Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited

Sanjib Kumar Pakira

doi:doi:10.11648/j.ajtab.20160201.11

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Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited

Sanjib Kumar Pakira

Published in American Journal of Theoretical and Applied Business (Volume 2, Issue 1)

Received: 21 December 2015 Accepted: 29 December 2015 Published: 19 February 2016

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Abstract

The paper compares the growth performance of SBI and HDFC Bank in terms of affiliation and association between earnings and growth performance indicators for the period from 2005-06 to 2014-15 using secondary data with the application of descriptive methods of statistical analysis including multiple regressions. In view of the fact that the growth performance of the banking sector is straightforwardly connected to the economy but it is estimated to have slow down remarkably because of ongoing crisis in Europe and economic slowdown in the United States. Hence the research paper is an effort to study the Growth rate in SBI and HDFC Bank limited as both the banks are giant banks in public and private sector, so a Comparative study of Growth analysis of both the banks for a period of 10 years is made. The main parameters of growth in banks are Reserve and Surplus growth (RES), Advance growth (ADV), Investment growth (INV), Interest Earned growth (IE), Operating Expenses growth (OE), Equity Dividend growth (ED), Net profit growth (NP) and EPS growth (EPS) and Descriptive statistics shows that the growth performance of HDFC bank is very pleasing than SBI during the period under study and the multiple regression test results reveal that in terms of the parameters defined HDFC Bank has performed much better than SBI Bank.

Published in	American Journal of Theoretical and Applied Business (Volume 2, Issue 1)
DOI	10.11648/j.ajtab.20160201.11
Page(s)	1-7
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2016. Published by Science Publishing Group

Keywords

Growth, Banks, SBI, HDFC Bank, Descriptive Statistics, Multiple Regressions

References

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[2]	Pathak, B. V. (2011). The Indian Financial System: Market, Institution and Services. Pearson, New Delhi p-49.
[3]	IBEF (2013). The Indian Banking Sector: Recent Developments, Growth and Prospects. 1-17, retrieved from http://www.ibef.org/download/Banking-Sector-04jan.pdf.
[4]	KPMG (2013). Indian banks: Performance benchmarking report. P-112. http://www.kpmg.com/IN/en/IssuesAndInsights/ArticlesPublications/Documents/performance-benchmarking-report-12-new.pdf.
[5]	Panda J. and Lall G. S. (1991). A Critical Appraisal on the Profitability of Commercial Banks," Indian Journal of Banking and Finance, 5(2), 40-44.
[6]	Ram Mohan T. T. and Ray S. C. (2004). Productivity Growth and Efficiency in Indian Banking: A Comparison of Public, Private, and Foreign Banks. University of Connecticut, Economics Working Papers No. 2004-27, p-3.
[7]	Kumar T. S. (2006). Leveraging Technology Foreign Banks Financial Inclusion. Bankers Conference Proceedings. 44-152.
[8]	Venkatesan, S. (2007). Banking Industry Vision 2010. IBA Bulletin. 2(1), 33-37.
[9]	Bennaceur, S. and Goaied, M. (2008). Determinants of Commercial Bank Interest Margin and Profitability: Evidence from Tunisia. Frontiers in Finance and Economics. 5(1), 432-56.
[10]	Kosmidou, K. (2008). The Determinants of Banks' Profits in Greece during the period of EU Financial Integration. Management Finance, 34(3), 146-159.
[11]	Manoj P. K. (2010), Determinants of Profitability and Efficiency of Old Private Sector Banks in India with Focus on the Banks in Kerala State. International Research Journal of Finance and Economics, 47, 7-20.
[12]	Ghosh, Saibal. (2010). Credit Growth, Bank Soundness and Financial Fragility, Evidence from Indian Banking Sector, Munich Personal RePEc Archive, MPRA Paper No. 24715.
[13]	Anjum and Deepika (2012). Technological Implementation-Path of Growth: A Comparative Study of Public and Private Sector Banks. Asia Pacific Journal of Marketing and Management Review, 1(1), 24-39.
[14]	Ayyappan and Sakthivadivel. (2012). Growth and Trend Analysis of Key Profitability Factors in Indian Scheduled Commercial Banks. Journal of Research, 1(9), 49-58.

