Impact of Covid-19 On Banking in India: An Empirical Analysis

IMPACT OF COVID-19 ON BANKING IN INDIA : AN EMPIRICAL
ANALYSIS
Dr. Nilam Panchal
Abstract
The COVID-19 outbreak has challenged Indian Banking sector adversely. The pandemic is
impacting the Banking sector in multiple ways — from business continuity issues and operational
considerations to the overall financial outlook.Indian Banks reported Increase in NPAs, demand of
credit and in turn impacted profitability. Because of the shutdown, there were no source of
Revenue and expenses were increasing. So, People were demanding advances and on the other
hand they were not able to repay the loan. So, liquidity crisis arose. To overcome this situation,
Reserve bank of India and central Government has taken many measures to provide relief. This
Research Paper is an attempt to analyse the relationship between NPAs, Advances and
Profitability due to COVID-19 and also impact of measures taken by RBI and government in
Indian Banking sector. For the purpose, we have analysed four Indian Banks i.e. SBI, Bank of
Baroda, HDFC Bank, Axis Bank for a period of 5 years from 2014-15 to 2019-20. The data was
analysed using statistical tools like correlation coefficient to examine the impact of NPAs and
Advances on profitability. some experts believe that Banking sector mainly in India may take long
time to recover from the impact of this pandemic.
Key Words : Banking, NPA, Covid-19, Net Profit, Economy
Introduction
In January 2020, coronavirus emerged in India and hit millions of lives with thousands of deaths
across the world. To combat with COVID-19, Indian Government announced complete lockdown
in the country starting on March 24, 2020 and the same was extended to 3rd May, 2020. A similar
action has been taken by many governments around the world. However, this kind of measures
taken by Indian Government to control the spread of covid-19 pandemic impacted the GDP of the
country in disruptive way. One of the most important sectors of Indian economy is banking sector
which is responsible for all the financial activities going on in the country and working as a
supporting hand to all of the industries in term of financing, credit, transactions, collection and
payment and so on. Covid-19 has caused so much repercussions in the performance of the Indian
banking sector in terms of NPAs, Profitability, advances etc.
Indian banks have faced a difficulty during the pandemic period and it has changed the
profitability of the Indian banks. They have faced many challenges and the changes they made,
have impacted on their financial statements. One of the core impacts was because of the increase
June, 2021. VOL.13. ISSUE NO. 2 https://hrdc.gujaratuniversity.ac.in/Publication Page | 446

Towards Excellence: An Indexed, Refereed & Peer Reviewed Journal of Higher Education / Dr. Nilam
Panchal/ Page 446-459
in NPAs, non-repayment of loans and demand of credit. And these have caused the banks to
reduce their profitability from the year 2019 onwards.
To Lessen the impact of COVID-19 on Indian Banks,various policy measures were taken by
Reserve Bank of India and Indian Government at centre level and state level. some experts believe
that Banking sector mainly in India may take long time to recover from the impact of this
pandemic.
Introduction of Indian Banking sector

