Manish Kumar Soni
Commerce
May 2025
This article aims to conduct a comparative analysis of the profitability and asset quality of selected public and private sector banks in Satna, Madhya Pradesh. The research focuses on four prominent banks—State Bank of India (SBI), Punjab National Bank (PNB), ICICI Bank, and HDFC Bank—over a five-year period between 2019–20 and 2023–24. It has been checked in terms of quality using crucial monetary parameters such as Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), Gross and Net Non-Performing Asset (NPA) ratios, and Provision Coverage Ratio (PCR). The outcomes have indicated that the private sector banks, particularly HDFC and ICICI, frequently outperformed public sector banks in both profitability and asset quality. Although the public sector banks signalled symptoms of steady growth, they also struggled with increased NPA ratios and tighter margins. The report highlights the extent to which efficient risk management, business productivity, and responsible lending strategies work in the interest of enhanced bank performance.
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© Airo Journals 2021
