Final Report My

The financial statement analysis of public limited Banks
ICFAI UNIVERSITY TRIPURA
FACULTY OF MANAGEMENT AND COMMERCE

SUMMER INTERNSHIP 2021
TOPIC: THE FINANCIAL STATEMENT ANALYSIS OF PUBLIC

LIMITED BANKS
SUBMITTED BY:
NAME: APARNA DEBNATH
ID NO. 20IUT0150049
COURSE: BBA
BATCH: 2020-2023
Faculty Guide:
Dr. TRINANKUR DEY
Company guide:
Mr. Sunit Saha
DATE – 10/08/2021
Aparna Debnath| BBA batch -2020-2023| Summer Internship-2021| Date: -29 July 2021
Page 1
TITLE: -
TO ANALYSE THE STATEMENT ANALYSIS OF PUBLIC LIMITED BANKS FROM
2010-2021
APARNA DEBNATH
BBA
I’D NO: -
20IUT0150049
BATCH: -2020-2023
REPORT SUBMITTED IN PARTIAL FULFILLMENT OF REQUIREMENT A BBA

PROGGRAM BATCH 2020-21
THE ICFAI UNIVERSITY OF TRIPURA
Table of content
SL NO. PARTICULAR PAGE NO.
Chapter – 1
1 I. Introduction
II. Company Profile
III. 3C report on public limited Banks 8-33
IV. SWAT Analysis of public limited
Banks.
2 Chapter -2
Objective 34
3 Chapter – 3
Limitation 35
4 Chapter – 4
Methodology 36
5 Chapter – 5
Data Analysis 37-62
6 Chapter – 6
Findings 63-64
7 Chapter – 7
Conclusion 65
8 Chapter – 8
Appendices 66
9 Chapter -9
Bibliography 67
10 Chapter – 10
Glossary 68-69
Page 3
Acknowledgement
The satisfaction and euphoria that accompanies the successful competition of any task would be
incomplete without mentioning the name of the people who made is possible whose constant guidance and
encouragement crown all the efforts with success
I am deeply indebted to all people who have guided inspired and help us in the successful completion
of this project. I owe a debt of gratitude to all of you them, who were generous with their time and expertise.
I am highly intended and extremely thankful to (Company Guide) Mr. Sunit Saha & (Faculty Guide)
Dr. Trinankur Dey and another one Prof. Arindam Sinha who gave us golden opportunity to do this
wonderful report and encouragement to me. The strong interest evinced by them helped me in dealing with
the problem.
Secondly, I would also like to thank my parents and friends who helped us a lot in finishing this
report within the limited time.
I am making this report not only for marks but to also to increase our knowledge.
APARNA DEBNATH
BBA (2020-2023)
List of Tables
Table Table Name Page No.
No.
1 Total market capture 37
2 Amount of current price 38
3 High value 39
4 Low value 40
5 Book value price of banks 41
6 Profit and Loss 42
Total amount of revenue
7 Payment interest paid 43
8 Total expense 44
9 Financing profit gained 45
10 Amount of other income 46
11 Value of depreciation 47
12 Profit before tax 48
13 Total net profit 49
14 Balance sheet Data 50
Share capital Invested
15 Amount of reserves 51
16 Amount of borrowing 52
17 Other liabilities 53
18 Amount of total liabilities 54
19 Amount of fixed asset 55
20 Investment 56
21 Other asset 57
22 Total amount asset 58
23 Cash Flow Statement Data 59
Operating activity
24 Investing activity 60
25 Financing activity 60
26 Net cash flow 62
Page 5
ABRIBIATION
LIST OF ABBREVIATIONS
 AIEDC Association of Entrepreneurs Development Cell
 SBI State Bank of India
 UCO United Commercial Bank Limited
 PNB Punjab National Bank
 GAAP Generally Accepted Accounting Principles
 CIN Corporate Identification Number
 PUL Power Joyti Fee Collection
 Cr Crore
 ATM Automatic Teller Machine
 RTGS Real Time Gross Settlement
 NEFT National Electronic Funds Transfer
 VISA Visitors International Stay Admission
 IMPS Immediate Payment Service
 E-TDR Multi Option Deposit
 SWOT Strengths Weakness Opportunities Threats
 AAD
ABSTRACT
The project report entitled to ‘A STUDY ON THE FINANCIAL ANALYSIS OF PUBLIC LIMITED
BANKS’. The main theme of the study is to analyze the financial position of the company. It bis process of
identifying the financial strength weakness of the bank properly establishing relationship between the item
balance sheet and profit and loss account and cash flow account.
The various tools used for the study are ratio analysis ratio analysis, charts and table are used for better
understanding.
The present study attempts to evaluate the financial performance of selected Indian commercial banks
for the period 2010 – 2021 the study comprises 5 commercial banks and the financial performance of
these banks are analyzed using the financial ratios.
Page 7
CHAPTER- 1
INTRODUCTION
Financial statement is a systematic process of analyzing the financial information in the financial
statements to understand and take economic.
The financial statements of a company file very important economic data on daily view of a
business’s functions. As such they can be assess or evaluated on the essential of Previous, present, and
projected representation.
In usual, financial statements are integrated around GAAP in the U.S. These primaries need a
company to make and sustain three prime financial statements: the income statement, the balance sheet,
and the cash flow statement. Public company has proper / Appropriate value for Financial Statement
reporting.
There are three key financial statements, every association or companies makes and instructor
these are The Balance sheet, income statement and another one is cash flow statement. Companies
exercises these financial statements to control the activities of their liability and also to share reporting
transparency to their stake holder.
It is used by difference of stakeholders, such as credit and equity investors, the public, and the
administration, and decision makers within the Association, we know that these stakeholders have
unique interests and apply a different of techniques to meet their needs.
We know that financial ratios are very strong tools to complete some quick analysis of financial
statements.
This report helps us to know the view of business’s financial health, which is beneficial for making
leading decisions. The main aim of this report is to experiment capital conduct. It helps us and our
investors make aware decisions about how to control or manage the business.
This chapter will give the information about the financial analysis of public limited banks last
12 years. main things are that this study focuses only few banks. These are State bank of India, Axis
bank, UCO bank, Bank of Baroda, Panjab National bank.
Company Profile (where I have been trained)
AIEDC: Association of Industrial and Entrepreneurs Development Cell is an unlisted private

company incorporated (Section -8 Company) on 19 March, 2021. It is classified as a not-for-profit
company and is located in, Tripura. The current status of Association of Industrial and Entrepreneurs
Development Cell is
- Active.
Details of the last annual general meeting of Association of Industrial and Entrepreneurs Development
Cell are not available. The company is yet to submit its first full-year financial statements to the
registrar.
Association Of Industrial and Entrepreneurs Development Cell has two directors –
 Mr. Sunit Saha
 Mrs. Rina Saha
The Corporate Identification Number (CIN) of Association of Industrial and Entrepreneurs

Development Cell is U85300TR2021NPL013893. The registered office of Association of Industrial and
Entrepreneurs Development Cell is at C/O M-8119054885, HOUSE NO.283610, WARD NO 28,
JOGENDRA NAGAR,
NR, MAHASHAKTI NAGAR AGARTALA West Tripura, Tripura.
Page 9
3C Report of Public limited banks
(A) Company Profile of State Bank of India

State bank of India: State Bank of India (SBI) a Fortune 500 company, is an Indian
Multinational, Public Sector Banking and Financial services statutory body headquartered in
Mumbai. The rich heritage and legacy of over 200 years, accredits SBI as the most trusted Bank by
Indians through generations.
SBI, the largest Indian Bank with 1/4th market share, serves over 44 crore (Cr.) customers through its
vast network of over 22,000 branches, 58,500 ATMs, 66,000 BC outlets, with an undeterred focus on
innovation, and customer centricity, which stems from the core values of the Bank - Service,
Transparency, Ethics, Politeness and Sustainability.
The Bank has successfully diversified businesses through its 11 subsidiaries i.e., SBI General
Insurance, SBI Life Insurance, SBI Mutual Fund, SBI Card, etc. It has spread its presence globally and
operates across time zones through 233 offices in 32 foreign countries.
Growing with times, SBI continues to redefine banking in India, as it aims to offer responsible and
sustainable Banking solutions
 Vision, Mission, Values of SBI
Vision: Be the Bank of Choice for a Transforming India

Mission: Committed to providing simple, Responsive and innovative financial solution
Values: Service, Transparency, Ethics, Politeness, Sustainability
 Products & Services Of SBI
Payments/Transfer
o Funds Transfer
o Intra-Bank Transfer
o RTGS/NEFT
o Credit Card (VISA)
o IMPS Payments
o NRI eZ Trade Funds Transfer
E – Deposits
o E-TDR/e-STDR
o E-TDR/e-STDR under Income Tax Savings Scheme
o SBI Flexi Deposit
o E-Annuity Deposit Scheme
o E- Recurring Deposits
Smart Cards
o Gift Card
o Smart Pay-out Card
o State Bank eZ Pay Card
o State Bank Achiever Card
Page 11
o State Bank Virtual Card

o VISA Foreign Travel Card
o MasterCard Foreign Travel Card
 Awards
IBA 18th Annual Technology Award 2022
Awarded “Best Performing Bank under CLSS” from Government of India, Ministry of
Housing & Urban Affairs under PMAY-U Awards-2021: 150 Days Challenge”
Awarded “Special Jury Award for Consistent Transformation" from BT-KPMG Best
Banks & Fintechs Awards 2022
Awarded “India’s Best Annual Report Awards-2022"
Awarded “Best Security Awareness Award” and “Best Security Operations Centre of the
year” from NASSCOMDSCI Excellence Awards 2022
Awarded "The Best Bank Award 2022" from Global Finance Magazine
ET BFSI Best Brands 2022 and ET BFSI Best Brands 2023
ICAI awards for excellence in financial reporting for year 2021-22 Gold Shield, category I
– Public Sector Banks
Page 13
1. IBA Award (15th Banking Technology Awards 2018-19) received on 06.02.2020
 Winner of the “Best Technology Bank of the Year (Large Bank”) category.
 Winner of the “Best Financial Inclusion Initiatives” category.
 Winner of the “The Most Innovative Project using Technology” category
 List of Branches in Tripura
STATE BANK OF INDIA has 9 branches in AGARTALA District of TRIPURA

State
STATE BANK OF INDIA has 2 branches in AGARTALA NORTH District of TRIPURA

State
STATE BANK OF INDIA has 2 branches in DHALAI District of TRIPURA State
STATE BANK OF INDIA has 1 branch in AMBASSA District of TRIPURA State
STATE BANK OF INDIA has 1 branch in DHARMANAGAR District of TRIPURA

State
STATE BANK OF INDIA has 11 branches in NORTH TRIPURA District of TRIPURA

State
STATE BANK OF INDIA has 1 branch in SEPAHIJALA District of TRIPURA

State
(B) Competitors of State bank of India: -
The major competitors of SBI are ICICI Bank, Andhra Bank, Allahabad bank,
HDFC, Bank of Baroda, Bank of India, among many others such as Axis Bank and the Indian
Overseas Bank etc.
Competitors in Tripura are United Bank of India, Bank of Baroda, UCO bank,
Canara bank, Punjab National bank, Axis bank, HDFC bank, South Indian bank, Axis bank, etc.
(C) Customers of State bank of India: -

State Bank of India is India's largest bank with a network of over 15000
branches and 5 associate banks located even in the remotest parts of India. State Bank of India (SBI)
offers a wide range of banking products and services to corporate and retail customers.
Online SBI is the Internet banking portal for State Bank of India. The portal provides anywhere,
anytime, online access to accounts for State Bank's Retail and Corporate customers. The application is
developed using the latest cutting-edge technology and tools. The infrastructure supports unified, secure
access to banking services for accounts in over 15,000 branches across India.
The Retail banking application is an integration of several functional areas, and enables customers to:
 Issue Demand Drafts online

