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A Project Report on Equity Share's Risk and Return Analysis Equity A Project Report On Equity share’s Risk and Return Analysis A Study of Selected Indian Bank’s (In the partial fulfillment of the degree of Master of Business Administration) (2010-2012) SUBMITTED TO: - SUBMITTED BY:- Dr.B.S.Bodla MAHABIR SINGH Prof. USM M.B.A.4thth Semester University School of Management ROLL NO-82 Kurukshetra University Exam.Roll No_________ UNIVERSITY SCHOOL OF MANAGEMENT KURUKSHETRA UNIVERSITY, KURUKSHETRA UNIVERSITY SCHOOL OF MANAGEMENT Ph. No. 01744-238565 KURUKSHETRA UNIVERSITY KURUKSHETRA Ext. No. 2526, 2527 (ESTABLISHED BY THE STATE LEGISLATURE ACT XII OF 1956) e-mail:- [email protected] (“A” GRADE, NACC ACCREDITED) No USOM/11/_________ Dated: ________________ CERTIFICATE This is to certify that Mahabir Singh student of MBA (General) IV Semester, Examination Roll No ____________ has worked under my supervision and guidance on the Research Project titled “Equity share’s Risk and Return Analysis - A Study of Selected Indian Bank’s”. The project is completed in the partial fulfillment of the requirements for the degree of of Master of Business Administration. The matter used in the project is original and authentic to the best of my knowledge. I recommend that the project is fit fforor evaluation. I wish him success in all his future endeavors. Dr. B. S. Bodla Mr.Rajit Verma Professor Asst. Professor USM, KUK USM, KUK 11 DECLARATION thth I MAHABIR SINGH, Roll No.82, MBA (4(4 Semester) student of the University School of Management, Kurukshetra University, Kurukshetra hereby declare that the Research Report entitled “Equity share’s Risk and Return Analysis -- A Study of Selected Indian Bank’s” isis an original work and the same has not been submitted to any other Institute for the awarawardd of any other degree. Mahabir Singh 22 ACKNOWLEDGEMENT The research report is an amamalgamationalgamation of hard work and contribution of experience of eminent personality. I am grateful for the inspiration of many thinkers and for the hand together sources & roots of this wisdom. This research report has been made possible through the direct & indirect co- operation of various people whom I wish to express my thanks and gratitude‟s. First of all I would like to thank the supreme power, the Almighty GOD who is obviously the one who has always directed me to work on the right path of my life at every step. With his grace this project could become a reality. Then I express my sincere gratitude and thanks to Dr. B.S. Bodla for their inspiration and helpful attitude. I am also deeply thankful toto Mr. Rajit Verma for his guidance, regular counseling, keen interest and constant encouragement. Without her guidance, this project would not have a successful end. I owe my sincerely thanks to all my faculty members and the associated staff for their support given to me time to time. Also, I would like to thank all my friends and family members for their support given to me time to time. Finally, with blessings of my parents who are a source of strength and inspiration for me in this endeavor. Mahabir Singh 33 EXECUTIVE SUMMARY Banks in India can be categorized into non-scheduled banks and scheduled banks. Scheduled banks constitute of commercial banks and co-operatco-operativeive banks. The pubpubliclic sector banks which aarere the foundation of the Indian banking system account for more than 78 percent of the total banking industry assets. The regulators have directed to evaluate the performance of this period according to different time period‟s. in the study the data is collected for the one year on the daily basis for analyzing the statistical tools and also implementing the CAPM for evaluating the securities. The BSE index is also taken to eevaluatevaluate the market risk. The risk free rate is taken as 9% because at that time period that rate was prevailing in the market. This report includes various banks as Allahabad Bank, Andhra Bank, UCO, IDBI, Corporation Bank, Union Bank etc. The performance can be evaluated by using descriptive statistics tools, beta, regression and CAPM on the securities of these Banks. The purpose of this report is toto evaluate the risk and return analysis of these with the help of CAPM and to see whiwhichch one is high rate of return also see that which security is more risky and need to revise the portfolio. It primarily aims at learning the various factors tthahatt can help in evaluation process. The first part of the report is about the Introduction to topic and profile of banks that has been undertaken for the study. And in next coming pages the objective and justification of study will come. The third part consists of Research Methodology which includes Sampling, Data Collection, Statistical and Analytical tool, the Excel worksheet and the Limitations of the study and Bibliography. 