A PROJECT ON “TO STUDY THE FUNDAMENTAL AND TECHNICAL

ANALYSIS OF STATE BANK OF INDIA AND ITS IMPACT ON

CUSTOMERS”

Submitted to

University of Mumbai For Partial Completion of Degree of Bachelor of

Commerce (Accounting And Finance) Semester VI 2021-22

Submitted By
SAKSHI VILAS SARANG Roll No. 527
Under The Guidance Of

PROFESSOR: NEHA MISHRA

Uttari Bharat Sabha’s

RAMANAND ARYA D.A.V. COLLEGE, (AUTONOMOUS) DATAR COLONY,
BHANDUP (E), MUMBAI- 400042. MARCH, 2021-22
 A PROJECT ON “TO STUDY THE FUNDAMENTAL AND TECHNICAL
ANALYSIS OF STATE BANK OF INDIA AND ITS IMPACT ON
CUSTOMERS”

Submitted to

University of Mumbai For Partial Completion of Degree of Bachelor of

Commerce (Accounting And Finance) Semester VI 2021-22

Submitted By
SAKSHI VILAS SARANG Roll No. 527
Under The Guidance Of

PROFESSOR: NEHA MISHRA

Uttari Bharat Sabha’s

RAMANAND ARYA D.A.V. COLLEGE, (AUTONOMOUS) DATAR COLONY,
BHANDUP (E), MUMBAI- 400042. MARCH, 2021-22
 Uttari Bharat Sabha’s
RAMANAND ARYA D.A.V. COLLEGE, (AUTONOMOUS) DATAR COLONY,
BHANDUP (E), MUMBAI- 400042. MARCH, 2021-22

CERTIFICATE
This is to certify that Ms. SAKSHI VILAS SARANG , ROLL NO. 527 has worked and duly
completed Her project work for the degree of Bachelor in Commerce (Accounting &Finance) under
the faculty of commerce in the subject of Account and Finance and her project is entitled, “TO
STUDY THE FUNDAMENTAL AND TECHNICAL ANALYSIS OF STATE BANK OF
INDIA” under my supervision.

I further certify that the entire work has been done by the learner under my guidance and that no part
of it has been submitted previously for any degree of diploma of any University.
It is her own work and facts reported by her personal findings and investigation

Date -

Mrs. Chandrakala Srivastava Dr. Ajay Bhamare

Course Coordinator Principal

Prof. NEHA MISHRA

Project Guide/ Internal Examiner External Examiner
 DECLARATION BY LEARNER

I the undersigned Ms. SAKSHI VILAS SARANG here by, declare that the work embodied in this project
work titled “TO STUDY FUNDAMENTAL AND TECHNICAL ANALYSIS OF STATE BANK
OF INDIA”
forms my own contribution to the research work carried out under the guidance of
Mrs. NEHA MISHRA is a result of my own research work and as not been previously submitted to any
other University for any other Degree / Diploma to this or any other University.

Wherever reference has been made to previous work of others, it has been clearly indicated as such and
included in the bibliography.

I, here by further declare that all information of this document has been obtained and presented in
accordance with academics rules and ethical conduct.

Ms. Sakshi vilas sarang

Name & signature of the learner

Certified By

Mrs. NEHA MISHRA

Name & signature of the Guiding professor

 ACKNOWLEDGEMNT

To list who all have helped me is difficult because they are so numerous and the depth is so enormous.

I would like to acknowledge the following as being idealistic channels and fresh dimensions in
the completion of this project.
I take this opportunity to thank the University of Mumbai for giving me chance to do this project.

I would like to thank my Principal, Dr.Ajay Bhamre for providing the necessary facilities required for
completion of this project.
I take this opportunity to thank our Coordinator Mrs.Chandrakala Shrivastava for her moral support
and guidance.
I would also like to express my sincere gratitude towards my project guide Mrs
Neha Mishra whose guidance and care made the project successful.

I would like to thank College Library, for having provided various reference books and
magazines related to my project.
Lastly, I would like to thank each and every person who directly and indirectly helped me in the
completion of the project especially my parents and peers who supported me throughout my
project.
 INDEX

SR.NO TOPIC NAME

CHAPTER I

1.1 Introduction

1.2 History Of Banking In India

1.3 Theoretical Background

1.4 Industrial Profiles

1.5 Company Profiles

1.6 Objective Of State Bank

1.7 Product Profiles

1.8 The Industrial Growth

1.9 About Logo

1.10 Vision , Mission , Value

1.11 SWOT Analysis

CHAPTER II

2.1 Objective Of Study

2.2 Hypothesis

2.3 Scope Of Study

2.4 Needs Of Study

2.5 Statements Of Problems

2.6 Limitation Of The Study

 2.7 Data Collection

2.8 Analysis Overlook

CHAPTER III

3.1 Literature Review

CHAPTER IV

4.1 Data Analysis & Interpretation

CHAPTER V

5.1 Finding

5.2 Suggestion

5.3 Conclusion
 EXECUTIVE SUMMARY

The report “Fundamental and Technical Analysis of State Bank of India” is a study to analyze the
strength and weakness of the shares of the Bank. The main aim of the study is to suggest the investors,
whether to buy or sell the shares, based on the valuation (underpriced or overpriced) of shares. Also to
analyze the trend (Bullish or Bearish) of the shares in the market. The secondary objective of the study
is to analyze the company’s performance.

To analyze the share, Fundamental and Technical analyses are used. In the fundamental analysis,
Economic, Industry and company analysis is used. In technical analysis, tools like Moving Average,
Relative Strength Index and Rate of Change are used. In fundamental analysis ratio analysis is done to
examine the performance of the company. In the technical analysis, the movement of the corresponding
graphs are studied to interpret whether to buy or sell or hold the share.
 CHAPTER I

1.1 INTRODUCTION

The banking sector is the lifeline of any modern economy. It is one of the important financial
pillars of the financial sector, which plays a vital role in the functioning of an economy. It is very
important for economic development of a country that its financing requirements of trade, industry
and agriculture are met with higher degree of commitment and responsibility. Thus, the
development of a country is integrally linked with the development of banking. In a modern
economy, banks are to be considered not as dealers in money but as the leaders of development.
They play an important role in the mobilization of deposits and disbursement of credit to various
sectors of the economy. The banking system reflects the economic health of the country. The
strength of an economy depends on the strength and efficiency of the financial system, which in
turn depends on a sound and solvent banking system. A sound banking system efficiently
mobilized savings in productive sectors and a solvent banking system ensures that the bank is
capable of meeting its obligation to the depositors. In India, banks are playing a crucial role in
socio-economic progress of the country after independence. The banking sector is dominant in
India as it accounts for more than half the assets of the financial sector. Indian banks have been
going through a fascinating phase through rapid changes brought about by financial sector reforms,
which are being implemented in a phased manner. The current process of transformation should be
viewed as an opportunity to convert Indian banking into a sound, strong and vibrant system capable
of playing its role efficiently and effectively on their own without imposing any burden on
government. After the liberalization of the Indian economy, the Government has announced a
number of reform measures on the basis of the recommendation of the Narasimhan Committee to
make the banking sector economically viable and competitively strong. 2 The current global crisis
that hit every country raised various issue regarding efficiency and solvency of banking system in
front of policy makers. Now, crisis has been almost over, Government of India (GOI) and Reserve
Bank of India (RBI) are trying to draw some lessons. RBI is making necessary changes in his
policy to ensure price stability in the economy.

1
 The main objective of these changes is to increase the efficiency of banking system as a whole as
well as of individual institutions. So, it is necessary to measure the efficiency of Indian Banks so
that corrective steps can be taken to improve the health of banking system.

1.2 History of Banking in India (Before & After Independence):

The banking system is considered as the backbone of a nation's economy. Modern banking in India

originated in the last decade of the 18th century. We have come up with the history of banking, before

and after independence.

The history of banking began when empires needed a way to pay for foreign goods and services with
something that could be exchanged or facilitated easily. Prior to this, banking procedures were carried by
informal methods in the ancient World. However, formal banking has been developed around the 20th century.
In India, banking has developed from the primitive to the modern stage of banking in a fashion that has no
parallel in world history.

Today, the Indian banking system is divided into commercial banks (Both Public, Private Banks, schedules and
non-scheduled), Regional Rural Banks, Cooperative Banks, etc. In this article, we will dig deeper to make you
understand different phases of the Indian Banking system along with other interesting facts.

2
3
1.3 THEORETICAL BACKGROUND

FUNDAMENTAL ANALYSIS:

Fundamental Analysis is the examination of the basic powers that influence the prosperity of
the economy, business gatherings and organizations. Similarly as with most examination, the
objective is to build up an estimate of future value development and benefit from it. At the
organization level, Fundamental Analysis might include examination of money related information,
administration, business idea and rivalry. At the business level, there may be an examination of supply
and demand strengths of the goods. For the country’s economy, basic examination may concentrate
on financial information to evaluate the present and future development of the economy.

To gauge future stock costs, fundamental examination consolidates financial, industry, and
organization investigation to infer a stock's reasonable worth called intrinsic value. In the event that
reasonable worth is not equivalent to the present stock value, major examiners trust that the stock is
either over or underestimated. As the present business sector cost will eventually float towards
reasonable worth, the reasonable quality ought to be assessed to choose whether to purchase the
security or not. By trusting that costs don't precisely mirror all accessible data, crucial examiners hope
to gain by supposed value disparities.

Fundamental Analysis is a strategy for attempting so as to assess a security to calculate its

intrinsic worth by inspecting related monetary, budgetary and other subjective and quantitative
components. Fundamental experts endeavor to consider everything that can influence the securities
worth, including macroeconomic components (like the general economy and industry situations) and
particular variables (like the budgetary position and administration of organizations).

