hetal ppts

8/11/2019 Hetal Ppts.

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ASUMMER INTERNSHIP REPORT

OnRAJKOT NAGARIK SAHAKARI BANK LTD

MULTISTATE SCHEDULED BANKFINANCIAL STATEMENT ANALYSIS

Submitted ToGeetanjali Institute of Management Studies

Institute Code: 766Under The Guidance Of

Prof. Divyang Tiwari(Assistant professor)In Partial Fulfillment of Requirement of

The Award of the Degree ofMaster of Business Administration (M.B.A.)

Offered ByGujarat Technological University

AhmadabadPrepared By:

KACHA HETAL ROHITBHAI M.B.A. (Semester-II/III)

Enrollment no.: 137660592029Academic year

2013-15


2/23

Nagarik Bank Was Established On 5 th October1953 With A Small Capital Of Rs. 4890 AndMembership Of 59 Persons.

Bank celebrating 50 th anniversary on 2003 year.

Bank is enjoying the SCHEDULE BANK statussince 1989.In 2001 bank was registered UNDER MULTI-STATE CO-OPERATIVE SOCIATY ACT.


3/23

Name of the Bank Rajkot Nagarik Sahakari bank

Year of establishment 5 th October 1953

Form of organization Multistate Schedule Bank

Branches 32 branches

Accounting Year 1 st April to 31 st March
http://www.lvbank.com/Branch_Locator.aspxhttp://www.lvbank.com/Branch_Locator.aspx


4/23

MISSION

Fully Computerization

Fast Advances

More Co-operative

More service Availability

To increase the use of newtechnology

Satisfy the customer needs andwants

To cope up with the competition

VISION'0' Non Performing Assets.

Branch opening at every stateof India.

Online internet connectionwith every branch.

Achieve the level of corporategovernance.

Fully ISO certified bank.

Deposits 100% Recovery


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LoansTerm LoansEducation loansSecured loansPersonal LoansVehicle LoansHome LoansRUDA (Rajkot Urbandevelopment authority )loansComputer loan

Industrial loanEquipment or machinery loanGold loanBank Guarantee

Deposits:Current DepositsSaving DepositsTerm Deposits

Recurring Deposits

Other services Locker SystemATM facilitySMS facility


6/23

The RNSB getting best social project award in 2012

"SOCIAL BANKING NATIONAL AWARD"

"BANKING FRONTIER" a leading financial magazineconferred two awards for "INCOME RATIO" and

"DEPOSIT RATIO".


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Main serviceTransferClearingCashLoanFixed deposits

Other servicesLocker facilityDemand draftDepository service Demat

RTGS(Real time grosssettlement )NEFT ( National electronicfund transfer)OBC( Out ward bill of

collection)ABB(Any branch banking)


8/23

I use the secondary data collection for the research.

Financial statement analysis it has various tools asfollows:

1. Comparative statement2. Common sized statement3. Tread analysis4. Ratio analysis


9/23

To know over how the bank is working.

The objective of the study is to analysis of the financialdata by which we known about the position of the bankin compare to past year.

Financial planning, financial control, & financial analysisis getting by the research.

Formation of an appropriate capital structure.

Assets-liability management


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LITERATURE REVIEWBollen 1999) Conducted a study on Ratio Variables on which he found three differentuses of ratio variables in aggregate data analysis: (1) as measures oftheoretical concepts, (2) as a means to control an extraneous factor, and(3) as a correction for heteroscedasticity. In the use of ratios as indicesof concepts, a problem can arise if it is regressed on other indices orvariables that contain a common component. For example, therelationship between two per capita measures may be confounded withthe common population component in each variable. Regarding thesecond use of ratios, only under exceptional conditions will ratiovariables be a suitable means of controlling an extraneous factor.Finally, the use of ratios to correct for heteroscedasticity is also oftenmisused.Only under special conditions will the common

formforgerssoonwithratiovariables correct for heteroscedasticity. Alternatives to ratios for each of these cases are discussed and evaluated.


