ASSIGNMENT

INTRODUCTION- STATE BANK OF INDIA

State Bank of India (SBI) is the largest banking and financial services company in India by revenue, assets and market capitalisation. It is a state-owned corporation with its headquarters in Mumbai, Maharashtra. As of March 2012, it had assets of US$360 billion and 14,119 branches, including 173 foreign offices in 37 countries across the globe. Including the branches that belong to its associate banks, SBI has 21,500 branches. SBI is a regional banking behemoth and is one of the largest financial institutions in the world. It has a market share among Indian commercial banks of about 20% in deposits and loans. The State Bank of India is the 29th most reputed company in the world according to Forbes. Also, SBI is the only bank featured in the coveted "top 10 brands of India" list in an annual survey conducted by Brand Finance and The Economic Times in 2010.

Tata Consultancy Services and TCS BaNCs Tata Consultancy Services, headquartered in Mumbai, India, is one of the world's largest technology companies with particular expertise in systems integration and business processoutsourcing. The company has more than 130,000 employees located in 42 countries and achievedrevenues of $5.7 billion in fiscal 2008. The BaNCS system is based on service-oriented architecture (SOA) and is platform and databaseindependent. The contract for the initial project was completed in May 2002; 3,300 branches were to beconverted by mid-2007. The conversion effort began in August 2003, when SBI converted three pilot branches to theBaNCS system. The successful conversion and operation of the pilot branches was followed by the conversion of 350 retail branches with high-net-worth customers between August 2003 and September 2004.

The key indicators for our study are: 1. 2. 3. 4. 5. Total Income Operating Expenses Employee Cost Selling and Admin Expenses Net Profits

CATEGORY Total Income Operating expenses Employee Cost Selling and Admin Expenses Net Profit

2000 (in cr) 25,770.25 6,295.17 4,477.87 754.02 2,051.55

2010 (in cr) 85,962.07 24,941.01 12,754.65 7,898.23 9,166.05

RATIO 3.336 39.894 2.848 10.475 4.468

Conclusion: 1. Because of the rigorous expansion plans the profits have increased 4.5 times approximately though, there has been nearly 39.9% increase in the operating cost. 2. The total income of has increased 3.336 times. 3. Although the operating expenses have shown a drastic increase the employee cost has been increased only by 2.8%. This shows that the huge expansion did not affect the employee cost to a great extent. 4. Even the Administrative expenses have increased by only 10.5% nearly. Thus, we can say, profits may be increased largely by expanding further, but at the cost of increased operating cost/expenses.