Before touching the real issue, let us first give a background of the Indian Banking sector. A bank
is an institution which has a primary function to accept deposits and lend money to needful
individuals, businesses, and governments. Banks are considered to be trustworthy around the
world. When any individual deposits money in the bank, doesn’t matter what is the amount, the
individual knows that the money will be safe in the bank as compared to anywhere else. Besides
this, banks provide numerous services such as loan facilities, fixed deposit schemes, debit & credit
card facilities, etc.In India, currently there are a total of 33 banks, of which 12 are public sector
banks and rest 21 are private sector banks.
The banks have dominant position in India's economy and it is major contributor towards
employment in India. Unfortunately, many of the performance indicators of India's banks have
faced negative situation since last five years. This situation holds accurate in case of PSBs as they
seem more inefficient compared to their peer groups.
To get the better picture of impact of covid-19 on Indian banks, one must be aware of the factors
that affect the profitability of bank.
LITERATURE REVIEW
Ambrish Kumar Mishra, Archana Patel and Sarika Jain (Feb, 2021) carried out a research study
titled“Impact of Covid-19 Outbreak on Performance of Indian Banking Sector” demonstrates
repercussions of the Covid-19 in the performance of the Indian banking sector by creating and
evaluating the largest comprehensive knowledge base called ontology (Covid19-IBO) in order to
get semantic information, in continuation of the same they address few important research
questions with respect to Indian economy.
Vikas Kumar and Sanjeev Kumar (Jan, 2021) carried out a research study titled “Impact of Covid-
19 on Indian Economy with Special Reference to Banking Sector: An Indian Perspective”
demonstratesoverview of the impact of COVID-19 situation on Indian economy and its banking
sector and also analyses the various policy measures taken by Reserve Bank of India and Indian
Government at centre level and state level to improve the current economic situation of the
country.
Dr. Jitender Singh and Dr. B. S. Bodla (2020) carried out a research study titled “Covid-19
Pandemic and Lockdown Impact on India's Banking Sector: A Systemic Literature Review”
demonstrates the impact of this pandemic on Banks and NBFCs due to lockdown which has
resulted into closure of all commercial organisations, educational institutions, public and private

offices, suspension of means of transportation, etc. by considering views expressed by several
groups including economists, financial institutions like IMF, World Bank and consulting firms.
Ashly Lynn Joseph and Dr. M. Prakash (Jul, 2014) carried out a research study titled “A Study on
Analyzing the Trend of NPA Level in Private Sector Banks and Public Sector Banks”
demonstratestrends of NPA in banking industry, the factors that mainly contribute to NPA raising
in the banking industry and also provides some suggestions how to overcome this burden of NPA
on banking industry.
RESEARCH METHDOLOGY
I. Problem Statement:
 How Covid-19 will impact Banking sector of India.
II. Objectives of the study:

 To find the impact of the covid-19 pandemic on the profitability of the bank.
 To establish the relationship among the NPAs, advances and Net profit.
 To study how the steps taken by RBI have overcome the NPAs in Indian banks and what will
be the future effects of the same.
III. Sampling Frame:

 Sample Size: The Sample population for the study is All the Public & Private banks of India
 Sampling Unit: The sampling units consist of four banks (2 public banks and 2 private banks)
IV. Research Design:

 The present study is a descriptive study which tries to establish the relationship among the
NPAs, advances and Net profit.The research undertaken was a quantitative research as it was
concerned with numerical, applied statistics, and use of graphs and tables.
V. Data collection:
 The study is planned to be carried out with the help of secondary data.
VI. Sources of Data:

 Bank’s annual reports
 Magazines, newspaper, articles, and journals
 Literature review
VII. Scope of future research:

 The research can be further done on various banks including public as well as private banks.
 Our research can be used to predict the future impact of the NPAs and moratorium given.

VIII. Limitations of the study:

 To do the research, we have taken only four banks (2 public banks and 2 private banks).
 We have taken only five years’ period for the research including 2019-20.
DATA INTERPRETATION & ANALYSIS
I. Axis Bank
Year NPAs (CR) Net Profit (CR) Total Advances (CR)
2014-15 1316.71 7357.82 281083.03
2015-16 2522.14 8223.66 338774.00
2016-17 8626.55 3679.28 373069.00
2017-18 16591.71 275.68 439650.00
2018-19 11275.60 4676.61 494798.00
2019-20 9360.41 1627.22 571424.00
A XI S B a n k N PA s a n d Ne t P ro f i t
NPAs (CR) NET PROFIT(CR)
18000.00
16000.00 16591.71
14000.00
12000.00
RS IN CR
11275.60
10000.00 9360.41
8000.00 8223.66 8626.55
7357.82
6000.00
4000.00 4676.61
3679.28
2000.00 2522.14
1316.71 1627.22
0.00 275.68
2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
YEAR

