comparision icici hdfc

8/18/2019 comparision icici hdfc

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A COMPARATIVE STUDY ON FINANCIAL EFFICIENCY OF ICICI AND HDFC BANK

DEFINITION OF BANK

Banking Means "Accepting Deposits for the purpose of lending or Investment of deposits of

money from the public, repayable on demand or otherwise and withdraw by cheque, draft or

otherwise" ! Banking Companies Reg!"a#ion$ A%#& '()(

ORI*IN OF THE +ORD , BANK” -.

he origin of the word bank is shrouded in mystery According to one view point the Italian

business house carrying on crude from of banking were called banchi bancheri" According to

another viewpoint banking is derived from #erman word "Branck" which mean heap or mound

In $ngland, the issue of paper money by the government was referred to as a raising a bank

ORI*IN OF BANKIN*-

Its origin in the simplest form can be traced to the origin of authentic history After recogni%ing

the benefit of money as a medium of e&change, the importance of banking was developed as it

provides the safer place to store the money his safe place ultimately evolved in to financial

institutions that accepts deposits and make loans ie, modern commercial banks

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BANKIN* SYSTEM IN INDIA

'ithout a sound and effective banking system in India it cannot have a healthy economy he

banking system of India should not only be hassle free but it should be able to meet new

challenges posed by the technology and any other e&ternal and internal factors (or the past three

decades India)s banking system has several outstanding achievements to its credit he most

striking is its e&tensive reach It is no longer confined to only metropolitans or cosmopolitans in

India In fact, Indian banking system has reached even to the remote corners of the country his

is one of the main reasons of India)s growth process

HISTORY OF BANKIN* IN INDIA

Banking in India has its origin as early or *edic period It is believed that the transitions from

many lending to banking must have occurred even before Manu, the great +indu furriest, who

has devoted a section of his work to deposit and advances and laid down rules relating to the rate

of interest During the mogul period, the indigenous banker played a very important role in

lending money and financing foreign trade and commerce

During the days of the $ast India ompany it was the turn of agency house to carry on the

banking business he #eneral Bank of India was the first -oint stock bank to be established in

the year ./01 he other which followed was the Bank of +industan and Bengal Bank he Bank

of +industan is reported to have continued till .231

'hile other two failed in the meantime In the first half of the .2th century the $ast India

ompany established there banks, the bank of Bengal in .032, the Bank of Bombay in .043 and

the Bank of Bombay in.045 hese three banks also known as the 6residency banks were the

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independent units and functioned well hese three banks were amalgamated in .273 and new

bank, the Imperial Bank of India was established on 7/th 8anuary, .27. 'ith the passing of the

9tate Bank of India Act in .2:: the undertaking of the Imperial Bank of India was taken over by

the newly constituted 9BI he ;eserve Bank of India ational Bank ?td, Bank of India ?td, Bank of

Baroda ?td, anara Bank ?td on .2th 8uly .212, .4 ma-or banks of the country were

nationali%ed and on .:th April .203, 1 more commercial private sector banks were taken over by

the government

he first bank in India, though conservative, was established in ./01 (rom ./01 till today,the

-ourney of Indian Banking 9ystem can be segregated into three distinct phases hey areas

mentioned below@

$arly phase from ./01 to .212 of Indian Banks

>ationali%ation of Indian Banks and up to .22. prior to Indian banking sector ;eforms

>ew phase of Indian Banking 9ystem with the advent of Indian (inancial Banking

9ector ;eforms after .22.

P/ase I

he #eneral Bank of India was set up in the year ./01 >e&t come Bank of +industan and

Bengal Bank he $ast India ompany established Bank of Bengal


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9even banks forming subsidiary of 9tate Bank of India was nationali%ed in .213 on .2th 8uly,

.212, ma-or process of nationali%ation was carried out It was the effort of the then 6rime

Minister of India, Mrs Indira #andhi .4 ma-or commercial banks in the country were

nationali%ed 9econd phase of nationali%ation Indian Banking 9ector ;eform was carried out in

.203 with seven more banks his step brought 03 of the banking segment in India under

#overnment ownership

he following are the steps taken by the #overnment of India to ;egulate Banking

Institutions in the ountry@ .242@ $nactment of Banking ;egulation Act

.2::@ >ationali%ation of 9tate Bank of India

.2:2@ >ationali%ation of 9BI subsidiaries

.21.@ Insurance cover e&tended to deposits

.212@ >ationali%ation of .4 ma-or banks

.2/.@ reation of credit guarantee corporation

.2/:@ reation of regional rural banks

.203@ >ationali%ation of seven banks with deposits over 733 crore

After the nationali%ation of banks, the branches of the public sector bank India rose to

appro&imately 033 in deposits and advances took a huge -ump by ..,333

Banking in the sunshine of #overnment ownership gave the public implicit faith and immense

confidence about the sustainability of these institutions

P/ase III

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his phase has introduced many more products and facilities in the banking sector in its reforms

measure In .22., under the chairmanship of M >arasimhama, a committee was set up by his

name which worked for the liberali%ation of banking practices he country is flooded with

foreign banks and their AM stations $fforts are being put to give a satisfactory service to

customers 6hone banking and net banking is introduced he entire system became more

convenient and swift ime is given more importance than money he financial system of India

has shown a great deal of resilience It is sheltered from any crisis triggered by any e&ternal

macroeconomics shock as other $ast Asian ountries suffered his is all due to a fle&ible

e&change rate regime, the foreign reserves are high, the capital account is not yet fully

convertible, and banks and their customers have limited foreign e&change e&posure

BANKS IN INDIA

In India the banks are being segregated in different groups $ach group has their own benefits

and limitations in operating in India $ach has their own dedicated target market (ew of them

only work in rural sector while others in both rural as well as urban Many even are only catering

in cities 9ome are of Indian origin and some are foreign players

All these details and many more is discussed over here he banks and its relation with the

customers, their mode of operation, the names of banks under different groups and other such

useful informations are talked about

Ene more section has been taken note of is the upcoming foreign banks in India he ;BI has

shown certain interest to involve more of foreign banks than the e&isting one recently his step

has paved a way for few more foreign banks to start business in India

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BANKIN* STRUCTURE IN INDIA

SCHEDULED BANKS IN INDIA

'$ S%/e0!"e0 Comme1%ia" Banks

P!2"i% Se%#o1 Banks P1i3a#e Se%#o1 Banks Fo1eign Banks In

In0ia

Regiona" R!1a"

Banks

45$ 46$ 4($ (6$

>ationali%ed

Bank

Ether 6ublic

9ector Banks

ew 6rivate

Banks

4$ S%/e0!"e0 Coope1a#i3e Banks

S%/e0!"e0 U12an Coope1a#i3e Banks S%/e0!"e0 S#a#e Coope1a#i3e Banks

P!2"i% Se%#o1 Bank

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6ublic sector banks are those banks which are owned by the #overnment he #ovt runs these

Banks In India .4 banks were nationali%ed in .212 in .203 another 1 banks were also

nationali%ed herefore in .203 the number of nationali%ed bank is 73 At present there are total

71 6ublic 9ector Banks in India DE;$ A?9E M$;#$D ;$$>?G= belong to 9BI associates group

and . bank


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hese banks are owned and run by the private sector *arious banks in the country such as III

Bank, +D( Bank etc An individual has control over their banks in preparation to the share of

the banks held by him

6rivate banking in India was practiced since the beginning of banking system in India he first

private bank in India to be set up in 6rivate 9ector Banks in India was IndusInd Bank It is one of

the fastest growing Bank 6rivate 9ector Banks in India IDBI ranks the tenth largest development

bank in the world as 6rivate Banks in India and has promoted world class institutions in India

he first 6rivate Bank in India to receive an in principle approval from the ;eserve Bank of

India was +ousing Development (inance orporation ?imited, to set up a bank in the private

sector banks in India as part of the ;BI)s liberali%ation of the Indian Banking Industry It was

incorporated in August .224 as +D( Bank ?imited with registered office in Mumbai and

commenced operations as 9cheduled ommercial Bank in 8anuary .22: I># *ysya, yet another

6rivate Bank of India was incorporated in the year .253

Private sector banks have been subdivided into following 2 categories:-

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Old Private Sector a!"#

• a!" o$ %a&a#t'a! Ltd(

• Cat'olic S)ria! a!" Ltd(

• Cit) *!io! a!" Ltd(• +'a!la"#',i a!" Ltd(

• Federal a!" Ltd(

• I-G .)#)a a!" Ltd(

• /a,,0 a!d a#',ir a!"

Ltd(

• ar!ata"a a!" Ltd(

• ar0r .)#)a a!" Ltd(

• La"#',i .ila# a!" Ltd(• -ai!ital a!" Ltd(

• %at!a"ar a!" Ltd(

• SI Co,,ercial a!d

I!ter!atio!al a!" Ltd(

• So0t' I!dia! a!" Ltd(

• a,il!ad Merca!tile a!"

Ltd(

•

*!ited e#ter! a!" Ltd(

Ne9 P1i3a#e Se%#o1 Banks

• Bank of 6un-ab ?td


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AB> AM;E Bank >*

Abu Dhabi ommercial

Bank ?td

American $&press Bank

Antwerp Diamond Bank

Arab Bangladesh Bank

Bank International

Indonesia

Bank of America

Bank of Bahrain Fuwait

Bank of eylon

Bank of >ova 9cotia

Bank of okyo Mitsubishi

C(8

Barclays Bank

B>6 6aribas

alyon Bank

hina rust ommercial

Bank

+9B


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itibank

DB9 Bank

Deutsche Bank

Coope1a#i3e 2anks in In0ia

he ooperative bank is an important constituent of the Indian (inancial 9ystem, -udging by the

role assigned to cooperative, the e&pectations the cooperative is supposed to fulfill, their number,

and the number of offices the cooperative bank operate hough the cooperative movement

originated in the 'est, but the importance of such banks have assumed in India is rarely

paralleled anywhere else in the world he cooperative bank in India plays an important role

even today in rural financing he businesses of cooperative bank in the urban areas also have

increased phenomenally in recent years due to the sharp increase in the number of primary co!

operative banks ooperative Banks in India are registered under the o!operative 9ocieties Act

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he cooperative bank is also regulated by the ;BI hey are governed by the Banking

;egulations Act .242 and Banking ?aws


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sector of ;egional ;ural Banks in India It provides and regulates credit and gives service for the

promotion and development of rural sectors mainly agriculture, small scale industries, cottage

and village industries, handicrafts It also finance rural crafts and other allied rural economic

activities to promote integrated rural development It helps in securing rural prosperity and its

connected matters

SINDHANUR URBAN SOUHARDA CO.OPERATIVE BANK

9indhanur Crban 9ouharda o!operative Bank, popularly known as 9CE BA>F is the first of

its kind in rural banks of India he impressive story of its inception is interesting and inspiring

for all the youth of this country

UNITED BANK OF INDIA

Cnited Bank of India


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he first Bank in >orthern India to get I9E 2337 certification

for their selected branches

6un-ab and 9ind

Bank

he first Indian Bank to have been started solely with Indian capital 6un-ab >ational

Bank

he first among the 6rivate 9ector Banks in Ferala to become

9cheduled Bank in .241 under the ;BI act

9outh Indian

Bank

Indias oldest, largest and the most successful commercial bank

offering the widest possible range of domestic, international and >;I

products and services, through its vast network in India and overseas

9tate Bank of

India

Indias second largest 6rivate 9ector Bank and is now the largest

scheduled commercial bank in India

he (ederal Bank

?imited

Bank which started as 6rivate 9hareholders Banks, mostly $uropean

shareholders

Imperial Bank of

India

he first Indian Bank to open a branch outside India in ?ondon in .241

and the first to open a branch in continental $urope at 6aris in .2/4

Bank of India,

(ounded in .231

in Mumbai

he oldest 6ublic 9ector Bank in India having branches all over India

and serving the customers for the last .57 years

Allahabad Bank

INDIAN BANKIN* INDUSTRY



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he Indian banking market is growing at an astonishing rate, with Assets e&pected to reach C9.

trillion by 73.3 An e&panding economy, middleclass, and technological innovations are all

contributing to this growth

he countrys middle class accounts for over 573 million 6eople In correlation with the growth

of the economy, rising income levels, increased standard of living, and affordability of banking

products are promising factors for continued e&pansion

he Indian banking Industry is in the middle of an I revolution, focusing on the e&pansion of

retail and rural banking 6layers are becoming increasingly customer !centric in their approach,

which has resulted in innovative methods of offering new banking products and services

Banks are now reali%ing the importance of being a big player and are beginning to focus their

attention on mergers and acquisitions to take advantage of economies of scale andJor comply

with Basel II regulation

KIndian banking industry assets are e&pected to reach C9. trillion by 73.3 and are poised to

receive a greater infusion of foreign capital,L says 6rathima ;a-an, analyst in elent)s banking

group and author of the report

Khe banking industry should focus on having a small number of large players that can compete

globally rather than having a large number of fragmented players

4


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KA EM6A;AI*$ 9CDG E> +$ (I>A>IA? $((II$>G E( III BA>F

