Analysis

CHEPTER-5
COMPARATIVE ANALYSIS OF BANK OF BARODA

AND STATE BANK OF INDIA.
SR.NO. PARTICULAR PAGE

NO.
5.1 INTRODUCTION 324
5.2 COMPARISON OF DEPOSIT BETWEEN BOB AND SBI 324
5.3 COMPARISON OF BORROWINGS BETWEEN BOB AND SBI 326
5.4 COMPARISON OF RESERVES & SURPLUS BETWEEN BOB
328
AND SBI
5.5 COMPARISON OF CASH & BALANCE BETWEEN BOB AND
330
SBI
5.6 COMPARISON OF BALANCE WITH BANKS BETWEEN BOB
332
AND SBI
5.7 COMPARISON OF INVESTMENTS BETWEEN BOB AND SBI 334
5.8 COMPARISON OF ADVANCES BETWEEN BOB AND SBI 336
5.9 COMPARISON OF FIXED ASSETS BETWEEN BOB AND SBI 338
5.10 COMPARISON OF INTEREST BETWEEN BOB AND SBI 340
5.11 COMPARISON OF CAPITAL BETWEEN BOB AND SBI 342
5.12 COMPARISON OF INCOME BETWEEN BOB AND SBI 344
5.13 COMPARISON OF EXPENDITURE BETWEEN BOB AND SBI 346
5.14 COMPARISON OF APPROPRIATIONS BETWEEN BOB AND
348
SBI
5.15 COMPARISON OF EARNINGS PER SHARE BETWEEN BOB
350
AND SBI
5.16 COMPARISON OF BRANCHES IN INDIA BETWEEN BOB
352
AND SBI
5.17 COMPARISON OF PROVISION FOR NPA BETWEEN BOB
354
AND SBI
5.18 COMPARISON OF NET PROFIT BETWEEN BOB AND SBI 356
5.19 COMPARISON OF NET PROFIT BEFORE TAXES BETWEEN
358
BOB AND SBI
5.20 COMPARISON OF PROFIT PER EMPLOYS BETWEEN BOB
360
AND SBI
5.21 COMPARISON OF REVENUE BETWEEN BOB AND SBI 362
5.22 COMPARISON OF BOOK VALUE PER SHARE BETWEEN
364
BOB AND SBI
[323]
5.1 INTRODUCTION:
For the study researcher has taken two samples which are leading bank of our
country. Both the bank performance is in upward trends. That is why researcher has
selected both the bank for the study .it is true both the bank working well in their
area. Hence researcher has made an effort to do the comparison of both the bank the
reason for that to find out where the similarity and where the difference. To workout
show similarity and difference has tried to do comparative analysis of selected
parameter and also test the hypothesis using to mean, t-test.
(5.2) COMPARISON OF DEPOSIT BETWEEN BOB AND SBI:

TABLE-5.1
DEPOSIT-BOB/x1 DEPOSIT-SBI/x2
Year Deposit Trend year Deposit Trend
2007-08 1520341272 100 2007-08 5374039409 100
2008-09 1923969517 126.5 2008-09 7420731280 138.1
2009-10 2410442642 158.5 2009-10 8041162268 149.6
2010-11 3054394819 200.9 2010-11 9339328130 173.8
2011-12 3848711059 253.1 2011-12 10436473623 194.2
2012-13 4738833375 311.7 2012-13 12027395743 223.8
2013-14 5688943885 374.2 2013-14 13944085048 259.5
Maximum 5688943885 Minimum 5374039409
Minimum 1520341272 Maximum 13944085048
Average 3312233796 Average 9511887929
ANALYSIS:
From the about comparative table found that the average of deposit in bank of
baroda and state bank of India having average value 3312233796 and 9511887929.
Respectively it has clearly identify the deposit of average in SBI is higher then BOB’s
deposit.
[324]
CHART-5.1
HYPOTHESIS TESTING:
H0= There is no significant difference in deposit of Bank of Baroda and state Bank of India.
H1= There is significant difference in deposit of Bank of Baroda and state Bank of India.
TABLE-5.2
T-TEST OF DEPOSIT OF BANK
B OF BARODA AND STATE
TATE BANK OF INDIA
NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

GROUP
BOB 3312233796 7220087413.89 6 1.60 1.78
SBI 9511887929
INTERPRETATION:
The above calculation of T- test ( of the comparison of DEPOSIT Bank Of Baroda

and State Bank Of India)) result out that there is no significance different between DEPOSIT
of Bank Of Baroda and State Bank Of India.
Here calculate value of T-test
T found 1.60 and table value at 5% level of signification
has found 1.78. So table value is greater than calculate value.
value Hence Null (HO) Hypothesis
has selected. and Alternative (H1) Hypothesis has rejected so it can concluded that there is no
signification different.
[325]
5.3 COM PARISON OF BORROWINGS BETWEEN BOB AND SBI:
TABLE-5.3
BORROWINGS – BOB BORR0WINGS-SBI

Year Borrowings Trend Year Borrowings Trend
2007-08 39270480 100 2007-08 517274113 100
2008-09 56360859 143.5 2008-09 537136821 103.8
2009-10 133500850 340 2009-10 1030116011 199.1
2010-11 223078548 568.1 2010-11 1195689550 231.2
2011-12 235730512 600.3 2011-12 1270055680 245.5
2012-13 265792818 676.8 2012-13 1691827136 327.1
2013-14 368129688 937.4 2013-14 1831308826 354
maximum 368129688 Minimum 517274113
minimum 39270480 Maximum 1831308826
Average 188837679.3 Average 1153344020
ANALYSIS: From the about comparative table found that the average of borrowings
in Bank of Baroda and State Bank of India having
having average value 188837679.3 and
1153344020.. Respectively it has clearly identify the borrowings of average in SBI is
higher than BOB’s borrowings.
CHART-5.2
COMPARISION OF BOB&SBI BORROWINGS

