PROJECT

TITELS

STUDY ON OVERALL FINANCIAL

PERFORMANCE OF CENTRAL BANK
OF INDIA

ROLL NO :13041

C EN TR A L B A N K O F IN D IA

ESTABLISED :1911
CORPORATE VISION :
TO emerge as strong ,vibrant and pro-active
bank.

CO RPO RATE M ISSIO N :

Best service
To leverage technology
To have bouquet of product and

services
Spread of branches across all the
state of the country

RESEARCH M ETH O D O LO GY
METHODS OF DATA COLLECTIONS

1.PRIMARY DATA
2.SECONDARY DATA

PRO JECT D ESIG N

OBJECTIVE OF THE STUDY
A. TO STUDY THE FINANCIAL PERFORMANCE

OF THE BANK
B. TO IDENTIFY THE PROBLEMS AND ISSUES
RELATING TO THE FINANCIAL ASPECTS OF
BANK
C. TO UNDERSTAND THE ADMINISTRATION
MECHANISM OF THE BANK

LIM ITATIO N S O F STU DY

THE TIME FACTORS WHICH DID NOT

ALLOW THE IN DEPTH THE STUDYOF

GIVEN PROJECT

BANK OFFICIALS REFUSED TO

PROVIDE CONFIDENTIAL
INFORMATIONS

Subsidiaries & Joint ventures of centralbank of

India

CENTBANK HOME FINANCE LTD

CENTBANK FINANCIAL SERVICES LTD
INDO-ZAMBIA BANK LTD
REGIONAL RURAL BANKS

BRAN CH ES O F CEN TRAL BAN K O F IN D IA

BRANCHES

744
1719
848

1262

RURAL
SEMI-URBAN
URBAN
METRO

AW ARD S & ACCO LAD ES

NATIONAL AWARD FOR EXCELLENCE

IN MSME LENDING
HR AWARD
EXCELLENCE IN COST MANAGEMENT
BEST FINANCIAL ADVISOR AWARD
GREEN TECH SAFETY AWARD
ECO TECHNOLOGY

PERFO RM AN CE H IG H LIG H TS

TOTAL BUSINESS
450000

423390
402272

400000

346898
310763
269225

350000
300000
250000

218012
184607

200000
150000136265
100000
50000
0

2007 2008 2009 2010 2011 2012 2013 2014

CRORES

TO TAL D EPO SITS

RS IN CRORES
300000
240069
226038

250000

196173
179356
162107

200000
150000

131272
110320

100000 82776
50000
0

2007

2008

2009

2010

2011

2012

2013

2014

LO AN S AN D AD VAN CES
RS IN CRORES
200000
183321
176234
180000
150725
160000
131407
140000
120000
107118
100000
86740
74287
80000
6000053489
40000
20000
0

RS IN
CRORES

CRED IT D EPO SITS RATIO

80
78

76.83

77.97
76.36

76
73.27

74
72
70
68
66

66.08

64
62
60

2010

2011

2012

2013

2014

IN VESTM EN T

investment
100000
80000

86384

60000
40000 2903732646

44445 52008 54847

59577

72662

20000
0
2007 2008
2009 2010
2011 2012
2013 2014

Return on assets
return on assests

0.8
0.6
0.4

0.62

0.66
0.54

0.7

0.45

0.44
0.26

0.2
0
-0.2

2007 2008 2009 2010 2011 2012 2013 2014

-0.4
-0.6

-0.47
return on assests

Profi
tability
Chart Title

30000

26350
23528
23112
20545
20355
17730

25000
20000
15000

16486
13895
13799
11741
11525
10088
8787
7518

10000
6710
5444
5000
2815 3173 3238
2591
2058
1266 1268 1437
0
2007 2008 2009 2010 2011 2012 2013 2014
gross income

gross expences

operating profits

N et profi
ts

NET P/L
1500
1059

1000
500
0

498

550

571

1252
1015
533
NET P/L

2007 2008 2009 2010 2011 2012 2013 2014

-500
-1000
-1500

-1263

PBT/PAT
2000
1500
1000

1549.54

1659.17

1058.23

1014.96
758.72
533.04

500
0

1319.76

1252.41

-1262.84
2010

2011

2012

2013

2014

-500
-1000
-1500

-994.53

PBT
PAT

CAPITAL AD EQ U ACY RATIO

RATIO
12.6
12.4
12.2

12.4
12.23
11.96

12

RATIO

11.8

11.64

11.6

11.49

11.4
11.2
11

2010

2011

2012

2013

2014

N ETW O RTH
18000
16000
14000

8000

16010.2

2013

2014

12662.36
11004.85

12000
10000

15538.44

7913.04

6000
4000
2000
0

2010

2011

2012

N et interest incom e
Series 1

7000

6493

6000

5326 5169

5000
4000
3000 2474

5738

Series 1
2223 2228

2545

2000
1000
0

2007 2008 2009 2010 2011 2012 2013 2014

FINDINGS

GENERAL FINDINGS:
*WORKING PROCESS IS SLOW
*HAS NOT STRONG NETWORK WITH WORLDS
BEST INSTISTUTIONS

FINANCIAL FINDINGS :
* OPERATING EXPENCES HAVE INCREASED
COMPARED TO PREVIOUS YEAR
* THERE IS FREQUENT FLUACTUATIONS IN THE
CAPITAL,RESERVES ,SURPLUS AND LONG TERM
LIABILITIES
* FIXED ASSESTS HAS SHOWN INCREASING TREND
* TOTAL STRENGHT OF THE BANK IN TERMS OF
NUMBER OF EMPLOYEES

SU G G ESTIO N S
Focus more on advertising to make

aware about the benefits

Working environment can be made
better
More value added services should
be given to the customer
Bank should add more financial
inclusions
The bank should provide
information relating to the interest

THANK YOU