Kachel ASwamy

52

Dte Biz Stafisis

 NTRODEIO
HorcBonk fallo undes the dotain o
kinanial Senices industr y:
he inan cdal seces ddormain ncompaddes
C wido o unchors , actitied, and
pHOcedsuitin thu inane indutry t lncludes
kinaning unctiond , bugeany ncioa tiak
and los marageu
inanial Manlgemnt , "ais k_ and.
Many mate asb ciated unctors
inanial insthuhors play crudal4ole in
Ldonain uith vioud UKe
CoMMed cl barks miane bAokeyysto ck btokes
pivate frs,
verlhune capitad to
land andy , contri buiaq the
tironal seices

he fnancal setica domainaduancemerla

faces chalnges
Such

wolue
napid
agidatu pedy cyponsen,
heats and
charngng cxpectatoRa
which nanda d nsitutons need
adruss thuie in he digital
 Haaihionay: insial souiLesSuch ongemeaes
as lle iutance
genexal inatarlcey ha inanLe aset manageMl
Ailail Barking ,wtaled ale banking g and iastnet
barlkig
The uoent sends nte Anonial SedLes
indusiy
i witrushin4 gouing compehhion due
to entat nd oss se co
biadihonal
to nnauate to Kesjs
Mauketplace
Customen Expeiene : A youngen deoguo,phies demond
MoHe digital expekiene and cónvenience
on enhaning
to Met 'ustoeh cipedationg
lland

Techaolegical diahutbanes. the tianial seHiced

seehn A cuperiening apid kchnolagic.al distphan
diing the
strate glcally in tehiology tolputt costs , ace elat ate
Heuense, en hanee custom Cxpesience , and erdune seuity.
and complianLe
 HDFC BHN
HOFC Bark, one
Darlea, was etable ndias leaclinauivale
in 14q 4 the
bexaliztorl the courys barnking secha'
te banka budines
qhilo' aphy
oun cate values i Dpenatonad Excellnce, us torte
on

D s,Podud Icacleship, and people.

awde anege
ond seHiced indudtng
finaniad
|iaulaace , Mutual qund,seilied, andL crecl d.

the standatd deidton,torelation and ugasdAloa

the gi vn data.
 METHODOLOGY &
Dada lollechon :Tnkoaton about HDEL Bank wwad
kaken dlent stA penplexihy aiy Chat pt and
oneyconhol,ikipedia ek.
ntipactatian : Ihe sala and phaft oLAcOsis
HDELtent Bonk
has besn Inouaiag eren

Calalatn : tae adhad to caltulate standaxd

deiotian wil be using
Standand deiahon

2-The Method

Jnsda(a da)ndi-ay
OA1A BASE DESCRIlTION 9

Tuo data sets hae been taken aom

20 $14to y 2023 otich ate not salas
nd yean int ocrares
aft o the belen (E).
databale
the nalatonahip
Bonk be kguud toough
corelahon and nesdionanalysta thoe ete
to tul o s 0 ob'scuatioa
data seta are a toloud i
Yeas Ln co meMoM otal Ltenest
(Maach uetnta E
aned
20 1g4 9036 4I135
20 1s 10 705 48 464
2016 14120 6o 22)
2017 15944 64305
2018 l6 222 80 241
2014 |4 497 16547
2025 20633 138 D13
202 23214 146063
2022 26046 151263
2023 3131 14280D
 Stan dasd Deviahon Calalahon
lncoMe froM Total lntereat| da
nveatant latned Ja-A)
4036 - Z86 34106 5163859%|152921923k
(o 705 48469 -5512 -31772 30437239|004454 94
14120 G022) - 2102 -20020 4413404 oo3004D
69305 - 273 -lb936112 84 i19596096|
A I6 222 S0241
14997 IL6597 3215 36356 42506251321153734
20633 38013 441 57832 |4456421|334454024
23214 46063 6492 922
488830444g3253563h
26046 152263 4 824 77022 |465!0a76l6432 3$94S4
3131 J9280D 150842559 2161149.1||26 <9 528*a1
Total 184228 25.00 8 184425 493356o80|401863 61555
2 da' 493356080
1dr: 25008
N l0 => No o
Obqsevationd.
4933560R0.