BORROWINGS – BOB BORROWING BORROWINGS-SBI
SBI BORROWINGS
1831308826
1691827136
11956895501270055680
1030116011
517274113 537136821
368129688
223078548 235730512 265792818
133500850
39270480 56360859
2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013--14
[326]
HYPOTHESIS TESTING:
H0= There is no significant difference in borrowings of Bank of Baroda and state Bank
of India.
H1= There is significant difference in borrowings of Bank of Baroda and state Bank of
India.
TABLE-5.4
T-TEST OF BORROWINGS OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 188837679.3 133646282884.82 6 1.35 1.78
SBI 1153344020
INTERPRETATION:
The above calculation of T- test ( of the comparison of BORROWINGS Bank Of

Baroda and State Bank Of India) result out that there is no significance different
between BORROWINGS of Bank Of Baroda and State Bank Of India.
Here calculate value of T-test found 1.35 and table value at 5% level of
signification has found 1.78. So table value is greater than calculate value. Hence
Null (HO) Hypothesis has selected. and Alternative (H1) Hypothesis has rejected so it
can concluded that there is no signification different.
[327]
5.4 COMPARISON OF RESERVES & SURPLUS BETWEEN BOB
AND SBI:
TABLE-5.5
RESERVES & SURPLUS-BOB
SURPLUS RESERVES&SURPLUS-SBI
RESERVES&SURPLUS
year R&S Trend Year R.&S. Trend
2007-08 106783991 100 2007-08 484011911 100
2008-09 124700135 116.8 2008-09 573128162 118.4
2009-10 147408550 138 2009-10 653143160 134.9
2010-11 206507258 193.4 2010-11 643510442 133
2011-12 270644661 253.5 2011-12 832801610 172.1
2012-13 315469210 295.4 2012-13 981996514 202.9
2013-14 355549988 333 2013-14 1175356765 242.8
Maximum 355549988 Minimum 484011911
Minimum 106783991 Maximum 1175356765
Average 218151970.4 Average 763421223.4
ANALYSIS: From the about comparative table found that the average of Reserves &
Surplus in Bank of Baroda and State Bank of India having average value
218151970.4 and 763421223.4 Respectively it has clearly identify the Reserves &
Surplus of average in SBI is higher than BOB’s Reserves & Surplus.
CHART-5.3
[328]
HYPOTHESIS TESTING:
H0= There is no significant difference in Reserves & Surplus of Bank of Baroda and
state Bank of India.
H1= There is significant difference in Reserves & Surplus of Bank of Baroda and state
Bank of India.
TABLE-5.6
T-TEST OF RESERVES & SURPLUS OF BANK OF BARODA AND STATE

BANK OF INDIA

GROUP
BOB 218151970.4 187190008.66 6 5.44 1.78
SBI 763421223.4
INTERPRETATION:
The above calculation of T- test ( of the comparison of RESERVES &

SURPLUS Bank Of Baroda and State Bank Of India) result out that there is no
significance different between RESERVES & SURPLUS of Bank Of Baroda and
State Bank Of India.
signification has found 1.78. So table value is less than calculate value. Hence
Alternative (H1) Hypothesis has selected. and Null (HO) Hypothesis has rejected so it
can concluded that there is signification different.
[329]
(5.5) COMPARISON OF CASH & BALANCES BETWEEN BOB AND
SBI:
TABLE-5.7
CASH & BALANCES – BOB CASH & BALANCES-SBI
SBI
Year C&B Trend year C&B Trend
2007-08 93697234 100 2007-08 515346158 100
2008-09 105963435 113.1 2008-09 555461727 107.8
2009-10 135399691 144.5 2009-10 612908652 118.9
2010-11 198681789 212 2010-11 943955020 183.2
2011-12 216514596 231.1 2011-12 540759386 104.9
2012-13 134520783 143.6 2012-13 658304104 127.7
2013-14 186290939 198.8 2013-14 849556605 164.9
Minimum 93697234 Maximum 943955020
Average 153009781 Average 668041664.6
ANALYSIS: From the about comparative table found that the average of CASH &
BALANCES in Bank of Baroda and State Bank of India having average value
153009781 and 668041664.6 Respectively it has clearly identify the CASH &
BALANCES of average in SBI is higher than BOB’s CASH & BALANCES.
BALANCES
CHART-5.4
COMPARISON OF BOB&SBI C.&B.

CASH & BALANCE-BOB
BALANCE C&B CASH & BALANCES-SBI
SBI C&B
943955020
849556605
612908652 658304104
515346158555461727 540759386
198681789216514596 186290939
93697234 105963435135399691 134520783
2007-08 2008-09
2008 2009-10 2010-11 2011-12 2012-13 2013-14
2013
[330]
HYPOTHESIS TESTING:
H0= There is no significant difference in CASH & BALANCES of Bank of Baroda and
H1= There is significant difference in CASH & BALANCES of Bank of Baroda and
TABLE-5.8
T-TEST OF CASH & BALANCES OF BANK OF BARODA AND STATE

BANK OF INDIA

GROUP
BOB 153009781 121795930.67 6 7.91 1.78
SBI 668041664.6
INTERPRETATION:
The above calculation of T- test ( of the comparison of CASH & BALANCES

