Description

About The Book

This book presents a comparative study of the financial performance of select public and private sector banks in India, offering valuable insights for scholars, researchers, and students of banking and finance. The study focuses on two public sector banks—State Bank of India (SBI) and Canara Bank—and two private sector banks—HDFC and ICICI—chosen based on their market capitalization, branch network, and asset quality. The period of study spans from 2019 to 2023, a transformative era for Indian banking, marked by consolidation, capital infusion, and policy reforms.

The research employs the EAGLES Model, an analytical framework that evaluates six critical parameters: Earnings, Asset Quality, Growth, Liquidity, Equity, and Strategy. Each parameter is examined using key financial indicators such as Return on Assets, Net NPAs, Loan and Deposit Growth, Capital Adequacy Ratio, and income ratios. Secondary data from RBI sources and annual reports of the selected banks form the empirical base. Advanced statistical tools, including descriptive statistics, the Coefficient of Variation method, and one-way ANOVA, are used to analyze and interpret the data.

Findings reveal significant differences in financial performance between the two sectors. While public sector banks exhibit strength in stability and conservative lending, private sector banks demonstrate superior performance in profitability, strategic income generation, and overall financial agility. Canara Bank, in particular, underperforms in comparison to its peers, signaling the need for improvements in credit risk management, investment strategy, and operational efficiency.

This book contributes to academic discourse by providing a structured model for evaluating bank performance and by offering evidence-based conclusions relevant for policy formulation and institutional reform. It underscores the importance of Early Warning Systems, robust asset quality monitoring, and strategic reorientation in public banking. The study is a valuable resource for academic inquiry and policy research, contributing to a deeper understanding of evolving performance patterns in India’s banking sector.

About The Author

Dr. Sreeram Daida is a distinguished academic with extensive qualifications, including M.Com, MBA, MA (English), PGDT, M.Phil, and Ph.D. He is currently serving as an Associate Professor of Commerce at Badruka College of Commerce and Arts, Hyderabad, where he has been a faculty member for 13 years. Prior to this, he worked as a lecturer in commerce at AV College of Science, Arts, and Commerce for seven years, contributing to his two decades of teaching experience. Dr. Sreeram has cleared the Telangana State Eligibility Test (TS-SET) in Commerce and Management, showcasing his academic excellence. His areas of specialization include Accounting, Finance, and Management, where he has made significant contributions through both teaching and research. He has published more than 15 research articles in esteemed journals, including those indexed in ABDC, UGC CARE, and peer-reviewed platforms.

He actively participates in national and international conferences, presenting his research and engaging with fellow scholars. Dr. Sreeram is also a life member of professional bodies such as the Indian Accounting Association (IAA) and the Telangana Commerce Association (TCA). Renowned for his dedication to academia, he continues to inspire students and contribute to the advancement of commerce and management education.

Email dr.srdaida@gmail.com, Mob: +91 99515 66499/ +91 99899 49759

Prof. D. Rabindranath Solomon is an Associate Professor and Head, Department of Commerce and Director, Centre for Skill Development and Career Planning (CSD&CP)

Dr. B.R. Ambedkar Open University, Hyderabad. Dr. Solomon holds a Ph.D. on “”Customer Perception of Personal Care Products with Specific Reference to Males”” and an M.Phil. on “”A Study of Malls in Hyderabad.”” He completed his M.Com. with distinction from Osmania University College of Commerce and Business Management ( OUCC&BM) in 1997. He has 27 years of Teaching experience with 11 years at Aurora College and over 15 years at Dr. BRAOU, he currently serves as Associate Professor, Head of the Department of Commerce, and Director of CSD&CP. Dr. Solomon’s areas of expertise include Accounting, Finance, Economics, Income Tax, Financial Markets, and Taxation. He has recorded numerous radio and video lessons contributing significantly to distance learning. Dr. Solomon has presented papers at national and international seminars and organized several webinars on contemporary topics, including leadership challenges, intellectual property rights, and economic development.He has guided three Ph.D. scholars, publishing extensively on topics like investment decisions, consumer behavior, and the impact of GST. His work has appeared in reputed National and International journals.

An active member of professional bodies like the Indian Commerce Association and Indian Accounting Association, he has attended various workshops on OER, research methodologies, and online learning tools. As a resource person, he has delivered lectures on leadership, career opportunities, and economic trends.

Contact: Email: rabindranathsolomon@gmail.com and Mobile: 98485 45742 / 92810 13605.