...Project report on credit appraisal in banks pdf A PROJECT REPORT ON CREDIT APPRAISAL - Free download as Word Doc.doc.docx, PDF File.pdf, Text file.txt or read online for free. CREDIT POLICY OF COMMERCIAL BANK y Commercial banks and its. As the credit appraisal is one of the crucial areas for any bank, some of the. Credit risk management state bank of india project report mba.Keywords: Credit Appraisal, MSME, NPA, Lakshmi Vilas Bank. 2-05, Requirements for the Appraisal Report 10252011. They report that 41 financial ratios are considered important, given citation in one more of. The bank must bring more transparency in appraisal of the project there should be.Project on hdfc read may be help ful to you pdf Download. Hii there,i need a report on credit appraisal process in a bank.if anyone have any resource. 1 of 2: P4812.pdf. Credit appraisal or project planning must be viewed as a process of. Once the SEM, on the basis of its evaluation of the flash report, decides that the project justifies a detail appraisal, it nominates lead financial institutions.Project Credit appraisal is done by banks or financial institutions by. Internal Circulars of the bank Research papers, power point presentations and PDF files.Credit Appraisal at Allahabad bank can be categorized under 3 heads. A detailed project report covering marketability and Techno-economic feasibility in.technical viability of the project proposed its funding pattern. Credit appraisal means an investigationassessment...
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...List of e-Lessons Mandatory for TO 2014 Batch Sr. No. 1. 2. 3. 4. 5. 6. 7. 8. 9. Lesson ID L0017 L0015 L0016 L0070 L0286 L0287 L0151 L0438 L0439 Name of the e-Lesson Time Management Business Values and Ethics Communication Banking Ombudsman RTI Act - I RTI Act - II Basics of Banking KYC, AML & CFT Part - I KYC, AML & CFT Part - II Fair Banking Practices Priority Sector Lending Financial Inclusion Agri Credit Process – Pre Sanction Agri Credit Process – Post Sanction Home Loans – Pre Sanction Inspection Housing Loan ( Regular Schemes) Housing Loan Others ( NRI Home Loan, SBI Yuva Home Loan, SBI Home Equity Housing Loan Others ( SBI Maxgain, SBI Realty, Loan for Earnest Money Deposit Education Loan - SBI Student Loan Scheme Education Loan - SBI Scholar Loan Scheme Auto Loans Part - I Auto Loans Part - II Personal Loan Liability Central Processing Centre ( LCPC) Retail Assets Central Processing Centre ( RACPC) Green Channel Counter Small and Medium Enterprises City Credit Centre (SMECC) Stressed Assets Resolution Centre ( SARC) 7 6 4 3 2 1 Month 10. L0060 11. L0132 12. L0124 13. L0227 14. L0278 15. L0298 16. L0034 17. L0302 18. L0300 19. L0422 20. L0423 21. L0431 22. L0432 23. L0062 24. L0006 25. L0008 26. L0229 27. L0010 28. L0011 5 Sr. No. Lesson ID Name of the e-Lesson Trade Finance Central Processing Centre ( TFCPC) Short Term Agri Products Crop Loans Basics of Financing Agriculture ( Krishi Gyan) Self Help Group Farm Mechanisation Farm Mechanisation Other than...
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...Organizational Analysis Report Raghavendra Satwik - PGPEX 32/9 Rohan Gupta - PGPEX 35/9 Upendra Pisupati - PGPEX 50/9 Table of Contents Objective ....................................................................................................................................................... 3 Company Background ................................................................................................................................... 3 History ....................................................................................................................................................... 3 Operations ................................................................................................................................................ 4 Technology ................................................................................................................................................ 4 Management Team ................................................................................................................................... 5 Products & Services .................................................................................................................................. 6 External Environment ................................................................................................................................... 7 Organizational Culture .........................................................................
