CHAPTER – 1

1.1 INTRODUCTION: -

Any field reporting requires an initial plan. The scope and aim of the study that should
be unstated at the outset. One should have a current perfect idea about the reporting
process used in the study since the worth of any methodical research lie in method.
Research is one kind process in which the research tries to analyze the data available
to him either to find a solution to future or existing problem or to use an opportunity
available in the environment. A good research design ensures effective result and
research in the successful usage of resources. The draft for the collection, distribution
and analysis of information established in research design.

Today Bank has turned into a vital part of our life. Aside from their conventional business situated
capacities, they have now come prepared with global duties. Banks quicken the financial
development of the nation and steer the wheels of the nation towards its objective of independence
in all fields. The underlying banks were most likely the religious sanctuaries at the antiquated
world. It was likely settled some of the time amid the time of the third thousand years BC. Banks
originated before the development of cash. There are records of advances from eighteenth century
in Babylon which were made by sanctuary clerics or priests to brokers.

The project provides knowledge and skill in actual world practice and also to get the
related data and experience which helps to move into specific profession field (area).
The project internship is comparative short period and it is primarily concerned with
getting the practical experience and implementing the chapter read (learned) at in our
classroom and it can be applied it in our real life. Internship is the best method to
start structure significance network, which are valuable in uploading and emerging a
healthy expert network. It is good experience through investments is a very good idea
of earning money, it is much riskier. Hence careful analysis has in the required

Page 1
projects. Investment into product may lead to risk and investment loss hence we need
well designed tool to solve a problem.

1.2 INDUSTRY PROFILE

BANKING

The word ‘‘Bank’’ derived from the French word which means ‘Banque’ and in the Italian word
which means ‘Banca’ and Latin word ‘Bancus’. The writings of Kautilya and Manu contained a
references to bank. Banking in one or other form which was existence even in the ancient time
only. Modern banks reflect the character of a joint stock business. The German word Bank means
a joint stock firm.

However, banking is a various kind of business weather it may modern banking, is of current
origin. It was come into exist only after the industrial revaluation with the increase in the number
of size of business and industrial unit and also after joint stock company from of the business
organization came into the existence. As such, modern banks or joint stock banks are the recent
development.

As per Banking Regulation Act of 1949, Section 5 (1) (b) of a similar demonstration characterizes
the "Banking" as "tolerating with the end goal of venture or loaning, of stores of cash from open
repayable on interest or generally and drawable with a money order, request and draft or something
else". area (5) (c) Define the expression "Banking Company" as "any Company which executes
the matter of banking in India".

According to the above definition, the expression "Banking" incorporates not just the fundamental
exercises of acknowledgment of stores from the general population and loaning of assets to the
poor individuals, yet in addition a few different exercises, for example, settlement of assets, the
gathering of checks, draft and acknowledgment of safe-care affidavit, and so on., which are by and
large, alluded to as auxiliary administrations.

Page 2
HISTORY OF BANKING IN INDIA:

Indian banking industry is the first one to begin from the performance of the money lending to the
business by small number of money lenders concerned with the limited area of operations and
limited financial resources for the growth of large number of commercial bank with huge financial
networked of resources and diversified Banking activities which may spread all over the part of
every country of our universe.

The primary Bank of India, General Bank of India which was built up in 1786 till today, the voyage
of India Banking framework can be isolated into 3 unmistakable ways. The accompanying
subtleties demonstrates the total subtleties of the financial framework.

 Easy stage from 1786 to 1969 was the Indian banks.

 Phase from 1991 before Indian Banking area changes which has nationalized as Indian
Banks.
 New period of Indian Banking framework which was approach of banking area and Indian
monetary change after 1991.

CULTURE AND FUNCTIONS OF BANK:

Effective culture is important because of the central role that the financial sector plays in the
supportive growth, the modern economy, employment and future wealth and It is also necessary
to the sustainability of financial services businesses themselves, with growing evidence that the
lack of a consumer-focused culture in firms corrodes damages and competitiveness them long-
term views. ‘The goal of the financial sector must be not only to exploit the wealth of its owners,
but to enrich culture by supporting economic activity and creating value and employments – to
finally improve the safety of people’.

An Effective organizational culture figures on common purpose and standards such as skill,
honesty, integrity and accountability to deliver reasonable outcomes that have the interests of users
at mind, these things led to the failing which leads to adverse effect on prospective customers.
The major functions of a bank are given below: -

Page 3
a) It accepts the deposits from their customers. A saving bank account helps needy people by
providing interest on their savings to pays interest to customers on their deposits and it is well
popular in small savings of needy peoples.
b) A Bank creates a credit instrument like a bank draft, cheque, bank notes and also letters of credit
to their customers.
c) A Bank creates other low-priced media of exchange a note or a cheque and also Bank issue
notes.
d) A Bank helps to lend a money to the needy person at specific interest rate. More over every
bank’s gives the loan facilities to their customers when they are in difficult situation. The Banks
provide loans to agriculturalist, businessman, and industrialist who invest it in risks.

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BANKING STRUCTURE OF BANKING SYSTEM IN INDIA:
National Bank which is notable as RBI (Reserve Bank of India). RBI is the controller of all banks
in India. All Banks in our province are required to pursue the rules which has been issued by RBI.

The structure of the Indian Banking System is given below:

Structure of Indian banking industry

Schedule Banks Non-Schedule Banks

Scheduled Commercial Scheduled Co-operative

Banks Banks

Public Sector Banks Rural Co-operative Banks

Short-term
SBI & Associates
Long term
Corporation Bank
Urban Co-operative Banks
Nationalized Banks
(Including IDBI) Signal

Private Sector Banks Multi-state

Foreign Sector Banks

Regional Rural Banks

Page 5
COMPANY PROFILE:

CORPORATION BANK LOGO:

Introduction:

Company : Corporation Bank

Type : Public

Founded : 12 March 1906; 113 years ago

Industry : Financial services, Banking.

Founder : Khan Bahadur Haji Abdullah Haji Kasim

Saheb Bahadur.

Key people : P.V. Bharathi (MD and CEO).

Headquarters : Mangalore, Karnataka, India.

IFSC Code : CORP0001982

Branch code : 001982 (Last 6 digit of IFSC Code)

Address : Nagavara Near Bus Stop, Channapatna Taluk,

Ramanagara District, Bangalore Rural, Karnataka.

Phone number : 9019032975

Website : CB1982@corpbank.co.in

Page 6
Background and origin of corporation Bank:

The early growth was consciously need based and cautious. The primary part of the Bank was
opened at Kundapur in 1923, trailed continuously in Mangalore in 1926. The Bank ventured into
the then Coorg State in 1934 by opening its seventh branch at Madikeri. In 1937 the Bank was
incorporated into the second timetable of Reserve Bank of India Act, 1934. In 1939, the Bank's
name changed from Canara Banking Corporation (Udipi) Ltd., to "Canara Banking Corporation
Ltd.," and intensely advanced its vision with the aphorism "Sarve Janah Sukhino Bhavantu" which
signifies "Thriving to All". Next change for the sake of the Bank happened in 1972, from 'Canara
Banking Corporation Ltd.' to 'Company Bank Limited.' and in conclusion 'Organization Bank'
following its nationalization on fifteenth April, 1980.

The Bank assumed the needs of nationalization in full walk and developed fruitful in satisfying
the national targets, while supporting its execution situated benefit Augmentin record and culture.
In the midst of all these, the Bank crossed Rs.1000 crore-store mark in the year 1985 and carried
on its exercises in 1990s with spotlight on superb improvement by grasping new innovation. The
finish of first period of Banking segment changes in India had seen the Bank developing as the
most creative and dynamic bank in the open area, eclipsing different banks as far as resource
quality, capital ampleness, operational proficiency, all around differentiated salary base,
gainfulness, efficiency, and solid monetary record. The gigantic measure of certainty and
steadfastness rested by the customers specifically and public as a rule, showed itself in the
staggering reaction to the IPO of the Bank in the year 1997.

