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VOL. 10, ISSUE 3 (2025)
Analysis of Financial Performance: A study on selected public and private Indian banks
Authors
Dr. Somnath Das, Devmalya Khan
Abstract

The financial performance of a business is very crucial to making decisions regarding the future planning, expansion and growth of the business. The shareholders, managers and staff are the internal users of financial information, whereas the lenders, government and suppliers are the external users of financial information. The sound financial position of the business helps in getting a loan at a lower interest rate. The financial performance of a bank is very crucial for its expansion, shareholders and customer base. The present study aimed to evaluate the financial performance of the bank from the data. The EAGLE model is used to evaluate the financial performance of the bank. From the 10-year analysis of financial data of the bank, it is found that the bank’s financial position is sound. We found that the financial performance of Bandhan Bank was best during the study period, followed by ICICI Bank, State Bank of India, Bank of Baroda, and Punjab National Bank. The average return on assets and average return on equity were negative in the case of Punjab National Bank during the study period. The ROE, Net NPA ratio, Growth of Deposit, Loan to deposit ratio, and CAR had a significant impact on the financial performance of the banks, which were measured by ROA.

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Pages:81-88
How to cite this article:
Dr. Somnath Das, Devmalya Khan "Analysis of Financial Performance: A study on selected public and private Indian banks ". International Journal of Multidisciplinary Education and Research, Vol 10, Issue 3, 2025, Pages 81-88
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