Syndicate Bank Project

STUDY ON DEPOSITS MOBILISATION
INTRODUCTION TO THE CONCEPT
MEANING OF FINANCE
Finance is the management of money and other valuables, which can be

easily converted into cash.It is the allocation of assets and liabilities overtime
under conditions of certainty and uncertainty, a key point in finance is the time
value of money, which states that a unit of currency todayis worth more than the
same unit of currency tomorrow.
The term finance should be understood in two perspectives- finance as a

resources and finance as a discipline. Finance, as resources refers to monetary
means of financing assets of entity. Finance as a discipline or subject of study
describes how individual, government and corporate organization manage the
flow of money through an organization. It is important for all individuals,
business, government and non-government organization to appreciate the
significance in their day- to-day businesses.
Lets understand the origin of word finance, if we trace the origin of

finance, there is evidence to prove that it is as old as human life on earth. The
word finance was originally a French word. In the18th century, it was adopted
by English speaking communities to mean the management of money. Since
then it has found a permanent place in the English dictionary. Today finance is
not merely a word else has emerged into an academic of greater significance.
Finance is now organised as a branch of economics.
Furthermore, the one word which can easily replace finance is

exchange. Finance is nothing but an exchange of available resources. Thus,
JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 1

we can say finance is an art of managing various available resources like

money, assets, investment, securities, etc. At present, we cannot imagine a
world without finance. Finance is the soul of our economic activities. Hence,
finance has now become an organic function and inseparable part of our day-to-
day lives.
DEFINATION OF FINANCE
Finance is defined in numerous ways by different groups of people. Though

it is difficult to give a perfect definition of finance following selected statement
will help you deduce its broad meaning.
1. In general sense,
Finance is the management of money and other valuables, which can be
easily converted into cash.
2. According to experts,
finance is a simple task of providing the necessary funds(money)
required by the business of entities like companies, firms, individuals and
others on the terms that are most favourable to achieve their economic
objectives.
3. According to entrepreneurs,
Finance is concerned with cash. It is so, since, every business
transaction involves cash directly or indirectly.
4. According to academicians,

Finance is the procurement of funds and effective utilisation of

funds. It is also deals with profits that adequately compensate for the cost
and risks borne by the business.
FEATURS OF FINANCE
Investment opportunities
Profitable opportunities
Optimal mix of funds
System of internal controls
Future decision making
Investment opportunities:
In finance, investment can be explained as a utilisation of money for

profit or returns. Investment opportunities are commitment of monetary
resources at different times with an expectation of economic returns in the
future.
Profitable opportunities:
In finance, profitable opportunities are considered as an important
aspiration. Profitable opportunities signify that the firm must utilize its
available resources most efficiently under the condition of cut-throat
competitive markets. Profitable opportunities shall be a vision. It shall not
result in short- term profits at the expense of long-term gains.
Optimal mix of funds:
Finance is concerned with the best optimal mix of funds in order to
obtain the desired and determined results respectively.
The composition of funds should be such that it shall no result in loss of
profits to the entrepreneurs and must recover the cost of business units
effectively and efficiency.

System of internal controls:

Finance is concerned with internal controls maintained in the
organisation or workplace.
Internal controls are set of rules and regulations framed at the inception
stage of the organisation, and they are altered as per the requirement of its
business.
Future decisions making:
A good finance is an indicator of growth and good returns. This is
possible only with the good analytical decisions of the organisation.
IMPORTANCE OF FINANCE
Finance is very important for any business organisation. The three main sources
of funding for a business are revenues from business operations, investor
finances such as owners, partners or venture capital, and loans from individuals
or financial institutions. Business need finances for daily operations and to meet
essential expenses and payments. Expenses are either short term, such as pay
roll payment or long term, such as purchasing buildings.
The finance in a finance department is essential in running a company

efficiently. They will oversee accounting, production and make financial
statements.
SIGNIFICANCE
It is impossible to achieve long term and short term goals without

effectively managing finance. Inefficient management of finance could lead to
liquidity shortages.
Scope of finance

At the present state, the academic discipline of finance includes the following
specialized areas in its scope.
1. Public finance:
Like business organisations, government raise and spend large sum of
money, but unlike business organizations, they pursue non- profit goals.
To deal with governmental financial matters, a separate and specialized
field of finance has emerged as public finance.
2. Securities and investment analysis:
This area is of interest of individuals and institutional investors. It covers
mainly measurement of risk and return on investment in securities.
3. Institutional finance:
Institutional finance deals with issues of capital formation and the
organisations that perform the financing of the economy.
4. International finance:
International finance studies economic transactions among nations,

corporation and individually internationally.
5. Financial management Business firms face problems dealing

with acquisition of funds and optimum method of employing the funds.
Objectives of finance of finance functions are:
Setting financial goals and objectives for business is one of the most important
parts of the planning process.
Business may have objectives such as;

To achieve a gross profit margin before end of the financial year.

To increase net profit
To achieve a 30% returns on the capital invested by the end of first year
of operation.
To increase the size of operation
Wealth maximization
Proper estimation of total financial requirements
Proper mobilisation
Proper utilization of finance
Maintaining proper cash flow
Survival of company
Creating reserves
Proper co-ordination
Create goodwill
Increase efficiency
Financial discipline
Reduce cost of capital
Reduce operating risks
Preparing capital structure.
FINANCIAL SYSTEM
The well-being and standard of living of the people of the country is also
associated with financial system. Thus the financial system is a broader term
which brings under its fold the financial markets and the financial institutions
which support the system. An efficient functioning of the financial system
facilitates the free flow of funds to facilitate productive activities and thus
promote investment.

India is the seventh largest and second most popular country in the world. A
new spirit of economic freedom is now stirring in the country, bringing
sweeping changes in its wake. A series of ambitious economic reforms aims at
deregulating the countrys reform and stimulate foreign investment which has
moved India firmly into the front ranks of the rapid economic growth.
Indias progress of economic reform is firmly rooted to a political consensus

that spans her diverse political parties. Indias democracy is a known and stable
factor, which has taken deep roots over nearly half a century. Importantly, India
has no fundamental conflict between its political and economic systems. Its
political institutional have fostered an open society with strong collective and
individual rights and an environment supportive of free economic enterprise.
Indias time institution offer foreign investors a transparent environment that

guarantees the securities of their long term investments. These include a free
and vibrant press, a judiciary that can overrule the government, a sophisticated
legal and accounting system and a user friendly intellectual infrastructure.
Indias dynamic and highly competitive private sector has been the backbone of
its economic activity.it accounts for over 75% of its gross domestic product and
offers considerable scope for joint ventures and collaboration.
Today, India is one the most exciting emerging markets in the world. Skilled
managerial and technical manpower that match the best available in the world
and the middle class whose size exceeds the population of the USA or the
European union provide India with a distinct cutting edge in global competition.
INTRODUCTION TO BANK
The term bank is either derived from Old Italian word banaca or
from a French word banquet both mean a bench or money
exchange table. In olden days European money lenders or

money changes used to display aims of different country in big
heaps (quantities) on benches or tables for the purpose of
lending or exchange.
DEFINITION OF BANK
Oxford dictionary defines as an establishment for custody of

money which it pays out on customers order.
CHARACTERISTICS / FEATURES OF BANK
Dealing in money: bank is a financial institution which deals with other

peoples money. i.e, money given by depositors.
Individual/ firm /company: A bank may be person, firm or a company.

BankingCompany a company which is in the business of banking.
Acceptance of deposit:A bank accepts money from the people in the form of
deposits which are usually repayable on demand or after the expiry of a fixed
period. It gives safety to the deposits of its customers it also acts as a
custodian of funds of its customers.
Giving advance: A bank out of money in the form of those who require it for
different purposes.
Agencies and utility services: A bank provides various banking facilities to

its customers. They include generally utility services and agency services.

