K. Ramaswamy is currently working as an Area Credit Manager at HDFC Bank in Tamilnadu, India, with over 34 years of experience in banking. He has held several managerial roles in credit analysis and business banking at HDFC Bank and Syndicate Bank. Ramaswamy has extensive experience in appraising credit proposals, monitoring loan portfolios, and ensuring loan quality. He is proficient in credit analysis, operations, and foreign exchange and has attended several training programs in these areas.
The document is a resume for N. Unni Krishnan providing details of his professional experience, education, and personal details. It summarizes his career history working in credit roles for various banks and financial institutions over 20 years, including his current role as a Regional Credit Head at Dhanlaxmi Bank Ltd. It also lists his educational qualifications which include a BCom, PG Diploma in Financial Management, MBA, and technical certifications.
N. Unni Krishnan has over 15 years of experience in banking and finance. He is currently working as the Regional Credit Head at Dhanlaxmi Bank Ltd, where he has been for the past 5 years. Prior to this, he worked at ICICI Bank Ltd as a Credit Manager for 3.5 years and held credit-related roles at LIC Housing Finance Ltd and L&T Transportation Infrastructure Ltd. He has a BCom, PG Diploma in Financial Management, MBA, and JAIIB qualification.
1) Samir R Dave has over 15 years of experience in financial services including banking, debt markets, and mutual funds.
2) He has held roles such as Branch Manager at ICICI Bank and various manager/head roles at companies such as KIFS Securities, Fiduciary Euromax Global Markets, and Karvy Computershare.
3) His responsibilities have included operations, compliance, portfolio management, training, and relationship management.
A study to evaluate the banking services provided to SME customers by ICICI b...apurv1993
A study to evaluate the banking services provided to SME customers by ICICI bank in uttar pradesh, introduction to the topic, review of literature,Objective of study, research methodolgy, limitations, conclusion, bibliography.
This document provides an overview of the Jammu & Kashmir Bank in 3 paragraphs. It discusses how the bank was established in 1938 to address a lack of banking in the state of Jammu & Kashmir. The bank aimed to help people in the state overcome economic backwardness by providing banking services. It opened its first branches in Srinagar and Jammu. Over time, the bank grew its operations both within and outside of Jammu & Kashmir. The document also notes that the state government owns half of the bank's capital and appointed it as the banker for state government business.
Mushtaque Khan has over 17 years of experience working in government enterprises in India and 3.5 years of experience working in Saudi Arabia. He currently works as an Assistant Manager of Finance and Accounts for Nice Projects Pvt. Ltd in New Delhi. He holds an M.Com from Aligarh Muslim University and has experience in accounting, banking, project management, and computer skills.
This document is a curriculum vitae for Asuri Parthasarathi that summarizes his education and professional experience. He has over 15 years of experience in finance, accounting, banking, and taxation. Currently he works as a Manager of Finance at FLSmidth Private Ltd where he oversees general ledger activities and direct taxation. Previously he held roles like Deputy General Manager of Finance and Accounts and Area Head in banking. He has expertise in financial reporting, auditing, credit analysis, and tax compliance.
This document analyzes the strengths, weaknesses, opportunities and threats for Indian Bank. It summarizes key financial metrics for 2007-08 and 2008-09 such as deposits, advances, interest earned, net profit and EPS. The document also includes the objectives and findings of studies on interest rates for various loan products and how banks analyze companies for loan sanctions. It acknowledges limitations of the study and provides recommendations on areas where Indian Bank needs to improve such as return on equity, growth rate and spending more on advertising to increase brand awareness.
The document is a resume for N. Unni Krishnan providing details of his professional experience, education, and personal details. It summarizes his career history working in credit roles for various banks and financial institutions over 20 years, including his current role as a Regional Credit Head at Dhanlaxmi Bank Ltd. It also lists his educational qualifications which include a BCom, PG Diploma in Financial Management, MBA, and technical certifications.
N. Unni Krishnan has over 15 years of experience in banking and finance. He is currently working as the Regional Credit Head at Dhanlaxmi Bank Ltd, where he has been for the past 5 years. Prior to this, he worked at ICICI Bank Ltd as a Credit Manager for 3.5 years and held credit-related roles at LIC Housing Finance Ltd and L&T Transportation Infrastructure Ltd. He has a BCom, PG Diploma in Financial Management, MBA, and JAIIB qualification.
1) Samir R Dave has over 15 years of experience in financial services including banking, debt markets, and mutual funds.
2) He has held roles such as Branch Manager at ICICI Bank and various manager/head roles at companies such as KIFS Securities, Fiduciary Euromax Global Markets, and Karvy Computershare.
3) His responsibilities have included operations, compliance, portfolio management, training, and relationship management.
A study to evaluate the banking services provided to SME customers by ICICI b...apurv1993
A study to evaluate the banking services provided to SME customers by ICICI bank in uttar pradesh, introduction to the topic, review of literature,Objective of study, research methodolgy, limitations, conclusion, bibliography.
This document provides an overview of the Jammu & Kashmir Bank in 3 paragraphs. It discusses how the bank was established in 1938 to address a lack of banking in the state of Jammu & Kashmir. The bank aimed to help people in the state overcome economic backwardness by providing banking services. It opened its first branches in Srinagar and Jammu. Over time, the bank grew its operations both within and outside of Jammu & Kashmir. The document also notes that the state government owns half of the bank's capital and appointed it as the banker for state government business.
Mushtaque Khan has over 17 years of experience working in government enterprises in India and 3.5 years of experience working in Saudi Arabia. He currently works as an Assistant Manager of Finance and Accounts for Nice Projects Pvt. Ltd in New Delhi. He holds an M.Com from Aligarh Muslim University and has experience in accounting, banking, project management, and computer skills.
This document is a curriculum vitae for Asuri Parthasarathi that summarizes his education and professional experience. He has over 15 years of experience in finance, accounting, banking, and taxation. Currently he works as a Manager of Finance at FLSmidth Private Ltd where he oversees general ledger activities and direct taxation. Previously he held roles like Deputy General Manager of Finance and Accounts and Area Head in banking. He has expertise in financial reporting, auditing, credit analysis, and tax compliance.
This document analyzes the strengths, weaknesses, opportunities and threats for Indian Bank. It summarizes key financial metrics for 2007-08 and 2008-09 such as deposits, advances, interest earned, net profit and EPS. The document also includes the objectives and findings of studies on interest rates for various loan products and how banks analyze companies for loan sanctions. It acknowledges limitations of the study and provides recommendations on areas where Indian Bank needs to improve such as return on equity, growth rate and spending more on advertising to increase brand awareness.
This document is a project report submitted by Khandagale Devram Rishabh to VIVA Institute of Management & Research in partial fulfillment of the degree of Master of Management Studies. The project report analyzes the fundamental analysis of the banking sector of SBI and HDFC Bank through studying their history, products/services, market share, balance sheets, and profit and loss statements over two years. It also performs ratio analysis and comparison between the two banks. The objective is to fundamentally analyze the banking sector companies.
This document is a project report on studying the financial statements and books of accounts of S.K Compuprints Pvt. Ltd. It was submitted by Shubham Jain to partial fulfillment of an MBA program. The report includes an introduction, company profile, objectives, conceptual background, research methodology, data analysis and interpretation, findings and suggestions, and conclusion. Certificates are provided by the guiding professor and institute. The analysis focuses on profitability, liquidity, and financial stability based on the company's 2015-16 and 2016-17 financial statements. Ratios and other calculations are used to analyze the company's prospects and identify areas for improvement.
This document is a project report submitted by Paul Jose in partial fulfillment of the requirements for a Master's degree in Business Administration from Sri Venkateswara College of Computer Applications and Management. The project analyzes the capital structure of Federal Bank Aluva over a 5 year period using ratio analysis and financial statement trends. The report includes an introduction, industry profile of banking in India, company profile of Federal Bank, literature review, findings and suggestions.
This document is a project report on trend analysis of HDFC Ltd submitted for a Master's degree. It includes an introduction discussing trend analysis and its uses in business for revenue/cost analysis and investment analysis. It then provides context on the banking industry in India, from its origins in the 18th century to the modern system established and regulated by the Reserve Bank of India. The project report will analyze trends in HDFC to fulfill degree requirements.
This document appears to be a summer training report submitted by Tripureshwar Sah towards a Bachelor's degree in Business Administration. It includes a title page, declaration by the author, certificate by the guide, acknowledgements, and table of contents. The report will analyze the financial management of banks and compare different banks. It will have chapters on the industry profile, company profile, financial analysis, conclusions and references. Financial management refers to efficiently managing funds to achieve organizational objectives and maximize shareholder value. It includes capital budgeting, working capital management, dividend decisions, and financing decisions.
A project report on financial statement analysisProjects Kart
The document discusses AU Financiers (India) Private Limited, a non-banking finance company registered with the Reserve Bank of India. It provides an overview of the company's history, operations, products and services, financial performance, targets, and departments. Key information includes growth in customers, assets, and net worth over time as well as details on vehicle financing, small business loans, and insurance products offered.
Equity Research Report of Kotak mahindra bankAkshay Virkar
Kotak Mahindra Bank is an Indian financial services firm that was previously a non-banking financial company but converted to a bank in 2003. The document analyzes the company's fundamentals, including its financial performance, ratios, industry analysis and comparison to peers. It finds that the company has stable financial results that project future growth for Kotak Mahindra Bank.
Project Report on Short Term Financial ManagementWilliam Banarjee
- The document analyzes financial ratios related to working capital for two pharmaceutical companies in the US (GlaxoSmithKline and Johnson & Johnson) and two in Bangladesh (GlaxoSmithKline Bangladesh and Square Pharmaceuticals)
- Ratios like current ratio, quick ratio, net working capital, and working capital requirements are compared between 2014 for the four companies
- The Bangladeshi companies generally had stronger ratios compared to the US companies, indicating higher liquidity and better ability to meet short-term obligations
Commercial bank, especially Govt. Bank is one of the important business sectors in Bangladesh. Agrani Bank Limited is a scheduled commercial bank in the govt. sector which is focused on the established and emerging markets of Bangladesh. The purpose of this study is to earn a real life practical experience on marketing of bank service.
