Study on loans and advances in banking

A STUDY ON LOANS AND ADVANCES
INTRODUCTION
Finance is the Life-Blood of Industrial System, without finance business cannot run successfully. Sufficient fund at required time is the key of success. In terms of Husband and Dockery, Finance is the agent that directs the flow of economic activity and facilitates its smooth operation.
DEFINITION
Finance function is defined in 3 ways:it is defined as the task of providing funds needed by the enterprise at reasonable terms. According to F.w.paish, Finance may be defined as the provision of the money at time it wanted. Thus, it highlights central core of finance function i.e.., procurement of funds, but to confine it to this aspect is a narrow view. Finance function is a broader function. It is deeply concerned with the economic and erective use of funds. John J. Hampton defined it as, The management of the money flow through an organization.
COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES
Page 1
In the sense, it involves proper custody and authorized utilization of available funds. The third approach with the financial decision making. It is related to procurement of funds and as well as their effective utilization. Howard and Upton opined that Finance may be defined as the administrative functions in an organization may have the means to carry out its objectives satisfactorily. It covers not only financial planning, forecasting, raising finance but optimum use of the funds.
Page 2
THE TERM FINANCE
Finance was studied as part of economics before the turn of the present century. It was only in the early part of the present century when massive consolidation movement took pace that finance can be studied as a corporate discipline. Formation of larger size undertakings by consolidating the smaller ones brought the management the problem of financing of these giant enterprises. Accordingly, overwhelming emphasis was placed on the study source and forms of financing the new industrial giants.
In our present day economy, finance is defined as the provision of money at the time when it is required. Every enterprise whether big, medium or small needs finance to carry its operations and to achieve its target, In fact finance is indispensable today that it is rightly said, it is life blood of an enterprise.
Page 3
The subject of finance has been traditionally classified into 2 classes:
FINANCE ________________________________________
Public finance Private finance
Government Institution States Local Self-Government Central government
Personal finance Business finance Finance Of Non-profit Organization
PUBLIC FINANCE
It deals with requirement, receipts and disbursement of funds in the government institutions like states, local self-government and central government.
Page 4
PRIVATE FINANCE
It is concerned with requirements, receipts and disbursement of funds in case of an individual, a profit seeking organization and a non-profit business organization.
MODERN FINANCE FUNCTION

Modern finance functions can be categorized into two broad groups namely, recurring finance functions and non-recurring or episode finance functions. A. 1. 2. 3. 4. B. Recurring finance function: Planning of finance. Rising of funds. Allocation of funds. Allocation of annual income. Non-recurring functions.
C. BUSINESS FINANCE WITH THE OTHER AREAS OF BUSINESS
Page 5
Financial Statement:
Financial Statements (also known as annual accounts, final accounts, financial reports, published accounts and financial accounts) are the summarized periodical reports which disclose the financial aspects of a business such as the operating results(i.e., indicating) the financial health of a business in terms of profits, positions, and prospects as on certain date. The financial statements are so called because they provide a summary of the financial positions of a business enterprise package of financial statement include at least two basic statements such as: The income statement/ profit and loss accounts. Retained earnings of profit and loss appropriation account. Position statement or balance sheet.
Page 6
All business organization prepares financial statements after every financial year. The financial statements clearly indicate the financial position of the business concern. Published financial statements may be of considerable interest to shareholders, trade organizations, business analyst and many others. Each of these groups may be interest in different aspects of the business concern according to their own purposes. The basis for financial planning, analysis and decision making is the financial information. Financial information is needed to predict, compare and evaluate the firms earning ability. It is also required to aid in economic decision making investment and financing decision making. The financial information of an enterprise is contained in the financial statements or accounting reports. The importance of corporate finance has arising because of the fact that present day business activates are predominantly on a company or corporate form of organization. The advent of corporate enterprises has resulted into:
Page 7
The increase in size and influence of the business enterprise Wide distribution of corporate ownership Separation of ownership and management These factors have increased the importance of finance
BUSINESS FINANCE
Business finance is the activity, which is concerned with the acquisition and conservation of capital funds in meeting the financial requirements and overall objectives of the firm. Business finance deals primarily with rising, Administration and disbursing funds by private owned business units operating in non- financial fields of industry. To sum up in simple words we can say that financial management as practiced by business finance. The financial analysis is the process of analyzing the financial strengths and weaknesses of the firm by properly establishing the relationships between the items of the balance sheet and profit and loss account. It is the study of the performance of the unit and therefore is aimed at financial performance of an individual unit.
Page 8
AIMS OF FINANCE
Acquiring sufficient funds Proper utilization of funds Increasing profitability maximizing firms value Estimating financial requirements Deciding capital structure Selecting a source of finance Selecting a source of finance Selecting a source of investment Proper cash management Implementing financial control Proper use of surplus
Page 9
EVOLUTION OF BUSINESS FINANCE Finance was studied as part of economics before the turn of the present century. In the present country where the massive consolidation movement took place; finance comes to be studied as a corporate discipline. In 1929, finance was study of potentialities of different securities as a source of funds from outside. It also the role of functions of institution agencies as a source of fund in 1930, businessman found that their requirement couldnt be met by banks and financial institutions. In order to meet their requirements they needed to liquidate their inventory, the impact of this improved methods of planning and control. Reorganization of industries during the Post World War II period brought forward the problem of rising large amount of capital for the industries. In the early 50s the U.S economy faced the boom on b usiness activity and at the same time it faced tightening of the money situation. So the company was given to cash flow management.
Page 10
The financial manager was assigner the responsibility of managing cash flow in such a manner those industries had sufficient cash to carry out its objectives and meet its obligation as it become due. In the period of 1960 and 1970, interesting improvements took place in the sphere of business finance. The financial management started about aggregate stock price, the empirical efficiency of business sales, the profitability of institutions investors and the analytical efficiencies of various portfolios selection criteria on new line. Thus the dimension of business finance, which was earlier limited to periodic events, changed in recent years to innovate the study of day-today operation of financial management along with periodic events.
Page 11
INTRODUCTION TO THE STUDY

This project is mainly concerned with a STUDY ON LOANS AND ADVANCES of the KARNATAKA CITY CO-OPERATIVE BANK. The main objective was to study about loans and advances
offered by bank to the customer.

