Capstone Project On Banking.

Chapter: 1
INTRODUCTION
1.1 Background of CP:
Capstone project is included in the curriculum for making the students aware about the working of the industry and correlating the theoretical concepts that we have studied in BBA. It is an effort to know how the theoretical concepts are really applicable in the industries. In our project we will try to find how the companies through the market research make the required changes in the services and how the acceptance of the services increases, The project is based on the data that is been collected from different sources and a primary survey is conducted to support the project findings. The topic on which this project is based relates the customer satisfaction towards the basic requirements of the customers. We have covered our objective as customer behavior from the services they used from different banks. This project consists market research values of the similar services in existing market
1.2 Rational of the study:
Capstone project is about managing the resources to collect the consumers review towards the services they used from banks here at Gandhinagar.The study is all about what the common people prefers the most and their satisfaction and dissatisfaction from such competitive banks available and their behavior on the retail service from different banks.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 1
Our project aims at gain the information which of the services most people prefer. This project targets all the people in the society viz. rich people, middle class and poor people. As a part of our business management study students we are required to make familiar with the corporate field competition there in and why and how certain banks dominating the market. By visiting personally banks and approaching the customers i.e. actual users of the service we will try to find the answers to these questions. Survey carried out by us the management students will definitely help to sharp knowledge for the subject chosen by us as well as assists market research. Eventually if required during the actual job when assigned for survey in the market we can easily draft our findings by such previous experience. Whenever we are in job we will be able to direct the management by analyzing survey data to increase sell of certain services. Data collected by the survey is much more essential to form strong platform for services in the market. By personal meeting with the actual users we could know people preference for certain branded outlets services. We will try to find out about the choice of the people as well as what they are thinking about the services. These services having perishable life, prompt decision is much more essential for collection and disposal thereof, otherwise clients would be dissatisfied having nearest expiry. Each and every service in market is required to be based on quality control. By this study, we will try to find out what kinds of services arechosen by customers. These findings would be helpful for managers, market researchers and consultants for future plans and projects.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI
Research and Methodology:
1.3 OBJECTIVE:
To get knowledge about banking industry The major players in private and public sector. Analysis of different ratios of each private and public bank. (Indian bank, SBI, ICICI,AXIS) Our objective is to make comparative study of financial performance of Private and Public sector Bank.
1.4 METODOLOGY:
The traditional set of ratios like Gross Profit Ratio , Stock Turnover Ratio , Debtors Ratio , Net Profit Ratio , Credit Ratio etc. are considered to study the Financial Performance of Banks. We have tried to study the performance of banks by applying C.A.M.E.L. Model. This model analyses the banks various parameters like Capital Adequacy, Asset Quality, Management, Earnings and Liquidity. A different sets of ratios under C.A.M.E.L. model have been used.
1.5 Chapterlization skills

Ch-1 Introduction
The first chapter of this project is Introduction about the banking sector both public sector and private sector also include the back ground of cp, Rational study. We also maintion the objective of the Capstone project and how many data sources and methodology are available and also show the history of the modern banking in india.
Ch-2 Structure of banking system

The second Chapter about the Structure of Banking System in India. Include of RBI, schedule bank ,non schedule bank etc. and banking system like public sector, private sector bank. Include all of all four Banks , branches, service, key data, other services, chenal etc.
Ch-3 C.A.M.L Modal

This chapter is about the C.A.M.E.L model is include the overall financial condition of a bank and also ability of the management to need for additional capital C.A.M.E.L Modal Include the capital Adequancy , Assets Quality management , earning , liquidity.
Ch-4 Ratio anaylisis

In this chapter we have to ratio analysis of performance of business on C.A.M.E.L modal include of the advances to Assets ratio , total investment to total assets ratio etc. and compare to all four banking in both sector.
Ch-5 Findings
Findings chapter include the capital adequancy ratio , assets quality parameter, management efficiency parameter, liquidity parameter ,erning they all are include and look position of all four banks in the different stage.
Ch-6 Conclusion
In the Conclusion we have to analyzed the Report of all the four banks. State bank of india, Bank of india , ICICI , Axis bank . from that analysis we wish to conclude that all four Banks competitive of each other.
Ch-7 Bibliography
In the last this chapter we have include and write the name of the books for the helps of this project and also write the website name and other sources of the data collation for help full this banking project.
1.6 Limitations:
Because of shortage of time, we could not get all information of

every bank.
It was too much critical to get information from bank customers.
Introduction To Banking Sector
History of Modern Banking in India:
In the first half of the nineteenth century, the east India Company established three banks. The bank of Bengal in 1809, the bank of Bombay in 1840, and the bank of Madras in 1843, these three banks, also known as presidency banks were subsequently amalgamated and the imperial bank of India was established in 1921. The Imperial Bank of India was nationalized in 1955 by the State Bank.
Definition of Bank:
The oxford Dictionary defines a bank as an establishment for the custody of money, which it pays out on a customers order. Since it ignores the most important function of a bank is of creating money or creating credit. We can define bank as an institution whose debts (bank deposits) are widely accepted in settlement of other peoples debts to each other. The bankers business is then, to take debts of other people to offer his own in exchange and thereby to create money. The Banking Companies act, 1949 as one which transacts the business of banking which means the accepting , for the purpose of lending or investment, of deposits of money from public, repayable on demand or otherwise and withdraw able by cheque, draft, order, or otherwise.
Chapter - 2
Structure of banking system in India:
Reserve Bank of India
Scheduled Bank
Non-Scheduled Bank
State CoOperative Bank
Commercial Bank
Central Co-operative Banks & Primary Credit Societies
Commercial Bank
Foreign Bank
Indian Bank
Private Sector Bank
Public Sector Bank
Other Nationalized Bank
Regional Rural Bank
SBI and Subsidiaries Banks
Banking system:
1. Public sector Bank:
Banking system in India is dominated by nationalized banks. The nationalization of 14 privately owned banks in India took place on 19th of July 1969 by Mrs. Indira Gandhi the then prime minister, with an another installment of nationalization of 6 banks on 15.04.1980. The major objective of nationalization was to ensure mass banking as against class banking infrastructure. Prior to 1969, State Bank of India (SBI) was the only public sector bank in India. SBI was nationalized in 1955 under the SBI Act of 1955.
The following are some public sector banks in India

Bank of Baroda Bank of India Canara Bank Central bank of India Dena Bank Punjab national Bank State Bank of India Union bank of India Vijaya Bank etc.
2. Private sector Bank:

Prior to nationalization, Banks in India with the sole exception of state bank of India were in private hands with community and trade orientation. Nationalization of 14 banks in the year 1969 and another set of 6 banks in the year 1980 reduced the importance of private sector bank and public sector banks started playing a major role in the banking services. With history repeating itself, private sector banking got fillip with the government of India relaxing the condition for opening of private sector banks in the year 1994, as a part of their liberalization programmed. Housing development Finance Corporation Limited (HDFC) was amongst the first to receive an in principle approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. As on 31st of March 2005, there are 30 private sector banks operating in the country. Reserve Bank of India has come out on clear-cut terms their guideline on ownership and governance in private sector banks like private sector must maintain a net worth of Rs.300 crores at all times.
The following are some of the private sector banks in India

Federal Bank HDFC Bank ICICI Bank Axis Bank HSBC Bank etc.
The roots of the State Bank of India rest in the first decade of 19th century, when the Bank of Calcutta, later renamed the Bank of Bengal, was established on 2 June 1806. The Bank of Bengal and two other Presidency banks, namely, the Bank of Bombay (incorporated on 15 April 1840) and the Bank of Madras (incorporated on 1 July 1843). These three banks received the exclusive right to issue paper currency in 1861 with the Paper Currency Act, a right they retained until the formation of the Reserve Bank of India.
The Presidency banks amalgamated on 27 January 1921, and the reorganized banking entity took as its name Imperial Bank of India. The Imperial Bank of India continued to remain a joint stock company. Pursuant to the provisions of the State Bank of India Act (1955), the Reserve Bank of India, which is India's central bank, acquired a controlling interest in the Imperial Bank of India. On 30 April 1955 the Imperial Bank of India became the State Bank of India. The Govt. of India recently acquired the Reserve Bank of India's stake in SBI so as to remove any conflict of interest because the RBI is the country's banking regulatory authority. On Sept 13, 2008, State Bank of Saurashtra, one of its Associate Banks, merged with State Bank of India.
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SBI has acquired local banks in rescues. For instance, in 1985, it acquired Bank of Cochin in Kerala, which had 120 branches. SBI was the acquirer as its affiliate, State Bank of Travancore, already had an extensive network in Kerala.
Growth:
In recent years, the bank has sought to expand its overseas operations by buying foreign banks. It [SBI] is the only Indian bank to feature in the top 100 world banks in the Fortune Global 500 rating and various other rankings.
Group companies

SBI Capital Markets Ltd SBI Mutual Fund (A Trust) SBI Cards and Payment Services Pvt. Ltd SBI Funds Management Pvt. Ltd SBI Canada etc.
Branches
The corporate center of SBI is located in Mumbai. In order to cater to different functions, there are several other establishments in and outside Mumbai. The bank boasts of having as many as 14 local head offices and 57 Zonal Offices, located at major cities throughout India. It is recorded that SBI has about 10000 branches, well networked to cater to its customers throughout India.
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ATM Services
SBI provides easy access to money to its customers through more than 8500 ATMs in India. The Bank also facilitates the free transaction of money at the ATMs of State Bank Group, which includes the ATMs of State Bank of India as well as the Associate Banks State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Indore, etc. You may also transact money through SBI Commercial and International Bank Ltd by using the State Bank ATM-cum-Debit (Cash Plus) card.
Subsidiaries
The State Bank Group includes a network of eight banking subsidiaries and several non-banking subsidiaries. Through the establishments, it offers various services including merchant banking services, fund management, factoring services, primary dealership in government securities, credit cards and insurance.
The subsidiaries Banks are as follows:

State Bank of Bikaner and Jaipur (SBBJ) State Bank of Hyderabad (SBH) State Bank of India (SBI) State Bank of Indore (SBIR) State Bank of Mysore (SBM) State Bank of Saurashtra (SBS) etc.
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Personal Banking

SBI Term Deposits, SBI Loan For Pensioners SBI Housing Loan Against Shares & Debentures SBI Car Loan SBI Educational Loan etc.
Other Services

Agriculture/Rural Banking NRI Services ATM Services Corporate Banking Internet Banking Mobile Banking International Banking Safe Deposit Locker Gift Cheque etc.
International presence
http://en.wikipedia.org/wiki/File:SBImumbai.jpgState
Bank of India (SBI)
Mumbai, Main Branch is India's largestbank, in Mumbai. The government of India is the largest shareholder in SBI. The bank has 141 overseas offices spread over 32 countries as on 31st Dec 2009. It has branches of the parent in Colombo, Dhaka, Hong Kong, Johannesburg, London and environs, Los Angeles, Muscat, New York, Osaka, Sydney and Tokyo.
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Key Dates
1806:
The
Bank
of
Calcutta
is
established
as
the
first
Western-type bank.
1809: The bank receives a charter from the imperial and changes its name to Bank of Bengal.
government
1840: A sister bank, Bank of Bombay, is formed. 1843: Another sister bank is formed: Bank of Madras, which, together with Bank of Bengal and Bank of Bombay become known as the presidency banks, which had the right to issue currency in their regions.
1861: The Presidency Banks Act takes away currency issuing privileges but offers incentives to begin rapid expansion, and the three banks open nearly 50 branches among them by the mid-1870s.
1876: The creation of Central Treasuries ends the expansion phase of the presidency banks.
1921: The presidency banks are merged to form a single entity, Imperial Bank of India.
1955: The nationalization of Imperial Bank of India results in the formation of the State Bank of India, which then becomes a primary factor behind the country's industrial, agricultural, development. and rural
1969: The Indian government establishes a monopoly over the banking sector.
1972: SBI begins offering merchant banking services. 1986: SBI Capital Markets is created. 1995: SBI Commercial and International Bank Ltd. are launched as part of SBI's stepped-up international banking operations.
1998: SBI launches credit cards in partnership with GE Capital. 2002: SBI networks 3,000 branches in a massive technology implementation.
2004: A networking effort reaches 4,000 branches.
Bank of India was founded on September 7, 1906 by a group of eminent businessmen from Mumbai. In July 1969 Bank of India was nationalized along with 13 other banks. Beginning with a paid-up capital of Rs.50 lakhs and 50 employees, the Bank has made a rapid growth over the years. Presently, Bank of India has 2609 branches in India spread over all states union territories including 93 specialized branches. These branches are controlled through 48 Zonal Office. The Bank has been the first among the nationalized banks to establish a fully computerized branch and ATM facility at the Mahalaxmi Branch at Mumbai in 1989. Bank of India was the first Indian Bank to open a branch outside the country, at London, in 1946, and also the first to open a branch in Europe, Paris in 1974. Bank of India is one of the nation's largest public banks. The bank has around 2,900 branches in India and about 30 foreign offices in the Channel Islands, China, France, Hong Kong, Indonesia, Japan, Kenya, Singapore, the UK, US, West Indies, and Vietnam. International operations account for about 20% of the bank's business.
Besides savings, checking, credit cards, and ATM services, the bank offers personal loan services including mortgage, car, and vacation loans. The bank's branches specialize in different areas: corporate banking (credit) overseas branches (foreign exchange), NRI offices (expat Indians). Other branches offer capital markets operations, asset recovery, and agriculture and lease financing. Government-owned since nationalization in 1969, it is one of India's leading banks, with about 3097 branches including 27 branches outside India. BOI is a founder member of SWIFT (Society for Worldwide Inter Bank Financial Telecommunications) in India which facilitates provision of cost-effective financial processing and communication services.
Bank of India
Type Founded Headquarter Industry Public Bank (BSE: BOI) 1906 Mumbai, India Financial
History
Previous banks that used the name Bank of India, At least three banks having the name Bank of India had preceded the setting up of the present Bank of India. 1. A person named Ramakrishna Dutt set up the first Bank of India in Calcutta (now Kolkata) in 1828, but nothing more is known about this bank.
2. The second Bank of India was incorporated in London in the year 1836 as an Anglo-Indian bank. 3. The third bank named Bank of India was registered in Bombay (now Mumbai) in the year 1864.
The current bank

The earlier holders of the Bank of India name had failed and were no longer in existence by the time a diverse group of Hindus, Muslims, Paresis, and Jews helped establish the present Bank of India in 1906. The promoters incorporated the Bank of India on 7 September 1906 under Act VI of 1882 with an authorized capital of Rs. 1 crore divided into 100,000 shares each of Rs. 100. The promoters placed 55,000 shares privately, and issued 45,000 to the public by way of IPO on 3 October 1906; the bank commenced operations on 1 November 1906. The lead promoter of the Bank of India was Sir Sassoon J. David (1849-1926). He was a member of the community of Baghdadi Jews, which was notable for its history of social service and included the Sassoon. He was a prudent banker, and remained the Chief Executive of the bank from its founding in 1906 until his death in 1926.
Key Dates
1906: Founded with Head Office in Mumbai. 1921: BOI entered into an agreement with the Bombay Stock Exchange to manage its clearing house.
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1946: BOI opened a branch in London, the first Indian bank to do so. This was also the first post-WWII overseas branch of any Indian bank.
1950: BOI opened branches in Tokyo and Osaka. 1951: BOI opened a branch in Singapore. 1953: BOI opened a branch in Kenya and another in Uganda. 1953 or 54: BOI opened a branch in Aden. 1955: BOI opened a branch in Tanganyika. 1960: BOI opened a branch in Hong Kong. 1962: BOI opened a branch in Nigeria. 1967: The Government of Tanzania nationalized BOI operations in Tanzania and folded them into the government-owned National Commercial Bank, together with those of Bank of Baroda and several other foreign banks.
1969: The Government of India nationalized the 14 top banks, including Bank of India. In the same year, the People's Democratic Republic of Yemen nationalized BOI branch in Aden, and the Nigerian and Ugandan governments forced BOI to incorporate its branches in those countries.
1970: National Bank of Southern Yemen incorporated BOI branch in Yemen, together with those of all the other banks in the country; this is now National Bank of Yemen. BOI was the only Indian bank in the country.
1972: BOI sold its Uganda operation to Bank of Baroda. 1973: BOI opened a rep in Jakarta. 1974: BOI opened a branch in Paris. This was the first branch of an Indian bank in Europe.
1976: The Nigerian government acquired 60% of the shares in Bank of India (Nigeria).
1978: BOI opened a branch in New York. 1970s: BOI opened an agency in San Francisco. 1980: Bank of India (Nigeria) Ltd, changed its name to Allied Bank of Nigeria.
1986: BOI acquired Palavers Central Bank (Karur Central Bank or Parur Central Bank) in Kerala in a rescue.
1987: BOI took over the three UK branches of Central Bank of India (CBI). CBI had been caught up in the Sethia fraud and default and the Reserve Bank of India required it to transfer its branches.
2003: BOI opened a representative office in Shenzhen. 2005: BOI opened a representative office in Vietnam. 2006: BOI plans to upgrade the Shenzhen and Vietnam representative offices to branches, and to open representative offices in Beijing, Doha, and Johannesburg. In addition, BOI plans to establish a branch in Antwerp and a subsidiary in Dar-esSalaam, marking its return to Tanzania after 37 years.
2007: BOI acquired 76 percent of Indonesia-based PT Bank Swadesi.
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ICICI currently has subsidiaries in the UK, Russia, Canada, Singapore, Dubai, etc. ICICI Bank, with market capitalization of about Rs. 480.00 billion, ranked third amongst all the companies listed on the Indian stock exchanges in June 2006.
Overview
ICICI Bank is Indias second largest bank with total assets of Rs. 3363.74 billion at September 30, 2009. The Bank has a network of 1590 branches and about 4883 ATMs in India and presence in 18 countries.
History
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary. ICICI was formed in 1955 at the initiative of the World Bank, the government of India and representatives of Indian industry. The principal objective was to create a development financial institution for providing medium-term and long-term project financing to Indian businesses. In the 1990s, ICICI transformed its business from a development financial institution offering to a diversified financial services group offering. In 1999, ICICI become the first Indian company and the first
bank or financial institution from non-Japan Asia to be listed on the NYSE. In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI. The merger was approved by the High Court of Gujarat at Ahmadabad in March 2002, by the High Court of Judicature at Mumbai and the Reserve Bank of India in April 2002. In the year 2000, ICICI Bank offered made an equity offering in the form of ADRs on the NEW YORK Stock Exchange (NYSE), there by becoming the first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the NYSE. ICICI Bank is the largest private sector bank in India in terms of market capitalization. It is also the second largest bank in India in
terms of assets with a total asset. ICICI Bank has an extensive network of 1544 branches with about 4816 ATMs located across India and in 18 other countries. It is considered as one of the Big Four Bank in India along with State Bank of India, HDFC Bank and Axis Bank. ICICI Bank provides a wide banking products and financial services like investment banking, venture capital, life and non-life insurance and asset management. This bank is also Indias largest credit card issuer.
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Subsidiaries and Branches
ICICI Bank has branches and subsidiaries in following countries:
United Kingdom Russia Canada United States Singapore Hong Kong Sri Lanka Dubai Chinaetc.
Channels
ICICI Bank has the following channels through which it offers its products and services to its customers.

