Chapter: 1 INTRODUCTION 1.1 Background of CP: Capstone project is included in the curriculum for making the students aware about the working of the industry and correlating the theoretical concepts that we have studied in BBA. It is an effort to know how the theoretical concepts are really applicable in the industries. In our project we will try to find how the companies through the market research make the required changes in the services and how the acceptance of the services increases, The project is based on the data that is been collected from different sources and a primary survey is conducted to support the project findings. The topic on which this project is based relates the customer satisfaction towards the basic requirements of the customers. We have covered our objective as ‘customer behavior’ from the services they used from different banks. This project consists market research values of the similar services in existing market B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 1
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Chapter: 1
INTRODUCTION
1.1 Background of CP:
Capstone project is included in the curriculum for making the students
aware about the working of the industry and correlating the theoretical
concepts that we have studied in BBA. It is an effort to know how the
theoretical concepts are really applicable in the industries.
In our project we will try to find how the companies through the market
research make the required changes in the services and how the
acceptance of the services increases, The project is based on the data
that is been collected from different sources and a primary survey is
conducted to support the project findings. The topic on which this project
is based relates the customer satisfaction towards the basic
requirements of the customers. We have covered our objective as
‘customer behavior’ from the services they used from different banks.
This project consists market research values of the similar services in
existing market
1.2 Rational of the study :
Capstone project is about managing the resources to collect the
consumer’s review towards the services they used from banks here at
Gandhinagar.The study is all about what the common people prefers the
most and their satisfaction and dissatisfaction from such competitive
banks available and their behavior on the retail service from different
banks.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 1
Our project aims at gain the information which of the services most
people prefer. This project targets all the people in the society viz. rich
people, middle class and poor people. As a part of our business
management study students we are required to make familiar with the
corporate field competition there in and why and how certain banks
dominating the market. By visiting personally banks and approaching the
customers’ i.e. actual users of the service we will try to find the answers
to these questions. Survey carried out by us the management students
will definitely help to sharp knowledge for the subject chosen by us as
well as assists market research. Eventually if required during the actual
job when assigned for survey in the market we can easily draft our
findings by such previous experience. Whenever we are in job we will be
able to direct the management by analyzing survey data to increase sell
of certain services.
Data collected by the survey is much more essential to form strong
platform for services in the market. By personal meeting with the actual
users we could know people preference for certain branded outlets
services. We will try to find out about the choice of the people as well as
what they are thinking about the services. These services having
perishable life, prompt decision is much more essential for collection and
disposal thereof, otherwise clients would be dissatisfied having nearest
expiry. Each and every service in market is required to be based on
quality control. By this study, we will try to find out what kinds of services
arechosen by customers. These findings would be helpful for managers,
market researchers and consultants for future plans and projects.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 2
Research and Methodology :
1.3 OBJECTIVE :
To get knowledge about banking industry
The major players in private and public sector.
Analysis of different ratios of each private and public bank. (Indian
bank, SBI, ICICI,AXIS)
Our objective is to make comparative study of financial
performance of Private and Public sector Bank.
1.4 METODOLOGY:
The traditional set of ratios like Gross Profit Ratio , Stock
Turnover Ratio , Debtors Ratio , Net Profit Ratio , Credit Ratio
etc. are considered to study the Financial Performance of Banks.
We have tried to study the performance of banks by applying
C.A.M.E.L. Model.
This model analyses the banks various parameters like Capital
Adequacy, Asset Quality, Management, Earnings and Liquidity.
A different sets of ratios under C.A.M.E.L. model have been used.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 3
1.5 Chapterlization skills
Ch-1 Introduction
The first chapter of this project is Introduction about the banking sector both public sector and private sector also include the back ground of cp, Rational study. We also maintion the objective of the Capstone project and how many data sources and methodology are available and also show the history of the modern banking in india.