BANKING SYSTEM IN INDIA
The oldest bank in existence in India is the state bank of India, a

government-owned bank that trace its origins back to June 1806 and is the
largest commercial bank in the country. After Indias independence in 1947, the
reserve bank of India was nationalized and given broader powers.
Currently India has 96 schedule commercial bank 27 public sector bank, 31

private banks, and 38 foreign banks. They have a combined network of over
53,000 branches and 17,000 ATMs. According to a report by ICRA limited, a
rating agency, the public sector banks hold over 75 present of total assets of the
banking industry, with the private and foreign banks holding 18.2% and 6.5%
respectively.
BANKING
Banking means accepting for the purpose of lending has investment

or deposits of money from the public payable on demand as otherwise or
withdrawal by cheques, drafts or otherwise.
India has an extensive banking network in the both urban and rural areas. All
large Indian banks are nationalized and all Indian financial institutional are
public or private sector.
The reserve bank of India (RBI) is Indias central bank. Though public sector
banks currently dominate the banking industry, numerous private and foreign
banks exit. Indias government owned banks dominate the market. Their

performance has been mixed, with few being consistently profitable. Several
public banks are restructured, and in some the government either already has or
will reduce its ownership.
ORIGIN OF BANKING
The word bank has been derived from the Italian word ban co which means a
place where transactions were usually undertaken. It may also refer to the pile
or mound of coins that were found in such shops. Others say that it has been
derived from the Greek word BANQUE which means a bench. In the olden
day, Jews entered into money transaction sitting on the benches in the
Marketplace, which soon became fixed.
During 1401, a public bank was established in Barcelona that used to receive
deposit and discount bill of exchange. The bank of Amsterdam in England, the
development of banking business can mainly be attributed to the London
goldsmiths during the reign Queen Elizabeth. However, reign of goldsmiths
market a turning point in the history of English banking, which led to the
private banking and private banking and this in 1894 bank of England was
established.
In Indias Vedic period, banking was in the most issue form. The bank contained
references about policy of loan and rates of interest. In the time of Maury a
dynamic when Romans has invaded our country, there was a well- developed
money market which had official control. Later the merchants who were called
as moneylender performed the function of banking; some landlords also
performed the role of lenders.
Bank of Venice is supposed to be the most ancient bank. Originally it was not a
bank but was used for the transfer of public debts.
RESERVE BANK OF INDIA
The reserve bank of India is the central banking institutional. It is the

sole authority for issuing bank notes the supervisory body for banking operation
in India. It supervises and administers exchange control and banking regulations
and administers the governments monitory policy. It is also responsible for
granting licenses for the new banks branches.
RBI RESTRICTION
The reserve bank of India lays down restrictions on bank

lending and other activities with large companies. These restrictions, popularly
known as consortium guidelines seem to have and at the same time foster
competition between banks.
PRIIVATE AND FOREIGN BANKS
The RBI has granted operating approval to a few privately owned

domestic banks. Foreign banks have more than 150 branches in India. The entry
of foreign banks is on reciprocity, economic and political bilateral relations. An
inter- departmental committee approves applications for an expansion.
Local finance
All sources of local financing are available to foreign participation

companies incorporated In India, regarding of their extent of foreign
participation. Under foreign exchange regulations, foreigners and non-residents,

require the permission of the RBI to borrow from a person or company resident
in India.
INTRODUCTION TO SYNDICATE BANK
Type - public company
Traded as BSE: 532276
NSE: SYNDIBANK
Industry banking
Nature - Financial services
Founded udupi, 1925 (as canara industrial and banking syndicate limited)
Headquarters manipal, Karnataka, India
Key people shri sudhir kumar Jain (chairman and MD)
Products finance and insurance
Consumer banking
Corporate banking
Investment banking
Investment management

Private equity
Mortgages
Credit cards
Revenue - rs110 billion (us $ 1.8 billion) (2010)
Employees 25,569 (2010)
Syndicate bank is one of the oldest and major commercial banks of India. It was
founded by TMA pai, upendrapai and vamankudva. At the time of its
establishment, the bank was known as canara industrial and banking syndicate
limited. The bank, along with 13 major commercial banks of India, was
nationalised on 19 July 1969, by government of India.
BRIEF HISTORY
Syndicate bank was established in 1925 in udupi, the abode of lord Krishna in
coastal Karnataka with a capital of rs.8000/- by three visionaries Sri
UpendraAnanthpai, a business man, Sri Vamankudva, an engineer and Dr.
T.M.A pai, a physician- who shared a strong commitment to social welfare.
Their objective was primarily to extend financial assistance to the local weavers
who were crippled by a crisis in the handloom industry through mobilising
small savings from the community. The bank collected as low as 2 annas daily
at the doorsteps of the depositors through its agents under its pigmy deposit

scheme started in 1928. This scheme is the banks brand equity today and the
bank collects around rs. 2 crores per day under the scheme.
The progress of syndicate bank has been synonymous with the phase of
progressive banking in India. Spanning over 80 years of pioneering expertise,
the bank has created for itself a solid customer base comprising customers of
two or three generation. Being firmly rooted in rural India and understanding
the grassroots realities, the banks perception had vision of future India.
Its philosophy of growth by mutual sustenance of both the banks and people has
paid rich dividends. The bank has been operating as a catalyst of development
across the country with particular reference to the common man at the
individual level and in rural/semi urban centres at the area level.
The bank is well equipped to meet the challenges of the 21 st century in the areas
of information technology. Knowledge and competition. A comprehensive IT
plan is being put in place and the skills and knowledge of the banks personnel
are being upgraded through a variety of training programmes to promote
customer delight in every spheres of its activity.
BUSINESS
The business started with a capital of 8000 rupees. TMA pai,upendrapai and
vamankudva strove together to set up the bank. The first branch of the bank
started its operations in 1928 at udupi, in dakshin Kannada district in Karnataka
state. By 1937, it had secured its membership as a clearing house at Mumbai.
The primary objective of the business was to extend the financial assistance to
local weavers.
MERGERS

As time progressed, twenty banks merged with the canara industrial and
banking syndicate limited including the Maharashtra apex bank limited and
southern India apex bank limited. The name of the bank was changed to
syndicate bank limited in 1964 and the head office of the bank was shifted to
manipal. The bank expanded its operations not only on the domestic front but
also overseas. It has a branch in London and the bank manages national
exchange co. in Doha and musandam exchange co. in Muscat.
Currently it has over 3300 branches and all branches are offering core banking-
e-banking services under anywhere-anytime-anyhow banking. Syndicate bank
has one branch in London, United Kingdom.
REGIONAL RURAL BANKS
Syndicate bank sponsored the first regional rural bank in India by name
prathama bank, in Moradabad district Uttar Pradesh on 2 October 1975. The
stock of the syndicate bank is listed on Bombay stock exchange, national stock
exchange, Mangalore stock exchange Bangalore stock exchange. Syndicate
bank made a partnership with UNEP to initiate a successful solar loan
programme. It is a four- year $75855.6 million effort, launched in April 2003 to
help accelerate the market for financing solar home systems in southern India.
INTRODUCTION TO DEPOSIT
Adeposit account is a savings account, current account or other type of

bank account.at a banking institution that allows money to be deposited and
withdrawn by the account holder. This transaction is recorded on the banks
book, and the resulting balance is recorded as liability for the bank and
represents the amount owed by the customer. Some banks may charge a fee for
this service, while others may pay the customer interest on the fund deposits.
Individuals and corporations need to pursue their daily business. They place the
money on deposit to earn interest, using the money market.
Deposit account, a bank account that allows money to be deposited and

withdrawn by the account holder.
Demand deposit, the funds held in demand deposit accounts in
commercial banks.
Damage deposit, a sum of money paid in relation to a rented item or
property to ensure it is returned in good condition.
Term deposit accounts are a fixed return option to compare against high
interest saving accounts, however high interest savings accounts now feature
very comparable interest rates to those offered on term deposits (historically
term offered far higher rates of interest than a traditional savings account). The
key difference is that the interest rates on savings accounts are available.
INTRODUCTION TO DEPOSIT MOBILISATION
As we already know, the main business for banks is accepting deposits

and granting loans. The more the loans the banks disburse the more profit they
make. Also banks do not have a lot of their own money to give as loans. They
depend on customer deposits to generate funds for granting loans to other
customers. So a deposit mobilization scheme would encourage customers to
deposit more cash with the bank and this money in return will be used by the
bank to disburse more loans and generate additional revenue for themselves.