Braches ATMs Internet Banking Mobile Banking
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Products and Services
ICICI Bank offers Deposits, Loans, Cards, Investment, Insurance, NRI Services and Online Services etc.
Deposits
Following deposits are offered:

Saving Account Special Saving Account Fixed Deposits Child Education plan Salary Account Resident Foreign Currency Account
Loans
ICICI Bank offers following loan facilities:

Home Loans Personal Loan Car Loans Commercial Vehicle Loans Loan Against Gold Ornament
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Cards
ICICI Bank is Indias largest issuer of credit cards.
Consumer cards
1) Credit cards 2) Travel Cards 3) Debit Cards
Commercial Cards
1) Corporate Cards 2) Prepaid Cards 3) Purchase Cards 4) Distribution Cards 5) Business Cards
Merchant services Investments
ICICI Bank facilitates a range of investment products including: ICICI Bank Tax Saving Bonds Mutual Fund Government of India Bonds
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Initial Public Offers by corporate Foreign Exchange Services ICICI Bank Pure Gold Senior Citizens Saving Scheme, 2004
Insurance
ICICI Bank offers various types of insurance:
Home Insurance
1) Health Insurance 2) Health Advantage Plus 3) Family Floater 4) Personal Accident
Travel Insurance
1) Individual Overseas Travel Insurance 2) Student Medical Insurance
Motor Insurance
1) Car Insurance 2) Two wheeler Insurance
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Life Insurance
1) ICICI Prudential Life Time Gold 2) ICICI Prudential Life State RP
Branches & ATMs
ICICI Bank has a wide network both in India and abroad. ICICI Bank has made its presence felt in 18 countries-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 Bank proudly holds its subsidiaries in the United Kingdom, Russia and Canada out of which, the UK subsidiary has established branches in Belgium and Germany.
Personal Banking
Deposits Loans Cars Investments Insurance
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Axis Bank was the first of the new private banks to have begun operations in 1994, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the specified undertaking of the Unit Trust of India (UTI I), Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and other four PSU insurance companies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The Bank's Registered Office is at Ahmadabad and its Central Office is located at Mumbai. The Bank has a very wide network of more than 905 branches and Extension Counters (as on 30th September 2009). The Bank has a network of over 3894 ATMs (as on 30th September 2009) providing 24 hrs a day banking convenience to its customers. This is one of the largest ATM networks in the country. 1993 The Bank was incorporated on 3rd December and Certificate of Business. 1997 The Bank obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as `Trustee to Debenture Holders'. Rupees 100 crores was contributed by UTI, the rest from LIC Rs 7.5crores, GIC and its four subsidiaries Rs 1.5 crores each.
1998
The Bank has 28 branches in urban and semi urban areas as on 31st July. All the branches are fully computerized and networked
through VSAT. ATM services are available in 27 branches. The company offers ATM cards, using which account-holders can withdraw money from any of the bank's ATMs across the country which is inter-connected by VSAT. UTI Bank has launched a new retail product with operational Flexibility for its customers.UTI Bank promoted by India's pioneer mutual fund Unit Trust of India along with LIC, GIC and its four subsidiaries.
1999
UTI Bank and Citibank have launched an international cobranded Credit card.
UTI Bank and Citibank have come together to launch an international Co-branded credit card under the MasterCard umbrella.
2000 The Bank has announced the launch of Tele-Depository Services for its depository clients. UTI Bank has launch of `I Connect', its Internet banking Product. UTI Bank has signed a memorandum of understanding with equitymaster.com for e-broking activities of the site.
India bulls have signed a memorandum of understanding with UTI Bank. UTI Bank has entered into an agreement with Stock Holding Corporation of India.
2001
UTI Bank launched a private placement of non-convertible debentures to rise up to Rs 75 crore. UTI Bank has opened two offsite ATMs and one extension counter with an ATM in Mangalore, taking its total number of ATMs across the country to 355.
2002
UTI Bank Ltd has informed BSE that Shri B R Bar wale has resigned as a Director of the Bank w.e.f. January 02, 2002. A C Shah, former chairman of Bank of Baroda, also retired from the banks board in the third quarter of last year. His place continues to be vacant. M Damodaran took over as the director of the board after taking in the reins of UTI. B S Pundit has also joined the banks board subsequent to the retirement of K G Vassal.
UTI Bank Ltd has informed that on laying down the office of Chairman of LIC on being appointed as Chairman of SEBI, Shri G N Bajpai, Nominee Director of LIC has resigned as a Director of the Bank.
2002
UTI Bank Ltd has informed BSE that a meeting of the Board of Directors of the Bank is scheduled to be held on October 24, 2002 to Consider and take on record the unaudited half yearly/quarterly Financial results of the Bank for the half year/Quarter ended September 30, 2002.
2003
UTI Bank Ltd has informed BSE that at the meeting of the Board of Directors of the company held on January 16, 2003, Shri R N Bharadwaj, Managing Director of LIC has been appointed as an Additional Director of the Bank with immediate effect.
UTI has been authorized to launch 16 ATMs on the Western Railway Stations of Mumbai Division. UTI Bank ties up with UK govt. fund for contract farming
2004
UTI Bank opens new branch in Udupi. UTI Bank, Geojit in pact for trading platform in Qatar. UTI Bank ties up with Shriram Group Cos
UTI
Bank
installs
ATM
in
Thiruvananthapura.
Launches
`Remittance Card' in association with Remit2India, a Website offering money-transfer services
2005
UTI Bank enters into a banc assurance partnership with Bajaj Allianz General for selling general insurance products through its branch network.
UTI Bank launches its first Satellite Retail Assets Centre (SRAC) in Karnataka at Mangalore.
2006
UBL sets up branch in Jaipur
UTI Bank unveils priority banking loung
Traditional set of Ratios like turn over, liquidity, current, ratios are not implied for the study of performance of banks so, we use C.A.M.E.L model. This model is recommended by Padmanabhan Committee (1995)
Appointed by RBI in 1995 to suggest changes in the approach and style of inspection and follow up by the Central Bank, under the chairmanship of S. padmanabhan (Former Chairman of Indian Overseas Bank). Recommendations are yet to be accepted by RBI. The major recommendations are:
Ongoing supervision: Shift from current system of periodical inspection to ongoing or continuous supervision.
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CAMEL Rating Model:
1) Each Bank should be raised on a five score scale A to E indicating in descending order the soundness and strength of the bank.
2) For Indian banks the rating will be based on five parameters (C.A.M.E.L.)
Capital Adequacy Asset Quality Management Earnings Liquidity Periodicity of supervision should be discriminatory based on banks rating.
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Chapter:3
C.A.M.E.L. MODEL
All the banks were first individually ranked based on the subparameters of each parameter. The sum of these ranks was then to arrive at the Group Average of individual banks for each parameter. Finally, the composite rankings for banks were arrived at after computing the average of these group averages. Banks were ranked in the ascending/descending order based on the individual sub-parameters.
1.1 Capital Adequacy
Capital Adequacy indicates the overall financial condition of a bank and also the ability of the Management to meet the need for additional capital. Capital Adequacy Ratio:
Capital Adequacy Ratio reflects the ability of a bank to deal with probable loan defaults. As per the latest RBI norms, banks in India should have a CAR of 9%. It is arrived at by dividing the Tier 1 and Tier 2 capital by risk-weighted assets. Tier1 capital includes equity
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capital and free reserves. Tier 2 capital comprises sub-ordinate debt of 5-7 year. The higher the CAR means the stronger the bank.
Debt-Equity Ratio:
Debt-Equity Ratio is arrived at by dividing the total borrowings and deposits by its shareholders, which includes equity capital and reserves and surpluses.
Advances to Assets Ratio:

This is the ratio of the Total Advances to Total Assets. Total Advances also include receivables. The value of Total Assets excludes the revaluation of all the assets.
Govt.-securities to Total Investment Ratio:

This ratio shows the risk involved in a banks investment. Since Govt.- securities are risks free, the higher the Govt.-securities to Investment ratio, the lower the risk involved in a banks investment. It is arrived at by dividing the amount invested in government securities by total investments.
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1.2 Asset Quality
The prime motto behind measuring the assets quality is to ascertain the component of non-performing assets as a percentage of the total assets. In addition, the parameter also ascertains the NPA movement and the amount locked up in investments as a percentage of the total assets.
Net NPAs to Total Assets Ratio:

It is a measure of the quality of assets in a situation where the management has not provided for loss on NPAs. Here, the Net NPAs are measured as a percentage of the Total Assets. The lower the ratio means the better quality of advances. Net NPAs to Total Advances Ratio:
Net NPAs are gross NPAs net of provisions on NPAs and suspense account. In this ratio, Net NPAs are measured as a percentage of Net advances.
Total Investment to Total Assets Ratio:

This ratio is used as a tool to measure the percentage of total assets locked up in investment, which by conventional definition, doesnt form part of the core income of a bank. It is arrived at by dividing total investments by total assets.
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1.3 Management
The Indian banking industry, An Independence and Autonomous watch dog to monitor and ensure that the Banking Codes and Standards
adopted by the bank are adhered to in true spirit while delivering their services. The Banking Codes and Standards board of India has been registered as a separate Society under the Societies Registration Act, 1860. The Banking Codes and Standards Board of India is not a Department of the RBI. Reserve Bank of India has agreed to lend it financial support for a limited period. It is an independent Banking industry watch dog to ensure that the consumer of banking services get what they are promised by the bank.
1.4 Earnings
To measure the efficiency of the management, we have used parameters like profit per branch, business per employee and advances to deposits. Total Advances to Total Deposits Ratio:
This ratio measures the efficiency of the management in converting the deposits available with the bank [excluding other funds like equity capital, etc.] into advances. Total deposits include demand deposits, saving deposits, term deposits and deposits of other banks. Total advances also include receivables.
Profit per Employee Ratio:

This measures the efficiency of the employee at the branch level. It also gives valuable inputs to assess the real strength of a banks branch network. It is arrived at by dividing the net profit of the bank by total number of branches. The higher the ratio means higher the efficiency of the management. However, it is advisable to look at the number of branches too, as a bank with fewer branches can get higher ranking despite earning a lower net profit. Business per Employee Ratio:
This tool measures the efficiency of all the employees of a bank in generating the business for the bank. It is arrived at by dividing the total business by the total number of employees. By business we mean the sum of Total Advances and Total Deposits in a particular year.
Return on Net worth Ratio:
It is a measure of the profitability of a bank. Here, PAT is expressed as a percentage of Average Net worth.
Earning Quality:
This parameter gains importance in the light of the argument that much of a banks income is earned through non core activities like investment, treasure operations, corporate advisory services and so on.
Here, we try to assess the quality of income of a bank in terms of income of a bank in terms of income generated by core activity income from lending operation.
Operating Profit by Average working Funds Ratio:

This is arrived at by dividing the operating profit by average working funds, working funds or the daily average of the total assets during the year. Net Profit/Average Assets Ratio:
This ratio measures return on assets employed or the efficiency in utilization of the assets. It is arrived at by dividing the Net profit by Average assets, which is the average of the total assets in the current year and previous year.
Interest income/working funds Ratio:

This ratio measures the income from lending operations as a percentage of the working funds in a particular year. Interest income includes income on advances, interest on deposits with RBI, and dividend income. Non-interest income/working funds Ratio:
This ratio measures the income from operations other than lending as a percentage of working funds. Non-interest income is the
interest income earned by the banks excluding income on advances and deposits with RBI.
1.5 Liquidity
Liquid Assets/Demand Deposits Ratio: This ratio measures the ability of a bank to meet the demand from demand deposits in a particular year. It is arrived at by dividing liquid assets by total demand deposits. Liquid assets include cash in hand, balance with RBI, balance with other banks [both in India and abroad], and money at call and short notice.
Liquid Assets to Total Deposits Ratio:

This ratio measures the liquidity available to the depositors of a bank. Liquid assets include cash in hand, balance with RBI, balance with other banks [both in India and abroad], and money at call and short notice. Total deposits include demand deposits, saving deposits, term deposits and deposits of other financial institutions.
Liquid Assets/Total Assets Ratio:

Liquid assets include cash in hand, balance with RBI, balance with other banks [both in India and abroad], and money at call and short notice. The ratio is arrived by dividing liquid assets by total assets.
39
Govt. Securities /Total Assets Ratio:

This ratio measures the proportion of risk-free liquid assets invested in govt. securities as a percentage of the assets held by a bank and is arrived at by dividing investment in government securities by total assets.
Approved securities/Total Assets Ratio:

This is arrived at by dividing the total amt. invested in approved securities by total assets. Approved securities are investments made in state-associated bodies like electricity boards, housing boards,
corporation bonds and shares of regional rural banks.
40
Chapter:4 Ratio Analysis of performance of banks on C.A.M.E.L model
Use of geometrical mean

When values are given in the form of percentage for more than one year, we cannot use arithmetical mean for analysis of ratios because arithmetical mean cannot give exact value so it is desirable to use geometrical mean in such situation.
Capital Adequacy
Capital Adequacy reflects the overall financial condition of a bank and also the ability of the management to meet the need for additional capital.
Capital Adequacy Ratio :-
As per the latest RBI norms, Banks in India should have a CAR of 9%. It is arrived at by dividing the Tier I and Tier II capital
by risk weighted assets. Tier- I capital includes equity capital and free reserves. Tier-II capital comprises subordinated debt of 5-7 years tenure. The higher the CAR means the stronger the bank. Capital Adequacy Ratio=Capital (Tier I, II) / Risk Weighted Assets * 100. [Tier I = Equity Capital + Free Reserves] years] [ TierII: Debt of 5-7
Table:-
Bank
04-05
12.45
05-06
11.88
06-07
12.34
07-08
13.54
08-09
12.97
Geometrical Mean
SBI BOI ICICI AXIS
12.62
11.52
10.75
11.75
12.95
13.21
12.34
11.78
13.35
11.69
14.92
15.72
13.61
11.20
12.70
11.57
13.73
13.69
12.38
42
SBI
BOI
ICICI
AXIS
14.00 Geometrical Mean 13.50 13.00 12.50 12.00 11.50 SBI Bank ICICI
CAPITAL ADEQUACY RATIO
CAPITAL ADEQUACY RATIO:-
Capital adequacy ratio indicates the ability of a bank to deal with probable loan defaults. As per latest RBI Norms, Banks of India should have a CAR of 9%.
From the above figure, we can observe that CAR ratios of all the banks are higher than 9%.
43
Considering the figure of CAR ratio, it is evident that the performance of ICICI is best followed by SBI, AXIS and BOI.
Banks SBI BOI ICICI AXIS
Ranks 2 4 1 3
Debt Equity Ratio :Debt Equity Ratio is arrived at by dividing the total borrowings and deposits by shareholders net worth, which includes equity capital and reserves and surpluses.
Debt Equity Ratio= Total Borrowings and Deposits / Shareholders Net Worth. [Shareholders Net Worth = Eq. Capital +Reserves +Surplus]
44
Table:-
Bank
04-05
05-06
06-07
07-08
08-09
Geometrical Mean
SBI BOI ICICI AXIS
19.07 18.99 10.97 21.5
17.32 20.03 9.48 13.91
15.76 21.46 11.42 14.91
10.55 14.84 6.62 10.63
9.27 14.76 5.77 10.00
13.85 16.74 7.96 13.65
SBI
BOI
ICICI
AXIS
18.00 16.00 Geometrical Mean 14.00 12.00 10.00 8.00
6.00
4.00 2.00 0.00 SBI Bank ICICI
DEBT EQUITY RATIO
45
DEBT EQUITY RATIO:-
Lower debt equity ratio is preferable while higher debt-equity ratio is not preferable. From the figure of Geometric Mean of debt-equity ratio of all the four banks, we can see that debt equity ratio of ICICI is the lowest which is preferable while BOI has highest debt-equity ratio which is not desirable.
BANKS SBI BOI ICICI AXIS RANKS 3 4 1 2
Advances to Assets (ADV/AST) Ratio :-
This is the ratio of the Total Advances to Total Assets. It is arrived at by dividing the Total Advances by Total Assets.
Total Advances to Total Assets Ratio=Total Advances / Total Assets. [Total Advances = Advances + Receivables] [Total Assets =Total Assets Revaluation of Assets]
Table:-
Bank
04-05
61.24
05-06
59.23
06-07
58.23
07-08
57.76
08-09
56.25
Geometrical Mean
SBI BOI ICICI AXIS
58.52
65.22
64.28
67.39
68.47
68.71
66.94
54.52
58.14
56.83
56.43
58.00
56.23
36.31
41.34
50.34
54.45
55.00
44.69
SBI
BOI
ICICI
AXIS
70.00 Geometrical Mean 60.00 50.00 40.00 30.00 20.00 10.00 0.00 SBI Bank ICICI
ADVANCES TO ASSETS RATIO

ADVANCES TO ASSETS RATIO:-
An advance to asset ratio is another key factor of the capital adequacy parameter and reflects banks aggressiveness in lending funds. Higher the ratio, banks are more aggressive towards landing funds and vice versa.
Considering the figures of this ratio, we can conclude that BOI has highest ratio which means BOI is more aggressive towards lending funds and Axis bank has lowest ratio which shows that Axis bank is least aggressive towards lending funds among all four banks.
Government
Securities
to
Total
Investments(G-
Secs/INV) Ratio :-
This ratio shows the risk involved in a banks investments. Since government securities are risk-free, the higher the ratio, the lower the risk involved in a banks investments.
It is arrived at by dividing the amount invested in Government Securities by Total Investments. Government Securities
to Total Investment Ratio = Amt. Invested in Govt. Securities / Total
Investment
48
Table:-
Bank 04-05
0.66
05-06 06-07 07-08 08-09

0.70 0.72 0.74 0.82
Geometrical Mean
SBI BOI ICICI AXIS
0.73
0.68
0.69
0.72
0.79
0.81
0.74
0.73
0.75
0.74
0.68
0.62
0.70
0.65
0.53
0.62
0.59
0.60
0.60
SBI
BOI
ICICI
AXIS
0.80 0.70 Geometrical Mean 0.60 0.50 0.40 0.30 0.20 0.10
0.00
SBI Bank ICICI
GOVERNMENT SECURITIES/ TOTAL INCOME RATIO

GOVERNMENT SECURITIES/ TOTAL INCOME RATIO :-
Higher the government securities to total investment ratio, lower risk involved in banks investments. Lower the ratio higher the risk involved in banks investment.
From the figures of this ratio, we can observe that all the banks have almost same ratio on government securities to total investment parameters. Public sector banks top followed by private sector banks. Which implies that investment portfolio of public sector bank is safest and shows least degree of risk.
Assets Quality
The prime motto behind measuring the assets quality is to ascertain the component of non-performing assets as a
percentage of the total assets. In addition, the parameter also ascertains the NPA movement and the amount locked up in investments as a percentage of the total assets.
Net NPAs to Total Assets (NNPAs/TA) Ratio:NPA [Non Performing Assets] = Under RBI guidelines, NPA means amount of interest or principal invested in terms loan for more than 90days.
Net NPAs are measured as a percentage of Total Assets. The lower the ratio means the better the quality of advances. Net NPAs to Total Assets (NNPAs/TA) Ratio = Net NPAs / Total Assets * 100
Table:Bank 04-05 05-06 06-07 07-08 08-09 Geometrical Mean SBI BOI ICICI AXIS 2.65 1.21 0.39 1.03 1.82 1.53 0.43 1.07 1.53 1.86 0.59 0.61 1.35 1.32 0.89 0.36 1.24 1.47 1.22 0.35 1.65 1.33 0.69 0.60
SBI
BOI
ICICI
AXIS
2.00 Geometrical Mean 1.50 1.00 0.50 0.00
SBI Bank
ICICI
NET NONPERFOMING ASSETS TO TOTAL ASSETS RATIO