4
A) OBJECTIVES OF FUNDAMENTAL ANALYSIS

• To anticipate the course of country’s economy in light of the fact that financial action
influences the organization’s benefit, shareholders dispositions and desire and eventually
share value.

• To evaluate the share value variation by concentrating on the strengths working in the general
economy, and additionally impacts curious to commercial ventures and organizations. • To
Choose the perfect time and right shares

B) THREE STAGES OF FUNDAMENTAL ANALYSIS

Analyzing of the country’s economy and improvements (Economic Analysis)

1) Examining the possibilities of the business to which the firm has a place (Industry Analysis)

2) Evaluating the anticipated act of the organization (Company Analysis)

The three stage examination of fundamental investigation is likewise called as an EIC

(Economy-Industry-Company investigation) structure or a top-down methodology
Here the money related investigator first makes estimates for the economy, then for commercial
ventures lastly for organizations. The business figures depend on the conjectures for the economy and
thus, the organization estimates depend on the gauges for both the business and the economy. Likewise
in this methodology, industry gatherings are looked at in contrast to other industry gatherings and
organizations in contrast to different organizations. As a rule, organizations are contrasted and others in
the same gathering.

Hence, the fundamental investigation is a three stage examination of

a) The economy

b) The industry and

c) The organization

5
TECHNICAL ANALYSIS:

Fundamental investigation and Technical examination are the two major ways to deal with
security examination. Technical investigation is habitually utilized as a complement to fundamental
examination as opposed to as an auxiliary to it. By investigation, the cost of stock relies on upon
interest and supply in the commercial center. It has little relationship with the intrinsic worth. All
money related information and business sector data of a given stock is now reflected in its business
sector cost.

Technical examiners have created devices and procedures to concentrate on historical cases
and foresee future cost. Specialized investigation is fundamentally the investigation of the business
sectors as it were. Technical investigators consider the specialized qualities which might be normal
at business sector defining moments and their goal evaluation. The past defining moments are
examined with a perspective to build up a few attributes that would help in recognizable proof of
significant business sector max and min. People responses are, all around predictable in comparative
however not indistinguishable response; with his different devices, the expert endeavors to accurately
get changes in pattern and exploit them.
Technical investigation is coordinated towards anticipating the price of a share. The cost at which
a purchaser and vender resolve an agreement is thought to be the exact figure which union, weighs lastly
communicates all variables, normal and nonsensical, measurable and non- measurable and is the main
assume that matters.

Moving Average
Moving Average is a pointer which demonstrates the average worth of share’s value over a
period. While ascertaining a moving average, a scientific investigation of the share's average worth over
a prearranged time is prepared. As the share value deviates, its average price changes high or low.

Interpretation:

The well-known technique for deciphering a moving average look at the bond among a
moving averages of share's value by the share's value. A purchase sign is created while the share
value ascends over its moving average & an offer sign is produced while the share value falls
underneath the moving average.

6
 The moving average exchanging framework is not proposed to become at the precise base nor
at the definite top. Maybe, it is intended to retain you in accordance with the share price pattern by
purchasing not long after the share price bottoms and offering soon later its max.
Basic component in a moving average is sum of interval utilized as a part of figuring the
average. At the point when utilizing knowledge of the past, you can simply locate a moving average
which will be beneficial. 39 week or 200 day moving average is the well-known moving average.
This moving normal is a brilliant reputation in scheduling the main (lengthy term) market movements.

Price Rate Change

The Price Rate-of-Change ("ROC") pointer shows distinction among the present price & the
price x-time periods prior. Distinction is shown either in points or as a rate. The Momentum pointer
shows the exact data, however communicates as a proportion.

Interpretation:
The security prices flow fast and withdraw in a repeating wave-like movement. This recurrent
activity is the aftereffect of the varying desires as bulls and bears battle to regulate prices.

The wave-like movement in an oscillator design is done by computing the sum that values
have altered above a given time. As prices expand, the ROC increases; as prices decrease, the ROC
drops. The more prominent adjustment in prices, the more prominent adjustment in ROC.

Time utilized to figure the ROC might extend from 1-day (that brings about an unstable graph
demonstrating the day by day value alteration) to 200-days. 12 & 25 day ROC is the well- known
periods for small to intermediary exchanging. The time were advanced by Gerald Appel and Fred
Hitschler.
12 day ROC is a phenomenal small to medium term over purchased/oversold pointer. The
greater the ROC, the more over purchased the stock; the lesser the ROC, the high probable an
oversold. Be that as it may, as with all over purchase/oversold pointers, it is reasonable to hold for
the market to start to amend before setting your business. A market that shows up overbought might
continue overbought for quite a while. Truth be told, to a great degree overbought/oversold readings
as a rule infer an extension of the present pattern.
The 12-day ROC has a tendency to become extremely recurrent, wavering forward and
backward in a genuinely general cycle. Regularly, value deviations can be expected by considering
the past rotations of the ROC and connecting the past rotations to the market

7
Relative Strenghth Index

The Relative Strength Index ("RSI") is a prevalent oscillator. Initially presented by Welles Wilder in a
Magazine (June 1978).The "Relative Strength Index" is somewhat deceptive the Relative Strength Index does
not reflect about the relative power of two stocks, yet more the inward power of a solitary share. A suitable title
may be "Internal Strength Index."

Interpretation:
At the point when Wilder presented the Relative Strength Index, he suggested utilizing a
14day Relative Strength Index. From that point forward, 9day and 25day Relative Strength Indexes
additionally picked up prevalence. The less days utilized to figure the Relative Strength Index, the
further unpredictable the pointer.

The Relative Strength Index is a worth taking after oscillator that arrays somewhere around 0
&100. A famous technique for investigating the RSI is to search for a dissimilarity where the share
is making another top, yet the RSI is neglecting to exceed its past high. This dissimilarity means that
a looming inversion. A failure swing is at the point when the RSI turns down and decreases beneath
latest trench. The failure swing is viewed as an affirmation of the looming inversion.

In Mr. Wilder's book, he deliberates five usages of the Relative Strength Index:

1. Tops and Bottoms. The RSI normally best is 70 above and bottoms is underneath 30. It for
the most part structures these max and min afore the fundamental value outline.
2. Chart Formations. The RSI regularly frames diagram, for example, head and shoulders or
triangles that could conceivably be obvious on the value outline.
3. Failure Swings. This is the place the RSI surpasses a past top or drops underneath a late low
(trough).
4. Support and Resistance. The RSI appears, infrequently further plainly than value
themselves, stages of support and resistance.
5. Divergences. Divergences happen while the value makes another high or low which is not
affirmed by another high or low in the RSI.

8
1.4 INDUSTRY PROFILE

For the country and public in it banking industry is a helping hand. Banking supported in
improving economy and guide in the advancement of Indian skyline. The division converted trust
and desire of number of individuals into actuality. But to do as such, it is needed to regulate number
of challenges, endure the humiliations of foreign regulation and the pains of division. Nowadays,
banks in India can certainly contend with present world banks.
Earlier in twentieth century, moneylending, and giving high premium loan, was extensively
dominant in India. Joint stock banks and advancement of Cooperative movement has taken the
business from the money lender in India, who are still in India but lost their threatening side
Cooperative banks exist in India side by side with commercial banks and undertake an
additional part in providing need-based money, mainly for farming and agriculture-related business
including cultivating, livestock, dairy, hatchery, individual loans etc. alongside few commercial
enterprises and self-service motivated activities.

The local banked acted an awfully necessary part in East India Company in the Mughal period.
The first Joint Stock Company to be founded was the general bank of India in the year 1786. Earlier
nineteenth century the East India Company organized 3 banks

In 1809, the Bank of Bengal.

In 1840, the Bank of Bombay and
In 1843 the bank of madras

These banks were together called as Presidency Banks, stood autonomous divisions and
worked also. The three banks was combined in the year 1920 and another, the Imperial Bank of India
was organized on 27th January of the year 1921. When the SBI Act was passed in the year 1955, the
effort of the Imperial Bank of India was controlled by State Bank of India.

The RBI, the national bank, was established in 1935, after passing RBI act 1934. As the swadeshi
program raised, many banks with Indian administration were built up in the nation in particular, Punjab
National Bank ltd., Bank of India ltd., Canara Bank Ltd., the Bank of Baroda Ltd., and the Central Bank
of India Ltd.14 noteworthy banks of India in were nationalized in the year 1969 and again in 1980 6
more banks were nationalized.
Currently in India Commercial system may be divided as follows

9
  Public sector banks

• SBI & its secondary named the State Bank group.

• 2national banks.

• Regional rural banks mostly supported by public segment.

 Private sector banks

• Ancient banks.

• Novel private banks.

• External banks.

• Scheduled banks.

• Non-scheduled banks.

Banking in India started in the primary period of eighteenth era in 1786 by the appearance of the
General Bank of India. Which was trailed by Bank of Hindustan. These banks are presently old. Later,
Indian government set up three banks in the country. Which were the Bank of Bengal in 1809, the
other banks, known as the Bank of Madras and the Bank of Bombay, were set in 1843 and 1840,
correspondingly. These presidency banks stood joined into the Imperial Bank of India beneath the
Imperial Bank of India Act, 1920.

Two or after three decades Credit Lyonnais begin Calcutta processes in 1850. By then, Calcutta
became best dynamic exchanging place, basically because of business of the British Domain, and
because of that finance movement originated and flourished there. Allahabad Bank was the 1st wholly
claimed Indian bank which was built up in the year 1856.

By the nineteenth century, with foundation of banks for example Punjab National Bank and Bank of
India – business got extended, which were established under private possession. From 1935the RBI
officially tackled obligation of controlling the national lending area. RBI got nationalized after
independence and was given extensive influences.

