• Financial Performance Assessment of Major Indian Banking Institutions: An Analytical Study

DOI:DOI:18.A003.aarf.J14I01.010681

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Poonam

Abstract:
The banking sector plays an instrumental role in shaping the economic trajectory of emerging economies like India. Boasting a robust branch network and an expansive suite of financial services, the Indian banking system underpins the nation’s macroeconomic stability. This study investigates the interplay between liquidity, solvency, and operational efficiency on the profitability of selected Indian banks using advanced panel data methodologies, including fixed and random effects models. Key financial metrics—capital adequacy, asset quality, profitability ratios, and liquidity measures—provide the evaluative framework. The empirical evidence reveals nuanced relationships between financial indicators and the performance of both public and private sector banks over the 2021–2025 periods. The findings serve as a vital resource for policymakers, scholars, and industry stakeholders seeking to understand the sector’s strengths, limitations, and avenues for enhancement.