NET NONPERFOMING ASSETS TO TOTAL ASSETS RATIO:Under RBI guidelines, NPA means amount of interest or principal invested in terms loan for more than 90days. Lower the Net NPA to total asset ratio better the quality of advances. Considering the figures of this ratio, we can conclude that private banks have lower ratio as compare to public sector banks which implies that private sector banks have better quality of advances. Net NPAs to Net Advances (NNPAs/NA) Ratio :Net NPAs are Gross NPAs net of provisions on NPAs and suspense account. Net NPAs are measured as a percentage of Net Advances. Net NPAs to Net Advances (NNPAs/NA) Ratio =Net NPAs / Net Advances * 100
52
SBI
BOI
ICICI
AXIS
2.00
1.80
1.60 Geometrical Mean 1.40 1.20 1.00 0.80
0.60
0.40 0.20 0.00 SBI Bank ICICI
NET NON-PERFOMING ASSETS TO NET ADVANCES RATIO
53
NET NON-PERFOMING ASSETS TO NET ADVANCES RATIO :-
Lower the NPA to net advances ratio, better quality of assets. Considering the figure of this ratio, we can observe that the performance Axis bank is the best followed by BOI at 2nd, ICICI at 3rd and SBI at 4th.
BANKS SBI BOI ICICI AXIS
RANKS 4 2 3 1
Total Investments to Total Assets (TI/TA) Ratio :This ratio is used as a tool to measure the percentage of Total Assets locked up in Investments. It is arrived at by dividing Total Investments by Total Assets. Total Investments to Total Assets (TI/TA) Ratio = Total Investments / Total Assets.
54
Table: Bank 04-05 05-06 06-07 07-08 08-09 Geometrical Mean SBI BOI ICICI AXIS 42.86 29.69 28.27 32.26 32.90 28.30 27.10 37.82 26.33 25.06 26.48 36.72 26.26 23.38 27.88 30.76 28.61 23.32 27.00 31.36 30.84 25.82 27.34 33.66
SBI
BOI
ICICI
AXIS
35.00 Geometrical Mean 30.00 25.00 20.00 15.00 10.00
5.00
0.00 SBI Bank ICICI
TOTAL INVESTMENT TO TOTAL ASSETS RATIO

TOTAL INVESTMENT TO TOTAL ASSETS RATIO :-
Considering the figures of geometric mean of total investment to total asset ratio, we can observe that AXIS bank tops followed by SBI at second, ICICI at third and BOI at fourth.
BANKS SBI BOI ICICI AXIS RANKS 2 4 3 1
Management Efficiency
Management efficiency is another key component of CAMEL model. Management efficiency ratio includes profit per employee ratio, Business per Employee, Return on Net worth, Total advances to total deposits ratio.
Total Advances to Total Deposits(TA/TD) Ratio :This ratio measures the efficiency of the management in converting the deposits available with the bank excluding other funds like equity capital, etc.) into advances. It is arrived at by dividing Total Advances by Total Deposits. Total Advances to Total Deposits (TA/TD) Ratio = Total Advances / Total Deposits. [Total Advances = Advances + Receivables] [Total Deposits = Demand + Saving + Term + Others]
SBI
BOI
ICICI
AXIS
1.00 Geometrical Mean 0.80 0.60 0.40 0.20 0.00 SBI BOI Bank ICICI AXIS
TOTAL ADVANCES TO TOTAL DEPOSITS RATIO

TOTAL ADVANCES TO TOTAL DEPOSITS RATIO :-
This ratio measures the efficiency management in converting deposits in to advances. Higher the ratio means better the efficiency of management in converting deposits in to advances.
Considering the figures of this ratio, all the banks have almost some ratio. ICICI bank top followed by BOI at second, SBI at third and Axis at fourth. Thus we can say that ICICI has better efficiency of management in converting deposits in to advances.
RANKS 3 2 1 4
Profit Per Employee(PPE) Ratio :It is arrived at by dividing the Net Profit of the bank by Total Number of Branches. Profit per Employee (PPE) Ratio =Net Profit / Total No. of Branches
58
SBI
BOI
ICICI
AXIS
9.00 8.00 7.00 6.00 5.00 4.00 3.00 2.00 1.00 0.00 SBI Bank ICICI
Geometrical Mean
PROFIT PER EMPLOYEE RATIO
59
PROFIT PER EMPLOYEE RATIO :Higher the PPE ratio means higher the efficiency of management. Considering the figures of this ratio, we can see that PPE of private sector bank is higher than public sector bank. Because no of employees of private sector banks always less than the public sector banks. Thus private sector banks are good in performance. Business Per Employee (BPE) Ratio :This ratio measures the efficiency of all the employees of the banks in generating business for the bank. Higher this ratio, it is desirable for bank and vice versa. It is arrived at by dividing the Total Business by the Total Number of Employees. Business per Employee (BPE) Ratio =Total Business / Total No. of Employees. [Total Business = Total Advances + Total Deposits]
60
SBI
BOI
ICICI
AXIS
60.00 50.00 Geometrical Mean
40.00
30.00 20.00 10.00 0.00 SBI BOI Bank ICICI AXIS
BUSINESS PER EMPLOYEE RATIO
61
BUSINESS PER EMPLOYEE RATIO :This ratio measures the efficiency of all the employees of the banks in generating business for the bank. Higher this ratio, it is desirable for bank and vice versa. Considering the figures of BPE, we can observe that public sector banks have higher BPE and private banks have less BPE. This ratio points out that in spite of the competition from private sector bank, public sector banks are out performing their competitors in private sector.
RANKS 3 2 1 4
Return on Net Worth Ratio :It is arrived at by dividing the Profit after Tax by Share Holders Net Worth. Return on Net worth Ratio =PAT / Share Holders Net Worth * 100. [PAT = Profit after Tax] [Share Holders Net Worth = Eq. Capital + Reserves and Surpluses]
62
Table:-
Bank
04-05
05-06
06-07
07-08
08-09
Geometrical Mean
SBI BOI ICICI AXIS
18.10 7.62 15.54 27.09
15.47 14.07 11.26 25.85
14.24 19.05 13.80 21.84
18.50 18.98 11.10 16.09
19.83 22.28 7.59 19.93
17.10 15.39 11.51 21.78
SBI
BOI
ICICI
AXIS
25.00 Geometrical Mean 20.00 15.00 10.00 5.00 0.00 SBI Bank ICICI
RETURN ON NET WORTH RATIO

RETURN ON NET WORTH RATIO :Higher the ratio means higher the profitability of a bank. From the figures of return on network, we can observe that ratio of Axis bank is the highest. This means that profitability of Axis bank is good. On RON parameters, Axis bank top followed by SBI at second, BOI at third and ICICI at forth.
RANKS 2 3 4 1
Earnings Quality
The earning capacity of banks indicates its profitability and sustainability of the same
Operating Profit by Avg. Working Funds Ratio :This is arrived at by dividing the Operating Profit by Avg. Working Funds, working Funds or the Daily Avg. of Total Assets during the year. Operating Profit by Avg. Working Funds Ratio =Operating Profit / Avg. Working Funds
64
Table:Bank SBI BOI ICICI AXIS 04-05 3.21 1.62 1.89 3.49 05-06 4.20 1.64 1.98 2.04 06-07 6.22 1.89 2.05 2.10 07-08 7.62 2.31 2.14 2.57 08-09 4.31 2.70 2.33 2.95 Geometrical Mean 4.88 1.99 2.07 2.58
SBI
BOI
ICICI
AXIS
5.00
Geometrical Mean
4.00 3.00 2.00 1.00 0.00 SBI BOI

Bank
ICICI
AXIS
OPERATING PROFIT BY AVG. WORKING FUNDS RATIO

OPERATING PROFIT BY AVG. WORKING FUNDS RATIO :This ratio indicates the proportion of operating profit to average working fund. High operating profit by avg. working funds indicates managements efficiency in productive development of its avg.working funds. Considering the figure of operating profit by avg. working fund ratio, it is an evident that the performance of SBI is best followed by AXIS, ICICI, and BOI.
RANKS 2 3 4 1
Net Profit / Average Assets (PAT/AA) Ratio :This ratio measures the return on assets employed or the efficiency in utilization of assets. It is arrived at by dividing the Net Profit by Avg. Assets. Net Profit / Average Assets (PAT/AA) Ratio = Net Profit / Avg. Assets. [Avg.Assets = Current Years Assets + Previous Years / 2]
66
SBI
BOI
ICICI
AXIS
3.00 Geometrical Mean 2.50 2.00 1.50 1.00 0.50 0.00 SBI BOI ICICI AXIS
Bank
NET PROFIT TO AVERAGE ASSETS RATIO
67
NET PROFIT TO AVERAGE ASSETS RATIO :This ratio measures the return on assets or efficiency of management in utilization of assets. Higher the ratio means the stronger performance of bank. From the figure of Net profit to average assets ratio, we can observe that BOI top followed by SBI at second rank, AXIS is third rank and ICICI at fourth.
RANKS 2 1 4 3
Interest Income / Working Funds Ratio :This ratio measures the income from lending operations as a percentage of the working funds in a year. It is arrived at by dividing the Interest Income by Working Funds. Interest Income / Working Funds Ratio = Interest Income / Working Funds. [Interest Income = Income on Advances + Income on Deposit with RBI + Dividend Income]
68
SBI
BOI
ICICI
AXIS
8.00 7.00 6.00 5.00 4.00 3.00 2.00 1.00 0.00 SBI BOI Bank
Geometrical Mean
ICICI
AXIS
INTEREST INCOME TO WORKING FUNDS RATIO

INTEREST INCOME TO WORKING FUNDS RATIO :This ratio measures the income from lending operation as percentage of working fund in a year. Net interest margin to working funds indicate the ability of bank to manage its cost of deposits.
Considering the figure of the interest income to working funds ratio, it is evident that the performance of AXIS bank is best followed by SBI then BOI and ICICI.
RANKS 2 1 4 3
Non Interest Income / Working Funds(NII/WF) Ratio :This ratio measures the Operation from other than lending operations as a percentage of working funds. Non-Interest Income is the Interest earned by the banks excluding income on advances and deposits with RBI. It is arrived at by dividing the Non Interest Income by Working Funds. Non Interest Income / Working Funds (NII/WF) Ratio = Non-Interest Income / Working Funds.
70
SBI
BOI
ICICI
AXIS
2.50 Geometrical Mean 2.00 1.50 1.00 0.50 0.00 SBI BOI Bank ICICI
AXIS
NON INTEREST INCOME TO WORKING FUNDS RATIO

