“ Common size Analysis for the year 2010-11”

By:-Vishakha rudraPG -18

Content Company profile Nature & scope Objective Introduction to topic Data analysis and interpretation Conclusion Limitation Suggestions & Recommendation Bibliography

• Known as a common man's bank

• Registered in 1935 , & nationalized in 1969

• 100 % Core Banking Service at all branches

• 1433 branches spread all over the country & main branch at Pune

• Share Price in the market is Rs.51.85

• 24% shares owned by PublicListed in BSE and NSE

• Net profit for 2011 is Rs. 122 Crore

• & Net N.P.A. is 1.24 %

NATURE & SCOPE

• The financial position of bank of Maharashtra compare to other banks

• Ratio analysis.

• Graphical presentation

OBJECTIVE

• To get knowledge of the Banking Functions related to

Customers

• To study their Internal Management at Branch Level.

• To analyze the work done by each employee

• To know the methods through which they focus the

customer

• Training & Development

INTRODUCTION TO THE TOPIC

• Ratio Analysis

-The financial data in simple, concise and intelligible form.

-Ratio analysis measures relationship between two facts .

- Ratio analysis measures the profitability, efficiency and financial soundness of the business.

DATA ANALYSIS AND INTERPRETATION

Current ratioBank of Maharashtra = 0.92 Times

State bank of India = 0.53 Times

Union bank of India = 0.56 Times

Bank of India = 1.04 Times

Bank of Baroda = 0.64 Times bank of ma-

harashtrastate bank union bank bank of india bank of baroda

0

0.2

0.4

0.6

0.8

1

1.2

CURRENT RATIO

current ratio

Absolute Liquid ratio

BANK OF MAHARSHTRA

STATE BANK OF INDIA

UNION BANK OF INDIA

BANK OF INADIA

BANK OF BARODA

0

0.5

1

1.5

2

2.5

ABSOLUTE LIQUID RATIO

ABSOLUTE LIQUID RATIO

Bank of Maharashtra = 1.50 Times

State bank of India = 1.29 Times

Union bank of India = 2.36 Times

Bank of India = 1.67Times

Bank of Baroda = 2.05 Times

Debt-equity ratioBank of Maharashtra = 0.77 Times

State bank of India = 1.65 Times

Union bank of India = 1.04 Times

Bank of India = 1.30 Times

Bank of Baroda = 1.06 Times BANK OF

MAHARSHTRA STATE BANK OF

INDIAUNION BANK

OF INDIABANK OF INADIA

BANK OF BARODA

0

0.2

0.4

0.6

0.8

1

1.2

1.4

1.6

1.8

DEBT EQUITY RATIO

DEBT EQUITY RATIO

Return on InvestmentBank of Maharashtra = 4.68 %

State bank of India = 7.91 %

Union bank of India = 7.98%

Bank of India = 6.33%

Bank of Baroda = 9.79%

BANK OF MA-

HARSHTRA

STATE BANK OF INDIA

UNION BANK OF INDIA

BANK OF INADIA

BANK OF BARODA

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

RETURN ON INVESTMENT

RETURN ON INVESTMENT

Earning per shareBank of Maharashtra = 6.86

State bank of India = 145.55

Union bank of India = 39.71

Bank of India = 39.71

Bank of Baroda = 47.35 BANK OF

MAHARSHTRA STATE BANK OF

INDIAUNION BANK

OF INDIABANK OF INADIA

BANK OF BARODA

0

20

40

60

80

100

120

140

160

EARNING PER SHARE

EARNING PER SHARE

Capital gearing ratioBank of Maharashtra = 0.77 Times

State bank of India = 1.65 Times

Union bank of India = 1.04 Times

Bank of India = 1.30 Times

Bank of Baroda = 1.06 Times

BANK OF MAHARSHTRA

STATE BANK OF INDIA

UNION BANK OF INDIA

BANK OF INADIA BANK OF BARODA0

0.2

0.4

0.6

0.8

1

1.2

1.4

1.6

1.8

Reserve to capital ratioBank of Maharashtra = 0.77 Times

State bank of India = 1.65 Times

Union bank of India = 1.04 Times

Bank of India = 1.30 Times

Bank of Baroda = 1.06 Times

BANK OF MA-

HARSHTRA

STATE BANK OF INDIA

UNION BANK OF INDIA

BANK OF INADIA

BANK OF BARODA

0

10

20

30

40

50

60

70

80

RESERVE TO CAPITAL RATIO

RESERVE TO CAPITAL RATIO

Return on equityBank of Maharashtra = 8%

State bank of India = 21%

Union bank of India = 16%

Bank of India = 14%

Bank of Baroda = 20%

BANK OF MA-

HARSHTRA

STATE BANK OF INDIA

UNION BANK OF INDIA

BANK OF INADIA

BANK OF BARODA

0%

5%

10%

15%

20%

25%

RETURN ON EQUITY RATIO

RETURN ON EQUITY RATIO

CONCLUSION• Different banks are on different positions ,

Bank of Maharashtra is having high Proprietary , Current

asset position & Liquidity but they are weak on ROI , their

Earning per share and Debt-equity.

• Bank of India having more shareholder’s equity and Bank of

Baroda is on high position for ROI.

• On the average basis the State bank of India and Union bank

of India is profitable in the year 2010-11.

LIMITATIONS

• To obtain the exact figures & amount is restricted. • Does not allow to deal with customer facts as it is

government sector. • It does not include the comparative analysis

• Limited only up to the internship period.

Suggestions and Recommdations

• To Retain the financial position in the market

• Need to focus on the customers ,their problems • Aware with the latest marketing strategies and trends to attract

the customers • Legal and proper documentation while giving loan , to minimize

the NPA. • Update & Safe financial and others records

Bibliography• www.bankofmaharashtra.in

• www.corporateinformation.com

• www. economictimes.indiatimes.com

• www.business-standard.com

• www.indiainfoline.com

• www.moenycontrol.com

• www.weekipedia.com

• www.google.com [ for images]