Bank Of Baroda and State Bank Of India) result out that there is no significance
different between CASH & BALANCES of Bank Of Baroda and State Bank Of
India.
[331]
5.6 COMPARISON OF BALANCE WITH BANKS BETWEEN
BANK OF BARODA AND STATE BANK OF INDIA:
TABLE-5.9
BALANCES WITH BANKS-BOB
BANKS BALANCE WITH BANKS-SBI
BANKS
year B WITH B Trend year B. WITH B. Trend
2007-08 129295633 100 2007-08 159317192 100
2008-09 134907735 104.3 2008-09 488576259 306.7
2009-10 219270885 169.6 2009-10 348929764 219
2010-11 300658889 232.5 2010-11 284786457 178.8
2011-12 425170816 328.8 2011-12 430872263 270.4
2012-13 719468260 556.5 2012-13 489897541 307.5
2013-14 1122488184 868.2 2013-14 475939722 298.7
Maximum 1122488184 Minimum 159317192
Average 435894343.1 Average 382617028.3
ANALYSIS: From the about comparative table found that the average of BALANCES
WITH BANKS in Bank of Baroda and State Bank of India having average value
435894343.1 and 382617028.3 Respectively it has clearly identify the BALANCES
WITH BANKS of average in BOB is higher than SBI’s BALANCES WITH BANKS
CHART-5.5
[332]
HYPOTHESIS TESTING:
H0= There is no significant difference in BALANCES WITH BANKS of Bank of Baroda

and state Bank of India.
H1= There is significant difference in BALANCES WITH BANKS of Bank of Baroda

TABLE-5.10
T-TEST OF BALANCES WITH BANKS OF BANK OF BARODA AND

STATE BANK OF INDIA

GROUP
BOB 435894343.1 273266193.45 6 0.36 1.78
SBI 382617028.3
INTERPRETATION:
The above calculation of T- test ( of the comparison of BALANCE WITH

BANKS Bank Of Baroda and State Bank Of India) result out that there is no
significance different between BALANCE WITH BANKS of Bank Of Baroda and
signification has found 1.78. So table value is greater than calculate value. Hence
Null (HO) Hypothesis has selected. and Alternative (H1) Hypothesis has rejected so it
can concluded that there is no signification different.
[333]
5.7 COMPARISON OF INVESTMENT BETWEEN BOB AND SBI:
TABLE-5.11
INVESTMENTS – BOB INVESTMENT-SBI
SBI
Year Investments Trend Year Investment trend
2007-08 438700678 100 2007-08 1895012709 100
2008-09 524458758 119.5 2008-09 2759539569 145.6
2009-10 611823754 139.5 2009-10 2857900706 150.8

2010-11 713965921 162.7 2010-11 2956005690 156
2011-12 832094001 189.7 2011-12 3121976103 164.7
2012-13 1213937244 276.7 2012-13 3508775051 185.2
2013-14 1161126614 264.7 2013-14 3983081898 210.2
Maximum 1213937244 Minimum 1895012709
Minimum 438700678 Maximum 3983081898
Average 785158138.6 Average 3011755961
ANALYSIS: From the about comparative table found that the average of
INVESTMENT in Bank of Baroda and State Bank of India having average value
785158138.6 and 3011755961 Respectively it has clearly identify the INVESTMENT
of average in SBI is higher than BOB’s INVESTMENT
CHART-5.6
[334]
HYPOTHESIS TESTING:
H0= There is no significant difference in INVESTMENT of Bank of Baroda and state

Bank of India.
H1= There is significant difference in INVESTMENT of Bank of Baroda and state Bank
of India.
TABLE-5.12
T-TEST OF INVESTMENT OF BANK OF BARODA AND STATE BANK

OF INDIA

GROUP
BOB 785158138.6 507500043.80 6 8.20 1.78
SBI 3011755961
INTERPRETATION:
The above calculation of T- test ( of the comparison of INVESTMENT Bank

Of Baroda and State Bank Of India) result out that there is no significance different
between INVESTMENT of Bank Of Baroda and State Bank Of India.
[335]
(5.8) COMPARISON OF ADVANCES BETWEEN BOB AND SBI:
TABLE-5.13
ADVANCES – BOB ADVANCES-SBI
SBI
Year Advances trend year Advances trend
2007-08 1067013241 100 2007-08 4167681962 100
2008-09 1439858961 134.9 2008-09 5425032042 130.2
2009-10 1750352859 164 2009-10 6319141520 151.6
2010-11 2286763609 214.3 2010-11 7567194480 181.6
2011-12 2873772935 269.3 2011-12 8675788901 208.2
2012-13 3281857649 307.6 2012-13 10456165531 250.9
2013-14 3970058108 372.1 2013-14 12098287192 290.3
Maximum 3970058108 Minimum 4167681962
Minimum 1067013241 Maximum 12098287192
Average 2381382480 Average 7815613090
ADVANCES in Bank of Baroda and State Bank of India having average value
2381382480 and 7815613090 Respectively it has clearly identify the ADVANCES of
average in SBI is higher than BOB’s ADVANCES.
CHART-5.7
[336]
HYPOTHESIS TESTING:
H0= There is no significant difference in ADVANCES of Bank of Baroda and state Bank
of India.
H1= There is significant difference in ADVANCES of Bank of Baroda and state Bank of
India.
TABLE-5.14
T-TEST OF ADVANCES OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 2381382480 3247533362.56 6 3.13 1.78
SBI 7815613090
INTERPRETATION:
The above calculation of T- test ( of the comparison of ADVANCES Bank Of

