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Abstract
Non-performing assets (NPAs) have been a major cause of concern for Indian commercial banks in the recent past years. Many studies have been reported on the different aspects of NPAs in Indian banking system.However there is a scarcity of detailed investigation in the field of identifying the types of banks in which the NPAs are concentrated more, the reasons etc. The purpose of this study is to investigate all these crucial issues through a systematic statistical testing. The outcome of this study will help in emphasising on the correlation of NPAs with the profitability of public and private sector banks and help to identify the areas of opportunity for targeting of NPAs. Use of statistical tools would help in testing the significance of the various attributes associated with the profitability and NPAs of banks.