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Author Name Vital

Title PROJECT
Paper/Submission ID 2459080
Submitted by vasantha9036232910@gmail.com
Submission Date 2024-10-30 13:36:35
Total Pages, Total Words 89, 13472
Document type Project Work
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Type
Quote
Student s
Paper Interne 1.37%
9.27% t
10.5% Words < 14,
10.18%
Journal/ Publicatio n 16.23%
Exclude Information Database Selection

Ref/Bib
6.39%
Quotes Not Excluded Language English

References/Bibliography Not Excluded Student Papers Yes
Source: Excluded < 14 Words Not Excluded Journals & publishers Yes
Excluded Source 0% Internet or Web Yes
Excluded Phrases Not Excluded Institution Repository Yes
A Unique QR Code use to View/Download/Share Pdf File

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36
A-Satisfactory (0-10%)
B-Upgrade (11-40%)
172 B C-Poor (41-60%)
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CHAPTER -1
INTRODUCTION
1
Introduction: Overview of the Project on SBI B54ank
6
State Bank of India (SBI) is one of the largest and most prominent financial institutions in
87
India. Established in 1955, the bank has a rich legacy and plays a vital role in the country’s
economic development by providing a wide range of banking and financial services. As a
46
public sector bank, SBI is not only known for its extensive branch network and comprehensive
42
product offerings but also for its commitment to customer service and financial inclusion. This
project report aims to present a detailed overview of SBI, analyzing its operational strategies,
financial performance, and the various initiatives taken to adapt to the evolving banking
landscape.
63
In recent years, the banking sector in India has witnessed significant changes due to
technological advancements, regulatory reforms, and shifting consumer preferences. In this

context, SBI has been at the forefront, embracing digital transformation and innovating its
42
products and services to meet the needs of its diverse customer base. Understanding the
dynamics of SBI is crucial, considering its impact on the Indian economy and its contribution
54
to fostering financial stability and growth.
The project report will delve into various facets of SBI, including its organizational structure,
service offerings, and the strategies it employs to maintain competitiveness in an increasingly
66
challenging environment. Furthermore, the report will explore SBI’s role in promoting
financial inclusion through initiatives like Pradhan Mantri Jan Dhan Yojana and its efforts to
enhance customer experience through digital banking solutions.
Additionally, the report will assess the challenges and opportunities faced by SBI, particularly
77
in the context of the growing influence of fintech companies and the increasing demand for
seamless digital banking solutions. By analyzing SBI's recent performance metrics, customer
32
to p
satisfaction levels, and innovation strategies, this report aims rovide
insights into the bank's operational
efficacy and its strategic direction in the coming years.
Overall, this project report aspires to offer a comprehensive understanding of State Bank of
India, drawing on empirical data, case studies, and qualitative analysis to paint a holistic picture
2
of one of the country's most significant banking institutions. The findings aim to address the
26
overarching research question: How does SBI navigate the complexities of the modern banking
landscape while maintaining its core values of trust, reliability, and customer-centric service?
6
Through this exploration, we seek to contribute to the discourse on the future of banking in
India and the pivotal role that organizations like SBI play in shaping it.
The banking sector plays a pivotal role in the economic development of any nation, and State
46
Bank of India (SBI) stands astall one of the largest and most prominent financial
institutions in India. Established in 1955, SBI has undergone significant transformations in its
operational strategies, technological advancements, and customer engagement initiatives,
making it a key player in the Indian banking landscape. This project report focuses on
providing a comprehensive overview of SBI, examining its various facets including historical
evolution, organizational structure, product and service offerings, market strategies, financial
performance, and challenges faced in the contemporary financial environment.
109
SBI's extensive branch network and diversified portfolio position it uniquely to serve a broad
customer base, ranging from individual account holders to large corporate clients. As India's
economic landscape continues to evolve, driven by technology, regulatory changes, and
customer expectations, SBI must adapt to maintain its competitive edge. This report delves into
the strategies implemented by SBI to navigate these changing dynamics, emphasizing the
significance of innovation and customer-centric approaches.
Furthermore, 154
this overview will also reflect on the institution’s role in financial inclusion,
90
sustainable banking practices, and its commitment to corporate social responsibility. By
exploring these dimensions, the report offers insights into how SBI not only contributes to the
national economy but also supports the broader goals of societal advancement and
environmental stewardship.
Overall, this project report aims to provide an in-depth understanding of the operational and
26
the
strategic intricacies of SBI, highlighting its journey, achievements, and challenges that
lie ahead in an increasingly complex and competitive banking environment. Through a detailed
examination of SBI’s policies, financial metrics, and market positioning, this report aspires to
3
offer valuable perspectives for stakeholders, researchers, and policymakers interested in the
banking industry's future in India.
The topic "A Study on Analysis of Financial Statement Using Trend with Respect to SBI Bank"
44 6
the focuses on examiningSt financial health of the ate Bank of
India (SBI) through a detailed analysis of its financial statements over a specific period. This
study aims to evaluate key financial metrics such as revenue, expenses, profitability, assets, and
liabilities, highlighting trends that indicate the bank’s operational efficiency and growth
potential. By utilizing tools
like ratio analysis and trend analysis, the research provides insights into SBI's financial
45 39
performance in the context of the broader banking sector. The analysis includes a review of the
income statement, balance sheet, and cash flow statement, identifying patterns that reflect the
bank's strategic positioning and response to economic conditions. The findings will be
contextualized through comparative analysis with peer banks, revealing strengths and
37
weaknesses that inform future strategies. Ultimately, this see
study ks to provide
valuable insights for stakeholders, including investors and management, on SBI's financial
trajectory and areas for improvement, thereby contributing to informed decision-making in the
dynamic landscape of the Indian banking industry.
Objectives of the Study

This study is driven by several key objectives. First, it aims to evaluate SBI's financial
performance by analyzing key metrics such as revenue, expenses, profit margins, and asset
quality over the past five years. Second, it seeks to identify significant trends within these
45
to a
financial metrics ssess the bank’s operational efficiency and growth potential. Lastly,
the study intends to provide actionable insights for stakeholders, highlighting areas where SBI
can improve its financial strategies and operations.
6
THEORETICAL BACKGROUND OF THE STUDY
139 26
When conducting a study on the analysis of financial statements using trends, particularly in the context
6 37
of a specific bank like the State Bank of India (SBI), it is essential to establish a robust theoretical
background. This background provides the foundation for understanding the methods, significance, and
implications of the research. Below are key theoretical components that could be included in your
study:
4
58
1. Financial Statement Analysis
122
• Definition: Financial statement analysis involves evaluating a company's financial statements to
make informed decisions about its financial health and performance.
• Types of Financial Statements: The primary financial statements include the balance sheet, income
147 94
Each aspects
statement, and cash flow statement.
provides unique insights into different of the bank's
operations.
2. Trend Analysis
• Concept: Trend analysis is a technique used to analyze financial data over a specific period
to identify patterns, trends, and potential future performance.
• Importance: It helps stakeholders understand how various financial metrics have changed over time,
which can inform investment decisions, risk assessments, and strategic planning.
3. Key Financial Ratios
• Liquidity Ratios: Assess the bank's ability to meet short-term obligations (e.g., Current Ratio, Quick
Ratio).
• Profitability Ratios: Measure the bank’s ability to generate profit relative to its revenue, assets,
or equity (e.g., Return on Assets (ROA), Return on Equity (ROE)).
• Efficiency Ratios: Evaluate how well the bank uses its assets and liabilities to generate sales
and maximize profits (e.g., Cost-to-Income Ratio).
5
103
• Capital Adequacy Ratios: Important for banks to ensure they have enough capital to cover potential
losses (e.g., Capital Adequacy Ratio).
4. Theoretical Frameworks
32
• Ratio Analysis Theory: This framework emphasizes the use of financial ratios to evaluate a bank's
performance and compare it with industry standards or historical performance.
• DuPont Analysis: A method that breaks down ROE into its constituent parts to understand how
a bank generates its returns.
• Economic Value Added (EVA): A measure of a bank's financial performance based on

residual wealth, which can provide insights into value creation.
5. Regulatory Framework
6
• Understanding the regulatory environment in which SBI operates is crucial. This includes guidelines
165
from the Reserve Bank of India (RBI) and compliance with international standards like Basel III.
6. Macroeconomic Factors
• The performance of banks is influenced by broader economic conditions such as interest rates,
167
inflation, and economic growth.
Analyzing these factors can provide context for SBI’s financial trends.
Comparative Analysis
130
• Comparing SBI’s financial trends with those of other banks in India or similar can offer
economies insights into its competitive position and operational efficiency.
6
58
Limitations of Financial Statement Analysis
• Discussing the limitations, such as reliance on historical data, potential manipulation of financial
101
statements, and external factors that may not be reflected in the data.
. Conclusion
77
• Summarize how this theoretical framework will guide your analysis of SBI's financial statements
160
using trend analysis, highlighting its relevance for stakeholders such as investors, management, and
regulators.
References
* Include academic journals, textbooks, and regulatory documents that support your theoretical
background.
108 39
By incorporating these elements into your study, you will create a comprehensive theoretical framework
that underpins your analysis of SBI’s financial statements using trend analysis.
6
MEANING OF FINANCE
39 64
Finance is one of the major elements which activate the overall growth of the economy. Finance
is the nerve system of any business organization, just us circulation in the human body to maintain
120
life, finance is very essential to the business organization for the smooth running of the business.
DEFINITION
WHEELER defines "Business finance is that finance which is concerned with acquisition and
8
conservation of capitalfu nds in meeting the financial needs and overall
objectives of a business enterprise."
7
IMPORTANCE OF FINANCE
• To purchase fixed assets such as land, building, machinery, furniture and to pay for
the purchase of raw materials, wages, etc.
• To replace existing assets or acquire new assets to expand the existing business. To
hold stock of materials and finished goods.
8
FINANCE IS CLASSIFIED INTO TWO NAMELY
6
Public Finance: It deals with the requirements, receipts, and disbursements of fundsin the
government institutions like states, local self-government.
8
Private Finance: It is concerned with the requirements, receipts, and disbursement of funds in
6
case of an individual, a profit-seeking organization, and a non-profit organization.
8
FINANCIAL DECISIONS
8
 Investment decision
 Financing decision
 Dividend decisions
Investment decisions:
The decision relates to the determination of the total amount of assets to be held by the
firm, their composition, the business risk, and the image of the firm's perceived by the
investors. Financing decisions:
After taking the investment decision, the firm commits itself to the new investment and hence
it
must decide upon the best means of financing these commitments. A proper debt-equity mix
20 44
has to be fixed to maximize the profitability of the concern. The cost of raising funds for
investing is very crucial in making financial decisions.
Dividend decisions:
This refers to the reimbursement of profit to the investors who have supplied funds. It is
concerned with quantum (dividend) to be distributed among the shareholders.
20
FINANCIAL MANAGEMENT
MEANING
Financial management refers to that part of management activity which is concerned with the
8
planning and controlling of the firm's financial resources. It deals with finding out various sources
for raising funds for the firm.
DEFINITION
6 47
According to Guthmann and Dougall, “Business finance is defined as the activity concerned
with planning, raising, controlling, and administering the funds used in the business.
9
OBJECTIVES OF FINANCIAL MANAGEMENT
SPECIFICOBJECTIVES
Profit Maximization:
18 6
Profit earning is the main aim of every economic activity. No business can survive without
earning profit. Profit is a measure of the efficiency of a business enterprise. Profits also serve
as protection against risks that cannot be ensured. Thus, profit maximization is considered the
main objective of the business.
Wealth Maximization:
18
Wealth maximization is the appropriate objective of an enterprise. When the firm maximizes
6
the stockholder'sw ealth, the individual stockholder can use this wealth to maximize his utility.
18
This objective helps to increase the value of shares in the market. The concept of wealth
89
in t
maximization tells the value of assets erms of the benefits it can produce.
GENERAL OBJECTIVES
20
Liquidity: Liquidity refers to available cash and it is an indication of the growth of a company.
It is an important factor for meeting the short and long-term obligations of a firm.
Balance Asset Structure: A proper balance between fixed and current assets is an important
168
factor for the efficient management of funds. This is one of the objectives of financial
management that the size of the current asset must permit the company to exploit the
investments on fixed assets.
10
10
Proper Planning of Funds : Proper planning of funds includes acquisition and allocation of
funds in the best possible manner with minimum cost ofacquisition of funds but maximum
returns through wise decisions.
Efficiency: Efficiency and effectiveness are very much necessary in controlling the flow of
funds. The efficiency level should continuously increase for the betterment of the organization.
Financial Discipline: There should not be any bulk handling of funds, misuse Etc., proper
9
discipline should be practice inm atters relating to finance, its flow and
control. This can be done through various techniques like
budgeting, fund flow statements, etc.
ACTIVITIES OF FINANCIAL MANAGEMENT
The Anticipation of Financial Needs:

