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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM66521

A STUDY ON THE FINANCIAL PERFORMANCE ANALYSIS OF COMMERCIAL BANKS WITH REFERENCE TO HDFC BANK

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM66521

Volume:

10 |

8 |

Aug 2026

Pages:

1-4

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/IJSREM66521

License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.

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Authors

BCK

BHAGARI CHANDRA KANTH

Master of Business Administration

Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad

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Mentors

DSMV

Dr Shaik Mastan Vali

Associate Professor Dept of MBA,

Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad – 501 401

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Abstract

Financial performance analysis helps evaluate the profitability, liquidity, solvency, and operational efficiency of banks. This study examines the financial performance of HDFC Bank using key financial indicators and customer perceptions. The findings indicate that sound financial management, effective risk control, technological innovation, and efficient resource utilization have contributed to the bank's sustained growth and financial stability in the competitive banking sector.

KEYWORDS

Financial Performance HDFC Bank Commercial Banks Profitability Liquidity Operational Efficiency.

Cite This Article

BHAGARI CHANDRA KANTH, Dr Shaik Mastan Vali, "A STUDY ON THE FINANCIAL PERFORMANCE ANALYSIS OF COMMERCIAL BANKS WITH REFERENCE TO HDFC BANK," International Journal of Scientific Research in Engineering and Management, vol. 10, no. 8, pp. 1-4, Aug 2026. https://doi.org/10.55041/IJSREM66521

Full Article/Conclusion

The study concludes that HDFC Bank has consistently demonstrated strong financial performance through effective financial management, operational efficiency, and customer-oriented banking services. Stable profitability, adequate liquidity, sound asset quality, and prudent risk management have enabled the bank to maintain its leadership position in the Indian banking sector. Continuous innovation, strategic planning, and technology adoption are expected to further enhance financial sustainability and support the bank's long-term growth objectives.  

References

1.                Berger, A. N., & Humphrey, D. B. (1997). Efficiency of financial institutions: International survey and directions for future research. European Journal of Operational Research, 98(2), 175–212. 2.                Brissimis, S. N., Delis, M. D., & Athanasoglou, P. P. (2005). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of Financial Services Research. 3.                HDFC Bank. (2024). Annual Report 2023–24. Mumbai: HDFC Bank Ltd. 4.                Reserve Bank of India. (2024). Report on Trend and Progress of Banking in India 2023–24. 5.                Molyneux, P., & Thornton, J. (1992). Determinants of European bank profitability. Journal of Banking and Finance, 16(6), 1173–1178. 6.                Prasad, V., & Reddy, K. (2021). Digital transformation and financial performance in commercial banks. International Journal of Banking Research, 13(2), 58–70. 7.                Rao, P., & Verma, R. (2023). Financial sustainability and performance management in private sector banks. Indian Journal of Finance, 17(4), 34–46.  

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Publication Date

9/5/2026

Peer Review Type

Double-Blind Peer Review

Review Rounds: 2

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Conflict of Interest

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