 Transfer funds to own and third-party accounts
 Credit beneficiary accounts using RTGS/NEFT feature
 Generate account statements
 Setup Standing Instructions
 Configure profile settings
The Online SBI corporate banking application provides features to administer and manage corporate
accounts online. The corporate module provides roles such as Regulator, Admin, Uploader, Transaction
Maker, Authorizer, and Auditor. These roles have access to the following functions:
 Manage users, define rights and transaction rules on corporate accounts

 Access accounts in several branches with a single sign-on mechanism
 Upload files to make bulk transactions to third parties, supplier, vendor and tax collection authorities.
 Use online transactional features such as fund transfer to own accounts, third party payments (both
Inter and Intra bank), and draft issues
 Make bill payments over the Internet.
Page 15
COMPANY PROFILE OF AXIS BANK: -
Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum
of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture
and Retail Businesses.
The Bank has a large footprint of 4,594 domestic branches (including extension counters) with
11,333 ATMs & 5,710 cash recyclers spread across the country as on 31st March, 2021. The Bank
has 6 Virtual Centers and has over 1500 Virtual Relationship Managers as on 31st March 2021.The
Overseas operations of the Bank are spread over eight international offices with branches at
Singapore, Dubai (at DIFC) and Gift City-IBU; representative offices at Dhaka, Dubai, Abu Dhabi,
Sharjah and an Overseas subsidiary at London, UK. The international offices focus on Corporate
Lending, Trade Finance, Syndication, Investment Banking and Liability Businesses.
Axis Bank is one of the first new generation private sector banks to have begun operations in 1994.
The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI)
(then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance
Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company
Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The
shareholding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in
2003.
 Vision, Mission of Axis Bank
Axis Bank Mission:

Axis Bank's mission is to be the preferred financial solutions provider excelling in customer delivery
through insight, empowered employees and smart use of technology.
Axis Bank Vision:

To be the preferred financial solutions provider excelling in customer delivery through insight, empowered employees
and smart use of technology.
Axis Bank Values

 Ethics
 Transparency
 Teamwork
 Ownership
 Customer Centricity
Board of Directors
Name Designation
Rakesh Makhija Chairman
Rajesh Dahiya Executive Director
Stephen Pagliuca Non-Exe. & Nominee Director
Vasantha Govindan Non-Exe. & Nominee Director

Ketaki Bhagwati Ind. Non-Executive Director
Meena Ganesh Ind. Non-Executive Director
Amitabh Chaudhry Managing Director & CEO
Rajiv Anand Executive Director
T C Suseel Kumar Non-Exe. & Nominee Director
Girish Paranjpe Ind. Non-Executive Director
S Visvanathan Ind. Non-Executive Director
Gopala Raman Padmanabhan Ind. Non-Executive Director
Page 17
Products and services of Axis Bank:
Accounts
o Savings Account
o Salary Account
o Current Account
o National Pension System (NPS)
o Pension Disbursement Account
o Sukanya Samriddhi Yojana
o Axis Active
o PMJDY
Deposits
o Express FD
o Fixed Deposits
o Recurring Deposits
o Tax Saver Fixed Deposits
o Fixed Deposit Plus
o Auto Fixed Deposit
Cards
o Credit Cards
o Debit Cards
o Pre-paid Cards
o Transit Cards
o Commercial Credit Cards
o Commercial Debit Cards
o Digital Payments
Loans
o 24x7 Loans
o Home Loan
o Personal Loan
o Holiday Loan
o Car Loan
o Two-Wheeler Loan
o Loan Against Securities
o Loan Against Fixed Deposit
o Commercial Vehicle & Construction

Equipment Loan
Investments
o Mutual Funds
o Demat Account
o RBI Floating Rate Savings Bonds
o Public Provident Fund
o Atal Pension Yojana
o IP Smart
o Alternate Investment Products
o Future Planning Solutions
o Axis Direct
o Kisan Vikas Patra
 Awards
Page 19
2010
 Best Debt House in India

 Best Domestic Debt House in India – Asia money
 Overall Winner & Consistent Performer – (Large Banks Category) – Business Today Best Bank
Awards 2010.
2011
 Bank of the Year – India –The Banker Awards 2011

2012
 Bank of the Year – Money Today FPCIL Awards 2012–13

 Best Private Sector Bank – CNBC-TV18 India's Best Bank and Financial Institution Awards
2012
2013
 Ranked No 1 in the IT Biz Award – large enterprises category by Express IT Awards
 Joint winner under the ‘Most Innovative Broad Based Product Offering’ category
- IBA Innovations Award.
2014
 Best Domestic Bank in India- Asiamoney Best Banks 2014

 Best Bank Award among Large Banks for IT For Business Innovation - IDRBT Banking
Technology Excellence Awards 2014
 Best Bank for Rural Reach in the Private Sector and Best Retail Growth Performance in the
Private Sector category – Dun & Bradstreet - Polaris Financial Technology Banking Awards
2014
2015
 Axis Bank has been adjudged winner in the Best Bank Category, Outlook Money Awards 2015
 Axis Bank awarded for the Best Security among Private Sector Banks in India by Data Security
Council of India (DSCI).
 Best Domestic Bank in India – Asiamoney Best Banks 2015
 Axis Bank has been featured in Limca Book of Records 2015 for creating a National Record for
its campaign – 'Plant a Sapling'
 No. 1 Promising Banking Brand of 2015, Economic Times Awards 2015
2021
 Axis Bank wins ‘Best DCM House in India’ at Finance Asia’s Country Awards
 Axis Bank wins ‘Best Digital Bank’ award at The Financial Express’ Best Banks Awards for the
third consecutive year
 Axis Bank wins Best Regional Communication Campaign award at ET Brand Equity Kaleido
Awards
 Axis Bank wins ‘Digital Lending with the Private Sector Bank’ award at The ASSOCHAM
National E-Summit & Awards Banking & Financial Lending Companies “Digital Financial
Services
B) Competitors of Axis bank:
The major competitors of HDFC Bank, ICICI Bank, IndusInd Bank, Bandhan Bank, RBL Bank,
Yes Bank,
C) Customers of Axis bank: -
As on 31 March, 2019, the Bank had over 26 million savings account customers, registering a growth of
17%. Total Saving account and Retail Term Deposits grew by 23 % to ` 353,043 crore from `
285,997 crore in the preceding year.
COMPANY PROFILE OF UCO BANK: -
UCO Bank: UCO Bank, formally United Commercial Bank, established in 1943 in Kolkata, is a
major government owned bank. It is under the ownership of ministry of Finance,
It is founded by Ghanshyam Das Birla in 6 January 1943. Headquarter in Kolkata.
 Vision, Mission of UCO Bank
Vision: - To emerge as the most trusted, admired and sought-after world class financial institution
and to be the most preferred destination for every customer and investor and a place of pride for its
employees.
Mission: - To be a Top-class Bank to achieve sustained growth of business and profitability, fulfilling
Page 21
socio- economic obligations, excellence in customer service; through upgradation of skills of staff and
their effective participation making use of state-of-the-art technology
Board of Directors
Name Designation
Shri Atul Goel MD & CEO
Shri Ajay Vyas Executive Director
Shri Ishraq Ali Khan Executive Director
Dr. Sanjay Kumar Director
Dr. (Smt) Tuli Roy Director
Shri K. Rajivan Nair Director
Products and services

of UCO Bank:
The international banking services in India is provided for the benefit of Indian customers,
corporates, NRIs, Overseas Corporate Bodies, Foreign Companies/ Individuals as well as
Foreign Banks etc. by our Authorized Forex Branches and Integrated Treasury Branch
Our other branches in India also provide international banking facilities through the aforesaid
network of our branches.
o Foreign Currency Loans

o Finance/Services to Exporters
o Finance/Services to Importers
o Remittances
o Forex & Treasury Services
o Resident Foreign Currency (Domestic) Deposits
o Correspondent Banking Services
 Awards: -
o UCO BANK has been conferred with Special Award by National Payments Corporation of
India, in the " National Payments Excellence Awards 2016 " function held on March 08, 2017
at Mumbai.
o The Special award recognizes excellent performance of the Bank in in select parameters of
various NPCI products
o On behalf of the Bank, General Manager (DIT, BPR& BTD) received the prestigious award
 List of branches: - The Bank's Regional presence includes 3,078 branches and 2,564 ATMs.
Branches in Tripura: -
BANK OF BARODA has 3 branches in AGARTALA District of TRIPURA State
BANK OF BARODA has 1 branch in GANDHIGRAM District of TRIPURA State
Page 23
BANK OF BARODA has 1 branch in SOUTH TRIPURA District of TRIPURA State
BANK OF BARODA has 4 branches in WEST TRIPURA District of TRIPURA State
(B) Competitors: - UCO Bank's major competitors have always been State Bank of India,
Punjab National Bank, Bank of Baroda, HDFC Bank, ICICI Bank, Axis Bank, and Bank of
India.
Competitors in Tripura: Competitors in Tripura are United Bank of India, Bank of Baroda,
state bank of India, Canara Bank, Punjab National bank, Axis bank, HDFC bank, South Indian
bank, Axis bank, etc.
(C) Customers of UCO Bank: 25.8 million UCO Bank customers can now transact through
their net banking on websites powered by Avenue. In a constant endeavor to provide the
widest network of payment options to its merchants, Avenue includes UCO Bank to its 48+
net banking options. This opens a new window for online transactions between 25.8 million
UCO Bank account holders and over 85% of Indian merchants powered by Avenue. With
this new addition, merchants powered by CC Avenue stand to benefit directly, as they can
reach out to a wider customer base and multiply their revenues manifold.
About Avenues: - Incorporated in the year 2001, Avenues is the parent company of
CCAvenue.com and is a zero-debt company that has been profitable since its inception.
With its headquarters in Mumbai, Avenues has developed several cutting-edge solutions that
are used by thousands of merchants globally. Avenue offers real-time, multi-currency online
payment processing services for businesses in Hospitality, Online Retail, Education and the
other major industry verticals. Avenue is the only complete PG solution in the region that
has the unique capability to offer the full spectrum of Internet payment options such as the
major Credit Cards, Debit Cards, Cash Cards, Net Banking and mobile payments.
(A)Company Profile of Bank of Baroda:
Bank of Baroda: Bank of Baroda (BOB) is an Indian government owned banking and
financial services company. It is under the ownership of ministry of Finance, Government of
India.
It is India’s International Bank offers Internet Banking services, Mobile Banking

Services, Accounts, Loans, Financial Services to Corporate and NRIs. The headquarters of
Bank of Baroda is Alkapuri, Vadodara.
 Vision and mission of Bank of Baroda
Vision: To be a financially viable, independent community bank that is committed to improving

the quality of life of the communities we serve. To earn the loyalty of employees, customers and the
community by operating with integrity and fairness at all times.
Mission: To be a top-ranking National Bank of International Standards committed to

augmenting stake holders' value through concern, care and competence
Board of Directors
Name Designation
Dr. Hasmukh Adhia Non- Executive Chairman
Shri Sanjiv Chadha Managing Director &
CEO
Shri. S.L Jain Executive Director
Shri Vikramditya Sing khichi Executive Director
Shri Ajay K Khurana Executive Director
Shri Debaatta Chand Executive Director
Shri Amit Agrawal Director
Shri Srinivasan Sridhar Director
Smt. Soundara Kumar Director
Smt. Parvathy V. Sundaram Director
Page 25
 Products & Services of BOB

Given below is the list of services offered by the Bank of Baroda: -
o Retail Banking
o Rural/Agri Banking
o Wholesale Banking
o SME Banking
o Wealth Management
o Demat
o Product Enquiry
o Internet Banking
o NRI Remittances
o Baroda e-Trading
o Interest Rates
o Deposit Products
o Loan Products
o ATM / Debit Cards
Bank of Baroda takes special care to look after the requirements of its shareholders. Given below are
the various benefits provided to the shareholders of the bank: -
o Change of address or names of Shareholders

o Transmission of shares
o Transposition
o De-materializing Shares
o Investors Services Department
o Registrars & Share Transfer Agent
Personal Services
o Deposits
o Gen-Next
o Loans
o Credit Cards & Debit Cards
o Services
o Lockers
Corporate Services
o Wholesale Banking
o Loans
o Advances
o Service
International Services
o NRI Services
o FGN Currency Credits (Foreign Currency Credits)
o ECB (External Communication Borrowings)
o FCNR (B) Loans
Treasury service of Bank of Baroda includes Domestic operations and Forex operations.
Bank of Baroda Rural Services: -

