A

PROJECT REPORT
ON
CORPORATE SOCIAL RESPONSIBILITIES
IN BANKING SECTOR
A Project report submitted in Fulfilment of the requirement for the

Award of degree

In

BACHELOR OF BUSINESS ADMINISTRATION

Submitted By:
MULE PAVAN KUMAR REDDY
H.T.NO. (117619684036)
UNDER THE GUIDANCE OF
MS. KIRAN MAYEE
(Assistant Professor)

SAI – SUDHIR DEGREE & P.G COLLEGE

(Affiliated to OSMANIA UNIVERSITY) B-8/2,E. E. Complex, ECIL
‘X’ ROADS, HYDERABAD-500062.
(2019-2022)

1
 DECLARATION

I, M.PAVAN KUMAR REDDY bearing the roll no 117619684036 do hereby declare that
this project report entitled,” STUDY ON CORPORATE SOCIAL RESPONSIBILTY IN
BANKING SECTOR ”. perception and need of low income group” submitted by me to the
department of business administration of Sai Sudhir PG college, is a bonafide work taken by
me and it is not submitted to any other university or institution for the award of any degree
diploma / certificate or published any time before.

DATE :

PLACE : [ M.PAVAN KUMAR REDDY ]

2
 ACKNOWLEDGEMENT

I take this opportunity to extend my profound thanks and deep sense of gratitude to all the
respondents of my survey for giving me the opportunity to undertake this project work.

My sincere thanks to Principal Dr. Meera Naidu and my project guide I would also like to
acknowledge Sai-Sudhir Degree and PG College and the faculty members who have
extended their support at all the stages of my project.

I am also thankful to all those who have incidentally helped me, through there valued
guidance, co-operation and unstinted support during the course of my project.

(MULE PAVAN KUMAR REDDY)

3
 ABSTRACT

In the recent years Corporate Social Responsibility (CSR) has witnessed tremendous increase in
awareness and control in the global arena. CSR that emerged in 1960 was an attempt to link
business with society. Corporate social responsibility (CSR) refers to strategies that Corporations
or firms employ to conduct their business in a way that is ethical, society friendly and beneficial
to community in terms of development. It is a concept where Business organizations apart from
their profitability and growth show interest in societal and environmental welfare by taking the
responsibility of impact of their activities on stakeholders, employees, shareholders, customers,
suppliers, and civil society. It takes into consideration the social and environmental implications
of corporate financial decisions. With the increasing need for economic development across the
globe, there is demand for Financial Institutions to take central role in the efforts to eliminate
poverty, achieve equitable and accountable systems of governance and ensure environmental
security. In this regard, actions taken by corporate houses and regulatory authorities operating in
developed nations are quite satisfactory. However in developing nations the situation of CSR
activities by financial institutions is not so flourishing. In this reference the present paper attempts
to analyze the CSR practices in Indian banking sector.

4
 INDEX

S.NO CONTENT PAGE NO.

CHAPTER 1 INTRODUCTION 1-8

• Need of the study
• Scope of the study
• Objectives of the study
• Research Methodology
• Limitations of the study

CHAPTER 2 THEORETICAL FRAMEWORK 9-13

CHAPTER 3 DATA ANALYSIS & 14-33

INTERPRETATION

CHAPTER 4 FINDINGS , SUGGESTIONS

&
CONCLUSION

CHAPTER 5 BIBLIOGRAPHY

CHAPTER 6 ANNEXURE

5
 CHAPTER -1

INTRODUCTION

INTRODUCTION :

6
The concept of Corporate Social Responsibility(CSR) has eveolved over the past decades from a
marginal,and often neglected, area of interst,into a comprehensive area of specialization,which has
become increasingly relevant in decision making processes in firms and enterprises. In fact ,CSR
used to be discussed only by a small group of academics(Cochran,2007). Despite the increasing
interest by professionals and academia,to this day there is no universally accepted definition of
CSR. A paper written by Archie B. Carroll in 1979, A Three -Dimensional conceptual model of
corporate performance,is generally accepted as the most relevant analysis of CSR . “Corporate
social responsibility involves economical,legal,ethical,and volunatary expectations that the
society has towards enterprises or firms at any given time”(Carroll,1979).

Carroll ha redefined the term “voluntary actions” as “philonthrophic actions”(Carroll 1991).

