I did my winter training programmed in J&K Bank.

My project was based on the procedure

of “ WORKING CAPITAL MANAGEMENT ”. I got the exposure of banking sector which is a
very important sector of the Indian economy. The sector has made a marked improvement
in the liberalization period.As a part of curriculum, every student studying MBA has to
undertake a project on a particular subject assigned to me Accordingly I have been
assigned the project work on
the study of working management J&k bank pvt ltd. Decisions relating to working capital
(Current assets-Current liabilities) and short term
financing are known as working capital management. It involves the relationship between a
firm’s short-term assets and its short term liabilities.
The goal of working capital management is to ensure that the firm is able to continue its
operation and that it has sufficient cash flow to satisfy both maturing short term debt and
upcoming operational expenses. Working capital management is used in j&k bank pvt ltd.,
for the following purpose:- Raw material, work in progress, finished goods, inventories,
sundry debtors, and day to day cash requirements. The j&k bank private ltd., keep certain
funds which is automatically
available to finance the current assets requirements.
The various information regarding “Working Capital Management” such as classification,
determinants, sources have been discussed relating to J&k bank pvt ltd., Ratio Analysis
has been Carried out using Financial Information for last five financial years i.e. from 2016
to 2021 Ratios like Working capital Turnover Ratio, Quick Ratio, Current Ratio, Inventory
Turnover Ratio, Debtor Turnover Ratio, Creditors turnover ratio
have also been analyzed. A Statement of Changes in Working Capital has also been
analysed.
At j&k bank pvt ltd., the working capital management has shown increase in the period of
study. This shows working capital is managed effectively and all the other departments
areworking in perfect co-ordination to ensure the progress of j&k bank ltd., but I havegiven
some Suggestions & Conclusions on the basis of my Project Study
The j&k bank is one of the oldest bank India,contributing significantly to both the industrial
and economic growth of the country since it achieved independence in 1947. The j&k bank
To build a global brand we need to do two things- go global physically and second more
importantly, have a unique business model product offering and services standards, all of
which are globally recognised.For the full year 2020-21, the bank posted net profit of Rs
432
.12 crore, while there was a net loss of Rs 1,139.41 crore in 2019-20.
The lender said its net interest income increased to Rs 3,770.78 crore during the year from
Rs 3, 706.67 crore, while the net interest margin for the year stood at 3.64 per cent.