Topic: - FUNDAMENTAL ANALYSIS AND COMPETATIVE ANALYSIS OF ICICI AND SBI BANK

Literature review is a study involving a collection of literatures in the selected area of research in which the researcher has limited experience, and critical examination and comparison of them to have better understanding. It also helps the researchers to update with the past data, data sources and results and identify the gap for further research, if any. Thus, the reviews in the present study consist of the ones discussed below, and they reveal there are very scant studies in India emphasizing fundamental analysis of the banking sector 1. Topic: A comparative study on the business mode land financial performance of State Bank of India and ICICI Bank Author: ER. RUCHIKA OSWAL Year: 1996 The world of banking has assumed a new dimension at dawn of the 21st century with the advent of tech banking, thereby lending the industry a stamp of universality. In general, banking may be classified as retail and corporate banking. Retail banking, which is designed to meet the requirement of individual customers and encourage their savings, includes payment of utility bills, consumer loans, credit cards, checking account and the like. Corporate banking, on the other hand, caters to the need of corporate customers like bills discounting, opening letters of credit, managing cash, etc http://www.scribd.com/doc/39173858/Synopsis-on-Comparative-Study-on-ICICI-and-SBI 1. Topic: Profitability in Banks, a matter of survival Author: CHIDAMBARAM R. M AND ALAMELU Year: 1994 Point out the problem of declining profit margins in the Indian Public Sector Banks as compared to their private sector counterparts. It was observed that in spite of similar social obligations; almost all the private sector banks have been registering both high profits and high growth rate with respect to deposits, advances and reserves as compared to the public sector banks. Regional orientation, better customer services, proper monitoring of advances and appropriate marketing strategies are the secrets behind the success of public of the private sector banks. SOURCE:http://www.google.co.in/url? sa=t&rct=j&q=&esrc=s&source=web&cd=5&ved=0CFsQFjAE&url=http%3A%2F %2Fwww.kc.frb.org%2Fpublicat%2Feconrev%2FEconRevArchive %2F1993%2F3q93mark.pdf&ei=qpj9T5OkAcLZrQf7iYXhBg&usg=AFQjCNEnMRm6J6I6UMT PiK5Y-1f9Lib2Gg (3)Topic: FUNDAMENTAL ANALYSIS AND COMPETATIVE ANALYSIS OF ICICI AND SBI BANK Author: SANDIP P AHIRRAO Year: 2009-2011 To find which bank has gives to handsome return of amount to their investor. To find which is favorable for long term investments Finding: From the analysis part it can be conclude that customers have a good respond towards SBI Advance products in Delhi & NCR.SBI is in 1st position having large number of customers &providing good services to them. The bank has a

wide customer base, so the bank should concentrate on this to retain these customers. In present scenario SBI is the largest advance product issuer in India. Within a very short period of time the achievement made by SBI is excellent, what a normal bank cannot expect but it is being done by SBI SOURCE: Senior student (4)Topic:Fundamental Analysis of ICICI Bank Ltd Author: ASHWIN KULKARNI Year: 1998 Fundamental analysis holds that no investment decision should be without processing and analyzing all relevant information. It strength lies in the fact the information analyzed is real as opposed to hunches or assumptions. On the other hand, while fundamental analysis deals with tangible fact, it does not tend to ignore the fact that human beings do not always act rationally. Market prices do sometimes deviate from fundamentals. Prices rise or fall due to insider trading, speculation, rumor, and a host of other factors. This is true to an extent but strength of fundamental analysis is that an investment decision is arrived at after analyzing information and making logical assumptions and deductions. Furthermore, fundamental analysis ensures that one does not recklessly buy or sell shares- especially buy. SOURCE:http://www.oppapers.com/subjects/fundamental-analysis-of-icici-bank-page1.html (5)Topic: Service Quality in Commercial Banks: A comparative analysis of selected banks in Delhi Author: SATHYA SWAROOP DEBASISH Year: 2001 Evaluated perception of service quality to customer on basis of three dimensions; the customer-employee interaction i.e. Functional Quality (FQ refers to service delivery of the staff to customers); the service environment i.e. Environment Quality (EQ- refers to tangibles and intangible infrastructure that support better service delivery); the outcome-service product i.e. Technical Quality (TQ- refers to Product quality and tangible benefits offered to customers). The study revealed that foreign banks (City Bank, HSBC, Bank of America) operating in Delhi provided better service quality, as compared to private sector banks (ICICI, HDFC, KARUR VYSYA BANK) and public sector banks (SBI, Corporation Bank, PNB). SOURCE:http://www.docsfiles.com/pdf/1/service-it-quality-in-indian-banks.html

