It is my proud privilege to release the feelings of my gratitude to several persons who helped me directly or indirectly to conduct this project work. I express my heart full indebtness and owes deep sense of gratitude to my corporate guide Mr. Barun Khan, Manager (DPC),SBI main branch Gorakhpur, Mr. Agrawal Accountant, SBI branch MayaBazar, Gorakhpur for their sincere guidance, inspiration and motivation in completing this project.

I would thank to God for their blessing and my parents also for their valuable suggestion and support in my project report.

Last but not the least; I would like to express my sincere gratitude to all the faculty members who have taught me in my entire MBA curriculum.

I also thanks all my friends who have more or less contributed to the preparation of this project report. I will be always indebted to them.


( ii )

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Analysis and interpretation of the Financial statement has now become an important technique of credit appraisal. The basic technique of appraisal remain the same in all the cases but the approach and the emphasis in analysis. Analysis of Financial statement is necessary because it help in depicting the financial position on the basis of past and current records. Analysis of financial statement helps in the making future decision and strategies. Therefore, it is very necessary for every organisation whether it is financial or manufacturing to make financial statements; and to analyze it.

Income statements analysis which is done by using ratio analysis and trend analysis give the true picture of the company.

In order to understand and analysis ratio we have used Profit and Loss and Balance sheet of Top Three Bank. The analysis showed various aspect of bank regarding their financial system, observation also indicated most widely emphasized goals of the firm is to maximize the value of firm to it‟s meet the long term and short- term requirements. Funds are invariably required to carry on the various activities of business.

On the basis of ratio analysis we have suggested some issues which will helpful to bank regarding their financial systems analysis of financial statements helped me to know how ratio analysis help the banker to know the financial positions of the business. Among the various tools for the evaluating the financial statements ratio analysis is the most widely used tool, as it helps us to measure the financial and operational performance of any business.

Studying the Financial Performance of SBI, ICICI, PNB was a meaningful and Knowledgeable. We as a team made it possible the financial analysis of the company.



 After preparation of the financial statements. One may be interested in knowing the position
of an enterprise from the different point of view. This can be done by analyzing the financial statement with the helps of different tools of analysis such as ratio analysis, fund flow analysis, cash flow analysis, comparative statement analysis, etc..Here I have done financial analysis by ratios .In this process, a meaningful relationship it established between two or more accounting figures for comparison.

 Financial ratio are widely used for modelling purposes both by the practioners and
researchers .The firm involves many interested parties ,like agencies the and owners,management,personnel,customers,suppliers,competitors,regulatory academic each having there views

in applying financial statements analysis in their

evaluations. Practitioners use financial ratios, for instance, to forecast the future success of companies, while the researchers man interest has been to develop model exploiting these ratio. Many distinct areas of research involving financial ratio can be discerned.

 „Financial statements are those statements which provide information about profitability and
financial position of a business. In include statements and Balance sheet. two statements :Profit and loss or income

 Profit & loss statements presents the summary of income earned and the expenses incurred
during a financial year. Balance sheet statements present the financial position of the business at the end of years.

 Before understanding the meaning of analysis of financial statements it is necessary to
understand the meaning of analysis „and „financial „statements.

 Analysis means establishing a meaningful relationship between various items of the two
financial statements with each other in such a way that a conclusion is drawn. By financial statements we men two statements:(1) P/L (2) B/S. These are prepared at the end of a

given period o time. They are indicators of profitability and financial soundness of the business concern.

 Parties interested in analysis of financial statements.
Analysis of financial statements has become very significant due to widespread interest Of various parties in the financial result of a business unit the various persons interested In the analysis of financial statement are. 2.

 Short-Term Creditors: They are interested in knowing whether the amounts owing to them will be paid as and when fall due for payment or not.  Long-Term Creditors: They are interested in knowing whether the principal amount and interest there on will be paid on time or not.  Shareholders: They are interested in profitability, return and capital appreciation.  Management: The management interested in the financial position and performance of the enterprise as a whole and of its various divisions.  Trade unions: They are interested in financial statements for negotiating the wages or salaries or bonus agreement with management.  Taxations authorities: These authorities are interested in financial statements for determining the tax liability.  Researchers: They are interested in the financial statement in undertaking research in business affairs and practices.  Employees; They are interested as it enables then to justify their demand for bonus and increases in remuneration. You have seen that different parties are interested in the result reported in the financial statements. These result are reported by analyzing financial statements through the use of ratio analysis.


Analysis of financial statements is an attempt to assess the efficiency and performance of an enterprise. For that there are some objectives which are described as under.

  

To know the project financed by SBI, ICICI, PNB.

To analysis SBI, ICICI, PNB bank financial statement.

To understand the importance of financial statement analysis calculate, the ratio and also analyze them.

Through the net profit ratio and other profitability ratio, understand the profitability position of SBI, ICICI, PNB.

     

Evaluating company performance relating to financial statement analysis.

To know the Liquidity position of the company, with the help of current ratio.

To know the policies of SBI, ICICI, PNB towards the project financing.

To know the risk involved in project financing.

To appraise the project using financing tools.

To know the measures taken by bank when the client fail to repay the amount.


The main objective of this study was to know about history , their management level, their Product and Services, their shareholding pattern, their Customer Care Service and also know about their Financial Performance. In short to know detail about their different department. Since my study was highlighting on SBI, ICICI, PNB, I could concentrate or generalize result.


The expected outcome of the study is the result which, I came out with and through which I am successful in completing this entire project.


The source of data this project contains are: Firstly, the books that contained details of all 3 banks. Secondly, the data was also collected through the website, Thirdly, the data was collected from Magazine and newspapers and the most important is primary data which was collected by conducting oral interview with the accountant.


Discussions with the Bank guide and customers. By studying project reports. Using project techniques.


OVERVIEW OF THE COMPANY STATE BANK OF INDIA Type: Public (BSE, NSE:SBI) & (LSE:SBID) Calcutta, 1806 (as Bank of Calcutta) Corporate Centre, Madam Cama Road, Mumbai 400 021 India Pratip Chaudhari, Chairman



Key people:


US $ 32.44 billion US $ 2.34 billion US $ 369.56 billion US $ 18.71 billion 222,933

State Bank of India (SBI) (LSE: SBID) is the largest bank in India. It is also, measured by the number of branch offices and employees, the second largest bank in the world. The bank traces its ancestry back through the Imperial Bank of India to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. The Government of India nationalized the Imperial Bank of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the Government took over the stake held by the Reserve Bank of India.

SBI provides a range of banking products through its vast network in India and overseas, including products aimed at NRIs. With an asset base of $126 billion and its reach, it is a regional banking behemoth. SBI has laid emphasis on reducing the huge manpower through Golden handshake schemes and computerizing its operations. 6.

The State Bank Group, with over 16000 branches, has the largest branch network in India. It has a market share among Indian commercial banks of about 20% in deposits and advances.

Regional office of the State Bank of India (SBI), India's largest bank, in Mumbai. The government of India is the largest shareholder in SBI.

