A

PROJECT REPORT ON BANKING FUNCTION

UNDERGONE AT
AMRELI NAGRIK SAHAKARI BANK LTD.
AMRELI

PREPARED BY
GULSHAN G. PARIMAL

T.Y.B.B.A.

ROLL NO : 09

EXAM SEAT NO :

SUBMITTED TO

SAURASHTRA UNIVERSITY

COLLEGE

SHREE LEUVA PATEL TRUST BBA MAHILA

COLLEGE – AMRELI

ACADEMIC YEAR

2009-10
 GUIDED BY

Ms. AVANI TARPARA

Shree Leuva Patel Trust B.B.A.

Mahila College Amreli

PRINCIPAL’S RECOMMANDTION

TO,
THE REGISTRAR,
SAURASHTRA UNIVERSITY,
RAJKOT,

Sub. : A financial research report

Respected mam,

I am recommending the training report on banking function prepared

by …………..…………...………………….……… at AMRELI NAGRIK
SAHAKARI BANK LTD. as the partial fulfillment of SAURASHTRA
UNIVERSITY requirement.

Thank you

Date: Yours faithfully,

__________
Place: Amreli (Principal)
Ms.Neha Senjaliya

Shree Leuva Patel Trust B.B.A.

Mahila College Amreli

GUIDE’S CERTIFICATE

This is to certified that ……......…………….…………………......

student of B.B.A. has carried out the training project report work as per the
syllabus of SAURASHTRA UNIVERSITY. She has prepared this training
project report under my guidance and her own contribution in making this
project report during the academic year 2009-10 is highly appreciated.
To the best of my knowledge the details presented by her are original in
nature and haven’t been copied from any other source been submitted earlier
for the aware.

Thank you
Date: Yours faithfully,
_________
Place: Amreli (Guide)
Ms. Avani Tarpara
 DECLARATION
_______________________

(Gulshan Parimal)
I undersigned, Gulshan G Parimal the student of T.Y B.B.A., S.L.P.T.
BBA Mahila College here by declare that the project work is my own work
and has been carried out under the guidance of Ms. AVANI TARPARA
lecturer of S.L.P.T. BBA Mahila college.

The work has not been previously submitted to any other university for
any examination.

Date: Yours faithfully,

___________
Place: Amreli (Gulshan G. Parimal)
 2nd year B

PREFACE

It is great opportunity for management students of Saurashtra

University to get exposure of the real corporate world as a part of academic
curriculum of B.B.A. and get wide exposure of the real corporate world
during industrial project.

I realized during training period that corporate world is drastically

different than what we learn in theories. Practical training is very useful in
developing our practical knowledge on the selected subject because only
theoretical knowledge & classroom discussion is not enough for the student of
B.B.A.

Here, I selected the finance management as rational subject & I take

training at the “AMRELI NAGRIK SAHAKARI BANK LTD”. Where I
learn all the banking function & enlarge by knowledge about the various
functions of bank.

.
.

ACKNOWLEDGEMENT

I choose a financial management so, I have taken practical training in

Amreli Nagarik Sahkari Bank Ltd. The main purpose of practical training is
to develop practical knowledge & experience about financial environment
among students.

I want to thankful our honorable principal Ms.Neha Senjaliya for

giving us this opportunity. I would like to thanks also to the staff member of
B.B.A. department who gave us good guidance for preparation of this report.

I want to thanks Mr.P.P.SOJITRA [chairman] who give me

permission in ANSB. I am very grateful to Mr.Yogesh Gandhi [manager]
who gave me most of knowledge about banking function & also grateful
thanks to all staff for giving me time to guidance in the project work.

DATE: Yours faithfully,

___________
PLACE: Amreli (Gulshan G. Parimal)
 CONTENT

No. Particulars Page

No.
1. INTRODUCTION TO BANKING 01
1.1 INTRODUCTION TO BANKING 02
1.2 HISTORY OF BANKING IN INDIA 03
2. INTRODUCTION TO CO-OPERATIVE 04
BANKING
2.1 INTRODUCTION TO CO-OPERATIVE 05
BANKING
2.2 SERVICES TYPICALLY OFFERED BY 06
COOPERATIVE BANKS
3. ABOUT TO ANSB LTD. 07
3.1 INTRODUCTION TO ANSB LTD. 08
3.2 EYE VIEW OF THE BANK 09
3.3 BOARD OF DIRECTOR : 10
3.4 SUBSIDIARIES AND ASSOCIATE BRANCHES 12
3.5 BUSINESS OBJECTIVE AND MISSION 13
3.6 ORGANIZATION STRUCTURE 14
3.7 ORGANISATIONAL GOALS 15
 3.8 BUSINESS STRATEGY 16

4. SERVICE DEPARTMENT 17
4.1 INTRODUCTION 18
4.2 PRODUCT PORTFOLIO OF ANSB LTD. 19
5. SWOT ANALYSIS OF ANSB LTD. 24
5.1 STRENGTH 25
5.2 WEAKNESS 25
5.3 OPPORTUNITIES 26
5.4 THREATS 26
6. TITLE STUDY 27
6.1 MEANING OF RATIO ANALYSIS 28
6.2 ADVANTAGES OF RATIO 29

6.3 DISADVANTAGES OF RATIO ANALYSIS 32

6.4 TYPES OF RATIO 35

7. DATA ANALYSIS 36
7.1 CASH FLOW STATEMENT 37
7.2 DIRECTOR’S REPORT PROFIT & LOSS 38
7.3 BALANCE SHEET
39
7.4 PROFIT & LOSS ACCOUNT 41
8. FINDINGS 54
9. CONCLUSION 55
10. BIBLIOGRAPHY 57