Professional Documents
Culture Documents
STUDY
Syndicate Bank
INTRODUCTION
Methodology:
Primary sources:
Secondary sources:
Objectives:
To understand functioning of
bank
ORGANISATION
STUDY
Syndicate Bank
Limitations
ORGANISATION STUDY
Syndicate Bank
INDUSTRY PROFILE
BANK
Meaning of Banking:
Dealing in Money: The banks accept deposits from the public and
advancing them as loans to the needy people. The
deposits may be different types -current, fixed,
savings, etc. accounts. The deposits are accepted
on various terms and conditions.
LLUT
Dealing with credit: The bank are the institutions that can
create credit i.e., creation of additional money for
lending. Thus,"creation of credit” is the unique
feature of banking.
ORGANISATION STUDY
Syndicate Bank
Banking in India
ORGANISATION STUDY
Syndicate Bank
Early
history
During the wars
Post
independence
Nationalisation
• Leberalisation
• Current scenario
Early history
At the end of late-18th century, there were hardly any bank in India
in the modern sense of the term. At the time of the
American Civil War, a void was created as the supply of
cotton to Lancashire stopped from the Americas. Some
banks were opened at that time which functioned as
entities to finance industry, including speculative
trades in cotton. With large exposure to speculative
ventures, most of the banks opened in India during that period
could not survive and failed. The depositors lost money
and lost interest in keeping deposits with banks.
Subsequently, banking in India remained the exclusive
domain of Europeans for next several decades until the
beginning of the 20th century.
ORGANISATION STUDY
Syndicate Bank
Head Office: Manipal - 576104
around that time continued to survive and prosper even now like Bank of
India and Corporation Bank, Indian Bank, Bank of
Baroda Sdyndicate Bank and Canara Bank.
The period during the First World War (1914-1918) through the end of
the Second World War (1939-1945), and two years thereafter
until the independence of India were challenging for the
Indian banking. The years of the First World War were
turbulent, and it took toll of many banks which simply collapsed
despite the Indian economy gaining indirect
failed during the years 1913 to 1918 as indicated in the following table:
Year
1913
1914
1915
1916
1917
1918
No. of Banks | Authorised capital (Rs. Paid up capital (Rs. that failed
In lakh)
In lakh) 12
274
35 42
710
109 11
56 13
231 9
76
25 7
209
4
Post-
independence
•
In 1949, the Banking Regulation Act was enacted which
empowered the Reserve Bank of India (RBI) "to
regulate, control, and inspect the banks in India."
ORGANISATION STUDY
Syndicate Bank
Nationalisation
As on
Total No. of Rural
per
Branches
June 30 1969
1,860
Rural Branches Population
as % of the total. bank office
63,800 54
14,150
15,000
22
Branches
8,260
60,650
66,640
1991
32,750
2003
32,270
Year
No. of
reporting
Bank
deposits
Bank
credit
10
ORGANISATION
STUDY
Syndicate Bank
Banks
(Rs.
Crores).
(Rs.
Crores).
820
580
4,690
1950 -5 430
1970-71 73
1990-91 271
2000-2001 297
2003-2004
288
5,910
follows:
Liberalisation
sunriscic
a
AE)
The next stage for the Indian banking has been setup with the proposed
relaxation in the norms for Foreign Direct Investment, where all
Foreign Investors in banks may be given voting rights which
could exceed the present cap of 10%, at present it has
gone up to 49% with some
restrictions.
Current scenario
ORGANISATION STUDY
Syndicate Bank
13
ORGANISATION STUDY
Syndicate Bank
Head Orlice: Manipal -576 104
India:
Nationalized
Banks
SBI &
Its Associates
Old Private Banks
New Private Banks
14
ORGANISATION STUDY
Syndicate Bank
Indian Banking
Structure:
AS
15
ORGANISATION STUDY
Syndicate Bank
16
ORGANISATION STUDY
Syndicate Bank
Sri VAMAN S. KUDVA
Dr. T. M. A. PAI
17
ORGANISATION
STUDY
Syndicate Bank
COMPANY PROFILE
Brief History
ORGANISATION STUDY
सिटिव Syndicate
Bank
TECEM OD NEESI
NDERTLING
Head Office: Manipal -576 106
The first branch of the bank started its operations in the year 1928 at
IS
Nature Of Business
Carried:
ORGANISATION
STUDY
Syndicate Bank
eurs.
b. For Non-Salaried
Class.