Ch-2 Structure of banking system
The second Chapter about the Structure of Banking System in India. Include of RBI, schedule bank ,non schedule bank etc. and banking system like public sector, private sector bank. Include all of all four Banks , branches, service, key data, other services, chenal etc.
Ch-3 C.A.M.L Modal
This chapter is about the C.A.M.E.L model is include the overall financial condition of a bank and also ability of the management to need for additional capital C.A.M.E.L Modal Include the capital Adequancy , Assets Quality management , earning , liquidity.
Ch-4 Ratio anaylisis
In this chapter we have to ratio analysis of performance of business on C.A.M.E.L modal include of the advances to Assets ratio , total investment to total assets ratio etc. and compare to all four banking in both sector.
Ch-5 Findings
Findings chapter include the capital adequancy ratio , assets quality parameter, management efficiency parameter, liquidity parameter ,erning they all are include and look position of all four banks in the different stage.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 4
Ch-6 Conclusion
In the Conclusion we have to analyzed the Report of all the four banks. State bank of india, Bank of india , ICICI , Axis bank . from that analysis we wish to conclude that all four Banks competitive of each other.
Ch-7 Bibliography
In the last this chapter we have include and write the name of the books for the helps of this project and also write the website name and other sources of the data collation for help full this banking project.
1.6 Limitations:
Because of shortage of time, we could not get all information of
every bank.
It was too much critical to get information from bank customers.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 5
Introduction To Banking Sector
History of Modern Banking in India:
In the first half of the nineteenth century, the east India Company
established three banks. The bank of Bengal in 1809, the bank of
Bombay in 1840, and the bank of Madras in 1843, these three banks,
also known as presidency banks were subsequently amalgamated and
the imperial bank of India was established in 1921. The Imperial Bank of
India was nationalized in 1955 by the State Bank.
Definition of Bank: The oxford Dictionary defines a bank as “an establishment for the
custody of money, which it pays out on a customer’s order.” Since it
ignores the most important function of a bank is of creating money or
creating credit. We can define bank as an institution whose debts (bank
deposits) are widely accepted in settlement of other people’s debts to
each other. The banker’s business is then, to take debts of other people
to offer his own in exchange and thereby to create money.
The Banking Companies act, 1949 as one “ which transacts
the business of banking which means the accepting , for the purpose of
lending or investment, of deposits of money from public, repayable on
demand or otherwise and withdraw able by cheque, draft, order, or
otherwise.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 6
Chapter - 2
Structure of banking system in India:
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 7
Corporation Bonds + Shares of Regional Rural Banks]
Table:- B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 81
Bank 04-05 05-06 06-07 07-08 08-09 Geometrical
Mean
SBI 0.15 0.26 0.32 0.38 0.20 0.25
BOI 0.90 0.70 0.60 0.40 0.30 0.54
ICICI 0.016 0.015 0.013 0.012 0.010 0.01
AXIS 0.11 0.15 0.10 0.10 0.10 0.11
0.00
0.10
0.20
0.30
0.40
0.50
0.60
SBI
BOI
ICICI
AXIS
SBI BOI ICICI AXIS
Bank
Geom
etrica
l Mean
APPROVED SECURITY TO TOTAL ASSETS RATIO
APPROVED SECURITY TO TOTAL ASSETS RATIO :-
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 82
Considering the figure of the approved security to total assets, it is
evident that the performance of BOI is best followed by SBI than AXIS
and ICICI.
BANKS RANKS
SBI 4
BOI 2
ICICI 3
AXIS 1
Chapter: 5:Research Analysis: B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 83
Capital adequacy ratio
Particular
s
Capital
Adequac
y ratio
Debt-
Equit
y
ratio
Advance
s to
asset
ratio
G.sec. to
total
investme
nt ratio
Averag
e
Finding
s
(Ranks
)
SBI 2 3 2 2 2.25 2
BOI 4 4 1 1 2.50 3
ICICI 1 1 3 3 2.00 1
AXIS 3 2 4 4 3.25 4
In the above table we can see that ICICI tops in the capital
adequacy parameter’s ratios followed by SBI, BOI and AXIS
Assets Quality Parameter:
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 84
Particular
s
NPA to
total
Asset
ratio
Net NPA
to net
Advance
ratio
Total
Investment
to total
assets ratio
Averag
e
Findings
(Ranks)
SBI 4 4 3 3.67 4
BOI 3 2 1 2.00 1
ICICI 2 3 2 2.33 3
AXIS 1 1 4 2.00 1
In the above table we can see that BOI and AXIS banks tops at
first position in the asset quality parameter followed by SBI and ICICI.
Management efficiency parameter:
Particulars Total Profit per Business RON Average Findings
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 85
Adv. to
total
deposit
ratio
employee per
employee
(Ranks)
SBI 3 4 2 2 2.75 3
BOI 2 3 1 3 2.25 1
ICICI 1 1 3 4 2.5 2
AXIS 4 2 4 1 2.75 3
In the above table we can see that BOI tops in the management
efficiency parameter’s ratio.
Earning quality parameter:
Particular Operating Net Interest Non Average Findings
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 86
s profit by
avg.
working
fund
profit
/avg.
assets
ratio
/
working
funds
Int./
working
funds (Ranks)
SBI 1 2 2 3 2 2
BOI 4 1 3 4 3 3
ICICI 3 4 4 2 3.25 4
AXIS 2 3 1 1 1.75 1
In the above table we can see that AXIS tops in the earning quality
parameter’s ratios followed by SBI, BOI and ICICI.
Liquidity parameter:
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 87
Particular Liquid
assets/
demand
deposit
s
Liquid
assets/
total
deposit
s
Liqui
d
asset
s/
total
asset
s
Gov.
sec. to
total
assets
Approve
d sec. to
total
assets
Averag
e
Findings
(Ranks)
SBI 3 1 4 2 2 2.4 3
BOI 1 2 2 3 1 1.8 1
ICICI 2 1 3 3 4 2.6 4
AXIS 4 2 1 1 3 2.2 2
In the above table we can see that BOI tops in the liquidity
parameter’s ratios followed by AXIS, SBI and ICICI.
Q-1) Are you customer with our bank?
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 88
99%
1%
Customer of Bank
12
Analysis:
From the above diagram, from the survey of 100 Respondents are the customer with our sample banks SBI, ICICI,BOI and AXIS bank.
There should be required 100% Response for ‘yes’ through the question for the Identification of Respondents.
Interpretation:
As per the above analysis, all the respondents are the customers of the bank, the respondents who is not customer of the bank for that respondents are not eligible for the sample.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 89
As per the above diagram, We are selecting those respondents who are performing our sample banks from the all 100 Respondents,
28 Respondents have been preferred State Bank of India. 22 Respondents have been preferred ICICI. 20 Respondents have been preferred Bank of India. 30 Respondents have been preferred Axis Bank.
For all the Respondents Response presenting in percentage (%) for SBI, ICICI, BOI and Axis with 28%, 22%, 20% and 30% respectively.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 90
Q-3) which type of account you are having?
Name of banks
Savings A/c Current A/c Joint A/c Business A/c
SBI 15 5 6 2BOI 12 6 3 1
ICICI 13 4 2 1AXIS 18 7 3 2
Savings A/c Current A/c Joint A/c Business A/c0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
53.57% 17.86%21.43% 7.14%
54.55% 27.27%
13.64%4.55%
65.00% 20.00%15.00%
5.00%
60.00% 23.33%10.00%
6.67%
AXIS
ICICI
BOI
SBI
Type of Account
Resp
onse
s in
%
Analyses :
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 91
From the above diagram, the Respondents are mention their types of accounts, which are saving accounts, current accounts, joint accounts and Business accounts.
In SBI from 28 Respondents who have possessing 53.57% of saving A/C,17.86% of current A/C,21.43% of joint A/C and 7.14 of business A/C.
In the ICICI from 22 Respondents who have possessing 54.55%, 27.27%, 21.43%, and 4.55% with saving A/C, current A/C, joint A/C, and Business A/C are respectively.
In the BOI from the 20 Respondents who have possessing 65% of saving A/C, 20% of Current A/c,15% of joint A/C and 5% of business A/C.
In the Axis bank from the 30 Respondents who have possessing 60% of saving A/C, 23.33% of current A/C,10% of joint A/C and 6.67% of business A/C
Interpretation:-
From the above analysis, we can know that different types of an account holder how to handle different types of A/C holder are required distinctive services which are providing by banks.
Savings A/c is more preferable than the all selected others banks.
Public sector banks SBI & BOI having more account holders than the privet ICICI & AXIS banks.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 92
Q-4) how much satisfied are you with the service provided by the bank?
Less than a year Bettwen 1-5year Bettwen 5-10year Above 10years0%
10%20%30%40%50%60%70%80%90%
100%
Reletionship with custemers
AXISICICIBOISBI
Time Period
Resp
onse
s in
%
Analyses:
From the above diagram, we are presenting that how long they are customer of our bank. In SBI BANK from 28 respondents there are 8 responses 1 year
old, 15 responses 5years older, and 5 responses 10years older. In ICICI BANK from 22 respondents there are 10 responses 1
year old, 8 responses 5years older, 3 responses 10years older, and 1 response above 10years older.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 93
In BOI BANK from 20 respondents there are 9 responses 1 year old, 6 responses 5years older, and 5 responses 10years older.
In AXIS BANK from 30 respondents there are 15 responses 1 year old, 10 responses 5years older, 3 responses 10years older and 2 responses above 10years older.
Interpretation:
Here, we know about the relationship between customer and respective banks by which how much longer they are maintaining their account.
We also measure the customer satisfaction from which they maintain an account and transactions.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 94
Q-5) how much satisfied are you with the service provided by the bank?
From the above diagram, we are presenting the respondents satisfaction with respective banks.
In SBI from 28 respondents 10, 8, 6, and 4 with very satisfied, satisfied, somewhat satisfied, dissatisfied.
In ICICI from 22 respondents 8,10,2, and 2 with very satisfied, satisfied, somewhat satisfied, dissatisfied.
In BOI from 20 respondents 6, 7, 2, and 5 with very satisfied, satisfied, somewhat satisfied, dissatisfied.
In AXIS from 30 respondents 12, 9, 7, and 2 with very satisfied, satisfied, somewhat satisfied, dissatisfied.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 95
Interpretation:
As per the analysis public sector banks respondents are more dissatisfied than the private sector banks .There is also mention that respondents more satisfied by private bank than the public sector.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 96
Q-6) do you feel that the procedure to open account with the bank was difficult?
SBI BOI ICICI AXIS02468
1012141618
108
7
12
18
1413
18
YesNo
Name of Bank
No. o
f Res
pons
es
Analyses:-
From the above diagram, there are respondents give Response for the difficult in open an account. In SBI from 28 Respondents, 10 get difficulty and 18 have
number of difficulty for open an account. In ICICI from 22 Respondents, 8 get difficulty and 14 have
number of difficulty for open an account. In BOI from 20 Respondents, 7 get difficulty and 13 have
number of difficulty for open an account. In Axis from 30 Respondents, 12 get difficulty and 18 have
number of difficulty for open an account
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 97
Name of banks
Yes No
SBI 10 18BOI 8 14ICICI 7 13AXIS 12 18
Interpretation:-
From the above information SBI & BOI bank respondent get less difficulty then the ICICI & Axis bank.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 98
Q-7) Do you always get prompt service whenever you visit the branch?
Online Ticket book-ing
Online Bill payments Balance Check Request for a cheque book
0
5
10
15
20
25
30
35
40
45
50
16
6 3 3
10
8
3 1
8
6
51
10
15
3
3
AXISICICIBOISBI
Answer Option
No. o
f Res
pons
es
Analysis:-
From the above diagram, are presenting that,
In SBI 28 respondents 8, 10, 8, 2 with always, sometime, rarely and never respectively.
In ICICI bank from 22 respondent 13, 6, 2 and 1 with always, sometime, rarely and never respectively.
In BOI bank from 20 respondent 10, 4, 3, and 1 with always, sometime, rarely and never respectively.
In Axis bank from 30 respondents 15, 8, 7, with always, sometime, rarely respectively.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 99
From the above analysis, SBI and BOI possessing less prompt services then ICICI and Axis.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 100
Q-8) Do you agree that minimum account limit is not high and easy to maintain?
Online Ticket booking Online Bill
payments Balance CheckRequest for a cheque book
05
1015202530354045
16
63
3
10
8
31
8
6
5
1
10
15
3
3
AXIS
ICICI
BOI
SBI
Answer Option
No.
of R
espo
nses
Analysis:-
From the above diagram, gave response that on
10 respondents strongly agree, 8 respondent agree, 5 respondent somewhat agree, 3 respondent disagree and 2 respondent strongly agree of them SBI.
8 respondents strongly agree, 6 respondent agree, 6 respondent somewhat agree, 2 respondent disagree and 2 respondent strongly agree of them BOI.
11 respondents strongly agree, 8 respondent agree, 1 respondent somewhat agree, and some respondent are not give response to disagree and strongly agree of them ICICI.
12 respondents strongly agree, 8 respondent agree, 6 respondent somewhat agree, 1 respondent disagree and 3 respondent strongly agree of them Axis.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 101
We are also interpret that, public banks SBI and BOI respondents are feel too easy to maintain but some of the private the bank are not agree to maintain their minimum account balance.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 102
Q-9) would you like suggest any changes or improvement in any service or any feature of the bank?
From the above diagram, the respondents are more effective to the bank future.
In SBI from 28 respondents gave response towards yes 64.29% more than no 35.71% for providing suggestion.
In ICICI bank from 22 respondents some of them make suggestion 59.09% no for 40.91%.
In BOI from 20 respondent want to give suggestion 40.80% and 60% respondent does not give any suggestion.
In Axis bank from 30 respondents gave of 70% and no for 80% suggestion.
Interpretation:-
We are also interpreting that, 70.21% respondent give suggestion to Axis & 64.29% respondent give suggestion to SBI; both are in competition for improvement their feature by the suggestions.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 103
Q-10) are the banks customer care services efficient?
From the above diagram we measure that customer care service efficiently providing by the bank,
In SBI 39.29% respondents give positive response and 60.71% give negative response.
In BOI 54.55% respondents give positive response and 45.45% give negative response.
In ICICI 45% respondents give positive response and 65% give negative response.
In SBI 73.33% respondents give positive response and 26.67% give negative response.
Interpretation:-
As per the above analysis, SBI and BOI public sector banks are providing less efficiently customer care service than the ICICI and Axis private sector banks.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 104
Q-11) How do you plan to improve your net interest margin and return on assets?
SBI BOI ICICI AXIS
18
4
15
21
10
18
5
9
Interest MarginMarket based bank based
Name of Bank
Analysis:-
From the above diagram respondents gave response for the interest margin and returns on assets,
In SBI respondents said that 18 for market base and 10 response for bank based.
In ICICI bank 4 response against market based and 18 responses against bank based.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 105
Name of banks
Market based bank based
SBI 18 10BOI 4 18ICICI 15 5AXIS 21 9
In BOI bank 15 response against market based and 15 responses against bank based.
In Axis bank 21 response against market based and 9 responses against bank based.
Interpretation:-
We are also interpret that 21 respondents and 18 respondent give response against market based of them AXIS & SBI respectively and 10 respondents and 9 respondent give response against bank based of them AXIS & SBI respectively.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 106
Q-12) How do you competition with the sum of old generation banks strengthening their leadership team ?