Tn=49335608 -62540D0.64

Jas03140734
L:656 36.58 appMox 65637
2}standaH d N

Scy l407863 61555

N o) No ObseHyafona
18492s

Cy :14078636155.S36071SoS6.2S

iye Ji37114210 49.3

y 21712 3.52approx A124

The standad desiaion lo ie hcome lrom nwatrut

Cs 65637 Cappo) and fon y ie Total nttust larnced
l7124 Cappo)
 Calculation o CaHelationlequation
ncoe JuanTotal lnteneat da. dy da dydndy
nueAhrust Eaned (-A) -I186-34106s638596Is2927923629 1o1S716
4036 4135 3o4372 89o094s998415286 1244
Lo705 48464 5517-3i772
14120 6022) 2)02 - 20020 44 184o4 koo oo400 42D8 20 40
19596096304020 8
IS944 69305 -273 - l0936 17284
|6222 8024)
I16647 142506 25 32.115 81343124 346D
(9997 37753G 356
20633 138073 57832. 945 6921 s44 S40224 255096952
4Rg064 9325 3s684460227 424
23214 146063 6492 66822
26046 4824 17022 |96S109 76 54328848415666412S
157263
22761792l12669528431169840215L
31311 19 2800 12 SS9
Totud g7228 050167 2So08 ug49 25 |493354 08oltuo 18636583801051243

Conselation olät
) : ngddy - Sdalx Sdu
Nnsca-Czda) xInsd (Eauy)
dadyz 3809054243
2da= 2s008
dy z139425
2d= 443356080
2dy=l4013536155S
n0 Cnoo Obs)
A:10x3804n59 243-25008) x 184425
lox49335 6o80- 6525400064 X lO X14D186341555-36071 Sos625

een-
47446444 1).
N4933S6o8g0- 62s4gD0 64x Nr40 -360 11sos625

33340g 48030
.

4308160136 x307150S62 3. 6

9 3334094 8030
65636.58 X 5S42I|6

1 3334o948030
36376s5402.03

1-0:9
fo
ncoMe Atotlt
91 i dosey to oi95 sosat and
eand haue alateyvy Stong positive canulation
 data

Reqression
on
when total inkerst
nco Me fhom huestunt (x)
esnad (y) is depndan
bya nidudy Sdxiday
n2dx-(2d)

Same

Zdady =3809059243
Ldr=44 3356080
20y 1894 25

7 181228 18722 .8
10

So, by =j0 x38090S9243-256D8 X(29925

10 X4933560 80 - 625400064

by =3809054 2430 -4749644400

49335608 00- 625400 o64

byn =33340942030
4811020796
Now

Pulling Vaduy in the cqatan

y-10so|6-7 = 6-84(%-l8722 3)
4losol6-7 36842- 28063.452

G-84- 23047 252

OR

6342
The.
dapendoat
y-23o47- 252 0

- 23on. 2S2: 6- B4 d
Sealln Diasam
lncome form Total inaet
ouestent eatned
2014 4036 4135
2016 l0 205 48469
201% |4120 6022 I
20187 Is444 64305
8 024 1
201816222
20289 |q447 16547
20202o633 138073
202223214 146063
2022 26046 Is7263
202331311 19280D

Lncome dom estant and Total intrest Caned

Lnuoe from
Amoutn
Crored

2S,00D
20,0D

10,0Db

S,06D
201S 2016 2017 2018 2019 2o20 2021 2o 22 203

Yeans
 ANALYSIs
The lncoM Momm lavstt has becn
(ondiloty and the pta totl
hasing
incone inouue
also halng nouasing graph
HDFC Bonk
gom 2014
|SBandand deiaion caalated is
to 2023the
)
6S637 G G fun
he LoMclakon caluulakd anel the angtsdion
cquaion iu
Hhe Scallo! dingum
and Total heol. ruprsdento ncome ftoM uesttiuat
HOFC Bank

TNTERPRET

) e sBanda1d deiaion un u 65637 G which

MLans the deiaon o
westont wil be anound t 65637 i'c 6S637 Mote
har 6 222 a4 - 65637 C1 (-e 65637 lesA than
l6222 Cr.

2), the Co rolaion bdven hcome kom nestnoit oalanct

lbtal thcore hwestunt caned y)
which Ahat heu laton is ulahvey
shog p'site orralaton closes
 23047:252:'6- 842
3) The agieldion cquaton ü
then u - 23047 2s2, -684x/00D
640t 23047252
4 24887252.

om ned tment (a) =toD, hen

<224 8872S2

4)1he scato beteeotal

diagaM shows the positan (pasihve)
ul ation nte aJt eaed ucone
HOFC Barrk

So it Meand hat 2has Bl"le Vatlnce in ydata

Concdwsion :
the co-relation and ragpusdionanaydu pMouided
Naluable
iighlaVaniableA tie olationdhip between
undes
Suggest Sig grificant aboahon
betuen the vaiable indi cating pokntia predichve pouer
and taplanehiog
ing appothuni hes fo