Download A STUDY ON FINANCIAL STATEMENT ANALYSIS AT
PUNJAB NATIONAL BANK, AVADI and more Study Guides, Projects, Research Business Administration in PDF only on Docsity!
A STUDY ON FINANCIAL STATEMENT ANALYSIS AT
PUNJAB NATIONAL BANK, AVADI
Submitted to
THE UNIVERSITY OF MADRAS
in partial fulfillment of the requirement of Post Graduate Degree in
Master of Business Administration
by
SATHIYA.R
REG NO. (712000392)
Under the Guidance of
Smt. Dr. U. HOMIGA
MBA., M.Phil., Ph.D., CTFC, PGDCBM., NET (Mgmt.)
Faculty Member
SHRI.G. SURESH,
MCA., MBA., DCBM., FDP(IIM-A).,
DIRECTOR
NATESAN INSTITUTE OF COOPERATIVE MANAGEMENT
(An Institution of National Council for Cooperative Training, New Delhi) (An Autonomous Society promoted by Ministry of Cooperation, Government of India) (Accredited by C-PEC BIRD – Lucknow) 2377-A, IV Avenue, Anna Nagar, CHENNAI – 600040. Roll No: 15
GUIDE DESK
Smt. Dr. U. HOMIGA MBA., M.Phil., Ph.D., CTFC, PGDCBM., NET (Mgmt.) Faculty Member
The Project work report A STUDY ON
FINANCIAL STATEMENT ANALYSIS AT PUNJAB NATIONAL
BANK, AVADI is carried out under my direct supervision and
guidance by Mr. SATHIYA R (Register No: 712000392) for the award
of degree master of business administration and the report is purely
original work at PUNJAB NATIONAL BANK, AVADI
Place: Chennai
Date: Signature of the Guide.
Smt. Dr. U. HOMIGA MBA., M.Phil., Ph.D., CTFC, PGDCBM., NET (Mgmt.) Faculty Member
VIVA VOCE CERTIFICATE
This is to certify that Mr. SATHIYA R (Register No: 712000392 )
is a student Of Natesan Institute of Co-operative Management,
Chennai, the project entitled “A Study on Financial Statement Analysis
at Punjab National Bank, Avadi”, for the award of the MASTER OF
BUSINESS ADMINISTRATION, submitted to the External examiner
for the Viva-Voce held on ……………….
INTERNAL EXAMINER EXTERNAL EXAMINER
THE DIRECTOR NICM
ACKNOWLEDGEMENT
I have great pleasure to study at the Department of Management Studies in Natesan Institute of Cooperative Management, Govt. of India, Chennai, which is having national network in the country. During my academic period, the institute shaped me as a complete intellectual candidate to work in the competitive world. Therefore, I would like to express my sincere
regard and gratitude to our beloved Director Shri. G. Suresh, M.C.A., MBA.,
DCBM., FDPM(IIMA), for giving me an opportunity to conduct a study and take part in this Project Work Report I put forward my sincere thanks to Course Dr. R. Ganesan, M.A., M.Phil. Ph.D., Deputy Director, for all the support provided related to the Project Work Report. I acknowledge my heartfelt thanks to my Project Work guide Smt. Dr. U. HOMIGA. MBA., M.Phil., Ph.D., CTFC, PGDCBM., NET (Mgmt.) for her valuable guidance, suggestions and encouragement from time to time throughout Project Work Report. I also like to record with gratitude to the Office staff members, staff members of Department of Management studies and the Librarian for their timely assistance.
LIST OF GRAPHS
GRAPH
NO. TITLE OF THE GRAPH
PAGE NO
Total Business of Punjab National Bank
Deposits of Punjab National Bank
Total Advances of Punjab National Bank
Total Assets of Punjab National Bank
Capital of Punjab National Bank
Net Profit of Punjab National Bank
Trend analysis
Ratio Analysis
Liquid ratio
Credit Deposit Ratio
EXECUTIVE SUMMARY
In any organization, the two important financial statements are the Balance Sheet and Profit & Loss Account of the business. Balance Sheet is a statement of financial position of an enterprise at a particular point of time. Profit & Loss account shows the net profit or net loss of a company for a specified period of time. When these statements of the last few years of any organization are studied and analyzed, significant conclusions may be arrived regarding the changes in the financial position, the important policies followed and trends in profit and loss etc. Analysis and interpretation of financial statement has now become an important technique of credit appraisal. The investors, financial experts, management executives and the bankers all analyze these statements. Though the basic technique of appraisal remains the same in all the cases but the approach and the emphasis in the analysis vary. A banker interprets the financial statement so as to evaluate the financial soundness and stability, the liquidity position and the profitability or the earning capacity of borrowing concern. Analysis of financial statements is necessary because it helps in depicting the financial position on the basis of past and current records. Analysis of financial statements helps in making the future decisions and strategies. Therefore, it is very necessary for every organization whether it is a financial or manufacturing, to make financial statement and to analyze it. This Project Report consist of five chapters. The First chapter is about the industry profile The industry which I have chosen is BANKING industry is an important one to all members. The origin of this industry and development is been discussed in first chapter.