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...Project Appraisal Larsen & Toubro Breakthrough Project The Coimbatore Bypass Road Project The Coimbatore Bypass was the first road project to be implemented in South India on BOT1 (build, operate and transfer) basis. The project was a pioneering initiative, which incorporated private sector participation and levy of toll on users to ensure sustainability in the long run. The road ran between Neelambur on the Salem side of NH-47 Tamilnadu and in Kerala2, Madukkarai on the Palghat side. The project involved construction of a 28-km long two-lane bypass road, the 32.2m new Athupalam bridge across the river Noyal, the railway overbridge at Chettipalayam Tamilnadu and the maintenance of the old bridge at Athupalam, all in the state of Tamilnadu. Larsen & Toubro (L&T)3was authorized to collect and retain the fee from users of the new and old Athupalam bridges. The bypass was expected to ease the traffic congestion in Coimbatore city, Tamilnadu and the Salem-Cochin national highway running between Tamilnadu and Kerala. The shippers, mostly export oriented units relying on the Cochin port for shipments, were other major beneficiaries as transportation time could be saved using the new road. Construction was started in January 1998 and completed in 22 months time. The Athupalam bridge was opened for traffic in December 1998 and the bypass became operative from January19, 2000. The project cost was about Rs.1.04 bn. The project concession period was for 12 years, and was expected...
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...2010 A Grand Project Report on Credit Risk Management at State Bank of Mysore N. R. Institute of Business Management 23/3/2010 A Grand Project Report on Credit Risk Management at State Bank of Mysore N. R. Institu of Business Manag itute agement A Grand Project Report on rand Credit Risk Manag anagement at State Bank of M k Mysore (IN PARTIAL FULFILLMENT OF PROJECT STUDY COURSE, IN TWO YEARS FULL TIME LMENT O WO YEAR MASTER OF BUSINESS ADMIN SS ADMINISTRATION PROGRAMME OF GUJARAT U UJARAT UNIVERSITY) Submitted To: Prof. Dharmesh Shah hah (Asst. Professor, NRIBM) Submitted By: Subm Sandip A. Makwa (08056) akwana Luv D. Palk (08064) . Palkar Prof. Viral Pandya (Asst. Professor, NRIBM) (Batch: 2008-10) N. R. Institu of Business Management nstitute ent CERTIFICATE This is to certify that Mr. Sa ndip A. Makwa wana (08056) and Mr. Luv D. Palk alkar (08064 ) students of N.R.Institute of Business Management has successf te essfully completed their grand project on “Credit Risk Management at State Bank of Mysore” “Credit Mysore” Ba in partial fulfillment o two years Master of Business Administration of s A Programme of Gujarat University. This is their original wor and has not t U work been submitted elsewhere ere. _________________________ Dr. Hitesh Ruparel Director In-charge, NRIBM _____________________________ Prof. Dharmesh Shah Asst. Professor, NRIBM & Internal Project Guide ______________ _______________________ Prof. Vir Pandya...
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...Evolution The origins of the State Bank of India can be traced back two hundred years to the establishment of the Bank of Calcutta. The keen interest shown by the directors of the bank in maintaining records found an echo in 1975 when R.K. Talwar, a former chairman of the State Bank, commissioned an account of the bank's evolution from its earliest days. Banking in those days was a far cry from what it is today-an unbiased, uniform system that has led to increased purchasing power across classes. At the time, even though the rupee was the unifying currency, there also existed a confusing array of coinage whose value could vary by the region. Besides the cowrie-sea shells brought in from the Maldives-were the sicca, the Arcot rupee, notes issued by various banks and copper, silver and gold coins that the British tried to introduce as a standard coinage. Only the wealthy Indians and the Europeans had any use for bank notes-for the greater part of the population even the lowly copper coin had a purchasing power beyond their day-to-day needs. Rates of interest, while regulated for the banks to a maximum of 12 per cent, were exorbitant for the peasants, labourers and artisans with 50 per cent being fairly standard. The organizational set-up had its own share of anomalies, with salaries far lower for Indians than Europeans. The highest an Indian could aspire to was the position of khazanchee, a thankless job whose responsibility was equal to that of the secretary and treasurer...
