ARCHIVES
Year 2026 · Volume 6 · Issue 5
Original Article
A comparative analysis on Financial Performance of Public and Private Sector Commercial Banks in Andhra Pradesh and Telangana states with special reference to customer perceptions
Murali Puja1
Dr. Shanmukha Rao Padala2
1 Research Scholar, Government College (A), Rajahmundry of Adikavi Nannaya University Rajahmahendravaram East Godavari & Associate Professor, Department of Commerce, TSR & ERR Government Degree College, Pamarru, Krishna, Andhra Pradesh, India. 2 Associate Professor, Department of Commerce, Government College(A), Rajahmahendravaram, Andhra Pradesh, India.
Published Online: September-October 2026
Pages: 98-112
Cite this article
↗ https://www.doi.org/10.59256/ijrtmr.20260605012
References
1. Alam, M. S., Rabbani, M. R., Tausif, M. R., & Abey, J. (2021). Banks’ performance and economic growth in India: A panel cointegration analysis. Economies, 9(1), 1–13. https://doi.org/10.3390/economies 9010038
2. Athanasoglou, Brissimis, P. and, Delis, S. and, & Matthaios. (2005). Munich Personal RePEc Archive Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Digitalcommons.Iwu.Edu,32026. https://digital commons.iwu.edu/uer/vol7/iss1/2
3. Ayomi, S., Sofilda, E., Hamzah, M. Z., & Ginting, A. M. (2021). The impact of monetary policy and bank competition on banking industry risk: A default analysis. Banks and Bank Systems, 16(1), 205–215. https://doi.org/10.21511/bbs.16(1).2021.18
4. Bajaj, R., & Anshu. (2020). A study on Factors affecting financial performance of Indian Banking Sector. Journal of Business Management and Information Systems, 7(2), 9–16. https://doi.org/10.48001/ jbmis.2021.0702002
5. Banking Sector in India: Market Size, Industry Analysis, Govt Initiatives IBEF. (n.d.). Retrieved April 28, 2021, from https://www.ibef.org/industry/banking-india.aspx
6. Bawa, J. K., Goyal, V., Mitra, S. K., & Basu, S. (2019). An analysis of NPAs of Indian banks: Using a comprehensive framework of 31 financial ratios. IIMB Management Review, 31(1), 51–62. https://doi.org/10.1016/j.iimb.2018.08.004
7. Bobade, P., & Alex, A. (2020). Study the Effect of Covid-19 in Indian Banking Sector. Global Business School & Research Centre, 5, 179–184.
8. Brahmaiah, B., & Ranajee, (2018). Factors Influencing Profitability of Banks in India. Theoretical Economics Letters, 08(14), 3046–3061. https://doi.org/10.4236/tel.2018.814189
9. Buch, C., & Drages, B. G. (2018). Structural changes in banking after the crisis. In CGFS Papers (Issue 60). https://www.bis.org/publ/cgfs60.pdf
10. Budhedeo, S. H., & Pandya, N. P. (2018). Financial Performance of Public Sector Banks in India: A Post Reform Analysis.Indian Journal of Finance, 12(10), 7. https://doi.org/10.17010/ijf/2018/v12i10/ 132491
11. Demirguç-Kunt, A., Pedraza, A., & Ruiz-Ortega, C. (2021). Banking sector performance during the COVID-19 crisis. Journal of Banking and Finance, August. https://doi.org/10.1016/j.jbankfin.2021.106305
12. G. Banoth and D. Sreeramulu, (2024) “Evaluation of the financial performance of public and private sector banks: CAMELS principles,” International Journal of Management Research & Review (IJMRR), vol. 14, no. 6, pp. 24–45, Aug. 2024.
13. Khan, M. A., Roy, P., Siddiqui, S., & Alakkas, A. A. (2021). Systemic Risk Assessment: Aggregated and Disaggregated Analysis on Selected Indian Banks. Complexity, 2021, 1–14, https://doi.org/10.1155/2021/8360778
14. Kinjal D. Vaghasiya and Preeti Mishra (2026), “The financial performance of Indian banks in both the public and private sectors,” International Journal of Drug Delivery Technology (IJDDT), vol. 16, no. 34S, 2026.
15. A. Madhavi Latha (2023), “A comparative study of financial performance of public and private sector bank in India,” International Journal of Management (IJM), vol. 14, no. 6, pp. 1–8, Sep.–Oct. 2023.
16. M. Mubarak (2021), “An assessment of financial stability of select public and private sector banks,” Aug. 2021.
17. P. Tamilselvan & S. Sunil (2022), “A Study on Real Esate Investors Perferences towards investment and business”, International Journal on Global Business Management and Research, Vol.11, Issue 1, March 2022, pp14-19.
18. S. Sarkar and D. Rakshit (2021), “Factors influencing the performance of commercial banks: A dynamic panel study on India,” FIIB Business Review, 2021, doi: 10.1177/23197145211021564.