Following the works Carroll, Lantos calssified CSR into three categories, i.e. Ethical, Altrustic
and responsibility. Bloom and Gundach define social responsibility as an enterprise towards its
stakeholders, i.e. individual and groups who have influence on the firm,or are directly impacted
by the firms’ policies and practices. Such obligations exceed the framework of legal requirements.
The fulfilment of these requirement is meant to minimise damage and maximise long term
positive impact of the firm on the society.

7
Social Responsibility of business refers to what a business does over and above the statutory
requirement for the benefit of the society. The word “responsibility” emphasizes that the business
has some moral obligations towards the society. CSR, also known as Sustainable Responsible
Business (SRB), or Corporate Social Performance, is a form of corporate self-regulation
integrated into a business model. Industrialization and commercialization of service sector have
explored vivid avenues of progress to a nation but at the flip side it has rooted the use of non-
renewable energy sources, global warming, green house gas mission and rising levels of waste
which have harmful effects to the generation coming next. The growing concerns for sustainable
development, environmental performance, encompassing pollution control and management of
natural resources has given mass recognition to the concept of Corporate Social Responsibility
(CSR). The integration of CSR principles in operating activities of business is very much essential
to ensure sustainable development of an economy. In the financial sector several international
initiatives like United Nations Environment Programme Finance Initiative, Global Reporting
Initiative, Equator Principles and Collavecchio Declaration on Financial Institutions are underway
to ensure the adoption of CSR practices in normal business operations. These initiatives have
favorably tuned up developed countries to behave in a socially responsible way. But in developing
nations, there is a lack of focused and effective actions to the current need. In addition to this a
very limited research work has been done to investigate the CSR practices in developing and
emerging nations. In fact the academic publication on this fiery issue is primarily western centric.
Belal noted that most of the CSR studies conducted so far were in the context of developed
countries such as Western Europe, the USA and Australia and we still know too little about
practices in smaller and emerging countries. In this context, the present paper attempts to examine
the steps initiated by Indian commercial banks to represent their efforts in this arena. The second
section unfolds some prominent dimensions of CSR practices world-wide. Next section entails the
discussion of CSR practices in banking industry with special reference to Indian banks. The Last
section summarizes the limitations of CSR practices in Indian banking sector and gives
suggestions to improve the current scenario.

8
CSR defined :

According to Forbes (2010), works in two ways. The company gives back to the turn,
people get to know about the company who helped them most and cater to their products
and services.

Peter Drucker argued that companies have a social dimension as well as an economic
purpose in his second book, of Industrial Man, in 1942.

Carrol and Buchholtz defines CSR as “the economic , legal , ethical, and
philanthropic expectations placed on organizations by society at a given point in time.”

According to Bowen, “CSR refers to the obligations of businessmen to pursue those

policies to make those decisions or to follow those lines of relations which are desirable in
terms of the objectives and values of our society.

9
Need of the study:

 CSR is increasingly being seen as important and integral part of normal business
operations.
 So there is no need to see how does responsible business help to enhance business
operations , in achieving a sustainable outcome.
 CSR achieving commercial success in the ways the honour ethical values and respect
people ,ommunities and the natural environment.
 CSR is a combination of policies , education and practices which extent throughout a
corporations operation and into the communities in which they operate.

10
OBJECTIVES OF THE STUDY:

1.To analyse the status of CSR practices in Indian banking sector.

2.To acquire perception about various commercial banks in India.

3.The ultimate purpose of CSR is to maximize sharedvalue among organizations,Employees ,

Shareholders, customers .

4.To maintain long run success of the business and achieve customer loyalty.

11
SCOPE OF THE STUDY :

There are certain particular areas in which the objectives of Corporate Social Responsibility
have been found, and these are as discussed below:

 Energy: In terms of Corporate Social Responsibility, this area is concerned with the
conservation of energy while conducting business operations and even enhancing
the energy efficiency of the products of the company.
 Environment: This area of the Corporate Social Responsibility is involved with the
environmental aspects of the product that covers the pollution control while
conducting any business operations, repair or prevention of damage to the
environment that is resulted from the processing of the natural resources along with
the conservation of the natural resources.    
 Human Resources: In terms of Corporate Social Responsibility, this area is
concerned with the impact of the organizational activities on the people who
constitute the human resources of the organization. These administrative activities
include training programs, recruitment practices, job enrichment, job rotation, fringe
benefit plans, wage, salary levels, etc.
 Fair Business Practices: In this area, the Corporate Social Responsibility is
concerned with the relationship of the company to the special interest groups.
Specifically, this area deals with the advancement of the minorities, employment of
the minorities, employment of the other special interest groups, employment of
women, socially responsible practices abroad, and support for minority businesses. 
 Community Development:  With respect to Corporate Social Responsibility, the
area of community development involves health-related activities, community
activities, the arts, and education, along with the other disclosures of the community
activity.