One of the primary functions of the banker is lending. This activity is taken up with the objective of making profit. Although the banks are governed by statues, it can be considered as one of the business organization. They cannot keep the deposits, collected from the public. In fact it is collected with the primary object of lending and making profit out of interest received and paid. Their main business is to deal in money and provide finance to the needy. To help the customers, banks have opened various types of loans and advance. These loans depend on the different schemes according to their needs. This is a study which is related to the loans and advances offered by KARNATAKA CITY CO-OPERATIVE BANK LTD.
Page 12
The success of any loan scheme would very much depend on the personalized services of the staff of the branches of that bank. Integration with rural community, participation in local activities and development of personal relations by bank staff will enable the bank to tap the loan market. The banking industry today facing many challenges, globalization, economic pressures, new technologies like internet, changes in legislation, RBI regulation, government interference and the environment, all contributes to the decision making and strategies. One of the most significant development creating major impact in increased sophistication of customers; they are comparing and negotiating prices and quality, demanding more and dropping previously loyal habits. They are seeking value. Needless to say, customers are the central determining force today for companies. The main business equation is no longer being driven from the internal perspective of producing a product or services and selling it has moved to supplying the individual demands that are more complex and fast changing for more weight has now to be ;laced on customer understanding, customer care and customer relation.
Page 13
Background of the study

Finance
The dimensions of finance have undergone phenomenal
transformation during the last few decades. Until the recent past, finance was considered as an economic activity concerned with procurement of funds for business purpose. And the financial manager was considered as keepers of books and providers of capital needed by the enterprise. Finance was studied as part of economics before the turn of present century. Finance is the life blood of business one cannot runs the business without it. So there are many financial institutions which come forward to run the business to lend finance to run the business. The functions of rising fund, investing them in assets and distributing returns earned from assets to shareholders are respectively known as financial decision. And financial manager is a person who is responsible for carrying out the finance function.
Page 14
Early history of banking

The bank has got history right from the middle ages. As early as 2000 B.C Europeans [Babylonians] were the earlier people who have developed a systemized banking system. The temples of Babylon were used as banks and as such the spread of irreligious act soon destroyed the public sense of security in depositing money and valuables in temples and the priest were no longer acting as financial agents. However the open of civilization, growing necessities forced the issue in the middle of 12 th century and banks collapse of public confidence. Whenever the priest on solidarity was threatened the spread of banking was affected entirely. However after the Revives of civilization and with the development of social and economic institutions, money transactions were also revived. The origin of modern banking may be traced to money dealers in Florence who received money in the form of deposits lend it to business people. As the time, Florence was the center of money market in Europe. In England money changing becomes an important function of bankers during the regin of Edward 3rd.
Page 15
The bank of England started its business in 1984 with a view of finance the government to carry on its work with France. The growth of banking in England in 19th century paved the way for the establishment of systemized banking system in the world. Accepting for the purpose of lending or investment of deposits of money from the public repayable on demand otherwise withdraw is available by cheque, drafts and order or otherwise. Thus the banking institutions accept deposits and create credit with a view to lend and investment.
Meaning of the bank:

A bank is an establishment which makes to individuals such
advances of as May required and safely made and to which individuals entrust money when not required by the for us.
Definition of bank:
The word bank has been derived from the Latin word BANCUS or From BANQUE. Which mean a bench in ENGLISH.
Page 16
INDIAN BANKING INDUSTRY

The Indian banking industry, which is governed by the banking regulations act of India, 1949 can be broadly classified in to two major categories, non schedule bank. Schedule bank comprises commercial banks and the co-operative banks. In terms of ownership, commercial banks can be further grouped into nationalized banks, the state bank of India and the groups banks, regional rural banks and private sector banks. The financial reforms resulted in nationalization of 14 major banks in 1969 and resulted in a shift from the class banking to mass banking. This in turn resulted in a significant growth in the geographical coverage of banks. Everyone had to earmark a minimum percentage of their loan portfolio to sectors identified as priority sectors the manufacturing sector also grew during the 1970s in protected environs and banking sector was critical sources. The next wave of reforms saw the nationalization of 6 more commercial bank in 1980. Since then the number of schedule of commercial banks increased four-fold and the number of bank branches increased eightfold.
Page 17
CLASSIFICATION OF BANKS BASED ON THEIR FUNCTIONS
Commercial bank Investment or industrial bank Co-operative bank Savings bank Central bank
Page 18
Commercial banks
The commercial bank renders an important service by providing a single means of exchange called cheque is considered most developed type of credit. The commercial banks also performs, a large number of agency functions to their customers for which they charge a commission. The various functions are transfer of funds from one place to another through the medium called bank draft, Collecting customers stocks and shares & safe keeping of valuables of their customers.
Investment or industrial bank

Investment banks are those banks which provide funds on long term for industries. The investment banks obtain funds through share capital, debentures and long term deposits from the public. Exchange makes international payment through the purchase and sale of exchange bills. They cover the home currency and vice versa.
Page 19
Co-operative banks
In the words of HENNERY WOLLS Co-operative banking is an agency with in a position to deal with a small means on its own terms, accepting the security he has and without drawing the protection of rich. Devine defines A mutual society formed, composed and governed by working people themselves for encouraging regular saving and generation of miniature loans easy terms of interest and repayment. Co-operative banks are prompted to meet the banking requirement of customers not only in urban areas but also in rural areas. They provide short and medium term loans. They are more service oriented than profit. They are also supported by reserve bank of India. Anywhere between 50%-60% of the working capital of the co-operative banks are contributed by the reserve bank.
Page 20
Savings bank
Savings banks are specialized financial institutions established to mobilize saving from people. The primary objective of commercial banks is to promote drift among low and middle income groups. The banks also offer interest on these deposits.
Central bank (reserve bank of India)

Central bank is an apex bank in the country. The monetary policy of a country is formatted and enforced by the central bank these banks are responsible for the stability in the country. Every country has a central bank; it is called as reserve bank of India, and bank of England in Great Britain. It functions as a banker to the government and commercial banks. It exists at the government in the implementation of various economic policies. It maintains not only the country. Thus the central bank holds importance in the economic system of country.
Page 21
When the reserve bank of India was established it took over the functions of currency from the imperial bank of India. The reserve bank was nationalized in the year1948. The reserve bank of India has been given a power to inspect the commercial banks under section 35 of the banking regulation act. The reserve bank of India which brings the entire banking unified, controlled and regulated. In fact the central bank is the main source of an efficient banking system in the country.
Nature of banking business/definition of banking business

