{"product_id":"analysis-on-credit-concentration-risk-and-npa-in-banks-portfolio-von-theerthaana-p","title":"Analysis on Credit Concentration Risk and NPA in Banks' Portfolio","description":"\u003cp\u003e'Analysis on credit concentration risk and NPA in Bank's Portfolio' analyzes the credit portfolio composition of a large and medium sized commercial bank in India to understand the nature and dimensions of industry ¿wise credit concentration risk and also evaluates its influence on Non-Performing Assets of the banks. The required data for this study was collected from industry-wise loan exposures of Indian Overseas Bank and yearly NPAs of the bank. The industry-wise credit concentration risk for each year is calculated by using Herfindahl-Hirschman Index (HHI index). Multiple Linear Regression Analysis was run on SPSS 19.0 to quantify the relationship between the credit concentration risk and Non-Performing Assets of the commercial bank. The results indicate that there exists a strong positive relationship between the industry-wise concentration risk and NPA of the commercial bank. Hence it is highly desirable for the commercial banks to have a diversified portfolio in order to reduce their Non ¿Performing Assets.\u003c\/p\u003e\u003cdiv class=\"aw-variant-hidden-subtitle-div\" id=\"aw-variant-subtitle-9783659506673\"\u003e\u003ch3\u003e\u003c\/h3\u003e\u003c\/div\u003e","brand":"Autorenwelt Shop","offers":[{"title":"Softcover - 9783659506673","offer_id":39482510475357,"sku":"9783659506673","price":35.9,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0940\/0622\/files\/6c46016f-4dfa-4a40-a15b-005edb1cd394.jpg?v=1774935038","url":"https:\/\/shop.autorenwelt.de\/products\/analysis-on-credit-concentration-risk-and-npa-in-banks-portfolio-von-theerthaana-p","provider":"Autorenwelt Shop","version":"1.0","type":"link"}