C. All Purpose Credit Schemes. 13. SyndVidyarthi-a stand
by overdraft facility for students of
professional
courses
ORGANISATION STUDY
Syndicate Bank
Services:
ORGANISATION STUDY
Syndicate Bank
Head Office: Manipal - 576104
Purpose: To meet the credit limit of all types of traders. Eligibility: All
traders. Quantum of loan: Maximum of Rs.25 Lac. Security:
Mortgage of property/pledge of NSC/KVP/ LIC Policy etc.
The stock in trade also is to be hypothecated. Guarantee:
Third party not compulsory. The owner of the property should
join the transaction as guarantor (If the property is not
owned by the borrower). Margin: 15% to 40%,
depending upon the security. Repayment: Renewal
once in 2 years.
24
ORGANISATION
STUDY
Syndicate Bank
Head Orlice: Manipal -576 104
Repayment: > OD
H
renewable on yearly basis.
> DL to be repaid in installment not exceeding 35 EMI's.
Rate of Interest:
For loans /OD sanctioned /released up to: 31-03-
03; -15% P.a. (fixed). For loans /OD sanctioned
/released up to: 01-04-03; -14% P.a. (fixed).
ORGANISATION STUDY
face
Syndicate Bank
26
ORGANISATION
STUDY
Syndicate Bank
ORGANISATION STUDY
Syndicate Bank
Head Offices Manipal - 578 104
HOUSING
LOAN
The banks has under restriction that they have to lend 40%
of the advances to priority sector advances consisting of:
small route transport operation, small scale industries
professionals or self employed, small business, retail
trade, agriculture and export. Housing loan has
become cheaper as compared to earlier years. This
is because of stiff competition between the banks
The banks are required to lend at their prime lending rate but they don't lend
at this rate, this is because the RBI has given some liberty to
the nationalized banks in fixing their own interest rate. The PLR is
based PRASHANTHA SHETTY K. B.B.M. FINAL YEAR
REG.NO.050080049
28
BHANDARKARS' ARTS & SCIENCE COLLEGE, KUNDAPURA
ORGANISATION STUDY
Syndicate Bank
upon the low cost deposits the bank have, they can grant loan at lesser
interest.
29
ORGANISATION STUDY
Syndicate Bank
Point of
differences
SynndNivas
Vijaya Home
Loan
Purpose
For acquiring a new house or For purchase of old house existing house not more than
|/flat of age of 30 years and 25 years old
below.
Eligibility
For salaried class, applicant In case of salary income
should have completed 5 | alone is considered for
years of service and the deciding the quantum of
remaining period of service loan, such salaried persons
left shall not be less than should be in permanent
5years
service and not
probationers: Persons
nearing superannuation getting retirement benefits sufficient to
cover the Loan applied can
also be considered.
30
ORGANISATION STUDY
Syndicate Bank
Quantum
For Salaried persons : Minimum loan amount is Rs.
1.00 Maximum of 72 months lakh Maximum – Any amount -
on need based as per the cost less gross salary
(including salary
stipulated margin subject to loan of spouse)
entitlement. For salaried class, applicant In case of
Repairs/Renovation -
completed 5 maximum should have
is Rs. 10Lakhs years of service and
the remaining period of service left shall not be less
than 5 years.
Margin
25% of total project cost for 20% of the cost in
general. construction/purchase of new The cost
shall include Land flat or house up to 5 years
cost, Stamp duty, old.
Registration charges, 30% for acquiring house
Fixtures like Ward Robes, which is above 5 years
old.
