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ICICI BANK SBI BANK BANK OF BARODA
Establishment 1994 1806 1908
CEO Ms. CHANDA
KOCCHAR
Smt. Shyamala
Gopinath
Michael Geoghegan
Share Price(Rs.)
(21/4/11)
1117.25 2860.10 978.45
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NET INT
INCOME 2006 2007 2008 2009 2010
SBI BANK 15635.64 16054.21 17021.23 20873.14 23671.44
ICICI BANK 4187.05 6635.79 7304.1 8366.62 8114.36
BANK OFBARODA
3224.91 3786.08 3911.81 5123.41 5939.48
It is the difference between revenues generated by interest-bearing assets and the cost of servicing (interest-burdened)
liabilities.
In Rs. Crore
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Depending on a bank's specific assets and liabilities , NII may be more or lesssensitive to changes in interest rates. If the bank's liabilities reprice faster than
its assets, then it is said to be "liability-sensitive." Further, the bank is asset-
sensitive if its liabilities reprice more slowly than its assets in a changing
interest-rate environment
0
5000
10000
15000
20000
25000
2006 2007 2008 2009 2010
SBI BANK ICICI BANK BANK OF BARODA
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0.0020,000.0040,000.0060,000.0080,000.00
100,000.00120,000.00
Mar '06 Mar '07 Mar '08 Mar '09 Mar '10
ICICI SBI BOB
0
100000
200000
300000400000
500000
2006 2007 2008 2009 2010
ICICI SBI In Rs. CroreIn Rs. Crore
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DPS(Rs) 2006 2007 2008 2009 2010
SBI BANK 14 14 21.5 29 30
ICICI BANK 8.5 10 11 11 12
BANK OF
BARODA5 6 8 9 15
Dividend per share (DPS) is the total dividends paid out
over an entire year (including interim dividends but notincluding special dividends) divided by the number ofoutstanding ordinary shares issued.
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In common practice, even after distributing the preference dividend theremaining profit is not distributed to shareholders. Instead, after retaining a
portion of it, companies declare dividend in terms of percentage of paid up
capital. Thus, equity shareholders are interested what they are actually going
to receive in their hands.
0
5
10
15
20
25
30
35
2006 2007 2008 2009 2010
ICICI BANK
BANK OFBARODA
SBI
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RETURN ON
NETWORTH(%)
2006 2007 2008 2009 2010
SBI BANK 15.94 14.5 13.72 15.74 13.89
ICICI BANK 14.33 13.17 8.94 7.58 7.79
BANK OFBARODA
10.54 11.86 12.99 17.35 20.24
Return on net worth signifies the net profit received as per the networth of the Company which includes share capital and reserves.
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0
5
10
15
20
25
2006 2007 2008 2009 2010
SBI BANK
ICICI BANK
BANK OFBARODA
RETURN ON NET WORTH SHOWS THE AMOUNT OF NET PROFIT AS
A PERCENTAGE OF NET WORTH OF THE COMPANY WHICH
INCLUDES SHARE CAPITAL (BOTH PREFERENCE AND EQUITY) AND
RESERVES. HIGHER IT IS, BETTER IT IS FROM THE POINT OF VIEW
OF THE SHAREHOLDERS
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INT EXP/INTEARNED(%)
2006 2007 2008 2009 2010
SBI BANK 56.32 59.35 65.23 67.28 66.66
ICICI BANK 69.62 71.14 76.28 73.09 68.44
BANK OFBARODA
54.58 58.9 66.89 66.05 64.43
INTEREST EXPENDED/INTEREST EARNED IS THE RATIO OF
INTEREST PAID BY THE BANK TO THE INTEREST EARNED BY THE
BANK.
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0
10
2030
40
50
60
7080
90
2006 2007 2008 2009 2010
SBI BANK
ICICI BANK
BANK OFBARODA
ITS SIGNIFICANCE IS THAT LOWER IT IS, BETTER IT IS FOR THEBANKS AS THEY IMPLY LOWER COSTS AND HIGHER PROFITS
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OPERATINGEXP/TOTALINCOME(%)
2006 2007 2008 2009 2010
SBI BANK 28.37 28.19 24.13 22.91 27.61
ICICI BANK 25.86 28.87 26 26.22 29.05
BANK OFBARODA 34.02 25.68 22.7 20.88 22.53
The operating expense ratio also known as the OER is the ratio
between the total operating expenses and the effective gross
income for an income producing property. Operating expenses
are costs associated with the operation and maintenance of
income producing properties.
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The operating expense ratio shows the percentage of aproperty's income that is being used to pay
maintenance and operational expenses.
0
5
10
15
20
25
30
35
40
2006 2007 2008 2009 2010
SBI BANK
ICICI BANKBANK OF BARODA
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CAPITALADEQUACYRATIO(%)
2006 2007 2008 2009 2010
SBI BANK 11.88 12.34 13.47 14.25 13.39
ICICIBANK
13.35 11.69 13.97 15.53 19.41
BANK OFBARODA
13.65 11.8 12.91 14.05 14.36
Capital adequacy ratio is the ratio which determines the
capacity of a bank in terms of meeting the time liabilitiesand other risk such as credit risk, market risk, operational
risk, and others. It is a measure of how much capital is used
to support the banks' risk assets.
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Banking regulators in most countries define and monitor CAR toprotect depositors, thereby maintaining confidence in the banking
system.
0
5
10
15
20
25
2006 2007 2008 2009 2010
SBI BANK
ICICI BANK
BANK OF BARODA
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A Presentation by:-
Manik Lakhani
Lakshay PandhiNikhil Issar