NATURE OF BUSINESS:
The Corporation Bank has a Pan-Indian nearness. Presently, The Bank has a system of 2,600
completely robotized CBS Branches in our nation. The business carried by the corporation Bank
is generally related to providing agricultural short term and long term loans, provide property
building loans and insurances facilities to their customers and it also offers various other facilities
to their customers such as Balance Enquiry services through missed call, Corp Rewards, Internet
Banking, e-Passbook, Corp e-purse, Corp Mobile.

Page 7
PROMOTERS:

NAMES DESIGN

Balakrishna Alse General Manager

Birupaksha Mishra Executive Director

Chitra S Gouri Lal Director

D Diptivilasa Director

Gyana Ranjan Sarangi Deputy General Manager

P V B N Murthy Chief Vigilance Officer

S K Dash Secretary

P V Bharathi Managing Director & CEO

CORPORATE VISION STATEMENT:

"Rise as a Model for Inclusive Growth and Innovative Banking Services"

CORPORATE MISSION STATEMENT:

 To extend our compass to meet the money related requirements of individuals.

 To furnish full scope of banking administrations with inventive items.
 To keep receiving current innovation for predominant financial experience.
 To make a compensating domain for all partners.
 To proceed as a model association for straightforward and moral practices.

QUALITY POLICY:
 Arrangement on Disclosure of Material Events.
 Arrangement on Determining Material Subsidiary.
 Corporate Disclosure Policy-Code of Corporate Disclosure Practices for Prevention of
insider exchanging.

Page 8
  Related Party Transactions Policy.
 Corporate Governance Policy.
 Corporate Governance - Code of Conduct.
 Profit Distribution Policy.
 Web Archival Policy.
 Set of accepted rules for anticipation of Insider Trading.

PRODUCTS / SERVICES PROFILE:

Some of the major products of Bank’s are as follows:

List of type of loans and advances.

1) Housing Loan Scheme:

Eligibility:

 Any Individual who aged 21 years or above having regular income.

Purpose:

 Taking over of existing Housing Loan from other Financial Institution/Bank.

 The advance is currently reached out to those cases likewise where pads are being built
by engineers/advertisers where prompt home loan of the property may not be
conceivable.
 Extension/Repair/Renovation/Furnishing of level/house.
 Purchase of as long as 35 years of age level/house.
 Quantum of credit relies upon the expense of house level application's age, salary,
reimbursement limit and so forth.
 Buy or development of house/level, Purchase of land.

A safe house which one can call their own is the fantasy of everybody. With the Housing Loan
Scheme, nearly anybody would now be able to satisfy their since quite a while ago esteemed dream
of owning a house or a level of her/his decision at most appealing terms.

Page 9
2) Personal Loan Scheme for Salaried Persons:
Miner girl's marriage, Repairing of old house, Major careful activity, Section cash for
child's Instruction abroad or some other social monetary obligation. Our Personal Loan
Scheme has planned just to meet such projections. Client would now be able to hurl a moan
of help.

Eligibility:

 When you are a salaried Person, with enduring service with at least 3 years, you can
apply for the loan.

Quantum of Loan:

 The Maximum sum of loan shall be 40 months' Net salary or Rs 3 lac, Whichever is less.

Period of Loan:

The Loan’s is to be within a period not Exceeding 36 Months.

3) Education Loan Scheme:

Bank are presently at the doorstep to help their client's interest for perfection. Our
Educational Loan Scheme has been intended to meet expenses for advanced education in
India and abroad. On the off chance that Condition is that he/she ought to be an Indian
National and verified an admission to any of the accompanying
scholarly/proficient/Selection process in a Board/specialized courses through Entrance
Test/Institution/University.

Courses Eligible for Study in India:

Quantum of Loan:

 Graduation Courses: B.A, B.Com, B.Sc., and so on

Page 10
  Post-Graduation Courses: Master's and Ph.D
 Courses offered in India by rumored outside Universities.
 Courses led by IIM, IIT, IISC, XLRI, NIFT, and so forth.
 Professional Courses: Engineering, Medical, Law, Agriculture, Veterinary, Dental,
Management, Computer, and so on.
 Computer Certificate Courses of rumored Institutes certify to Department of Electronics
or Institutes associated to University Courses like ICWA, CA, CFA, and so on Evening
Courses of affirmed Institutes.
 Courses Eligible for Study Abroad:
 Graduation: For employment situated specialized/proficient courses offered by rumored
Universities
 Post-Graduation: MBA, MCA, MS, and so on.
 Courses led by CIMA - London, CPA in USA and so forth.

For Study in India: Max. Rs. 10 Lack’s.

For Study Abroad: Max. Rs. 20 Lack’s.

Customer Service and Technology:

 ATM's- with the accelerated thrust for ATM network, in tune with changes and customer
preferences, the Bank has optional and the entire number of ATM's to 1032 across the
country. The Bank has accelerated its technology drive during the year by offering
several innovative tailor made products and services with the ultimate objective of
delivering value to customers. Corp - facilitating reservation of railway tickets through
interest by customers of the bank.
 Corp Kisan Card Facility for functioning comprehensive credit limits fixed for farmers
through the Banks ATMs.
 Corp Companion- Any branch banking facility by which our customers of core linked
branches can operate their account from over 366 crores branches of the Bank spread

Page 11
 over 133 centers. Corp Power Cheque multi city cheque facility wherein the customer can
issuecheques drawn on the base of their branch, payable par at selected remote centers.
 Corp Mediclaim -facility given to the medical insurance needs of our customers who is
the holders of Corp Convenience Debit Card.
 Corp 4 in 1 Account- (variants of current accounts). A product wherein the customer has
the choice to open any one of 4 types of current accounts and enjoy graded concession in
various service charges based on quarterly average balance maintained in their account.
 Corp Quick Remit-an online remittance service for the NRI's based inCanada and USA
which provides them a means to transfer funds to India securely, quickly, conveniently
and in a cost-effective manner through Automated Clearing House (ACH) network in
USA.
 Corp Xpress Money- a facility for fast money transfer to India has NRI's based on the
Gulf and Middle East in association with the UAE exchange center.

AREA OF OPERATION:

Corporation Bank works in the all rural and semi urban level. It does not operate in any
international level. The area of Corporation bank will be expended to the whole Karnataka state.
It has Branches in Channaptana and headquarters is situated in Mangalore, Karnataka, India. the
branch offices of Bank are delegated with power of sanction of disbursement’s. The Registered
office of the Bank is situated in Nagavara Near Bus Stop, Channapatna taluk, Ramanagara District,
Bangalore Rural, Karnataka.

INFRASTRUCTURE FACILITIES:

Corporation Bank’s is the fast growing National Bank with over a 1940 service openings across
the Nation in 29States and 2 Union territories. We are present in almost all 120 top cities in the
country. We have a large presence in major Metros in India.

Delhi over - 160 outlets

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Bangalore over - 180 outlets

Hyderabad over - 50 outlets

Mumbai over - 150 outlets

Chennai over - 60 outlets

To serve esteemed customers with Convenience banking, Corporation bank strong network of over
1085 ATM's across the country. Corporation bank is excited at the growing opportunities for
business by meeting the customer expectations exceedingly well, expanding the footprints and
reaching our brand to new destinations. The main branch has staff strength of 12 out of which as
1 manager, 3 officers, 6 clerks,1 part-time full time attainders.

OWNERSHIP PATTERN:

The bank is a public sector unit with 70.14% of share capital held by the Government of India.
The Bank originated with its initial public offer in Oct 1997.After the Government of India having
major shareholder the next is LIC followed by Financial institutions, mutual funds and UTI,
corporate bodies, and foreign institutional investors (FII's), NRIs and the resident Indians.

COMPETITORS INFORMATION:

The major competitors are as follows:

The major private and public sector Banks are as State Bank of India, Karnataka Bank’s, Vijaya
Bank’s, Canara Bank’s, Axis Banks, Credit Co-operative Societies, Private Money Lenders,
Andhra Bank’s, PNB, IDBI Bank’s, State Bank of Mysore, Bank of India, Bank of Baroda,
Syndicate Bank’s, Central Bank’s.

ACHIEVEMENTS AND AWARDS, ACCOLADES:

 The Bank has bagged three “SKOCH Order-of-Merit 2018 Awards under the following
categories on 22nd December 2018:
1. Financial Inclusion

Page 13
 2. Guide to be Best in Insurance Penetration.
3. Implementation of technology in Forex operations.

 The Bank has bagged the “BEST MSME BANK-WINNER 2018” award during 6th
ASSOCHAM SMEs Excellence Award – 2018 Instituted by The Associated Chambers
of Commerce & Industry of India (ASSOCHAM) on 24th October, 2018.
 The Bank’s has caught three awards under the Aadhaar Excellence Awards instituted by
Unique Identification Authority of India (UIDAI).
 The Bank has got Best Community Development Award at the National CSR Leadership
Congress on 5th September, 2018.
 The Bank has trapped three awards instituted by Chamber of Indian Micro Small &
Medium Enterprises [CIMSME] consistently for the 5th year in a row under the following
categories: I. Best MSME Bank Award - Runner up (Emerging Category). II. CSR
Initiatives & Business Responsibility Award - Winner (Emerging Category) III. Best Bank
for Promotional Schemes Award - Runner up (Emerging Category)
 The Bank has bagged “Investor Relations Awards 2018” under category- Best Expectation
Management (Mid Cap) for the FY 2017-18.
 The Bank has get “National Payments Excellence Awards 2017” winner in commercial
Banks Category B for excellent performance in RuPay Cards, instituted by NPCI for
Financial year 2017-18.
 The Bank received the winner award under Best Social Bank and Joint runner-up award
under Priority Sector Lending for Large Bank class category for 2017 instituted by The
Associated Chambers of Commerce & Industry of India (ASSOCHAM).
 The Bank taken the “Best SME Lending -2017” award during Fifth ASSOCHAM SMEs
Excellence Award 2017 instituted by The Associated Chambers of Commerce & Industry
of India (ASSOCHAM).
 The Bank has taken “SKOCH Award for MUDRA Performance - 2017” and “SKOCH
Order-of-Merit Award for A Road Map to be Best in Insurance Penetration” instituted by
SKOCH Group for Financial year 2017-18.

Page 14
 The Bank has packed away "SKOCH Award for MUDRA Performance - 2017" and
"SKOCH Order-of-Merit Award for A Road Map to be Best in Insurance Penetration"
initiated by SKOCH Group for Financial year 2017-18.
 The Bank packed away the Rajbhasha Kirti Puraskar initiated by Department of Official
Language, Ministry of Home Affairs, Government of India. The Bank was granted Second
prize under Nationalized Banks class in 'C' area for incredible execution of Official
Language approach of the Govt. of India in its workplaces and branches spread the nation
over.

Page 15
CORPORATION BANK SWOT ANALYSIS:

STRENGHS WEAKNESSES

OPPORTUNITIES THREATS
SWOT

In the Below box is the Strengths, Weaknesses, Opportunities and Threats (SWOT) Analysis of
Corporation Bank are as follows:

Corporation Bank SWOT Analysis

Strengths  An Equal presence in rural and urban areas.

 The Strong Financial performance.
 An Employee base of over 12,000 people.
 Customized banking solutions.

Weaknesses  A Lack of Pan India presence.

 Less publicity and branding in comparison with leading
banks.

Opportunities  Innovative products and services.

 The Government funding.

Threats  The Economic crisis and volatile markets.

 The Changing RBI policy.
 A Presence on other banks.

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FUTURE GROWTH AND PROSPECTS:

With the sureness that can only come from earning the trust of generation’s, corporation bank now
looks to an exciting future. In the medium term, it aims to reach a commercial level of Rupees
200000 crores and 16million customers by March 2019 with focus on double bottom line. The
Bank plans to open over 1000 outlets in three years, taking the tally of outlets to more than 2400
across the country. The bank has set its sight on overseas operations and plans to open
representative offices in foreign countries. Corporation bank aims at leveraging its position as a
financial institution that combines a rich heritage with a futuristic look. Its activities will continue
to contribution to corporate in their business, even as it helps the common man realizes his dreams.
And its services shall continue to spread deeper into rural India, even as it spreads out further
across the globe.

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FINANCIAL STATEMENT:

The major financial key indicators (End of March 2018)

SL. PARTICULARS 31.03.2017 31.03.2018

NO

1 Membership 854 896

2 Share Capital 333.18 229.13

3 Reserves 11,891.13 9,849.42

4 Own funds 49,546.19 57,418.87

5 Working Capital 9,82,491.69 11,79,894.05

6 Borrowing 6,468.95 22,171.74

7 Cash balance and balance with other Banks 52,162.82 54,865.35

8 Deposits 220,583.21 183,854.32

9 Investment 64,684.09 70,684.12

10 Loan and Advances issued 119,086.72 140,894.15

11 Net Profit 11,451.13 14,948.00

INVESTMENT Rs. In lakhs

1 In share of co-operative institution 2152.42

2 State and Central government security 115823.16

3 Other trustee securities 845.00

4 Other investment 91968.54

TOTAL 210789.12

Page 18
 CHAPTER – 2

CONCEPTUAL BACKGROUND AND LITERATURE REVIEW

THEORETICAL BACKGROUND OF THE STUDY:

2.1 INTRODUCTION:

LOANS AND ADVANCES:

Advances and Loans are a standout amongst the most essential part of any financial association.
Credit is a sort of obligation. Like all obligation instruments, an advance involves the
Rearrangement of monetary resources after some time. The borrower at first gets a measure of
cash from the loan specialist, which they pay back, more often than not however not generally in
even portion, to the bank. This administration is by and large given at an expense, alluded to as
enthusiasm on the obligation. The Sum of acquired Money (Principal) of the clients that is by and
large reimbursed with premium. Credit to - Value – Ratio the connection between the aggregate
of the home loan advance and the evaluated Value of the property communicated as a rate. Lock
of moneylenders ensure that the home loans are cited will be useful for a particular Number of
days from day of utilization.

The historical backdrop of the credits started, all things considered, individuals have been included
loaning and acquiring for as long there has been a thought of proprietorship. The historical
backdrop of advances and advances can be archived no less than quite a long while back types of
loaning were apparent in old fashioned Greek and Roman occasions obviously. Anyway
understand that loaning began a lot sooner than numerous individuals would envision and has its
establishment in much former times. Anyplace and wherever Banking has built up a component
of the cutting edge monetary framework. Electronic finances exchanges and E-Banking
administrations have made globe into a little town and have expelled the geo graphical imperatives.
Innovation has been recognized as an imperative factor by different financial experts. Since
decades, in this foundation this unit audits different speculations identified with the present
investigation. This hypothesis examines the highlights of innovation adopters who acknowledge
cutting edge innovation.

Page 19
There are diverse kinds of credit offered by a bank where as pursue:

 Housing advances.
 Education advances.
 Car advances.
 Consumer advances.
 Against contract.

Organization Bank kept on broadening its loaning procedure in the gainful and need parts both
open and private covering horticulture, industry, exchange and trade. The conceding of advances
is a standout amongst the most imperative elements of a Bank and the trial of a Bank's quality
depends extensively on the magnificence of its advances and the extent they bear to the absolute
store. Despite the fact that receipt from Exchange, Commission and Bank's Charges contribute a
considerable lot of the benefits of Commercial Bank, its profit are principally gotten from premium
charged on advances and limits. An insightful and reasonable in regard to Advances is hence,
considered the hugest division rousing trust in the investors and clients of a Bank. Under this
significant plans advances of the organization bank gave underneath to their clients in their bank.

LOANS RATE OF SECURITY REPAYMENT LOAN AMOUNT

INTEREST

Housing @ 12.00% Registered Mortgage of Maximum Up to Maximum up to 50

loan p.a. above Flat to be 15 years. Lakhs.
Rs.25 lacs to Purchased/House to be
50 lacs for Constructed.
5yr to 15yr.

Vehicle @ 12.50% Vehicle and/or Salary. Max 5 years. 80% of value Invoice
loan p.a. Value + Regi.
Charges + Insurance.

Page 20
 Educatio Above Rs.10 Tangible collateral Max 12 months, Up to Rs. 10 Lacs for
nal loan Lacs up to security owned by Including studies in India and
Rs.20 Lacs parents or Guarantors, Moratorium. Up to Rs. 20 Lacs
@ 12% р.а. Whole Life Insurance For Studies in
Policy on the life of the Abroad.
student.

PROCEDURE OR PROCESS OF LOAN:

PROSPECT AGENT REGIONAL OFFICE

Agent file
Client Data keyed in from
application form
approaches application and other
and collect
bank. document.
relevant
document.

HEAD OFFICE

Eligibility of the Loan

client is sanctioned
evaluated from (or)
the keyed-in rejected.
data.

We can examine the different pretended by banks in the business by method for credits and
advances as pursues: -

 Loans and advances can be planned from banks in keeping adaptability in business forms.
Brokers may get cash for everyday budgetary wants profiting the office of money credit,
bank overdraft and limiting of bills. The sum raised as advance might be reimbursed inside

Page 21
 a brief period or significant lot to suit the comfort of the borrower. In this manner business
might be run expertly with obtained assets from banks for financing its working capital
necessities.

 Loans and advances are secondhand for making installment of current liabilities, wage and
furthermore pay rates of workers, and furthermore the expense risk of business.

 Loans and advances from banks are observed to be 'conservative' for merchants and
representatives, since bank charge a sensible rate of enthusiasm on such credits/progresses.
For credits from cash loan specialists, the rate of premium charged is high. The premium
charged by business banks is directed by the Reserve Bank of India.

 Banks for the most part don't meddle with the utilization, the executives and control of the
obtained cash. In any case, it can take care to guarantee that the cash loaned is utilized just
for business reason.

 Bank Advances and Loans are experiential to be appropriate the extent that its
reimbursement is concerned. This offices making arrangements for future and opportune
reimbursement of any credits. Generally, business exercises would have come to be stop.

 Loans and advances by Bank’s for the most part convey component of classification with
it. Banks are compelled by a solemn responsibility to keep up mystery of their exchanges
with the clients. This improves individuals' trust in the financial framework.

Following are the fundamental standards or significance which every broker pursues while
thinking about a credits and advances:

Page 22
 Safety: The primary core values of a Banker ought to be "Wellbeing", so far as his advances
are considered, in light of the fact that the very presence of a Bank depends of the Safety
of its exceptional which would never, accordingly, client yielded to the benefit acquiring
limit of its advances. Subsequently, to keep up a Banking worry in sound condition, it is
exceptionally basic that the wellbeing of its advances to clients ought to be unquestionably
sound. Extraordinary consideration ought to be taken that the store loaned out are not
expose to any hazard or being lost.

 Liquidity: Banks can put resources into two sorts of terms viz. Long haul and Short term.
Banks feel extremely unsafe in long haul venture. Along these lines, they regularly put
resources into Short term speculation to keep up the liquidity of the Bank. The Liquidity
of an Advance methods its reimbursement on interest of on due date or after a short notice.
The advance must stand reasonable shots or reimbursement as indicated by the
prerequisites. It is practically critical that Bank credit must be reimbursed as they become
due something else; the liquidity position of the Bank is imperiled.

 Pledged: The genuine or guarantee, particularly individual to give cost or else to be a

companion, something that you give as a sign that you will keep a guarantee. The essential
issue ahead of time Viz. Graduate Reeducation and inevitable reimbursement is the essence
of the while matter. A Banker would bomb in his obligation to shield the enthusiasm of his
investors and the investors if his credit approach does not take full comprehension of this
issue and not give a strategy to slow reimbursement and last recuperation of the cash
advance.

 Profitability: Equally critical is the rule of benefit in Bank propels. Like other Commercial
foundations, Banks must make benefit where there are no benefit banks don't contribute.
Right off the bat, they need to pay enthusiasm on the Deposits received by them. They need
to bring about costs on foundation stationery and so on. They have to make arrangement
for deterioration of their fixed resources and furthermore for any thinkable terrible or

Page 23
 suspicious obligations. In the wake of meeting every one of these things of spending which
arrive the running expense or Bank, a sensible benefit must be made. The pier rate of
different part of Banks depends on every one of these contemplations.

 Purpose: Another noteworthy guideline which is to be kept in view while progressing is

the Purpose. The reason for which loaning is made should he beneficial as to guarantee
unmistakable of sources or reimbursement. The Banks dishearten propels for Harding
Shares or for Speculative exercises. There are evident the dangers included in that
separated from the solitary countryside of such exchanges.

 Diversification of Risks: The security awareness of a Banker and the trustworthiness of the
Borrower are not sufficient with another variable to guard the Banker on side. What is more
important is the broadening of Risk. This implies, he ought not loan a noteworthy segment
of his credit capable assets to be in any single Borrower or to an Industry or to one explicit
Region. Indeed, the total Banking business is one of hazard taking business and a viable
investor is a specialist in surveying such dangers. Client is enthused about spreading the
dangers engaged with loaning over countless, over a colossal number of Industries and
Areas, and over various sorts of securities; the advances must not be in one explicit
Industry.

 Security: Whenever cash bank loans cash must consider cautiously the progressions of his
being reimbursed by the Borrower and is hence not typically substance to trust on the
commitment or the Borrower alone however needs some substantial security from which
he can acquire reimbursement on the off chance that the Borrower is unfit to meet his
commitments. Without taking such security of the matter of cash loaning would be
excessively theoretical. The Banker likewise making advances and advances needs to
needs to verify him by some solid security. Security is considered as protection or an alert
to decrease back upon if there should arise an occurrence of crisis.

 Suitability: Even when an Advance fulfills all the previously mentioned standards it may
not be reasonable. The Advance might be experienced to National intrigue. These

Page 24
 Principles may must be changed to a limited degree. Appropriateness of credits and
Advance from National perspective has subsequently come to be viewed as a fundamental
rule of Lending

LONG TERM LOANS AND ADVANCES OF CORPORATION BANK:

Particulars 2018 As at 2017 As at 2016 As at

March 31, 2018 March 31, 2017 March 31, 2016

Security Deposits 11,240 11,240 11,240

Income Tax Refund Receivable 57 57 57

(AY11-12)

Minimum Alternate Tax Credit 31,558 35,907 44,934

TOTAL 42,855 47,204 56,231

SHORT TERM LOANS AND ADVANCES OF CORPORATION:

Particulars 2018 As at 2017 As at 2016 As at

March 31, 2018 March 31, 2017 March 31, 2016

Service Tax – Cenvat Credit - 223 419

GST – Cenvat Credit 149 - -

Sundry Debtors – Custodian 64 - -

Prepaid Expenses 254 240 304

Advance to Service Provider - - -

Advance Income Tax (Net of 4,976 2,315 3,482

Provisions)

Sundry Deposits 100 100 86

TOTAL 5,543 2,878 4,291

Page 25
2.2 LITERATURE REVIEW:

An examination on open part banks and their investigation demonstrates that greatness hole
between desires for buyers and impression of administration conveyed is most elevated in open
area Banks and least in private segment Bank’s (using hole 5). While another examination
discovered that open part banks are superior to anything private segment banks. Different
examinations and their decisions are as per the following:

Bahia, K and J Nantela (2012)- The newspaper recommended an elective scale for estimating
administration quality in retail banking. The investigation built up a scale called as Banking
Service Quality Scale which constrained elements like viability and confirmation, get to, cost,
physical assets, administration portfolio and dependability. This model was observed to be
exceedingly solid than SERVQUAL.

