Beruflich Dokumente
Kultur Dokumente
AT
INDIAN OVERSEAS BANK
GUINDY
CHENNAI
A PROJECT REPORT
Submitted to
SCHOOL OF MANAGEMENT
By
G.MEERA
(35080315)
1
SRM SCHOOL OF MANAGEMENT
Bonafide certificate
...
2
Acknowledgment
I also thank to the administration and faculty of SRM University, for having
required this project from me, as it has provided an invaluable experience to
me.
I am also thankful to my friends who were a moral support for me from the
very beginning of the project in all circumstances.
Last but not the least i thank the Almighty for the successful completion of
this project.
3
TABLE OF CONTENTS
PAGE
S.NO TITLE NO
1. LIST OF TABLES 2
CHAPTER - I
4. INTRODUCTION OF THE PROJECT 5
5. STATEMENT OF THE PROBLEM 5
6. OBJECTIVE OF THE STUDY 7
7. SCOPE OF THE STUDY 8
8. LIMITATIONS OF THE STUDY 8
CHAPTER - II
9. REVIEW OF LITERATURE 10
CHAPTER - III
10. RESEARCH METHODOLOGY 11
CHAPTER - IV
11. INDUSTRY PROFILE 15
12. COMPANY PROFILE 20
CHAPTER - V
13. DATA ANALYSIS & INTERPRETATION 31
CHAPTER - VI
14. FINDINGS 64
15. SUGGESTIONS 70
16. CONCLUSION 72
17. APPENDICES 73
18. BIBLIOGAPHY 82
4
LIST OF TABLES
5
LIST OF CHARTS
6
CHAPTER I
INTRODUCTION
7
INTRODUCTION OF THE PROJECT
The project is basically done to analyze the appraisal process carried out in
the bank and the criterias set by the bank for obtaining loan. As part of the
project, a proposal has been selected and studied fully whether it satisfies all
the criterias of the bank and suggested whether the proposal can be selected
or not by the bank. It has been done by using appropriate FINANCIAL
TOOLS.
Verifying whether all the criterias of the bank has been satisfied by
the company for obtaining the loan from bank and identifying the constraints
if any.
8
engineering, financial etc), then the investment phase, and finally
project evaluation. This is the so-called concept of the project cycle.
Getting the design and operation of appraisal systems right is
important. The proper consideration of each of the key components of
project appraisal is essential. These are,
Need, targeting and objectives
Options
Inputs
Outputs and outcomes
Key issues in appraising projects include the following.
Need, targeting and objectives
9
Outputs and outcomes
Detailed consideration must be given in appraisal to what a project does and
achieves: its outputs and more importantly its longer-term outcomes.
Benefits to neighborhoods and their residents are reflected in the improved
quality of life outcomes (jobs, better housing, safety, health and so on), and
appraisals consider if these are realistic.
10
SCOPE OF THE STUDY
11
RE
REVIEW
W OF
O
LIT
L ERRAT
TUR
REE
Credit Appraisal,
A R Analyysis And Decision
Risk D M
Making by D D
Mukherrjee.
1
12
Banking Strategy, Credit Appraisal and Lending Strategies by
Author(s) : Hrishikesh Bhattacharya
13
CHAPTER - III
RESEARCH
METHODOLOGY
RESEARCH DESIGN
14
(A)Research method
(B)Target population:
The target population in this research refers to any one of the client of
the particular branch of Indian Overseas Bank.
Sampling:
15
(A)Sampling plan:
The sample plan was implemented by seeking help from the bank
officials.
(B)Sampling methodology:
(D)Sample size
The sample size is restricted to studying just one of the client of the branch
of IOB. The client can be from any background- small, medium or large and
also can be a manufacturing, trading or a service organization.
For the purpose of the project, a large manufacturing company was selected.
16
CHAPTER - IV
INDUSTRY PROFILE
17
The development of banking is not only the root but also the result
of the development of the business world." Due to considerable efforts of the
government, today we have a number of banks such as Reserve Bank of
India, State Bank of India, nationalized commercial banks, Industrial Banks
and cooperative banks. Indian Banks contribute a lot to the development of
agriculture, and trade and industrial sectors.
PHASES OF BANKS:
18
INDIAN BANKING SYSTEM
19
PUBLIC SECTOR BANKS IN INDIA
Public sector bank
The term public sector banks are used commonly in India. This refers to
banks that have their shares listed in the stock exchanges NSE and BSE and
also the government of India holds majority stake in these banks.
