summer project ppt
TRANSCRIPT
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Summer InternshipProject Presentation
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Union Bank of India
I got placed through college placement.
My Duration Of Work Was 2 Months.
Reporting to: Mr. Anuj Singh.(Assistant Manager, Union Bank of
India, Andheri (East))
Nature of Work : Accounting Department
Faculty Guide: Prof. sneha jain
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Title
Credit Appraisal of
M/S Blackrock Luminaries
(Union Bank Of India)
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Scope of the Research Work
The scope of the project is to understand the credit appraisal
process in banks.
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Objectives of the Project
The Main Objective Of this Project is to Evaluate the
performance of M/s Blackrock Luminaries for Credit Appraisal.
The basic objective behind joining UBIs Credit department was
to learn about how retail loans are sanctioned.
The way balance sheet and other financial techniques are
used in deciding whether or not to approve the loan.
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Methodology
Data: Secondary
Analysis of past and present financial statements
Analysis of Balance Sheet
Examination of Profitability statements
Examination of projected financial statements
To assess the suitability of the company for
disbursement of credit.
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Limitations Many information provided were confidential in nature so not
included in project report for reference.
Lack of data was also limitation of the study.
The time given for the summer internship i.e. 8 weeks, was
not sufficient enough to study and understand the retail loansapproval process of the Union bank of India.
The banks have their own confidential information and it was
very difficult to make the project and analyze it on the basis of
hypothetical information.
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Analysis
Client: M/S Blackrock Luminaries
Purpose: PROPOSAL FOR SANCTION OF LOAN
Use of credit rating charts
Evaluation of management risk Evaluation of financial risk
Evaluation of market-industry risk
Calculation of credit rating.
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Findings
That the banks have their own credit rating system and that
they try to update it with the latest method available.
The ratios have a very important role to play; a thorough
understanding of them leads one to the future prospects of
the borrower and also tells a lot about its financial soundness.
Another important thing is the balance sheet, its break up and
the study of it, tells a lot about any organization.
Retail loan sector in India has a long way to go, a steady
growth is projected in the coming years.
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Conclusion
Proper credit appraisal involving performance of client,
sureties and industrial visits helps bank to reduce its NPAs and
hence to reduce its credit risks.
If an individual / Business concern or any other applicant need
loan from Bank, they have to be member of the bank.
Bank use its own credit rating system, CIBIL report as well as
confidential report from other banks as per the needs to judge
the credit worthiness of clients.
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Recommendations
The processing of credit appraisal can be expedited by using
suitable software that can help the Bank in calculation of
Ratios, credit rating and pricing
Use of special software should be made for Speedy
preparation, evaluation and approval of settlement proposals.
Availability of reliable information and systems to monitor and
control the recovery process. .
Many times they pass a loan without the proper appraisal, i.e.
the client may lack either the projected and estimated balancesheet or the proper documents. In such cases there should be
a strict protocol followed.
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My Learning Experience
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Bibliography
Sites Referred:
www.rbi.com
www.unionbankofindia.co.in www.wikipedia.com
www.crisil.com
www.amazon.com
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Thank you