This document is a summer internship project report submitted by Nitin C. Lasunte to Rastrasant Tukadoji Maharaj Nagpur University. It examines the general banking and finance practices at Nagpur Nagarik Sahakari Bank Ltd. in Nagpur, India. The report includes sections on the bank's management structure, various deposit schemes like savings accounts and current accounts, services offered, research methodology, financial analysis, data analysis, and conclusions and recommendations. It was prepared under the supervision of Prof. Bhavesh Agrawal during Nitin's MBA program at Nagpur Institute of Technology.

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A Summer Internship Project Report
On
“GENERAL BANKING AND FINANCE AT NAGPUR NAGRIK
SAHAKARI BANK LTD. NAGPUR”
Submitted To
Rastrasant Tukadoji Maharaj Nagpur University, Nagpur
For The Award of Credit of SIP Done During
Master of Business Administration
Third Semester
Prepared by:
Nitin C. lasunte
SIP Supervisor
Prof. Bhavesh Agrawal
2017-2018
NAGPUR INSTITUTE OF TECHNOLOGY
Department of Management Technology

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NAGPUR INSTITUTE OF TECHNOLOGY
DEPARTMENT OF MANAGEMENT TECHNOLOGY
SESSION 2016-2017
CERTIFICATE
Certified that the project title General Banking and Finance at Nagpur
Nagarik Sahakari Bank Ltd. Nagpur is a bonafide work done under my guidance
by third semester student of this institute and submitted to Rastrasant Tukadoji
Maharaj Nagpur University, Nagpur for the portal fulfillment of the requirement
for the award of degree of Master of Business Administration.
Projectee
Nitin C. Lasunte
Project Guide
Prof. Bhavesh Agrawal
Head of Department
Prof. Rvikant Wairagade
NAGPUR INSTITUTE OF TECHNOLOGY, NAGPUR

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ACKNOWLEDGEMENT
With profound feeling of immense gratitude and affection, I would like to
thank my guide Prof. Bhavesh AgrawalSir for his countinuous support,
mptivation, enthusiasm and guidance. Hisencouragement, supervision with
constructive criticism and confidence enabled me to complete this project.
I also put forth my deepestsense of gratitude towards Dr.PRASHANT
KADU, Principle for constant motivation and providing necessary infrastructure.
Finally, a special thanks to all the faculty members of the epartment for their
cooperation throughout the project work.
Projectee
Nitin C. Lasunte

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DECLARATION
The project title “GENERAL BANKING AND FINANACE” AT NAGPUR
NAGRIK SAHAKARI BANK LTD NAGPUR is my own work carried out under
the guidance of Prof. Bhavesh Agrawal Nagpur. As far as my knowledge, this
work in the same form or any other form is not submitted by me or anyone else for
award of any degree.
Projectee
Nitin C. Lasunte

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INDEX
Sr. No. Title Page No.
1. NNSB BANK – COMPANY INFORMATION 6
2. MANAGEMENT OF ORGANISATION 11
3. DEPOSIT SCHEAM 15
4. SERVICE OFFERD 18
5. RESEARCH METHODOLOGY 24
6. FINANCIAL ANALYSIS 27
7. DATA ANALYSIS 32
8. CONCLUSION 40
9. RECOMMENDATION 42
10. BIBLIOGRAPHY 44

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Chapter - 1
Company
Information

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WHAT IS BANKING?
Banking is a traditional sense is the business of accepting deposits of maney for the
purpose of lenfding and investment. These deposits can have a distinct feature like being
withdrawn able by cheque. Which no other financial institution can offer. In addition, banks also
offer financial services, which include the issue of demand draft & traveler cheque. Credit card
collection of cheque bill of exchange, Safe deposit lockers custodian services, investment and
insurance services. The business of banking is highly regulated since banks deal with money
offered to them by the public and ensuring the safety of this public money is one of the prime
responsibilities of any bank. That is why banks are expected to be prudent in their leading and
investment activities. Every bank has a compliance department, which is responsibility ensure
that all the servicers pffered ny the bank, and the processes followed are in compliance with the
local regulations and rthe Banks corporate policy.
The major regulation and act govern the banking business are :-
Banking Regulation Act, 1949
Foreign Exchange Management Act, 1999
Indian Contract Act, Negotiable Instrument Act, 1881
Bank lends money either for productive purpose to individual, firms, Corporate etc. for buying
house property, cars and other consumer durables and for investment purpose to individual and
the others. However, banks do not finance any speculative activity. Lending is risk taking. The
depositors of banks are also assured of safety of their money by deploying some percentage of
deposits in statutory Reserves like SLR & CLR.

