“FINANCIAL PERFORMANCE OF COMMERCIAL

BANKS”
HSBC

1
 ABSTRACT

Indian banks quit up in a state of affairs of greater tightly direction, international and
residential economic log jam, half-supported changes, decreasing industrial
performance, a drawn out respite in the capital market, increasing rivalry, abundance
liquidity and narrowing show off of development roads. In such a circumstance the
customer's basic to check the contender's contributions as some distance as
imaginitive items and administrations to the client and the cause for customer's
dependability to a specific bank.

In this respects, the extent of the venture covers breaking down the non-public phase
banks in India with unique accentuation on the item portfolio, both company and
retail, assessing the push territories and strategies of these banks, and growing a
approach for HSBC.
The method utilized for the above was auxiliary research backed through imperative
research as conferences of financial institution officers and corporates. The
investigation was confined to the HYDERABAD advertise.
The accompanying personal location banks have been absolutely viewed with the give
up purpose of contention examination.

2
 CHAPTER 1
INTRODUCTION

3
 INTRODUCTION
Monetary phase is the foundation of economy of a nation. It features as a facilitator for
accomplishing supported monetary improvement via giving trained money related
intermediation. A strong cash related framework advances assignment by financing
profitable commercial enterprise openings, getting ready reserve funds, productively
allocatingresources and makes easy the exchange of merchandise and enterprises. A
few investigations (McKinnon, 1973; Levine, 1997)have introduced that the viability of
a money related framework to lessen records and alternate prices assumes a
indispensable phase in deciding the price of funds, speculation choices, mechanical
traits and hence the rate of monetary development. Managing an account has became
into an indispensable element, which renders administration to the conventional
population in money related issues, and its greatness of pastime is broadening step by
means of step. It is a noteworthy cash associated institutional framework in Nepal,
which represented over 70% (Poudel, 2005) of the combination assets of all the
budgetary foundations. A advisable and sound keeping money vicinity is at a finest
factor to undergo hostile surprises and includes overall performance in the cash related
framework (Athanasoglouet al., 2008).A targeted keeping money framework advances
the proficiency and in this way essential for development, but advertise affect is
necessary for energy in the managing an account framework (Northcott,2004). Business
bank holds an extensive offer of economic exercises of a nation. The ability of the
commercial enterprise banks has been elevated in Nepal to guide the increasing need of
the administration section and the financial system with the aid of and giant (Economic
Survey, 2008).Stock market has been ruled with the aid of the commercialbanks
considering that 10 years. Money markets, as well as the enterprise banks have likewise
been huge buyers tothe earnings of the nation. They have been paying alarge measure
of evaluation consistently. Performance evaluation is the imperative approach for
undertakings to supply motivator and restriction to their administrators and it is an
quintessential channel for huge enterprise partners to get the performance data
(Sun,2011). The performance assessment of a commercial enterprise bankis typically
identified with how properly the bank can utilize its advantages, investors' values and
liabilities, incomes.

4
The principle used for the above was discretionary lookup supported through
fundamental research as gatherings of bank officers and corporates. The examination
used to be limited to the HYDERABAD publicize.
7602 Afr. J. Transport. Oversee. costs. The overall performance evaluation of banks is
essential for all gatherings along with contributors, financial specialists, bank
supervisors and controllers. The evaluation of a company's performance usually makes
use of the cash associated ratio technique, because it gives a fundamental depiction
about the company's financial overall performance in correlation with previous
durations and enhances its performance of administration (Lin et al., 2005). Besides,
the ratio investigation helps with figuring out the budgetary position of the financial
institution contrasted with exclusive banks. Monetary ratios in view of CAMEL
Framework are identified with capital, assets, administration, income and liquidity