Lassara, et ala (2012)- The study analyzed two models, SERVQUAL and specialized/useful
quality model of innovation by 65 bank clients utilizing SERPERF SCALE. The discoveries
uncovered that specialized/useful quality model was superior to SERVQUAL in light of the fact
that last was deficient with regards to specialized measurements. 2 models were taking particular
and one of a kind quality for estimating administration quality angles.

Jamalan, A., Naser, K., (2012)- The investigation inspected primarily drivers of consumer loyalty
utilizing 167 clients and it was discovered that center and social exhibitions had sway on consumer
loyalty and there was negative connection between client learning and consumer loyalty.

Josepha M. et al (2013)- The inspection explores some portion of innovation on Australian

Banking segment and 300 clients were appraised. The discoveries proposed that aside from
comfort/exactness and effectiveness E-banking administrations did not coordinate with rank rating
determined by clients.

Page 26
Sureshchandar et al (2013)- The investigation analyzed connection between administration
quality and consumer loyalty in our Indian financial division. These were beginning to be
autonomous however firmly related. The two develops change definitively in center
administrations, human component, and systematization of administration conveyance, effects and
social duty.

Gani A,Mushtaq Bhatt(2013)- The enquiry is directed to complete a relative investigation of

administration nature of Public Banks in addition to its measurements in business banks.
SERVQUAL is utilized and test measure was 900 clients. The investigation discovered that CITI
bank and Standard contracted bank are great in substantial quality and in unwavering quality
likewise they are great. In responsiveness parameter our Indian banks are substandard compared
to other remote banks. In affirmation and sympathy our Indian banks are sub-par today.

Navdeep Aggarwal and Mohit Gupta (2013)- This exploration essentially discovers the key
measurements and sub measurements of administration quality. Casual sorted out meetings are
directed with branch administrators and academicians to plan a financial administration quality
model. The examination twitches out that administration time and individual connections are
critical alongside air for administration quality information.

Zhou, L (2014)- The search broke down effect of administration quality in banks on consumer
loyalty in china's retail banking and it was discovered that dependability and affirmation were the
essentially drivers of consumer loyalty. It was likewise discovered that there were noteworthy
varieties in desires and discernments in clients.

Arora S (2015)- This checkup broke down elements controlling client endorsement in open
segment, private segment and remote banks in northern India. 600 clients were given polls which
uncovered that huge contrasts be in consumer loyalty dimension of clients in each gathering of
banks with respect to routine activity and situational and intelligent components. Remote banks
were observed to be the developers in robotization and automation.

Page 27
Debashisha and Mishra (2015)- The examination dissected and estimated consumer loyalty in al
branch administrations if by nationalized banks in northern India. 1300 clients were given polls
and it was discovered that computerization, precision in exchanges, mentality of staff and
furthermore accessibility of staff impacted consumer loyalty. Least essential factor was
advancement of the items and incorporated into different plans.

Mushtaqu M Bhat (2015)- This examination credits and advances that discovers administration
quality parameters in bank through SERVQUAL and impact of statistic factors. The examination
was restricted to SBI, PNB, Jammu and Kashmir bank Citi bank and Standard Chartered Grind
lay's bank, etc. Test measure was 900 and think about discovered that remote banks are well as
Indian banks. SBI was observed to be nearly poor on unwavering quality and responsiveness.
Banks in Delhi were similarly better in administration quality.

Alkan Sharma,Varsha Mehta(2015)- The examination centers around credits and advances of
four driving banks and their correlation.

Sharma and Sharma (2016)- The investigation dissected client take pleasure in urban purchaser
banking. The investigation discovered that clients were happy with advance offices, bank
condition, routine work strategies, area, loan fees and so forth and were disappointed with advance
conventions and advancement through media.

Dasha et al (2017)- The investigation of advances estimated consumer loyalty through 5

administration quality measurements' in Noida and Ghaziabad and discoveries uncovered that
confirmation was the most imperative element of administration quality pursued by dependability
and responsiveness. Physical assets were observed to be generally critical.

Page 28
Sharman S, et al (2017)- The examination completed a correlation of open and private saves
money with profound respect to view of clients in regards to support quality. It was discovering
that administration quality is related with fulfillment and there was noteworthy distinction between
characteristics of administrations given by banks. Banks in littler urban communities are which as
a long way behind enormous urban areas in such manner.

Tracey Daggera, Jillian Sweeney (2017)- The examination comprises of subjective research on
advances to explore the impact of utilization organize on administration quality recognitions and
after that improvement of theory. The discoveries demonstrate the proof that clients depend all the
more vigorously on characteristics that are seek situated in the beginning periods of administration
association and in later stages operation winds up critical.

Dr.Vannirajan & B. Anbazagana (2017)- The examination endeavors to make an appraisal of

SERVPERF scale in the Indian Retail banking area by completing an overview in banks at
Madhurai. The examination found that in open segment banks effects and affirmation are most
critical and in private part banks unwavering quality, responsiveness and furthermore physical
assets are generally vital.

P K Guptan (2017)- Objective of this investigation was to discover the credits and advances of
clients as for web banking versus traditional banking. The examination discovered that web
banking was observed to be simpler and prompter than customary banking and trust, precision and
security were the most critical factors here.

Ellaine Wallce & Leslie De Cheratatony (2017)- Study discovers the significance, confirmation
and unwavering quality, client introduction collaboration and so on in their execution.
Additionally, the investigation features criticality of branch and worker participation for execution.
Consistent help responsibility and administration improvement were likewise discovered critical.

Page 29
Mohammedha Siddique Khan,Siba Sankar Mahapatra(20017)- The examination was to
recognize vital advances influencing administration quality in web banking. Factor investigation
of the information gathered discovers 9 factors which included components like unwavering
quality, get to, ease of use security and so forth. Connection investigation demonstrates that a
noteworthy positive relationship exists between factors. It was exposed that business class changes
from different classes in discernment.

Padhy P and B N Swara (2017)- the paper observed job of innovation in banking and its effect
on apparent administration quality out in the open, private and outside banks in Orissa utilizing a
s abundant size of 600 clients. Remote bank was observed to be near needs for clients pursued by
ICICI and AXIS. Administration quality in open area banks was observed to be low.

Polle et al (2017)- The analysis concentrated on connection amongst administration quality, over
all web banking administration quality and consumer loyalty in New Zealand. The examination
discovered that online client administration quality and online data frameworks were genuinely
and decidedly identified with by and large client web banking administration quality. Over all
financial administration value and consumer loyalty were emphatically connected.

Page 30
 CHAPTER – 3

RESEARCH DESIGN

3.1 STATEMENT OF THE PROBLEM:

The financial management of every public units has been a grinding issue before the mobility of
various resources. Even after the findings and intensive industries in the sector face huge cash
crunch and insufficiency in the mobility of various resources. Even after the findings and
recommendation of many committees appointed by the government to enquire into the working
capital issues of public sector units.

3.2 NEED FOR THE STUDY:

Since the exploration is to decide the adequacy of credits and advances arrangements in
configuration of income explanations of company bank at each branch. Accordingly, the
requirement for the examination is restricted to organization bank at Nagavara branch. To know
the effect of credits and advances on representatives and furthermore for clients of company Bank.
To investigate the center financial Activities Since organization bank at Nagavara has presented
the idea of center banking as of late. The Management, in this review needs to discover the
development level of income by presentation of advances and advances arrangements.

3.3 OBJECTIVE OF THE STUDY:

The Objective of the Study is to which control the effectiveness of loans and advances of
corporation bank on cash flow.

 To Define loans and advance.

