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Transcript of Indian Bank PPT.ppt
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SUMMER TRAINING
REPORT ONFINANCIAL ANALYSIS OF
INDIAN BANK
Presented to Presented ByMr. Pankaj Goel Supreet Kaur
BBA - 5 th Sem.Roll No. 1106042
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ACKNOWLEDGEMENT
If words are considered to be signs of gratitudethen let these words convey the very same, mysincere gratitude to Indian Bank for providing me
an opportunity to work with Indian Bank and givingnecessary directions on doing this project to thebest of my abilities.I also thank Mr. Pankaj Goel, who has supportedme with the valuable insights into the completion ofthis project.
Supreet Kaur
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M IN CITY BR NCHES OF INDI N B NK
AGRABANGALORECHENNAIGOAHYDERABADKERALAKOLKATALUDHIANA
MUMBAINEW DELHIPUNE
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SERVICES GIVEN BY THE INDI N B NK
Indian Net banking
Indian Mobile bankingIndian Phone bankingE-Payment of indirect taxesMCA Payment
Indian Jet Remit (RTGS)N E F TCMS PlusMulticity Cheque Facility
Indian Bank Swarna MudraCredit Cards
ATM/Debit CardsDP ServicesIndian Bank Jeevan Kalyan
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OBJECTIVES OF STUDY
To study the financial aspect of the company.To know the different financial schemes ofIndian Bank Ltd.
To analyze the financial performance of thebank for the last four year.To analyze what are the future strategies ormeasures that are takes by the bank to improveits services.To analyze what are the future strategies ormeasures that are taken by the bank to improveits financial performance.
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SCOPE OF THE STUDY
The study of financial analysis andinterpretation of Indian bank in Ludhiana thesoundness and the overall financialperformance of the company over past 4years. The scope of the study also extends tounderstand whether rates analysis is an
efficient in power sectors as it is an analyticaltool measuring growth trend.
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LIMITATIONS
The study is limited to Indian Bank, in Ludhianaonly.The study does not reveal details regarding lowfunds were raised and utilized.The study is limited to calculating financialposition and interpretation.The study is not confirmed to only past 4 yearsfinancial data of the bank.The study concentrated only a financial positionof Indian bank of past 4 years.
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DATA ANALYSIS AND INTERPRETATION
Analysis is the process by which, the wholebody of gathered data, facts, figures andideas, is converted into meaningful andusable information. The data is placed in its appropriate settingsand consistent relationships, drawing generalinferences.
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C SH ND B L NCES
Interpretation:The above table shows that there is an increasein the Cash and Balance with Reserve Bank ofIndia. During the year 2010-11 (9.12%) whencompare to 2008-09 (4.83%), 2009-10 (6.64%)-
0
1
2
3
4
5
6
7
8
9
10
2008-09 2009-10 2010-11 2011-12
4.83
6.64
9.12
7.38
Years
percentage
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INVESTMENTS
The above table shows that there is a slight increasein the total investment during the year 2008-09(39.92%) after 2009-10 (37.18%). There is a slightdecrease on investment. When compare to 2010-11(31.08%) and 2011-12 (27.10%) respectively.
0
5
1015
20
25
30
35
40
2008-09 2009-10 2010-11 2011-12percentage 39.92 37.18 31.08 27.1
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DV NCES
The above table showing that there is anincreases advances of year by year and duringthe year 2011-12 (61.17%) when compare to2008-09 (47.20%), 2009-10 (51.75%) and 2010-11 (56.50%) respectively.
0
20
40
60
80
2008-09 2009-10 2010-11 2011-12
47.2 51.75 56.5 61.17
Years
percentage
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FIXED SSETS
The above table shows that there is a slightincrease in fixed assets during the year 2011-12(1.89%) and 2008-09 (1.08%) when compare to2009-10 (0.98%) and 2010-11 (0.76%)respectively.
0
0.2
0.40.6
0.8
1
1.2
1.4
1.6
1.8
2
2008-09 2009-10 2010-11 2011-12Years
percentage
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PREFERENCE SH RE C PIT L
The above table shows that there is a slightincrease in the preference share capital duringthe year 2009-10 (0.71%), 2010-11 (0.56%) and
2011-12 (0.47%) when compare to 2008-09 arethe nil on preference share capital.
2008-09 2009-10 2010-11 2011-12
0
0.710.56
0.47
Years
percentage
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FINDINGS
Cash and Balance with Reserves Bank of India are4.83% and 6.64% of total assets of the Bank.Balance with banks and money at call and shortnotice are 5.25% and 1.93% of total assets of the
Bank.Investments are 39.92% and 37.18% of total assetsof the Bank.
Advances are 47.20% and 51.75% of total assets ofthe Bank.Fixed assets are 1.08% and 0.98% of total assets ofthe Bank.Other assets are 1.69% and 1.50% of total assets ofthe Bank.
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SUGGESTIONS
Loans and advances are in better position they arethan increasing year to year. It is advisable for thebank has maximizing the loans and advances for thefuture period.
Capital is decreasing year by year. So bank financialperformance is not so good. Hence bank has noprefect future.Reserves and surplus are decreasing year to year.So bank financial performance is so good.The bank has to introduce more and more schemesfor all sections particularly for low income groups.In order to achieve substantial growth of the economyit has to encourage investments.
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CONCLUSION
Indian Bank is one of the well-establishedfinancial institutions accepted by the community.This is the number one service bank in India.This bank Provides better customer service thanother banks. The top management account foronly 1% of work force and remaining staff inbank belong to award staff and supervisory staff
category, right form counter cleric to Manager,everybody should share the collectiveresponsibility of providing best customerservice.
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