TYPES OF DEPOSIT
Current deposit
Saving deposit
Fixed deposit
Recurring deposit
Miscellaneous deposit
Demand deposit
Call deposit
Term deposit
Cash certificate
Endowment deposit
Security deposit
Money deposit
CURRENT DEPOSIT
Current deposit can be withdrawn by the depositor
at any time by cheques. Business generally open current account with
banks. Current accounts do not carry any interest as the amount
deposited. In these accounts is repayable on demand without any
restriction.
SAVINGS DEPOSITS
Savings deposit account is meant for individuals
who wish to deposit small amounts out of their current income. A saving
account can be opened with or without cheque book facility. Savings
account holders are also allowed to deposit cheques, drafts, dividend
warrants, etc. drawn in their favour for collecting by the banks.

FIXED DEPOSITS
The term fixed deposit means deposit repayable after
the expiry of a specified period. Since it is repayable only after a fixed
period of time, which is to be determined at the time of opening of the
account, it is also known as time deposit.
CURRENT DEPOSITS
Under this type of deposit, the depositor is
required to deposit a fixed amount of money every month for a specific
period of time. After the completion of the specified period, the customer
gets back all his deposits along with the cumulative interest accrued on
the deposits.
MESCALLANIOUS DEPOSIT
Banks have introduced several deposit schemes to attract deposit from
different types of people, like home construction. Deposit scheme,
sickness benefit scheme, children gift plan, old age pension scheme, mini
deposit scheme. Etc.
DEMAND DEPOSITS
The deposit terminology , the term demand deposit
refers to a type of account held at banks and financial institutions that
may be withdrawn at any time by the customer. The majority of such
demand deposit accounts are checking and savings accounts.
For example, a demand deposit was once thought applicable only to
checking accounts nevertheless, because of the immediate availability of
funds deposited in savings account and money market account. There are
now often also considered demand deposits.
CALL DEPOSIT
The deposit terminology, the term call deposit refers to a
specific type of interest bearing investment account that allows a person
to withdrawn their money from the account without a penalty. In many

cases the money can be withdrawn from a call deposit account without
prior notification to the bank.
For example, a person with a call deposit account, besides earning a
favourable rate of interest, also has considerably more access to their
money than people with their money invested in other type of accounts.
TERM DEPOSIT:
The phrase term deposit refers to a savings account or
certificate of deposit that pays a fixed rate of interest until a given
maturity date. Funds placed in a term deposit usually cannot be
withdrawn prior to maturity or they can perhaps only be withdrawn with
advanced notice and by having a penalty assessed.
A term deposit will often be used by individuals, business and financial
institutions around the world as a means of storing their liquid funds for a
fixed period of time for future use.
CASH DEPOSIT:
Cash certificates are a type of deposit that is purchased for a certain
amount. The account holder purchases the cash certificate for a certain
amount, but needs to make payments towards this amount only as long as
the term of the certificate lasts.
ENDOWMENT DEPOSIT
An investment fund set up by an institution in
which regular withdrawals from the invested capital are used for on-going
operations or other specified purpose. Endowment funds are often used
by non-profits, universities, hospitals and churches. They are funded by
donations, which are tax deductible for donors.
There are three main components to the typical endowment fund;

1. Investment policy: This policy dictates the type of investments the

manager can make and how aggressive he or she can be in meeting
return targets.
2. Withdrawal policy: This policy determines the amount that the

institution can take from the endowment fund at each period and is
usually based on the institutions needs as well as the amount
remaining in the fund.
3. Fund usage policy: This policy ensures that the money from the
endowment fund is being used properly and for the purposes set out
by the fund.
SECURITY DEPOSIT:
The term security deposit refers to an amount of
money paid in advance and held in reserve in the event of the depositor
failing on a contractual obligation. It is used by banks to secure credit
cards for questionable borrowers as well a substantial security deposit
when you open your internet merchant account. Deposits are also
commonly provided by tenants to help protect the landlords in a real
estate lease.
A security deposit will often be put down on a new lease of a property or
home. The security deposit would consist of an advance amount of
money which is required by the leader of the property from the tenant in
order to cover any expenses the landlord might incur after the lease was
up, and the tenant moved out.

MONEY DEPOSIT: Bank demand deposits which can be used as

money through drawing checks.
A deposit made to a seller showing the buyers good faith in a transaction.

Often used in real estate transactions, earnest money allows the buyer
additional time when seeking financing. Earnest money is typically held
jointly by the seller and buyer in a trust or escrow account.
An earnest money deposit shows the seller that a buyer is serious about
purchasing a property. When the transaction is finalized, the funds are put
towards the buyers down payment. If the deal falls through; the buyer may not
be able to reclaim the deposit. Typically, if the seller terminates the deal, the
earnest money will be returned to the buyer. When the buyer is responsible for
retracting the offer, the seller will usually be awarded the money.

RESEARCH DESIGN
TITLE OF THE STUDY:
A STUDY ON DEPOSIT MOBILISATION IN
SYNDICATE BANK.
INTRODUCTION
A research design is a systematic plan to study a scientific problem. The design

of a study defines the study type (descriptive, correlation, semi-experimental,
experimental, review, meta-analytic) and sub type (e.g. Descriptive-
longitudinal case study), research question, hypotheses, independent and
dependent variables, experimental design, and if applicable, data collection
methods and a statistical analysis plan.
A research design is a purposeful scheme of action proposed during the process
of research focusing on the problem to be tackled. It is a guideline for the
researcher to enable him to keep track of his actions and to know whether he
was moving in the right direction in order to achieve his goal. The design has a
specific presentation of the steps in the process of the research.
1 RESEARCH
A systematic search for an answer to a question or a solution to a problem is
called research.
According to black and champion scientific research consist of obtaining
information through empirical observation that can be used for the systematic
development of logically relates propositions attempting to establish casual
relation among variables.
2.1 RESEARCH DESIGN

Research design is a method and procedures for acquiring information needed

to solve problem a research design is nothing but the collection or analysis it
specifies the types of information to be collected the sources and data collection
procedures a good research design will ensure that the data collected is relevant
to the objective to be achieved.
Seven steps in research design

a) Specify the objective
b) Prepare the list of information
c) Design the data collection
d) Select a sample
e) Determine a sample size
f) Organize a field work
g) Analyze the data and report the findings
2.2 STATEMENT OF PROBLEM

A study of loans and advances in syndicate bank the topic has been selected to
study lending activities of the bank and to know the functional activities
covered by bank regarding loans and advances.
2.3 TYPE OF STUDY

Study is conducted on a diagnostic research basis it is concerned with
discovering and testing whether certain variables are associated. Here a
diagnostic study is originated towards discovering and also the efficiency of the
organization
.
2.4 SCOPE OF THE STUDY

Scope of the study is to determine the profitability and financial position of the
bank. Through pie charts by using past and present data. This study of loans and
advances helps the bank to ratify their limitation and plans for their better
performance
2.5 OBJECTIVE OF STUDY

Objective of the research mainly:-
a) To oversee the position of the company by analyzing their financial
statements.
b) To evaluate the growth of loan trend by the past 5 years.
c) To the analysis done or compared with the actual research findings of the
bank based on
What observation will be made?
2.6 SOURES OF DATA

a)Primary data : -financial statement. Data regard various loans and advances.
b) Secondary data: - it as been collected from the secondary source

Internet
Annual reports
Bank jourenals.
2.7 REVIEW OF LITRATURE

In the words of C.E Sulton, The study of loans is the calcuation of probable events, to
provide against the future. It therefore, involves a look ahead in the business and an idea.
predetermination of events and their financial implication as in the case of budgeting.

