• Mr. Vinay Jadhav
• Dr. Preeti Shrivastava
• Dr. Deepti Maheshwari

The Bank came from a French word 'Banque' which means bench. The Jews were believed to be early bankers, who handed to transact business over the benches inside the market. A bank is a financial instrument that accepts all the deposits and it plays a vital role in the marketing. There are various factors such as operational and managerial effectiveness, service quality, customer satisfaction is the important indicator to observed the performance of a bank. The efficiency with which a bank deploys its total resources to optimize its net profits and thus serve as an index to the degree of asset utilization and managerial effectiveness. This study attempts to measure the financial performance of Punjab National Bank. This study based on secondary data where different ratios have been applied to evaluate the financial performance of the bank.

Cash, Axis Bank, Punjab National Bank

"A study of ratio analysis of Axis bank and Punjab national bank in India ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 10, page no.c461-c473, October-2022, Available :http://www.jetir.org/papers/JETIR2210259.pdf

"A study of ratio analysis of Axis bank and Punjab national bank in India ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 10, page no. ppc461-c473, October-2022, Available at : http://www.jetir.org/papers/JETIR2210259.pdf