considerations. Distinctive ratios including capital adequacy ratio (CAR)，non-

performing improve ratio (NPL), pastime price to add up to loans (IETTL), internet
activity area (NIM), deposit to save ratio (CDR), had been assessed to take a look at the
budgetary facts of selected Nepalese enterprise banks for the duration 2005 to 2010.
These ratios would exhibit the country of capital, belongings quality, administration,
prevailing and liquidity position. Budgetary ratio investigation is likewise used to
quantitatively analyze the distinctions in overall performance amongst open section
banks (PVB), joint wander banks (JVB) and household non-public banks (DPB) in
Nepal, and the banks are positioned money related measures and performance for each
bank as a rule for the future sample of monetary function of the banks in Nepal. In this
way, the factor of this examination is to quantify the quality overall performance
among the commercial enterprise banks and to find out the connection between bank
unique factors (Ratios) on the banks' performance. In view of the destinations, the
existing examination looks to take a look at the accompanying theory:

5
 NEED FOR THE STUDY

Indian banks wind up in a situation of more tightly control, worldwide and household
financial stoppage, crazy changes, waning industrial performance, and a delayed respite
in the capital market, expanding rivalry, abundance liquidity and narrowing showcase
of improvement roads. In such a circumstance the client turns into top significance. To
continue to be one up in contention to check the contender's inserting forth as some
distance as creative objects and administration to the patron and the purposes for
customer's reliability to a precise bank.

In this respects, the extent of the assignment covers analyzing the personal phase banks
in India with unusual accentuation on the item portfolio, both corporate and retail,
assessing the push zones and methodologies of these banks, and advancing a approach
for HSBC.

6
 OBJECTIVES OF THE STUDY

To distinguish the clients of these banks in HYDERABAD and spoil down the
advertising channels utilized via extraordinary banks to push their items.
To distinguish and contemplate the quintessential vicinity in India contending with
HSBC bank.
To contrast special saves cash with deference with unique retail items, for example,
retail loans, cards, pay a/c and NRI benefit.

To advance a approach for HSBC financial institution to take after in light of challenge
discoveries.

7
 SCOPE OF PROJECT

• To recognize and examiner a range of division in HYDERABAD contending

with HSBC bank.
• Focus on specific retail items, for example, retail loans, compensation
information and NRI administrations: company items, for example, alternate fund
administrations, far flung trade administrations and working capital returned of these
manages an account with highlights wherever conceivable.
• Compare the banks in regard to every item.
• Attempt to measure the procedure taken after with the aid of each and every
contender bank and its push territories.
• Identify the customers of these banks HYDERABAD. In such manner, inspect
the advertising channels utilized with the aid of different banks to push level item.
• Evolve a system for HSBC bank.

8
 LIMITATIONS

 To distinguish and examine the various area in HYDERABAD rivaling HSBC

bank.
 Focus on particular retail items, for example, retail loans, pay records and NRI
administrations: corporate items, for example, exchange fund administrations,
outside trade administrations and working capital back of these keeps money
with highlights wherever conceivable.
 Compare the banks in regard to every item.
 Attempt to measure the methodology taken after by every contender bank and
its push zones.
 Identify the customers of these banks HYDERABAD. In such manner,
investigate the promoting channels utilized by different banks to push level
item.
 Evolve a system for HSBC bank.

9
 METHODOLOGY
The examination was exploratory in nature with essential information being
gathered however survey and monetary records regulated to an example of 50
respondents. An individual meeting was directed with respondents. A portion of the
surveys were topped off after a little discussion important to the subject of the
investigation. The poll was organized with both open and close-finished inquiries. The
monetary record likewise effectively calculated the different ratios. Investigation,
arrangement and understanding of the information were done in like manner and ends
were drawn. Hence the poll and meeting technique alongside the monetary records
were received with the end goal of research.
AREA OF THE STUDY: HYDERABAD
The data collected for the research was in the form of written as well as verbal
information.
1) PRIMARY DATA- The information about the selected from the discussion with the
customers of bank. For data collection, observation and interview method is used.
Interview of manager can be conduct to get information.
2) SECONDARY DATA- The secondary data was collected from summary reports,
e-mails, circulars, books and an annual report of the organization.
3) Data Analysis- Researcher has selected From Customers and Public from Rural
Areas as a sample for study. In above study.
SOURCES OF DATA
Information we gathered dependent on two sources.
Primary information.
Secondary information.
PRIMARY DATA:
The Primary information are those information's, which are gathered once again and
out of the blue, and in this manner happen to be unique in character.
SECONDARY DATA:
The Secondary information are those which have just been gathered by some other
office and which have just been prepared. The wellsprings of Secondary information
are Annual Reports, perusing Internet, through magazines.

