'Effects of the Covid-19 Pandemic on the Performance of the Indian Banking Sector: A Comprehensive Analysis of Macroeconomic Context, Regulatory Interventions, and Bank Response during 2019-2020 Performance

'Effects of the Covid-19 Pandemic on the Performance of the Indian Banking Sector: A Comprehensive Analysis of Macroeconomic Context, Regulatory Interventions, and Bank Response during 2019-2020 Performance

Registration ID: IJNRD_203455

Published ID: IJNRD2308131

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Nargis Akhter Wani , Prof Dr Bhaskar H Jangale , Owais Ahmad Wani

Covid-19 pandemic, Indian banking sector, financial Performance, financial crisis, profitability

Against this background, this study discusses the balance sheet developments in respect of 97 scheduled commercial banks (SCBs) during 2019-20 and H1:2020-21, based on annual accounts of banks and off- site supervisory returns in Section 2. The Covid-19 pandemic had a profound impact on the performance of the Indian banking sector during the period of 2019-2020. This abstract provides a summary of the effects observed during this time and the strategies employed by banks to navigate the crisis. The pandemic-induced economic crisis resulted in disruptions in economic activities, loan defaults, and deteriorating asset quality for banks. Sectors such as hospitality, aviation, and retail faced significant challenges, leading to higher provisions for bad loans and an increase in non-performing assets (NPAs). Banks had to address these issues by implementing proactive measures, including loan restructuring and higher provisioning for potential credit losses. Liquidity management was crucial during this period, and banks benefited from the liquidity support measures introduced by the Reserve Bank of India (RBI). These measures aimed to ensure adequate liquidity for banks to meet their financial obligations and maintain stability. The profitability of banks was impacted due to higher provisioning requirements and reduced income generation from decreased economic activities. However, banks with diversified revenue streams and robust risk management practices were better positioned to navigate the challenges.

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"'Effects of the Covid-19 Pandemic on the Performance of the Indian Banking Sector: A Comprehensive Analysis of Macroeconomic Context, Regulatory Interventions, and Bank Response during 2019-2020 Performance", IJNRD - INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (www.IJNRD.org), ISSN:2456-4184, Vol.8, Issue 8, page no.b259-b267, August-2023, Available :https://ijnrd.org/papers/IJNRD2308131.pdf

Volume 8 Issue 8, August-2023

Pages : b259-b267

Paper Reg. ID: IJNRD_203455

Published Paper Id: IJNRD2308131

Downloads: 000121225

Research Area: Commerce

Country: pune , maharashtra , India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2308131.pdf

Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRD2308131

Journal Name: INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT(IJNRD)

ISSN: 2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar | ESTD YEAR: 2016

An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator

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This work is licensed under a Creative Commons Attribution 4.0 International License and The Open Definition

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