Vol.9, No.4, November 2020.                                                                                                                                                                           ISSN: 2217-8309

                                                                                                                                                                                                                        eISSN: 2217-8333


TEM Journal



Association for Information Communication Technology Education and Science

Comparative Analisys of Factors Non-Performing Loan in Ukraine and India


Hanna Strokovych, Amit Kumar, Nataliia Pohorelenko, Oleksiy Dzenis, Viktoriia Dzenis


© 2020 Hanna Strokovych, published by UIKTEN. This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License. (CC BY-NC-ND 4.0)


Citation Information: TEM Journal. Volume 9, Issue 4, Pages 1535-1542, ISSN 2217-8309, DOI: 10.18421/TEM94-28, November 2020.


Received: 25 July 2020.

Revised:   26 October 2020.
Accepted:  31 October 2020.
Published: 27 November 2020.




The article is devoted to theoretical and methodological problems of bank unrecovered loan in Ukraine and India. The purpose of this article is to identify the key sensitive indicators of unrecovered loan in Ukraine and Indian banking system. The article solves the following research tasks: a descriptive statistical analysis of bank unrecovered loan to the total loans, bank cash reserves to the ratio of bank assets, inflation, consumer prices, interest rates on loans, GDP; data on bank bad loans to the total amount of total loans, bank cash reserves, the ratio of bank assets, inflation, consumer prices, interest rates on loans, GDP are standardized; a regression model of the dependence of non-performing bank loans on the total loan on the factors of the ratio of bank cash reserves to bank assets, inflation, consumer prices, interest rates on loans and GDP was built; analysis of the remains of the regression model. According to the results of the study, the main factors that affect bank unrecovered loan for the total amount of loans are: for Ukraine − the ratio of cash reserves to bank assets and GDP; for India − consumer price inflation and GDP.


Keywords –unrecovered loan, economic, stability, indicator, banking system, Ukraine, India, cash reserves, bank assets, ratio, inflation, consumer prices, lending interest rate, GDP.



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