Slide 6: OBJECTIVE OF THE STUDY To thoroughly study the products & services of ING Vysya Bank.

To study the financial & marketing strategies adopted by ING Vysya Bank to maintain & increase its market share & to retain its customers. To study banking operations.

Slide 7: Scope of project: Credit rating agencies Non-banking financial corporations Investment banks

Slide 8: Research Methodology Research means gathering of data, information and facts for the advancement of knowledge. Sources of information: SECONDARY SOURCE: Internal sources of secondary information External sources of secondary information

Slide 9: Credit appraisal of corporate borrowers The process of evaluating an applicants loan request or a corporations debt issue in order to determine the likelihood that the borrowers will live up to his/her obligations. It can be done in following steps:

Slide 10: Bank credit rating strategy: Credit appraisal is the procedure followed by the credit granting agency for analyzing the credit worthiness of the borrower and his/her credit requirement. Financial analysis: Principal financial assessment data sources are made by secondary current account balances, off-balance-sheet details, time transactions, CBR statement of compliance, profit and loss statement, auditors report, annual report and other materials/documents/records holding any financial particulars relat ed to the given bank.

Slide 11: Qualitative analysis: Qualitative research of business engagements pursued by a bank are generally made by providers of legal-related knowledge including terms of reference, licenses, founding charters, marketing information, annual reports, advertising and promotional materials, mass media reports, research surveys and questionnaires, banks top -manager interviews, etc.

Slide 12: 2) Financial statement analysis Ratio analysis is a very important part of credit appraisal from financial analysis point of view. Liquidity ratios measure a firm's ability to meet its current obligations. Profitability ratios measure management's ability to control expenses and to earn a return on the resources committed to the business.

Slide 13: Leverage ratios measure the degree of protection of suppliers of long-term funds and can also aid in judging a firm's ability to raise additional debt and its capacity to pay its liabilities on time. Efficiency, activity or turnover ratios provide information about management's ability to control expenses and to earn a return on the resources committed to the business.

Slide 14: 3) Assessment of loan requirement According to the applicant depending upon customers schedule of delivery requirement the w orking capital requirement can be of different level at different point of time. Calculation of funded working capitalfacility required or applied for.[MPBF] Calculation or non-funded facility requirement. Assessment of term loan. Comments

Slide 15: 4) Pricing Based on following factors: Credit rating of the applicant..(may be external or internal) Term of loan. Security available to the bank. a)primary security b)collateral security Deposit rates Price of similar loans It is linked with banks primelending rate (BPLR)based of RBI guidelnes.

Slide 16: 5) Others terms & conditions Based on past conduct of accounts {For exist ing customers}. Terms and conditions for the similar loans Additional credit facilities sanctioned Since last review. Details of excess drawings and irregularities Since last review They are laid down to monitor the accounts effectively and periodically.

Slide 17: 6) Appraising officers views & recommendations Finally the appraising officer submits the proposal to his higher authority b y recommending the sanction at proposed terms and conditions and rate of interest.

Slide 18: SWOT ANALYSIS OF ING VYSYA BANK

INTERNAL ENVIRONMENTANALYSIS : INTERNAL ENVIRONMENTANALYSIS Strengths ING as one on the biggest financial MNC. 7th in 500 fortune. Only foreign bank which has acquired an Indian private bank (Vysya Bank). Most of the financial plans are legalized under 80ccc. Unique features with different kinds of accounts. Weakness Very few branches. Less variety of financial/banking products.

EXTERNAL ENVIRONMENTANALYSIS : EXTERNAL ENVIRONMENTANALYSIS Opportunities Increase in different kind of financial products. NGO and Public Relations. Threats Presence of two top private banking players in the market (ICICI & HDFC). Large market share already captured.

LIMITATIONS : LIMITATIONS Limited scope. Time duration is of 45 days only, so much of economic fluctuations are not seen. No customer interaction.

Slide 22: CONCLUSION India is a developing country. Industrial development. Availability of finance Credit appraisal