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History
Nagpur Nagarik Sahakari Bank is one of the oldest and leading Cooperative bank in
Vidarbha. With the collective efforts by some of the devoted members of cooperative movement,
on the auspicious day of "Vijayadashmi" in the year 1962. Nagpur Nagarik Sahakari Bank's first
branch was started in Gandhibagh area of Nagpur.
The Bank started with a meager capital amount of Rs. 26000/- and has grown to a capital
base of Rs. 1493.46 lac with 60521 members as on 31st March, 2010. The Bank was awarded
Scheduled bank status on 22nd May 1999 after fulfilling the criteria of desired deposit base. The
bank has also acquired Multistate Scheduled Bank status on 21st March 2001. Today, the area of
operation of the bank is entire state of Maharashtra , Madhya Pradesh and Raipur, Durg in the
state of Chattisgarh.
The Bank has adopted models Bye-Laws of Multistate Cooperative Societies on approval w.e.f
Dt 17/12/2004.
The Bank has 43 Nos of fully computerized branches with one Service branch and Head
Office. Out of the above, the bank own's premises for its 15 branches with modern interiors.

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Establishment :- 20.06.7962
(M.S.Co. Act 1960)
Bank License No/ date :- Dt. 21.03.2001
M.S.C.S./C.R/126/2001 UBD/MM/959-P
RBI’s License No Date Dt. 7 January 1988
Bank Workspace :- Maharastra, Madhyapradesh, And
Chhattisgarha
Total Branches With :- 43 Branches
Head Office
(Rs in lacs)
Share Capital :- 2415.33
Reserve &Sessions :- 12707.24
Deposit. 35496.29 Saving Account
Rs. 112499.06. 11880.62 Current Account
65188.16 Term Deposit A/c
Loan Distribution. :- 58535.05 With Lease
1509.18 Without Lease

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Gross NPA/ Net NAP :- 8110.92 /3473.37
NPA Percentage ( Gross ) :- 13.51%
NPA Percentage(Net) :- 6.27%
Profit :- 363.38
Working Capital :- 129455.05
C. R. A. R. % :- 16.59%
Total Employees :- 429

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Chapter - 2
Organization
Structure

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ORGANIZATION STRUCTURE
Directors
Chief Executive Officer
Asst. Chief Executive Officer
Admn. Dept. A/c. Dept. Loan Dept. Audit Dept.
Officer Officer Loan Officer Officer
Clerk Officer Junior Officer Clerk
Typist Clerk Inspector Peon
Peon Peon Clerk Peon
Peon

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Board of Directors
Sr.No. Name Post
1. PROF. SHRI SANJAY BHENDE CHAIRMAN
2. SHRI. RAJESHLAKHOTIYA VICE CHAIRMAN
3. SHRI RAVINDRA BOKARE DIRECTOR
4. SHRI NILKANTHARAO DEWANGAN DIRECTOR
5. SHRI GIRISH VYAS DIRECTOR
6. SHRI TUSHAR DABLE DIRECTOR
7. SHRI WASUDEV MALOO DIRECTOR
8. SHRI TUSHAR SAVLA DIRECTOR
9. SAU. POONAM CHANDAK DIRECTOR
10. SHRI ANUP SAGDEV DIRECTOR
11. SHRI SANAJY THAKAR DIRECTOR
12. SHRI ASHOK AGRAWAL DIRECTOR
13. SHRI HEMANT CHAFALE DIRECTOR
14. SHRI HEMANT PASARE DIRECTOR
15. SHRI ANIL GOVINDANI DIRECTOR
16. SAU. SUPRIYA PUNATAMBEKAR DIRECTOR

