financial statement analysis of rnsb

8/11/2019 financial statement analysis of RNSB

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Nagarik Bank Was Established On 5 th October1953 With A Small Capital Of Rs. 4890 AndMembership Of 59 Persons.

Bank celebrating 50 th anniversary on 2003 year.

Bank is enjoying the SCHEDULE BANK statussince 1989.In 2001 bank was registered UNDER MULTI-STATE CO-OPERATIVE SOCIATY ACT.


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Name of the Bank Rajkot Nagarik Sahakari bank

Year of establishment 5 th October 1953

Form of organization Multistate Schedule Bank

Branches 32 branches

Accounting Year 1 st April to 31 st March
http://www.lvbank.com/Branch_Locator.aspxhttp://www.lvbank.com/Branch_Locator.aspx


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MISSION

Fully Computerization

Fast Advances

More Co-operative

More service Availability

To increase the use of newtechnology

Satisfy the customer needs andwants

To cope up with the competition

VISION'0' Non Performing Assets.

Branch opening at every stateof India.

Online internet connectionwith every branch.

Achieve the level of corporategovernance.

Fully ISO certified bank.

Deposits 100% Recovery


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LoansTerm LoansEducation loansSecured loansPersonal LoansVehicle LoansHome LoansRUDA (Rajkot Urbandevelopment authority )loansComputer loan

Industrial loanEquipment or machinery loanGold loanBank Guarantee

Deposits:Current DepositsSaving DepositsTerm Deposits

Recurring Deposits

Other servicesLocker SystemATM facilitySMS facility


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The RNSB getting best social project award in 2012

"SOCIAL BANKING NATIONAL AWARD"

"BANKING FRONTIER" a leading financial magazineconferred two awards for "INCOME RATIO" and

"DEPOSIT RATIO".


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Main serviceTransferClearingCashLoanFixed deposits

Other servicesLocker facilityDemand draftDepository service Demat

RTGS(Real time grosssettlement )NEFT ( National electronicfund transfer)OBC( Out ward bill of

collection)ABB(Any branch banking)


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I use the secondary data collection for the research.

Financial statement analysis it has various tools asfollows:

1. Comparative statement2. Common sized statement3. Tread analysis4. Ratio analysis


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LITERATURE REVIEWBollen 1999)Conducted a study on Ratio Variables on which he found three differentuses of ratio variables in aggregate data analysis: (1) as measures oftheoretical concepts, (2) as a means to control an extraneous factor, and(3) as a correction for heteroscedasticity. In the use of ratios as indicesof concepts, a problem can arise if it is regressed on other indices orvariables that contain a common component. For example, therelationship between two per capita measures may be confounded withthe common population component in each variable. Regarding thesecond use of ratios, only under exceptional conditions will ratiovariables be a suitable means of controlling an extraneous factor.Finally, the use of ratios to correct for heteroscedasticity is also oftenmisused.Only under special conditions will the common

formforgerssoonwithratiovariables correct for heteroscedasticity. Alternatives to ratios for each of these cases are discussed and evaluated.


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Sergio 1996) from Italy:In a study of non-performing loans in Italy foundevidence that, an increase in the riskiness of loanassets is rooted in a bank's leading policy

adducing to relatively unselective and inadequateassessment of spectral prospects.In the governmental accounting area, Miller andVan Daniker 1999) conducted a survey touncover the changes that have been taken placein government accounting education during thepast five years and those that will likely occurduring the next five years.


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0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

18.00%

2008-092009-10

2010-112011-12

2012-13

N

TPO

TR

O

2008-09 2009-10 2010-11 2011-12 2012-13

Ratio 13.44% 12.62% 16.91% 14.71% 12.94%

NET PROFIT RATIO


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2008-09 2009-10 2010-11 2011-12 2012-13

RATIO 0.66 0.45 0.47 0.51 0.55

0

0.1

0.2

0.3

0.4

0.5

0.6

0.7

C

HR

O

CASH RATIO


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0

10

20

30

40

50

60

70

2008-092009-10

2010-112011-12

2012-13

E

NNP

RSH

2008-09 2009-10 2010-11 2011-12 2012-13

RATIO 47.26 35.36 48.32 51.54 66.15

EPS


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2008-09 2009-10 2010-11 2011-12 2012-13

Ratio 66.61% 67.98% 70.25% 70.05% 65.29%

62.00%63.00%64.00%65.00%66.00%67.00%68.00%

69.00%70.00%71.00%

C

HC

DTD

O

TR

O

CASH CREDIT DEPOSIT RATIO


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Sr.no. Name Of Book Author

1. Marketing Management Philip Kotler

2. Human Resources Management Gargy Dessler & Biju Varkkery

3. Financial Management I M Pandey

4. Cost & Management Accounting Ravi Kishore

Sr.no.1. Annual report

year2009-2010

2. Annual report 2010-20113. Annual report 2011-20124. Annual report 2012-2013


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Thank you

financial statement analysis of rnsb

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