Name of banks
Lower interest rate
Banking Facility
SBI 22 6BOI 4 18ICICI 16 4AXIS 12 18
SBIBOI
ICICIAXIS
0
5
10
15
20
25
30
22
4
16
12
6
18
418
Banking FacitilityLower interest rate
Name of Bank
No
. Of R
esp
on
ses
Analysis:-
From the above diagram respondents gave response for the interest
In SBI respondents said that 22 for lower interest rate and 6 response for banking facility.
In ICICI bank 4 response against lower interest rate and 18 responses against banking facility.
In BOI bank 16 response against lower interest rate and 4 responses against banking facility.
In Axis bank 12 response against lower interest rate and 18 responses against banking facility.
Interpretation:-
As per the above analysis, public banks SBI and BOI providing lower interest rate and public banks ICICI and AXIS bank providing efficiently banking facility .
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 107
Q-13) How do you access information concerning employment opportunities?
Media internet word of mouth other0
5
10
15
20
25
30
35
40
118 6
3
8
65
2
6
22
0
15
8
4
3
AXISICICIBOISBI
Analysis:-
From the above diagram we measure that access information concerning opportunities,
In SBI respondents give their response for 11 of media,8 of internet,6 of word of mouth and 3 of other .
In BOI respondents give response for 6 of media 12 of internet, and 2 of word of mouth and no response for other opportunities.
In ICICI respondents give their response for 8 of media,6of internet,5 of word of mouth and 2 of other .
In AXIS respondents give response for 15 of media 8 of internet, and 4 of word of mouth and 3 of other opportunities.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 108
Name of banks
Media internet word of mouth
other
SBI 11 8 6 3BOI 8 6 5 2ICICI 6 2 2 0AXIS 15 8 4 3
Interpretation:-
We are also interpreting that, in SBI and AXIS bank both are the in compotation for providing enough information related to employment opportunities batter than the ICICI and BOI .
Q-14) since how long are you using the online banking system provided by our bank?
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 109
Within one month 1-6 months 6-1 year above 1 year0
2
4
6
8
10
12
14
8
10
5 5
98
23
10
6
4
0
14
67
3
SBIBOIICICIAXIS
Time Period
No. o
f Res
pons
es
Analyses:-
From the above diagram, the Respondents are mention their use of online banking system provided by a particular bank,
In SBI from 28 Respondents who have using 8 for within a month,10 for 1 to 6 month,5 for 6 to 12 months and 5 for above a year.
In the ICICI from 22 Respondents who have using 9 for within a month,8 for 1 to 6 months, 2 for 6 to 12 months and 3 for above a year.
In BOI from 20 Respondents who have using 10 for within a month,6 for 4 to 6 month,4 for 6 to 12 months and no one for above a year.
In the AXIS from 30 Respondents who have using 14 for within a month,6 for 1 to 6 months, 7 for 6 to 12 months and 3 for above a year.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 110
Interpretation:-
As per the above analysis, private banks ICICI and AXIS banks have more respondents’ for using online banking than the public banks SBI and BOI for longer period and for short period.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 111
Q-15) what is the major purpose for which you use the online banking?
Request for a cheque bookBalance CheckOnline Bill paymentsOnline Ticket booking
Name of Bank
No.
of R
espo
nses
Analyses:-
As per the above diagram we mention the major purpose of online banking providing by the banks,
In SBI form 28 respondents 16 for online ticket booking, 6 for bill payments 3 for balance check and 3 for request for checkbook.
In ICICI form 22 respondents 10 for online ticket booking, 8 for bill payments 3 for balance check and 1 for request for checkbook.
In SBI form 20 respondents 8 for online ticket booking, 6 for bill payments 5 for balance check and 1 for request for checkbook.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 112
In AXIS form 30 respondents 10 for online ticket booking, 15 for bill payments 3 for balance check and 2 for request for checkbook.
Interpretation:-
As per the above analysis, the major purpose for using online banking service through the public banks SBI and BOI are more preferred than the private bank ICICI and AXIS bank.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 113
Q-16) Have you ever used the third party transaction of the online banking?
Name of banks
Yes No
SBI 18 10BOI 8 14ICICI 7 13AXIS 19 11
SBI BOI ICICI AXIS0
2
4
6
8
10
12
14
16
18
20 18
78
19
10
1314
11
YesNo
Analysis:-
From the above diagram, the respondents give response yes or no for the used the third party transfers of online banking,
In SBI from 28 respondents are give 18 response for positive and 10 for negative for third part transfer.
In BOI from 20 respondents are give 7 response for positive and 13 for negative for third part transfer.
In ICICI from 22 respondents are give 8 response for positive and 14 for negative for third part transfer.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 114
In Axis from 30 respondents are give 19 response for positive and 11 for negative for third part transfer.
Interpretation:-
As per the above analysis, mostly respondents gave response in fever of ICICI bank and SBI bank which are both in competition and BOI and ICICI also have competition for the use of third party transfer of the online banking.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 115
Q-17) do you think the third party transfer system in particular and the entire online banking website provides you enough security?
Name of banks
Yes No
SBI 10 18BOI 16 4ICICI 8 12AXIS 18 12
SBI BOI ICICI AXIS0
2
4
6
8
10
12
14
16
18
20
10
16
8
1818
4
12 12
YesNo
Analysis:-
From the above diagram respondent gave that,
In SBI 10 responses for positive and 18 responses negative for enough security of online banking website.
In BOI 16 responses for positive and 4 responses negative for enough security of online banking website.
In ICICI 8 responses for positive and 12 responses negative for enough security of online banking website.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 116
In Axis 18 responses for positive and 12 responses negative for enough security of online banking website.
Interpretation:-
As per the above analysis, private banks ICICI and AXIS bank have batter enough security for online banking website than the public banks SBI and BOI banks for the enough security of online banking website.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 117
Q-18) Have you ever visited your bank branch since the time you started using online banking?
Name of banks
Yes No
SBI 16 12BOI 8 14ICICI 12 8AXIS 11 19
34%
17%
26%
23%
YesSBI BOI ICICI AXIS
23%
26%
15%
36%
No1 2 3 4
Analysis:-
From the above diagram respondent gave that,
In SBI 16 responses for positive and 12 responses negative for visiting their bank branch since started using online banking.
In BOI 8 responses for positive and 14 responses negative for visiting their bank branch since started using online banking.
In ICICI 12 responses for positive and 8 responses negative for visiting their bank branch since started using online banking.
In Axis 11 responses for positive and 19 responses negative for visiting their bank branch since started using online banking.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 118
Interpretation:-
As per the above analysis, the respondents give response in fever of SBI and AXIS bank more positive for visiting at the time of using online banking than the BOI and ICICI for visiting bank branch of using online banking.
B.P. COLLEGE OF BUSINESS ADMINISTRATION, TY BBA/SEM-VI 119
Conclusion
We have analyzed the reports of all the four banks, state bank of India,
ICICI bank, axis bank, bank of India from that analysis we wish to
conclude that all the four banks are competitive of each other.
From the study we learnt how to study the annual report of the banks in
detail and how to find relative and useful information from that.
We have studied various ratios on the basis of CAMEL model and tried
to interpret the same. We learnt many things from this project, which
would be very useful in our future study.
We have also mention the various different ratio performance of all to
types of banking sector include of SBI, BOI, ICICI, AXIS the ratio
performance of bank like capital adequacy ratio, Debt equity ratio,
Advances to access ratio government securities total ratio and net non
performing ratio etc.
An analysis all information about all the ratio and analysis banking facility
in the banking sector how the customer satisfied by the public and
private banking facility in the exiting banking sector.
We have also make a primary survey through the questioner for
satisfying our cp’s objectives.
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