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Credit analysis of personal loan Rahul Mishra

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  • 1. S U B M I T T E D T O : - P R E S E N T E D B Y , P R F - A D I T I N A I D U R A H U L M I S H R A Credit Analysis of personal loan for Indian Bank
  • 2. Industry Introduction  Deposits and lending are prime functions  Major step- Nationalization of bank  Structure  Impact of banking sector in Economy
  • 3. Bifurcation of Banking Sector SBI 44% Bank of Baroda 8% PNB 8% Canara Bank 5% Bank of India 5% Union Bank 4% IDBI Bank 3% Syndicate Bank 2% Oriental Bank 2% Central Bank 2% Corporation Ban 2% UCO Bank 2% Indian Bank 2% Allahabad Bank 2% IOB 2% Andhra Bank 2% Bank of Mah 1% Dena Bank 1% State B Bikaner 1% State Bnk My 1% State Bnk Tr 1% 0% Market Capitalisation
  • 4. Introduction to Indian Bank  Premier bank owned by government of India  International presence  Diversified Banking Activities  Specialized Banking  Rural Development  Latest Technology
  • 5. Objective of the Project Internship Credit analysis Non- performing assets
  • 6. Credit Analysis  The project involved an in-depth study of the various Personal loans provided by Indian bank to include: i. The loan and its features: ii. Type of loan, its features, iii. Tenure, iv. Interest rates, v. procedures for approval including eligibility criteria, security needed  The personal loans offered by Indian Bank were compared across a number of parameters with loans offered by competing banks
  • 7. Personal loans offered by Indian Bank 1. Home Loan 2. Education Loan 3. Car Loan etc. Detailed descriptions of the above loans are in the Report
  • 8. Comparison of Indian Bank interest rates with those of Competing banks(Personal Loan) 13.99% 14.25% 14.50% 15.00% 13.99% 16.00% 14.50% 12.50% 13.00% 13.50% 14.00% 14.50% 15.00% 15.50% 16.00% 16.50% HDFC Bank ICICI Bank ING Vysya Bank Bajaj Finserv Lending Kotak Bank Standard Chartered Bank Indian Bank Rate of Interest
  • 9. Non performing Assets  Bank's nonperforming loans plus the real estate owned by the bank due to foreclosures.  Nonperforming assets are footnoted on the balance sheet.  Sub-standard assets  Doubtful Assets  Loss assets  A major cause for NPA is fixation of unrealistic repayment schedule  The implementation of Basel III norms are to commence in 2013 and recapitalization is mandatory for many banking institutions
  • 10. Overall assessment of Credit Analysis & Learning  Economic slowdown likely to impact the credit  RBI policy, lowering policy rates  Asset quality need to be closely monitored  More impetus on fee based and non-interest income services  Financial inclusion to play a key role in the near future  Banks will expand in overseas market  Mobile banking, next major technological leap  Competition set to intensify
  • 11. Overall assessment of NPAs  Gross non-performing assets are set to inch up to 4.4 per cent this fiscal year from the likely of 4.2 per cent in 2012-13  Reasons:-  Economic slowdown  High interest rates  New reporting system  Aviation sector  Detecting NPA:-  Scrutiny of accounts and ledger cards  Scrutiny of statements  External sources  Computerizations of loan monitoring
  • 12. Findings and Recommendation  From this project it is found that INDIAN BANK advance credit product is slowly gaining its pace in the market at Noida,  All of INDIAN BANK customers are satisfied with the services provided by the bank.  Many of these customers satisfied with the low interest rate and longer repayment period of the advance credit products.  Approximately 43% of advance credit products users said that the service of INDIAN BANK in advance credit products is excellent.  Many customers have no time to call customer care so that they are not able to know about the service & features of INDIAN BANK advance credit products.
  • 13. Conclusion  Customer awareness programme is required so that more people should attract towards advance credit products.  If there are any kind of hidden charges than that must disclose to customer before giving loan to them.  Indian Bank must take some steps so that customers can get their loan on time.  INDIAN BANK should be more concern about faster settlement of customer problem  Advance credit products selling agents must not give any type of wrong information regarding advance credit products.
  • 14. THANK YOU

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