0

APROJECTREPORTON

ASTUDYONFI
NANCI
ALPERFORMANCEOFSTATE
BANKOFI
NDIA(SBI
)

Submi
tt
edby

Ms.SnehaPr
ashantBhandar
i
Exam SeatNumber
:
Gui
dedby
:-

M.
S.ALTAMASH
ASSI
STANTPROFESSOR,
ManagementDepar
tment

Submi
tt
edTo,

SSBES’
S

I
NSTI
TUTEOFTECHNOLOGY&MANAGEMENT,
NANDED

AFFI
LIATEDTO,

S.R.T.M.UNI
VERSI
TY,
NANDED.

(
2021-
2022)
0
1

ACKNOWLEDGEMENT

Iwoul
dli
ke t
othankMR.M.
S.ALTAMASH f
orhi
sval
uabl
e
gui
dancei
nmaki
ngmypr
ojectsuccessf
ul.

Ial
so t
hank Mr
.M.S.Al
tamash Si
r,HOD Management
Depar
tment
,& st
affmember
s whose cont
ri
but
ion cannotbe
ov
eremphasi
zed.Wi
thal
lthei
rencour
agementandwel
lwi
shes,
mypr
ojectpr
ovedt
obef
rui
tf
ul.

Iam t
hankf
ult
oDr
.S.B.Thor
at,
Dir
ect
or,
SSBES’
ITM,
Nandedf
or
mot
ivat
ingandgui
dingusf
orcompl
eti
onofBBA/MBAdegr
ee.

Dat
e:-
Pl
ace:
-NANDED
SnehaPr
ashantBhandar
i

1
2

DECLARATI
ON

Iher
ebydecl
aret
hatt
hei
nfor
mat
iongat
her
eddur
ingt
he
per
iod2021-
22shal
lbest
ri
ctl
yut
il
izedonl
yfort
hepr
ojectr
epor
t.
Thepr
ojectwhi
chi
stobecompl
etedaspert
her
ulesofSRTM
Uni
ver
sit
yNandedf
orf
ullt
imeMBAcour
set
hatIam pur
sui
ngi
n
I
nst
it
uteofTechnol
ogy&Management
,Nanded.
Ihonest
lyexpr
esst
hatt
hei
nfor
mat
ioni
snotcol
l
ect
edwi
th
anycommer
ciali
ntent
ionandmot
ivat
ion.Thesol
emot
ivei
sto
l
ear
nther
ealbusi
nesspr
act
icesandpr
epar
epr
ojectoni
t.Thus
t
he sol
e obj
ect
ivet
o col
l
ect
ing i
nfor
mat
ion i
s ofacademi
c
pur
poseandassur
est
hatcol
l
ect
edi
nfor
mat
ionshal
lbeputt
o
useonl
yfort
hepr
ojectr
epor
tandnot
hingel
se.

Dat
e:-
Pl
ace:
-Nanded
SnehaPr
ashantBhandar
i

2
3

CONTENTS

CHAPTER CHAPTERNAME PAGENO

1 I
NTRODUCTI
ON 05-
06

2 STATEBANKOFI
NDI
APROFI
LE 07

3 HI
STORY 08-
09

4 LOGOANDSLOGAN 10

5 REVI
EW OFLI
TERATURE 11-
13

6 STATEMENTOFTHE 14

PROBLRM

7 LI
MITATI
ONOFTHESTUDY 14

8 OBJECTI
VESOFTHESTUDY 15

9 RESERCHMETHODOLOGY 16-
20

10 DATAANALYSI
SAND 21-
29

I
NTERPRETATI
ON

3
4

11 FI
NDI
NGS,
SUGGESTI
ONS& 30-
33

CONCLUSI
ON

12 BI
BLI
OGRAPHY 34

ANNEXURE -

4
5

1.
1INTRODUCTI
ON

Fi
nanci
alanal
ysi
sist
hepr
ocessofexami
ningacompany
’sper
for
mancei
nthecont
ext
ofi
tsi
ndust
ry and economi
c env
ironmenti
n or
dert
o ar
ri
ve ata deci
sion or
r
ecommendat
ion.Of
ten,t
hedeci
sionsandr
ecommendat
ionsaddr
essedbyf
inanci
al
anal
yst
sper
tai
ntopr
ovi
dingcapi
talt
ocompani
es—speci
fi
cal
l
y,whet
hert
oinv
esti
nthe
company
’sdebtorequi
tysecur
it
iesandatwhatpr
ice.Ani
nvest
ori
ndebtsecur
it
iesi
s
concer
nedaboutt
hecompany
’sabi
l
ityt
opayi
nter
estandt
orepayt
hepr
inci
pall
ent
.An
i
nvest
ori
nequi
tysecur
it
iesi
sanownerwi
thar
esi
duali
nter
esti
nthecompanyandi
s
concer
nedaboutt
hecompany
’sabi
l
ityt
opaydi
vi
dendsandt
hel
i
kel
i
hoodt
hati
tsshar
e
pr
icewi
l
lincr
ease.

Ov
eral
l
,acent
ralf
ocusoff
inanci
alanal
ysi
sisev
aluat
ingt
hecompany
’sabi
l
ityt
oear
na
r
etur
noni
tscapi
talt
hati
satl
eastequalt
othecostoft
hatcapi
tal
,topr
ofi
tabl
ygr
owi
ts
oper
ati
ons,
andt
ogener
ateenoughcasht
omeetobl
i
gat
ionsandpur
sueoppor
tuni
ti
es.
Tomeett
hisobl
i
gat
iont
hef
inanci
alper
for
manceoft
hecompanyi
sver
yimpor
tant
.

Fi
nanci
alper
for
mancei
sasubj
ect
ivemeasur
eofhowwel
laf
ir
m canuseasset
sfr
om
i
tspr
imar
ymodeofbusi
nessand gener
ater
evenues.Anal
yst
sand i
nvest
orsuse
f
inanci
alper
for
mancet
ocompar
esi
mil
arf
ir
msacr
osst
hesamei
ndust
ryort
ocompar
e
i
ndust
ri
esorsect
orsi
naggr
egat
e.

I
ndi
anmonet
arydev
elopsi
sdependentupondev
elopsoft
heI
ndi
anst
eel
indust
ry.

Whi
l
e st
eelkeeps on hav
ing r
einf
orcementi
n cust
omar
y segment
,forexampl
e,
nar
rowi
ng,l
odgi
ngandgr
oundt
ranspi
rat
ionuni
quest
eelar
egent
lyut
il
izedasapar
tof
manur
es.I
ndi
ani
nvol
vesaf
ocalposi
ti
onont
hewor
ldwi
dest
eelout
li
net
hef
oundat
ion
ofnewbesti
ncl
assst
eelf
act
ori
es,pr
ocur
ementofwor
ldwi
descal
eli
mit
sbypl
ayer
s,
const
ant moder
nizat
ion and up degr
ee of r
equest pl
ant
s,enhanci
ng l
i
vel
i
ness
pr
oduct
ivi
tyandi
nrev
ersei
ncor
por
ati
oni
ntowor
ldwi
decr
udemat
eri
alsour
ce.

Thebanki
ngsect
ori
sthel
i
febl
oodofanymoder
neconomy
.Iti
soneoft
hei
mpor
tant
f
inanci
albasement
soft
hef
inanci
alsect
or,
whi
chpl
aysav
italr
olei
nthef
unct
ioni
ngof
aneconomy
.Iti
sver
yimpor
tantf
oreconomi
cdev
elopmentofacount
ryt
hati
t’
s
5
6

f
inanci
ngr
equi
rement
soft
rade,i
ndust
ryandagr
icul
tur
ear
emetwi
thhi
gherdegr
eeof
commi
tmentandr
esponsi
bil
i
ty.TheI
ndi
anbanki
ngsect
ori
sbr
oadl
ycl
assi
fi
edi
nto
schedul
edbanksandnon-
schedul
edbanks.Theschedul
edbanksar
ethosei
ncl
uded
undert
he2ndSchedul
eoft
heReser
veBankofI
ndi
aAct
,1934.Theschedul
edbanks
ar
efur
thercl
assi
fi
edi
nto:nat
ional
i
zedbanks;I
ndi
aandi
tsassoci
ates;Regi
onalRur
al
Banksandot
herI
ndi
anpr
ivat
esect
orbanks.Thet
erm commer
cialbanksr
efer
stobot
h
schedul
ed and non-
schedul
ed commer
cialbanks r
egul
ated under t
he Banki
ng
Regul
ati
onAct
,1949i
ntegr
all
yli
nkedi
nbanki
ngi
ndust
ryi
ngr
adual
l
yincr
easi
ng.They
r
oleofmobi
l
izat
ionofdeposi
tsanddi
sbur
sementofcr
edi
ttov
ari
oussect
orofbanki
ng
i
ndust
ry.Thi
swi
l
lal
sor
efl
ectheal
thoft
hecount
ry.

Theef
fi
ciencyoff
inanci
alsy
stem i
sst
rengt
hofeconomy
.Asoundbanki
ngsy
stem
ef
fi
cient
lymobi
l
ized sav
ing i
n pr
oduct
ive sect
orand sol
ventsy
stem ensur
es t
he
capabi
l
iti
est
omeett
hedeposi
torobl
i
gat
ion.Thebanki
ngsect
ori
spl
ayi
ngcr
uci
alr
ole
i
nsoci
o-economi
cpr
ogr
essoft
hecount
ryaf
teri
ndependence.I
tisdomi
nanti
nIndi
aas
i
taccount
sformor
ethanhal
ftheasset
soff
inanci
alsect
or.

6
7

STATEBANKOFI
NDI
APROFI
LE

St
ateBankofI
ndi
aisanI
ndi
anmul
ti
nat
ional
,Publ
i
cSect
orbanki
ngandf
inanci
al
ser
vicescompany
.Iti
sa gov
ernment
-owned cor
por
ati
on wi
thi
tsheadquar
ter
sin
Mumbai
,Mahar
asht
ra.AsofDecember2013,
ithadasset
sofUS$388bi
l
li
onand17,
000
br
anches,i
ncl
udi
ng190f
orei
gnof
fi
ces,maki
ngi
tthel
argestbanki
ngandf
inanci
al
ser
vicescompanyi
nIndi
abyasset
s.

St
ateBankofI
ndi
ai heBi
soneoft gFourbanksofI
ndi
a,al
ongwi
thBankofBar
oda,
Punj
abNat
ional
BankandBankofI
ndi
a.

Thebankt
racesi
tsancest
ryt
oBr
it
ishI
ndi
a,t
hrought
heI
mper
ialBankofI
ndi
a,t
othe
f
oundi
ng,i
n1806,oft
heBankofCal
cut
ta,maki
ngi
ttheol
destcommer
cialbanki
nthe
I
ndi
anSubcont
inent
.BankofMadr
asmer
gedi
ntot
heot
hert
wo"
presi
dencybanks"i
n
Br
it
ishI
ndi
a,BankofCal
cut
taandBankofBombay
,tof
ormt
heI
mper
ialBankofI
ndi
a,
whi
chi
ntur
nbecamet
heSt
ateBankofI
ndi
a.Gov
ernmentofI
ndi
aownedt
heI
mper
ial
BankofI
ndi
ain1955,
wit
hReser
ve
BankofI
ndi
a(I
ndi
a'
sCent
ral
Bank)t
aki
nga60%st
ake,
andr
enamedi
ttheSt
ateBankof
I
ndi
a.I
n2008,
thegov
ernmentt
ookov
ert
hest
akehel
dbyt
heReser
veBankofI
ndi
a.

St
ateBankofI
ndi
aisar
egi
onalbanki
ngbehemot
handhas20% mar
ketshar
ein
deposi
tsand l
oansamongI
ndi
ancommer
cial
banks.

7
8

1.
2Hi
stor
y

Ther
oot
soft
heSt
ateBankofI
ndi
ali
eint
hef
ir
stdecadeoft
he19t
hcent
ury
,whent
he
BankofCal
cut
ta,l
aterr
enamedt
heBankofBengal
,wasest
abl
i
shedon2June1806.
TheBankofBengalwasoneoft
hreePr
esi
dencybanks,
theot
hert
wobei
ngt
heBankof
Bombay(
incor
por
atedon15Apr
il1840)andt
heBankofMadr
as(
incor
por
atedon1
Jul
y1843)
.Al
lthr
eePr
esi
dencybankswer
eincor
por
atedasj
ointst
ockcompani
esand
wer
ether
esul
tofr
oyalchar
ter
s.Theset
hreebanksr
ecei
vedt
heexcl
usi
ver
ightt
oissue
papercur
rencyt
il
l1861when,wi
tht
hePaperCur
rencyAct
,ther
ightwast
akenov
erby
t
heGov
ernmentofI
ndi
a.
ThePr
esi
dencybanksamal
gamat
edon27Januar
y1921,andt
her
e-or
gani
sedbanki
ng
ent
it
ytookasi
tsnameI
mper
ialBankofI
ndi
a.TheI
mper
ialBankofI
ndi
aremai
neda
j
ointst
ockcompanybutwi
thoutGov
ernmentpar
ti
cipat
ion.Pur
suantt
othepr
ovi
sions
oft
heSt
ateBankofI
ndi
aActof1955,
theReser
veBankofI
ndi
a,whi
chi
sIndi
a'
scent
ral
bank,acqui
redacont
rol
l
ingi
nter
esti
ntheI
mper
ialBankofI
ndi
a.On1Jul
y1955,t
he
I
mper
ialBankofI
ndi
abecamet
heSt
ateBankofI
ndi
a.I
n2008,
thegov
ernmentofI
ndi
a
acqui
redt
heReser
veBankofI
ndi
a'
sst
akei
nSBIsoast
oremov
eanyconf
li
ctof
i
nter
estbecauset
heRBIi
sthecount
ry'
sbanki
ngr
egul
ator
yaut
hor
it
y.

I
n1959,t
hegov
ernmentpassedt
heSt
ateBankofI
ndi
a(Subsi
diar
yBanks)Act
.Thi
s
madeSBIsubsi
diar
iesofei
ghtt
hathad bel
ongedt
o pr
incel
yst
atespr
iort
othei
r
nat
ional
i
zat
ionandoper
ati
onalt
ake-
overbet
weenSept
ember1959andOct
ober1960,
whi
chmadeei
ghtst
atebanksassoci
atesofSBI
.Thi
sacqui
sit
ionwasi
ntunewi
tht
he
f
ir
stFi
veYearPl
an,whi
chpr
ior
it
isedt
hedev
elopmentofr
uralI
ndi
a.Thegov
ernment
i
ntegr
atedt
hesebanksi
ntot
heSt
ateBankofI
ndi
asy
stem t
oexpandi
tsr
uralout
reach.
I
n 1963 SBImer
ged St
ateBankofJai
pur(
est
.1943)and St
ateBankofBi
kaner
(
est
.1944)
.

SBIhasacqui
redl
ocal
banksi
nrescues.Thef
ir
stwast
heBankofBi
har(
est
.
1911)
,whi
chSBIacqui
redi
n1969,t
oget
herwi
thi
ts28br
anches.Thenexty
earSBI
acqui
redNat
ional
BankofLahor
e(est
.1942)
,whi
chhad24br
anches.Fi
vey
ear
slat
er,
in
1975,SBIacqui
redKr
ishnar
am Bal
deoBank,whi
chhadbeenest
abl
i
shedi
n1916i
n
8
9

Gwal
i
orSt
ate,
undert
hepat
ronageofMahar
ajaMadhoRaoSci
ndi
a.Thebankhadbeen
heDukanPi
t chadi
,asmal
lmoney
lender
,ownedbyt
heMahar
aja.Thenewbank'
sfi
rst
managerwasJal
lN.Br
oacha,aPar
si.I
n1985,SBIacqui
redt
heBankofCochi
nin
Ker
ala,whi
chhad120br
anches.SBIwast
heacqui
rerasi
tsaf
fi
li
ate,t
heSt
ateBankof
Tr
avancor
e,al
readyhadanext
ensi
venet
wor
kinKer
ala.

Ther
ehasbeenapr
oposalt
omer
geal
ltheassoci
atebanksi
ntoSBIt
ocr
eat
ea"
mega
bank"andst
reaml
i
net
hegr
oup'
soper
ati
ons.

Thef
ir
stst
ept
owar
dsuni
fi
cat
ionoccur
redon13August2008whenSt
ateBankof
Saur
asht
ramer
gedwi
thSBI
,reduci
ngt
henumberofassoci
atest
atebanksf
rom sev
en
t
osi
x.Thenon19June2009t
heSBIboar
dappr
ovedt
heabsor
pti
onofSt
ateBankof
I
ndor
e.SBIhol
ds98.
3%i
nSt
ateBankofI
ndor
e.(
Indi
vi
dual
swhohel
dtheshar
espr
iort
o
i
tst
akeov
erbyt
hegov
ernmenthol
dthebal
anceof1.
7%.
)
Theacqui
si
ti
onofSt
ateBankofI
ndor
eadded470br
anchest
oSBI
'
sexi
sti
ngnet
wor
k
ofbr
anches.Al
so,
fol
l
owi
ngt
heacqui
sit
ion,
SBI
'
stot
alasset
swi
l
linchv
erycl
oset
othe
10t
ri
ll
i
onmar
k(10bi
l
li
onl
ongscal
e).Thet
otalasset
sofSBIandt
heSt
ateBankof
I
ndor
est
oodat9,
981,
190mi
l
li
onasofMar
ch2009.Thepr
ocessofmer
gingofSt
ate
BankofI
ndor
ewascompl
etedbyApr
il2010,andt
heSBII
ndor
ebr
anchesst
art
ed
f
unct
ioni
ngasSBIbr
ancheson26August2010.

OnOct
ober7,
2013,
Arundhat
iBhat
tachar
yabecamet
hef
ir
stwomant
obe
appoi
ntedChai
rper
sonoft
hebank.

9
10

4L
2. ogoandsl
ogan
Thel
ogooft
heSt
ateBankofI
ndi
aisabl
ueci
rcl
ewi
thasmal
lcuti
nthebot
tom
t
hatdepi
ctsper
fect
ionandt
hesmal
lmant
hecommonman-bei
ngt
hecent
erof
t
he bank'
s busi
ness.The l
ogo came f
rom Nat
ionalI
nst
it
ute ofDesi
gn(
NID)
,
Ahmedabadandi
twasi
nspi
redbyKankar
iaLake,
Ahmedabad.

Sl
ogans:
"PUREBANKI
NG,
NOTHI
NGELSE"
,"WI
THYOU-ALLTHE
WAY"
,"ABANKOFTHECOMMONMAN"
,"THEBANKERTOEVERY
I
NDI
AN"
,"THENATI
ONBANKSONUS"

10
11

1.
2REVI
EW OFLI
TERATURE

1. Mani
sh Mi
tt
aland Ar
unna Dhademade (
2005) t
hey f
ound t
hat hi
gher
pr
ofi
tabi
l
ityi
sthe onl
y maj
or par
amet
er f
or ev
aluat
ing banki
ng sect
or
per
for
mancef
rom t
heshar
ehol
der
spoi
ntofv
iew.I
tisf
ort
hebankst
ost
ri
kea
bal
ancebet
weencommer
cialandsoci
alobj
ect
ives.Theyf
oundt
hatpubl
i
c
sect
orbanksar
elesspr
ofi
tabl
ethanpr
ivat
esect
orbanks.For
eignbankst
op
t
hel
i
sti
nter
msofnetpr
ofi
tabi
l
ity
.Pr
ivat
esect
orbanksear
nhi
ghernon-
int
erest
i
ncomet
hanpubl
i
csect
orbanks,
becauset
hesebanksof
fermor
eandmor
efee
basedser
vicest
obusi
nesshousesorcor
por
atesect
or.Thust
her
eisur
gent
needf
orpubl
i
csect
orbankst
opr
ovi
desuchser
vicest
ost
andi
ncompet
it
ion
wi
thpr
ivat
esect
orbanks.

2. JhaDK andD SSar

angi(
2011)
:Thef
inanci
alper
for
manceofsev
enpubl
i
c
sect
orandpr
ivat
esect
orbanksdur
ingt
heper
iod2009-
10.Theyusedt
hreeset
s
ofr
ati
o,oper
ati
ngper
for
mancer
ati
o,f
inanci
alr
ati
oandEf
fi
ciencyr
ati
o.The
st
udyr
eveal
edt
hatAxi
sbankwasont
het
opoft
hesebanksf
oll
owedbyI
CICI
,
BOT,
PNB,
SBI
,I
DBIandHDFC.

3. DR.
D.GURUSWAMY,(
2012)
,descr
ibes“
Anal
ysi
sofPr
ofi
tabi
l
ityPer
for
manceof
SBI
”AndI
tsAssoci
ates,t
hepaperanat
tempthasbeenmadet
oanal
yzet
he
pr
ofi
tabi
l
ityper
for
manceofSBIandi
tsassoci
ates.Theobj
ect
ivesoft
hepaper
ar
etost
udyt
hepr
ofi
tabi
l
ityofSBIandI
tsAssoci
atesandt
oanal
yzet
he
pr
ofi
tabi
l
ityper
for
manceofSBIandI
tsAssoci
ates.Thi
spaperi
spr
imar
il
y
basedonsecondar
ydat
a.I
nor
dert
oder
ivet
heopenhandedr
esul
tsf
rom t
he
i
nfor
mat
ion col
l
ect
ed t
hrough secondar
ydat
a,v
ari
ousst
ati
sti
calt
ool
sli
ke
mean,
S.D,
var
iance,
CAGR,
andANOVAhav
ebeenaccompl
i
shed.Thescopeof
t
hepaperi
sconf
inedt
oal
lthebanksofSBIgr
oupf
oradat
aper
iodf
rom 1996-
97 t
o 2007-
08.I
nthe pr
esentpaper
,fort
he pur
pose ofev
aluat
ing t
he
11
12

per
for
mance ofSBIand i
ts associ
ates,f
ive pr
ofi
tabi
l
ityr
ati
os hav
e been
consi
der
ed.Ont
hebasi
sofanal
ysi
sofpr
ofi
tabi
l
ityr
ati
osi
tispr
int
outt
hatal
l
t
hef
iver
ati
osshowsf
luct
uat
ingt
renddur
ingt
hest
udyper
iodi
nal
lthebanks.

4. Dr
.Dhanabhaky
am &M.
kav
itha(
2012)i
nthei
rresear
chusedsomei
mpor
tantr
ati
o
t
oanal
yzet
hef
inanci
alper
for
manceofsel
ect
edpubl
i
csect
orbankssuchasr
ati
oof
adv
ancest
oasset
s,r
ati
oofcapi
talt
odeposi
t,r
ati
oofcapi
talt
owor
kingf
und,r
ati
oof
demanddeposi
ttot
otaldeposi
t,cr
edi
tdeposi
trat
io,r
etur
nonav
eragenetwor
thr
ati
o,
r
ati
oofl
i
qui
dasset
stowor
kingf
undet
c.

4. Br
indadev
i.V(
2013)
,ASt
udyonPr
ofi
tabi
l
ityAnal
ysi
sofPr
ivat
eSect
orBanksI
n
I
ndi
a-Theobj
ect
iveoft
hisst
udywasov
eral
lpr
ofi
tabi
l
ityanal
ysi
sofdi
ff
erent
pr
ivat
esect
orsbanksi
nIndi
abasedont
heper
for
mancesofpr
ofi
tabi
l
ityr
ati
os
l
i
kei
nter
estspr
ead,netpr
ofi
tmar
gin,r
etur
nonl
ongt
ermf
und,r
etur
nonnet
wor
th&r
etur
nonasset
.Pr
ofi
tabi
l
ityi
sameasur
eofef
fi
ciencyandcont
roli
t
i
ndi
cat
es t
he ef
fi
ciencyoref
fect
ivenesswi
th whi
ch t
he oper
ati
onsoft
he
busi
nessar
ecar
ri
edon.Recor
dingpr
ofi
tabi
l
ityf
ort
hepastper
iodorpr
oject
ing
pr
ofi
tabi
l
ityf
ort
hecomi
ngper
iod,
measur
ingpr
ofi
tabi
l
ityi
sthemosti
mpor
tant
measur
eoft
hesuccessoft
hebusi
ness.A busi
nesst
hati
snotpr
ofi
tabl
e
cannotsur
viv
e.

6. Ms.Shi
khaGupt
a(2014)
,AnEmpi
ri
cal
StudyOfFi
nanci
alPer
for
manceOf
I
ciciBank-A Compar
ati
ve Anal
ysi
s,
-The Bank wor
ks cl
osel
y wi
thI
CICI
Foundat
ionacr
ossdi
ver
sesect
orsandpr
ogr
ams.Asof2014i
tist
hesecondl
argest
banki
nIndi
aint
ermsofasset
sandmar
ketcapi
tal
i
zat
ion.I
CICIbankemer
gedasa
pi
oneerv
ent
ureont
hehor
izonofof
fer
inganexpandedr
angeofbanki
ngpr
oduct
sand
f
inanci
alser
vices f
orcor
por
ate and r
etai
lcust
omer
sthr
ough i
ts di
ver
se del
i
ver
y
channel
s and speci
ali
zed subsi
diar
ies i
nthe ar
eas ofi
nvest
ment
.banki
ng,asset
12
13

management
,vent
urecapi
talandi
nsur
ance.I
nthel
i
ghtofi
tsst
rat
egi
cimpor
tancei
n
t
henat
ioni
nter
est
,iti
scr
uci
alt
oev
aluat
ethef
inanci
alper
for
manceoft
heI
CICIBank.
Andt
hepr
esentst
udyf
ocusedonoper
ati
onalcont
rol
,pr
ofi
tabi
l
ityandsol
vencyet
c.
Thi
sresear
chpaperi
sai
medt
oanal
yzeandcompar
etheFi
nanci
alPer
for
manceof
I
CICIBankandof
fersuggest
ionsf
ort
hei
mpr
ovementofef
fi
ciencyi
nthebank.