Pelmets, Dressing
Mirror,
Kitchen cabinets / racks, 30% of the estimated cost
of Geysers etc. addition/extension/repairs/re novation
Processing
charges
Rs.500/- per lac with a Up to Rs.2 lakhs Rs. 112/ minimum of Rs.1000/-
at Above Rs. 2 lakhs to Rs. 1 present. (Processing
charges Crore Rs. 112./- per lakhs are subject to
change from
or part thereof time to time)
Above Rs1 Crore Rs
11,224 for Rs. 1 Crore plus
Rs. 140/ per Rs. 1 Lakhs
or part thereof
31
ORGANISATION STUDY
Syndicate Bank
Rate of interest
Synd-
Nivas
Repayment
Period
Fixed rates (%) Up to 5
years
11.50 Over 5
years & upto 10 years
12.00 Over 10 years
& upto 20 years Category abolished Over
20 years & upto 25 Category
abolished
Floating rates (%)
BPLR-3.0
BPLR-2.50
BPLR-2.25
BPLR-2.00
years
Vijaya Home
loan
Period
Existing and for loans up
to Rs.20.00 Lakhs
Floating Fixed
9.25%
9.50% 9.75% 10.00%
Revised and for loans
above Rs.20.00 Lakhs
Floating Fixed 10.00%
10.75% 10.50% 11.25%
Up to 5 years
Above 5 years
to 10 years Above
10 to 15
10.00%
No fixed
10.75%
No fixed
vear's
Beyond 15 years
10.50%
No fixed
11.25%
No fixed
Findings
32
ORGANISATION STUDY
Syndicate Bank
Head Orlice: Manipal -576 104 Your faithfuil & friendly financial partner
Features
:
► All persons associations etc., who are eligible to
open SB accounts can
open accounts under this scheme.
Features:
33
ORGANISATION STUDY
Syndicate Bank
year and one day. → The interest rate applicable for the amount so
swept in will be the rate
applicable for the period for which it was held in the term
deposit
account.
The scheme has been launched from 01 -01-2003 and the deposits are
accepted at Syndicate e-banking branches.
Features:
34
ORGANISATION STUDY
Syndicate Bank
D). Term Deposit Scheme:
(1). Fixed Deposit (FD):.
35
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576104 Your faithful & friendly financial partner
Period of deposit: SSD can be opened for a minimum period of one year. SSD's
are opened only in completed quarters subject to a
maximum of
ten years. Payment
of Interest: The depositor is free to opt,
any one of the following regarding the payment of interest.
> Monthly Interest: Interest is paid at the end of every calendar
month at
discounted value.
interest
(1200 + Rate of interest) Ex: At 12%
for Rs. 10,000/- discounted monthly interest is: (10,000 X
12)/1212 =99.01. Branches refer Master Charts on interest
rates for payment of interest at discounted rates.
36
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Offices Manipal - 578 104 Your faithful & friendly financial partner
4). Cumulative
Deposit:
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Orlice: Manipal -576 104 Your faithful & friendly financial partner
38
ORGANISATION STUDY
सिटिि Syndicate Bank
Other Terms:
39
ORGANISATION STUDY
सिटिि Syndicate Bank
Services:
40
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Orlice: Manipal -576 104 Your faithful & friendly financial partner
purpose.
(7). Online Railway Ticket Booking: The bank has joined hands with
Indian Railway Catering & Tourism Corporation Ltd.
(IRCTC) to offer online booking of railway tickets for
all Internet-banking (Syndinet) Customers of their
bank. This facility is offered to the customers absolutely
free of cost.
DT
(8). Western Union Money Transfer: The bank has signed MoU
with M/s Kuoni Travel (India) Pvt. Ltd. Agent for M/s
Western Union Network (Ireland) Ltd to make
payments of Western Union Money Transfer remitted by
NRIs from foreign countries.
ORGANISATION STUDY
सिटिि Syndicate Bank
42
ORGANISATION STUDY
सिटिि Syndicate Bank
Categor
y
No. of Shares % of share No.
held
holding. A
Promoter's Holding
Promoters Government of India
346968282 66.47 Foreign Promoters
NIL Persons acting in
concert
NIL Sub Total 3469568282 66.47
2
B
Non-Promoter Holding
3
13400770
2.57
18350002
3.52
Institutional Investor (a). Mutual Funds and UTI (b). Banks,
Financial Institutions, Insurance
Companies (Central/State Govt. Institutions / Non-
government
Institutions). c). FII's.
