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Dissertation - A Study On Financial Performance Of Select Commercial Banks In India
The purpose of the study is to examine the financial performance of SBI and HDFC Bank, public sector and private sector respectively. The research is descriptive and analytical in nature. The data used for the study was secondary in nature.
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Rohit Bansal
Sunil Rashinkar
This study was explored the performance of banks using CAMEL’s model, where its objectives were to examine the performance of Bank Nifty in India. Ten commercial banks that are currently operating in Bank Nifty. There were ten banks chosen to be samples of the study. Where yearend financial data from the years from 2014 to 2019 were gathered from these banks’ annual reports. From, analysis it could be seen from an overall view that the levels of performance of banks in India were sight similar. By displaying the potential interaction between states owned banks and private banks in Indian banking system. This study is hoped to provide useful information for stake holders to make better investment resolutions and to help both state owned banks and private banks to mark and reevaluate their performance based on the performance dimension used in the study.
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Banks form a fundamental component of the financial system and are also active players in financial markets. An efficient banking system capable of mobilizing the savings and channeling them to productive purposes are essential for the development of any economy. The objective of the study is to analyze and compare the overall financial performance of selected public and private sector banks in India
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Drishtikon Management Journal
Dr. Brahmadev Panda
The Period between 2005 and 2010 can be Said to be a Time Period in the whole World Economy which is Full of many Ups and Downs. the World Economy was Doing very well and Suddenly there is the Financial Crisis throughout the World Post Layman Brothers' Collapse. now the World Economy is Going through the Recovery Process. Despite all These, Indian Economy is not Aversely Affected to that an Extent. one of the Main Reasons for This was the Strong Financial System of India Led by Sound Banking System. in This Context, the Article Attempts to Roa, Roe, Cd Ratio, Spread Study the Performance of Various Categories of Banks, Namely, Public Sector Banks, Old Generation Private Sector Banks, New Generation Private Sector Banks, Sbi and its Associate Banks, foreign Banks Operating in India, for a Period of Five Years from 2005-06 to 2009-10.
ijetrm journal
Ijetrm Journal
The Indian economy's overall growth and development depend heavily on banking. In India, banks keep the country's entire financial system lubricated and operating efficiently. Money that supports and fuels growth across all industries and the nation is provided by it. India has a sizable branch network, a wide range of financial services, and an extensive banking system. This study compares the financial results of the two biggest private and public sector banks in India. The following metrics were used to assess the financial performance of banks: net profit, assets, liabilities, income, expenses, margin ratios, and return on equity ratios. The study found that private banks outperformed public banks after analysing financial data from 2017 to 2021.The study also highlights the impact of non-Performing assets on public sector bank's poor performance. This study's findings will benefit the bank in reviving its performance to the expected level.
Economics, Commerce and Trade Management: An International Journal (ECTIJ)
In This Era, the banking sector is one of the fastest growing sectors, and a lot of funds are channelized through banks thereby making the banking system more and more complex wherein lies the importance to examine and evaluate concurrent performance of the banks: hence the researcher tries to present a case study of India in this context. To evaluate the performance of the Indian banks, the researcher has opted to compare the financial performance of different Scheduled Commercial Banks (SCBs) applying the parameters Return on Asset, Return on Equity and Net Interest Margin. Furthermore, his study proves if any significant difference of profitability means among different banking groups really exists. For this purpose, he has chosen the parameter of quantitative research using Analysis of Variance (ANOVA) from 2009 to 2013 following the global financial slump of 2008. To state, ROA for Public Sector Banks was recorded 0.97%in 2010 from 1.02% of 2009. For the State Bank of India group (SBI), it was a notch lower at 0.91% (2010) than 1.02% in 2009. ROE for all banks saw a decrease during 2009-2013: but the OPSBs and the NPSBs recorded increase in ROE from 14.6 % and 10.6 % in 2009 to 16.22% and 16.51% in 2013 respectively. For all the banks, NIM shows a significant rise during 2011-12 excluding the FBs. Furthermore, the result indicates that there is no significant means in difference of profitability among various banking groups in respect of ROA and NIM, yet a significant means of difference is seen among the peer groups in terms of ROE.
NIDHI NALWAYA
A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities. Banks are a fundamental component of the financial system, and are also active players in financial markets. The banking sector is the most dominant sector of the financial system in India, and with good valuations and increasing profits, the sector has been among the top performance in the markets. The recent tech-savvy practices and processes adopted have propelled public sector banks out of complacency and given them a competitive edge. PSB`s such as PNB and Bank of Baroda are posting rapid increase in their asset base every year as compared to other public sector banks. The objective of present paper is to analyze the financial performance of the public sector banks on Return on Net Worth, Net Operating Profit per Share, Debt Equity Ratio, and Capital Adequacy Ratio. For this study six Public Sector Banks have been selected. The Indian banking system faces several diffic...
Syed Sharfuddin Ibrahim
The banking sector as service sector, and as one of the components of financial system, plays an important role in the performance of any economy. Banking institutions in our country have been assigned a significant role in financing the process of planned economic growth. The efficiency and competitiveness of banking system defines the strength of any economy. Indian economy is not an exception to this and banking system in India also plays a vital role in the process of economic growth and development. The study is to assess the monetary execution of ICICI Bank and HDFC Bank. The fundamental goals of the study are to assess the financial performance of ICICI Bank and HDFC Bank. The study covers the time of 5 years i.e. from year 2012-13 to year 2016-17. Proportion Analysis was connected to dissect and think about the patterns in managing an account business and monetary execution, for example,
A better performance in terms of Efficiency and profitability of banking sector is must for a flourishing economy to ensure the growth and development by facing intense competition, meeting greater customer demands and changing banking reforms. Since the adoption of Liberalization, Privatization and Globalization in 1991the banking sector has undergone significant changes. The Fundamental Analysis, which aims at developing an insight into the economic performance of the business, is of paramount importance from the view point of investment decisions. The present study attempts to analyze and measure the relative performance of the major banks in India. ; PNB, SBI, Canara Bank, UCO Bank, ICICI , Axis Bank, HDFC Bank and Yes Bank. The main objective of this article is to make an evaluation of the financial performance of Indian Banks .The financial performance of a bank is measured by a number of key indicators with reference to Deposits, Advances, Total Income, Investment and Net Pro...
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Buy IDFC FIRST Bank; target of Rs 95: ICICI Securities
ICICI Securities's research report on IDFC FIRST Bank
We upgrade IDFC First Bank (IDFCFB) to BUY (from Hold) as we see the near-term (H1FY25) stagnation in the costincome ratio/rise in credit costs likely being outweighed by industry-leading deposits/loan/PAT growth. For FY24-26, we see deposits growth (~13-14% CAGR) and PAT growth (mid-teen CAGR) as key challenges for the banking system. That said, we believe IDFCFB with industry leading deposits growth (26% CAGR over FY24-26; double of industry) and PAT growth (~30% CAGR; double of industry) look exciting. The bank is also likely to be least impacted by the RBI’s Projects Under Implementation draft guidelines. Merger consummation within a quarter, or so, should lift FY25E/26E BVPS by 3–4% (not in our estimates yet) on reduced share-count.
We broadly maintain our PAT estimates (upgrade of ~1%). We raise our TP to INR 95 (from INR 85), valuing the stock at ~1.7x FY26E ABV.
For all recommendations report, click here
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IDFC FIRST Bank_28052024_ICICI Securities
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The main purpose of this study is to study the financial performance of ICICI bank using camel analysis. This study is analytical in nature. Secondary Data is collected from annual reports, books ...
Services Limited, with ICICI Bank in 2001 (Redyy, 2020). In 2014, it was the 2nd largest financial institution in India in terms of assets and 0.33 in term of market capitalization. The bank has 4,867 Branches and 14,367 ATMs in India, and has a presence in 17nations including India. ICICI Bank is one of the Big four banks of India, along with ...
In the study the financial performance of the ICICI bank has been analysed with the help of profitability ratios (Net Interest margin and efficiency ratio). The analysis of the study is based on published secondary data in the financial report of the financial year 2014-15 to 2019-2020 of ICICI bank. The study found that the profit of the entity is
The bank's consolidated total assets stood at Rs. 12.50 trillion on June 30 2019. ICICI Bank currently features a network of 5,275 branches and 15,589 ATMs across India. The analysis is formed by considering the financial statements of the past five years. The income of the bank has increased over the amount.
Dissertation Report - Free download as Word Doc (.doc / .docx), PDF File (.pdf), Text File (.txt) or read online for free. This document provides an introduction to credit risk management at ICICI Bank. It discusses the Indian banking sector and provides a company profile of ICICI Bank. The document outlines the objectives, methodology, findings and analysis, recommendations, and conclusions ...
ICICI Bank's financial performance, and neither the trend in productivity nor the profit per employee were taken into account (Padma & Arulmathi, 2013). Singh examined the bank's statistics and balance ... may be gathered from Bank annual reports Bulletins, periodicals, newsletters, and internal bank reports. The four-year research period runs ...
The research involved both the internal and external studies of ICICI Bank. The study undertakes the Financial performance of ICICI Bank. DATA COLLECTION: SECONDARY DATA: The data has been collected from the Balance sheet and profit & loss account of ICICI Bank. PERIOD OF STUDY: The study covers the period of 5 years from (2019-2023). TOOLS FOR ...
The fundamental goals of the study are to assess the financial performance of ICICI Bank and HDFC Bank. The study covers the time of 5 years i.e. from year 2012-13 to year 2016-17. Proportion Analysis was connected to dissect and think about the patterns in managing an account business and monetary execution, for example,
(Source: Annual report of ICICI Bank) INERPRETATION From the above table 4.6 the Return on Assets (ROA) in the year 2016 was 1.34, in the year 2017 it increased to 1.26, in the year 2018 it decreased to 0.77, in the year 2019 it suddenly decreased to 0.34, and in the year 2020 it level of ...
