COVID-19: boon/disguise for Indian banks?

Non-performing assets (NPAs) have long been one of the most visible and frightening issues that shaken whole banking industry around world. As a result, study's primary goal is to elucidate facts surrounding NPAs, which harmed Indian industry's soundness, profitability, performance between 1998–1999 2019–2020. The future trends NPAs across ownership types sectoral groups were also explored. estimations drivers are examined in second stage regression analysis, takes into account factors such as innovative COVID-19 policy initiatives. Later, clear ranking for 52 samples banks was utilised verify stability using ratio net advances. During pre-crisis crisis periods, gross percentage advances both fell dramatically, according trend analysis. turbulent years, however, they significantly rose. Finally, we noticed asset quality scheduled commercial public sector improving following seven-year gap during years. In Phase II this scenario thoroughly explored statistically proved severe actions negligible influence unique contributed decrease their 1999–2020. Credit expansion, recognition resolution non-performing via Insolvency Bankruptcy Code Act, recapitalization PSBs, ongoing reforms period all major contributors sporadic credit default SCBs PSBs' balance sheets—which began 2017–2018 continued