Indian Streams Research Journal

Volume : XVI, Issue : II, March - 2026

A COMPARATIVE STUDY OF FINANCIAL PERFORMANCE OF PUBLIC AND PRIVATE SECTOR BANKS IN INDIA

Aryan Mehta, Dr. Amarjeet Kaur

By : Laxmi Book Publication

Abstract :

This study compares the financial performance of public-sector banks (PSBs) and private-sector banks (PVBs) in India using aggregate secondary data for five financial years from 2020-21 to 2024-25.

Keywords :

• public-sector banks;
• private-sector banks;
• financial performance;
• ROAA;
• net interest margin;
• non-performing assets;
• India.

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References :

1. Athanasoglou, P. P., Brissimis, S. N., & Delis, M. D. (2008). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136. https://doi.org/10.1016/j.intfin.2006.07.001
2. Berger, A. N., & Mester, L. J. (1997). Inside the black box: What explains differences in the efficiencies of financial institutions? Journal of Banking & Finance, 21(7), 895-947.
3. https://doi.org/10.1016/S0378-4266(97)00010-1

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