TOTAL ADVANCES IN CR
600000.00 571424.00
494798.00
500000.00 439650.00
400000.00 373069.00
338774.00
RS IN CR
281083.03
300000.00
200000.00
100000.00
0.00
2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
Year
Interpretation:
In the above chart, NPAs for the year 2014-15 is Rs. 1316.71 CR and Net Profit for the year is Rs
7357.82 CR. In the subsequent year, the net profit and NPAs of the bank, both rises i.e., Rs
7357.82 CR and Rs 1316.71 CR respectively. The reason behind the same is the net profit of the
bank is much higher than the NPAs of the bank. Thus, there is nominal or no effect of NPAs is
seen on the bank profit in the year 2014-15 and 2015-16.
In the year 2016-17, the net profit of the bank has decreased to Rs 3679.28 CR and NPAs of the
bank has surpassed the net profit of the bank. The NPAs has increased to Rs 8626.55 CR. Thus, it
is clearly seen that the sudden increase of the NPAs of the bank has majorly impacted the
profitability of the bank in the year 2016-17. The reason of sudden increase in the NPAs in the
year 2016-17 is that there was higher liquidity and very less corporate credit demand. Still the
company managed to increase the loan advances in the year 2016-17 but all the benefits were
eaten up by the increase in the NPAs.
In the year 2017-18, the NPAs of the bank doubled compared to 2016-17. This again majorly
impacted the profitability of the bank for the year. The profit of the bank reduced to Rs 275.68
CR. In the year 2018-19, the NPAs got reduced and net profit increased. Thus, it is clearly seen
that there is an inversely proportional relationship between NPAs and net profit of the bank.
 Pandemic effect:
In the year 2019-20, Net profit and NPAs, both are decreasing.
1. NPAs are decreasing
2. Loan disbursement is also increasing
Above both the parameters show that the net profit should increase. But actually, it is not. The
reason behind the same are:
1. NPAs are higher than the Net profit
2. There is a huge impact on the Indian economy.

3. The bank increased the provisions for the NPAs for the year on account of pandemic.
The above three reasons led to reduce the profitability of the bank for the year 2019-20.
II. State Bank of India

Year NPAs (CR) Net Profit(CR) Total Advances (CR)
2014-15 27590.58 13101.90 1300026.39
2015-16 42365.78 9950.65 1463700.42
2016-17 54065.61 10484.10 1571078.38
2017-18 110854.70 -6547.45 1934880.19
2018-19 65894.74 862.23 2185876.92
2019-20 51871.30 14488.11 2325289.56
SBI BANK NPAS AND NET PROF IT

120000.00 110854.70
100000.00
80000.00 65894.74
54065.61 51871.30
RS IN CR
60000.00 42365.78
40000.00 27590.58
13101.90 9950.65 10484.10 14488.11
20000.00
862.23
-6547.45
0.00
2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
-20000.00
YEARS
2500000.00 2325289.56
2185876.92
1934880.19
2000000.00
1571078.38
1463700.42
1500000.00 1300026.39
RS IN CR
1000000.00
500000.00
0.00
2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
YEAR

Interpretation:
From the above charts, it is clearly seen that from the year 2014-15 to 2019-20 NPAs are higher
than the Profit in state bank of India. Reason behind this can be the sharp rise in total advances
every year.
In the year 2018-19, NPAs of the bank are decreasing compared to the previous year and also
Profitability is increased to 862.23 crores from -6547.45 crores. Reason behind such a growth was:
1. Government Investments
2. Demand from Personal loan segment
3. Better Risk management
From the above data of NPAs and Advances it is clearly seen that in year 2017-18, NPA ratio was
5.72% on the other hand in the year 2018-19, it decreased to 3.01% which led to greater
Profitability.
After 2018-19, similar position was found out in the year 2019-20 in spite of facing Covid-19
Pandemic. Reasons are:
1. Digital Payments
2. Increased Interest Income due to rise in Advances
3. Corporate credit demand
4. MSME lending
So we can say that, demand of the advances was high in the year 2019-20 due to financial crisis in
covid-19 pandemic which led to source of income for SBI in terms of Interest on loans and also
because of decrease in NPAs, profitability was increased.
III. Bank of Baroda

