FUNDAMENTAL AND TECHNICAL ANALYSIS OF HDFC BANK

Abstract

Financial performance is the process of determining how well a corporation uses its assets from its principal method of operation to generate revenue. The Housing Development Finance Corporation was one of the first banks to get Reserve Bank of India's 'in principle' clearance to open a private sector bank. The bank now has an impressive branch network of over 4,805 locations across India. The study analyzed HDFC's secondary data for five years, with the main goal of determining the bank's performance ratios, which can be useful in determining the bank's growth prospects. For the analysis, different techniques such as the Return on Assets ratio, Net Interest Margin, and other performance ratios were employed. The major goal of this research is to use ratio analysis to assess the HDFC bank's capital sufficiency, asset quality, management efficiency, earnings, and liquidity. The focus of this research is on analysis. Annual reports, websites, books, journals, and magazines are all sources of secondary data. The research spans five years, from 2018 to 2022. The aim of this study is to see if HDFC BANK is functioning well year after year or if it is falling short. Financial Analysis of Bank Financial Statements can be utilized to assess performance. The goal of this project is to assess HDFC BANK's performance. Its main goal is to learn about the numerous aspects that can aid in the evaluation process. It has been attempted to figure out why it's missing or what's causing it. It has been also tried to identify scope for improvement. The ideas demonstrate that the bank is generating adequate money and profits, but its efficiency in creating profits is restricted. Finally, the Bank is doing well in terms of revenue, which is acceptable.