A>D +D( BA>F ?D

4


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he present study is undertaken to highlight the comparative on financial performance of III

BA>F and +D( BA>F he study is mainly approached from the point of view of III

BA>F and +D( It doesnt consider others view III Bank, being the best bank in India has

been selected for the study

It rises to the level of 7nd largest bank in India in term of net assets after the merger of III

with III Bank It has a wide range of products and services It has great prospects in retail

finance

It has pioneered a multi!channel distribution strategy in India, giving 74 hours and / days a week

access to banking services he ma-or criteria for analysis are priority sector and public sector,

foreign e&change, cost and e&penditure, profitability and so on

4


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his study is mostly based on secondary data he data were collected from the annual report of

both III BA>F and +D( BA>F In addition to the records of the bank, data were also

collected from banking bulletin, websites, newspapers, maga%ines and the like

4


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hapter . I>;EDCIE>

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hapter : 9CMMA;G E( (I>DI>#9, 9C##$9IE>9 A>D E>?C9IE>

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In the .223s, III transformed its business from a development financial institution offering

only pro-ect finance to a diversified financial services group, offering a wide variety of products

and services, both directly and through a number of subsidiaries and affiliates like III Bank

In .222, III become the first Indian company and the first bank or financial institution from

non!8apan Asia to be listed on the >G9$

In 7333, III Bank became the first Indian bank to list on the >ew Gork 9tock $&change with

its five million American depository shares issue generating a demand book .5 times the offer

si%e In Ectober 733., the Boards of Directors of III and III Bank approved the merger of

III and two of its wholly owned retail finance subsidiaries, III 6ersonal (inancial 9ervices

?imited and III apital 9ervices ?imited, with III Bank

he merger was approved by shareholders of III and III Bank in 8anuary 7337, by

the +igh ourt of #u-arat at Ahmedabad in March 7337 and by the +igh ourt of 8udicature at

Mumbai and the ;eserve Bank of India in April 7337

In 7330, following the 7330 financial crisis, customers rushed to III AMs and branches in

some locations due to rumors of adverse financial position of III Bank he ;eserve Bank of

India issued a clarification on the financial strength of III Bank to dispel the rumors

ACUISITIONS

• .221@ 9II ?td A diversified financial institution with headquarters in Mumbai


https://en.wikipedia.org/wiki/Gujarat_High_Courthttps://en.wikipedia.org/wiki/Gujarat_High_Courthttps://en.wikipedia.org/wiki/2008_financial_crisishttps://en.wikipedia.org/wiki/Gujarat_High_Courthttps://en.wikipedia.org/wiki/2008_financial_crisis


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• .22/@ I lassic (inance incorporated in .201, I lassic was a non!bank financial

firm that engaged in hire, purchase, and leasing operations At the time of being acquired,

I lassic had eight offices, 71 outlets, and /33 brokers

• .220@ Anagram A#;AM= (inance Anagram had built up a network of some :3

branches in #u-arat, ;a-asthan, and Maharashtra that were primarily engaged in retail

financing of cars and trucks It also had some 7:3,333 depositors

• 733.@ Bank of Madurai

• 7337@ he Dar-eeling and 9himla branches of #rindlays Bank

• 733:@ Investitsionno!Freditny Bank adu, #oa, and Delhi Its branches were relatively evenly split between

metropolitan areas and rural or semi!urban areas

• 73.3@ he Bank of ;a-asthan


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ROLE IN INDIAN FINANCIAL INFRASTRUCTURE

he bank has contributed to the set!up of a number of Indian institutions to establish financial

infrastructure in the country over the years@

• >ational 9tock $&change ! he >ational 9tock $&change was promoted by India)s

leading financial institutions D$R is an online multi!

commodity e&change, set up in 7335, by III Bank ?td, ?I, >ABA;D, >9$, anara

Bank , ;I9I?, #oldman 9achs, Indian (armers (ertili%er ooperative ?imited ational Bank

• (inancial Innovation >etwork and Eperations 6vt?td ! III Bank has facilitated

setting up of "(I>E ross ?ink to ase ?ink 9tudy" in 7331, as a company that would

provide technology solutions and services to reach the underserved and under

banked population of the country Csing technologies like smart cards, biometrics and a


https://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttps://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttps://en.wikipedia.org/wiki/Unit_Trust_of_Indiahttps://en.wikipedia.org/wiki/Unit_Trust_of_Indiahttps://en.wikipedia.org/wiki/CRISILhttps://en.wikipedia.org/wiki/Credit_rating_agencyhttps://en.wikipedia.org/wiki/NCDEXhttps://en.wikipedia.org/wiki/NABARDhttps://en.wikipedia.org/wiki/NABARDhttps://en.wikipedia.org/wiki/Canara_Bankhttps://en.wikipedia.org/wiki/Canara_Bankhttps://en.wikipedia.org/wiki/Indian_Farmers_Fertiliser_Cooperative_Limitedhttps://en.wikipedia.org/wiki/Indian_Farmers_Fertiliser_Cooperative_Limitedhttps://en.wikipedia.org/wiki/Punjab_National_Bankhttps://en.wikipedia.org/wiki/Punjab_National_Bankhttps://en.wikipedia.org/wiki/Underbankedhttps://en.wikipedia.org/wiki/Underbankedhttps://en.wikipedia.org/wiki/Smart_cardshttps://en.wikipedia.org/wiki/Smart_cardshttps://en.wikipedia.org/wiki/Biometricshttps://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttps://en.wikipedia.org/wiki/Unit_Trust_of_Indiahttps://en.wikipedia.org/wiki/CRISILhttps://en.wikipedia.org/wiki/Credit_rating_agencyhttps://en.wikipedia.org/wiki/NCDEXhttps://en.wikipedia.org/wiki/NABARDhttps://en.wikipedia.org/wiki/Canara_Bankhttps://en.wikipedia.org/wiki/Canara_Bankhttps://en.wikipedia.org/wiki/Indian_Farmers_Fertiliser_Cooperative_Limitedhttps://en.wikipedia.org/wiki/Punjab_National_Bankhttps://en.wikipedia.org/wiki/Underbankedhttps://en.wikipedia.org/wiki/Underbankedhttps://en.wikipedia.org/wiki/Smart_cardshttps://en.wikipedia.org/wiki/Biometrics


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basket of support services, (I>E enables financial institutions to conceptuali%e, develop and

operationali%e pro-ects to support sector initiatives in microfinance and livelihoods

