Published Paper Details:

The banking sector plays a vital role in the economic development of a country, and financial performance evaluation is essential for assessing the efficiency, profitability, and sustainability of banks. This study focuses on the financial performance of HDFC Bank, one of India's leading private sector banks, using the DuPont Analysis framework. The DuPont model disaggregates Return on Equity (ROE) into three key components--Net Profit Margin, Asset Turnover, and Equity Multiplier--thereby providing deeper insights into the underlying drivers of profitability. The research is based on secondary data collected from annual reports and financial statements of HDFC Bank over a selected period. Ratios such as ROE, ROA, Net Profit Margin, and Leverage are analyzed to identify trends and evaluate the bank's operational efficiency and financial stability. The findings reveal that HDFC Bank has maintained consistent profitability, strong asset utilization, and efficient leverage management, which together contribute to its robust ROE performance. This study not only highlights the financial strengths of HDFC Bank but also demonstrates the usefulness of DuPont Analysis as a comprehensive tool for stakeholders, investors, and policymakers in evaluating the performance of banking institutions.