 To understand the terms and conditions of various loan schemes provided by bank.
 To study and also evaluate the performance of each loan scheme.
 To study about the respondent and their varying interest with regard to loans.
 To make suggestion based on findings of problems.

Page 31
  To know that impact of Loans and Advances on employees & customers of corporation
Bank
 To make Analyze the Actions of loans and advances.

3.4 SCOPE OF THE STUDY:

An Operational jurisdiction research as incomplete to corporation bank. The scope covers all loan
schemes of corporation bank.

 The study is mainly concentrated with the lending practices pattern and influence in the
organisation performance.
 This project is mainly concerned with the lending practices in the nationalized bank of
issuing the securities.
 The study enables the company to know its current position.

3.5 RESEARCH METHODOLOGY:

INTRODUCTION:

Research technique refers to the strategy for information depiction. Enlightening examination
incorporates overviews and certainty discoveries enquire of different sorts. The significant reason
for elucidating research is description of the condition of undertaking as it exists at current
circumstance. In each business explore we frequently utilize the term ex-post facto examine for
unmistakable research contemplates. The principle highlights of this technique is that the analyst
has no power over the variable, he can just report what has occurred or what's going on. The
technique for research used in unmistakable research are review strategies for numerous sorts
including relationship and comparable strategies.

Page 32
3.6 HYPOTHESES:

At last of present research work the accompanying speculation are created.

H1: Loans and Advances have turned into the most critical wellspring of raising the money
among Individual or gathering, and corporate too associations.

H0: Loans and Advances have not turned into the most critical wellspring of raising the money
among Individual or gathering, and corporate too associations.

H1: An Individual credit may come at a lower financing cost when we contrasted and different
business advances.

H2: An Individual credit may not come at a lower financing cost when we contrasted and different
business advances.

3.7 LIMITATIONS:

In spite of the fact that I have gotten total Co-task from representative of Corporation Bank
Nagavara Branch, they were incredibly occupied. So they were not ready to give much time as
they and I might want. Additionally, all out length of my temporary position isn't adequate to give
me in excess of a shallow thought and ability of the working of the different offices. I was pivoted
through. In transit of my examination, I have confronted the accompanying issues which might be
named as the restriction or weakness of the investigation. These are as per the following:

 A test of 30 clients and 6 representatives of the bank were picked with the end goal of study
is hard to convey reframe.
 The think about was confined to about a month and a half.
 There were a few challenges when requested individual subtleties like cell numbers, Mail
ID.
 The significant imperative of the investigation was deficient data, which is required for the
examination in that particular time.
 Since the Bank faculty are occupied with their works, therefore they neglected to co-work
with me to finish this report.

Page 33
  The significant restriction of the examination was shorter timeframe. For a scientific
reason, sufficient time is to be required. In any case, I was not given sufficient time to get
ready report top to bottom examination.
 This sort of study was done by me out of the blue. In this way, in-experience is one of the
main considerations that established the constraint of the investigation.

TOOLS AND TECHNIQUES OF DATA COLLECTION:

There are two ways through which the Data has been placid.

1. Primary Data.
2. Secondary Data.

I. PRIMARY DATA:
Primary Data calm is the data collected through Personal Interview Report of the company.
II. SECONDARY DATA:
Secondary Data is that as data which is obtained through Company's catalogue.
 Brochures.
 Magazines.
 Bank websites.

Page 34
3.8 CHAPTER SCHEME:

Chapter 1: Introduction

This chapter Includes Introduction, Industry profile and Company profile: Promoters, Vision,
Mission & Quality Policy. Products/services profile areas of operation, infrastructure facilities,
ownership pattern, competitor’s information, achievement and awards, SWOT analysis, Future
growth and prospects and Financial statement.

Chapter 2: Conceptual background and Literature review

This chapter Includes Theoretical background of the study, Literature review with research gap
(with minimum 20 literature reviews)

Chapter 3: Research Design

This chapter Includes Statement of the problem, Need for the study, Objectives, Scope of the study,
Research methodology, Hypothesis, Limitations, Chapter scheme.

Chapter 4: Analysis and Interpretation

This chapter Includes Analysis and interpretation of the data-collected with relevant tables and
graphs. Results obtained by the using statistical tools must be included.

Chapter 5: Findings, Conclusion and Suggestions

This chapter Includes Findings, Conclusion and Suggestions/Recommendations.

Page 35
 CHAPTER – 4

ANALYSIS AND INTERPRETATION

4.1 TABLE NO.: 1

Table showing the LOANS AND ADVANCES OUTSTANDING at corporation bank
from2013–20018.

Year Loans and advances outstanding

2013 – 2014 222741.31

2014 – 2015 312165.21

2015 – 2016 346781.62

2016 – 2017 325675.11

2017 – 2018 491758.21

Analysis:
The table shows that the amount of loans and advances outstanding from 2013 to 2018. Which
concern from the above table it can be analyzed that Loans and Advances outstanding of bank is
increasing from 2013 to 2018. Except it has decreased in 2017 when compare to 2016 and 2018.

Page 36
CHART NO.:1

Chart showing the LOANS AND ADVANCES OUTSTANDING at corporation bank during
years2013–20018.

LOANS AND ADVANCES OUTSTANDING

LOANS AND ADVANCES OUTSTANDING

600000

500000
491758.21
PERCENTAGE

400000

300000 346781.62
312165.21 325675.11

200000 222741.31

100000

0
2013 – 2014 2014 – 2015 2015 – 2016 2016 – 2017 2017 – 2018
YEAR

INTERPRETATION:

From the above graph, it can be interpreted the Loans and Advances outstanding of the bank’s is
fluctuating day by day from 2013 to 2018 and it has been increased in year 2018 compared to other
all previous year. And this has been considered that the impact on the bank profitability and also
financial performance.

Page 37
4.2 Table.:2
Table showing the feature you like most in LOAN SEGMENTS OF CORPORATION BANK at
corporation bank.

LOAN SEGMENTS Percentage (%)

LESS PAPER WORK 6%

ATTRACTIVE INTEREST RATE 35%

TRANPARENCY 25%

FAST PROCESSING 3%

LONGER REPAYMENT PERIOD 51%

HOME LOANS SERVICES 62%

EMPLOYEE BEHAVIOUR 89%

Analysis:
The table shows that the Percentage (%)of feature like by customers in loans segment of
corporation bank. Loan pieces concern with 6% of Less paper work; 35% of Attractive interest
rate; 3% of Fast processing; 25% of Transparency; 51% of Longer repayment period, 62% of home
loans services and at last 89% of Employee Behaviour. When compared to all segments Employee
Behaviour is high.

Page 38
CHART NO :2

Chart showing the feature you like most in LOAN SEGMENTS OF CORPORATION BANK.

FEATURES LIKE BY CUSTOMERS

90% 89%
80%
percentage

70%
60% 62%
50% 35% 51%
40%
30% 25%
20% 6%
10%
0% 3%

year

Percentage of loan segments

INTERPRETATION:

The chart shows that the Percentage (%)of feature like by customers in loans segment of
corporation bank. Loan segments concern with 6% of Less paper work; 35% of Attractive interest
rate; 3% of Fast processing; 25% of Transparency; 51% of Longer repayment period, 62% of home
loans services and at last 89% of Employee behaviour. When compare to all segments Employee
Behaviour is high. Customers would like to avail the services offered by Bank as the employees
there give the best services as needed.

Page 39
4.3 Table: 3

Table showing total advances from the year 2013 – 2018.

Year Amount ( in crores) Percentage (%) of advances

2013 – 2014 23,758.94 28.91

2014 – 2015 24,165.21 30.72

2015 – 2016 38,785.62 41.84

2016 – 2017 42,675.11 44.56

2017 – 2018 51,714.21 47.65

ANALYSIS:
From the above table it can be analysed that in the year 2013 ± 2014 the total number of advances
was 23,758.94 crores with a 28.91%; in the year 2014 ± 2015 the total number of advances was
24,165.21 crores with a 30.72%; in 2015 ± 2016 the total no. of advances was 38,785.62 crores
41.84% and in the year 2016 ± 2017 the amount is 42,675.94 with 44.56%; in the year 2017 ±
2018 the amount is 51,714.21 with 47.65%.