Allahabad Bank
Andhra Bank
Bank of Baroda
Bank of India
Bank of Maharastra
Canara Bank
Central Bank of India
Corporation Bank
Dena Bank
IDBI Bank
Indian Bank
Indian Overseas Bank
Oriental Bank of Commerce
Punjab & Sind Bank
Punjab National Bank
Syndicate Bank
UCO Bank
Union Bank of India
United Bank of India
Vijaya Bank
20
List of State Bank of India and its subsidiary, a Public Sector Banks
Among the Public Sector Banks in India, United Bank of India is one of the
14 major banks which were nationalised on July 19, 1969. Its predecessor, in
the Public Sector Banks, the United Bank of India Ltd., was formed in 1950
with the amalgamation of four banks viz. Comilla Banking Corporation Ltd.
(1914), Bengal Central Bank Ltd. (1918), Comilla Union Bank Ltd. (1922)
and Hooghly Bank Ltd. (1932).
21
COMPANY PROFILE
22
Indian Overseas Bank
Industry Banking
Capital Markets and
allied industries
Website www.iob.in
23
HISTORY OF INDIAN OVERSEAS BANK
24
ORGANISA
ATION ST
TRUCTU
URE OF IN
NDIAN OV
VERSEAS
S BANK
2
25
BOARD OF DIRECTORS OF INDIAN OVERSEAS BANK
1. Shri.S.A.Bhat
2. Shri.Y.L.Madan
3. Smt.Nupur mitra
4. Dr.Vinita Kumar
5. Smt.Chitra
chandramouliswaran
6. Shri.N.Sridharan
7. Shri.B.V.Appa rao
8. Shri.Suraj khatri
9. Shri.A.k.Bhargava
10. Dr.Chiranjib sen
11. Shri.A.Vellayan
Savings Accounts:
Fixed Deposit:
Recurring Deposit:
Loans:
26
The different type of loans as specified below:
Process of loan
1. Submission of application
2. Primary assessment
5. Lending committee
27
6. Documentation of loan application
7. Disbursement of loan
8. Creation of security
Submission of application
The main & the first step is the submission of the duty
filled form or the loan application it is the choice customer that which
types of application he wants to give depending upon the needs.
Primary assessment
28
state and promoter group, and existing work load of the
institutions.
Lending committee
Example
Loan for more than 10 lac Rs all BOD need to agree for that
particular Loan.
29
The branches have the power to take the major decision on the
sanctioning of the loan if it is less than Rs 1 lack.
Once the Loan is Sanction Banks need to check all the document
of borrower as well as guarantor once again and only than and than they can
proceed ahead.
Disbursement of loan
Creation of security
The term loans (both rupee and foreign currency) and the
differed guarantee assistance provided by the All-India
financial institutions are secured through the first mortgage, by
way of deposit of title deeds of immovable properties and
hypothecation of movable properties.
30
Otherwise the borrower has to pay an additional charge of 1
percent interest
The first step in project analysis is to estimate the potential size of the
market for the product proposal and gets an idea about the market share that
is likely to be capture. Market and demand analysis is concerned with two
broad issues:
31
(b) Technical Analysis
32
Financial Analysis
33
CHAPTER - V
DATA ANALYSIS
&
INTERPRETATION
34
ANALYSIS OF THE PROPOSAL
The following tools are used for analyzing the given Project proposal.
Current ratio
Quick ratio
Proprietary ratio
Debt equity ratio
Gross profit ratio
Net profit ratio
Operating profit ratio
RISK ANALYSIS
35
CASE STUDY
XY COMPANY PROFILE
Since the beginning, the company has been availing credit limits for both
term funding and WC purposes under multiple banking arrangement. The
long term requirement of the bank was met by the bank along with another
reputed bank
The company has been enjoying credit facilities with the bank for the past
ten years. Besides IOB, the company has availed the facility from some of
the other top financial institutions as well.
Purpose of loan:
XY pvt ltd requires a term loan for the expansion and purchase of
machinery as a part of development of the company.
Project profile:
36
Address : SME - GUINDY, CHENNAI
Constitution : NA
Nature of project
XY ltd is considering
The cost of project will be around Rs.4.80 crores which include cost
of installation of new machine and other expenses. The company also
applied for loan to other banks to cover rest of the amount. Loan sanctioned
by IOB is 4.80
37
Any other firm or branch which is presently being run by the partners:
XY Pressure Castings.
XY Accessories Ltd.
Age: 48 years
Cast: Hindu
(2) Mr. Y
Age: 40 years
Cast: Hindu
38
ANALYSIS USING FINANCIAL TOOLS
CAPITAL BUDGETING
39
TABLE 1:-
YEAR CFAT CUMULATIVE
CFAT
2006-07 65.25 65.25
2007-08 49.69 114.94
2008-09 54.60 169.54
2009-10 156.23 325.77
2010-11 255.07 572.53
40
The amount of money gained or lost may be referred to as
interest, profit/loss, gain/loss, or net income/loss. ROI does not
indicate how long an investment is held.
With the help of the ARR, the financial decision maker can decide whether
to accept or reject the investment proposal. The actual ARR would be
compared with a predermined or minimum required rate of return or cut-off
rate.
TABLE 2:-
YEAR PAT
2006-07 25.93
2007-08 16.38
2008-09 30.82
2009-10 108.23
2010-11 145.07
TOTAL 318.07
41
Inference:
This project can be accepted as the actual ARR is higher than the
minimum desired ARR. Here the actual ARR is higher than the cut off
rate that is 5%. So the project should be accepted.
42
the calculation.
TABLE 3 :-
YEAR CFAT PV @ 5% PV OF
CFAT
2006-07 65.25 0.952 62.12
2007-08 49.69 0.907 45.07
2008-09 54.60 0.864 47.17
2009-10 156.23 0.823 128.58
2010-11 255.07 0.784 199.97
Present Value Of Cash Inflow 482.91
Initial Investment 480.00
Net Present value (+)2.91
43
TABLE 4:-
YEAR CFAT PV@6% PV OF PV@4% PV OF
CFAT CFAT
2006-07 65.25 0.943 61.53 0.962 62.77
2007-08 49.69 0.890 44.22 0.925 45.96
2008-09 54.60 0.840 45.86 0.889 48.54
2009-10 156.23 0.792 123.73 0.855 133.58
2010-11 255.07 0.747 190.54 0.822 209.67
TOTAL 465.88 500.52
44
5. PROFITABILITY INDEX:
Profitability index identifies the relationship of investment to payoff
of a proposed project.
Profitability index is a good tool for ranking projects because it allows
you to clearly identify the amount of value created per unit of investment,
thus if you are capital constrained, you wish to invest in those projects which
create value most efficiently first. The project will qualify for acceptance if
the PI exceeds one.
The ratio is calculated as follows:
Inference:
The PI of this project is 1.006 % which is equal to 1. Therefore this
project is feasible and it will create value for the firm so it should be
accepted.
RATIO ANALYSIS
45
A ratio is a quantity that denotes the proportional amount or magnitude of
one quantity relative to another. The ratios show the relationship in the more
meaningful way so as to enable us to draw conclusion from than a single
figure.
CLASSIFICATION OF RATIOS
Ratios serve as a tool for financial analysis and they are classified on the
basis of their function and purpose.
Ratios
Current Proprietary
N.Profit
ratio ratio
Liquidity Debteq
G.Profit
ratio ratio
Cash.Pos. F.Assets
Exp.ratio
ratio ratio
Capgear
Op.Profit
ratio
46
(i) LIQUIDITY RATIOS
1.CURRENT RATIO;
The current ratio is the ratio of the total current liabilities to
total current liabilities.
The ideal C.R. is 2:1.It means that C.A is twice than its C.L and
this is generally considered to have good short-term financial
strength means the company may not have problems meeting its
short-term obligations.
CHART 1:-
CURRENT RATIO
1.4
1.2
RUPEES(%)
1
YEAR
0.8
RUPEES
0.6
0.4
0.2
0
YEAR
47
Inference:
Current ratio, though below the benchmark level, is hovering around
1.20.The CR is fluctuating from 2006-07 but in 2010-11 it is quite high
compared to the previous year, so it shows good capabilities of the firm
in meeting the current obligation. So it suggests that project should be
accepted.
2. QUICK RATIO:
Quick Ratio measures the ability of a company to use its quick assets
to immediately extinguish its current liabilities.
The Ratio less than 1:1 shows the companies condition to be unsound
& the higher ratio shows good financial position.
48
CHART 2:-
QUICK RATIO
1
0.8
% 0.6
0.4
0.2
0
2006- 2007- 2008- 2009- 2010-
07 08 09 10 11
YEAR
Inference:
Here, in all five years, the ratio is nearer to the original standard
that is 1:1. So it is found to be quite satisfactory and it suggests that
project should be accepted.
