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In order to evaluate the financial performance of Indian public and private sector banks, this study examines important indicators such capital adequacy ratio, return on equity (ROE), return on assets (ROA), net profit margin, and non-performing assets (NPAs). The profitability, efficiency, and asset quality of the two sectors are compared using current financial data. The results show that while public banks continue to fulfill their social obligations and reach a wider audience, private banks typically do better in terms of profitability and operational effectiveness. For investors, legislators, and regulators, this comparative study provides valuable insights into the changing dynamics of the Indian banking industry.
Keywords:
Financial Performance, Public Sector Banks, Private Sector Banks, Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin
Cite Article:
"An Assessment of financial performance of private and Public Sector banks", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 9, page no.b271-b281, September-2025, Available :http://www.ijrti.org/papers/IJRTI2509134.pdf
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000392
ISSN:
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016
An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator