CREDIT APPRAISAL AND RISK RATING IN PUNJAB NATIONAL BANK

Topics: Capital requirement, Basel II, Operational risk Pages: 74 (16287 words) Published: April 20, 2014
SUMMER TRAINING REPORT SUBMITTED TOWARDS THE PARTIAL FULFILLMENT OF POST GRADUATE DEGREE IN GLOBAL BUSINESS OPERATIONS CREDIT APPRAISAL AND RISK RATING IN PUNJAB NATIONAL BANK

SUBMITTED BY:
ADITYA SINGH
PGDGBO (2012-20014)
Roll No. : 17

INDUSTRY GUIDE FACULTY GUIDE
Mr. RAJEEV SARDANA
SENIOR MANAGER SENIOR FACULTY SHRI RAM COLLEGE OF COMMERCE, DELHI
DELHI UNIVERSITY

CREDIT SECTION, CIRCLE OFFICE: DELHI, 4th FLOOR, RAJENDRA BHAWAN, RAJENDRA PLACE, NEW DELHI TELEPHONE: 25744450 Fax: 25731252
------------------------------------------------------------------------------------------------------------------------------------------------------------ TO WHOM IT MAY CONCERN
This is to certify that ADITYA SINGH, a student of SRCC, DELHI undertook a project on “CREDIT APPRAISAL AND RISK MANAGEMENT” at PUNJAB NATIONAL BANK from 28th June to 9th August. Mr. ADITYA SINGH has successfully completed the project under the guidance of Mr. RAJEEV SARDANA. He is a sincere and hard-working student with pleasant manners. We wish all success in his future endeavors.

Mr. RAJEEV SADANA
Senior Manager
Circle Office Delhi
Punjab National Bank

CERTIFICATE OF ORIGIN

This is to certify that Mr. ADITYA SINGH, a student of Post Graduate Diploma in Global Business Operations in Shri Ram College of Commerce, Delhi has worked in the Credit Department of Punjab National Bank, Circle Office Delhi and has submitted this project report entitled “Credit Appraisal and Risk Rating” at PUNJAB NATIONAL BANK, under the able guidance and supervision of Mr. RAJEEV SARDANA, SENIOR MANAGER, PUNJAB NATIONAL BANK. The period for which he was on training was for 6 weeks, starting from 28th June to 9th August. This Summer Internship report has the requisite standard for the partial fulfillment the Post Graduate Diploma in Global Business Operations. To the best of our knowledge no part of this report has been reproduced from any other report and the contents are based on original research.

Professor
SRCC

Aditya Singh
Student
PGD in Global Business Operations
Shri Ram College of Commerce

ACKNOWLEDGEMENT

Every work involves efforts and inputs of various kinds and people. I am thankful to all those people who have been helpful enough to me to the extent of their being instrumental in the completion and accomplishment of the project entitled “Credit Appraisal and Risk Rating at Punjab National Bank”.

I sincerely acknowledge with deep sense of gratitude to my project guide Mr. Rajeev Sardana Senior Manager, Credit, PNB Circle Office, for enhancing my understanding of the subject and enabling me to appreciate finer nuances of the subject.

I would also like to express my deepest gratitude to the entire Credit Department for their help and guidance, without which the completion of this project would have been extremely difficult.

Aditya Singh
Roll No. 17
PGD in Global Business Operations
Shri Ram College of Commerce

Table of Content

PARTICULARS
PAGE NO.
CHAPTER 1
EXECUTIVE SUMMARY
6
CHAPTER 2
INTRODUCTION TO CREDIT APPRAISAL
8
CHAPTER 3
OBJECTIVES
10
CHAPTER 4
RESEARCH METHODOLOGY
11
CHAPTER 5
INDUSTRY PROFILE
12
CHAPTER 6
COMPANY PROFILE
14
CHAPTER 7
REVIEW OF LITERATURE
17
CHAPTER 8
CREDIT APPRAISAL
24
CHAPTER 9
CREDIT RISK MANAGEMENT
36
CHAPTER 10
POST SANCTION FOLLOW UP OF LOANS
42
CHAPTER 11
ANALYSIS & INTERPRETATION
44
CHAPTER 12
CASE STUDY- ABC PARTS Pvt. Ltd.
54
CHAPTER 13
CONCLUSION & RECOMMENDATIONS
72
CHAPTER 14
REFERENCES
75

Chapter 1
EXECUTIVE SUMMARY
This project was undertaken at the Punjab National Bank Circle Office Delhi, at the Credit Department. Financial requirements for Project Finance and Working Capital purposes are taken care of at the Credit Department. Companies that intend to seek credit...
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