The banking foundations extended & turn out to be progressively unpredictable underneath
the effect of deregulation, advancement and innovative upgradation, it is critical to keep up harmony
among proficiency and security. In the past 30 years from nationalization gigantic deviations have
occurred in the budgetary markets and also in the banking sector because of monetary area changes.

10
 The banks have made their conventional capacities and was developing, enhancing and turning out
with novel sorts of administrations to cook rising requirements of the clients. Banks was given more

independence to outline their own particular approaches. Quick headway of innovation has
added to critical decrease in exchange costs, encouraged more prominent expansion of diversification
and enhancement in credit conveyance of banks. Provident standards, in accordance with worldwide
norms, was placed for advancing & upgrading banks’ proficiency.

Regardless this excellent advancement, difficult issues have risen replicating in a reduction in
efficiency and effectiveness, and breakdown of productivity of banking system. The characteristics
of advance portfolio has been worsening and has been seen in the method of capital asset
enhancement and in era of bank’s wage. Capital shortage together with insufficiency of advance loans
procurements effect negatively the investor’s certainty. Government, subsequently, organized a
committee called “Narasimham” to investigate difficulties and prescribe ways for financial sector to
expand the reliability.

The acknowledgement of proposals made by the Narasimham Committee, has brought about
change to heretofore exceptionally control and over administered banking sector into market obsessed
and greatly aggressive one.

The huge & fast extension & enhancement of banking was been without any stresses. Banking industry
is arriving another phase in it will be threatening expanding challenge from non- banks in local market
and worldwide. Operational arrangement of banking in India is relied upon to experience a significant
variation amid the following period. With rise of private banks, the private bank area has improved &
differentiated with emphasis to the wholesale and also retail banking. The current banks have large
number of branches, while the private banks have the influenced by gigantic capital and the ability of
creating refined financial items and utilization of best in class innovation.

Continuous deregulation that is being introduced in while fortifying the opposition would
likewise encourage forging commonly helpful connections, which would at last upgrade banks
excellence and substance. The banking background in India gave a worthy account, fair with united
endeavors of Development banks, regional rural banks and cooperative banks will give a good
amount of viable retail channels in order to fulfill the increasing financial problems. The
technological stage has likewise influenced the system of banking, prompting quick electronic fund
transfer. Be that as it may, the advancement of electronic banking has additionally prompted new 11
 regions of danger, for example, information safety and reliability requiring new systems of hazard
management.

1.5 Company Profile

The starting point of the State Bank of India backtracks in the principal decade of the nineteenth
century with the foundation of the Bank of Calcutta in Calcutta (2 June 1806) the State Bank of India
had a turning point in the beginning of 19th century. 3 years after the bank was re- planned to the Bank
of Bengal on 2 January 1809. An interesting establishment, it was the main bank supported by the
Government of Bengal which was under the control of British India. The Bank of Bombay, started on 15
April 1840, and the Bank of Madras, founded on 1 July 1843, amalgamated the Bank of Bengal.
The 3 of these banks together got mixture on 27 January 1921 and were known as Imperial bank of
India. State Bank of India was formed on 1 July, 1955, with the formation of the State Bank of India
Act, 1955, by adopting properties of the Imperial Bank of India.

SBI was conceived with another feeling of social reason with the help of 480 workplaces
including divisions, sub workplaces and Local Head Offices acquired from the Imperial Bank. The
idea of managing an account like negligible vaults of group investment funds & loan specialists to
reliable gatherings was almost immediately to offer route to idea of deliberate saving money serving
the developing & broadened budgetary necessities of arranged monetary advancement. The State
Bank of India was bound to go about as the leader in the appreciation & help the Indian managing
an account framework into the energizing field of national improvement.

Functions
1. The bank performs the general commercial bank functions such as accepting deposits, giving
loans, providing remittances, issuing letters of credit etc.
2. It performs as the agent of the Reserve Bank in places where there are no branches of the
RBI.
3. It acts as an agent of the registered co-operative banks.

4. It is authorized to buy and sell of gold and silver.

5. It underwrites the issue of stocks, shares and other securities.

SBI can subscribe share capital, or to buy or sell of any banking companies’ shares in the market. It is
also authorized to form or operate its subsidiary banking companies. 12
The items and administrations of State Bank of India:

 Personal Banking:

• SBI Loan for Pensioners

• SBI Term Deposits

• Credit (Mortgage of Property)

• SBI Recurring Deposits

• SBI Housing Loan

• SBI Car Loan

• Credit (Shares and Debentures)

• Rent plus Scheme

• Medic-Plus Scheme

• SBI Educational Loan

• Rates of Interest

• SBI Personal Loan

Provincial/Agricultural

SBI provides to necessities of landless rural workers and agriculturists using a system
containing 6600 rustic &semi-urban divisions. 972 specific divisions have been organised
in various areas of the nation solely for improving horticulture using credit arrangement.
These divisions incorporate 427 Agricultural Development Branches (ADBs) &547
divisions with DBDs and 2 Agricultural Business Divisions at Hyderabad and Chennai
obliging the requirements of greetings tech business farming activities.

The arrangements for provincial individuals

• PRODUCE MARKETING LOAN SCHEME

• CROP LOAN (ACC)
13
 • LOAN AGAINST WAREHOUSE RECEIPTS/COLD STORAGE RECEIPTS

• AGRICULTURAL TERM LOANS (ATL)

• KISAN CREDIT CARD SCHEME (KCC)

• MINOR IRRIGATION SCHEMES

• FARM Mechanization SCHEMES

• LAND DEVELOPMENT SCHEMES

• FINANCING OF COMBINE HARVESTERS

• LAND PURCHASE SCHEME

• KISAN GOLD CARD SCHEME

• KRISHI PLUS SCHEME

• ARTHIAS PLUS SCHEME

• BROILER PLUS SCHEME

• DAIRY PLUS SCHEME

• FINANCE TO HORTICULTURE

• AGRI BUSINESS HEADS

• LEAD BANK SCHEME

Government Business
SBI's connection with Government trade are far reaching. There is no big surprise in that
beyond 9315 divisions in India, around 7000 divisions are leading Government Business. The
extensive system of our divisions gives simple entree to the normal people to store accompanying
Government levy & benefits installments.

SBI e-impose is an online duty installment office which spares time, both paperless and free.
It is accessible on a 24x7 premise & empowers clients to pay charges on the web, effortlessly and
effortlessness. Pay Direct/Indirect charges using SBI e-impose and also unwind. Other government
organizations incorporate government accounts, open prudent asset &elder native's annuity plan.
 Corporate Banking

SBI is a one shop giving budgetary items/administrations of variety for huge, intermediate
and little clients equally household and global.
14
 • Working Capital Financing

Help amplified equally as Fund and Non-Fund based offices to proprietary concerns, Partnership
firms and Corporates.

• Term Loans

To bolster capital consumptions for organizing new pursuits additionally for extension, redesign and
so forth.

• Conceded Payment Guarantees

To bolster buy of capital types of gear.

• Corporate Loans

For an assortment of trade related purposes to MNCs.

• Send out Credit:

To Corporates/Non Corporates

5.E-Banking: Following are the administrations gave by SBI online-

a. RTGS/NEFT

b. SBI VISHWA YATRA FOREIGN TRAVEL CARD

c. SERVICE CHARGES AND FEES

d. ATM SERVICES

e. INTERNET BANKING

f. E-PAY

g. E-RAIL
15
 h. RBIEFT

i. SAFE DEPOSIT LOCKER

j. BROKING SERVICES

k. MAGNETIC INK CHARACTER RECOGNITION (MICR)

6 Worldwide Banking:

Worldwide banking administrations of SBI are conveyed in order to give the advantage to its Indian
clients, non-occupant Indians, remote elements and banks using a system of 67 workplaces/divisions in 29
nations. The system is expanded by a bunch of Foreign and NRI divisions inside India & reporter joins with
more than 522 banks. Bank's Subsidiaries and joint ventures in foreign countries additional emphasize the
Bank's global vicinity

1.6 Objective Of State Bank Of India

The State bank of india has been established to operate on the normal commercial principles

,with the only difference that unlike other commercial bank in the country, it takes into

consideration and respond in a progressively liberal manner the financial requirements of

cooperative institution and small scale industries particularly in the rural area of the country.

The main objective of the state bank are :

I. To act in accordance with the board economic policies of the government

II. To encourage and mobilise saving by opening branches in rural and semi-urban area and to
promote rural credit

III. To established government partnership in the provision of cooperative credit

IV. To extend financial help for the establishment of licensed warehouse and cooperative marketing
society

V. To provide financial helps to the small scale and cottages industries

To provide remittance facilities to the banking institution 16

1.7 PRODUCT PROFILE

State Bank of India (SBI) has history of more than 200 years of existence. SBI is the largest

commercial bank in India and accounts for approximately 18% of the total Indian banking business

and the group account for 25% of the total Indian banking business. The central bank, Reserve Bank

of India (RBI) is the largest shareholder in the bank with 59.7% stake followed by overseas investors

including GDRs with 19.78% shareholding as on September 06. RBIs stake in the bank is likely to

be transferred to the Government of India (GOI).

SBI has the largest distribution network in India spread across every nook and corner of India.

As on September 06, the bank has 14,061 branches which include 4,755 branches of its associated banks.

The bank also has the largest network of 5,624 ATMs. Since the last 5 years the bank has showed

continued growth in its core business. The total asset size of the bank reported a CAGR of 9.4% during

the period FY01 –FY06 and stood at Rs. 4,938.69 bn as of September 2006. In HIFY07, the bank

reported net interest income (NII) of Rs. 182.14bn, representing a growth fo 2.74% over HIFY06 while

the bank reported a net profit of Rs.19.8bn, registering a decline of 18.67% during the same period.

