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One of the most important sectors for an economy’s overall development is said to be the banking industry. All the sectors depend only on the banking sector to perform their routine activities. Our Indian banking industry has emerged as one of the best banking industry in the world. It was able to withstand itself during the time of global crisis way back in 2007–2008. This was possible mainly because of the prudential norms, asset quality, growing attitude, profitability measures, etc. Indian banking industry consists of 2 major types namely Public undertaking Banks (PSBs) and the Private Banks (PRSBs).The Multiple Regression analysis revealed that the bank-specific factors such as Secured Advances to Total Advances (SATA), Return on Advances (RoAD) and Substandard Assets. Provision to Total Advances (NPATA) had positive relationship with the Gross Non-Performing Assets (GNPA) whereas the other factors like Priority Sector Advances to Total Advances (PSATA), Deposits to Total Liabilities (DTL), Log of Profit PerEmployee (LPPE), Log Total Assets (LGTA) and Loan to Total Assets (LNTA) had negative relationship with the GNPA. The variables such as LNTA, RoAD, and LPPE had significant relationship with the GNPA and the variables like SATA, NPAPTA, PSATA, DTL, LGTA had no significant relationship with the GNPA.

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Impact of Bank-Determinant Variables on Gross Non-Performing Assets: Empirical Evidence from Indian Banks Associated with SBI

  • 章节

  • 发表日期：

    2026年

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  • S. Srividhya,
  • K. Srinivasan,
  • Debjani Guha,
  • Nidhi Sah,
  • P. K. Swathi,
  • M. Krishnamoorthi

摘要

One of the most important sectors for an economy’s overall development is said to be the banking industry. All the sectors depend only on the banking sector to perform their routine activities. Our Indian banking industry has emerged as one of the best banking industry in the world. It was able to withstand itself during the time of global crisis way back in 2007–2008. This was possible mainly because of the prudential norms, asset quality, growing attitude, profitability measures, etc. Indian banking industry consists of 2 major types namely Public undertaking Banks (PSBs) and the Private Banks (PRSBs).The Multiple Regression analysis revealed that the bank-specific factors such as Secured Advances to Total Advances (SATA), Return on Advances (RoAD) and Substandard Assets. Provision to Total Advances (NPATA) had positive relationship with the Gross Non-Performing Assets (GNPA) whereas the other factors like Priority Sector Advances to Total Advances (PSATA), Deposits to Total Liabilities (DTL), Log of Profit PerEmployee (LPPE), Log Total Assets (LGTA) and Loan to Total Assets (LNTA) had negative relationship with the GNPA. The variables such as LNTA, RoAD, and LPPE had significant relationship with the GNPA and the variables like SATA, NPAPTA, PSATA, DTL, LGTA had no significant relationship with the GNPA.