Comparative Analysis of Financial Statements: PNB Bank vs. HDFC Bank

This research paper presents a comparative analysis of the financial performance of two major Indian banks, Punjab National Bank (PNB) and HDFC Bank. PNB represents the public banking sector while HDFC is a prominent private sector bank. By analysing key financial indicators over a five-year period, this study evaluates each bank’s operational efficiency, asset quality, and profitability. The study concludes that while PNB excels in market reach due to its extensive branch network, HDFC demonstrates superior financial performance metrics. The findings underscore the differences in operational strategies between public and private sector banks, highlighting areas for strategic improvement.