A
Project on EXIM BANK SUBMITTED BY "student name" Roll No : 50
T.Y.B.B.I. SEMESTER - V PROJECT GUIDE PROF. .........
SUBMITTED TO UNIVERSITY OF MUMBAI RAJASTANI SAMME!AN"S G#$n%#&$'($% S$r$) Co**e+e of Arts & Commerce Commerce Aliated to Universit of !umai Reaccredited Reaccredited NAAC NA AC #it$ %A% rade '.(.. Road) !alad *+est, '.( !umai - 000/
A.1. 20/ - 3
A Project on EXIM BANK SUBMITTED BY "student name" Roll No : 50
T.Y.B.B.I. SEMESTER - V PROJECT GUIDE PROF. .......
SUBMITTED TO UNIVERSITY OF MUMBAI RA4A'6AN7 RA4A'6AN7 'A!!89AN%' 'A!!89 AN%'
G#$n%#&$'($% S$r$) Co**e+e of Arts & Commerce Commerce Aliated to Universit of !umai Reaccredited Reaccredited NAAC NA AC #it$ %A% rade '.(.. Road) !alad *+est, '.( !umai - 000/
2
A.1. 20/ - 3
RA4A'6AN7 RA4A'6AN7 'A!!89AN%' 'A!!89 AN%'
G#$n%#&$'($% S$r$) Co**e+e of Arts & Commerce Commerce Aliated to Universit of !umai Reaccredited Reaccredited NAAC NA AC #it$ %A% rade '.(.. Road) !alad *+est, '.( !umai - 000/ A.1. 20/ - 3
CERTIFICATE $is is to certif t$at !rs. "student name" Roll Roll no : 50 of $ird 1ear .com *an;in< & 7nsurance, 'emester ( $as 'uccessfull com=leted t$e =ro>ect on "8?7! AN@ " under t$e
Pro>ect
uide
:
Princi=al : ate :
8Bternal 8Baminer :
Colle
'eal :
ate :
DEC!ARATION 7) "student name" a 'tudent of $ans$amdas 'araf Colle
ect =ro>ect on "8?7! AN@" 7n t$e academic 1ear 20/-203. $is 7nformation is true and ori
ate
:
'i
ACKNO,!EDGEMENT o o list #$o all $ave $el=ed me in dicult ecause t$e are so numerous and t$e de=t$ is so enormous.
7
#ould
li;e li;e
to
ac;no#led< ac;no#led
t$e
c$annels and fres$ dimensions in
follo#in< follo#in<
as ein<
idealistic idealistic
t$e com=letion of t$is =ro>ect.
7 ta;e ta;e t$is o==ortunit o==ortunit to t$an; t$e universit universit
of !umai !umai for
ect.
7
#ould
li;e
to
t$an;
m
Princi=le
r.
'u>ata
@arma;ar
for
=rovidin< t$e necessar facilities reDuired for com=letion of t$is =ro>ect.
7 ta;e t$is o==ortunit to t$an; our C$ief Coordinator r. 9i=i !u;$er>ee and Course Coordinator Prof. Urvi 4ain for t$eir moral su==ort and
5
7
#ould also li;e
to eB=ress
m
sincere
to#ards
m
Pro>ect uide Prof. ........ #$o%s ect successful.
7 #ould li;e to t$an; m Colleect.
EXECUTIVE SUMMARY $is =ro>ect is aout t$e 8B=ort 7m=ort an;. $e 8B=ort and 7m=ort usiness
in
7ndia
$as
develo=ed
tremendousl.
7t
consist
t$e
information related to eB=ort and 7m=ort. $e information is divided in to dierent C$a=ter. 8?7! an; of 7ndia is a =ulic sector Gnancial institution estalis$ed on st 4an HI2. 7t started its o=eration #it$ t$e $ead oce in !umai on st !arc$) HI2. $e 8?7! an; #as mainl created for t$e =ur=ose of Gnancin< medium and lon<-term loans to eB=orters and t$ere =romotin< t$e countrs foreiect and services eB=orts and deferred =ament eB=orts *for amounts aove a certain value currentl U'J 00 million,. $e +or;in<
/
currenc) =rovides access to Gnance at t$e manufacturin< sta
OBJECTIVES OF STUDY • • •
o understand t$e conce=t of 8B=ort and 7m=ort usiness. o identif t$e sc$eme =reference of 8B=orters and 7m=orters. o s$o# t$e #ide ran
TE SCOPE OF STUDY Researc$er found t$e follo#in< sco=es: •
• •
o stud t$e a#areness amon< customers related to 8B=ort and 7m=ort usiness. Future =ros=ect of 8B=ort and 7m=ort. 7m=ortance of 8B=ort and 7m=ort usiness.
