The efficient, dynamic and effective banking
sector plays a very important role in accelerating
the rate of economic growth in any economy.
The Government of India introduced economic
and financial sector reforms in 1991 and banking
sector reforms were part and parcel of financial
These were initiated in 1991 to make Indian
banking sector more efficient, strong and
The main purpose of the banking sector
analysis is to examine a risk and return
characteristics of public sector banks and
private sector banks .
The main aim is to know which bank sector is
worthwhile to invest.
And which sector is more beneficial for
To study the concept and techniques of
To evaluate 3 public sector banks and 3
private sector banks.
To do the Comparative study of private sector
and public sector Banks.
To study the growth trends in banking sector.
Seconder source data collection by:-
Birla sun life.com
Official websites of banks.
Major players in industry
Public sector banks – SBI, PNB, Bank of
Baroda, Bank of India etc.
Private sector banks- HDFC, ICICI Bank,
AXIS Bank, Yes Bank etc.
Foreign Banks – Standard Chartered Bank,
HSBC, City Bank etc.
Regional Rural Banks – Andhra Pradesh
gramin bank , Uttranchal Gramin Bank etc.
Net Interest Margin
Capital Adequacy Ratio
Net Interest Income
Non Performing Assets
2013 2014 2015
Net int. margin 2.9% 3.2% 3.2%
96886 120330 143862
17.0% 16.1% 15.1%
NPA 0.4% 0.4% 0.4%
SBI BOB PNB
NIM 3.2% 2.9% 4.0% 2.9% 2.0% 2.8%
NII 143862 226459 233780 747957 143684 173668
CAR 15.1% 17.0% 16.8% 12.8% 12.6% 13.6%
NPA 0.4% 1.6% 0.3% 2.1% 1.9% 4.1%
Sector is increasing with total asset size of
81trillion(USD 1.34 trillion).
Interest rates are high and investors
confidence low resulting in shrinking
investment and GDP growth.
The gross NPA of banks(PUB+PVT)increased
over the last one year from 3.3% to 3.9% as
on march 2014