Impact of Covid-19 On Deposit Pattern, Lending Pattern and NPA of Bank of India and HDFC Bank in Madhya Pradesh, India
Keywords:
Covid-19, BOI, HDFC, NPA, Deposits, Lendings, Madhya PradeshAbstract
Purpose: COVID-19 has wreaked havoc in banking system. Thus, the present research was conducted to study impact of Covid-19 on deposit pattern, Lending Pattern and NPA of Bank of India and HDFC in Madhya Pradesh during Covid-19. Design / Methodology / Approach: The study is based on secondary data, which is collected from State Level Bankers Committee, Madhya Pradesh (SLBC-MP). For testing hypotheses, regression equation was used, and result were analysed using pooled ordinary least square. Findings: Advances have significant impact on NPAs of the Bank. It can also be concluded that if deposits are increase by INR 1, then NPA will decrease by INR 6.63 and when advances are increased by INR 1, the NPA is also increased by INR 1. Originality value: Although there has been a lot of research done relating to deposits, advances and NPA of the banks selected under study but there is no literature available which is evaluating the effect of Covid-19 on Bank deposit, bank lending and Bank Growth in Madhya Pradesh.
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