Sub Total Others (a). Private
Corporate Bodies (b). Indian Public (C).
NRIs/OCBs (d). Any Others
Sub Total
63894695
95645467
12.24
18.33
5952793
71425784 |
1136130
839826
79354533
1.14 13.68 0.22
0.16
15.20
Grand 521968282
100.00
Total
Head Orlice: Manipal -576 104 Your faithful & friendly financial partner
IO
TITIL
Note counting machine
746
AA
45
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal-576 103 Your faithful & friendly financial partner
ORGANISATION
STUDY
सिटिि Syndicate Bank
Interview with
manager
Know your
customer
Evaluation of project
Sanction of loan
Documentation
Repayment of interest
Diagram No.1 This is the work flow model
followed by the bank at the time of giving advances
to their customers. Which involves the following
series of steps,
they are:
47
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal-576 103 Your faithful & friendly financial partner
Documentation: The
documentation deals with filling of
forms that are in contractual form and most of the
documentation process could be seen in all the stage. It also
deals with submission of security for their loan and its
formalities.
Head Office: Manipal - 576104 Your faithful & friendly financial partner
most of time the loan amount is transferred to his account and rarely they
give it in their hand, either in their hand, either in the form of
DD, Cheque or cash it depends upon the banker
and the party.
DEPOSITS
Customer approaching
the
bank/Enquiry
Introduction
Documentation
Diagram No. 2
Cashier
Cashier
Cash supervisor
Cash
supervisor
Account of the
customer
Account of the
customer
Account of the
customer
49
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Offices Manipal - 578 104 Your faithful & friendly financial partner
This is the work flow adopted by the bank at the time of receiving the deposits
from their customers.
The first step in this process is customer approaching the bank. When
the customers will have surplus money with them, they will be
looking to
invest that money in some place where they can get good returns
out of it. Bank is one such place which accepts
deposits from their customers and pays interest on them.
So the customers will be looking for that bank which will pay
them highest rate of interest on their deposits. Once the
customer identifies the bank where he is going to deposit his
amount, he has to go through the introduction stage, were
the customer needs to be introduced to the bank. He may
be introduced to the bank by the customer or an
employee of this bank. He is asked for providing
documents like Ration card or any license for address, age
& income proof. Once the account is opened i.e. Either S.B
a/c, fixed deposits, recurring deposits or current a/c) he/she
will provide with facilities like Cheque book, ATM or O.D if it's a
current a/c. Once the customer opens an account in the
bank he can deposit any amount any number of
times but in case of fixed deposit its one lump some
amount deposited till its maturity it is not withdrawn.
When amount is deposited it goes to the hands of
cashier and then to cash supervisor and then to his account, but
now due to CBS in a minute we give to cashier its
transferred to
customers a/c. The depositors are eligible to withdraw the amount which
is credited in their account and not more than that unless it is current
account. Depositors can withdraw as an when they need but in
case of fixed
deposits prior 7 days notice to be given
but today's banker will not ask for any notice just give it
in the spot with penalty. The process of withdrawal is
reverse of depositing where from his account it goes to cash
supervisor from him to cashier finally to the hands of
customer, again traditional work flow. Now all are computerized
where in one person PRASHANTHA SHETTY K.B.B.M. FINAL YEAR REG.
NO. 050080049 BHANDARKARS' ARTS & SCIENCE COLLEGE,
KUNDAPURA
50
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal-576 103 Your faithful & friendly financial partner
does all the activity. Customer can directly withdraw in ATMs or can directly
issue Cheques to the other party.
current fiscal.
51
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal-576 103 Your faithful & friendly financial partner
MCKINSEY'S 7S FRAMEWORK
52
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576104 Your faithful & friendly financial partner
Structure
ON
Strategy
Systems
Hard Ss
Shared
Values
Skills
Style
Staff
53
ORGANISATION
STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576104 Your faithful & friendly financial partner
Soft Ss
(1). Structure:
The bank has a well organized three tier structure with a sound foundation
of 2113 business outlets and a well defined reporting
architecture as the body to support. The corporate governance which is
the breath sustaining the momentum is through a very talented
board of directors including government appointed directors
employee and office representative directors guided by RBI,
Ministry of Finance, Government of India which forms the
superstructure. Below figure shows the details structure of the
Syndicate Bank.
ORGANISATIONAL STRUCTURE
BOARD OF DIRECTORS
11
EXECUTIVE DIRECTOR
EXECUTIVE
DIRECTOR
54
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576 104 Your faithful & friendly financial partner
GENERAL MANAGERS
Regional Offices -
35
Branches - 2125
55
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576 104 Your faithful & friendly financial partner
Board of Directors:
organization
Board of
Directors
Deputy General
Manager
Divisional
Manager
Senior Manager
Manager
Assistant Manager
Head Office: Manipal - 576 104 Your faithful & friendly financial partner
57
PRASHANTHA SHETTY K. B. B. M. FINAL YEAR REG. NO.
050080049 BHANDARKARS' ARTS & SCIENCE COLLEGE, KUNDAPURA
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Orlice: Manipal -576 104 Your faithful & friendly financial partner
Chief
Manager
DGM
GM
Asst. General
Manager
Chief Manager
CM or AGM
DGM
CM or AGM
Desk Manager
(Scale II/III)
Desk Manager
(Scale II/ III)
Desk Manager
(Scale II/III)
Desk Manager
(Scale II/ III)
Being one of the leading public sector banks with a
culture of well
managed private sector professional institution, the strategy of
the bank is to be a premier among the peers and to excel in
all the parameters are it business or social responsibilities.
To be the faithful and friendly financial partner to their
beloved clients. The strategy also includes concern for the
middle class and the moderate income group of the
society for financial inclusions. Evolving a product called
“Synd Samanya”, with zero balance in rural and semi-
urban areas and ensuring 100% coverage at all lead
districts the goal under the financial inclusion which is
being met. Thus, all the products and services are
targeted towards the above focus including the core
banking and internet banking
58
ORGANISATION STUDY
सिटिि Syndicate Bank
hidden
charges.
Strategies for
2007-08
► Corporate theme for the year- “Acquire Accounts
Aggressively, Add Core Deposits Continuously"
► Year also marked as-Year of NPA
resolution
(6). Staff:
59
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Orlice: Manipal -576 104 Your faithful & friendly financial partner
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office Manipal - 576104 Your faithful & friendly financial partner
•
Resources: To achieve global deposits of Rs.50 thousand
crore by 2006 and around Rs.59 thousand crore by 2007
with emphasis on low cost resources slated to constitute at
least 45% of the total resources by planned strategic
initiatives including branch expansion, aggressive
marketing and active involvement of each and every
of the Bank.
g
•
SP
•
Profitability: To make every branch a profit centre to earn
a net profit of Rs. One thousand crore by 2007and
guarantee best possible returns to the stakeholders
value.
ensure that our products and services adapt to the changing needs and
expectations of the customer, to provide the customer the
ideal banking ambience, to reorient our publicity so as to
provide increasing visibility to our Brand, to get our
branches / offices ISO 9001-2000 compliant
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576104 Your faithful & friendly financial partner
governance processes.
SWOT ANALYSIS
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal-576 103 Your faithful & friendly financial partner
64
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576 104 Your faithful & friendly financial partner
65
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal-576 103 Your faithful & friendly financial partner
66
ORGANISATION STUDY
सिटिि Syndicate Bank
Recent
developments
• Syndicate Bank has revised its benchmark prime-
lending rate
(PLR) from 12.25% to 13% in
April 2007.
• Balance sheet growth remains
strong
67
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576 104 Your faithful & friendly financial partner
Global
Business:
Global business
Domestic business
2006 Rs.105143
crores Rs.96212
crores
2007 Rs.132526 crores Rs.123095 crores
Total deposits
Domestic deposits
2006
2007 Rs.63829 crores Rs.80682 crores
Rs.59979 crores | Rs.76480
crores
·
The Bank's total deposits reached a level of
Rs.80682 crores as on 30th June 2007 from
Rs.63829 crores as on 30th June 2006,
recording a growth of 26.40%.