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PROGRESS AT GLANCE
Financial
Highlights
Year
Ended
31.03.2011
Year
Ended
31.03.2012
Year
Ended
31.03.2013
Year Ended
31.03.2014
Year Ended
31.03.2015
Year Ended
31.03.2016
Authorised
Capital
200000000 500000000 500000000 500000000 500000000 500000000
Subscribed
Capital
183359500 210921900 232410850 238312650 241059350 237175700
Reserve
Fund
575238171 643206209 983479953 1087641232 1430364067 1215243606
Deposits 7111525630 7760488550 8590226641 8853951456 10005566304 10718793039
Advances 4322265369 5187656381 5694555238 5385334051 5634277402 5154519957
Net profit
after tax
30200527 60920580 107394732 72213814 103104068 25747906
Net NPA 1.86% 2.28% 3.21% 8.93% 7.3% 9.95%
Gross NPA 9.61% 9.11% 9.81% 15.79% 18.57% 16.63%
Capital
Adequacy(%)
12.54% 11.88% 15% 16.87% 20.75% 21.22%
Number of
Branches
33 33 33 33 39 45
Number of
Employees
476 456 446 423 434 450

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Chapter – 3
Deposit Schemes

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DEPOSIT SCHEMES
A. Saving Account:-
Savings Account at The Nagpur Nagarik Sahakari Bank comes with banquette of facilities &
services at no extra charge to the Customers. Eligible person/s and eligible organizations or
agencies as approved can open Savings Account with the Bank. Savings Account can be opened
with Rs.1000/- and minimum balance to be kept in the Account is Rs.1000/- only. Amount can
be withdrawn from Savings Account by way of cheques or withdrawal slips. Interest is paid half
yearly on Savings Account at 3 % p.a. w.e.f 01.01.2017 fixed by Reserve Bank of India
· Eligibility – Savings Account can be opened in the name of Individuals Singly or Jointly or by
minors of the age 10 years or above or under natural / legal Guardianship or by an illiterate or
blind person. Documents Required – Duly filled in Account Opening Form with valid residential
proof, PAN Number, 1 photograph and introduction by existing account holder of the Bank
· Minimum Balance – Account holder is required to maintain minimum balance of Rs.1000/ in
the account.
Facility Offeres
o 40 Cheque Leaves in a Year
o ATM Card Facility with withdrawal Limit of Rs.40,000/-
o Any Branch Banking Facility throughout all Branches of the Bank for operations in Savings /
Term Deposit Accounts.
o SMS banking facility for Balance Inquiry, Statement Details, Transaction Alerts
o Nomination Facility
o Internet Banking

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B. CURRENT ACCOUNT :-
Current Accounts can be opened by Businessmen / Proprietorship / Partnership Firms / Public or
Private companies requiring to do multiple or numerous business transactions. Customer can
deposit or withdraw the amount as many times required. Minimum Balance to be maintained is
Rs.2000/- in the account.
· Eligibility – Current Account can be opened by Businessmen /Proprietorship / Partnership
Firms /Public or Private companies to be operated by Authorized Signatories.
· Documents Required – Duly filled in Account Opening Form with valid residential proof, PAN
Number, Registration Certificate, Partnership Deed, Memorandum of Association as the case
may be.
Facility Offered
o ATM Card Facility with withdrawal Limit of Rs.40,000/- for Proprietary Accounts
o Any Branch Banking Facility through out all Branches of the Bank for operations in Current
Accounts.
o SMS banking facility for Balance Inquiry, Statement Details, Transaction Alerts
o Internet Banking

