Can a standard 20V hammer drill effectively penetrate concrete?

Many DIYers own basic hammer drills but wonder if they are powerful enough for concrete tasks, often confusing them with rotary hammers. This common confusion leads to questions about tool capability, appropriate drill bits, and technique for drilling concrete holes for anchors. Providing clear guidance on when a standard hammer drill suffices versus when a dedicated rotary hammer is needed, along with tips for successful drilling, addresses a widespread query.