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...Report On “FACTORING VS FORFEITING” Submitted by Payal Pasad A-22 Vaishali pise A-23 Rupalika Sarkar B-30 Asiya Shaikh B-32 For subject Banking and Insurance [pic] Aruna Manharlal Shah Institute of Management and Research Ghatkopar [W], Mumbai-86 2012-13 TABLE OF CONTENTS |Chapter 1 |FACTORING | | |1.1 |Overview: Factoring |3 | |1.2 |Factoring Services |3 | |1.3 |Factoring functions |3 | |1.4 |Funding process |3 | |1.5 |Types of Factoring services |4 | |1.6 |Two factor system of factoring |4 | |1.7 |Benefits of factoring |5 | | | | | |Chapter 2 |FORFEITING | | |2.1 ...
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...A PROJECT REPORT ON ANALYSIS OF MERCHANT BANKING IN INDIA SUBMITTED TO:Ms. Kavya Saini Submitted by:Kapil Baheti MBA 08/1808 2010 2012 A PROJECT REPORT ON ANALYSIS OF MERCHANT BANKING IN INDIA Department of commerce, kurukshetra University Kurukshetra ( Haryana) Under The Supervision Of :Mrs. Kavya Saini Submitted by:Kapil Baheti ] A PROJECT REPORT ON ³ANALYSIS OF MERCHANT BANKING IN INDIA´ Under The Supervision Of: - Submitted by:- Mrs. Kavya mam Kapil Baheti SUBMITTED TO:- International School of Infomatics & Management CONTENTS Sr.No. Page No. y y y y Chapter I Preface Guide Certificate Declaration Acknowledgement Introduction (Conceptual Framework) y y y y y Chapter II Chapter III Introduction Significance of the study Merchant Banking in India Focus of the Study Conceptualization literature Review Objective &Methodology y y y y Objective of the study Research design Sample size & Technique Data collection (Primary & Secondary) Chapter IV Data Presentation & Analysis Chapter V Implications & Conclusions Chapter VI Bibliography PREFACE The research studies are of a great help in enhancing the knowledge of a person. Practical knowledge is a suffix to theoretical knowledge. Classroom lecturers clarify the fundamental concepts of management. But classroom lectures must be correlated with the practical research situation. It is...
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...A RESEARCH PROPOSAL ON “CUSTOMERS’ PERCEPTION RELATED TO CREDIT APPRAISAL POLICIES AND PRACTICES OF SELECTED BANK LOANS IN U.T. OF DADRA AND NAGAR HAVELI’’ Submitted to Post Graduate Department of Business Studies Sardar Patel University VallabhVidyanagar Submitted by Dipankar Prajapati Asst. Professor at SSR College of ACS, Silvassa U.T. of Dadra and Nagar Haveli. INTRODUCTION__________________________________________________ BANKING SYSTEM IN INDIA Banking is believed to have existed in the most crude form in India, as early as Vedic period. Money lending was common practice in India, with the ancient people. The Puranas and Smritis mention about money changing and money lending. Manusmriti contains reference regarding deposits, pledges, policy on loans and rates of interest. Kautiliya’s Arthashastra also speaks extensively on banking practices in ancient India. The banking system of a country occupies a pivotal role in functioning and development of a country’s economy. In fact, it lies at the core of money market and also plays a complementary role in supporting the capital market. It is necessary to remember that the structure of the banking and financial system of any country is neither created at one stroke, nor is it permanent for all times to come. The fact of the matter is that various institution get evolved over a period of time, either through the trial and error method adopted by the people or at the instance of government. ...
