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@article{206074,
        author = {Khusboo Sharma and DR. ANIRBAN GUPTA and DR. AJAY KUMAR},
        title = {ANALYZING THE IMPACT OF FINANCIAL PERFORMANCE DYNAMICS IN THE INDIAN BANKING SECTOR: EVIDENCE FROM SBI AND HDFC BANK},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {2},
        pages = {541-550},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=206074},
        abstract = {This study focuses on evaluating the financial performance dynamics of State Bank of India and HDFC Bank, representing the public and private banking sector in India. The main focus of the study is to calculate and compare how key financial factors such as profitability, growth, asset, risk management, efficiency, and financial stability impact the overall performance of these banks. The secondary data has been collected from the annual reports of both banks. Also, primary data has been collected through a structured questionnaire to evaluate customer perception regarding financial strength, stability, and overall performance. This study identifies profitability growth, risk efficiency, and stability as independent variables impacting the overall financial performance, which is considered the dependent variable. On the other hand, HDFC bank shows better performance in terms of operational efficiency, lower NPAs, and regular profitability showing effective management practices. This study concluded that while both banks are financially sound, there is a clear variation in their performance dynamics. These findings are useful for investors, customers, and policymakers in understanding and knowing the details strengths of public and private sector banks and informing financial decisions.},
        keywords = {Financial Performance, Banking Sector, State Bank of India, HDFC Bank},
        month = {July},
        }