MBFI Assingment

7/29/2019 MBFI Assingment

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MBFI Assignment-1

Liabilities Grouping for three

BanksAxisBank SBI Yes

Share Capital 0.14 0.04 0.36

Total Reserve 9.58 6.27 5.50

Reserve excluding Revaluation Reserve

Statutory Reserve 1.51 2.58 1.04

Revenue & Other Reserves 0.00 1.07 0.00

Capital Reserves 0.28 0.10 0.18


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Submitted to

Prof N.R. Bhusnurmath

Amalgamation Reserve 0.00 0.00 0.00

Profit & Loss Account Balances 2.94 0.00 2.36

General Reserves 0.10 0.00 0.00

Special Reserve 0.00 0.29 0.00

Investment Fluctuation Reserve 0.02 0.00 0.00

Investment Allowance (Utilised) Reserve 0.00 0.00 0.01Reserve excluding Revaluation Reserve 9.58 6.27 5.50

Deposits 74.18 76.79 67.56

Demand Deposits 14.19 7.19 6.73

From Bank 0.86 0.47 0.18

From Other 13.33 6.73 6.55

Savings Deposit 18.73 27.22 6.08

Term Deposits / Fixed Deposits 41.26 42.37 54.76

From Bank 4.44 1.78 4.20

From Other 36.82 40.59 50.56Borrowings 12.91 10.80 21.11

Borrowings From Reserve Bank of India 0.00 0.92 4.94

Borrowings From Other Banks 0.48 0.36 3.11

Borrowings From Others FinancialInstitutions

1.14 0.31 2.50

Borrowings in the form of Bonds /Debentures

3.27 2.35 5.87

Others 3.27 2.35 5.87

Borrowings From Out of India 8.02 6.85 4.70

International banks, institutions andconsortiums

0.00 0.00 0.00

Bonds and notes 0.41 0.22 0.97

Other outside india borrowings 7.61 6.64 3.73

Other Liabilities & Provisions 3.20 6.09 5.47

Bills Payable 1.04 1.26 0.13

Inter-office adjustments 0.00 1.05 0.00

Interest Accrued 0.24 0.85 0.88

Deferred Tax Liabilities 0.00 0.04 0.00

Provision for standard assets 0.29 0.34 0.27

Proposed Dividend 0.29 0.18 0.22

Corporate dividend tax payable 0.00 0.02 0.04

Other Liabilities & Provisions 1.34 2.36 3.93

Total Liabilities 100.00 100.00 100.00


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Submitted by

12P181 Abhinav Mishra

12P194 Chandrachuda Sharma Y

12P223 Shanshank Reddy

12P229 Santosh Garbham

12P234 Siddarth Gupta

1. Yes bank savings deposit percentage(6%) is the lowest among three banks, whereas

SBI has got highest savings deposits of 27%

2. Yes bank term deposits constitute total of 54.56% where as it is 41.26% and 42.37 %

for Axis bank and SBI respectively

3. Borrowings of Yes bank is way above than the other two banks. Whereas most of the

Axis bank borrowings are overseas borrowings

Income and Expenses comparison of three banks

Yes Bank SBI Axis Bank

Interest Earned 8294.00 86.84 119657.10 88.18 27182.57 80.58

Interest/Discount on advances/Bills 5397.07 56.51 90537.10 66.72 19166.24 56.82

Interest on balances with Reserve 16.51 0.17 545.14 0.40 111.26 0.33


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Bank of India and other inter-bank funds

Income on investments 2859.46 29.94 27200.63 20.05 7746.98 22.97

Others 20.96 0.22 1374.23 1.01 158.10 0.47

Other Income 1257.43 13.16 16034.84 11.82 6551.11 19.42

Commission, exchange and

brokerage1076.21 11.27 11483.72 8.46 5025.15 14.90

Profit/(loss) on sale of investments(net)

155.66 1.63 1101.92 0.81 586.30 1.74

Profit/(loss) on revaluation ofinvestments (net)

0.00 0.00 -3.78 0.00 0.00 0.00

Profit/(loss) on sale of land, buildingsand other assets (net)

-0.51 -0.01 -32.72 -0.02 -4.47 -0.01

Profit/(loss) on foreign exchangetransactions (net)

66.67 0.70 1691.62 1.25 664.07 1.97

Income earned from subsidiarycompanies/joint venture

0.00 0.00 715.51 0.53 1.50 0.00

Rent / Lease Income 0.00 0.00 0.55 0.00 0.00 0.00

Dividend Received 0.00 0.00 0.00 0.00 0.00 0.00

Provisions Written Back 0.00 0.00 0.00 0.00 0.00 0.00

Service Fee 0.00 0.00 0.00 0.00 0.00 0.00

Insurance Premium 0.00 0.00 0.00 0.00 0.00 0.00

Miscellaneous income -40.59 -0.42 1078.03 0.79 278.55 0.83

Total Income 9551.43 100.00 135691.94 100.00 33733.68 100.00

II. EXPENDITURE

Interest Expended 6075.21 63.61 75325.80 55.51 17516.31 51.93

Interest on Deposits 0.00 0.00 0.00 0.00 0.00 0.00

Interest on Reserve Bank of

India/inter-bank borrowings 1493.55 15.64 4124.11 3.04 459.62 1.36

Other Interest 0.00 0.00 0.00 0.00 0.00 0.00

Operating Expenses 1334.54 13.97 29284.42 21.58 6914.24 20.50

Operating Profit 2141.69 31081.72 22.91 9303.13 27.58

1. Interest/discount on advances/Bills for SBI is 66.72, whereas for Axis bank and

Yes bank it is around 56%

2. Yes bank Income on investments is highest among the three banks

3. Axis bank income on commissions, exchange and brokerage is the highest

ICICI Securities liabilities grouping

Share Capital 52.43

Reserves & Surplus 28.75

Securities Premium 6.06

Profit & Loss Account Balance 12.22

General Reserves 10.18

Exchange Fluctuation reserve 0.30


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Reserve excluding Revaluation Reserve 28.75

Shareholder's Funds 81.18

Secured Loans 0.00

Unsecured Loans 18.82

Total Foreign Currecny Loans 0.00

Total Debts 18.82

Total Liabilities 100

ICICI Securities income and expenses

Operating Income 100.00

Sale of Shares / Units 0.00

Interest income 0.00

Interest on automobile Loans 0.00

Interest from housing loans 0.00

Interest on Consumer Loans 0.00

Interest on Other Loans 0.00

Interest on Securitisation 0.35

Interest on Deposits 6.00

Income from Investments & Merchant banking 0.00

Income from lending operations 0.00

Income from Other Financial Services 31.54Interest on Bonds / Debentures 0.00

Interest on Trade Finance 0.00

Interest on Corporate Finance 0.00

Income from Bills Discounting 0.00

Other Interest income 1.05

Depository services 0.00

Portfolio management services 0.00

Income from Trading in Securities 0.00

Income from other investments 0.00

Consultancy & syndication fee 0.00

Income from underwritting commission 0.00

Surplus from deployment in Cash mgmt 0.00

Income from of Mutual Funds 0.00

Translation / Actual Exchange Gain 0.00

Dividend income 0.00

Lease Income / Rentals 0.00

Hire purchase / Financing Income 0.00

Brokerages & commissions 60.59Processing fees and other charges 0.00


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Other Operating Income 0.47

Net Sales 100.00

EXPENDITURE :

Increase/Decrease in Stock 0.00

Purchase of Shares / Units 0.00

Employee Cost 38.46

Operating & Establishment Expenses 26.82

Administrations & Other Expenses 10.14

Provisions and Contigencies 4.51

Less: Pre-operative Expenses Capitalised 0.00

Total Expenditure 79.93

Operating Profit (Excl OI) 20.07

Documents

MBFI Assingment