Internship Viva – Voce PresentationA Report on

Organisation Study of Corporation Bank, Zonal Office, Bangalore.

And

Financial Statement Analysis Of Corporation Bank’s Clients (2009 & 10)

Prof. Shilpa Chadichal, Mr. Vittaldas Kamath,Faculty, Dy. Manager,Alliance Business Academy Zonal Office, Corporation Bank,

M.G.Road, Bangalore July 25 – September 3, 2011

PATH WAY….Part A• Industry Profile• PEST analysis• Company Profile• Departments• SWOT analysis

Part B• Financial Analysis• Major Findings• Major Suggestions• My Learning

Industry Profile• Banking Industry• Growth rate5%• 10% contribution towards GDP• Internet Banking, universal ATMs, DEMAT, NEFT• Public, private and foreign banks

Company Profile• 12th March, 1906 • Shri Ajai Kumar. Chairman & Managing Director• 1361 branches

Vision“The Most Preferred Bank with Global Standards”

Mission• To become a provider of World-Class Financial Services• To meet Customer expectations through Innovation and Technological

Initiatives• To maintain leadership in inclusive banking• To enhance stakeholders’ value• To fulfill national and social obligations• To create an environment, intellectually satisfying and professionally rewarding

to the employees• To emerge as a role model for ethical values and Good Corporate Governance

Company ProfileProduct & ServiceNRI serviceDepositsLoans priority sectorLockerInvestment in gold & sharesFOREXProject finance

Departments

• Finance: Executing bank’s monitory policy in

lending loans and accepting deposits.

• Marketing: Ensuring stability and growth in sales,

customer base and market share of bank.

• Human Resource: Ensuring right person at right

place doing right thing.

• Production: Out sourced.

PART B

Financial Analysis• Title: Financial Analysis of Statements of Corporation

Bank’s Clients

• Type: Analytical Research

• Objectives of Research:– To analyse the soundness of financial status of clients.– To help the company decide if the client’s financial status is sound

enough to have business with.– Loan Appraisal: Verifying the basic soundness of the industries in

order analyse if it is wise to provide a loan amounting between 5 & 50 lacks.

– To understand the relation between variables through ratio analysis.

– To study the movements of financial assets over a period of time.– The organizational Study of Corporation bank

Financial Analysis• Method: Ratio Analysis

• Scope:

– Deals through basic ratio to analyse the financial status.

– Project can give basic idea of financial analysis

Limitations:• Unsufficient time: To study vast subject of financial analysis in

depth, time wasn’t sufficient.• Confidentiality: Due to matter of maintaining secrecy, only the

details available at website had been included.• Gives only basic knowledge about calculation of ratios.

Major Findings• The HR department is successfully finding right personnel for right designation

and providing every possible training and support to get best out of him.• The Finance department is scrutinizing the client’s financial status thoroughly, to

ensure that the time and resource spent upon, doesn’t go in vain.• The marketing department has been formulating effective marketing strategy

from time to time to ensure that the company has considerable market share in banking sector.

• M/s TMSPnPL, in spite of substantial increase in turnover has shown deficit due to increase in depreciation and legal expenses. So, it is expected to perform reasonable well in future.

• M/s LPPL has incurred loss in spite of increase in turn over due to unexpected and undue movement in the raw material and components cost and increase in manpower cost and financial cost. So, through effective material and man power management, the performance can be improved.

• M/s Sanjay & Co has been severely affected in sales and profit due to recession. It is expected to do well along with improvement in economic status of market.

• M/s TAURUS has performed well in current financial year compared to previous financial year. The financial statement analysis shows that the financial elements are, comparatively, within benchmark.

Major Suggestions

• The pay scale could be more attractive in order to attract the best talent available in market.

• Incentives other that salary could be introduced in order to motivate consistently productive people.

• Encouraging creativity at workplace to make job more interesting to employees. This is hardly done in public sector.

My Learning The financial ratios can’t be only tool in financial

decision making. The finance manager has to consider possible and

uncontrollable factors while interpret. A reduction in sales can be due to economic

fluctuation, so, the performance of the organization can’t be degraded.

Under extreme circumstances, partially unsound financial statement can be compromised with.

Inflation can be a factor because of which profit may come down. It has to be evaluated if the company has potential to lift itself, and decision can be taken there upon.