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Chapter - 4
Service Offered

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SERVICE OFFERED
DEPOSITS:-
Nagpur Nagarik Sahakari Bank Ltd Nagpur offers wide variety of Deposit Products to
suit your requirements. Coupled with convenience of networked branches/ ATMs and
facility of E-channels like Internet and Mobile Banking, Nagpur Nagarik Sahakari Bank
brings banking at your doorstep. Select any of our deposit products and provide your
details online and our representative will contact you for Account Opening.
Savings Account
Nagpur Nagarik Sahakari Bank offers you a power packed Savings Account with a host
of convenient features and banking channels to transact through. So now you can bank
at your convenience, without the stress of waiting in queues.
Life Plus Senior Citizen services
We understand that as you reach the age to retire, you do have certain concerns,
whether you’re hard earned money is safe and secure, whether your investments give
you the kind of returns that you need. That's why we have an ideal Banking Service for
those who are 60 years and above. The Senior Citizen Services from Nagpur Nagarik
Sahakari Bank has several advantages that are tailored to bring more convenience and
enjoyment in your life.
Young Stars it’s really important to help children learn the value of finances and
money management at an early age. Banking is a serious business, but we make
banking a pleasure and at the same time children learn how to manage their personal
finances.
Fixed Deposits
Safety, Flexibility, Liquidity and Returns!!!! A combination of unbeatable features of
the Fixed Deposit from Nagpur Nagarikl Sahakari Bank.

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Recurring Deposits
When expenses are high, you may not have adequate funds to make big investments.
But simply going ahead without saving for the future is not an option for you. Through
Nagpur Nagrik Sahakari Bank Recurring Deposit you can invest small amounts of
money every month that ends up with a large saving on maturity. So you enjoy twin
advantages- affordability and higher earnings.
Easy Receive Account
Easy receive account is a unique account that caters to the domestic banking needs
while offering additional benefits for remittances received in the account.
LOANS:
Nagpur Nagrik Sahakari Bank offers wide variety of Loans Products to suit your
requirements. Coupled with convenience of networked branches/ ATMs and facility of
E-channels like Internet and Mobile Banking, Nagpur Nagrik Sahakari Bank brings
banking at your doorstep. Select any of our loan product and provide your details online
and our representative will contact you for getting loans.
Home Loans
The No. 1 Home Loans Provider in the country, Nagpur Nagrik Sahakari Bank Home
Loans offers some unbeatable benefits to its customers - Doorstep Service, Simplified
Documentation and Guidance throughout the Process. It's really easy!
Nagpur Nagrik Sahakari BankIf you're looking for a personal loan that's easy to get,
your search ends here. Nagpur Nagrik Sahakari Bank Personal Loans are easy to get
and absolutely hassle free. Maximum limit in this type of facility will be as per
guidelines of RBI or the Board Of Our Bank
Car Loans
The No. 1 financier for car loans in the country. Tie-ups with all leading automobile
manufacturers to ensure the best deals. Flexible schemes & quick processing. Hassle-
free application process on the click of a mouse.

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Commercial Vehicle Loans
Range of services on existing loans & extended products like funding of new vehicles,
refinance on used vehicles, balance transfer on high cost loans, top up on existing loans,
Xtend product, working capital loans & other banking products.
Two Wheeler Loans
Avail attractive schemes at competitive interest rates from the No 1 Financier for Two
Wheeler Loans in the country. Finance facility upto 90% of the On Road Cost of the
vehicle, repayable in convenient repayment options and comfortable tenors from 6
months to 36 months. Ride home on your Dream Two Wheeler with our hassle free
finance.
INVESTMENTS:
At Nagpur Nagrik Sahakari Bank, we care about all your needs. Along with Deposit
products and Loan offerings, Nagpur Nagrik Sahakari Bank assists you to manage your
finances by providing various investment options ranging from Nagpur Nagrik Sahakari
Bank Tax Saving Bonds to Equity Investments through Initial Public Offers and
Investment in Pure Gold.
Nagpur Nagrik Sahakari Bank facilitates following investment products:
1. NNSB Bank Tax Saving Bonds
2. Government of India Bonds
3. Investment in "Pure Gold"
4. Senior Citizens Savings Scheme,
You can invest in above products through any of our branches. For select products
NNSB Bank also provides the ease of investing through electronic channels like ATMs
and Internet