13
14

3STATEMENTOFTHEPROBL
1. EM

I
ndi
anbanki
ngi
sthel
i
fel
i
neoft
henat
ionandi
tspeopl
e.Bankspl
ayani
mpor
tantr
olei
n
I
ndi
aneconomy
.Iti
ncr
easesGDPar
ound7.
7% andi
tgener
atesempl
oymenti
nthe
economyf
orabout
1.
5mi
l
li
onpeopl
e.Tosust
aint
hedev
elopmentoft
heeconomybanksneedt
ofocuson
f
inanci
alper
for
mance.I
fthebanksar
enotper
for
m wel
litwi
l
laf
fectoncount
ri
es
economy
.ifwet
akeanexampl
eofEur
opeanCent
ralBanki
nGr
eekwecanunder
stand
howi
taf
fect
soncount
ri
eseconomyl
i
kewi
sewehav
emanyexampl
esofbankswhi
ch
ar
ecl
oseddownbecauseofpoorf
inanci
alper
for
mance.Ther
efor
e,t
hisst
udyi
sbased
ont
hef
inanci
alper
for
manceoft
heSt
atebankofI
ndi
atoev
aluat
ethef
inanci
alst
rengt
h
oft
hebank.

1.
4LI
MITATI
ONSOFTHESTUDY

Howev
erIt
ri
edmyl
evelbesti
ncol
l
ect
ingt
her
elev
anti
nfor
mat
ionf
ormyr
esear
ch
r
epor
t,y
ett
her
e ar
e al
way
s some pr
obl
ems f
aced byt
he r
esear
cher
.The pr
ime
di
ff
icul
ti
esIf
acedi
ncol
l
ect
ionofi
nfor
mat
ionar
edi
scussedbel
ow:

• Anal
ysi
soft
hest
udywasdependedonl
yont
hei
nfor
mat
ionav
ail
abl
eint
hei
nter
net
.

• St
udywasr
est
ri
ctedt
otheper
iodof5y
ear
s.
• Det
ail
studywasnotpossi
blebecauseoft
imeconst
rai
nts.
• St
udypr
ocesswasr
est
ri
ctedt
othecompany
’sr
ulesandr
egul
ati
ons.

14
15

1.
5OBJECTI
VESOFTHESTUDY

• Tost
udyt
heav
ail
abl
etool
sandt
echni
quesofst
atebankofI
ndi
a.

• Tost
udyt
hef
inanci
alper
for
manceofSt
ateBankofI
ndi
a.

• Toanal
yzet
hel
i
qui
dit
y,pr
ofi
tabi
l
ityper
for
manceofSBI
.

15
16

5RESEARCHMETHODOL
1. OGY

Thepr
esentst
udyi
sbasedonsecondar
ydat
a.Theanal
ysi
sisbasedonl
i
qui
dit
y,
pr
ofi
tabi
l
ity
,tur
nov
err
ati
owhi
char
ecal
cul
atedwi
tht
hehel
pofdat
afr
om f
inanci
al
st
atement
soft
heSt
ateBankofI
ndi
a.Al
lther
elat
edt
oSt
ateBankofI
ndi
aAudi
tor
s
r
epor
ts,
Int
ernet
,Books,
Jour
nal
s,Magazi
nesandt
hel
i
ke.

SOURCESOFDATA

Dat
aist
hef
act
,fi
gur
esandot
herr
elev
antmat
eri
als,
pastandpr
esent
,ser
vingasbasi
s
f
ort
hest
udyandanal
ysi
s.Thedesi
gnoft
hedat
acol
l
ect
ingmet
hodi
sthebackboneof
r
esear
chdesi
gn.Thesour
cesofdat
aar
evar
ied.I
tdependsupont
henat
ureoft
hest
udy
.
Dat
acanbedi
sti
ngui
shedas:

a)Pr
imar
yDat
a:

Pr
imar
ydat
aist
hedat
acol
l
ect
edf
ort
hef
ir
stt
imeexcl
usi
vel
yfort
hepur
poseof
achi
evi
ngt
heobj
ect
soft
hepr
ojectwor
k.I
nthi
scaset
hef
eedbackr
ecei
vedf
rom t
he
r
espondentof
fi
cer
sthr
oughi
ssueofst
ruct
uredquest
ionnai
ret
othechosensampl
eis
t
hepr
imar
ydat
awhi
chi
sbeencol
l
ect
ed.

b)Secondar
yDat
a:

Secondar
ydat
aist
hedat
awhi
chi
sal
readycol
l
ect
ed.I
nthi
scaset
hesour
cesar
e
col
l
ect
edt
hroughwebsi
tes,
cat
aloguesofbank,
newspaper
s,magazi
nes

16
17

• SWOTAnal
ysi
s

1.Thebi
ggestbanki
nthecount
ry2.Hasasepar
ateactf
or
i
tsel
f.Thus,
aspeci
alpr
ivi
l
ege.
3. Bi
ggestbr
anchnet
wor
k i
n t
he count
ry
4. Fi
rstpubl
i
csect
ort
omov
etoCBS
St
rengt
h

1. Huge amount of st
aff
2. Expect
edt
oexper
iencehi
ghl
evel
ofat
tri
ti
onduet
o
r
eti
rementofi
tst
opmanagement
Weakness 3. St
il
lcar
ri
est
hei
mageoft
heol
dGov
t.sect
orbank

1. Pool
int
alentt
orepl
acet
hegoi
ngt
opmanagementt
o
ser
vet
henextgener
ati
on
2. Makebet
teruse of i
ts CRM
Oppor
tuni
ty 3. Expansi
oni
ntor
ural
areas

1. Consol
i
dat
ion amongpr
ivat
e banks
2. New bank l
i
censes by RBI
Thr
eat
s 3. For
eignbankst
hathav
esophi
sti
cat
edpr
oduct
s

17
18

Funct
ionofBank

Theacthasi
dent
if
iedv
ari
ousf
unct
ionofaBankunderf
oll
owi
ngt
wowor
ds

Pr
imar
yFunct
ions

Secondar
yFunct
ions

1.Pr
imar
yFunct
ion

a)Accept
anceofdeposi
ts

Thebankcol
l
ect
sdeposi
tsf
rom t
hepubl
i
c.Thesedeposi
tscanbeof
dif
fer
ent
t
ypes,
suchas
• Savi
ngsDeposi
ts.
• Fi
xedDeposi
ts.
18
19

• Cur
rentDeposi
ts.
• Recur
ri
ngDeposi
ts.

b)Gr
ant
ingofadv
ances

Thebankadv
ancesl
oanst
othebusi
nesscommuni
tyandot
hermember
sof
t
hepubl
i
c.Ther
atechar
gedi
shi
ghert
hanwhati
tpay
sondeposi
ts.The
di
ff
erencei
nthei
nter
estr
ates(
lendi
ngr
ateandt
hedeposi
trat
e)i
sit
spr
ofi
t.
Thet
ypesofbankl
oansandadv
ancesar
e,

• Ov
erdr
aft
.
• CashCr
edi
ts.
• Loans.
• Di
scount
ingofbi
l
lsofex
change.

2.Secondar
yFunct
ions

a)AgencySer
vices

Thebankact
sasanagentofi
tscust
omer
s.Thebankper
for
msanumberof
agencyf
unct
ionswhi
chi
ncl
udes,
• Tr
ansf
erofFunds.
• Col
l
ect
ionofCheques.
• Per
iodi
cPay
ment
s.
• Por
tfol
i
oManagement
.
• Per
iodi
cCol
l
ect
ions.
• Ot
herAgencyFunct
ions.

b)Gener
alut
il
it
ySer
vices

Thebankal
soper
for
msgener
alut
il
it
yfunct
ions,
suchas
•I
ssueofDr
aft
s,Let
terofCr
edi
ts,
etc.
19
20

• LockerFaci
l
ity
.
• Under
wri
ti
ngofShar
es.
• Deal
i
ngi
nFor
eignExchange.
• Pr
ojectRepor
ts.
• Soci
alWel
far
ePr
ogr
ammes.
• Ot
herUt
il
it
yFunct
ions.

Thi
sBanki
ngr
egul
ati
onactof1949pr
ovi
dedacl
earf
orm ofwor
kwi
thi
nwhi
cht
he
Bankswer
erequi
redt
ooper
ate.Af
ter1955t
hei
mper
ialBankwasnat
ional
i
zedand
changedt
ost
ateBankofI
ndi
abypassi
ngst
ateBankofI
ndi
aact1955.Lat
ert
he
pr
essofnat
ional
i
zedofpopul
arandsuccessf
ulBankswasunder
takeni
ntwo
st
ages,t
hati
soncedur
ingt
hey
ear1969andot
hert
imedur
ing1980.TheBanks
whi
chwer
eoper
ati
ngi
nsmal
lregi
onaluni
tst
heywer
egi
vent
hesuppor
ttoi
ncr
ease
t
hei
rbr
anchnet
wor
kthr
oughnat
ional
i
zed.Thi
snat
ional
i
zat
ionhashel
pedt
othe
Bankst
oreacht
hecur
rentst
age.

20
21

DATAANALYSI
SandI
NTERPRETATI
ON

Basi
cEar
ningsperShar
eRat
io

Thet
abl
eshowi
ngt
heBasi
cEar
ningsperShar
eRat
ioofSBI

(
BaseYear2015-
16)

Year Rat
io Tr
endAnal
ysi
s

2015- 12.
98 100.
00
16
2016- 13.
43 103.
47
17
2017- -
7.67 -
59.
09
18
2018- 0.
97 7.
47
19
2019- 16.
23 125.
04
20

Gr
aphNo.5.
1

Rat
i
2
0

1
5

1
0 Rat
i

0
2015- 2016- 2017- 2018- 2019-
-
5

-
10
I
nfer
ence:From t
heabov
etabl
e1,
itcanbeanal
yzedt
hat
,dur
ing2017-
18t
he

21
22

companyhadt
hel
owestbasi
cear
ningsperr
ati
oanddur
ing2019-
20t
hecompanyi
s
hav
inghi
ghestr
ati
o.Hence,
thecompany
’sgr
owt
hisi
ncr
easedby25%dur
ing5y
ear
s.

22
23

Tabl
eNo.5.
2:Ret
urnonAsset
s

Thet
abl
eshowi
ngt
heRet
urnonAsset
sofSBI

(
Basey
ear2015-
16)

Year Rat
io Tr
endAnal
ysi
s

2015-
16 0.
42 100.
00

2016-
17 0.
38 90.
48

2017-
18 -
0.18 -
42.
86

2018-
19 0.
02 4.
76

2019-
20 0.
36 85.
71

Gr
aphNo.5.
2

Rat
i
0.
5
0.
4
0.
3
Rat
i
0.
0
2015- 2016- 2017-
18 2018-
19 2019-
20
-

-
0.
2

-
I
nfer
ence:From t
heabov
etabl
e2,i
tisdet
ermi
nedt
hat
,dur
ingt
hest
udyper
iod
t
he r
etur
n on asset
s has been decr
eased and t
he gr
owt
h oft
he companyi
s
decr
easedby14.
29%dur
ing5y
ear
s.

23
24

Tabl
eNo.5.
3:NetPr
ofi
tMar
ginRat
io

Thet
abl
eshowi
ngt
heNetPr
ofi
tMar
ginRat
ioofSBI

(
BaseYear2015-
16)

Year Rat
io Tr
endAnal
ysi
s

2015-
16 6.
06 100.
00

2016-
17 5.
97 98.
51

2017-
18 -
2.96 -
48.
84

2018-
19 0.
35 5.
78

2019-
20 5.
63 92.
90

Gr
aphNo.5.
3

Rat
i
7
6
5
4
3
2
1 Rat
i
0
- 2015- 2016- 2017-
18 2018-
19 2019-
20
1
-
2
-

I
nfer
ence:From t
heabov
etabl
e3,i
tcanbenot
edt
hat
,dur
ing5y
ear
sthecompany
i
s hav
ingl
owestnetpr
ofi
tmar
ginr
ati
oint
hey
ear2017-
18andgr
adual
l
yincr
easedi
n
t
hey
ear2019-20.
24
25

Tabl
eNo.5.
4:I
ncomet
oTot
alAsset
s

Thet
abl
eshowi
ngi
nter
estI
ncomet
oTot
alAsset
sofSBI

(
BaseYear2015–16)

