ANALYSING FINANCIAL RESILIENCE: A COMPARATIVE STUDY OF INDIAN PRIVATE SECTOR BANKS

Abstract

This research study aims to provide a comprehensive analysis of the financial performance of selected private sector banks in India. The primary objectives of the study are twofold: first, to analyse the financial performance of individual private sector banks, and second, to compare the financial performance of these selected banks. To achieve these objectives, the study relies on secondary data collected from diverse sources such as annual reports, articles, journals, and government reports. The selected sample for this comparative assessment includes three prominent private banks: HDFC Bank Ltd, ICICI Bank Ltd, and Kotak Mahindra Bank Ltd. These banks have been chosen for their significance in the Indian banking landscape, allowing for a detailed examination of their financial health, strategic initiatives, and overall performance. The study spans the last five fiscal years, covering the period from 2018-19 to 2022-23. By delving into this timeframe, the research aims to provide a holistic view of the financial trajectories of the selected private sector banks. This comprehensive analysis takes into account various financial metrics, allowing for a nuanced understanding of the factors influencing the financial resilience of these banks. In terms of methodology, the study employs ratio analysis and ANOVA testing. Ratio analysis serves as a powerful tool to evaluate the financial health and performance of banks, providing insights into liquidity, profitability, and solvency. Additionally, ANOVA testing allows for a robust comparison of key financial indicators among the selected banks, facilitating a nuanced understanding of their relative strengths and weaknesses. Through this research, it is anticipated that a deeper comprehension of the financial resilience of Indian private sector banks will be attained. The findings of this study hold significance for stakeholders, policymakers, and researchers interested in the dynamics of the banking sector, providing valuable insights into the comparative financial performance of key players in the Indian private banking landscape.