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CARDS:
Nagpur Nagrik Sahakari Bank offers a variety of cards to suit your different
transactional needs. Our range includes Debit Cards. These cards offer you
convenience for your financial transactions like cash withdrawal, shopping and travel.
These cards are widely accepted both in India and abroad. Read on for details and
features of each.
Debit Cards
The Nagpur Nagrik Sahakari Bank Debit Card is a revolutionary form of cash that
allows customers to access their bank account around the clock. The Nagpur Nagrik
Sahakari Bank Debit Card can be used for shopping
Mobile Banking
Bank on the move with Nagpur Nagrik Sahakari Bank Mobile Banking. With Nagpur
Nagrik Sahakari Bank, Banking is no longer what it used to be. Nagpur Nagrik Sahakari
Bank offers the Mobile Banking facility to all its Bank, Credit Card, Demat and Loan
customers. Nagpur Nagrik Sahakari Bank Mobile Banking can be divided into two
categories of facilities:
Alert facility:
The Nagpur Nagrik Sahakari Bank Mobile Banking Alert facility informs you promptly
of the significant transactions in your accounts. It keeps you updated wherever you go.
Banks Functionalities:
 Account Balance
 Mini Statement
 Cheque Book Request
 Cheque Status enquiry
 Stop Cheque Payment

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Card Functionalities:
 Outstanding Balance
 Details of Last Statement
 Details of Last Payment
 Last five Transactions
Others:
 Lost/Replacement card
 ATM pin re-issue
 Standing Instructions
 Complaints and suggestions
ATM
Nagpur Nagrik Sahakari Bank's 24 Hour ATM network is one of the largest and most
widespread ATM Network in India. Our ATMs are located in commercial areas,
residential localities. Nagpur Nagrik Sahakari Bank ATMs features user-friendly
graphic screens with easy to follow instructions. We have introduced ATMs which
interact with customers in their local language for increased convenience.

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Chapter – 6
Research
Methodology

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RESEARCH METHODOLOGY
Research is the application of scientific method to add the present pool of knowledge.
Financial research is a systematic design, collection and analysis of data and finding relevance to
specific financial aspect of the Bank. Data are facts, figures & other relevant material, for study
& analysis.
Data is primary of two kinds :-
Primary Data
Secondary data
Primary Data :-
Data that is collected fot the specific purpose at hand is called as primary
data
Primary data colledtion methods can also be classified as :
I. Observation
II. Interviewing
III. Experimentation
IV. Simulation
V. Projective technique

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Secondary Data :-
Any data that is available prior to the commencement of the research
project is secomndary data and there for secondary data is also called as historical data.
Secondary dad collection saves valuable time, effort and money.
Source of Secondary Data :
Source of secondary data can be classified as –
I. Published Sources
II. Unpublished Sources
For my project Financial Analysis, I used secondary data of Nagpur Nagrik Sahakari
Bank.
The data is collected through financial statement like :
a) Annual Report
b) Balance Sheet
c) Profit & Loss
Along with the above sources the interaction with official of the Bank like manager of
Account section also revised some useful information and guidance required for project report.
Financial analysis itself is technique to assess the financial soundness of the bank.
Method like comparisons ration analysis, trend analysis, fund flow analysis also help to study the
financial analysis& interpretation of the bank.

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Chapter – 6
Financial Analysis

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Financial Analysis
The basis for financial analysis planning and decision making is financial information.
A business firm prepares its final account viz. balance sheet, profit and loss account which
provides useful financial information for the purpose of decision making. Financial information
is needed to predict, compare and evaluate the firm’s earning ability. The former statement viz.
profit and loss account shows the balance value of the acquired assets and of liability at
particular points of time.
However these statements do not described all of the necessary and relevant
information. For the purpose of obtaining the material and relevant information. For the purpose
of obtaining the material and relevant information necessary for ascertaining the financial aspects
of business firm. It may show position at a moment of time as in the case of balance sheet or may
reveal a series of activity over a given period of time as in the case of an income statement.
Meaning :-
The financial statement is an organization collection data according to logical and
consistent according procedure. Its purpose is to convey an understanding of some financial
aspect of business firm. It may show position at a moment of time as in the case of an income
statement.
Thus financial statement generally refers to two basic statements
Income statement and
Balance Statement of course a business may also prepare
Statement of retained earnings and
Statement of changes in financial position addition to the above two Statement.
Income Statement:- (Profit And Loss Account) :-
The income statement considered to be the most useful of all financial statement.
It explains what was happened to business as a result of operation between two balance
sheet dates. For this purpose it matches the revenues and cost incurred in the process of
earning revenues and shows the net profit earned or loss suffered during a particular
period.