19. Sheetal (2023), “Importance and significance of financial performance analysis of Indian banks,” EDU Journal of International Affairs and Research (EJIAR), vol. 2, no. 1, 2023.
20. S. Tamilarasu and K. Srinivasan (2022), “A study on financial performance analysis of selected public and private sector banks,” International Journal of Creative Research Thoughts (IJCRT), vol. 10, no. 4, Apr. 2022, ISSN 2320-2882, Art. no. IJCRT2204543.
2. Athanasoglou, Brissimis, P. and, Delis, S. and, & Matthaios. (2005). Munich Personal RePEc Archive Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Digitalcommons.Iwu.Edu,32026. https://digital commons.iwu.edu/uer/vol7/iss1/2
3. Ayomi, S., Sofilda, E., Hamzah, M. Z., & Ginting, A. M. (2021). The impact of monetary policy and bank competition on banking industry risk: A default analysis. Banks and Bank Systems, 16(1), 205–215. https://doi.org/10.21511/bbs.16(1).2021.18
4. Bajaj, R., & Anshu. (2020). A study on Factors affecting financial performance of Indian Banking Sector. Journal of Business Management and Information Systems, 7(2), 9–16. https://doi.org/10.48001/ jbmis.2021.0702002
5. Banking Sector in India: Market Size, Industry Analysis, Govt Initiatives IBEF. (n.d.). Retrieved April 28, 2021, from https://www.ibef.org/industry/banking-india.aspx
6. Bawa, J. K., Goyal, V., Mitra, S. K., & Basu, S. (2019). An analysis of NPAs of Indian banks: Using a comprehensive framework of 31 financial ratios. IIMB Management Review, 31(1), 51–62. https://doi.org/10.1016/j.iimb.2018.08.004
7. Bobade, P., & Alex, A. (2020). Study the Effect of Covid-19 in Indian Banking Sector. Global Business School & Research Centre, 5, 179–184.
8. Brahmaiah, B., & Ranajee, (2018). Factors Influencing Profitability of Banks in India. Theoretical Economics Letters, 08(14), 3046–3061. https://doi.org/10.4236/tel.2018.814189
9. Buch, C., & Drages, B. G. (2018). Structural changes in banking after the crisis. In CGFS Papers (Issue 60). https://www.bis.org/publ/cgfs60.pdf
10. Budhedeo, S. H., & Pandya, N. P. (2018). Financial Performance of Public Sector Banks in India: A Post Reform Analysis.Indian Journal of Finance, 12(10), 7. https://doi.org/10.17010/ijf/2018/v12i10/ 132491
11. Demirguç-Kunt, A., Pedraza, A., & Ruiz-Ortega, C. (2021). Banking sector performance during the COVID-19 crisis. Journal of Banking and Finance, August. https://doi.org/10.1016/j.jbankfin.2021.106305
12. G. Banoth and D. Sreeramulu, (2024) “Evaluation of the financial performance of public and private sector banks: CAMELS principles,” International Journal of Management Research & Review (IJMRR), vol. 14, no. 6, pp. 24–45, Aug. 2024.
13. Khan, M. A., Roy, P., Siddiqui, S., & Alakkas, A. A. (2021). Systemic Risk Assessment: Aggregated and Disaggregated Analysis on Selected Indian Banks. Complexity, 2021, 1–14, https://doi.org/10.1155/2021/8360778
14. Kinjal D. Vaghasiya and Preeti Mishra (2026), “The financial performance of Indian banks in both the public and private sectors,” International Journal of Drug Delivery Technology (IJDDT), vol. 16, no. 34S, 2026.
15. A. Madhavi Latha (2023), “A comparative study of financial performance of public and private sector bank in India,” International Journal of Management (IJM), vol. 14, no. 6, pp. 1–8, Sep.–Oct. 2023.
16. M. Mubarak (2021), “An assessment of financial stability of select public and private sector banks,” Aug. 2021.
17. P. Tamilselvan & S. Sunil (2022), “A Study on Real Esate Investors Perferences towards investment and business”, International Journal on Global Business Management and Research, Vol.11, Issue 1, March 2022, pp14-19.
18. S. Sarkar and D. Rakshit (2021), “Factors influencing the performance of commercial banks: A dynamic panel study on India,” FIIB Business Review, 2021, doi: 10.1177/23197145211021564.
19. Sheetal (2023), “Importance and significance of financial performance analysis of Indian banks,” EDU Journal of International Affairs and Research (EJIAR), vol. 2, no. 1, 2023.
20. S. Tamilarasu and K. Srinivasan (2022), “A study on financial performance analysis of selected public and private sector banks,” International Journal of Creative Research Thoughts (IJCRT), vol. 10, no. 4, Apr. 2022, ISSN 2320-2882, Art. no. IJCRT2204543.
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