Yashwantrao Chavan Maharashtra Open University Nashik School of Commerce & Management Yashwantrao Chavan Maharashtra Open University sremranat Dnyangangotri, Near Gangapur Dam, Nashik 422222 MBA ~ General (P79) IMP: TAKE BACK TO BACK PRINT OF PROFORMA FOR APPROVAL OF PROJECT PROPOSAL [P79 PRJ] PROFORMA FOR APPROVAL OF PROJECT PROPOSAL [P79 PRJ] (USE CAPITAL LETTERS ONLY) PRNo. {2/0 |] |B o() lalsyolan 612/516 6 | Neneofitesuderr SUATKH MOHD AZHAR MOHD YARON Contact No, BBS OU 03 © Ulemaitié: Shaikhazhas. 0B amail: Com Swudy centre Name & Cote: BB io\a Co\leje WS cute ac03 Kh Title ot the Project: 4X Comparative Study. o/M the lousiness model and nandal PesPormance of S&T and tered Nineotuesmenine Shoikh Gal man For office use only Synopsis [7 int se 4° Submission Reet Submission Submission | Submission SURRYEER “Approved Approved ‘Approved with suggestions fos < eae tee | Not Approved __| Not Approved ‘Reason = for not. | Approving _ Date & Sign Date & Sign of of Evaluator Evaluator Reason for Not Approval Reframe m cal 3" Submission | 4" Submission Submission _| Submission Title se | Objectives - - “ag Tt | Hypothesis which can be tested = Research Methodology a. | Objectives/ Hypothesis not in line with title m University Guidelines not followed Date & Sign of Evaluator ‘Suggestions for Reformulation‘Yashwantrao Chavan Maharashtra Open University Nashik School of Commerce & Management ‘Yashwantrao Chavan Maharashtra Open University MBA ~ General aeumronet Dnyangangotri, Near Gangapur Dam, Nashik 422222 IMP: TAKE BACK TO BACK PRINT OF PROFORMA FOR APPROVAL OF PROJECT PROPOSAL [P79 PRJ] (USE CAPITAL LETTERS ONLY) prno. (21 o]t | 3/o] 1 [slo] of 2[#[4to to | T6625 66 1) Name and Adiress ofthe Student: STANT KH MOUS AZHAR MIGHD HARUN Room No -8 Chow No +8 16 _ Behind Makkal masjicl-Shiwend ; Pincode: 4}Q.\ BOD contact No: BB TOU0 BOUL Emailia: Qharkh az has (UO @greur| cons G) Subject Area: Finance/Hlyyan Resource Menagemeny’ Marketing Management / Manufacturing Management (4) Name and Address iss x A ofthe Supervisor iW, Shoe Clay Gatbl wags Emit: Shaikh afma ror 6@ynilesiacWo,: LOI |UY BSS aN ay a Is the Supervisor an Academic Yes: Counsellor of the Management Programme of YCMOU (© if Yes, Name of Study Centre and the courses / he / she is counselling for and since when: 6 Signature of Student Signaiut ‘Supervisor Date: 20/9220 23, Date: 20 / 92/20 XS Please do wot forget to enclose the synopsis of the project and the Bio-data of the Supervisor. _A Synopsis on A comparative study on the business model and : financial performance of State Bank of India and ICICI Submitted to School Of Commerce and Management Yashwantrao Chavan Maharashtra Open University Nashik. In partial fulfilment of the Requirement for the award of the degree of Master of Business Administration (MBA) By Ms. Shaikh Mohd Azhar Mohd Harun PRN No. 2018017002162566 Under the Guidance of Shaikh Salman Mohammad Through The Coordinator Study centre code : 3503A1. Introduction The banking sector is very important for the economic development of a country. Traditionally the banks worked as finance depositor and finance provider only but presently as the scenario have changed and many policies and other technical changes have become the part of economies therefore now banks also play many roles in the development of economy. The study is an attempt to analyze the financial performance of SBI and ICICI banks, The State Bank of India, popularly known as SBI is one of the leading bank of public sector in India. SBI has 14 Local Head Offices and $7 Zonal Offices located at important cities throughout the country. ICICI bank is the second largest, leading bank of private sector in India The Bank has 2,533 branches and 6,800 ATMs in India, The study is descriptive and analytical in nature. The collected data was secondary in nature and collected from various reports issued by these banks through internet, The comparison of financial performance of these two banks was made on the basis of ratio analysis. The results indicated that the SBI is performing well and financially sound than ICICI Bank. Also the market position of SBI is better than ICICT in terms to eaming per share, price ratio per share and dividend payout ratio, but on the other hand ICICI bank is performing well in terms of NPA and provision for NPA in comparison of SBI bank, Banking sector is backbone of economy in the country. The finance collected from this sector works in economy as blood works in the body. The banking sector is characterized by various services such as account facility, ATM facility, loan facility, mutual fund facility and many other financial services. These services help a citizen to facilitate his/her work life and private life in many ways. In India the banking sector is witnessed various changes after liberalization and globalization. These changes mould and change the structure of banking system. After globalization many banks has entered in India and has gave tough competition to the existing banks in India. In India few