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Comparative-Analysis-of-Sbi-Icici-Bank
International Journal of Marketing, Financial Services & Management Research Vol.1 Issue 11, November 2012, ISSN 2277 3622 Online available at www.indianresearchjournals.com

A STUDY OF FINANCIAL PERFORMANCE: A COMPARATIVE ANALYSIS OF SBI AND ICICI BANK
DR. ANURAG. B. SINGH*; MS. PRIYANKA TANDON**
* Associate Professor LDC Institute of Technical Studies Soraon, Allahabad (Uttar Pradesh) India ** Assistant Professor LDC Institute of Technical Studies Soraon, Allahabad India _____________________________________________________________________________________

ABSTRACT Banking Sector plays an important role in economic development of a country. The banking system of India is featured by a large network of bank branches, serving many kinds of financial services of the people. The State Bank of India, popularly known as SBI is one of the leading bank of public sector in India. SBI has 14 Local Head Offices and 57 Zonal Offices located at important cities throughout the country. ICICI Bank is second largest and leading bank of private sector in India. The Bank has 2,533 branches and 6,800 ATMs in India. The purpose of the study is to examine the financial performance of SBI and ICICI Bank, public sector and private sector respectively. The research is descriptive and analytical in nature. The data used for the study was entirely secondary in nature. The present study is conducted to compare the financial performance of SBI and ICICI Bank on the basis of ratios such as credit deposit, net profit margin etc. The period of study taken is from the year 2007-08 to 2011-12. The study found that SBI is performing well and financially sound than ICICI Bank but in context of deposits and expenditure ICICI bank has better managing efficiency than SBI. KEYWORDS: Credit Deposit Ratio, ICICI, Net Profit Margin, Net worth Ratio, Advances, SBI. _________________________________________________________________________ INTRODUCTION An efficient banking system is recognized as


References:  Maheshwari & Maheshwari, Banking Law and Practices, Himalaya Publishing Pvt Ltd, Allahabad, pp.152.  Pandey, I.M. Financial Management, Vikas Publishing. House Pvt. Ltd. 2002, pp. 633.  Study material, Financial Management Unit 17, IGNOU, New Delhi. pp.6  Trend and progress of banking, RBI, pp.22-23  Gaylord A Freeman, “ The Problem of Adequate bank Capital”, quoted by Howard D. Crosse in his book on Management Policies for Commercial Banks, pp. 158.  Development Research Group Study, No. 22, Department of Economic Analysis and Policy, Reserve Bank of India, Mumbai September 20, 2000.  Financial year report of SBI 2007-08 to 2011-12.  SBI bulletin publication 2012. Financial year report of ICICI Bank 2007-08 to 2011-12.  ICICI Bank bulletin publication 2012  RBI statistical table relating to banks 2011-12. Information Memorandum  SBI and ICICI Bank annual report 2007-12. 71
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