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APA Style

Sanjib Kumar Pakira. (2016). Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited. American Journal of Theoretical and Applied Business, 2(1), 1-7. https://doi.org/10.11648/j.ajtab.20160201.11

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ACS Style

Sanjib Kumar Pakira. Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited. Am. J. Theor. Appl. Bus. 2016, 2(1), 1-7. doi: 10.11648/j.ajtab.20160201.11

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AMA Style

Sanjib Kumar Pakira. Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited. Am J Theor Appl Bus. 2016;2(1):1-7. doi: 10.11648/j.ajtab.20160201.11

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@article{10.11648/j.ajtab.20160201.11,
  author = {Sanjib Kumar Pakira},
  title = {Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited},
  journal = {American Journal of Theoretical and Applied Business},
  volume = {2},
  number = {1},
  pages = {1-7},
  doi = {10.11648/j.ajtab.20160201.11},
  url = {https://doi.org/10.11648/j.ajtab.20160201.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ajtab.20160201.11},
  abstract = {The paper compares the growth performance of SBI and HDFC Bank in terms of affiliation and association between earnings and growth performance indicators for the period from 2005-06 to 2014-15 using secondary data with the application of descriptive methods of statistical analysis including multiple regressions. In view of the fact that the growth performance of the banking sector is straightforwardly connected to the economy but it is estimated to have slow down remarkably because of ongoing crisis in Europe and economic slowdown in the United States. Hence the research paper is an effort to study the Growth rate in SBI and HDFC Bank limited as both the banks are giant banks in public and private sector, so a Comparative study of Growth analysis of both the banks for a period of 10 years is made. The main parameters of growth in banks are Reserve and Surplus growth (RES), Advance growth (ADV), Investment growth (INV), Interest Earned growth (IE), Operating Expenses growth (OE), Equity Dividend growth (ED), Net profit growth (NP) and EPS growth (EPS) and Descriptive statistics shows that the growth performance of HDFC bank is very pleasing than SBI during the period under study and the multiple regression test results reveal that in terms of the parameters defined HDFC Bank has performed much better than SBI Bank.},
 year = {2016}
}

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TY  - JOUR
T1  - Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited
AU  - Sanjib Kumar Pakira
Y1  - 2016/02/19
PY  - 2016
N1  - https://doi.org/10.11648/j.ajtab.20160201.11
DO  - 10.11648/j.ajtab.20160201.11
T2  - American Journal of Theoretical and Applied Business
JF  - American Journal of Theoretical and Applied Business
JO  - American Journal of Theoretical and Applied Business
SP  - 1
EP  - 7
PB  - Science Publishing Group
SN  - 2469-7842
UR  - https://doi.org/10.11648/j.ajtab.20160201.11
AB  - The paper compares the growth performance of SBI and HDFC Bank in terms of affiliation and association between earnings and growth performance indicators for the period from 2005-06 to 2014-15 using secondary data with the application of descriptive methods of statistical analysis including multiple regressions. In view of the fact that the growth performance of the banking sector is straightforwardly connected to the economy but it is estimated to have slow down remarkably because of ongoing crisis in Europe and economic slowdown in the United States. Hence the research paper is an effort to study the Growth rate in SBI and HDFC Bank limited as both the banks are giant banks in public and private sector, so a Comparative study of Growth analysis of both the banks for a period of 10 years is made. The main parameters of growth in banks are Reserve and Surplus growth (RES), Advance growth (ADV), Investment growth (INV), Interest Earned growth (IE), Operating Expenses growth (OE), Equity Dividend growth (ED), Net profit growth (NP) and EPS growth (EPS) and Descriptive statistics shows that the growth performance of HDFC bank is very pleasing than SBI during the period under study and the multiple regression test results reveal that in terms of the parameters defined HDFC Bank has performed much better than SBI Bank.
VL  - 2
IS  - 1
ER  -

