п»їMANAGERIAL ECONOMICS PROJECT
We would like for taking this chance to thank Prof. Jhonson for a lot of his help and support throughout this project and for giving all of us a chance to recognize the Expense opportunity inside the Banking Industry and make a decision whether a provided bank is useful for investment or not.
TABLE OF CONTENTS
SR. NO .
PAGE NO .
LAUNCH вЂ“ KARUR VYSYA BANK
BALANCE SHEET AND PROFIT & LOSS RESEARCH
STOCK MOTION OF KARUR OVER PREVIOUS FIVE YEARS
MAJOR FACTORS SUGGESTING KARUR AS GOOD LENDER FOR EXPENDITURE
NON CARRYING OUT ASSETS OF KARUR
ARTICLE FROM вЂTHE ECONOMIC TIMES' DATED TWENTY FOURTH SEPTEMBER 2012 17
CAPITAL ADEQUACY AS PER BASEL II SUGGESTIONS
BASEL III GUIDELINES
INTRODUCTION вЂ“ KARUR VYSYA BANK
Commercial banking in India may boast of a history of about 2 hundred years. Nevertheless one could track the history of banking returning to the nineteenth century, the beginning of the last century saw the birth of many banks in India, set up by simply people with vision, commitment and national nature. The Karur Vysya Traditional bank Ltd. was started in the entire year 1916 in Karur, then the small linen town using a vast gardening background, by two illustrious sons with the soil вЂ“ Sri Meters. A. Venkatarama Chettiar and Sri Athi Krishna Chettiar. What started out as a endeavor with a venture capital, initial investment of Rs. 1 . 00 lakh has grown into a leading financial institution that gives the extensive gamut of financial services to millions of it is customers under one roof structure. It's main objective was to inculcate the habit of savings and provide financial assist with traders and small agriculturists in and around Karur, a linen town in Tamil Nadu. Though the traditional bank started which has a seed capital of Rs. you lakh, they have withstood countless changes and challenges before few decades and has profitably emerged as one of the leading banking companies in India without diminishing on it is fundamentals. Vision:
Delight the shoppers continually simply by blending traditions with technology to deliver progressive products and services for affordable costs through a pan India department network. Mission:
Adapt technology to introduce innovative services and products as well as raise the value of goods on an on-going basis and provide them by reasonable rates. Expand branch network to succeed in the top organization centres, besides unbanked and under banked areas near your vicinity Strengthen the financials through effective deployment of funds and ensuring financial self-control while adhering to the regulator's guidelines Update the knowledge and skills with the human capital to provide quality customer support
"BALANCE SHEET" ANALSIS AND PROFIT & LOSS RESEARCH
1 . Product sales turnover evaluation for last five years (March 08 вЂ“ Mar 2012)
Examination: The product sales turnover got grown simply by more than forty percent this year confirming that Lender is in the bigger growth tertiary. Bank in addition has maintained consistent growth in sales yield on Y-o-Y basis.
2 . Shareholding Routine Analysis pertaining to the year ended 31st 03 2012
Shareholding Pattern while %
Shareholding of Marketers and Marketer Group
three or more. 15
2 . '04
Foreign Institutional Investors
Low Institutions (Body Corporate)
Shareholders with nominal share capital upto
Rs. 1 Lakh
Shareholders with nominal discuss capital more than Rs. 1 Lakh 23. 26
Directors & their family
Hindu Undivided Families
Analysis: Out of amount of stocks and shares 28. 48% of stocks are owned by FIIS (Foreign Institutional Investors), eight. 46% stocks and shares are held by domestic mutual money and UTI. Apart from that Experienced investor Rakesh Jhunjhunwala has 4. 71% stake in the company. This itself...
Care Rating Organization
вЂThe Economic Times' вЂ“ Article by simply Mr. Alok Sheel old 24th Sept 2012.