12
RESEARCH METHODOLOGY:

MEANING :

Research Methodology – is a way to systematically solve a research problem. It is a science of

studying how research is done scientifically. Essentially it is the procedure by which the
researchers go about their work of describing, evaluating and predicting phenomenon.

Research methodology helps the researcher to identify, understand, quantify reason out .explain,
predict and control the subject under study. The review of literature serves a static function of
knowledge through gaining insights into subject through reviewing the contribution of theories,
research and practice of the past known as an important source of knowledge the “tradition”
meaning intensive study of literature that prevails in the theories published and unpublished
books, journals, reports, magazines with respect to the phenomenon under study whereas the
methodology serves a dynamic purpose of knowledge known as “authority” meaning making an
indigenous contribution to the knowledge through ones own findings gathered from empirical data
of the field and coherent analysis to advance the subject by building a strong body of knowledge
through acceptance, modification, rejection and alteration of various theories and approaches and
developing guidelines for future implications .

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SOURCES OF DATA

PRIMARY DATA :

The data needed by resercher might not exist,or the existing data might be dated,inaccurate ,
icomplete,or unavailable. In this case the researcher will have to collect primary data at
greatercost and longer and longer delay but probably with morerelevance and accuarcy. Primary
data is defined as “data collected through original researchpertaining to the particular research
asked”.

Primary data collected through Surveys & Questionnaries.

SECONDARY DATA :

The secondary data collected from the respondents were through Reports , Research papers,
journals. Secondary data is udeful not only to find the information to solve our reserch problem,
but also better understand and explain our research problem. There are several sources for the
collection of secondary data like Online Data , Books,Articles , government, Non- Govermnet
organization. We have certain advantage for using the secondary data are Saving Money & Time,
high quality and reliable. With the help of Secondary Data, its become very easy to compare with
the primary data.

Sample size :

In this research only a few items can to be selected from the population for the study purpose.
The items selected constitute what is technically called sample.Here is the sample size is 60 from
the total population.

Research Design Type : Descriptive research design

14
LIMITATIONS OF THE STUDY:

1.The study is restricted only on CSR activities

2.Only HDFC Bank and ICICI bank arc considered for analysis.

3.Clash in Business objectives.

4.Competitive advantage.

5.Impact on Regulaton of the corporate.

6.Most CSR solutions cannot be scaled up to address societal challenges.

7.For many CSR strategies , the rangeof stakeholders engaged is limited.

15
 CHAPTER-2

THEORITICAL FRAMEWORK

16
Theoritical Framework

CORPORATE SOCIAL RESPONSIBILITIES

DEFINITION OF CSR
The European United established the concept and framework of Corporaate Social
Responsibilities (CSR) to promote CSR practices to the business society. CSR refers to the “firms
consideration of , and response to ,issues beyond the narrow economic ,technical and legal
requirements of the firm…(to)accomplish social benefits along with the traditional economic
gains which the firms seek “. To date the notion CSR have had a large no of definitions over the
past decades and yet, there is still no definite interpretaion of it. The absence of solid consensus of
CSR is primarly because companies from different industries present different perspective on
CSR aligns with their specific situations and challenges.

The Europen Commission (2002) defined the term as “a concept whereby companies integrate
social and environmental concerns in their business operations and in their interactions with their
stakeholders on a voluntary basis “ following increasingly aware that responsible behaviour lead
to sustainable business success. While I is arguable wheather or not CSR practices actually add to
the long term gain, it is clear that it does generate goodwill.

CSR may be viewed in two different dimensions (Siwar and Harizan , 2009) :

A) Internal -CSR Practices mainly deals with employess and related to issue such as investing
in human capital, health and safety management and change, hwile environmentally
responsible practices relate to management of natural resources and its usage in
production.
B) External – CSR Practices that go beyond the company and into the local community,
involving a wide range of stakeholders such as business partners, Suppliers customers,
public authorities and NGOs that represent local communiries as wll as the emvironment.

