1 / 16

Banking & Insurance

Banking & Insurance. Canara Bank Vs Bank of Baroda. Nivethetha Pritam Ruchika Vivek. Ashesh Gurvir Jyosthna Nazeeb. Snap Shot!. 3 rd and 4 th Largest Public Sector Banks in India. Our Analysis. Analysis of income and Expenditure pattern Profitability Efficiency Ratios

vaughan
Download Presentation

Banking & Insurance

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Banking & Insurance Canara Bank Vs Bank of Baroda • Nivethetha • Pritam • Ruchika • Vivek • Ashesh • Gurvir • Jyosthna • Nazeeb

  2. Snap Shot! • 3rd and 4th Largest Public Sector Banks in India

  3. Our Analysis • Analysis of income and Expenditure pattern • Profitability • Efficiency Ratios • Optimum Use Cost of Funds • Other Indicators • Future Outlook

  4. Income and expenditure pattern C O M P O S I T I O N Of I N C O M E All Numbers is Rs ‘000

  5. C O M P O S I T I O N Of Ex P E N S E

  6. Profitability

  7. Efficiency Ratios

  8. It reveals the optimum use of the fund across various industries and in various projects. • Canara Bank has achieved a high interest income on their working fund compare to Bank of Baroda. • It also states canara bank can able to put their fund in more profitable projects than bank of baroda.

  9. COST OF FUNDS • CoF is lesser for BOB as they pay lesser interest on their deposits (discussed earlier) • For BOB, the CoF increased due to difficulty in garnering funds during downturn • For Canara, it decreased as the borrowings increased manifold compared to the interest. Good credibility • The interest spread between cost and returns are good but has decreased due to increased NPA’s during downturn • Canara bank scores

  10. Other Indicators

  11. BOB Guidance & Vision • The Bank would continue with its thrust on growth with quality & • try to grow at above industry average to steadily expand its market • share. • The Bank would protect the current soundness of its key financials • like ROAA, ROE, EPS, BVPS, NPL Position etc., through its • dedicated focus on CASA Mobilisation, Efficient Pricing of Retail • Deposits & Loans, Steady Reduction in Bulk Business and Credit • Origination & Monitoring. • The Bank would try to grow its Fee-based Income in tandem with • its Loan-Book growth. • The Bank is building Strong Foundation for Future Growth by • Recruiting the best possible talent in the country from the Premier Institutions • Working on BPR project in consultation with Mckinsey & Co. so as to achieve optimum use of technology and right skilling of the manpower to yield maximum customer satisfaction.

  12. Near Term Focus of Canara Bank • Aiming at a Total Business of Rs.4,00,000 crore by Mar’10 • … Rs.2,25,000 crore under Deposits • … Rs.1,75,000 crore under Advances • Over 200 new branches to be opened during the year • Continued focus on Core Business Growth • Further CBS rollout during the year- branches and service • units • Increasing technological automation • Strengthening overseas presence

  13. Thank You

More Related