Banking business is not clearly defined anywhere. But banking regulation act, 1949 amongst other things, lay down under section 5(b), what banks have to do. According to this section, banks have to (1) collect deposits from the public and (2) Lend the money so collected from the public or invest the same in securities or doing both.
Page 22
The deposits collected are of two types DEPOSITS
DEMAND DEPOSITS
TIME DEPOSIT
Demand deposits can be withdrawn any time by the depositors by cheque or by giving withdrawal skip. Normally time deposits are made in two types of accounts viz. (1) current account (2) savings bank accounts. The deposits collected in different forms are utilized for lending purposes, banks lend in different forms like cash credit, overdraft, loans. They make both secured and unsecured advances.
Types of loans
Loans and advances are given to all types of persons, particularly to businessman and investors against personal securities, like gold, silver, and other movable and immovable assets. This function is the main source of profit to the bank.
Page 23
Following are the various loans provided by the bank SL 1 Types of loan Surety loan Purpose Education, marriage Medical, domestic House repair and Construction 2 Salary loan Education, marriage, Medical, domestic, House repair and Construction 3 Jewelers loan Education, marriage, Medical, domestic, House repair and Construction
Page 24
Loans on NSC, ivc, and kvc
Education, marriage, Medical, business, Domestic, house repair And construction
Business improvement loan
for business improve Only
Vehicle loan
for all types of new Vehicle
Housing loan
House construction, Renovation etc
Cash loan
for all business, house Construction, etc
Page 25
Types of advances:
Bank advances consists of the following Cash credit Over draft Clean loans Discounting of bills Cash credits: This is a very popular type of advances made by the commercial banks. This is sanctioned against the hypothecation or pledge of the goods like agricultural or industries products or industrial products or against the guarantee of the individuals. As per the financial arrangement, some amount of the loan is sanctioned to the barrower and he can utilize it whenever he wants. It is not obligatory to draw entire amount in lump sum. The cheque is issued against the accounts as and when required by the loaners up to the sanctioned limit. Similarly, the surplus in the hands of loaners can be credited to the accounts. However, the debit balance in the account should not exceed the sanctioned limit.
Page 26
The interest will be charged used at an agreed rate.
quarterly or half yearly on the amount actually
Over draft:
This type of loan sanctioned up to a certain limit against a current account. Overdraft means over drawing the current account up to the sanctioned limit. The amount so drawn carries an agreed rate of interest. This is disadvantageous to the banker. Hence, he charges a fixed percentage on the unutilized portion of the sanctioned limit and also incorporates the minimum interest clause. Overdraft is sanctioned against personal security of the barrower.
Clean loan:
According to this type of advances, the banker makes advances to the customer against the personal security of one person. The amount is credited to the customers account immediately after sanctioned and is repayable in lump sum or in installments. The period of loan rang from one year to ten twelve years. Accordingly it has been classified as;
Page 27
A. B. C.
Short term loan Medium term loan Long term loan
: : :
up to one year from 1 year to 5 years above 5 years
Discounting of bills
This type of financial accommodation made between the banker and the customer according to this, the banker discounts the trade bill and accommodation bill of exchange of a shorter period, say 60 days to 90 days and credits the customers account with the proceeds.
Principles of good lending:

While lending the above funds, a banker has to bear in mind certain principles which are called sound banking principles. They are, Liquidity Profitability Safety Diversification Object
Page 28
Security Public policy
Liquidity:
By liquidity we mean the ready convertibility of advances into cash to meet the customers demand across the counter. This does not mean that they should hold all the deposits they received in the form of cash. Only a portion is held to meet the demand and major portion is lent. While making such loans, the banker should bear in mind that. It is easily convertible in to cash without loss. Profitability: Profitability means earning profits on the assets. Assets here refer to the bank loan an advance. Wherever the banks obtain deposits, they have to pay interest to share holders. Beside this, the share holder receives some return on their investment. It is the responsibility of bank to make profit.
Page 29
Safety
Safety is another principle to be borne in mind while employing the funds in earning assets. If the bank funds are not safely employed, banks cannot survive. Whatever be the advances made by the banker should come back to the banker with in the stipulate time without resorting to legal action.
Diversification
Another important principle to be followed by the banker is to see that loans and advances are spread to different categories. This means that the advances should not be concentrated in only one sector.
Object:
The object of advances is also another principle to be borne in mind by the banker while making advances. If he advances for unproductive purpose like consumer credit, speculation etc., the payment of the loan may be delayed and recovery will be slow.
Page 30
Security: Another guiding factor in bank is security. When the banker advances without security, he will run the risk of losing the money. If the loaned is prompt in repayment, then there will be no worry. But it is essential that the banker should have substantial security for his advances.
Public policy:
The banker should keep in mind that national policies and programs while lending. The government takes up several welfare measures and activities relating to economic growth. The lending should fall in line with these government programmers.
Page 31
DESIGN OF THE STUDY
RESEARCH DESIGN It is the basic plan which guides the researcher in the collection and analysis of data required for practicing the research. The fundamental base for the success of project depends on its effective research design. Research design simply means a search of facts, answers to questions and solution to the problem.
This research involves the following steps: Scanning through standard text book to understand the theory behind loans and advances of the bank. Decision regarding the study of loans and advances of the bank. Collection of industry profile and their different schemes. Finally forwarding certain recommendations and conclusions to
BANGLORE CITY CO-OPERATIVE BANK LTD.
Page 32
Statement of problem
The study has been conducted to know the various loans and advances offered by BANGLORE CITY CO-OPERATIVE BANK LTD with different rates, benefits. Here the main idea is to analyze the difference between the various loans schemes offered by the bank. This creates an opportunity to slide the various loans and advances provided by the bank.
OBJECTIVES
The banks are the societies whose main objective is to provide services to the society. The secondary objective is to know how the various facilities provided by the banks help in satisfying customer needs. To understand and analyze the various loans provided by the banks. To study the patterns of loans To understand the problem involved in few schemes and to suggest necessary changes so that all schemes of banks can be performed well.
Page 33
SCOPE OF STUDY:
This topic of project is mainly concerned with loans and advances section. The main area covered under this is study of various schemes offered by BANGLORE CITY CO-OPERATIVE LTD with different interest rates and benefit to attract the customer.
Need of the study

The study has been focused towards how Bangalore city co -operative bank ltd attracts, by providing various loans to its customer.
Page 34
Methodology of study Sources of data

The analysis of the financial performance of the company necessitates accurate and reliable data. Therefore the sources for collecting the data include both primary and secondary. Mainly secondary data has been used for the study.
Primary data
Information collected is mainly based on the Directive interview with sub-manager of the Bangalore city co-operative bank ltd.
Secondary data
Secondary datas mainly collected from Annual Reports, bank materials and different kinds of Text books.
Period of study
The period of study for research work is for 1 month.
Page 35
Techniques used
The data collected from various sources are analyzed with the help of the following: 1) Tables 2) Graphs For the purpose of analysis, Statistical tools, Charts and Diagrams were also used for the interpretation of the collected data.
LIMITATIONS OF THE STUDY

1) The study is restricted for a period of 1 month 2) The analysis is based on Annual Report of the company. 3) Keeping time constraint in mind, in depth study was not possible 4) The study is limited to information provided by the bank. 5) Analysis of the project was again a big problem as the data or information collected was not enough.
Page 36
Over view of chapter scheme Chapter-I Introduction

This chapter consists of introduction to the banking, Background of the selected study, development of modern banking.
Chapter-II Design of study

This chapter covers aspects like statement of problem, objective of the study, operational definition of concepts, methodology, Limitation of study.
Chapter-III Profile of bank

This chapter covers the Industrial background of the study, Origin of the bank.
Chapter-IV Analysis of Data

This chapter covers the analysis of various loans and advances given by the bank.
Chapter-V Summary of findings, suggestion and conclusion

This chapter involves a summary of findings, suggestion and conclusion of the study.
Page 37
COMPANY PROFILE
Background and Inception
The Bangalore City Co-operative Bank was established in the year 1905 as a co-operative society by K. Ramaswamayya and friends. Later in the year 1907 it was converted into a co-operative bank. The bank has rendered its 103 years of yeoman service in the banking sector. The bank has built up a very good record in delivering banking service through its highly skilled dedicated work force. It was established on 6-4-1907 under co-operative society act bearing registrar of co-operative societies in Karnataka. The bank has 12 branches along with one administration office & all the branches have been computerized under the jurisdiction of Bangalore city corporation, B.D.A., Bangalore urban & peripherals areas.
Page 38
Nature of Business
The operation of the bank is throughout Bangalore Co-operative limited. They offer all types of banking services to the customers like deposits, loans, DD pay order, bank guarantees, cheque collection facility, insurance products, etc.
Vision and Quality Policy Accepting deposits for the purposes of promoting saving habits in
the minds of the public and members.
Providing various types of loan facilities to members and

associates members.
Quality Policy: to render good customer service. Vision

To mobilize deposits of Rs.1000 crores and to raise advances portfolio in the next 5 years and to increase the network of banking to 25 branches from present 13 branches.
Page 39
Mission
To meet the growing aspiration of the customers of the Bank in the changing environment. To bring total customer satisfaction by providing quality service. To promote the effectiveness of credit and to reduce the risk in granting a credit through careful and continuous supervision. To promote socio economic development & employment as national & social objectives. To meet the economic & career aspirations of the employees of the bank.
Area of Operation
The Bangalore City Co-operative Bank has well established branches in various major areas of Bangalore. This is done to establish a well networked customer relation. The Banks Head office is locate in Chamarajpet
Page 40
Bank has 13 branches. They are operation in Head office branch Vijayanagar Jayanagar 9th block Indira nagar Chamarajpet west Mahalakshmipuram Sanjay nagar Padmanabnagar Kormangala Shanti nagar Avalahalli R T nagar Jnana jyothi nagar
Branches and there Starting Date, Deposits, Loans and Profits:

(The Amount mentioned here is in thousands)
Page 41
SL No
Branches
Starting Date
Total Deposits
Total Loans
Net Profit
1. 2. 3. 4. 5. 6. 7. 8. 9.
Head office
06.04.1907 24.02.1980
1084709 787535 540884 786503 219024 117301 320507 277125 187825 211290 214089 88638 60388
900457 495556 262206 247874 292604 154521 181957 136702 118432 211842 248150 189580 48091
30950 6306 649 576 15600 7496 1376 1028 2303 10628 12768 11693 377
Vijay nagar
Jayanagar 9th block 25.01.1981 Indira nagar Chamarajpet west Shanti nagar Mahalakshmi pura Sanjay nagar Padmanabnagar 09.12.1983 07.02.1988 03.09.1992 07.07.1994 11.08.1994 04.09.1995 30.10.1996 16.01.2002 15.02.2002 22.03.2009
10. Koramangala 11. Avalahalli 12. R.T nagar 13

Jnana jyothi nagar
Page 42
Ownership
The bank is completely controlled by the President, Vice president and the Directors. Only RBI can interfere in the rules and regulations of the bank. The bank consists of a president, a vice president and 15 directors.
Board of Directors
President Vice president Directors Sri.Avalahalli chandrappa Dr. Devraj T.M Sri Dr. T.P Yoga Dr. Devraj .T.M Sri B.K. Ashwata Narayana Sri Dayashankar G.S. Rajendra Sri T.D. Dhananjaya Sri K. Krishnappa Sri Anjanappa Sri M. Hanumanayya Sri N. Thimayya Sri U.P Puranik Sri k. Krishna Murthy Sri Basavaraju Smt. L Bhgyalakshmi
General Manager - Sri. N. Manjunatha

Page 43
Achievements The bank has been awarded as For the year 1926, 1927 and 1928, the bank has been awarded as THE BEST CO-OPERATIVE BANK OF KARNATAKA STATE by the prince of Mysore, Shriman Shri Kanteerava Narasimharaja Odeyar. In the year 2001-02 and 2003-04 the bank has been awarded as THE BEST URBAN CO-OPERATIVE BANK by the
government of Karnataka. Received award for completion of 100 years of banking service from Government of Karnataka.
Objectives
To accept deposits for the purpose of promoting savings habits in the minds of the public and members To provide various types of loan facilities to the member and associate members To provide short and medium term creditworthy farmers. To carry out banking business To function as leader of Co-operatives in Karnataka.
Page 44
Functions
Provisions of short term loan to carry out seasonal agriculture and for the purpose of sale of agricultural products. Provisions for medium term loans for irrigation, poultry farming, animal husbandry etc. Acceptance of deposits. Provision of remittance and payment facilities. Collection of cheques, drafts etc for the customers. Acceptance of valuable for safe custody.
Future Growth and prospective