RESEARCH QUESTION:
Specifying the research question is the methodological

point of departure of scholarly research in both the natural and social
sciences. The research will answer the question posed. At an
undergraduate level, the answer to the research question is the thesis
statement. The answer to a research question will help address a
research problem which is a problem readers think is worth solving.
Specifying the research question is one of the first methodology steps the
investigator has to take when under taking research. The research
question must be accurately and clearly defined. Choosing a research
question is the central elements of both quantitative and qualitative
research and in some cases it may precede construction of the conceptual
framework of study. In all cases, it makes the theoretical assumptions in
the framework more explicit, most of all it indicates what the researcher
wants to know most and first.
The researcher then carries out the research necessary to answer the
research question, whether this involves reading secondary sources over a
few days for an undergraduate term paper or carrying out primary
research over years for major project. When the research is complete and
the researcher knows the answer to the research question, writing up can
begin.
TYPES AND PURPOSE:
The research question serves two purposes:

1. It determines where and what kind of research the writer will be

looking for and
2. It identifies the specific objectives the study or paper will address.
Therefore, the writer must first identify the type of study (qualitative,
quantitative, or mixed) before the research question is developed.
A qualitative study seeks to learn why or how, so the writers research must be
directed at determining the what, why and how of the research topic.
A quantitative study seeks to learn where, or when, so the writers research must
be directed at determining the where, or when of the research topic.
A mixed study integrates both qualitative and quantitative studies, so the

writers research must be directed at determining the why or how and the what,
where or when of the research topic.
DATA SOURCES:
Existing archival sources;

Student grades
Attendance
Referrals
Retentions
Demographic data
Standardized test results
Conventional sources;
Surveys
Simple interviews
Number of books read
Writing samples
Variety of materials used
Observations
Journals

Inventive sources;
Exhibits
Portfolios
Expositions
Videotapes
Performance
Photography
STATEMENT OF THE PROBLEM
The syndicate bank is dealing in monetary transactions. The main day to day
transaction of the bank is receiving deposits and availing advances and
investing the funds.
This analysis of deposit is to determine the areas of deposit. These areas are
term deposit, saving bank deposit, home deposits, current deposit and other
deposit.
SAMPLING METHOD
Here the study is based on complete enumeration method i.e. data are collected
for each and every item of expenses involve as the case may be, of the
population or universe. The advantage of this type of survey will be that no time
is left out and hence greater accuracy may be ensured. However the efforts,
money and timerequired for carrying out complete enumeration will generally
be extremely large.
LIMITATIONS OF THE STUDY

The study was restricted to branches of the syndicate bank,

due to paucity of time.
Limitations of time and resources to study such a vast subject

of deposit mobilization.
As per organizational practice of keeping data confidential,

collection of relevant data needed for study was difficult.
BANK PROFILE
Background of the company:

Syndicate bank is one of the major public sector banks in India.

The bank provides a range of financial products and services to the retail
customers, including housing loans, retail trade loans, vehicles loans,
consumer loans, educational loans, mortgage loans and investment loans.
They also offer services, such as telebanking, short messaging services
banking and data warehousing. The bank delivers their products and
services through their extensive branch network, extension counters,
ATMs, phone banking and the internet.
As of march 2008, the total branch network of the bank was 2,169,
comprising of 644 rural, 492 semi urban, 508 urban and 52 metro
branches. The bank has 21 specialised SME branches, 11 extensions-
Counters, 9 satellite banks was established in the year 1925 in udupi,

Karnataka by upendraananthpai, TMA pai and varmankuduva. The
business of the bank was commenced on November 10, 1925 with the
name canara industrial and banking syndicate ltd.
In the year 1966, the bank set up economic research department and in
the year 1967, they launched agri card, a ready credit facility for farmers.
The bank was nationalised on July 19, 1969. The bank opened Indias
first regional rural bank, namely prathama bank at Moradabad in Uttar
Pradesh on October 2, 1975. In the year 1976, they opened their first
overseas branch at London.
During the year 1983-84, the bank took up the management of A1 shabei
finance and exchange co in Doha and musandam exchange co in Muscat.
In the year 2000, the bank opened first specialised capital market services
branch at Mumbai. In the year 2002, the bank launched centralized

banking solution under the brand name syndicate-e-banking at Mumbai,

Delhi, Bangalore and manipal.
In February 2008, the bank signed a memorandum of understanding
under corporate agency tie up arrangement with export credit Guarantee
Corporation of India ltd for marketing their various export insurance
products through their designated branches. The tie up will offer solutions
to exporters in insuring their export credit and would also cater to
individual requirements of exporters against payment risks due to default
by buyers or due to other commercial and political risks in export of
goods and services.
Key executives;
Sudhir kumar Jain, chairman and managing director.
Ravi chatterjee, executive director
M Anjaneya Prasad, executive director
H pradeeprao, nominee (govt)
BOARD OF DIRECTORS

Chairman and managing director Sudhir kumar Jain
Executive director Ravi chatterjee

M anjaneyaPrasad
Nominee(gvt) H pradeeprao
Director (workmen employee) Narendra L dave
Director (officer employee) Dinkar s punja
Nominee (gvt) Dilip kumar saxena
Director (part time non official) Jagdish raj shrimali

Nominee (gvt) Ramesh L adige
Director (part time non official) CR Naseerahamed
Director (shareholder) Anand k pandit
Jasleennsori
Company secretary R Ravi
Nominee M rajeshwarrao
Director (official employee) Manjrekarsanjayanant
Executive director T K Srivastava
STOCK HISTORY
Dividend
Year end Dividend per Dividend Remarks

share (%)
20-jan-14 2.5 25.0 Interim
14-jun-13 6.7 67.0 Final
11-jul-12 3.8 38.0 Final
15-jun-11 3.7 37.0 Final
16-jun-10 3.0 30.0 Final
17-jun-09 1.5 15.0 Final
20-apr-09 1.5 15.0 Interim
13-jun-08 1.3 13.0 Final

28-mar-08 1.5 15.0 Interim

12-jun-07 1.3 13.0 Final
06-dec-06 1.5 15.0 Interim
20-may-05 0.0 14.0 Final
CASH FLOW
Particulars Mar-13 Mar-12 Mar-11
Cash and cash equivalents at 13,884.27 11,965.65 12,733.85

beginning of the year
Net cash from operating activities 2,497.18 2,247.86 -748.52
Net cash used in investing activities -212.68 -113.38 -72.55
Net cash used in financing activities 415.48 -215.86 52.87
Net inc/(Dec) in cash and cash 2,699.98 1,918.62 -768.20
Cash and cash equivalents at end 16,584.25 13,884.27 11,965.65
MANAGEMENT DISCUSSIONS
Macro-economic scenario global perspective:

The global economy is at the brink of turbulence as euro area
continues to pose a large downside risk to the global outlook. Available
data on the world economy points to continuing low growth or recession
in all the major countries, keeping the global finance condition still
fragile and vulnerable. Such global imbalance has constrained the policy
makers across the globe to collectively economy are to be pulled out from
the morass of downward growth spiral.
Domestic development:

Against this backdrop, countrys GDP registered a

significant downfall, as per cso estimate, from 6.2per cent in 2011-12 to
5.0 per cent in 2012-13, due to sluggish industrial activity, moderation in
service sector growth, stalled investment, weakening domestic
consumption, and bleak external demand. Agriculture, industry and
services sector grew by 1.8percent and 6.6 present respectively during
2012-13 as against 3.6 per cent, 3.5 per cent and 8.2 per cent registered
during 2011-12.
External sector growth
The cumulative value of exports for the period April- march 2012-13, in
US dollar terms was USD 300570.58 million as against USD 305963.92
million for April-march 2011-12 registering a negative Y-O-Y growth of
1.76 per cent.
SyndNivas: (housing loan scheme)
This scheme is made more attractive with reduction of rate of interest

andenhascing the maximum repayment period up to 30 years, the first
interest bracket up to rs 75.00 lakh is charged at base rate.
COMPANY HEAD OFFICE/ QUARTERS:
Post box no 1 syndicate bank,

Golden Jubilee Auditorium,

Manipal,
Karnataka-576104
REGISTRARS:
Karvy computer share pvt ltd
Plot no 17-24
Vital raonagar
Madharpur, Hyderabad- 500081.
BOARD OF DIRECTORS
sri CR NaseerAhamedsri M G Sanhvi
h pradeeprao

Smtjasleennsurisri M Anjaneyaprasad
srijagdish Raj shrimall srivastava
SYNDICATE BANK
PERSONNAL DEPARTMENT
STAFF WELFARE DIVISION (RETIRNMENT BENIFITS)
PL Encashment
Gratuity
Pension

