...Project report on credit appraisal in banks pdf A PROJECT REPORT ON CREDIT APPRAISAL - Free download as Word Doc.doc.docx, PDF File.pdf, Text file.txt or read online for free. CREDIT POLICY OF COMMERCIAL BANK y Commercial banks and its. As the credit appraisal is one of the crucial areas for any bank, some of the. Credit risk management state bank of india project report mba.Keywords: Credit Appraisal, MSME, NPA, Lakshmi Vilas Bank. 2-05, Requirements for the Appraisal Report 10252011. They report that 41 financial ratios are considered important, given citation in one more of. The bank must bring more transparency in appraisal of the project there should be.Project on hdfc read may be help ful to you pdf Download. Hii there,i need a report on credit appraisal process in a bank.if anyone have any resource. 1 of 2: P4812.pdf. Credit appraisal or project planning must be viewed as a process of. Once the SEM, on the basis of its evaluation of the flash report, decides that the project justifies a detail appraisal, it nominates lead financial institutions.Project Credit appraisal is done by banks or financial institutions by. Internal Circulars of the bank Research papers, power point presentations and PDF files.Credit Appraisal at Allahabad bank can be categorized under 3 heads. A detailed project report covering marketability and Techno-economic feasibility in.technical viability of the project proposed its funding pattern. Credit appraisal means an investigationassessment...
Words: 821 - Pages: 4
...Investment Appraisal Slide 10.2 Chapter 10 Making capital investment decisions LEARNING OUTCOMES CHAPTER 10: Investment Appraisal Methods You should be able to: Explain the nature and importance of investment decision making First hour – 23.11.11 Identify the four main investment appraisal methods found in practice •Payback •ARR Use each method to reach a decision on a particular investment opportunity Discuss the attributes of each of the methods 1 Atrill and McLaney, Accounting and Finance for Non-Specialists, 7th Edition, © Pearson Education Limited 2011 Investment Appraisal Investment appraisal methods used in practice Investment appraisal – the process of appraising the potential investment projects. Assessment of the level of expected returns earned for the level of expenditure made. Estimates of future costs and benefits over the project’s life. 3 • Every business would like to do everything • But it all costs • Capital expenditure on new projects or purchases (fixed assets) needs to be planned • Capital is always rationed Scenario: • Your business wishes to expand its product line • It is considering Products A and B but it can only afford to do one. • How does it decide? What main factors affect the investment decision • How much will it cost ? Investment appraisal methods used in practice • How much will I get back ? • When will I get the income ? • 4 main techniques available ranging from simple to moderately complex MULTIPLE APPRAISAL METHODS:...
Words: 1779 - Pages: 8
...This document outlines the main appraisal methods and techniques which should be used as part of the Public Spending Code. It provides a brief introduction to each technique and contains reference material at the end of the document. This information is intended to provide a general overview of these techniques, helping to orient new Public Spending Code users and point the way to further more detailed material, both in the Public Spending Code and more generally. 1. Overview of appraisal The basic purpose of systematic appraisal is to achieve better spending decisions for capital and current expenditure on schemes, projects and programmes. This document provides an overview of the main analytical methods and techniques which should be used in the appraisal process. These techniques can also be used in the evaluation process. More detailed information on individual techniques can found in financial and economic textbooks, examples of which are listed at the end of this document and in other guidance material on the VFM portal. An understanding of discounting and Net Present Value (NPV) calculations is fundamental to proper appraisal of projects and programmes. A good understanding of Cost Benefit Analysis (CBA), Internal Rate of Return (IRR), Multi Criteria Analysis (MCA) and Cost Effectiveness Analysis (CEA) is also essential for economic appraisal purposes. 2. Analytical methods The recommended analytical methods for appraisal are generally discounted cash...
