2024, Vol. 7, Issue 1

author(s)
Savita Lathwal and Dr. Krishan K Boora

abstract
The banking industry is the most consequential contributor to a country's economic development and progress. The author was motivated to investigate the resilience of India's public sector banking system by the current financial crisis in the United States and Europe. The Capital Adequacy Ratio is a key indicator of a bank's ability to withstand economic downturns. In this study, we examine the CAR to know how well India's public sector banks can weather economic storms. Using data from the previous five years (2019-2023), this investigation focused on Indian public sector banks. Findings show that India's PSBs have a high capability for resilience since their capital adequacy ratios consistently exceed international capital criteria.