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Q.1. According to you what is NPA?

Option No. of
Respondents
when an asset ceases to generate income for the bank (A) 15
if the customer do not pay principal & interest for a certain 85
period of time (90 days), it can be called as NPA (B)

Total 100

15

Option
A
B

85

Interpretation:

According to the above analysis 15% respondents know NPA as option A and 85% respondents
as option B. We can interpret that a larger sample of respondents were awrae of exact definition
of NPA.
Q.2. what is the % of NPA in your particular branch?

Option No. of Respondents

1-4% 60

4-7% 40

Total 100

40 Options
1-4%

60 4-7%

Interpretation:

As per the respondents view, NPAs are more on a lower side ranging between 1-4%. But, still
40 % of respondents think it can go up to 4-7% as well.
Q.3. what is trend of NPA in your bank?

Options No. of Respondents

Highly decreasing 35

Highly increasing 65

Total 100

35 Options
Highly decreasing
Highly increasing
65

Interpretation:

As per the respondentsview 65% people are of the view that gthe NPAs are increasing highly
which should be a concern for any bank.
Q.4. Give a list of methods chosen one that you would prefer the bank doing with
you:

Options No. of Respondents

Restructuring your loan 70

Debt recovery tribunal 30

Total 100

30 Options
Restructing your loan
Debt recovery tridunal
70

Interpretation:

Mostly people have the view that banks should try to restructure the loan to avoid them
becoming NPAs for the bank.
Q.5. What are the reasons for assets becoming NPA?

Option No. of
Respondents
Managerial deficiencies during work (A) 35
lack of timely actions (B) 23
lack of adequate efforts for recovery(C) 17
lack of proper verification of the genuine purpose of loans & 25
advances (D)

Total 100

25 Options
35 A
B
C
17 D

23

Interpretation:
As per the above graph, respondents have a mixed view for the reasons responsible in making an
asset a NPA. But still more than half of the respondents have the view that managerial deficiency
and the lack of due process of verification are the main culprits for NPAs.
Q.6. Do you have similar recovery strategy in all sectors & in all geographical
regions?

Option No. of Respondents

Yes 0

No 100

Total 100

Option
Yes
100 No

Interpretation:

Here the analysis proves the fact that there cannot be a uniform way to recover bad loans.
Therefore, banks must use different strategies to recover their dues from different asset classes.
Q.7. Do you think operating staff should scrutinize the level of inventories/
receivables regularly?

Option No. of Respondents

Yes 78

No 22

Total 100

22

Option
Yes
No

78

Interpretation:

As per the analysis we can interpret and give a greater percentage to the fact that banks should
monitor their asset book more periodically to identify any gaps if any and to take timely and
preventive actions.
Q.8. Do you think there is significant relationship between Gross NPA of a bank to
its Operating profit?

Options No. of Respondents


Yes 87
No 13
Total 100

13
Option
Yes
No
87

Interpretation:

As per the above graph, yes there is a very strong co-relation between the banks profitability
and its NPA levels.
Q.9. Do you think that necessary precaution should also be taken to avoid future
NPAs?

Options No. of Respondents

Yes 70

No 30

Total 100

30
Option
Yes
No
70

Interpretation:

As per the above graph, yes banks must take all the precautionary measures to avoid assets
becoming NPA. It can very well be controlled at the initial stage itself.
Q.10. Do you think the bank will always face the problem of NPA because of poor
recovery of advances granted by the bank?

Option No. of Respondents


Yes 45

No 55

Total 100

Option
45
Yes
55
No

Interpretation:
As per the above graph, yes till the time banks will not follow a fullproof mechanism to grant
advances in various asset classes, they will not be able to get rid themselves by the problem of
assets becoming bad.

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