Decrease in revenue

The number of loan accounts are turning into NPA (Non-performing Assets).

Perhaps an increase in the of the existing costs of production? Fall in demand due to lower income?

Here is my view point: The company haven't incurred any new costs,that itself is the root cause. The company haven't incurred any new costs,which means the company haven't spend any amount on R&D or any improvement in the quality of the product,which may have caused the customers to switch to an alternative highly quality product or simply put the demand of the product of the xyz company has declined leading to a substantial decrease in sales & hence the profit decreased.

Here is my view point: The company haven't incurred any new costs. That itself is the root cause. The company did not spend money on R&D or to improve the quality of the product,which has caused the customers to switch to an alternative product with more quality. This leads to a decline in sales & hence the profit also declined. Simply put, the demand for the product of XYZ company has decreased leading to a decrease in profits because of not spending adequate money on improving the quality of the product.

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Technique or the methods of adopting the business must be traditional. Company should adopt modern methods and technology.

The company is experiencing a decrease in incomes.It might be caused by the price decline or the customer amounts decline.

Decrease in revenue

Increase in costs.