Project Report

Topics: Financial ratio, Financial ratios, Balance sheet Pages: 38 (10634 words) Published: September 5, 2013
LOVELY PROFESSIONAL UNIVERSITY DEPARTMENT OF MANAGEMENT

Report on Summer Training [Title]

Ratio Analysis to know the Financial Position of “The Nawanshahar Central Co-operative Bank Limited”

Submitted to Lovely Professional University

In partial fulfillment of the Requirements for the award of Degree of Bachelor of Business Administration (BBA)

Submitted by: Name of the student- Mandeep Kaur Dhamrait University Roll No.- R1813A26

DEPARTMENT OF MANAGEMENT LOVELY PROFESSIONAL UNIVERSITY PHAGWARA

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ACKNOWLEDGEMENT
I would like to convey my feelings of gratitude to all who have in any manner helped me in successfully completing this project and moreover, on time. Firstly, I would like to thanks Shri Ram Lubhaya, District Manager, S. Nirmaljit Singh, Assistant Manager of “The Nawanshahar Central Co-operative Bank” who gave me a golden opportunity to do summer training in the bank and undertake a meaningful project. I Am also thankful to Shri Sukhdev kumar, Mr. Manminder Singh, Mrs. Neelam Kumari, and every staff member in the bank who provided me his/her valuable advice at appropriate time to make this project successful. Last but not the least I am thankful to Mr. Lokesh Jasrai, training coordinator of LSB(Lovely School of Business) and my faculty guide who provided me time to time support in topic selection, rectification of mistakes etc. \

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TABLE OF CONTENTS
Page no. 1. Abstract / Executive summary ……………………………………………………….4 2. Introduction ………………………………………………………………………….5 3. Purpose of the project………………………………………………………………...13 4. Review of Literature………………………………………………………………….14 5. Research Methodology/Research Design………………………………………….....18 6. Presentation of Data…………………………………………………………………..19 7. Comparative Balance Sheet…………………………………………………………..23 8. Ratio Analysis………………………………………………………………………...24 9. Ratios Used by The Nawanshahar Central Co –operative Bank……………………...35 10. Ratios as per Book…………………………………………………………………….40 11. Data Analysis and Data Interpretation………………………………………………..43 12. Findings and Recommendations……………………………………………………....45 13. References……………………………………………………………………………..46

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ABSTRACT/EXECUTIVE SUMMARY
This project report is on a co-operative bank. A co-operative bank is an institution established on cooperative basis and doing ordinary banking business. These banks are funded by collecting funds through shares, deposits etc. They are concerned with rural credit and provide financial Assistance to agriculture and rural activities This project report is on the topic of “Ratio Analysis to know the Financial Position of the Nawanshahar Central Co-operative Bank Limited”. Under this topic the ratios of two years i.e. 2008 and 2009 have been calculated. Moreover, comparative balance sheet of two years has been prepared to know the changes made in these two years in the figures of balance sheet of the bank. The significance of the project is that by watching these ratios one can understand the position of the bank. These ratios make comparison easy. However, there are limitations of these ratios too which are kept in mind while calculating them. Instead of a single ratio a group of ratios have been calculated to get more accurate estimate of the position of the bank. There are limitations of the study which the readers must know before reading the project report these are as follows:  The study is limited to “The Nawanshahar Central Co-operative Bank”. No comparative study has been made with other bank.  Ratios are compared for two years only i.e. 2008 and 2009.  The interpretation and suggestions have been made as per our own understanding. As per calculations made in this project report, we can see that the financial position of the bank is strong. It is getting good returns on its investments. It has enough liquid assets to pay off its current liabilities. It has good amount of reserve and surpluses, undistributed profits, deposits etc. Moreover, this bank has never incurred...


References: 8
WORKING CAPITAL: The working capital as on 31st March, 2008 is Rs
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