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 CHAPTER-5
DATA ANALYSIS

11
 CREDIT DEPOSIT RATIO:

TABLE 1 - CREDIT DEPOSIT RATIO

(IN PERCENT)
YEAR HSBC ICICI
2014-2015 77.67 85.99
2015-2016 75.97 91.55
2016-2017 73.66 90.05
2017-2018 76.32 87.81
2018-2019 78.60 92.23
MEAN 76.185 89.302
CGR 1.19 8.61
Source: Annual Reports of HSBC and ICICI from 2014-2015 to 2018-2019
FIG. NO. - Credit Deposit Ratio statement

91.55 90.05 87.81 92.23 89.302

100 85.99
77.67 75.97 73.66 76.32 78.6 76.185

50
8.61
1.19
0

HSBC ICICI

INTEREST EXPENSES TO TOTAL EXPENSES:-

Table 1.1 delineates that through the span of five financial times of concentrate the
mean of Credit Deposit Ratio in ICICI was higher (89.302%) than in HSBC (76.185%).
In any case, the Compound Growth Rate in HSBC brings down 1.19% than in ICICI
(8.51%). On the off chance that there ought to be an event of HSBC the credit store
extent was most bewildering in 2015-15 and minimum in 2012.13. In any case, if there
ought to emerge an event of ICICI Credit Deposit Ratio was most essential in 2015-
15and minimum in 2010-11. This demonstrates ICICI Bank has made more advance
resources from its deposits when contrasted with HSBC.

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INTEREST EXPENSES TO TOTAL EXPENSES:-

Interest Expenses to Total Expenses uncovers the costs brought about on enthusiasm
for extent to add up to costs. Banks acknowledges deposits from savers and pay
enthusiasm on these records. This installment of intrigue is known as intrigue costs.
Add up to costs incorporate the sum spent as staff costs, intrigue costs, overhead costs
and other working costs and so forth.
TABLE 1.2:- INTEREST EXPENSES TO TOTAL EXPENSES
(IN PERCENT)
YEAR HSBC ICICI

2014-2015 61.86 66.136

2015-2016 63.27 65.10

2016-2017 61.62 60.71

2017-2018 65.93 60.70

2018-2019 67.90 66.19

MEAN 69.9 66.36

CGR -6.38 -1.56

Source: Annual Reports of HSBC and ICICI from 2014-2015 to 2018-2019.

The table 1.2 demonstrates that the proportion of intrigue costs to add up to costs in
HSBC was exceptionally unstable it expanded from 61.85 for each penny to 63.27 for
every penny amid the period 2010-11 to 2011-12. Thereafter it was diminished till
2013-15 and afterward again expanded to 57.90 for each penny. The proportion of
intrigue costs to add up to costs in ICICI was additionally diminished from 66.135 for
every penny to 65.10 for each penny amid the period 2010-11 to 2011-12. It stay stable
from 2011-12 to 2012-2013 yet Further it was expanded to 65.19 for each penny in
2015-15. It has been discovered that the offer of premium costs in complete costs was
higher if there should be an occurrence of HSBC when contrasted with ICICI, which
demonstrates that individuals liked to put their investment funds in HSBC than ICICI.