(6)Topic: Comparative Analysis between SBI, ICICI and HDFC Banks. Author: RUCHI TREHAN AND NITI SONI Year: 2003 The objective of the study is to do comparative analysis of SBI, ICICI and HDFC bank The banking industry like many other financial service industries is facing a rapidly changing market, new technologies, economic uncertainties, fierce competition and more demanding customers and the changing climate has presented an unprecedented set of challenges. On the basis of return on equity it is analyzed that HDFC bank reinvested their earnings much better than SBI and ICICI banks to get the additional profits. So in ROE, HDFC is best. On the

basis of earning per share it is analyzed that SBI is the most efficient bank in terms of generating earnings. After it there are ICICI and HDFC banks with a little difference of 0.24 in their average EPS. From dividend per share it is analyzed that all the three banks shows an increasing trend from 2005 to 2008. But the performance of SBI is better than ICICI and HDFC banks as its average DPS is 15.49 with ICICI is 9.5 and HDFC is 6.37 SOURCE:http://www.scribd.com/doc/69708641/Comparative-Analysis-Between-SBI-ICICIHDFC-Banks (7)Topic: analyze the profitability of the three major banks in India Author: P JANAKI RAMADU & S.DURGA RAO Year: 2006 SBI, ICICI, and HDFC The variables taken for the study are Operating Profit Margin (OPM), Net Profit Margin (NPM), Return on Equity (Roe), Earnings per Share (EPS), Price Earnings Ratio (PER), Dividends per Share (DPS), and Dividends Payout Ratio (DPR) SOURCE:http://www.google.co.in/url? sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CE8QFjAA&url=http%3A%2F%2Fajbr.org %2FArchives%2FProfitability%2520of%2520Banks%2520in%2520India%2520-%2520An %2520Assessment.pdf&ei=55n9T-HrJ8LKrAf_wuTQBg&usg=AFQjCNFrcvKyrBwhw5L0CW0dwcWEp9khg (8)Topic: COMPARATIVE STUDY OF FINANCIAL REPORT OF TOP THREE BANKS OF INDIA Author: KAAT RAFIK O. Year: 2008-09 Ratios make the related information comparable. A single figure by itself has no meaning, but when expressed in terms of a related figure, it yields significant interferences. Thus, ratios are relative figures reflecting the relationship between related variables. Their use as tools of financial analysis involves their comparison as single ratios, like absolute figures, are not of much use. Ratio analysis has a major significance in analyzing the financial performance of a company over a period of time. Decisions affecting product prices, per unit costs, volume or efficiency have an impact on the profit margin or turnover ratios of a company. SOURCE:http://www.google.co.in/url? sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CFoQFjAA&url=http%3A%2F %2Fwww.jyd.in%2FSummer%2520Internship%2520Projects%2FFinance%2FComparative %2520Study%2520of%2520Financial%2520Report%2520of%2520Three%2520Indian %2520Banks%2520By%2520RAFIK %2520KAAT.pdf&ei=TZr9T9SaKYnJrQfc3bzOBg&usg=AFQjCNE7C5Ltn4_vFIMxN0EilklSqFkjg (9)Topic: A STUDY ON FUNDAMENTAL ANALYSIS ON BANKING SECTOR Author: KARAN WALIA Year: 4, April 2012 It is vivid that to have a cohesive and strong financial system capable and responding to the changed economy, it becomes important to have a dynamic, autonomous and profitable financial system. At present, Indian banking system needs a fresh outlook and keeping in mind the various distortions, government should introduce third banking sector reforms? In the end the key to banking reform may lie in the internal bureaucratic reform of banks, both

private and public. In part this is already happening as many of the newer private banks (like HDFC, ICICI) try to reach beyond their traditional clients in the housing, consumer finance. SOURCE:http://www.google.co.in/url? sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CEwQFjAA&url=http%3A%2F %2Fwww.aijsh.org%2Fsetup%2Fsocialscience %2FPaper183.pdf&ei=gZr9T5q7CcnprQf878i7Bg&usg=AFQjCNEw02JiHjFk5YGih080Mxe6olwEw (10)Topic: Comparative-Analysis-between ICICI-Bank-HDFC-Bank Author: AVINASH KUMAR Year: 2008-2010 LUCKNOW In the growing global competition, the productivity of any business concern depends upon the behavioral aspect of consumers. This topic deals with the customers perception towards other Advance Product from SBI and ICICI investment. This project report contains 5different chapters. The report begins with the introduction to company, its area of operation, its organization structure, its achievements, etc. The second chapter is the introduction to the Advance Product which gives a brief idea regarding ADVANCE PRODUCT. It also contains the objectives and limitations of the project. SOURCE:http://www.scribd.com/doc/24895217/Comparative-Analysis-Icici-Bank-Hdfc-Bank