The study mainly conducted with the following objectives :To find out 7Ps of marketing mix in Agrani Bank LTD
This document is a project report submitted by a student named Vivek Shriram Mahajan to the University of Mumbai for their M.Com degree. The report analyzes ratios for two major Indian banks, State Bank of India and ICICI Bank, to evaluate their liquidity, activity, solvency, profitability, and shareholders ratios. The introduction provides background on financial management and ratio analysis. The report then gives an industry profile of each bank and provides comments on the ratio analysis.
Analyzing customer satisfaction level at standard chartered bankWINNERbd.it
This document is an internship report submitted by Afrin Akter Rumi to analyze customer satisfaction levels at Standard Chartered Bank's Narayangonj branch in Bangladesh. It provides background on the bank, describes the internship experience and objectives of analyzing customer service. Data collection methods included interviews, questionnaires, and observations of bank activities and customers. The report aims to evaluate customer satisfaction, identify ways to improve service, and examine the bank's performance. Some limitations to the study include inability to access all bank data and preparing the report within the internship period.
A study of investors opinion about on line tradingcase of m soll ltd.Rana Ratnakar
This document is a dissertation submitted for a Master's degree in business administration. It discusses conducting a study on investors' opinions about online stock trading using the company M-SOLL Ltd as a case study. The dissertation includes an introduction, objectives of the study, research methodology, company profile of M-SOLL Ltd, an overview of the Indian stock market, descriptions of the National Stock Exchange and Bombay Stock Exchange, and an outline of the contents which will analyze online trading, marketing strategies, competitors, findings, and conclusions.
NEW AGE FINANCIAL PRODUCTS & THEIR ROLE IN TRANSFORMING MODERN BANKINGRADHIKA GUPTA
This document provides a summary of a student paper titled "NEW AGE FINANCIAL PRODUCTS & THEIR ROLE IN TRANSFORMING MODERN BANKING". The paper examines how new banking products like debit cards, credit cards, POS machines, ATMs, e-banking and SMS banking have transformed modern banking. It includes a literature review on past studies and sections analyzing each financial product and how they have changed customer behaviors and transactions. The conclusion finds that these new products have significantly changed buying and transaction habits and banking scenarios in recent times.
Kotak Mahindra Bank Ltd. is one of India's leading banking groups that offers a wide range of financial services. The document discusses retail banking services, which involves direct transactions between a bank and its consumers. It also provides an overview of the internship project at Kotak Mahindra Bank's Mulund West branch in their retail liability group. The intern learned about opening accounts, pitching customers to acquire leads and bring in new business. Through telecalling and meetings, the intern was able to open several new accounts and insurance policies.
This document provides information about State Bank of India (SBI), the largest public sector bank in India. It discusses SBI's organizational structure, selection process for new employees, induction program, employee benefits, performance appraisal system, training and development programs, and comments from current employees about their experience working at SBI. The document outlines SBI's headquarters in Mumbai, worldwide presence, various banking products and services offered, annual profit, employee count, and website. It also describes the roles of different positions within a typical SBI branch structure.
This document is a project report on comparing the success rates of two technical indicators - candlestick patterns and relative strength index (RSI) - for crude oil trading. The objectives are to analyze candlestick and RSI operations on crude oil globally through a commodities company, ensure the success and failure rates of candlestick and RSI at different points, and compare RSI calculations to candlestick values. The report provides an introduction to the commodity markets industry in India and outlines the limitations of the study.
Report on summer internship project of Himalayan Bank Limited.priyanka sarraf
A SUMMER INTERNSHIP PROJECT ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
Pradeep C. Dhawad is a senior finance executive with 18 years of experience in accounts and finance. He has expertise in financial analysis, reconciliation, and ERP systems like Oracle. He holds an MBA and M.Com and is seeking a career opportunity with potential for growth.
This document is a project report submitted by a student named Vivek Shriram Mahajan to the University of Mumbai in partial fulfillment of an M.Com degree. The report studies basic concepts of working capital at SBI and ICICI Bank.
The report includes an introduction to financial management and working capital. It defines working capital and discusses the balance sheet and operating cycle concepts of working capital. The report also provides an industry profile of SBI and ICICI Bank and comments on the basic concepts of working capital at these banks based on the study.
Sridharan has over 30 years of experience in finance, banking, audits, and credit management. He has held senior roles such as senior audit manager, deputy general manager of finance, manager of finance and accounts, credit analyst, and various managerial positions at banks. Sridharan has extensive experience in areas like credit administration, branch management, project financing, audits, accounting, and treasury management. He is proficient in financial planning, internal controls, cost reduction, and improving operations.
Vimal has over 29 years of experience in international banking including trade finance, forex operations, credit management, and branch management. He is seeking a senior role in banking or finance in Chennai. He has a B.Com and CAIIB and is proficient in English, Tamil, and Hindi.