Domestic Services
o Deposits
o Priority Sector Advances
o Services
o Lockers
Priority Sector Advances
o Small Scale Industries
o Small Business
o Retail Loans
o Schemes sponsored by the GOI (Government of India)
Bank of Baroda Home Loan
o Bank of Baroda home loan is one of the most well-known products of the bank. It comes in
various forms and is tailor made as per the requirements of the different customers.
 Awards:
Bank of Baroda was conferred BML Munjal Award in Public Sector Category for
“Business Excellence Through Learning & Development – 2015”
Bank of Baroda bags First Prize from His Excellency President of India under Rajbanshi
Kirti Proscar Scheme
Bank of Baroda onferred Best Public Sector Bank – Global Business
Page 27
Bank of Baroda awarded RBI Rajbhasha Shield Award- First prize under linguistic Region
‘B’ and Second
Bank of Baroda awarded the first prize under Indira Gandhi Rajbhasha Shield
Competition
Bank of Baroda conferred Special Award for Best IT Team at IDRBT Banking
Technology Excellence Awards 2012-13
Bank of Baroda conferred the Best Public Sector Bank at Dun & Bradstreet –
Polaris Financial Technology Banking Awards 2013
Bank of Baroda Receives Award for Excellence in Financial Reporting
Bank of Baroda conferred Best Public Sector Bank Award
Bank of Baroda bags The Sunday Standard FINWIZ 2012 Awards
Bank of Baroda bags Best Public Sector Bank Award
Bank of Baroda bags Forbes India Leadership Award
Bank of Baroda bags Business India Best Bank Award
Bank of Baroda bags the prestigious ‘Indira Gandhi Rajbhasha Shield’
Bank of Baroda bags Dun & Bradstreet – Polaris Financial Technology Banking Awards 2012
Bank of Baroda bags 4 prizes from R.B.I.
Bloomberg UTV Financial Leadership Awards – Best PSU Bank Award
 List of branches in India: 8,214 Branches in India.

List of branches in Tripura:
BANK OF BARODA has 3 branches in AGARTALA District of TRIPURA State
BANK OF BARODA has 1 branch in GANDHIGRAM District of TRIPURA State
BANK OF BARODA has 1 branch in SOUTH TRIPURA District of TRIPURA

State
BANK OF BARODA has 4 branches in WEST TRIPURA District of TRIPURA State
(C) Competitors of Bank of Baroda: - Top six main competitors are
ICICI Bank, Andhra Bank, Allahabad bank, HDFC, Axis Bank, State Bank of India.
Competitors in Tripura: Competitors in Tripura are United Bank of India, UCO Bank, state bank
of India, Canara Bank, Punjab National bank, Axis bank, HDFC bank, South Indian bank, Axis
bank, etc.
(C) Customers of Bank of Baroda: Bank of Baroda provides its assistance to

corporate customers to assess the value of their holdings, in syndicating loans and in
consultations for Merchant Banking purposes.
Appraisal: Bank of Baroda carries out credit and merchant appraisals of all types of business ventures
including infrastructure projects by our specialized team of officials at a reasonable cost.
Loan Syndication: The bank also assists in loan syndication for all kinds of business ventures when
a tie- up of business sources is required.
Other Consultations: Our team is highly capable of advising on parameters of feasibility & viability
of an existing / proposed project and suggest measures, if required, for improvement of the business
enterprise.
Page 29
Profile of Punjab National Bank: -

Punjab National Bank, abbreviated as PNB, is an Indian nationalize bank. Its headquarters are in
New Delhi, India. It is under the ownership of Ministry of Finance , Government of India . The
bank was founded in May 1894 and is the second largest government-owned bank in India, both in
terms of its business volumes and its network. The bank has over 180 million customers, 12,248
branches, and 13,000+ ATMs
PNB has a banking subsidiary in the UK (PNB International Bank, with seven branches in the
UK), as well as branches in Hong Kong, Kowloon, Dubai, and Kabul. It has representative
offices in Almaty (Kazakhstan), Dubai (United Arab
Emirates), Shanghai (China), Oslo (Norway), and Sydney (Australia). In Bhutan it owns 51%
of Druk PNB Bank, which has five branches. In Nepal PNB owns 20% of Everest Bank
Limited, which has 50 branches. Lastly, PNB owns 41.64% of JSC (SB) PNB Bank in
Kazakhstan, which has four branches.
 Vision and mission of Panjab National Bank: -

Vision: - The vision of PNB is to be a Leading Global Bank with Pan India footprints and
become a household brand in the Indo-Gangetic Plains providing entire range of financial
products and services under one roof.
Mission: - The mission of PNB is to make a self-sustaining Institute of International standards

having the status of a deemed university and having organic linkages with other national and
transnational academic Institutions in the area of IT, in various fields of universal banking, in a
span of ten years.
 Punjab National Bank products and services: -

 PNB Business Loan.
 Punjab National Bank Car Loan.
 PNB Credit Card.
 PNB Debit Card.
 Punjab National Bank Home Loan.
 PNB Loan Against Property.
 Punjab National Bank (PNB) Personal Loan.
 Awards: -
 ET-BFSI Excellence Award 2020.
 Finacle Client Innovation Award 2020.
 IBA Banking technology 2019-20 awards.
 ASSOCHAM National E-Summit & Awards.

 30th National Awards for Innovative Training Practices.
 SKOCH award response to COVID - Gold.
 List of branches in India: -
PUNJAB NATIONAL BANK has branches in 46
ANDAMAN & NICOBAR | ANDAMAN AND NICOBAR ISLAND | ANDHRA

PRADESH | ARUNACHAL
PRADESH | ASSAM | BIHAR | CHANDIGARH | CHHATTISGARH | DADRA & NAGAR
HAVELI | DADRA AND NAGAR HAVELI | DAMAN & DIU | DELHI | FOR STATE
UPLOAD | GOA | GUJARAT | HARYANA | HIMACHAL PRADESH | JAMMU &
KASHMIR | JAMMU & KASHMIR | JAMMU AND
KASHMIR | JHARKHAND | KARNATAKA | KERALA | LAKSHADWEEP | MADHYA
PRADESH | MAHARASHTRA | MANIPUR | MEGHALAYA | MIZORAM | NAGALAND | NEW
DELH | NEW
DELHI | ODISHA | ORISSA | PONDICHERRY | PUDUCHERRY | PUNJAB | RAJASTHAN | SIK
KIM | TAMIL NADU | TELANGANA | TRIPURA | UTTAR
PRADESH | UTTARAKHAND | UTTRAKHAND | WEST BENGAL |
List of branches in Tripura: -

PUNJAB NATIONAL BANK has branches in 50 District of TRIPURA State
Page 31
(B)Competitors of Punjab National Bank: - The top 10 competitors in PNB's competitive set
are BOB, Axis Bank, Canara Bank, Corporation Bank, ICICI Bank, HDFC, Dena Bank, IndusInd,
Kotak Mahindra, YES BANK
Competitors in Tripura: - Competitors in Tripura are United Bank of India, UCO Bank, state
bank of India, Canara Bank, Axis bank, HDFC, Bank of Baroda, South Indian bank, Axis bank,
etc.
(c) Customers of Punjab National bank: -
80 million customers
The bank was founded in 1894 and is the second largest government-owned bank in India, both in
terms of its business volumes and its network. The bank has over 180 million customers, 12,248
branches, and 13,000+ ATMs post-merger with United Bank of India and Oriental Bank of
Commerce, effective from 1 April 2020.
SWOT Analysis of the Public limited Banks

SWOT analysis of State Bank of India
Strengths Weaknesses
 SBI is India’s biggest bank in terms of  The lack of adequate technology driven
market share, sales, and reserves. infrastructure relative to private banks.
 SBI has been ranked in the Fortune  The banks pay a large sum on their
Global 500 list. leased houses.
 The Bank is active in 36 countries  SBI has the largest number of employees
involved in currency traders around the in the banking sector, which is why the
world. bank spends a considerable amount of its
 The owner of the State Bank of India is income on employees’ salaries.
the Government of India.
Opportunities Threats
 SBI aims to expend and invest in foreign  Customer retention due to

activities due to a strong inflow of capital multiple banking
from the Asian economy.
 Young and talented graduate and B  Competition from private
school pools are on the rise to open new and international banks
horizons for the so-called “old
government bank”.  Cyber-attacks or other security
 Make better use of its CRM
SWOT analysis of Axis Bank

 Axis Bank has a strong picture of the urban  Their financial advisors are not smart
population. Axis Bank is rising well in the enough to direct consumers into the right
Indian banking sector. investment.
 Broad array products and services are provided
by the Bank.  Customer support needs to change a lot in
 Decent penetration in rural areas has boosted order to contend with other big players.
the industry.
 One of India’s largest private-sector funding  Lower branch number relative to its rivals.
for agricultural loans is Retail Agri &
Corporate Agri.  Axis Bank has minimal market share due to
high competition in the banking sector.
 The rural market is also a major market for  RBI control of interest rates.
Axis Bank.  Regulation of the State on the basis of
 The internet banking network can be pandemic circumstances.
supported.  Foreign Investments in Banking Sector.
 UPI payments and mobile wallets can be  Government schemes are most frequently
promoted. run only by SBI, Indian Banks, Punjab
 The Assets of Axis Bank are rising at a much National Bank, etc.
Page 33
Theoffinancial
faster growth rate 9%. statement analysis of public limited Banks
SWOT analysis of UCO Bank

 Foreign exchange Operations  Lacks International Presence

 Diverse Asset portfolio
 High proportion of long-term liabilities  Weak internet banking when compare to
 UCO bank has over 2000 service Units big banks
spread all over India, with two overseas
branches in Singapore and Hong Kong
 Retail banking is lesser as compared to
other banks
 Small enterprise banking  Stringent Banking Norms
 More penetration through  Highly Competitive environment

rural banking
SWOT analysis of Bank of Baroda Bank
 Bank of Baroda has a wide range of  The bank is not able to decrease this NPA.
banking services and financial  Less Brand Value
instruments available for its customers.  Bank of Baroda has business in 27
 Wide Branch Network countries but the bank is primarily
 Interest rates are less as compared to focused on its Indian market. BOB’s
private sector banks. must increase their services in
international markets to increase its
profits
 UPI / Payment Bank  Payment Wallets can also affect the

 The business and personal loan segment business of Banks. This can be a
can be a great opportunity for Bank of major threat to Bank of Baroda and
Baroda other government sector banks
 Due to developing infrastructure Bank  here are many national and international
of Baroda can provide loans at less players in Banking Industry. Due to
interest rates to potential customers. intense competition business of Bank of
Baroda is affected and this can be a major
threat to the bank.
Page 35
SWOT analysis of Punjab National Bank
 Large Customer Base: PNB is having one  Presence in Rural Areas: PNB has less
hundred and eighty million customers. presence in rural areas.
 Large Network of Branches and ATM’s:
PNB has 10910 branches, and a wide ATM  PNB is not giving emphasis on advertising as
network of 13000+ ATMs. compared to other public and private sector
 Acquisition: Some of the Popular Bank like banks.
United Bank of India and OBC (Oriental
Bank of Commerce) was merged in PNB on
April 1st 2020.
 PNB can also start E-Wallets which are  Fluctuations and Crises in the Economy is
trending in the country. the major threat.
 E-Gateway can be offered to the website
owners at a nominal price.  RBI and Government Regulations is also a
 Growing demand of Banking in the country threat to the Bank.
creates a good opportunity for the Bank.
 Bank can give emphasis on business loans  New and Old Competitor Banks are also a
to attract more customers. threat.
CHAPTER -2
Objective
To find out good financial performance and returns of the