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Sergio 1996) from Italy:In a study of non-performing loans in Italy foundevidence that, an increase in the riskiness of loanassets is rooted in a bank's leading policy

adducing to relatively unselective and inadequateassessment of spectral prospects.In the governmental accounting area, Miller andVan Daniker 1999) conducted a survey touncover the changes that have been taken placein government accounting education during thepast five years and those that will likely occurduring the next five years.


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0.00%

2.00%

4.00%

6.00%

8.00%10.00%

12.00%

14.00%

16.00%

18.00%

2008-092009-10

2010-112011-12

2012-13

N

TPOT

R

O

2008-09 2009-10 2010-11 2011-12 2012-13

Ratio 13.44% 12.62% 16.91% 14.71% 12.94%

NET PROFIT RATIO


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0

0.5

1

1.5

2

2.5

3

2008-092009-10

2010-112011-12

2012-13

LQ

DR

O

2008-09 2009-10 2010-11 2011-12 2012-13

RATIO 2.17 1.89 1.75 2.04 2.57

LIQUID RATIO


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2008-09 2009-10 2010-11 2011-12 2012-13

RATIO 0.66 0.45 0.47 0.51 0.55

0

0.1

0.2

0.3

0.4

0.5

0.6

0.7

C

HR

O

CASH RATIO


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0

10

20

3040

50

60

70

2008-092009-10

2010-112011-12

2012-13

E

NN

PRSH

2008-09 2009-10 2010-11 2011-12 2012-13

RATIO 47.26 35.36 48.32 51.54 66.15

EPS


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2008-09 2009-10 2010-11 2011-12 2012-13

Ratio 66.61% 67.98% 70.25% 70.05% 65.29%

62.00%63.00%

64.00%65.00%66.00%67.00%68.00%

69.00%70.00%71.00%

C

HC

DTD

O

TR

O

CASH CREDIT DEPOSIT RATIO


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Ratio

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

2008-092009-10

2010-112011-12

2012-13

RT

NO

EQ

T

C

T

R

O

2008-09 2009-10 2010-11 2011-12 2012-13

Ratio 66.65% 60.94% 85.03% 113.49% 94.15%

Ratio


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In the FY 2008-2009 showing as an increasetendency in liquid ratio. Again in the FY 2012-2013also showing increase the tendency in the ration itsshows the positive effect.

Cash ratios are decreasing in 2 nd & 3 rd years andgrowing up next coming two FY 2011-12 & 2012-13.

Banks liquidity is not good. Because, the cash ratio in

FY 2008-09 is more compare to FY 2012-13.


19/23

Financial efficiency of the bank is very excellent.Because the bank have less or no NPA so, itsindicates positively. It is shows in balance sheet.

FY 2008-09 the credit deposit ratio is 66.61% itis increase in 3 year after that it is decrease it isshow the negative tendency.

Return on equity capital ratio is increase in first 4year and the last year it is decrease.

Net profit is also decrease in last year it isnegative tendency of the bank.


20/23

I would like to conclude that RNSB is having a goodreputation. I have good experience during mytraining period.

I was having a detail study of all departments in thebank. I can say that under the guidance of veryexperienced managers, today this bank is one ofthe most & leading bank in Rajkot city.


21/23

The bank efficiency & smooth going personneldepartment & financial position it is maintaininggood relationship with the industries, debtors,creditors and employee, officers & other.

Thus effective management of bank has very muchperformance us. The overall performance of RNSBis really good & sound position in market. I wish

the bank a delight & bright future .


22/23

Sr.no. Name Of Book Author

1. Marketing Management Philip Kotler

2. Human Resources Management Gargy Dessler & Biju Varkkery

3. Financial Management I M Pandey

4. Cost & Management Accounting Ravi Kishore

Sr.no.1. Annual report

year2009-2010

2. Annual report 2010-2011




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Thank you

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