The word banking is a buzz word in this modern era. Our financial
system largely depends on this sector. The concept of Non-Performing
Loans (NPLs) or classified loans is one of the major barriers in the way
of sustainability and growth of banking industry. The study basically
focuses on the recent scenario of Non-Performing Investments (NPIs) in
Islamic commercial banks of our country. The paper has shown the
impact of credit worthiness of customers, bureaucratic issues, ethical
perspective of employees, credit analysis process and so on over the
trend of NPLs or NPIs. For the study a field survey has done for primary
data collection. All of the 8 Islamic banks are in the sample frame.
Principal Component Analysis has been used to analyze primary data.
The regression and trend between NPIs and profit after tax has shown to
reveal the real picture. 5 years secondary data has been used (2011-
2015). Different statistical tools like as mean values, standard deviation,
F-test, regression analysis and so on have been used. The paper reveals
some variables have highest influence over the NPIs of Islamic banks
while others have least impact. The paper will be useful material for the
finance scholars and bankers.
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