The bank wants to increase its operations by setting up its branches all over the city. To raise the Deposits of the bank more the 375 crores. To raise Credit Facility to more than 310 crores. To increase Net Profit of the bank up to 8 crores. Improve customer service by adopting latest technologies. To take training programmes for the staff for improving the skills.
Page 45
The bank has 13 branches along with one administrative office under the jurisdiction of Bangalore City Co-operation, Bangalore development authority and Bangalore urban and peripheral areas.
Legal Advisors
1. Sri M. Jagannatha 2. Sri S. Shamanna 3. Sri C.J. Kempegouda 4. Sri G. Chandrashekharyya 5. Sri R. Purushottam
COMPITITORS INFORMATION
Co-operative bank is facing competition from the commercial banks. They are not providing core banking facilities, which make the customer to make banking transactions easy. The bank is yet to adopt this facility. So core banking providers are the main competitor to the bank. Apex co-operative Bank Canara Bank ICICI Bank HDFC Axis Bank Karnataka Bank, etc.
Page 46
1. HOUSE CONSTRUCTION LOAN Quantum of loan

Up to Rs. 4, 99,999 RS. 5,00,000 to 14,99,999 More than 15,00,000 12% interest 12.5% interest 13.5% interest
Purpose
For the Construction of House
Period of loan
The maximum duration of loan was 180 months (15 years)
Objective
To provide financial assistance to the middle class people to build and own house
Age criteria
A person must be an age of 18 years and more
Procedure and documents 1. Applicant should fill up the form provide by bank. 2. Applicant should pay the service charge as prescribed by the bank.
Page 47
Documents
1. It is self owned with sale papers he should have the old owners papers which are favoring them. 2. If it is fore fathers property than he should hold the documents that he is owner. 3. Khatha papers. 4. Recent tax receipts. 5. Site/Construction plan. 6. Site photographs. 7. Address proof, Income conformation.
Release of loan in 4 installments as follows:

1. 1st loan installments of 25% amount are given after the completion of foundation site. 2. 2nd loan installments of 25% amount are released during the completion of ceiling of the house. 3. 3rd loan installments of 25% amount are released after the ceiling during plastering time. 4. 4th loan Installments of last 25% amount are released after plastering and flooring.
Page 48
1.1 House construction loans during the year:
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 51,45,02,340 54,23,76,101 62,85,62,839
House construction loan

700000000 House construction loan 600000000 500000000 400000000 300000000 200000000 100000000 0 2008-2009 2009-2010 2010-2011 LOANS (Rs.), 628562839
INTERPRETATION From the above graph we can understand that the house construction loan of a bank was in increasing trend. This shows the positivity of the bank, compare to 2008-2009 and current year it has grown very positively this shows the good reputation and a success of the bank.
Page 49
2. INDUSTRIAL LOAN Quantum of loan

Up to Rs. 4, 99,999 RS. 5,00,000 to 14,99,999 More than 15,00,000 14% interest 14.5% interest 15% interest
PURPOSE
1. For starting of the industry. 2. For the purchase of machinery/building and other implements.
Period of loan
Objective
To provide financial assistance to the people who willing to construct the industry
Age criteria
Page 50
Documents for classification:

1. If it is land then land papers. 2. Machine towers hypothecation. 3. If it is immovable property then its papers.
Procedures and conditions: 1. Details regarding the industry. 2. Environment suitable improvement of industry. 3. Raw materials in store in or supplier from the other than it should be
explained.
4. Water and power supply ways details. 5. Technology skills: if technicians need then its explanation. 6. If self employed industrial person his net worth and personal
signature, property details, valuation loans details.]
7. Market details things that happen market likes ups-down demands has
some critics.
8. Industry capacity and maximum time for production. 9. Each advantage and each inflow and outflow. 10.
Details regarding previous 5 years production, sales, expenditure.
Page 51
1.2 Industrial loans during the year
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 472 472 400
Industrial loan
2010-2011
2009-2010
2008-2009 360 LOANS (Rs.) 380 2008-2009 472 400 420 2009-2010 472 440 460 480
2010-2011 400
INTERPRETATION The bank during last 3 previous years they did not sanctioned any industrial loan the bank has to pay a special interest to increase the industrial loans.
Page 52
3. IVP/LIC/BOND LOANS Amount of loan

Maximum 70% on premium paid on IVP/NSC/LIC Bonds.
Interest rate
Interest up to 13.5% Interest amount rate may change from period to period as per the directions of reserve bank and administrative board.
Way of treating and transferring

1. IVP/NSC Bonds get loans on the market value 2. The person has to transfer bonds to the bank and register in the concerned department and get the letter or document showing the transfer to the bank.
Page 53
LIC procedure
1. In common policy assignment letter related every policy holders signature with the written letter and the letter should be written to the insurance company by policy holder. 2. This should be enlisted in the in the insurance company. 3. A receipt regarding the last installment paid by the policy holder and gets the surrender value details from the policy company. 4. Surrender value is taken for evaluation of the policy.
1.3 Total loan amount for the last three financial years
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 10,000 10,000 26,106
Page 54
IVP/LIC/BOND LOANS
2010-2011
2009-2010
LOANS (Rs.)
2008-2009
5000
10000
15000
20000
25000
30000
INTERPRETATION From the above graph we can easily identify that the IVP/NSC/LIC loans has increased in the current year. In the current year the loan was spent around 26,106 . and the last two years remains constant at Rs10,000.
Page 55
4. CONSTRUCTION LOAN
Quantum of loan
Up to Rs. 4, 99,999 RS. 5,00,000 to 14,99,999 More than 15,00,000 12% interest 12.5% interest 13.5% interest
Purpose
For the Construction of House
Period of loan
Objective
To provide financial assistance to the middle class people to construct the infrastructure, factory, other the house construction
Age criteria
Procedure and documents 3. Applicant should fill up the form provide by bank. 4. Applicant should pay the service charge as prescribed by the bank.
Page 56
Documents
1. It is self owned with sale papers he should have the old owners papers which are favoring them. 2. If it is fore fathers property than he should hold the documents that he is owner. 3. Khatha papers. 4. Recent tax receipts. 5. Site/Construction plan. 6. Site photographs. 7. Address proof, Income conformation.
Release of loan in 4 installments as follows:

1. 1st loan installments of 25% amount are given after the completion of foundation site. 2. 2nd loan installments of 25% amount are released during the completion of ceiling of the house. 3. 3rd loan installments of 25% amount are released after the ceiling during plastering time. 4. 4th loan Installments of last 25% amount are released after plastering and flooring.
Page 57
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 13,77,77,551 14,44,13,030 14,81,80,211
CONSTRUCTION LOAN
LOANS (Rs.)
2010-2011
148180211.00
2009-2010
144413030.00
2008-2009
137777551.00
INTERPRETATION From the above graph we can understand that the firms construction was in increasing trend. During the current year it has been increased to 14, 81, and 80,211 at a maximum level. This shows the firms growing status.
Page 58
5. OVERDRAFT ON CURRENT ACCOUNT Purpose:1. For urgent need of money for business. 2. To enhance the relationship between customers and bank.
Eligibility:1. The account holder should have maximum amount and maximum times of transactions. 2. The account holder has to be a person who has holding from many years. 3. The person in past should have maintained good balance.
Permission:1. The account holder can get this privilege by consulting respective manager. 2. Manager has to clarify with his senior authority.
Rate of interest:The rate of interest is prescribed on amount over draft. The interest amount is balance of account.
Page 59
1.5 The total loan amount for last three financial years is as follows:-
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 66,12,988 62,11,073 90,65,121
over draft on current accout

2010-2011
2009-2010
2008-2009 0 2000000 4000000 6000000 8000000 10000000
LOANS (Rs.)
INTERPRETATION This interprets that the firms overdraft on current account was not in constant level. It has been increased in 2008-2009 and it decreased little bit in 2009-2010 then it has increased slightly in the current year 2010-2011 this shows the inconsistancy of the bank .
Page 60
6. JEWEL LOAN Quantum of loans:Maximum up to10 lakhs on gold ornaments as 1 gram gold amount to Rs.1300.
Duration of loan:60 months.
Interest Rate:12% annum
Special features:1. These loans are especially given only in these types of co-operative banks. 2. There is no much of security needed.
Page 61
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 14,12,61,957 18,99,21,492 29,47,55,902
Jewel loan (Rs.)

2008-2009 2009-2010 2010-2011
23% 47%
30%
INTERPRETATION From the graph we can seen that the jewell loans of the bank has been increasing from year to year. This shows the positivity of the company and also the banks goodwill. Compare to 2008-2008 and current year the amount has been increased by 30to 40%.
Page 62
(Special jeweler loan) YEAR 2008-2009 2009-2010 2010-2011 LOANS (Rs.) 1,57,90,140 3,59,16,758 4,76,57,811
special jewell loan

2008-2009 2009-2010 2010-2011
16% 48% 36%
INTERPRETATION From the graph we can seen that the jewell loans of the bank has been increasing from year to year. This shows the positivity of the bank.
Page 63
7. Surety loan
Salary holders through banks get loan up to 50,000
Interest and duration

50 months for the interest rate of 16%
On the basis of Salary Quantum loan:

40,000 Rs
Duration:
36 Months of 16% Interest
Purpose:
To meet personal causes of the people surety loans is taken behalf other persons.
Page 64
Special features
1. The surety loan means if original benefit or does not pays the loan then the surety holders has to pay the amount back. 2. The installment must not exceed the 40% of his actual salary. 3. One person as to give surety to only on borrower.
Documents and necessary letters 1. Loan beneficiary and surety persons photographed membership
cards duplicate has to be provided.
2. Loan beneficiary and surety persons salary address

confirmations documents.
3. Reasons of loan and their letters. 4. Loan beneficiary and surety persons salary address
conformations letters.
Page 65
1.8 Loans provided by the bank in last 3 financial years YEAR 2008-2009 2009-2010 2010-2011 LOANS (Rs.) 2,73,62,920 2,12,66,583 1,67,97,765
LOANS (Rs.)
2009-2010 32% Other 26% 2008-2009 42% 2010-2011 26%
INTERPRETATION The graph shows the surety loan of the bank. In 2008-09 the bank has sanctioned an amount of 2,73,62,920 but it has been came down from year to year during the current year they have been sanctioned 1,67,97,765 this shows the decrease in the surety loan.
Page 66
8. BUSINESS LOAN Quantum of loan:50 Months not exceeding more than that.
Interest Rate:15.50% per annum
Purpose
Bank provides loans to its membership customer for their business transactions improvement.
Special features
1. This loan is provided to small scale business. 2. This loan helps in self employment of the people.
Documents from the applicants

1. Persons who request for business maintenance the bank has to get the registration and license duplication letters of business. 2. If business placed is rented one, then the applicant should get letter from the owner that he is paying his rent regularly. 3. Applicant should give the document which shows income coming from his business transactions.
Page 67
1.9 Loans provided by the banks in last 3 financial years as follows:-
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 89,92,908 1,57,23,904 2,14,71,627
Business loan
100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 2008-2009 2009-2010 Axis Title
Axis Title
LOANS (Rs.), 21471627
2010-2011
INTERPRETATION From the graph its understood that the banks business loan was increased from year to year and it was in increasing trend.
Page 68
9. Vehicles loan Purpose

Purchase of new vehicle (All types of vehicles) of reputed make for personal use only.
Amount of loan
70% of loan is given on the actual value of the vehicle.
Repayment
As maximum time of 60 Months (i.e. 5years for three and four wheeler) As maximum time of 36 Months (i.e. 3years for two wheeler)
Interest rate
Interest rate on two wheeler vehicle is 12.50%. Vehicle type 1. Mopeds 2. Scooter/Bikes Maximum repayment period 24 Months 36 Months
Page 69
Documents and procedures:

1) Profoma invoice from the vehicle company. 2) Applicants driving license duplicate. 3) Declaration letter from the loan beneficiary. 4) ID card sowing customer of bank and address proof duplicate. 5) Proof of income from employer.
Eligibility
Employees of central/state government departments public sector undertakings, corporation boards, private institution, business/trade
professionals, agriculturists or engaged in allied activities who have income proof
Page 70
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 12,94,853 30,23,591 40,57,196
Vehicle loan
5000000 4000000 Axis Title 3000000 2000000 1000000 0 2008-2009 2009-2010 2010-2011 LOANS (Rs.), 4057196
INTERPRETATION Its interprets that during the year 2008-09 the banks vehicle loan was decreased and once again it has been increased in the current year this shows the inconsistency of the bank in issuing of the vehicle loan.
Page 71
10. OVERDRAFT ON DEPOSITS Purpose:1. To meet the personal needs of customers. 2. To develop a good relation between customer a bank.
Eligibility:1. An account holder should have maintained a good balance in the past. 2. He should have a good record of transactions and maintain the good balance.
Permission:1. Account holder should approach the manager in respective department head. 2. The management will decide to allow or not.
Amount on overdraft
Overdraft will be up to the permitted level by the management. The interest rate is also decided by them.
Page 72
2.2 Total overdraft permitted by the bank in past three financial years:-
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 1,62,06,036 1,19,74,832 2,42,72,514
over drafts on deposits