3. PROPREITORY RATIO:
Total Assets
49
2006-07 = 291.11/1488 = 0.20
2007-08 = 351.40/1442.53 = 0.24
2008-09 = 457.75/1681.59 = 0.27
2009-10 = 599.36/2977.58 = 0.20
2010-11 = 764.42/3709 = 0.21
CHART 3:-
PROPREITORY RATIO
2010-11 2006-07
19% 18%
2009-10 2007-08
18% 21%
2008-09
24%
Inference:
Here in all three years company's Shareholder Fund is less compare to
its total assets. So it is good for the firm and project should be accepted.
50
Alternatively this ratio indicates the relative proportion of debt and
equity in financing the assets of a firm.
0.8
0.7
0.6
0.5
0.4
%
RUPEES
0.3
0.2
0.1
0
2006- 2007- 2008- 2009- 2010-
07 08 09 10 11
YEAR
Inference:
Here in all years the ratios are less than 2:1 so this implies high safety
margin for the creditors and the firm would be able to meet the
creditors claims. So the project should be accepted.
51
5. NET WORKING CAPITAL RATIO:
2006-07 = 176.16%
2007-08 = 140.29%
2008-09 = 264.99%
2009-10 =346.23 %
2010-11 = 554.99%
CHART 5:-
600
400
200
0
2006- 2007- 2008- 2009- 2010-
Inference:
The ratio shows that the company has good working capital in hand to
meet its obligations and it also increasing gradually and hence the
project looks feasible.
52
(ii) PROFITABILITY RATIOS
18
16
14
12
10
%
RUPEES
8
6
4
2
0
2006- 2007- 2008- 2009- 2010-
07 08 09 10 11
YEAR
53
Inference:
In all the above years the GP ratio is fluctuating resulting to instability.
The reason may be due to increase in the cost of goods sold thereby
decreasing the value of the sales.
2. NET PROFIR RATIO:
Profit margin is an indicator of a company's pricing policies and its
ability to control costs.
1.5
0.5
0
2006- 2007- 2008- 2009- 2010-
54
Inference:
Here in all 5 years, ratios are increasing. So this shows the good ability
of firm over control it costs and its profitability so the project should be
accepted.
OPERATING RATIO
3.5
3
2.5
2 RUPEES
%
1.5 YEAR
1
0.5
0
1 2 3 4 5 6
YEAR
55
Inference:
The operating ratio should be low enough to leave a portion of sales to
give a fair return to the investors. Compared to other years 2010-11 is
very high thus decreasing the efficiency of the comapany. The increase
may be due to increase in overhead and other financial charges and the
management should check the increase.
The ratio can also be seen as representing the efficiency with which
capital is being utilised to generate revenue.
The higher the ratio, more efficient use of the capital employed.
Return on capital employed = Net Profit Before Interest & Tax *100
56
CHART 9:-
60
50
40
RUPEES
%
30
20
10
0
2006-07 2007-08 2008-09 2009-10 2010-11
YEAR
Inference:
Here the ratios are increasing in each year so it shows the good
efficiency of capital employed to be used which will generate good
revenue. It means projected loan will generate good revenue for the
firm.
(iii) FINANCIAL RATIOS:
57
CHART 10:
TANGIBLE NETWORTH
800
600
400
200
RUPEES
0
2006- 2007- 2008- 2009- 2010-
07 08 09 10 11
YEAR
Inference:
The net worth of the company is increasing over years and the entire
profit earned by the company is retained to improve the net worth of
the company and hence the proposal should be accepted.
58
CHART 11:-
0.8
0.6
0.4
0.2
0
2006- 2007- 2008- 2009- 2010-
YEAR
Inference:
The ratio has increased in the last two years which is quite high when
comparing to the previous years. Lower the ratio higher the solvency
position of the company. The ratio is not satisfactory and is expected to
decrease in the future.
2006-07 = 0.39%
2007-08 = 0.10%
2008-09 = 0.19%
2009-10 = 0.82%
2010-11 = 0.62%
59
CHART 12:-
FUNDED DEBT/TNW
0.8
0.6
%
0.4
0.2
0
2006-07 2007-08 2008-09 2009-10 2010-11
YEAR
Inference:-
The long term debt and the total outside liabilities are quite low
compared to equity. Hence, the financial position of the unit is good.
