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ABSTRACT
The banking sector is the one of important in a major task. The functioning of banking sector has
financing general thinking which builds much of the change upside down in India also. To check the
financial performance in the modern digital world, efficiency of banking system in India, their financial
growing financial performance lead to improving performance is determination. So it is important to
better functions of an organization. The main evaluate as to the performance of banks has improved
objective of thiss article is to know about the financial after crisis. Such information can provide use full for
performance of Indian public sector banks in the further route map, to policy maker about
random banks have been selected for the study. understanding the efficiency of banking sector in
Financially stabilized manner some of the variables India.
selected for the study to interpret financial
performances like loans ns and advances, assets, equity Today Indian banking Sector is a flourishing Industry;
shareholder capital, deposits, and net profit margin. it‘s mainly focused on new Banking technological
te
innovations. Banks innovated to use digital tool to
INTRODUCTION provide effective quality and services to the customer
Banking sector plays a vital role in the economic and get high speed in less time with wide area
development of a nation; the Banking system of India coverage of customers. In the recent scenario it has
has a wide network of branches serving a number of been changed, there are around 340 banks ba are
services to the people. Efficient Banking system working in India, in which are public and private
shows the development of nation economically and it banks. Today all the banks started with the different
proved many times, for example, the subprime crisis channels, like, Credit Cards, Debit Cards, Mobile
period, while every country
ntry has gone bankrupt even Banking, Internet Banking, E--pay etc. In 2020 Indian
though the Indian banking sector faced many banking sector will be fifth largest banking
bank sector and
difficulties but due to efficient financial strength it in 2025 third largest banking sector in the world.
makes the financial system to maintain the good
financial condition. Indian Banking sector have The main object of the study is to compare the
public sector-private sector andd foreign sector Financial Performance of the Indian Public Banking
working in India with their respective competition to Sector. For the analysis secondary data has been
other, these banks differ significantly from each other chosen to know the financial performance of o banks.
in terms of financial performance. The financially stabilized manner some of the
variables have been selected for the study to analyze
The economic environment changing all around the the financial performance like loans and advances,
world after
ter the global financial crisis, the financial assets, equity shareholder capital, deposits, and net
structure in globally has been also change due to slow profit margin.
down. Banking sector is also affected by the crisis.
Banking sector is the main component of financial
activities therefore measuring the strength and
financial soundness of banking institution has bec
become
@ IJTSRD | Available Online @ www.ijtsrd.com | Conference Issue: ICDEBI-2018 | Oct 2018 Page: 264
International Journal of Trend in Scientific Research and Development (IJTSRD) ISSN: 2456-6470
2456 | IF: 4.101
ANALYSIS AND INTERPRETATION
RETATION RETURN ON EQUITY:
ASSETS ROE is the amount of net income returned as a
2017 2016 2015 2014 2013 percentage of shareholders' equity. Return on equity
Canara 3885 3365 5480 4919 4123 measures a corporation's profitability by revealing
bank 18 45 0.56 21.85 42.61 how much profit a company generates with the money
Union bank 3193 3163 3816 5357 3118 shareholders have invested.
of India 83 93 15.93 80.90 60.81
RETURN ON ASSET:
The above table refers to the Total Assets rate of the Return on assets indicates that the profitable factors of
selected banks for a time period. Here also the Canara the banks which related to total assets. The higher
bank was in first so it represents the good opinion return, more efficient management is in utilizing its
among the other selected banks. Assets represent the asset base. And ratio is calculated by comparing net
total reserves of the banks. So here the reserves mean income to average total asset, and is expressed as a
that all banks have improved in reserves too. percentage.
@ IJTSRD | Available Online @ www.ijtsrd.com | Conference Issue: ICDEBI-2018 | Oct 2018 Page: 265
International Journal of Trend in Scientific Research and Development (IJTSRD) ISSN: 2456-6470
2456 | IF: 4.101
4. Medhat (2006), Comparison of Financial 6. Sanjeev Kumar Srivastav (2013), “A“ Financial
Performance in the Banking Sector: Some Ratio Analysis Of Select Foreign And New
Evidence from Omani Commercial Banks, Private Sector Banks Operating In India”, “The
“International Research Journal of Finance and International Journal Of Management” ISSN
Economics” ISSN 1450-2887
2887 Issue 3 (2006). 2277-5846
5846 Vol 2 Issue 4 (October 2013), pp 28-
28
34.
5. M. Kavitha (2012), Financial Performance Of
Selected Public Sector Banks In India, 7. Siva Reddy Kalluru (2009), “Ownership
“International Journal of Multidisciplinary Structure, Performance, anda Risk in Indian
Research” Vol.2 Issue 1, January 2012, ISSN Commercial Banks”, “The IUP Journal of Applied
2231 5780. Finance”, Vol. 15, No. 8, 2009 pp 31-45.
31
@ IJTSRD | Available Online @ www.ijtsrd.com | Conference Issue: ICDEBI-2018 | Oct 2018 Page: 266