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The study examines the impact of the COVID-19 pandemic on Punjab National Bank's (PNB) non-performing assets (NPAs). The study objectives include assessing stakeholder perceptions, determining NPA escalation, and offering actionable insights. Primary data has been collected via structured questionnaires from 140 key stakeholders, selected through purposive sampling, while secondary data was sourced from PNB's annual reports and financial records. Data analysis has been conducted using SPSS 26. Findings reveal a significant relationship between stakeholder opinions and the pandemic's effect on NPA management. PNB's gross and net NPA trends showed variations influenced by COVID-19. The study identifies a knowledge gap in the effect and offers useful suggestions for regulators and policymakers. The findings of the study help PNB and other stakeholders develop strategies to effectively address post-pandemic non-performing asset (NPA) issues. The study offers valuable contributions to addressing NPA issues in the banking sector during and after the pandemic.
Keywords:
Asset Ratio; Bank efficiency; COVID-19; Gross NPA; Net NPA; Banking; Non-Performing Assets (NPAs); PNB (Punjab National Bank); Public Sector Banks (PSB’s); Reserve Bank of India (RBI); Stakeholders.
Cite Article:
"Unveiling the Impact of COVID-19 on NPAs: A Stakeholder Assessment of Punjab National Bank", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 4, page no.b350-b358, April-2025, Available :http://www.ijrti.org/papers/IJRTI2504142.pdf
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ISSN:
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016
An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator