1PhD Research Scholar, P.G. Department of Commerce, Fakir Mohan University, Balasore, Odisha
2Ex-Associate Professor of Commerce, P.G. Department of Commerce, Fakir Mohan Autonomous College, Balasore, Odisha, India
*Corresponding author email id: sunitaattop@gmail.com
Online published on 18 December, 2023.
It is commonly stated that poor loans are the main cause of banks’ troubles. Our banking sector is in a terrible situation and is looking for every option to lower the obstacles—that is, non-performing loans—that are impeding the expansion of our economy. The current study examined public sector banks’ performance from 2014–15 to 2018–19 using the following metrics: loan maturity, return on assets, credit–deposit ratio, and priority sector advances. The Net Non-Performing Assets ratio is the response variable, and the statistical impact of the predictor factors on it has been examined using a basic linear regression analysis. The goal of the study is to comprehend the relationship between the dependent and independent variables that have been chosen, as well as to offer solutions to stop the growth of bad loans that are sabotaging the development of our banking system.
Return on assets, Credit-deposit ratio, Loan maturity, Net non-performing assets ratio
