FINANCIAL PERFORMANCE: A COMPARATIVE ANALYSIS STUDY OF PNB AND HDFC BANK

ABSTRACT

                                Bank is back bone of an economy’s financial system. Financial inclusion is the main need of an economy. Banks and others financial institutions play paramount role in financial inclusion of an economy of country. Today’s globalised economies, banks are safe source of finance to individual and corporations. The knowledge of financial performance helps, to decision makers, in predicting, comparing, and evaluating the earning ability of company. Company provides financial information through annual reports and financial bulletin. A company’s financial performance can be determined by evaluating and analyzing the data provided in its annual reports and financial bulletin. This research study is descriptive and analytical in nature. The data use for this study is entirely secondary in nature. In this study, financial performance of PNB and HDFC Bank is evaluates and compare. The study shows PNB face the problems to generate the income and NPAs of PNB is increasing. The study shows that the financial performance of HDFC Bank is better than PNB.

KEYWORDS:  Capital Adequacy Ratio, Credit Deposit Ratio, Net Profit, NPAs, Return on Average Assets.