The bank has 52 branches, agencies or offices in 32 countries. It has branches of the parent in Colombo, Dhakka, Frankfurt, Hong Kong, Johannesburg, London and environs, Los Angeles, Male in the Maldives, Muscat, New York, Osaka, Sydney, and Tokyo. It has offshore banking units in the Bahamas, Bahrain, and Singapore, and representative offices in Bhutan and Cape Town.

SBI operates several foreign subsidiaries or affiliates. In 1990 it established an offshore bank, State Bank of India (Mauritius). It has two subsidiaries in North America, State Bank of India (California), and State Bank of India (Canada). In 1982, the bank established its California subsidiary, which now has seven branches. The Canadian subsidiary was also established in 1982 and also has seven branches, four in the greater Toronto area, and three in British Columbia. In Nigeria, it operates as INMB Bank. This bank was established in 1981 as the Indo-Nigerian Merchant Bank and received permission in 2002 to commence retail banking. It now has five branches in Nigeria. In Nepal SBI owns 50% of Nepal SBI Bank, which has branches throughout the country. In Moscow SBI owns 60% of Commercial Bank of India, with Canara Bank owning the rest. In Indonesia it owns 76% of PT Bank Indo Monex. State Bank of India already has a branch in Shanghai and plans to open one up in Tianjin.

It is a state owned corporation with its headquarters in Mumbai, Maharashtra. As of March 2011, it had assets of US$370 billion with over 13,000 outlets including 150 overseas branches and agents globally.


SBI has five associate banks; all use the same logo of a blue circle and all the associates use the "State Bank of" name, followed by the regional headquarters' name:
    

State Bank of Bikaner & Jaipur State Bank of Hyderabad State Bank of Mysore State Bank of Patiala State Bank of Travancore.

Non-banking subsidiaries:
      

SBI Capital Markets Ltd SBI Funds Management Pvt Ltd SBI Factors & Commercial Services Pvt Ltd SBI Cards & Payments Services Pvt. Ltd. (SBICPSL) SBI DFHI Ltd SBI Life Insurance Company Ltd. SBI General Insurance.

Current Board of Directors:
      Pratip Chaudhuri (Chairman) Hemant G. Contractor (Managing Director) Diwakar Gupta (Managing Director) A Krishna Kumar (Managing Director) Dileep C Choksi (Director) S. Venkatachalam (Director)


     

D. Sundaram (Director) Parthasarathy Iyengar (Director) G. D. Nadaf (Officer Employee Director) Rashpal Malhotra (Director) D. K. Mittal (Director) Subir V. Gokarn (Director)

Branches of SBI:
 

  

State Bank of India has 172 foreign offices in 37 countries across the globe. SBI has about 25,000 ATMs (25,000th ATM was inaugurated by the then Chairman of State Bank Shri O.P. Bhatt on 31 March 2011, the day of his retirement); and SBI group(including associate banks) has about 45,000 ATMs. SBI has 21,500 branches, including branches that belong to its associate banks. SBI includes 99345 offices in India. India's number one ADB is in bellary i e State bank of India bellary ADB.




Public (BSE; NSE;NYSE)




Mumbai, Maharashtra ,India

Key People:

K.V.Kamath (chairman) Chanda Kocchar (MD & CEO )

Revenue :

US $ 13.812 billion.


US $1.366 billion.

Total Assets:

US $119.69 billion.



ICICI was formed in 1955 at the initiative of the World Bank, the government of India and Indian industry representatives. The principal objective was to create a development financial institution for providing medium-term and long-term project financing to Indian businesses. Until the late 1980s, ICICI primarily focused its activities on project finance, providing long-term funds to a variety of industrial projects. With the liberalization of the financial sector in India in the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversified financial services provider that, along with its subsidiaries and other group companies, offered a wide variety of products and services. As India‟s economy became more market-oriented and integrated with the world economy, ICICI capitalized on the new opportunities to provide a wider range of financial products and services to a broader spectrum of clients. 10.

ICICI Bank was incorporated in 1994 as a part of the ICICI group. ICICI Bank‟s initial equity capital was contributed 75.0% by ICICI and 25.0% by SCICI Limited, a diversified finance and shipping finance lender of which ICICI owned 19.9% at December 1996. Pursuant to the merger of SCICI into ICICI, ICICI Bank became a wholly-owned subsidiary of ICICI. ICICI‟s holding in ICICI Bank reduced due to additional capital raising by ICICI Bank and sale of shares by ICICI, pursuant to the requirement stipulated by the Reserve Bank of India that ICICI dilute its ownership of ICICI Bank. Effective March 10, 2001, ICICI Bank acquired Bank of Madura, an old private sector bank, in an all-stock merger.

The issue of universal banking, which in the Indian context means the conversion of long-term lending institutions such as ICICI into commercial banks, had been discussed at length over the past several years. Conversion into a bank offered ICICI the ability to accept low-cost demand deposits and offer a wider range of products and services, and greater opportunities for earning non-fund based income in the form of banking fees and commissions. ICICI Bank also considered various strategic alternatives in the context of the emerging competitive scenario in the Indian banking industry. ICICI Bank identified a large capital base and size and scale of operations as key success factors in the Indian banking industry. In view of the benefits of transformation into a bank and the Reserve Bank of India‟s pronouncements on universal banking, ICICI and ICICI Bank decided to merge.

At the time of the merger, both ICICI Bank and ICICI were publicly listed in India and on the New York Stock Exchange. The amalgamation was approved by each of the boards of directors of ICICI, ICICI Personal Financial Services, ICICI Capital Services and ICICI Bank at their respective board meetings held on October 25, 2001. The amalgamation was approved by ICICI Bank‟s and ICICI‟s shareholders at their extraordinary general meetings held on January 25, 2002 and January 30, 2002, respectively. The amalgamation was sanctioned by the High Court of Gujarat at Ahmedabad on March 7, 2002 and by the High Court of Judicature at Bombay on April 11, 2002. The amalgamation became effective on May 3, 2002. The date of the amalgamation for accounting purposes under Indian GAAP was March 30, 2002.

The Sangli Bank Limited, an unlisted private sector bank merged with ICICI Bank with effect from April 19, 2007. On the date of acquisition, Sangli Bank had over 190 branches and extension counters, total assets of Rs. 17.6billion (US$ 440 million), total deposits of Rs. 13.2 billion (US$ 330 million), total loans of Rs. 2.0 billion (US$ 50million). 11.

 Domestic
       

ICICI Lombard ICICI Prudential Life Insurance Company Limited ICICI Securities Limited ICICI Prudential Asset Management Company Limited ICICI Venture ICICI Home Finance ICICI ICICI Foundation.
 International

  


It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank has a network of 2,630 branches and 8,003 ATM's in India, and has a presence in 19 countries, including India
The bank has subsidiaries in the United Kingdom, Russia, and Canada; branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre; and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The company's UK subsidiary has established branches in Belgium and Germany. 12.





New Delhi

Key People:

K.R Kamath (Chairman & MD )


US $ 6.23 billion.

Net Income:

US $ 912.51 million.

