comprative study of current share of sbi and icici bank

8/10/2019 Comprative Study of Current Share of Sbi and Icici Bank

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COMPARISON OF LOANS & ADVANCES OF SBI and ICICI BANK.

For the year 2003:

Name Of the Banks Amt of advances

State Bank Of India 13775!"#

I$I$I Bank 52"7"!"

For the year 200":


State Bank Of India 157%33!5"

I$I$I Bank #0757!3#

1


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For the year 2005:


State Bank Of India 20237"!"#

I$I$I Bank %%1!75

For the year 200#:


State Bank Of India 2#1#"1!5"

I$I$I Bank 1"302%!%

2


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For the year 2007:


State Bank Of India 33733#!"%

I$I$I Bank 1#"""!3

For the year 200:


3


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State Bank Of India 3##"35!#

I$I$I Bank 2&25#

For the year 200%:


State Bank Of India """"!52

I$I$I Bank 1&7%&2#%

Interpretation:

$onsiderin' the a(ove data )e can say that year on year the amo*nt of advances +ent (y

"


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State Bank of India has increased )hich indicates that the (ank,s (*siness is rea++y commenda(+e

and the $redit -o+icy it has maintained is a(so+*te+y 'ood! .hereas I$I$I (ank do not have s*ch

'ood (*siness SBI is ahead in terms of its (*siness )hen com/ared to I$I$I (ank& this im/+ies

that SBI has incor/orated so*nd (*siness /o+icies in its (ank!

ADVANTAGES OF ICICI OVER SBI:

I$I$I is 'ro)in' at a very fast rate )ith a tota+ asset of s! 3&7""!10 (i++ion!

In the area of h*man re+ations& the t)o are takin' diver'ent /aths! SBI& )hich had over 1 +acks

em/+oyees& has red*ced headco*nt thro*'h a vo+*ntary retirement scheme and is ca*tio*s a(o*t

addin' headco*nt!

I$I$I Bank& on the other hand& is settin' */ re'iona+ h*(s )here its )orkforce )o*+d (econcentrated and /+ans to add 20&000 to its headco*nt every year! he 'ro*/ /+ans to add (et)een

75&000 and 1& 00&000 em/+oyees in the net fe) years

I$I$I Bank is a+so set to o*tdo SBI is in its internationa+ (ook

An area )here it has (een very a''ressive!

ADVANTAGES OF SBI OVER ICICI:

SBI is the +ar'est and o+dest (ank of India! Its ma4or stocks are he+d (y 'overnment of India! Sothis (ank en4oys the tr*st of its $*stomers a +ot!

SBI offers f+ei(+e ten*res of +oan re/ayment!

State (ank of India has vast e/erience in the fie+d of S6 Sma++ and edi*m 6nter/rises8

Financin'!

As it is the o+dest name so it en4oys /*(+ic tr*st a +ot!

5


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S$nda)* +,.-.-++/* 00:1,p( 2GMT3/4

NE 5ERSE6: Ind*s American Bank has tied */ )ith State Bank of India to offer money

transfer services to India for its c+ients! ?nder the ne) money transfer service& )hich )i++ /rovide

e/anded services to Ind*s American Bank c*stomers can e/ect service at over 1"&000 (ranch+ocations of State Bank of India )ithin India& and at over 1"&000 additiona+ @S /artici/atin'

(anks!

F*nds remitted from Ind*s American Bank )o*+d reach reci/ients ty/ica++y )ithin 2" ho*rs! As

the +ar'est (ank in India& State Bank of India offers ece++ent echan'e rates )hich are no)

avai+a(+e to Ind*s American Bank c*stomers! India is one of the (i''est destinations for forei'n

remittances!

ICICI Ban" a77ot# e8$it) #are#

I$I$I Bank a++otted 17&00 e>*ity shares of face va+*e of s 10 each on Se/! 1& 2007 *nder the

em/+oyees stock o/tion scheme& 2000 6SOS8!I$I$I Bank I$I$IBAN=8 )as /romoted in 1%%"

(y I$I$I& an Indian deve+o/ment financia+ instit*tion! he t)o entities s*(se>*ent+y mer'ed to

(ecome the +ar'est commercia+ (ank in the /rivate sector!

