An Analytical Study of the Non-performing Asset (NPA) Issue in Punjab National Bank: A Pre-pandemic Study
Ruby Kazmi
Department of Economics, Shia P.G College, University of Lucknow Lucknow, Uttar Pradesh, India.
Syed Kumail Sajjad
*
School of Humanities and Social Sciences, IILM University, Greater Noida, Uttar Pradesh, India.
S. Faizan Askari Afser Rizvi
Faculty of Theology, Aligarh Muslim University, Aligarh Uttar Pradesh, India.
*Author to whom correspondence should be addressed.
Abstract
NPAs are seen as a crucial factor in evaluating banks' implementation and financial stability. One of the factors influencing financial safety and the growth of the banking sector is the amount of non-performing assets (NPAs). These days, financial institutions and organisations face a significant problem in managing non-performing assets (NPAs), as these assets are indicative of a significant setback for the economy's growth. Since 2010, the study discovered a substantial correlation between Punjab National Bank's share capital and advances and its gross and net non-performing assets. Figures support the conclusion that, since 2010, the Bank has been steadily increasing the amount of advances it provides at a steady rate.
Keywords: Non-performing assets, public sector banks, Punjab National Bank, asset quality review