Credit off take of the bank has been lower than the Indian banking industry during the past few years.

The total credit book of the bank grew at a CAGR of 18.2% over the past years stood at Rs. 2,832.68bn

at the end of September 2006.

1.8 THE INDUSTRY GROWTH

The industry growth during the same period was around 28%

• The bank’s asset quality has improved over the past few years. Gross NPL of gross
loans

• stood at 3.57% as of Sep-end 2006 while net NPLs stood at 1.67% The bank has
provided

• for 54.06% of its NPLs as on Sep- end 2006, which is below the industry average of
around

68%

17
 • Total deposits of the bank grew at a CAGR of 94% over the last. ve years to reach

Rs3,800.5bn, with low cost deposits registering an impressive GAGR of 15.4% during

the same period. Contribution of low cost deposit to total deposit during the period too

has moved up sharply from 36.3% in FY 01 to over 47.6% in FY06. However, current

and saving account (CASA ) contribution in HIFY07 has declined to 43.65% thereby,

significantly increasing cost of funds and hensce margin contraction. On a sequential

basis, margins of the bank declined by 8bps to 3.32

• The capital adepuacy ratio of the bank stood at 12.63% (Tier –I of 8.74% and Tier –II

of 3.89 %) at the end of HIFY07. To augment its CAR to provide a stable platform for

further growth, the bank the plans to raise upto Rs.100bn as subordinate debt during

the next few months.

The bank also has cushion to raise RS40bn in the form of hybrid.

BACKGROUND

• State Bank of India is the largest and one of the oldest commercial bank in India, in existence

for more than 200 years. The bank provides a full range of corporate, commercial and retail banking

services in India. Indian central bank namely Reserve Bank of India (RBI) is the major share holder

of the bank with 59.7% stake. The bank is capitalized to the extend of Rs.646bn with the public

holding (other than promoters) at 40.3%.

SBI has the largest branch and ATM network of over 14,000 branches (including subsidiaries)

Apart form Indian network it also has a network of 73 overses of. ces in 30 countries in all time

zones, correspondent relationship with 520 International banks in 123 countries. In recent past,

F9 SBI has acquired banks in Mauritius, Kenya and Indonesia. The bank had total staff strength

of 198,774 as on 31 st March, 2006. Of this, 29.51% are of cers , 45.19% clerical staff and the

remaining 25.30% were sub-staff. The bank is listed on the Bombay stock Exchange, Kolkata stock

Exchange, Chennai Stock Exchange and Ahmedaoad stock Exchange while its GDRs are listed on the

London stock Exchange.

18
 SBI group accounts for around 25% of the total business of the banking industry while it accounts

for 35% of the total foreign exchange in India. With this type of strong base, SBI has displayed a

continued performance in the last few years in scaling up its efficient levels.

Net Interest Income of the bank has witnessed a CAGR of 13.3% during the last years.

During the same period, net interest margin (NIM) of the bank has gone up from as low as

as2.9% in FY02 to 3.40% in FY06 and currently is at 3.32%

Manangement

The bank has 14 directors on the Board and is responsible for the management of the bank’s business. The

board in addition to monitoring corporate performance also carries out functions such as approving the

business plan, reviewing and approving the annual budgets and borrowing limits and axing exposure

limits. Mr.O.P.Bhatt is the Chairman of the bank.

Prior to this appointment, Mr.Bhatt was Managing Director at State Bank of Travancore

Mr.T.S. Bhattacharya is the managing Director of the bank and known for hisvast experience in the

banking industry. Recently, the senior management of the bank has been broadened considerably.

The Positions of CFO and the head of treasury have been segregated, and new heads for rural

banking and for corporate development and new business banking have been appointed. The

management’s thrust on growth of the bank in terms of network and size would also ensure

encouraging prospects in time to come.

SHAREHOLDING & LIQUIDITY

Reserve Bank of India is the largest shareholder in the bank with 59.7% stake followed by

overseas investors including GDRs with 19.78% stake as on September 06. Indian financial

institutions held 12.3% while Indian public held Just 8.2% of the stock. RBI is the monetary

authority and having majority shareholding react consist of interest. Now the government is

rectifying the above error by transferring RBI’s holding to itself. Post this, SBI will have a

further headroom to dilute the GOl’s stake from 59.7% to 51.0% Which will further improve

its CAR and Tier I ratio.

19
 1.9 About Logo

The theme of the logo of SBI is ‘Togetherness’, where the universe of banking services address
the ever changing clients’ issues andsets up a connection that is similar to a circle, it demonstrates wide
-
ranging services for clients. The logo likewise indicates a bank which has arranged to do anything to go
as far as possible, for its clients.

The blue pointer speaks the philosophy, tha t the bank is continually searching for the
development and more up to date, all the more difficult, more promising path. The key hole shows
safety and security.

20
1.10 Vision,Mission,value

VISION
 My SBI.

 My Consumer first.

 My SBI: First in consumer happiness

Mission
 We will be quick, mannerly and active with our clients.

 We will communicate the language of fledgling India.

 We will generate products and amenities which aid customs attain their aims.

 We will go afar the demand of obligation to create our clients feel esteemed.

 We will be of facility even in the farthest place of our nation.

 We will propose brilliance in facilities to persons in a foreign country as far as we do to

persons in India.
 We will include the art expertise to improve quality.

VALUES

 We will every time be frank, clear and right.

 We will esteem our clients and associated persons.

 We will be information obsessed.

 We will study and we will pass our knowledge.

 We will certainly not make the relaxed way out.

 We will do all we be able to give to the public we labor for.

 We will develop self-importance in nation

21
1.11 SWOT Analysis

Strengths

• SBI is the major bank in the country in relations of market stake, assets and profits,

• As per current statistics it has further 13,000 channels and 25,000 number of ATM.

• The bank has existence in 32 nations appealing money exchange all over the world

• SBI has the initial mover benefit in marketable banking facility

• SBI has in recent times improved its vision and mission reports viewing a sign of leaning to
new age banking facilities
• Brand Name: SBI bank has got a status in the market over the period.

weakness

• Absence of appropriate knowledge focused facilities when related to private banks

• Workforces express unwillingness to resolve problems rapidly because of greater career

safety and clients’ waiting time is lengthy when matched to private banks
• The banks expends a large volume on its hired structures

• SBI has the major amount of workers in banking segment, therefore the bank expends a
significant quantity of its profits in worker’s wages payment
• Even though upgraded, SBI still have insight of outdated bank to novel age clients

• Bank did not invite wages accounts of business and several government segment workers
wage accounts are also moved to banks under private control for easiness of actions unlike
earlier.

22
 Opportunities

• As the bank is still to improve some of its banking tasks, there is a well opportunity of utilizing
innovative machineries and software to develop client associations
• Young talented graduates are increasing to expose new skyline.

• Can earn a good money in foreign as SBI has 150 workplaces in 32 nations which add 14-
15% in net income.
• Venture in Information Technology will reduce operation costs of SBI

Threats

• FDIs permitted in banking segment is greater than before to 49% , this is a main hazard to
SBI as persons have a tendency to move to overseas banks for improved amenities and skills
in banking facility.
• Further other government banks are displaying client favor to change to Banks controlled by
private party and monetary facility suppliers for credits and loans, as SBI includes severe
checking measures and processing take long time
• Private bank has started investing into countryside and semi city segment which used to be
the stronghold of the SBI and further PSU bank

23
CHAPTER II

2.1 Objective of study

• To study the Banking sector of India.

• To study the economic ,industrial ,Company analysis of SBI bank.

• To Study the fundamental and technical analysis of SBI.

• To study the Inflation and GDP rate of SBI.

• To analyze the various factors which influence the share price of SBI.

• To analyze whether the share of banking stock are overpriced or underpriced in the
secondary market.

• To give suggestions to the investors regarding investment in SBI.

2.2 Hypothesis

H01 ; There is no significance relationship between the Fundamental and technical

analysis And Indain Economy.

H11 ; There is significance relationship between the Fundamental and technical

analysis And Indain Economy.

H02 ; There is a no affect on SBI bank when change the GDP and Inflation Rate

H22 ; There is a no affect on SBI bank when change the GDP and Inflation Rate

24
3.3 Scope Of Study

The project entitled “A Study on the performance evaluation of SBI fundamental and technical analysis”
will enable from the investors point of view to refer the performance of the Banks, their relative growth and
thereby decide on to buy or sell the particular slab. This study will also help to identify the bank that is lagging
behind in its performance.

The scope of the project is restricted to understanding the basics of fundamental analysis and technical analysis
and apply it to take a choice of investing in State Bank of india.

3.4 Need of study

The quick development of capital markets in India opened new investment roads for investors.
The securities exchanges have gotten to be alluring investment choices for the common people. Stock
is possession in an organization, with every offer of stock speaking to a modest bit of proprietorship.
The more shares you claim, the greater part of the organization you possess. The more shares you
possess, the more profits you win when the organization makes a benefit. An investor might likewise
expect capital additions from the stocks.

As we go over in everyday life, numerous investors are losing their assets with no major
information. A productive market depends on information. An absence of data makes inefficiencies that
outcome in stocks being distorted (over or underestimated). The part of equity examination is to give
information to the market. This examination is important in light of the fact that it fills data holes so that
every individual investor does not have to analyze each stock in this way making the business sectors
more effective.

25
3.5 Statements Of Problem

Everyday number of shareholders are losing their moneys by financing without any basic
information. A well-organized market depends on information. Absence of data makes
ineffectiveness, that cause misrepresent the shares (over or under valued). Equity analysis provide
information to the market. Equity analysis is important as it helps the investors to get information
about the market so that each investor need not to investigate every share and thus creating the
markets more effective.

