Select any one Public Sector Bank and one Private Sector Bank of

Question

Select any one Public Sector Bank and one Private Sector Bank of your choice and compare their profitability with the help of Profitability Ratios for last 5 years. Based on these ratios, comment on the profitability trends of these banks and identify which bank is better.

03 Aug 2025

Answer :

Word Count : 747

Here’s a comparative analysis of State Bank of India (public sector) and HDFC Bank (private sector) focusing on profitability trends over the last five financial years (FY 2021 through FY 2025), using return-on-assets (ROA) and return-on-equity (ROE) ratios: --- ## State Bank of India (SBI) – Profitability Ratios (FY 21–25) Data from Moneycontrol: ([Moneycontrol][1]) | Financial Year | ROA (%) | ROE (%) | | -------------- | ------- | ------- | | FY 2021 | 0.36 | 6.95 | | FY 2022 | 0.45 | 8.86 | | FY 2023 | 0.63 | 12.33 | | FY 2024 | 0.91 | 16.75 | | FY 2025 | 0.98 | 17.46 | Trend commentary: * Both ROA and ROE show a steady upward trajectory from FY 21 to FY 25. * ROA nearly triples (0.36 → 0.98), while ROE increases significantly (\~6.95% → \~17.5%). * Profit margins gradually recovered: net _______ ________ __________ ____ ______ ____.
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