A Comparative Analysis of the Financial Performance of SBI and ICICI Bank

Author(s)	Ms. Arthi K, Dr. Kanagaraj B
Country	India
Abstract	This study presents a comparative analysis of the financial performance of State Bank of India (SBI) and ICICI Bank over a five-year period from 2020-21 to 2024-25. The analysis focuses on key financial indicators such as profitability ratios, liquidity ratios, efficiency ratios, and asset quality parameters to assess the overall financial health and performance trends of both banks. Secondary data collected from annual reports, financial statements, and relevant publications form the basis of the study. The findings highlight significant differences in the financial performance of the two banks, reflecting variations in their operational strategies, risk management practices, and market positioning. The study offers insights that may assist investors, policymakers, and financial analysts in understanding the comparative strengths and weaknesses of SBI and ICICI Bank during the study period. The study is purely based on secondary data collected from the annual reports of the respective banks, their official websites, and other relevant published sources.
Keywords	Key words: Financial performance, Financial Ratios, Financial Indicators, Operational Strategies, Banks
Published In	Volume 7, Issue 6, November-December 2025
Published On	2025-12-04
DOI	https://doi.org/10.36948/ijfmr.2025.v07i06.62608

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