13
INTEREST INCOME TO TOTAL INCOME:-
Banks loan cash as credits and advances to the borrowers and get enthusiasm on it.
This receipt of intrigue is called intrigue wage. Add up to salary incorporates intrigue
pay, non-intrigue wage and working wage.

TABLE 1.3:-INTEREST INCOME TO TOTAL INCOME IN HSBC AND ICICI

(IN PERCENT)
YEAR HSBC ICICI

2014-2015 83.89 77.61

2015-2016 83.50 79.29

2016-2017 82.58 77.90

2017-2018 85.59 78.51

2018-2019 88.12 80.92

MEAN 85.59 78.85

CGR 5.05 5.26

Source: Annual Reports of HSBC and ICICI from 2011 to 2016-17.

The table 1.3 speaks to that the proportion of intrigue wage to add up to pay in HSBC
and ICICI both is very steady and unstable throughout the years. The development rate
of HSBC is 5.05 while that of ICICI is 5.26. Hence, the extent of intrigue pay to add up
to wage in HSBC was higher than that of ICICI, which demonstrates that individuals
favored HSBC to take credits and advances.

14
OTHER INCOME TO TOTAL INCOME:
Other Incomes to add up to the total income uncovers the proportionate offer of other
wage in complete pay. Other salary incorporates non intrigue wage and working wage.
Add up to salary incorporates intrigue pay, non intrigue wage and working wage.

TABLE 1.5:-OTHER INCOME TO TOTAL INCOME IN HSBC AND ICICI

(IN PERCENT)
YEAR HSBC ICICI

2014-2015 16.10 22.38

2015-2016 16 20.70

2016-2017 17 22.09

2017-2018 16 21.58

2018-2019 11 19.07

MEAN 15.22 21.55

CGR -51.6 -15.7

Source: Annual Reports of HSBC and ICICI Bank from 2011 to 2016-17

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 OTHER INCOME TO TOTAL INCOME IN HSBC AND ICICI

The table 1.5 demonstrates that the proportion of other salary to add up to wage was
diminished from 16.10 for each penny in 2010-11 to 11.00 for each penny in 2015-15 if
there should arise an occurrence of HSBC. Nonetheless, the offer of other pay in
absolute wage of ICICI was likewise diminished from 22.38 for every penny in 2010-
11 to 19.07 for every penny 2015-15. The table demonstrates that the proportion of
other pay to add up to salary was moderately higher in ICICI (21.55%) when contrasted
with HSBC (15.22%) amid the time of study.

NET PROFIT MARGIN:-

Net Profit Margin uncovers the financial aftereffects of the business movement and
effectiveness of administration in operations. The table 5.8 demonstrates the net profit
margin in HSBC and ICICI amid the Period 2011 to 2016-17.
TABLE-1.5:-NET PROFIT MARGIN IN HSBC AND ICICI
(IN PERCENT)
YEAR HSBC ICICI

2014-2015 12.65 11.81

2015-2016 13.11 11.55

2016-2017 10.55 13.65

2017-2018 8.55 17.52

2018-2019 9.73 17.55

MEAN 10.91 15.37

CGR 23.02 57.7

Source: Annual Reports of HSBC and ICICI from 2011 to 2016-17

16
 FIG. NO.1.5 NET PROFIT MARGIN IN HSBC AND ICICI

NET WORTH RATIO:-

Total assets Ratio is utilized for measuring the general effectiveness of a firm. This
proportion builds up the connection between net profit and the proprietor's assets.
TABLE 1.6 NET WORTH RATIO
(IN PERCENT)
YEAR HSBC ICICI
2014-2015 13.70 8.95
2015-2016 15.75 7.58
2016-2017 13.91 7.79
2017-2018 12.85 9.35
2018-2019 15.36 10.70
MEAN 15.11 8.87
CGR 5.87 19.68
Source: Annual Reports of HSBC and ICICI from 2011 to 2016-17

