Title of the Project

“ A Study On Financial
Analysis Of Private Sector
Banks: ICICI Bank Axis
Bank HDFC Bank ”
Introduction A bank is a financial institution that is licensed to accept deposits and
provide loans to general public in the form of cash,credit and other
financial transactions. The banking sector in India functions under the
umbrella of Reserve Bank of India(RBI) which is a regulatory body and
facilitates other banks.Banks in India are classified as scheduled,non
scheduled,private sector banks,public sector banks and cooperative
banks.Major breakthroughs in the Indian banking system:
nationalization of banks in 1969 and 1980, emergence of new private
sector banks 1993,digital revolution in Indian banking sector.

Present Banking Scenario:

Indian banking had come a long way since India adopted
reforms path.Today Indian banks are as technology savvy
as their counterparts in developed countries.The
competitive and reform forces have led to emergence of
e banking ,ATM,credit card,mobile banking,etc.
 Review of Literature
Article by Times of India: Profitability of public and private sector banks
It was concluded that public sector banks showed a declining trend whereas private
01 sector profits showed a rapid increase.

Singh and Tandon in their research paper entitled “A study on financial performance
of HDFC and ICICI bank”.It was found that HDFC is performing well and financially
02 sound than ICICI bank.

Garima Choudhary conducted a study on Performance of Private Sector Banks.The

03 study concluded that the private sector banks should focus more on customers and
the services provided to them.

Gaganjot Singh in his study “New Innovations in Banking Industry – A study of new
04 private sector banks” found that the new private sector banks are using better
technology and are offering better services to the customers.

Geeta(2020) in her study on performance of HDFC,ICICI,Axis bank concluded that the

05 performance of HDFC bank was most excellent followed by ICICI and Axis bank.

Statement of Problem
The study mainly focuses on the
banking sector and is entirely
focused on performance evaluation
of private sector banks:ICICI
bank,HDFC bank,Axis bank.It
explores and compares the
financial performance of the three
private sector banks and suggest
different solutions to improve their
performance and profitability.
Objective of Study
Research ▪To analyse the financial
performance of
Methodology ICICI,HDFC,Axis bank.
Research Methodology ▪To give suitable
is a way of explaining recommendations for
how a researcher improvement of
intends to carry out
performance of selected
their research.It is a
logical systematic plan private sector banks.
to resolve a research
problem. ▪To determine compound
growth of private sector
banks in India.
 Financial Analysis
Data Analysis and
Interpretation

Major heads to be analysed are:

• Total Share Capital •Total Income

•Total Shareholders Fund •Deposits •Total Expenditure

•Total Capital and Liabilities •Net Profit and Loss

•Investments •Capital Adequacy Ratio

•Advances •Net NPA%

•Total Assets
 Conclusion
All the three banks ICICI,HDFC,Axis bank
have performed very well in the past five
years.They have maintained their standards
and profitability as well as providing a
Suggestions
greater customer satisfaction and increasing ● Axis bank should focus on maintaining a high
its share capital in the last five years.The capital adequacy ratio.
major achievement of the banks has been a ● The banks should focus on decreasing the net
tremendous increase in deposits and NPA% by eliminating the loans which have
advances which has always been the main become non functional and not rendering any
objective. interest income to bank.
● Banks can also think for improving its day to day
services to its clients.Such services can be
Bibliography improved by providing prompt service and
showing an attitude of cooperation towards the
● www.moneycontrol.com
● www.economictimes.com clients.
● www.icicibank.com
● www.hdfcbank.com
● www.axisbank.com
● Financial Management by L M Pandey