Shagun Ppt

7/25/2019 Shagun Ppt

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IndustryProfile


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Industry Profile

The origin of the Indian banking industry may betraced to the establishment of the Bank ofBengal in Calcutta (now Kolkata) in 178!

The Indian banking sector consists of " #ublicsector banks$ "% #ri&ate sector banks and 'foreign banks along with 1 regional rural banks(Bs) and more than *%$%%% credit

coo#erati&es!


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Industry Profile

The Indian Banking industry currently worth ss! 81 trillion (+, - 1!1 trillion) and banks arenow utili.ing the latest technologies like internet

and mobile de&ices to carry out transactions andcommunicate with the masses!!

The Banking Industry is e/#ected to recruitabout 8!' million #eo#le as #er the growth rateeach year! 0ay create u# to "% lakh new obs inthe ne/t 231% years!


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CompanyProfile


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Company Profile

An Oerie!

4unab 5ational Bank o#ened for business on 1"6#ril$ 18*2 in the building o##osite the 6rya,ama 0andir in 6narkali in ahore!

The founder of bank was ala a#atrai (18231*"8)!

,ardar ayal ,ingh 0aithia 3 founder of ayal,ingh College and the Tribune9 was the :irst

chairman!


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Company Profile

The bank has o&er $%% branches and o&er 7$*%%6T0sacross 7' cities! It ser&es o&er 8% millioncustomers!

4unab 5ational Bank is one of the Big:our banks of

India$ along with ,tate Bank of India$ ICICI Bank andBank of Baroda!

The bank has been ranked "'8th biggest bank in theworld by the Bankers; 6lmanac!

45B has a banking subsidiary in the +K (45B

International Bank$ with se&en branches in the +K)$as well as branches in


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Company Profile

"ission Banking for the unbanked !

#ISION

To be a Leading Global Bank with Pan India footprints andbecome a household brand in the Indo- Gangetic Plains,providing entire range of financial products and servicesunder one roof!


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Company Profile

Produ$ts

4roducts of 4unab 5ational Bank are =

6griculture Banking$ Cor#orate Banking$

:inancial ser&ices$ International and 5IBanking$ 0icro small and medium enter#risesBanking $4ersonal Banking$ social Banking


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%esear$&

"et&odology


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%esear$& "et&odology

Obje$ties

The obecti&e of the making re#ort is=

To know why 546s are the great challenge to the

4ublic ,ector bank! To know what ste#s are being taken by the Indian

banking sector to reduce the 546s>

To e&aluate the com#arati&e ratios of the

4ublic ,ector Banks with concerned to the 546s!


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%'S'A%C 'SI*N+ escri#ti&e esearch esign

SA"P,' 'SI*N

? Population- Basically the #ersons who are a&ailingthe ser&ices of 4unab national bank are consider as#o#ulation!


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Sample .nit

egion of study is karnal considered as sam#le unit!

Sampling te$&ni/ue

6 #robability sam#ling techni@ue that is sim#le random

sam#lingused!

Sample Si0e

The sam#le si.e for the study was 1%%!


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A1A CO,,'C1ION

4rimary ata 3 Auestionnaire

,econdary ata 3 ebsites

S1A1IS1ICA, 1'CNI2.'

atios


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,I"I1A1IONS O3 1' S1.4

It was critical for me to gather the financial data of thebank so the better e&aluation of the #erformance of thebanks are not #ossible!

,ince the Indian banking sector is so wide so it was not#ossible for me to co&er all the banks of the Indianbanking sector!

,ometime there is wrong res#onse from theres#ondent!


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%esults

Andis$ussion


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%esults and is$ussion

1! Interpretation:53% of the respondents

by friends,

29% of respondents bymarket executiveOny !2% of respondents

by exhibition

rest "% are others#

Options Response Percentag

e

$riends 53 53

arket

&xecutive

29 29

&xhibition

s

!2 !2

Others " "

'ota !(( !((


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hom did you contact first>

Inter#retation=?% by markete/ecuti&e $? by 45B branch and?rest of the7 by others#

Option

s

Respon

se

Percen

tage

arket&xecuti

ve

3( 3(

)*+

+ranch

"3 "3

Others

'ota !(( !((


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Inter#retation=

'2 #eo#les are &isitbank daily$

% #eo#les are &isitbank weekly$

12 #eo#les are &isitbank monthly and

rest of 1% #eo#les are

&isit bank @uatarly!

Option

s

%espon

se

Per$en

tage

aily '2 '2

eekly % %

0onthly 12 12

Auarterl

y

1% 1%

Total 1%% 1%%


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6re you fully aware of bank ser&ices like 6T0s$ netbanking and #hone banking>

Inter#retation

% #eo#le said Desand

'% #eo#le said 5o!

Option

s

Respon

se

Percen

tage

-es "( "(

*o .( .(

'O'/0 !(( !((


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o you think 45B is a safe #lace for yourmoney>

?Inter#retation?7% #eo#le said yes?% #eo#le said 5o

Optio

ns

Respo

nse

Percen

tage

-es ( (

*o 3( 3(

'O'/

0

!(( !((


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o you known about ,6:E6,I 6ct >

Interpretation70% people said yes and

30% people said No

Options Respon

se

Percent

age

-es .( .(

*o "( "(

'O'/0 !(( !((


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Conclusion


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Conclusion

The only #roblem that the 4ublic ,ector Banks arefacing today is the #roblem of non #erforming assets!The non #erforming assets means those assets whichare classified as bad assets which are not #ossibly bereturned back to the banks by the borrowers!

If we analy.e the #ast years data$ we may come to

know that the 546s ha&e increased &ery drasticallyafter "%%1! In 1**7 the gross 546s of the Indianbanking sector was '7$%%crore where as in "%%1 the

figure was $88 and which increased at faster ratein "%% with *'$*%2crore! The 4ublic ,ector Banksin&ol&e its nearly 2% of share in the 546s!


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Recommendations


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Recommendations

(1)Each bank should ha&e its own inde#endent creditrating agency which should e&aluate the financialca#acity of the borrower before than credit facility!

(")The credit rating agency should regularly e&aluate

the financial condition of the clients! (),#ecial accounts should be made of the clients

where monthly loan concentration re#orts should bemade!

(')It is also wise for the banks to carryout s#ecialin&estigati&e audit of all financial and businesstransactions and books of accounts of the borrowercom#any when there is #ossibility of the di&ersion ofthe funds and mismanagement!


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Recommendations

4ro#er training is im#ortant to the staff of the banksat the a##ro#riate le&el with on going #rocess! Thathow they should deal the #roblem of 546s$ and whatcontinues ste#s they should take to reduce the 546s!

illful efault of Bank loans should be made aCriminal Fffence!

5o loan is to be gi&en to a Grou# whose one or theother undertaking has become a efaulter!


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Thank you

Documents

Shagun Ppt