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- Title
Comparative Financial Performance of HDFC Bank and ICICI Bank.
- Authors
SRINIVAS, KAMATAM; SAROJA, L.
- Abstract
Authors analyze and compare the Financial Performance of HDFC Bank and ICICI Bank and offer suggestions for the improvement of efficiency in select banks. The purpose of analysis of comparative financial performance of the select banks, world-renowned, CAMELS model with ttest is applied. CAMELS stand for Capital Adequacy, Asset Quality, Management, Earning Quality, Liquidity and Sensitivity. The capital adequacy and Tier I capital ratio of ICICI and HDFC bank is more than the Basel Accord. We conclude that both the banks are good with respect capital adequacy because it is above the Basel norms. The efficiency of HDFC Bank management is good because its NPAs are less than 0.5 for the study period from 2003 to 2012. The net profit, operating profit, return on net-worth, spread, liquidity and loans to total assets of HDFC bank has more compared with ICICI bank. Hence HDFC bank earns more profits compared with ICICI bank.
- Subjects
HDFC Bank Ltd.; ICICI Bank Ltd.; FINANCIAL performance
- Publication
Finance India, 2015, Vol 29, Issue 4, p1255
- ISSN
0970-3772
- Publication type
Article