Risk and Return Analysis
FINANCIAL MANAGEMENT – I
RISK AND RETURN ANALYSIS
SUBMITTED TO DR. SUSHMA VISNANI
BY
ABHISHEK DAS
AVANIKANT MISHRA
DAUD QIDWAI
ANKIT TRIPATHI
APURBA PRASAD NATH
CONTRIBUTION
Our project deals with Banking industry. In the project the various banks which are taken into account are Allahabad Bank, Canara Bank, Punjab National Bank,
State Bank of India, and Union Bank of India.
Each of the group members took up each of the bank and did their respective analysis. The banks which were assigned to different group members are as follows: Allahabad Bank by Apurba Prasad Nath
Canara Bank by Avanikant Mishra
Punjab National Bank by Daud Ali Qidwai
State Bank of India by Abhishek Das
Union Bank of India by Ankit Tripathi
2
CONTENTS
INTRODUCTION ________________________________ _________________ 4
ALLAHABAD BANK ________________________________ ______________ 5
CANARA BANK ________________________________ _________________ 10
PUNJAB NATIONAL BANK ________________________________ _______ 16
STATE BANK OF INDIA________________________________ __________ 21
UNION BANK OF INDIA ________________________________ _________ 27
INTER-COMPANY COMPARISION OF RISK AND RETURN _________ 33
CONCLUSION ________________________________ ___________________ 39
3
INTRODUCTION
A bank is
a
financial
institution
and
a
financial
intermediary
that
accepts deposits and channels those deposits into lending activities, either directly by loaning or indirectly through capital markets. Here in the project we are dealing with risk and return analysis of the various banks. According to Financial
Management, Total risk = Systematic risk + Unsystematic risk
Unsystematic risk is the company or industry specific risk that is inherent in each invest ment. It can be removed.
But systematic can’t be removed though it can be minimized. Interest rates, recession and wars all represent sources of systematic risk because they
RISK AND RETURN ANALYSIS
SUBMITTED TO DR. SUSHMA VISNANI
BY
ABHISHEK DAS
AVANIKANT MISHRA
DAUD QIDWAI
ANKIT TRIPATHI
APURBA PRASAD NATH
CONTRIBUTION
Our project deals with Banking industry. In the project the various banks which are taken into account are Allahabad Bank, Canara Bank, Punjab National Bank,
State Bank of India, and Union Bank of India.
Each of the group members took up each of the bank and did their respective analysis. The banks which were assigned to different group members are as follows: Allahabad Bank by Apurba Prasad Nath
Canara Bank by Avanikant Mishra
Punjab National Bank by Daud Ali Qidwai
State Bank of India by Abhishek Das
Union Bank of India by Ankit Tripathi
2
CONTENTS
INTRODUCTION ________________________________ _________________ 4
ALLAHABAD BANK ________________________________ ______________ 5
CANARA BANK ________________________________ _________________ 10
PUNJAB NATIONAL BANK ________________________________ _______ 16
STATE BANK OF INDIA________________________________ __________ 21
UNION BANK OF INDIA ________________________________ _________ 27
INTER-COMPANY COMPARISION OF RISK AND RETURN _________ 33
CONCLUSION ________________________________ ___________________ 39
3
INTRODUCTION
A bank is
a
financial
institution
and
a
financial
intermediary
that
accepts deposits and channels those deposits into lending activities, either directly by loaning or indirectly through capital markets. Here in the project we are dealing with risk and return analysis of the various banks. According to Financial
Management, Total risk = Systematic risk + Unsystematic risk
Unsystematic risk is the company or industry specific risk that is inherent in each invest ment. It can be removed.
But systematic can’t be removed though it can be minimized. Interest rates, recession and wars all represent sources of systematic risk because they