17
Carroll’s CSR Pyramid
To be able to distinctions regarding a company and its different kind of
respnsibilities toward it’s stakeholders carroll has constructed a model that can be
applicable in a global context (Huniche and Pedersen , 2006). For a definition of
CSR to address all of companies obliga9-tion to society , it must encompass
economic , legal , ethical and dicretionary aspects of business performance ( Carroll
, 1979; Simon & Fedrick , 2009 ) .

Economic Responsibility

Economic responsibility shall be considered as the core responsibility and placed as

the bottom of the pyramid to symbolise the bedrock foundation ( Carroll , 2004 ).

This is so because every corporation has responsibility to provide strong return for
investor and other stackholders , create jobs , produce goods and services demanded
in order to make profit ( Carroll , 199; 2004; Davidson, 2004; Hendburg &
Lindgren, 2009).

18
How can CSR practice be improved :
1. Ask Tough Questions.
2. Increase Transparency.
3. Focus on Equity.
4. Deepen Community Connections.
5. Reimagine Risk Tolerance.
6. Evolve your Idea of Measurability.
7. Encourage Creativity.
8. Improve Your Responsiveness.

19
SOCIAL OBLIGATIONS AND CSR:

A good CSR practice will increase the morale of the workers, which inturn increase the

productivity .Indirectly religion, culture, tradition, family values plays a major role in

contributing toward CSR activities

 Zakaat is an Islam law which states that “a portion of one’s earning must be shared

with the poor in the form of donation.

 Similiar to Islam’s Zakaat, Sikhs followed Daashant . This is sikh’s religious

obligation. One tenth of their earnings are contributed towards common resources

of community in the name of Guru.

 Hindus followed Dharmada where the manufacturer or seller charged a specific

amount from the purchaser, which was used for charity. The amount was known as

charity amount or Dharmada.

 In Atharvana veda it says “one should procure wealth with one hundred hand and

distribute with one thousand hands”.

 Yajurveda says “enjoy riches with detachment; do not cling to them, because they

belong to public.”

 In Rig Veda it states, “Need for the wealthy to plant trees and build tanks for the

community as it would bring glory to life in future”.

20
INDIAN BANKING SECTOR:

 Indian banking sector is well organised and regulated.

 The Indian banking system consists of 18 public sector banks, 22 private sector banks,
46 foreign banks, 53 regional rural banks, 1,542 urban cooperative banks and 94,384

rural cooperative banks as of September 2019.

 As per the Reserve Bank of India (RBI), India’s banking sector is sufficiently

capitalised and well-regulated. RBI’s new measures may go a long way in helping the

restructuring of the domestic banking industry.

 The digital payments system in India has evolved the most among 25 countries with

India’s Immediate Payment Service (IMPS) being the only system at level 5 in the

Faster Payments Innovation Index (FPII).

 Reserve Bank of India (RBI) has decided to set up Public Credit Registry (PCR) an

extensive database of credit information which is accessible to all stakeholders.

21
 LIST OF SCHEDULED COMMERCIAL BANKS

SI.No Public Sector Bank Private Sector Bank

1 State Bank of India Axis Bank Ltd

2 Allahabad Bank Catholic Syrian Bank

3 Andhra Bank City Union Bank Ltd.

4 Bank of Baroda Development Credit Bank Ltd.

5 Bank of India City Union Bank Ltd

6 Bank of Maharasthra Development Credit Bank Ltd.

7 Canara Bank Dhanalaxmi Bank Ltd

8 Central Bank of India Federal Bank
9 Corporation Bank HDFC Bank Ltd
10 Dena Bank ICICI Bank Ltd.
11 Indian Bank IndusInd Bank Ltd.
12 Indian Overses Bank Jammu &Kashmir Bank Ltd.
13 Oriental bank of Commerce Karnataka Bank Ltd.
14 Punjab National Bank Karur Vysya Bank Ltd.
15 Punjab & Sindh Bank Kotak Mahindra Bank Ltd
16 Syndicate Bank Lakshmi Vilas Bank Ltd.
17 Union Bank of India Nainital Bank Ltd

18 United Bank of India Ratnakar Bank Ltd.

19 UCO Bank Yes Bank Ltd.

20 Vijaya Bank Bandhan Bank

21 IDBI Bank Ltd IDFC Bank Ltd.

22
CSR INITIATIVES BY THE BANKING SECTOR:
Banking Sector not only concentration in financial term, but also in upliftment of society.