100% 80% Axis Title 60% 40% 20% 0% LOANS (Rs.) 2008-2009 16206036 2009-2010 11974832 2010-2011 24272514
INTERPRETATION From the graph its understood that the banks loans on overdrafts on deposits was not in increasing or decreasing trend. Because there is a fluctuation of values from year to year
Page 73
11. LONG TERM LOAN

YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 194,47,43,440 240,24,30,071 309,42,20,794
long term loans
2008-2009 26% 2010-2011 42%
2009-2010 32%
INTERPRETATION From the above graph it tells that the long term loan was in increasing trend because it has been increased from year to year with good value. This shows the banks interest on the long term loans.
Page 74
12. TRANSPORT LOAN 2.4 Total loan amount for the last three financial years YEAR 2008-2009 2009-2010 2010-2011 LOANS (Rs.) 1,62,06,036 1,68,03,190 2,42,72,514
Transport loan
LOANS (Rs.)
2010-2011
24272514
2009-2010
16803190
2008-2009
16206036
INTERPRETATION The graph shows the transport loan provided by the bank of last three years the transport loan was in increasing trend compare to 2007-08 and current year the loan amount has been increased with good value.
Page 75
1. FESTIVAL LOAN Purpose:

A. To meet the expenses of the festival. B. To celebrate the festival and maintain the culture of different religion.
Repayment:
The amount is processed in their salaries.
Interest:
15.50% per anum
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 1,40,700 1,50,300 1,53,300
Page 76
Festival advance
156000 154000 152000 150000 148000 146000 144000 142000 140000 138000 136000 134000 2008-2009 2009-2010 LOANS (Rs.) 2010-2011
INTERPRETATION This is the type of loan given only to the employees of the bank for their personal expense. From the graph we can easily identify that the firms festival advance was increased from year to year this shows the bank have more faith in employees they are ready to provide loan in the form of high value this can increase the morale of the employee towards banks.
Page 77
2. STAFF VEHICLE LOAN Purpose

1. For the transportation of its staff. 2. For their personal purpose.
Repayment
The loan amount is deducted in their salary with very low interest rate then other.
Repayment period
36 months 2.6 Total loan amount for the last three financial years
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 1,40,700 1,50,300 36,43,774
Page 78
Staff vehicle loan

4000000 3500000 3000000 2500000 2000000 LOANS (Rs.) 1500000 1000000 500000 0 0 -500000 0.5 1 1.5 2 2.5 3 3.5
INTERPRETATION This is the type of loan given only to the employees of the bank for their personal expense. From the graph we can easily identify that the firms Staff vehicle loan was increased from year to year this shows the bank have more faith in employees they are ready to provide loan in the form of high value this can increase the morale of the employee towards banks
Page 79
3. SPECIAL SALARY ADVANCE

Purpose: 1. For the personal purpose of staff. 2. To expense before the salary date. Repayment: The advance amount is deducted in future salaries. There is no interest on their advance
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 1,00,35,369 92,69,811 89,28,780
Page 80
Special salary advance
10500000 10000000 9500000 9000000 8500000 8000000 2008-2009 2009-2010 2010-2011
LOANS (Rs.)
INTERPRETATION This is the type of loan given only to the employees of the bank for their personal expense. From the graph we can easily identify that the firms Special salary advances was not in growing or declining stage because there is no constant values its fluctuating from year to year.
Page 81
4. STAFF HOUSE BUILDING LOAN
Purpose: 1. Staff to own their house. 2. To secure themselves. Repayment The loan amount is deducted in their salaries. The interest amount is fixed by the administration which may be very low.
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 2,53,69,715 2,81,00,088 2,80,95,844
Page 82
Staff H.B advance

LOANS (Rs.)
2010-2011
28095844
2009-2010
28100088
2008-2009
25369715
INTERPRETATION This is the type of loan given only to the employees of the bank for their personal expense. From the graph we can easily identify that the firms Staff House building advance is in increasing trend. The values is increased with good rate from year to year.
Page 83
5. STAFF CONSUMPTION LOAN

Purpose: 1. Staff to meet their personal needs. 2. To secure themselves. Repayment The loan amount is deducted in their salaries. The interest amount is fixed by the administration which may be very low.
YEAR 2008-2009 2009-2010 2010-2011
LOANS (Rs.) 9,34,588 8,87,450 8,14,100
Page 84
Staff consumption loan
2010-2011 31%
2008-2009 35%
2009-2010 34%
INTERPRETATION This is the type of loan given only to the employees of the bank for their personal expense. From the graph we can easily identify that the firms Staff consumption loan was in fluctuating from year to year this shows the inconsistency of the values neither it was not in growing or declining stage.
Page 85
GROWTH OF DEPOSITS
3.1 Total loan amount for the last five financial years
YEAR 2005-2006 2006-2007 2007-2008 2008-2009 2009-2010 2010-2011
AMOUNT( IN CRORES) 212.18 224.44 289.11 378.63 486.88 597.62
Growth of deposits
700 600 500 Axis Title 400 300 200 100 0 2005-2006 2006-2007 2007-2008 2008-2009 2009-2010 2010-2011 Axis Title AMOUNT( IN CRORES), 597.62
Page 86
INTERPRETATION
The above table shows the deposits positions of the last 6 financial years. The table has helped to analyze the evolution. In different periods, the total deposit differs from year to year. Here we can know that there is increase in deposits, they maintained between 210 to 600 crores.
Page 87
GROWTH OF LOANS AND ADVANCES 3.2

Total loan amount for the last five financial years
YEAR 2005-2006 2006-2007 2007-2008 2008-2009 2009-2010 2010-2011
AMOUNT( IN CRORES) 132.59 150.18 233.68 294.85 352.98 444.12
Growth of loans and advances

AMOUNT( IN CRORES) 444.12 352.98 294.85 233.68 132.59 150.18
2005-2006
2006-2007
2007-2008
2008-2009
2009-2010
2010-2011
Page 88
INTERPRETATION The above chart shows the loans, advances, positions of the 5 financial years of the BNGLORE CITY CO-OPERATIVE bank. The table has helped to analyze that the total loans and advances differ from year to year. In the all financial year the loan amount was increasing like a mountain. This shows the success and the goodwill of the company the loan amount was increasing by 20 to 40 crores yearly.
Page 89
NET PROFIT YEARWISE

