CREDIT RISK MANAGEMENT AND FINANCIAL PERFORMANCE: A COMPARATIVE STUDY OF BRICS SELECTED BANKS
Sakshi Soneja
Research Scholar, Department of Accountancy and Law, Faculty of Commerce, Dayalbagh Educational Institute, Agra, Uttar Pradesh.
Abstract
The financial sector plays an important role in the overall growth of the nation but the banks are the main players in this field. For understanding the risks faced by these banks, this study attempted to analyse the impact of credit risk on the financial performance of BRICS-selected banks which are conducted for the period 2018-2022. Twenty-two state-owned banks have been taken for this study. Descriptive statistics, Correlation matrix, Hausman test, Variation Inflation Factor Test, and Random Effect Model have been used for analysis. The results of the study showed that NPLR and CIR have a significant impact on the ROA of selected banks and CAR and LDR do not have any significant impact on the ROA of selected banks of BRICS.
Keywords: Financial Performance, Credit Risk, BRICS, Banks, Random Effect Model (REM)
Journal Name :
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EPRA International Journal of Research & Development (IJRD)
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Published on : 2024-02-24
Vol | : | 9 |
Issue | : | 2 |
Month | : | February |
Year | : | 2024 |