•
The growth of deposits in Q1 was 2.60%. The low cost
deposits increased by 32% to Rs. 26045 crores
as on 30th June 2007 from Rs.20374 crores as on
30th June 2006.
•
The Bank will effectively leverage on the 2 Million plus
accounts opened by the Bank in 2006-07 and new
accounts opened in the
first quarter to accelerate the growth of low cost deposits.
69
ORGANISATION STUDY
Stalisties
1
Syndicate Bank
|
Net profit
2006 Rs.180.58
crores
2007 Rs. 221.03
crores
The net profit of the Bank increased to Rs. 221.03 crores for the
quarter ended 30th June 2007 from Rs. 180.58 crores for
the quarter ended 30th June 2006.
70
ORGANISATION STUDY
Stalisties
1
Syndicate Bank
Net profit:
|
Net profit
2006 Rs.180.58
crores
2007 Rs. 221.03
crores
The net profit of the Bank increased to Rs. 221.03 crores for the
quarter ended 30th June 2007 from Rs. 180.58 crores for
the quarter ended 30th June 2006.
70
ORGANISATION STUDY
सिटिि Syndicate Bank
Operating Profit:
2006
Rs.293.95
2007
Rs.314.52
| Operating profit |
|
Total Income:
2006
Total income 77
Interest income |
Profit on sale of
investments
Rs.1357 crores
Rs.1231 crores Rs.
24 crores
2007 Rs.1999
crores Rs.1846
crores Rs. 38
crores
|
ORGANISATION STUDY
सिटिि Syndicate Bank
2006 Rs.506
crores
2007 Rs.547
crores
Net Interest Income
The NII for the quarter ended 30th June 2007 grew by 8% and
stood at Rs.547 crores as against Rs.506 crores for
the quarter ended 30th June 2006.
Net worth:
2006 1 Rs.2818
crores
2007 Rs.3406
crores
Net worth
2006
3.85%
2007 3.06%
Non Performing Asset
72
ORGANISATION STUDY
सिटिि Syndicate Bank
ii) Earning per share (EPS): EPS improved to Rs. 16.92 as on 30th
June 2007 from Rs. 13.84 as on 30th June 2006.
iii) Book Value per Share: The Book Value per share increased from Rs.
57.74 as on 30th June 2006 to Rs. 73.59 as on 30th June 2007.
Income: Interest
earned 1 Other
income
Total
3757,62,37
564,55,41
4322,17,78
4050,41,90
561,96,59
4612,38,49
6040,07,15
618,47,63
6658,54,78
Expenditure:
Interest
expended
Operating expenses
Provisions & contingencies
Total
2063,79,592169,54,87 3890,01,62 1264,20.34
1434.81,37 1385,97,52 591,27,74
471,53,01666,49,56 3919,27,67 4075,89,25
5942,48,70
73
ORGANISATION STUDY
सिटिि Syndicate Bank
Profit / Loss:
Net profit
402,90,11
536,49,24
716,06,08
Ratio analysis
re
✓ Return on Assets
74
ORGANISATION STUDY
सिटिि Syndicate Bank
Formula:
Net Profit
X100 Total Income
Particulars
31-03-
2007
31-03-
2006
31-03-2005
Net Profit
5364924
4029011
7161108
6658547
8
Total Income
46419943
43480439
Profit
Margin
10.75%
11.56
%
9.27%
Interpretation:
The ratio reveals that the profit margin has been reduced in the
year 2006-07 that is 10.75%, this is due to the increase in the total
expenses of the bank. The major expense being the interest, which
is increasing from the previous years.
Return on Assets ratio
Formula:
Net Profit
-X100 Total Assets
Particular
s
31-03-
2007
31-03-
2006
31-03-
2005
ORGANISATION STUDY
fursacas
Syndicate Bank
Head Orlice: Manipal -576 104 Your faithful & friendly financial partner
Net Profit
7161108
5364924
4029011
Total Assets
892772901
610767552
521094246
ROA
0.80%
0.88%
0.77%
Interpretation:
Formula
Interest Expended
--x100 Total Income
31-03-2006
31-03-2005
Particulars
31-03-2007
Interest Expended 38900127
Total Income 66585478 Interest
expense 0.58% Ratio
21695487
46419943
0.47%
20637959
43480439
0.47%
Interpretation:
The ratio shows that .58% of the total income is paid as interest. It
shows the interest expenditure is rising as compared to the past three
years which in turn reduces the profit of the bank.
