stdClass Object
(
    [id] => 16183
    [paper_index] => 202505-07-021796
    [title] => VOLATILITY AND SIGNIFICANCE OF NPAS IN INDIAN BANKS: A PUBLIC AND PRIVATE SECTOR COMPARISON
    [description] => 
    [author] => Ms.B. Soundharya, Dr. R. Kavitha , Ms. S. Sathiya
    [googlescholar] => 
    [doi] => 
    [year] => 2025
    [month] => May
    [volume] => 12
    [issue] => 5
    [file] => fm/jpanel/upload/2025/May/202505-07-021796.pdf
    [abstract] => This research provides a comparative examination of Non-Performing Assets (NPAs) in both public and private sector banks in India, concentrating on the assessment of the volatility and statistical relevance of Gross NPA (GNPA) and Net NPA (NNPA) ratios. The volatility is quantified by analysing average NPA ratios over a specified timeframe, while a one-way ANOVA test is utilized to ascertain whether there exists a statistically significant disparity in asset quality between public and private banks. The study relies on secondary data obtained from published financial statements and regulatory databases. 
The results reveal that public sector banks typically demonstrate higher and more fluctuating NPA ratios in comparison to private banks, indicating differences in credit risk management strategies and operational effectiveness. Furthermore, the statistical findings underscore the importance of ownership type in influencing NPA performance. These findings are crucial for regulators, policymakers, and stakeholders who seek to enhance financial stability and elevate the asset quality within the banking sector through more focused strategies and reforms.

    [keywords] => Gross NPA, Net NPA, Comparative, Anova and Average 
    [doj] => 2025-05-23
    [hit] => 
    [status] => 
    [award_status] => P
    [orderr] => 73
    [journal_id] => 7
    [googlesearch_link] => 
    [edit_on] => 
    [is_status] => 1
    [journalname] => EPRA International Journal of Economics, Business and Management Studies (EBMS)
    [short_code] => IJHS
    [eissn] => 2347-4378
    [pissn] => 
    [home_page_wrapper] => images/products_image/2.EBMS.png
)
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