This document is a project report submitted by Khandagale Devram Rishabh to VIVA Institute of Management & Research in partial fulfillment of the degree of Master of Management Studies. The project report analyzes the fundamental analysis of the banking sector of SBI and HDFC Bank through studying their history, products/services, market share, balance sheets, and profit and loss statements over two years. It also performs ratio analysis and comparison between the two banks. The objective is to fundamentally analyze the banking sector companies.
This document is a project report on studying the financial statements and books of accounts of S.K Compuprints Pvt. Ltd. It was submitted by Shubham Jain to partial fulfillment of an MBA program. The report includes an introduction, company profile, objectives, conceptual background, research methodology, data analysis and interpretation, findings and suggestions, and conclusion. Certificates are provided by the guiding professor and institute. The analysis focuses on profitability, liquidity, and financial stability based on the company's 2015-16 and 2016-17 financial statements. Ratios and other calculations are used to analyze the company's prospects and identify areas for improvement.
This document is a project report submitted by Paul Jose in partial fulfillment of the requirements for a Master's degree in Business Administration from Sri Venkateswara College of Computer Applications and Management. The project analyzes the capital structure of Federal Bank Aluva over a 5 year period using ratio analysis and financial statement trends. The report includes an introduction, industry profile of banking in India, company profile of Federal Bank, literature review, findings and suggestions.
This document is a project report on trend analysis of HDFC Ltd submitted for a Master's degree. It includes an introduction discussing trend analysis and its uses in business for revenue/cost analysis and investment analysis. It then provides context on the banking industry in India, from its origins in the 18th century to the modern system established and regulated by the Reserve Bank of India. The project report will analyze trends in HDFC to fulfill degree requirements.
This document appears to be a summer training report submitted by Tripureshwar Sah towards a Bachelor's degree in Business Administration. It includes a title page, declaration by the author, certificate by the guide, acknowledgements, and table of contents. The report will analyze the financial management of banks and compare different banks. It will have chapters on the industry profile, company profile, financial analysis, conclusions and references. Financial management refers to efficiently managing funds to achieve organizational objectives and maximize shareholder value. It includes capital budgeting, working capital management, dividend decisions, and financing decisions.
A project report on financial statement analysisProjects Kart
The document discusses AU Financiers (India) Private Limited, a non-banking finance company registered with the Reserve Bank of India. It provides an overview of the company's history, operations, products and services, financial performance, targets, and departments. Key information includes growth in customers, assets, and net worth over time as well as details on vehicle financing, small business loans, and insurance products offered.
Equity Research Report of Kotak mahindra bankAkshay Virkar
Kotak Mahindra Bank is an Indian financial services firm that was previously a non-banking financial company but converted to a bank in 2003. The document analyzes the company's fundamentals, including its financial performance, ratios, industry analysis and comparison to peers. It finds that the company has stable financial results that project future growth for Kotak Mahindra Bank.
Project Report on Short Term Financial ManagementWilliam Banarjee
- The document analyzes financial ratios related to working capital for two pharmaceutical companies in the US (GlaxoSmithKline and Johnson & Johnson) and two in Bangladesh (GlaxoSmithKline Bangladesh and Square Pharmaceuticals)
- Ratios like current ratio, quick ratio, net working capital, and working capital requirements are compared between 2014 for the four companies
- The Bangladeshi companies generally had stronger ratios compared to the US companies, indicating higher liquidity and better ability to meet short-term obligations
Commercial bank, especially Govt. Bank is one of the important business sectors in Bangladesh. Agrani Bank Limited is a scheduled commercial bank in the govt. sector which is focused on the established and emerging markets of Bangladesh. The purpose of this study is to earn a real life practical experience on marketing of bank service.
The study mainly conducted with the following objectives :To find out 7Ps of marketing mix in Agrani Bank LTD
This document is a project report submitted by a student named Vivek Shriram Mahajan to the University of Mumbai for their M.Com degree. The report analyzes ratios for two major Indian banks, State Bank of India and ICICI Bank, to evaluate their liquidity, activity, solvency, profitability, and shareholders ratios. The introduction provides background on financial management and ratio analysis. The report then gives an industry profile of each bank and provides comments on the ratio analysis.
Analyzing customer satisfaction level at standard chartered bankWINNERbd.it
This document is an internship report submitted by Afrin Akter Rumi to analyze customer satisfaction levels at Standard Chartered Bank's Narayangonj branch in Bangladesh. It provides background on the bank, describes the internship experience and objectives of analyzing customer service. Data collection methods included interviews, questionnaires, and observations of bank activities and customers. The report aims to evaluate customer satisfaction, identify ways to improve service, and examine the bank's performance. Some limitations to the study include inability to access all bank data and preparing the report within the internship period.
A study of investors opinion about on line tradingcase of m soll ltd.Rana Ratnakar
This document is a dissertation submitted for a Master's degree in business administration. It discusses conducting a study on investors' opinions about online stock trading using the company M-SOLL Ltd as a case study. The dissertation includes an introduction, objectives of the study, research methodology, company profile of M-SOLL Ltd, an overview of the Indian stock market, descriptions of the National Stock Exchange and Bombay Stock Exchange, and an outline of the contents which will analyze online trading, marketing strategies, competitors, findings, and conclusions.
