2026· Asian Journal of Multidimensional Research (AJMR)· Vol 15, pp. 1-9· 0 citations
Abstract
Scheduled Commercial Banks (SCBs) are banks listed in the Second Schedule of the Reserve Bank of India Act, 1934. These banks are authorized to carry out commercial banking activities and are eligible to avail facilities from the central bank, including refinancing and liquidity support. NPA is defined as a credit facility in respect of which the interest and/or installment of principal has remained ‘past due’ for a specified period of time. In simple terms, an asset is tagged as non- performing when it ceases to generate income for the lender. NPA is used by financial institutions that refer to loans that are in jeopardy of default. Once the borrower has failed to make interest or principle payments for 90 days the loan is considered to be a non-performing asset.
This research is motivated by the profitability fluctuations of state-owned banks during the economic recovery period, which are highly susceptible to non-performing credit risks and liquidity management. This research aims to analyze the partial and simultaneous effects of the Non-Performing Loan (NPL) and Loan to Dep...
Rizal Indra Tjahya, Siti Nur Hestyaningsih· Jurnal Indonesia Sosial Sain...· 0 citations
Non-Performing Assets (NPAs) remain one of the most persistent threats to the stability and profitability of the Indian banking system, and their sectoral distribution offers valuable insight into the nature of credit risk confronting banks operating in smaller, less industrialised states such as Nagaland. This study u...
Chuthuni Chuphokhomai, P. Deka· International Journal For Mu...· 0 citations
This study investigated the impact of banks’ liquidity on banks’ stability in Nigeria for the period
2004–2023. The ex-post facto research design was adopted, utilizing secondary data sourced from
the annual financial reports of selected banks, the Nigeria Deposit Insurance Corporation (NDIC),
and the Central Bank of N...
Osaruyi Jeffrey Erhabor· World Journal of Finance and...· 1 citation
Non-Performing Assets (NPAs) are one of the major factors which ascertain the financial health and asset quality of banks. A high level of NPAs has a negative impact on profitability, liquidity, lending capability and financial stability. Over the past decade, significant reforms have taken place in the Indian banking...
Megha G, B. V· Advanced International Journ...· 0 citations
According to the financial sector, the average delinquency rate for won-denominated loans at the five major banks stands at 0.46%, and indicators related to non-performing loans (NPLs) have also shown a worsening trend. While real estate transactions have contracted due to a tightening of liquidity caused by a prolonge...
Do Hyun Kim, Jin Hyeong Seo· Korea Real Estate Society· 0 citations
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