3.6 LIMITATIONS OF THE STUDY:

This study is based on the primary data collected form the customers and the staff of bank
with the help of questioner.
The approach to behavior of share price is based on long time view.

There limitations do not undermine either the scope of the study on the analysis and inference.

3.7 DATA COLLECTION

1) Primary Data

The data collect from the study of primary data ,The data I have used foe the study is

1) Observation method

2) Collection of data through questioner

3) Collection of data through schedule

4) From the Web site of SBI bank

3.8 Analysis Overlook:

Fundamental analysis and technical analysis are taken into consideration.

26
 CHAPTER III

3.1 Literature Review

According to Jaffery Abarbanell and Brain Bushee (1997) “Fundamental Analysis, Upcoming Incomes
and Share Prices”, in their study examined the relationship among accounting based fundamental signs
and future earnings of security prices. They applied multiple regression analysis to analyse the data. The
study found that investors are not completely relying on the information given by the analyst. They also
found that the variables such as Gross Domestic Product, inflation, firm specific variables are prior
earnings, expected earnings growth, relation between fundamental signal and future earnings, revisions
and forecast errors are most influencing factors in fundamental analysis.

Sandip Mukherji, Manjeet, and Kim (1997), “A Fundamental Analysis of Korean Stock
Returns” in their article examined about the relation among share return and fundamental factors in
Korean firms yearly share value in the course of period of 1982-83. The study found that share
dividends are confidently related to book-market proportion, sales-price proportion and debt- equity
proportion. It also found that yield is adversely associated to organization size and not considerably
associated to earnings price proportion. They recommended that book-market and sales-price
proportions are more effective pointers than the earnings-price and the debt-equity ratio.

Achelis said "Technical analysis as a procedure of examining a share’s past values in an effort
to decide possible coming prices."

Murphy said "Technical analysis is the analysis of market act, mainly by using charts, for the
predicting upcoming price movements. The word “market action” comprises the 3 important sources
of data accessible to the technician—price, volume, and open interest."

Pring said "Skill of technical analysis is to find a trend reversal at a reasonably initial period
and ride on that movement till the measure of the proof displays or verifies that the trend has reversed.
[...] Hence, technical analysis is based on the supposition that persons will remain to make the similar
errors they have created previously."

27
 Cory Janssen, Casey Murphy and Chad Langager said “Technical analysis is a
process of assessing shares by examining the data created by movement in the market, like historical
prices. Technical experts do not try to calculate a share's fundamental worth, but in its place utilize
graphs and other tools to ascertain designs that can propose upcoming actions.

An empirical study on determinants of Off-Balance Sheet Activities of Public Sector

Banks in India was conducted by Nachane and Ghosh (2002). The main objective of this
study is to identify the factors influencing off-balance sheet (OBS) activities of public
sector banks in India. For the purpose of the analysis, pooled data models are used for the
period 1995-96 to 1999-2000. The results indicate that (i) size plays an important role in
influencing OBS activities and (ii) higher the levels of capital and liquid assets, lower the
incentive of the banks to engage in OBS activities.

Bhattacharya and Das (2003) conducted a study which examines the nature and the extent
of changes in the market concentration in the Indian banking sector and their possible
implications on prices and output of banking services. The first part of this study attempts to
measure market concentration in banking in India in alternative ways from 1989-90 to 2000-
01. It focuses on both static and dynamic measures of market concentration.
The paper finds a strong evidence of change in the market structure occurred during the early 1990s.
Despite a spate of mergers during the late 1990s, market concentration was not significantly affected.
It is also observed that the different concentration ratios rank the changes similarly over time. The
second part of the paper analyses the possible impact of changes in banking market structure on
prices and output of this sector during the same period. It is demonstrated that measurement problem
of real output pertaining to banking sector in the national income data could be severe. The implied
inflation as obtained through the GDP deflator for the banking sector in India led to unbelievable
measures of inflation for banking services, casting some doubt on the methodology adopted.
Alternatively, proxy price measures based on the spread appear to be more consistent with the changes
in market structure in India during the late 1990s. The paper argues that the favorable market structure
in India could be one important factor that led to a reduction in the ‘prices’ of banking services after
the administered interest regime was lifted

28
Misra (2003) conducted a field study in which he examined whether allocative efficiency of the
Indian Banking System has improved after the introduction of financial sector reforms in the early
1990s. For this study, allocative efficiency has been studied for 23 states of India and also estimated
for two periods (1993-2001) to get a comparative perspective. This study concludes that improvement
has been observed in the overall allocative efficiency in the post-reform period for the majority of the
states and the improved allocative efficiency is more marked for the services sector than for industry
across the states

A study of mergers and acquisitions in the banking industry in India was conducted by Selvam, Vanith and
Babu (2005). The main objective of the study was to analyze and compare the financial performance of merged
banks in terms of their growth of total assets, profits, revenue, investment and deposits before and after merger.
The performance of merged banks is compared taking four years of pre-merger and four years of post-merger as
the time frame and the year of merger uniformly included in the postmerger period of all sample banks. In this
study, seven banking units (SBI, Oriental Bank of Commerce, Centurion Bank, Bank of Baroda, Union Bank of
India, HDFC Bank, : 29 : ICICI Bank) were randomly Drawn from the 20 banking units which had undergone
mergers and acquisitions. In order to evaluate the performance, statistical tools like mean, standard deviation
and t-test were used. The growth rates of sample banks for all variables (mean values of variables before and
after mergers) have been analyzed. This study concludes that the performance of ICICI Bank is high in the
growth of all respects (except deposit) than that of other sample banks taken for this study. This study also
suggests that if the banks want to proceed through merger & acquisition, they have to proceed more carefully so
that they can avoid the common mistakes associated with merger & acquisition activities

Ghosh and Das (2005) conducted an empirical study on depositor discipline in the banking sector in India.
This study traces the determinants of depositor discipline in Indian banking. Using annual data on
commercial banks covering the period 1996 to 2003, the findings reveal that, while bank-specific factors are
dominant in case of stateowned banks, systematic variables tend to overwhelm bank-specific factors
in explaining behavior of depositors of private banks. In case of private and foreign banks, policy
announcements have an important bearing on the dependent variable. For state-owned banks, larger
asset translates into higher deposit growth, suggesting that depositors are sensitive to the ‘to-big-to-
fall’ effect. Finally, insured depositors tend to
exercise discipline by compelling banks to pay a higher price on deposits

29
Mahakud and Bhole (2005) conducted an empirical study on Bank as Source of FinanceEvidence from
Indian Corporate Sector. This study analyses the trends in commercial : 30 : bank financing

of Public Limited Companies (PULCos), Private Limited Companies (PRLCos) and Foreign
Companies (FRCos) in India during the period of 1966-67 to 2001-02 and estimates panel data
models by using data for 500 companies listed in S&PCNX 500 Index of NSE India for the period
1996-97 to 2003-04, for empirically identifying the determinants of corporate bank borrowings.
From this study, it has been found that the dependence on bank borrowings is high in the case of
PRLCos than PULCos and FRCos in India. An industry wise analysis also has been carried out to
know the dependence on bank borrowings of the various industries in India. From the econometric
analysis it has been found that the variables like size of the company, debt to equity ratio, return
on assets, Tobin’s Q-ratio, Altman’s Z-score and tangibility are the major determinants of bank
debt in the case of Indian Corporate Sector.

Bagchi (2005) conducted a study on Basel II Accord on Operational Risk Management in Indian
banking sector. In this study, the author says that in view of Basel II Accord, operational risk
management in banking will need new skill sets aided and supported by an articulated Operational
Risk Policy of each bank. He concludes that Basel II Accord on Operational Risk Management is
a welcome move. This will surely strengthen the business orientation and focus of Indian
Banking. Furthermore, since each bank is likely to have a specific Operational Risk
Policy, it will provide a clear direction to operating staff and simultaneously enable Top
Management to monitor and control the risk on an ongoing basis. Basic Indicator Approach is a
simple and viable method of capital computation it would set apart necessary amount to take case
of Operational Risk in tune with integral best practices. Chakrabarti and Chawla (2005) conducted
a study on bank efficiency in India since the Reforms. They apply the increasingly popular
methodology of Data Envelopment Analysis (DEA) to evaluate the relative efficiency in Indian
banks during the period 1990- 2002 after selecting 70 banks out of over 100 commercial banks
operating in India. This study suggests that on a ‘value’ basis, the foreign banks, as a group, have
been considerably more efficient than all other bank groups, followed by the Indian private banks.
From a ‘quality’ perspective, the Indian private banks dominate with foreign banks coming up
last.
Srivastava, Halani and Bajpai (2006) conducted a study on the impact of banking reforms on
role clarity of Indian public sector bank employees. Role clarity is one of the important
factors at work culture. This study is based on about 120 respondents selected randomly from
30
middle and top-level management of five different branches of one of the topmost public
sector bank in the Chhattisgarh region. A questionnaire developed by Sinha(1990) was used
for ascertaining the degree of role clarity. The items reliability of questionnaire was found to
be

0.785 (Cron batch alpha value). The outcome of this indicates that role clarity of public sector bank
employees has increased in the postreform era.

