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@article{196137,
        author = {Ms. Boppanna Kusuma and Ms. Kodithyala Keerthana and Dr. K. Naveen Kumar},
        title = {An Empirical Investigation into The Profitability and Operational Efficiency of State Bank of India},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {no},
        pages = {74-78},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=196137},
        abstract = {This study examines the financial performance of State Bank of India over a period of ten years, divided into two phases for comparative analysis. The objective of the study is to evaluate changes in profitability, efficiency, and overall financial stability using selected financial ratios. Key indicators such as Earnings Per Share (EPS), Return on Equity (ROE), Net Profit Margin (NPM), Return on Assets (ROA), and Net Interest Margin (NIM) were analyzed. Statistical tools including descriptive statistics and independent sample t-tests were applied to determine whether significant differences exist between the two time periods. The results indicate a marked improvement in profitability and asset utilization in the later five-year period, while core interest margins remained relatively stable. The findings suggest that the bank has strengthened its financial structure through improved operational management and better utilization of resources. The study provides useful insights for investors, policymakers, and banking professionals in understanding performance trends and strategic financial management in public sector banking.},
        keywords = {Financial Performance, Earnings Per Share, Return on Equity, Profitability Analysis, Public Sector Banking.},
        month = {March},
        }