Commutation
Family pension
Life certificate
Additional Gratuity to employees dying in harness
Scheme for writing off liabilities of employees dying in

harness;
The liabilities are to be written off in the following

orders only
a. Festival advance
b. Sundry advance outstanding
c. Unsecured loans such as DL and ODC
d. Vehicle loan
e. Additional housing loan @PLR
f. Staff housing loan
Scheme for reimbursement of educational expenses of the

children of deceased employees.
Payment of funeral expenses to the dependents of employees

dying in harness.
Death relief scheme.
Holiday home facility
Mediclaim insurance cover for superannuated employees
Reimbursement of medical expenses to super annuated

employee of deceased superannuated employees
Photo ID cards to superannuated employees
Reimbursement of premium on SyndAragya Policy to all

superannuated employees
Reimbursement of medical expenses to pre 01.01.1986

superannuated employees

Memento on superannuation
Commercial employment
Services charges to ex-staff members
SB Account with or without cheque book
Benefit of additional interest
MISSION
The mission articulated for each of the functional areas of the bank is
highlighted below:
Information technology: To harness the state of the art technology,

network all branches, create an enterprise- wide data warehouse for
the bank.
Profitability: To make every branch a profit centres and ensures best
possible returns to the stakeholders.
Risk management: To continuously upgrade the risk management
system and processes.
MISSIONSTATEMENT (2011-2021)
To achieve consistent growth in business.
To endeavour for inclusive development and ensure service excellence

through effective harnessing of human capital and technology.
VISION STATEMENT (2011-2021)

To be as Bank of choice of every Indian
And
A preferred Banking Partner globally.
QUALITY POLICY:
Following are some of the rules and regulations provided by the bank for
the benefit of customers:
Avail nomination facilities to a/c holders including savings bank a/c and
current a/c holders.
Bank will exchange mutilated currency notes as per RBI guidelines.
Bank will give standing instructions for the payment of bills, rents,
interest, insurance etc. banks provide required and important guidelines to
the locker holders.
NATURE OF THE BUSINESS CARRIED:
The Syndicate Banks nature of the business carried is as following

under the points
Cash receipts/ deposits.

Cash withdrawals.
Sanction and disbursement of loans.
Locker facilities.
Updating and issuing of new pass book and cheque books.
Issuing demand drafts.

The bank has prescribed certain time norms on banking transaction for the
benefit of the customers. These norms are given below:
Pass book will be updated immediately within 24 hours.

Customers can purchase a demand draft within 30 minutes.
Nomination facility is made available.
Cheque books are issued on demand from depositors.
Deposit from customers
The heart of the bank is its customers and it operates its borrowing and lending
activities through its customers money itself. The bank is mainly concentrate
on merchants and the general public in the city. It accepts deposits from all of its
customers to lead its day to day transactions. The bank has offer different types
of accounts such as Savings Bank Deposit Accounts, current Deposit Accounts,
Fixed Deposit Account, cumulative Term Deposit Account, and Man gala cash
certificate deposit Account to its customers to deposit their money to deposit
their money in the bank.
Syndbank services ltd. (BPO)
The syndicate bank has promoted SyndBank services limited as a wholly

owned subsidiary to undertake BPO activities. The subsidiary, incorporated as a
government company commenced its operation in March, 2006.
This BPO Company is undertaking/ authorized to undertake the following

activities.
Bank office functions relating to debit cards, credit card, ATMs,

Bancassurance Business and new products of the banks.
Managing BCTT, services Tax collection and Bonds Issue
Undertaking credit rating of Banks borrowers.

PRODUCT AND SERVICES
Syndicate bank offers a number of varied products under deposit advances to

suit the needs of all types of customers like cash management services, RTGs,
NEFT for electronic fund transfer and speed clearing.
Deposit products:
Operating deposit products

Savings bank account
Current account
Syndsamanya savings bank account
Special products in syndicate-e-banking
Premium savings account
Multi-city current account
Multi-city SB Account
Term deposit products
Fixed deposit
Syndtax shield deposit
Vikas cash certificate
Syndicate suvidha deposit
Social security deposit
Recurring deposit
Synd corporate suvidha deposit scheme.
LAON PRODUCTS
The bank is meeting varied personal credit requirements of
different classes of people through the following loan schemes under
personal banking.
Retail loan products

The bank is meeting varied personal credit
requirement of different classes of people through the
following loan schemes under personal banking.
Syndsaral
SyndSenior

SyndRent
SyndPigmy
SyndVidya.etc.
Agricultural loan product

SyndKissanTatkal
Synd jai Kisan
Syndicate Farm House scheme
Land Development scheme
Animal Husbandry schemeetc.
Other priority sector Loans

Solar water Heating systems
(Applicable only for solar systems financed for industrial units)
Scheme for financing Rural Tourism
Synd solar Jyothi scheme

SYNDICATE GIOBAL CARD:
Syndicate global credit card,
Syndicate bank global credit card is issued in association with

VISA.
Cash withdrawal facility (15%for classic cards and 25% for
gold cards) through our banks ATMs at concessional charges.
Free credit period varies from 20 days to 50 days
Free accident insurance cover (against loss of life
only)available to all credit cardholders stands withdrawn
w.e.f.31.10.2006

Syndicate global debit card
Syndicate bank global debit-cum ATM card brings us the Convenience of the
accessing our money ANYTIME and from ANWHERE globally we can transact
in any currency,but pay in Indian rupees.it is a convenient e-walletvalid in India
and abroad. The card is offered for all eligible accounts with any of syndicate-e-
banking (CBS) branches of the bank.
SYNDICATE-E-BANINGSyndicate bank has always recognized that

information technology is an essential part of banking.
A) core banking solution (syndicate-e-banking)

The bank is the first among the public sector banks to
implement care banking solution (CBS)
The CBS project has enabled the bank to deliver banking

products and services over multiple delivery channels like
networked ATMs, telebankingetc.
B) ATM network
The bank has rapidly expanded the ATM network considering the
fact that ATMs have become the most acceptable delivery channels
C) Internet banking
.e ticketing for railway ticket reservation
. Utility bill payment through internet banking
. Payment of direct and indirect taxes for both individuals and
corporates.
DELIVERY CHANALS

a. Automated teller machines (ATMs)

ATMs offer the convenience of withdrawing/depositing cash and
performing other banking transactions without having to visit the
branch during pre-fixed business hours.
b. Tele-banking services
Undertaking a host of banking related services including financial
transactions from the convenience of your chosen place anywhere
across the GLOBE and any time of date and night has now been
made possible by introducing on-line telebanking services.
c. Internet banking
Internet banking of syndicatebank is a very simple user friendly facility.it can be

accessed through our website syndicatebank.in.
ACHIEVEMENTS
Awards won by the Bank over the Years

1972 INDIAN MERCHANTS CHAMBER AWARD for outstanding

contribution towards welfare community.
1975 FICCI AWARD for outstanding achievements in agriculture.
INTERNATIONAL AWARD BY JAYCEE INTERNATIONAL
for self-employment.
1981 NATIONAL INVESTMENT AND FINANCIAL AWARD for

priority sector lending.
1990 CHAUDHARI CHARAN SINGH MEMORIAL NATIONAL

AWARD for rural development.
1999 FICCI AWARD for institutional initiative in the field of rural

development to RUDSETI jointly sponsored by syndicate
Bank.
2001 BANKING TECHNOLOGY AWARD for innovates use of
Banking Applications on INFINET awarded by IDRBT,
Hyderabad.
2003 BANKING TECHNOLOGY AWARD CONFERRED ON
SYNDICATE BANK by IDRBT, Hyderabad for 2003.
2006 Best Core Banking project award for large in 2006 awarded by
the Asian Banker.
2009-2010 The Bank received second Best award in the area of education
Loans from NDTV profit.
2010-2011 The bank received National Award for excellence in lending to
micro enterprises from the Ministry of MSME, Govt of India.
TABLE-1

