A Comparative Statistical Approach towards NPA of PSU and Private Sector Banks in India

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Dr. Mohammad Miyan


The present paper is to analyze the comparative study of the NPA factor and returns on assets of the PSU banks and private sector for the period of five years i.e., from 2011-12 to 2015-16. The study has considered various parameters for measuring the performance like as Gross NPA %, Net NPA %, return % on assets, growth % of Net NPA and growth % of return on assets. The data of State Bank of India; Punjab National Bank are using for PSU banks and HDFC Bank; ICICI Bank are using for private banks. It is to conclude that the results and trends show that NPAs are having a downward trend over the study period, but Non Performing Assets of public sector banks are still higher than private sector banks. The returns on the assets have also the downward trends but this is much lower in PSU banks as compared to private banks. Hence, the performances of PSU banks are not suitable as compared to private sector banks. The t-tests show that the results are not statistically significant at p < 0.05.

Keywords: HDFC Bank, ICICI Bank, NPA, PSU Banks, PNB, Private Banks, SBI


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