PROJECT REPORT (17MBAPR407) on A STUDY ON NON …

1 PROJECT REPORT (17 MBAPR407) on A STUDY ON NON PERFORMING ASSETS AT SBI, BENGALURU BY KAVYASHREE C L 1AY17 MBA16 Submitted to VISVESVARAYA TECHNOLOGICAL UNIVERSITY, BELGAVI In partial fulfilment of the requirements for the award of the degree of MASTER OF BUSINESS ADMINISTRATION Under the Guidance of INTERNAL GUIDE EXTERNAL GUIDE Janardhan G Shetty Mr. Anoop P Associate Professor Branch Manager Dept. of MBA, AIT SBI, Bengaluru Department of MBA Acharya Institute of Technology Acharya Radhakrishnan Road Acharya PO, Soladevanahalli, Bangalore-560 107 March 2019 all<diq * asSta(e Bank of IndiaTO WHOMSOEVER IT MAY CONCE.)

2 RNThis is to certify that Ms Kavyashree C L, No lAY17 MBA16, an MBA student fromAcharya Institute of Technology, Bangalore has successfully completed Internshipproject on "A STUDY on Non Performing Assets of SBl" as a part of the curriculum to has completed the PROJECT under the guidance of Shri Anoop P, Branch Manager,State Bank of India, West of Chord Road Branch, Bangalore. During her PROJECT period,she has exhibited exemplary character and conduct, and was able to complete successfully within stipulated wish her success in all her future youY()urs sincerelytptwgo:UsorT;#001 S68R1`!

3 1\.WoANhoFINDI^ dcon/ rtyta */0,lnch Haw,&`. ol Cho!d i?.(B[.anch Manageck ut rfe , B noc!',3 . ". `FTdACIIARYA INSTITUTEOF TECHNOLOGY(AffiliatedtovisvesvarayaTechn ologlcal University, Belagavi, Approved byAICTE,NewDelhi and Accredited byNBA and NAAC)Date: 04/04/2019 CERTIFICATEThis is to certify that Ms. Kavyashree C L bearing USNIAY17 MBA16 is a bonafide student of Master of Business of the Institute batch, affiliated to VisvesvarayaTechnological University, Belagavi.)]

4 PROJECT REPORT on "A STUDY on NonPerforming Assc{s at SBI (West of Chord Road BI-anch), Bcligaluru" isprepared by her under the guidance of Dr. Jarfardhan G Shctty, in `ulrillirient of the rcqujremciits for the of the c!cgree of Mastci. ofBusiness Adi`ninisti`ation, Visvesvaraya Technological Uni.\Jcrsity, Bclagavi, ..`.._Signatu!.e ol` Academicsor. Oevara/aran ;\CH,4F{YA INSTITUTE 0F TECHNOLOGYf' 56o lo7, Karnataka, lndla . www acharya ac in/ait Ph, +91-80-225 555 55 Extn.}}

5 2102 . Fax +91-80-237 002 42 . E-mall principalalt@acharya ac lnAcharya Dr Sarvepalli Badhakrishnan fload, SoladevanahDECLARATIONI Kavyashree C L, hereby declare that the PROJECT REPORT entjt]ed "A STUDY ONNON PERFORMING ASSTES AT SBI,BENGALURU" with reference to C`Statebank of India, Bengaluru" prepared by me under the guidance of prof. JanardhanG SI]etty faculty of Department, Acharya institute of technology andexternal assistance by Mr. Anoop p, Branch Manager at State bank of India,Bengaluru I also declare that this PROJECT work is towards the partial fulfilment ofthe university Regulations for the award of degree of Master of BusinessAdministration by Visvesvaraya Technological University, Belagavi.

6 I haveundergone a summer PROJECT for a period of Six weeks. I further declare that thisProject is based on the original STUDY undertaken by me and has not been submittedfor the award of any degree/diploma from any other Un]versity / : BengaluruDate:ll/04/2019K= cthT=_ CFSignature of the student ACKNOWLEDGEMENT I wish to express my sincere thanks to our respected Principal, M R, beloved Dean-Academics, Dr. Devarajaiah R M, and deep sense of gratitude to Dr. M M Bagali, HOD, Acharya Institute of Technology, Bengaluru for their kind support and encouragement in completion of the internship REPORT .

7 I would like to thank Prof. Janardhan G Shetty, Department of MBA, Acharya Institute of Technology, Bengaluru and external guide Mr. Anoop P, Branch manager at SBI Bengaluru, who gave me golden opportunity to do this wonderful PROJECT in the esteemed organization, which helped me to learn various concepts. Finally, I express my sincere thanks to my Parents, Friends and all the Staff of MBA department of AIT for their valuable suggestions in completing this PROJECT REPORT . Place: Bengaluru Kavyashree C L Date: 11/04/2019 USN: 1AY17 MBA16 TABLE OF CONTENTS CHAPTER NO.

8 CHAPTERS PAGE NO. 1 EXECUTIVE SUMMARY 1 Introduction 2 Industry profile 3 Company profile 6 Vision, Mission and Quality policy 11 Products and Services of SBI 12 Areas of operations 17 Competitors Of SBI 18 SWOT Analysis 18 Future growth and prospects 21 Financial Statement 23 Ratio analysis 24 2 CONCEPTUAL BACKGROUND AND LITERATURE REVIEW 26 Theoretical Background of the STUDY 27 Literature Review 35 3 RESEARCH DESIGN 40 Statement of problem 41 Need of the STUDY 41 Objective of the STUDY 41 Scope of the STUDY 42 Research Methodology 42 Limitations of the STUDY 42 Chapter Scheme 43 4

9 ANALYSIS AND INTERPRETATION 44 Analysis and Interpretation of Data 45 5 FINDINGS, SUGGESTIONS AND CONCLUSION 60 Findings 61 Suggestions 62 Conclusion 63 BIBLIOGRAPHY 64 ANNEXURE 67 LIST OF TABLES TABLE NO TITLE PAGE NO Table Showing the percentage of net NPA 45 Table Showing the percentage of gross NPA 46 Table Showing the advances 47 Table Showing the performance of provision for NPA 48 Table Showing the performance of cash recovery in NPA 49 Table Showing the slippage of assets of NPA category 50 Table Showing the percentage of capital adequacy ratio 51 Table Showing assets

10 Quality sector-wise gross NPA 52 Table Showing the performance of sub-standard assets ratio 53 Table Showing the performance of doubtful assets ratio 54 Table Showing the performance of loss assets ratio 55 Table Showing NPA accounts of housing loans 56 Table Showing NPA accounts of auto loans 57 Table Showing NPA accounts of personal loans 58 LIST OF GRAPHS Graph NO TITLE PAGE NO Graph Showing the percentage of net NPA 45 Graph Showing the percentage of gross NPA 46 Graph Showing the advances 47 Graph Showing the performance of provision for NPA 48 Graph Showing the performance of cash recovery in NPA 49 Graph Showing the slippage of assets of NPA category 50 Graph Showing the percentage of capital adequacy ratio 51 Graph Showing assets quality sector-wise gross NPA 53 Graph Showing the performance of sub-standard assets ratio 54 Graph Showing the performance of doubtful assets ratio 55 Graph Showing the performance of loss assets ratio 56 Graph Showing NPA accounts of housing loans 57 Graph Showing