public and few private sector banks were operating since conceptualization of this sector but now they have to face severe competition irom the foreign banks to sustain in the market and consequently many amendments were made by these domestic players to attract customers. Though the own country bank" factor has played important role in the sustainment of these domestic banks because customers can easily rely on these banks and undoubtedly want to transact and make relations with domestic banks, Due to this reason, presently as well many foreign banks has stepped into our country but still not well established. ‘The new generation is open minded in terms of new change and want to avail new facilities offered by foreign banks therefore preferring the foreign banks over domestic banks and now gradually the way of foreign banks is becoming easier in India. But the present study is focusing on the domestic banks and tries to study the financial performance of domestic banks to present the picture before the masses by comparing the public and private sector banks so that the investors, bankers, customers and government can see the insight of domestic banks to make the relation with these banks in future. For this purpose one private bank i.e. ICICI and one public sector bank ie. SBI have been taken to study the financial performance on the basis of ratio analysis, As SBI is one of the leading public sector banks in India and ICICT is the second largest and leading bank of private sector in India. Apart from this the NPA to advance comparison between these two banks was also made to depict the picture of debtors which has turned to bad debis for these banks. The total income depiction of both banks was also made through graph to show the income earning position of the banks. In addition to this, market test ration was also calculated to present the market position of banks in terms of earning per share, price earning ration and dividend payout ratio,2. Importance and Significance of Study The banking system of India is featured by a large network of bank branches, serving many kinds of financial services of the people. The State Bank of India, popularly known as SBI is one of the leading bank of public sector in India. ICICI Bank is second largest and leading bank of private sector in India. The present study is conducted to compare the financial performance of SBI and ICICI Bank on the basis of ratios such as credit deposit, net profit margin ete. The period of study taken is from the year 2007-08 to 2011-12. The study found that SBI is performing well and financially sound than ICICI Bank but in context of deposits and expenditure ICICI bank has etter managing efficiency than SBI. financial health of a bank is the guarantee not only to its depositors but is equally significant for the shareholders, employees and whole economy as well. As a sequel to this maxim, efforts have been made from time to time, to measure the financial position of each bank and manage it efficiently and effectively. In this paper, an effort has been made to evaluate the financial performance of the two major banks operating in northern India .This evaluation has been done by using CAMEL Parameters, the latest model of financial analysis. Through this model, itis, highlighted that the position of the banks under study is sound and satisfactory so far as their capital adequacy, asset quality, Management capability and liquidity is concerned.3. Objectives of Study « The primary objective of the study was: « To study the financial performance of SBI and ICICI banks. # To find the percentage of debtors tums in to NPA (Bad debts). «To explore the relationship between Total Income and PAT (Profit after tax). To study the market position of both the banks4. Hypotheses ‘The study has been conducted with reference to the data related to SBI and ICICI bank. These banks have been studies with the belief that they hold the largest market share of banking business in India, in their respective sector. The study examines the financial performance of Indian banks based on the CAMEL variables and compares the performance of SBI and ICICI banks for the period of 2010-11 to 2014-15. For evaluating the performance of banks, the world renowned CAMEL Model is adopted. CAMEL stands for Capital Adequacy, Asset Quality, Management Quali i Quality and Liquidity. It is considered the best method for evaluating performance and health of the banks since it considers all areas of banking operations. A. The Study The study is an exploratory and analytical in nature with an attempt to explore the financial performance of public sector and private sector banks with reference to SBI and ICICI banks. In this study we basically study the impact of home loan interest rates on the attitude of people towards buying their dream home. B, The Sampling plan For this study, data covers Profit and Loss A/C, Balance Sheets, Financial Highlights for a period of five years from 2010-11 to 2014-15 of SBI and ICICI Banks. C. Source of Data Collection