Page 40
CHART NO.: 3

Graph showing total Advances from the year 2013 – 2018.

TOTAL PERCENTAGE OF ADVANCES

47.65
44.56
41.84
percentage

30.72
28.91

2013 – 2014 2014 – 2015 2015 – 2016 2016 – 2017 2017 – 2018
year

Percentage of ADVANCES

INTERPRETATION:

From the above chart, it can be inferred that year 2017 – 2018 showed the maximum advances in
turn showcasing has that the Performance of the bank’s is receiving better-quality year by year as
Bank is able to extent more loans.

Page 41
4.4 Table: 4

Table showing Activity Wise Advances from the year 2015 – 2018.

ACTIVITY WISE ADVANCES (Rs in crores)

ACTIVITY 2015 – 2016 2016 – 2017 2017 - 2018

AGRICULTURE 12.25 13.54 14.63

SMALL ENTERPRISES 6.82 7.21 8.75

RETAILE TRADE 8.31 9.98 10.67

PERSONAL LOAN 2.32 3.49 4.18

ANALYSIS:
From the above table it can be analysed that in the year 2015 ± 2016 lend to agriculture activity is
12.25crores; in the year 2016 ± 2017 lend to agriculture activity is 13.54 crores; in the year 2017 ±
2018 lend to agriculture activity is 14.63 crores; in the year 2015 ± 2016 lend to Small Enterprises
activity is 8.31 crores;in the year 2016 ± 2017 lend to Small Enterprises activity is 7.21 crores;in the
year 2017 ± 2018 lend to Small Enterprises activity is 8.75 crores; in the year 2015 ± 2016 lend to
Retail trade activity is 8.31crores; in the year 2016 ± 2017 lend to Retail trade activity is 9.98 crores;
in the year 2017 ± 2018 lend to Retail trade activity is 10.67 crores; in the year 2015 ± 2016 lend to
Personal loan activity is 2.32 crores; in the year 2016 ± 2017 lend to Personal loan activity is 3.49
crores; in the year 2017 ± 2018 lend to Personal loan activity is 4.18 crores.It has been increased in
year 2018 compare to other two previous years.

Page 42
CHART NO.: 4

Graph showing Activity Wise Advances from the year 2015 – 2018.

ACTIVITY WISE ADVANCES

2015 – 2016 2016 – 2017 2017 - 2018

16 14.63
13.54
14
12.25
12 10.67
9.98
RS. CRORES

10 8.75 8.31
8 6.82 7.21
6
4.18
3.49
4
2.32
2

0
AGRICULTURE SMALL ENTERPRISES RETAILE TRADE PERSONAL LOAN
ACTIVITY

INTERPRETATION:

From the above chart, it can be incidental that in the year, the bank’s major loans and advances
belongs to agriculture second being Retail trade then small enterprises and comparably small
portion goes towards individual loan.

Page 43
4.5 TABLE NO.: 5

Table showing Banker’s Progress (Rs in lakhs) from the year 2013 – 2018.

YEAR SHARE CAPITAL DEPOSITS LOANS

2013 – 2014 4718.42 189513.12 121314.32

2014 – 2015 5189.12 189814.32 123875.74

2015 – 2016 5565.84 195145.64 128567.85

2016 – 2017 5897.31 197657.64 131875.12

2017 – 2018 6012.48 199284.82 123575.98

Analysis:
The table shows that the amount of the Banker’s progress of bank during the period of 2013 to
2018 from the above table it can be examined that Banker’s progress of bank is increasing from
2013 to 2018.

Page 44
CHART NO.: 5

Chart showing Banker’s Progress (Rs in lakhs) from the year 2013 – 2018.

BANKER'S PROGRESS

2017 – 2018

2016 – 2017
years

2015 – 2016

2014 – 2015

2013 – 2014

0 50000 100000 150000 200000 250000

Rs in Lakhs

LOANS DEPOSITS SHARE CAPITAL

INTERPRETATION:

From the above Chart analysis, it is understood the Banker’s that progress of the bank is fluctuating
day by day from 2013 to 2018 and it has been increased in year 2018 compare to other all four
previous years. And this has been considered that the impact on the bank profitability and also
Monetary performance.

Page 45
4.6 TABLE NO.: 6

Table indicating “Number of people aware of Home loans of Corporation Bank”

YES 86%

NO 14%

TOTAL NUMBER OF PEOPLE 100%

Analysis:
The table shows that how many number of people aware of home loan in Corporation bank. If yes
are they are aware of home loan in Corporation bank.

Page 46
CHART NO.: 6

Graph indicating “Number of people are aware of home loans of Corporation Bank”.

Number of people aware of home loan in

Corporation bank
,0
NO, 14%

YES
NO

YES, 86%

INTERPRETATION:

From the above graph, it is cleared that a great portion of the general population have the thought
concerning the development result of Corporation bank. Practically all the 86% individuals who
have the thought concerning the development item are the client of Corporation bank item and
managements.

Page 47
 CHAPTER – 5

FINDINGS, CONCLUSTION AND SUGGESTIONS / RECOMMENTATIONS

Corporation Bank is one of the most important financial player in the country in general and
Karnataka State in particular as for as channaptana town is concerned, it is the only bank with 6
branches, and 4 ATM's counters. The bank is providing wide range of services to its customers
and occupied a position of pride in Channaptana town. The present project report aim at analyzing
the financial role of the bank that with deference to Loans and Advances and views of the
customers on the services of the bank. Based on the various banking literacy, annual reports, and
also the major findings and views of the study are presented in the ensuring pages.

SUMMARY OF FINDINDS:

The summary of the major findings of the study are as fallow.

a) The Nagavara branch of Corporation Bank was started in the year 1936.
b) Customers are happy with the management given by the Nagavara branch.
c) The credit plans of the bank are corp. Site buy advance, corp. home/lodging credit. corp vidya
training credit, corp individual advance, corp vyapar, advance, and furthermore Corp
Consumer, Corp Vehicle advance.
d) A customer opinion is the main compression of Corporation bank with the other bank is
excellence.
e) The bank is advancing more for agriculture, and also Small enterprises.
f) Nagavara branch of corporation bank charge considerable rate of interest for corporation loans.
It pays a considerable rate of interest on deposits made by the customers
g) Loan installment and Loan amount providing by the bank is satisfied to a maximum number
of customer.
h) Most of the people are aware about loans provided by the bank
i) Customers are attracted towards the services rendered by the employees.
j) The amount lent as loan by the bank is increasing year by year
k) The bank is making good progress in terms of its deposits and loans.

Page 48
CORPORATION BANKSUGGESTIONS / RECOMMENTATIONS:

Coming up next are the recommendation given based on review made:

1) Loan portion: From the review it is very certain that the bank has not given the satisfactory
advance portion so it needs to expand the sufficient number of credit portion.
2) Rate of Interest: The Interest charges by the enterprise bank is significant. So it needs to
keep up its rate of enthusiasm for future reason.
3) New Schemes: The Bank should make the essential strides with respect to advance the
new plans.
4) Political Influence: The partnership investor ought to never think about political impact.
They should go about as speedily as per the guidelines and guideline of the bank and
furthermore government.
5) e- Recovery Charges: The Recovery charges ought to be decreased as low as conceivable
on the grounds that all clients are not in the situation to pay more sums.

