• PIYUSHKUMAR BALUBHAI PATEL
• PROF. DR. KAILASH P. DAMOR

ABSTRACT The banking Sector is very important for national economy and developing countries. It is important to understand all aspects of the banking industry to provide guidance in policy making. In this study, we compared the performance of Top Bank in public and private sector i.e. State Bank of India and HDFC Bank in the following areas; return on assets, return on equity, asset quality, capital adequacy, efficiency of management, profitability performance, liquidity and bank size, 2018-19 to 2022-23 data. We found many differences in the comparison between the two banks. It should be noted that this research is for educational purposes. This research paper presents a comparative analysis of the financial performance of two leading banks in the Indian banking sector, State Bank of India (SBI) and HDFC Bank. The study focuses on evaluating their performance across key financial indicators, including Return on Assets (ROA), Return on Equity (ROE), Capital Adequacy (CA), Asset Quality (AQ), Management Efficiency (ME), Earnings Performance (EP), Liquidity (LIQ), and Size. Using financial data spanning a specific time period, the research employs a quantitative approach to assess the banks' financial strengths and weaknesses. The analysis reveals that HDFC Bank has consistently outperformed SBI across several metrics. Through a systematic review of available literature, financial reports, and industry analyses, the paper sheds light on how HDFC Bank and SBI have navigated the dynamic landscape of the Indian banking sector, addressing challenges and leveraging opportunities. The analysis considers aspects such as asset quality, profitability, innovation in services, risk management, and customer satisfaction. By synthesizing this information, the paper provides insights into the distinct strategies employed by HDFC Bank and SBI to sustain growth, manage risks, and enhance their market presence. The research contributes to a comprehensive understanding of the Indian banking industry's evolution and offers valuable insights for policymakers, investors, and stakeholders keen on grasping the trajectories of these influential financial institutions. This study's findings underline the significant variations in financial performance between SBI and HDFC Bank, with HDFC Bank consistently displaying stronger performance across various key indicators. The implications of these findings extend to the strategic decision-making processes of both banks, suggesting potential areas for improvement for SBI to compete effectively in the evolving banking landscape.

Financial Performance, bank type, CAMEL, Bank, India, State Bank of India, SBI, HDFC Bank.

"ANALYZING FINANCIAL PERFORMANCE A COMPARATIVE STUDY OF STATE BANK OF INDIA AND HDFC BANK", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 8, page no.g63-g75, August-2023, Available :http://www.jetir.org/papers/JETIR2308608.pdf

"ANALYZING FINANCIAL PERFORMANCE A COMPARATIVE STUDY OF STATE BANK OF INDIA AND HDFC BANK", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 8, page no. ppg63-g75, August-2023, Available at : http://www.jetir.org/papers/JETIR2308608.pdf