Financial Performance Analysis Of Indian Banking Sector: A Comparative Study Of Public And Private Banks In The Post-Digital Era (2019-2024)

This study examines the financial performance of Indian banks across public and private sectors during 2019-2024, focusing on the impact of digital transformation, regulatory changes, and economic recovery post-COVID-19. Using financial ratio analysis, trend analysis, and comparative evaluation, this research analyzes key performance indicators including profitability, asset quality, capital adequacy, and operational efficiency. The study reveals significant divergences in performance patterns between public sector banks (PSBs) and private sector banks, with digital adoption emerging as a critical performance differentiator. Findings indicate that while PSBs have shown remarkable recovery in asset quality through government-led reforms, private banks have maintained superior profitability and efficiency metrics. The research contributes to understanding the evolving dynamics of Indian banking and provides insights for stakeholders, policymakers, and investors.