Assessfy Pvt. Ltd Moderate 4 milestones 50 marks

Profitability and Operational Efficiency of Public Sector Banks

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About this project

Profitability and Operational Efficiency of Public Sector Banks

Objective: Evaluate and compare the profitability and operational efficiency of selected public sector banks in India.

Context: Public sector banks play a pivotal role in India's economy, and assessing their efficiency and profitability is essential for policy reforms and sustainable growth. This analysis supports efforts to strengthen the public banking system amid ongoing sectoral challenges.

What you'll build: You will select 3-4 public sector banks, gather multi-year data from RBI and annual reports, and use MS Excel or Google Sheets for ratio analysis and trend graphing. The project focuses on comparing year-wise profitability and efficiency, identifying patterns, and suggesting practical reforms based on key banking KPIs and metrics.

Deliverables: A report with data tables, trend graphs, and reform suggestions to enhance public sector bank performance.

Milestones

1. Select 3â€“4 PSBs

10 marks 7d

Identify and list 3-4 specific public sector banks (PSBs) in India. Submit a table with each bank's name, brief background, and rationale for selection based on size, reach, or recent performance. Ensure your selection enables meaningful comparative analysis in subsequent milestones.

2. Evaluate using profitability and efficiency ratios

10 marks 7d

Collect recent financial data (last 3-5 years) for your selected PSBs and calculate key profitability (e.g., ROA, ROE, NIM) and efficiency (e.g., Cost-to-Income, NPA ratios) metrics. Present your calculations in a clear table, citing data sources. Double-check accuracy and completeness for all banks and ratios.

3. Compare year-wise trends

15 marks 7d

Create line graphs or tables to visualize and compare year-wise trends for each calculated ratio across your selected PSBs. Highlight notable patterns or anomalies in the data. Ensure your submission clearly distinguishes each bank and ratio, with concise captions or commentary interpreting the trends.

4. Suggest reforms

15 marks 9d

Based on your analysis, write 2-3 actionable reform recommendations for improving profitability and operational efficiency in PSBs. Support each suggestion with evidence from your findings, referencing specific ratios or trends. Recommendations should be practical and tailored to the challenges identified in your data.

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Upcoming sessions

Session	Window	Enrolled
Profitability and Operational Efficiency of Public Sector...	11 Jun 2026 to 10 Jun 2028	0

Skills you'll learn

data-start="1016" data-end="1057"> Financial analysis and interpretationdata-start="1058" data-end="1099"> Knowledge of banking KPIs and metricsdata-start="1100" data-end="1134"> Data collection and tabulationdata-start="1135" data-end="1178"> Report writing and analytical reasoningdata-start="1179" data-end="1203"> Spreadsheet modelingdata-start="1204" data-end="1245"> Visualization and presentation skills

Tools used

MS Excel / Google Sheets – For data analysis and graphing RBI Reports / Bank Annual Reports – Primary data sources MoneyControl / Screener.in – For quick financial comparisons Optional: Power BI / Tableau – Visual dashboards and trend analysis

Prerequisites

Basics of Indian banking structure and PSB operations Understanding of financial statements (Profit & LossBalance Sheet) Familiarity with key banking ratios: Return on Assets (ROA) Return on Equity (ROE) Net Interest Margin (NIM) Cost-to-Income Ratio Gross and Net NPA ratios Awareness of RBI norms and recent banking sector reforms

Available mentors

Priyang Kumar

Free

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