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Submitted by: Aditya Shekhar MBA-tech Comp.Sc. Roll 371 SAP_ID- 71210090013

Credit Portfolio analysis of Central Bank of India into Retail & Corporate Advances comprises a vital and large area in addition to other loan portfolios. The work involves theoretical & Practical understanding of loan Processing in the greater interest of mass and contributing towards same. Overall it aimed at getting enriched by having a Birds eye view of the working of PSU Banks in the Banking Sector in general and CBI in particular.

Imbibe the Credit Portfolio & getting acquainted with the Credit Policy of the Central Bank of India. Case Study of important Retail & Corporate Loan Projects Contributing in Live Retail & Corporate proposals. Giving some practical view point as a Management Sophomore to make the Bank more Market Savvy.

Established in 1911, Central Bank of India was the first Indian commercial bank which was wholly owned and managed by Indians. The establishment of the Bank was the ultimate realization of the dream of Sir Sorabji Pochkhanawala, founder of the Bank. Sir Pherozesha Mehta was the first Chairman of a truly 'Swadeshi Bank'. In fact, such was the extent of pride felt by Sir Sorabji Pochkhanawala that he proclaimed Central Bank of India as the 'property of the nation and the country's asset'. He also added that 'Central Bank of India lives on people's faith and regards itself as the people's own bank'. Among the Public Sector Banks, Central Bank of India can be truly described as an All India Bank, due to distribution of its large network in 27 out of 29 States as also in 3 out of 7 Union Territories in India. Central Bank of India holds a very prominent place among the Public Sector Banks on account of its network of 4214 branches and 26 extension counters along with satellite branches at various centers throughout the length and breadth of the country

Proposed Methodology:
Manual Analysis of advances (retail & corporate both) done by the bank. By working on the new proposals (retail & corporate both) By analyzing credit policies of the bank

Software Used:
RAM (Risk Assessment Model) For credit rating of proposals. LAPS (Loan application processing system) For processing all retail advances on CLASS (Computerized Loan Appraisal System and Supervision)

8/05/2013 to 22/05/2013
- Understanding banking & its basic concepts

23/05/2013 to 31/05/2013
- Understanding Credit & Credit Portfolio

01/06/2013 to 29/06/2013
- Understanding Retail Finance & Case Study Analysis

01/07/2013 to 31/07/2013
- Understanding Corporate Finance & Case Study Analysis. 1/08/2013 to 14/09/2013 - Working on New Retail & Corporate loans

16/09/2013 to 21/09/2013 - Final Report, Presentation & Project Sign-off

1. Central Bank of India www.centralbankofindia.co.in 2. RBI www.rbi.org.in 3. Investopedia www.investopedia.com 4. Moneycontrol www.moneycontrol.com