Words: 3064 - Pages: 13
...Date 28 September 2013 TABLE OF CONTENT Cover Page 1 Table of Content 2 Introduction 3 - 4 Executive Summary 5 Data Collection Methodology /Research Methods 6 - 7 Analysis and Finding 8 - 10 Recommendations 11 - 15 Conclusion 16 Appendices 18 - 20 1. INTRODUCTION 1.1 COMPANYS The Two Companies under Investigation for this project are: A. Lotus Bedding (S) Pte Ltd Lotus Bedding (S) Pte Ltd, The Company is a dealership of Brand Lotus and Omazz Mattress which import all it Mattress and Bedding Accessory from Thailand and Norway. With showroom located at Park Mall and Lotus Counter at Robinson, Courts and many other. It has currently Twenty-Nine employees in the Sale and Office Administrative Lotus start to do Performance Appraisal System last three year ago. The System serves as a measurement of employee Performance on the Sale team in the Company. B. ABC Maintenance Pte Ltd ABC Maintenance Pte Ltd, ABCMPL was established in 1996 by two brothers, start as a family business and incorporated as private limited in 2001. They are providing refuse removal service, recycling and general cleaning service. They started with a few trucks and open top containers has now over 35 garbage trucks, many numbers of refuse compactors and containers and over 250 devoted employees. They are currently serving over 400 customers, including government organizations, hotels, shopping...
Words: 3218 - Pages: 13
...important decisions that must be taken when selecting from a range of projects is which method(s) of Capital Budgeting a company will opt for in order to arrive at the final proposed solution. “Investment decisions must be consistent with the objectives of the particular business. For a private sector business, maximising the wealth of the owners (shareholders) is usually assumed to be the key financial objective.” (Atrill and McLaney, 2009, p. 259) As a company exists primarily to increase the wealth of the stakeholders it should only invest capital to implement a project when the outcome will result in benefits that exceed the cost of the investment. Appraisals need to be carried out in order to select the project which provides the best return on that investment. Capital Budgeting is the process of appraising these projects in order to select the project most suited to the company‟s strategy. The purpose of this report is to discuss four methods of appraisal (Payback Period, Accounting Rate of Return, Net Present Value and Internal Rate of Return). A case study describes each of these appraisal processes when applied to the requirement to purchase one printing press, to be selected from two qualifying contenders. This is achieved through an in-depth appraisal analysis coupled with a review of sensitivity analysis, in turn followed by an assessment of installation risks that could adversely affect the appraisal process. “Budgeting and cost management is the estimating of costs...
Words: 4484 - Pages: 18
...misapplication of capital investment appraisal techniques Colin Drury Professor, University of Huddersfield, Huddersfield, UK Mike Tayles Lecturer, University of Bradford, Bradford, UK Surveys of capital budgeting practices in the UK and USA reveal a trend towards the increased use of more sophisticated investment appraisals requiring the application of discounted cash flow (DCF) techniques. Several writers, however, have claimed that companies are underinvesting because they misapply or misinterpret DCF techniques. Such claims have been made on the basis of observations in only a few companies, or anecdotal evidence, without any supporting statistical evidence. Reports on a recent survey conducted by the authors which suggests that many UK firms are guilty of misapplying DCF techniques. Also provides evidence relating to some issues that have not been thoroughly examined in previous studies, namely the impact of company size and the relative importance that firms attach to different investment appraisal techniques. An examination of the surveys of capital budgeting practices that have been undertaken during the past 20 years in both the UK and USA reveals a trend towards a continuing increase in the use of more sophisticated capital budgeting techniques. In a longitudinal survey of capital budgeting practices of large UK companies between 1975 and 1992 Pike (1996) reported a substantial increase in the usage of discounted cash flow (DCF) and risk appraisal techniques. In 1975 32 per cent...