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Balance sheet:-
It is a statement a financial position of a business at specified moments of time. It
represents all assets owned by the business at a particular moments of time and claim of
the owner and out standers against those asset at the time it is in a way snapshot of the
financial condition of the business at that time.
Share Capital:-
There has been an increase in the paid up share capital by Rs. 43.27 lac during the
financial year 2016-17.
Reserve and Other Funds:-
There has been increase in the reserve and other funds by Rs.554.80 lacs during
the financial year 2016-17.
Deposits:-
There is an increase of Rs. 5311.14 lacs (4.95%) in deposits as compared to last
year
Advances:-
There is increase of Rs. 8499.03 lacs (16.49%) in advances as compared to the
last year. The bank has disbursed loan to the extent 49.03% of its total loans to priority
sectors and 11.21% to weaker section as on 31st March 2017.
Statement Of RetainedEarnings:-
The term retained means the accumulated excess of earning over losses and
dividends. The balance shown by income statement is transferred the balance sheet
through this statement. After making necessary appropriation it is true a connecting link
between balance sheet and income statement. It is fundamentally a display of thing that
have caused the beginning of the period retained earning balance to be changed in to the
one shown in the end of the period of balance sheet.

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Statement Of Changes In Financial Position: -
The balance sheet showed the financial condition of the business at a
particular moment of time while the income statement disclose the result it of operations
of business over a period of time. However for better understanding of the affairs of the
business it is essential to identify the moment of working capital of cash in and out of the
business. This information is available in the statement of changes in financial position of
the business. The statement may emphasize any of the following aspects relating to
change in financial position of the business.
1) Changes in the firm’s working capital
2) Changes in the form’s cash position
3) Changes in the firm’s total financial position.
Nature Of FinancialStatement:-
According to the American Institute of certified public accountant, financial
statement reflects a combination of receded facts, according conventions and personal judgment,
and the conventions and personal judgment.
1) RecordFacts:-
The term recorded facts means facts which have been recorded in the
accounting books which have not been recorded in the financial books are not depicted in
financial statements. However material, for example fixed asset are shown at cost
irrespective of their market or replacement price since such price is not recorded in the
books.
2) Accounting convention:-
Imply certain fundamental accounting principle which has been satisfied
by long usage. For example on account of the conventions of conservatism provision is
made for expected losses but expected profit are ignored this means that the real financial
position of the business may be much better than what has been shown by financial
statement.

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3) PersonalJudgment:-
Personal Judgment has also an important bearing on the financial
statement for example; the choice of selecting methods of depreciation lies on the
account similarly the mode of amortization of fictitious assets also depends on the
personal judgment or the accounting.
4) IgnoreSubstance:-
Financial statements in India are prepared and presented in the form as
prescribed by law. As a result many substantial facts go unrecorded for examples the
assets taken by an organization on financial lease basis are not shown In the balance sheet
through they are used for revenue generation.
5) Over Generalization:-
Financial statement present data in a generalized and not as per the
requirement of specific users viz. share holder, employees, government potential investor,
they ca not meet the specific data requirement of the users. They are only general purpose
statement.

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Chapter – 7
Data Analysis

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Profit And Loss Account Statement

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Profit And Loss Account Statement

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Non SLR Investment Portpholio
Non SLR Investment Portpholio
Non Performance Non SLR Investment
Sr.
No. Particulers
Investment
(Rs)
Provision
Held
1 Nagpur DCC 2500100 2500100
2 Bank DCCBank,Dondaicha 139600 139600
3 Dondaicha Sahakari Audyogik Vasahat 5000 5000
4 Nagrik Sahakari Rugnalay 1100 1100
5 Madhya Pradesh State Financial Corporation 500 500
Total 2646300 2646300