The government provide data regarding the amount spent on CSR activities.

Major areas of CSR along with their expenditure on CSR activities:

1) HDFC Bank :HDFC Bank is a big player of private sector bank which is well
established in working. HDFC Life is committed to being a socially responsible corporate
and its CSR framework is  governed by a formal policy. Besides, the Company’s
employees also actively embrace and  participate in the Company’s community initiatives
to accelerate inclusive growth and  strengthen environment protection. Areas of CSR
intervention includes Empowering through  Sustainable Livelihood Initiatives, Financial
Literacy and Inclusion, Promoting Education,
Skill Training and Livelihood Enhancement, Promoting Healthcare, Environmental
Sustainability, Eradicating Poverty and Rural Development. 

CSR Development FY 2014- FY 2015- FY 2016-17 FY 2017-

Project(s) Sector(s) 15 16 18

1 Environmental 9.50 7.20 1.01 0.73

Sustainability

2 Vocational skills 124.70 179.90

3 Education 161.53 34.59 25.11 41.29

4 Health care 72.40 82.60 23.19 15.19

5 Rural development 801.80 93.04 220.13 295.85

projects

6 Poverty hunger 13.6 4.46 4.18

Malnutrition

7 Skill Training and 30.04 17.31

Livelihood
Enhancement

Average Net Profit 98.56 124.00 15,199.60 18,246.45

CSR SPENT 1.19 12.72 305.42 374.54

2).ICICI Bank : ICICI Bank is the second largest bank in India in terms of assets and market
capitalisation. The bank has a network of 5,275 branches and 15,589 ATMs across  India and has

23
a presence in 17 countries including India. ICICI’s CSR activities  includes Education, Health
care, Skill development and sustainable livelihoods,  Financial inclusion, Support employee
engagement in CSR activities and Capacity  building for corporate social responsibility. 

TABLE 4: ICICI CSR ACTIVITIES (in Crores ) 

CSR Development FY 2014- FY 2015- FY 2016- FY 2017-
Project(s) Sector(s) 15 16 17 18

1 Education 7.39 6.9 0.93 3

2 Environmental 3.23
Sustainability

3 Livelihood 41.28 1 47.5 56

enhancement projects

4 Vocational skills 1.70 45.00

5 Health care 0.62 0.9 3.61

6 Prime minister National Relief

Fund

7 Rural development  projects 130.00 140 130.33 104.06

8 Armed Forces 5
Veterans War
Widows/ Dependants

Average Net Profit 8,578.96 10600 9,986.39 8510.12

1 CSR SPENT 155.00 172 182.36 170.2

CSR Practices in Indian Banks :

Banking in India originated in the last decades of the 18th century with the establishment of
General Bank of India in 1786 and the Bank of Hindustan set up in 1870 (however both of the

24
banks are now defunct). The oldest bank existing in India is the State Bank of India and the apex
regulatory authority of Indian banking sector is Reserve Bank of India. At present, the commercial
banking structure in India consists of Scheduled Commercial Banks & Unscheduled Banks. Since
independence, banking in India has evolved through four distinct phases:

 Foundation phase (1950s till the nationalization of banks in 1969).

 Expansion phase (mid-60s to 1984), CSR Practices in Indian Banking Sector 857

 Consolidation phase (1985 to 1991) and

 Reforms phase (since 1992).

In recent years an attempt has been initiated to ensure socially responsible behavior of banking
sector in a more organized manner. The CSR in Indian Banking Sector is aimed towards
addressing the financial inclusion, providing financial services to the unbanked or untapped areas
of the country, the socio-economic development of the country by focusing on the activities like,
poverty eradication, health and medical care, rural area development, self employment training
and financial literacy trainings, infrastructure development, education, and environmental
Protection etc. RBI also insisted upon taking measures for sustainable development of economy
through realizing the dire necessity of CSR. Reserve Bank of India (2007) stated that CSR entails
the integration of social and environmental concerns by companies in their business operations
and also in interactions with their stakeholders. The major thrust areas for CSR practice in Indian
banks are common in public sector and private sector banks. These areas include children welfare,
community welfare, education, environment, healthcare, poverty eradication, rural development,
vocational training, women's empowerment, protection to girl child and employment.