Words: 6213 - Pages: 25
...MANAGEMENT TECHNOLOGY HUMAN RESOURCE MANAGEMNET (MG-540) SPRING 2013 TITLE: (TERM PROJECT: PERFORMANCE EVALUATION AND APPRAISALS) ASSIGNMENT NO/WAC #: (3) SECTION: DATE OF SUBMISSION: SESSION OF SUBMISSION: YOUR PROGRAM: ID 130580210-01 130580210-02 130580210-03 130580210-04 (EXEC) 31/12/2013 13 MBA EXEC S. # (Ascending Order) 1 2 3 4 LEAVE BLANK FULL NAME (AS PER ROSTER ATIF IQBAL RIAZ MASOOD ZEESHAN RIAZ ARSALAN ZAFAR FOR GRADING: COMMENTS: MARKS SECURED: Disclaimer This project report has been prepared by the authors as Students of Human Resource management in “University of management and Technology Lahore” in cooperation with the “HR Department of Shokhat khanam memorial cancer hospital Lahore” for academic purposes only. The views expressed in the report are personal to the students and do not necessarily reflect the view of the hospital or any of its staff or personnel and do not bind the Hospital in any manner. This report is the intellectual property of the university and Hospital and the same or any part thereof may not be used in any manner whatsoever, without express permission of the mentioned authorities in writing. HR PROJECT – PERFORMANCE EVALUATION & APPRAISALS Page 2 Acknowledgments Our first and sincere appreciation goes to Mr.Syed Aly Raza, our subject instructor, for all we have learned from him and for his continuous help and support in all stages of this project. We would also like to thank him for being an open person to ideas, and for...
Words: 3764 - Pages: 16
...Quality: A Better Metric for Decision Making By Definition Cost of Quality is (Prevention + Appraisal + Failure Costs)/ Total engineering Effort expressed in percentage. Prevention Cost: All the efforts the team puts to prevent poor quality in product or services. Efforts Spent on, Regular Team Meetings Quality Planning Trainings Quality Improvement Meetings Appraisal Cost: “To appraise someone” is to assess something/ someone. So, Appraisal Cost is associated with measuring, evaluating or auditing the service or Product to ensure compliance with defined standards and requirements. Efforts Spent on, Inspection and Review Efforts Testing Audits Efforts spent on Calibration of Equipment Failure Costs: As the name says it is the effort associated with defects and the time to fix them. Internal Failure: Efforts spent in fixing the defects that were identified in internal reviews or QC team (Subjective to the Project). External Failure: Efforts spent in fixing the defects that were identified by the Customer. The Below Table should give a rough Idea about how Cost of Quality is Influencing the Project Total Engineering Effort Prevention cost Appraisal Cost Internal Failure cost External Failure cost Cost of Quality (%) Project 1 1800 620 800 30 140 88.33 Project 2 3700 520 350 120 30 27.57 Project 3 700 70 35 10 0 16.43 • Assumptions: All three projects have same – No of resource, SDLC, Environment. Only the scope differs based on which the team...
Words: 515 - Pages: 3
...1.1 INTRODUCTION Appraisal of performance is widely used in society. Usually parents will assess children and top management will assess employees. The history of performance appraisal is quite brief. Its roots in the early 20th century can be traced to Taylor's pioneering Time and Motion studies. But this is not very helpful, for the same may be said about almost everything in the field of modern human resources management. However formal evaluation of employees is believed to have been adopted for the first time during the First World War at instance of Walter dill Scott, the US army adopted the ‘man to man’ rating system for evaluating military personnel. During 1920 to 1930 hourly paid workers in industrial units were evaluated on the basis of rating sources. This early appraisal system was called merit rating. In early fifties performance appraisal techniques began to be used for technical, professional, & managerial personnel. A performance appraisal is a part of guiding and managing career development. It is the process of obtaining, analyzing, and recording information about the relative worth of an employee to the organization. Performance appraisal is an analysis of an employee's recent successes and failures, personal strengths and weaknesses, and suitability for promotion or further training. It is also the judgment of an employee's performance in a job based on considerations other than productivity alone. Performance appraisal is the process of determining...