ORGANISATION STUDY
सिटिि Syndicate Bank
Formula:
Particul
ars
31-03-
2007
31-03-
2006
31-03-
2005
Earnings Per
Share
13.72
%
10.60
%
8.54
%
Interpretati
on
5.8
1
4.31
4.6
2
funds (%
Interest spread (%) Fund Based
Income/Funds employed (%) Net Profit/
Funds Employed (%)
PAT /Net worth (%)
Tax/PBT (%) Total
liabilities / Net worth
Investment Deposit Ratio
Credit Deposit Ratio
Capital Adequacy Ratio Ratio of
NPA's to Net Advances
Yield on
advances
Cost of deposits Return on
assets
3.20
7.69
0.86
19.76
0.00
24.63
0.32
0.66
10.70
1.59
8.64
4.58
0.82
3.51
7.78
0.94
18.93
0.00
21.55
0.32
0.68
11.73
0.86
8.72
4.48
0.91
3.81
8.52
0.83
18.33
7.04
23.70
0.44
0.58
11.74
0.76
9.28
5.44
0.91
Share statistics:
As on EPS
(Rs.) CEPS
(Rs.)
31-Mar-07
13.7
2
15.32
31-Mar-06 L 10.28
11.15
31-Mar-05
8.5
4
9.33
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal-576 103 Your faithful & friendly financial partner
ORGANISATION
STUDY
सिटिि Syndicate Bank
Head Office: Manipal - 576 104 Your faithful & friendly financial partner
LEARNING EXPERIENCE
Learning Experience
Gained
79
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Orlice: Manipal -576 104 Your faithful & friendly financial partner
ORGANISATION STUDY
सिटिि Syndicate Bank
Head Office: Manipal-576 103 Your faithful & friendly financial partner
Apart from these issues the bank has to concentrate on various aspects
like:
In the present era, many banks make their best effort to attract
number of customer towards them, which resulted in
aggressive competition in banking industry. So, Syndicate
Bank must cope up with the latest technology so as to
provide better services for the customers, they must make
an effort to study well the mindset of the customer
and provide new products and services. As all the banks
are trying to attract more industry to borrow loan from the
bank, it is necessary for Syndicate Bank to improve the
quality of service provided by the adoption of new
technology like CBS, ATM, Global Card etc. in all their
respective branches.
ORGANISATION STUDY
सिटिि Syndicate Bank
CONCLUSIONS
415464 154856
5047
430343 296806 125055
8239
604007 417992 170530 15205
533
1819
214
1821
243
280
2
Other Income
27863
14073
64809
42472
61848
3
TOTAL INCOME (1+2)
226563
I
177603
641997
472815
665855
Interest Expended
151297
107937
426175
275704
389002
5
Operating Expenses (e+f)
Employees cost Other operating expenses
38005 23764 14241
37684 25056 12628
114506 73040 41466
106212 70752
35460
138597 89447 49150
6
189302
145621
540681
381916
527599
TOTAL EXPENDITURE (4+5) (Excluding Provisions and Contingencies)
7
37261
31982
101316
90899
138256
OPERATING PROFIT (3-6) (Profit before Provisions and Co
encies)
9
Exceptional items
32891
18032
86236
61596
72782
10 Profit(+)/Loss(-) from ordinary activities
before tax (7-8-9)
11 Tax expenses
5572
-4580
14056
420
1176
27319
22612
72180
61176
71606
12 Net Profit(+)/Loss(-) from ordinary activities
after tax (10-11)
of
14 Net Profit(+)/Loss(-) for the period (12-13)
27319
22612
72180
61176
71606
52197
52197
52197
52197
52197
15 Paid-up equity share capital
(Face value of the share Rs. 10/- each)
338479
211558
338479
211558
266298
16 Reserves excluding revaluation reserves
(as per balance sheet of previous accounting year)
17 Analytical Ratios
Percentage of share held by Govt. of India Capital Adequacy Ratio Earning
per share (Rs.)
