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  • Secured Loan of PNB of Last 5 Years

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    Rig Ved
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    The document contains graphs and interpretations of financial metrics of PNB Bank over the last 5 years from 2013-2017. It shows that the bank's secured loans, current liabilities, current assets, operating profit, net sales, total income, net worth have generally increased over time, while total expenditure decreased in 2017. Interest rates for home loans of Rs. 20 lakh for 10 years fluctuate between banks, as do monthly EMIs and processing fees charged.

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    The document contains graphs and interpretations of financial metrics of PNB Bank over the last 5 years from 2013-2017. It shows that the bank's secured loans, current liabilities, current assets, operating profit, net sales, total income, net worth have generally increased over time, while total expenditure decreased in 2017. Interest rates for home loans of Rs. 20 lakh for 10 years fluctuate between banks, as do monthly EMIs and processing fees charged.

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    © All Rights Reserved
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    11 views9 pages

    Secured Loan of PNB of Last 5 Years

    Uploaded by

    Rig Ved
    The document contains graphs and interpretations of financial metrics of PNB Bank over the last 5 years from 2013-2017. It shows that the bank's secured loans, current liabilities, current assets, operating profit, net sales, total income, net worth have generally increased over time, while total expenditure decreased in 2017. Interest rates for home loans of Rs. 20 lakh for 10 years fluctuate between banks, as do monthly EMIs and processing fees charged.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 9

    Secured Loan of PNB of last 5 years

    70000

    60000

    50000

    40000

    30000

    20000

    10000

    0
    2017 2016 2015 2014 2013

    Secured Loan
    .

    Interpretation:

    From the above graph it is evicted that the secured loans of PNB has kept on fluctuating. The bank
    should look after their loan payback capabilities
    Total Current Liabilities of PNB of last 5 years
    17500

    17000

    16500

    16000

    15500

    15000

    14500

    14000

    13500
    2017 2016 2015 2014 2013

    Current Liabilities

    Interpretation:

    From the graph of current liabilities of PNB it is seen that the current liabilities have decreased
    with time which is good for the company. At one point in 2015 it was increased but then gradually
    decreased in next 2 years. It is lowering the burden of company.
    Total current assets of PNB of last 5 years
    600000

    500000

    400000

    300000

    200000

    100000

    0
    2017 2016 2015 2014 2013

    Current Assets

    Interpretation:

    From the above graph it is seen that the cureent assets of the company has increased in last 5 years
    which depicts that the company’s stability has increased over time.
    Operating Profit of PNB of last 5 years
    8000

    7000

    6000

    5000

    4000

    3000

    2000

    1000

    0
    2017 2016 2015 2014 2013

    Operating Profit

    Interpretation:

    As seen from the above graph that the profit for the company from the production process is
    increasing which is good for the company.
    Net Sales of PNB of last 5 years
    48000

    47000

    46000

    45000

    44000

    43000

    42000

    41000

    40000

    39000
    2017 2016 2015 2014 2013

    Net Sales

    Interpretation:

    The Net Sales Of the PNB has increased in last 4 years which shows the bank is in good position
    and the increasing demand of PNB products in the market. But in 2017 it decreased a little.
    Total Income of PNB of last 5 years
    60000

    50000

    40000

    30000

    20000

    10000

    0
    2017 2016 2015 2014 2013

    Total Income

    Interpretation:

    The total income of the bank is increasing continuously from last 5 years. It is good for the bank.
    Total Expenditure of PNB of last 5 years
    30000

    25000

    20000

    15000

    10000

    5000

    0
    2017 2016 2015 2014 2013

    Total Expenditure

    Interpretation:
    The expenditure of bank goes on increasing from last 4 years. But the bank tackled it in 2017 which
    is having less expenditure.

    Net Worth of PNB of last 5 years


    45000

    40000

    35000

    30000

    25000

    20000

    15000

    10000

    5000

    0
    2017 2016 2015 2014 2013

    Net Worth

    Interpretation:
    Net worth of the bank is increasing gradually. While in 2016 it was less compared with other years.
    Interest rate For Home Loan of Rs 20
    Lakh for 10 years period(Floating)

    8.75
    8.7
    8.65
    8.6
    8.55
    8.5
    8.45
    8.4
    8.35
    8.3
    PNB ICICI SBI

    Interest rate

    EMI for loan amount of Rs 20 lakh for a period of 10 years


    repayment of different banks(floating)
    37600

    37500

    37400

    37300

    37200

    37100

    37000

    36900
    PNB ICICI SBI

    EMI
    Processing Fee For home loan of Rs
    20 lakh for 10 years period(Floating)
    0.6

    0.5

    0.4

    0.3

    0.2

    0.1

    0
    PNB ICICI SBI

    Processing fees

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