Maji and Dey (2006) conducted an empirical study on productivity and profitability of select public
sector and private sector banks in India. The specific objectives of the study are
(i) to examine the productive efficiency of selected banks during the study period; (ii)
to test how fast the sample banks have been able to improve their respective levels
of profitability with respect to a larger level; and
(iii) to examine the factors influencing the profitability of the selected banks. In this study,
five large Indian banks from the public sector and private sector each have been selected
on the basis of highest quantum of deposit mobilization during the period 1996-97 to
2003-04. a composite productivity index is used to analyze the productivity efficiency of
selected banks. In order to measure the bank’s efficiency in achieving the larger level of
profitability during the study period, OLS model has been used and to examining the
factors influencing profitability, multiple regression Model has been used.
The study finds that except for a few cases, the productivity index of ‘greater than 1’
is found for all the selected banks, though definite : 34 : pattern is not noticed. In
the matter of achieving the larger level of profitability by the banks, SBI and PNB
are the most successful banks followed by HDFC Bank and ICICI Bank.
Regarding the factors influencing the profitability, a strong and significant impact of interest
spread on profitability is found in case of SBI, PNB, HDFC Bank and ICICI Bank

31
 CHAPTER IV

DATA ANALYSIS AND INTERPRETATION

Analysis is a process of organizing and synthesizing data in such a way that research questions can be
answered and hypothesis tested. The term analysis refers to the computation of certain resources along
with searching for patterns of relationship that exists among data groups. Analysis of data in a general
way involves a number of closely related operations, which are performed. With the source of
summarizing the collected data, organizing these in such a manner that they answer the research
questions In this chapter. The data collected were systemically processed, tabulated and made suitable
for analysis and interpretations, it was a study on emerging payment applications and their impact after
demonetization among buyers and sellers in Thane City through data collected by questionnaire. The
results obtained were classified, tabulated and the following analysis were performed in fulfilling the
objectives of the study.

32
1) GENDER

GENDER DATA (%)

Male 49.1%

Female 50.9%

Gender

50.90%, 51% 49.10%, 49%

Male
Female

Interpretation

As per above pie chart it is observed that data is collected from people which has 106 responses the female
percentage is 51%, whereas males are 49%.

33
2) AGE GROUP

Age group Data

18-30 58.5%

30-45 24.5%

45-60 11.3%

60-Many 5.7%

AGE GROUP
70.00%

60.00%

50.00%

40.00%

Sales
30.00% 58.50%

20.00%

24.50%
10.00%
11.30%
5.70%
0.00%
18-30 30-45 45-60 60-MANY

34
Interpretation: -

As observed in the above chart, respondents are categorized in four different age group as 18-30,

30-45, 45-60, 60 and above.

58.50% respondents belong to the age group between 18- 30 years,

24.50% respondents fall into the age category of 30- 45 years, 11.30%

respondents are from the age group of 45-60 years and only,

5.7% respondents are above age of 60 years.

It can be shows in the percentage as 58.50% , 24.50% , 11.30% , 5.7% respectively.

35
3) OCCUPATION
Occupation Data

Students 37.7%

Professional 17%

Self employed 23.6%

other 21.7%

Occupation

22%
Students
38%
Professional
Self Employed

23% Other

17%

Interpretation: -

Students are 38%, whereas Professional are 17% and Self employed are 23% others 22%

36
4) BANK ACCOUNT

8%

SBI
other

92%

Interpretation

As per above pie chart from 106 responses. 92% person have account with SBI and 8% in others.

37
5) TYPES OF ACCOUNT IN SBI

Types of Accounts Data

Saving 68.9%

Current 21.7%

Demat 8.5%

Others 1%

DATA
80.00%

70.00%

60.00%

50.00%

40.00%

30.00%

20.00%

10.00%

0.00%
saving current demat others

DATA

Interpretation

As per above tables majority of peoples have saving account in SBI bank.

38
6) SBI Bank have listed its share in stock exchange

 Yes 67.3%

 No 14.4%

 May be 18.3%

18%

Yes

15% No
May be
67%

Interpretation

According to the above table 67% of the people are ready to assume that sbi bank listed its

shares in stock exchange.and remaining 18% people will think so,and 15% are not considered.

39
7) Fundamental and Technical analysis provide better knowledge for investing in SBI

Securities

 Yes 76%

 No 13%

 May be 11%

Sales

11%

13% Yes
No
Maybe

76%

Interpretation

According to the charts 76% people think that fundamental and technical analysis provide better

Knowledge to SBI . and 13% says no.

40
8) Fundamental analysis is useful for taking investment decision
 Yes

 No

 Maybe

Sales

7%

19% Yes
NO
Maybe

74%

Interpretation

As per above tables 74% peoples are ready to Assume that Fundamental and

technical analysis are useful to taking decision. and 19% people says No.

41
9) Fundamental and Technical analysis helps to analysis Indian

Economy

 Yes

 No

 Maybe

Sales

18%

Yes
No
20%
62% Maybe

Interpretation

As per above table 62% peoples are says that Fundamental and Technical analysis are

helps to analysis Indian economy. and Others 20%.

42
Analysis of Indian Economy

10) Real GDP

Real Gross Domestic Product (Real GDP) is an alteration of the GDP measurement which is
basically used to calculate the growth and size of the economy of a country. Real GDP comprises
changing the typical GDP character to account for inflation which eliminate the influence it has on
GDP growth.

GDP = Consumption + Investment + Government Spending + Exports – Imports

𝐺𝐷𝑃 (1 + 𝐼𝑛𝑓𝑙𝑎𝑡𝑖𝑜𝑛 𝑠𝑖𝑛𝑐𝑒 𝑏𝑎𝑠𝑒𝑟 𝑦𝑒𝑎𝑟)

𝑅𝑒𝑎𝑙 𝐺𝐷𝑃 =

YEAR REAL GDP GROWTH (%)

2017-18 6.5%

2018-19 4.0%

2019-20 -8.0%

2020-21 9.5%

2021-22 8.52%

43
 650.00%

400.00%

-8.00% 9.50% 8.52%

2017-18 2018-19 2019-20 2020-2021 2021-2022

Series 1

INTERPRETATION

From the table is clear that Real GDP Growth rate showed a fluctuation trends Real GDP Growth showed a
decreasing trends from 2017-18 to 2018-19 . It decreases from 6.5% to 4.0% and in 2019-20 it show negative
-8.0% after that in 2020-21 it increase to 9.5% and again in the year 2021-22 it decrease 8.52%.

44
11) Inflation

The rate of inflation calculates the proportionate variation in buying power of a specific
currency. As the cost of prices rise, the buying power of the money declines.

𝐼𝑛𝑓𝑙𝑎𝑡𝑖𝑜𝑛 𝑅𝑎𝑡𝑒 = 𝐶𝑃𝐼𝑇ℎ𝑖𝑠 𝑌𝑒𝑎𝑟 − 𝐶𝑃𝐼𝐿𝑎𝑠𝑡 𝑌𝑒𝑎𝑟

𝐶𝑃𝐼𝐿𝑎𝑠𝑡 𝑌𝑒𝑎𝑟

YEAR INFLATION (CPI AANUAL

AVG. %)
2017-18 3.33%

2018-19 5.8%

2019-20 5.4%

2020-21 6.62%

2021-22 5.2%

45
 6.62%

5.80%
5.40%
5.20%

3.33%

2017-18 2018-19 2019-20 2020-21 2021-22

inflation rate

INTERPRETATION

From the table it is clear that Inflation showed a Increase trend for the last 5 years from 201718
to 2021-22. Highest Inflation of 6.62% was showed in the year 2020-21 and lowest of 3.33% was
showed in the year 2017-18.

46
12) EXPORT GROWTH

The rate at which the amount of an economy's exports raises (or declines) over a period of
time. Net exports are one factor in GDP, the export rate gives to whole development or deterioration
in an economy.

YEAR EXPORT GROWTH RATE

2017-18 9.8%

2018-19 7.97

2019-20 18%

2020-21 6.8

2021-22 16.5

18%
16.50%

9.80%
7.97%
6.80%

2017-18 218-2019 2019-2020 2020-21 2021-22

Export growth rate

47
INTERPRETATION

From the table it is clear that export growth showed a fluctuating trend in the years. Export
growth 7.97 % showed a decreasing trend from the year 2018-19 and in the year 2019-20 it showed
a increase but it again dropped in the year 20120-21. Export growth showed highest of 18% in the
year 2019-20 and lowest of 6.80%% in the year 2020-21

13) IMPORT GROWTH

The rate at which the amount of an economy's imports raises (or declines) over a period of time. Net imports
are one factor in GDP, the import rate gives to whole development or deterioration in an economy

YEAR IMPORT % CHANGE

2017-18 16.28%

2018-19 8.48%

2019-20 -6.33%

2020-21 36.31

2021-22 26.49%

48
 36.31%

26.49%

16.28%

8.48%

2017-18 2018-19 2019-20 2020-21 2021-22

-6.33%

INTERPRETATION

From the table it is clear that Import growth showed a decreasing trend in the last 3 years.
Import growth showed an increasing trend in the initial year but after that it decreased drastically. In
the year 2019-20 it negative -6.33% then it increase in positive in the year 2020-21 is 36.31% and
again in the year 2021-22 it decreased 26.49%.

49
 14) FOREIGN DIRECT INVESTMENT

A foreign direct investment (FDI) is an investment made by a business in one country, into an entity in
another country.

YEAR FDI (US$ bn)

2017-18 44.85

2018-19 42

2019-20 74.39

2020-21 81.72

2021-22 81.97

50
 81.72 81.97
74.39

44.85
42

2017-18 2018-19 2019-20 2020-21 2021-22

FOREIGN DIRECT INVESTMENT Series 2 Series 3

INTERPRETATION

From the table it is clear that Foreign Direct Investment of Indian economy showed a
fluctuating trend. In the year 2017-18 it decrease to 44.85 from 42 in the year 2018-19 again in 201920
, 74.39. and 81.72 in 2020-21.and then in 2021-22 is 81.97.

51
 Industrial Analysis
15) Growth Deposite

The Deposit Growth Rate relates the amount of deposits held by a monetary institution in a
period to the amount of deposits in an earlier time. The growing rate is measured by dividing the
change among aggregate present deposits and total deposits in an earlier time by aggregate deposits
in that earlier time.