CHAPTER-4
TABLE SHOWING GLOBAL DEPOSITS
SL.NO YEAR AMOUNT PERCENTAGE

(%)
1 2009 115885 100
2 2010 117026 100.98
3 2011 135596 117
4 2012 157941 136.29
5 2013 185356 159.94
ANALYSIS
From the above table we can understand the increase of savings bank deposits
mobilisation for five years when compare to the base years(2009) deposit it
has been increased by 0.98%,17%,36.29%, 59.94% in these subsequent four
years(respectively) i.e, 2009, 2010, 2011,2012,2013.
GRAPH-1

GRAPH SHOWING GLOBLE DEPOSITS
PERCENTAGE
2009 2010 2011 2012 2013
16%
26%
16%
22%
19%
INTERPRETATION:
From the above graph we can understand the global deposit mobilisation.
Through this we can observe that the deposit mobilisation is been increasing. In
the year 2009 it was 16.28% and in the year 2013 it has increased to 26.04.
TABLE-2

TABLE SHOWING DOMESTIC DEPOSITS
SL.NO YEARS AMOUNT PERCENTAGE

(%)
1 2009 108688 100
2 2010 109689 100.96
3 2011 126796 116.66
4 2012 147707 135.90
5 2013 167055 153.70
ANALYSIS
From above the table we can understand the increase of savings bank deposits
mobilisation for five years when compare to the base years (2009) deposits it
has been increased by 0.96%,16.66%,35.90%,53.70% in the subsequent four
years (respectively) i.e, 2009,2010,2011,2012,2013.
GRAPH-2

GRAPH SHOWING DOMESTIC DEPOSITES
Chart Title
180
160
140
120
100
80
60
40
20
0
2009 2010 2011 2012 2013
Column2
INTERPRETATION:
Through the above graph we can understand the domestic deposit mobilisation
of 5 years. Through this we can interpret that the saving habit of the people has
been increased and also is increasing when compared to previous years.
TABLE-3

TABEL SHOWING CORE DEPOSITS
SL.NO YEARS AMOUNT PERCENTAGE

(%)
1 2009 78114 100
2 2010 85571 109.54
3 2011 87434 111.93
4 2012 108650 139.09
5 2013 127541 163.27
ANALYSIS:
The above table no.3 shows core deposits mobilisation amounts in percentages
of 5 years from 2009-2013. The core deposits % amount is in increasing trend.
In the year 2009 it was 100%. In 2010 it was 109.54%, where as in the year
2011 it was 111.93%. In 2012 the percentage has increased to 139.09%, in the
last year that is in 2013 the percentage was 163.27%.
GRAPH-3
GRAPH SHOWING CORE DEPOSITS

Chart Title
180
160
140
120
100 Series 3
80
60
40
20
0
2009
2010
2011
2012
2013
INTERPRETATION
From the above graph we can conclude that, the percentage of amount deposited
inthe core deposits. It shows considerable increase in the deposits. If the same
trend continues in future, the source of funds of the bank will increases.
TABLE-4
TABLE SHOWING CARD RATED TERM DEPOSIT

SL.NO YEARS AMOUNT PERCENTAGES

(%)
1 2009 46711 100
2 2010 49528 106.03
3 2011 45744 97.92
4 2012 62172 133.09
5 2013 75614 161.87
ANALYSIS:
From the above the table we can analyse that, the card rated term deposits is
going on increasing from 2009 to 2013 in 2009 it was 1oo% in the year 2013 it
has increased to 161.87%.
GRAPH-4
GRAPH SHOWING CARD RATED TERM DEPOSIT

percentage
180
161.87
160
140 133.09
120 106.03
100 97.92 percentage
100
80
60
40
20
0
2009 2010 2011 2012 2013
INTERPRETATION
From the above graph we can understand that, percentage of amount collected
on card rated term deposits increased in the year 2010 when compare to
previous, but it has been decreased in the year 2011. Since, the bank should take
some remedial measures to improve this level.
TABLE-5

TABLE SHOWING CURRENT ACCOUNT AND SAVINGS ACCOUNT

(CASA)

(%)
1 2009 31403 100
2 2010 36043 114.77
3 2011 41690 132.75
4 2012 46478 148.00
5 2013 51927 165.35
ANALYSIS:
From this table we can analyse that CASA deposits in the year 2009 it was
100%, in the year 2010 it was 114.77%, in the year 2011 it was 132.75%, in
2012 it was 148.00%, and in 2013 it has increased to 165.35%.
GRAPH-5
GRAPH SHOWING CURRENT ACCOUNT SAVINGS ACCOUNT

(CASA)

percentage
2009 2010 2011 2012 2013
15%
25%
17%
22%
20%
INTERPRETATION:
From the above graph the syndicate banks total deposits showing an increasing
trend due to an effective utilisation of funds received by the public and during
the year 2010 they had very good returns, and they kept on receiving the profit
in increasing order till the year 2013.
TABLE-6

TABLE SHOWING CURRENT DEPOSIT

(%)
1 2009 9948 100
2 2010 9679 97.29
3 2011 10484 105.38
4 2012 12183 122.46
5 2013 13910 139.82
ANALYSIS:
We analyse that from the table no 6 showing the percentage of current deposit in
the year 2009 was 100%, in the year 2010 it was 97.29%, in the year 2011 it
was increase to 105.38%, and in the year 2012 it was increase to 122.46%,
finally in the year 2013 it has increase to 139.82%.
GRAPH-6

GRAPH SHOWING CURRENT DEPOSITS
percentage
140
120
100
80
60
40
20
0
2009 2010 2011 2012 2013
percentage
INTERPRETATION:
From the above graph we can conclude that in the year 2010 there is decrease in
deposit from public due to some ineffective communication of bankers with the
depositors. After that they realise their mistakes and corrected which made
them to increase the deposits from outside. In the next year, that is in the year
2011 which has increase to 18.65 and they kept on behaving the same thing,
finally during the year 2013 they has very good deposit that is 24.75
Table 7
TABLE SHOWING SAVINGS BANK DEPOSITS


(%)
1 2009 21455 100
2 2010 26364 122.88
3 2011 31206 145.44
4 2012 34295 159.84
5 2013 38017 177.19
ANALYSIS:
Frome the above table we can understand the increase of savings bank deposit
mobilisation for five years when compare to the base years (2009) deposit it
has been increased by 22.88%,45.44%,59.84%,77.19% in these subsequent four
years (respectively) i.e, 2009,2010,2011,2012,2013.
Graph 7
GRAPH SHOWING SAVINGS BANK DEPOSIT

percentage
180
160
140
120
100
percentage
80
60
40
20
0
2009
2010
2011
2012
2013
INTERPRETATION:
From the above graph we conclude that, the banks earnings in the year 2013
shows the highest percentage in the savings deposits, compared to previous
year. In 2009 and 2010 it has been decreased. But it has slightly increased in
2011 and 2012 it shows considerable increase in deposit if same trend continues
in future, the source of fund of the bank increases.
Table 8
TABLE SHOWING ON BULK DEPOSIT

1 2009 28417 100
2 2010 20356 71.63
3 2011 35114 123.56
4 2012 33433 117.65
5 2013 29715 104.56
ANALYSIS
From the above table we can analyse that, the bulk deposits. In 2009 the amount
deposited percentage is 100% in the year 2010 it was 71.63% in the year 2011 it
was 123.56% in the year 2012 it was 117.65% in the year 2013 it was 104.56%.
Graph 8
GRAPH SHOWING BULK DEPOSIT

percentage
140
120
100
80 percentage
60
40
20
0
2009 2010 2011 2012 2013
INTERPRETATION:
From the above the graph we can interpret that, the percentage of amount
collected on bulk deposit has increased in the year 2009 after that it has been
decreased compare to previous year in 2011 it was highest percentage but in
2012 and 2013 decreased they should undertake certain steps to improve the
percentage level.
Table 9

TABLE SHOWING OF DIRECTORATE OF REVENUE

INTELIGENCE(DRI)