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...A PROJECT REPORT ON STRATEGIC MANAGEMENT. SUBMITTED TO : NIILM-CMS SUBMITTED BY: SIDDHARTH ATMARAMANI PGDM (2010-2012) ROLL NO. 2010169 UNDER THE GUIDIANCE OF: MS.RITU SRIVASTAVA ANSWER 3 : OPERATIONAL EFFICIENCY OR STRATEGY For a company to be successful it is required for it to be flexible enough to adapt to the changing economic conditions. They must outbeat their own benchmarks continuously to achieve best practices. For example regarding axis bank : Profit after tax up 34.76% to `3,388.49 crores Net interest income up 31.14% to `6,562.99 crores Fee & other income up 32.39% to `4,135.16 crores Deposits up 33.93% to `189,237.80 crores Demand deposits up 17.78% to `77,767.40 crores Advances up 36.48% to `142,407.83 crores Retail assets up 33.32% to `27,759.23 crores Network of branches and extension counters increased from 983 to 1,390 Total number of atms went up from 4,293 to 6,270 Net npa ratio as a percentage of net customer assets down to 0.26% from 0.36% Earnings per share (basic) increased from `65.78 to `82.95 Proposed dividend up from 120% to 140% Capital adequacy ratio stood at 12.65% as against the minimum regulatory norm of 9% And also they must nurture a few core competencies to stay ahead of rivals. Eg. Rivals can quickly copy any market position and competitive advantage is at best temporary. For example, in the banking industry if any bank comes up with a new product or scheme or merges up with other or introduces cost cutting approaches...
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...14-16 | 6 | Data Collection Method | 16-18 | Chapter 3: Literature Review | | 1 | Welfare | 20 | 2 | Types Of Employee Welfare Schemes | 21 | 3 | Employee Benefits | 22 | 4 | 2012 Employee Benefits: A Research Report By SHRM | 24-26 | 5 | Laws Related To Employee Welfare (Factory Act) | 27 | 6 | Employee Satisfaction | 28 | Chapter- 4: About The Company | | 1 | ICICI Bank | 31-44 | 2 | The State Bank Of India | 45-47 | Chapter 5: Data Analysis And Interpretation | | 1 | Data Analysis | 49 | 2 | Analysis Of The Data Collected From ICIC Bank | 50-65 | 3 | Findings | 66 | Chapter 6: Comparison | | 1 | Employee Benefits By ICICI Bank | 67-69 | 2 | Employee Benefits Provided By SBI Bank | 70-74 | 3 | Comparison between ICICI Bank And SBI Bank | 75 | Conclusion | 76 | Bibliography | 77-78 | CHAPTER -1 INTRODUCTION EMPLOYEE WELFARE Employee/Labor Welfare is a term which must necessarily be elastic, bearing a somewhat different interpretation in one necessary country from another, according to the different social customs, the degree of industrialization and educational level of the workers. Welfare means faring (or) doing...
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...COMPARATIVE PERFORMANCE APPRAISAL OF INDIA’S COMMERCIAL BANKS PRESENTED BY Gurlovleen Kaur ABSTRACT Commercial banks form the most important part of Indian financial landscape in terms of their role in channeling credit to the commercial sector and facilitating the process of financial inclusion. In the era of global competition, performance is the key factor for any subject, especially in banking. The Indian banking industry is made up of the Indian public sector banks and private sector banks. In this project an effort has been made to evaluate the financial performance of commercial banks by using key performance indicators as a benchmark, generally the financial performance of bank is evaluated by working out a number of ratios depending upon the data. This study has made use of five financial parameters ,i.e. ,Capital to Risk Weighted Assets Ratio( CRAR) ,Return on Assets ( ROA), Non Performing Asset (NPA),Net interest Margin (NIM), Profit Per Employee( PPE), as these are generally accepted ratios to evaluate the performance of banks ,in order of their performance. Research plan includes decision on data sources, research approaches, research instrument, sampling plan and contact method. The present study is based on secondary data. The data is collected through various journals, studies, websites and publications of banks. The collected data is analyzed to reach at conclusions regarding the various issues related to performance of commercial banks...