Total Assets:

US $ 74.57 billion.



Punjab National Bank (PNB) was registered on May 19, 1894 under the Indian Companies Act with its office in Anarkali Bazaar Lahore. The Bank, founded by Dyal Singh Majithia and Lala Harkishen Lal, is the second largest government-owned commercial bank in India with about 4,500 branches across 764 cities. It serves over 37 million customers. The bank has been ranked 248th biggest bank in the world by Bankers Almanac, London. Total Business of the bank for financial year 2007 is estimated to be approximately US$60 billion. It has a banking subsidiary in the UK, as well as branches in Hong Kong and Kabul, and representative offices in Almaty, Shanghai, and Dubai.

We are a leading public sector commercial bank in India, offering banking products and services to corporate and commercial, retail and agricultural customers. Our banking operations for corporate and commercial customers include a range of products and services for large corporations, as well as small and 13.

middle market businesses and government entities. We offer a wide range of retail credit products including housing loans, personal loans and automobile loans. We cater to the financing needs of the agricultural sector and have created innovative financing products for farmers. We also provide significant financing to other priority sectors including small scale industries. Through our treasury operations, we manage our balance sheet, including the maintenance of required regulatory reserves, and seek to maximize profits from our trading portfolio by taking advantage of market opportunities.

Our revenue, which is referred to herein and in our financial statements as our income, consists of interest income and other income. Interest income consists of interest on advances (including the discount on bills discounted) and income on investments. Income on investments consists of interest and dividends from securities and our other investments and interest from interbank loan and cash deposits we keep with the RBI. Our securities portfolio consists primarily of Government of India and state government securities. We meet our statutory liquidity reserve ratio requirements through investments in these and other approved securities. We also hold debentures and bonds issued by public sector undertakings and other corporations, commercial paper, equity shares and mutual fund units.

Our interest expense consists of our interest on deposits as well as borrowings. Our interest Income and expense are affected by fluctuations in interest rates as well as the volume of activity. Our interest expense is also affected by the extent to which we fund our activities with low interest or non-interest deposits, and the extent to which we rely on borrowings.

Our non-interest expense consists principally of operating expenses such as expenses for wages and employee benefits, rent paid on premises, insurance, postage and telecommunications expenses, printing and stationery, depreciation on fixed assets, other administrative and other expenses. Provisioning for nonperforming assets, depreciation on investments and income tax is included in provisions and contingencies.

We use a variety of indicators to measure our performance. These indicators are presented in tabular form in the section titled “Selected Statistical Information”. Our net interest income represents our total interest income (on advances and investments) net of total interest expense (on deposits and borrowings). Net interest margin represents the ratio of net interest income to the monthly average of total interest earning assets. Our spread represents the difference between the yield on the monthly average of interest earning assets and the cost of the monthly average of interest bearing liabilities. We calculate average yield on the monthly average of advances and average yield on the monthly average of investments, as well as the 14.

average cost of the monthly average of deposits and average cost of the monthly average of borrowings. Our cost of funds is the weighted average of the average cost of the monthly average of interest bearing liabilities. For purposes of these averages and ratios only, the interest cost of the unsecured subordinated bonds that we issue for Tier 2 capital adequacy purposes (“Tier 2 bonds”) is included in our cost of interest bearing liabilities. In our financial statements, these bonds are accounted for as “other liabilities and provisions” and their interest cost is accounted for under other interest expenses.

Since 1969, when we became a public sector bank, we have managed to continue to grow our business while maintaining a strong balance sheet. As of September 30, 2004, our total deposits represented 85.9% of our total liabilities. On average, interest free demand deposits and low interest savings deposits represented 43.8% of these deposits in the first six months of fiscal 2005.These low-cost deposits led to an average cost of funds excluding equity for the first six months of fiscal 2005 of 4.7%. As of September 30, 2004, our gross and net non-performing assets constituted 7.65% and 0.30% of our gross and net advances, respectively. In fiscal 2004 our total income was Rs. 96.5 billion and our net profit was Rs. 11.1 billion before adjustment and Rs. 10.6billion after adjustment as part of the restatement of our financial statements for this Issue. In the first six months of fiscal 2005 our total income was Rs. 51.9 billion and our net profit was Rs. 7.4billion. Between fiscal 2002 and 2004, our total income grew at a compound annual rate of12.5%, our unadjusted and adjusted net profit grew at a compound annual rate of 40.4% and37.4%, respectively, and our total deposits and total advances grew at a compound annual growth rate of 17.1% and 17.2%, respectively.

We intend to maintain our position as a cost efficient and customer friendly institution that Provides comprehensive financial and related services. We seek to achieve this by continuing to adopt technology which will integrate our extensive branch network. We intend to grow by cross selling various financial products and services to our customers and by expanding geographically in India and internationally. We are committed to excellence in serving the public and also maintaining high standards of corporate responsibility. In line with our philosophy of aiding India‟s development we have opened branches in many rural areas.

PNB is the third largest bank in India by assets. It was founded in 1894 and is currently the second largest state-owned commercial bank in India ahead of Bank of Baroda with about 5000 branches across 764 cities. It serves over 37 million customers. The bank has been ranked 248th biggest bank in the world by the Bankers Almanac, London. The bank's total assets for financial year 2007 were about US$60 billion. PNB has a banking subsidiary in the UK, as well as branches in Hong Kong, Dubai and Kabul, and representative offices in Almaty, Dubai, Oslo, and Shanghai 15.


Personal Banking Agricultural & Rural Banking NRI Services International Banking Corporate Banking Services Govt. Business SME

Personal banking Deposit schemes Personal Finance Corp Salary Package Service

Agricultural Agricultural Banking Micro Credit Regional Rural Bank

NRI Services Type of Acccount

International Trade Finance Merchant Banking Correspondent Banking

Corporate Banking Corporate Account Mid corporate Govt.SME Business Project Finance



SBI Term Deposits SBI Recurring Deposits SBI Housing Loan SBI Car Loan SBI Educational Loan SBI Personal Loan

SBI Loan For Pensioners Loan Against Mortgage Of Property Loan Against Shares & Debentures Rent Plus Scheme Medi-Plus Scheme Rates Of Interest

State Bank of India Caters to the needs of agriculturists and landless agricultural labourers through a network of 6600 rural and semi-urban branches. There are 972 specialized branches which have been set up in different parts of the country exclusively for the development of agriculture through credit deployment .These branches include 427 Agricultural Development Branches (ADBs) and 547 branches with Development Banking Department (DBDs) which cater to agriculturists and 2 Agricultural Business Branches at Chennai and Hyderabad catering to the needs of hi tech commercial agricultural projects.

Our branches have covered a whole gamut of agricultural activities like crop production , horticulture , plantation crops, farm mechanization, land development and reclamation, digging of wells, tube wells and irrigation projects, forestry, construction of cold storages and godowns, processing of agri-products, finance to agri-input dealers, allied activities like dairy , fisheries, poultry, sheep-goat, piggery and rearing of silk worms.

