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Dr. Mayank Dhaundiyal

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without which the accomplishment of this project would have never been possible. Mayank Dhaundiyal. We also thank him for giving this opportunity to “ANALAYISE ANNUAL GENERAL REPORT OF TOP BANKING COMPANIES”. THANKING YOU . as a part of course titled "Competitor.ACKNOWLEDGEMENT This work is done as a project. for his valuable guidance and assistance. This project is a success with your support and guidance." We are really thankful to Dr.

as is evident from several factors.INDIAN BANKING INDUSTRY The Indian banking sector has emerged as one of the strongest drivers of India’s economic growth. 2006 to 2. including annual credit growth.3% as on March 31. . The State bank of India has recorded highest market share. profitability. Indian banks. The below table highlights top 10 banks which contributed 58% share of the total credit as on March 31.22 trillion) has made outstanding advancement in last few years. even during the times when the rest of the world was struggling with financial meltdown. the dominant financial intermediaries in India. 2011. have made high-quality progress over the last five years. and trend in gross non-performing assets (NPAs).2% which is highest among others. 2011. The Indian banking sector is a mixture of public. The Net Interest Margin of HDFC Banks is 4. India's economic development and financial sector liberalization have led to a transformation of the Indian banking sector over the past two decades. while gross NPAs fell from 3. private and foreign ownerships. While annual rate of credit growth clocked 23% during the last five years. The Indian banking industry (US$ 1.3% as on March 31. profitability (average Return on Net Worth) was maintained at around 15% during the same period.

2012.S. Ramachandran. Mr.021 ATMs in India. Sri Lanka. Mr. K. Board Members Mr. Managing Director & CEO Executive Director & CFO Executive Director Executive Director . Hong Kong. Rajiv Sabharwal.47 billion (US$ 93 billion) at March 31. Dr.65 billion (US$ 1. Mr. Homi R. 4. life and non-life insurance.901 branches and 10. The Bank has a network of 2. Khusrokhan. Mr. Our UK subsidiary has established branches in Belgium and Germany. The Bank currently has subsidiaries in the United Kingdom. Mr. Tushaar Shah. Thailand. venture capital and asset management.COMPANY PROFILE ICICI Bank is India's second-largest bank with total assets of Rs. and has a presence in 19 countries. Mr. Dr. ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE). Ramkumar. K. Kamath. branches in United States. including India. Bahrain. South Africa. Malaysia and Indonesia. Ms. Arvind Kumar. V. S. Chairman. Kannan. Mr. Singapore. Sridar Iyengar. Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates. China. Sridar. N. Swati Piramal. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries in the areas of investment banking. Russia and Canada. V. Mr.271 million) for the year ended March 31. 2012 and profit after tax Rs. Chanda Kochhar. M.736. 64. Bangladesh.

ICICI Bank was also dependent on Teradata for support and other activities: The bank was completely tied down to that solution.141 ATMs across the country. and developed a shortlist of alternatives for its migration proof-of-concept: Sybase.0 andPinnacle7. its subsidiaries ICICI Life Insurance. Retail assets constituted 34% of advances in FY12 as against 65% in FY07.000 ATMs and 2.016. and provide ongoing operational support for its centralized information technology. Technology of ICICI: ICICI use many type of advance technological software like Pinnacle 7. mid and small) loans (50% of total advances in FY12). SBI began the largest implementation of a centralized core system ever undertaken in the banking industry. The State Bank of India selected Tata Consultancy Services to customize the software. The bank is focusing on loan origination in the large corporate. ICICI Bank lost its share of the banking sector's advances from 10. The primary criteria for evaluation were the price-to-performance ratio where Sybase IQ emerged the clear winner. the bank had assets of over Rs 4. SBI BANK SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. ICICI General Insurance and ICICI AMC are leaders in their respective businesses. Although the bank's loan book is largely skewed towards corporate (large.750 branches spread across the country. mobile banking electronic display sy ICICI Bank was using Teradata for its data warehouse. core banking.270 branches and over 22. Besides the bank itself being the market leader across retail loan portfolios. Sybase IQ delivered faster results on independent hardware and operating systems with minimum infrastructure. During this rigorous testing.8 trillion and a franchise of over 9.2% in FY07 to 8% in FY12. ICICI Bank evaluated numerous data warehousing solutions in the pursuit of solving its issues. implement the new core system. the retail side is also fast catching up. SBI has a network of almost 14.COMPARISON OF ICICI WITH ITS COMPETITOR ICICI BANK The second largest bank in the country after SBI in terms of asset size. These issues compelled ICICI Bank to look for more efficient and flexible solutions. in 2002. SAS and Netezza. Technology of SBI: To remain competitive with its private-sector counterparts. SME and agrie segments and on non-fund based products and services. The introduction of a Core Banking Solution and the implementation of initiatives under the .Amo ng from this software ICICI bank uses the e-banking. At the end of March 2012.