Words: 10610 - Pages: 43
...May IJMIE Volume 2, Issue 5 ISSN: 2249-0558 2012 ___________________________________________________________ Credit Appraisal System in Allahabad Bank Dr..Rosy Kalra* __________________________________________________________ Finance is required at every stage of business either for meeting day to operations or for starting up a new project. One of the important sources of raising finance is loans from banks. Commercial lending is one of the prime functions of any bank. But how does the bank appraises the creditworthiness of a borrower? What are the criterions to be fulfilled for granting loans? What are the tools used by the banks to appraise the loan proposal? These questions are being answered in this paper. This paper describes the credit appraisal process followed in Allahabad Bank. * Assistant Professor, Department of Accounting and Finance, Amity Business School, Amity University, Noida. A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories Indexed & Listed at: Ulrich's Periodicals Directory ©, U.S.A., Open J-Gage as well as in Cabell’s Directories of Publishing Opportunities, U.S.A. International Journal of Management, IT and Engineering http://www.ijmra.us 537 May IJMIE Volume 2, Issue 5 ISSN: 2249-0558 2012 ___________________________________________________________ Companies can avail a variety of credit facilities from banks for meeting the requirement...
Words: 6141 - Pages: 25
...HRM Project Performance Appraisal System in Accenture A critique of the performance appraisal system in Accenture 2011 Santanu Chowdhury (PGP14/297), Abhijeet Yadav (PGP14/256), Kulbhushan Baghel (PGP14/278), Gaurav Patil (PGP14/272), Udit Kapoor (PGP14/309, Pranay Khera (PGP14/320) Section E Group 5 3/14/2011 Contents Acknowledgment 3 Introduction 3 Importance of the issue 3 Performance Appraisal System in Accenture 4 Interview and Survey 6 1. Set the performance objectives and standards 6 2. Communicate the objectives, standards and expectation to the employees 7 3. Measuring the performance 9 A. Self Input of performance by the employee 10 B. Supervisor input on employee performance 11 C. Supervisor’s Qualitative Assessment 13 4. Feedback by supervisor 15 5. Feedback is stored in the system 16 Recommendation 18 Appendix 18 Acknowledgment We, gratefully acknowledge the guidance, help and valuable suggestions received from Prof. T N Krishnan. We would like to thank him for his valuable advice and guidance. We would also like to thank the employees and ex-employees of Accenture India who has given us interview and have taken part in our survey of Accenture performance appraisal system thereby aiding us in the successful completion of the project. Introduction Accenture is a global management consulting, technology consulting and outsourcing firm with a workforce of 177000 employees around the world. In India, Accenture...
Words: 2336 - Pages: 10
...SECONDARY SCHOOL PROJECT PROJECT COMPLETION REPORT COUNTRY DEPARTMENT NORTH REGION FEBRUARY 2001 TABLE OF CONTENTS Page TABLE OF CONTENTS, ABBREVIATIONS AND ACRONYMS, EXECUTIVE SUMMARY, CONCLUSIONS AND RECOMMENDATIONS (i-vi) 1. 2. INTRODUCTION PROJECT OBJECTIVE AND FORMULATION 2.1 2.2 2.3 Sector Goal Project Objectives Project Description 1 1 1 1 1 3 3 3 5 5 6 7 7 8 9 9 9 9 9 10 10 10 10 11 3. PROJECT EXECUTION 3.1 3.2 3.3 3.4 3.5 Modifications Implementation Schedule Reporting Procurement Financial Sources and Disbursement 4. PROJECT PERFORMANCE 4.1 4.2 4.3 4.4 Overall Assessment Institutional Performance Operational performance Performance of Consultants and Suppliers 5. SOCIAL AND ENVIRRONMENTAL IMPACT OF THE PROJECT 5.1 5.2 5.3 Social Impact The Impact on Women Environmental Impact 6. 7. PROJECT SUSTAINABILITY PERFORMANCE OF THE BANK AND THE BORROWER 7.1 7.2 Performance of the Bank Performance of the Borrower 8 CONCLUSIONS, LESSONS LEARNT AND RECOMMENDATIONS 14 8.1 8.2 8.3 Conclusions Lessons Learnt Recommendations 14 14 15 ____________________________________________________________________________ MR. T.P. SEYA (Chief Education Expert) and MR. SURESH MUNBODT, UNESCO Consultant, following their mission to Egypt in April 2000 prepared this project completion report. Enquiries should be addressed to Mr. Bisi OGUNJOBI, Director, OCDN (Ext. 4040) and Ms. Z.B. EL BAKRI, Manager, OCDN.3. LIST OF ANNEXES I II III IV Location of the Project Outputs Annual...