(%)
1 2009 19819 100
2 2010 11945 60.27
3 2011 24142 121.81
4 2012 22101 111.51
5 2013 18457 93.12
ANALYSIS:
From the above table we can understand the fluctuations of savings bank
deposit mobilisation for five years when compare to the base years(2009)
deposit it has been decreased by 40% in 2010, increased by 21.81% in 2011,
increased by 11.51% in 2012, decreased by 6.88%.
Graph 9
GRAPH SHOWING DRI DEPOSITS

percentage
2009 2010 2011 2012 2013
19% 21%
12%
23%
25%
INTERPRETATION:
From the above graph we can interpret that the earnings of the bank has been
fluctuating, that is in the year 2009 the percentage of deposit was 21%, but
suddenly in the next year due to some problem the earnings of the bank has
come down that is 12%, but no matters when the year 2011 the bank earned
25% of huge deposit, in 2012 it has earned 23% of deposit. Again the bank
earned less earnings in 2013 when compare to previous year i.e, 19%.
Table 10

TABLE SOWING CERTIFICATE OF DEPOSITS

(%)
1 2009 8598 100
2 2010 8411 97.82
3 2011 10973 127.62

4 2012 11332 131.79
5 2013 11258 130.93
ANALYSIS:
From the above table we can understand the fluctuations of savings bank
deposits mobilisation for five years when compare to the base years (2009)
deposit it has been decreased by 2.18% in 2010, then it has been increased by
27.62%,31.79%, 30.93% in these subsequent three years (respectively) i.e,
2011, 2012, 2013.
Graph 10

GRAPH SHOWING CERTIFICATE OF DEPOSIT
percentage
percentage
2013 130.93
2012 131.79
2011 127.62
2010 97.82
2009 100
INTERPRETATION:
From the above graph we can interpret that the earnings of the bank from the
depositors or outsiders year by year, that is in the year 2009 it has earned 100%,
then in the next year i.e, in 2010 it has come down to 97.82%. in the year 2011
the percentage has increased to 127.62%., in the year 2012 the bank has earned
131.79%, in the year 2013 due do some advantage the percentage of deposit has
increased to 130.93%.
Table 11
TABLE SHOWING BANK DEPOSITS

SL.NO YEAR AMOUNT PERCENTAGE (%)
1 2009 8598 100
2 2010 8411 97.82
3 2011 10973 127.62
4 2012 11332 131.79
5 2013 11258 130.93
ANALYSIS:
From the above table we can understand that the fluctuations of savings bank
deposits mobilisation for five years when compare to the base years (2009)
deposit it has decreased by 2.18% in 2010, increased by 27.62% in 2011,
increased by 31.79%, 30.93 in these subsequent two years (respectively) i.e,
2012 and 2013.
GRAPH-11
GRAPH SHOWING CERTIFICATE OF DEPOSIT

percentage
percentage
127.62 131.79 130.93
100 97.82
2009 2010 2011 2012 2013
INTERPRETATION:
From the above graph we can analyse that there is increasing percentage of
earnings of the bank- in the year 2009 the bank has earned 100% due to some
dis advantage of bank the bank has earned less than the previous year I,e,
97.82%. Again in the next year that is in 2011 the bank has earned 127.62%,
having the same advantage the bank has got increased earnings in 2012 that is
131.79%, finally due to continues effort the bank has received huge earnings in
the last year that is 130.93% in 2013.
TABLE-12

TABLE SHIWING THE EFFECT OF DIFFERENT
Deposits 2009 % 2010 % 2011 % 2012 % 2013 %

115885 16 117026 16. 135596 19 157941 22.1 185356 26.0
Global .2 44 .0 8
deposits 8 4
Domestic 108688 16 109689 16. 126796 19 147707 22.3 167055 25.3
deposits .4 62 .2 8
6 1
Core deposits 78114 16 85571 17. 87434 17 108650 22.2 127541 26.1
5 .9 9
Card rated 46711 16 49528 17. 45744 16 62172 22,2 75614 27
term deposits .6 7 .3
5
Current/savin 31403 15 36043 17. 41690 20 46478 22.3 51927 25
gs a/c .1 36 9
deposits(CAS 3
A)

KINDS OF DEPOSIYST
30
25
20
global deposites
domestic deposites
15
core deposites
card rated rerm deposites
CASA
10
0
2009 2010 2011 2012 2013
TABLE SHOWING THE EFFECT OF DIFFERENT
KINDS OF DEPOSITS(CONTINUE)
DEPOSITE 2009 % 2010 % 2011 % 2012 % 2013 %

S

Current 9948 17.6 9679 17.22 10484 18.6 12183 21.67 13910 24.75
deposits 9 5
Savings 21455 14.1 26364 17.42 31206 20.6 34295 22.66 38017 25.12
bank 7
deposits
Bulk 28417 19.3 20356 13.84 35114 23.8 33433 22.73 29715 20.20
deposits 2 8
DRI deposits 19819 20.5 11945 12.38 24142 25.0 22101 22.91 18457 19.13
4 2
Certificate 8598 17.0 8411 16.33 10973 21.6 11332 22.40 11258 22.26
of deposits 0 9
Bank 2157 8.42 3762 14.70 4248 16.6 5624 21.97 9799 38.29
deposits 0
GRAPH SHOWING THE EFFECT OF DIFFERENT
7 KINDS OF DEPOSITS(CONTINUE)

40
35
30
25
current deposits
savings bank deposits
20 bulk deposites
DRI deposits
certificate of deposits
bank deposits
15
10
0
2009 2010 2011 2012 2013

ANALYSIS
From the above table we can analyse the various types of deposits
mobilised by the syndicate bank. Here we can see the current deposit,
saving deposit, bulk deposit, DRI deposit,certificate Card rated term
deposit, bank deposit of the bank.
More amounts of card rated deposits have been collected in the year
2013. And in 2009 and 2010 it has been decreased, in 2011-12 again it
has increased.
Through the table we can understand, domestic deposit has increased year
by year and then it reached to the highest percentage in 2012 and 2013.
In this table amount has highest percentage in 2013 of bank deposit.
In the year 2009 the bank deposit has very less percentage when compare
to other deposits andwhereas the savings bank deposit has second less
percentage i.e, 14%, thecertificate of deposit has more percentage
compare to bank and savings bank deposits i.e, 17%. The other deposit
i.e, current deposit, bank deposit and DRI deposit has more percentage.
INTERPRETATION:
From the above graph we can interpret the trend of mobilisation of funds
through various deposit schemes. Such as,savings bank deposits, current
deposits, DRI deposits,certificate of depositsand bank deposits. The fund
mobilisation is more in the year 2013. Also more funds has been mobilised
through bank deposits.

TABLE-13
TABLE SHOWING OVERALL DEPOSITS (IN FOUR YEAR)
YEAR TOTAL DEPOSITS
2009 471195
2010 478374
2011 553427
2012 499916
2013 718649
ANALYSIS
From the above table we can analyse that the total deposits in five years of the
syndicate bank. It shows the highest percentage of collections from year to
year.in the year 2011 it has increased, but it has decreased in the year 2012 the
company has taken some steps for the mobilisation of funds so it has increased
in the year 2013.

GRAPH SHOWING OVERALL DEPOSITS
PERCENTAGE
2009 2010 2011 2012 2013
17%
26%
18%
18%
20%
INTERPRETATION
The above chart shows that, the amount collected by syndicate bank and its
percentage. It is highest in the year 2013;it is assumed that in the coming years
the bank maintains the same strategy.

FINDINGS
The syndicate bank has successfully compiled over the years of
excellence in banking industry.
The performance of the bank for last five year is excellent
From the comparison we have understood that it has achieved a

considerable growth for last five years in mobilising deposits.
As compared to other banks the syndicate bank has achieved plenty of

awards.
The bank has got award in the year 1981 as national investment and
financial award for priority sector lending.
2009-10 the bank received second best award in the area of education
loans from NDTV profit
2010-11 the bank received national award for excellence in lending to

micro enterprises from the ministry of MSME, government of India.
The syndicate bank is providing good customer services, because it is

fully computerised.
SUGGESTION

Attractive and effective, new scheme should be introduced to attract new

customers.
Effective measures should be taken regarding various types of deposits.
Since more ATM culture has picked up in banking sector, diversification

in ATM sector must be encouraged.
The bank should give more importance for deposits.
The bank should be modernized and revise with innovative techniques

like mobile banking, core banking etc., to encourage customers to invest
there amount in the bank.
The bank should extend its services not only to the urban but also for
rural areas.
They should create their own goodwill which attracts the investors to
deposit in the bank.
They should provide their scheme of deposit in such a way that investors
will get attract to deposit in a bank.
CONCLUSION
The project entitled The study on detail analysis of deposit mobilisation
under taken to access various deposits offered, and user to the public.

