Comparative Analysis of Non-Performing Assets in Indian Banks: A Study Using Anova

This research investigates the significant differences in “Non-Performing Assets (NPAs)” across selected Indian public and private sector banks over a five years period (2018-2022). Using ANOVA (Analysis of Variance), this study analyzes the NPA trends in “Punjab National Bank (PNB), State Bank of India (SBI), HDFC Bank, and ICICI Bank”. The results indicate significant differences in NPA ratios among these banks, reflecting distinct risk management strategies and financial stability trends. The findings provide crucial insights for policymakers, banking institutions, and financial analysts to enhance their understanding of asset quality management practices.