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@article{183727,
        author = {Sukhjit Kaur},
        title = {Comparative Study on Financial Performance of Public and Private Sector Banks in Punjab: An Empirical Analysis between SBI and ICICI Bank (FY 2023–24)},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {3},
        pages = {2505-2508},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=183727},
        abstract = {This paper conducts a comparative analysis of the financial performance of a leading public sector bank—State Bank of India (SBI)—and a prominent private sector bank—ICICI Bank—operating in Punjab for the financial year 2023–24. Using profitability indicators such as Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and the Current Account Savings Account (CASA) ratio, the study aims to provide insights into operational efficiency, financial stability, and customer-centric performance. The analysis incorporates real financial figures sourced from audited annual reports, supplemented by realistic simulations for certain Punjab-specific operations where data is not publicly disaggregated. The study applies ratio analysis, comparative tables, and trend examination to draw conclusions. The findings reveal that while SBI demonstrates stronger deposit mobilization and branch reach in Punjab, ICICI Bank outperforms profitability and asset efficiency metrics. The research concludes with recommendations for strategic improvement and policy directions for enhancing banking performance in the state.},
        keywords = {SBI, ICICI Bank, Public Sector Banks, Private Sector Banks, Punjab, Profitability, CASA, Financial Performance.},
        month = {August},
        }