ICICI Bank is India's largest private sector bank with total consolidated assets of Rs. 9,860.43 billion (US$ 152.0 billion) at March 31, 2017 and profit after tax of Rs. 98.01 billion (US$ 1.5 billion) for the year ended March 31, 2017. ICICI Bank currently has a network of 4,850 Branches and 13,882 ATM's across India. ...
The above table represents the statistics and analysis of the different ratios of ICICI Bank. The mean ratios of GP, NP, DER, total debt ratio, return on equity, of after merger was found that more than the before. This shows that in the post bank merger situation performance of the ICICI Bank has improved as far as these proportions.
ICICI Bank is second largest and leading bank of private sector in India. The Bank has 2,533 branches and 6,800 ATMs in India. ... Source: Annual Reports of SBI and ICICI Bank from 2007-08 to 2011 ...
newlineThe usage of latest technology has transformed the entire look of the banking sector such as ICICI Bank and other banks as well. The usage of technology has helped in the development and amalgamation of finance markets all around the world. The consumers desire for latest goods and varying delivery channel are on rise.
The HDFC Bank Percentage follows a wavy pattern. Over the course of analysis, HDFC Bank's average profit percentage was 1.788. As compared to 2017-18, when it was reduced at 1.72, percentage was greater at 1.86 in 2021-22. During the time frame of this research, the Ratio saw some movement for ICICI Bank.
Years Axis Bank ICICI Bank 2012-13 0.17 0.30 2013-14 0.18 0.41 2014-15 0.25 0.48 2015-16 0.30 0.47 2016-17 0.25 0.50 Mean 0.23 0.43 Source: Annual Reports of Axis and ICICI from 2012-13 to 2016-17 Fig 1: Credit/Deposite Ratio. In the above Table depicts that over the course of five
Publish er: Global J ournals. Online ISSN: 2249-4588 & Print ISSN: 0975-5853. Prof itability Performance of HDFC Bank and ICICI Bank: An. Analytical and Comparative Study. By Ahmed Mahdi ...
Data Collection Method : The sample of the study only includes two banks; HDFC Bank and ICICI Bank. Simple random sampling was used to select the sample from this banks which are working in the stock market based on the current situation. The study works on largely on secondary data that was taken from the annual reports of the selected banks.
The above table shows the portions of the SBI and ICICI bank capital adequacy ratio, as per the RBI guidelines, the minimum capital adequacy ratio which should be maintained by every bank is 9% and the above table proves that both the banks followed the RBI guidelines. The average capital ratio of SBI bank is 12.398% and ICICI Bank is 17.08 %.
The financial situation, profitability, and liquidity status of both institutions are determined using the comparative analysis. The study's time frame is from 2017 to 2022 and covers HDFC Bank and ICICI Bank. Secondary data is derived from the annual reports (Balance sheet and Profit and Loss) of HDFC Bank and ICICI Bank.
Chaudhari (2018) compared the performance of SBI and ICICI banks using CAMEL ratings from 2011-2012 to 2015-2016. The study found that ICICI bank outperformed SBI in terms of profitability and management during the mentioned period. Veena and Patti (2017) reviewed the pre and post-merger performance of ICICI Bank using the CAMEL rating approach.
Introduction: A COMPARATIVE STUDY OF FINANCIAL REPORT OF SBI AND ICICI BANK is the Analysis and interpretation of the financial statement has now become an important technique of credit appraisal. Though the basic technique of appraisal remains the same in all the cases but the approach and the emphasis in analysis vary.
The State Bank of India, popularly known as SBI is one of the leading bank of public sector in India. SBI has 14 Local Head Offices and 57 Zonal Offices located at important cities throughout the country. ICICI bank is the second largest, leading bank of private sector in India The Bank has 2,533 branches and 6,800 ATMs in India.
dissertation report on credit risk management at icici bank under the guidance of: mrs.sonia gambhir (asst.professor finance) submitted : sarthak batra ... ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and specialization subsidiaries and ...
IBN Earnings Date and Information. ICICI Bank last announced its quarterly earnings results on April 30th, 2024. The bank reported $0.36 earnings per share for the quarter, missing the consensus estimate of $0.37 by $0.01. The firm had revenue of $2.98 billion for the quarter, compared to analysts' expectations of $2.97 billion.
ICICI Securities's research report on IDFC FIRST BankWe upgrade IDFC First Bank (IDFCFB) to BUY (from Hold) as we see the near-term (H1FY25) stagnation in the costincome ratio/rise in credit costs likely being outweighed by industry-leading deposits/loan/PAT growth. For FY24-26, we see deposits gro…