between ADVANCES of Bank Of Baroda and State Bank Of India.
[337]
(5.9) COMPARISON OF FIXED ASSETS BETWEEN BANK OF
BARODA AND STATE BANK OF INDIA:
TABLE-5.15
FIXED ASSETS – BOB FIXED ASSETS-SBI
ASSETS
Year F. Assets Trend year Fixed asset trend
2007-08 24270081 100 2007-08 33734809 100
2008-09 23097193 95.17 2008-09 38378472 113.8
2009-10 22847648 94.14 2009-10 44129067 130.8
2010-11 22997183 94.76 2010-11 47641893 141.2
2011-12 23415020 96.48 2011-12 54665492 162
2012-13 24531160 101.1 2012-13 70050222 207.6
2013-14 27341226 112.7 2013-14 80021551 237.2
Average 24071359 Average 52660215.14
FIXED ASSETS in Bank of Baroda and State Bank of India having average value
24071359 and 52660215.14 Respectively it has clearly identify the FIXED ASSETS of
average in SBI is higher than BOB’s FIXED ASSETS.
CHART-5.8
COMPARISON OFBOB&SBI FIXED ASSETS

FIXED ASSETS-BOB
ASSETS Fixed Assets FIXED ASSETS-SBI
SBI Fixed asset
80021551
70050222
54665492
44129067 47641893
38378472
33734809
24270081 23097193 22847648 22997183 23415020 24531160 27341226
2007-08 2008-09
09 2009-10 2010-11 2011-12 2012-13 2013
2013-14
[338]
HYPOTHESIS TESTING:
H0= There is no significant difference in FIXED ASSETS of Bank of Baroda and state
Bank of India.
H1= There is significant difference in FIXED ASSETS of Bank of Baroda and state Bank
of India.
TABLE-5.16
T-TEST OF FIXED ASSETS OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 24071359 12007474.91 6 4.45 1.78
SBI 52660215.14
INTERPRETATION:
The above calculation of T- test ( of the comparison of FIXED ASSETS Bank

between FIXED ASSETS of Bank Of Baroda and State Bank Of India.
[339]
(5.10) COMPARISON OF INTEREST BETWEEN BANK OF
TABLE-5.17
INTEREST – BOB INTEREST-SBI
SBI
Year Interest Trend year Interest trend
2007-08 118134767 100 2007-08 489503071 100
2008-09 150915774 127.8 2008-09 637884338 130.3
2009-10 166983424 141.4 2009-10 709939175 145
2010-11 218859156 185.3 2010-11 813943638 166.3
2011-12 296737242 251.2 2011-12 1065214534 217.6
2012-13 351966544 297.9 2012-13 1196570990 244.4
2013-14 389397095 329.6 2013-14 1363508039 278.5
Maximum 389397095 Minimum 489503071 1282
Minimum 118134767 Maximum 1363508039
Average 241856286 Average 896651969.3
INTEREST in Bank of Baroda and State Bank of India having average value
241856286 and 896651969.3 Respectively it has clearly identify the INTEREST of
average in SBI is higher than BOB’s INTEREST.
INTEREST
CHART-5.9
[340]
HYPOTHESIS TESTING:
H0= There is no significant difference in INTEREST of Bank of Baroda and state Bank
of India.
H1= There is significant difference in INTEREST of Bank of Baroda and state Bank of
India.
TABLE-5.18
T-TEST OF INTEREST OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 241856286 236131831.34 6 5.18 1.78
SBI 896651969.3
INTERPRETATION:
The above calculation of T- test ( of the comparison of INTEREST Bank Of

between INTEREST of Bank Of Baroda and State Bank Of India.
[341]
(5.11)) COMPARISON OF CAPITAL BETWEEN BANK OF
TABLE-5.19
CAPITAL
CAPITAL-BOB CAPITAL
CAPITAL-SBI
Year Cap.rs000's Trend Year Capital Trend
2007-08 3655277 100 2007-08 6314704 100
2008-09 3655277 100 2008-09 6348802 100.5
2009-10 3655277 100 2009-10 6348826 100.5
2010-11 3928073 107.5 2010-11 6349990 100.6
2011-12 4123846 112.8 2011-12 6710448 106.3
2012-13 4225175 115.6 2012-13 6840340 108.3
2013-14 4306763 117.8 2013-14 7465731 118.2
Minimum 3655277 minimum 6314704
Maximum 4306763 maximum 7465731
Average 3935669.714 Average 6625548.714
CAPITAL in Bank of Baroda and State Bank of India having average value
3935669.714 and 6625548.714 Respectively it has clearly identify the CAPITAL of
average in SBI is higher than BOB’s CAPITAL.
CAPITAL
CHART-5.10
[342]
HYPOTHESIS TESTING:
H0= There is no significant difference in CAPITAL of Bank of Baroda and state Bank of
India.
H1= There is significant difference in CAPITAL of Bank of Baroda and state Bank of
India.
TABLE-5.20
T-TEST OF CAPITAL OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 3935669.714 362608.89 6 13.87 1.78
SBI 6625548.714
INTERPRETATION:
The above calculation of T- test ( of the comparison of CAPITAL Bank Of