1).Some Recent CSR Initiatives by Indian Banks

The central bank of India decided to go for energy efficient buildings in order to address
ecological and environmental concerns as its CSR practice. Following are the other banks that
fulfil their social responsibility:

25
2).Small Industries development bank of India - has included environmental and social
aspects in its core business activities so as to ensure sustainable development. It is providing
Concessional and liberal credit to medium and small scale industries which are Initiating energy
saving projects and are adopting pollution control measures.

3).Yes bank is the fourth largest private sector Bank of India. Yes bank in association with
CARE India and Humanitarian relief and development NGO has launched India’s first Social
Deposit Account (SDA). SDA is a regular Fixed Deposit account where customers have the
option of donating their interest income to a social cause through CARE India. Yes Bank received
the Best Corporate Social Responsibility Practice award at the 6th Social and Corporate
Governance Awards 2010 held in Mumbai. . It also won Best CSR Practice Award in March
2011.

4).State Bank of India (SBI), The nation's largest lender State Bank of India (SBI) has
created a separate company, SBI Foundation, to carry out its massive CSR initiatives and hopes to
get it "running" from July. It has also has adopted green banking in its lending operations.

5). Industrial Credit and Investment Corporation of India (ICICI) has shown its
commitment to corporate environmental stewardship and extended a great support to clean
technology projects. It has also liberalized credit to zero emission vehicles.

6).Union Bank of India has well developed Corporate Social Responsibility initiatives in
place. The focus on the rural sector is through Village Knowledge Centres and Farmers' Clubs etc.
It launches schemes for the girl child, where bank take care of education expenses. Initiatives are
in place in other areas such as providing drinking water for schools, setting up bus shelters etc. All
CSR initiatives have shown good results and they are an ongoing part of bank’s contribution to
the building of the nation.

26
7).Industrial Development bank of India (IDBI) has set up carbon desk. IDBI has
come forward to join hands with Smile Foundation in social development initiatives. The bank has
contributed 14 personal computers to Smile Foundation which have been utilized in four different
projects being implemented through as many partners in Delhi and NCR.

8).Axis Bank has set up a Trust the Axis Bank Foundation (ABF) to channel its philanthropic
initiatives. The Foundation has committed itself to participate in various socially relevant
endeavours with a special focus on poverty alleviation, providing sustainable livelihoods,
education of the underprivileged, healthcare, sanitation etc. ABF aspires to contribute in the areas
of education and healthcare. It has set up various programmes which provide educational support,
in order to meet these goals.

9).Housing Development Finance Corporation (HDFC ) has been working with

NGOs for providing non formal vocational and technical education programs as well as skill up
gradation courses to enable sustainable employment and income generation for economically
weaker sections.

10).Indusind Bank has committed to minimizing the environmental impact of bank

operations on the planet. Through its Solar ATMs, solarised premises, green operations and
supply chains bank is doing a bit in integrating environmental stewardship across its operations
and investment portfolio.

11 ).Punjab National Bank (PNB) ’s approach to Corporate Responsibility in the

community is firmly rooted in its commitment to support people below poverty line and
downtrodden section of the society.

27
There are 27 public sector and 23 private sectors banks in India. But CSR practices adopted by
banks are not at a big level. From the above table it can be concluded that private sector banks
doing great job in the field of CSR. In the field of implementation of CSR practices in the banking
companies, Yes bank is at the top with 25th rank, HDFC bank is at 44th rank and Axix bank is at
57th rank. public sector banks CSR ranking is not so good out of 100 companies in the
comparison of private sector banks. But overall the public sector banks have highest contribution
in CSR activities. Private sector banks and foreign banks are still lagging in this area.

CSR Activitiies in PUBLIC SECTOR Banks :

Number of Banks
Rural Development 4

28
Women Empowerment 2
Poverty Education 2
Community Welfare 2
Education & employment 1
Vocational Training 1

Number of Banks
4.5
4
4
3.5
3
2.5
2 2 2
2
1.5
1 1
1
0.5
0
t t on re t ng
en en ti fa en ni
pm er
m ca el oy
m ai
lo w du W pl Tr
ev
e
po
E ity al
lD rty un Em on
ra Em ve m & ti
en Po m on ca
Ru Co cti Vo
om ua
W
Ed

Number of Banks

CSR Activities PRIVATE SECTOR Banks :

Number of banks
Education&Employment 3

29
Children Welfare 2
Environment 2
Community welfare 2
Rural development 1
Health care 1
Responsible banking 1

Number of Banks
3.5
3
3

2.5
2 2 2
2

1.5
1 1 1
1

0.5

0
t re t re t re g
en fa en fa en Ca in
m el nm el pm nk
oy W iv ro lo lth B a
pl W e a
Em re
n
En ity ev He le
& i ld un lD nsi b
on Ch m
m ra sp
o
ati Co Ru Re
uc
Ed