Year NPAs (CR) Net Profit (CR) Total Advances (CR)
2014-15 8069.49 3398.44 428065.14
2015-16 19406.46 -5395.54 383770.18
2016-17 18080.18 1383.14 383259.22
2017-18 23482.65 -2431.81 427431.83
2018-19 48232.76 433.52 468818.74
2019-20 69381.43 546.19 690120.73

BOB NPAS AND NET PROFIT

80000.00
69381.43
60000.00
48232.76
RS IN CR
40000.00
19406.46 23482.65
20000.00 8069.49
18080.18
3398.44 -5395.54
0.00 1383.14 -2431.81 433.52 546.19
2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
-20000.00
AXIS TITLE
800000.00
690120.73
700000.00
600000.00
468818.74
RS IN CR
500000.00 428065.14 427431.83

383770.18 383259.22
400000.00
300000.00
200000.00
100000.00
0.00
2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
YEAR
Interpretation:
In the above chart, NPAs for the year 2014-15 is Rs. 8069.49CR and Net Profit for the year is Rs.
3398.44 CR. In the subsequent year, NPAs has increased drastically with Rs. 19406.46 and on the
other hand because of the rise in NPAs, Net Profit has decreased and made loss of Rs. 5395.54
CR.
In the year 2016-17, BOB revived its profit of Rs. 1383.14 CR by succeed in decreasing its NPAs
which was 18080.18 CR. Though there is not much difference in NPAs and advances compared to
previous year, then also they made Profit. Sources of the Profit can be corporate financial services,
international operations, retail financial services, business financial services, global treasury and
rural financial services.
Again, in the year 2017-18, BOB failed to achieve profitability and made loss of Rs. 2431.81 CR
because of the drastic increase in NPAs of 23482.65 CR. So inverse relationship between NPAs
and Profitability can be seen in the year 2017-18.

In the year 2018-19, NPAs of the bank almost doubled but then also Profit was increased
compared to previous year. Reason behind profitability can be the income from other sources
increased and it covered the loss of NPAs.
In the next year 2019-20, NPAs and Profit both increased to 69381.43 CR and 546.19 CR
respectively. Reason can be the rise in Advances i.e., 690120.73 CR which led to increase in
interest income and in turn increase in Profitability. Reason behind sudden increase in Advances
can be the Covid-19 pandemic as people were in need of credit.
IV. HDFC Bank

Year NPAs (CR) Net Profit(CR) Total Advances (CR)
2014-15 896.28 10215.92 365495.03
2015-16 1320.37 12296.21 464593.96
2016-17 1843.99 14549.64 554568.20
2017-18 2601.02 17486.73 658333.09
2018-19 3214.52 21078.17 819401.22
2019-20 3542.36 26257.32 993702.88
HDFC BANK NPAS AND NET PROFIT

30000.00 26257.32
25000.00 21078.17
17486.73
RS IN CR
20000.00 14549.64
12296.21
15000.00 10215.92
10000.00 3542.36
1843.99 2601.02 3214.52
5000.00 896.28 1320.37
0.00
2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
YEAR

