JJEM: Special Edition 4 (May 2025)
JJEM: Special Edition 4 (May 2025)
2025-05-31
Analysing the Divergent Trends of NPAs and Recovery Ratios in Indian Regional Cooperative Banks (2016-2023): A Case Study Approach
Dr. Nitin S N
This study examines the divergent trends in Non-Performing Assets (NPAs) and recovery ratios within Indian Regional Cooperative Banks from 2016 to 2023. Employing a case study approach, the research investigates the factors contributing to the observed disparities in NPA levels and recovery performance across different regions. The analysis utilizes data from multiple cooperative banks, considering variables such as economic conditions, regulatory frameworks, and management practices. Findings reveal significant regional variations in NPA trajectories and recovery efficiencies, highlighting the need for tailored strategies to address these challenges. The study identifies key determinants influencing NPA accumulation and recovery success, providing valuable insights for policymakers and bank administrators. Recommendations are proposed to enhance the financial health and operational effectiveness of regional cooperative banks in India.
Non-Performing Assets (NPAs), Recovery Ratios, Indian Regional Cooperative Banks, Case Study, Financial Performance, Banking Sector, Risk Management, Regional Disparitie