Özet:

Public Sector banks have been lending to Priority sector, non priority sector and public sector. The main purpose of differentiation between priority and non priority sector was that for the economic development, loans can be given to the priority sector to enhance their growth; also the non priority sector and public sector are important because of the scale of operations. These sectors are important for the growth of the economy. Similarly on the other hand, Public sector banks and the credit which they lend are important for the economic development of the country. The main aim of public sector banks is that the availability of credit is increased. Non performing assets means the loan has not been repaid in the past 90 days. NPA’s as they are called as affect profitability and capital adequacy adversely. The survival of banks is affected. Therefore is necessary to understand different facets of the problems of NPA’s. The paper does a comparative analysis of the Non Performing Assets of the three sectors for the period 2003 to 2022. The paper seeks to study the NPAs between the years 2003 to 2012 and 2013-2022. Various statistical techniques such as Annova and T Test are used for the purpose of analysis. The paper concludes with the observation that there has been more NPA’s in the non priority sector than the other two. Further the decade between 2013-2022 has a higher mean of NPA’s than the earlier decade

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