NEW AGE FINANCIAL PRODUCTS & THEIR ROLE IN TRANSFORMING MODERN BANKINGRADHIKA GUPTA
This document provides a summary of a student paper titled "NEW AGE FINANCIAL PRODUCTS & THEIR ROLE IN TRANSFORMING MODERN BANKING". The paper examines how new banking products like debit cards, credit cards, POS machines, ATMs, e-banking and SMS banking have transformed modern banking. It includes a literature review on past studies and sections analyzing each financial product and how they have changed customer behaviors and transactions. The conclusion finds that these new products have significantly changed buying and transaction habits and banking scenarios in recent times.
Kotak Mahindra Bank Ltd. is one of India's leading banking groups that offers a wide range of financial services. The document discusses retail banking services, which involves direct transactions between a bank and its consumers. It also provides an overview of the internship project at Kotak Mahindra Bank's Mulund West branch in their retail liability group. The intern learned about opening accounts, pitching customers to acquire leads and bring in new business. Through telecalling and meetings, the intern was able to open several new accounts and insurance policies.
This document provides information about State Bank of India (SBI), the largest public sector bank in India. It discusses SBI's organizational structure, selection process for new employees, induction program, employee benefits, performance appraisal system, training and development programs, and comments from current employees about their experience working at SBI. The document outlines SBI's headquarters in Mumbai, worldwide presence, various banking products and services offered, annual profit, employee count, and website. It also describes the roles of different positions within a typical SBI branch structure.
This document is a project report on comparing the success rates of two technical indicators - candlestick patterns and relative strength index (RSI) - for crude oil trading. The objectives are to analyze candlestick and RSI operations on crude oil globally through a commodities company, ensure the success and failure rates of candlestick and RSI at different points, and compare RSI calculations to candlestick values. The report provides an introduction to the commodity markets industry in India and outlines the limitations of the study.
Report on summer internship project of Himalayan Bank Limited.priyanka sarraf
A SUMMER INTERNSHIP PROJECT ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
Pradeep C. Dhawad is a senior finance executive with 18 years of experience in accounts and finance. He has expertise in financial analysis, reconciliation, and ERP systems like Oracle. He holds an MBA and M.Com and is seeking a career opportunity with potential for growth.
This document is a project report submitted by a student named Vivek Shriram Mahajan to the University of Mumbai in partial fulfillment of an M.Com degree. The report studies basic concepts of working capital at SBI and ICICI Bank.
The report includes an introduction to financial management and working capital. It defines working capital and discusses the balance sheet and operating cycle concepts of working capital. The report also provides an industry profile of SBI and ICICI Bank and comments on the basic concepts of working capital at these banks based on the study.
Sridharan has over 30 years of experience in finance, banking, audits, and credit management. He has held senior roles such as senior audit manager, deputy general manager of finance, manager of finance and accounts, credit analyst, and various managerial positions at banks. Sridharan has extensive experience in areas like credit administration, branch management, project financing, audits, accounting, and treasury management. He is proficient in financial planning, internal controls, cost reduction, and improving operations.
Vimal has over 29 years of experience in international banking including trade finance, forex operations, credit management, and branch management. He is seeking a senior role in banking or finance in Chennai. He has a B.Com and CAIIB and is proficient in English, Tamil, and Hindi.
Meenal Gupta has over 5 years of experience in credit and finance roles. She currently works as a Manager of Credit and Finance at HDFC Bank, where she is responsible for credit appraisal, due diligence, risk analysis, portfolio monitoring and ensuring regulatory compliance. Prior to this, she worked as Finance Manager and Assistant Finance Manager for two companies, where her responsibilities included loan procurement, financial analysis, forecasting, and relationship management. She holds an MBA in Finance with international exposure in London and New York City.
Mahesh Kulkarni is a banking professional with over 15 years of experience in corporate banking, branch banking operations, client servicing, and relationship management. He is currently an Assistant Vice President in the Financial Crime Management Department at Axis Bank, where he investigates fraud cases and ensures statutory compliance. Previously, he worked in Axis Bank's Stressed Assets Department, handling NPA accounts. He is seeking a leadership role utilizing his expertise in areas such as corporate banking, risk analysis, and strategic planning.
G. Suresh is a retired professional with over 37 years of experience. He most recently served as Chief General Manager at the National Highway Authority of India from 2009 to 2015, where he handled matters related to finance, accounts, PPP projects, and policy. Prior to that, he spent over 21 years at Canara Bank in various roles related to project finance, credit operations, and administration. He holds an MBA in finance, CAIIB, LLB, and B.Sc and is proficient in several languages.
Pravin Dashrath Sawant has over 13 years of experience in residential mortgage lending, customer relations, underwriting, and policy formations for affordable housing finance. He currently works as a Senior Credit Manager for Aspire Home Finance, where he is responsible for underwriting cases up to Rs. 20 lacs, training other employees, and ensuring portfolio quality. Previously, he held credit-related roles at HDB Financial Services, Mahindra Home Finance, Indusind Bank, and HDFC Ltd. Pravin possesses a Bachelor's degree in Commerce and is currently pursuing an MBA in Finance.