From the above study it can be found out that deposit mobilisation and its
aspects like fixed deposits and recurring deposits have very good pattern
in syndicate bank.
The study also reveals that the bank has very good growth rate in care of
deposits.
From the overall study we can conclude that the deposits came in
syndicate bank is very good and from this we can say that the
performance of the bank is excellent.
The bank has getting a increased earnings year by year which leads to
improve their business.
BIBLIOGRAPHY
TEXT BOOKS
1. Corporate Finance theory and Practice 2nd edition

Author-ASWATH DAMODARAN
2. Money Banking and Finance 3rd edition

-N.K. SINHA
3. Financial Management; Text, problems cases 6th edition

-M.Y.KHAN
4. Security Analysis 6th edition

- DAVID DODD
COMPANY PROFILE
1. 2009-2010
2. 2010-2011
3. 2011-2012
4. 2012-2013
WEBSITES
www.financialaid.umd.edu
www.finaid.cornell.edu
www.moneyadviceservice.org
www.syndicatebank.com
1. BALANCE SHEET AS ON 31/03/2009
LIABILITIES AMOUNT(CR ASSET AMOUNT

) (CR)
share warrants and 0.00 Cash andbalance with 1,25,443.23
outstanding reserve bank of India

Share capital 4,488.05 Balance with banks and 1,86,118

money at call and short
notices
Total reserve 4,488.05 Investments 30,53,723

Deposits 1,15,885.14 Advances 81,53,227
Borrowings 5,41,418 Gross block 1,22,500
Shareholders funds 5,010.02 Less: accumulated 50,484
depreciation
Other liabilities and 3,946.33 Less: impairment of 0.00

provisions assets
Net block 720.16

Lease adjustment 0.00
Capital work in progress 2,187
Other assets 3,03,973

Total liability 1,30,255.67 Total assets 1,30,255.67
LIABILITIES AMOUNT ASSET AMOUNT

(CR) (CR)
share warrants and 0.00 Cash andbalance with 7,189.12
Share capital 521.97 Balance with banks 5,544.73
and money at call and

short notices
Total reserve 5,105.08 Investments 33,010.93
Deposits 1,17,025.08 Advances 90,409.20
Borrowings 12,172.69 Gross block 1,279.20
Shareholders funds 5,627.05 Less: accumulated 596.72
depreciation
provisions assets
Net block 682.48
Capital work in 18.95
progress
Other assets 2,198.37
Total liabilities 1,39,050.95 Total assets 1,39,050.95
LIABILITIES AMOUNT ASSET AMOUNT(CR

(CR) )
short notices
Deposits 1,35,596.08 Advances 1,06,781.92


depreciation
Other liabilities and 4,36,422 Less: impairment of 0.00
provisions assets
Net block 677.04
progress

short notices
depreciation
provisions assets
Net block 1,327.85

progress

Share capital 601.95 Balance with banks and 8,488.93

money at call and short
notices

Borrowings 12,813.80 Gross block 2,25,532
Shareholders funds 10,54,124 Less: accumulated 847.94
depreciation
Other liabilities and 6,41,130 Less: impairment of 0.00

provisions assets
Net block 1,407.38


Capital work in progress 260.58

A. PROFIT AND LOSS STATEMENT FROM 01/04/2008 TO

31/03/2009
Parameters Amount(cr)
I. INCOME
Interest earned 9,525.35
Other income 914.66
Total income 1,044.01
II. EXPENDITURE
Interest expanded 6,977.60
Operating expenses 1,790.97
PBIDT 1,671.45
Provisions and contingencies 635.10
Profit before tax 1,036.34
Taxes 123.54
Total 9,527.19
III. PROFIT AND LOSS
PAT 912.82
Extraordinary items 0.00
Profit brought brought forward 0.00
Adjusted net profit 0.00
Total profit and loss 912.82
Appropriations 912.82
Equity dividend (%) 0.00
Earnings per share 0.00

Book value (cr) 0.00
B. PROFIT AND LOSS STATEMENT FROM 01/04/2009 TO 31/3/2010
I. INCOME
Other income 1,167.46
II. EXPENDITURE
Interest expanded 7307.37
PBIDT 1,873.70
Provisions and contingencies 699.67
Taxes 360.71
Total 10,401.32
PAT 813.32
Total profit and loss 813.32
Appropriations 813.32
C. PROFIT AND LOSS STATEMENT FROM 01/04/2010 TO

31/03/2011
IV. INCOME


Other income 915.12
V. EXPENDITURE
PBIDT 2,749.78
Provisions and contingencies 1,464.25
Taxes 237.58
Total 11,318.03
VI. PROFIT AND LOSS
PAT 1,047.95
Total profit and loss 1,047.95
Appropriations 1,047.95
D. PROFIT AND LOSS STATEMENT FROM 01/04/2011 TO
31/03/2012
I. INCOME
II. EXPENDITURE
PBIDT 3,346.80


Taxes 74.64
Total 15,030.84
PAT 1,313.39
E. PROFIT AND LOSS STATEMENT FROM 01/04/2012 TO

31/03/2013
I. INCOME
II. EXPENDITURE
PBIDT 3,449.59
Taxes -441.01
Total 16,290.62
PAT 2,004.42



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STUDY ON DEPOSITS MOBILISATION

INTRODUCTION TO THE CONCEPT

Finance is the management of money and other valuables, which can be

The term finance should be understood in two perspectives- finance as a

Lets understand the origin of word finance, if we trace the origin of

Furthermore, the one word which can easily replace finance is

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 1

we can say finance is an art of managing various available resources like

Finance is defined in numerous ways by different groups of people. Though

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 2

Finance is the procurement of funds and effective utilisation of

In finance, investment can be explained as a utilisation of money for

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 3

System of internal controls:

The finance in a finance department is essential in running a company

It is impossible to achieve long term and short term goals without

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 4

International finance studies economic transactions among nations,

5. Financial management Business firms face problems dealing

Objectives of finance of finance functions are:

Business may have objectives such as;

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 5

To achieve a gross profit margin before end of the financial year.

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 6

Indias progress of economic reform is firmly rooted to a political consensus

Indias time institution offer foreign investors a transparent environment that

exchange table. In olden days European money lenders or

Oxford dictionary defines as an establishment for custody of

CHARACTERISTICS / FEATURES OF BANK

Dealing in money: bank is a financial institution which deals with other

Individual/ firm /company: A bank may be person, firm or a company.

Agencies and utility services: A bank provides various banking facilities to

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 8

BANKING SYSTEM IN INDIA

The oldest bank in existence in India is the state bank of India, a

Currently India has 96 schedule commercial bank 27 public sector bank, 31

Banking means accepting for the purpose of lending has investment

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 9

RESERVE BANK OF INDIA

The reserve bank of India is the central banking institutional. It is the

The reserve bank of India lays down restrictions on bank

PRIIVATE AND FOREIGN BANKS

The RBI has granted operating approval to a few privately owned

All sources of local financing are available to foreign participation

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 11

INTRODUCTION TO SYNDICATE BANK

Type - public company

Traded as BSE: 532276

Nature - Financial services

Headquarters manipal, Karnataka, India

Key people shri sudhir kumar Jain (chairman and MD)

Products finance and insurance

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 12

Revenue - rs110 billion (us $ 1.8 billion) (2010)

Employees 25,569 (2010)

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 13

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 14

REGIONAL RURAL BANKS

Adeposit account is a savings account, current account or other type of

Deposit account, a bank account that allows money to be deposited and

INTRODUCTION TO DEPOSIT MOBILISATION

As we already know, the main business for banks is accepting deposits

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 16

JAIN INSTITUTE OF BUSINESS MANAGEMENT Page 17