Year Rat
io Tr
endAnal
ysi
s

2015-
16 6.
95 100.
00

2016-
17 6.
48 93.
24

2017-
18 6.
38 91.
80

2018-
19 6.
59 94.
82

2019-
20 6.
51 93.
67

Gr
aphNo.5.
4

Rat
i
7
6.
9
6.
8
6.
7 Rat
i
6.
6
6.
5
6.
4
2015-
16 2016-
17 2017-
18 2018-
19 2019-

25
26

I
nfer
ence:From t
heabov
etabl
e4,
itcanbest
atedt
hat
,dur
ing5y
ear
sthecompany
hadt
hel
owesti
ncomet
otot
alasset
si.
e93.
24i
nthey
ear2017-
18andi
nthey
ear2018-
19i
thasi
ncr
easedby94.
82andi
nthey
ear2019-
20t
hecompanyagai
ndecr
easedby
93.
67.

26
27

Tabl
eNo.5.
5:NetPr
ofi
tperShar
eRat
io

Thet
abl
eshowi
ngt
heNetPr
ofi
tperShar
eRat
ioofSBI

(
BaseYear2015-
16)

Year Rat
io Tr
endAnal
ysi
s
2015-
16 12.
82 100.
00
2016-
17 13.
15 102.
57
2017-
18 -
7.34 -
57.
25
2018-
19 0.
97 7.
57
2019-
20 16.
23 126.
60

Gr
aphNo.5.
5

Rat
i
2
0

1
5

1
0 Rat
i

0
2015- 2016- 2017- 2018- 2019-
-
5

-
10

I
nfer
ence:From t
heabov
etabl
e5,i
tcanbei
nter
pret
edt
hat
,dur
ing5
y
ear
sthecompanyi
shav
ingt
hel
owestnetpr
ofi
tpershar
eint
hey
ear2017-
18andi
nthey
ear2019-
20t
hecompanyi
shav
inghi
ghestr
ati
o.

27
28

No.5.
6:Ret
ent
ionRat
io

Thet
abl
eshowi
ngRet
ent
ionRat
ioofSBI

(
BaseYear2015-
16)

Year Rat
io Tr
endAnal
ysi
s

2015-
16 79.
71 100.
00

2016-
17 79.
88 100.
21

2017-
18 100 125.
45

2018-
19 100 125.
45

2019-
20 100 125.
45

Gr
aphNo.5.
6

Rat
i
12
0

10
0

80
Rat
i
4
0

2
0
2015- 2016- 2017- 2018- 2019-

I
nfer
ence:

Fr
om t
heabov
etabl
e6,
itcanbei
nfer
redt
hat
,thecompanyhadt
heconst
ant
r
ati
oint
hey
ear2017-
18,
2018-
19and2019-
20dur
ing5y
ear
s.

28
29

7:Di
vi
dendperShar
e

Thet
abl
eshowi
ngt
heDi
vi
dendperShar
eofSBI

(
BaseYear2015-
16)

Year Rat
io Tr
endAnal
ysi
s

2015-
16 2.
6 100

2016-
17 2.
6 100

2017-
18 0 000

2018-
19 0 000

2019-
20 0 000

Gr
aphNo.5.
7

Rat
i
3

2.
5

1. Rat
i
1

0.
5

0 2015- 2016- 2017- 2018- 2019-

I
nfer
ence:From t
heabov
etabl
e7,
itcanbeunder
stoodt
hat
,int
hef
ir
st2y
ear
sthe
companyhadequaldi
vi
dendpershar
eandi
nthenext3y
ear
sthecompanyhadno
di
vi
dendpershar
edur
ing5y
ear
s.

29
30

8:Cur
rentRat
io

Thet
abl
eshowi
ngt
heCur
rentRat
ioofSBI

(
BaseYear2015-
16)

Year Rat
io Tr
endAnal
ysi
s

2015-
16 0.
81 100.
00

2016-
17 0.
73 90.
12

2017-
18 0.
71 87.
65

2018-
19 0.
75 92.
59

2019-
20 0.
74 91.
36

Gr
aphNo.5.
8

Rat
i
0.
8
2
0.
8
0.
7
8
0.
7
Rat
i
0.
7
2
0.
7
0.
6
8
2015- 2016- 2017- 2018- 2019-

I
nfer
ence:

Fr
om t
heabov
etabl
e8,
itcanbei
nfer
redt
hat
,dur
ing5y
ear
sthecompany
hadt
hel
owestcur
rentr
ati
oint
hey
ear2017-

30
31

FI
NDI
NGS,
SUGGESTI
ONSANDCONCLUSI
ON

6.
1FI
NDI
NGS

• Thest
udyofcompar
ati
vest
udy
,commonsi
zeanal
ysi
sandt
rendanal
ysi
sisv
ery
good.

• Thepr
ofi
tabi
l
ityposi
ti
onoft
heSBIi
snotgood.

• Theval
ueofcur
rentr
ati
oofSBIi
sir
regul
ary
earaf
tery
ear
.

• Thenetpr
ofi
tpershar
erat
ioi
sincr
easedi
nthey
ear2019-
20.

• Thecompanyneedst
olowert
hedeposi
tsandi
tshoul
dincr
easet
hel
oans.

• Ther
etent
ionr
ati
oindi
cat
est
heequal
rat
ioi
nthey
ear2017-
18t
o2019-
20.

• Thedi
vi
dendpershar
eshowsnov
aluei
nthey
ear2017-
18t
o2019-
20.

• TheBasi
cEar
ningspershar
eisi
ncr
easedby25%dur
ing5y
ear
sandi
nthey
ear
2017-
18i
thast
hel
owestear
nings.

• TheRet
urnonAsset
sisdecr
easedby14.
29%i
nthest
udyof5y
ear
s.

• TheNetpr
ofi
tmar
ginr
ati
ohast
hel
owestshar
eint
hey
ear2017-
18andi
tis
decr
easedby7.
1%i
nthey
ear2019-
20.

• I
ncomet
otot
alAsset
shasnonegat
ivev
alueandi
tisdecr
easedby6.
33%dur
ing5
y
ear
s.

• Shar
ecapi
tal
isi
ncr
easedby14.
97%dur
ingt
hest
udyper
iod.

• Reser
vesandsur
plusi
sincr
easedby61%dur
ing5y
ear
s.