For this research proposal secondary source of data collection was used in the form of reports through internet. D. Tools for Data Collection The data required for the study will be collected from- + Annual reports of respective banks ‘Journals and reports on trends « Newspapers, magazines + Progress of Banking of India * Government publications * Books and websites. E. Tools for Data Analysis For the analysis of collected secondary data following tools were used to know financial performance and business model of SBI and ICICI Banks. # Various financial ratios profitability, leverage, activity, risk management etc.). ¢ Graphs (like bar charts and trend line diagrams) + Different comparative tables © Correlation # Regression F. Sampling Variables For applying regression technique following variables taken as independent and dependent variables: 1. Independent Variables- Total income, total expenditure, advances, capital, assets 2, Dependent Variables — Profit before tax, profit after tax, NPA. G. Expected Contribution The analysis made @ part of this study may contribute in a way analysis of strength and weakness of the banking sector as whole with regard to Various banks from different categories together may make efforts to overcome limitations for lending money to different sectors like agricultural, SST, Priority- non-priority sector, public sector & others.1. Research Methodology [1] M. Kumbirai, R. Webb, “A Financial Ratio Analysis of Commercial Bank Performance in South Africa”, African Review of Economics and Finance, Vol.2, Issue.1, pp.30-53, 2010. [2] Mohi-ud-Din Sangmin, T. Nazir, “Analyzing Financial Performance of Commercial Banks in India: Application of CAMEL Model”, Pakistan Journal of Commerce & Social Sciences, Vol.4, Issue.1, pp.40-55, 2010. [3] R. Mitra, R. Shankar, “Measuring performance of Indian banks: an application Data Envelopment Analysis”, International Journal of Business Performance Management , Vol. 10, Issue.1, pp.57-85, 2008. [4] BA. Singh, P. Tandon, “A Study of Financial Performance: A Comparative Analysis of SBI and ICICI Bank”, International Journal of Marketing, Financial Services & Management Research, Vol. 1, Issue.11, pp.56-71, 2012, [5] MY. Khan, “Financial Management”, Tata McGraw Hill Publication. India, pp.1-665, 2007. [6] S. Padmalatha, J. Paul, “Management of Banking & Financial Services”, Pearson Education, India, pp.1-620, 2010. [7] J. Saluja, R. Kaur, “Profitability Performance of Public Sector Bank in India”, Indian Journal of Finance, Vol.4, No.4, pp.17-25, 2010.& Expected Contribution ‘As a research analysis and result people have knowledge and income and they want to invest but they don't invest. Some crises occurs in there Life just like Covid 19 came everything was stop in everyone's life. They find gambling interesting but they don't gamble. The factors involve to stop them are Some people's are give negative thinking about investment, culture,etc. The main contribution is to expand the arca of behavioral research. This research explores the concept of behaviour finance and investment and preferences for gambling in these Cities. There were lot of options for investment like equity, mutual bonds, company funds, bank deposit and life insurance tc, But people prefer them according to their. Investment to meet their objectives and goals. Chapter 1 Chapter IL Chapter IIL Chapter IV Chapter V ZChapterisation : Introduction : Literature of Review : Obective : Methology : Refrenee Gee oo Sign of Research Candidate ‘Sign Of Research SupervisorRESUME Name:- Shaikh Salman Mohammad Address: -: Building no. 59, Ground Floor, R.A Complex B wing, Near Parkar Manzil, Gulzar Nagar, Bhiwandi- 421302 (Thane) Mobile No: - 7021448585 E-mail:- shaikhsalman026@gmail.com CAREER OBJECTIVES: To obtain a long term career with an organization having a strong background that provides good opportunity for enhancement of professional and personal status ‘SKILLS: * Ananalytical mind with the ability to think creatively, clearly and logically + Ability to work accurately and pay attention to details Excellent spoken and written communication skills, problem solving skills and leadership skills + Good negotiation skills EDUCATIONAL QUALIFICATIONS: [Examination ear ofPassing Board/ University Percentage MBA IT “(2018 Mumbai University _|70 % = [2015 ‘Mumbai University | 64% lsc i072 Mumbai University [53% se “a [2010 Mumbai Board 58% CTECHNIGAUSKILUS:- 1 .MS-Office 2. SQL 3. SAP 4, Web Desinging 5. DBMS 6. HTML 7. Basic Internet SkillRESUME ee 1) Toll Warehouse working was for 9 Month as a SAP Operator and MIS Executive. 2) Sleek International Pvt Ltd working for was 3.3 Year as a Logistics Executive. 3) Dua Lima Retail Private Limited Working for 4 Month as a Operation ~ Executive OR MIS Executive * Hard Working. + Understanding. + Decision Making. + Competitive Edge. + Multi-Tasking. + Efficient Problem Solving. PERSONAL DETAILS:- + Date of Birth: - 20 June 1995 + Maritai Status:- Single + Languages Known:- English , Hindi , Urdu, Marathi.