ABSTRACT
This chapter analyses the financial performance of State Bank of India (SBI), as a public sector bank, and Industrial Credit and Investment Corporation of India (ICICI) Bank, as a private sector enterprise, on comparative basis. Capital adequacy ratio (CAR) is capital to risk weighted assets ratio which signifies the risk exposure of the bank. Its minimum limit is 9 per cent, as prescribed by the Reserve Bank of India (RBI) for scheduled banks. In current and savings account ratio (CASA), SBI scores better than ICICI Bank. The return on equity (ROE) for SBI has been greater than ICICI Bank's for the period of 2008-09 and 2009-10. SBI's investments have increased continuously over the last five years (2005-06 to 2009-10) as compared to ICICI Bank, whose investments remained almost flat. For both SBI and ICICI Bank, the earnings per share (EPS) has been moving upwards. In the regard of non-performing assets (NPA) SBI fares better than ICICI Bank.
