Table of Contents:
1. Introduction
2. Objectives
3. Methodology
4. Bank Profiles
5. Comparative Financial Analysis
6. Interpretation
7. Conclusion & Findings
8. Bibliography / References
1. Introduction
The banking sector is a crucial component of India's
economy, supporting growth through credit, deposits, and
financial services. Among the various types of banks,
public and private sector banks differ significantly in
structure, operations, and strategies.
This project presents a comparative analysis of State
Bank of India (SBI), a public sector bank, and HDFC
Bank, a private sector bank. Using financial data from the
last two financial years, the study evaluates key
performance indicators like NPAs, Net Profit, Dividend,
Deposits, Capital Adequacy, and more.
The objective is to understand how these banks perform
under different models and how financial statements can
be interpreted to assess efficiency, profitability, and
financial health.
2. Objective
To analyze and interpret the financial data of SBI and
HDFC to understand their financial health, profitability,
risk, and strategic positioning using real-world data.
3. Methodology
Data Source: Official annual reports from the banks’
websites.
Tools Used: Microsoft Excel for ratio computation
and graph creation.
Time Frame: Financial Year 2022–23 and 2023–24.
Approach: Ratio analysis, trend comparison, and
graphical interpretation.
4. Bank Profiles
🔹 State Bank of India (SBI)
SBI is India’s largest public sector bank, owned by
the Government of India. Established in 1955, it has
an extensive branch network across rural and urban
areas. SBI plays a key role in implementing
government schemes and financial inclusion. It offers
a wide range of services including retail, corporate,
and digital banking.
🔸 HDFC Bank
HDFC Bank is a top private sector bank in India,
established in 1994. Known for its strong digital
presence and customer service, it focuses on retail,
corporate banking, and loan services. With efficient
operations and consistent profitability, it is one of the
most trusted private banks in the country.
SBI FY 22– SBI FY 23– HDFC FY HDFC FY
Parameter 23 24 22–23 23–24
a) NPA % 2.78% 2.24% 1.24% 1.33%
b) Profit
Earning
Ratio 20.37% 21.12% 22.85% 23.40%
c)
Declaration
of Dividend ₹11.30/share ₹13.70/share ₹19.00/share ₹22.00/share
d) Net
Profit (PY
vs CY) ₹50,232 Cr ₹61,077 Cr ₹60,812 Cr ₹67,350 Cr
e) Recovery
of Bad
Debts ₹5,756 Cr ₹6,934 Cr ₹8,415 Cr ₹10,073 Cr
f) Deposits ₹54,29,547 ₹62,56,378 ₹18,23,243 ₹23,05,431
& Advances Cr Cr Cr Cr
g) Statutory
Reserve ₹2,46,313 Cr ₹2,66,154 Cr ₹76,782 Cr ₹85,900 Cr
h) Loans to
NBFCs ₹92,430 Cr ₹98,511 Cr ₹89,700 Cr ₹1,06,900 Cr
SBI FY 22– SBI FY 23– HDFC FY HDFC FY
Parameter 23 24 22–23 23–24
i) Net
Operating ₹1,98,026 ₹2,21,593 ₹1,07,789 ₹1,28,412
Income Cr Cr Cr Cr
j) Net Interest ₹1,44,841 ₹1,59,876 ₹1,24,210
Income Cr Cr ₹86,842 Cr Cr
k) Net
Interest
Margin
(NIM) 3.19% 3.28% 3.61% 3.71%
l) CASA % 42.95% 39.94% 44.44% 34.80%
m) Capital
Adequacy
Ratio (CAR) 13.83% 14.28% 18.90% 19.60%
n) CSR
Expenses ₹327 Cr ₹316.76 Cr ₹234 Cr ₹248 Cr
o) ₹15,17,693 ₹15,85,477 ₹4,87,150 ₹5,18,930
Investments Cr Cr Cr Cr
Retail,
Retail, Corporate,
Retail, Retail, Corporate, Cards,
p) Bank Corporate, Corporate, Cards, Fintech,
Products Agri, Digital Agri, Digital Investment Wealth