Synopsis

COMPARATIVE ANALYSIS OF HDFC & ICICI BANK

WITH
RATIO ANALYSIS

Submitted in partial fulfillment of the requirements for qualifying

MBA
Supervised By

SUSMITA GHOSH
Submitted By

NAME: ABHISEK SARKAR

ENROLLMENT NO: 520920807

Study Centre: APEX

L.C. CODE: 01513

SIKKIM MANIPAL UNIVERSITY

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 COMPARATIVE ANALYSIS OF HDFC & ICICI BANK
WITH
RATIO ANALYSIS

Under Supervision of : SUSMITA GHOSH

Submitted By:

Name : ABHISEK SARKAR

Registration no : 520920807

Course : MBA

Semester : FOURTH

Specialization : FINANCE

E-mail : sarkarabhisek7@gmail.com

Learning Centre Code : 01513

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 COMPARATIVE ANALYSIS OF HDFC & ICICI BANK
WITH
RATIO ANALYSIS

1. Title of the project.

2. Introduction to topic.

3. Objecective of the project.

4. Research Methodology.

5. Research sQuestion.

6. Limitations

7. Bibliography.

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 TITLE OF THE PROJECT

COMPARATIVE ANALYSIS OF HDFC & ICICI BANK

WITH
RATIO ANALYSIS

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 INTRODUCTION

This is a Project work undertaken in context of partial fulfillment of the

MBA in Finance. Financial analysis is the starting point for making plans,
before using any sophisticated forecasting and planning procedures.
Understanding the past is a prerequisite for anticipating the future. Financial
analysis is the process of identifying the financial strength and weakness of
the firm by properly establishing relationship between the items of the
balance sheet and the profit and loss account. Financial analysis can be
undertaken by management of the firm, or by parties outside the firm, viz.
owners, creditors, investors and others. The nature of analysis will differ
depending on the purpose of the analyst. After preparation of the financial
statements, one may be interested in knowing the position of an enterprise
from different points of view. This can be done by analyzing the financial
statement with the help of different tools of analysis such as ratio analysis,
funds flow analysis, cash flow analysis, comparative statement analysis, etc.
Here I have done financial analysis by ratios. In this process, a meaningful
relationship is established between two or more accounting figures for
comparison.

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 AIM OF THE STUDY

The objectives of the study are to evaluate the financial position and
performance of the “HDFC BANK LTD & ICICI BANK”. The purpose of
the study mainly centers on the critical analysis of the financial statements of
the banks. And makes attempt to get better in sight about the financial
strength and weakness of the banks by analyzing and interpreting the data
reported in its statements.

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 OBJECTIVE OF THE STUDY

 To study the service offered by the HDFC BANK LTD & ICICI

BANK., to the customers and financial activities, and also study the
new planes and schemes of the bank.
 Study is mainly focused on the financial and commercial activities of
the bank
 To indicate the trend progress of downfall of the bank
 To evaluate the profitability of the bank
 To show the relative strength and weakness of the bank
 To determine the financial condition and financial performance of the
bank
 To involve comparison for a useful interpretation of the financial
statement
 To find out the solution to the unfavorable financial conditions and
financial performance
 To analyze how the bank as utilized its each financial resources and
its sources
 To find out the market share of the bank

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 RESEARCH METHODOLOGY

Sources of data can be classified into two groups they are:

• Primary data and
• Secondary data

Primary data
The data are originally collects the data directly from the company or
from the agency for the first time, for any statistical investigation and used
by them in the statistical analysis are termed as primary data. It has been
collected through different books of accounting, broaches, catalogs,
company prospects, company file etc.

Secondary data
The data published or unpublished, which have already been collected
and processed by some agencies for their statistical work are termed as
secondary data. As for as secondary data is concerned the second agency if
and when it publishes and files such data, it becomes secondary data sources
to anyone who later uses that data.

This is related to collect the required information about the study. My

sources of information are the data available with the bank by on going
through the annual reports. The study is basically relies on secondary data
supplied by the bank. The primary data used for this study consist of
informal discussion, interviews with the deputy manager of the bank.

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 LIMITATIONS

 The financial statements are prepared on the basis of historical costs

or original costs. The value of assets decreases with the passage of
time current price changes are not taken into account.
 The financial statements are expressed in monetary values, so they
appear to give final and accurate position, but sometimes it does not
give exact position.
 The precision of financial statement data is not possible because the
statements deal with natters which cannot be precisely stated.
 The bank wanted not to disclose some of the analysis carried on.
Hence some of them are not included in this report.

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 BIBLIOGRAPHY

 Financial Management - Prasanna Chandra

 Financial Planning Analysis and Control - P.V. Kulkarni

 Financial Markets & Services - K. Nattarajan

 Financial Management - I.M. Pandey

Annual reports of HDFC BANK

Website: 1. www.hdfcbank.Com
2. www.icicibank.com

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