Banks for long term investment.
Page 37
CHAPTER- 3
Limitation
 My first limitation is that I am working in a company. If I could work in more
companies, I would have many more benefits to do data analysis.
 Secondly, we have very short time to analyze data, only 30 days of data analysis is
very difficult.
 Most important thing is that I am taken data secondary which will be collected
through screener.in. Collected data will be analyze through table, chart, graph.
CHAPTER- 4
Methodology
A methodology is a system of methods and principle of doing. So, the research methodology
planned are given below:
 Types of data to be utilized: -Secondary data

 Source of data: - Screener. in, Google, Internet.
 Tools of data analysis: - Line graphs. Bar graphs.
Page 39
CHAPTER- 5
DATA ANALYSIS
BANK FINANCIAL OVERVIEW

Table: - 1
1. What is the total market capture of each Banks of public limited banks?
SL. No COMPANY NAME TOTAL MARKET VALUE
1 State Bank of India ₹ 3,84,695
2 Axis Bank ₹ 2,36,388
3 Bank of Baroda ₹ 28,216
4 UCO Bank ₹ 16,798
5 Panjab National Bank ₹ 44,980
Total ₹ 694,279
Total Market Value
₹ 450,000
₹ 400,000
₹ 350,000
₹ 300,000
₹ 250,000
₹ 200,000
₹ 150,000
₹ 100,000
₹ 50,000
₹-
State Bank of India Axis Bank Bank of Baroda UCO Bank Panjab National
Bank
Interpretation: -
The Bar graph above shows the total market capture from 2010-2021. The study found that, the
total market capture is ₹ 7,11,077 (Cr.) of five limited banks. State Bank of India amount is ₹
3,84,695 (Cr.), Axis bank is ₹2,36,388 (Cr), Bank of Baroda is ₹ 28,216.00 (Cr.), UCO Bank is
₹16,798 (Cr.) Panjab National bank is ₹ 44,980 (Cr.). SBI bank amount is higher than amount of
others banks which is ₹ 3,84,695 (Cr.), state bank of India is also good enough and other banks
market capture amount is moderate. So, overall banks market capture amount is favorable.
Table: - 2
2. What is the amount of current price of each Banks?
TOTAL
SL.NO. COMPANY NAME
CURRENT PRICE
₹
1 State Bank of India
431
₹
2 Axis Bank
771
₹
3 Bank of Baroda
76
₹
4 UCO Bank
14
₹
5 Panjab National Bank
41
₹
Total
1,333
Total Market Value

₹ 450,000
₹ 400,000
₹ 350,000
₹ 300,000
₹ 250,000
₹ 200,000
₹ 150,000
₹ 100,000
₹ 50,000
₹-
Bank
Interpretation:
The bar graph has been shown the amount of current price of five limited Banks. The total
current price of banks is ₹ 1,333 (Rs.) Axis banks is higher than other banks which is ₹ 771
(Rs.) we can say it is expensive if compare other banks. State bank is tolerable which is ₹
431.00, Bank of Baroda is suitable which is ₹ 76 (Rs.), UCO is not too much which is ₹ 14
(Rs.) and last one Panjab National bank is cheap which is ₹ 41 (Rs.).
Page 41
Table: - 3
3. What is the high value of price?
TOTAL
SL.NO. COMPANY NAME MARKET
VALUE
₹
442
₹
2 Axis Bank
800
₹
3 Bank of Baroda
101
₹
4 UCO Bank
16
₹
46
₹
Total
1,405
High Value of price

₹ 900
₹ 800
₹ 700
₹ 600
₹ 500
₹ 400
₹ 300
₹ 200
₹ 100
₹ -
Bank
Interpretation: -
The Bar graph above shows the amount of high value price of banks from 2010-2021. The study found
that, the total high value price of banks is ₹ 1405 (Rs.). Axis bank has been turned that is ₹ 800 (Rs).
State bank is ₹442 (Rs.), Bank of Baroda is ₹ 101 (Rs.), UCO bank is ₹16 (Rs.), Panjab National
Bank is ₹46 (Rs.). So, this bar graph has set out how much amount turn their highest value price.
Table: -4
4. What is the low value of price?
TOTAL
VALUE
₹
176
₹
2 Axis Bank
400
₹
3 Bank of Baroda
38
₹
4 UCO Bank
11
₹
26
₹
Total
651
Chart Title
₹ 450
₹ 400
₹ 350
₹ 300
₹ 250
₹ 200
₹ 150
₹ 100
₹ 50
₹ -
Bank
Interpretation: -
The Bar graph above shows the amount of low value price of banks from last 12 years. The study
found that, the total low value price of banks is 651 (Rs.). Axis bank has been cheeped that is ₹ 400
(Rs). State bank is ₹176 (Rs.), Bank of Baroda is ₹ 38 (Rs.), UCO bank is ₹11 (Rs.), Panjab
National Bank is ₹ 26 (Rs.). So, the bar graph has displayed how much amount fall their lowest
value price.
Page 43
Table: - 5
5. What is the book value of the 5 limited banks?
TOTAL
VALUE
₹
309
₹
2 Axis Bank
338
₹
3 Bank of Baroda
127
₹
4 UCO Bank
17
₹
84
₹
Total
875
Chart Title
₹ 400
₹ 350
₹ 300
₹ 250
₹ 200
₹ 150
₹ 100
₹ 50
₹ -
Bank
Interpretation: -
The Bar graph above shows the amount of book value price of banks from last 12 years. The study
found that, the total book value price of banks is 875 (Rs.). State bank of India book value is ₹309
(Rs.) per share, Axis Bank is ₹338 (Rs.) per share, Bank of Baroda is ₹127 (Rs.) per share, overall,
these 3 banks are strong. UCO Bank is poorly only ₹17 per share it is also suitable and Panjab
National bank is that is ₹ 84 per share.
PROFIT AND LOSS DATA (Consolidated figures in Rs. Crores)
Table: - 6
1) What is the total amount of Revenue generate from 2010 to 2021?
AVAR
REVEN AGE
UNUE Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar REVEN
GENER -10 -11 -12 -13 -14 -15 -16 -17 -18 -19 -20 -21 UE
ATE GENER
ATE
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI
1,00,0 1,13,6 1,47,1 1,67,9 1,89,0 2,07,9 2,20,6 2,30,4 2,28,9 2,53,3 2,69,8 2,78,1 2,00,60
Bank
81 36 97 76 62 74 33 47 70 22 52 15 5
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Axis ₹
18,75 23,00 30,81 34,07 39,57 43,81 44,03 41,45 41,34 47,95 49,75 70,21
Bank 40,399
6 1 6 0 0 3 9 7 5 1 9 3
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank of ₹ ₹
11,37 14,63 16,75 18,23 19,35 18,56 16,32 14,02 14,33 15,13 14,44
Baroda 9,526 15,224
1 2 2 0 9 1 6 0 1 4 6
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
17,23 22,51 30,48 36,44 40,46 44,91 45,79 44,47 46,05 52,90 78,89 74,31
Bank 5 3 8 2 3 5 9 3 6 6 5 4 44,542
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
PN Bank 16,23 20,04 28,19 35,86 42,55 50,66 63,16 73,27 85,28 1,05,1 1,22,1 1,28,5
3 3 3 1 5 6 2 1 8 61 89 52 64,265
Avarage revenue generate

₹ 250,000
₹ 200,000
₹ 200,605
₹ 150,000
₹ 100,000
₹ 50,000 ₹ 64,265
₹ 40,399 ₹ 44,542
₹- ₹ 15,224
AVARAGE REVENUE GENERATE
SBI Bank Axis Bank Bank of Baroda UCO Bank PN Bank
Interpretation: -
The bar graph above shows the average revenue generate of the banks last 12 years. State bank of India has been
increasing consistently revenue generate since 2010 without any harm or loss as well as Punjab National Bank
also has been increasing consistently, it is good sign for both banks. Bank of Baroda not able to increase revenue
where is higher than the amount of 2021. There is being happened ups and downs since 2010. Axis Bank is being
increased revenue from 2010 but it is decreased in 2021. UCO bank has been performed excellent in 2021
because there suddenly jump or amount generate if compare between 2021 and previous years.
Page 45
Table: -7
2)What is the total Payment Interest paid from 2010-2021?
PAYMEN AVARAGE
T Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- PAYMENT
Mar-21
INTERES 10 11 12 13 14 15 16 17 18 19 20 INETRST
T PAID PAID
SBI ₹ ₹ ₹ ₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹
1,09,9 1,45,6 1,69,0 1,66,1 1,72,9 1,92,82
Bank 47,201 57,966 61,682 66,242 82,151 96,624
64 22 34 04 09 1 1,14,027
Axis ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
27,99 35,97
Bank 4,909 5,840 6,895 8,534 9,930 11,518 13,869 24,323 29,700
5 1
35,192 17,890
Bank
of ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
23,16 37,91
Barod 4,277 5,718 7,388 9,813 10,586 11,828 23,935 17,287 23,989
6 1
34,303 17,517
a
UCO ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
12,75 11,53
Bank 2,244 3,776 3,718 4,800 5,546 5,849 10,768 6,789 8,521
3 9
9,120 7,119
PN ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
39,64 25,86
Bank 6,039 8,741 10,472 12,456 16,112 18,760 27,453 22,533 43,345
5 7
39,422 22,570
Avarage payment interest paid

₹ 120,000 ₹ 114,027
₹ 100,000
₹ 80,000
₹ 60,000
₹ 40,000
₹ 22,570
₹ 20,000 ₹ 17,890 ₹ 17,517
₹ 7,119
₹-
AVARAGE PAYMENT INETRST PAID
Interpretation: -
The bar graph above shows the average interest paid of the banks from 2010-2021. SBI had been
increasing interest paid since 2010 it is healthy good. It should not be increase. Panjab National
Bank similarly it had been increasing paid interest but in it has been decreased in 2019. It is good
enough. Bank of Baroda is being Increased year to year but we can say it is moderate. UCO bank is
huge increased in 2010 than decreased 2021. Axis Bank had been increased but now it has been
decreased it is good.
Table: - 8
3) What is the total expense (Manufacturing cost, Employee cost, other cost) incurred by the
Banks from 2010-2021?
AV
TOTAL ARAGE
Mar Mar Mar Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar-
EXPEN TOTAL
-10 -11 -12 13 14 15 16 17 18 19 20 21
SE EXPENS
E
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI
66,6 68,0 89,3 1,06,8 1,21,4 1,33,1 1,43,0 1,49,1 1,46,6 1,55,8 1,61,1 1,56,0
Bank 38 86 20 18 79 79 47 15 03 67 24 10 1,24,774
₹ ₹ ₹ ₹
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
6,63 8,58 13,9
Bank 3 9 69
17,513 18,703 21,341 24,344 26,789 27,604 33,883 37,996 34,926 22,691
₹ ₹ ₹ ₹
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
10,7 13,0 19,3
Baroda 59 84 57
23,881 26,974 29,776 31,321 28,687 28,127 31,290 48,532 41,686 27,790
₹ ₹ ₹ ₹
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
7,20 7,52 10,7
Bank 2 6 30
12,170 12,171 13,797 13,713 12,509 10,895 10,019 10,042 8,966 10,812
₹ ₹ ₹ ₹
PN ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
13,2 15,5 23,7
Bank 30 07 89
27,802 28,220 31,343 34,331 32,722 33,530 34,656 36,997 50,805 30,244
Avarage total expense

