A Study of Risk and Efficiency in Public and Private Sector Banks in India

This study aims to compare the risk profiles and operational efficiencies between public and private sector banks in India. By analysing various financial metrics and employing advanced statistical techniques, we seek to uncover the underlying factors contributing to the differences in performance between these two sectors. The investigation encompasses a comprehensive review of both quantitative and qualitative data, including but not limited to, capital adequacy ratios, non-performing assets (NPAs), return on assets (ROA), and customer satisfaction indices. Furthermore, the study delves into the regulatory environment, technological adoption, and strategic initiatives undertaken by these banks to mitigate risks and enhance efficiency. Through this comparative analysis, we aim to provide insights that could inform policy decisions, strategic planning, and risk management practices within the banking industry in India.