The branch also has farmer's meet in villages to explain to farmers about various schemes offered by the bank. To give special focus to agriculture lending Bank has set up agri business unit. Bank has also agri specialists in various disciplines to handle projects/ guide farmers in their agri ventures. Advances are given for very small activity covering poorest of the poor to hi-tech activities involving large fund outlays.

We are the leaders in agri finance in the country with a portfolio of Rs. 18,000 cars in agri advances to around 50 lac farmers. 17.

World Class Services from a Bank you can Trust Indians everywhere should become enlightened International citizens. Wherever you are, whichever country you live, enrich that nation, not only in financial terms, but also with your sweat knowledge and dignity since that is the tradition of the country from where you came. At the same time, remember we have a common umbilical connectivity to our motherland, India.

International banking services of State Bank of India are delivered for the benefit of its Indian customers, non-resident Indians, foreign entities and banks through a network of 84 offices/branches in 32 countries as on 31 March 2008, spread over all time zones. The network is augmented by a cluster of Overseas and NRI branches within India and correspondent links with over 522 banks, the world over. Bank's Joint Ventures and Subsidiaries abroad further underline the Bank's international presence. The services include corporate lending, loan syndications, merchant banking, handling Letters of Credit and Guarantees, short-term financing, collection of clean and documentary credits and remittances.

The Bank has carved a niche for itself in the Euro land with branches located in Antwerp, Paris and Frankfurt. Indian banks and corporates are able to avail single-window Euro services from the Bank's Frankfurt branch.  CORPORATE BANKING: SBI is a one shop providing financial products / services of a wide range for large, medium and small customers both domestic and international.

Working Capital Financing :
  Assistance extended both as Fund based and Non-Fund based facilities to Corporate, Partnership firms, Proprietary concerns Working Capital finance extended to all segments of industries and services sector such as IT Term Loans to support capital expenditures for setting up new ventures as also for expansion, renovation etc.


Deferred Payment Guarantees:
to support purchase of capital equipments.

Corporate Loans
For a variety of business related purposes to corporate.

Export Credit
To Corporate / Non Corporate

Strategic Business Units
 Corporate Accounts Group (CAG)  Project Finance  Lease Finance  An exclusive unit providing one s shopping to Corporate  A dedicated set up specialised in financing of infrastructure and other large projects  Exclusive set up for handling large ticket leases. Pricing.  SBI's Prime Lending Rates (PLR) is among the lowest  Presently Bank has two PLR's.  SBAR for loans payable on demand and up to one year.  SBMTLR for loans payable beyond one year.

Listed on the left are Services, SBI offers to its customers. DOMESTIC TREASURY


State Bank of India's linkage with Government business is widespread. No wonder that out of 9315 branches in India, about 7000 branches are conducting Government Business. The large network of our branches provides easy access to the common man to deposit the following Government dues and pension payments.

 SME (small scale industries):
State Bank of India has been playing a vital role in the development of small scale industries since 1956.The Bank has financed over 8 lakhs SSI units in the country. It has 55 specialised SSI branches, 99 branches in industrial estates and more than 400 branches with SIB divisions. The Bank finances for Small Business activities which are of special significance to a large number of people as many of these activities can be started with relatively lower investment and with no special skills on the part of the entrepreneurs.



Safety, Flexibility, Liquidity, Returns! ICICI Bank offers a wide Variety of Deposit Products to suit your banking requirements.

Simplified Documentation, Quick Processing, Hassle Free!!!

Exclusive,economicl Expert advice !!! ICICI bank powered –packed feature rich investement option for meeting all your Investements.

World class service and acceptance !!! ICICI bank both national and international.

Secure, reliable, convenient !!! We offer the facility of buying insurance policies offer.


Banking at your fingertips !!! Why be inline when you can be online for paying your utility bills, mobile bill, prepared mobile Recharge, shopping credit cards, insurance premium and lots more.

ICICI Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in Singapore, Bahrain, Hong Kong, Sri Lanka, Dubai International Finance Centre, Qatar Financial Centre and the United States and representative offices in the United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The Bank‟s wholly owned subsidiary ICICI Bank UK PLC has nine branches in the United Kingdom and a branch each in Belgium and Germany. ICICI Bank Canada has eight branches including three in Toronto. ICICI Bank Eurasia LLC has six branches including three branches in Moscow and one in St. Petersburg. Our international strategy is focused on building a retail deposit franchise, diverse wholesale funding sources and strong syndication capabilities to support our corporate and investment banking business; achieving the status of a non-resident Indian (NRI) community bank in key markets; and expanding private banking operations for India-centric asset classes. During fiscal 2008, we focused on deepening our presence in existing overseas locations and expanding our operations in key markets. In line with our strategy to establish a presence in large markets with significant savings pools, we entered into Germany through a branch established by ICICI Bank UK PLC. We have been able to successfully leverage our technology advantage to create a growing international deposit base. Total deposits of ICICI Bank UK PLC and ICICI Bank Canada increased by 76.0% from Rs. 191.28billion at March 31, 2007 to Rs. 335.86 billion at March 31, 2008. We also received approval for and commenced branch operations in the United States. Through our international private banking services, we offer various products to mass affluent and high net worth clients based on their financial needs and risk appetite. The offerings range from simple deposits and loans to more sophisticated structured products, private equity and products giving exposure to the real estate sector in India.  CORPORATE BANKING: Our corporate banking strategy is based on providing comprehensive and customised financial solutions to our corporate customers. We offer a complete range of corporate banking products including rupee and foreign currency debt, working capital credit, structured financing, syndication and transaction banking products and services. We have created an integrated Global Investment Banking Group, which is responsible for working with the relationship team in India and our international subsidiaries and branches, for origination, structuring and execution of investment banking mandates on a global basis. We have also restructured our delivery team for transaction banking products by creating dedicated sales teams for trade services and transaction banking products. This has been done with the intent to increase our market share from transaction banking products, which will translate into recurring fee income for the Bank. We have also focused on increasing market share in trade finance by leveraging and further strengthening correspondent banking relationships. 22.

During fiscal 2008, our small enterprises customer base increased by 26% to about 1.1 million accounts. We have introduced our service offerings in over 400 new branches, increasing our coverage to over 1,000 branches. During the year, we have focused on product specialisation including investment banking for SMEs. We have continued to focus on shaping the small and medium enterprises sphere in India through initiatives such as the Emerging India Awards”, the SME CEO Knowledge Series - a platform to mentor and assist SME entrepreneurs, and the “SME Dialogue” - a weekly feature in a leading financial newspaper sharing SME best practices and success stories. During the year, we have launched several new products and services like the SME toolkit – an online business and advisory resource for SMEs.  RURAL BANK- AGRI BUSINESS: We believe the rural economy has high growth potential and offers large credit growth opportunities. Towards this end, our suite of products and services is targeted to address the needs of both the farm and non-farm sectors. Our retail product suite encompasses loans for crop production, purchase of farm equipment; commodity based finance as well as various savings, investment and insurance products. We also offer micro-finance and jewel loans. We have also focused on enhancing credit to farmers by leveraging on corporate partnerships. For example, we have partnered with various dairies to provide financing to farmers for purchase of milch cattle. We also provide credit and banking services to SMEs active in the agricultural value chain. To enhance our service quality and product delivery capabilities we have developed a large network of rural branches which is further augmented by non-branch channels. Rural banking in India is still at a nascent stage and the deployment of technology channels and modern banking methods for rural lending continues to be an evolving process. In line with our learning from our rural banking operations, we undertook a comprehensive review of and realigned our channel architecture, credit underwriting processes and account management systems. We have put in place a robust risk management structure to Mitigate and manage credit, operational and fraud risks. Through this, we aim to create a strong foundation for scaling up of our rural business.