Words: 9845 - Pages: 40
... Masters Of Commerce (Part I) PERFORMANCE APPRAISAL Name of the Student:__________________________ Seat No.: _______________ Name of the Guide: ___________________________ Date: ___________________ DECLARATION I, Yusuf Kunda of LalaLajpatrai Collegeof Commerce & Economics, of M.Com (Part I) hereby declare that I have completed this project on Performance Appraisal in the academic year 2012-2013. The information submitted is true and original to the best of my knowledge. Signature of the Student CERTIFICATE This is to certify that student, YUSUF KUNDA of M.Com (Part I) has successfully completed the project on PERFORMANCE APPRAISAL under our supervision and this is the result of his earnest work. The information given by him in this project is original and true to the best of our knowledge. Date: Signature of the Signature of the Principal Project Co-ordinator of the College Signature of the Signature of the External Course Coordinator Examiner ACKNOWLEDGEMENT It has always been my sincere desire as a management student to get an opportunity to express my views, skills, attitude and talent in which I am proficient. A project is one such avenue through which a student does something creative. This project has given me the chance to get in touch with the...
Words: 6178 - Pages: 25
...AN APPRAISAL OF CAPITAL BUDGETING TECHNIQUES (A CASE STUDY OF FORTHRIGHT SECURITIES AND INVESTMENT LIMITED, MARINA, LAGOS) BY OLOJOTUYI OLUFEMI O. FPA/AC/09/3-0101 BEING A PROJECT REPORT SUBMITTED TO THE DEPARTMENT OF ACCOUNTANCY SCHOOL OF BUSINESS STUDIES, THE FEDERAL POLYTECHNIC, ADO EKITI EKITI STATE IN PARTIAL FULFILLMENT OF REQUIREMENTS FOR THE AWARD OF HIGHER NATIONAL DIPLOMA IN ACCOUNTANCY DECEMBER, 2011. CERTIFICATION This is to certify that this research project was duly carried out by OLOJOTUYI OLUFEMI O. of the Department of Accountancy, School of Business Studies Federal Polytechnic, Ado Ekiti, Ekiti State and accepted as meeting part of the requirements for the award of Higher National Diploma in Accountancy. ……………………………… ……………………………. MR. UCHEFUNA D.I MRS. M. OLOWOLAJU Project supervisor H. O.D Accountancy …………………………….. …………………………….. DATE DATE DEDICATION This project work is dedicated to Almighty God and to my parent Mr. and Mrs. Olojotuyi. ACKNOWLEDGEMENT I give glory to God, for his guidance, protection and strength throughout the period of this project work. Thanks to my supervisor, Mr. Uchefuna D.I who has been of tremendous help in guiding and encouraging me through this process. Furthermore, for his serious yet gentle commitment to the completion of this...
Words: 9223 - Pages: 37
...same work on the same job being done by two different people. Performance appraisals of Employees are necessary to understand each employee’s abilities, competencies and relative merit and worth for the organization. Performance appraisal rates the employees in terms of their performance. According to a prominent personality in the field of Human resources, "performance appraisal is the systematic, periodic and an impartial rating of an employee’s excellence in the matters pertaining to his present job and his potential for a better job." Performance appraisal is a powerful tool to calibrate, refine and reward the performance of the employee. It helps to analyze his achievements and evaluate his contribution towards the achievements of the overall organizational goals. Performance appraisal is necessary to measure the performance of the employees and the organization to check the progress towards the desired goals and aims. Performance appraisal continues to be a subject of interest and importance to human resource specialists. For decades, performance appraisal has received considerable attention in the literature, from both researchers and practitioners alike. The latest mantra being followed by organizations across the world is "get paid according to what you contribute" – the focus of the organizations is turning to performance management and specifically to individual performance. Performance appraisal helps to rate the performance of the employees and evaluate their contribution...
Words: 1044 - Pages: 5