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Author Information

Sanjib Kumar Pakira

Department of Commerce, Maharaja Manindra Chandra College20, Shyambazar, Kolkata

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APA Style

Sanjib Kumar Pakira. (2016). Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited. American Journal of Theoretical and Applied Business, 2(1), 1-7. https://doi.org/10.11648/j.ajtab.20160201.11

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ACS Style

Sanjib Kumar Pakira. Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited. Am. J. Theor. Appl. Bus. 2016, 2(1), 1-7. doi: 10.11648/j.ajtab.20160201.11

Copy | Download

AMA Style

Sanjib Kumar Pakira. Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited. Am J Theor Appl Bus. 2016;2(1):1-7. doi: 10.11648/j.ajtab.20160201.11

Copy | Download

@article{10.11648/j.ajtab.20160201.11,
  author = {Sanjib Kumar Pakira},
  title = {Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited},
  journal = {American Journal of Theoretical and Applied Business},
  volume = {2},
  number = {1},
  pages = {1-7},
  doi = {10.11648/j.ajtab.20160201.11},
  url = {https://doi.org/10.11648/j.ajtab.20160201.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ajtab.20160201.11},
  abstract = {The paper compares the growth performance of SBI and HDFC Bank in terms of affiliation and association between earnings and growth performance indicators for the period from 2005-06 to 2014-15 using secondary data with the application of descriptive methods of statistical analysis including multiple regressions. In view of the fact that the growth performance of the banking sector is straightforwardly connected to the economy but it is estimated to have slow down remarkably because of ongoing crisis in Europe and economic slowdown in the United States. Hence the research paper is an effort to study the Growth rate in SBI and HDFC Bank limited as both the banks are giant banks in public and private sector, so a Comparative study of Growth analysis of both the banks for a period of 10 years is made. The main parameters of growth in banks are Reserve and Surplus growth (RES), Advance growth (ADV), Investment growth (INV), Interest Earned growth (IE), Operating Expenses growth (OE), Equity Dividend growth (ED), Net profit growth (NP) and EPS growth (EPS) and Descriptive statistics shows that the growth performance of HDFC bank is very pleasing than SBI during the period under study and the multiple regression test results reveal that in terms of the parameters defined HDFC Bank has performed much better than SBI Bank.},
 year = {2016}
}

Copy | Download

TY  - JOUR
T1  - Growth Performance Analysis - A Comparative Study Between SBI and HDFC Bank Limited
AU  - Sanjib Kumar Pakira
Y1  - 2016/02/19
PY  - 2016
N1  - https://doi.org/10.11648/j.ajtab.20160201.11
DO  - 10.11648/j.ajtab.20160201.11
T2  - American Journal of Theoretical and Applied Business
JF  - American Journal of Theoretical and Applied Business
JO  - American Journal of Theoretical and Applied Business
SP  - 1
EP  - 7
PB  - Science Publishing Group
SN  - 2469-7842
UR  - https://doi.org/10.11648/j.ajtab.20160201.11
AB  - The paper compares the growth performance of SBI and HDFC Bank in terms of affiliation and association between earnings and growth performance indicators for the period from 2005-06 to 2014-15 using secondary data with the application of descriptive methods of statistical analysis including multiple regressions. In view of the fact that the growth performance of the banking sector is straightforwardly connected to the economy but it is estimated to have slow down remarkably because of ongoing crisis in Europe and economic slowdown in the United States. Hence the research paper is an effort to study the Growth rate in SBI and HDFC Bank limited as both the banks are giant banks in public and private sector, so a Comparative study of Growth analysis of both the banks for a period of 10 years is made. The main parameters of growth in banks are Reserve and Surplus growth (RES), Advance growth (ADV), Investment growth (INV), Interest Earned growth (IE), Operating Expenses growth (OE), Equity Dividend growth (ED), Net profit growth (NP) and EPS growth (EPS) and Descriptive statistics shows that the growth performance of HDFC bank is very pleasing than SBI during the period under study and the multiple regression test results reveal that in terms of the parameters defined HDFC Bank has performed much better than SBI Bank.
VL  - 2
IS  - 1
ER  -

Copy | Download