DISSERTATION REPORT

ON

ANALYSIS OF PERFORMANCE OF BANKING SECTOR

POST REFORM PERIOD

BY
SIDDHARTH SARASWAT
A0101909102
MBA CLASS OF 2011

UNDER THE SUPERVISION OF

DR. ROSY KALRA
ASSISTANT PROFESSOR
DEPARTMENT OF FINANCE AND ACCOUNTS

IN PARTIAL FULFILLMENT OFAWARD OF MASTER OF

BUSINESS ADMINSTRATION

AMITY BUSINESS SCHOOL

AMITY UNIVERSITY UTTAR PRADESH
SECTOR 125, NOIDA - 201303, UTTAR PRADESH, INDIA
2011
 Abstract
Banks are the cornerstone for any economy. They are said to be the financial engineers
for any economic system. the smooth functioning of the banks are the basic necessity for
the better movement of the economy. In order to facilitate this there has been many
reforms that have taken place in our economy. The research work has been aimed at
understanding the impact of reforms over the performance of the banks.

The research has taken into consideration twelve banks and the reforms during the period
of 2001-2009. The banks have been taken from public sector and private sector equally.
The performance of banks have been made on the basis of three parameters: a) Their
financial performance, b) NPA s management by them over the years and c) The
Deposits and Advances of the Banks during this period.

The analysis has been shown with the help of graphs and tables. The interpretation for the
same has also been made. The limitations have also been brought forward in this
research.

The research contains brief introduction about the reforms, the banks taken in the
research. There has also been a description of the research methodology being adopted.
The analysis has been done on all the three parameters discussed above and the
interpretation of the same has also been given there. The recommendations and the
findings on the basis of the same has also been listed in the research.

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 AMITY UNVERSITY UTTAR PRADESH

AMITY BUSINESS SCHOOL

DECLARATION

I, Siddharth Saraswat student of Master of Business Administration from Amity Business

School, Amity University Uttar Pradesh hereby declare that I have completed my
Dissertation on:
“Analysis of Performance of Banking Sector Post Reform Period”

As part of the course requirement.

I further declare that the information presented in this project is true and original to the
best of my knowledge.

Date: Siddharth Saraswat

Enroll. No: A0101909102
Place: MBA Class of 2011

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 AMITY UNIVERSITY UTTAR PRADESH

AMITY BUSINESS SCHOOL

CERIFICATE

I hereby certify that Siddharth Saraswat student of Masters of Business Administration

at Amity Business School, Amity University Uttar Pradesh has completed Dissertation on
“Analysis of Performance of Banking Sector Post Reform Period”, under my
guidance.

Dr. Rosy Kalra

Assistant Professor
Department of Finance and Accounts

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 ACKNOWLEDGEMENT

I want to like express my humble gratitude towards everyone who has helped me in
completing my Dissertation. First of all I would like to thank my parents and GOD who
bear with my irritating behaviour during this time.

I want to thank Dr. Rosy Kalra for helping and guiding me throughout the dissertation
and providing me every insight that was required in completing this dissertation. And I
want to especially thank her for even entertaining my basic and negligent questions and
providing me the support and freedom to do the same.

I want to also thank Mr. Jitendra Kumar for helping me in the analysis and providing me
the required knowledge when it comes to the use of statistical tools and guiding me
through it.

I want to thank Amity Business School for providing me with the opportunity to do such
an extensive work in the field of finance and learn an experience which I shall cherish all
my life.

And last but certainly not the least; I would like to extend my heart felt thanks to my
friends: Simranjeet Singh Saluja, Himanshu Srivastava and Mayank Jain for helping me
in the completion of my dissertation.

Any suggestions are most welcome.

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 Table of Content

Serial Title of the Chapter Page

Number Number

1. Acknowledgement vi

2. Executive Summary vii

3. Introduction 9

4. Company Profile 13

5. Review of Literature 19

6. Research Methodology 26

7. Analysis and Interpretation 30

8. Findings and Recommendations 65

9. Conclusion 71

10. References -

List of Tables
vi
Chapter Table Description of Table Page
Number Number Number

5 5.1 Performance of Oriental Bank of Commerce 31

5.2 Performance of Punjab National Bank 32
5.3 Performance of State Bank of India 32-33
5.4 Performance of ICICI Bank 33
5.5 Performance of Federal Bank 34
5.6 Performance of HDFC Bank 34-35
5.7 Performance of Canara Bank 35
5.8 Performance of Karur Vysya Bank 36
5.9 Performance of Syndicate Bank 37
5.10 Performance of Axis Bank 37-38
5.11 Performance of IndusInd Bank 38
5.12 Performance of Bank of Baroda 39
5.13 ANOVA For Deposits and NPA s of Public Banks 41
5.14 ANOVA For Advances and NPA s of Public Banks 41-42
5.15 ANOVA For Deposits and Advances of Public 42
Banks

5.16 ANOVA For Deposits and NPA s of Private Banks 43

5.17 ANOVA For Advances and NPA s of Private Banks 44

5.18 ANOVA For Deposits and Advances of Private 44-45

Banks
5.19 Analysis of Correlation 46
5.20 Analysis of Coefficient of Variance 47

List of Graphs

vii
Chapter Chart Description of Chart/Graph Page
Number Numbe Number
r
5 5.1 NPA s of Public Sector Banks 49

5.2 NPA s of Private Sector Banks 51

5.3 Deposits of Public Sector Banks 54

5.4 Deposits of Private Sector Banks 56

5.5 Advances of Public Sector Banks 58

5.6 Advances of Private Sector Banks 60

5.7 Comparison of Deposits of Private and Public Banks 62

5.8 Comparison of Advances of Private and Public Banks 63

5.9 Comparison of NPA s of Private and Public Banks 64

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