Volume 18, No. 5, 2021
“A Comparative Study Of Financial Performances Of Public And Private Sector Banks In India And Need Of Next Generation Banking Sector Reforms”
Mamta Srivastava , Prof. S. D. Sharma , Dr. Gautam Jaiswal
Abstract
The evolution of the banking sector has seen several generations of reforms. The banking we are seeing is the fifth generation of banking. The last reforms in the banking industry, since 2014, the banking industry is doing well. But simultaneously the banking industry needed significant improvements too. Banks have an issue of simultaneously arising over the years, i.e., increasing NPA in banks. The present research is a comparative study of leading banks in their respective sectors. As a public bank, State Bank of India and as a private sector bank, ICICI bank has been selected. For evaluating the financial performance researcher has considered Return on Assets, Return on Equity, Net Interest Margin, CRAR, Profit Per Employee and NPA, etc. has been compared from 2016-2020. This research paper lays a foundation for a valid reason for next-generation banking reforms.
Pages: 2454-2465
Keywords: Financial performance of Banks, Banking sector reforms, Banking Industry.