Profitability & Operational Efficiency of Indian Commercial Banks: A Comparative Study of Public and Private Sector Banks in India Dr. Deb Joyeeta*, Purkayastha Mohuya Deb** *Assistant Professor, Department of Commerce, Assam University, Silchar, Assam, India **Part-time Lecturer, Department of Commerce, Cachar College, Silchar, Assam, India Online published on 5 July, 2014. Abstract Reforms in the banking sector have resulted in a number of changes. The purpose of any reform measure is to bring about a stable and efficient banking system. Towards this end, several measures have been developed to gauge the performance of the sector. Following reforms, many new private sector and foreign banks have entered the sector. This has resulted into competition. Bank, whether in the private or public sector need to manage its affairs in a most effective manner. Thus, the present study, with the help of accounting ratios, attempts to make a comparative analysis of profitability and operational efficiency of selected public and private sector banks. The results indicate that the performance of private sector banks is better compared to the public sector banks in most of parameters. Top Keywords Profitability, Operating Efficiency, Accounting Ratio, ROA, ROE, Spread Ratio, Burden Ratio. Top |