Syed Shahid Raza has over a decade of experience in accounting, finance, operations and administration in the trading and wellness industries. He holds a B.Com from Ranchi University and is pursuing CMA and MBA degrees. His work experience includes positions as an audit assistant, senior audit executive, accountant, branch accountant, senior accounts and administration officer, and currently as accounts and administration manager at a fitness center and spa. His responsibilities have included maintaining books of accounts, preparing tax statements and returns, payroll, and ensuring statutory compliance. He aims to gain expertise in finance and become a valuable asset with his skills and knowledge.
Moorthy Govindarajan has over two decades of experience in banking operations including branch banking and back office operations. He has worked with several major banks such as State Bank of India, IndusInd Bank, Royal Bank of Scotland, Deutsche Bank, and National Australia Bank. His experience includes various transaction banking functions like payments, trade, cash management, and accounts. He has expertise in risk management, regulatory compliance, process improvement, audits, and managing teams. Currently, he is seeking a role utilizing his extensive experience in banking operations, risk controls, and leadership.
This document provides a summary of Murugan Babu T's professional experience and qualifications. He has over 21 years of experience in banking, currently serving as Regional Head-Sales for Enterprises Credit at ICICI Bank. Previously he held several branch management roles at both ICICI Bank and Canara Bank, successfully growing business and achieving targets. He seeks a senior managerial role utilizing his expertise in areas like credit administration, trade finance, profit center operations, and client relationship management.
This resume is for Nitin Kumar, who has over 10 years of experience in banking with a focus on credit. He holds a B.Com degree and several banking certifications. His experience includes assessing corporate and MSME loan proposals, managing loan portfolios, and ensuring regulatory compliance at various banks like Union Bank of India, IDBI Bank, and Bank of Maharashtra. Currently he is a Senior Manager at Union Bank of India, where he appraises credit proposals and oversees a loan portfolio of over Rs. 2,300 crores. He aims to take on more leadership roles involving credit, risk, and treasury functions.
Aparna Thakur has over 10 years of experience in banking operations including branch management, account opening, KYC compliance, forex transactions, and customer service at various banks such as Indusind Bank, Standard Chartered Bank, HDFC Bank, and Bank of Punjab. She holds an MBA in finance and has experience in human resources functions such as training coordination and employee database management. Currently she is working as a Manager of Customer Service and Branch Operations at Indusind Bank in Bandra, Mumbai.
Ashok Kumar Setia has over 39 years of experience working in various roles at Punjab National Bank, India's largest government bank. He has extensive experience managing branches, conducting audits, handling loans, recoveries, and complying with all regulatory requirements. Some of his achievements include receiving awards for initiatives like Jandhan accounts and settling non-performing assets. He holds a B.Sc degree and has completed the C.A.I.I.B exams.
Ashok Kumar Setia has over 39 years of experience working in various roles at Punjab National Bank, India's largest government bank. He has extensive experience managing branches, conducting audits, handling loans, recoveries, and complying with all regulatory requirements. Some of his achievements include receiving awards for initiatives like Jandhan accounts and settling non-performing assets. He holds a B.Sc degree and has completed the C.A.I.I.B exams.
Mohit Mehta is a manager with 9 years of experience in working capital management, trade finance, and banking operations. He has in-depth knowledge of cross-border trade regulations and proficiency in short-term financing. At his current role at Essar Steel India Limited, he leads a team that arranges financing, monitors cash flows and budgets, and ensures compliance. Previously he has experience in export documentation, back office work, and handling letters of credit, buyers' credit, and bank liaising. He holds an MBA and has attended various seminars in international credit risk, trade finance, and customs regulations.
Govvinda Rao K A is seeking a challenging position in commercial banking utilizing over 24 years of experience in trade finance and banking. He has extensive experience in various roles including branch manager, managing diverse workforces, and growing business. As a rural branch manager, he quadrupled business to $400 million through customer profiling and identifying growth opportunities. He is skilled in trade finance, relationship building, and compliance.
Vaibhav Pathak is a banking professional with over 16 years of experience, currently working as the Assistant Vice President and Branch Manager at HDFC Bank in Nadiad, Gujarat. He has a proven track record of growing branch assets and achieving targets. His expertise includes managing banking operations, client relationships, and teams. Previously he held branch manager and operations roles at IndusInd Bank and has strong skills in auditing, compliance, and using various banking software.
This document provides a summary of Sanjay Kumar Das's career experience and qualifications. He has nearly 24 years of experience in branch management, trade finance, forex, and treasury operations. Currently seeking a challenging role in trade finance, forex, or treasury. Educational background includes a B.Sc. from Calcutta University and CAIIB certification. Extensive experience includes roles at Axis Bank and State Bank of India managing branches, forex operations, and treasury departments. Well-versed in all aspects of trade finance, forex, and treasury with a proven track record of achieving targets and streamlining processes.
- Deepak Ranjan Swain is seeking a responsible position in banking and finance that allows him to utilize his skills and experience.
- He has over 7 years of experience working in ICICI Bank and Geo Logging Industries in roles such as Assistant Manager, Business Development Executive, and Senior Officer.