the Corporate Banking business is supported by Flexcube. both from I-flex Solutions Ltd.3% of advances in FY12. scaleable and webenabled. HDFC AMC (mutual funds) and HDFC Securities (equities) add more options and growth prospects to the bank's offerings.2% of total non-food credit in FY02 to 4. Technology of HDFC The Bank has made substantial efforts and investments in acquiring the best technology available internationally.600 SBI and affiliate bank branches. while the Retail Banking business by Finware. Bank initiated UPTECH an Industrial Technology Group to direct and guide programmes aimed at facilitating technology up gradation. In terms of core banking software. Although SBI initially planned to convert only 3. HDFC Standard Life (insurance). Its group companies.300 of its branches.umbrella of Business Process Re-engineering (BPR) had drastically changed the matter of functioning. Retail assets constituted 51. HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. it was so successful that it expanded the project to include all of the more than 14.2% in FY12. The bank has tripled its share from 1. . to build the infrastructure for a world class bank.2% share of India's total non-food credit disbursements in FY12. HDFC BANK With 4. The systems are open.

3 13.4 SBI 2012 228.6 9.2 0.50 16.00 Debt equity = total 0.5 1. of equity share ICICI 2012 66.55 share holder fund / = net credit 87.9 Interpretation: .09 ratio debt/share holder fund Gross profit Dividend yield ratio Credit deposit ratio Price earnings ratio = gross profit / net sales *100 =total debt / 1.4 11.8 -165703 19259 36924 110218 1.6 103.6 Dividend per share 16.7 82.1 HDFC 2012 22.2 80.7 1.2 11.7 21.3 AXIS 2012 102.88 price per share / earnings per share 7.81 purchase / average creditors =market 24.6 77.00 4.30 35.2 9 14.19 tax preference share dividend / no. of equity share = dividend 14 paid to equity share holder / no.Ratio Comparison Ratio Earnings per share ICICI 2011 =profit after 67.

This means company gave lot of loan . Higher the ratio. which says that debts should not exceed twice of the Shareholders’ funds. investors will be more attracted.1. In 2012 it’s DECREASE by 45%. PRICE EARNING RATIO . 4. 3. so there is less EPS. IN 2012 EARNING PER SHARE IS DECREASE BY 0. DIVIDEND PER SHARE It is nothing but the dividend paid to the ordinary shareholders. EARNING PER SHARE EPS being a widely used ratio is a measure of profitability from the owners’ point of view. to support its genuineness. The profit after deducting the dividends is more in SBI Bank that means SBI is having more funds with them in form of profit because SBI is an established brand. 5.59%. therefore it needs to give more dividends to the shareholders. In 2012 debt equity ratio has increased by 6. DIVIDEND YIELD RATIO Higher the ratio. DEBT EQUITY RATIO This ratio reflects the proportion of owners’ stake in the business.and loan is long types.50% that company issue lot of dividend. Higher the ratio. Excess liabilities tend to cause insolvency and working capital problem. There is standard of 2:1. 2. Here Net Profit refers to Net Profit after taxes and preference dividend.3%. it is good for the company and it will attract more investors. Dividend per share increase by 2. calculated per share basis. investors will be more attracted in 2012. Whereas ICICI Bank has less profit after deducting the dividends because ICICI Bank is a fast growing bank. The ratio is to be compared with industrial average and over the years.

Longest working hours and additional services at ATMs attract customers. 19. Bank service charges are higher than competitors. This ratio is reviewed over the years to reflect the trend towards appreciation in the value of shares per every rupee of EPS.758 branches and 9. SWOT ANALYSIS: Strength: ICICI bank is 2nd largest bank. . and has a presence in 19 countries. Marketing and advertising of ICICI have a better reach than other banks. That mean company goodwill decrease in 2012. It has a network of 2.000.363 ATMs in India. This might affect productivity. Third party agency handles recovery management.000. Having capacity to raise Rs. Stringent policies in terms of recovering debt. One of the major strengths is its strong and transparent balance sheet. how much the price being paid by the market. Employees are always under pressure of competitor banks. including India. Opportunities: ICICI bank has minimum amount of Non Performing Assets. In 2012 price earning is decrease by 11. loans and credit payment.000. Weakness: Lot of consumer complaints filed against ICICI. It has first mover advantage in some banking and financial services and was 1 st to start mobile banking in India.48 %.This ratio represents that for every rupee of earning per share. It has largest authorized capital base in banking system.

HDFC and Axis banks are major competitors of ICICI bank and hence a big threat. Growth in banking sector in coming years. CONCLUSION . Planning to open hundreds of new branches. Threats: RBI has allowed foreign banks to invest up to 74% in Indian banking. unsatisfied customers easily switch to other banks. Although customer acquisition is high.- Expansion in rural banking. Can acquire small and non performing banks based on its financial strength.

Its dividend per share is good which indicate that number of investor is going to increase in future. Fixed and current deposits have also shown an increasing trend. Its debt ratio is less than other bank it’s indicate that they more equity. Individuals are the major shareholders. Bank’s investments are also showing an increasing trend. which has always been its main objective. its financial record is showing that is making up its loss and showing a try to overcome it.On the basis of above analysis we can arrive at conclusion that the financial position and overall performance is good. The major achievement of the bank has been a tremendous increase in its deposits. . Due to increase in advances. Though its gross profit decreased in year 2012. the interest received by the bank from such advances is proving to be the major source of income for the bank.