PROJECT ON SBI BANKING

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A

Project Report On

“Financial Statement Analysis”

Prepared At

“STATE BANK OF INDIA”

Submitted By Submitted By

Mr. PRATIK N. KANSARA

T.Y.B.B.A. T.Y.B.B.A. (Sem-6 th) (Sem-6 th)

Under the guidance of

Ms. Hetal D. Tandel

(Lecturer, NLCCM) (Lecturer, NLCCM) Submitted To, Submitted To,

Naranlala College of Commerce & Management

Naranlala College of Commerce & Management,, Navsari.

Navsari.

“Financial Statement Analysis”

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COLLEGE CERTIFICATE

This is

This is certify that certify that project on project on FinancialFinancial statement

statement analysis analysis of of “STATE “STATE BANK BANK OF OF INDIA’’ INDIA’’ isis submitted by MR. KANSARA PRATIK N.,T.Y.B.B.A submitted by MR. KANSARA PRATIK N.,T.Y.B.B.A ,ROLL NO 15 to the

,ROLL NO 15 to the NARAN LALA COLLEGE OFNARAN LALA COLLEGE OF

COMMERCE & MANAGEMENT ,NAVSARI. In the partial COMMERCE & MANAGEMENT ,NAVSARI. In the partial fulfillment in requirement for the Degree of Bachelor of

fulfillment in requirement for the Degree of Bachelor of Business Administration from “THE VEER NARMAD Business Administration from “THE VEER NARMAD SOUTH GUJRAT UNIVERSITY SURAT

SOUTH GUJRAT UNIVERSITY SURAT

.”

_________________ ____________________ _________________ ____________________ MS.H.D.Tandel

MS.H.D.Tandel

,,

DR. R.C.GANDHIDR. R.C.GANDHI

,,

Guidance

,,

DIRECTOR DIRECTOR

..

NLCCM

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Declaration

I undersigned here by declared that this project work I undersigned here by declared that this project work entitled “Financial statement analysis - worked on STATE entitled “Financial statement analysis - worked on STATE BANK OF INDIA” is written & my own work and is BANK OF INDIA” is written & my own work and is submitted by me to NLCCM, Navsari toward the partial submitted by me to NLCCM, Navsari toward the partial ful

fulfilfillmelment for awnt for award ard BBA iBBA in year 20n year 2008 – 2009, th08 – 2009, this isis is original report work and report written there in is based on original report work and report written there in is based on the knowledge and material gained from the bank. It is not the knowledge and material gained from the bank. It is not to submit to any other university or institutions for any to submit to any other university or institutions for any other purpose.

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ACKNOWLEDGEMENT

“Experience is the best teacher.”Knowledge is one of “Experience is the best teacher.”Knowledge is one of the most important tools.Only theoretical knowledge is not the most important tools.Only theoretical knowledge is not exactly applicable in practical life,from this point of view exactly applicable in practical life,from this point of view industrial training is important &

industrial training is important & necessary for a managementnecessary for a management student .Theoritical knowledge is proved right only often it is student .Theoritical knowledge is proved right only often it is rightly applicable on practical base.

rightly applicable on practical base.

I also thankful to Mr. J.P.Garasia,Assist. Manager I also thankful to Mr. J.P.Garasia,Assist. Manager ,SBI

,SBI NAVSARI foNAVSARI for r providing providing valuable valuable informationinformation ,guidance & consist co-operation through out the training ,guidance & consist co-operation through out the training programmed .

programmed .

I am also thankful to Dr.R.C.Gandhi, Director of I am also thankful to Dr.R.C.Gandhi, Director of N

Naarraannllaalla a CColollleege ge oof f CCoommmmeerrcce e & & MMaananagegemmeenntt,, Navsari, & Pro. Ms. Hetal .D. Tandel, my project guide, Navsari, & Pro. Ms. Hetal .D. Tandel, my project guide,

fo

for r gigiviving ng me me an an exexcecellllenent t anand d ininvavaluluabable le guguididanancece during the course.

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SYNOPSIS

This project of “Financial Statement Analysis” of This project of “Financial Statement Analysis” of State Bank of India is based on all financial information about the State Bank of India is based on all financial information about the bank. The

bank. The objectives of bank objectives of bank & method of col& method of collecting data is cllecting data is clearlyearly define by this project report on bank.

define by this project report on bank.

The

The project includes project includes the objectives the objectives - to study - to study thethe

Annual report or financial position of the company, to understand the Annual report or financial position of the company, to understand the day-to-day work carry out by the organization, to observe the cash day-to-day work carry out by the organization, to observe the cash inflow & outflow,to check the profitability of bank

inflow & outflow,to check the profitability of bank To study theTo study the policy

policy of of the the bank bank etc.etc.

.. .

. The The project project indicates indicates the the primary primary (direct) (direct) method method of of collection- collection-as bank’s ann

as bank’s annual report of ual report of previous year,diprevious year,different documfferent document preparedent prepared by the bank and from various reference books ,from Indian statistical by the bank and from various reference books ,from Indian statistical

year book,from various websites etc. year book,from various websites etc.

In short,this project report is the in- depth

In short,this project report is the in- depth study of allstudy of all kind of “Financial Statements” of the bank

kind of “Financial Statements” of the bank which reflects thewhich reflects the past,current & future financial position of the

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METODOLOGY

Preparing the project report is a

Preparing the project report is a research analysis,it involvesresearch analysis,it involves the process of collecting data,analyzing data & reporting data f

the process of collecting data,analyzing data & reporting data for absoluteor absolute results.

results.

For the preparation of project

For the preparation of project report on “Financial Statementreport on “Financial Statement Analysis” of “SBI Bank”.This project report

Analysis” of “SBI Bank”.This project report is based on two types of is based on two types of data i.e.data i.e. (1)Primary data(2)Secondary data.

(1)Primary data(2)Secondary data. 1).Primary

1).Primary

data:-Primary data is the

Primary data is the data,which has not been collected & used bydata,which has not been collected & used by somebody else before.In short,Primary data m

somebody else before.In short,Primary data means the data specificallyeans the data specifically collected for the project.I have collected data from

collected for the project.I have collected data from the managers by askingthe managers by asking question because it is difficult for

question because it is difficult for me to understand the study.me to understand the study. 2)Secondary

2)Secondary

data:-Secondary data is the data,which is collected from

Secondary data is the data,which is collected from published source.Ipublished source.I have collected data from various sources

have collected data from various sources such as bank’s annual report of such as bank’s annual report of previous year,different document prepared by the bank and fr

previous year,different document prepared by the bank and from variousom various reference books also.

reference books also.

After the data collection of both the sources, I have analyzed After the data collection of both the sources, I have analyzed the data & c

the data & conducted various onducted various financial ststement financial ststement analysis & preparedanalysis & prepared various graphs.

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OBJECTIVES OF STUDY



To study the Annual report or financial position of To study the Annual report or financial position of the company.

the company.



To understand the day-to-day work carry

out by the organization.

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To study the bank’s history in brief.To study the bank’s history in brief.



To draw meaningful and constructive measureTo draw meaningful and constructive measure based on analysis.

based on analysis.



To study the current existing position of SBI Bank’sTo study the current existing position of SBI Bank’s whole field.

whole field.



To observe the cash inflow & outflow.To observe the cash inflow & outflow.



To check the profitability of bank.To check the profitability of bank.



To study To study the policy the policy of of the bank.the bank.



To analyse how the bank is managing its currentTo analyse how the bank is managing its current assets & current liabilities.

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LIMITATIONS OF STUDY

There is no activity that can be completed without any There is no activity that can be completed without any limitation.The main limitation faced during the preparation of

limitation.The main limitation faced during the preparation of thisthis project report on “Financial Statement Analysis”of “SBI” is as project report on “Financial Statement Analysis”of “SBI” is as

follows:-

 Time available for the completion of the Time available for the completion of the project is very short,project is very short, hence

hence much informmuch information could ation could not be not be undertaken.undertaken.



 The information collected through secondary data.Some of theThe information collected through secondary data.Some of the information might be wrong.

information might be wrong.

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 The calculation & computation are based on The calculation & computation are based on valuablevaluable information given by the bank.

information given by the bank.



 The report is based on the analysis of the last five yearsThe report is based on the analysis of the last five years data,which may not be sufficient in some cases.

data,which may not be sufficient in some cases.

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 The analysis and conclusion made is The analysis and conclusion made is as per my limitedas per my limited understanding for this concerned subject.