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Identifying the Factors Affecting Non-Performing Advances: Lending Officers Perspective

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dc.contributor.author Gunaratne, N.
dc.contributor.author Wijayanayake, A.
dc.date.accessioned 2015-12-03T03:34:23Z
dc.date.available 2015-12-03T03:34:23Z
dc.date.issued 2015
dc.identifier.citation Gunaratne, N. and Wijayanayake, A. 2015. Identifying the Factors Affecting Non-Performing Advances: Lending Officers Perspective. 6th International Conference on Business & Information ICBI – 2015, Faculty of Commerce and Management Studies, University of Kelaniya, Sri Lanka. pp 12-18. en_US
dc.identifier.issn 2465-6399
dc.identifier.uri http://repository.kln.ac.lk/handle/123456789/10534
dc.description.abstract Core income generation source for any commercial bank is “Lending”. The asset value of a bank is several times of its equity. The largest portion of asset base of a bank consists of advances to customers. Non Performing Advances are the main threat to an asset base of a bank. Deterioration of even a small portion of its asset base would severely impact the equity and the stability of a bank. Hence, Key function of any bank is managing Non-performing Advances. The purpose of this research is to identify factors affecting to Non-Performing Advances in the perspective of Lending Officers context. Identified four factors by the author are Training and knowledge of the Lending Officers, Risk assessment, Monitoring and follow up and financial stability of the borrower. The principal under the research is common to all commercial banks in general. The survey was carried out using Simple random sampling method for selection of Lending Officers. Quantitative method was used to gather data through a selfadministered questionnaire. Relationships for the identified factors were analyzed using SPSS 17.0 software through Spearman’s coefficient of correlation. Recommendations of the study are that Non-performing Loans could be managed through enhancing the Training and Knowledge of Lending Officers by adequate credit exposure. Further, it is recommended that, bank need to consider Risk assessment and financial stability of the borrower. Also, continuous monitoring and follow up of Loans. en_US
dc.language.iso en en_US
dc.publisher Faculty of Commerce and Management Studies, University of Kelaniya en_US
dc.subject Non-performing Advances en_US
dc.subject Lending Officers en_US
dc.subject Risk Assessment en_US
dc.subject Financial Stability of the Borrower en_US
dc.title Identifying the Factors Affecting Non-Performing Advances: Lending Officers Perspective en_US
dc.type Article en_US


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