CERTIFICATE

This is to certify that the project Report titled A COMPARATIVE STUDY ON THE
FINANCIAL PERFORMANCE OF SBI AND ICICI FOR THE PERIOD OF 3
YEARS FROM 2008-2011 submitted in partial fulfillment for the award of MBA
Degree to the Department of Management Studies, St.Josephs College (Autonomous),
Bharathidasan University, was carried out by R.Frank kamalraj (10PBA144) under my
guidance. This has not been submitted to any other University or Institution for the award
of any Degree/Diploma/Certificate.

Internal Guide

Director

Viva Voce conducted on

External Examiner

Internal Examiner

DECLARATION

I hereby declare that this Project Report titled titled A comparative

study on the financial performance of SBI and ICICI for the period of 3
years from 2008-2011 by me to the Department of Business Management,
St.Josephs College(Autonomous), affiliated to Bharathidasan University,
Tiruchirappalli; is a bonafide work undertaken by me and it is not submitted
to any other University or Institution for the award of any Degree/ Diploma /
Certificate or published any time before.

Signature of the Student

ACKNOWLEDGEMENT

Its my honour to thank Rev. Dr. A. Sebastian S.J., Principal,

St.

Josephs College, Thiruchirapalli, who showers his grace and love to our
institute all the time and paving the right way to success.
I express my sincere thanks to Rev. Fr. Antony Pappuraj S.J,
Director of St. Josephs Institute of Management, Thiruchirapalli, for
permitting me to undergo the project work.
I express my gratefulness to my guide Dr.J.Felicita, M.Com., M.Phil.,
MBA., Ph.D.,for guiding and advising me and enabled me to complete the
project in a successful way.
I also wish to record my thanks to all other faculty members in the
Department of Management studies, St. Josephs Institute of Management,
Trichy, who generously helped me to complete this project. I am grateful to
my friends and family members for their co-operation during the collection
and compiling of data of this project.
I thank Dear Lord Almighty for being with me in all my challenges and
victories.

LIST OF TABLES
TABLE
NO.

TITLE OF TABLES

PAGE
NO

4.01

GROSS PROFIT RATIO OF SBI AND ICICI

20

4.02

OPERATING PROFIT RATIO OF SB AND ICICI

23

4.03

NET PROFIT RATIO

25

4.04

DIVIDEND PAYOUT RATIO

27

4.05

TOTAL ASSET TURNOVER RATIO

29

4.06

OPERATING RATIO

31

4.07

CURRENT RATIO

33

4.08

NET CASH INFLOWS

35

4.09

PRICE/BOOK VALUE RATIO

36

4.10

PRICE EARNING RATIO

37

4.11

PRICE EARNING TO GROWTH RATIO

39

4.12

DEPT TO EQUITY RATIO

40

LIST OF FIGURES
SI.NO

FIGURES

PAGE
NO.

GROSS PROFIT RATIO

20

OPERATING PROFIT RATIO

23

NET PROFIT RATIO

25

DIVIDEND PAYOUT RATIO

27

TOTAL ASSET TURNOVER RATIO

29

OPERATING RATIO

31

CURRENT RATIO

33

NET CASH INFLOWS

35

PRICE/BOOK VALUE RATIO

36

10

PRICE EARNING RATIO

37

11

PRICE EARNING TO GROWTH RATIO

39

12

DEPT TO EQUITY RATIO

40

13

A-KROW OF SBI

43

14

A-KROW OF ICICI

43

15

RSI OF SBI

45

16

RSI OF ICICI

45

17

MACD OF SBI

46

18

MACD OF ICICI

46

19

ROC OF SBI

49

20

ROC OF ICICI

49