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Acknowledgements
Dated: 04.03.2015
2
Contents
S.No
1
Topic
Executive summary
Page
4
Introduction
Methodology
Trend Analysis
Correlation Analysis
Regression Analysis
11
SWOT Analysis
12
Strategies
15
10
Conclusion
16
Executive Summary
In banking business nationalize and private banks earn
huge income from these sources but not all schedule
banks offer so many services and schedule banks earn
less "Non-interest income as compare to nationalize and
private banks in India.
Objective of the Study:
Strategies to boost the Fee income of the Bank.
Methodology:
1. Trend Analysis for comparisons of peer group Fee
income.
2. Correlation
analysis
for
relation
between
and
bank
performance
parameters.
the
banks
income
using
Fee
income
the
analysis
for
dependent variable.
4. Finally,
carrying
out
the
SWOT
Introduction
In post reform period RBI has deregulated interest rate on
Loans and Advances and hence every bank is independent
to determine the interest rate on Loans and Advances.
Now RBI has deregulated interest rate on saving account
also, therefore almost all banks will increase interest rate
on saving account to increase deposits in their banks.
Therefore, banks offer low interest rate on Loans and
Advances to increase advances and on other hand
increase rate of interest rate on savings or other deposits
in bank account. To increase revenue, banks offer other
services to their customers or clients and from these other
services banks earn "NON-INTEREST
INCOME" (fees,
analysis
for
relation
between
income
parameters
of
and
the
bank
bank
on
macro
performance
economic
parameters.
Data:
Fee income, performance indicators and efficiency ratios
of banks are obtained from various bank sites. Macro
economic parameters are obtained from RBI site.
Limitations of the Study:
In this study we obtained only our bank data. We unable
to collect the peer group data due to other banks and
privative sector banks are reluctant to share their data
with us.
Analysis:
From the trend analysis for all the banks, fee income has
an increasing trend at a variable pace .Weak trend of
growth in the entire banks fee income in 2009 to 2010
period (recession period) turned around with positive
growth from 2011. SBI Fee income growth rate is
highest of all other banks growth.
Correlation Analysis:
Correlation analysis is one of the most widely used
and reported statistical methods in summarizing research
data. It is useful to determine if any relationship exists
between two different variables. If so, how significant or
how strong is this association between the two variables.
10
in
the
first
variable
would
correspond
to
correlation
implying
that
if
Inflation
correlation
suggesting
that
if
GDP
Model Fit
12
R
1.0
1
0
R
Sqaur
e
1
Adjusted R
Square
Std.Error of the
Estimate
1
14.49584
variables. If the economy grows, the demand for feebased services of banks services is certain to go up.
Finally, in this study obtained SWOT analysis for Optimize
the Fee income of the Bank.
Streng
ths
Opportuni
ties
Weakness
Threat
s
SBI has its roots since 1806 which was later transformed
under various names, finally SBI Was established after the
act in parliament on May 1955. In the year 1959 SBI took
over 8 state owned banks and since then it started to
grow up carrying its heritage of servicing people at
various economic levels.
Strengths:
SBI is the largest bank in India in terms of market
share, revenue assets and net
14
15
is
better
scope
of
using
advanced
16
17
18
19