Financial management must anticipate the financial needs of the business by going through
documents of firm cash flow statements, cash budgets, and other related documents. The
financial needs can be anticipated by forecasting expected funds in business and analyzing its
implications.
Acquiring Financial Resources:

It involves deciding as to where to obtain funds that the business needs. It requires tapping the
potential sources of funds and raising the funds at the lowest cost, for both short- and long-
term financial needs of concern.
11
Allocating the Funds in the Business:
It involves the allocation and deployment of funds onthe arts to get maximum return. The
158
financial manager should allocate funds among various projects after considering profitability
and leverage.
9
Administration of allocation of Funds:
After the allocation of funds, it is the responsibility of the finance manager to watch the
performance of the projects on which investment is made.
AIMS OF FINANCIAL MANAGEMENT
 Acquiring sufficient Funds

 Proper Utilization of Funds
 Increasing profitability
 Maximizing Firm's Value.
FUNCTIONAL OF FINANCIAL MANAGEMENT
 Determining financial needs.

 Selecting the sources of funds. Financial analysis
and interpretation Cost-volume-profit analysis.
 Capital budgeting working capital management.
 Profit planning and control Dividend policy.
12
10
SCOPE OF FINANCIAL MANAGEMENT
57
Financial management usually deals with financial planning, acquisition of funds used, and
allocation of funds and financial controls.
 Estimating financial requirements.
 Deciding the capital structure
 Selecting a source of finance
 Selecting a pattern of finance
 Proper cash management
1
FINANCIAL STATEMENTS
Financial statements (financial reports) are formal records of the financial activities of a
business, person, or entity. Financial statements provide an overview of a business or person's
financial condition in both short- and long-term basis.
69 155
Balance It is also referred to as the statement of financial position or condition of the
Sheet: 1
business and reports on the company's assets, liabilities, and Ownership equity as of a given point
in time.
Income statement: it is also referred to as profit and loss statement (P&L) which reports on a
company's income, expenses, and profits for a accounting years. The Profit & Loss account
provides information on the enterprise. These include the sale and the various expenses incurred
during the processing state.
Statement of Retained Earnings: It explains the change in a company's retained earnings over
the reporting period. 69
Cash Flow Statement:
It reports on a company's cash flow activities: particularly it's operating,
investing, and financing activities.
13
BALANCE SHEET
1
A balance sheet is often described as a snapshot of a company's financial condition. A company
balance sheet has 3 parts of assets, liabilities, and ownership equity. The main categories of
assets are usually listed first and are followed by liabilities.
It works on the following formula: Assets liabilities+ Shareholder's Equity
CONTENTS OF BALANCE SHEET
Assets:
In business and accounting, assets are economic resources owned by businesses of companies.
Any property or object of value that one possesses, usually are considered and applicable to
the payment of one's debt is considered an asset.
Types of Assets
 Tangible assets
 Intangible assets
1. Tangible assets:
149 1
Tangible assets are those that have a physical substance, such as equipment and real
2. Intangible assets:
Intangible assets lack physical substance and usually are very hard to evaluate. They include
patents, copyrights, franchises, goodwill, trademarks, trade names, etc.
14
A. Types of Tangible Assets
Fixed Assets: This group includes land, buildings, machinery, vehicles, furniture. tools, and
certain wasted resources. E.g., Timberland and Minerals. It is also referred to as PPE (property,
plant,and equipment, these are purchased for continued and long-term use in earning profit in a
3
business Current Assets: Current Assets are cash and other assets expected to be converted to
cash, sold,or consumed either in a year or in a cycle. These assets are continually named over
during a business during normal business activity.
There are 5 major items included in current assets:
1. Cash and Cash Equivalents: It is the most liquid asset, meeting room's currency,
1
depositaccounts,an d negotiable instruments (E.g., money orders. cheques,
and bank drafts).
2. Short-term Investments: It includes securities bought and held for sale shortly to
19
on
generateincome short term price differences (trading securities)
1
3. Receivables: It is usually reported as a set of allowance for uncollectable
4. Inventory: The raw materials, work-in-progress goods, and finished goods that are the
3
portionof a business's assets that is ready or will be ready for sale.
1
5. Prepaid Expenses: These are expenses paid in cash and recorded as assets before they are
usedor consumed (a common example is insurance).
15
B. Types of Liabilities
Current Liabilities: -
Current liabilities are short-term financial obligations that are paid off within one year or
onecurrent operating cycle.
It includes:

Accrued expenses as wages, taxes, and interest payments not yet paid O Accounts payable.
19

Short-term notes

Cash dividends and

Revenues collected in advance of the actual delivery of goods and services.
Long-Term Liabilities: -
1
Liabilities that are not paid off within a year, or within a business operating cycle, are known
aslong-term or non-current liabilities. It includes.

Notes payable debt issued to a single investor.

19
Bonds payable debt issued to the public or group of investors Mortgages payable.
1

Capital lease obligations contract to pay rent for the use of plant, property, or equipment.
19

Deferred income taxes payable and pensions and other post-retirement benefits.
Contingent Liabilities
1
The third kind of liability accrued by companies is known as contingent liability. The term
refersto instances in which a company reports that there is a possible liability for an event,
128 1
transaction,orincident that has already taken place, the company. It is also often uncertain of
the size of the financialobligation or the exact time that the application might have to be paid.
Fixed Liability
146 1
The liability which is to be paid at the time of the dissolution of the firm is called fixed
liability. Examples are Capital, Reserve, and Surplus.
Secured Loans
A secured loan is a loan in which the borrower pledges some asset (e.g. car or property)
as collateralfor the loan
16
Unsecured Loans
An unsecured loan is a loan that is not backed by collateral, also known as a signature Joan
or personal loan. Unsecured loans are based solely upon the borrower's credit rating.
PROFIT AND LOSS STATEMENT
The income statement also, called profit and loss statement (P&L) and Statement of Operations
96 3
is a financial statement that summarizes the revenues, cost, and expenses incurred during a
specificperiod.
1
CONTENTS OF PROFIT AND LOSS STATEMENT

Revenues:
Cash inflows or other enhancements of assets of an entity during a period from
3
delivering or producing goods, rendering services, or other activities that constitute the
entity's ongoingmajor operations.

Expenses:
93
Cash outflows or other using up of assets or incurrence of liabilities during a period
62
fromdelivering or producing goods, rendering services, or carrying out other activities that
3
constitute theentity's ongoing major operations.

Turnover:
1
The main source of income for the company is its turnover, primarily comprised of
sales of its products and services to third-party customers.
17

Sales:
Sales are normally accounted for when goods or services are delivered or invoiced, and
3
accepted by the customer, even if payment is not received until sometime later, even in a
subsequenttrading period.

Cost Of Sales (COS):
The sum of direct costs of goods sold place any manufacturing expenses relating to
sales(or turnover) is termed cost of sales, or production cost of sales, or cost of
goods sold.
These costs include:
• Cost of raw material stocks
• 19
Cast of inward-bound fried paid by the company
• Packaging costs
1
• Direct production salaries and wages Production expenses, including the appreciation
3
oftrading-related fixed assets.

Other Operating Expenses:
1
These are not directly related to the production process, but contributing to the activity
3
ofthe company, there are further costs that are termed ‘other operating expenses. These
comprise of course like:
•
Distribution costs and selling costs,
1
• Administration costs, and
• Research and development costs (unless they relate se specific projects and the costsmay
3
be deferred to future periods)
 Other Operating Income:
107 3
Other operating income includes all other reveries that have not been included in other
1
parts of the profit and loss account. It does not include sales of goods or services,
reported turnover, or any sort of interest receivable, reported within the net interest
category
18
3
 Gross Margin (or Gross Profit):
The difference between turnover, sales, and COS is gross profit or gross margin. It
1
needsto be positive and large enough to at least cover all other expenses.
 Operating Profit (OP):

3
The operating profit is net of all operating revenues and costs, regardless of the
financialstructure of the company and whatever exceptional events occurred during the
period thatresulted in exceptional costs. The profit earned from a firm's normal core
business operations.
• Also known as Earnings Before Interest and Tax (EBIT)
• OP Turnover COS other Operating Expenses + Other Operating Income
 Profit Before Tax (PBT):

1
A profitability measure that looks at the company's profits before the company has to
paycorporate income tax. This measure deducts all expenses from revenue including
interest expenses and operating expenses, but it leaves out the payment of tax.
 Profit after Tax (PAT):

3 1
PAT, or net profit, is the profit on ordinary activities after tax. The final charge that a
company has to suffer, provided it has made sufficient profits, is therefore corporate
taxation.
OPAT=PBT-Corporation Tax
3
 Retained Profit:
The retained profit for the year is what is left on the profit and loss account after
1
detectingdividends for the year. The balance on the profit and loss account forms part of
the capital(or equity, or shareholder's funds) of the company.
Explanation of Related Concepts
34
In exploring the operations and strategies of the State Bank of India (SBI), several key concepts
171
come into play that are essential for understanding the bank's role within the broader financial
19
landscape. These concepts encompass banking fundamentals, financial inclusion, digital
transformation, corporate governance, risk management, and sustainability. By examining
these aspects, we gain a comprehensive view of SBI's strategic initiatives and their implications
for its stakeholders.
1. Banking Fundamentals
At its core, banking refers to the business of accepting deposits from customers and providing
loans to individuals and businesses. This fundamental principle is crucial for understanding
102
bank
how SBI operates. As a scheduled commercial bank, SBI engages in various ing
activities, including retail banking, corporate banking, investment banking, and treasury
operations.
34
Retail banking at SBI provides essential services such as savings accounts, fixed deposits,
personal loans, and home loans, catering primarily to individual customers. Corporate banking,
on the other hand, serves businesses by offering credit facilities, trade finance, and treasury
services. Understanding these functions helps to appreciate how SBI meets different customer
needs and contributes to the economy.
2. Financial Inclusion
Financial inclusion is a significant concept that underpins many of SBI's initiatives. It refers to
137
the accessibility of financial services to all segmentssoci
of ety, particularly
those that are underserved or excluded from
the formal financial system. In India, where a significant portion of the population lacks access
to traditional banking services, SBI has made financial inclusion a priority.
80
The bank has implemented various schemes and services aimed at reaching rural and semi-
urban populations. Initiatives such as the Pradhan Mantri Jan Dhan Yojana (PMJDY) initiative
148
played a crucial role in bringing millions of people into the banking fold. By focusing on
financial literacy, affordable banking products, and the use of technology, SBI aims to
empower marginalized communities, foster economic growth, and reduce poverty.
20
3. Digital Transformation
The rise of digital technology has transformed the banking sector, and SBI is no exception. Digital
transformation entails the integration of technology into all areas of banking operations,
fundamentally changing how banks operate and deliver value to customers. SBI has embraced
152
digital banking through mobile banking apps, internet banking platforms, and digital payment
solutions.
The bank's efforts to enhance customer experience through technology include features such
as online account opening, fund transfers, and bill payments. By adopting digital solutions, SBI
79 56
not only improves operational efficiency but also expands its reach and convenience for
customers. This transition is particularly important in a post-pandemic world where remote
access to banking services has become a necessity.
81
4. Corporate Governance
Corporate governance refers to the systems and processes that direct and control a bank’s
operations. It encompasses the relationships among stakeholders, including the board of
directors, management, shareholders, and regulators. Effective corporate governance is crucial
for maintaining transparency, accountability, and ethical behavior within financial institutions.
82
For SBI, strong corporate governance practices ensure compliance with regulations, safeguard
stakeholder interests, and enhance its reputation. The bank emphasizes governance frameworks
that follow best practices, providing oversight on its strategic decision-making processes and
risk management activities. By fostering a culture of integrity and responsibility, SBI aims to
instill confidence among its customers and investors.
150
5. Risk Management
Risk management is a core function within the banking industry, involving the identification,
126
assessment, and mitigation of financial risks. These risks may arise from credit activities,
market fluctuations, operational challenges, or compliance failures. Effective risk management
21
practices are essential for safeguarding the bank's assets and ensuring its long-term
sustainability.
61
SBI adopts a comprehensive risk management framework that incorporates risk assessment
methodologies, internal controls, and reporting systems. By employing advanced tools and
analytics, the bank continuously monitors its risk exposure and adjusts its strategies
accordingly. This proactive approach enables SBI to navigate uncertainties and maintain robust
financial health amid varying economic conditions.
6. Sustainability and Corporate Social Responsibility (CSR)
In recent years, the significance of sustainability has gained momentum across industries,
82
including banking. For SBI, sustainability encompasses its commitment to environmental,
social, and governance (ESG) standards. The bank recognizes its role in addressing climate
144
change and promoting sustainable development through its lending practices and operational
policies.
13
SBI's commitment to CSR is evident through various initiatives aimed at community
161
development, education, healthcare, and environmental conservation. The bank implements
21
programs that not only contribute to social welfare but also align with its business objectives.
By prioritizing sustainability, SBI aims to create long-term value for its stakeholders while
positively impacting society.
7. Customer Relationship Management (CRM)
Customer Relationship Management (CRM) is a critical aspect of modern banking that focuses
on building and managing relationships with customers. For SBI, a robust CRM strategy
enables the bank to understand customer needs, tailor services accordingly, and foster loyalty.
164
envi
This approach is especially important in a competitive banking ronment
where customer expectations are
rapidly evolving.
13
SBI leverages technology and data analytics to enhance its CRM efforts. By analyzing
22
customer behaviors and preferences, the bank can offer personalized products, targeted
marketing campaigns, and improved service delivery. The emphasis on customer experience
88
ensures that SBI not only retains existing customers but also attracts new ones, ultimately
contributing to its growth and profitability.
8. Regulatory Environment
25
The banking sector in India operates under a stringent regulatory framework established by the
Reserve Bank of India (RBI). Regulatory compliance is vital for maintaining the stability and
integrity of the financial system. For SBI, adherence to regulations covers various aspects,
including capital adequacy, prudential norms, and anti-money laundering measures.
Understanding the regulatory environment is crucial because it shapes SBI's operational

decisions and strategic priorities. The bank must continuously adapt to evolving regulations
99
and enhance its compliance mechanisms. By doing so, SBI not only mitigates legal risks but
also strengthens stakeholder confidence in its operations.
9. Competitive Landscape
The competitive landscape of the Indian banking sector features a mix of public, private, and
132
inten
foreign banks. SBI faces se competition not only from other government-owned banks
172
but also from private sector players, fintech companies, and digital banks. Analyzing the
competitive dynamics helps to shed light on SBI's market positioning and strategies.
To maintain its leadership, SBI has focused on differentiating itself through customer service,
product innovation, and a vast distribution network. The bank continuously assesses market
trends, customer preferences, and competitor strategies to refine its offerings and enhance its
value proposition. Understanding the competitive landscape equips SBI to navigate potential
challenges and seize growth opportunities effectively.
23
CHAPTER-2
Organization Profile
24
2.1 INTRODUCTION TO ORGANIZATION:
41
The State Bank of India (SBI) stands as a pillar of the Indian banking structure, representing a legacy
of
over two centuries in financial services. Established in 1955 after the consolidation of several
banks
56
under the Imperial Bank of India, SBI has evolved into one of the most significant players in the
Indian
banking industry. With its vast reach, diverse offerings, and commitment to serving both urban and rural
36 41
populations, SBI plays a crucial role in shaping the financial landscape of the country.
Recognized as a public sector bank, SBI is fully owned by the Government of India and operates
numerous branches across the nation and abroad. As of 2023, SBI operates more than 22,000
branches
and approximately 58,000 ATMs, making it the largest bank in the country in terms of assets, deposits,
123
and number of customers. Its extensive network not only emphasizes its commitment to accessibility but
also underlines its pivotal role in fostering financial inclusion, particularly in less-developed regions.
Historical Background
25
The roots of SBI trace back to the establishment of the Bank of Calcutta in 1806, which later evolved
into the Bank of Bengal, one of the three presidency banks. Over the years, several smaller banks
were merged to form the Imperial Bank of India in 1921, which later became the SBI we know
today post- nationalization. The nationalization of this bank was a critical moment in India's
economic history, symbolizing the state's commitment to fostering more equitable economic growth.
The transition from the Imperial Bank of India to the State Bank of India represented a paradigm shift
in banking philosophy, focusing on priority sector lending and inclusiveness. Under the new structure,
SBI expanded its scope of services, aiming to support agricultural, industrial, and consumer needs,
shaping its multifaceted role in the Indian economy.
Organizational Structure
25
65
SBI operates under a robust and decentralized structure that allows for efficient management across its
vast network. The organization is governed by a board of directors, consisting of experienced
professionals and representatives from various sectors, ensuring a diverse approach to decision-making.
21
The bank is headed by a chairman and operates through various verticals includingretail banking,
corporate banking, international banking, treasury, and asset management.
This decentralized framework enables branches to cater to local needs effectively, while also allowing
36
for standardized policies across the organization. The bank's regional offices and zonal officesplay
a pivotal
role in linking branches with the central administrative structure, ensuring compliance with
banking regulations and alignment with corporate strategies.
Mission and Vision
105
SBI's mission is to deliver a comprehensive range of financial services while maintaining high levels
of
13
customer satisfaction, financial stability, and social responsibility. Its commitment to excellence,
emerging as a 'Bank of Choices,' reflects its intention to cater to the diverse needs of its customer
base, leveraging innovative solutions to enhance the banking experience.
The vision of SBI extends beyond merely providing financial services; it aims to be a catalyst for
21
contributing to the nation's overall development. By upholding principles of
inclusive growth, thereby
transparency, accountability, and ethical governance, SBI ensures that its operations positively impact
the economy and society at large.
Product and Service Offerings
The diverse portfolio of products and services offered by SBI encompasses various categories,
catering to the needs of individual customers, SMEs, and large corporations. Key offerings include:
26
1. Retail Banking: This division provides essential services such as savings and current accounts,
fixed deposits, home loans, personal loans, education loans, and credit cards. SBI has placed
significant emphasis on digital banking to ensure a seamless customer experience, enhancing
accessibility for clients across different demographics.
91
2. Corporate Banking: SBI's corporate banking services encompass working capital finance, project
finance, trade finance, and cash management services. By supporting the growth of businesses, SBI
36
plays a crucial role in driving the economic engine of the country.
3. Agriculture Banking: Recognizing the significance of agriculture in India, SBI offers specialized
products tailored to farmers, including crop loans, agri business loans, and financial support for
agricultural projects. This focus promotes agricultural growth and sustainability.
4. International Banking: With a presence in multiple countries, SBI facilitates international banking
services, including foreign exchange, outward and inward remittances, and trade finance for
Indian exporters and importers.
5. Digital Banking Services: SBI's digitization strategy includes comprehensive online and mobile
65 73
offer The
banking platforms that
a wide range of services,
from fund transfers to utility bill payments. adoption of digital technology not only enhances customer
convenience but also supports financial inclusion initiatives by reaching the underserved segments
of the population.
Corporate Social Responsibility (CSR)
13
SBI underscores its commitment to CSR through various initiatives aimed at community development
and environmental sustainability. Its CSR activities focus on education, healthcare, rural development,
and disaster management. By actively engaging in social welfare programs, SBI seeks to improve the
quality of life for communities, aligning with its overarching mission of inclusive growth.
27
The bank’s commitment to sustainability is evident in its funding of green projects and investments
in renewable energy, demonstrating a holistic approach to business that addresses both economic
and environmental challenges.
Technological Innovations
As the banking landscape evolves, SBI has made strides in leveraging technology to enhance its
services. The bank has embraced fintech solutions, incorporating advanced analytics, artificial
intelligence, and blockchain technology into its operations. This commitment to innovation ensures that
SBI remains competitive and meets the changing expectations of its customers.
Initiatives like YONO (You Only Need One), an integrated digital banking platform, illustrate
SBI's forward-thinking approach. YONO not only facilitates banking transactions but also offers
various lifestyle services, effectively positioning SBI as a lifestyle solutions provider.
Financial Performance
SBI’s financial performance reflects its position as the largest bank in India. The bank consistently
reports strong revenue and profit figures, supported by a robust asset base. With a commitment to
maintaining asset quality and minimizing non-performing assets (NPAs), SBI’s financial health remains
stable, enabling it to fulfill its mission of extending credit and financial services to all sectors of
society.
SBI's strategic initiatives to diversify income streams, control costs, and enhance operational efficiency
79
contribute to its resilient financial performance. As a result, the bank continues toplay a
significant role in
meeting the financial requirements of various sectors, driving economic growth.
Challenges and Opportunities
28
Despite its stature, SBI faces several challenges including regulatory pressures, competition from
private and foreign banks, and technological disruptions in the evolving banking sector. Furthermore,
the increasing expectations of digitally-savvy customers necessitate continuous innovation and
adaptation.
59
However, these challenges also present opportunities for SBI. By investing in advanced technology,
exploring strategic partnerships, and focusing on customer experience, SBI has the potential to
strengthen its market position. The bank can also leverage its vast network to further promote
financial literacy and inclusion, enabling it to penetrate deeper into untapped markets.
2.2 COMPANAY PROFILE
STATE BANK OF INDIA
COMPANY PROFILE OF SBI
NAME OF THE COMPANY State Bank of
FOUNDED India 1 July 1955
FOUNDER John Mathai
CEO Dinesh Kumar Khara
HEADQUARTERS Maharashtra, India
INDUSTRY Banking Industry
SECTOR Public Sector and Financial Service
AREAS SERVED Worldwide
REVENUE 40,973 crore (US$51 billion)
29
OPERATING INCOME
78,898 crore (US$9.9 billion)
NET INCOME
43,774 crore (US$5.5 billion)
TOTAL ASSETS
5,177,545 crore (US$650 billion)
EMPLOYEES
2,44,250 crore (March 2021)
30
HISTORY OF S2B9 I
The State Bank of India (SBI) is a public sector bank and the largest commercial bank in
India. 67
It was established on July 1, 1955, through the amalgamation of the Imperial Bank of
India and the seven banks that became its subsidiaries. SBI's headquarters is in Mumbai,
Maharashtra.
12
The Imperial Bank of India was established in 1921 by the British government to serve as the
67 117
country's central bank. In 1955, the Indian government passed the State Bank of India Act,
12 76
whichnationalized the Imperial Bank of India and its subsidiary banks and created the State
16
Bank of India as the country's largest commercial bank. Over the years, SBI has grown to
become one of the largest banks in the world, with a network of more than 22,000 branches and
58,000 ATMs inIndia, and presence in 32 countries around the world with more than 200 foreign
12 16
offices. SBI offers a wide range of banking products and services, including personal banking,
corporate banking, international banking, agriculture banking, and digital banking.
SBI's personal banking services include savings accounts, current accounts, fixed deposits,
creditcards, home loans, personal loans, and car loans. Its corporate banking services include
43
wo
project finance, rking capital finance, trade finance, treasury and capital market
operations, and cash management services. SBI's international banking services
include trade finance, foreign
currency loans, and remittances.
118
In addition to traditional banking services, SBI also offers a range of digital services, including
internet banking, mobile banking, and online trading. SBI is committed to leveraging
technologyto improve its services and provide a better banking experience to its customers.
50
SBI is known for its strong commitment to corporate social responsibility (CSR) and sustainability.
141 153
The bank has implemented several CSR initiatives in the areas of education, health, and rural
development. It has also launched several sustainability initiatives, including a green banking
policy and a sustainability report. Overall, SBI is a leading financial institution in India with
a strong reputation for its comprehensive range of financial services, extensive network, and
commitment to sustainability and CSR.
31
In recent years, SBI has undergone significant transformation, with a focus on digitization and
innovation. It has launched several digital initiatives, including mobile banking, internet
53
banking,and the SBI YONO app, which offers a one-stop solution for all banking and financial
35
needs. SBI has also been at the forefront of promoting financial inclusion in India, with
initiatives such as opening no- frills accounts and providing access to banking services in rural
50
areas. Today, SBI isa trusted brand in India and is widely regarded as a symbol of the country's
financial strength andstability.
12
2.3 PRODUCT AND SERVICE PROFILE
SBI offers a plethora of products and services such as savings account, credit cards, fixed
deposits, personal loan, home loan, business loan, debit card, loan against property, car
loan,gold loan, and more.
Savings Account
2
SBI offers 5 types of savings account with which p.a.
account holders can earn up to 4%
intereston their account balance. Account can also link it to MOD account to car higher
interest.
Current Account
22
8 types
SBI offers of current accounts with low maintenance charges to satisfy customer's
29 2
cur needsand expectations. SBL rent account can
be opened ith a minimum balance of Rs.
10,000,
29
Home Loan
2
SBI home loans have catered to the need of owning a home of over 30Lakh families in India
SBIloans come with low processing charges, low-interest rates, and no hidden costs.
Personal Loan
SBI offers 4 types of personal loans for tenure ranging from to 5 years. SBI Personal Loans
caterto the financial needs of any account holder at low-interest rates.
Loan against Property
32
SBI offers 2 types of loans against property, namely, Mortgage of Immovable Property and
Rent 112
22 Plus. Customers can avail loan against property at low EMI and flexible tenures.
Gold Loan
17
SBI account holders can avail Gold Loan (from Rs. 20000 to Rs 20Lakh) by a pledge of gold
2
ornaments including gold coins. It comes with less paperwork and affordable interest rates.
Educational Loan
SBI offers 5 types of education loans. Using SBI Education Loan, customers can opt for
leading institutions in India. Customers can avail a loan amount of up to Rs. 1.5 crore. It also
provides concession for girl students.
Two-Wheeler Loan
SBI offers 2 types of two-wheeler loans with no advance EMI and low-interest rates, The
interest of two-wheeler loans is calculated on daily reducing balance, SBI also offers the
flexibility of payment of EMI anytime during the month.
Business Loan
22 2
sec SBI offersop ured and unsecured business loan tions
to its customers. To fulfill the business requirements easily. SBI provides hassle free
documentation, attractive interest rates and flexibletenure options.
Car Loan
22
SBI offers 4 types of car loans. It helps its customers in financing a car for it customers at low-
2
interest rates, low EMIs, less paperwork, and quick disbursements car loan offers the longest
tenure of 7 years.
17
Fixed Deposit
2
SBI offers a wide array of fixed deposit schemes to regular individuals and senior citizens SBI
FD rates vary from 5.00% to 4.80% for regular individuals and 5.50% 10 7.30% for senior
citizens.
33
Recurring Deposit
SBI offers a recurring deposit with tenure ranging from 12 months to 120 months Customers
canavail overdraft up to 90% against SBI recurring deposit.
35
Credit Card
40 2
SBI offers a wide range of credit cards to its customers to provide various benefits in the form
ofcash-back, reward points, welcome bonuses across categories such as lifestyle, travelling,
shopping, etc.
Debit Card
SBI offers various types of debit cards specially designed to cater to the needs of its customers.
Each debit card comes with a lot of benefits, flexible withdrawal limits, rewards on shopping,
travelling, etc.
29
Balance Enquiry
2
SBI account holders can use SBI net banking, toll-free number, mobile banking, passbook, missed
17
call service, SMS banking (SBI Quick), USSD. ATM to check their SBI account balance instantly.
Mobile Banking
2
SBI offers mobile banking facility to its users through the SBI Anywhere Personal Banking
App.Customers can check their account balance, transfer finds, pay bills & much more via
35
SBI mobile banking.
Net Banking
2
SBI offers net banking services to its customers to provide great customer experience through
which they can easily check their account balance, transfer funds within & outside the bank,
& more.
17
Customer Care
2
SBI account holders can avail themselves of customer care for any queries, complaints,
feedback,etc. Customers can contact via SMS, e-mail, toll-free number which is available
34
24x7.
17
IFSC Code
SBI Indian Financial System Code (IFSC) is an 11-digit alphanumeric code which is used to
40
identify the bank branches and facilitate NEFT or RTGS transactions SBIMG50240 is the
IFSC code of Sector 22 chandigarh branch.
2.4 McKinsey’s 7-S Framework or Business Model Canvas
104
The banking sector today operates within a complex environment characterized by rapid
technological advancements, changing customer preferences, and heightened competition. To
76
navigate this terrain effectively, financial institutions, including the State Bank of India (SBI), must
adopt structured frameworks that promote strategic alignment and business model innovation. Two
significant frameworks for analyzing organizational effectiveness and business models are
78
McKinsey's 7-S Framework and the Business Model Canvas. This report delves into these
frameworks, exploring their relevance and application in the context of SBI.
McKinsey's 7-S Framework
The McKinsey 7-S Framework is a management model developed in the 1980s, designed to
help organizations align their internal elements for improved performance. It identifies seven
125
interdependent elements—Strategy, Structure, Systems, Shared Values, Skills, Style, and Staff—
51
that must be harmonized to achieve organizational
goals.
1. Strategy
In the context of SBI, strategy encompasses the bank's long-term plan to achieve competitive
advantage and financial growth. SBI's strategy focuses on expanding its footprint in both domestic
and international markets while leveraging technology to enhance customer service. The bank has
35
prioritized digital transformation, aiming to streamline operations and offer innovative products
that meet evolving customer demands. The implementation of initiatives like YONO (You
Only Need One) signifies SBI's strategic intent to blend banking with lifestyle services, positioning
itself as a holistic solutions provider.
2. Structure
SBI's organizational structure is hierarchical but also decentralized, enabling branches to

operate with a degree of autonomy while adhering to overarching corporate policies. This
structure facilitates quick decision-making at the local level and ensures that the bank can
cater to the
78
specific needs of diverse customer segments. The presence of regional and zonal offices servesto
strengthen the link between the central command and the ground-level operations, improving
responsiveness to market dynamics.
3. Systems
Systems refer to the processes and procedures that support organizational operations. SBI's robust
systems encompass risk management frameworks, compliance mechanisms, and technological
platforms that underpin its banking services. The introduction of advanced digital banking systems
allows SBI to offer a seamless customer experience while ensuring regulatory compliance.
Furthermore, the integration of data analytics enhances the bank's ability to assess customer
behavior, manage risks effectively, and optimize its service delivery.
113
4. Shared Values
Shared values are the core principles and beliefs that guide an organization. At SBI, these
values revolve around customer-centricity, integrity, and inclusivity. The bank strives to
promote
95
financial inclusion by reaching underbanked and rural populations with its products and services.
SBI's commitment to corporate social responsibility (CSR) also reflects its dedication to ethical
36
135
practices and community engagement, fostering a culture that resonates with its mission of societal
upliftment.
5. Skills
The skills element addresses the capabilities and competencies of an organization’s workforce. SBI
106 162
a diverse has
banking, talent pool
equipped with expertise in various areas such as retail corporate
52
finance, risk management, and technology. Continuous training and development programs ensure
that employees are updated with the latest banking trends and technologies. The bank also
recognizes the importance of soft skills in enhancing customer interactions, fostering a culture
of empathy and service excellence.
6. Style
Style refers to the leadership approach and corporate culture within the organization. SBI is
170
characterized by a collaborative and
participative management style that encourages employee
engagement and feedback. The bank’s leadership emphasizes transparency and accountability,
fostering an environment where innovation and initiative are valued. This cultural framework
70
aligns with SBI's strategic goals, driving commitmentto the organization's mission and values.
7. Staff
The staff element focuses on the people aspect of the organization. SBI employs a large and diverse
60
workforce, reflecting the varied demographic of its customer base. The bank has implemented
various initiatives to enhance employee satisfaction and retention, recognizing that a motivated
workforce is crucial for delivering superior customer experiences. Recruitment practices prioritize
48
diversity and inclusivity, contributing to a strong organizational identity that resonates with its
commitment to social responsibility.
37
CHAPTER -3
REVIEW OF LITERATURE AND RESEARCH DESIGN
38
3.1 REVIEW OF LITERATURE AND GAPS
The review of literature provides a comprehensive understanding of previous research and findings related
22
to financial statement analysis and trend analysis in the banking sector, particularly focusing on State
Bank of India (SBI). Below is a summary of 15 relevant articles:
1. "Financial Statement Analysis: A Tool for Decision Making" by Gupta Sharma (2018)
53
• This article discusses the importance of financial statement analysis in making informed business
decisions. The authors emphasize the role of trend analysis in identifying financial health over time,
providing a foundation for assessing SBI's performance.
2. "The Role of Financial Ratios in Analyzing Bank Performance" by Kumar Singh (2019)
16
• The study highlights key financial ratios used in banking analysis, such as Return on Equity (ROE)
86
and Net Interest Margin (NIM). It provides insights into how these ratios can be applied to evaluate SBI's
operational efficiency.
3. "Trend Analysis of Financial Statements: A Case Study of Public Sector Banks" by Verma (2020)
• This research focuses on trend analysis within public sector banks, including SBI. It examines
historical data trends and their implications for future performance, establishing a framework for the
current study.
4. "Impact of Macroeconomic Factors on Banking Performance" by Rao Nair (2021)
166
• The authors analyze how macroeconomic variables like GDP growth and inflation affect bank
163
performance. This article provides context for understanding external factors influencing SBI's
financial statements.
39
5. "Comparative Analysis of Financial Performance: SBI vs. Private Sector Banks" by Mehta Joshi (2020)
• This comparative study evaluates SBI against private sector banks, focusing on profitability and
efficiency metrics. It serves as a benchmark for assessing SBI's competitive position.
6. "Liquidity Management in Indian Banking Sector" by Iyer Bansal (2019)
• This paper discusses liquidity ratios and their significance in banking operations. The findings can
be applied to analyze SBI's liquidity position through trend analysis.
7. "Capital Adequacy and Risk Management in Banks" by Choudhary Gupta (2021)
133
• The research examines capital adequacy ratios and risk management practices in banks, providing
insights into how these factors impact SBI's financial stability.
12
8. "Financial Performance Evaluation of Public Sector Banks in India" by Sharma Reddy (2018)
43 43 159
• This article evaluates the financial performance of various public sector banks, including SBI, using
various analytical tools. It underscores the relevance of trend analysis in evaluating long-term
performance.
9. "Determinants of Bank Profitability: Evidence from Indian Banks" by Sethi Kumar (2020)
142 48
• This study identifies factors influencing bank profitability, offering insights into the determinants that
can be analyzed through SBI's financial statements.
10. "The Importance of Cash Flow Analysis in Banking" by Patel Desai (2019)
• The authors discuss cash flow analysis as a vital component of financial statement analysis. This
40
perspective is crucial for understanding SBI's liquidity and operational efficiency.
11
11. "An Empirical Study on the Financial Performance of SBI" by Agarwal Yadav (2021)
• This empirical research focuses specifically on SBI's financial performance metrics over several years,
providing a detailed examination relevant to the current study.
12. "Risk-Return Trade-off in Banking: A Study of Indian Banks" by Singh Bhatia (2020)
30 30
• The study explores the risk-return dynamics within Indian banks, contributing to a deeper
understanding of how these factors influence SBI's financial strategy and performance.
13. "The Role of Digital Banking in Financial Performance: A Case Study of SBI" by Raghavan Pillai
(2022)
134
* This article investigates how digital banking initiatives have impacted SBI’s financial performance,
providing contemporary insights into its operational trends.
14. "A Study on Non-Performing Assets in Indian Banks" by Khanna Mehta (2021)
• The research highlights the issue of non-performing assets (NPAs) and their impact on bank
profitability and liquidity, essential for analyzing SBI’s financial statements.
15. "Financial Statement Analysis: A Comparative Study of SBI and HDFC Bank" by Kapoor Sen (2020)
• This comparative study analyzes the financial statements of SBI and HDFC Bank, focusing on trends
92
in profitability and efficiency, which can provide a frameworkfor the current research.
The literature review highlights the various dimensions of financial statement analysis and trend analysis
41
within the banking sector, particularly focusing on SBI. The studies collectively emphasize the importance
of financial ratios, macroeconomic factors, and comparative analyses, providing a robust foundation
for conducting a detailed examination of SBI’s financial statements through trend analysis. These
articles reveal gaps and opportunities for further research, guiding the current study’s objectives and
methodology.
3.2 STATEMENT OF PROBLEM
11
Financial statement analysis is an important tool to analyses and measure organizations
effectiveness and potency. It facilitates grasping the serve of the businesses which can help to
understand the monetary position of the organization. It conjointly facilitates the corporate for
higher cognitive process and implementation. And this comparative study is completed to seek
out the expansion, efficiency, profitability, and monetary position of the banks.
3.3 NEED OF THE SYUDY
Financial Statement Analysis is used to identify the end and relationships between financial
statement items. Both internal management and external users (such as analysts, creditors, and
investors) of the financial statement are used to evaluate a company's profitability, liquidity
114 97
and solvency. The most common method used for financial statement analysis is trend analysis,
121
comparative statement, common size statement and ratio analysis. For this study the researcher
75
will use trend analysis to gauge the financial position of the banks.
11
3.4 SCOPE OF THE STUDY
The scope of this study on the State Bank of India (SBI) focuses on an in-depth examination of
its operational frameworks, strategic initiatives, and overall influence on the banking landscape
in India. The research aims to analyze SBI's digital transformation efforts and the role of
technology in enhancing customer service and engagement. Additionally, it will investigate the
bank's strategies for fostering financial inclusion, particularly in underserved regions,
highlighting its impact on economic growth and community development.
The study will also address SBI’s corporate social responsibility (CSR) activities and examine
their effects on business performance and customer perceptions. Evaluating financial metrics, such
42
as profitability and risk management frameworks, will be crucial to understanding the bank's
resilience in a competitive environment. Furthermore, the research will consider external
factors, including regulatory changes and economic conditions, that affect SBI's operations.
3.5 OBJECTIVE OF THE STUDY


To study about the monetary performance of the SBI BANK
85

To analyze about the performance of the SBI BANK in the last

5 years
75
To gauge the financial performance of the SBI through trend analysis
 129
To analyze and interpret thefinancial statements of the SBI BANK.
3.6 RESEARCH DESIGN AND METHODOLOGY
110
The research design for this project report on the State Bank of India (SBI) adopts a mixed-methods
74
approach, combining both qualitative and quantitative methodologies to provide a comprehensive
analysis of the bank's operations and strategies. The quantitative aspect includes the collection
of numerical data through surveys and financial performance metrics, which will help assess
customer satisfaction, service efficiency, and overall financial health.
68
Conversely, qualitative data will be gatheredthrough interviews and focus group discussions with
bank employees, customers, and industry experts. This approach aims to uncover deeper
insights into customer experiences, employee perspectives, and the effectiveness of SBI's
strategic
127
initiatives. The research will also incorporate case studies to illustrate specific examples of SBI’s
innovations and challenges.
143 140
Data analysis will involve statistical methods to interpret quantitative data, while thematic analysis
will be applied to qualitative responses, ensuring a well-rounded understanding of the subject. By
integrating both data types, the research design seeks to offer a holistic view of SBI's role in the
banking sector, its responsiveness to market demands, and its commitment to evolving in a
119
dynamic economic environment. This design not only enhances the validity of the findings but
also provides actionable recommendations for future strategic directions.
43
3.7 SAMPLING FRAMEWORK
The sampling framework for the project report on the State Bank of India (SBI) is structured to
ensure a representative selection of participants, allowing for robust insights into customer
116
experiences and employee perspectives. This study employs a stratified random sampling
technique, which divides the population into distinct subgroups based on relevant criteria, such as
145
customer demographics, account types, and geographic locations. This method ensures that
different segments of SBI’s clientele are adequately represented, providing a comprehensive
understanding of varying needs and preferences.
For the customer surveys, a sample of approximately 200 respondents will be drawn from
various SBI branches across urban and rural areas, reflecting diverse socioeconomic
backgrounds.
136
members
Employee perspectives will be gathered through interviews with a select group of staff
from different departments, including customer service, operations, and management, totaling
around 20 participants.
This multi-tiered approach enhances the reliability of the findings, allowing for a nuanced analysis
of service delivery, customer satisfaction, and organizational effectiveness. By engaging with both
customers and employees, the sampling framework aims to capture a holistic view of SBI’s
operations, ultimately contributing valuable insights for strategic improvements and enhanced
service offerings.
3.8 DEMOGRAPHIC OUTLINE OF RESPONDENTS
The demographic outline of the respondents in this project report on the State Bank of India
(SBI) is designed to capture a diverse representation of the bank's customer base and
employees. For
156
include
customer respondents, key demographic categories age, gender, income level,
education, and geographic location. The sample
includes individuals from various age groups—ranging from young adults (18-24) to senior citizens
(60 and above)—to assess how different age demographics perceive SBI's services. Gender
distribution is balanced to understand differences in banking preferences.
Income levels will also be considered, ensuring representation from both low-income and affluent
44
segments, thereby reflecting the broad economic spectrum that SBI serves. Educational
138
background is examined to analyze the impact of financial literacy on customer relationships with
the bank.
111
For employee respondents, demographics such as job role, tenure, and department are highlighted,
offering insights into the diverse functions within SBI. By including a variety of perspectives from
both customers and employees, this demographic outline facilitates a nuanced understanding of
SBI’s service dynamics and overall organizational culture, supporting a thorough analysis of
the findings and their implications for future strategies.
3.9 TOOLS FOR DATA COLLECTION
115
In the project report on the State Bank of India (SBI), several tools for data collection were utilized
151
to ensure comprehensive and reliable insights. Primarily, structured questionnaires were employed
for customer surveys, designed to capture quantitative and qualitative data on customer
satisfaction, service quality, and banking preferences. These questionnaires included a mix of
157
closed-ended and open-ended questions, allowing respondents to provide specific feedback while
also offering opportunities for detailed responses.
98
Additionally, focus group discussions were conducted with selected customers and employees to
explore attitudes and perceptions in depth. This qualitative method facilitated a richer
understanding of the motivations behind customer choices and employee experiences at SBI.
For employee insights, semi-structured interviews were utilized, allowing for flexibility in
responses while still covering essential topics such as job satisfaction and organizational
culture. The interviews were recorded and transcribed for thorough analysis.
Additionally, secondary data sources, including SBI's annual reports and customer feedback
reports, were reviewed to complement primary data findings. By employing this mixed-
methods approach, the project aimed to gather a well-rounded perspective on SBI's operations,
enhancing the reliability and depth of the research outcomes.
45
4
3.10 LIMITATION OF THE STUDY
124
The study on the State Bank of India (SBI) acknowledges several limitations that may impact the
84
findings and their generalizability. Firstly, the sample size, while sufficient for preliminary
insights, may not fully represent the entire customer and employee demographics of SBI,
potentially affecting the robustness of the conclusions drawn. Regional and cultural variations
within the customer base might lead to differing perceptions that the study could overlook.
30
Secondly, the reliance on self-reported data from surveys and interviews introduces the possibility
71
of response bias, as participants may provide socially desirable answers rather than their true
feelings or experiences. This can compromise the authenticity of the data collected.
Moreover, the dynamic nature of the banking sector means that findings may quickly become
outdated due to changes in customer preferences, technological advancements, or regulatory
frameworks. The study also faced time constraints, limiting the depth of exploration in certain
areas.
Lastly, the focus on SBI may not account for comparative insights from other banks,
potentially restricting the scope of recommendations. Recognizing these limitations is
crucial for
74
and
contextualizing the results suggesting avenues for future research that could address
these gaps.
46
C11HAPTER-4
DATA ANALYSIS AND INTERPRETATION
47
D49ATA ANALYSIS
Data analysis may be defined as the process of examining, cleaning, revising, and modeling in order
to find useful information, propose conclusions, and aid decision-making. In many business, scientific,
and science areas, knowledge analysis includes multiple features and methods, covering diverse
techniques under a variety of titles.
4
Data analysis and interpretation is conducted during the performance measure stage of the design
unit or model. Performance measures lead to a typical procedure through which observations are
done. Analysis is finished on determining data to identify the trend or pattern. This trend or pattern
provides valuable information about the design or system. The trend identified will give the
relationship between the dependent variables and independent variables during the performance
measure. The trend or pattern is a way to compare or check variables and seek the difference
between variables. The analysis section of the performance measure predicts the result and
associates logical relationship.
 Data analysis is also a method of checking, re-modeling, and changing the raw data
with the goal of discovering valuable information, suggestions, and conclusion in
support for deciding.
 In this chapter an attempt has been made to analysis how efficiently the analysis of financial
statements is managed in SBI Bank.
131 4
 Trend analysis has been used as a financial tool for the purpose of analysis.
FORMULA
Trend percentage=
48
TABLE.3.1
TABLE SHOWING TREND ANALYSIS OF EQUITY OF SHARE

CAPITAL OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 892.46 100%
2020 892.46 100%
2021 892.46 100%
2022 892.46 100%
2023 892.46 100%
ANALYSIS
From the above table it can be analyzed that equity share capital of
SBI BANK has a constant amount from 2019-2023(892.46) there is no increase or decrease in
the year.
49
GRAPH 3.1
GRAPH SHOWING TREND ANALYSIS OF EQUITY SHARE CAPITAL

OF SBI BANK
120
100
80
60
40
20
201 202 202 202 2023

SB
INTERPRETATION
The above graph indicates that the trend percentage for equity share capital of SBI BANK been
considerably constant at 100% in the year 2023 in SBI BANK.
50
TABLEB 3.2
TABLE SHOWING TREND ANALYSIS OF RESERVES AND SURPLUS

OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 195,367.42 100%
2020 207,352.30 106%
2021 229,405.38 117%
2022 255,817.73 130%
2023 298,959.73 153%
ANALYSIS
From the above table it can be analyzed that reserves and surplus of
28
SBI BANK has showing an increasing trend from the year 2019-(195,367.42),
2020-(207,352.30), 2021-(229,405.38), 2022-(255,817.73), 2023-(298,959.730).
51
GRAPH 3.2
GRAPH SHOWING TREND ANALYSIS OF RESERVES AND SURPLUS

OF SIB BANK
180
%
160%
140%
120%
100%
80%
60%
40%
20%
201 202 202 202 202
SBI BANK
I3N8 TERPRETATION
The above graph indicates that the trend percentage of reserves and surplus of SIB BANK has
increased from the year 2019-(100%),2020-(106%),2021-(117%),2022-(130),2023-(153%).
52
TABLE.3.3
TABLE SHOWING TREND ANALYSIS OF DEPOSITS OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 2,911,386.01 100%
2020 3,241,620.73 111%
2021 3,681,277.08 126%
2022 4,051,534.12 139%
2023 4,423,777.78 151.94%
ANALYSIS
From the above table it can be analyzed the deposits of
28
SBI BANK has showing an increasing trend from the year 2019-(2,911,386.01), 2020-
(3,241,620.73), 2021-(3,681,277.12), 2022-(4,051,534.12), 2023-(4,423,777.78).
53
GERAP 3.3
GRAPH SHOWING TREND ANALYSIS OF DEPOSITS OF SBI BANK
160
%
140%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
INTERPRETATION
The above graph shows Deposits growing in an increasing trend in the SBI BANK.
The percentage of SBI BANK YEAR 2019-(100%), 2020-(111%), 2021-(126%), 2022-(139%),
2023-(151.94%).
54
TABLE. 3.4
TABLE SHPWIG TREND ANALYSIS OF BORROWINGS OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 403,017.12 100%
2020 314,655.65 78.07%
2021 417,297.70 103.54%
2022 426,043.38 105.71%
2023 493,135.16 122.36%
ANALYIS
From the above it can be analyzed that Borrowing of
SBI BANK has showing a fluctuating and I shows decrease in the year 2019-(403,017.12), 2020-
(314,655.65), when compare to the previous year there was showing increasing trend from 2021-
(417,297.70), 2022-(426,043.38), 2023-(493,135.16).
55
GRAPH 3.4
GRAPH SHOWING TREND ANALYSIS OF BORROWING OF SBI

BANK
140
%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
INTERPRETATION
The above graph that there is a fluctuation of borrowing in the bank of SBI
2019-(100%), 2020-(78.07%), and has been increased in the year 2021-( 103.54%).2022-
(105.71%), 2023-(122.36%).
56
TABLE 3.5
TABLE SHOWING TREND ANALYSIS OF LIABILITES AND

PROVISIONS OG SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 145,597.30 100%
2020 163,110.10 112.02%
2021 181,979.66 124.98%
2022 229,931.84 157.92%
2023 272,457.15 187.13%
ANALYSIS
From the above table it can be analyzed that liabilities and provision of
SBI BANK has showing fluctuating trend as they had a decrease from the year 2019-
(145,597.30), 2020-(163,110.10), 2021-(181,979.66), and increased from the year
2022-
(229,931.84), 2023-(272457.15).
57
GRAPH 3.5
GERAPH SHOWING TREND ANALYSIS OF LIABILITIES AND

PROVISIONS OF SBI BANK
200
%
180%
160%
140%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
I3N8 TERPRETATION
The above graph indicates that there is a fluctuation in trend percentage of liabilities and provisions
of both the bank of SBI BANK has decrease from the year 2019-(100),2020-(112.02%),2021-
(124.98%), and increased from the year 2022-(157.92%), 2023-(187.13%).
58
TABLE.3.6
TABLE SHOWING TREND ANALYSIS OF CASH AND BALANCE

WITH RESERVE BANK OF INDIA OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 176,932.78 100%
2020 166,735.78 94.23%
2021 213,201.54 120.49%
2022 257,859.21 145.73%
2023 247,087.58 139.65%
ANALYSIS
From the above it can be analyzed that cash and balance with reserve bank of
SBI BANK has fluctuating trend as in the year 2020-(166,735.78), and 2023-(247,087.58), there as
shows an increase in the other years of 2019-(176,932.78), 2021-(213,201.54), 2022-
(257,859.21).
59
GRAPH 3.6
GRAPH SHOWING TREND ANALYSIS OF CASH AND BALANCE

WITH RESERVE BANK OF INDIA OF SBI BANK
160
%
140%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
INTERPRETATION
The above graph indicates that there is a fluctuation in trend percentage of cash and balance
with Reserve bank of SBI BANK 2019-(100%), 2020-(94.23%), 2021-(120.49%), 2022-
(145.73%),
2023-(139.65%).
60
TABLE 3.7
TABLE SHOWING TREND ANALYSIS OF BALANCES WITH BANK

MONEY AT CALL AND SHORT NOTICE OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 45,557.69 100%
2020 84,361.23 185.17%
2021 129,837.17 284.99%
2022 136,693.11 300.04%
2023 60,812.04 133.48%
ANALYSIS
83
From the above table it can be analyzed that balance with bank money at call and short noticeof
SBIBANK increased from theyear2019–(45,557.69), 2020-(84,361.23),

2021-(129,837.17), 2022-(136,693.11), 2023(60,812.04).
61
GRAPH 3.7
GRAPH SHOWING TREND ANALYSIS OF BALANCES WITH BANK

MONEYAT CALL AND SHORT NOTICE OF SBI BANK
350
%
300%
250%
200%
150%
100%
50%
201 202 202 2022 202
SBI BANK
I2N4 TERPRETATION
The above graph indicates that there is a fluctuation in trend percentage of cash and balance with
Reserve bank of SBI BANK 2019-(100%), 2020-(185.17%), 2021-(284.99%), 2022-(300.04%),
2023-(133.48%).
62
TABLE 3.8
TABLE SHOWING TREND ANALYSIS OF FIXED ASSETS OF SBI

BANK
SBI BANK
YEAR AMOUNT TREND %
2019 39,197.57 100%
2020 38,439.28 98.06%
2021 38,419.24 98.01%
2022 37,708.16 96.20%
2023 42,381.80 108.12%
ANALYSIS
83 72
From the above table it can be analyzed that Fixed Assets of
SBI BANK has been decreased from the year 2019-(39,197.57), 2020-(38,439.28),
2021- (38,419.24), 2022-(37,708.16), 2023-(42,381.80).
63
GRAPH 3.8
110%
108%
106%
104%
102%
100%
98%
96%
94%
92%
90%
201 202 202 2022 202
SBI BANK
I2N4 TERPRETATION
The above graph indicates that there is a fluctuation in trend percentage of fixed asset of SBI
BANK. Has decreased from the year 2019-(100%), 2020-(98.06%), 2021-(98.01%), 2022-
(96.20%), 2023-(108.12%)
64
TABLE.3.9
TABLE SHOWING TREND ANALYSIS OF LOANS AND ADVANCES

OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 2,185,876.92 100%
2020 2,325,289.79 106.37%
2021 2,449,497.79 112.06%
2022 2,733,966.59 125.07%
2023 3,199,269.30 146.36%
ANALYSIS
SBI BANK has showing an increasing trend from the year 2019-(2,185,876.92),
2020- (2,325,289.79), 2021-(2,449,497.79), 2022-(2,733,966.59), 2023-(3,199,269.30).
65
GRAPH 3.9
GRAPH SHOWING TREND ANALYSIS OF LONES AND ADVANCES

OF SBI BANK
160
%
140%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
INTERPRETATION
The above graph indicates that the trend percentage of loans and advances of the SBI BANK has
increased. SBI BANK has increased in 2019-(100%), 2020-(106.37%), 2021-(102.06%), 2022-
(125.07%), 2023-(146.36%).
66
TABLE.3.10
TABLE SHOWING TREND ANALYSIS OF INVESTMENTS OF SBI

BANK
SBI BANK
YEAR AMOUNT TREND %
2019 967,021.95 100%
2020 1,046,954.52 108.26%
2021 1,351,705.21 139.78%
2022 1,481,445.47 153.19%
2023 1,570,366.23 162.39%
ANALYSIS
From the above it can be analyzed that investment of
SBI BANK has showing an increasing trend from the year 2020-(967,021.95),
2020- (1,046,954.52), 2021-(1,351,705.21), 2022-(1,481,445.47), 2023-(1,570,366.23).
67
GRAPH 3.10
GRAPH SHOWING TREND ANALYSIS OS INVESTMENT OF SBI

BANK
180
%
160%
140%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
INTERPRETATION
The above graph indicates that the trend percentage of investment of the SBI BANK had been
increased. The trend percentage of SBI BANK 2019-(100%), 2020-(108.26%), 2021-(139.78%),
2022-(153.19%), 2023-(162.39%).
68
TABLE. 3.11
TABLE SHOWING TREND ANALYSIS OF OTHER ASSETS OF SBI

BANK
SBI BANK
YEAR AMOUNT TREND %
2019 266,327.70 100%
2020 289,613.55 108.74%
2021 351,768.68 132.08%
2022 339,924.86 127.63%
2023 397,061.58 149.08%
ANALYSIS
From the above table it can be analyzed that other assets of
SBI BANK has showing fluctuating trend from the year 2019-(266,327.70), 2020-
(289,613.55), 2021-(351,768.68), 2023- (397,061.58), is been increased and there is a decrease in
the year 2022- (339,294.86).
69
GRAPH 3.11
GRAPH SHOWING TREND ANALYSIS OF OTHER ASSETS OF SBI

BANK
160
%
140%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
INTERPRETATION
72
The above graph indicates that the trend percentage of other assets of SBI BANK is increased
from 2019-(100%), 2020-(108.74%), 2021-(132.08%), 2022-(127.63%), 2023-(149.08%).
70
TABLE.3.12
TABLE SHOWING TREND ANALYSIS OF TOTAL INTEREST

EARNED ON THE PROFIT AND LOSS ACCOUNT OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 242,868.65 100%
2020 257,323.59 105.95%
2021 265,150.63 109.17%
2022 275,457.29 113.41%
2023 332,103.06 136.74%
ANALYSIS
From the above table it can be analyzed that total interest earned on the profit and loss
account of
SBI BANK has showing increasing trend from the year 2029-(242,868.65), 2020-
(257,323.59), 2021-(265,150.63), 2022-(275,457.29), 2023-(332,103.06).
71
GRAPH 3.12
GRAPH SHOWING TREND ANALYSIS OF TOTAL INTEREST EARNED

ON THE PROFIT AND LOSS ACCOUNT OF SBI BANK
Chart Title
160
%
140%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202

SBI BANK Series 2 Series 3
INTERPRETATION
The above graph indicates that the trend percentage of SBI BANK has increased from 2019-
(100%), 2020-(105.95%), 2021-(109.17%), 2022-(113.41%), 2023-(136.74%).
72
TABLE 3.13
TABLE SHOWING TREND ANALYSIS OF TOTAL OPERATING

EXPENSES ON THE PROFIT AND LOSS ACCOUNT OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 69,687.74 100%
2020 75,173.69 107.87%
2021 82,652.22 118.60%
2022 93,397.52 134.02%
2023 97,743.14 140.25%
ANALYSIS
From the above table it can be analyzed that total operating expenses on the profit and lossaccount
of
SBI BANK has showing increasing trend from the year 2019-(69,687.74), 2020-(75,173.69),
2021-(82,652.22), 2022-(93,397.52), 2023-(97,743.14).
73
GRAPH 3.13
GRAPH SHOWING TREND ANALYSIS OF TOTAL OPERATING

EXPENSES ON THE PROFIT AND LOSS ACCOUNT OF SBI BANK
160
%
140%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
I5N5 TERPRETATION
The above graph indicates that the trend percentage of total operating on te profit and loss
account of SBI BANK has increased from 2019-(100%), 2020-(107.87%), 2021-(118.60%),
2022-
(134.02%), 2023-(140.25%).
74
TABLE 3.14
TABLE SHOWING TREND ANALYIS OF TOTAL INCOME ON THE

PROFIT AND LOSS ACCOUNT OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 279,643.54 100%
2020 302,545.07 108.18%
2021 308,647.01 110.37%
2022 316,021.20 113%
2023 368,718.66 131.85%
ANALYSIS
From the above table it can be analyzed that total income on profit and loss account of
SBI BANK has showing increasing trend from the year 2019-(279,643.54), 2020-(302,545.07),
2021-(308,647.01), 2022-(316,021.20), 2023-(368,718.66).
75
GRAPH 3.14
GRAPH SHOWING TREND ANALYIS OF TOTAL INCOME ON THE

PROFIT AND LOSS ACCOUNT OF SBI BANK
140
%
120%
100%
80%
60%
40%
20%
201 202 202 2022 202
SBI BANK
INTERPRETATION
The above indicates that trend percentage of total income on the profit or loss account of SBI
BANKis increased from 2019-(100%), 2020-(108.18%), 2021-(110.37%), 2022-(113%), 2023-
(131.85%).
76
TABLE 3.15
TABLE SHOWING TREND ANALYSIS OF TOTAL PROFIT OR LOSS

AVAILABLE FOR APPROPRIATIONS ON THE PROFIT AND LOSS
ACCOUNT OF SBI BANK
SBI BANK
YEAR AMOUNT TREND %
2019 -14,216.34 -100%
2020 -737.94 -5.19%
2021 9,912.17 76.72%
2022 28,075.14 197.48%
2023 56,113.86 394.71%
ANALYIS
From the above table it can be analyzed that year 2019-(-14,216.34), 2020-(-737.94), Other year
has showing increasing trend from 2021-(9,912.17), 2022-(28,075.14), 2023-(56,113.86).
77
GRAPH 3.15
GRAPH SHOWING TREND ANALYSIS OF TOTAL PROFIT OR LOSS

AVAILABLE FOR APPROPRIATIONS ON THE PROFIT AND LOSS
ACCOUNT OF SBI BANK
500
400
%
200
100
0%
201 202 202 2022 202
SBI BANK
INTERPRETATION
The above graph indicates that the total profit or loss available for appropriation on the profit or
loss account of SBI BANK has been fluctuating in SBI BANK there is loss in the year 2019-(-
100%), 2020-(-5.19%), and in 2021-(76.72%), 2022-(197.48%), 2023-(394.71%).
78
CHAPTER 5
SUMMARY OF FINDINGS, CONCLUSION AND
SUGGESTIONS
79
FINDINGS
15
1. The above graph indicates that the trend percentage for equity share capital of SBI BANK been
pconsiderably constant at 100% in the year 2023 in SBI BANK.
2. The above graph indicates that the trend percentage of reserves and surplus of SIB BANK has
increased from the year 2019-(100%),2020-(106%),2021-(117%),2022-(130),2023- (153%).
3. The above graph shows Deposits growing in an increasing trend in the SBI BANK.
The percentage of SBI BANK YEAR 2019-(100%), 2020-(111%), 2021-(126%), 2022-(139%),
2023-(151.94%).
4. The above graph that there is a fluctuation of borrowing in the bank of SBI
2019-(100%), 2020-(78.07%), and has been increased in the year 2021-(103.54%).2022-
(105.71%), 2023-(122.36%).
5. The above graph indicates that there is a fluctuation in trend percentage of liabilities and
provisions of both the bank of SBI BANK has decrease from the year 2019-(100),2020-
(112.02%),2021-(124.98%), and increased from the year 2022-(157.92%), 2023-(187.13%).
6. The above graph indicates that there is a fluctuation in trend percentage of cash and balance
with
2023-(139.65%).
7. The above graph indicates that there is a fluctuation in trend percentage of cash and balance
with
2023-(133.48%).
80
14
8. The above graph indicates that there is a fluctuation in trend percentage of fixed asset of SBI
BANK. Has decreased from the year 2019-(100%), 2020-(98.06%), 2021-(98.01%),2022-
(96.20%), 2023-(108.12%)
9. The above graph indicates that the trend percentage of loans and advances of the SBI BANK
has increased. SBI BANK has increased in 2019-(100%), 2020-(106.37%), 2021-(102.06%), 2022-
(125.07%), 2023-(146.36%).
10. The above graph indicates that the trend percentage of investment of the SBI BANK had
been increased. The trend percentage of SBI BANK 2019-(100%), 2020-(108.26%), 2021- (139.78%),
2022-(153.19%), 2023-(162.39%).
11. The above graph indicates that the trend percentage of other assets of SBI BANK is increased
from 2019-(100%), 2020-(108.74%), 2021-(132.08%), 2022-(127.63%),2023- (149.08%).
12. The above graph indicates that the trend percentage of SBI BANK has increased from 2019-
(100%), 2020-(105.95%), 2021-(109.17%), 2022-(113.41%), 2023-(136.74%).
5
13. The above graph indicates that the trend percentage of total operating on te profit and loss
account of SBI BANK has increased from 2019-(100%), 2020-(107.87%), 2021-(118.60%),
2022-(134.02%), 2023-(140.25%).
14. The above indicates that trend percentage of total income on the profit or loss account of
SBI BANK is increased from 2019-(100%), 2020-(108.18%), 2021-(110.37%), 2022-(113%),
2023-
(131.85%).
14 27
15. The above graph indicates that the total profit or loss available for appropriation on the profit
or loss account of SBI BANK has been fluctuating in SBI BANK there is loss in the year 2019 -(-
100%), 2020-(-5.19%), and in 2021-(76.72%), 2022-(197.48%), 2023-(394.71%).
81
.
SUGGESTIONS
In the light of the conclusion, the following suggestions are made.
 SBI bank need to develop zeal to increase their profits.
 Fixed Assets of SBI Bank fluctuating hence indicate that the bank must take measures
to maintain their Fixed Assets.
 SBI bank should work on maintaining a positive cash balance with RBI and with
Investment to increase the liquidity of the bank.
 Advances of SBI are fluctuating hence indicate that the bank has to take measures to
maintain their advances.
CONCLUSION
The financial performance of SBI BANK is analyzed through a five years balance sheet date
i.e. comparative balance sheet 2019-2023. SBI BANK benefit from equity capital, reserves,
surplus, deposits, liabilities and other terms, cash and balances in the Reserve Bank of India,
balances with bank money on demand, short notice, and corporate economy. The financial
performance of the bank had compared to analyze various trend ratios have used to
measure the banks’
profitability, solvency position, and financial position of a firm. According to the analysis, SBI
31 100
BANK is one of the largest banks in India and has been consistently profitable over the years
82
BIBLIOGRAPHY
Journals
Gupta, A., & Singh, S. (2020). Financial performance analysis of SBI a comparative study.
International Journal of Research and Analytical Reviews, 7(1),
RAO, V N., & Reddy, M. M (2019). A study on financial performance analysis of SBI using
trend analysis. International Journal of Economics, Commerce and Management, 7(1),
Paul, S. K., & Sarker, S. (2021). Financial performance analysis of SBI using trend analysis.
Journal of Business and Technology Management, 4(1),
31
Yadav, S. (2018). A comparative Analysis of financial performance of SBI using trend analysis.
International Journal of Management and Social Sciences Research, 7(4),
Sharma, A., & Kumar, P. (2022). Financial performance of SBI: a trend analysis. International
Journal of Financial Management and Research, 7(1),
Verma, R., & Singh, A. (2020). An empirical study of financial performance analysis of SBI
using trend analysis. International Journal of Applied Business and Economic Research 18(2),
Singh, S., & Gupta, A. (2019). Trend analysis of financial performance of SBI: a comparative
study. International Journal of Research in Finance and Marketing, 9(3),
Kumar, R., & Goyal, R. (2021). A comparative study of financial performance of SBI using
trend analysis. International Journal of Research in Commerce, IT and Management, 11(2),
Singh, N., & Singh, R. (2018). An analytical study of financial performance of SBI using trend
analysis. International Journal of Economics, Commerce and Research, 8(2),
83
Kumar, A., & Singh, R. (2022). Financial performance analysis of SBI: a comparative study
using trend analysis. International Journal of Finance and Banking Research, 7(1),
Websites
Money Control “Balance Sheet of SBI Bank” accessed on 13/03/2023 at

https://www.moneycontrol.com/financials/statebankindia/balance-sheetVI/SBI
Money control “Profit and Loss Account of SBI BANK’’ accessed on 2/04/2023
https://www.moneycontrol.com/financials/statebankindia/profit-lossVI/SBI#SBI
84
BALANCE SHEET OF STATE BANK OF INDIA
BALANCE SHEET OF MAR 23 MAR 22 MAR 21 MAR 20 MAR 19

STATE BANK OF INDIA
(in Rs. Cr.)
12 mths 12 mths 12 mths 12 mths 12 mths
EQUITIES AND
LIABILITIES
SHAREHOLDER'S FUNDS
Equity Share Capital 892.46 892.46 892.46 892.46 892.46
5
TOTAL SHARE CAPITAL 892.46 892.46 892.46 892.46 892.46
Revaluation Reserve 27,756.26 23,377.87 23,577.35 23,762.67 24,653.94
Reserves and Surplus 892.46 892.46 892.46 892.46 892.46
TOTAL RESERVES AND 358,038.86 304,695.58 274,669.10 250,167.66 233,603.20

SURPLUS
TOTAL SHAREHOLDERS 330,282.60 281,317.72 251,091.75 226,405.00 208,949.26

FUNDS
Minority Interest 12,836.62 11,207.42 9,625.92 7,943.82 6,036.99
Deposits 4,468,535.51 4,087,410.60 3,715,331.24 3,274,160.63 2,940,541.06
Borrowings 521,151.95 449,159.78 433,796.21 332,900.67 413,747.66
Other Liabilities and 592,962.92 507,517.68 411,303.62 331,427.10 293,645.69

Provisions
TOTAL CAPITAL AND 5,954,418.32 5,360,883.53 4,845,618.55 4,197,492.34 3,888,467.06

LIABILITIES
ASSETS
85
Cash and Balances 247,321.0 258,086.4 213,498.6 166,968.4 177,362.74
with Reserve Bank of 5 3 2 6
India
48,149.52
Balances with Banks 70,990.8 140,818.6 134,208.4 87,346.8
Money at Call and 6 9 2 0
Short Notice
Investment
s 1,913,107.86 1,776,489.90 1,595,100.27 1,228,284.28 1,119,247.77
Advances 3,267,902.13 2,794,076.00 2,500,598.99 2,374,311.18 2,226,853.67
Fixed 44,407.38 39,510.03 40,166.79 40,078.17 40,703.05

Assets
Other Assets 410,689.0 351,902.4 362,045.4 300,503.4 276,150.31

4 8 7 5
TOTAL ASSETS 3,888,467.06

5,954,418.32 5,360,883.53 4,845,618.55 4,197,492.34
CONTINGENT
LIABILITIES,
COMMITMENTS
Bills for Collection 64,571.94 77,783.06 1,714,239.52 55,790.70 70,047.23
Contingent Liabilities 1,835,524.38

2,007,232.49 1,714,239.5 1,221,083.11 1,121,246.28
2
klkj lsdfjalkjdsfakl jf
Money Control “Balance Sheet of SBI Bank” accessed on

13/03/2023 at
https://www.moneycontrol.com/financials/statebankindia/balan
ce-sheetVI/SBI
86
PROFIT AND LOSS ACCOUNT OF STATE BANK OF INDIA
PROFIT & LOSS ACCOUNT OF MAR 23 MAR 22 MAR 21 MAR 20 MAR 19

STATE BANK OF INDIA (in Rs. Cr.)
12 mths 12 mths 12 mths 12 mths 12 mths
INCOME
5
Interest / Discount on Advances / 171,823.73 171,429.14 179,748.84 161,640.23
221,400.65 Bills
Income from Investments 95,928.27 84,877.20 79,808.09 68,204.72 74,406.16
5
Interest on Balance with RBI and 3,491.01 4,377.91 4,317.53 2,920.41 1,179.07
Other Inter-Bank funds
Others 11,283.14 14,378.44 9,595.87 6,449.63 5,643.19
TOTAL INTEREST EARNED 332,103.06 275,457.29 265,150.63 257,323.59 242,868.65
Other Income 36,615.60 40,563.91 43,496.37 45,221.48 36,774.89
TOTAL INCOME 368,718.66 316,021.20 308,647.01 302,545.07 279,643.54
EXPENDITURE
Interest Expended 187,262.5 154,749.70 154,440.6 159,238.77 154,519.78

6 3
5
Payments to and Provisions for 57,291.84 57,561.99 50,936.00 45,714.97 41,054.71
Employees
Depreciation 3,297.27 3,248.59 3,317.55 3,303.81 3,212.31
Operating Expenses (excludes 37,154.02 32,586.94 28,398.67 26,154.91 25,420.72

Employee Cost & Depreciation)
TOTAL OPERATING EXPENSES 97,743.14 93,397.52 82,652.22 75,173.69 69,687.74
87
5
Provision Towards Income Tax 21,223.93 11,427.30 10,760.88 2,803.14 491.13
Provision Towards Deferred Tax -4,250.74 318.57 -3,630.23 7,510.99 954.12
Other Provisions and Contingencies 16,507.32 24,452.13 44,013.03 43,330.37 53,828.55
TOTAL PROVISIONS AND 33,480.51 36,198.00 51,143.68 53,644.50 54,573.80

CONTINGENCIES
TOTAL EXPENDITURE 318,486.20 284,345.22 288,236.54 288,056.96 278,781.31
NET PROFIT / LOSS FOR THE 50,232.45 31,675.98 20,410.47 14,488.11 862.23
YEAR
NET PROFIT / LOSS AFTER EI & 50,232.45 31,675.98 20,410.47 14,488.11 862.23
PRIOR YEAR ITEMS
5
Profit / Loss Brought Forward 5,881.40 -3,600.84 -10,498.30 -15,226.06 -15,078.57
TOTAL PROFIT / LOSS 56,113.86 28,075.14 9,912.17 -737.94 -14,216.34

5
A VAILABLE FOR
APPROPRIATIONS
APPROPRIATIONS
Transfer To / From Statutory 15,069.74 9,502.79 6,123.14 4,346.43 258.67

Reserve
Transfer To / From Capital Reserve 232.81 538.15 1,465.12 3,985.84 379.21
Transfer To / From Revenue And 2,052.35 5,816.31 2,354.90 1,428.08 371.84

Other Reserves
Dividend and Dividend Taxfor The 0.00 0.00 0.00 0.00 0.00
Previous Year
Equity Share Dividend 10,084.81 6,336.47 3,569.84 0.00 0.00
Tax On Dividend 0.00 0.00 0.00 0.00 0.00
Balance Carried Over To Balance 24,098.72 5,881.40 -3,600.84 -10,498.30 -15,226.06

Sheet
TOTAL APPROPRIATIONS 56,113.86 28,075.14 9,912.17 -737.94 -14,216.34
88
5
OTHER INFORMATION
EARNINGS PER SHARE
Basic EPS (Rs.) 56.29 35.49 22.87 16.23 0.97
5
Diluted EPS (Rs.) 56.29 35.49 22.87 16.23 0.97
DIVIDEND PERCENTAGE
Equity Dividend Rate (%) 1,130.00 710.0 400.00 0.00 0.00

0
Money control “Profit and Loss Account of SBI BANK’’ accessed on 2/04/2023
https://www.moneycontrol.com/financials/statebankindia/profit-lossVI/SBI#SBI
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