Bankin Project
Bankin Project
Bankin Project
ON
“A STUDY ON ANALYSIS OF FINANCIAL PERFORMANCE
OF PUNJAB NATIONAL BANK”
AT
KAMGAON
SUBMITTED BY
SHRIYA MUKUND SHROTRI
UNDER THE GUIDANCE OF
Dr. MARCELINE FERNANDES
SUBMITTED TO
SAVITRIBAI PHULE UNIVERSITY
IN PARTIAL FULFILMENT OF THE REQUIREMENT FOR THE
AWARD OF THE DEGREE IN
BACHELOR OF COMMERCE (B.COM)
THROUGH
This is to certify that Shriya Mukund Shrotri has successfully completed the
project work entitled,
In partial fulfilment in the award of the degree in B.Com which is laid down by the
Savitribai Phule Pune University for the Academic Year 2021-22.
Date:
I hereby declare that the project report entitled “A STUDY OF ANALYASIS FINANCIAL
PERFORMANCE – a study with special reference to PUNJAB NATIONAL BANK,
KAMGAON submitted for the degree of Master of Commerce, is my original work and it
has not previously formed for the basis for the award of degree. This work is carried out by
me in the year 2022 for the degree in Masters of Commerce under the guidance of Dr.
Marceline Fernandes of Indira College of Commerce & Science, Pune.
Date: Signature
Place: Pune
(Shriya Shrotri)
ACKNOWLEDGEMENT
I take this responsibility to express my profound and sincere gratitude INDIRA COLLEGE
OF COMMERCE AND SCIENCE for providing me with the opportunity to explore the
corridors of the corporate world and gather invaluable knowledge and practical experience via
this project.
I take the privilege of offering a deep sense of gratitude and indebtedness to AJESH
SASHIDHARAN (OWNER) TAURUS PRO TOOLING, PUNE for providing their guidance
and inspiration to complete the project report.
Above all no words can express my gratitude to my friend RAHUL PRAKASH who supported
me through thick and thin difficulties faced by me during the preparation of the project. This
project would not have been completed without his support. I also owe a sense of gratitude to
my faculties.
Last but not the least, I would like to thank all those who directly or indirectly contributed
intellectually and helped me for the preparation of this project report.
Shriya Shrotri
INDEX
CHAPTER TITLE PAGE
NUMBER NUMBER
EXECUTIVE SUMMARY 1
01 INTRODUCTION 3
03 COMPANY PROFILE 14
04 THEORETICAL BACKGROUND 33
05 RESEARCH METHODOLOGY 53
06 LITERATURE REVIEW 59
08 FINDINGS 89
09 SUGGESTIONS 91
10 CONCLUSION 93
12 ANNEXURE 97
LIST OF TABLES
Financial Inclusion
PNB was among the first movers in rolling out Pradhan
Mantri Jan Dhan Yojana (PMJDY) and mobilizing deposits.
More than a 100 lakh Rupay debit cards have been issued by
the bank, and around 135 lakh accounts were opened to
mobilize nearly two thousand crores. The “Vitiya Jan Chetna
Abhiyan” by PNB was an added attempt to impart financial
awareness across the population. Micro-ATMs were first
deployed by PNB to enable financial operations across
backward locations.
Sources of data
The data for this study are taken from the annual reports of
Punjab National Bank. The other particulars were obtained by
collecting the data in the official website of PNB. Since the
information is based on the annual reports published by the
bank, the study is said to be based on the secondary data.
Tool of study
Ratio analysis
INTERPRETATION:
The current ratio is in decrease.
This denotes that the current liability of the bank has
increased.
The highest ratio is 33 in the year 2016-2017.
The lowest ratio is 26 in the year 2014-2015 and 2017-2018.
CHAPTER 4