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Financial Position
Sr.
No.
Particular 2016-17 2015-16
Increase /
Decrease
1 No Of Share Holder (Excluding Nominal) 70804 69547 1257
2 Libilities
Paid Up Capital 2415.33 2371.76 43.57
Reserve And Other Funds 12707.24 12152.44 554.8
Total Owned Fund 15122.57 14524.2 598.37
Deposits including Other Deposites) 112499.07 107187.93 5311.14
Borrowing - - 0
3 Assets
Unsecured Loan 1523.58 1444.75 78.83
Secured Loan 58520.65 50100.45 8420.2
Total Loan And Advances 60044.23 51545.2 8499.03
investment 54646.1 56769.49 2123.03
Working Capital 129455.05 123275.82 6179.23
4 Profit During The Year
Net Profit Before Provision For Tax, BDDR 1107.06 499.33 607.73
(-) Provision For Standard Assets & BDDR
Reserve 300 100 200
(-) Provision For Income Tax & Deferred
Tax 443.68 141.85 301.83
Net Profit After Tax & Provision 363.38 257.48 105.9
Other
5 Board Of Directors & Relative Loans 8.05 0.14 7.19
6 Proiority Sector Loan 29439.23 22715.21 6724.02
7 % Of Priority Sector Loan 49.03% 40.32% 0.09%
8 Weaker Section Loan 6733.34 5751.97 981.37
9 % Of Weaker Section Loan 11.21% 10.21% 0.01
10 No Of Branches 42+1 45+1

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Financial Position

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Business Ratio
Business Ration All Figures Lacs
Sr.
No.
Particular Units 2016-17 2015-16
1
Interest Income As A Percentage To
Working Funds
% 7.50% 7.91%
2
Non Interest Income As A Percentage To
Working Funds
% 1.29% 3.43%
3
Operating Profit As A PercentageTo Working
Funds
% 0.99% 0.53%
4 Returns On Assets % 0.28% 0.21%
5
Business (Deposits Plus Advances) Per
Employee
RS
Lacs
402.2 352.74%
6 Profit Per Employee
RS
Lacs
0.85 0.57%

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Chapter - 8
Conclusion

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CONCLUSION
Training under a prestigious organization like Nagpur Nagarik Sahakari Bank was
more of a knowledge based experience where I came to understand and realize the
working under corporate environment and with team efforts.
I came to realize the application of my managerial studies and come to a conclusion
that training is an essential curriculum of the managerial studies and one must go
through for his clear understanding of the topics he/she undertook in his previous years
of the management course.
The basic objective of my training was to analyze the Procedure of sanctioning of
services as conducted Nagpur Nagarik Sahakari Bank by bank and its services with
respect to trading in securities and Dematerialization of accounts and what the customer
of today perceive for our services. What significant was the name of the NNSB upon
which people are now imposing their trust and confident and feeling secure in dealing
with NNSB.

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Chapter - 9
Recommendations

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RECOMMENDATIONS
Following can be given as suggestions for the upliftment of the company future growth
and successive track over other competitors:
 There should be a systematic way of documentation and dealing in the matter of
opening of Saving and Current accounts with customers.
 Nagpur Nagrik Sahakari Bank should develop its staff to inculcate to solve
grievances of customers as early as possible and therefore emphasis should be given
to Training & Induction of employees and orientation towards coming scenario and
industrial trends.
 There should be proper handling of customer grievances as well as his deposits and
withdrawal requests should be met as prompt desired.
 A regular track on his performance in making the payment of installations by the
customer as well as to facilitate in troubles due course of guidance and support so
that he may not feel isolated in grief.
 A regular reminder must be send by the company to review his account performance
to him.

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Chapter - 10
Bibliography

44. P a g e | 44
BIBLIOGRAPHY
1. Form Books - N. Nagratnam - Management Accounting
Financial Management &
Holding Company Account
Erich A. Hettert - Techniques Of Financial
Analysis
C. R. Kothari - ResearchMethodology
V. K. Bhalla - Financial Management
Rastogi - Fianacial Management
2. Form Bank Report - Annual Report of Nagpur
Nagrik Sahakari Bank.
3. From Internet - www.nnsbank.co.in