A Trend Analysis of Financial Performance of Three Banks: Impact of Lockdown on their Profitability & Liquidity and Relationship Between their Profitability & Share Prices A Case Study of HDFC Bank, Kotak Mahindra Bank & RBL Bank

Abstract

There are a large number of Public Sector & Private Sector Banks operating in India under the regulatory control of the Reserve Bank Of India. Banks are the Institutions with which all of us are connected in some way or the other. In the last ten years there has been lots of changes in the banking sector including implementation of the Jan Dhan Yojana and the DBT (Direct Benefit Transfer) Scheme and the impact of monetisation. In this article a very simple and easy to understand study has been made about the comparative performance of three banks in the private sector by trend analysis of 5 years data. An effort has also been made to study the impact of lockdown during covid-19 Pandemic on the profitability and liquidity ratios of the selected banks. The relationship between the profitability and share prices of these banks has also been studied and highlighted.