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":
Name Of the Banks Amt of advances
State Bank Of India 157%33!5"
I$I$I Bank #0757!3#
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For the year 2005:
Name Of the Banks Amt of advances
State Bank Of India 20237"!"#
I$I$I Bank %%1!75
For the year 200#:
Name Of the Banks Amt of advances
State Bank Of India 2#1#"1!5"
I$I$I Bank 1"302%!%
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For the year 2007:
Name Of the Banks Amt of advances
State Bank Of India 33733#!"%
I$I$I Bank 1#"""!3
For the year 200:
Name Of the Banks Amt of advances
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State Bank Of India 3##"35!#
I$I$I Bank 2&25#
For the year 200%:
Name Of the Banks Amt of advances
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 $*stomers a +ot!
SBI offers f+ei(+e ten*res of +oan re/ayment!
State (ank of India has vast e/erience in the fie+d of S6 Sma++ and edi*m 6nter/rises8
Financin'!
As it is the o+dest name so it en4oys /*(+ic tr*st a +ot!
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S$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$I& an Indian deve+o/ment financia+ instit*tion! he t)o entities s*(se>*ent+y mer'ed to
(ecome the +ar'est commercia+ (ank in the /rivate sector!
Shares of the com/any 'ained s 7!75& or 1!3& to sett+e at s 5#%!%! he tota+ vo+*me of shares
traded )as 1737 at the BS6
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OB5ECTIVE OF RESEARC9
6ach research st*dy has its o)n s/ecific /*r/ose! It is +ike to discover to *estion thro*'h the
a//+ication of scientific /roced*re! B*t the main aim of o*r research to find o*t the tr*th that is
hidden and )hich has not (een discovered as yet! O*r research st*dy fo++o)in' o(4ectives:
18 o st*dy the com/arative ana+ysis (et)een SBI C I$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!
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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$I (ank!
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DATA ANAL6SIS & INTERPRETATION
*ency -ercenta'e
I$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!
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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$I 3# 'ive /reference to A services and 2" to
mo(i+e (ankin'!
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Interpretation:O*t of 50 on+y 3" res/ondents are f*++y satisfied )ith SBI and 2# )ith I$I$I
(ank!
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Interpretation: A(ove ta(+e sho)s that maim*m i!e! "0 c*stomers are hi'h+y satisfied )ith
the advance /rod*cts of SBI )here as in case of I$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"
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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$I (ank is +itt+e (it (e+o) the +ine in concentratin' on 9oan C advances /rod*cts C
services then to SBI (ank!
B*t SBI sho*+d (e considerin' more re+ia(+e (eca*se of /*(+ic sector (ank C (eca*se of its
vario*s schemes!
BIBLIOGRAP96
25
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BOOKS or 5O!RNALS
03 Pre#ton Ma'ee&R* Introd$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#
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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
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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