₹ 140,000
₹ 124,774
₹ 120,000
₹ 100,000
₹ 80,000
₹ 60,000
₹ 40,000
₹ 27,790 ₹ 30,244
₹ 22,691
₹ 20,000
₹ 10,812
₹-
Interpretation: -
The above bar chart shows the average of total expense of banks there is including Manufacturing cost,
Employee cost, other cost, last 12 years. This table shows clear view state bank of India is similarly
expenses are also rising consistently with revenue which is good but2021 is decreasing. It should not be
inconsistent. Panjab National bank also similarly rising expenses with revenue. Bank of Baroda has
increased revenue in 2021 that’s why we see their expenses also increased higher than previous years. We
can say Axis Bank also good enough. If we say about UCO bank where it was good in 2018 but from
2019 the bank has been decreasing to expenses.
Page 47
Table-9
4)What is the total Financing profit gained from 2010-2021?
AVARGE
FINANCING
Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- FINANCING
PROFIT
10 11 12 13 14 15 16 17 18 19 20 21 PROFIT
GAINED
GAINED
₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
- - -
SBI Bank - - - - - - - - -
13,758
12,41
3,804 5,084 14,568
21,82
32,378 64,290 86,666 68,649
64,18
70,715 -38,195
6 8 1
₹
₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ - ₹
Axis Bank - -
97 727 1,131 1,155 2,103 2,868 3,196 -5,937
10,689 5,835
10,25 -5,422 -2,238
1
₹
₹ ₹ ₹
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ -
- -
Baroda 1,663 3,084 2,929 1,502 1,380 1,359 -3,774 -8,467 -4,686 10,46 -2,680
11,196 5,494
0
₹ ₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
UCO Bank - - -
80 69 184 -218 513 -286 -5,920 -2,972 -5,396
8,441 6,446 3,640 -2,706
₹ ₹ ₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ - ₹ ₹
PN Bank - - - -
2,668 3,303 3,234 2,812 626 1,394
10,980
-7,197
28,151 22,153
-7,946
8,360 -6,128
Avarage financing profit gained
₹-
AVARGE FINANCING PROFIT GAINED
₹ -5,000 ₹ -2,238 ₹ -2,680 ₹ -2,706
₹ -6,128
₹ -10,000
₹ -15,000
₹ -20,000
₹ -25,000
₹ -30,000
₹ -35,000
₹ -40,000 ₹ -38,195
₹ -45,000
Interpretation: -
The above bar chart shows the average of financing profit of Banks’s. SBI consistently had been
increasing financing profit since 2010-2012 but from 2013 the bank was decreased now financing profit
is higher than 2020.It is not improving. Punjab National bank has been maintaining to increase
financing profit but 2018 – 2021 is decreased. UCO Bank has increased huge amount financing profit in
2021 better than previous years. Axis Bank and Bank of Baroda are not able to increase there are ups
and downs financing profit 2020 higher than 2021. it is decreased half amount between 2019 &2021.
Table-10
5)What is the amount of Other Income for all the Banks from 2010-2021?
OTHER AVARAG
Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar-
INCOM E OTHER
10 11 12 13 14 15 16 17 18 19 20 21 INCOME
E
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI ₹
33,76 33,71 29,64 32,54 37,83 49,26 52,80 68,14 77,52 77,36 98,15 1,07,22
Bank 1 6 5 3 6 4 7 9 7 5 9 2 58,166
₹ ₹ ₹ ₹
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
12,41 11,84 14,16 16,33
Bank 3,960 4,664 5,487 6,828 7,752 8,834 9,955 16,152 9,866
8 6 4 7
₹
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
10,31
Baroda 2,806 2,809 3,373 3,630 4,463 4,402 4,999 6,758 6,657 6,294 12,364 5,739
7
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 966 925 966 952 1,321 2,004 1,596 2,114 1,121 1,514 2,871 3,699 1,671
PN ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 3,503 3,655 4,240 4,310 4,710 6,175 6,100 9,168 8,883 7,367 9,388 13,124 6,719
Avarage other income

₹ 70,000
₹ 60,000 ₹ 58,166
₹ 50,000
₹ 40,000
₹ 30,000
₹ 20,000
₹ 9,866
₹ 10,000 ₹ 5,739 ₹ 6,719
₹ 1,671
₹-
AVARAGE OTHER INCOME
Interpretation: -
The above bar chart shows the average of other income of banks. We can say that all banks are
maintaining consistently to increase other income. So overall banks are good position in 2021.
Page 49
Table-11
6)What is the total value of depreciation charged from 2010-2021?
AVAR
VALU AGE
E OF VALU
DEPR E OF
10 11 12 13 14 15 16 17 18 19 20 21
ECIA DEPR
TION ECIA
TION
SBI ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 1,322 1,381 1,372 1,577 1,942 1,581 2,252 2,915 3,105 3,496 3,662 3,711 2,360
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 238 294 348 359 375 420 461 527 591 737 806 979 511
Bank
of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Barod 231 243 277 301 345 340 501 511 863 910 1,660 1,315 625
a
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 74 81 78 87 110 136 137 153 152 137 137 134 118
PN ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 227 265 302 336 367 384 413 430 581 584 614 982 457
Avarage value of depreciation

₹ 2,500 ₹ 2,360
₹ 2,000
₹ 1,500
₹ 1,000
₹ 625
₹ 511 ₹ 457
₹ 500
₹ 118
₹-
Interpretation: -
The above bar chart shows the average of depreciation of banks from 2010-2021. All banks
have been becoming ups and downs depreciation year by year but not huge amount. So, we can
say overall bank are in good place in 2021.
Table-12
7)What is the amount earned of profit before tax from 2010-2021?
AVARAG
PROFIT
Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- E PROFIT
BEFOR
10 11 12 13 14 15 16 17 18 19 20 21 BEFORE
E TEX
TEX
₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI ₹ - ₹ ₹
18,68 19,92 24,46 25,88 21,32 25,85 18,17 30,31 32,79
Bank 2 0 9 2 6 5 7
945 12,24 5,220
7 6
17,612
5
₹ ₹ ₹
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
11,28 12,69 5,95
Bank 3,819 5,097 6,270 7,625 9,479
3 0 4
566 7,592 5,280 9,750 7,117
₹
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
2,47
Baroda 4,238 5,650 6,026 4,831 5,497 5,421 -6,698
3
-2,673 698 -1,802 5,556 2,435
₹
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ - ₹ ₹ ₹ ₹ ₹
Bank 972 914 1,071 647 1,724 1,582 -4,460 1,01 -4,427 -7,065 -3,713 -75 -1,153
1
₹ ₹
₹
PN ₹ ₹ ₹ ₹ ₹ ₹ ₹ - - ₹ ₹ ₹
1,54
Bank 5,945 6,694 7,171 6,786 4,969 4,397 -5,293
0
19,84 15,37 827 3,782 133
9 0
Avarage profi t before tex

₹ 20,000
₹ 17,612
₹ 15,000
₹ 10,000
₹ 7,117
₹ 5,000
₹ 2,435
₹ 133
₹-
AVARAGE PROFIT BEFORE TEX
₹ -1,153
₹ -5,000
Interpretation: -
The above bar chart shows the average of profit before of banks during 12 years. All banks have been
increased profit before tax in 2021. Overall, we can say it is good position than previous years.
highest average profit before tax is SBI bank. And lowest average is Panjab National Bank.
Page 51
Table-13
8)What is the total net profit during 10 years?
AVARAGE
TOTAL
Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- TOTAL
NET
10 11 12 13 14 15 16 17 18 19 20 21 NET
PROFIT PROFIT
₹
SBI ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
17,91
Bank 11,734 10,685 15,343
6
14,174 16,994 12,225 241 -4,556 2,300 19,768 22,405 11,602
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 2,478 3,340 4,220 5,235 6,310 7,448 8,350 3,953 456 5,039 1,853 7,196 4,657
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Baroda 3,058 4,242 5,007 4,481 4,541 3,398 -5,396 1,383 -2,432 434 546 829 1,674
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 1,012 907 1,109 618 1,511 1,138 -2,799 -1,851 -4,436 -4,321 -2,437 167 -782
₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
PN Bank -
3,973 4,575 5,025 4,954 3,617 3,400 -3,690 1,187 -9,570 438 2,562 363
12,113
Avarage total net profit

₹ 14,000
₹ 12,000 ₹ 11,602
₹ 10,000
₹ 8,000
₹ 6,000
₹ 4,657
₹ 4,000
₹ 2,000 ₹ 1,674
₹ 363
₹-
₹ -782
₹ -2,000
Interpretation: -
The bar graph above shows the average total net profit of banks SBI Bank is highest average net profit. The
Bank has been increasing net profit consistently. It’s excellent. UCO Bank is lowest average net profit . Axis
Bank is success to increase net profit from 2018 it is good sign. Bank of Baroda and Punjab National
Bank are increased this year than previous years
BALANCE SHEET DATA(Consolidated figures in Rs. Crores)

Table-14
1) How much is the total share capital invested from 2010-
SHARE AVARAGE
Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- SHARE
CAPITAL 10 11 12 13 14 15 16 17 18 19 20 21 CAPITAL
INVESTED INVESTED
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI Bank 635 635 671 684 747 747 776 797 892 892 892 892 772
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Axis Bank 405 411 413 468 470 474 477 479 513 514 564 613 483
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Baroda 366 393 412 423 431 444 462 462 530 530 925 1,036 535
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
UCO Bank 1,699 2,451 2,488 2,576 1,015 1,076 1,076 1,560 2,308 5,423 9,918 9,918 3,459
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
PN Bank 315 317 339 353 362 371 393 426 552 921 1,348 2,096 649
Average share capital invested

₹ 4,000
₹ 3,459
₹ 3,500
₹ 3,000
₹ 2,500
₹ 2,000
₹ 1,500
₹ 1,000 ₹ 772
₹ 649
₹ 483 ₹ 535
₹ 500
₹-
Interpretation: -
The bar graph shows average of share capital of the banks during 12 years. If share capital consistently be
same year by year and decrease it is better for banks. It should not increase. So, we see here, SBI bank has
been maintaining consistently same from 2018-2021 it is Excellent. where Axis bank has been increased. UCO
bank also increased but similar between 2020 and 2021. Bank of Baroda not able to decrease share capital in
2021 higher than previous years. Panjab National bank also being increased that’s why in 2021 is higher than
last year.
Page 53
Table-15
2) What is the total amount of reserves of the Banks from 2010-2021?
AMOU AVARAGE
NT OF Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- AMOUNT
RESERV 10 11 12 13 14 15 16 17 18 19 20 21 OF
ES RESERVES
SBI ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
82,50 82,83 1,05,5 1,24,3 1,46,6 1,60,6 1,79,8 2,16,3 2,29,4 2,33,6 2,50,1 2,74,6
Bank 1 6 59 49 24 41 16 95 29 03 68 69 1,73,883
Axis ₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
15,58 18,48 1,02,9
Bank 4 4
22,269 32,690 37,926 44,475 53,082 55,901 63,694 67,288 85,776
81 50,013
Bank
of ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
14,74 20,65
Barod 1 1
27,064 31,547 35,555 39,392 39,737 39,841 42,864 45,411 70,931 76,010 40,312
a
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 3,511 4,969 6,126 7,107 10,212 11,473 10,511 10,044 7,517 8,371 9,291 10,088 8,268
PN ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
18,38 22,29
Bank 7 8
28,865 34,116 37,731 41,669 41,412 42,990 40,965 45,164 62,529 90,439 42,214
Average amount of reserves
₹ 200,000
₹ 180,000 ₹ 173,883
₹ 160,000
₹ 140,000
₹ 120,000
₹ 100,000
₹ 80,000
₹ 60,000 ₹ 50,013
₹ 40,312 ₹ 42,214
₹ 40,000
₹ 20,000 ₹ 8,268
₹-
Interpretation: -
The bar graph shows average of amount of reserves of the banks during 12 years. All banks have been
increasing amount of reserves year by year. so, overall, we can say the Banks are going to right direction,
because all banks are being increased.
Table-16
3) What is the amount of borrowings of the Banks from 2010-2021?
AVARAG
AMOUNT E
OF Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- AMOUNT
BORROW 10 11 12 13 14 15 16 17 18 19 20 21 OF
ING BORROW
ING
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
SBI Bank 12,38, 13,98, 15,72, 18,31, 20,62, 22,97, 26,15, 29,36, 30,91, 33,54, 41,49, 41,49,
539 033 681 126 612 624 257 176 258 289 127 127 25,57,987
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Axis ₹
1,58,4 2,15,4 2,54,0 2,96,2 3,33,2 4,06,6 4,72,1 5,27,4 6,11,4 7,11,9 8,59,8 8,59,8
Bank 48 34 59 54 80 38 50 37 25 96 72 72 4,75,572
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank of ₹
2,54,6 3,27,7 4,08,4 5,00,4 6,05,7 6,52,8 6,07,5 6,32,2 6,53,8 7,05,8 10,39, 10,33,
Baroda 12 47 44 63 07 24 10 87 87 91 054 845 6,18,523
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
UCO ₹
1,28,6 1,50,7 1,66,9 1,82,9 2,20,2 2,24,5 2,24,3 2,10,8 1,94,2 2,06,2 2,21,3 2,21,3
Bank 79 52 05 23 52 89 59 19 99 30 02 02 1,96,034
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
PN Bank 2,74,2 3,50,8 4,27,0 4,46,0 5,20,2 5,74,4 6,52,0 6,72,9 7,13,7 7,28,7 11,66, 11,66,
21 70 54 90 37 50 56 87 69 02 015 015 6,41,039
Average amount of borrowing