1200000.00
993702.88
1000000.00
819401.22
800000.00
658333.09
RS IN CR
554568.20
600000.00 464593.96
365495.03
400000.00
200000.00
0.00
2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
YEAR
Interpretation:
HDFC Bank’s NPAs, Net profit as well as loan advances are increasing from 2014-15 to 2019-20.
It is clearly seen that there is no any effect of increased NPAs on net profit. The reason behind the
same is the loan advances and net profit. Net profit is much higher than the NPAs of the
companies. Thus, NPAs have not affected the profitability of the business. Their loan advances
have risen from Rs 265495.03 CR to Rs 993702.88 CR in five years, which is approximately triple
of the loan advances in 2014-15. The more the loan advances, the more the net profit will be.
Thus, NPAs is not becoming a barrier to reduce the profitability of the bank.
Total advances in the year 2019-20 has increased to Rs 993702.88 CR, which is because of the
moratorium given by the banks to the defaulters. Thus, their advances have increased and NPAs
have not increased more than it would have been, due to the moratorium given. Also, their NPAs
are very nominal compared to the net profits over 5 periods of time. Thus, there was a negligible
impact on the net profit of the bank, though the whole Indian economy was down.
CorrelationAnalysis:
Correlation of Axis Bank SBI BOB HDFC Bank
Net profit & NPAs -0.90 -0.90 0.04 0.97
Net profit&Total advances -0.70 -0.30 0.23 1.00
Note:
 If the correlation is less than 1 then there is reciprocal relation between the two variables.
 If the correlation is near 0, then there is no relation between the two variables.
 If the correlation lies between 0.1 to 0.5, then there is moderate impact of one variable on the
other.
 If the correlation is more than 0.5, then there is high impact of one variable on the other.

Axis Bank:
The correlation between Net profit and NPAs comes to -0.90.
The correlation between the total advances and the Net profit comes to -0.7.
This shows that both the variables have reciprocal relation. The reciprocal relation is justified
because the profit is very less compared to the NPAs of the bank. Thus, NPAs have greater and
negative impact on profitability of the business. Though the advances are increasing, the
profitability is hampered because of NPAs.
SBI:
The correlation between Net profit and NPAs comes to -0.90.
The correlation between the total advances and the Net profit comes to -0.3.
The reason is justifiable for the above correlations. There is reciprocal relationship between NPAs
and Net profit. The reason is that SBI have higher NPAs than their Net profit. Their loan advances
have increased in 2019-20. During the pandemic period, people were in need of credit demand.
Also the moratorium given to the customers have led to decrease in NPAs. Thus, their profitability
for the year 2019-20 has increased. But the profitability will hamper in the coming years as they
will need to make higher provisions for the NPAs and this will reduce the profitability of the bank.
BOB:
The correlation between Net profit and NPAs comes to 0.04.
The correlation between the total advances and the Net profit comes to 0.23.
The correlation 0.04 shows that there is no relation between net profit and NPAs of the bank. The
reason behind the same can be the high fluctuation in the Net profits. Net profits for the five years
are fluctuating because there is unevenness in the loan advance. The loan advances have increased
in the year 2019-20. For liquidity purpose, BOB has invoked the Covid-19 restructuring schemes
of the RBI for loans worth Rs 7800 CR in the year 2020.
HDFC Bank:
The correlation between Net profit and NPAs comes to 0.97.
The correlation between the total advances and the Net profit comes to 1.
The correlation of Net profit and NPAs shows that there is positive relation between the two. This
is because HDFC bank has much higher profitability than its NPAs are. Thus, the increasing
NPAs does not have impact or negligible impact on the profitability of the bank. Their advances
have increased 3 times from 2015 to 2020, the same as the Net profit.
MEASURES & RELIEF BY RBI IN RESPONSE TO COVID-19:

The measures announced by the RBI were primarily aimed boosting liquidity, expanding credit
flow and easing the stress in the banking and financial services sector.

