Risk optimization using business analytics is gaining momentum in India over the last decade. In order to tap this huge opportunity, most of the startups are getting into the analytics field engaging in financial market survey to provide their customers with valid data. The objective of this study is to help “Sai Builders” in solving their portfolio investment problem as well as sinking funds problem using linear programming and to obtain the total optimum returns by satisfying all constraints. The authors solve the problem of minimizing portfolio risk measures. In addition, the expected return of the portfolio is maximized subject to the aforementioned risk measures. By using numerical experiments, they illustrate the impact of these risk measures on portfolio optimization. The analysis is done by using Excel Solver, and the optimum solution is achieved.

The main aim of this paper is to analyse how an organisation or a companys financial performance can be determined using the financial ratios. This research examines the performance of the commercial banking industry from FY 2017 to FY 2021. For the stated time periods, financial statements of Indian banks including SBI, PNB, BOI, HDFC, ICICI, and YES Bank were retrieved from databases including annual reports, EMIS, money control, yahoo finance, and Google finance. A financial ratio is a mathematically defined connection between two accounting data (or simply as a ratio). Ratios aids in the qualitative assessment of the firms financial performance and the summarization of vast amounts of financial data. In this study, financial measures for liquidity, activity, leverage, profitability, and market value will be used to analyse the financial statements of these institutions. For the liquidity test we are using: CR(Current ratio), and QR(Quick ratio). The following metrics were used to determine profitability: NPM (net profit margin), PM (profit margin), ROE (return on shareholder equity), ROA (return on assets). PE ratios and EPS were used to assess market-based activity. KEYWORDS: Performance analysis, financial ratios, Dupont Analysis, Public sector banks, Private sector banks