Registration Form

1. Name of the Student : Vikas J

2. Name of the Organization : NIL

3. Name and details of Co Guide in the Organization: NIL

4. Proposed dissertation area : Finance

5. Proposed dissertation topic : A Study on capital structure analysis of cement industries in

India.

6. Write a brief note on your topic: (Minimum 100 words)

Npa have turned to be a major stumbling block affecting the profitability of Indian banks before
1992 ,banks did not disclose the bad debts sustained by them and provision made by them fearing
that it may have an adverse owing to the low levels of profitability ,banks owned funds had to be
strengthened by repeated infusion of additional capital by the government .the introduction of
prudential norms strengthen the banks financial position and enhance transparency is considered
as a milestone measure in the financial sector reform .these prudential norms relate to income
recognition asset classification, provisioning for bad and doubtful debts and capital adequacy. The
study was conducted in Apex Bank” A Study on Loans and Advances” with reference to ksc apex
bank.

Student’s Signature:

Approved or Disapproved If it is disapproved, the reasons for revision

……………………………………………………………………………………………………..

Faculty Guide’s Signature with date

Study of Loans and Advances with Reference of Apex Bank

Synopsis submitted in partial fulfillment of the requirements for the

award of the degree of
MASTER OF BUSINESS ADMINISTRATION
Of
BANGALORE UNIVERSITY

By

VIKAS J
Reg. No. 1781CMD153

Under the guidance of

Prof. Shalini R
Associate Professor
 ADARSH INSTITUTE OF MANAGEMENT AND
INFORMATION TECHNOLOGY
Bangalore University
TITLE OF THE STUDY

Study of Loans And Advances With Reference Of Apex Bank

INTRODUCTION

This project is mainly concerned with a “STUDY ON LOANS AND ADVANCES”

of the “Apex Bank’”. The main objective was to study about loans and advances offered by bank
to the customer.

One of the primary functions of the banker is “lending”. This activity is taken up with the
objective of making profit. Although the banks are governed by statues, it can be considered as
one of the business organization. They cannot keep the deposits, collected from the public. In fact
it is collected with the primary object of lending and making profit out of interest received and
paid. Their main business is to deal in money and provide finance to the needy. To help the
customers, banks have opened various types of loans and advance. These loans depend on the
different schemes according to their needs. This is a study which is related to the loans and
advances offered by ‘Apex Bank’.

The success of any loan scheme would very much depend on the personalized services of
the staff of the branches of that bank. Integration with rural community, participation in local
activities and development of personal relations by bank staff will enable the bank to tap the loan
market.

The banking industry today facing many challenges, globalization, economic pressures, new
technologies like internet, changes in legislation, RBI regulation, government interference and the
environment, all contributes to the decision making and strategies.
 One of the most significant development creating major impact in increased sophistication
of customers; they are comparing and negotiating prices and quality, demanding more and
dropping previously loyal habits. They are seeking ‘value’.

Needless to say, customers are the central determining force today for companies. The main
business equation is no longer being driven from the internal perspective of producing a product
or services and selling it has moved to supplying the individual demands that are more complex
and fast changing for more weight has now to be ;laced on customer understanding, customer care
and customer relation.

NEED OF THE STUDY

This topic of project is mainly concerned with loans and advances section. The main area
covered under this is study of various schemes offered by ‘Apex Bank’ with different interest rates
and benefit to attract the customer.

A descriptive study was considered to be adequate to achieve the objectives of the study,
and the study was conducted in APEX BANK ”A STUDY ON LOANS AND ADVANCES”
with reference to ksc apex bank.

STATEMENT OF PROBLEM

The study has been conducted to know the various loans and advances offered by ‘Apex
Bank’ with different rates, benefits. Here the main idea is to analyze the difference between the
various loans schemes offered by the bank. This creates an opportunity to slide the various loans
and advances provided by the bank.

OBJECTIVES
The general objectives of the study was to analyse the npa level in commercial banks
however the study was conducted with the following specific objectives….

1) To analyse the loans and advances of the apex bank

2) To study the recovery procedures of apex bank
3) To examine how far the bank has been successful in reducing the npa level
4) To suggest measures for efficient management of npa
RESEARCH DESIGN

Research design here refers to the methods used to collect the required data for the survey.
It is the outline of the total project. It contains the information stating the objectives of the
study, scope of the study methodology of the study, tools and techniques used for the survey,
methods of data collection

DATA COLLECTION TOOLS:

Data mainly collected from both primary and secondary sources.

1. PRIMARY DATA: Primary data are freshly gathered for a specific purpose or for
a specific research project. Primary data was collected by way of discussion with
company officials. Mainly with bank manager. It has collected through the interim
schedule, discussion and by interacting with the officials of the organization or the
respondents.

2. SECONDARY DATA: Secondary data that were collected through published

materials like pamphlets, company books and from the official website

TOOLS AND TECHNIQUES:

Information has to be collected on the basis of the questionnaire distributed to the borrowers
Internet/ prominent search engines have been used for collecting the Data, market watch is also
used to some extent for interpretation analysis.

All data collected are carefully classified, tabulated for the purpose of research and interpreted on
the basis of charts and tables.

CHAPTER SCHEME
Chapter 1: Introduction
Chapter 2: Review of Literature and Research Design.
Chapter 3: Company/sector of the profile
Chapter 4: Data analysis and Interpretations.
Chapter 5: Summary of Findings, Conclusions and Suggestions.
VIKAS J. Prof. Shalini.R

Student Signature Project Guide Signature