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 FIG.NO.1.6 NET WORTH RATIO

It is clear from the table 1.6 that the total assets proportion of HSBC was expanded
from 13.70 for every penny to 15.36 for every penny amid 2007-08 to 2011-12, and
diminished in 2012-13 and 2010-2011. While the proportion was expanded from 8.95
for every penny to 10.70 percent in ICICI. The table demonstrated that the total assets
proportion was higher in HSBC (15.11%) when contrasted with ICICI (8.87%) amid
the time of study, which uncovered that HSBC has used its assets all the more
proficiently when contrasted with ICICI.
GROWTH OF PROFIT:-
Net profit Ratio is utilized for measuring the profitability of the firm. It is computed by
partitioning net profit by net deals increased by 100. It builds up the connection
between the net profit and deals.
TABLE 1.7 GROWTH OF PROFIT IN HSBC AND ICICI
(IN CRORES)
YEAR HSBC ICICI

PROFIT % CHANGE PROFIT %

CHANGE
2014-2015 6729 NILL 5157.73 NILL

2015-2016 9121 35.5 3758.13 -9.61

2016-2017 9161 59 5025.98 7.10
2017-2018 8265 -9.8 5151.38 27.9
2018-2019 11707 52 6565.26 25.50
MEAN 8996.6 5711.59
CGR 73.97 55.59

Source: Annual Reports of HSBC and ICICI from 2011 to 2016-17

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FIG.NO.1.7 GROWTH OF PROFIT IN HSBC AND ICICI

The table 1.8 features that the mean estimation of net profit was higher in HSBC (Rs.
8996.6 crores) when contrasted with that in ICICI (Rs. 5711.9 crores) amid the time of
study. Promote the development rate of Net Profits was additionally higher in HSBC
(73.97%) than that in ICICI (55.59%) amid the investigation time frame. The table
likewise demonstrates that the yearly development rate of profit in HSBC was most
astounding in the year 2012-13 and was negative (- 9.8%) in the year 2013-15. In
ICICI, the yearly development rate of profit was most elevated in the year 2013-
15(27.9%) and was negative in the year 2011-12 (- 9.61%).

TOTAL INCOME:-
The total income indicates the rupee value of the income earned during a period. The
higher value of total income represents the efficiency and good performance.

TABLE 1.8 GROWTH IN TOTAL INCOME OF HSBC AND ICICI (IN

CRORES)

YEAR HSBC ICICI

INCOME %CHNAGE INCOME %CHANGE

2014-2015 58358.75 NILL 39667.19 NILL

2015-2016 76579.78 31 39210.31 -1.15

2016-2017 85962.07 12.3 32999.36 -15.8

2017-2018 96329.55 12.06 33082.96 0.25

2018-2019 120872.90 25.5 51550.75 25.2

MEAN 87598.58 37282.115

CGR 107.15 5.59

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Source: Annual Reports of HSBC and ICICI from 2011 to 2016-17.

FIG.NO.1.8 GROWTH IN TOTAL INCOME OF HSBC AND ICICI

The table 1.9 features that the mean estimation of aggregate wage was higher in HSBC
(Rs. 87,598.58 Crores) when contrasted with that in ICICI (Rs. 37282.115 crores) amid
the time of study. However the rate of development with respect to add up to wage was
higher in HSBC (107.15 %) than in ICICI (5.59 %) amid the time of study

TOTAL EXPENDITURE:-

The aggregate use uncovers the proportionate offer of aggregate use spent on the
advancement of staff, intrigue used and different overheads.

TABLE 1.9 TOTAL EXPENDITURE OF HSBC AND ICICI

(IN CRORES)
YEAR HSBC ICICI

EXPENDITURE %CHNAGE EXPENDITURE %CHANGE

2014-2015 51619.622 NILL 35509.57 NILL

2015-2016 67358.55 30.5 35552.17 0.16

2016-2017 76796.02 15.01 28975.37 -18.2

2017-2018 88959.12 15.83 27931.58 -3.59

2018-2019 109186.99 22.73 35985.50 25.25

MEAN 78785.06 32570.61

CGR 111.52 -1.57

Source: Annual Reports of HSBC and ICICI from 2011 to 2016-17.

IG.NO.1.9 TOTAL EXPENDITURE OF HSBC AND ICICI

20
The table 1.10 uncovers that the mean estimation of aggregate use was higher in HSBC
(Rs. 78,785.06 crores) when contrasted with that in ICICI (Rs. 32570.61 crore) amid
the time of study. In any case, the rate of development with respect to use in ICICI was
(- 1.57 %) than that in HSBC (111.52%) amid a similar period. Plainly ICICI is fruitful
in diminishing their aggregate consumption when contrasted with HSBC. The table
likewise features that the yearly development rate of consumption in HSBC was most
elevated (30.05) in the year 2011-12 and was least (15.01) in the year 2012-13. In
ICICI, the yearly development rate of use was negative in the year 2012-13 and 2013-
15 i.e. (- 18.20) and (- 3.59) separately. Subsequently unmistakably ICICI is more
effective when contrasted with HSBC as far as overseeing use.

ADVANCES:-
Advances are the credit office allowed by the bank. At the end of the day it is the sum
obtained by a man from the Bank. It is otherwise called "Credit‟ conceded where the
cash is dispensed and recuperation of which is made later on.

TABLE 1.10- TOTAL ADVANCES OF HSBC AND ICICI

(IN CRORES)

YEAR HSBC ICICI

ADVANCES %CHNAGE ADVANCES %CHANGE
2014-2015
516768.2 NILL 225616.08 NILL
2015-2016
552503.2 30.16 218310.85 -3.25
2016-2017
631915.15 16.58 181205.6 -16.6
2017-2018
756719.55 19.75 216365.9 19.5
2018-2019
867578.89 15.6 253727.66 17.26
MEAN 656578.89 225655
CGR 108.16 12.55

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 FIG.NO.1.10- TOTAL ADVANCES OF HSBC AND ICICI

Table 1.9 presents the mean of Advances of HSBC was higher (656,578.89) when
contrasted with mean of Advances of ICICI (225,655). Rate of development was
likewise higher in HSBC (108.16 %) than in ICICI (12.55%). Table likewise
demonstrates the per penny Change in Advances over the time of 5 years. If there
should be an occurrence of HSBC Advances were ceaselessly expanded (with a
diminishing pattern) over the time of study. However Advances in ICICI were
diminished till 2012-13 yet these were expanded in the ensuing years.

ANALYSIS AND INTERPRETATION

 Where do you have your account?

BANK No of Respondents Percentage

HSBC 20 67
ICICI 10 55

80
70 67

60 55
50
40
30
20
20
10
10
0
No of Respondents Percentage

HSBC ICICI

It shows the maximum numbers of people have their bank account in HSBC and less
number of people has their bank account in ICICI Bank.

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2.Which of the following type banking account do you have?

ACCOUNT TYPE(HSBC) NO OF RESPONDENTS %

CURRENT 10 50
SAVINGS 5 25
JOINT 3 15
LOAN 2 10

ACCOUNT TYPE(ICICI) NO OF RESPONDENTS %

CURRENT 5 50
SAVINGS 2 20
JOINT 3 30
LOAN 1 10

By seeing the graph, we can find that maximum number of people have current account
in HSBC I.e. 50%. Savings account 25%, Joint account 15 %, and loan account 10%.
Whereas in ICICI 50% people have current account, 20 % have saving account, 30%
have joint account and 10 % people have loan account.

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Q3. Does your bank create any recreation facility for the customers?

Response(HS No. of %
BC) customer
YES 17 85
NO 3 15

Response(ICIC No. of %
I) customer
Yes 7 7
0
no 3 3
0

Very little distinction is indicated with respect to recreational offices to the client
between two banks. However HSBC has the main part up until now.
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Q5. Do you think that your bank caters all your banking needs?

RESPONSE(HSBC) NO OF CUSTOMERS %
YES 17 85
NO 3 15

RESPONSE(ICICI) NO OF CUSTOMERS %
YES 8 80
NO 2 20

Very little distinction is indicated with respect to bank caters all you're banking needs
to the client. However HSBC has the main part up until this point.

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Q5. Which bank would you chose regarding transaction?

Bank No.of Respondent Percentage

HSBC 25 76
ICICI 7 25

There is much contrast is indicated in regards to exchange between two banks in this
way HSBC has obviously better than ICICI Bank.

Q6. Which bank has ease of access (both branch and ATM)?

Bank No.of Respondent Percentage

HSBC 17 85
ICICI 3 15

The diagram demonstrates that out of two banks HSBC Bank gives more
straightforward entry with respect to Branch and ATM.

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7. Are you satisfied with the service provided by the bank?

Response (HSBC) No.of Respondent Percentage

Very Satisfied 1 6
Satisfied 17 86
Somewhat Satisfied 1 6

Not Satisfied 1 6

Response (ICICI) No.of Respondent Percentage

Very Satisfied - -
Satisfied 5 51
Somewhat Satisfied 5 51
Not Satisfied 1 11

The chart demonstrates that out of two banks HSBC Bank gives more simple entry with
respect to Branch and ATM.

8. Do they charge unnecessarily for not maintaining minimum balance in your account?
Response(HSBC) No. Of Customers Percentage %
Yes 3 16
No 17 86

Response(ICICI) No. Of Customers Percentage %

Yes 8 81
No 2 21

By observing this chart we can find that the ICICI Bank charge pointlessly for not
keeping up least adjust in your record than HSBC Bank.

26
 CHAPTER-5
FINDINGS SUGGESTIONS &CONCLUSIONS

27
 FINDINGS
The end examination found that the mean of Credit Deposit Ratio in ICICI was
higher (89.302 %) than in HSBC (76.185%). This demonstrates ICICI Bank has made
more credit resources from its deposits when contrasted with HSBC. The offer of
premium costs in absolute costs higher in ICICI (63.36 %) as contrast with HSBC
(59.99 %) and the extent of premium salary to add up to pay was higher if there should
arise an occurrence of HSBC(85.59%) when contrasted with ICICI (78.85%), which
demonstrates that individuals incline toward ICICI to contribute their investment funds
and HSBC to take credits and advances. The ratio of other pay to add up to salary was
generally higher in ICICI (21.55 %) when contrasted with HSBC (15.22 %). The Net
Profit Margin of ICICI is higher (15.37 %) though in HSBC it was (10.99 %), which
demonstrates that ICICI has indicated similarly preferable operational productivity over
HSBC. The development rate of net profit is 73.97% in HSBC which is higher than
ICICI which is 55.59%. This demonstrates HSBC performed well when contrasted with
ICICI. The mean estimation of aggregate salary was higher in HSBC (87,598.58) when
contrasted with that in ICICI (37,282.115). Total assets ratio was likewise higher in
HSBC (15.11 %) than ICICI (8.87 %), which uncovered that HSBC has used its assets
all the more productively when contrasted with ICICI. The mean estimation of
aggregate consumption was higher in HSBC (Rs. 78,785.06 crores) when contrasted
with that in ICICI (Rs.32,570.61) and the consolidated development rate of use was
negative (- 1.57%) on account of ICICI though in HSBC it is 111.52%. Deposits in
HSBC were consistently expanded. However deposits in ICICI were diminished (with a
declining pattern) till 2012-13 yet these were expanded in the consequent years. If there
should arise an occurrence of HSBC Advances were ceaselessly expanded (with a
diminishing pattern) with the joined development rate of (108.16 %), However
Advances in ICICI were diminished (with a declining pattern) till 2012-13 yet these
were expanded from that point with consolidated development rate of (12.55 %). It
demonstrates that ICICI has endured with stores or abstain from giving advances
through 2010-11 to 2012-13. Henceforth, on the premise of the above investigation or
examination banking client has more trust on people in general sector banks when
contrasted with private sector banks.

28
 SUGGESTIONS

 ICICI Bank and HSBC bank needs to enhance its image picture, i.e. it needs to
position itself in the brains of prospects bitterly in correlations with others.

 It ought to give better profession chances to the maintenance of its potential

counselors.

 Further it needs to give preparing to its enrolled consultants by great and

productive preparing techniques, which may be a smidgen modified if necessary.

 It should more stress in promoting, as it is the most capable apparatus to position

subterranean insect mark in the attitudes of clients.

 It ought to give web based preparing and to the individuals who are in occupations
and need to end up consultants ICICI ought to give evening instructional courses,
with the goal that they can join the preparation in the wake of doing there
employments.

29
 CONCLUSIONS

Banking is likewise now being viewed as a flexible financial arranging

instrument. Research shows that Indians have four essential financial needs amid their
life resource amassing, (for example, purchasing a house or auto), ensuring their
family, securing their youngsters' training, and provision for their retirement.
India being a nation having an enormous populace of around one billion individuals
with just 32% of the banking populace in India having banking the nation has an
immense potential, which has been left undiscovered till now.For Banking organization
Banking counsels are the help and an exceptionally gigantic resource so each
organization attempt to enlist and select a potential power of Banking consultants since
this is the counselors who produce greatest business for the Bank . Banking guides
provides.

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 QUESTIONARRIE (Survey on customer’s satisfaction)

The performance of bank additionally relies on the fulfillment level of the clients.
Hence a review was led on the clients of HSBC and ICICI bank utilizing a survey. The
poll is a very much organized of 10 questions led on 30 clients of each bank. Poll is on
the investigation of the correlation of financial performance of HSBC and ICICI bank.

Name:
Occupation:
Address:
Sex :

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Q1. Where do you have your Account?

a. HSBC b. ICICI c. Any other Bank

Q2. Which of the accompanying sort banking account do you have?

a.Current account b. Bank account

a.Joint account d. Advance record

Q3. Does your bank make any recreation facility for the clients?

a.Yes b. No

Q5. Do you believe that your bank provides food all you're banking needs?

a.Yes b. No

Q5. Which bank would you picked with respect to exchange?

a.HSBC b. ICICI

Q6. Which bank has straightforward entry (both branch and ATM)?

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a.HSBC b. ICICI

Q7. Is it true that you are happy with the administration given by the bank?

a.Very fulfilled b. Fulfilled

a.Somewhat satisfied d. Not fulfilled

Q8. Do they charge pointlessly for not keeping up least adjust in your record?

a. Yes b. No

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 REFERENCES:-
 Maheshwari & Maheshwari, Banking Law and Practices, Himalaya Publishing
Pvt Ltd, Allahabad, pp.152.
 Pandey, I.M. Financial Management, Vikas Publishing. House Pvt. Ltd. 2002,
pp. 633.
 Study material, Financial Management Unit 17, IGNOU, New Delhi. pp.6
 Trend and progress of banking, RBI, pp.22-23
 Gaylord A Freeman, “ The Problem of Adequate bank Capital”, quoted by
Howard D. Crosse in his book on Management Policies for Commercial Banks,
pp. 158.
 Development Research Group Study, No. 22, Department of Economic
Analysis and Policy, Reserve Bank of India, Mumbai September 20, 2000.
 Financial year report of HSBC 2007-08 to 2011-12.
 HSBC bulletin publication 2012.
 Financial year report of ICICI Bank 2007-08 to 2011-12.
 ICICI Bank bulletin publication 2012
 RBI statistical table relating to banks 2011-12.

Information Memorandum
 HSBC and ICICI Bank annual report 2007-12.

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