Page 49
CONCLUSION:

Corporation Bank Nagavara analysis is made by taking the views of the customers about Nagavara
branch and by analysing the loans and advances. The study revealed that the Corporation bank has
performed well in term of lending the money and improving the money. But the increase in NPA
level over the years at the national level. In the views of the customers, some suggestions are
offered by the study to facilitate it is the fast growth and development of the bank’s. As we watched
the cutting edge slants in Indian money related division is changing quickly through Innovation
and reliability of credits and advances has additionally expanded step by step and much familiarity
with this idea has been found. Advances and advances have turned into the most vital wellspring
of raising the account among individual or gathering, and corporate too connotations. A verified
business advance is a credit given just for business reason. It Keeps the business properties with
guarantee. It very well may be taken for an assortment of purposes like innovative work or to
purchase plants and apparatuses and furthermore broadening. The legitimacy with credits is that
you can plan your reimbursement period just as regularly scheduled payments with as indicated
by your budgetary limit. A credit may come at a lower financing cost when we contrasted and
different business advances. As we probably are aware these credits are taken against insurance,
any de blame in reimbursement can put to your business property at hazardous situation. When a
focused and effective in modem corporate world, steady capital stream is fundamental. Regardless
of whether to build your business or migrate your generation unit to some other spot for expense.
Effectiveness, you expect fund to manufacture. It's not generally be conceivable to support them
in internal sources may postpone of a couple of days can cost you in millions. To make your
undertaking effective and to run easily your business intentionally, and a verified business advance
is an alternative worth be in attempting.

Page 50
 ANNEXURES

QUESTIONNAIRE OF CORPORATION BANK

Dear Sir/Madam,

I amMR. UDAY GOWDAstudent final year MBA in Amruta Institute of Engineering

and Management Sciences, Bangalore.I have undertaken study about“A study on loans and
advances in Corporation Bank, A case study of corporation bank. Nagavara branch,
channaptana town”as a part of my MBA degree under Visvesvaraya Technological University,
Belagavi.

So, I request for your co-operation in filling the questionnaire, please take few minutes to
fill the appropriate answer. This data will be used for academic purpose only.

1. Name :
2. Address :
3. Age :

18-25 ( ) 25-50 ( ) 50 and above ( )

4. Sex :

Male ( ) Female ( )

5. Marital state :

Married ( ) Unmarried( )

6. Education :

SSLC ( ) PUC( )

Degree ( ) Others( )

7. Income :

1000 ( ) 10,000-15,000 ( )

5000-10,000 ( ) 15,000 and above ( )

8. Occupation :

Student ( ) Professional ( )
 Employee ( ) Businessmen ( ) House wife ( )

9. Have your heard about Corporation Bank, Nagavara branch:

Yes ( ) No ( )

10. If yes, from whom you have heard about the Nagavara branch:

Friends ( ) Advertisement ( )

Relative ( ) Others ( )

11. Do you have any account in corporation bank?

Yes ( ) No ( )

12. What is your opinion about the Rate of interest on loans and advances in Corporation
bank?
Reasonable ( ) Low ( )

Very high ( ) Satisfactory ( )

13. How much time will you take for getting loan sanctioned?

Moderate ( ) Normal ( )

14. Are you satisfied with loan amount of Corporation bank?

Yes ( ) No ( )

15. Are you satisfied with loan Installment of Corporation bank?

Yes ( ) No ( )

16. Overall opinion about Corporation Bank?

Very good ( ) Average ( )

Good ( ) Bad ( )

Date: Signature
 CORPORATION BANK

BALANCE SHEET AS ON 31st MARCH, 2014 to 2018

(000’s Omitted)

PARTICULARS 2014 2015 2016 2017 2018

₹ ₹ ₹ ₹ ₹

CAPITAL AND
LIABILITIES:

Capital 167,54,19 167,54,19 204,49,71 229,41,13 333,10,97

Reserves and
Surplus 9959,87,41 10346,16,40 11195,08,97 12520,48,95 10554,70,91

Minority Interest – – – – –

Deposits 193355,63,93 199342,81,11 205140,33,78 220550,54,51 183309,04,59

Borrowings 13021,44,53 10414,90,41 13112,19,44 6468,17,35 22171,08,37

Other Liabilities
and Provisions 5550,02,55 5747,84,34 5214,66,83 8151,18,40 5558,23,13

TOTAL 222054,52,61 226019,26,45 234866,78,73 247919,80,34 221926,17,97

ASSETS:

Cash and
Balances with 13740,20,79 10148,93,42 10087,21,50 17496,63,54 11140,15,44
Reserve Bank of
India

Balances with
Banks and 498,81,28 2589,97,06 5093,98,42 7553,71,18 177,90,18
 Money at Call
and Short Notice

Investments 66189,74,59 53316,88,26 63277,45,51 64096,13,98 70379,27,68

Advances 137086,29,92 145066,03,56 140322,24,06 140356,79,38 119868,83,71

Fixed Assets 465,29,04 526,38,67 1277,41,61 1290,14,77 1229,31,51

Other Assets 4074,16,99 14371,05,48 14808,47,63 17126,37,50 19130,69,45

TOTAL 222054,52,61 226019,26,45 234866,78,73 247919,80,35 221926,17,97

Contingent
Liabilities 62391,81,87 99044,39,21 80559,94,12 81533,07,49 87356,57,84

Bills for
Collection 11385,20,68 13521,31,07 15043,18,12 17304,90,39 13893,39,89

Significant
Accounting – – – – –
Policies

Notes on
Accounts – – – – –

The schedules will denote to upstairs form an integral part of Balance Sheet.
 PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED

31stMARCH, 2014 to 2018

(000’s Omitted)

PARTICULARS 2014 2015 2016 2017 2018

₹ ₹ ₹ ₹ ₹

1. INCOME

Interest Earned 17958,56,91 19556,44,48 19411,26,28 19471,51,96 17628,36,00

Other Income 1657,18,96 1474,06,01 1742,95,31 3097,71,14 2319,04,27

TOTAL 19615,75,87 21030,50,49 21154,21,59 22569,23,10 19947,40,27

2.EXPENDITURE

Interest

Expended 14174,07,54 15485,28,22 15171,46,22 15019,96,39 12789,41,83

Operating

Expenses 2392,32,49 2526,11,11 2880,87,67 3102,95,43 3201,95,68

Provisions and

Contingencies 2480,87,25 2446,23,87 3603,88,08 3880,50,45 8005,95,95

TOTAL 19047,27,28 20457,63,20 21656,21,97 22003,42,27 23997,33,46

3. Consolidated

Net Profit for

the year 568,48,59 572,87,29 -502,00,38 565,80,83 -4049,93,19

before
deducting

Minorities

Interest

Less: Minorities

Interest – – – – –

Consolidated

Net Profit of the

Group for the 568,48,59 572,87,29 -502,00,38 565,80,83 -4049,93,19

year

Add: Brought

Forward

Consolidated 10,96,08 16,45,36 – – –

Profit of the

Group

TOTAL 579,44,68 589,32,65 -502,00,38 565,80,83 -4049,93,19

4. Appropriations

(From/To)

Transfer to

Statutory 140,42,96 146,06,39 – 140,30,15 –

Reserves

Transfer to Staff

Welfare Fund 15,00,00 15,00,00 – 15,00,00 –

 Transfer to Capital

Reserves 23,17,05 17,32,36 – 374,78,83 –

Investment

Reserve 153,97 115,92,25 – -24,61,91 -106,81,61

Balance carried

over to B/S 16,45,36 3,06,54 -502,00,38 60,33,76 -3943,11,58

TOTAL 579,44,68 589,32,65 -502,00,38 565,80,83 -4049,93,19

(₹) Earning per 7.24 6.84 -5.44 5.21 (35.26)

share (Rs.)

The schedules will denote to above form is an important Part of Profit and Loss Account.
 BIBLIOGRAPHY

BOOKS REFERRED:

 Financial Management – by I.M. Pandey.

 Financial Management – by khan and jain.
 Advance accounting – by S.N.Maheshwari.

Other sources:

Annual reports of Corporation bank.

Websites:

www.CB1982@corpbank.co.in

www.corp.bank.com

www.mbaSkool.com

www.moneycontrol.com

bankifcode.com

www.prokerala.com