66.47% 11.99%
66.47% 1 11.23%
66.47% 11.99%
66.47% 11.23%
66.47% 11.74%
13.83
11.72
13.72
5.23
4.33
13.83
11.72
13.72
(a) Basic and diluted EPS before Extraordinary items (net of tax
expense) for the period, for the year to date and for the previous year (not to
be annualised) (b) Basic and diluted EPS after Extraordinary items for the
period, for the year to date and for the previous year (not to be annualised) NPA
RATIO
(a) Gross NPA (b) Net NPA (c) % of gross NPAS (d) % of net NPAS Retum on
Assets
5.23
4.33
160472 70278
165211 43780
2.86
3.33
160472 70278
2.86 1.27 1.02
165211 43780
18 Public Shareholding
Rs. P.
Consolidated Details for the nine months period ended 31.12.2007
Rs. in Crores
141,569.00
722.04
1 Consolidated turnover 2 Consolidated Net Profit 3 Consolidated
EPS (Not Annualised) 4 Consolidated EPS (Annualised)
13.83 18.44
BIBLIOGRAPHY
•
http://syndicatebank.i
n
IBA bulletins.
bank
INDUSTRY PROFILE
COMPANY PROFILE
PRODUCTS & SERVICES PROFILE
Structure
Strategy
Systems
Shared Values
Skills
Styl
e
Staff
MCKINSEY'S 7S FRAMEWORK
SWOT ANALYSIS
ANALYSIS OF
FINANCIAL PERFORMANCE
LEARNING EXPERIENCE
CONCLUSION
BIBLIOGRAPHY
ANNEXURE
CONTENTS
Introduction Industry
Profile Company
Profile Products and
Services Profile
McKinsey's 7S
Framework SWOT
Analysis Analysis of
Financial
Performance 8. Learning
Experience 9. Conclusion 10.
Annexure 11. Bibliography
BHANDARKARS' ARTS AND SCIENCE
COLLEGE, KUNDAPUR
Ś COLL
GE.COON
DAPOO
रामानन्धनम्
CERTIFICATE
Business
Management.
Guide
Principal
Head of the Department of
Commerce and Business
Management
Date: Place:
Kundapura
COLLEGE, KUNDAPUR
GE.COO
$ SOU
GOWDAPOOR
या टवरचित
V
DECLARATION
Date: Place:
Kundapura
( MR. PRASHANTHA SHETTY K.)
ACKNOWLEDGEMEN
T
I am very much beholden to Mangalore University
for this wonderful opportunity to undertake the
Project Study as a part of the fulfillment of
Bachelor's Degree in Business Management.
My grateful thanks are due to Prof. NARAYAN
RAO the Principal, Bhandarkars' Arts and
Science College for extending the necessary
support in the preparation of this project.
A particular word of thanks is due to Prof. K
SHANTHARAM H.O.D. of Commerce and Business
Management and other faculty members for
their useful tips and encouragement. My
esteemed guide, Ms. VIDYA, Lecturer in
Business Management, deserves all appreciation
and thanks for patiently and efficiently guiding me
throughout the preparation of this project.
I am extremely grateful to Deputy General
Manager SRI SUJIR PRABHAKAR, Assistant General
Manager SRIH VASANTH NAYAK & STAFF OF
SYNDICATEBANK Regional Office Udupi for
providing the necessary information
I also express my gratitude to
RADHAKRISHNA JOISA, Personal Department
Head office Manipal for his words of wisdom,
encouragement and
the interest he had to make my project an
interesting and educative one.
Above all I thank my parents for helping,
and encouraging me throughout my project work
and also my friends and Mr. DINESH BHAT of
BHAT'S TELECOM CENTRE, who have helped me
in completing this project on time.
A PROJECT REPORT ON
organization study OF
३१
VENDLY
SyndicateBank
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