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...COMPARATIVE STUDY OF HOME LOANS OF PNB AND SBI BANK. A dissertation submitted to Department of Management in partial fulfillment of the requirement for the award of degree of BACHELOR OF BUSINESS ADMINISTRATION (HONS.) Submitted by: KOMAL MARWAHA 7020070003 Supervisor: Miss Monika Kanali (lect,lpu) LOVELY PROFESSIONAL UNIVERSITY PHAGWARA 2010 1 TO WHOMSOEVER IT MAY CONCERN This is to certify that the project report titled “Comparative study of home loans of PNB and SBI” carried out by Miss KOMAL MARWAHA, D/o RAJESH MARWAHA has been accomplished under my guidance & supervision as a duly registered BBA(Hons) student of the Department of Management, Lovely Professional University, Phagwara. This project is being submitted by him/her in the partial fulfillment of the requirements for the award of the BBA(Hons) from Lovely Professional University. Her dissertation represents her original work and is worthy of consideration for the award of the degree of BBA(Hons) ___________________________________ (Name & Signature of the Faculty Advisor) Title: ______________________________ Dare: ______________________________ 2 DECLARATION I KOMAL MARWAHA, hereby declare that the work presented herein is genuine work done originally by me and has not been published or submitted elsewhere for the requirement of a degree programme. Any literature, data or works done by others and cited within this dissertation has been given due acknowledgement and listed in...
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...Commercial Bank Management (CBM) Credits: 3 ------------------------------------------------- ------------------------------------------------- Course Instructor: Prof. D N Panigrahi Objectives of the course: The course inputs are designed to accomplish the following objectives. * To help students to understand the role and functions of Commercial Banks, main strategic issues in retail and corporate banking and the risks faced by the Banking Industry in India. * To familiarise the students with the new Banking Practices and Processes including new banking technologies. * To familiarise the students with the legal and regulatory framework for banks in India. * To equip the students with the tools and techniques used in interpreting and evaluating the performance, profitability, productivity, and efficiency of the Commercial Banks. * To equip the students with the in-depth knowledge of Bank Financial Management Process including Treasury, Investment, Asset Liability Management & Risk Management. * To equip the students with the in-depth knowledge and skills in Credit Analysis & Appraisal Processes relating to the banks’ lending decisions like Working Capital Financing, Term Loan & Project Financing, Domestic & International Trade Finance including Export-Import Finance, BG (LG) & LC, Retail Asset Financing like Home Loans, Car Loans, Educational Loans, Gold Loans, Loans ag. Securities, Personal and Credit Card Loans. * To understand...
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...HOME LOAN TAKEOVER OPPORTUNITY AND CHALLENGES Internship Report submitted to SBI in completion of the requirement of Summer Internship at State Bank of India NAME OF THE STUDENT: kushal Shah PROJECT MENTOR/ REPORTING OFFICER AT THE BANK: Mr Kumar APRIL 6th 2013 TO JULY 6th 2013 Acknowledgement I take this opportunity to express my profound gratitude and deep regards to Mr. Bhoir, HR, State Bank of India for giving me the opportunity to take up this project and posing faith in me to fulfill the project I also take this opportunity to express a deep sense of gratitude to Company Mentor Mr. Kumar, Manager State Bank of India, for his cordial support, valuable information and guidance, which helped me in completing this task through various stages. I am obliged to staff members of State Bank of India especially Mr. Saraswat & Ms Warrier, HLST Departement, State Bank of India for the valuable information provided by them in respective fields. I am grateful for their cooperation during the period of my assignment. Lastly, I thank almighty, my parents, brother, sisters and friends for their constant encouragement without which this assignment would not be possible. I am also thankful to all the respondents whose cooperation & support has helped me a lot in collecting necessary information. Kushal Shah Bottom of Form Table of Contents Sr. no | Particulars | Page no | 1 | 1. Introduction 2.1. Profile of Student 2.2. Profile...
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