•

$ntrepreneurship Development Institute of India ! $ntrepreneurship Development

Institute of India orth $astern Development (inance orporation ! >orth $astern Development (inance

orporation $D(I= was promoted by national level financial institutions like III ?td in

.22: at #uwahati, Assam for the development of industries, infrastructure, animal

husbandry, agri!horticulture plantation, medicinal plants, sericulture, aquaculture, poultry

and dairy in the >orth $astern states of India >$D(I is the premier financial and

development institution for the >orth $ast region

• Asset ;econstruction ompany India ?imited ! (ollowing the enactment of the

9ecuriti%ation Act in 7337, III Bank, together with other institutions, set up Asset

;econstruction ompany India ?imited 6As, and allow them to focus on core

banking activities


https://en.wikipedia.org/wiki/Microfinancehttps://en.wikipedia.org/wiki/Microfinance


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• redit Information Bureau of India ?imited ! III Bank has also helped in setting

up redit Information Bureau of India ?imited


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S9mart *ault are fully automated lockers available 74&/, including weekends and post banking

hours were launched in August 73.: he S9mart *ault uses robotic technology to access the

lockers from the safe vault conveniently at any time of their preference in total privacy, without

any intervention of the branch staff

SARAL LOANS

In August 73.:, III Bank introduced S9aral!;ural +ousing ?oan Applicants from rural areas

including women borrowers as well as seekers from weaker sections can now avail home loans

at the III Bank Base ;ate


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In (ebruary 73.:, III Bank announced the launch of )*ideo Banking) for all its >;I on

;esident Indian= customers Csing this service, the customers can now connect with a customer

care representative over a video call, round!the!clock, on all days from anywhere using their

smart phone

POCKETS BY ICICI BANK

In (ebruary 73.:, III Bank ;e!?aunched 6EF$9 now is working as a "Digital wallet" for

everyone


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he #o #reen Initiative is an initiative that moves beyond people, processes and customers to

cost effective automated channels to build awareness of our environment, nation and society he

various green products and services are Instabanking ew >e&t #en Mobile Banking Apps=, *ehicle (inance for car models which use alternate

modes of energy


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• III Investment Management ompany ?imited

• III rusteeship 9ervices ?imited

• III 6rudential 6ension (unds Management ompany ?imited

INTERNATIONAL

• III Bank C9A

• III Bank CF 6?

• III Bank anada

• III Bank $urasia ?imited ?iability ompany

• III 9ecurities +oldings Inc

• III 9ecurities Inc

• III International ?imited

A+ARDS AND ACHIEVEMENTS OF ICICI

4@@=

• "he Asian Banker $&cellence in ;etail (inancial 9ervices 6rogram" by he Asian

Banker

4@@)


https://en.wikipedia.org/wiki/The_Asian_Bankerhttps://en.wikipedia.org/wiki/The_Asian_Bankerhttps://en.wikipedia.org/wiki/The_Asian_Bankerhttps://en.wikipedia.org/wiki/The_Asian_Banker


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• Best Bank in India Award presented by $uro money Maga%ine

4@@5

• Bank of the Gear 7331 India by the Banker

4@@

• III Bank has been conferred the $uromoney Award 733/ for the Best Bank in the

Asia!6acific ;egion

• III Bank wins the $&cellence in ;emittance Business award by he Asian Banker

• III Bank was got the awards for )Best ransaction Bank) in India, SBest Domestic

Bank) in India )Best follow!on offering)


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4@''

• III Bank is the only Indian brand to figure in the BrandT op .33 Most *aluable

#lobal Brands ;eport, second year in a row

• III Bank won the )Best ;M 6ro-ect) and )Best Banking 9ecurity 9ystems) by he

Asian Banker

4@'4

• Airtel, III among )top .33 global brands

• III Bank received the #olden 6eacock Innovative 6roduct J 9ervice Award

• III Bank received the Dataquest Technology Innovation Awards 2012 for Data center

migration by Dataquest

• III Bank was conferred the Best 6erformance Award for 9elf +elp #roup ABA;D)s 9tate ?evel Awards announced by their Maharashtra

;egional Effice he Bank received the first pri%e for the year 73.3N.. in the 6rivate 9ector

Bank category and 7nd runner up for the year 73..N.7 in the ommercial Bank category

4@'=

• III Bank has been ad-udged winner at the $&press I Innovation Award under the

?arge $nterprise category

• III Bank won the ;MAI received the "#ram 9amvad", 9ervice for ?ow costJ9mall

budget marketing initiative Award by ;ural Marketing Association of India


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• III bank won the )>e&t #eneration Banking solution) award by elent

• III bank won the Best Domestic rade (inance Bank and Best (inancial 9upply hain

6ro-ect Award in India by he Asian Banker

• III Bank won the honors of the Medici Innovation +all of (ame Award, instituted by

he Medici Institute in collaboration with the Medici #roup, C9A

4@')

•

According to the Brand rust ;eport 73.4, III Bank was ranked 70th among India)s

most trusted brands, a research conducted by rust ;esearch Advisory

• III Bank was ranked second at the )>ational $nergy onservation Award 73.4) under

the office buildings


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• III Bank has been honored as he Best 9ervice 6rovider ! ;isk Management, India at

he Asset riple A ransaction Banking, reasury, rade and ;isk Management Awards

73.4

• III Bank was awarded the )Best ;etail Bank in India), )Best Microfinance Business)

and )Best ;etail Banking Branch Innovation) under the )$&cellence in ;etail (inancial

9ervices awards 73.4) and echnology Implementation Award for ?ending 6latform

Implementation by he Asian Banker

4@'6

• III Bank won an award in the B(9I ?eadership 9ummit Awards in the )Best 6hone

Banking for $nd!users category

• III Bank won in si& categories and was the first runner!up in one category among

6rivate 9ector Banks at IBA Banking echnology Awards, 73.: he bank was declared

winner in the si& categories of Best echnology Bank of the Gear, Best use of Data, Best

;isk Management Initiatives, Best use of echnology in raining, +uman ;esources and e!

