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BUSINESS
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MATHEMATICS
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CIA1
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MATHEW KANICHAY
1923175
GAGAN JALAN

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1923116

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 INTRODUCTION

Karur Vysya Bank: - is an Indian 100 years completed bank and is one of the leading
banks in India, headquartered in Karur in Tamil Nadu. It was set up in 1916 by M. A.
Venkatarama Chettiar and Athi Krishna Chettiar. The bank primarily operates in treasury,
corporate/wholesale banking and retail banking segments.

KVB provides services such as personal, corporate, agricultural banking and services to NRIs
and MSME. Under personal banking, the bank provides housing loan, personal loan;
insurance; and fixed deposits among others. Under corporate banking, KVB provides services
like corporate loans; demat account, multicity current account and general insurance among
others. Schemes provided by KVB under agricultural banking include Green Harvester,
Green Trac and KVB Happy Kisan among othersThe bank had added more branches and 10
ATMs during the year thus bringing the total to 798 branches and 1,780+ ATMs as on 1 July
2018. It introduced a number of initiatives in FY16 like reloadable cards, kisan credit cards,
automatic passbook kiosk, e-book, etc. Total business volume is 1, 00,000+ crore as of
December 2017.

Union Bank of India (UBI):- is one of the largest government-owned banks of

India; the government owns over 90% of its share capital. It is listed on the Forbes 2000, and
has assets of US$13.45 billion. UBI has around 4,300 branches. Four of these are overseas in
Hong Kong, Dubai, Antwerp, and Sydney. UBI also has representative offices at Shanghai,
Beijing and Abu Dhabi. Lastly, UBI operates in the United Kingdom through its wholly
owned subsidiary, Union Bank of India (UK).

UBI was registered on 11 November 1919 as a limited company in Mumbai and was
inaugurated by Mahatma Gandhi. At the time of India's independence in 1947, Union Bank
of India had four branches – three in Mumbai and one in Saurashtra, in trade centres. 
 UNION BANK OF INDIA KARUR VYSYA BANK
DATE STOCK DATE STOCK
PRICE PRICE
13th June, 2019 72.70 13th June, 2019 75.10
14th June,2019 72.80 14th June,2019 74.80

15th June, 2019 CLOSED 15th June, 2019 CLOSED

16th June,2019 CLOSED 16th June,2019 CLOSED

17th June, 2019 72.45 17th June, 2019 73.75

18th June,2019 74.10 18th June,2019 72.65
19th June, 2019 72.50 19th June, 2019 72.05
20th June, 2019 75.35 20th June, 2019 72.50
21st June, 2019 75.75 21st June, 2019 72.45
22nd June, 2019 CLOSED 22nd June, 2019 CLOSED
23rd June, 2019 CLOSED 23rd June, 2019 CLOSED
24th June, 2019 75.30 24th June, 2019 71.20
25th June, 2019 75.55 25th June, 2019 70.90
26th June, 2019 77.65 26th June, 2019 70.25
27th June, 2019 77.60 27th June, 2019 71.10
28th June, 2019 81.05 28th June, 2019 70.70
29th June, 2019 CLOSED 29th June, 2019 CLOSED
30th June, 2019 CLOSED 30th June, 2019 CLOSED
1st July, 2019 83.50 1st July, 2019 70.95
2nd July, 2019 82.60 2nd July, 2019 70.40
3rd July, 2019 83.75 3rd July, 2019 70.20
 INTERPRETATION

KARUR VYSYA BANK:-

The Bank achieved reasonable growth in its operations during the year under review. The
Indian economic environment being strong and in good condition, still had to deal with
pockets of stress - e.g. increased asset quality related issues, liquidity driven issues arising
from Non-bank lenders being unable to access professional markets which in turn had a
knock on effect on the economy in general. In addition, the year saw a heightening of risks
associated with cyber security.
The total business of the Bank reached Rs 1, 10,483.61 Cr as on 31st March 2019 as
compared to Rs1, 02,863.23 Cr of previous year with a growth of 7.41%.The operating profit
of your Bank for the FY 2018-19 was Rs 1,710.78 Cr as against Rs 1,777.32 Cr of previous
year and the net profit of the Bank declined to Rs 210.87 Cr as against Rs 345.67 Cr of
previous year, due to increase in operating expenses and provisioning requirements.

UNION BANK OF INDIA:-

The Bank has leveraged digital technology for monitoring, resolution and recovery.
Monitoring has shifted to proactive one, which flows through origination, underwriting,
documentation, disbursement and servicing during the life cycle of exposure. One of the
reasons for the recent upward trend.

The global business of the Bank Increased to Rs. 7,41,307 core as on March 31, 2019 from
Rs.7, 22,362 core as March 31, 2018, reflecting an annual growth of 2.6 per cent.

Overseas business of the Bank stood at Rs. 17,276 core as on March 31, 2019 compared to
Rs. 30,829 as on March 31, 2018. The Bank has four overseas branches at Hong Kong, DIFC
(Dubai), Antwerp (Belgium) and Sydney (Australia). The Bank also operates in the United
Kingdom through its wholly owned subsidiary, Union Bank of India (UK) Ltd.
The Bank reported an Operating Profit of Rs. 7,521 core in FY 2018-19 as compared to Rs.
7,640 in FY 2017-18.
Net loss of the Bank stood at Rs. 2,948 core in FY 201819 compared to loss of Rs. 5,247 core
in FY 2017-18.
Cost-to-income ratio of the Bank stood at 48.80 per cent in FY 2018-19 compared to 46.56
per centin FY 2017-18
 BIBLOGRAPHY

 https://en.wikipedia.org/wiki/Union_Bank_of_India
 https://en.wikipedia.org/wiki/Karur_Vysya_Bank
 https://www.moneycontrol.com/stock-
charts/unionbankindia/charts/UBI01#UBI01
 https://www.moneycontrol.com/stock-
charts/unionbankindia/charts/UBI01#UBI01
 https://in.finance.yahoo.com/quote/KARURVYSYA.NS/
history/
 https://in.finance.yahoo.com/quote/UNIONBANK.NS/