Professional Documents
Culture Documents
A Presentation On
A Presentation On
Anamika Prasad
Roll no: 16202219
FOUNDER SIGNIFICANT
MILESTONES
Shri A. Subba Rao
Pai In 2007 Retained Number One
position in Aggregate Business
among Nationalized Banks.
MISSION VISION
To provide quality services with
enhanced customer orientation, To emerge a Best practices Bank by
higher value creation for stakeholders pursuing global benchmarks in
and to continue as a responsive profitability, operational efficiency,
corporate social citizen by effectively asset quality, risk management and
blending commercial pursuits with expanding the global reach.
social banking.
Background of the project
Credit Appraisal
WHY IS IT DONE?
STEPS INVOLVED
Assessment of credit need purpose
1
Understanding
marketing
techniques with
focus on retail
products
week
02
Understanding
Current
deposits
Lead
generation and
cross selling of 250 SALARY ACCOUNTS
products CROSS SELLING OF PRODUCTS LIKE
Field visits -Pradhan Mantri Jeevan Jyoti Bima Yojana of Rs. 330.00
-Surakhsha Bima Yojna of Rs. 12.00
week
03
Participated in
the daily
activities of the
bank
Understanding
the cash
management
system and
disposal of excess
funds to the
currency chest 04
03 Printed passbooks
02 Calls to the customers for
arrears for locker facility
01 Field visits
Verifying KYC
documents
week
04
Participated in
daily activities
of the bank
Maha-login Day
Week
5& 6
Understanding
the credit
appraisal of SME
Borrowers Profile
Studied the
credit report of a Name of the account : Fast Build Blocks Private
brick Limited
manufacturing
firm Constitution: Private Limited company
Business/Activity- manufacturing of Autoclaved
Aerated Concrete (AAC) Blocks
Established in 2012
Advance since- 1/3/2012
PROPOSAL FOR RENEWAL OF THE OCC LIMIT
Amount Rs 5.00 crs (enhancement from 4crs to 5
crs)
Purpose Working capital
Requirements
Independent Auditors Report
- Proficiency of directors/ Management
- List of directors and their net worth
- Details of securities (Primary, collateral, corporate
- Guarantee, personal guarantee)
- Production facilities
- Valuation of asset
- Physical verification of stock
CERSAI ID
CIBIL Report
Certification regarding documentation, coverage of risk
Performance and financial
indicators Analysis
Net sales increased from 559.71 to 1209.13
Odisha Govt. in their Gazette Notification has notified that in all their Govt. offices only fly
ash bricks will be used. Further the company is supplying AAC blocks to private builders
operating profit from -123.41 to 125.53
Raising the sales revenues has increased the operating income.
Tangible net worth from 980.28 to 113.12 and is estimated to be 1215.5 in 2017 because
liability increased
Total term liability/ Total net worth from 1.1 to 1.31 a ratio greater than 1 should be
avoided, it means that the creditors have greater stake in business than the owners
current ratio from 0.59 to 1.23
Generally, 1.5 to 3% is healthy. This means that the current assets exceeds current liability
Debt equity ratio from 1.1 to 1.31
A debt ratio for 1.0 means a company funds its projects with an even mix of debt and equity.
a lower percentage means that a company is using less leverage and has a stronger equity
position.
Achievements
Successfully convinced 14 customers, 12 for investing in
Cap Pro mutual fund, amounting to Rs. 80,000 and 2
customers to buy Apollo munich health insurance,
amounting to Rs. 2,00,000.
Key Learning
SKILLS 01
02 INDEPENDENCE
TEAMWORK 03
04 CONFIDENCE
ALL ROUND
05
DEVELOPMENT
Recomendations
Contact numbers of account holders not updated.
Customers KYC documents not updated
Conclusion
Perfect Lead
generation
Customer
oriented
Organized
Good follow up
procedure
Thank You!