?earning initiatives, Best (inancial Inclusion Initiative and Best use of Digital and hannels

echnology III Bank was the first runner!up in Best use of echnology to $nhance

ustomer $&perience

• III Bank has been declared as the first runner up at Eutlook Money Awards 73.: in

the category of SBest Bank



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• III Bank has been ad-udged the SBest ;etail Bank in India by he Asian Banker It

has also emerged winners in the categories of SBest Internet Banking Initiative and SBest

ustomer ;isk Management Initiative awards given by he Asian Banker

9ocial responsibility programs for elementary $ducation

• Rea0 #o Lea0 P/ase I@ ;ead to ?ead is an initiative of III Bank to facilitate access to

elementary education for underprivileged children in the age group of 5N.4 years including

girls and tribal children from the remote rural areas he ;ead to ?ead initiative supports

partner >#Es to design and implement programs that mobili%e parent and community

involvement in education, strengthen schools and enable children to enter and complete

formal elementary education ;ead to ?ead has reached out to .33,333 children across .4

states of Andhra 6radesh, Bihar, Delhi, #u-arat, +aryana, 8harkhand, Farnataka,

Maharashtra, Erissa, ;a-asthan, amil >adu, ripura, Cttar 6radesh and 'est Bengal

•Rea0 #o Lea0 P/ase II@ In 6hase II of the ;ead to lead programme, III Bank has

supported the establishment of 15 libraries that will reach out to appro&imately /,733

children in the rural areas of 8agdalpur block of Bastar district in hhattisgarh he

programme includes building libraries, sourcing books and conducting various interactive

activities to make the library a dynamic center for learning

CONTROVERSIES

INHUMANE DEBT RECOVERY METHODS



38/101


39/101


he #overnment of India and ;eserve Bank of India ordered an inquiry following the e&pose

En .: March 73.5, III Bank suspended .0 employees, pending inquiry En .. April 73.5

Deputy #overnor of ;BI, + ; Fhan reportedly told that the central bank is initiating action

against III Bank in connation with allegations of money laundering

In March 73.5, Eperation ;ed 9pider showed high!ranking officials and some employees of

III Bank involved in money laundering After a government inquiry, III Bank suspended

.0 employees and faced penalties from the ;eserve Bank of India in relation to the activity

CREDIT RATIN*

he credit ratings agency Moody has lowered the ratings for III Bank to Baa5J6!5 from

Baa7J6!7 in April 73.:

HDFC Bank Limi#e0 is an Indian banking and financial services company headquartered in

Mumbai, Maharashtra It has about /1,701 employees including .7,103 women and has a

presence in Bahrain, +ong Fong and Dubai +D( Bank is the second largest private bank in

India as measured by assets It is the largest bank in India by market capitali%ation as of (ebruary



40/101


73.1 It was ranked :0th among Indias most trusted brands according to Brand rust ;eport,

73.:

otal balance sheet si%e as of December 5., 73.: was ;s10/,027 crores as against ;s:54,0::

crores as of December 5., 73.4 he Banks total income for the quarter ended December 5.,

73.: was ;s.0,7055 crores, up from ;s.4,253/ crores for the quarter ended December 5.,

73.4 >et revenues


41/101


shareholders of imes Bank received . share of +D( Bank for every :/: shares of imes

Bank

CENTURION BANK OF PUN>AB

In 7330, enturion Bank of 6un-ab


42/101


TREASURY

he bank has three main product areas ! (oreign $&change and Derivatives, ?ocal urrency

Money Market Debt 9ecurities, and $quities hese services are provided through the bank)s

reasury team o comply with statutory reserve requirements, the bank is required to hold 7:

of its deposits in government securities he reasury business is responsible for managing the

returns and market risk on this investment portfolio

OPERATIONS

As of December 5., 73.:, the Banks distribution network was at 4,70. branches in 7,:3: cities

in India, and all branches of the Bank are linked on an online real!time basis he Bank has

overseas branch operations in Bahrain, +ong Fong and Dubai ustomers across India are also

serviced through multiple delivery channels such as 6hone Banking, >et Banking, Mobile

Banking and 9M9 based banking he Bank also has a network of ..,045 AMs across India

SUBSIDIARIES

HDB Finan%ia" Se13i%es Limi#e0 HDBFS$ is engaged in retail asset financing It is a non!

deposit taking non!bank finance company B(= Apart from lending to individuals, the

company grants loans to micro, small and medium business enterprises It also runs call centers

for collection services to the +D( Banks retail loan products he ompany is promoted by

+D( Bank ?td which has 2/47 shareholding in the ompany as on 5. March 73.7 As of


https://en.wikipedia.org/wiki/Phone-bankinghttps://en.wikipedia.org/wiki/Net_bankinghttps://en.wikipedia.org/wiki/Net_bankinghttps://en.wikipedia.org/wiki/Mobile_bankinghttps://en.wikipedia.org/wiki/Mobile_bankinghttps://en.wikipedia.org/wiki/Phone-bankinghttps://en.wikipedia.org/wiki/Net_bankinghttps://en.wikipedia.org/wiki/Mobile_bankinghttps://en.wikipedia.org/wiki/Mobile_banking


43/101


March 5., 73.:, +DB(9 had 47: branches in 71: cities During the (G 73.5!.4, +DB(9 had

turnover of ;s.1007/ crores and profit after ta& of ;s73274 crores

HDFC Se%!1i#ies Limi#e0 HSL$ is engaged in stock broking As of March 5., 73.4, +DB(9

has 733 branches across .13 cities +D( Bank has 0274 shareholding in +9? During the

(G 73.5!.4, +9? had turnover of ;s715. crores and profit after ta& of ;s/04 crores

LISTIN*S AND SHAREHOLDIN*

he $quity shares of +D( Bank are listed on Bombay 9tock $&change and the >ational 9tock

$&change of India Its American Depository 9hares are listed on >G9$ and the #lobal

Depository ;eceipts are listed on the ?u&embourg 9tock $&change where two #D;s represent

on equity share of +D( Bank

SHAREHOLDERS AS OF =' DECEMBER.4@'6$ SHAREHOLDIN*

6romoter #roup


44/101


>;IJEBJEthers 3372

(inancial InstitutionsJBanks 7/:

AD9J#D;s .0/0

CSR A%#i3i#ies

+D( Bank has taken several steps as a part of their orporate 9ocial ;esponsibility It has