2006-07 = 8.64%
2007-08 = -19.68%
2008-09 = 57.97%
2009-10 =134.28%
2010-11 = 19.81%
60
CHART 13:-
150
100
50
-50
2006- 2007- 2008- 2009- 2010-
YEAR
25
20
15
%
10
0
2006-07 2007-08 2008-09 2009-10 2010-11
YEAR
61
6. Net profit after tax/ TNW
2006-07 = 9.40
2007-08 = 4.83
2008-09 = 5.07
2009-10 =19.70
2010-11 = 20.59
CHART 15:-
25
20
15
%
RUPEES
10
0
2006- 2007- 2008- 2009- 2010-
07 08 09 10 11
YEAR
62
Working capital is defined, as the funds required carrying the required levels
of current assets to enable the unit to carry on its operations at the expected
levels uninterruptedly.
Working Capital turnover ratio indicates the velocity of utilization of
net working capital.
The ratio indicates the number of times the working capital is turned
over in the course of the year.
The ratio measures the efficiency with which the working capital is
used by the firm.
TABLE 5:-
63
2.Debtors 886.93 708.55 765.85 1719.0 2300
0
Less: CURRENT
LIABILITIES
64
TOTAL 1088.43 1056.92 1141.83 1927.80 2511.80
18
16
14
12
10
8
RUPEES
6
4
2
0
2006-07 2007-08 2008-09 2009-10 2010-11
year
65
Inference:
The ratio has increased gradually showing effective utilization of
working capital by the company. The companys current assets is more
than that of current liabilities and hence there is less chance of the ratio
to decrease.
(ii) Cash to net working capital = Net sales/ Net Working Capital.
2006-07 = 12.27%
2007-08 = 12.38%
2008-09 =10.35%
2009-10 =18.38%
2010-11 = 13.73%
CHART 17:-
CASH TO NWC
20
18
16
14
12
10 RUPEES
%
8
6
4
2
0
2006-07 2007-08 2008-09 2009-10 2010-11
YEAR
Inference:
The ratio measures the efficiency with which the working capital is used
by the firm. It shows that the company is maintaining the working
capital efficiently.
66
RISK ANALYSIS
Industry SME - 3
Business SME - 2
SME - 3 SME 7
Fiancial
SME 2
Management SME - 3
Overall
Rating
67
CHAPTER - VI
68
CAPITAL BUDGETING
69
RATIO ANALYSIS
(I) LIQUIDITY RATIOS:
70
The ratio shows that the company has good control on the costs and
its profitability as it is increasing over years.
( iv) OPERATING RATIO:
The ratio is increasing thereby decreasing the efficiency of the
company and not favorable to the company.
(v) RETURN ON CAPIATAL EMPLOYED RATIO:
The ratio shows a good utilization of capital employed in the
business and will generate good revenue to the firm.
The profitability ratio shows good result except the GP ratio
which is low and the same is also expected to increase in the
future.
( III) FINANCIAL RATIOS:
( i) TANGIBLE NET WORTH:
The net worth of the company is GOOD as it is increasing over years
and the company is expected to earn good return in the future.
( ii) TOTAL OUTSIDE LIABILITY:
The ratio is not favorable as it is quite high compared to the previous
years but it is expected to decrease in the future.
( iii) FUNDED DEBT:
The proportion of the long term debt is low and hence it is good and
favorable for the company.
The financial ratios shows a positive sign on the financial position
of the company and thus the company is expected to continue the
same in the future. Hence it is suggested to accept the Proposal..
71
WORKING CAPITAL ANALYSIS
Both working capital ratios shows that the company is utilizing the
working capital efficiently in the business.
The current ratio shows that the current assets are more than the
Current liability which will not affect the proportion of Current
ratio.
It enables the bank to sanction more working capital in the future by
considering this criteria.
72
SU
UGGE
EST
TION
NS
73
SUGGESTIONS
The analysis done in this project will give a good idea about the
appraisal system which is done by using various financial tools that
has not been carried on by bank as a part of appraisal process.
74
CONCLUSION
75
CONCLUSION
As per the analysis done the result that has been got is good
enough to justify that this Proposal has all the required
Criterias and Qualities required by the bank. And it is also
expected to give a very good return and value to the company.
