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    Deposits: Deposits Has Been Increasing at Consistent Rate

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    Nishant Yadav
    Deposits 250000 209767 249330 200000 142609 150000 117173 100000 166457 50000 0 30/06/2006 30/06/2007 30/06/2008 30/06/09 30/06/10 Note: Figures are in crore Rs. INTERPRETATION : Deposits has been increasing at consistent rate. The share of Bank’s deposits to total resources was 84.05 percent as on 31st March 2010. Bank’s total deposits amounted to Rs 2,49,330 crore as on March 31, 2010, showing an absolute accretion of Rs 39,570 crore and a growth of 18.9 percent over previous year. The

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    Deposits: Deposits Has Been Increasing at Consistent Rate

    Uploaded by

    Nishant Yadav
    33 views6 pages
    Deposits 250000 209767 249330 200000 142609 150000 117173 100000 166457 50000 0 30/06/2006 30/06/2007 30/06/2008 30/06/09 30/06/10 Note: Figures are in crore Rs. INTERPRETATION : Deposits has been increasing at consistent rate. The share of Bank’s deposits to total resources was 84.05 percent as on 31st March 2010. Bank’s total deposits amounted to Rs 2,49,330 crore as on March 31, 2010, showing an absolute accretion of Rs 39,570 crore and a growth of 18.9 percent over previous year. The

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    Analysis

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    Deposits 250000 209767 249330 200000 142609 150000 117173 100000 166457 50000 0 30/06/2006 30/06/2007 30/06/2008 30/06/09 30/06/10 Note: Figures are in crore Rs. INTERPRETATION : Deposits has been increasing at consistent rate. The share of Bank’s deposits to total resources was 84.05 percent as on 31st March 2010. Bank’s total deposits amounted to Rs 2,49,330 crore as on March 31, 2010, showing an absolute accretion of Rs 39,570 crore and a growth of 18.9 percent over previous year. The

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    33 views6 pages

    Deposits: Deposits Has Been Increasing at Consistent Rate

    Uploaded by

    Nishant Yadav
    Deposits 250000 209767 249330 200000 142609 150000 117173 100000 166457 50000 0 30/06/2006 30/06/2007 30/06/2008 30/06/09 30/06/10 Note: Figures are in crore Rs. INTERPRETATION : Deposits has been increasing at consistent rate. The share of Bank’s deposits to total resources was 84.05 percent as on 31st March 2010. Bank’s total deposits amounted to Rs 2,49,330 crore as on March 31, 2010, showing an absolute accretion of Rs 39,570 crore and a growth of 18.9 percent over previous year. The

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    Deposits

    249330
    250000
    209767

    200000
    166457
    142609

    150000
    117173

    100000

    50000

    0
    30/06/2006 30/06/2007 30/06/2008 30/06/09 30/06/10

    Note: Figures are in crore Rs.

    INTERPRETATION :

    Deposits has been increasing at consistent rate. The share of Bank’s deposits to total resources was 84.05
    percent as on 31st March 2010. Bank’s total deposits amounted to Rs 2,49,330 crore as on March 31, 2010,
    showing an absolute accretion of Rs 39,570 crore and a growth of 18.9 percent over previous year.
    The share of low cost deposits (current + savings) in total deposits stood at 40.85 percent.
    REVENU FROM DIFFERENT SEGMENTS

    Revenue Growth in segments

    Treasury Corporate/Wholesale Banking


    Retail Banking Other Banking Operations

    12000
    10122
    9454

    10000 8184
    6197

    8000
    5422 5878

    6000

    4000
    1117 847

    2000

    0
    Year ended on 31/03/2009 Year ended on 31/03/2010
    Note: Figures are in crore Rs.

    INTERPRETATION :

    Retail banking amounts for is the second largest revenue generator after corporate/wholesale banking.
    Revenue from retail banking reduced at 15.52 % from 945486 to 818443. Revenue from Treasury shown a
    low growth rate of 8.40 % while other banking operations showed negative growth.
    Revenue generate in segments in financial year
    2009-10

    Treasury Corporate/Wholesale Banking


    Retail Banking Other Banking Operation

    84720
    3% 587825
    23%
    818443
    33%

    1012234
    41%

    Note: Figures are in crore Rs.

    INTERPRETATION :

    Retail banking amounts for 33% of total revenue of Punjab National Bank. While corporate/wholesale
    banking is the largest contributor to the revenue with 41 % , revenue from other banking operations keeps
    on decreasing and stands at 3 %.

    Recommendation :

    With increasing industrialization in India the share of revenue coming from corporate/wholesale banking
    will continue to rise. Retail banking will also fuel the revenue with increasing demand of vehicle and
    education loan. Concentration should be done in promoting both retail and corporate/wholesale banking.
    Which are going to be the largest source of revenue in near future.
    Retail Credit

    19,214
    20,000 15,947
    18,000
    16,000
    14,000
    12,000
    10,000
    8,000
    6,000
    4,000
    2,000
    0
    Year ended on 31/03/2009 Year ended on 31/03/2010

    Note: Figures are in crore Rs.

    INTERPRETATION :

    The Bank continued to use retail as a growth trigger. It reviewed its loan schemes and revisited the loan
    delivery mechanism which resulted in growth of retail credit from Rs. 15,947 crore as on 31.03.2009 to Rs.
    19,214 crore on 31.03.2010, registering an increase of 20.49%.
    Growth in key credit areas :

    Education Loan House loan Vechile loan

    10,000 8,366 9,538

    9,000

    8,000

    7,000

    6,000

    5,000
    4,000
    1,559 2,272
    3,000
    1,168 1,309
    2,000

    1,000

    0
    Year ended on 31/03/2009 Year ended on 31/03/2010

    Note: Figures are in crore Rs.

    INTERPRETATION :
    Education Loans continue to be the thrust area which received Bank’s focused attention and grew by 46%
    to Rs. 2,272 crore as on 31.3.2010 from Rs. 1,559 crore as on 31.03.2009. While Housing loans increased
    to Rs. 9,538 crore as on 31.03.2010 showing a growth of 14%, Vehicle loan increased to Rs. 1,309 crore
    posting a growth of 12%.

    Recommendation :
    Education loan holds a lot of potential and has shown highest growth so far. Focus on Education Loan
    should increase and inclusion of different stream of education. The maximum amount of education loan
    should also be increased. Also vehicles loan need more attention with more and more middle class going
    towards four wheeler and affordable options available bank should explore the growing auto market in
    India.

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