₹ 3,000,000
₹ 2,557,987
₹ 2,500,000
₹ 2,000,000
₹ 1,500,000
₹ 1,000,000
₹ 618,523 ₹ 641,039
₹ 475,572
₹ 500,000
₹ 196,034
₹-
AVARAGE AMOUNT OF BORROWING
Interpretation: -
The Bar graph shows average of amount of borrowing of the banks during 12 years. All banks have
been increasing borrow year by year. Overall, we can say it is good or moderate.
Page 55
Table-17
4) What is the amount for other liabilities for all the Banks from 2010-2021?
AVARA
OTHER GE
Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar
LIABILIT OTHER
-10 -11 -12 -13 -14 -15 -16 -17 -18 -19 -20 -21
IES LIABILIT
IES
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI
1,28,4 1,66,2 1,50,7 1,76,3 1,85,5 2,40,1 2,76,4 2,88,3 2,94,8 2,99,6 3,39,3 4,20,9 2,47,26
Bank 69 72 20 55 73 49 72 91 60 76 64 26
9
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹ ₹ ₹
11,14 14,67 15,65 20,67 27,64 28,07 34,24 44,19 46,85
Bank 6,150 8,238 8,675
5 4 6 8 4 1 8 4 9 22,186
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹ ₹
11,40 14,70 17,81 22,32 23,66 22,28 22,71 29,15 47,00 44,47
Baroda 8,598 9,606
0 3 1 9 8 6 8 5 6 4 22,813
UCO ₹ ₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
11,93 10,45 12,02
Bank 4,580 7,050 6,803 7,868 7,647 8,779 8,937 8,917
2 9
7,800
8 8,567
PN ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
10,64 12,79 14,18 16,08 16,49 19,52 18,93 16,90 22,24 15,33 14,81 21,17
Bank 6 9 8 9 0 2 2 9 2 3 4 6 16,595
Avarage other liabilities

₹ 300,000
₹ 247,269
₹ 250,000
₹ 200,000
₹ 150,000
₹ 100,000
₹ 50,000
₹ 22,186 ₹ 22,813 ₹ 16,595
₹ 8,567
₹-
Interpretation: -
The bar graph above shows the average of other liabilities during 12 years. Maximum banks are
increased other liabilities. Highest other liabilities are SBI bank where the lowest average is UCO
bank. Other banks have been shown data of other liabilities above the graph.
Table-18
5) What is the amount of total liabilities for all the Banks from 2010-2021?
AVARAG
AMOUNT E
OF AMOUNT
TOTAL OF
LIABILIT 10 11 12 13 14 15 16 17 18 19 20 21 TOTAL
IES LIABILIT
IES
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI ₹
14,50, 16,47,7 18,29, 21,32,5 23,95, 26,99,1 30,72, 34,41, 36,16, 38,88, 41,97,4 48,45,
Bank 144 77 631 14 556 61 321 760 439 460 86 615 29,34,739
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Axis ₹
1,80,5 2,42,56 2,85,4 3,40,55 3,86,3 4,67,24 5,46,3 6,11,4 7,03,7 8,14,0 9,27,87 10,10,
Bank 87 7 17 8 50 3 87 62 03 46 2 325 5,43,043
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank of ₹
2,78,3 3,58,39 4,47,3 5,47,13 6,59,5 7,14,98 6,71,3 6,94,8 7,20,0 7,80,9 11,57,9 11,55,
Baroda 17 7 21 5 05 9 76 75 00 87 16 365 6,82,182
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
UCO ₹
1,37,3 1,63,39 1,80,4 1,98,65 2,39,1 2,45,91 2,44,8 2,31,3 2,16,0 2,30,4 2,35,90 2,53,3
Bank 19 8 98 1 25 7 83 40 56 84 8 36 2,14,743
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
PN Bank 3,03,5 3,86,28 4,70,4 4,96,64 5,74,8 6,36,01 7,12,7 7,33,3 7,77,5 7,90,1 8,51,45 12,79,
69 4 45 8 20 1 93 11 28 20 7 725 6,67,726
avarage amount of total liabilities

₹ 3,500,000
₹ 3,000,000 ₹ 2,934,739
₹ 2,500,000
₹ 2,000,000
₹ 1,500,000
₹ 1,000,000
₹ 682,182 ₹ 667,726
₹ 543,043
₹ 500,000
₹ 214,743
₹-
Interpretation: -
The bar graph above shows the average of total liabilities of the banks during 12 years. SBI bank is
highest average total liabilities where UCO bank is lowest. Bank of Baroda, Panjab National Bank,
and Axis Bank average of total liabilities has been shown above the chart. these are moderate.
Page 57
Table-19
6) What is the amount for fixed asset of the Banks from 2010-2021?
AVARAGE
FIXED Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar-
FIXED
ASSET 10 11 12 13 14 15 16 17 18 19 20 21
ASSET
SBI ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 5,528 6,141 7,027 8,694 10,223 12,924 15,415 51,189 40,301 39,941 39,608 39,699 23,058
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 1,179 2,270 2,204 2,245 2,346 2,447 3,358 3,518 3,697 3,842 3,912 4,211 2,936
Bank
of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Barod 2,285 2,300 2,342 2,453 2,734 2,875 6,254 5,758 5,367 6,990 8,889 8,016 4,689
a
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 710 738 802 879 1,018 1,066 2,878 2,843 2,867 2,814 2,832 3,151 1,883
PN ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 2,531 3,064 3,217 3,422 3,490 3,656 5,308 6,298 6,371 6,246 7,262 11,049 5,160
Avarage fixed asset

₹ 25,000
₹ 23,058
₹ 20,000
₹ 15,000
₹ 10,000
₹ 4,689 ₹ 5,160
₹ 5,000
₹ 2,936
₹ 1,883
₹-
.
Interpretation: -
The bar graph above has been shown average fixed asset from 2012-2021. All bank has been increasing
their fixed asset except, SBI is highest fixed asset than 2021. we can say all bank are in good position.
Highest average fixed asset is SBI Bank. where lowest average is UCO Bank
Table-20
7)How much investment has been done by the Banks from 2010-2021?
AVARAG
Ma Ma Ma
INVESTM Mar Mar Mar Mar Mar Mar Mar Mar Mar E
r- r- r-
ENT -13 -14 -15 -16 -17 -18 -19 -20 -21 INVESTM
10 11 12
ENT
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI Bank 4,12, 4,19,0 4,60,9 5,19,3 5,79,4 6,73,5 8,07,3 10,27, 11,83, 11,19, 12,28, 15,95,
8,35,510
749 66 49 43 01 07 75 281 794 270 284 100
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
55,8 71,7 92,9 1,13,3 1,13,0 1,18,5 1,31,3 1,29,0 1,53,0 1,74,0 1,55,2 2,25,3
Bank 1,27,809
77 88 21 78 93 27 99 18 37 56 82 36
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
61,1 71,3 83,2 1,21,3 1,16,1 1,16,8 1,20,4 1,29,6 1,63,1 1,82,2 2,74,6 2,61,2
Baroda 1,41,792
82 97 09 94 13 12 51 31 85 98 15 20
UCO ₹
43,52
₹
42,92
₹
45,77
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 1 7 2
52,245 67,452 64,223 83,974 74,019 70,962 82,232 90,999 93,783 67,676
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
PN Bank 79,25 96,91 1,25,8 1,34,7 1,49,2 1,56,7 1,65,1 1,91,5 2,04,4 2,10,5 2,53,7 4,04,3
1,81,042
4 1 20 34 25 62 26 27 19 78 82 69
Avarage investment
₹ 900,000
₹ 835,510
₹ 800,000
₹ 700,000
₹ 600,000
₹ 500,000
₹ 400,000
₹ 300,000
₹ 200,000 ₹ 181,042
₹ 127,809 ₹ 141,792
₹ 100,000 ₹ 67,676
₹-
AVARAGE INVESTMENT
Interpretation: -
The bar graph above has been shown the average of investment. SBI is the highest average of investment where
is lowest average investment is UCO bank. and as well as this chart has been shown how much average
investment by other banks. Almost banks have been increased consistently increased investment year by year.
Page 59
Table-21
8) What is the amount of other asset of the Banks from 2010-2021?
OTHE AVARA
R Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- GE
ASSE 10 11 12 13 14 15 16 17 18 19 20 21 OTHER
T ASSET
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
SBI
10,31,3 12,22,2 13,61,2 16,03,8 18,05,5 20,12,3 22,48,7 23,62,5 23,91,4 27,28,4 29,29,1 32,10,3 20,75,61
Bank 81 23 74 01 95 29 46 94 19 87 23 48 0
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Axis ₹
1,23,47 1,68,48 1,90,21 2,24,79 2,70,81 3,46,16 4,11,41 4,78,63 5,46,61 6,35,86 7,68,19 7,80,66
Bank 4 6 1 2 0 4 4 3 8 0 6 0 4,12,110
Bank
of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
2,14,8 2,84,7 3,61,7 4,23,2 5,40,6 5,95,3 5,44,6 5,59,4 5,51,4 5,91,6 8,74,4 8,86,1
Baro 50 01 71 89 58 01 72 87 48 99 12 28 5,35,701
da
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
UCO ₹ ₹
1,19,73 1,33,92 1,45,51 1,70,61 1,80,58 1,58,02 1,54,47 1,42,21 1,45,43 1,42,06 1,56,33
Bank 93,088 1,45,167
2 2 7 1 0 4 1 9 0 9 5
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
PN ₹
2,21,78 2,86,22 3,41,40 3,58,49 4,22,10 4,75,59 5,42,35 5,35,48 5,66,73 5,73,29 5,90,41 8,64,30
Bank 4 2 8 1 5 4 8 6 8 5 3 7 4,81,517
Avarage other income