Shares of the com/any 'ained s 7!75& or 1!3& to sett+e at s 5#%!%! he tota+ vo+*me of shares

traded )as 1737 at the BS6

7


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OB5ECTIVE OF RESEARC9

6ach research st*dy has its o)n s/ecific /*r/ose! It is +ike to discover to *estion thro*'h the

a//+ication of scientific /roced*re! B*t the main aim of o*r research to find o*t the tr*th that is

hidden and )hich has not (een discovered as yet! O*r research st*dy fo++o)in' o(4ectives:

18 o st*dy the com/arative ana+ysis (et)een SBI C I$I$I (ank on the (asis of c*stomer

satisfaction& +endin' schemes and risk mana'ement!

28 o kno) c*stomer a)areness re'ardin' the /rod*cts and services of SBI and I$I$I (ank!

38 o find the advanta'es of SBI over I$I$I (ank and vice versa!

"8 o kno) the /reference of +oan C advances of SBI over I$I$I!


9/28

RESEARC9 MET9ODOLOG6

T6PES OF RESEARC9

y research is (ased on Descri/tive& *a+itative and *antitative research!

De#ripti;e Re#ear:3

Descri/tive research inc+*des s*rveys and fact findin' en>*ires of different kinds! he ma4or

/*r/ose of descri/tive research is descri/tion of the state of affairs as it eists at /resent!

esearcher has no contro+ over the varia(+es of this ty/e of research!

*a+itative data! In short& *a+itative research is es/ecia++y im/ortant in the

(ehaviora+ sciences )here the aim is to discover the *nder+ine motives of h*man (ehavior!

hro*'h s*ch research )e can ana+yses vario*s factors )hich motivate to /eo/+e to (ehave in a

/artic*+ar manner or )hich make /eo/+e +ike or dis+ike a /artic*+ar thin'!

*antity or

amo*nt! It is a//+ica(+e to /henomena that can (e e/ressed in terms of >*antity! So )e can *se it

in o*r research for co++ection of a++ the n*merica+ data!

SAMPLE AREA: $handi'arh and oha+i

%


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SAMPLE SI=E: *es in my /ro4ect i!e

1)ei'hted avera'e method

2 ank corre+ation method and

3 $his>*are test in my /ro4ect!

SO!RES OF DATA COLLECTION

.hi+e decidin' a(o*t the method of data co++ection to (e *sed for the st*dy the researcher sho*+d

kee/ to ty/es of data!

1! -rimary

2! Secondary Data!

I *sed in my research /rimary data& as )e++ as secondary data! -rimary means co++ected a fresh&

and the first time data )i++ *se *estionnaire and secondary means )hich are a+ready avai+a(+e

+ike ann*a+ re/ort& ma'aines& internet etc!

SAMPLING TEC9NI

It is a series of >*estions asked to individ*a+s to o(tain statistica++y *sef*+ information a(o*t a

'iven to/ic! es/ondents 'ive ans)er accordin' to their )i++! I *sed one >*estionnaire as a

sam/+in' techni>*e! he >*estionnaire /re/ared for the c*stomers of the SBI C I$I$I (ank to

kno) their satisfaction +eve+!

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LIMITATION OF T9E ST!D6

03 As the $handi'arh and oha+i dea+t in s*rvey& so the covera'e area is sma++ accordin' to

the /ro4ect need!

-3 Sie Of the research may not (e s*(stantia+!

3 Information may (e (iased (eca*se of the /reference of the c*stomers!

>3 $om/+ete data )as not avai+a(+e d*e to com/any /rivacy and secrecy!

13 he s*rvey )as carried thro*'h >*estionnaire and the >*estions )ere (ased on

/erce/tion!

?3 here )as +ack of time on the /art of res/ondents!

/3 he (ankin' sector is too vast C it is not /ossi(+e to cover each C every c*stomer!

