A STUDY ON FINANCIAL STATEMENT ANALYSIS AT HDFC BANK

Abstract

This study aims to analyze the financial performance of HDFC Bank Ltd. through a detailed examination of its financial statements over a five-year period from 2020 to 2025. The analysis focuses on key components such as the Comparative Balance Sheet, Trend Analysis, and essential financial indicators including capital, reserves, deposits, borrowings, advances, and investments.The purpose of the study is to evaluate the bank’s financial stability, profitability, and growth by understanding year-over-year changes in its assets and liabilities. The findings highlight that HDFC Bank has consistently shown strong growth in deposits and advances, effective capital utilization, and a robust increase in reserves and surplus. A significant rise in total assets and borrowings in the financial year 2025 suggests an aggressive expansion strategy backed by solid capital planning.Through this study, it is observed that HDFC Bank maintains a sound financial position, with increasing net profits, growing customer base, and efficient fund management. The overall financial statement analysis reveals that the bank is not only stable but is also expanding rapidly, securing its place as one of the most successful and trusted private sector banks in India.