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A Comparative Study of Financial Performance of Banks Using Various Ratios

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About this project

A Comparative Study of Financial Performance of Banks Using Various Ratios

Objective: Conduct a comparative financial performance analysis of selected banks using key financial ratios.

Context: Evaluating bank performance is crucial for investors, regulators, and policymakers in India's dynamic banking sector, where competition and risk profiles vary widely. Such analysis helps identify strengths, weaknesses, and potential risks in both public and private banks.

What you'll build: You will select 3-5 banks, collect three years of financial ratio data from annual reports, and use MS Excel or Google Sheets to calculate and tabulate ratios. Through comparative analysis, you will assess performance trends, generate insights, and perform a risk assessment using financial ratio analysis techniques.

Deliverables: A comprehensive report with tabular comparisons, charts, and key findings on the financial performance and risks of the selected banks.

Milestones

1. Select 3â€“5 banks (public/private)

10 marks 7d

Select 3 to 5 banks, ensuring a mix of public and private sector institutions. Submit a list naming each bank, their type (public/private), and a brief justification (1-2 sentences) for each selection based on size, relevance, or data availability. Acceptance requires clear rationale and diversity in bank types.

2. Collect 3-year ratio data

10 marks 7d

Collect key financial ratios (e.g., ROA, ROE, NIM, CAR, NPA) for each selected bank over the past 3 financial years. Submit a well-organized table or spreadsheet with sources cited for each data point. Data must be complete, accurate, and consistently formatted for all banks and years.

3. Perform comparative analysis

15 marks 7d

Analyze and compare the collected ratios across banks and years, highlighting trends, similarities, and differences. Submit a written comparative analysis (400-600 words) supported by tables or charts. Assessment focuses on clarity of comparison, use of evidence, and identification of significant patterns.

4. Prepare insights and risk assessment

15 marks 9d

Summarize key findings, drawing actionable insights about each bank's financial health and performance. Assess and document potential risks or concerns based on the ratio trends. Submit a concise report (300-500 words) with clear, justified insights and risk evaluations for each bank.

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Upcoming sessions

Session	Window	Enrolled
A Comparative Study of Financial Performance of Banks Usi...	11 Jun 2026 to 10 Jun 2028	0

Skills you'll learn

data-start="774" data-end="802"> Financial Ratio Analysisdata-start="803" data-end="835"> Banking Sector Understandingdata-start="836" data-end="875"> Data Interpretation & Visualizationdata-start="876" data-end="917"> Report Writing & Comparative Analysisdata-start="918" data-end="965"> Spreadsheet Modelling (Excel/Google Sheets)data-start="966" data-end="987"> Critical Thinking

Tools used

MS Excel / Google Sheets – for ratio calculations and tabular comparison Annual Reports & Financial Statements – for data sourcing Web Portals – RBIMoneyControlScreener.inBankBazaar Visualization Tools (Optional) – Power BI / Tableau / Excel Charts

Prerequisites

Basic understanding of banking operations Knowledge of financial statements (balance sheetincome statement) Familiarity with financial ratios (ROAROENPA ratioCARCRARetc.) Awareness of regulatory guidelines (RBI normsBasel III)

Available mentors

Priyang Kumar

Free

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