CONTENTS

SR. NO PARTICULARS PAGE NO PART -A 1 EXECUTIVE SUMMARY 3 2 INDUSTRY PROFILE 4-6 3 COMPANY PROFILE 7-8 a) Background and inception of the company 9-10 b) Nature Of Business Carried 11 c) Vision and Mission 11 d) Product/service profile 12-22 e) Area of operation 23 f) Ownership pattern 24 g) Competitors information 25 h) Infrastructure facilities 25 i) Achievements & Awards 26 j) Work Flow Model 27 4 MC KINSEY’S 7S MODEL 28-30 5 SWOT ANALYSIS 31 6 FINANCIAL STATEMENT 32-33 7 LEARNING EXPERIENCE 34 PART- B 1 GENERAL INTRODUCTION 36-52 2 RESEARCH STUDY 53 a) Statement of the problem 53 b) Objectives of the study 53 c) Scope of the study 53 d) Methodology 54 e) Limitations of the study 54 3 ANALYSIS AND INTERPRETATION OF THE DATA 55-63 4 FINDINGS & OBESRVATION 64 5 SUGGESTIONS & CONCLUSION 65-66 6 BIBLIOGRAPHY 69-70

Executive summary:

H.K.E.S society S L N college of Engineering Yermarus Camp Raichur. Page 1 is a leading public sector bank established on July 1, 1906 in the town of in by Shri Ammembal Subba Rao , an eminent lawyer, educationist and social reformer. The bank has already completed 100 years of service. It provides all sorts of financial services ranging from loans to insurance. The report basically deals with the organization study of Canara bank. It mentions about the brief introduction to banking industry,

. In India the banking sector is segregated as public or private sector banks, cooperative banks and regional rural banks , the financial institutions (FIs), encompassing term- lending institutions, investment institutions specialized financial institutions and the state-level development banks, Non Bank Financial companies (NBFCs) and other market intermediaries such as the stock brokers and money lenders.

Title of the project

“The study and Analysis of Loans and Advances” At Canara bank Ankalgi branch, Analagi. The study is mainly on “Analysis of Loans & Advances” at Canara Bank Ankalgi Branch Ankalgi. this project report is intended to Examine the Bank lending & borrowing procedure of cash , types of loan products and interest rates, and also know the amount loan has been sanctioned by the bank.

1) INDUSTRY PROFILE

H.K.E.S society S L N college of Engineering Yermarus Camp Raichur. Page 2 Banking in India has an early origin where the indigenous bankers played a very important role in lending money and financing foreign trade and commerce. During the days of the East India Company, was the turn of the agency houses to carry on the banking business. The General Bank of India was first Joint Stock Bank to be established in the year 1786. The others which followed were the Bank Hindustan and the Bengal Bank. In the first half of the 19th century the East India Company established three banks; the Bank of Bengal in 1809, the Bank of Bombay in 1840 and the Bank of Madras in 1843. These three banks also known as Presidency banks were amalgamated in 1920 and a new bank, the Imperial Bank of India was established in 1921. With the passing of the State Bank of India Act in 1955 the undertaking of the Imperial Bank of India was taken by the newly constituted State Bank of India.

The Reserve Bank of India which is the Central Bank was created in 1935 by passing Reserve Bank of India Act, 1934 which was followed up with the Banking Regulations in 1949. These acts bestowed Reserve Bank of India (RBI) with wide ranging powers for licensing, supervision and control of banks. Considering the proliferation of weak banks, RBI compulsorily merged many of them with stronger banks in 1969.

Despite increasing competition, public sector banks continue to dominate. Large scale of operations bestows upon them a higher bargaining power enabling them to play a dominant role in the liquidity and interest rate levels in the system. However, the scenario in the future may undergo a change with the growth of the new private sector banks. These banks are in a more advantageous position because of their superior technology- based operations, lower manpower and a lower Non-Performing Assets (NPA) level.

OUTLOOK

The banking scenario in the country has been undergoing a qualitative shift towards international. The future, therefore, seems to be exciting, but only for those who can

H.K.E.S society S L N college of Engineering Yermarus Camp Raichur. Page 3 withstand the stress and strain that the reforms bring along. As banks expand their fee- based income by offering various services including distribution of mutual funds, investments and insurance products, the reach and responsive services takes center stage. Also with more financial instruments gaining market acceptance, traditional advances are likely to give way to investment in innovative instruments.

The banking industry needs to cut flab across the board, improve service conditions, capitalize on their large client base for fee-based income and retain their customers amidst hectic competition. With price wars slowly taking place, particularly after lending below Prime Lending Rate is allowed, stronger players will emerge successful in the long run

Commercial Banks at a glance Particulars Jun-2011 Jun-2012 No. of Commercial Banks 295 298 All Scheduled Commercial Banks 291 294 of which, Regional Rural Banks 196 196 Non-Scheduled Commercial Banks* 4 4 No. of Bank Offices 66692 66355 Rural 32231 32394 Semi-Urban 14875 14727 Urban 10841 10578 Metropolitan 8745 8656 * Indicates Local Area Banks Source: Reserve Bank of India 2)COMPANY PROFILE

Widely known for customer centricity, Canara Bank was founded by Shri Ammembal Subba Rao Pai, a great visionary and philanthropist, in July 1906, at Mangalore, then a small port in Karnataka. The Bank has gone through the various phases of its growth

H.K.E.S society S L N college of Engineering Yermarus Camp Raichur. Page 4 trajectory over hundred years of its existence. Growth of Canara Bank was phenomenal, especially after nationalization in the year 1969, attaining the status of a national level player in terms of geographical reach and clientele segments. Eighties was characterized by business diversification for the Bank. In June 2006, the Bank completed a century of operation in the Indian banking industry. The eventful journey of the Bank has been characterized by several memorable milestones. Today, Canara Bank occupies a premier position in the comity of Indian banks. With an unbroken record of profits since its inception, Canara Bank has several firsts to its credit. These include:

 Launching of Inter-City ATM Network

 Obtaining ISO Certification for a Branch

 Articulation of ‘Good Banking’ – Bank’s Citizen Charter

 Commissioning of Exclusive Mahila Banking Branch

 Launching of Exclusive Subsidiary for IT Consultancy

Over the years, the Bank has been scaling up its market position to emerge as a major 'Financial Conglomerate' with as many as nine subsidiaries/sponsored institutions/joint ventures in India and abroad. As at September 2009, the Bank has further expanded its domestic presence, with 2802 branches spread across all geographical segments. Keeping customer convenience at the forefront, the Bank provides a wide array of alternative delivery channels that include over 2000 ATMs- one of the highest among nationalized banks- covering 715 centers, 1591 branches providing Internet and Mobile Banking (IMB) services and 2084 branches offering 'Anywhere Banking' services.

H.K.E.S society S L N college of Engineering Yermarus Camp Raichur. Page 5 Not just in commercial banking, the Bank has also carved a distinctive mark, in various corporate social responsibilities, namely, serving national priorities, promoting rural development, enhancing rural self-employment through several training institutes and spearheading financial inclusion objective. Promoting an i