YEAR DEPOSIT GROWTH %

2017-18 6.7

2018-19 3.3

2019-20 8.8

2020-21 11.9

2021-22 10.1

52
 11.9

10.1
8.8

6.7

3.3

2017-18 2018-19 2019-20 2020-21 2021-22

GROWTH RATE

INTERPRETATION

From the table it is clear that Deposit Growth of Indian banking sector showed a Fluctuated trend.
In the last 5 years Deposit growth was highest in the year 2020-21, i.e. 11.9% and showed the lowest
of 3.3% in the year 2018-19. Deposit growth is decrease in the year 2021-22 i.e 10.1%

53
16) Credit Growth

A bank credit is the quantity of credit existing to a business or individual from the banking
system. It is the total of the sum of moneys monetary institutions are agreeable to offer to an
individual or institute.

YEAR CREDIT GROWTH %

2017-18 5.08%

2018-19 13.4%

2019-20 6.1%

2020-21 9.16

2021-22 11.0%

54
 13.4

11
9.16

6.1
5.08

2017-18 2018-19 2019-20 2020-21 2021-22

CREDIT GROWTH RATE

INTERPRETATION

From the table it is clear that Credit growth of Indian banking sector showed a fluctuated trend in the
last 5 year. In the year 2018-19 it increase to 13.4% and it show downward in the year 2019-20 i.e
6.1% then it shows increase rate in the year 2020 to 2022 i.e 9.16% to 11%.

55
 17) NET INTEREST MARGIN GROWTH

Net interest margin (NIM) is a degree of the change among the interest revenue created by banks
and the quantity of interest funded out to their financiers (for example, deposits), comparative to the
sum of their (interest-earning) assets.

𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑅𝑒𝑡𝑢𝑟𝑛𝑠 − 𝐼𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝐸𝑥𝑝𝑒𝑛𝑠𝑒𝑠

𝑁𝑒𝑡 𝐼𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑀𝑎𝑟𝑔𝑖𝑛 =
𝐴𝑣𝑒𝑟𝑎𝑔𝑒 𝐸𝑎𝑟𝑛𝑖𝑛𝑔 𝐴𝑠𝑠𝑒𝑡𝑠

YEAR NET INTEREST MARGIN

2017-18 3.3%

2018-19 2.2%

2019-20 4.91%

2020-21 3.3%

2021-22 3.40%

56
 4.19%

3.30% 3.30% 3.40%

2.20%

2017-18 2018-19 2019-20 2020-21 2021-22

NET INTEREST MARGIN

INTERPRETATION

From the table it is clear that Net Interest Margin growth of Indian banking sector showed
a Flctuated trend for the last 5 years. Highest NIM growth of 4.19% was in the year 2019-20 and
then in the year 2020-21 it decreased to 3.30%. after that again in 2021-22 it increase 3.40% .

57
 18) RETURN ON TOTAL ASSET

The return on assets ratio called the return on total assets, is a profitability ratio which
calculates the net income created by total assets throughout a period by relating net income to the
average total assets.

Net Asset
Return on total asset =
Average total asset

YEAR RETURN ON TOTAL ASSET

2017-18 -0.47%

2018-19 1.88%

2019-20 0.150 %

2020-21 0.660 %

2021-22 ?

58
 1.88

0.66

-0.47% 0.15%
2017-18 2018-19 2019-20 2020-21 2021-22

Series 1 Series 2 Series 3

INTERPRETATION

From the table it is clear that Return on Total Assets of Indian banking sector showed a
increasing trends. Highest ROA of 1.88% was showed in the year 2018-19 and lowest of 0.15%
was showed in the year 2019-20.and negative in 2017-18 is -0.47%.

59
 19) Company Analysis

BI, Govt backed and Largest Lender as per Loan book and more than ₹20.5 trillion in deposit with 16300
branches and ₹17.3 trillion. The size of the deposit and the Equity base gives it an edge as a low-cost
lender. The bank is the largest lender and also operating in the mortgage loan sector. It is also operating
offshore, the Profit percentage is low concerning its private peers.

The bank also offers services like factoring, Asset Management, Insurance, pension, Private Equity,
Advisory services. As the largest lender, the Bank keeps exposure in many sectors which are important for
development like Infrastructure, Steel, Power.

With a high Loan book, Nonperforming Assets also going high which is a big issue not only for whole
banking but concerning SBI, the Asset Quality is looking better than other public sector banks.

State Bank of India (SBI) is an Indian multinational public sector bank and financial services statutory
body headquartered Mumbai Maharashtra. SBI is the 43rd largest bank in india and ranked 221st in the
Fortune global 500 list of the world's biggest corporations of 2020, being the only Indian bank on the list.
It is a public sector bank and the largest bank in India with a 23% market share by assets and a 25% share
of the total loan and deposits market. It is also the fifth largest employer in india with nearly 250,000
employees.
The bank descends from the Bank of calcutta, founded in 1806 via the Imperial bank of India, making it the
oldest commercial bank in the Indian subcontinent. The Bank of madras merged into the other two
presidency banks in British India, the Bank of calcutta and the Bank of Bombay, to form the Imperial Bank
Of India, which in turn became the State Bank of India in 1955. Overall the bank has been formed from the
merger and acquisition nearly twenty banks over the course of its 200 year history. The Government bank
of India took control of the Imperial Bank of India in 1955, with Reserve bank of india (India's central
bank) taking a 60% stake, renaming it State Bank of India.

SBI has over 24000 branches in India. In the financial year 2012–13, its revenue was ₹2.005 trillion
(US$27 billion), out of which domestic operations contributed to 95.35% of revenue. Similarly,
domestic operations contributed to 88.37% of total profits for the same financial year.
Under the Pradhan Mantri Jan Dhan Yojana of financial inclusion launched by Government in August
2014, SBI held 11,300 camps and opened over 3 million accounts by September, which included 2.1
million accounts in rural areas and 1.57 million accounts in urban areas.

International
As of 2014–15, the bank had 191 overseas offices spread over 36 countries having the largest presence in
foreign markets among Indian banks.

• SBI Australia

• SBI Bangladesh

• SBI Bahrain

• SBI Botswana

60
 20) Key Ration Analysis Of Bank

RETURN ON EQUITY RATIO

This ratio calculate the profitability of equity funds spent in the firm. It discloses how
profitably of the owners’ funds have been utilized by the firm. ROE shows the capacity of an
organization to make earnings from the investor’s outlay in the business.

Net ProfitAfter Tax

Return On Equity X100
Networth

Year Return on Equity

2017-18 -2.16

2018-19 1.48

2019-20 8.32

2020-21 10.13

2021-22 ?
 10.13

8.32

1.48

2017-18 2018-19 2019-20 2020-21 2021-22

-2.16

Return on Equity Series 2 Column1

INTERPRETATION

The above table shows that SBI’s Return on Equity has increased from -2.16 to 1.48
in the year 2017-18 to 2018-19 and in the year 2019 it increase to 8.32 and then in the year 2021
it again increase 9.62.

With reference to the above table ROE showed maximum of 10.13% in the year 2021
and minimum of 1.48% in the year 2019.From the above table it is clear that ROE for the past 5
years are fluctuating. Compared to 2019 ROE has increased in 2021 this mainly due to increase
in the net profit and shareholder’s equity.

62
 21) EARNING PER SHARES

Earnings per share (EPS) are the worth of income from every unpaid common
stocks of a firm. Generally, EPS is measured on per share base. The greater the proportion,
greater will be the income from the stocks.

Net Profit
EPS =
No. of share outstanding

YEAR EPS

2016-17 13.43

2017-18 -7.67

2018-19 0.97

2019-20 16.23

2020-21 22.87

63
 22.87

16.23
13.43

0.97

2016-17 2017-18 2018-19 2019-20 2020-21

-7.67

EPS

INTERPRETATION

The above table shows that SBI’s Earnings per Share has DECREASE from 13.43
TO -7.67 in the year 2016-17 and 2017-18 and in the year 2018-19 it again increased to 0.97and
then in the year 2014 it increase to 16.23 ,and again increased to 22.87 in the year 2020-21

With reference to the above table EPS showed maximum of 22.87 in the year
202021 and minimum of 0.97 in the year 2018-19.From the above table it is clear that Earnings
per Share shows a fluctuating trend. Compared to 2020 earnings per share has increased in 2021,
this is due to increase in the net income.

64
 22) DIVIDEND PER SHARE

The total dividends allowed for each normal share allotted. Dividend per share (DPS) is the
total dividends paid over a year divided by the number of unsettled shares.

Dividend
Dividend per share =
No. Of Shares

YEAR DIVIDEND PER SHARE

2016-17 2.60

2017-18 0.00

2018-19 0.00

2019-20 0.00

2020-21 4.00

65
 4

2.6

0 0 0
2016-17 2017-18 2018-19 2019-20 2020-21
DPS

INTERPRETATION

The above table shows that SBI’s Dividend per Share has 0 in the year 2018 and 2019
and in the year 2020 it remained the same and then in the year 2021 it increase to 4.00.

With reference to the above table DPS showed maximum of 4.00 in the year 2021
and minimum of 2.60 in the year 2017and it show 0 for next three years .From the above table it is
clear that Earnings per Share shows a fluctuating trend. Compared to 2017 Dividend per share has
increased in 2021 as the dividend has increased in the year 2021.

