From the analysis it has been observed that PNB is comparatively better to earn

From the analysis it has been observed that pnb is

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by PNB and HDFC differs significantly and according. From the analysis it has been observed that PNB is comparatively better to earn profit per employee as compare to HDFC Bank during the study period and a significant difference exist in profit per employee among both the banks. Concluding Remarks Bank works in dynamic environment which is affected by many uncontrollable factors. It is difficult to measure the financial performance of bank in the presence of these factors. There is an attempt made to
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International Academic Journal of Business Management, Vol. 5, No. 1, pp. 26-47. 45 evaluate and compare the financial performance of the PNB and HDFC Bank by using different parameters. From the analysis, it can be concluded that the PNB has performed well as compare to HDFC Bank on the sources of growth rate and financial efficiency. PNB plays a vital role in marketing of new type of deposits and advances schemes. However, the bank, by earning at least a nominal profit, have to serve the economy through extension of advances and safeguard the interest of its investors by providing the expected return on their investment in bank. Therefore, the bank has to re-orient its strategies in the light of own strengths and the kind of market in which it operates. Punjab National Bank is the second largest public sector bank whereas HDFC Bank is the private sector bank. The market expansion of PNB is more in comparison to HDFC Bank. PNB enter into the rural market and making more and more customers. PNB also comes up with the new services to attract new customers. Looking at the present scenario and conditions of public sector banks in India mounting NPA’s, amalgamation, diminishing operating efficiency, PNB set an example for other public sector banks. But, HDFC has shown the positive sign of growth and increasing trends in various parameters, it can be gauged that in future HDFC will outperform the PNB in financial performance. By analysis of the financial performance of PNB and HDFC bank it can be concluded that the PNB is financially sound as compare to the HDFC bank. PNB is having more profitability because it enters into the industry as well as in new commercial markets. It is also regularly improving its service quality level. The HDFC bank is also a leader in the private market and it is an equal competitor of the PNB but PNB is performing better because of trustworthiness of people. The study also reveals that HDFC Bank has circulated more advances to the customers as compare to PNB which is a main reason behind the increase in bad debts of HDFC bank. The present study aimed to measure and compare the financial performance of Punjab National Bank and HDFC Bank from 2006-07 to 2015-16. Punjab National Bank is one of the major public sector banks of India which plays an important role in the development of Indian financial system.
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