44 Content Page No. 1.1. Introduction ttoo topic 6-21 Risk 6 Return 7 Company Profile 8-21 2.2. Research Methodology 22-25 Type ooff Research 2233 Research Design 2244 Objective ooff the Study 2244 Scope ooff the Study 2244 Limitation ooff the Study 2255 3.3. Data Analysis and Intraptation 26- 3355 Beta 27-28 Standard Deviation 2299 CAPM 30 CML 31 SML 32 Result ooff CAPM 33-35 4.4. Finding‟s and conclusion 36-38 Finding 37 Conclusion 38 5.5. Bibliography 3399 55 Chapter 1 Introduction To Topic 66 Risk and Return Analysis The dictionary meaning of the risk is the possibility of loss or injury.in risk the probable outcome of all the possible events is listed. Risk consist of two components the systematic and unsystematic. The systematic risk is caused by the external factors to the entire company and also uncontrollable by the company. The systematic risk effect the market as a whole. In the unsystematic risk the factors are specific, unique and related to the particular industry. Risk analysis is the process of defining and analyzing the dangers to individuals, businesses and government agencies posed by potential natural and human-caused adverse events. In the systematic risk the three things are included:d:-- 1.1. Market Risk 2.2. Interest Rate Risk 3.3. Purchasing Power risk. In the unsystematic risk mainly two things are included:uded:-- 1.1. Business Risk 2.2. Financial Risk The risk is mainly denoted as the Beta. Beta describes the relationship between the stock return and market index return. 1.1. Beta = 1 One percent changes in market index return because exactly one percent changes in stock return. It indicates that the stock moves in tandem with the market. 2.2. Beta > 1 Its shows that there is the high systematic risk 77 3.3. Beta < 1 It shows that the low systematic risk. Return In finance rate of return (ROR), also known as return on investment (ROI), rate of profit or or sometimes just return, is the ratio of money gained or lost (whether realized or unrealized) on an investment relative to the amount of money invested. The amount of money gained or lost may be referred to as interest, profit/loss, gain/loss, or net income/loss. The money invested may bebe referred to as the asset, capital, principal, or the cost basis of the investment. ROI is usually expressed as a percentage. With the help of the risk and return formulas analysis we calculate the risk and return of the securities of different banks. Also implementing the CAPM ( Capital Assets Pricing Model) for evaluating the efficient portfolio. I take out the result with the help of MS-EXCEL. In the EXCEL using the formulas in spreadsheet. We also use the CAPM to get the efficient portfolio of the securities. With the help of CAPM we have the security which is giving the highest rate of return. 88 Industry /companies profile Allahabad Bank Allahabad Bank is one of the premier nationalized banks in India. It is also the oldest joint stock bank of India. It was incorporated by a group of Europeans at Allahabad on April 24, 1865. ItIt was the time Indian economy had started shifting towards organized trade and business affairs. After some years in 1920, the P&O Bank brought Allahabad Bank and its headquarters at Kolkata. The Allahabad bank got an entirely new identity when it was nationalized in 1969 along with 13 other banks in India. Since then the Allahabad Bank had a smooth journey towards progress. Today it is one of the leading banks in India with a whooping business of over Rs.1, 00,000 crores. Head Office Allahabad Bank 2, N S Road Kolkata – – 700001 West Bengal Website:Website: www.allahabadbank.comwww.allahabadbank.com Andhra Bank Andhra Bank is an Indian bank based in Hyderabad. The bank was established in the year 1923, and its founder was Dr. Bhogaraju Pattabhi Sitaramayya, a well known freedom fighter. The initial authorized capital of the bank was Rs. 10.00 lacs, while the paid up capital was Rs. 1.00 lac at the time of its registration. Head Office Andhra Bank, 5-9-11, Saifabad, Hyderabad City, Andhra Pradesh - 500 004 Website:Website: http://www.andhrabank.inhttp://www.andhrabank.in.. 99 Bank of Baroda Bank of Baroda is one of the most prominent banks in India, having its total assets as Rs. 1,43,146 Crores as on 31st of March 2007. The bank was founded by Maharaja Sayajirao Gaekwad III (also known as Shrimant Gopalrao Gaekwad), the then Maharaja of Baroda on 20th of July 1908 with a paid capital of Rs. 10 Lacs. From its introduction in a small building of Baroda, the bank has come a long way to achieve its current position as one of the most important banks in India.
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