Number of Banks

30
 CHAPTER- 3

DATA ANALYSIS
&
INTERPRETATION

6. In the questionnaire, there were 10 questions in the questionnaire and the

data was collected from Moradabad region of Uttar Pradesh. The sample size

31
was 60, so 60employees were personally interviewed to fill the questionnaire.
Demographic Profile of the Respondents is as follows:

Respondents - Gender

Females
48%
Males
52%

Males Females

INTERPRETAION

It is found from the questionnaire that out of 60 respondents, 36 were males and 24 were females,
i.e. 52% were males and 48% of the respondents were females.

7. What are the important reasons for company to get involved in CSR
activities in your opinion?

32
 Male (%) Female(%)

1.To improve image of 60% 40%

company
2.To attract employees 50% 50%

3.To increase income 50% 50%

4.To help society & 40% 60%

environment

70%

60% 60%
60%

50% 50% 50% 50%

50%

40% 40%
40%
Male
Female
30%

20%

10%

0%
1 2 3 4

Interpretation :

8.Importance ascribed to CSR activities

33
Profit concern-Economic Responsibility 100%

Legal Concern-Legal Responsibility 85%

Ethical Concern-Ethical responsibility 80%

Volounatary action concern- 25%

philanthrophic responsibility

120%

100%
100%
85%
80%
80%

60%

40%
25%
20%

0%
Profit concern Legal concern Ethical concern Volountary action
concern

Series 1

Interpretation :

Most of the CSR ascribed in Profit concern-100% , Legal concern-85%,

Ethical concern-80%& Volountary action concern-25%.

34
 CHAPTER – 5

FINDINGS, SUGGESTIONS & CONCLUSION

35
 FINDINGS :

 Seeing & Believing.

 Above & beyond.
 Rising CSR Awareness in Banking sector..
 Responsible consumer.
 Good intentions,Lagging performance.
 Confidence in change.
 Information in needs.
 Social media is key.
 CSR Reports are still Relevant.

SUGGESTIONS :

36
  Adopt a business code of ethics.
 Follow a workplace health and safety program.
 Commit to protecting the environment.
 Get your suppliers on board.

CONCLUSION

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Banks play a major role in the financial improvement of any country. This research gives a basic
idea of the general practices being followed by the bank. From the above findings, it can be
concluded that SBI is playing an outstanding role to bring out the relationship between the
organization and the society. SBI is trying its best to benefit the society in every manner it can..

NOTE :

“Corporate Social Responsibility is more than just a business trend or fad. Business that want to
stay relevant tp new generations and who want to help people in need around the world whilr
increasing their own revenue and efficiency will benefit from embrassing CSR.”

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 CHAPTER – 6

BIBILOGRAPHY

BIBILOGRAPHY :

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 Alniacik, U., Alniacik, E., and Genc, N. (2011). How corporate social responsibility information
influences stakeholders’ intentions. Corporate Social Responsibility and Environmental
Management.
 Anderson, R., Sweeney, D.J., Williams, T.A., Freeman, J., and Shoesmith E. (2014). Statistics for
Business and Economics. Cengage Learning EMEA, Hampshire UK. Banerjee, S. (2008).
Corporate Social Responsibility: The Good, the Bad and the Ugly.
 Barako, D.G. and Brown, A.M. (2008). Corporate social reporting and board representation:
evidence from the Kenyan banking sector.
 Journal of Management and Governance Bear, S., Rahman, N., and Post, C. (2010). The Impact of
Board Diversity and Gender Composition on Corporate Social Responsibility and Firm Reputation.
Democratic Theory and Public Opinion. The Public Opinion Quarterly.
 Boiral, O. (2013). Sustainability reports as simulacra ,Accounting, Auditing and Accountability
Journal.

Website:

https://www.wikipedia.org-www.wikipedia.com

NEWSPAPERS :
TIMES OF INDIA

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 CHAPTER 7

ANNEXURE

QUESTIONNAIRE

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1). Are You Male or Female

o Male
o Female

2). Age?

o 18-25
o 25-35
o 36-50
o 50+

3). What is Your Occupation?

o Student
o Unemployed
o Employee
o Other

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