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Liabilities Grouping for three Banks

Share Capital Total Reserve Reserve excluding Revaluation Reserve Statutory Reserve Revenue & Other Reserves Capital Reserves

Axis Bank
0.14 9.58

SBI
0.04 6.27

Yes
0.36 5.50

1.51 0.00 0.28

2.58 1.07 0.10

1.04 0.00 0.18

MBFI Assignment-1

Amalgamation Reserve Profit & Loss Account Balances General Reserves Special Reserve Investment Fluctuation Reserve Investment Allowance (Utilised) Reserve Reserve excluding Revaluation Reserve Deposits Demand Deposits From Bank From Other Savings Deposit Term Deposits / Fixed Deposits From Bank From Other Borrowings Borrowings From Reserve Bank of India Borrowings From Other Banks Borrowings From Others Financial Institutions Borrowings in the form of Bonds / Debentures Others Borrowings From Out of India International banks, institutions and consortiums Bonds and notes Other outside india borrowings Other Liabilities & Provisions Bills Payable Inter-office adjustments Interest Accrued Deferred Tax Liabilities Provision for standard assets Proposed Dividend Corporate dividend tax payable Other Liabilities & Provisions Total Liabilities

0.00 2.94 0.10 0.00 0.02 0.00 9.58 74.18 14.19 0.86 13.33 18.73 41.26 4.44 36.82 12.91 0.00 0.48 1.14 3.27 3.27 8.02 0.00 0.41 7.61 3.20 1.04 0.00 0.24 0.00 0.29 0.29 0.00 1.34 100.00

0.00 0.00 0.00 0.29 0.00 0.00 6.27 76.79 7.19 0.47 6.73 27.22 42.37 1.78 40.59 10.80 0.92 0.36 0.31 2.35 2.35 6.85 0.00 0.22 6.64 6.09 1.26 1.05 0.85 0.04 0.34 0.18 0.02 2.36 100.00

0.00 2.36 0.00 0.00 0.00 0.01 5.50 67.56 6.73 0.18 6.55 6.08 54.76 4.20 50.56 21.11 4.94 3.11 2.50 5.87 5.87 4.70 0.00 0.97 3.73 5.47 0.13 0.00 0.88 0.00 0.27 0.22 0.04 3.93 100.00

Submitted to

Prof N.R. Bhusnurmath

Submitted by
12P181 12P194 12P223 12P229 12P234 Abhinav Mishra Chandrachuda Sharma Y Shanshank Reddy Santosh Garbham Siddarth Gupta

1. Yes bank savings deposit percentage(6%) is the lowest among three banks, whereas SBI has got highest savings deposits of 27% 2. Yes bank term deposits constitute total of 54.56% where as it is 41.26% and 42.37 % for Axis bank and SBI respectively 3. Borrowings of Yes bank is way above than the other two banks. Whereas most of the Axis bank borrowings are overseas borrowings

Income and Expenses comparison of three banks


Yes Bank
Interest Earned Interest/Discount on advances/Bills Interest on balances with Reserve 8294.00 5397.07 16.51 86.84 56.51 0.17

SBI
119657.10 90537.10 545.14 88.18 66.72 0.40

Axis Bank
27182.57 19166.24 111.26 80.58 56.82 0.33

Bank of India and other inter-bank funds Income on investments Others Other Income Commission, exchange and brokerage Profit/(loss) on sale of investments (net) Profit/(loss) on revaluation of investments (net) Profit/(loss) on sale of land, buildings and other assets (net) Profit/(loss) on foreign exchange transactions (net) Income earned from subsidiary companies/joint venture Rent / Lease Income Dividend Received Provisions Written Back Service Fee Insurance Premium Miscellaneous income Total Income II. EXPENDITURE Interest Expended Interest on Deposits Interest on Reserve Bank of India/inter-bank borrowings Other Interest Operating Expenses Operating Profit 6075.21 0.00 1493.55 0.00 1334.54 2141.69 63.61 0.00 15.64 0.00 13.97 75325.80 0.00 4124.11 0.00 29284.42 31081.72 55.51 0.00 3.04 0.00 21.58 22.91 17516.31 0.00 459.62 0.00 6914.24 9303.13 51.93 0.00 1.36 0.00 20.50 27.58 2859.46 20.96 1257.43 1076.21 155.66 0.00 -0.51 66.67 0.00 0.00 0.00 0.00 0.00 0.00 -40.59 9551.43 29.94 0.22 13.16 11.27 1.63 0.00 -0.01 0.70 0.00 0.00 0.00 0.00 0.00 0.00 -0.42 100.00 27200.63 1374.23 16034.84 11483.72 1101.92 -3.78 -32.72 1691.62 715.51 0.55 0.00 0.00 0.00 0.00 1078.03 135691.94 20.05 1.01 11.82 8.46 0.81 0.00 -0.02 1.25 0.53 0.00 0.00 0.00 0.00 0.00 0.79 100.00 7746.98 158.10 6551.11 5025.15 586.30 0.00 -4.47 664.07 1.50 0.00 0.00 0.00 0.00 0.00 278.55 33733.68 22.97 0.47 19.42 14.90 1.74 0.00 -0.01 1.97 0.00 0.00 0.00 0.00 0.00 0.00 0.83 100.00

1. Interest/discount on advances/Bills for SBI is 66.72, whereas for Axis bank and Yes bank it is around 56% 2. Yes bank Income on investments is highest among the three banks 3. Axis bank income on commissions, exchange and brokerage is the highest ICICI Securities liabilities grouping
Share Capital Reserves & Surplus Securities Premium Profit & Loss Account Balance General Reserves Exchange Fluctuation reserve 52.43 28.75 6.06 12.22 10.18 0.30

Reserve excluding Revaluation Reserve Shareholder's Funds Secured Loans Unsecured Loans Total Foreign Currecny Loans Total Debts Total Liabilities

28.75 81.18 0.00 18.82 0.00 18.82 100

ICICI Securities income and expenses


Operating Income Sale of Shares / Units Interest income Interest on automobile Loans Interest from housing loans Interest on Consumer Loans Interest on Other Loans Interest on Securitisation Interest on Deposits Income from Investments & Merchant banking Income from lending operations Income from Other Financial Services Interest on Bonds / Debentures Interest on Trade Finance Interest on Corporate Finance Income from Bills Discounting Other Interest income Depository services Portfolio management services Income from Trading in Securities Income from other investments Consultancy & syndication fee Income from underwritting commission Surplus from deployment in Cash mgmt Income from of Mutual Funds Translation / Actual Exchange Gain Dividend income Lease Income / Rentals Hire purchase / Financing Income Brokerages & commissions Processing fees and other charges 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.35 6.00 0.00 0.00 31.54 0.00 0.00 0.00 0.00 1.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.59 0.00

Other Operating Income Net Sales EXPENDITURE : Increase/Decrease in Stock Purchase of Shares / Units Employee Cost Operating & Establishment Expenses Administrations & Other Expenses Provisions and Contigencies Less: Pre-operative Expenses Capitalised Total Expenditure Operating Profit (Excl OI)

0.47 100.00 0.00 0.00 38.46 26.82 10.14 4.51 0.00 79.93 20.07