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State Bank of India<br />Ratio Analysis<br />
How can I make more profits from my money?<br />Mr. Dukhiram<br />
How can I judge that firm is good or bad?<br />Mr. Dukhiram<br />
State Bank Group <br />SBI Cards & Payment Services Pvt Ltd.   (with GE Capital)<br />SBI Funds Management Ltd   (with Soc...
Increase in Business Growth (Deposits by 23.39% and Advances by 23.36%)<br /> Branch Network crossed 10000 during the year...
SBI Group – Financial Highlights FY08<br />Rs in Billion<br />Total Income: 683.77  ( 100%)<br /> Interest Earned: 572.38 ...
What is ratio analysis? I don’t know anything about it.<br />Mr. Dukhiram<br />
Liquidity Ratio<br />
Liquidity ratio<br />Comments: As the ideal ratio is 2:1 but public sector companies have a very low current ratio as they...
Liquidity ratio<br />Comments: It is more rigorous and penetrating test of the liquidity position of a firm. 1:1 is the sa...
So should I now invest in this bank as its liquidity ratio is good?<br />Mr. Dukhiram<br />
PROFITABILITY RATIO<br />
PROFITABILITY RATIO<br />Comments : Bank’s operating profit is increasing as compared to previous year, it shows that it w...
PROFITABILITY RATIO<br />Comments : By analyzing gross profit ratio we measure that Bank has a good management as it impli...
PROFITABILITY RATIO<br />Comments : As the net profit ratio is not increasing at a satisfying level, it would not ensure a...
Now profitability of firm is also good so shall I proceed now with my investment?<br />Mr. Dukhiram<br />
CAPITAL STRUCTURE RATIO<br />
Capital structure ratio<br />Comments: As it shows that the ratio is decreasing as compared to previous year, it is the da...
Capital structure ratio<br />Comments: As we can see that the ratio in current year is less than 50%, it shows a danger si...
INTEGRATED RATIO<br />
integrated ratio<br />Comments: As firms earning power ratio is decreasing as compared to previous year, the bank should i...
Q2 net up<br />Net profit went up by 40.25% at Rs 2260 crore versus Rs 1611.42 crore.<br />Net interest income (NII) also ...
Presented by:<br />Deepak Verma<br />
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Ratio Analysis Of Sbi

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  • I DESPERATELY NEED THIS PROJECT..PLZ SAVE MY LIFE:'(



    plz mail me this project as soon as u read this..my id is shikhz.7792@gmail.com



    I WILL BE VERY GRATEFUL TO YOU SIR..
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  • I am doing my project on the topic related to Liquidity analysis of a private and a public sector bank for 10 years . Can u plz mail me. My id is jenysadhen@live.com
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  • Plz forward me to this. Plz. partha89.mahanta@yahoo.in
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  • i am doing my final project in sbi and my topic is A study on banking ratio with respect to sbi palakkad branch so could you mail me. My id is vipindas.mathur@gmail.com
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Ratio Analysis Of Sbi

  1. 1. State Bank of India<br />Ratio Analysis<br />
  2. 2. How can I make more profits from my money?<br />Mr. Dukhiram<br />
  3. 3. How can I judge that firm is good or bad?<br />Mr. Dukhiram<br />
  4. 4.
  5. 5.
  6. 6.
  7. 7. State Bank Group <br />SBI Cards & Payment Services Pvt Ltd. (with GE Capital)<br />SBI Funds Management Ltd (with Society Generale)<br />1992<br />1998<br />SBI Factors & Commercial Services P Ltd. <br />SBI Life Insurance Co.Ltd ( with Cardiff SA)<br />1991<br />2001<br />SBI Capital Markets Ltd.<br />SBI DFHI Ltd.** <br />2004<br />1986<br />SBI, SBICI & 7 Associate Banks <br />Foreign Subsidiaries & Joint Ventures<br />Others - RRBs, UTI-AMC, C-EdgeTech<br />
  8. 8.
  9. 9. Increase in Business Growth (Deposits by 23.39% and Advances by 23.36%)<br /> Branch Network crossed 10000 during the year<br /> Market Share in Deposits increased over March 2007 by 61 bps<br />Market Share in Demand Deposits - up at 17.40%<br /> Increase in Net Profit by 48.18% over last year<br /> Steady reduction in Cost to Income Ratio at 49.03%<br /> Strong Growth in International Banking Loan Book by 50.41%<br /> International Loans contribute 14% of Total Loans<br /> Mid Corporate exposure crosses Rs 1 laccrores<br /> Retail Banking – SBI Number One in disbursement of Home Loans<br />
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  12. 12. SBI Group – Financial Highlights FY08<br />Rs in Billion<br />Total Income: 683.77 ( 100%)<br /> Interest Earned: 572.38 (83.7%)<br /> Non-Interest Income: 8695 (28.53%)<br /> Interest Expended : 339.83 (49.7%)<br /> Operating Income : 343.94 (50.3%)<br /> Employee Expenses 105.97 (15.5%)<br /> Net Interest Income : 232.55 (34.0%)<br /> Operating Expenses : 12609 (6.65%)<br /> Other Expenses: 94.04 (13.75%)<br /> Provision for Investment Depreciation: 8.29 (1.21%)<br /> Operating Profit:13107 (31.07%)<br /> Provision for Loan Losses:17.76 (2.60%)<br /> Provisions and Contingencies :<br />2668 (10.71%)<br /> Provisions for Std Assets:9.45 (1.38%)<br />Profit Before Tax : 10439 (37.54%)<br /> Other Provisions :0.64 (0.09%)<br /> Provision for Tax: 3710(21.68%)<br /> Net Profit: 6729 (48.18%)<br /> Minority Interest: 253 (-1.2%)<br />GroupProfit: 8960 (40.8%)<br />(Figures in brackets indicate % to Total Income)<br />
  13. 13. What is ratio analysis? I don’t know anything about it.<br />Mr. Dukhiram<br />
  14. 14.
  15. 15.
  16. 16.
  17. 17.
  18. 18. Liquidity Ratio<br />
  19. 19. Liquidity ratio<br />Comments: As the ideal ratio is 2:1 but public sector companies have a very low current ratio as they have very little need for current assets. <br />But liquidity position of bank is not good. Lesser the current ratio , less will be the firm’s ability to meet current obligations<br />
  20. 20. Liquidity ratio<br />Comments: It is more rigorous and penetrating test of the liquidity position of a firm. 1:1 is the satisfactory level to meet all current claims.<br />Bank’s short term solvency is in better position.<br />
  21. 21. So should I now invest in this bank as its liquidity ratio is good?<br />Mr. Dukhiram<br />
  22. 22. PROFITABILITY RATIO<br />
  23. 23. PROFITABILITY RATIO<br />Comments : Bank’s operating profit is increasing as compared to previous year, it shows that it would ensure adequate return to owners in comparison to previous year.<br />
  24. 24. PROFITABILITY RATIO<br />Comments : By analyzing gross profit ratio we measure that Bank has a good management as it implies that higher the gross profit to sales, higher will be the good managing power.<br />
  25. 25. PROFITABILITY RATIO<br />Comments : As the net profit ratio is not increasing at a satisfying level, it would not ensure adequate return to owners as well as it enable the bank to with stand adverse economic conditions.<br />
  26. 26. Now profitability of firm is also good so shall I proceed now with my investment?<br />Mr. Dukhiram<br />
  27. 27. CAPITAL STRUCTURE RATIO<br />
  28. 28. Capital structure ratio<br />Comments: As it shows that the ratio is decreasing as compared to previous year, it is the danger signal for owners. If the project fails financially, the owners would lose heavily.<br />
  29. 29. Capital structure ratio<br />Comments: As we can see that the ratio in current year is less than 50%, it shows a danger signal in using excessive debt and also lack of ability to offer assured payment of interest to the lenders.<br />
  30. 30. INTEGRATED RATIO<br />
  31. 31. integrated ratio<br />Comments: As firms earning power ratio is decreasing as compared to previous year, the bank should improve its performance either by generating more sales volume per rupee of investment or by increasing the profit margin per rupee of sales.<br />
  32. 32. Q2 net up<br />Net profit went up by 40.25% at Rs 2260 crore versus Rs 1611.42 crore.<br />Net interest income (NII) also rose by 45% to Rs 5,455.35 as against Rs 3,762.93 crore.<br />Consolidated NII was up by 42.53% to Rs 7,518.72 crore from Rs 5,275.12 crore. <br />Net profit rose by 7.87% to Rs 2,378.19 crore from Rs 2,204.56 crore.<br />Provision for non-performing assets (NPAs) stood at Rs 911 crore versus write back of Rs 16.5 crore.<br />Treasury revenues went up by 32% at Rs 4,314.5 crore versus Rs 3,262.9 crore.<br />Banking operations rose by 5.3%.<br />Other income was up at Rs 2343.1 crore from Rs 2041.94 crore.<br />
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  36. 36. Presented by:<br />Deepak Verma<br />

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