economic project on bank profitability
MANAGERIAL ECONOMICS PROJECT
ACKNOWLEDGEMENT
We would like to take this opportunity to thank Prof. Jhonson for all his help and support throughout this project and for giving us a chance to identify the Investment opportunity in the Banking Industry and decide whether a given bank is good for investment or not.
TABLE OF CONTENTS
SR. NO.
TOPIC
PAGE NO.
1
INTRODUCTION – KARUR VYSYA BANK
4
2
BALANCE SHEET AND PROFIT & LOSS ANALYSIS
5
3
STOCK MOVEMENT OF KARUR OVER LAST FIVE YEARS
12
4
MAJOR FACTORS SUGGESTING KARUR AS GOOD BANK FOR INVESTMENT
13
5
NON PERFORMING ASSETS OF KARUR
15
6
ARTICLE FROM ‘THE ECONOMIC TIMES’ DATED 24TH SEPTEMBER 2012
17
7
CAPITAL ADEQUACY AS PER BASEL II GUIDELINES
18
8
BASEL III GUIDELINES
20
9
CONCLUSION
22
10
BIBLIOGRAPHY
23
INTRODUCTION – KARUR VYSYA BANK
Commercial banking in India can boast of a history of about 200 years. Though one could trace the history of banking back to the 19th century, the beginning of the last century saw the birth of many banks in India, set up by people with vision, commitment and national spirit.
The Karur Vysya Bank Ltd. was started in the year 1916 in Karur, then a small textile town with a vast agricultural background, by two illustrious sons of the soil – Sri M.A. Venkatarama Chettiar and Sri Athi Krishna Chettiar. What started as a venture with a seed capital of Rs. 1.00 lakh has grown into a leading financial institution that offers the wide gamut of financial services to millions of its customers under one roof. It’s main objective was to inculcate the habit of savings and provide financial assistance to traders and small agriculturists in and around Karur, a textile town in Tamil Nadu.
Though the bank started with a seed capital of Rs.1 lakh, it has withstood innumerable changes and challenges in the past few decades and has profitably
ACKNOWLEDGEMENT
We would like to take this opportunity to thank Prof. Jhonson for all his help and support throughout this project and for giving us a chance to identify the Investment opportunity in the Banking Industry and decide whether a given bank is good for investment or not.
TABLE OF CONTENTS
SR. NO.
TOPIC
PAGE NO.
1
INTRODUCTION – KARUR VYSYA BANK
4
2
BALANCE SHEET AND PROFIT & LOSS ANALYSIS
5
3
STOCK MOVEMENT OF KARUR OVER LAST FIVE YEARS
12
4
MAJOR FACTORS SUGGESTING KARUR AS GOOD BANK FOR INVESTMENT
13
5
NON PERFORMING ASSETS OF KARUR
15
6
ARTICLE FROM ‘THE ECONOMIC TIMES’ DATED 24TH SEPTEMBER 2012
17
7
CAPITAL ADEQUACY AS PER BASEL II GUIDELINES
18
8
BASEL III GUIDELINES
20
9
CONCLUSION
22
10
BIBLIOGRAPHY
23
INTRODUCTION – KARUR VYSYA BANK
Commercial banking in India can boast of a history of about 200 years. Though one could trace the history of banking back to the 19th century, the beginning of the last century saw the birth of many banks in India, set up by people with vision, commitment and national spirit.
The Karur Vysya Bank Ltd. was started in the year 1916 in Karur, then a small textile town with a vast agricultural background, by two illustrious sons of the soil – Sri M.A. Venkatarama Chettiar and Sri Athi Krishna Chettiar. What started as a venture with a seed capital of Rs. 1.00 lakh has grown into a leading financial institution that offers the wide gamut of financial services to millions of its customers under one roof. It’s main objective was to inculcate the habit of savings and provide financial assistance to traders and small agriculturists in and around Karur, a textile town in Tamil Nadu.
Though the bank started with a seed capital of Rs.1 lakh, it has withstood innumerable changes and challenges in the past few decades and has profitably
Bibliography: www.kvb.co.in/ www.moneycontrol.com www.rbi.co.in Care Rating Agency ‘The Economic Times’ – Article by Mr. Alok Sheel dated 24th September 2012.