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    Executive Summa

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    sagar
    The document discusses the history and evolution of banking, from its origins in ancient times to prominent banking dynasties over centuries. It then outlines the objectives of analyzing credit appraisal techniques used by Bank of India. Specifically, it aims to understand how banks evaluate a customer's creditworthiness and repaying ability when providing different types of credit facilities. The report will reveal details about loans provided by Bank of India based on experiences and make recommendations. It focuses on retail banking, credit risk management, and the role of banks in the Indian market.

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    Executive Summa

    Uploaded by

    sagar
    29 views2 pages
    The document discusses the history and evolution of banking, from its origins in ancient times to prominent banking dynasties over centuries. It then outlines the objectives of analyzing credit appraisal techniques used by Bank of India. Specifically, it aims to understand how banks evaluate a customer's creditworthiness and repaying ability when providing different types of credit facilities. The report will reveal details about loans provided by Bank of India based on experiences and make recommendations. It focuses on retail banking, credit risk management, and the role of banks in the Indian market.

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    The document discusses the history and evolution of banking, from its origins in ancient times to prominent banking dynasties over centuries. It then outlines the objectives of analyzing credit appraisal techniques used by Bank of India. Specifically, it aims to understand how banks evaluate a customer's creditworthiness and repaying ability when providing different types of credit facilities. The report will reveal details about loans provided by Bank of India based on experiences and make recommendations. It focuses on retail banking, credit risk management, and the role of banks in the Indian market.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    29 views2 pages

    Executive Summa

    Uploaded by

    sagar
    The document discusses the history and evolution of banking, from its origins in ancient times to prominent banking dynasties over centuries. It then outlines the objectives of analyzing credit appraisal techniques used by Bank of India. Specifically, it aims to understand how banks evaluate a customer's creditworthiness and repaying ability when providing different types of credit facilities. The report will reveal details about loans provided by Bank of India based on experiences and make recommendations. It focuses on retail banking, credit risk management, and the role of banks in the Indian market.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    of 2

    EXECUTIVE SUMMARY

    Banking in its modern sense evolved in the 14th century in the prosperous cities of Renaissance

    Italy but in many ways was a continuation of ideas and concepts of credit and lending that had

    their roots in the ancient world. In the history of banking, a number of banking dynasties –

    notably, the Medicis, the Fuggers, the Welsers, the Berenbergs, and the Rothschilds – have

    played a central role over many centuries.

    Eventually the importance of this project is mainly to understand the credit appraisal techniques used

    by the banks with special reference to Bank of India.Whenever an individual or a company uses a credit

    that means they are borrowing money that they promise to repay with in a pre-decided period. In order

    to assess the repaying capability i.e. to evaluate their credit worthiness banks use various techniques

    that differ with the different types of credit facilities provided by the bank.

    LOAN AND CREDIT APPRAISAL

    The report will reveal the background of the company, description of the

    loans,findings and recommendations based on the experience gathered.

    Primary Objective :-

    To know about Retail Banking.To study broad outline of management of credit, market and operational

    risks associated with banking sector.To understand the importance of banking sector.

    Secondary Objective :-
    Long Term and Short Term Finances.To study the role of bank in Indian Market.Different types of

    services provided by the banks.

    The report is based on my critical observation while working in the credit division of Bank of

    India. Lending is one of the principal functions of the bank. Sound lending practice therefore, is

    very important for profitability and success of a bank. For the sake of sound lending, it is

    necessary to develop a sound policy and modern credit management techniques to ensure that

    loans/ advances are safe and the money will come back within the time set for repayment. For

    this purpose, proper and prior analysis of credit proposals is required to assess the risk. The

    comparative analysis shows that Bank of India is in better position, but there are some

    obstacles it faces to sustain the position. However, the continuous improvement of the services

    will certainly place the bank in the best position in one decade.

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