 Term loans Cash credit and other working capital facilities Bill discounting Export credits Other credit and financing products

We provide personal financial services for NRIs. We have established a branch in Kabul and Representative offices in other cities overseas in order to facilitate services being provided to NRIs. We offer foreign currency accounts to NRIs under our Foreign Currency Non-Resident Scheme and rupee accounts for NRIs under our Non-Resident External and Non-Resident Ordinary Schemes. We have introduced our Global Foreign Currency Scheme and Global Rupee Deposit Scheme, which offer benefits and concessions to NRIs and their relatives provided a minimum balance of Rs. 250,000 or US$5,000 is maintained in the account. We also offer various products for facilitating remittances from NRIs to India. We recently entered into an arrangement to facilitate money transfers through Western Union, which is a global leader in money transfer services. We have also entered into an agreement with Times Online Money Ltd., a Times of India group company, with a view to establishing an internet based international remittance service. In addition, we also provide housing loans to NRIs.

In retail banking, our principal competitors are the large public sector banks, as well as existing and new private sector banks and foreign banks in the case of retail loan products. The other public sector banks have large deposit bases and large branch networks, including the State Bank of India which has 13,593 branches. Private sector and foreign banks compete principally by offering a wider range of products as well as greater technological sophistication in some cases.
Foreign banks, while having a small market penetration overall, has a significant presence among nonresident Indians and also competes for non-branch based products such as auto loans and credit cards.

In particular, we face significant competition primarily from private sector banks and to a lesser degree from other public sector banks, in the housing, auto and personal loan segments. In mutual fund sales and other investment related products, our principal competitors are brokers, foreign banks and new private sector banks.


Agriculture contributes 22% to India‟s GDP and supports approximately two-thirds of India‟s population. In fiscal 2004, we surpassed the stated national goal that banks should provide at least18% of their net bank credit (which is gross credit minus Foreign Currency Non-Resident Bank deposits) to this segment, for which we received an award from India‟s Finance Minister. Our average credit growth rate in this segment has been 32.2% over the last four years. As of the last reporting Friday of September 2004, agricultural loans constituted 18.8% of our net bank credit.

We provide financing to “small scale industries” or “SSIs”. SSIs are defined as manufacturing, processing and servicing businesses with up to Rs. 50 million invested in plant and machinery for certain industries such as hosiery, hand tools, drugs and pharmaceuticals and stationery items and up to Rs. 10 million invested in plant and machinery for other small scale industries. SSIs are also considered a priority sector for directed lending purposes. See the section titled “Business-Directed Lending” below. As of the last reporting Friday in September 2004, SSI loans constituted 11.3% of our net bank credit. As of the last reporting Friday in September, 2004 we had an outstanding loan portfolio of Rs. 57.3 billion in this segment compared to Rs. 48.5 billion as of the last reporting Friday in September 2003, representing growth of approximately 18.1%.We have also received awards and recognition from the Government of India relating to our efforts in financing SSI businesses.


Balance Sheet of State Bank of India

------------------- in Rs. Cr. ------------------Mar '11 Mar '10 634.88 634.88 0.00 0.00 65,314.32 0.00 65,949.20 804,116.23 103,011.60 907,127.83 80,336.70 1,053,413.73 Mar '10 12 mths 61,290.87 34,892.98 631,914.15 285,790.07 11,831.63 7,713.90 4,117.73 295.18 35,112.76 1,053,413.74 Mar '09 634.88 634.88 0.00 0.00 57,312.82 0.00 57,947.70 742,073.13 53,713.68 795,786.81 110,697.57 964,432.08 Mar '09 12 mths 55,546.17 48,857.63 542,503.20 275,953.96 10,403.06 6,828.65 3,574.41 263.44 37,733.27 964,432.08 Mar '08 631.47 631.47 0.00 0.00 48,401.19 0.00 49,032.66 537,403.94 51,727.41 589,131.35 83,362.30 721,526.31 Mar '08 12 mths 51,534.62 15,931.72 416,768.20 189,501.27 8,988.35 5,849.13 3,139.22 234.26 44,417.03 721,526.32

Capital and Liabilities: Total Share Capital Equity Share Capital Share Application Money Preference Share Capital Reserves Revaluation Reserves Net Worth Deposits Borrowings Total Debt Other Liabilities & Provisions Total Liabilities 635.00 635.00 0.00 0.00 64,351.04 0.00 64,986.04 933,932.81 119,568.96 1,053,501.77 105,248.39 1,223,736.20 Mar '11 12 mths Assets Cash & Balances with RBI Balance with Banks, Money at Call Advances Investments Gross Block Accumulated Depreciation Net Block Capital Work In Progress Other Assets Total Assets 94,395.50 28,478.65 756,719.45 295,600.57 13,189.28 8,757.33 4,431.95 332.23 43,777.85 1,223,736.20

Balance sheet keep clean up and hits profit:  If you see total assets as compare to previous year .This time SBI gain Rs.170322.46 crore. It show, the bank is gain huge profit and their product and services customers attract on them.  Cash and Balance show how SBI can manage in 2011 Rs.94,395.50 crore as previous year only they gain Rs.61,290.87 crore.  They Investement in markets Rs.295,600.57 crore  SBI can grow every year as per see the data of 4 year back how bank can grow and developed in economy. 26.

 NII at Rs.96.9 billion well ahead of our and street expectations. Net profit Rs.15.8 billion was dragged by provision towards regulated requirements.

 If you see positive way: NIM expenses of 44 bps y-o-y aided by 2% q-o-q growth in loan book, lending rate hikes (170 bps) past 1 years and deposit lower rates.

 If you see negative way: Assets quality, Net worth at 18% and slippages at 3.2% annual; slippages from SME and agricultural segments. The bank has already migrated to system based on NPA recognition. NPA provision at Rs.27 billion credit cost came in at 1.6% annually.

 The tax provision has also remain high 49% of PBT and 21% of operating profit. Some portion of the pension expenses were not tax deductible and also provision for NPA are not deductible expenses. In coming 2012 :  Earning by 12% for higher NPA and Tax provision .Right must be balance sheet growth maintain hold with TP of Rs.2,200  NII grew 33% y-o-y to Rs.96.9 billion above our streetexpectation.NII growth was led by margin expansion of 44 bps y-o-y to 3.62% and loan growth of 2% (18% y-o-y). Cost of deposit at 5.7% was up and advanced 10.43%.  Lower non-interest income and higher provision including tax outgo.The bank made provision towards NPA including restructured assets and counter cyclical requirements.  Margin expansion aided by lending rate hike and repricing of deposit at relatively lower rate loan growth targeted 16-19% y-o-y.  Best CASA ratio deposit targeted to grow at 19% y-o-y in 2012.CASA ratio 48% remain industry best for SBI.Total deposit for the bank grew 16.5% y-o-yand the management has guided for deposit growth of 19% y-o-y over 2012.  Non-interest and dividend hit by lower treasury and dividend income (fee income up 9% y-o-y


Balance Sheet of ICICI Bank Mar '11 12 mths Capital and Liabilities: Total Share Capital Equity Share Capital Share Application Money Preference Share Capital Reserves Revaluation Reserves Net Worth Deposits Borrowings Total Debt Other Liabilities & Provisions Total Liabilities 1,151.82 1,151.82 0.29 0.00 53,938.82 0.00 55,090.93 225,602.11 109,554.28 335,156.39 15,986.35 406,233.67 Mar '11 12 mths Assets Cash & Balances with RBI Balance with Banks, Money at Call Advances Investments Gross Block Accumulated Depreciation Net Block Capital Work In Progress Other Assets Total Assets 20,906.97 13,183.11 216,365.90 134,685.96 9,107.47 4,363.21 4,744.26 0.00 16,347.47 406,233.67

------------------- in Rs. Cr. ------------------Mar '10 12 mths Mar '09 12 mths Mar '08 12 mths

1,114.89 1,114.89 0.00 0.00 50,503.48 0.00 51,618.37 202,016.60 94,263.57 296,280.17 15,501.18 363,399.72 Mar '10 12 mths

1,463.29 1,113.29 0.00 350.00 48,419.73 0.00 49,883.02 218,347.82 67,323.69 285,671.51 43,746.43 379,300.96 Mar '09 12 mths

1,462.68 1,112.68 0.00 350.00 45,357.53 0.00 46,820.21 244,431.05 65,648.43 310,079.48 42,895.39 399,795.08 Mar '08 12 mths

27,514.29 11,359.40 181,205.60 120,892.80 7,114.12 3,901.43 3,212.69 0.00 19,214.93 363,399.71

17,536.33 12,430.23 218,310.85 103,058.31 7,443.71 3,642.09 3,801.62 0.00 24,163.62 379,300.96

29,377.53 8,663.60 225,616.08 111,454.34 7,036.00 2,927.11 4,108.89 0.00 20,574.63 399,795.07

 Investement in security receipt of assets reconstruction companies was Rs.28.31 billion at March 31,2011.  Credit derivities exposure as well as balance sheet of Rs.38.77 billion at March 2011.  Credit deposit ratio 75% on the domestic balance sheet at March 31,2011  PAT of Rs.2.33 billion 2011 compared Rs.1.61 billion in 2010.  PAT increased 30.5% to 60.93 billion 2011 compared to Rs.46.70 billion in 2010 28.

 Profit of ICICI FY2011 include an impact of Rs.2.72 billion on account or the above.  Average Net Worth 2011 at 11.6% compared to 9.6% in 2010.  Capital adequacy ratio of 22.4% at March 31,2011  NPA ratio : 1.3%  At March 31,2011 Net worth Rs.13 billion deposits Rs.19 billion and borrowing Rs.54 billion.  Capital instrument constitute 65% of domestic borrowing.  Gross retail NPL at Rs.66.35 billion and net retail NPL at Rs.12.49 billion at March 31,2011. In coming 2012:  25.5% increased in standalone PAT from Rs.51.51 billion in 2011 ( April 2010-March 2011) to Rs.64.65 billion in 2012 (April 2011-March 2012)  Net interest income by 19% y-o-y full year NIM improved by a basis point 2.73%.  Fee income increased by 4.5%  30.8% reduction in provision to Rs.15.83 billion  25.4% in consolidation PAT from Rs.60.93 billion 2011 to Rs.7643 billion in 2012.  Advanced increased by 17.3% of y-o-y to Rs.2,537.28 billion at March 31,2012  CASA ratio at 43.5% at March 31,2012, Average CASA ratio at 39% in 2012  NPA ratio decreased 0.62% at March 31,2012 from 0.70% at December 31,2011


Balance Sheet of Punjab National Bank

------------------- in Rs. Cr. ------------------Mar '11 12 mths Mar '10 12 mths 315.30 315.30 0.00 0.00 15,915.63 1,491.99 17,722.92 249,329.80 19,262.37 268,592.17 10,317.69 296,632.78 Mar '10 12 mths 18,327.58 5,145.99 186,601.21 77,724.47 4,215.21 1,701.74 2,513.47 0.00 6,320.07 296,632.79 Mar '09 12 mths 315.30 315.30 0.00 0.00 12,824.59 1,513.74 14,653.63 209,760.50 4,374.36 214,134.86 18,130.13 246,918.62 Mar '09 12 mths 17,058.25 4,354.89 154,702.99 63,385.18 3,930.36 1,533.25 2,397.11 0.00 5,020.20 246,918.62 Mar '08 12 mths 315.30 315.30 0.00 0.00 10,467.35 1,535.70 12,318.35 166,457.23 5,446.56 171,903.79 14,798.23 199,020.37 Mar '08 12 mths 15,258.15 3,572.57 119,501.57 53,991.71 3,699.64 1,384.12 2,315.52 0.00 4,380.84 199,020.36

Capital and Liabilities: Total Share Capital Equity Share Capital Share Application Money Preference Share Capital Reserves Revaluation Reserves Net Worth Deposits Borrowings Total Debt Other Liabilities & Provisions Total Liabilities 316.81 316.81 0.00 0.00 19,720.99 1,470.76 21,508.56 312,898.73 31,589.69 344,488.42 12,328.27 378,325.25 Mar '11 12 mths Assets Cash & Balances with RBI Balance with Banks, Money at Call Advances Investments Gross Block Accumulated Depreciation Net Block Capital Work In Progress Other Assets Total Assets 23,776.90 5,914.32 242,106.67 95,162.35 4,981.60 1,876.01 3,105.59 0.00 8,259.42 378,325.25

GROWING:  PNB Net profit growth in 2011 15.9% y-o-y, means they grow slightly our estimate of Rs.1,007 crore.  PNB gross NPA increase 11.4% q-o-q to Rs.4,025 crore and net NPA rose by 11.1% q-o-q to Rs.1,426 crore.  Non-interesst income increased 7.4% y-o-y to Rs.718 crore, 74.7% reduction in treasury gains.  There stock trading 9% above. 30.

 Advance grew 27.6% y-o-y driven by the 45.9%, 32.7% and 29% y-o-y growth in MSME, retail and agricultural segments‟.  PNB growth both sector advance and deposit.  Industry growth rate CASA deposit grew at a healthy 24.9% y-o-y driven by 24.3% y-o-y growth in Current account Saving account deposit.  NIM high but likely to come down, going forward.  NIM expected 4.06% and NII increased by a healthy 42.1% y-o-y and 13.7% q-o-q to Rs.2,977 crore.  Operating expanses increased by a substantial 14.6% q-o-q and 37.8% y-o-y employee costs 12.1% y-o-y.  PNB has cumulatively restructured Rs.13.545 crore worth of loan till date (6.5% loans, 68.2% of the net worth ) which is higher there industry standards. IN COMING 2012:  PNB Net Profit growth 12.1% y-o-y to Rs.1,205 crore.  Key Positive way: They improved NIM as well as slippage remaining under check, despit, completion of migration to system based NPA recognition platform.  Advanced growing by 19.3% y-o-y and deposit increasing by 25% y-o-y.  FD interest rate growth in CASA deposit 11.7% y-o-y  NIM of back improved by 4.0%  Fee income growth was sluggish as fresh credit linked fees declined 27.4% y-o-y.  NPA remained largely flat sequently at Rs.2,089 crore as compared to Rs.2,091 crore in 2012.  Central govt.shareholding in bank has increased 58%, which provide headroom of 7% for equity capital raising with any support from government. 31.

A class of financial metrics that are used to assess a business's ability to generate earnings as compared to its expenses and other relevant costs incurred during a specific period of time. For most of these ratios, having a higher value relative to a competitor's ratio or the same ratio from a previous period is indicative that the company is doing well. EXAMPLE: Typically experiences higher revenues and earnings for the Christmas season. Therefore, it would not be too useful to compare a retailer's fourth-quarter profit margin with its first-quarter profit margin. On the other hand, comparing a retailer's fourth-quarter profit margin with the profit margin from the same period a year before would be far more informative.

A ratio used to measure a company's pricing strategy and operating efficiency. Operating margin is a measurement of what proportion of a company's revenue is left over after paying for variable costs of production such as wages, raw materials, etc. A healthy operating margin is required for a company to be able to pay for its fixed costs, such as interest on debt. It Is Also known as "operating profit margin." CALCULATED AS: OPERATING MARGIN = OPERATING INCOME NET SALE Operating margin gives analysts an idea of how much a company makes (before interest and taxes) on each dollar of sales. When looking at operating margin to determine the quality of a company, it is best to look at the change in operating margin over time and to compare the company's yearly or quarterly figures to those of its competitors. If a company's margin is increasing, it is earning more per dollar of sales. The higher the margin, the better.

FOR EXAMPLE If a company has an operating margin of 12%, this means that it makes $0.12 (before interest and taxes) for every dollar of sales. Often, nonrecurring cash flows, such as cash paid out in a lawsuit settlement, are excluded from the operating margin calculation because they don't represent a company's true operating performance.



SR.NO 1.



2. 3.


14.45% 21.47%


It shows that operating efficiency of SBI is better than PNB and ICICI. While operating efficiency of ICICI is lower than PNB and SBI. So rank of operating efficiency of banks can be given as SBI, PNB and ICICI.


A financial metric used to assess a firm's financial health by revealing the proportion of money left over from revenues after accounting for the cost of goods sold. Gross profit margin serves as the source for paying additional expenses and future savings. It is also known as "gross margin".



FOR EXAMPLE: Suppose that ABC Corp. earned $20 million in revenue from producing widgets and incurred $10 million in COGS-related expense. ABC's gross profit margin would be 50%. This means that for every dollar that ABC earns on widgets, it really has only $0.50 at the end of the day. This metric can be used to compare a company with its competitors. More efficient companies will usually see higher profit margins.
















This ratio shows financial position of company. Here, financial position of SBI is better than PNB and ICICI. So SBI is at first rank by its financial position than PNB and ICICI.

Net profit margin ratio indicates profit levels of a business after all costs have been taken into account. It is worth analysing the ratio over time. A variation in the ratio from year to year may be due to abnormal conditions or expenses. Variations may also indicate cost blowouts which need to be addressed. A decline in the ratio over time may indicate a margin squeeze suggesting that productivity improvements may need to be initiated. In some cases, the costs of such improvements may lead to a further drop in the ratio or even losses before increased profitability is achieved.

















This ratio is key performance indicators for business. Key performance means the profit level of company; from above graph we can say that performance of PNB is better than SBI and ICICI. So profit level of PNB is at first rank than comes SBI and ICICI.


Return on Net worth (RONW) is used in finance as a measure of a company‟s profitability. It reveals how much profit a company generates with the money that the equity shareholders have invested. Therefore, it is also called Return on Equity (ROE) CALCULATED AS: RONW = NET INCOME * 100 SHARE HOLDER EQUITY RONW is a measure for judging the returns that a shareholder gets on his investment as a shareholder, equity represents your money and so it makes good sense to know how well management is doing with it. RATIO AT 31ST MARCH-2011

Sr.NO 1.



2. 3.


8.94% 19.00%


This ratio is useful for comparing the profitability of a company to that of other firms in the same industry. Here, profitability of PNB is more than SBI and PNB. So we can say that PNB is at first rank by its profitability than comes SBI and ICICI.

Any ratio used to calculate the financial leverage of a company to get an idea of the company's methods of financing or to measure its ability to meet financial obligations. There are several different ratios, but the main factors looked at include debt, equity, assets and interest expenses. A ratio used to measure a company's mix of operating costs, giving an idea of how changes in output will affect operating income. Fixed and variable costs are the two types of operating costs; depending on the company and the industry, the mix will differ.

A measure of a company's financial leverage calculated by dividing its total liabilities by stockholders' equity.




If a lot of debt is used to finance increased operations (high debt to equity), the company could potentially generate more earnings than it would have without this outside financing. If this were to increase earnings by a greater amount than the debt cost (interest), then the shareholders benefit as more earnings are being spread among the same amount of shareholders. However, the cost of this debt financing may outweigh the return that the company generates on the debt through investment and business activities and become too much for the company to handle. This can lead to bankruptcy, which would leave shareholders with nothing.
The debt/equity ratio also depends on the industry in which the company operates.

Capital-intensive industries such as auto manufacturing tend to have a debt/equity ratio above 2, while personal computer companies have a debt/equity of under 0.5.



Sr.No 1. 2. 3.








 INTERPRETATION: This ratio indicates what proportion of equity and debt the company is using to finance its assets. From above diagram we can say that PNB has a high debt-equity ratio means it is aggressive in financing its growth with debt. Than after SBI has a low debt-equity ratio as comparison with PNB and ICICI comes at third rank in debt-equity ratio.


Measure of the productivity of a firm, it indicates the amount of sales generated by each dollar spent on fixed assets, and the amount of fixed assets required to generate a specific level of revenue. Changes in the ratio over time reflect whether or not the firm is becoming more efficient in the use of its fixed assets. CALCULATED AS: FIXED ASSETS TURNOVER RATIO = SALE REVENUE / AVG.FIXED ASSETS


Sr.NO 1.











This ratio shows specific level of revenue by the amount of fixed assets. SBI has a high level of revenue in comparison with ICICI and PNB. After SBI, ICICI has a high level of revenue and than comes PNB at last.

Common liquidity ratios include the current ratio, the quick ratio and the operating cash flow ratio. Different analysts consider different assets to be relevant in calculating liquidity. Some analysts will calculate only the sum of cash and equivalents divided by current liabilities because they feel that they are the most liquid assets, and would be the most likely to be used to cover short-term debts in an emergency. A company's ability to turn short-term assets into cash to cover debts is of the utmost importance when creditors are seeking payment. Bankruptcy analysts and mortgage originators frequently use the liquidity ratios to determine whether a company will be able to continue as a going concern.  CURRENT RATIO: This ratio is a rough indication of a firm's ability to service its current obligations. Generally, the higher the current ratio, the greater the "cushion" between current obligations and your Company's ability to pay them. The composition and quality of current assets is a critical factor in the analysis of your Company's liquidity. It is calculated as Total current assets divided by total current liabilities.
















Current ratio of ICICI is higher than SBI and PNB, means ICICI has a high ability to pay for its liabilities, and than secondly comes SBI and PNB has a low ability to pay for liabilities in comparison with ICICI and PNB.

It is also known as the "Acid Test" ratio; it is a refinement of the current ratio and is a more conservative measure of liquidity. The ratio expresses the degree to which your current Company's current liabilities are covered by the most liquid current assets. Generally, any value of less than 1 to 1 implies a "dependency" on inventory or other current assets to liquidate short-term debt. It is calculated as Cash plus trade receivables divided by total current liabilities. RATIO AT 31ST MARCH-2011 Sr.No 1. 2. 3. NAME OF BANK SBI ICICI PNB PERCENTAGE % 6.15% 6.42% 9.40% 42.


PNB has a high quick ratio means it has enough current assets to cover its current liabilities, while SBI and ICICI have a low quick ratio in comparison with PNB.

The amount of earnings paid out in dividends to shareholders. Investors can use the payout ratio to determine what companies are doing with their earnings. CALCULATED AS: PAYOUT RATIO = DIVIDEND PER SHARE EARNING PER SHARE FOR EXAMPLE: A very low payout ratio indicates that a company is primarily focused on retaining its earnings rather than paying out dividends. The payout ratio also indicates how well earnings support the dividend payments: the lower the ratio, the more secure the dividend because smaller dividends are easier to pay out than larger dividends.

















 INTERPRETATION: ICICI has a high dividend payout ratio, so the Investors who are seeking high current income and limited capital growth should be invest in ICICI bank. PNB and SBI have a low dividend payout ratio, so investors who are seeking capital growth should be invest in PNB and SBI because capital gains are taxed at a lower rate. 44.

 EARNING RETENTION RATIO: NET INCOME-DIVIDEND NET INCOME It can also be calculated as one minus the dividend payout ratio. RATIO AT 31ST MARCH-2011 Sr.No 1. 2. 3. NAME OF BANK SBI ICICI PNB BAR-GRAPH PERCENTAGE % 77.33% 66.35% 76.59%

Earning retention ratio is the opposite of the dividend payout ratio. SBI and PNB have a high earning retention ratio, so the Investors who are seeking high current income and limited capital growth should be invest in SBI and PNB. ICICI has a low earning retention ratio, so the investors who are seeking capital growth should be invest in ICICI BANK. 45.

1.) What skills and qualifications you think that you have gained from the internship? ANS: According to me your mind setup is good when you join internship program means Whatever you learned catch every thing fast.  Gain valuable work experience.  Have an edge in Job Market.  Transition into a Job.  Decide for Right Career.  Build Networking Opportunities.  Always Motivate your self and Increase your Confidence Level. 2.) What kind of responsibilities you have undertaken during the internship period? ANS: I come sharp 11 am in morning and go 5 pm evening, within that time I handle some work of DPC Manager computer, after some time they told me how you handle the Customer to aware of the New product launched in markets how we provide services to consumer. These internship is amazing because I aware all 15 cabin in SBI What they are doing and to analyze how they work and deals with different type of custom Come. In between them they guide me look how bank can work and our responsibility to Do work fast and customer fully satisfied 3.) How do you think the internship will influence your future career plans? ANS: Internship Program is a realise how work is going on „corporate‟. These internship ia a great opportunities to learned new topic and work of experience people. According to Future aspects, when you join Real world business these internship is benefits 46.

For us: Internship is generally short –term. So you can test your future career without committing and find out if it is a career that will satisfy you internship is a great way to meet people in your filled even if you have experience knowing people never hurts.An allow you to meet people who might helps you land a job later in future and also give you some contact in industry. EXAMPLE: Some time employee doing internship in same organisation as prospective employee may finish their internships and continues working with the company fully time. 4.) How do you think the internship activities that you carried out are correlated with your classroom knowledge? ANS: An internship can be see as the Pinnacle of your undergraduate education and give you the chance to use the skill you have learned in the classroom in a real world setting. It‟s chance to prove the worth of your qualification and show that you can perform in the role you have been given.


 Ratios make the related information comparable. A single figure by itself has no meaning, but when expressed in terms of a related figure, it yields significant interferences. Thus, ratios are relative figures reflecting the relationship between related variables. Their use as tools of financial analysis involves their comparison as single ratios, like absolute figures, are not of much use.  Ratio analysis has a major significance in analysing the financial performance of a company over a period of time. Decisions affecting product prices, per unit costs, volume or efficiency have an impact on the profit margin or turnover ratios of a company.  Financial ratios are essentially concerned with the identification of significant accounting data relationships, which give the decision-maker insights into the financial performance of a company.  The analysis of financial statements is a process of evaluating the relationship between component parts of financial statements to obtain a better understanding of the firm‟s position and performance.  The first task of financial analyst is to select the information relevant to the decision under consideration from the total information contained in the financial statements. The second step is to arrange the information in a way to highlight significant relationships. The final step is interpretation and drawing of inferences and conclusions. In brief, financial analysis is the process of selection, relation and evaluation.  Ratio analysis in view of its several limitations should be considered only as a tool for analysis rather than as an end in itself. The reliability and significance attached to ratios will largely hinge upon the quality of data on which they are based. They are as good or as bad as the data itself. Nevertheless, they are an important tool of financial analysis.


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Bank staff should be customer friendly and highly motivated to serve the normal customer. As far as possible, banks should reduce its documentation process while providing loans. Computerization should be done in banks at all level and the operators should be properly trained.

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Token system should be induced so as to minimize the waiting lines in the banks. Proper ambience in the banks can develop a healthy working culture. Quick services should be provided. More ATM coverage should be provided for the convenience of the customers. SBI & PNB customer care should more concern about the fatest settlement of customer problems. ICICI bank is already doing her job.

Before deducting or charging any monetary charge SBI and ICICI must consult with customer.

Agents should be trained well educated and proper trained to convenience the people about different products.

It is the duty of the bank to disclose all the material facts regarding product and services, ROI repayments period and any type of charges.

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Special scheme should be implemented to encourage customer and agents. Bank focus on segmentation based on customer knowledge. Bank must take feedback to the customer.


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 “Basic Financial Management”--- M Y KHAN P K Jain  Financial Management --- Prasanna Chandra I M Pandey



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