collaborated with several >#Es to assist in its activities

Ini#ia#i3e O2?e%#i3e A%#i3i#ies

9ustainable

?ivelihood

6rovide empowerment to the

rural section of the country,

especially women

onducts training for occupational skills,

credit counseling, capacity building program,

sustainable livelihood initiative

(inancial

?iteracy

(inancial literacy in 133

schools across Andhra

6radesh and Edisha

;ural financial literacy programs under the

aegis of ;BI

$ducation

Aim to making every child

literate with quality

education

(riends Cnion for $nergi%ing ?ives arayan Memorial rusts *idya and hild

6rogramme

rainingAimed at formal training and

development of youth

$A9+A, support 9#B9 rust, tied up with

+ope (oundation

ommunity (ocused on sustainable 6artnered with 'atershed Ergani%ation rust


https://en.wikipedia.org/wiki/Non-resident_Indian_and_person_of_Indian_originhttps://en.wikipedia.org/wiki/Financial_institutionhttps://en.wikipedia.org/wiki/Bankhttps://en.wikipedia.org/wiki/American_Depositary_Sharehttps://en.wikipedia.org/wiki/Global_depository_receipthttp://archive.indianexpress.com/news/hdfc-bank-aims-at-converging-india-and-bharat-through-financial-inclusion/1179310/http://archive.indianexpress.com/news/hdfc-bank-aims-at-converging-india-and-bharat-through-financial-inclusion/1179310/http://www.business-standard.com/article/finance/hdfc-bank-launches-rural-financial-literacy-initiative-in-chhattisgarh-113103000686_1.htmlhttp://www.business-standard.com/article/finance/hdfc-bank-launches-rural-financial-literacy-initiative-in-chhattisgarh-113103000686_1.htmlhttp://ngobox.org/CSR-project_Education%20Projects_80https://en.wikipedia.org/wiki/Non-resident_Indian_and_person_of_Indian_originhttps://en.wikipedia.org/wiki/Financial_institutionhttps://en.wikipedia.org/wiki/Bankhttps://en.wikipedia.org/wiki/American_Depositary_Sharehttps://en.wikipedia.org/wiki/Global_depository_receipthttp://archive.indianexpress.com/news/hdfc-bank-aims-at-converging-india-and-bharat-through-financial-inclusion/1179310/http://archive.indianexpress.com/news/hdfc-bank-aims-at-converging-india-and-bharat-through-financial-inclusion/1179310/http://www.business-standard.com/article/finance/hdfc-bank-launches-rural-financial-literacy-initiative-in-chhattisgarh-113103000686_1.htmlhttp://www.business-standard.com/article/finance/hdfc-bank-launches-rural-financial-literacy-initiative-in-chhattisgarh-113103000686_1.htmlhttp://ngobox.org/CSR-project_Education%20Projects_80


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46/101


6rocessing ;ates

4@'6

AIMA Managing India Awards 73.: ! B!siness Lea0e1 o #/e Yea1. A0i#:a P!1i

Barron)s ! +o1"0Gs =@ Bes# CEOs . A0i#:a P!1i

(inance Asia poll on Asia)s Best ompanies

73.:! Bes# Manage0 P!2"i% Compan:.In0ia

(orbes Asia (ab :3 ompanies ?ist for the 0th year

8 6 Morgan Quality ;ecognition Award . Best in class straight hrough 6rocessing ;ates

4@')


http://www.affairscloud.com/aima-managing-india-awards-2015-6th-edition/http://www.affairscloud.com/aima-managing-india-awards-2015-6th-edition/http://timesofindia.indiatimes.com/business/india-business/HDFC-Bank-MD-Aditya-Puri-in-Barrons-list-of-30-best-CEOs/articleshow/46653678.cmshttp://timesofindia.indiatimes.com/business/india-business/HDFC-Bank-MD-Aditya-Puri-in-Barrons-list-of-30-best-CEOs/articleshow/46653678.cmshttp://www.financeasia.com/News/395561,asias-best-managed-companies-part-3.aspxhttp://www.financeasia.com/News/395561,asias-best-managed-companies-part-3.aspxhttp://www.affairscloud.com/aima-managing-india-awards-2015-6th-edition/http://timesofindia.indiatimes.com/business/india-business/HDFC-Bank-MD-Aditya-Puri-in-Barrons-list-of-30-best-CEOs/articleshow/46653678.cmshttp://www.financeasia.com/News/395561,asias-best-managed-companies-part-3.aspx


47/101


CONTROVERSIES

Mone: "a!n0e1ing a""ega#ions

En .4 March 73.5 an online maga%ine named obrapostcom released video footage


$uromoneyBest 6rivate Banking 9ervices for 9uper affluent clients for :

years in a row at $uromoney Awards

$uromoney 6rivate Banking

and 'ealth Management

9urvey 73.:

Best 6rivate Banking 9ervices award for >et!worth!specific

services category for 9uper affluent clients ew 6rivate sector

Business oday ! F6M#

9tudy 73.4Best ?arge Bank N Everall

Business world!6w India

Best Banks 9urvey 73.4Best ?arge Bank

Asia money (R 6oll 73.4 ! Best Domestic 6rovider of (R options

he Asian Banker 9trongest Bank in India in the Asian Banker :33


48/101


from Eperation ;ed 9pider showing high!ranking officials and some employees of +D( bank

and two other leading banks, willing to turn black money into white, a violation of Money

?aundering ontrol Act

(ollowing the release of the footage, the #overnment of India and ;BI ordered an inquiry he

banks under question also conducted investigations of their own +D( appointed Deloitte

ouche ohmatsu to conduct a forensic inquiry

he bank also appointed Amarchand Mangaldas 9uresh A 9hroff o


49/101


Ta2"e )EM$

Interest $arned 42,32..4 44,./0.: 43,3/:13 55,:471: 7:,2/43:Ether Income .7,./1.5 .3,47/0/ 0,54:/3 /,:37/1 1,14/02

To#a" In%ome 5'&45


50/101


Balance cJf to Balance 9heet ./,71.47 .5,5.0:2 2,23772 /,3:475 :,3.0.0

To#a" 4)&)(=


51/101


Ta2"e )


52/101


orporate Dividend a& 4307. 7/272 77740 .15/ .74:5

6$; 9+A;$ DAA


53/101


(ig@ hart showing the net profit of +D( bank

INTERPRETATION

he graph shows the net profit of +D(

bank of last five financial years he net

profit in the financial year 73.3!73..

was 52714 crores and it reached to

.37.:27 crores in the financial year

73.4!73.:he bank has seen a lot of improvement in the last three financial year

TABLE )F +D( BA>F

73.. 6'6'


54/101


In crores$

Ana":sis-

he table shows the net profit of both banks of last five financial years III bank is having a

higher net profit than +D( bank in last five years But +D( is showing more improvement

than the III bank

*1ap/ )


55/101


211 212 213 214 215

(

2(

4(

6(

8(

1(

12(

5151(38

6465(26

8325(47

981(48

11175(35

3926(4

5167(9

6726(28

8478(38

1215(92

ICICI

+FC

F A>D +D( BA>F

INTERPRETATION@

III is keeping their lead over +D( in terms of >$ 6;E(I in the last five financial years

But both banks net profit is in increasing trend

Ta2"e )


56/101


.7 months .7 months .7 months .7 months .7 months

Capi#a" an0 Lia2i"i#ies-

otal 9hare apital .,.:211 .,.::34 .,.:514 .,.:7// .,.:.07

$quity 9hare apital .,.:211 .,.::34 .,.:514 .,.:7// .,.:.07

9hare Application Money /44 1:/ 440 752 372

6reference 9hare apital 3 3 3 3 3;eserves /2,71771 /7,3:./. 1:,:4/04 :2,7:332 :5,25007

>et 'orth 03,47251 /5,7.557 11,/3:21 13,43:7: ::,32325

Deposits 51.,:17/ 55.,2.51 727,1.51 7::,4222 77:,137.