1. Repo Rate – RBI announced that it was cutting the repo rate by 75 bps, or 0.75% to 4.4. The
Repo Rate was earlier 5.15; last being cut in October 2019.
2. Reverse Repo – The regulator also announced that it would cut the Reverse Repo rate by 90 bps,
or 0.90%. On a daily average, banks had been parking Rs 3 lakh crore with the RBI. The current
reverse repo rate was 4%.
3. Loan Moratorium – In a massive relief for the middle class, the RBI Governor also announced
that lenders could give a moratorium of 3 months on term loans, outstanding as on 1 March, 2020.
This is applicable to All Commercial Banks including Regional, Rural, Small Finance, Co-Op
Bank, All India Financial Institutions and NBFCs including Housing Finance and Microfinance.
4. CRR – The RBI also announced that the Cash Reserve Ratio (CRR) would be reduced by 100
bps, or 1%, to 3%. This would be applicable from March 28, and would inject Rs. 1,37,000 crores.
5. LTRO – The RBI will also undertake Long Term Repo Operations (LTRO); allowing further
liquidity with the banks. The banks however are specified that this liquidity will be deployed in in
commercial papers, investment grade corporate bonds and non-convertible debentures.
6. Ease of Working Capital financing – Lenders were allowed lending to recalculate drawing
power by reducing margins and/or by reassessing the working capital cycle for the borrowers.The
RBI also specified that such a move would not result in asset classification downgrade.
7. Working Capital Interest – A Three-month interest moratorium shall also be permitted to all
lending institutions.
8. Deferment of NSFR - The Net Stable Funding Ratio (NSFR), which reduces funding risk by
requiring banks to fund their activities with sufficiently stable sources of funding was postponed
to October 1, 2020. The NSFR was earlier supposed to be implemented by April 1, 2020.
9. MSF – Marginal Standing Facility (MSF) has also been increased to 3% of SLR, available till
June 30, 2020. “This measure should provide comfort to the banking system by allowing it to avail
an additional ` 1,37,000 crore of liquidity under the LAF window in times of stress at the
reduced.” said the RBI.
10. Fresh Liquidity – The impact of all the announcements today shall inject almost 3.2% of GDP,
the Governor said in his brief today. The RBI also added that since February 2020 it had injected
Rs 2.8 lakh crore of liquidity, equivalent to 1.4 percent of GDP.
FINDINGS
 Axis Bank has exhibited increase in advances and decrease in Profitability in the year 2019-20
compared to previous years due to the COVID-19 Pandemic.
 On the other hand, SBI has reported sudden increase in Profit and decrease in NPAs in the year
2019-20. Reasons can be strong well established digital platform (SBI YONO) of SBI, Interest
income from increased advances, corporate credit demand and MSME lending.
 Bank of Baroda has reported increase in both NPAs and Profit in pandemic year. Reason behind
profitability can be the rise in revenue from interest income due to the increase in advances.
 HDFC Bank has reported increase in Advances in 2019-20 due to the moratorium given by the
banks to defaulters and NPAs and Profit have not been increased more than it would have been.
 Correlation between Net Profit and NPAs:

Axis Bank Reciprocal Relationship
State Bank of India Reciprocal Relationship
Bank of Baroda Indefinite Relationship
HDFC Bank Positive Relationship
 Correlation between Net Profit and Total Advances:
Axis Bank Reciprocal Relationship

State Bank of India Reciprocal Relationship
Bank of Baroda Positive Relationship (Moderate Impact)
HDFC Bank Positive Relationship (High Impact)
 Reforms and measures taken by RBI during pandemic has created enough liquidity in the
economy, availability of credit at lower rates, relief in Reporting requirements for banks due to
reduction in daily CRR maintenance requirements, encouraged surplus fund into productive
sectors of the economy in the form of investments and loans instead of RBI.
CONCLUSION
COVID-19 outbreak has hampered the Indian Banking operations and overall Banking sector. Not
only banking sector but it has severely affected every industry across the globe. As industries are
attempting to recover, there is need of some solid measures and strategic initiatives. RBI must take
all possible initiatives to maintain sufficient liquidity in the financial system and its constituents in
the face of COVID-19. Government is required to take decisions and actions to lessen uncertainty
andfinancial stress in the economy. Continuous measures should be taken to enable the smooth
functioning of both money and capital markets. COVID-19 breakdown has caused severe damage
in Banking sector. Actual NPAs will remain suppressed till the extended moratorium period gets
over. According to S&P Global rating, Indian Banking sector will be slower to recover and it will
happen only beyond 2023. The path to recovery will be more painful for emerging market such as
India. There is an expectation of an economic rebound in 2021 because of the release of vaccines.
After an economic rebound also, it may take a full 18 months or more to recover. There is much
uncertainty on the recovery path. For now, we can only focus on systematic measures to revive the
profitability and maintain liquidity in the market.