NON INTEREST INCOME TO WORKING FUNDS RATIO :This ratio indicates proportion of non int. income to working funds. Non int. incomes are income other than income from interest. Percentage of non int. income to working fund is higher is desirable. From the figure of geometric mean on non int.-income to working fund the parameter, AXIS bank top followed by ICICI then SBI and BOI. BANKS SBI BOI ICICI AXIS RANKS 2 1 4 3
Liquidity :Liquidity is a crucial aspect which represents its ability to meet its financial organizational responsibility. Its very important fir a bank to maintain a correct level of liquidity otherwise it will least to decline at earning. High liquidity ratio shows comfort level of bank to maintain its obligation.
Liquid Assets / Demand Deposits (LA/DD) Ratio :This ratio measures the ability of a bank to meet the demand from demand deposits in a particular year.
It is arrived at by dividing Liquid Assets by Total Demand Deposits. Liquid Assets / Demand Deposits (LA/DD) Ratio = Liquid Assets / Demand Deposits. [Liquid Assets = Cash + Bal. with RBI + Bal. with other Banks + Money Call and Short Notice]
73
Table:-
Bank
04-05
05-06
06-07
07-08
08-09
Geometrical Mean
SBI BOI ICICI AXIS
1.25 1.23 1.01 1.20
1.01 1.55 1.03 1.01
0.83 1.85 1.74 0.57
0.69 1.42 1.54 0.63
0.94 1.72 1.39 0.61
0.93 1.54 1.31 0.77
SBI
BOI
ICICI
AXIS
1.60 1.40 1.20 1.00 0.80 0.60 0.40 0.20 0.00 SBI BOI Bank ICICI AXIS
Geometrical Mean
LIQUID ASSET TO DEMAND DEPOSITE RATIO
74
LIQUID ASSET TO DEMAND DEPOSITE RATIO :This ratio measures the ability of bank to meet demand from deposits in a particular bank and as and when customer demand deposits back, the bank is only able to give deposits when it has enough flow of liquidity. Considering the figure of liquid assets to demand deposits, it is desirable that the performance of BOI is best amongst all four banks followed by ICICI, SBI and AXIS.
RANKS 3 1 2 4
Liquid Assets to Total Deposits (LA/TD) Ratio :This ratio measures the liquidity available to the depositors of a bank. It is arrived at by dividing Liquid Assets by Total Deposits. Liquid Assets to Total Deposits (LA/TD) Ratio = Liquid Assets / Total Deposits.
75
Table:-
Bank
04-05
05-06
06-07
07-08
08-09
Geometrical Mean
SBI BOI ICICI AXIS
0.16 0.15 0.13 0.12
0.12 0.12 0.10 0.14
0.13 0.15 0.16 0.12
0.13 0.12 0.16 0.14
0.14 0.11 0.14 0.13
0.14 0.13 0.14 0.13
SBI
BOI
ICICI
AXIS
0.14 Geometrical Mean 0.14 0.14 0.13 0.13 0.13 0.13
0.13
0.12
SBI Bank
ICICI
LIQUID ASSETS TO TOTAL DEPOSITES RATIO

LIQUID ASSETS TO TOTAL DEPOSITES RATIO:This ratio measures the liquidity available to the deposits of bank. From the figures of geometric mean on liquid assets to total deposits parameter, the performance of private sector banks and public sector bank are almost same.
Liquid Assets to Total Assets (LA/TA) Ratio:This ratio shows the proportion of Liquid Assets to Total Assets. It is arrived at by dividing Liquid Assets by Total Assets. Liquid Assets to Total Assets (LA/TA) Ratio = Liquid Assets / Total Assets.
77
SBI
BOI
ICICI
AXIS
0.14 0.12 Geometrical Mean 0.10 0.08 0.06 0.04 0.02 0.00 SBI BOI Bank ICICI AXIS
LIQUID ASSETS TO TOTAL ASSETS
78
LIQUID ASSETS TO TOTAL ASSETS :This ratio shows proportion of liquid assets to total assets. Higher the ratio means higher the liquidity. It is desirable to have higher liquidity. The banks must have higher liquidity. Considering the figure of liquid asset to total assets, it is evident that the performance of Axis bank is best and followed by BOI at 2nd, ICICI at 3rd and SBI at 4th. BANKS SBI BOI ICICI AXIS RANKS 4 2 3 1
Government Securities to Total Assets (G-Secs/TA)
Ratio :This ratio is arrived at by dividing investment in Government Securities by Total Assets. Government Securities to Total Assets (G-Secs/TA) Ratio = Investment in Govt. Securities / Total Assets
79
Table:-
Bank
04-05
05-06
06-07
07-08
08-09
Geometrical Mean
SBI BOI ICICI AXIS
0.18 0.20 0.21 0.21
0.20 0.20 0.20 0.20
0.19 0.18 0.20 0.22
0.20 0.18 0.19 1.84
0.24 0.19 0.17 1.87
0.20 0.19 0.19 0.50
SBI
BOI
ICICI
AXIS
0.50
Geometrical Mean
0.40 0.30 0.20 0.10
0.00
SBI BOI Bank ICICI AXIS
GOVERNMENT SECURITIES TO TOTAL ASSETS RATIO
80
GOVERNMENT
SECURITIES
TO
TOTAL
ASSETS
RATIO:This ratio shows the proportion of government securities to total assets (risk free security). From the figure of the government securities to total assets, we can observe that Axis bank top followed by SBI at 2nd, BOI at 3rd and ICICI at 4th.
RANKS 4 2 3 1
Approved Securities to Total Assets Ratio :This ratio is arrived at by dividing the total amount invested in Approved Securities by Total Assets. Approved Securities are investment made in state-associated bodies. Approved Securities to Total Assets Ratio = Approved Securities / Total Assets. [Approved Securities = Electricity Boards + Housing Boards+ Corporation Bonds + Shares of Regional Rural Banks]
81
Table:-
Bank
04-05
05-06
06-07
07-08
08-09
Geometrical Mean
SBI BOI ICICI AXIS
0.15 0.90 0.016 0.11
0.26 0.70 0.015 0.15
0.32 0.60 0.013 0.10
0.38 0.40 0.012 0.10
0.20 0.30 0.010 0.10
0.25 0.54 0.01 0.11
SBI
BOI
ICICI
AXIS
0.60 Geometrical Mean 0.50 0.40 0.30 0.20 0.10 0.00 SBI Bank ICICI
APPROVED SECURITY TO TOTAL ASSETS RATIO

APPROVED SECURITY TO TOTAL ASSETS RATIO :-
Considering the figure of the approved security to total assets, it is evident that the performance of BOI is best followed by SBI than AXIS and ICICI. BANKS SBI BOI ICICI AXIS RANKS 4 2 3 1
83
Chapter: 5:Research Analysis:
Particular s
Capital Adequac y ratio
DebtEquit y ratio
Advance s asset ratio 2 1 3 4
G.sec. to Averag e
Finding s (Ranks)
to total investmen t ratio 2 1 3 4
SBI BOI ICICI AXIS
2 4 1 3
3 4 1 2
2.25 2.50 2.00 3.25
2 3 1 4
Capital adequacy ratio

In the above table we can see that ICICI tops in the capital adequacy parameters ratios followed by SBI, BOI and AXIS
84
Assets Quality Parameter:
Particulars NPA to Net NPA Total total Asset ratio SBI BOI ICICI AXIS 4 3 2 1 to net Investment to total
Average Findings (Ranks)
Advance ratio 4 2 3 1
assets ratio 3 1 2 4 3.67 2.00 2.33 2.00 4 1 3 1
In the above table we can see that BOI and AXIS banks tops at first position in the asset quality parameter followed by SBI and ICICI.
85
Management efficiency parameter:

Particulars Total Profit per Business RON Average Findings (Ranks)
Adv. to employee per total deposit ratio SBI BOI ICICI AXIS 3 2 1 4 4 3 1 2 2 1 3 4 2 3 4 1 2.75 2.25 2.5 2.75 employee
3 1 2 3
In the above table we can see that BOI tops in the management efficiency parameters ratio.
86
Earning quality parameter:

Particulars Operating Net profit avg. working fund SBI BOI ICICI AXIS 1 4 3 2 by profit /avg. assets ratio 2 1 4 3 2 3 4 1 3 4 2 1 2 3 3.25 1.75 2 3 4 1 Interest / working funds Non Int./ working funds Average Findings (Ranks)
In the above table we can see that AXIS tops in the earning quality parameters ratios followed by SBI, BOI and ICICI.
87
Liquidity parameter:
Particular
Liquid assets/
Liquid
Liqui
Gov.
Approve
Averag
Findings (Ranks)
assets/ d
sec. to d sec. to e total
demand total deposit s
asset total
deposit s/ s total asset s
assets assets
SBI BOI ICICI AXIS
3 1 2 4
1 2 1 2
4 2 3 1
2 3 3 1
2 1 4 3
2.4 1.8 2.6 2.2
3 1 4 2
In the above table we can see that BOI tops in the liquidity parameters ratios followed by AXIS, SBI and ICICI.
88
Q-1)
Are you customer with our bank?
Answer option Yes No Total
NO. of respondents 100 0 100
Response in % 100% 0 100%
Customer of Bank
1%
1 2 99%
Analysis: From the above diagram, from the survey of 100 Respondents are the customer with our sample banks SBI, ICICI,BOI and AXIS bank. There should be required 100% Response for yes through the question for the Identification of Respondents. Interpretation: As per the above analysis, all the respondents are the customers of the bank, the respondents who is not customer of the bank for that respondents are not eligible for the sample.
89
Q-2) Which banks do you prefer?
Name of banks SBI BOI ICICI AXIS Total
Response in % 28% 22% 20% 30% 100%
NO. of respondents 28 22 20 30 100
Response in %
Response in %
30% 25% 20% 15% 10% 5% 0% SBI BOI ICICI AXIS 28% 22% 20% 30% Response in %
Name of Banks
Analyses: As per the above diagram, We are selecting those respondents who are performing our sample banks from the all 100 Respondents, 28 Respondents have been preferred State Bank of India. 22 Respondents have been preferred ICICI. 20 Respondents have been preferred Bank of India. 30 Respondents have been preferred Axis Bank. For all the Respondents Response presenting in percentage (%) for SBI, ICICI, BOI and Axis with 28%, 22%, 20% and 30% respectively.
90
Q-3) which type of account you are having?
Name of banks SBI BOI ICICI AXIS Name of banks SBI BOI ICICI AXIS
Savings A/c 53.57% 54.55% 65.00% 60.00% Savings A/c 15 12 13 18
Current A/c 17.86% 27.27% 20.00% 23.33% Current A/c 5 6 4 7
Joint A/c 21.43% 13.64% 15.00% 10.00% Joint A/c 6 3 2 3
Business A/c 7.14% 4.55% 5.00% 6.67% Business A/c 2 1 1 2
100% 90% 60.00% 23.33% 80% 70% 60% 50% 40% 30% 20% 10% 0% Savings A/c Current A/c 53.57% 54.55% 27.27% 65.00% 20.00%
10.00% 15.00%
6.67%
Responses in%
5.00% 13.64% 4.55% 21.43%
AXIS ICICI BOI SBI
17.86% Joint A/c
7.14%
Business A/c
Type of Account
Analyses: From the above diagram, the Respondents are mention their types of accounts, which are saving accounts, current accounts, joint accounts and Business accounts. In SBI from 28 Respondents who have possessing 53.57% of saving A/C,17.86% of current A/C,21.43% of joint A/C and 7.14 of business A/C.
In the ICICI from 22 Respondents who have possessing 54.55%, 27.27%, 21.43%, and 4.55% with saving A/C, current A/C, joint A/C, and Business A/C are respectively. In the BOI from the 20 Respondents who have possessing 65% of saving A/C, 20% of Current A/c,15% of joint A/C and 5% of business A/C. In the Axis bank from the 30 Respondents who have possessing 60% of saving A/C, 23.33% of current A/C,10% of joint A/C and 6.67% of business A/C Interpretation: From the above analysis, we can know that different types of an account holder how to handle different types of A/C holder are required distinctive services which are providing by banks. Savings A/c is more preferable than the all selected others banks. Public sector banks SBI & BOI having more account holders than the privet ICICI & AXIS banks.
92
Q-4) how much satisfied are you with the service provided by the bank? Name of banks SBI BOI ICICI AXIS Less than a year 8 10 9 15 Between 1- Between 5- Above 5year 10year 10years 15 5 0 8 3 1 6 5 0 10 3 2
Reletionship with custemers