₹ 2,500,000
₹ 2,075,610
₹ 2,000,000
₹ 1,500,000
₹ 1,000,000
₹ 535,701 ₹ 481,517
₹ 500,000 ₹ 412,110
₹ 145,167
₹-
Interpretation: -
The bar graph above shows average of other income. It is noticed that all bank has been increasing other income
consistently year by year. So, overall banks are in good position.
Table-22
9) What is the total amount of asset of the Banks from 2010-2021?
AVARA
TOTAL GE
AMOU Mar- Mar- Mar Mar- Mar- Mar- Mar- Mar- Mar- Mar Mar- Mar- TOTAL
NT 10 11 -12 13 14 15 16 17 18 -19 20 21 AMOU
ASSET NT
ASSET
₹
SBI ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
14,50,1 16,47,7 18,29,6 21,32,5 23,95,5 26,99,1 30,72,3 34,41,7 36,16,4 38,88,4 41,97,48 48,45,61 29,34,7
Bank 44 77 31 14 56 61 21 60 39 60 6 5 39
₹
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
₹
1,80,58 2,42,56 2,85,41 3,40,55 3,86,35 4,67,24 5,46,38 6,11,46 7,03,70 8,14,04
9,27,872
10,10,32 5,43,04
Bank 7 7 7 8 0 3 7 2 3 6 5 3
₹
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
2,78,3 3,58,3 4,47,3 5,47,1 6,59,5 7,14,9 6,71,3 6,94,8 7,20,0 7,80,9 11,57,9 11,55,3 6,82,18
Baroda 17 97 21 35 05 89 76 75 00 87 16 65
2
₹
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹ ₹
1,37,31 1,63,39 1,80,49 1,98,65 2,39,12 2,45,91 2,44,88 2,31,34 2,16,05 2,30,48
2,35,908 2,53,336
2,14,74
Bank 9 8 8 1 5 7 3 0 6 4 3
₹
PN ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
₹
₹
3,03,56 3,86,28 4,70,44 4,96,64 5,74,82 6,36,01 7,12,79 7,33,31 7,77,52 7,90,12
8,51,457
12,79,72 6,67,72
Bank 9 4 5 8 0 1 3 1 8 0 5 6
Avarage total amount asset
₹ 3,500,000
₹ 3,000,000 ₹ 2,934,739
₹ 2,500,000
₹ 2,000,000
₹ 1,500,000
₹ 1,000,000
₹ 682,182 ₹ 667,726
₹ 543,043
₹ 500,000
₹ 214,743
₹-
Interpretation: -
The bar graph above shows the average of total asset during 12 years. All Banks have been increasing
amount of asset year by year. so, over all bank position are good.
Page 61
CASH FLOW STATEMENT DATA (Consolidated figures in Rs. Crores)

Table-23
1) What is the cash from operating activity of the 5 Banks from 2010-2021?
AVARAGE
OPERATIN Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar
OPERATIN
G ACTIVITY -10 -11 -12 -13 -14 -15 -16 -17 -18 -19 -20 -21 G ACTIVITY
₹- ₹ ₹- ₹ ₹ ₹ ₹ ₹ ₹- ₹ ₹ ₹ ₹
SBI Bank 8,372 43,900 30,114 24,332 19,142 26,297 14,477 77,406 96,508 29,556 23,929 89,919 17,830
₹ ₹ ₹ - ₹ ₹ ₹- ₹- ₹ ₹- ₹ ₹ ₹ ₹
Axis Bank 150 11,328 9,904 2,573 14,464 15,162 34,495 32,209 38,390 37,125 30,416 12,633 3,579
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ - ₹ ₹- ₹ - ₹ ₹- ₹
Baroda 11,252 11,779 14,406 22,793 41,016 18,021 9,842 17,194 61,088 4,120 17,941 4,609 6,229
₹- ₹ ₹ - ₹- ₹ ₹ ₹ - ₹- ₹ - ₹ ₹- ₹ ₹ -
UCO Bank 4,061 7,830 3,019 2,090 3,574 7,861 2,978 3,852 9,082 4,190 10,658 2,422 822
₹ ₹ ₹ ₹ - ₹ ₹ ₹ ₹ ₹ - ₹- ₹- ₹ ₹
PN Bank 1,774 7,361 -25 692 16,906 4,814 14,167 21,938 1,742 33,532 12,793 30,950 4,094
Avarage operating activity

₹ 20,000
₹ 17,830
₹ 15,000
₹ 10,000
₹ 6,229
₹ 5,000 ₹ 3,579 ₹ 4,094
₹-
₹ -822
₹ -5,000
Interpretation: -
The above bar graph shows average operating activity of banks from 2010-2021. If last year we see amount
increased or positive then banks are good position. Similarly, SBI has been increased amount in 2021. Panjab
National bank has been increased or jumped huge amount in 2021 so it is excellent. Bank of Baroda also
increased huge amount in 2021. The Bank position is excellent. but other hand we can see, Axis Bank and UCO
bank are not able to increased operating activity in 2021.
Table-24
2) What is the cash from investing activity by the Banks from 2010-2021?
AVARAGE
INVESTIN
Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar INVESTIN
G
-10 -11 -12 -13 -14 -15 -16 -17 -18 -19 -20 -21 G
ACTIVITY
ACTIVITY
₹ ₹ ₹
₹ ₹ ₹ ₹ -
- ₹ ₹ - ₹ - - ₹ ₹ ₹ -
SBI Bank - - 13,05
1,76
1,678
169 2,271 -791 3,42 2,74
4,572 3
220 -555 3,670 669
3 4 7
₹ ₹ ₹ ₹
₹ - ₹ - ₹ - ₹ ₹ - ₹ - ₹ - ₹ -
- - - -
Axis Bank 5,09
13,89
4,84
10,93 14,16
7,97
9,21 12,45 10,00 18,67
9,48
54,28 ₹ -12,717
4 9 6 1 8 7 4 8
6 0 2 5
₹
Bank of ₹ ₹ -
₹ ₹ ₹ ₹ ₹ ₹ - ₹ ₹ ₹ ₹
-
Baroda -335 -490 -337 -772 -689 -539 3,99 -426 -563
3,957
141 -269 1,019
5
UCO ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ -
Bank -95 -38 55 -50 -135 -151 -52 -217 -24 44 -250 106 67
₹
₹ ₹ ₹ ₹ ₹ ₹ - ₹ ₹ ₹ ₹ ₹ ₹ -
PN Bank -174 -912 -397 -600 -302 -872 1,35 159 392 -629 -338 -787 484
2
Avarage investing activity

₹ -
₹ -67
₹ -669 ₹ -484
₹ -2,000
₹ -1,019
₹ -4,000
₹ -6,000
₹ -8,000
₹ -10,000
₹ -12,000
₹ -12,717
₹ -14,000
Interpretation: -
The above bar graph shows average operating activity of banks from 2010-2021. Maximum banks are
increasing and decreasing year by year but in 2021 it shows minus sign (-). it is good position for the banks.
UCO bank shows positive in last year that is 2021. we can say the bank investing activity is not well.
Page 63
Table-25
3) What is the cash from financing activity by the Banks from 2010-2021?
AVARAGE
FINANCIN
Mar Mar Mar Mar- Mar Mar- Mar- Mar Mar- Mar- Mar- Mar FINANCIN
G
-10 -11 -12 13 -14 15 16 -17 18 19 20 -21 G
ACTIVITY
ACTIVITY
₹ ₹
₹ ₹ ₹ ₹ ₹ ₹
- ₹ - ₹ ₹ ₹
SBI Bank 3,27
1,25 2,20 - 3,58 -
4,348 4,19 5,547 448 5,430
7,14 ₹ 1,376
2 9 4,424 3 1,553 3
3 6
₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
- ₹ ₹ ₹
Axis Bank 5,13 8,77 7,27 14,93 7,78 31,04 22,49
2,48
41,34
5,643 8,865
7,27
2 0 0 1 5 5 5 2 9 13,173
7
₹ ₹ ₹ ₹
Bank of ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
462
3,17
165 -790
5,15
-6 -616 -198 4,079 4,409
14,59 3,39 ₹ 2,818
Baroda 8 1 0 0
₹ ₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
UCO Bank 1,40 1,08
-413 880 -771 -553 -579
3,60
5,754 5,450 4,283
3,26 ₹ 1,951
7 4 9 6
₹
₹ ₹ ₹ ₹
₹ ₹ ₹ ₹ ₹ ₹ - ₹
PN Bank 626 -608 451 -694
2,12
7,451 5,975 9,76 7,460
13,96 13,59 5,41 ₹ 3,833
9 9 1 5
7
Avarage financing activity

₹ 14,000
₹ 13,173
₹ 12,000
₹ 10,000
₹ 8,000
₹ 6,000
₹ 4,000
₹ 3,833
₹ 2,000 ₹ 2,818
₹ 1,951
₹ 1,376
₹-
AVARAGE FINANCING ACTIVITY
Interpretation: -
The bar graph above shows the average of financing activity from 2010-2021. Axis bank is highest average
financing activity, where SBI bank is lowest average financing activity. Bank of Baroda, Panjab National Bank
UCO banks are shown average of financing activity above the chart.
Table-26
4)Provide the data for net cash flow of all the Banks during 2010 TO 2021.
NET AVARA
Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar- GE NET
CASH CASH
10 11 12 13 14 15 16 17 18 19 20 21
FLOW FLOW
SBI ₹ - ₹ ₹ - ₹ ₹ ₹ ₹ ₹ ₹ - ₹ ₹ ₹ ₹
Bank 13,408 43,474 27,737 17,637 21,934 21,320 16,078 68,638 77,908 30,223 28,803 93,392 18,537
Axis ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ - ₹
Bank 186 6,203 -7,474 6,566 8,082 7,910 -2,789 17,263 -7,055 24,094 29,795 34,375 4,034
Bank
₹ ₹ ₹ ₹ ₹ ₹ ₹ - ₹ ₹ - ₹ ₹ ₹ - ₹
of 11,380 14,467 14,234 21,230 45,479 17,475 14,453 16,570 57,573 -3,668 32,672 1,488 8,027
Baroda
UCO ₹ - ₹ ₹ ₹ - ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹ ₹
Bank 2,749 8,876 -3,377 1,260 2,668 7,157 -3,610 -459 -3,352 9,684 -6,626 5,794 1,062
PN ₹ ₹ ₹ ₹ - ₹ ₹ ₹ ₹ ₹ ₹ - ₹ ₹ ₹
Bank 2,226 5,841 29 1,987 18,733 11,393 18,790 12,330 6,109 20,192 460 35,579 7,443
Avarage net cash flow