66
TECHNICAL ANALYSIS

23) SMA ( simple average moving ) method are helps to measured total price of share
A simple moving average (SMA) is a simple, or arithmetic, moving average which is measured
after totaling final price of the share of different period and then divide this aggregate by the
number of period. Short-range averages react speedily to variations in the price of the basic, while
long-term averages are sluggish to

 Yes 57.1%

 No 16.2%

 Maybe 26.7%

Sales

27%
Yes
No
57% Maybe
16%

67
 INDICATORS VALUE

30 Day SMA 513.4

50 Day SMA 501.1

100 Day SMA 496.7

200 Day SMA 463.0

513.4

501.1
496.7

463

30Day 50Day 100Day 200Day

Series 1

Interpretation

Trading below 30 Day SMA since 17 days (since Feb 14, 2022)
Trading below 50 Day SMA since 57 days (since Jan 05, 2022)
Trading below 100 Day SMA since 7 days (since Feb 24, 2022)
Trading above 200 Day SMA since 483 days (since Nov 05, 2020)

57% peoples are agree to SMA methods are helps to measure total price of shares and 27% peoples
will think , 16% are not agree.

68
24) RELATIVE STRENGTH INDEX

The relative strength index (RSI) is a technical momentum pointer which relates the
degree of latest gains to latest losses in an effort to conclude overbought and oversold situations
of a share. It is measured by means of the method below:

69
Trade Date PPeriod RSI

2022-03-03 14 31.56112

2022-03-02 14 33.81593

2022-02-28 14 37.02518

2022-02-25 14 36.86978

2022-02-24 14 30.28865

2022-02-23 14 40.1079

2022-02-22 14 39.89953

2022-02-21 14 46.65673

2022-02-18 14 48.61784

2022-02-17 14 47.21449

2022-02-16 14 49.20587

2022-02-15 14 53.75314

2022-02-11 14 56.63302

2022-02-10 14 63.88317

2022-02-09 14 61.67822

2022-02-08 14 60.01002

2022-02-07 14 61.21553

2022-02-04 14 60.05876

2022-02-03 14 66.14432

2022-02-02 14 66.04653

2022-02-01 14 63.60606

2022-01-31 14 67.19382

2022-01-28 14 62.30766

2022-01-27 14 65.67155

2022-01-25 14 60.52645

2022-01-24 14 50.688

2022-01-21 14 56.10349

2022-01-20 14 62.40297

2022-01-19 14 65.8767

2022-01-18 14 61.84231

2022-01-17 14 67.79676

2022-01-14 14 65.36692

2022-01-13 14 67.89267

2022-01-12 14 67.46464

2022-01-11 14 65.81018

2022-01-10 14 64.92427

2022-01-07 14 59.6962

2022-01-06 14 59.99756

2022-01-05 14 60.43825

2022-01-04 14 56.68173

2022-01-03 14 50.44713

70
 25) Do you know about the changing price in different year in banking sectors

 Yes
 No
 Maybe

21%

Yes
No

19% 60% Maybe

Interpretation

According to the above table 60% peoples know about the changing price of bank a 19%
peoples are aware about the changing price

71
 26) Does the banks financial fluctuation affect your banking service
 Yes

 No

 Maybe

17%

Yes
No
53% Maybe
30%

Interpretation

53% peoples are agree that financial fluctuation are affects in their bank services .and 30%
are think financial fluctuation are affects in their bank services and others 17 % are don’t agree with
this.

72
 27) SBI Bank will informed of banking financial changes from time to time ?

 Yes

 No

 Maybe

Sales

27%

yes
no
53%
maybe

20%

Interpretation

Acorrding to the chart 53% peoples says that their bank informed time to time their financial
changes and 20% are don’t says that these things do not reach them

73
28) Peoples aware about the product / service being offered by the bank
 Yes 
No

30%
Yes
No

70%

Interpretation
As per the 70% peoples are aware about the product and service being offered by
the bank and 30% are not.

74
 CHAPTER V
5.1 FINDING

Indian economy has observed an important economic development in the previous year,
rising by 9.2% in 2021-22 as contrary to Global growth is projected at –4.9 percent in 2020, 1.9
percentage points below the April 2020 World Economic Outlook (WEO) forecast. The
COVID19 pandemic has had a more negative impact on activity in the first half of 2020 than
anticipated, and the recovery is projected to be more gradual than previously forecast.. Indian
Inflation showed a decreasing trend and Foreign Direct Investment showed an increasing trend,
both inflation and
FDI shows a positive sign for the economy. India’s businesses are losing competitiveness as both
export and import growth for the last 5 years fluctuating.

The growth in the Indian banking sector remained under pressure in FY21. Credit growth
reduced down to 11.0% in FY21-22 from 9.16% recorded in FY20-21.Similarly, the growth in
deposits at 10.1% in FY21-22 was much lower than the growth at 11.9% in the previous financial
year. The net interest margins observed marginal decline in FY21-22 from 3.40% to 3.3% %.
Banks reported a decline in RoA from 0.660 % .When comes to the 5 year Ratio Analysis Of the
company it is clear that there is decrease in overall performance of the bank but when compared
to last year, i.e. 2020, bank’s performance has been increased. Return on Asset was highest in the
year 2020-21 as there was a good Net- worth and Net Profit in that year and the lowest was in the
year 2017-18 as the Net Profit was low. Debt Equity ratio decreased as the Equity increased.
Earnings per share showed a fluctuating trend as the Net Profit was fluctuating. As the dividend
was fluctuating Dividend per share also fluctuated. Price Earnings ratio showed a decreasing trend
as the market price decreased.

The 3 months moving average offers a note to the investor that now it is an accurate
phase to purchase the Share because the trend of the Moving Average line has been reduced. In
case of In case of RSI the correct time to trade the share was November 2021, as the RSI was
above 70 & it had touched its topmost level. The correct time to purchase the share was 2022-03-
03 since the RSI was low.

75
5.2 SUGGESTIONS

• Before investing, a shareholder must have correct and sufficient information of capital
market.
• It is good to go for Long-range Venture than the Short-range Venture. Because it is less
dangerous and also offers adequate profit.
• Basically, stock market actions are very uncertain. So, shareholders must be cautious
when investing.
• In case of half information about share market is very risky. So, every time an individual
wishes to spend in share market he must take essential advices from the specialists or
Technical Specialists.
• Fundamental analysis of State Bank of India reflects SBI bank is the leading bank in
Public sector. Fundamental Analysis strongly finds a huge growth in SBI bank.
• Technical Analysis of State Bank of India shows a decreasing trend in the recent year.
Investors can buy the shares now because the price is estimated to increase in the future.
• From the study I strongly suggest investors to buy shares and if already has then hold the
share.

76
5.3 CONCLUSION

Fundamental analysis can be valued, but it must be move toward with care. Every individual have
private prejudices and all expert has some kind of prejudice. Nothing is wrong in this and the
study can still be of fair worth. One of the main problem in valuation is that there are too many
models to value an asset. Selecting the correct model to use in estimation is as important to arrive
at a reasonable value as understanding how to use the model. It is crucial to utilize the methods
that are very comfortable with and which will relate to your trading viewpoint.

Investor should not forget Technical Analysis is only a predicting tool. As any other estimates, it
must be repeatedly examined, measured and informed when new situations occur. Technical
Analysis is the predicting of upcoming monetary price actions on the basis of an inspection of
historical price actions. Technical Analysis cannot predict absolute results like weather
forecasting. But, technical analysis aid shareholders to predict what is "likely" to occur to prices.

77
Questioners:
1) Age
18-30
30-45
45-60
60-more

2) Gender *
Male
Female
Others
3) Occupation *
Students
Professional
Self Employed
Other
4) Form which bank do you have account *
SBI
Other
5) How many years do have account with SBI bank *
1–5
5 – 15
15 – many
6) What type of account do you hold with SBI *
Saving
Current
Demat accounts Other:

7) Do you think that your bank caters all your banking needs?
Yes
No
Maybe
8) Does SBI Bank have listed its share in stock exchange
Yes
No
Maybe
9) When do you think of your bank what comes first in your mind
Pesonalized service
Wide branch network
Customer service
computerized banking Core
banking
10) Are you aware of the following products / services being offered by the bank
Demat
RTGS / NEFT
Intra branch fund transfer
Mahila account
78
Debit cum ATM cards
SIB Pure Gold
11) Does Fundamental and technical analysis provide better knowledge for investing In SBI
Securities
Yes
No
Maybe
12) Whether the Fundamental analysis is useful for taking investment decision
Yes
No
Maybe
13) Fundamental and Technical analysis helps to analysis Indian Economy
Yes
No
Sometime
14) Do you aware about real GDP rate
Yes
No
Maybe
15) Does inflation affects the Indian economy
Yes
No
Maybe
16) Export and Import Growth can affects on GDP in indian economy
Yes
No
May be
17) Do you feel that Impact of Indian Economy reform On FDI
Yes
No
Maybe
18) Do you know about the industrial growth of SBI or Indian Banking sectors
Yes
No
Maybe
19) If Credit growth and Deposit in Banking Sectors decrease those the bank suffers the
Industrial Losses yes
No
Sometimes
20) Which net asset margin show Bank Profitable
Positive
Negative Neutral
21) Return on total assets are helps to bank maintain high Profits yes No
May be
22) Do you aware about the Key Ratio Analysis
Yes
No
Maybe
23) Ratio analysis is an effective way to evaluate the financial result of bank yes No
79
Maybe
24) SMA ( simple average moving ) method are helps to measured total price of share yes No may be
25) Do you know about the changing price in different year in banking sectors
Yes
No
Maybe
26) Does the banks financial fluctuation affect your banking service
Yes No
somethime
27) Does your bank keep you informed of banking financial changes from time to time
Yes
No
Sometime
28) Are you aware about the product / service being offered by the bank
Yes
No
29) What do you feel about the overall service quality of our bank
Excellent
Very good
Good
Fair
Poor
30) Would you recommend SBI bank to a friends relative or an associate
Yes
No
31) Your over all opinion about this survey
Excellent
Good very
good Poor
Average

80