What is it about?

The papers explores two relationship: 1. Impact of credit risk components on credit risk management 2. Impact of credit risk components on NPA of Banks

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Why is it important?

There is little evidence on credit risk management practices of Indian banks, and its relationship with credit risk performance and NPA growth. The need for an effective risk management system to manage credit risk assumes importance and urgency in the context of high and rising NPAs of Indian banks, and the consequences for the Indian economy.


The high and rising level of NPAs will have adverse consequences for credit flow in the economy in the absence of appropriate intervention by government and central bank in the form of changes in institutional and regulatory infrastructure. The problems in banking and financial services sector will lead to lower industrial and aggregate economic growth, and lower (or negative) growth in employment.

Dr Arunima Haldar
S.P. Jain Institute of Management and Research

Read the Original

This page is a summary of: The relationship between credit risk management and non-performing assets of commercial banks in India, Managerial Finance, March 2019, Emerald, DOI: 10.1108/mf-06-2018-0259.
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