@3 he st*dy is +imited to a /artic*+ar (ranch of SBI and I$I$I (ank!

11


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DATA ANAL6SIS & INTERPRETATION

*ency -ercenta'e

I$I$I BAN= 50 50

SBI 50 50

Interpretation:

From the a(ove ta(+e 50 havin' acco*nts in I$I$I BAN= and 50 havin' in SBI!

12


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Interpretation:A(ove ta(+e sho)s that& aim*m res/ondents 'ive rank 1 to time savin' )here as maim*mres/ondents 'ive +o)est rank to As!

Ana7)#i#: A//+yin' )ei'hted avera'e method!

S6I$6S ank

1

ank

2

ank

3

ank

"

ank

5

$a+c*+ation .ei'hted

avera'e

1

6fficient

c*stomer

service

10 12 1" # 13 2!7# 3

ime savin' 20 11 7 " 117 2!3" 5

transactioncosts

11 17 % 5 130 2!#0 "

echno+o'y 7 % 12 1 " 153 3!0# 2

As

2 " 5 31 212 "!2" 1

A(ove ca+c*+ations sho)s that the hi'hest )ei'hted avera'e is of As!

ICICI BANK

S6I$6S ank 1 ank 2 ank 3 ank" ank56fficient c*stomer service 2 7 11 20 10

ime savin' 5 12 11 1"

transaction costs " % 17 12

echno+o'y 1 % 7

As 31 " 5 " #

1"


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1#HD2 N3 N

G 1 # J 3" 583K 5

G 1 20" 125 5

G 1!#%

S0& there are ne'ative re+ationshi/ (et)een these t)o (anks!

T6PE OF ACCO!NTIN T9E BANKS

SBI I$I$I BAN=

FIJ6D A$$O?N 1#328 11228

SAIN@ A$$O?N 15308 1%38

$?6N A$$O?N 11228 122"8

OL6S 1#8 1#8

ota+ 50 50

Interpretation: A(ove ta(+e sho)s that 32 and 22 c*stomers havin' fied acco*nt in SBI

and I$I$I res/ective+y )here as on+y 1# c*stomers havin' others acco*nts in (oth (anks!


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IN6N6 BAN=IN@ 5108 11228

OBI96 BAN=IN@ #128 122"8

$O6 BAN=IN@ SES6 173"8 %18

ota+ 50 50

Interpretation:A(ove ta(+e sho)s that "" c*stomers /refer the A services of SBI )here as

# /refer to mo(i+e (ankin' and in I$I$I 3# 'ive /reference to A services and 2" to

mo(i+e (ankin'!


18/28

Interpretation:O*t of 50 on+y 3" res/ondents are f*++y satisfied )ith SBI and 2# )ith I$I$I

(ank!


19/28

Interpretation: A(ove ta(+e sho)s that maim*m i!e! "0 c*stomers are hi'h+y satisfied )ith

the advance /rod*cts of SBI )here as in case of I$I$I maim*m c*stomers i!e! 3" are on+y

satisfied )ith its advance /rod*cts!

Ana7)#i#M A//+yin' EIG9TED AVERAGE MET9OD

S$A96 . J1 .J1 J2 .J2LI@L9E

SAISFI6D

5 20 100 # 30

SAISFI6D " 15 #0 17 #

A6A@6 3 # 1 15 "5

DISSAISFI6D 2 " 7 2

LI@L9E

DISSAISFI6D

1 5 5 5 5

OA9 H 8 15 1%1 17#

.6I@L6D A6A@6

SBI G .J1 . I$I$I BAN= G .J2 .

G 1%1 15 G 17# 15

G 12!73 G 11!73

So& SBI is more /refera(+e than I$I$I (ank!


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Interpretation:aim*m c*stomer is /refer to take +oan from their o)n (ank!

Ana7)#i#:to kno) the /reference of SBI over I$I$I (ank,s +oan C advances i am a//+yin' chi

s>*are test!