between CAPITAL of Bank Of Baroda and State Bank Of India.
[343]
(5.12) COMPARISON OF INCOME BETWEEN BOB AND SBI:
TABLE-5.21
INCOME--BOB INCOME-SBI
Year Income Trend Year income trend
2007-08 138645128 100 2007-08 576452355 100
2008-09 178492354 128.7 2008-09 764792228 132.7
2009-10 195046989 140.7 2009-10 859620702 149.1
2010-11 246951016 178.1 2010-11 972189580 168.7
2011-12 330960524 238.7 2011-12 1208728991 209.7
2012-13 388272793 280 2012-13 1356919423 235.4
2013-14 434024536 313 2013-14 1549037203 268.7
Minimum 138645128 Minimum 576452355
Maximum 434024536 Maximum 1549037203
Average 273199048.6 Average 1041105783
INCOME in Bank of Baroda and State Bank of India having average value
273199048.6 and 1041105783 Respectively it has clearly identify the INCOME of
average in SBI is higher than BOB’s INCOME.
INCOME
CHART-5.11
[344]
HYPOTHESIS TESTING:
H0= There is no significant difference in INCOME of Bank of Baroda and state Bank of
India.
H1= There is significant difference in INCOME of Bank of Baroda and state Bank of
India.
TABLE-5.22
T-TEST OF INCOME OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 273199048.6 256806256.57 6 5.59 1.78
SBI 1041105783
INTERPRETATION:
The above calculation of T- test ( of the comparison of INCOME Bank Of Baroda

and State Bank Of India) result out that there is no significance different between
INCOME of Bank Of Baroda and State Bank Of India.
[345]
(5.13) COMPARISON OF EXPENDITURE BETWEEN BOB AND SBI:
TABLE-5.23
EXPENDITURE
EXPENDITURE-BOB EXPENDITURE-SBI
SBI
Year Expenditure Trend Year Expenditure Trend
2007-08 124289913 100 2007-08 509161108 100
2008-09 156220336 125.7 2008-09 673579963 132.3
2009-10 164463679 132.3 2009-10 767960172 150.8
2010-11 204534219 164.6 2010-11 889544390 174.7
2011-12 280890962 226 2011-12 1091656105 214.4
2012-13 343465593 276.3 2012-13 1215869574 238.8
2013-14 388613706 312.7 2013-14 1440125486 282.8
Maximum 388613706 Maximum 1440125486
Average 237496915.4 Average 941128114
ANALYSIS: From the about comparative table found

found that the average of
EXPENDITURE in Bank of Baroda and State Bank of India having average value
237496915.4 and 941128114 Respectively it has clearly identify
entify the EXPENDITURE
of average in SBI is higher than BOB’s EXPENDITURE.
CHART-5.12
[346]
HYPOTHESIS TESTING:
H0= There is no significant difference in EXPENDITURE of Bank of Baroda and state

Bank of India.
H1= There is significant difference in EXPENDITURE of Bank of Baroda and state Bank
of India.
TABLE-5.24
T-TEST OF EXPENDITURE OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 237496915.4 241480888.87 6 5.45 1.78
SBI 941128114
INTERPRETATION:
The above calculation of T- test ( of the comparison of EXPENDITURE Bank Of

between EXPENDITURE of Bank Of Baroda and State Bank Of India.
[347]
(5.14) COMPARISON OF APPROPRIATION BETWEEN BANK
OF BARODA AND STATE BANK OF INDIA:
TABLE-5.25
APPROPRIATION
APPROPRIATION-BOB APPROPRIATION-SBI
SBI
Year Appro. Trend Year Appro. Trend
2007-08 14355215 100 2007-08 67295577 100
2008-09 22272018 155.1 2008-09 91215658 135.5
2009-10 30583310 213 2009-10 91663923 136.2
2010-11 42416797 295.5 2010-11 82648583 122.8
2011-12 50069562 348.8 2011-12 117133394 174.1
2012-13 44807200 312.1 2012-13 141053242 209.6
2013-14 45410830 316.3 2013-14 108915110 161.8
Average 35702133.14 Average 99989355.29
ANALYSIS: From the about comparative table found

found that the average of
APPROPRIATION in Bank of Baroda and State Bank of India having average value
35702133.14 and 99989355.29 Respectively it has clearly identify the
APPROPRIATION of average in SBI is higher than BOB’s APPROPRIATION.
APPROPRIATION
CHART-5.13
[348]
HYPOTHESIS TESTING:
H0= There is no significant difference in APPROPRIATION of Bank of Baroda and state

Bank of India.
H1= There is significant difference in APPROPRIATION of Bank of Baroda and state

Bank of India.
TABLE-5.26
T-TEST OF APPROPRIATION OF BANK OF BARODA AND STATE BANK OF

INDIA

GROUP
BOB 35702133.14 19720205.54 6 6.09 1.78
SBI 99989355.29
INTERPRETATION:
The above calculation of T- test (of the comparison of APPROPRIATION Bank

between APPROPRIATION of Bank Of Baroda and State Bank Of India.
[349]
(5.15) COMPARISON OF EARNING PER SHARE BETWEEN
TABLE-5.27
EARNING PER SHARE-BOB
SHARE EARNINGS PER SHARE-SBI
SHARE
Year EPS(Rs) Trend Year EPS(RS) TREND
2007-08 39.41 100 2007-08 126.62 100
2008-09 61.14 155.1 2008-09 143.77 113.5
2009-10 83.96 213 2009-10 144.37 114
2010-11 116.37 295.3 2010-11 130.16 102.8
2011-12 127.84 324.4 2011-12 184.31 145.6
2012-13 108.84 276.2 2012-13 210.6 166.3
2013-14 107.38 272.5 2013-14 156.76 123.8
Minimum 39.41 minimum 126.62
Maximum 127.84 maximum 210.6
Average 92.13428571 Average 156.6557143
EARNING PER SHARE in Bank of Baroda and State Bank of India having average
value 92.13428571 and 156.6557143Respectively
156.6557143Respectively it has clearly identify the EARNING
PER SHARE of average in SBI is higher than BOB’s EARNING PER SHARE.
SHARE
CHART-5.14
[350]
HYPOTHESIS TESTING:
H0= There is no significant difference in EARNING PER SHARE of Bank of Baroda and
H1= There is significant difference in EARNING PER SHARE of Bank of Baroda and
TABLE-5.28
T-TEST OF EARNING PER SHARE OF BANK OF BARODA AND STATE BANK OF

