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    Declaration

    I undersigned here by declared that this

    project work entitled Financial statement

    analysis - worked on STATE BANK OF

    INDIA. Navsari is written & my own work

    and is submitted by me to NLCCM, Navsari

    toward the partial fulfilment for award BBA in

    year 2008 2009, this is original report work

    and report written there in is based on the

    knowledge and material gained from the bank.

    It is not to submit to any other university or

    institutions for any other purpose.

    1

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    A

    Project Report On

    Financial Statement AnalysisFinancial Statement AnalysisPrepared At

    STATE BANK OF INDIASubmitted By

    Mr. PRATIK N. KANSARAMr. PRATIK N. KANSARAT.Y.B.B.A.(Sem-6 th)

    Roll No. - 15

    Under the guidance ofMs. Hetal D. Tandel(Lecturer, NLCCM)

    Submitted To,

    Naranlala College of Commerce & Management,Navsari.

    Veer Narmad South Gujarat University, Surat.

    2008-2009

    2

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    COLLEGE CERTIFICATE

    This is certify that project on Financial statement

    analysis done at STATE BANK OF INDIA,NAVSARI.is submitted by MR. KANSARA PRATIK

    N.,T.Y.B.B.A ,ROLL NO 15 to the NARAN LALA

    COLLEGE OF COMMERCE & MANAGEMENT

    ,NAVSARI. In the partial fulfil ment in reqirement for

    the Degree of Bachelor of Business Administration

    FROM THE VEER NARMAD SOUTH GUJRATUNIVERSITY,SURAT .

    ____________________ ____________________

    MS.H.D.Tandel , DR. R.C.GANDHI,

    Guidance , DIRECTOR.

    NLCCM.

    3

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    ACKNOWLEDGEMENT

    Experience is the best teacher.Knowledge is one of

    the most important tools.Only theoretical knowledge is notexactly applicable in practical life,from this point of view

    industrial training is important & necessary for a management

    student .Theoritical knowledge is proved right only often it is

    rightly applicable on practical base.

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

    NAVSARI for providing mean opportunity to held a

    project ,providing valuable information ,guidance & consistco-operation through out the training programmed .

    I am also thankful to Dr.R.C.Gandhi,

    Director of Naranlala College of Commerce & Management,

    Navsari, & Pro. Ms. Hetal .D. Tandel, my project guide, for

    giving me an excellent and invaluable guidance during the

    course.

    MR. PRATIK N. KANSARA

    4

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    OBJECTIVES OF STUDY

    To study the Annual report or financial position of

    the company.

    To understand the day-to-day work carry

    out by the organization.

    To study the banks history in brief.

    To draw meaningful and constructive measure based

    on analysis.

    To study the current existing position of SBI Banks

    whole field.

    To observe the cash inflow & outflow.

    To check the profitability of bank.

    To study the policy of the bank.

    To analyse how the bank is managing its current

    assets & current liabilities.

    5

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    LIMITATIONS OF STUDY

    There is no activity that can be completed without any

    limitation.The main limitation faced during the preparation of thisproject report on Financial Statement Analysisof SBI is as

    follows:-

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

    hence much information could not be undertaken.

    The information collected through secondary data.Some of the

    information might be wrong.

    The calculation & computation are based on valuable

    information given by the bank.

    The report is based on the analysis of the last five years

    data,which may not be sufficient in some cases.

    The analysis and conclusion made is as per my limited

    understanding for this concerned subject.

    6

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    METODOLOGYPreparing the project report is a research analysis,it involves

    the process of collecting data,analyzing data & reporting data for absolute

    results.

    For the preparation of project report on Financial Statement

    Analysis of SBI Bank.This project report is based on two types of data i.e.

    (1)Primary data(2)Secondary data.

    1).Primary data:-

    Primary data is the data,which has not been collected & used by

    somebody else before.In short,Primary data means the data specifically

    collected for the project.I have collected data from the managers by asking

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

    2)Secondary data:-

    Secondary data is the data,which is collected from published source.I

    have collected data from various sources such as banks annual report of

    previous year,different document prepared by the bank and from various

    reference books also.

    After the data collection of both the sources, I have analyzedthe data & conducted various financial ststement analysis & prepared

    various graphs.

    After analyzing the data,I have derived a conclusion and have made

    suggestions based on my analysis.

    7

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    SYNOPSIS

    This project of Financial Statement Analysis of

    State Bank of India is based on all financial information about thebank. The objectives of bank & method of collecting data is clearly

    define by this project report of bank.

    The project includes the objectives - To study 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

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

    policy of the bank etc.

    .

    . The project indicates the primary (direct) method of collection- as

    banks annual report of previous year,different document prepared bythe bank and from various reference books ,from Indian statistical

    year book,from various websites etc.

    In short,this project report is the in- depth study of all kind

    of Financial Statements of the bank which reflects the past,current

    & future financial position of the bank.

    Table of Contents

    8

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    Sr. No. Subject Page No.

    Declaration 1

    College Certificate 3

    Acknowledgement 4

    Objectives Of Study 5

    Limitations Of Study 6

    Methodology 7

    Synopsis 8

    Ch-1. About SBI Banks Profile 11

    Bank Information 13

    History of the SBI bank 14

    Management of SBI 18

    Structure 19

    Functions 22

    Ch-2. Services of SBI bank 24

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    Ch-3. Capital Structure 56

    Shareholding Pattern 57

    Dividend 58

    Balanceshhet Analysis 60

    Cashflow Analysis 72

    Ch-4. Profitability Ratio Analysis 75

    Deposit Ratio Analysis 80

    Operating Cashflows 88

    Growth Indicators 91

    Overall Conclusion93

    Bibliography 94

    10

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    Chapter-1.

    About SBI Banks Profile

    Spreading its arms around the world, the SBIs

    International Banking Group delivers the full range of cross-

    border finance solutions through its four wings the Domestic

    division, the Foreign Offices division, the Foreign Departmentand the International Services division.

    The Domestic wing provides services like merchant

    banking, shipping finance and project export finance. The Foreign

    Offices wing offers the entire range of international trade and

    industrial finance products, while the Kolkatta-based Foreign

    Department undertakes treasury and currency operations.

    The International Services division renders

    specialized services like correspondent banking, global link services

    and country and bank risk exposure monitoring. Being Indias largest

    and most trusted commercial bank, the SBI offers you a network of

    relationships unmatched in strength and span by any other Indian

    financial entity.

    The bank has a network of 66 offices/branches in 29

    countries spanning all time zones. The SBIs international presence is

    supplemented by a group of Overseas and NRI branches in India and

    correspondent links with over 522 leading banks of the world. SBIs

    offshore joint ventures and subsidiaries enhance its global stature.

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    State Bank of India(SBI) is Indias largest

    commercial bank. SBI has a vast domestic network of over 9,000

    branches (approximately 14% of all bank branches )and commands

    one-fifth of deposits and loans of all scheduled commercial banks

    in India.

    The State Bank Gpoup includes a network of

    eight banking subsidiaries and several non- banking subsidiaries

    offering merchant banking services,fund management, factoring

    services,primary dealership in government securities ,credit cardsand insurance. The eight banking subsidiaries are:

    1.State Bank of Bikaner and Jaipur(SBBJ)

    2.State Bank of Hyderabad(SBH)

    3.State Bank of India(SBI)

    4. State Bank of Indore(SBIR)

    5. State Bank of Mysore(SBM)

    6. State Bank of Patiala(SBP)

    7. State Bank of SAURASHTRA(SBS)

    8. State Bank of Travancore(SBT)

    12

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    BANK INFORMATIONHead /Corporate office: New Administrative B

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