Borrowings ./7,4./5 .:4,/:23 .4:,54.4 .43,.142 .32,::47

otal Debt :55,2033 401,1/7/ 45/,2::. 52:,1140 55:,.:15

Ether ?iabilities

6rovisions

5.,/.201 54,/:::: 57,.5513 ./,:/120 .:,2015:

To#a" Lia2i"i#ies 5)5&'4(


57/101


Mar ).: Mar ).4 Mar ).5 Mar ).7 Mar )..

.7 months .7 months .7 months .7 months .7 months


otal 9hare apital :3.5 4/20. 4/:00 41254 41:75

$quity 9hare apital :3.5 4/20. 4/:00 41254 41:75

9hare Application Money 3 3 3 35 72.6reference 9hare apital 3 3 3 3 3

;eserves 1.,:30.7 47,22007 5:,/5071 72,4::34 74,2...5

>et 'orth 17,33247 45,4/015 51,7.4.4 72,27410 7:,5/27/

Deposits 4:3,/2:1

4

51/,55/40 721,74120 741,/314

:

730,:014.

Borrowings 4:,7.5:1 52,45022 55,33113 75,041:. .4,52431

otal Debt 421,3327

3

431,//14/ 572,7:5:0 7/3,::72

1

777,2034/

Ether ?iabilities

6rovisions

57,40441 4.,54443 54,014./ 5/,45.0/ 70,22701

To#a" Lia2i"i#ies 6(@&6@=


58/101


A< PER SHARE RATIOS

EARNIN* PER SHARE

his ratio help us to estimate the earning per share, what are shareholder gets it also take into

account the capital appreciation he higher the $69 the better for the shareholders It is the

reward for investing their money in the company $arnings per share are the e&cess profit in a

concern distributed to its equity shareholder after paying of interest, ta& and dividend to

preference shareholders $arnings per 9hare also indicate the profitability of a concern

A company with higher earnings per share gives more return that a company with lower $arnings

per 9hare It is a earning on each share held by the equity shareholders

It is calculated as follows@

$arnings per 9hare@ P1oi# a#e1 #a; "ess p1ee1en%e 0i3i0en0

To#a" n!m2e1 o eJ!i#: s/a1es



59/101


Ta2"e )


60/101


*1ap/ )


61/101


DIVIDEND PER SHARE

his ratio helps us to analy%e the dividend paid to equity shareholders he more dividend, the

better for the shareholder, but adequate amount of retaining should be made for growth

prospects

Ta2"e )


62/101


*1ap/ )


63/101


OPERATIN* PROFIT PER SHARE

his ratio helps us to analy%e the operating profit per share he higher is the ratio, the better for

the shareholders

Ta2"e )


64/101


*1ap/ )


65/101


NET OPERATING INCOME PER SHARE

his ratio helps us to estimate the >et Eperating per 9hare of the company

Ta2"e )


66/101


*1ap/ )


67/101


In#e1p1e#a#ion-

(rom the above table it can be interpreted that III was performing better than +D( e&cept

the last financial year in which it fell almost ;s533 as compared to last financial year But for

ma-or part of time III bank was better than +D( bank +D( has grown from strength to

strength in every financial year

B< PROFITABILITY RATIO

NET PROFIT MAR*IN

his ratio helps us to estimate the >et 6rofit Margin he profit margin of a company determines

its ability to withstand competition and adverse condition like rising costs , falling prices or

declining sales in futures he ratio measure the percentage of profit earned per rupees of sale

and thus a measure of efficiency of the company It is the ratio that e&presses the relationship

between net profit and sales he ratio indicates the quantum of profit earned by concern A high

ratio indicates that the concern has a good profitability >et sales are equal to gross sale less

e&cise duty



68/101


It is calculated as follow@

NET PROFIT MAR*IN@ P1oi# a#e1 #a;es '@@

Ne# sa"es

It is generally e&pressed as percentage

Ta2"e )


69/101


Ana":sis

he above table shows >et profit margin of a both banks of last five financial years Both banks

net profit margin are growing in increasing trend III bank net profit margin in the financial

year 73.3!73.. was .205 and it rose to 77/1 in financial year 73.4!73.:In same time +D(

raised from .22. to 7.32

*1ap/ )


70/101


hart showing net profit margin for different financial year

In#e1p1e#a#ion

(rom the above table it can be concluded that net profit margin of the both company showing a

fair increase in every financial year III is having slightly higher net profit margin than +D(

bank III had 77/1 as compared 7.32 in the financial year 73.4!73.: Ether than that there

is very slight difference between both banks

RETURN ON NET +ORTH

his ratio helps us to determine the return on >et 'orth It is the ratio that e&presses the

relationship between net profit and the net worth of the concern he ratio serves the purpose of

measuring the productivity of equity of the firm and it is a satisfactory measure of the

profitability of the enterprise from the point of view of all the shareholders

Ta2"e )


71/101


73.4 '=


72/101


hart showing return on net worth for different financial year

In#e1p1e#a#ion

(rom the above graph it can be concluded that +D( bank is performing better than III bank

in this region In all the five financial year it has maintained its lead over the icici bank In the

financial year 73.4!73.: +D( had .127 as compared to .502 of III bank

RETURN ON LON* TERM FUNDS

his ratio helps us to estimate the return on long term funds

Ta2"e )


73/101


Ana":sis-

he above table shows the return on net worth of the both the banks over a period of five

financial years III return on long term funds increased from 453: to :/35 in five years

In case of +D( bank it increased from 1:2 to 04.4

*1ap/ )


74/101


211 212 213 214 215

2

4

6

8

1

12

43(5

52(3356(37 56(92 57(3

65(9

95(221(51 11(78

84(14

ICICI

+FC

hart showing return on long term funds for different financial year

In#e1p1e#a#ion

(rom the above graph it can be concluded that +D( bank is performing way better than III

bank for the past five years In the financial year 73.5!73.4 hdfc had .3./0 as compared

:127 of III bank in the same financial year In the financial year 73.4!73.: +D( had

