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Abstract
This paper framed with aim of analyzing the sensitivity of the non-performing assets to bank specific advancing (lending) and country’s macro-economic factors. That is, an attempt is made to empirically evaluate how NPAs in banks are influenced by their advancing pattern and macro-economic factors in the country (India). This analysis is undertaken because there is a common perspective that the problem of banks’ non-performing loans is ascribed to political, economic, social, technological, legal and environmental factors across countries. With increasing pace of globalization as well as with advancement in information technology, the political, economic, social, technological, legal and environmental factors have undergone dramatic changes, primarily due to structural transformation of emerging economies, including India.