• Deposi
tsar
eincr
easedby87%i
nthey
ear2019-
20.
31
32

• Li
abi
l
ityandPr
ovi
sionsar
eincr
easedby2%dur
ing5y
ear
s.

• Fi
xedAsset
swer
elowesti
nthey
ear2019-
20.

• LoansandAdvancesar
eincr
easi
ngy
earaf
tery
eari
nthest
udyper
iod.

• I
nvest
ment
sar
eincr
easedby81%dur
ing5y
ear
s.

• Ot
herAsset
sar
eincr
easedev
eryy
eardur
ing5y
ear
s.

• I
nter
estEar
nedi
sincr
easedby56%i
nthey
ear2019-
20.

32
33

6.
2SUGGESTI
ONS

• Decl
i
nei
npr
ofi
tabi
l
ityoft
hebanki
ngsy
stem duet
oincr
easi
ngi
ndeposi
tsand
bor
rowi
ngsanddecr
easi
ngi
nloansandadv
ances.

• Theper
for
manceoft
hecompanywi
l
laf
fectt
hepr
ofi
tabi
l
ityofSBI
.

• Bankhasf
all
enaper
cent
agei
nthey
ear2017-
18f
rom t
hel
ast5y
ear
s.

• I
tmi
ghti
ndi
cat
ethatt
hecompanycannol
ongeraf
for
dtopaydi
vi
dend.

• Thecompanyhasl
owcur
rentr
ati
osoi
tshoul
dincr
easei
tscur
rentr
ati
owher
eit
canmeeti
tsshor
tter
m obl
i
gat
ionsmoot
hly
.

• Thebankshoul
dmakeef
for
tst
oincr
easet
her
etent
ionr
ati
ofori
tsf
urt
her
gr
owt
handdev
elopment
.

• Thebankbasi
cear
ningspershar
eist
remendousl
yincr
easedandi
tisadv
ised
t
hati
tshoul
dbecont
inuedf
ort
hef
oll
owi
ngy
ear
s.

• Thebankhast
otakenecessar
yst
epst
oimpr
ovet
her
etur
nonasset
s.

33
34

6.
3CONCLUSI
ON

A soundf
inanci
alsy
stem i
sindi
spensabl
eforaheal
thyandv
ibr
anteconomy
.The
per
for
manceofanyeconomyi
stol
argestext
entdependentont
heper
for
manceoft
he
banki
ngsect
or.Bankspl
ayakeyr
olei
nimpr
ovi
ngeconomi
cef
fi
ciencybychannel
i
ng
f
unds f
rom r
esour
ces sur
plus uni
ttot
hose wi
th bet
terpr
oduct
ivei
nvest
ment
oppor
tuni
ti
es.Thef
inanci
alsy
stem i
sdomi
nat
edbybanki
ngi
ndust
ry.Howev
er,t
he
banki
ngsect
ori
sver
yimpor
tantf
ort
heeconomi
cdev
elopmentofacount
ry.TheSBIi
s
oneoft
hel
eadi
ngbanksofPubl
i
csect
orBanki
nIndi
a.Themar
ketposi
ti
onofSBIi
s
bet
teri
nthey
ear2019-
20dur
ingl
ast5y
ear
s.Accor
dingt
othi
spr
ojectIcamet
oknow
t
hatf
rom t
heanal
ysi
soff
inanci
alper
for
mancei
tiscl
eart
hatSBIhadbeeni
ncur
redt
he
l
ossdur
ingt
hey
ear2017-
18.Sot
hecompanyshoul
dfocusonget
ti
ngpr
ofi
tsi
nthe
comi
ngy
ear
s.

34
35

•BI
BLI
OGRAPHY

REFERENCE:

1.Mani
shMi
tt
alandAr
unnaDhademade(
2005)
,“ACompar
ati
vest
udyonpr
ofi
tabi
l
ity
andpr
oduct
ivi
tyi
nIndi
anBanks”
,ISBN-
978-
81-
7446-
983-
0.

2.JhaDK andD SSar

angi(
2011)
,“A compar
ati
vest
udyonper
for
manceofnew
gener
ati
on banksi
nIndi
a”I
nter
nat
ionalj
our
nalofr
esear
ch i
n commer
ce and
management
,vol
ume:
2,no.
1.

Ar
ti
cle:

Hist
oryofBanki
ngi
nIndi
ainBr
ief(
Bef
ore&Af
terI
ndependence)
,Neer
ajMi
shr
a,17thFeb
2019.

Annual
repor
tofSTATEBANKOFI
NDI
A2016-2020

Websi
tes:

www.
kal
yan-
cit
y.bl
ogspot
.com

www.
wiki
pedi
a.or
g

www.
sli
deshar
e.net

35
36

Annexur
e

1.
Sincehowmanyy
ear
syouhav
eanaccountwi
thSBI?
[oney
ear] [t
woy
ear] [t
hreey
ear]
[f
oury
ear] [f
ivey
ear] [mor
ethanf
ivey
ear]

2.Ar
eyouawar
eofpr
oductandser
vicespr
ovi
dedbySBI?
[]y
es []no

3.Onwhi
chbanky
oudependf
ory
ourr
egul
art
ransact
ion?
[]SBI []I
CICI []HDFC []Ot
herbank

4.Whatki
ndofaccountdoy
oumai
ntai
nwi
tht
hisbank?
[]Cur
rentaccount []Sav
ingaccount
[]Loanaccount []D-
Mataccount
[]Cr
edi
taccount

5.Whi
choft
hef
oll
owi
ngf
aci
l
iti
eshav
egi
venmor
eimpor
tancei
nyourbank?
[]Loanf
aci
l
ity []O/
Dfaci
l
ity
[]ATM f
aci
l
ity []Cr
edi
tcar
dfaci
l
ity
[]Ot
herf
aci
l
ity

6.I
sitgoodt
oinv
esti
nsbi
shar
es?
[]y
es []no

7.HowcanSBIi
ncr
easei
t'
sRat
eOfAsset
s?
[]I
ncr
easeneti
ncome []Decr
easet
otal
asset
s
[]I
mpr
ovet
heef
fi
ciencyofcur
rentasset
s
[]I
mpr
ovet
heef
fi
ciencyoff
ixedasset
s

8.Whati
sagoodr
etent
ionr
ati
o?
[]Bel
ow20% []Abov
e20%
[]25% []35%

36
37

9.DoesSBIpaypr
operdi
vi
dendt
othei
rshar
ehol
der
s?
[]y
es []no

10.Doy
out
hinkSBIcat
ersal
lyourbanki
ngneeds?
[]y
es []no

37