Bibliography
Mishra Ambrish Kumar, Archana Patel and Sarika Jain (Feb, 2021), “Impact of Covid-19
Outbreak on Performance of Indian Banking Sector by “Impact of Covid-19 on Indian Economy
with Special Reference to Banking Sector: An Indian Perspective”
Singh Jitender , Bodla B. S. (2020) “Covid-19 Pandemic and Lockdown Impact on India's
Banking Sector: A Systemic Literature Review”
Joseph Ashly Lynn Joseph and Dr. M. Prakash (Jul, 2014) “A Study on Analysing the Trend of
NPA Level in Private Sector Banks and Public Sector Banks”
https://www.axisbank.com/shareholders-corner/shareholders-information/annual-reports
https://sbi.co.in/web/corporate-governance/annual-report
https://www.hdfcbank.com/personal/about-us/investor-relations/annual-reports
https://www.bankofbaroda.in/annual-report.htm
https://timesofindia.indiatimes.com/blogs/economic-update/npas-and-its-effects-on-banks-
profitability/
https://www.business-standard.com/article/finance/covid-19-indian-banking-system-to-be-
amongst-the-last-to-recover-says-s-p-120092400319_1.html
https://www.moneycontrol.com/
Dr. Nilam Panchal

Head- Department of Public Policy and Governance (DPPG)
Associate Professor, B.K.School of Professional and Management Studies,
Gujarat University
E-Mail: nilamcpanchal@gmail.com

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IMPACT OF COVID-19 ON BANKING IN INDIA : AN EMPIRICAL

Dr. Nilam Panchal

Key Words : Banking, NPA, Covid-19, Net Profit, Economy

June, 2021. VOL.13. ISSUE NO. 2 https://hrdc.gujaratuniversity.ac.in/Publication Page | 446

Introduction of Indian Banking sector

June, 2021. VOL.13. ISSUE NO. 2 https://hrdc.gujaratuniversity.ac.in/Publication Page | 447

II. Objectives of the study:

III. Sampling Frame:

IV. Research Design:

VI. Sources of Data:

VII. Scope of future research:

June, 2021. VOL.13. ISSUE NO. 2 https://hrdc.gujaratuniversity.ac.in/Publication Page | 448

VIII. Limitations of the study:

DATA INTERPRETATION & ANALYSIS

June, 2021. VOL.13. ISSUE NO. 2 https://hrdc.gujaratuniversity.ac.in/Publication Page | 449

June, 2021. VOL.13. ISSUE NO. 2 https://hrdc.gujaratuniversity.ac.in/Publication Page | 450

II. State Bank of India

SBI BANK NPAS AND NET PROF IT

June, 2021. VOL.13. ISSUE NO. 2 https://hrdc.gujaratuniversity.ac.in/Publication Page | 451

III. Bank of Baroda

June, 2021. VOL.13. ISSUE NO. 2 https://hrdc.gujaratuniversity.ac.in/Publication Page | 452

BOB NPAS AND NET PROFIT

500000.00 428065.14 427431.83

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IV. HDFC Bank

HDFC BANK NPAS AND NET PROFIT

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MEASURES & RELIEF BY RBI IN RESPONSE TO COVID-19:

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 Correlation between Net Profit and Total Advances:

Axis Bank Reciprocal Relationship

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Dr. Nilam Panchal

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