100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Less than a Bettwen 1- Bettwen 5year 5year 10year Above 10years
Responses in %
AXIS ICICI BOI SBI
Time Period
Analyses: From the above diagram, we are presenting that how long they are customer of our bank. In SBI BANK from 28 respondents there are 8 responses 1 year old, 15 responses 5years older, and 5 responses 10years older. In ICICI BANK from 22 respondents there are 10 responses 1 year old, 8 responses 5years older, 3 responses 10years older, and 1 response above 10years older. In BOI BANK from 20 respondents there are 9 responses 1 year old, 6 responses 5years older, and 5 responses 10years older. In AXIS BANK from 30 respondents there are 15 responses 1 year old, 10 responses 5years older, 3 responses 10years older and 2 responses above 10years older.
93
Interpretation: Here, we know about the relationship between customer and respective banks by which how much longer they are maintaining their account. We also measure the customer satisfaction from which they maintain an account and transactions.
94
Q-5) how much satisfied are you with the service provided by the bank? Name of banks SBI BOI ICICI AXIS Very Satisfied 10 8 6 12 Satisfied 8 10 7 9 Somewhat Dissatisfied satisfied 6 4 2 2 2 5 7 3
No. of Responses
50 40 30 20 10 0 Online Ticket booking 10 8 10 16 15 6 8 6 Online Bill payments
AXIS 3 5 3 3 Balance Check ICICI BOI 3 1 1 3 Request for a cheque book SBI
Answer Options
Analyses: From the above diagram, we are presenting the respondents satisfaction with respective banks. In SBI from 28 respondents 10, 8, 6, and 4 with very satisfied, satisfied, somewhat satisfied, dissatisfied. In ICICI from 22 respondents 8,10,2, and 2 with very satisfied, satisfied, somewhat satisfied, dissatisfied. In BOI from 20 respondents 6, 7, 2, and 5 with very satisfied, satisfied, somewhat satisfied, dissatisfied. In AXIS from 30 respondents 12, 9, 7, and 2 with very satisfied, satisfied, somewhat satisfied, dissatisfied.
95
Interpretation: As per the analysis public sector banks respondents are more dissatisfied than the private sector banks .There is also mention that respondents more satisfied by private bank than the public sector.
96
Q-6) do you feel that the procedure to open account with the bank was difficult? Name of banks SBI BOI ICICI AXIS Yes 10 8 7 12 No 18 14 13 18
20 No. of Responses 15 10 10 5 0
18 14 8 13 7 12
18
Yes No
SBI
BOI
ICICI
AXIS
Name of Bank
Analyses: From the above diagram, there are respondents give Response for the difficult in open an account. In SBI from 28 Respondents, 10 get difficulty and 18 have number of difficulty for open an account. In ICICI from 22 Respondents, 8 get difficulty and 14 have number of difficulty for open an account. In BOI from 20 Respondents, 7 get difficulty and 13 have number of difficulty for open an account. In Axis from 30 Respondents, 12 get difficulty and 18 have number of difficulty for open an account
Interpretation: From the above information SBI & BOI bank respondent get less difficulty then the ICICI & Axis bank.
98
Q-7) Do you always get prompt service whenever you visit the branch? Name of banks SBI BOI ICICI AXIS Always 8 13 10 15 Sometime Rarely Never 10 6 4 8 8 2 3 7 2 1 1 0
50 45 40 35 30 25 20 15 10 5 0
No. of Responses
10 8 10 6 16 8 6 Online Ticket booking Online Bill payments 3 5 3 3 3 1 1 3 15
AXIS ICICI BOI SBI
Balance Check Request for a cheque book
Answer Option
Analysis:From the above diagram, are presenting that, In SBI 28 respondents 8, 10, 8, 2 with always, sometime, rarely and never respectively. In ICICI bank from 22 respondent 13, 6, 2 and 1 with always, sometime, rarely and never respectively. In BOI bank from 20 respondent 10, 4, 3, and 1 with always, sometime, rarely and never respectively. In Axis bank from 30 respondents 15, 8, 7, with always, sometime, rarely respectively.
99
Interpretation:From the above analysis, SBI and BOI possessing less prompt services then ICICI and Axis.
100
Q-8) Do you agree that minimum account limit is not high and easy to maintain?
Name of banks SBI BOI ICICI AXIS
Strongly Agree Somewhat disagree Strongly agree agree disagree 10 8 5 3 2 8 6 2 2 2 11 8 1 0 0 12 8 6 1 3
No. of Responses
50 40 30 20 10 0 10 8 10 16 15 6 8 6 3 5 3 3 AXIS ICICI 3 1 3 Request for a cheque book BOI SBI
Online Online Bill Balance Ticket payments Check booking
Answer Option
Analysis:From the above diagram, gave response that on 10 respondents strongly agree, 8 respondent agree, 5 respondent somewhat agree, 3 respondent disagree and 2 respondent strongly agree of them SBI. 8 respondents strongly agree, 6 respondent agree, 6 respondent somewhat agree, 2 respondent disagree and 2 respondent strongly agree of them BOI. 11 respondents strongly agree, 8 respondent agree, 1 respondent somewhat agree, and some respondent are not give response to disagree and strongly agree of them ICICI.
101
12 respondents strongly agree, 8 respondent agree, 6 respondent somewhat agree, 1 respondent disagree and 3 respondent strongly agree of them Axis.
Interpretation:We are also interpret that, public banks SBI and BOI respondents are feel too easy to maintain but some of the private the bank are not agree to maintain their minimum account balance.
102
Q-9) would you like suggest any changes or improvement in any service or any feature of the bank? Name of banks SBI BOI ICICI AXIS Yes 64.29% 59.09% 40% 70.21% No 35.71% 40.91% 60% 30%
25
Responses in %
20 15 10 5 0 SBI BOI ICICI AXIS
Online Bill payments Online Ticket booking
Name of Bank
Analysis:From the above diagram, the respondents are more effective to the bank future. In SBI from 28 respondents gave response towards yes 64.29% more than no 35.71% for providing suggestion. In ICICI bank from 22 respondents some of them make suggestion 59.09% no for 40.91%. In BOI from 20 respondent want to give suggestion 40.80% and 60% respondent does not give any suggestion. In Axis bank from 30 respondents gave of 70% and no for 80% suggestion. Interpretation:We are also interpreting that, 70.21% respondent give suggestion to Axis & 64.29% respondent give suggestion to SBI; both are in competition for improvement their feature by the suggestions.
Q-10) are the banks customer care services efficient? Name of banks SBI BOI ICICI AXIS Yes 39.29% 54.55% 45.00% 73.33% No 60.71% 45.45% 65.00% 26.67%
26.67% 39.29% 60.71% 73.33% SBI BOI 65.00% 45.00% 45.45% 54.55% ICICI AXIS
Analysis:From the above diagram we measure that customer care service efficiently providing by the bank, In SBI 39.29% respondents give positive response and 60.71% give negative response. In BOI 54.55% respondents give positive response and 45.45% give negative response. In ICICI 45% respondents give positive response and 65% give negative response. In SBI 73.33% respondents give positive response and 26.67% give negative response. Interpretation:As per the above analysis, SBI and BOI public sector banks are providing less efficiently customer care service than the ICICI and Axis private sector banks.
Q-11) How do you plan to improve your net interest margin and return on assets? Name of banks SBI BOI ICICI AXIS Market based bank based 18 4 15 21 10 18 5 9
Interest Margin
Market based bank based
21 18 18 15 10 4 SBI BOI 5 9
ICICI
AXIS
Name of Bank
Analysis:From the above diagram respondents gave response for the interest margin and returns on assets, In SBI respondents said that 18 for market base and 10 response for bank based. In ICICI bank 4 response against market based and 18 responses against bank based.
105
In BOI bank 15 response against market based and 15 responses against bank based. In Axis bank 21 response against market based and 9 responses against bank based.
Interpretation:We are also interpret that 21 respondents and 18 respondent give response against market based of them AXIS & SBI respectively and 10 respondents and 9 respondent give response against bank based of them AXIS & SBI respectively.
106
Q-12) How do you competition with the sum of old generation banks strengthening their leadership team ? Name of banks SBI BOI ICICI AXIS Lower Banking interest rate Facility 22 6 4 18 16 4 12 18
No. Of Responses
30 20 10 0
6 4 16 12 ICICI 18 Banking Facitility Lower interest rate
22
18 4
SBI
BOI
AXIS
Name of Bank
Analysis:From the above diagram respondents gave response for the interest In SBI respondents said that 22 for lower interest rate and 6 response for banking facility. In ICICI bank 4 response against lower interest rate and 18 responses against banking facility. In BOI bank 16 response against lower interest rate and 4 responses against banking facility. In Axis bank 12 response against lower interest rate and 18 responses against banking facility. Interpretation:As per the above analysis, public banks SBI and BOI providing lower interest rate and public banks ICICI and AXIS bank providing efficiently banking facility .
107
Q-13) How do you access information concerning employment opportunities?
Media 11 8 6 15
internet 8 6 2 8
word of mouth 6 5 2 4
other 3 2 0 3
40 35 30 25 20 15 10 5 0 Media internet word of mouth other 11 8 AXIS 6 8 2 6 8 4 2 5 6 ICICI BOI SBI 3 0 2 3 15
Analysis:From the above diagram we measure that access information concerning opportunities, In SBI respondents give their response for 11 of media,8 of internet,6 of word of mouth and 3 of other . In BOI respondents give response for 6 of media 12 of internet, and 2 of word of mouth and no response for other opportunities. In ICICI respondents give their response for 8 of media,6of internet,5 of word of mouth and 2 of other .
108
In AXIS respondents give response for 15 of media 8 of internet, and 4 of word of mouth and 3 of other opportunities. Interpretation:We are also interpreting that, in SBI and AXIS bank both are the in compotation for providing enough information related to employment opportunities batter than the ICICI and BOI .
109
Q-14) since how long are you using the online banking system provided by our bank? Name of banks SBI BOI ICICI AXIS Within one month 8 9 10 14
14 14
1-6 months 10 8 6 6
6-1 year 5 2 4 7
above 1 year 5 3 0 3
No. of Responses
12 10 8 6 4 2 0 8 9
10
10 8 6 6 5 2 7 4 5 3 0 3 SBI BOI ICICI AXIS
Within one month
1-6 months
6-1 year
above 1 year
Time Period
Analyses:From the above diagram, the Respondents are mention their use of online banking system provided by a particular bank, In SBI from 28 Respondents who have using 8 for within a month,10 for 1 to 6 month,5 for 6 to 12 months and 5 for above a year. In the ICICI from 22 Respondents who have using 9 for within a month,8 for 1 to 6 months, 2 for 6 to 12 months and 3 for above a year. In BOI from 20 Respondents who have using 10 for within a month,6 for 4 to 6 month,4 for 6 to 12 months and no one for above a year.
In the AXIS from 30 Respondents who have using 14 for within a month,6 for 1 to 6 months, 7 for 6 to 12 months and 3 for above a year.
Interpretation:As per the above analysis, private banks ICICI and AXIS banks have more respondents for using online banking than the public banks SBI and BOI for longer period and for short period.
111
Q-15) what is the major purpose for which you use the online banking? Name of banks SBI BOI ICICI AXIS Online Ticket booking 16 10 8 10 Online Bill payments 6 8 6 15 Balance Check 3 3 5 3 Request for a cheque book 3 1 1 3
35 30
No. of Responses
25 20 15 10 5 0
3 3 6
3 3 1 3 8 6 1 5 Request for a cheque book Balance Check Online Bill payments Online Ticket booking 10 8 ICICI 10
15
16
SBI
BOI
AXIS
Name of Bank
Analyses:As per the above diagram we mention the major purpose of online banking providing by the banks, In SBI form 28 respondents 16 for online ticket booking, 6 for bill payments 3 for balance check and 3 for request for checkbook. In ICICI form 22 respondents 10 for online ticket booking, 8 for bill payments 3 for balance check and 1 for request for checkbook. In SBI form 20 respondents 8 for online ticket booking, 6 for bill payments 5 for balance check and 1 for request for checkbook.
In AXIS form 30 respondents 10 for online ticket booking, 15 for bill payments 3 for balance check and 2 for request for checkbook.
Interpretation:As per the above analysis, the major purpose for using online banking service through the public banks SBI and BOI are more preferred than the private bank ICICI and AXIS bank.
113
Q-16) Have you ever used the third party transaction of the online banking?
Yes 18 8 7 19
No 10 14 13 11
20 18 16 14 12 10 8 6 4 2 0
18 14
19
13 10 7 8
11 Yes No
SBI
BOI
ICICI
AXIS
Analysis:From the above diagram, the respondents give response yes or no for the used the third party transfers of online banking, In SBI from 28 respondents are give 18 response for positive and 10 for negative for third part transfer. In BOI from 20 respondents are give 7 response for positive and 13 for negative for third part transfer. In ICICI from 22 respondents are give 8 response for positive and 14 for negative for third part transfer.
In Axis from 30 respondents are give 19 response for positive and 11 for negative for third part transfer.
Interpretation:As per the above analysis, mostly respondents gave response in fever of ICICI bank and SBI bank which are both in competition and BOI and ICICI also have competition for the use of third party transfer of the online banking.
115
Q-17) do you think the third party transfer system in particular and the entire online banking website provides you enough security?
Yes 10 16 8 18
No 18 4 12 12
20 18 16 14 12 10 8 6 4 2 0 SBI BOI ICICI AXIS 10 4 8 18 16 12 18 12 Yes No
Analysis:From the above diagram respondent gave that, In SBI 10 responses for positive and 18 responses negative for enough security of online banking website. In BOI 16 responses for positive and 4 responses negative for enough security of online banking website. In ICICI 8 responses for positive and 12 responses negative for enough security of online banking website.
In Axis 18 responses for positive and 12 responses negative for enough security of online banking website.
Interpretation:As per the above analysis, private banks ICICI and AXIS bank have batter enough security for online banking website than the public banks SBI and BOI banks for the enough security of online banking website.
117
Q-18) Have you ever visited your bank branch since the time you started using online banking?
Name banks SBI BOI ICICI AXIS
of
Yes 16 8 12 11
No 12 14 8 19
Yes
SBI BOI ICICI AXIS 1
No
2 3 4
17% 49% 34% 26% 23%
26% 51% 23% 15%
36%
Analysis:From the above diagram respondent gave that, In SBI 16 responses for positive and 12 responses negative for visiting their bank branch since started using online banking. In BOI 8 responses for positive and 14 responses negative for visiting their bank branch since started using online banking. In ICICI 12 responses for positive and 8 responses negative for visiting their bank branch since started using online banking. In Axis 11 responses for positive and 19 responses negative for visiting their bank branch since started using online banking.
118
Interpretation: As per the above analysis, the respondents give response in fever of SBI and AXIS bank more positive for visiting at the time of using online banking than the BOI and ICICI for visiting bank branch of using online banking.
119
Conclusion
We have analyzed the reports of all the four banks, state bank of India, ICICI bank, axis bank, bank of India from that analysis we wish to conclude that all the four banks are competitive of each other. From the study we learnt how to study the annual report of the banks in detail and how to find relative and useful information from that. We have studied various ratios on the basis of CAMEL model and tried to interpret the same. We learnt many things from this project, which would be very useful in our future study. We have also mention the various different ratio performance of all to types of banking sector include of SBI, BOI, ICICI, AXIS the ratio performance of bank like capital adequacy ratio, Debt equity ratio, Advances to access ratio government securities total ratio and net non performing ratio etc. An analysis all information about all the ratio and analysis banking facility in the banking sector how the customer satisfied by the public and private banking facility in the exiting banking sector. We have also make a primary survey through the questioner for satisfying our cps objectives.
120

Capstone Project On Banking.

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Capstone Project On Banking.

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Chapter: 1

1.2 Rational of the study:

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

Research and Methodology:

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

1.5 Chapterlization skills

Ch-2 Structure of banking system

Ch-3 C.A.M.L Modal

Ch-4 Ratio anaylisis

Because of shortage of time, we could not get all information of

It was too much critical to get information from bank customers.

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

Introduction To Banking Sector

History of Modern Banking in India:

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

State CoOperative Bank

Central Co-operative Banks & Primary Credit Societies

Private Sector Bank

Public Sector Bank

Other Nationalized Bank

Regional Rural Bank

SBI and Subsidiaries Banks

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

1. Public sector Bank:

The following are some public sector banks in India

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

2. Private sector Bank:

The following are some of the private sector banks in India

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

The subsidiaries Banks are as follows:

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

Bank of India (SBI)

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

2004: A networking effort reaches 4,000 branches.

The current bank

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

2007: BOI acquired 76 percent of Indonesia-based PT Bank Swadesi.

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

Subsidiaries and Branches

ICICI Bank has branches and subsidiaries in following countries:

Braches ATMs Internet Banking Mobile Banking

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

Products and Services

Following deposits are offered:

ICICI Bank offers following loan facilities:

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

Merchant services Investments

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

ICICI Bank offers various types of insurance:

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

Branches & ATMs

Deposits Loans Cars Investments Insurance

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

`Remittance Card' in association with Remit2India, a Website offering money-transfer services

UBL sets up branch in Jaipur

UTI Bank unveils priority banking loung

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI

CAMEL Rating Model:

B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI