Study on BANKING SECTOR and DIVYA KARDA

143 Presented to :-
ICICI BANK
Dr. SWATI SINGH
 BANKING
BANKINGSECTOR
SECTOR

Surplus Money- Deposit in Bank

DEPOSITS Give Interest at lower rate

Bank’s revenue = Interest Charged – Interest Earned

BANKING Charge Interest at Higher Rate

LOANS
It is service
Wanted Money – Borrow from Bank
industry
Major
MajorPlayers
Players Government
GovernmentRegulations
Regulations

Banking Regulation Act, 1949

Reserve Bank of India Act, 1934

Initiatives by Government
 About the Company- ICICI BANK
About the Company- ICICI BANK
VISION:
PRODUCTS & SERVICES:
 To be exceptional in all the services we are
providing. → Current Account
 To ensure sustainable growth of India by → Saving Account
providing cost effective resources. → Recurring Deposits
→ Loans & Mortgage
→ Time Deposits
MISSION: → Credit / Debit Cards
→ Lockers
 Create more value for our stakeholders. → Prepaid Cards
→ Digital Wallet
 To provide top services to our customers. → Online Money Transfer
 Research
Researchon
onChallenges
ChallengesFaced
Facedby
byCompany
Company
RATIO ANALYSIS:
PROBLEM
IDENTIFICATION: → Earning Per Share = (PAT – Pref. Dividend) / No. of Equity Shares
 To analyze performance
of bank through ratio
→ Net Profit Margin = Net Profit / Sales
analysis
→ Return on Assets = Net Income / Total
 ICICI bank is getting
tough competition from → Return on Capital Employed = EBIT / Capital
other banks in Industry

→ Return on Net Worth = Net Income / Shareholders Equity

→ Price to Earning Ratio = Earning Per Share / Market Value Per Share

→ CASA Ratio = CASA Deposit / Total Deposit

 Results Limitations
Limitations
Results
 Difficulty in Data Collection.
 Total Deposit
 To determine the financial position of the company, ratio analysis
Increased by 22.1%. is not the only factor to be considered while study.
 ICICI bank is getting tough competition from other banks in
Industry
 Earning Per Share is
Increasing year on Future
year. FutureScope
Scope

 For Further Research, detail study can be done by applying other

financial tools like ANNOVA.
 The Number of Sample Companies can be increased as well as
data can be increased by adding time series.