The Shrinking Loan Book
unconventional
India-specific
Set in Kolkata, India; the figures and context are India’s.What this case is about
Your client is Janapath Bank, a regional lender. Management has noticed an increase in non-performing assets. It wants to understand what is driving the change and what actions it should take.
Objective
Establish whether the rising NPA ratio is driven by a changing numerator or loan book, trace the underlying cause, and recommend practical short and long-term actions.
Skills this case tests
Structuring the problem
Working the numbers
Judgement and recommendation
Communicating clearly
This is an interview practice scenario. Figures in the brief are case inputs, not current market research.