Managing NPAs: Exploring factors from the lens of Banks’ Employees

Abstract

This study takes bankers’ perceptions and pulls information on the variables influencing particular NPA resolution tactics. Data was gathered from managers in several Indian banks, particularly those in the credit department, using a self-structured questionnaire. The validity and reliability of the questionnaire have been empirically validated. By employing EFA (exploratory factor analysis), Seven aspects of "management of NPAs" have been found and a comprehensive assessment of the viewpoint, conceptual, and empirical literature. Four criteria have been identified by the empirical research of these dimensions as being important for management. The current study provides useful recommendations for banking authorities on enhancing the asset quality of Indian banks and provides fresh perspectives on efficient credit management in banks.