INDIA

GROUP
BOB 92.13 31.32 6 3.85 1.78
SBI 156.65
INTERPRETATION:
The above calculation of T- test (of the comparison of EARNING PER SHARE
different between EARNING PER SHARE of Bank Of Baroda and State Bank Of
India.
can concluded that there is signification different
[351]
(5.16) COMPARISON OF BRANCHIES IN INDIA BETWEEN
TABLE-5.29
BRANCHIES IN INDIA-BOB
INDIA BRANCHIES IN INDIA-SBI
SBI
Year BRANCHIES Trend Year BRANCHIES TREND
2007-08 2899 100 2007-08 10186 100
2008-09 2974 102.6 2008-09 11448 112.4
2009-10 3148 108.6 2009-10 12496 122.7
2010-11 3418 117.9 2010-11 13542 132.9
2011-12 3959 136.6 2011-12 14097 138.4
2012-13 4336 149.6 2012-13 14816 145.5
2013-14 4934 170.2 2013-14 15869 155.8
Maximum 4934 Maximum 15869
Average 3666.857143 Average 13207.71429
BRANCHIES IN INDIA in Bank of Baroda and State Bank of India having average
value 3666.857143 and 13207.71429 Respectively it has clearly identify the
BRANCHIES IN INDIA of average in SBI is higher than BOB’s BRANCHIES IN
INDIA.
CHART-5.15
[352]
HYPOTHESIS TESTING:
H0= There is no significant difference in BRANCHIES IN INDIA of Bank of Baroda and

H1= There is significant difference in BRANCHIES IN INDIA of Bank of Baroda and

TABLE-5.30
T-TEST OF BRANCHIES IN INDIA OF BANK OF BARODA AND STATE BANK OF

INDIA

GROUP
BOB 3666.857143 1495.68 6 11.93 1.78
SBI 13207.71429
INTERPRETATION:
The above calculation of T- test (of the comparison of BRANCHIES IN INDIA

different between BRANCHIES IN INDIA of Bank Of Baroda and State Bank Of
India.
[353]
(5.17)) COMPARISON OF PROVISION FOR NPA
BETWEEN BOB AND SBI:
TABLE-5.31
PROVISION FOR NPA-BOB
NPA PROVISION FOR NPA-SBI
NPA
Year PROVI. NPA Trend Year PROVI.NPA TREND
2007-08 5258758 100 2007-08 20009363 100
2008-09 3375836 64.19 2008-09 24749573 123.7
2009-10 9554589 181.7 2009-10 51478528 257.3
2010-11 10505974 199.8 2010-11 87920928 439.4
2011-12 18651916 354.7 2011-12 115458515 577
2012-13 34494424 655.9 2012-13 113677846 568.1
2013-14 29677229 564.3 2013-14 142235687 710.8
Average 15931246.57 Average 79361491.43
ANALYSIS: From the about comparative table found that the average of PROVISION
FOR NPA in Bank of Baroda and State Bank of India having average value
15931246.57 and 79361491.43 Respectively it has clearly identify the PROVISION
FOR NPA of average in SBI is higher than BOB’s PROVISION FOR NPA.
NPA
CHART-5.16
[354]
HYPOTHESIS TESTING:
H0= There is no significant difference in PROVISION FOR NPA of Bank of Baroda and
H1= There is significant difference in PROVISION FOR NPA of Bank of Baroda and
TABLE-5.32
T-TEST OF PROVISION FOR NPA OF BANK OF BARODA AND STATE BANK OF

INDIA

GROUP
BOB 15931246.57 34966905.16 6 3.39 1.78
SBI 79361491.43
INTERPRETATION:
The above calculation of T- test (of the comparison of PROVISION FOR NPA Bank
between PROVISION FOR NPA of Bank Of Baroda and State Bank Of India.
[355]
(5.18) COMPARISON OF NET PROFIT BETWEEN BOB AND SBI:
TABLE-5.33
NET PROFIT-BOB
PROFIT NET PROFIT-SBI
SBI
Year N. PROFIT Trend Year N.PROFIT Trend
2007-08 14355215 100 2007-08 67291247 100
2008-09 22272018 155.1 2008-09 91212265 135.5
2009-10 30583310 213 2009-10 91660530 136.2
2010-11 42416797 295.5 2010-11 82645190 122.8
2011-12 50069562 348.8 2011-12 117072886 174
2012-13 44807200 312.1 2012-13 141049849 209.6
2013-14 45410830 316.3 2013-14 108911717 161.9
Average 35702133.14 Average 99977669.14
ANALYSIS: From the about comparative table found that the average of NET
PROFIT in Bank of Baroda and State Bank of India having average value
35702133.14 and 99977669.14 Respectively it has clearly identify the NET PROFIT
of average in SBI is higher than BOB’s NET PROFIT.
PROFIT
CHART-5.17
[356]
HYPOTHESIS TESTING:
H0= There is no significant difference in NET PROFIT of Bank of Baroda and state
Bank of India.
H1= There is significant difference in NET PROFIT of Bank of Baroda and state Bank of
India.
TABLE-5.34
T-TEST OF NET PROFIT OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 35702133.14 19716202.65 6 6.09 1.78
SBI 99977669.14
INTERPRETATION:
The above calculation of T- test (of the comparison of NET PROFIT Bank Of
between NET PROFIT of Bank Of Baroda and State Bank Of India.
[357]
(5.19) COMPARISON OF NET PROFIT BEFORE TAXES
XES
BETWEEN BOB AND SBI:
TABLE-5.35
NETPROFITBEFORETAXES
NETPROFITBEFORETAXES-BOB NETPROFITBEFORETAXES
NETPROFITBEFORETAXES-SBI
Year NPB TAXES Trend Year NPB TAXES Trend
2007-08 22071563 100 2007-08 104389003 100
2008-09 33429447 151.5 2008-09 141806429 135.8
2009-10 42380599 192 2009-10 139260961 133.4
2010-11 56503210 256 2010-11 149542312 143.3
2011-12 60257975 273 2011-12 184833060 177.1
2012-13 48312296 218.9 2012-13 199508977 191.1
2013-14 54973147 249.1 2013-14 161738865 154.9
Average 45418319.57 Average 154439943.9
ANALYSIS: From the about comparative table found that the average of NET
PROFIT BEFORE TAXES in Bank of Baroda and State Bank of India having average
value 45418319.57 and 154439943.9 Respectively it has clearly identify the NET
PROFIT BEFORE TAXES of average in SBI is higher than BOB’s NET PROFIT
BEFORE TAXES.
CHART-5.18
[358]
HYPOTHESIS TESTING:
H0= There is no significant difference in NET PROFIT BEFORE TAXES of Bank of

