Effect of Non-Performing Assets on Banking Sector: A Study on State Bank of India
Bibliographic record
Abstract
Non-performing asset (NPA) is a critical challenge for the banking sector in India and the world as a whole now-a-days. It is negatively affecting the profitability of the banking industry over the period. The NPA is a drag on the banking sector. Various related studies, researches and banking statistics evidently show that the NPA is increasing more rapidly in the public sector banks than private sector banks in India scenario. It could only meet up by the vital and efficient asset management wings on the banks. Indian is holding 33rds position in respect of the world’s gross NPA ratio (10.3%). This paper has attempted to analyze the effect of NPA on the profitability and the trend of NPA of the State Bank of India over last ten years from 2009-10 to 2018-19. The study reveals that the NPA has a gradual increasing trend, but a sharp decline in year 2018-19. The paper also shows that the NPA has an inverse effect on the profitability of the State bank of India
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.000 | 0.002 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.002 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.002 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".