- He holds a Bachelor's degree in Arts from Berhampur University and a Post Graduate Diploma in Banking and Financial Services from IFBI.
- Thapaswini Prabhu seeks a position in banking with over 6 years of experience in credit documentation, forex operations, and client relationship management.
- She has a strong track record of managing business banking clients and credit portfolios, ensuring quality and compliance.
- Prabhu has extensive experience in relationship management, credit administration, and forex operations with IndusInd Bank and ICICI Bank.
Sanjay Suresh Khanvilkar is seeking a position in corporate finance with a growth-oriented team. He has over 15 years of experience in finance roles, including his current role as Team Lead of Credit Control at DB Schenker India Pvt. Ltd. where he is responsible for monthly recovery targets and ensuring timely receivables. He has also held finance roles at Logistic Integrators, Jet Airways, and HDFC Bank. Sanjay has an MBA in Finance and Masters in Commerce, and seeks to utilize his strong interpersonal and financial skills.
1. CURRICULUM VITAE
K. Ramaswamy
Flat No.3, Door No.4 Tel. No. 91 44 28344601
Tripura Apartments, Giri Road Mobile No. 93440 11086
T. Nagar, Chennai 600 017 e-mail id: ramesh959@gmail.com
Tamilnadu, India.
Objective To become an Executive in a prestigious Bank /
Financial Institution.
Date of birth 26.06.1959
Age 55 years
Sex & nationality Male, Indian
Education • B. Com from Madurai University, Tamilnadu
• ICWA, Inter from ICWAI, Calcutta
• CAIIB from Indian Institute of Banking & Finance
Experience HDFC Bank
From April 2015
• Area Credit Manager, Business Banking Working
Capital finance handling Tamilnadu State.
From April 2010 to March 2015
• Senior Manager, Business Banking Working
capital finance handling Chennai and some parts
of Tamilnadu.
From October 2008 to March 2010
• Area Credit Manager, Business Banking Working
capital finance handling Kerala State.
From June 2007 to September 2008
• Senior Manager, Business Banking Working
Capital Finance
Syndicate Bank from February 1983 – June 2007
Asst. Manager and Manager at various branches all
over India
2. BHEL, Hyderabad from November 1982 to February
1983
Accounts Trainee
Present CTC Rs. 12 lakhs per annum
Work Knowledge As per Annexure
Computer literacy Proficient in using MS Word and MS Excel.
Languages known Tamil, English and Hindi.
Other Interests Yoga, Philately, Numismatics and Cricket.
Joining time
required
3 months
(K. Ramaswamy)
A N N E X U R E
WORK KNOWLEDGE AND EXPERIENCE
Present Employer : HDFC BANK LTD
Position Held : AREA CREDIT MANAGER (Business Banking)
From : 1st
April 2015
Present Job Profile:
As supervisor with 5 reportees under me, am handling the entire Business
banking (working capital) portfolio upto exposure of Rs. 5 crores all over
Tamilnadu. Includes interaction with various business verticals such as Branch
banking, Operations, Sales team, Audit team, HR and other verticals required for
regulatory purposes.
Responsible for growth of credit portfolio – quantity as well as quality-wise across
Tamilnadu. Keeping abreast of all industry trends to ensure stability and
feasibility of credit portfolio.
Undertaking extensive tour all over Tamilnadu by meeting high value clients and
keeping the interaction with Branch Managers and Credit Managers in order to
maintain faster decision making and ensure quality of credit proposals.
Monitoring TAT of various vendors like CPAs, panel lawyers and valuers and
ensuring seamless delivery of decisions on credit proposals.
I joined Centurion Bank of Punjab in June 2007 as Credit Manager and was
handling SME (Small and Medium Enterprises) advances. Centurion Bank was
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3. merged with HDFC Bank in April 2008 and I was posted as Area Credit Manager
at Cochin. There I was in charge of the entire Kerala working capital portfolio with
5 reportees under me.
Job Profile of Credit Manager:
As Credit Manager, I appraised credit proposals of SME clients whose annual
turnover is from Rs. 1 crore to Rs. 200 crores. I also have delegated approval
powers for sanctioning loans upto Rs. 2.00 crores.
• Includes analysis of financials, assessment of working capital / term loan /
mortgage loan needs and recommending to higher authorities for
approvals.
• Have processed more than 500 proposals of various exposures ranging
from Rs. 5 lacs to Rs. 5 crores with a TAT of 0 to 7 days.
• Have exposure in various types of industries such as textiles, foundries,
iron & steel, chemicals, machinery manufacturers, wholesale and retail
merchants, leather, contractors, FMCG, Software industries etc.
• Post-sanction monitoring of credit disbursed.
• Ensuring timely stock audits and following up any discrepancies and
getting them rectified.
• Conversant with LC and Bank Guarantee issues, LC Bill discounting etc.
SYNDICATE BANK – FROM FEBRUARY 1983 TO JUNE 2007
From June 2002 to June 2007 - Regional Office, Coimbatore
Worked as Group Head (Credit) for 28 branches of the Region spanning from
Coimbatore District to Kanyakumari District. Have taken up and processed many
high value projects of textile mills, knit wear companies, windmill installations etc
pertaining to branches at Tirupur, Dindigul, Salem and Rajapalayam. Appraising
high value credit - fund based and non-fund based - is my forte.
Job profile included processing and recommending of credit proposals of more
than Rs.3.00 crores to our Corporate Office for sanction. Apart from processing
of credit proposals beyond Branch sanctioning powers, my responsibilities
include taking note of credit sanctions of Rs.2.00 lacs and above made by
Branch Managers. This is done after thorough verification of the processing done
by the Branch Managers and confirming whether it is in compliance to the credit
policies of the Bank.
The job also involves taking part in fixing of credit targets to branches,
preparation of statistical data pertaining to credit, follow up of stressed assets
and clarifying matters regarding credit to all the branches. Follow up of credit
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4. includes verification of stock statements, maintenance of insurance register, QIS
statements etc.
From 1997 to 2002 – Ahmedabad, Gujarat
Worked as Manager (Credit) in two branches, Paldi and Navrangpura. Was in
charge of entire Credit Department functions in both the above branches. Have
processed and handled high value proposals of several major manufacturing and
trading concerns. Was thoroughly exposed to various credit matters regarding
pre-sanction appraisal and post-sanction follow up.
From 1994 to 1997 – Madurai, Tamilnadu
As Asst. Manager, I was looking after the operations side of banking which
includes opening of all types of Deposit Accounts, precautions to be taken while
issuing receipts, KYC norms, TDS formalities, NRE/FCNR accounts etc. Worked
for a brief period in credit and recovery department. Was in charge of all internal
control matters of the branch.
From 1987 to 1994 – Tiruchirapalli, Tamilnadu
Was in charge of Credit Department in Tiruchirapalli Main branch apart from
working in the operations side like deposits, daybook, Accounts too. Had a
thorough exposure to lending under various Government sponsored schemes.
Completed my rural posting at Amoor branch (Trichy Dist.) where I was the lone
Officer handling the entire operations, credit and internal control.
From 1983 to 1987 – Meerut, Uttar Pradesh
Joined as a direct recruit of 1983 batch as a Probationary Officer in the Bank.
Worked as Asst. Manager looking after the whole of deposits section and the
other routine operations of the branch.
AREAS OF EXPOSURE
Credit
Analyzing the proposals by applying various parameters to ascertain the quality
of proposals, Balance Sheet Analysis, Financial Ratio analysis, Sensitivity
Analysis, Pre-sanction appraisal, Post-sanction follow-up, preparing CMA data,
arriving at the Term Loan/Working Capital components based on different
4
5. methods of lending, issue of Bank Guarantees and LCs, formalities to be
complied with for different type of loans are my key areas of functioning.
Quite conversant with Consortium lending, Syndication, verification of stock in
respect of stocks hypothecated to us, fixing D.P, matters to be taken up with
Registrar of Companies with regard to charge creation etc.,
Operations
Quite conversant with the formalities relating to operational side of the banking
operations which includes opening of all types of Deposit Accounts, precautions
to be taken while issuing receipts, KYC norms, TDS formalities, NRE/FCNR
accounts etc.
Foreign Exchange
In the field of Foreign Exchange, I have a good exposure in the following
departments:
a) Remittances both inward and outward
b) Sending the bills for export and import bills for collection.
c) Opening of Import LC
d) Negotiation / Discounting of bills.
IMPORTANT TRAINING PROGRAMMES ATTENDED:
• Training on Trade Finance and Foreign Exchange regulations.
• Workshop on Risk Management – Basel II norms
• Risk Assessment Model of CRISIL
• Training for Core Credit Officers handling high value proposals.
• External training on Foreign Exchange conducted by Reserve Bank of
India.
• On-the-job FX training at Surat Main branch of Syndicate Bank.
* * * * * * * * * *
5
6. methods of lending, issue of Bank Guarantees and LCs, formalities to be
complied with for different type of loans are my key areas of functioning.
Quite conversant with Consortium lending, Syndication, verification of stock in
respect of stocks hypothecated to us, fixing D.P, matters to be taken up with
Registrar of Companies with regard to charge creation etc.,
Operations
Quite conversant with the formalities relating to operational side of the banking
operations which includes opening of all types of Deposit Accounts, precautions
to be taken while issuing receipts, KYC norms, TDS formalities, NRE/FCNR
accounts etc.
Foreign Exchange
In the field of Foreign Exchange, I have a good exposure in the following
departments:
a) Remittances both inward and outward
b) Sending the bills for export and import bills for collection.
c) Opening of Import LC
d) Negotiation / Discounting of bills.
IMPORTANT TRAINING PROGRAMMES ATTENDED:
• Training on Trade Finance and Foreign Exchange regulations.
• Workshop on Risk Management – Basel II norms
• Risk Assessment Model of CRISIL
• Training for Core Credit Officers handling high value proposals.
• External training on Foreign Exchange conducted by Reserve Bank of
India.
• On-the-job FX training at Surat Main branch of Syndicate Bank.
* * * * * * * * * *
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