ICTACT Journal on Management Studies

S. Subalakshmi ¹, S. Grahalakshmi ¹, M. Manikandan ²

Affiliations
1 Department of Commerce, Standard Fireworks Rajaratnam College for Women, IN
2 Department of Commerce, Ayya Nadar Janaki Ammal College, IN

Abstract

SBI is the India’s largest commercial bank in terms of assets, deposits and employees. SBI is the preferred banker for most of public sector corporations. It occupies a unique place in the Indian money market as it commands more than one third of India’s bank resources. Public has enormous faith in State bank of India because of its dedicated services. This study aims at analyzing the Financial Ratio analysis of State Bank of India. The main objective for commercial bank is to maximize the value of profit. To do so, banks concentrate on their financial performance analysis and attempt to structure their portfolios in order to maximize their return. The most popular tool/technique for analyzing the Financial Statement of Bank is Ratio Analysis. Ratio analysis enables the management of banks to identify the causes of the changes in their advances, income, deposits, expenditure, profits and profitability over the period of time and thus helps in pinpointing the direction of action required for increasing the deposits, income, advances and reducing the expenditure and for altering the profitability prospects of the banks in future. Therefore the study was undertaken to analyze financial status of public sector bank especially to SBI (State Bank of India).

Keywords

Commercial Bank, SBI, Public Sector Corporations, Financial Status.

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