Demographic Insights and Non-Performing Asset Analysis in Canara Bank: A Comprehensive Review with Sector-Wise and Branch Type Comparisons

Non-Performing Assets (NPAs) significantly impact the profitability and operational efficiency of banks, especially public sector institutions like Canara Bank. This study explores the demographic profile of Canara Bank employees and their awareness of NPAs, examining how these factors influence NPA management. A survey of 300 employees from various branch types (rural, semi- urban, and very large) was conducted to assess employee understanding of NPAs and the differences in NPA levels across sectors and regions. Hypothesis testing using two-sample t-tests indicated no significant differences in NPA size between Canara Bank overall and its Uttar Pradesh Circle (p = 0.3), as well as between priority and non-priority sectors both in the bank overall (p = 0.1) and within the Uttar Pradesh circle (p = 0.2). These findings suggest that NPAs are a systemic issue across all branches and sectors, rather than being isolated to specific regions or sectors. The study highlights the need for uniform, bank-wide strategies to manage NPAs, emphasizing the importance of employee education and consistent risk management practices. The research provides valuable insights into how demographic and operational characteristics influence NPA management, offering strategies for improving Canara Bank’s handling of NPAs.