76
APPENDICES
Projected Profitability Working For 5 Years
77
Depreciation 39.32 33.31 23.83 48 90
Add: Purchases Finished 0 0 0 0 0
goods
Less: Closing stock finished
goods 83.63 76.42 192.05 19.06 50
Less: Closing stock WIP 66.67 166.56 0 95.3 155
Less: Closing stock RM-
Indigen 129 117.09 282.05 266.83 370
Less: Closing stock RM-
Imported 0 0 0 0 0
Cost of Sales 1811.5 1442.1 2370.79 5561.61 6591.19
Cost of Production 1786.83 1434.89 2319.86 5565.87 6622.13
3.GROSS
PROFIT(+)/LOSS(-) 350.26 294.33 372.28 800.39 1030.81
4. SELLING&
ADMIN.EXP. 259.99 199.83 239.8 475 570
5.INTEREST & FIN
CHARGES 43.46 68.99 102.19 154 210.83
6.OPERATING
PROFIT/LOSS 46.81 25.51 30.29 171.39 256.78
7.(i) OTHER INCOME
Sale of Scrap 0 0 0
Interest received 0.32 1.09 1.45 1 8
78
Profit on sale of FA/INV 0 0 0 0 0
7.(ii)LESS OTHER
EXPENSES
Others 0 0 0 0 0
Total other expenses 0 0 0 0 20
Other Income Net of
Expenses 1.21 3.27 6.39 9 -9
8.PROFIT BEFORE
TAX/LOSS 48.02 28.78 36.68 180.39 241.78
9.INCOME TAX
PROVISION 22.09 12.4 14.22 72.16 96.71
79
DEP&TAX
12.N.P BEFORE DEP .TAX
&INT 130.8 131.08 162.7 382.39 541.81
13.CASH GENERATION 65.25 49.69 46.29 156.23 255.07
14.DIVIDEND 0 0 0 0 0
15.PREFERENCE
DIVIDEND 0 0 0 0 0
16.RETAINED PROFIT 25.93 16.38 22.46 108.23 145.07
17.NET CASH ACCRUAL 65.25 49.69 46.29 156.23 255.07
80
Export Debtors over than 6
months 0 0 0 0 0
Export Debtors less than 6
months 0 0 0 0 0
TOTAL DEBTORS 886.93 708.55 767.85 1719 2300
(iii)OTHER CURRENT
ASSETS
Cash & Bank balance 7.69 31.11 71.36 13.84 11.79
Prepaid Expenses 0.87 0.22 0 0 0
Advance Tax 0 0 0 0 0
Deposits with Exise & Sales
Tax 0 0 0.4 0 0
Loans & Advances 54.57 84.99 93.11 90 100
Others 35.22 12.26 0 70 80
Total Other Current Assets 98.35 128.58 164.87 173.84 191.79
81
Capital Work In Progress 0 0 0 0 0
1.3.NON- CURRENT
ASSETS
(i)Investment in/loans to
subsidies 0 0 0 0 0
(ii)Others Non Current Assets
Investment in other
companies 9.71 9 9 9 9
loans and advances 0 0 0 0 0
Overdue Debtors 10.85 15.92 28.67 10 10
Deposits with EB etc.. 0 0 5.68 0 0
Non- Moving Inventories 0 0 0 0 0
Others 7.93 0 0 0 0
Total Other Non Current
Assets 28.49 24.92 43.35 19 19
TOTAL
ASSETS(a+b+c+d+e) 1488.13 1442.53 1681.59 2977.58 3709.84
82
2.LIABILITIES 2006-07 2007-08 2008-09 2009-10 2010-11
2.1.CURRENT
LIABILITIES Audited Audited Audited Projection Projection
(iv)Creditors On Capital
Account 0 0 0 0 0
SUB-TOTAL(e) 1088.43 1056.92 1141.83 1927.8 2511.8
2.2.DEFERRED
LIABILITIES
(i)Term loan from IOB 0 2.56 0 380.92 344.12
83
(ii)Term loan from institutions 39.29 4.7 9.32 9.5 9.5
(iii)Other long term liabilities 0 0 0 0
Preference shares 0 0 0 0
Long-term loans from other
banks 0 0 0 0
Foreign currency loans 0 0 0 0
NCD borrowings 0 0 42.75 0 0
Others 69.3 26.95 29.94 60 80
Other l.liability take as quasi
equity 0 0 0 0 0
Total other l. term liabilities 69.3 26.95 72.69 60 80
SUB-TOTAL(f) 108.59 34.21 82.01 450.42 433.62
84
BIBLIOGRAPHY
85
NAME OF THE BOOK:
WEBSITES:
Http://en.wikipedia.org/wiki/NPV/IRR/ARR/PI/PB
http://www.banknetindia.com
www.indianimagesbank.com/
www.indianbanksguide.com
en.wikipedia.org/wiki/List_of_banks_in_India
Finance.indiamart.com/investment_in_india/banks.html
en.wikipedia.org/wiki/Banking_in_India
www.mckinsey.com/.../india/mckinseyonindia/.../india_banking_2
010.
86