04.4 as compared :/35 of III bank in the same financial year

C.LEVERAGE RATIOS

DEBT/EQUITY

his ratio helps us to estimate the DebtJ$quity



75/101


Ta2"e )


76/101


211 212 213 214 215

(2

(4

(6

(8

(1

(12

(9

(8

(7 (7 (7

(12

(6

(5

(7

(6

ICICI

+FC

hart showing Debt!equity ratio for different financial year

In#e1p1e#a#ion

(rom the above graph it can be concluded that +D( bank and III bank are very close to

each other here is -ust a minor difference between both banks In financial year 73.5!73.4 both

banks are having 33/ debt!equity ratioin financial year 73.4!73.: III had 33/ as compared

to 331 of +D( bank in the same financial year



77/101


FIE+ :SSES *%-O.E% %:IO

his ratio helps us to estimate the (i&ed Assets turnover ;atio his indicates the ratio of the firm

in utili%ing its fi&ed assets A higher ratio indicates greater efficiency while a lower ratio

indicates lesser efficiency +owever, if the firms assets are old and have depreciated

substantially in value , the denominator would be low, giving a high fi&ed assets turnover ratio

he fi&ed assets turnover ratio measures the sales per rupee of investment in fi&ed assets

>et sales refer to gross sale less e&cise duty (i&ed assets refers to net assets ie, (i&ed assets less

depreciation

he formula is @ Ne# Sa"es

Ne# Fi;e0 Asse#s

he (i&ed Assets turnover ratio is generally e&pressed as a rate



78/101


Ta2"e )


79/101


*1ap/ )


80/101


CURRENT RATIO

he current ratio is the standard measures of any business financial health It will tell you

whether your business is able to meet its current obligations by measuring if it has enough assets

to cover its liabilities he standard current ratio for a healthy business is twoP meanwhile it has

twice as many as liabilities

he current ratio should be a part of your business basic financial planning meaning it should

be tracked regularly By keeping a close eye on this figure, you will recogni%e if it begins to get

out of line his will allow you to take early action to prevent your business from ending up in a

difficult position

herefore the formula for calculating current ratio is

C!11en# 1a#io U C!11en# Asse#s

C!11en# Lia2i"i#ies

T/e #/!m2 1!"e o1 %!11en# 1a#io is 4-' o1 a"" #/e i1ms<

IFIM COLLEGE Page 8


81/101


82/101


*1ap/ )


83/101


QUICK RATIO

?ike the current ratio, the quick ratio


84/101


Ta2"e )


85/101


*1ap/ )


86/101


be hampering your cash flow, because this ratio -udges annual inventory turns, it is usually

conducted once a year

he formula is

In3en#o1: T!1no3e1 Ra#io@ Cos# o Sa"es

A3e1age In3en#o1:

A3e1age In3en#o1: Opening s#o%k C"osing s#o%k$

4

Ta2"e )


87/101


*1ap/ )


88/101


DIVIDEND PAYOUT RATIO

Dividend payout ratio e&presses the dividend paid by the company to its preference shareholders

It is calculated as

Di3i0en0 Pa:o!# Ra#io- Di3i0en0 pai0 #o o10ina1: s/a1e/o"0e1

No< o o10ina1: s/a1es

Ta2"e )


89/101


*1ap/ )


90/101


EARNIN* RETENTION RATIO

Ta2"e )


91/101


*1ap/ )


92/101


93/101


Both banks should also avoid future cost by enabling a reconfiguration of production to

different products, in the event of changing in demand

Both banks should also try to enter new markets that are different in their preference for

variants his will help the company to tap a larger share of the market and this will

improve its profitability

III bank should also work for market outside the domestic market to e&pand the

volumes his can e&pand the platform vertically and hori%ontally


94/101


+D( bank should try to improve its return on long term funds by trying to employ

lesser capital on fi&ed assets curb the dilution of earnings

he companies should try to improve their profitability to increase their financial charges

coverage ratio

CONCLUSION



95/101


he study was conducted to know the financial efficiency of both banks After the study it can be

concluded that no bank is perfect in the every field of its operations In some field III is

having an edge over the +D( 'hile in other +D( is leading over the III If we talk about

the profits III is showing a remarkable growth in this area as compared to +D( And if we

talk about the satisfying the shareholder of the company, +D( is right on the money they are

consistently giving good dividends to their shareholders as compared to III $arnings per

share of the +D( bank is better than that of III bank >et profit margin plays an important

role in one company in this III is slightly higher than +D( urrent ratio determines the

efficiency of one bank, in this both banks are nowhere near to thumb rule that is 7@. III is

-ust slightly higher than that of +D( bank Dividend payout ratio determines the company

decision over its growth and e&pansion strategy in the future III low dividend payout ratio

e&plains that they are focusing on their e&pansion, while +D( is more emphasi%ing on keeping

shareholders happy III is having higher earnings retention than the +D(

In short we can say that III is having a better performance than +D( in the ma-ority of the

heads compared in the research III shows better growth in the last five financial years than

that of +D( bank in the same duration

PROFIT AND LOSS ACCOUNT OF ICICI BANK

Mar ).: Mar ).4 Mar ).5 Mar ).7 Mar )..



96/101


.7months .7months .7months .7months .7months

I>EM$

Interest $arned 42,32..4 44,./0.: 43,3/:13 55,:471: 7:,2/43:

Ether Income .7,./1.5 .3,47/0/ 0,54:/3 /,:37/1 1,14/02

To#a" In%ome 5'&45


97/101


Mar ).: Mar ).4 Mar ).5 Mar ).7 Mar )...7 months .7 months .7 months .7 months .7 months


otal 9hare apital .,.:211 .,.::34 .,.:514 .,.:7// .,.:.07$quity 9hare apital .,.:211 .,.::34 .,.:514 .,.:7// .,.:.07

9hare Application Money /44 1:/ 440 752 372

6reference 9hare apital 3 3 3 3 3

;eserves /2,71771 /7,3:./. 1:,:4/04 :2,7:332 :5,25007

>et 'orth 03,47251 /5,7.557 11,/3:21 13,43:7: ::,32325

Deposits 51.,:17/ 55.,2.51 727,1.51 7::,4222 77:,137.

Borrowings ./7,4./5 .:4,/:23 .4:,54.4 .43,.142 .32,::47

otal Debt :55,2033 401,1/7/ 45/,2::. 52:,1140 55:,.:15

Ether ?iabilities

6rovisions

5.,/.201 54,/:::: 57,.5513 ./,:/120 .:,2015:

To#a" Lia2i"i#ies 5)5&'4(


98/101


99/101


:

To#a" 4)&@


100/101


To#a" Asse#s 6(@&6@=


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