A PROJECT REPORT

ON
A Comparatively Study of Financial Statements of HDFC Bank & ICICI Bank

A project report submitted

To

University of Mumbai for partial completion of the degree of

Bachelors of Management of Studies

Under the Faculty of Commerce

By

RAHUL RAJKUMAR VARMA

TYBMS

Semester VI

Under the guidance of

Asst.Professor Sameena Sanjania

Dynan Bharti Society | BMS

Affiliated To the University of Mumbai

Vadkun Road, Dahanu West-401602, Dist. Palghar

2022-2023
 Acknowledgement

To list who all have helped me is difficult because they are so numerous and the depth is so enormous.

I would like to acknowledge the following as being idealistic channels and fresh dimensions in the
completion of this project.

I take this opportunity to thank the University of Mumbai for giving me chance to do this project.

I would like to thank my Principal Co-Ordinator Deepa Tanna for providing the necessary facilities
required for completion of this project.

I take this opportunity to thank our Coordinator for her moral support and guidance.

I would also like to express my sincere gratitude towards my project guide Asst.Professor Sameena
Sanjania whose guidance and care made the project successful.

I would like to thank my College Library, for having provided various references books and magazines
related to my project.

Lastly, I would like to thank each and every person who directly or indirectly helped me in the completion
of the project especially my Parents and Peers who supported me throughout my project.
 Declaration by Learner

I the undersigned Mr. RAHUL RAJKUMAR VARMA hereby, declare that the work embodied in this
project work titled A Comparatively Study of Financial Statements of HDFC Bank  & ICICI Bank
forms my own contribution to the research work carried out under the guidance of Asst.Professor
Sameena Sanjania is a result of my own research work and has not been previously submitted to any
other University for any other Degree\Diploma to this or any other University.

Wherever reference has been made to previous work of others, it has been clearly indicated as such and
included in the bibliography.

I, here by further declare that all information of this document has been obtained and presented in
accordance with academic rules and ethical conduct.

Name and Signature of the

Certified by

Name and Signature of the Guiding Teacher

This is to certify that Mr. Rahul Varma has worked and duly completed her project work for the degree of
Bachelor of Management Studies under the Faculty of Commerce in the subject of BMS and his project is A
Comparatively Study of Financial Statements of HDFC Bank & ICICI Bank under my supervision.

I further certify that the entire work has been done by the leaner under my guidance and that no part of it has
been submitted previously for any Degree or Diploma of any University.

It is her own work and facts reported by her personal findings and investigations.

Name and Signature of

Guiding Teacher

Date of submission
 Index

Chapter Page
Topic
No. no.
    Acknowledgement
    Declaration by Learner
    Certificate
1 Introduction 1-12
1.1 Profile of HDFC bank 1-2
1.2 Profile of ICICI bank 2-3
1.3 History 4
1.4 Introduction to the Industry 4-5
1.5 Types of Banks 5-6
1.6 Rational of the Study 6-7
 
1.7 Performance of Bank 7
1.8 Information About Financial Statements 7-9
1.9 Financial Growth of HDFC Bank & ICICI Bank in last few years 9-10
1.10 Justification of the Topic 10
1.11 Users of Financial Statements Analysis 10-11
1.12 Financial Products 11-12
2 Research Methodology 13-18
2.1 Research Design 13
2.2 Objective of the Study 13-14
2.3 Scope of the Topic 14
2.4 Source of Data Collection 14-15
  2.5 Limitation of the Study 15
2.6 Financial Analysis 15
2.7 Tools of Financial Analysis 15-16
2.8 Statements of the Problem 17
2.9 Hypothesis 18
3 Review Of Literature 19-26
3.1 Empirical Literature 19-23
  3.2 National Review 24-25
3.3 International Review 25-26
4 Data Analysis, Interpretation & Presentation 27-78
4.1 Gross Profit Ratio 27-28
4.2 Net profit Ratio 28-30
4.3 Return on Total Assets Ratio 30-31
 
4.4 Return on Capital Employed. 31-33
4.5 Balance Sheet 33-49
4.6 Cash flow Statements 50-62
 4.7 Profit & Loss Statement 62-78
5 Conclusion 79-81
  5.1 Discussion & Suggestion 80
  5.2 Major Findings 81
References 82
Bibliography 83
  Annexure 84-87