Financial Performance of Commercial Bank in India :A Comparative Study of Selected Banks

Financial Performance of Commercial Bank in India :A Comparative Study of Selected Banks

Sejal Pandey

UNDER THE GUIDANCE OF Dr. Brahmmanand Sharma

MASTER OF BUSINESS ADMINISTRATION

SCHOOL OF BUSINESS

GALGOTIAS UNIVERSITY

ABSTRACT

This study examines the financial performance of commercial banks in India, focusing on key indicators such as profitability, asset quality, liquidity, and efficiency. Using data from the past decade, the research assesses the impact of various internal and external factors on the banking sector's performance. Through statistical analysis and financial modeling techniques, the study aims to provide insights into the overall health and stability of Indian commercial banks, contributing to a better understanding of the country's banking industry and its role in the economy.The financial performance of commercial banks in India has experienced significant transformation over recent decades. With the advent of economic reforms, liberalization, and technological advancements, the banking sector has evolved to become mature and considerably stable. This paper evaluates the financial performance of Indian commercial banks with a focus on key performance indicators like asset quality, capital adequacy, profitability, and non-performing assets. By employing a combination of quantitative analysis of financial data and review of existing literature, we assess how Indian banks have adapted to regulatory changes, technology integration, and market demands. We consider the impact of diversification of income sources away from traditional interest-based revenue streams, the challenges of rural reach for private and foreign banks, and the implications of service quality on customer satisfaction. The paper aims to provide a comprehensive understanding of the factors influencing the financial health of commercial banks in India and offers insights into the opportunities and challenges facing the sector in today's dynamic economic environment.