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Presented by:

Anamika Prasad
Roll no: 16202219

Under the guidance of:

Prof. Dr. Sumita Mishra Mr. M. K. Patra


Area Coordinator, OB and HRM & Chief Manager
Doctoral Programme Chairperson
(Faculty Guide) (Corporate Guide)
01 INTRODUCTION 05 ACHIEVEMENTS
Background of the company
Background of the project
TABLE OF CONTENTS

02 PROJECT OBJECTIVES 06 KEY LEARNINGS

03 PROJECT DESIGN AND


METHODOLOGY 07 - RECOMMENDATIONS
Action Plan
Rationale
Limitations of the Project

04 PROJECT FINDINGS AND 08 - CONCLUSION


ANALYSIS
A good bank is not only financial heart of the community, but
also one with an obligation of helping in every possible manner
to improve the economic conditions of the common people A.
Subba Rao Pai

FOUNDER SIGNIFICANT
MILESTONES
Shri A. Subba Rao
Pai In 2007 Retained Number One
position in Aggregate Business
among Nationalized Banks.

MISSION VISION
To provide quality services with
enhanced customer orientation, To emerge a Best practices Bank by
higher value creation for stakeholders pursuing global benchmarks in
and to continue as a responsive profitability, operational efficiency,
corporate social citizen by effectively asset quality, risk management and
blending commercial pursuits with expanding the global reach.
social banking.
Background of the project
Credit Appraisal
WHY IS IT DONE?
STEPS INVOLVED
Assessment of credit need purpose
1

analysis of financial statement and Evaluating Repaying capability


financial ratios of the company 2

Assessment of credit rating and Check past records and


working capital requirement 3 compute sanction limit

submission of required documents 4


Objectives of the project:
To study the process To study a credit
of credit appraisal of 01 02 appraisal report of
Small and Medium a firm engaged in
enterprises. manufacturing of
AAC Blocks.

Learn to work in the Learn to work with


various divisions of 03 04 bank customers and
the bank. explain the
investment options
available at the bank.
Limitations of the Project
No involvement in the banks credit appraisal process
was possible.
All the mutual funds could not be studied
Scope of study
Topics : Credit appraisal
Personal banking and mutual fund
investment
Area: Limited to one branch
WEEKLY SCHEDULE
week
01
Understanding
different types
of Savings
account

Understanding
marketing
techniques with
focus on retail
products
week
02
Understanding
Current
deposits

Lead
generation and
cross selling of 250 SALARY ACCOUNTS
products CROSS SELLING OF PRODUCTS LIKE
Field visits -Pradhan Mantri Jeevan Jyoti Bima Yojana of Rs. 330.00
-Surakhsha Bima Yojna of Rs. 12.00
week
03
Participated in
the daily
activities of the
bank

Understanding
the cash
management
system and
disposal of excess
funds to the
currency chest 04
03 Printed passbooks
02 Calls to the customers for
arrears for locker facility
01 Field visits
Verifying KYC
documents
week
04
Participated in
daily activities
of the bank

Maha-login Day
Week
5& 6
Understanding
the credit
appraisal of SME
Borrowers Profile
Studied the
credit report of a Name of the account : Fast Build Blocks Private
brick Limited
manufacturing
firm Constitution: Private Limited company
Business/Activity- manufacturing of Autoclaved
Aerated Concrete (AAC) Blocks
Established in 2012
Advance since- 1/3/2012
PROPOSAL FOR RENEWAL OF THE OCC LIMIT
Amount Rs 5.00 crs (enhancement from 4crs to 5
crs)
Purpose Working capital
Requirements
Independent Auditors Report
- Proficiency of directors/ Management
- List of directors and their net worth
- Details of securities (Primary, collateral, corporate
- Guarantee, personal guarantee)
- Production facilities
- Valuation of asset
- Physical verification of stock
CERSAI ID
CIBIL Report
Certification regarding documentation, coverage of risk
Performance and financial
indicators Analysis
Net sales increased from 559.71 to 1209.13
Odisha Govt. in their Gazette Notification has notified that in all their Govt. offices only fly
ash bricks will be used. Further the company is supplying AAC blocks to private builders
operating profit from -123.41 to 125.53
Raising the sales revenues has increased the operating income.
Tangible net worth from 980.28 to 113.12 and is estimated to be 1215.5 in 2017 because
liability increased
Total term liability/ Total net worth from 1.1 to 1.31 a ratio greater than 1 should be
avoided, it means that the creditors have greater stake in business than the owners
current ratio from 0.59 to 1.23
Generally, 1.5 to 3% is healthy. This means that the current assets exceeds current liability
Debt equity ratio from 1.1 to 1.31
A debt ratio for 1.0 means a company funds its projects with an even mix of debt and equity.
a lower percentage means that a company is using less leverage and has a stronger equity
position.
Achievements
Successfully convinced 14 customers, 12 for investing in
Cap Pro mutual fund, amounting to Rs. 80,000 and 2
customers to buy Apollo munich health insurance,
amounting to Rs. 2,00,000.
Key Learning

SKILLS 01

02 INDEPENDENCE

TEAMWORK 03

04 CONFIDENCE

ALL ROUND
05
DEVELOPMENT
Recomendations
Contact numbers of account holders not updated.
Customers KYC documents not updated
Conclusion
Perfect Lead
generation
Customer
oriented
Organized
Good follow up
procedure
Thank You!