3.3 Total loan amount for the last five financial years
YEAR 2005-2006 2006-2007 2007-2008 2008-2009 2009-2010 2010-2011
AMOUNT( IN CRORES) 2.61 3.56 4.27 5.17 5.34 7.95
Net profit
8 7 6
Axis Title
5 4 3 2 1 0 AMOUNT( IN CRORES) 20052006 2.61 20062007 3.56 20072008 4.27 20082009 5.17 20092010 5.34 20102011 7.95
Page 90
INTERPRETATION The above table shows the net profit for the last 5 financial years of the BANGALORE CITY CO-OPERATIVE BANK. The table has helped to analyze the profit changed year by year. Hence we see that the profit of the bank has increased from year to year. This shows the effectiveness working of the company.
Page 91
FINDING AND CONCLUSION

Allotting loans has been increased in 2010-2011 when compared to the previous financial years. Profit position is increased from year to year this shows the effective working of the bank. The deposit position of the bank is slightly increased in 2010-2011 when compared to the relevant previous years. The bank repeat loans when previous loans are refunded. Small enterprises are provided loans under business loan. Bank operates mostly to customers of middle class and lower middle class people. Bank has less explorer to globalization world Bank lacks in ATM centre. Bank does not have website and online banking. The bank branches are limited to Bangalore city only. The bank uses only Kannada in its most transactions.
Page 92
RECOMMENDATION AND SUGGESTIONS

The profit position can be improved by reducing the interest rates on loans. The providing of loans must be increased so it will help in raising the income. In this modern world the banking must be wide spread for this reason website and online banking has to be started. They have to increase ATMs for the convenience of the customer. The bank has to include English and Hindi with Kannada which helps people of different groups who may not understand Kannada and it will help in easy communication. The bank has to extend their branches all throughout state and expand as the bank grows. Bank has to introduce new loan schemes to encourage more and more different classes of people.
Page 93
FINANCIAL ANALYSIS BALANCE SHEET AS ON 31-03-2008
SL.NO 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18.
PARTICULARS Share capital Reserves and other funds
LIABILITY (IN RS) 13,94,22,103.00 41,57,51,667.14
ASSETS (IN RS)
Deposits 2,89,10,54,009.28 Suspense account 64,27,754.22 Interest payable on deposits 2,46,95,207.00 Other liabilities 12,24,89,197.42 Branch accounts 98,82,11,936.00 Cash balance Cash at bank Investments Loans and advances Other assets Branch accounts Furniture and fixture Building cost Generator cost Vehicle cost Computer cost GRAND TOTAL PROFITS NET INCOME
15,44,33,751.80 3,09,56,688.00 8,80,14,753.00 1,07,73,20,493.00 2,33,67,94,705.42 7,38,85,505.35 1,00,29,71,001.18 41,37,509.84 93,78,033.69 1,75,333.40
14,85,19,278.70
3,59,853.20 8,64,145.24 4,73,65,68,152.76 4,77,92,91,939.24 4,27,23,786.48 4,77,92,91,939.24 4,77,92,91,939.24
Page 94
FINANCIAL ANALYSIS
BALANCE SHEET AS ON 31-03-2009
SL.NO 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18.
LIABILITY (IN RS) 17,33,63,267.00 44,98,27,118.92
ASSETS (IN RS)
Deposits 378,63,09,868.54 Suspense account 47,56,009.22 Interest payable on deposits 2,81,97,948.00 Other liabilities 15,13,25,758.30 Branch accounts 139,07,04,668.64 Cash balance Cash at bank Investments Loans and advances Other assets Branch accounts Furniture and fixture Building cost Generator cost Vehicle cost Computer cost GRAND TOTAL PROFITS NET INCOME
21,20,75,466.13 3,43,68,746.00 10,01,13,012.07 140,58,20,493.00 294,84,43,868.82 13,20,68,498.75 139,10,93,476.53 79,51,791.14 91,43,744.70 6,67,687.55
21,18,30,160.13
2,39,902.80 60,08,168.75 609,63,14,798.75 624,80,14,856.24 5,14,00,057.49 624,80,14,856.24 624,80,14,856.24
Page 95
FINANCIAL ANALYSIS
BALANCE SHEET AS ON 31-03-2010
SL.NO 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18.
LIABILITY (IN RS) 21,84,53,827.00 48,68,82,405.41
ASSETS (IN RS)
Deposits 489,58,18,010.17 Suspense account 31,66,479.82 Interest payable on deposits 3,77,02,976.00 Other liabilities 17,13,07,073.94 Branch accounts 192,26,71,750.25 Cash balance Cash at bank Investments Loans and advances Other assets Branch accounts Furniture and fixture Building cost Generator cost Vehicle cost Computer cost GRAND TOTAL PROFITS NET INCOME
41,20,80,906.75 3,12,62,897.00 13,13,79,812.41 199,13,74,743.00 352,98,19,370.30 15,48,69,019.63 192,41,44,939.25 1,14,34,220.15 89,15,151.08 8,02,936.20
14,21,15,906.75
1,19,952.40 40,22,502.49 787,81,18,429.34 793,02,20,450.66 5,21,02,021.32 793,02,20,450.66 793,02,20,450.66
Page 96
BIBLIOGRAPHY
Books
Practice and Banking Financial management
Authors
B.T Kumar Reddy & Appanaiah
Year 2006 2006
ANNUAL REPORTS:ANNUAL REPORTS OF BANGALORE CITY CO-
OPERATIVE BANK
WEBSITE:
WWW.GOOGLE.COM WWW.CO-OPERATIVESBANKS.COM
Page 97

Study on loans and advances in banking

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Study on loans and advances in banking

Uploaded by

Copyright:

Available Formats

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

THE TERM FINANCE

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

The subject of finance has been traditionally classified into 2 classes:

Government Institution States Local Self-Government Central government

Personal finance Business finance Finance Of Non-profit Organization

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

MODERN FINANCE FUNCTION

C. BUSINESS FINANCE WITH THE OTHER AREAS OF BUSINESS

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

INTRODUCTION TO THE STUDY

offered by bank to the customer.

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

A STUDY ON LOANS AND ADVANCES

Background of the study

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

Early history of banking

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

Meaning of the bank:

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

INDIAN BANKING INDUSTRY

A STUDY ON LOANS AND ADVANCES

CLASSIFICATION OF BANKS BASED ON THEIR FUNCTIONS

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

Investment or industrial bank

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

Central bank (reserve bank of India)

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

Nature of banking business/definition of banking business

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES

A STUDY ON LOANS AND ADVANCES

The deposits collected are of two types DEPOSITS

A STUDY ON LOANS AND ADVANCES

COMMUNITY INSTITUTE OF COMMERCE AND MANAGEMENT STUDIES