Baroda and state Bank of India.
H1= There is significant difference in NET PROFIT BEFORE TAXES of Bank of Baroda
TABLE-5.36
T-TEST OF NET PROFIT BEFORE TAXES OF BANK OF BARODA AND STATE

BANK OF INDIA

GROUP
BOB 45418319.57 24269521.33 6 8.40 1.78
SBI 154439943.9
INTERPRETATION:
The above calculation of T- test (of the comparison of NET PROFIT BEFORE
TAXES Bank Of Baroda and State Bank Of India) result out that there is no
significance different between NET PROFIT BEFORE TAXES of Bank Of Baroda and
[359]
(5.20) COMPARISON OF PROFIT PER EMPLOYES BETWEEN
TABLE-5.37
PROFIT PER EMPLOYES-BOB

EMPLOYE PROFIT PER EMPLOYES-SBI
EMPLOYES-
Year PPE(RS.) Trend Year PPE.(RS) Trend
2007-08 394000 100 2007-08 373000 100
2008-09 605000 153.6 2008-09 474000 127.1
2009-10 785000 199.2 2009-10 446000 119.6
2010-11 1059000 268.8 2010-11 385000 103.2
2011-12 1187000 301.3 2011-12 531000 142.4
2012-13 1039000 263.7 2012-13 645000 172.9
2013-14 987000 250.5 2013-14 485000 130
Average 865142.8571 Average 477000
ANALYSIS: From the about comparative table found that the average of PROFIT
PER EMPLOYES in Bank of Baroda and State Bank of India having average value
865142.85 and 477000 Respectively it has clearly identify the PROFIT PER
EMPLOYES of average in SBI is higher than BOB’s PROFIT PER EMPLOYES.
CHART-5.19
[360]
HYPOTHESIS TESTING:
H0= There is no significant difference in PROFIT PER EMPLOYES of Bank of Baroda

H1= There is significant difference in PROFIT PER EMPLOYES of Bank of Baroda and
TABLE-5.38
T-TEST OF PROFIT PER EMPLOYES OF BANK OF BARODA AND STATE BANK

OF INDIA

GROUP
BOB 865142.8571 210905.75 6 3.44 1.78
SBI 477000
INTERPRETATION:
The above calculation of T- test (of the comparison of PROFIT PER

EMPLOYES Bank Of Baroda and State Bank Of India) result out that there is no
significance different between PROFIT PER EMPLOYES of Bank Of Baroda and
[361]
(5.21) COMPARISON OF REVENUE BETWEEN BOB AND SBI:
TABLE-5.39
REVENUE
REVENUE-BOB REVENUE-SBI
Year Revenue Trend Year Revenue Trend
2007-08 11895.14 100 2007-08 51493.43 100
2008-09 15465.2 130 2008-09 71563.34 139
2009-10 17014.16 143 2009-10 81244.5 157.8
2010-11 21743.87 182.8 2010-11 91642.48 178
2011-12 29063.31 244.3 2011-12 114080.91 221.5
2012-13 33876.7 284.8 2012-13 127139.47 246.9
2013-14 38421.82 323 2013-14 145647.12 282.8
Average 23925.74286 Average 97544.46429
REVENUE in Bank of Baroda and State Bank of India having average value
23925.74286 and 97544.46429 Respectively it has clearly identify the REVENUE of
average in SBI is higher than BOB’s REVENUE.
CHART-5.20
[362]
HYPOTHESIS TESTING:
H0= There is no significant difference in REVENUE of Bank of Baroda and state Bank
of India.
H1= There is significant difference in REVENUE of Bank of Baroda and state Bank of
India.
TABLE-5.40
T-TEST OF REVENUE OF BANK OF BARODA AND STATE BANK OF INDIA