₹ 20,000
₹ 18,537
₹ 18,000
₹ 16,000
₹ 14,000
₹ 12,000
₹ 10,000
₹ 8,027
₹ 8,000 ₹ 7,443
₹ 6,000
₹ 4,034
₹ 4,000
₹ 2,000
₹-
AVARAGE NET CASH FLOW
SBI Bank Axis Bank Bank of Baroda
UCO Bank Linear (UCO Bank) PN Bank
Interpretation: -
The bar graph above shows the average net cash flow during 12 years. All Banks have been
increasing amount of asset year by year. so, over all bank position are good.
Page 65
CHAPTER-6
Findings
State Bank of India
a) The revenue of SBI has increased by 10.6% from 2018-2019, 6.5 % from 2019-2020 and 3.1
% From 2020-2021. And the expense has decreased by – 1.7% from 2018-2019, 4.1%
increased 2019-20, 11 % increased from 2020-21.
b) The interest paid of SBI has increased -1.76% from 2018-19, 3.94% has decreased from 2019-
2020, and increased 10.33% from 2020-21. And the borrowing of SBI has increased 8.51% from
2018-2019, 7.54 % decreased from 2019-20, 15.03% rapidly has increased from 2020-21.
c) The total fixed asset of SBI has decreased by -0.9% from 2018-2019, -0.8% from 2019-2020,
0.2% has increased from 0.2%. And the Depreciation has increased by 12.6% from 2018-19,
-0.8% has decreased from -4.7%, -1.3% from 2020-21.
d) The investment of SBI has decreased by -5.5% from 2018-2019, quickly has increased 9.7 %
from 2019-2020, 29.9% 2020-21. And share capital are stuck It is 0% from 2019-2021.
e) The net profit of SBI has decreased by -150.5% from 2018-2019, quickly has increased 759.5%
from 2019-20, and 13.3% increased from 2020-21. And the Reserves by 1.8% from 2018-2019,
quickly has increased 7.1% from 2019-2020, 9.8% from 2020-21.
Axis Bank
a) The revenue of Axis Bank has increased by 13.78% from 2018- 2019, 3.63% from 2019-2020, 29.13%
from 2020- 2021. And the expense has increased by 18.53% from 2018-2019, 10.82% from
increased 2019-2020, -8.79% from decreased 2020-2021.
b) The interest paid of Axis bank has decreased -6.09% from 2018-19, 22.17% has increased from
2019- 2020, and decreased -2.21% from 2020-21. And the borrowing of Axis Bank has
increased 14.13% from 2018-2019, 17.20 % increased from 2019-20, 0.00% rapidly has
decreased from 2020-21.
c) The fixed asset of Axis bank has increased by 3.77% from 2018-19, 1.79% from 2019-20, -
7.10%quickly from 2020-21. And the Depreciation of Axis bank has increased 19.81%
from 2018- 19, 8.56% has decreased from 2019-20, 17.67% has increased 2020- 2021.
UCO Bank
(a) The revenue of UCO bank has increased by 2.2% 2018-19, 5.6% from 2019-20, -4.5% has
decreased from 2020-21. And expense of UCO bank has increased 49.7% from 2018-2019, -
9.5% has decreased from 2019-2020, quickly decreased -21.0% from 2020-21.
(b) The interest of UCO bank decreased by -8.0% from 2018-2019, 0.2% from 2019-20, -10.7%
from 2020-21. And The Borrowing has increased 6.14% from 2018-19, 1.29% from 2019-20,
5.94% from 2020-21.
(c) The fixed asset of UCO bank has decreased by -1.8% from 2018-19, -0.6% from 2019-20, -
11.3 quickly from 2020-21. And the Depreciation of UCO bank has increased 9.9% from
2018- 20, 2.2% has decreased from 2020-21.
(d) The investment of UCO bank has decreased by 15.9% from 2018-2019, 10.7% from 2019-
2020, 3.1% from 2020-21. And the share capital has increased 135.0% from 2018-19, but
decreased
-82.9% from 2019-21.
(e) The net profit of UCO Bank has decreased consistently -2.6% from 2018-219, -43.6% from
2019-20. -106.9% from 2020-21. And the Reserves of UCO Bank has decreased consistently
11.4% from 2018-19, 11.0% from 2019-20, 8.6% from 2020-21.
Bank of Baroda
(a) The revenue of Bank of Baroda has increased by 14.9% from 2018-2019, 49.1% from
2019- 2020, but -5.8% has decreased from 2020-21. And expense of Bank of Baroda
decreased 1.1% from 2018-2019, quickly increased 57.2% from 2019-2020 and again
decreased -6.2%.
(b) The interest of Bank of Baroda has increased by 11.5% from 2018-19, 53.9% from 2019-
2020,
-13.7% decreased from 2020-21. And the borrowing of Bank of Baroda 9.24% from 2018-
2019, quickly increased 45.55% from 2019-20, again decreased -0.17% from 2020-21.
(c) The fixed asset of Bank of Baroda has increased by 33.2% from 2018-19, -25.8% has
decreased from 2019-20, -8.9% from 2020-21. And Depreciation of Bank of Baroda has
decreased -5.2% from 2018-2019, -79.0% from 2019-2020, 20.0% has increased from
2020- 21.
(d) The investment of Bank of Baroda has increased by 11.8% from 2018-2019, quickly has
increased 48.0% from 2019-2020. -2.7% decreased from 2020-21. And share capital
decreased 0% 2018-2019, -74.5% from 2019-20, -12.0%.
(e) The net profit of Bank of Baroda has decreased by -158.3% from 2018-2019, -15.6%
from 2019-2020, 66.8% increased from 2020-21. And Reserves of Bank of Baroda has
increased 40.4% from 2018-19, 14.8% from 2019-20, 19.0% from 2020-21.
Page 67
CHAPTER- 7
CONCLUSION
State Bank of India has performance excellent it has been increasing total asset quickly from 2020-2021.
And borrowing is increased. The bank has delivered good profit growth. State bank of India and Axis bank
are also being happened good way, Punjab National bank has delivered good profit, overall, we can say
both companies in good position. UCO bank is not in good position, the Bank has delivered a poor sale.
Bank of Baroda also is being gone to poor way. Company Net cash flow is not consistently.
This Project has been very useful to me because I learned how to prepare and ratio analysis. This has
improved my knowledge on financial statements which is very useful in business and commerce every day.
The work I did in this project has helped me to understand the techniques, applications and usefulness of
financial statements to understand the performance of a particular Bank or enterprise without much
difficulty and also understand how to prepare them in future.
CHAPTER- 8
APENDISE
 Questions from bank financial overview
(1) What is the total market capture of each Banks of public limited banks?
(2) What is the amount of current price of each Banks?
(3) What is the high value of price?
(4) What is the low value of price?
(5) What is the book value of the 5 limited banks?
 Questions from Profit & Loss of five public limited banks.
(1) How much did companies’ total revenue collection up to 10 years?

(2) How much did companies interest collection up to 10 years?
(3) How much did companies Expense (Manufacturing cost, Employee cost, other cost) last 10
years?
(4) How much companies did companies financial profit last 10 years?
(5) Give data their other income last 10 years.
(6) Show data their depreciation up to 10 years.
(7) Give data their profit before tax up to 10 years.
(8) How much did companies Net profit up to 10 years?
(9) Give data their EPS (Earning per share) last 10 years
 Questions from Balance Sheet of five public limited Banks.
Liabilities
(1) Give data their share capital (equity) up to10 years?

(2) Give data their Reserves up to 10 years.
(3) How much companies are borrowing up to 10 years?
(4) Indicate data other Liabilities (Non-controlling, other liability items) up to 10 years?
Assets
(1) How much companies have Fixed Assets up to 10 years?

(2) How much companies have CWIP (Capital Works-in Progress) up 10 years?
(3) How much companies did investments for Asset up to 10 years?
(4) Indicate data companies Other Assets (Cash Equivalents, Loan and advance, other Asset item)
up to 10 years?
 Questions from Cash flows of Five limited Banks.
(1) Give data their Cash from operating Activity.

(2) Show data their cash from Investing Activity.
(3) Indicate data Cash from Financing Activity.
Page 69
Chapter-9
BIBLIOGRAPHY
 https://www.aafmindia.co.in/financial-statement-analysis-tools-limitation-uses-process
 https://en.wikipedia.org/wiki/Financial_statement_analysis
 https://www.investopedia.com/terms/f/financial-statement-analysis ..
 https://www.screener.in/
 https://www.onlinesbi.com/
 https://en.wikipedia.org/wiki/State_Bank_of_India
 https://www.axisbank.com/about-us/corporate-profile
 https://en.wikipedia.org/wiki/Axis_Bank
 https://en.wikipedia.org/wiki/Bank_of_Baroda
 https://www.business-standard.com/company/bank-of-baroda-5456/information/
company- history
 https://www.bankofbaroda.in/history.htm
 https://enhttps://www.whoistheownerof.com/owner-of-uco-bank-wiki-
profile- CEO/.wikipedia.org/wiki/UCO_Bank
 https://www.ucobank.com
 https://www.pnbindia.in/profile.html
chapter-10
Glossary
Accounts Payable: Synonyms: payables, creditors
Accounts Payable is the amount owed by an organization to others for goods or services received.
Buying from suppliers on credit will generate accounts payable.
Assets
Assets are resources owned and employed by an organization that confers future economic benefits.
Asset Turnover Ratio
Sales / Total assets. This ratio shows how effective the company is in generating sales from its
assets.
Average Balance
(Opening balance – Closing balance) / 2. This balance can be used to calculate efficiency/turnover
ratios instead of using a closing balance.
Balance Sheet
The Balance Sheet is a snapshot of an organization’s assets and liabilities on a particular date. The
balance sheet shows the sources of funds provided to an organization (called the capital employed
and normally either equity or debt) and how those funds have been used by the organization to invest
in fixed assets (assets the organization intends to keep for more than one year) and working capital
(money tied up in the day-to-day operations of the business)
Capital
See capital employed.
Capital Asset
Assets such as property, plant, and equipment employed to generate income.
Cash Flow Statement
The Cash Flow Statement is a summarized bank statement that shows an organization’s sources of
cash during the financial year and the ways in which the cash has been used during that period (e.g.,
investments, fixed asset purchases, etc.).
Page 71
The financial statement analysis of public limited banks
Current Assets
Current Assets are all assets other than fixed assets. They are either cash or assets expected to be
converted into cash or consumed by the business during the year. Current assets include items such
as cash, accounts receivable, and inventory.
Current Liabilities
An organization’s liabilities due within one year. Current Liabilities include items such as short-term
loans, any element of long-term loans due within one year, and accounts payable.
Current Ratio
Current assets / current liabilities. Current Ratio measures short-term liquidity, whether or not a
company will have the ability to cover its obligations in the short term.
Financial Statements
Financial Statements are statements, in financial terms, of the financial position of an entity at a
given date, or of the results of its operations for a given period. The statements are normally prepared
in one of a number of standard formats. Most commonly, when people refer to financial
statements, they mean the income statement, the balance sheet, the cash flow statement, and the
related notes to the accounts.
Fixed Assets
Assets intended for use on a continuing basis in an organization’s activities (normally defined as
assets an organization intends to keep for more than one year). There are three categories of fixed
assets: intangible, tangible, and investments.
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The financial statement analysis of public limited Banks

ICFAI UNIVERSITY TRIPURA

FACULTY OF MANAGEMENT AND COMMERCE

TOPIC: THE FINANCIAL STATEMENT ANALYSIS OF PUBLIC

NAME: APARNA DEBNATH

REPORT SUBMITTED IN PARTIAL FULFILLMENT OF REQUIREMENT A BBA

THE ICFAI UNIVERSITY OF TRIPURA

SL NO. PARTICULAR PAGE NO.

 AIEDC Association of Entrepreneurs Development Cell

 SBI State Bank of India

 UCO United Commercial Bank Limited

 PNB Punjab National Bank

 GAAP Generally Accepted Accounting Principles

 CIN Corporate Identification Number

 PUL Power Joyti Fee Collection

 ATM Automatic Teller Machine

 RTGS Real Time Gross Settlement

 NEFT National Electronic Funds Transfer

 VISA Visitors International Stay Admission

 IMPS Immediate Payment Service

 E-TDR Multi Option Deposit

 SWOT Strengths Weakness Opportunities Threats

Company Profile (where I have been trained)

AIEDC: Association of Industrial and Entrepreneurs Development Cell is an unlisted private

Association Of Industrial and Entrepreneurs Development Cell has two directors –

 Mr. Sunit Saha

 Mrs. Rina Saha

The Corporate Identification Number (CIN) of Association of Industrial and Entrepreneurs

3C Report of Public limited banks

(A) Company Profile of State Bank of India

 Vision, Mission, Values of SBI

Vision: Be the Bank of Choice for a Transforming India

 Products & Services Of SBI

o State Bank Virtual Card

IBA 18th Annual Technology Award 2022

Awarded “India’s Best Annual Report Awards-2022"

ET BFSI Best Brands 2022 and ET BFSI Best Brands 2023

1. IBA Award (15th Banking Technology Awards 2018-19) received on 06.02.2020

 List of Branches in Tripura

STATE BANK OF INDIA has 9 branches in AGARTALA District of TRIPURA

STATE BANK OF INDIA has 2 branches in AGARTALA NORTH District of TRIPURA

STATE BANK OF INDIA has 2 branches in DHALAI District of TRIPURA State

STATE BANK OF INDIA has 1 branch in AMBASSA District of TRIPURA State

STATE BANK OF INDIA has 1 branch in DHARMANAGAR District of TRIPURA

STATE BANK OF INDIA has 11 branches in NORTH TRIPURA District of TRIPURA

STATE BANK OF INDIA has 1 branch in SEPAHIJALA District of TRIPURA

(B) Competitors of State bank of India: -

(C) Customers of State bank of India: -

 Issue Demand Drafts online

 Manage users, define rights and transaction rules on corporate accounts

COMPANY PROFILE OF AXIS BANK: -

 Vision, Mission of Axis Bank

Axis Bank Mission:

Axis Bank Vision:

Axis Bank Values

Rajesh Dahiya Executive Director

Stephen Pagliuca Non-Exe. & Nominee Director

Vasantha Govindan Non-Exe. & Nominee Director

Products and services of Axis Bank:

o National Pension System (NPS)

o Pension Disbursement Account

o Sukanya Samriddhi Yojana

o Tax Saver Fixed Deposits

o Fixed Deposit Plus