CHAPTER-4

DATA ANALYSIS AND INTERPRETATION

Gross Advance in SUCO Bank.

Years Gross Advances Changes in % age.

2012 381731825 91.04
2013 -19888347 4.74
2014 -17663272 4.21

450000000

400000000 381731825

350000000

300000000

250000000
GROSS ADVANCE
200000000
Change in %age
150000000

100000000

50000000

0
2012 2013 2014
-50000000 -19888347 -17663272

INTERPRETATION

The table shows Movement in provision for Gross Advanc. According to table it shows slippage
in provision of Bank last one year in FY14 is 91.04%. in FY13 is 4.74%.in FY12 4.21%.
Advances to various sectors during year 2014:

LOANS AMOUNTS Changes in %ages

Constructions loan 65053.00 0.062
Gold loan 17015111.63 16.08
Mortgage loan 64612251.79 61.08
Vehicle loan 24079530.00 22.76

LOANS
0.062

16.08
22.76

Construction
gold
mortgage
vehicle

61.08

INTERPRETATION

The table shows Movement in provision for Loans. According to table it shows slippage in
provision of Bank last one year in FY14 is construction loan 0.062% ,Gold loan 16.08% ,
Mortgage loan 61.08%, and Vehicle loan 22.76%.
DEPOSITS IN SUCO BANK 2013-14:

DEPOSITS AMOUNTS
Current Account 14845098.22
Reserves deposits 1658146.00
Saving Bank 46508560.22
Terms deposits 102487764.00

DEPOSITS 14845098.22
1658146

46508560
CURRENT ACCOUNT
102487764
RESERVES DEPOSITS
SAVING BANK
TERMS DEPOSITS

INTERPRETATION

The table shows Movement in provision for Loans. According to table it shows slippage in
provision of Bank last one year in FY13-14.
 CHAPTER-5

FINDING , SUGGESTIONS AND CONCLUSION

 FINDINGS

The bank unveiled its new blue and red logo on 1st September, 2008. The rebranding
initiative has been undertaken with one objective in mind: to maximize customer.

Bank also provide loan such as loan on fixed deposit, gold loan, staff salary loan,
vehicle loan, building loan, business loan, and small scale industry loan..

The amount of the all the loan are increasing but they are in fluctuation. In loan on fixed
deposit, loan cash certificates.

The bank has taken up 100% CBS project during the year 2013-2014

The bank is presently having shortage of Staff.

Credit policy and proper monitoring tools has improved the level of performance there by
reducing the NPA level. This has directly contributed to growth in profit there by adding
value to shareholders.
 SUGGESTIONS

1. SUCO bank of India should continue to maintain strong Recovery policy in order to
ensure continuous and prosperous.

2. SUCO bank of India should come out with new policies to provide loan to general
public. It helps to cover more areas and it can reach more people.

3. SUCO bank of India should continue to maintain good relationship with customers
and in providing necessary services to face competition and challenges of other
commercial banks.

4. Bank has better goodwill in the market it will help them to enter in to new market like
Mutual fund and Insurance Sectors.

5. Bank must enhance its value added activities and must build a strong value chain in
the market by which it relation will grow with the customers.

6. The bank should utilize the available upgraded technology and improve he customer
relation through the constant customer support and often serve the customers
requirements.
CONCLUSION:

The system module of SUCO bank at present is functioning well. The personal
interaction with the company guide to the effective in collecting information. It gave
me a good insight in to the whole process of sanctioning loan and difficulties that are
faced in dealing with the client. The client has to sing and submit a lot of legal and
financial document to the bank. Unless the client submits all legal documents. His
application will not be processed further.
The personal interaction which I had with bank guide proved to be highly useful in
collection of accurate data, which was instrumental in the completion of this project.
The objective of study statement of problem, source of data, finding of study, and
limitation of study from the basis of project report
The practical problem being faced by bank need carefully observed, properly studied
& analyses in depth, in order to legal recommendations for providing solutions to the
problem.
Bank is facing competition from other sector bank & also competition form public
sector bank.. .
BIBLOGRAPHY:
1. SUCO BANK document and files.
2. Books of company profiles, paper and pomp Lents.
3. Internet
www.cooperativebank.com
www.sucobank.com
www.Google.com