GROUP
BOB 23925.74286 24433.27 6 5.63 1.78
SBI 97544.46429
INTERPRETATION:
The above calculation of T- test (of the comparison of REVENUE Bank Of

between REVENUE of Bank Of Baroda and State Bank Of India.
[363]
(5.22) COMPARISON OF BOOK VALUE PER SHARE BETWEEN
TABLE-5.41
BOOK VALUE PER SHARE-BOB
SHARE BOOK VALUE PER SHARE-SBI
SHARE
Year BVPS.(Rs.) Trend Year BVPS(RS.) Trend
2007-08 261.54 100 2007-08 776.48 100
2008-09 312.61 119.5 2008-09 912.73 117.5
2009-10 378.44 144.7 2009-10 1038.76 133.8
2010-11 505.71 193.4 2010-11 1013.82 130.6
2011-12 637.37 243.7 2011-12 1214.78 156.4
2012-13 729.11 278.8 2012-13 1394.79 179.6
2013-14 813.5 311 2013-14 1503.43 193.6
Average 519.7542857 Average 1122.112857
ANALYSIS: From the about comparative table found that the average of BOOK
VALUE PER SHARE in Bank of Baroda and State Bank of India having average
value 519.7542857 and 1122.112857 Respectively it has clearly identify the BOOK
VALUE PER SHARE of average in SBI is higher than BOB’s BOOK VALUE PER
SHARE.
CHART-5.21
[364]
HYPOTHESIS TESTING:
H0= There is no significant difference in BOOK VALUE PER SHARE of Bank of Baroda
H1= There is significant difference in BOOK VALUE PER SHARE of Bank of Baroda
TABLE-5.42
T-TEST OF BOOK VALUE PER SHARE OF BANK OF BARODA AND STATE BANK
OF INDIA

GROUP
BOB 519.7542857 238.75 6 4.72 1.78
SBI 1122.112857
INTERPRETATION:
The above calculation of T- test (of the comparison of BOOK VALUE PER
SHARE Bank Of Baroda and State Bank Of India) result out that there is no
significance different between BOOK VALUE PER SHARE of Bank Of Baroda and
can concluded that there is signification different
[365]
REFERENCE:
• Annual reports bank of baroda

• Annual reports state bank of india
• Microsoft excel
• Digital calculator
• Comparative Performance of Public sector Banks in India S. B. Swami & G.
Subrahmanyam
• Balance Sheet Analysis B. Ramchandra Rao Progressive Corporation Pvt.
Ltd., Mumbai (1991)
• Practical Financial Statement Analysis Foulke, A. Roy Tata Mcgraw Hill
Publishing Co. Ltd., Mumbai. (1996)
• Financial Management M.Y. Khan & P.K. Jain Tata Mcgraw Hill Publishing
Co. Ltd., Mumbai. (1996)
• Technical allocative and Scale Efficiency of Public Sector Banks in India
• www.rbi.org.in
• Indian Journal of Accounting
• Financial Management - Principles & Practics S.N. Maheshwari Sultan
Chand & Sons New Delhi.
[366]

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CHEPTER-5

COMPARATIVE ANALYSIS OF BANK OF BARODA

SR.NO. PARTICULAR PAGE

(5.2) COMPARISON OF DEPOSIT BETWEEN BOB AND SBI:

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of DEPOSIT Bank Of Baroda

BORROWINGS – BOB BORR0WINGS-SBI

COMPARISION OF BOB&SBI BORROWINGS

2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013--14

T-TEST OF BORROWINGS OF BANK OF BARODA AND STATE BANK OF INDIA

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of BORROWINGS Bank Of

T-TEST OF RESERVES & SURPLUS OF BANK OF BARODA AND STATE

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of RESERVES &

COMPARISON OF BOB&SBI C.&B.

T-TEST OF CASH & BALANCES OF BANK OF BARODA AND STATE

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of CASH & BALANCES

H0= There is no significant difference in BALANCES WITH BANKS of Bank of Baroda

H1= There is significant difference in BALANCES WITH BANKS of Bank of Baroda

T-TEST OF BALANCES WITH BANKS OF BANK OF BARODA AND

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of BALANCE WITH

2009-10 611823754 139.5 2009-10 2857900706 150.8

H0= There is no significant difference in INVESTMENT of Bank of Baroda and state

T-TEST OF INVESTMENT OF BANK OF BARODA AND STATE BANK

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of INVESTMENT Bank

T-TEST OF ADVANCES OF BANK OF BARODA AND STATE BANK OF INDIA

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of ADVANCES Bank Of

COMPARISON OFBOB&SBI FIXED ASSETS

T-TEST OF FIXED ASSETS OF BANK OF BARODA AND STATE BANK OF INDIA

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of FIXED ASSETS Bank

T-TEST OF INTEREST OF BANK OF BARODA AND STATE BANK OF INDIA

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of INTEREST Bank Of

T-TEST OF CAPITAL OF BANK OF BARODA AND STATE BANK OF INDIA

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of CAPITAL Bank Of

T-TEST OF INCOME OF BANK OF BARODA AND STATE BANK OF INDIA

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of INCOME Bank Of Baroda

ANALYSIS: From the about comparative table found

H0= There is no significant difference in EXPENDITURE of Bank of Baroda and state

T-TEST OF EXPENDITURE OF BANK OF BARODA AND STATE BANK OF INDIA

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test ( of the comparison of EXPENDITURE Bank Of

ANALYSIS: From the about comparative table found

H0= There is no significant difference in APPROPRIATION of Bank of Baroda and state

H1= There is significant difference in APPROPRIATION of Bank of Baroda and state

T-TEST OF APPROPRIATION OF BANK OF BARODA AND STATE BANK OF

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

The above calculation of T- test (of the comparison of APPROPRIATION Bank

T-TEST OF EARNING PER SHARE OF BANK OF BARODA AND STATE BANK OF

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.

H0= There is no significant difference in BRANCHIES IN INDIA of Bank of Baroda and

H1= There is significant difference in BRANCHIES IN INDIA of Bank of Baroda and

T-TEST OF BRANCHIES IN INDIA OF BANK OF BARODA AND STATE BANK OF

NAME OF MEAN S.D. D.F. ‘T’C.V. ‘T’ T.V.