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 _______ ____ ________ _________ __________ _______ _______ _________ ______ _______.
__________ _________ ________ _______ ___.
______ __________ ____ ____ ____ _________ __________ _____ _________ ________ __________ __________.
____ ___ _______ ____ _________ _______.
____ _________ ________ _____ ____.
_________ ________ ___ ___ ___ ______ _________ _________ ___.
______ ______ ______ _______ ___ _____ ____ _______ _________ _________ _________.
_________ ________ ____ ___ _____ __________.
_________ _____ ___ __________ _____ ___ ________ __________ _______ ____ ___.
____ ________ ______ __________ ____ _____ ______ _________ __________ _______ ________ _______.
__________ _____ _________ ___ _____.
____ _____ ___ _______ _________ ______ __________ _________ _________ ________ _________.
____ ________ ____ ___ _______.
_________ _________ ___ __________ ________ _________ _______.
_____ ___ _________ _____ ____.
___ ______ ___ ___ _____ __________ ________ _________ ______ _____ ______.
_____ _____ ________ ___ ____ ___.
______ ____ _________ _________ ___ __________.
___ _____ ___ __________ _______ ________ _____.
__________ ________ ________ ____ __________ ___ _______ _________ ______ ________ ______ _________.
_________ ____ __________ _________ ________ ______ ___ ___ ____ _________ _____ _____.
_____ ______ _______ ________ __________ ________ ____ ___ ___ _________ __________.
_________ ______ _________ ___ ________ _______ _______ __________ _________ ____ ________.
_________ ______ ___ ________ _________.
____ ___ ___ _________ ____ ___ ___ __________ _______.
___ _______ ________ __________ ____ _____ _______.
_____ _______ ___ ________ _____ __________ ____ ________.
_______ _______ ____ _____ _______.
___ __________ _________ _____ ____ _______ _____ __________ __________ ____ ________.
______ _________ ____ _____ ___ ____ _____ ____ ____.
__________ ________ __________ ______ ________.
______ ___ ________ ______ ______ _______ _________ _______ _____ _________.
_______ ________ _______ __________ ____ ___.
__________ _____ ______ _______ ___ _____ ____ ____ ____ ______ __________.
___ ____ ______ ________ ________ ____ ________ ______ ____ ____.
________ _______ ___ ____ _____ ____ ________ __________ ____ _______ ______ _______.
_____ ____ __________ __________ _______ _______ ________.
________ ___ __________ ______ ________ __________.
___ _____ ___ ___ __________ _______ ________ ________.
___ ____ ______ ____ ______ _______ ___ ____ ______ __________ ______.
____ _________ ________ ________ __________ ____ ________ ______.
____ ___ _________ ___ _____ _________ _______ ____ __________.
_____ ______ ________ ________ _____ _____ ____.
_______ ______ _______ __________ ___ _______ _____ ______.
____ ___ __________ ________ _____.
____ _________ _________ ________ ______.
___ __________ ______ _______ _____ _________ ________ ___ ______ ________.
______ ________ ______ _____ _______ ___ ___ ______.
________ ______ ________ ____ _______ _____ ____ _______ ____ ______ ____.
_______ _____ _____ _____ _____.
_______ _______ ___ _________ ______ __________ _______ _________ _________ ___ ___ ________.
___ _______ ___ __________ _____ _________ __________.
______ ____ __________ ______ ____ ____ ____.
_________ _____ _____ _________ ______ ________.
_____ ___ ______ _________ _____.
________ ____ ____ _______ ______ _____ __________ _____.
__________ _____ ___ ______ _____.
___ ____ _________ _________ _________ __________ ______ ___ ______ ____ ______.
_________ ____ ______ __________ _________ __________ __________ ________ ______ _____.
___ _______ _______ _____ _____ ______ ________ _______.
_______ ____ ______ ________ ______ ___ __________ __________ __________ _____ _____ __________.
__________ ___ _______ ______ ________ ___ _____ _______ ______ ________ __________.
________ ______ _______ _________ ________.
_________ _________ ____ ________ _________ ___ __________ ___.
_____ _______ ____ ________ ______.
_____ ________ __________ __________ ________ ________ _______ ____ _________ ______.
__________ _____ ________ ________ ________ __________ _____ _____ _______ _____.
________ ___ __________ _______ ________ ______ _______ _________.
_______ ____ ______ _________ _____ __________ ___ ___.
__________ __________ ___ ____ _______ ___ __________ ____.
_________ __________ _____ _________ ______ ______ _______ ___ ________ _________ ___.
______ _____ _____ ________ __________ __________ _________.
_____ _____ ____ _______.
Get Full Answer on WhatsApp

IGNOU Solved Assignments Assignments Ignou Projects Project Previous Year Solved Exam Papers Notes Notes Sample Question Papers Sample Question Papers

IGNOU NEWS

Assignment Submission Last Date Extended Till 30 June 2026 Click Here★★★IGNOU June 2026 TEE Date Sheet Released Click Here★★★