A

Project Report On

“Financial Statement Analysis”

Prepared At
“STATE BANK OF INDIA”
Submitted By

Mr. PRATIK N. KANSARA

T.Y.B.B.A.
(Sem-6 th)

Under the guidance of

Ms. Hetal D. Tandel
(Lecturer, NLCCM)
Submitted To,

Naranlala College of Commerce & Management,

Navsari.

Veer Narmad South Gujarat University, Surat.

2008-2009

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 COLLEGE CERTIFICATE

This is certify that project on Financial

statement analysis of “STATE BANK OF INDIA’’ is
submitted by MR. KANSARA PRATIK N.,T.Y.B.B.A
,ROLL NO 15 to the NARAN LALA COLLEGE OF
COMMERCE & MANAGEMENT ,NAVSARI. In the partial
fulfillment in requirement for the Degree of Bachelor of
Business Administration from “THE VEER NARMAD
SOUTH GUJRAT UNIVERSITY SURAT .”

_________________ ____________________
MS.H.D.Tandel , DR. R.C.GANDHI,
Guidance , DIRECTOR.
NLCCM.

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 Declaration

I undersigned here by declared that this project work

entitled “Financial statement analysis - worked on STATE
BANK OF INDIA” is written & my own work and is
submitted by me to NLCCM, Navsari toward the partial
fulfillment for award BBA in year 2008 – 2009, this is
original report work and report written there in is based on
the knowledge and material gained from the bank. It is not
to submit to any other university or institutions for any
other purpose.

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 ACKNOWLEDGEMENT
“Experience is the best teacher.”Knowledge is one of
the most important tools.Only theoretical knowledge is not
exactly applicable in practical life,from this point of view
industrial training is important & necessary for a management
student .Theoritical knowledge is proved right only often it is
rightly applicable on practical base.

I also thankful to Mr. J.P.Garasia,Assist. Manager

,SBI NAVSARI for providing valuable information
,guidance & consist co-operation through out the training
programmed .

I am also thankful to Dr.R.C.Gandhi, Director of

Naranlala College of Commerce & Management,
Navsari, & Pro. Ms. Hetal .D. Tandel, my project guide,
for giving me an excellent and invaluable guidance
during the course.

MR. PRATIK N. KANSARA

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 SYNOPSIS

This project of “Financial Statement Analysis” of

State Bank of India is based on all financial information about the
bank. The objectives of bank & method of collecting data is clearly
define by this project report on bank.

The project includes the objectives - to study the

Annual report or financial position of the company, to understand the
day-to-day work carry out by the organization, to observe the cash
inflow & outflow,to check the profitability of bank To study the
policy of the bank etc.

.
. The project indicates the primary (direct) method of collection-
as bank’s annual report of previous year,different document prepared
by the bank and from various reference books ,from Indian statistical
year book,from various websites etc.

In short,this project report is the in- depth study of all

kind of “Financial Statements” of the bank which reflects the
past,current & future financial position of the bank.

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 METODOLOGY

Preparing the project report is a research analysis,it involves

the process of collecting data,analyzing data & reporting data for absolute
results.

For the preparation of project report on “Financial Statement

Analysis” of “SBI Bank”.This project report is based on two types of data i.e.
(1)Primary data(2)Secondary data.

1).Primary data:-
Primary data is the data,which has not been collected & used by
somebody else before.In short,Primary data means the data specifically
collected for the project.I have collected data from the managers by asking
question because it is difficult for me to understand the study.

2)Secondary data:-
Secondary data is the data,which is collected from published source.I
have collected data from various sources such as bank’s annual report of
previous year,different document prepared by the bank and from various
reference books also.

After the data collection of both the sources, I have analyzed

the data & conducted various financial ststement analysis & prepared
various graphs.

After analyzing the data,I have derived a conclusion and have

made suggestions based on my analysis.

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 OBJECTIVES OF STUDY

To study the Annual report or financial position of

the company.
 To understand the day-to-day work carry
out by the organization.
To study the bank’s history in brief.
To draw meaningful and constructive measure
based on analysis.
To study the current existing position of SBI Bank’s
whole field.
To observe the cash inflow & outflow.
To check the profitability of bank.
To study the policy of the bank.
To analyse how the bank is managing its current
assets & current liabilities.

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 LIMITATIONS OF STUDY

There is no activity that can be completed without any

limitation.The main limitation faced during the preparation of this
project report on “Financial Statement Analysis”of “SBI” is as
follows:-

 Time available for the completion of the project is very short,

hence much information could not be undertaken.

 The information collected through secondary data.Some of the

information might be wrong.

 The calculation & computation are based on valuable

information given by the bank.

 The report is based on the analysis of the last five years

data,which may not be sufficient in some cases.

 The analysis and conclusion made is as per my limited

understanding for this concerned subject.