-6F6N$6 NO -6F6N$6 OA9

SBI 2# 2" 50I$I$I BAN= 2 22 50

OA9 5" "# 100

O(served va+*es

O

6/ected a+*es

6

O6 O682 O682 6

2# 27 1 1 0!037

2" 23 1 1 0!0"3

2 27 2 " 0!1"

22 23 1 1 0!0"3

OA9 0!271

De'ree of freedomG c18 r18

G 218 218

G 1

9eve+ of si'nificance at 5& G 0!"#

$a+c*+ated va+*eG 0!271

It sho)s that ca+c*+ated va+*e is +o)er than ta(+e va+*e&

So& hy/othesis is acce/ted& means there is a /reference of SBI +oans C advances over I$I$I (ank!


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96SS -A-6 .O= 1 12

AA$I6 IN66S

A6

5 #

ANS-A6N$E # %

SI-96 C FAS

-O$6SSIN@

2 3

F96JIBI9IE O $LOOS6

ON 6I BAS6 9OAN O

AN O6DAF

11 17

9ON@6 6N?6 9OAN

FO 6AS6 OF 6-AE6N

# 2

S-6$IA99E D6SI@N

-OD?$S FO S69F

6-9OE6D

2 1

Interpretation3 A(ove data sho)s that maim*m 3# 0f SBI c*stomers are today,s (ankin'

scenario (eca*se of +ess /a/er )ork )here as in case of I$I$I Bank maim*m c*stomers i!e 3"

+ike it (eca*se of f+ei(+e 6I (ase +oan or over draft!


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Interpretation: A(ove data sho)s that maim*m of c*stomers i!e "5 are satisfied )ith the

/resent (ankin' system!

FINDINGS

ost of the res/ondents choose SBI (eca*se the (ank is 'ivin' more +oan and advances faci+ity

to the c*stomers!

he a'e 'ro*/ of 25yrs K 35yrs res/ondents most+y havin' acco*nts in I$I$I (ank )here as

maim*m o+d a'e res/ondents havin' acco*nt in SBI!

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Accordin' to my kno)+ed'e and /erce/tion maim*m o+d a'e c*stomers fo*nd SBI more

re+ia(+e (ank as a /*(+ic sector (ank )here as most+y yo*n'sters have interest in I$I$I (ank!

$*stomer a)areness /ro'ramme is re>*ired so that more /eo/+e sho*+d attract to)ards +oans C

advances /rod*ct!

aim*m c*stomers are satisfied )ith today,s (ankin' scenario!

aim*m c*stomers +ike the most in (ankin' services i!e +ess /a/er )ork )here as they a+so

+ike the 6I (ase +oan scheme!

6ven in case of +oan C advances c*stomers not on+y 'ive /reference to SBI (*t they are a+so

satisfied )ith it!

In I$I$I (ank maim*m c*stomers havin' savin' acco*nts )here as in SBI maim*m

c*stomers have fied acco*nt& reason amon' this that maim*m c*stomer re+y over SBI for their

+on' term money de/osits!

maim*m c*stomers are satisfied )ith the more no! of A faci+ities of SBI )here as I$I$I

c*stomers +ike it +o) transaction cost!

3# of SBI c*stomers )e++ kno)n a(o*t its +oans C advances /rod*cts )here as& in I$I$I (ank

1# c*stomers don,t kno) a(o*t the +oan C advances /rod*ct of it!

RECOMMENDATIONS

1 Since many of the res/ondents are not a)are of their /rod*ct C services! he (ank has to

take some initiatives!

2 he (ank can /ost a +ist of services that they are rendered to the c*stomers inside the (ank

-remises And they can /ost demo of a++ these services in their (ank )e(site!!

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3 SBI sho*+d concentrate more on the res/ondents are fa++in' *nder the a'e 'ro*/ 25yrs K 35yrs!

" I$I$I sho*+d concentrate more over the /eo/+e are fa++in' *nder the a'e 'ro*/ of "555 yrs!

5 I$I$I needs to increase its +endin' money to attract the more /eo/+e to)ards its +oan and

advances /rod*cts!

CONCL!SION

.e can conc+*de that the financia+ sector is a nerve system of Indian economy! For steady 'ro)th

in economy innovations and deve+o/ment in financia+ sector is very im/ortant!

! he (anks sho*+d foc*s on

2"


25/28

9a*nch Innovative /rod*ct

$*stomied advance /rod*cts

Better c*stomer services

Fastest c*stomer,s /ro(+em so+vin' techni>*es

$*stomer retention

Since (oth the (anks are com/etin' e>*a++y )ith each other!

B*t SBI (ank is +itt+e (it (e+o) the +ine in yo*n' c*stomer hand+in' )hen com/ared to I$I$I

(ank! he I$I$I (ank is +itt+e (it (e+o) the +ine in concentratin' on 9oan C advances /rod*cts C

services then to SBI (ank!

B*t SBI sho*+d (e considerin' more re+ia(+e (eca*se of /*(+ic sector (ank C (eca*se of its

vario*s schemes!

BIBLIOGRAP96

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BOOKS or 5O!RNALS

03 Pre#ton Ma'ee&R* Introd$tion to eono(i ana7)#i#* IV edition 3

2 arshnne)& -!N! Bankin' and -ractices& Ith edition

3 ithani& D!& oney& Bankin'& Internationa+ trade C -*(+ic finance 2ndedition

"B*siness )or+d 2010 Fe(r*ary vo+*me!

EBSITES

)))!r(i!com

)))!state(ankofindia!com

)))!I$I$I(ank!com

)))!moneycontro+!com

ANNE!RE3 0

2#


27/28

1! Name:

2! A'e: a8 25yrs 35 yrs (8 3# yrs "5yrs c8 "# K 55 yrs d8 a(ove 55 yrs

3! @ender: a8 a+e (8 Fema+e

"! 6d*cationa+ *a+ification:

a8 I++iterate (8 Schoo+ c8 ?@ d8 -@

e8 -rofessiona+ $o*rse f8 Others

5! Occ*/ation:

a8 Lo*se )ife (8 St*dents c8 Sa+aried /erson

d8 B*siness man e8 -rofessiona+s f8 S*/ervisor

'8 ana'eria+ h8 /ensioner

#! Income +eve+:

a8 s!50&000 K s!150&000 (8 s!150&001s!250&000

c8 s!250&001 s!350&000 d8 s!350&001s!"50&000

e8 A(ove s! "50&000

7! In )hich (ank do yo* have an acco*nt

a8 I$I$I (ank (8 SBI (ank

! .hy yo* choose the /artic*+ar (ank

a8 6fficient c*stomer service (8 more As

c8 ime savin' d8 transaction costs

e8 echno+o'y

%! .hat ty/e of acco*nt do yo* have in (ank

27


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a8 Savin' (8 Fied c8 $*rrent

d8 OthersPPP!

10! .hich ty/e of service yo* /refer the most in yo*r (ank

a8 A service (8 Internet (ankin'

c8 o(i+e (ankin' d8 core (ankin'

10! Are yo* satisfied )ith it

a8 Ees (8 >*ite satisfy c8 No

11! Are yo* a)are a(o*t the /rod*ct and services /rovided (y these (anks

a8 Ees (8 No

12! .hat do yo* fee+ (y services /rovided (y SBI and I$I$I (ank in advance /rod*ct

a8 Li'h+y Satisfactory (8 satisfied c8 avera'e d8 dissatisfied

e8 Li'h+y dissatisfied

13! Are yo* takin' the +oan from yo*r (ank

a8 Ees (8 No

1"! .hat Feat*res do yo* +ike most in today,s (ankin' scenario re'ardin' the +oans

a8 9ess /a/er )ork (8 rans/arency

c8 9ess interest rates d8 +on'er ten*re +oan for ease of re/ayment

e8 F+ei(i+ity to choose 6I (ase +oan or an over draft

f8 S/ecia++y desi'n /rod*cts for se+f em/+oyed!

15! Are yo* satisfied )ith today,s (ankin' system

a8 Ees (8 No

comprative study of current share of sbi and icici bank

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