SOURCES OF DATA CO!!ECTION $e collection of data refers to a =lanned ect matter of t$e stud from t$e units under investiective and sco=e of t$e inDuir on one $and and availale of resources and time on t$e ot$er $and. ata ma e classiGed into =rimar and secondar data) de=endin< u=on t$e nature and mode of collection.
3
!ainl t$e data is collected from 'econdar data. 'econdar data: 'econdar data collected from t$e =ulis$ed ma
usiness ma
!IMITATION OF STUDY $e =resent stud #as not out of limitations. ut as an interns$i= student it #as a
7t is ver dierent to collect t$e information form various =ersonnel for t$e >o constrain.
•
an; =olic is not
•
ecause of t$e limitation of information some assum=tion ma e made. 'o t$ere ma e some =ersonal mista;e in t$e re=ort .
I
INDEX CAPTE R
PARTICU!ARS 8?8CU7(8 'U!!AR1 O48C7(8' OF 'U1 68 'COP8 OF 'U1 'OURC8' OF AA CO998C7ON 97!7A7ON OF 'U1
H
PAGE NO.
INDIAN BANKING SYSTEM . 7NROUC7ON
.2 1P8' OF AN@
. FUNC7ON' OF AN@
3
. 7!PORANC8 OF AN@
/
EXIM BANK 2. 7NROUC7ON
2.2 67'OR1 OF 8?7! AN@
2. FUNC7ON' OF 8?7! AN@
2. AC7(778' OF 8?7! AN@
5
2.5 O48C7(8' OF 8?7! AN@ :
5
2./ 8?7! AN@ - U'7N8'' PROF798
/
2.3 PO97C78' OF 8?7! AN@
2
STATISTICA! ANA!YSIS AND DATA INTERPRITATION . APPRO(A9'
23
.2 9OAN PORFO97O
2H
. R8'OURC8' ANA91'7'
0
. PROF7 8FOR8 A? AN AF8R A?
ANA91'7' .5
A9ANC8
RAN'F8RR8
O(. ANA91'7'
O
C8NRA9
./ OFF7C8' OF 8?7! AN@
0
0
CASE STUDIES . CA'8 'U1
/
.2 7'CU''7ON AN 7N8RPR8A7ON
I
. CONC9U'7ON
0
. 797ORAP61
2
.5 +8 '78'
2
CAPTER 1 INDIAN BANKING SYSTEM . INTRODUCTION 1 A an; is a Gnancial institution t$at =rovides an;in< and ot$er Gnancial services to t$eir customers. A an; is
of
t$e
traditional
distinctions
et#een
an;s)
insurance
com=anies) and securities Grms $ave diminis$ed. 7n s=ite of t$ese c$an
De2n3t3on o) 4$n5% 1 Accor(3n+ to ,$*ter !e$) MA an; is a =erson or cor=oration #$ic$ $olds it out to receive from t$e =ulic) de=osits =aale on demand c$eDue. 6orace +$ite $as deGned a an;) Mas a manufacture of credit and a mac$ine for facilitatin< eBc$an
Accor(3n+ to Pro). K3n*e& MA an; is an estalis$ment #$ic$ ma;es to individuals suc$ advances of mone as ma e reDuired and safel made) and to #$ic$ individuals entrust mone #$en not reDuired t$em for use.
2
. TYPES OF BANK
. Centr$* B$n5 A central an; functions as t$e a=eB controllin< institution in t$e an;in< and Gnancial sstem of t$e countr. 7t functions as t$e controller of credit) an;erKs an; and also en>os t$e mono=ol of issuin< currenc on e$alf of t$e
. Co''erc3$* B$n5% 7t o=erates for =roGt. 7t acce=ts de=osits from t$e
- Acce=tance of de=osits from =ulic - For t$e =ur=ose of lendin< or investment - Re=aale on demand or lendin< or investment. +it$dra#al means of an instrument) #$et$er a c$eDue or ot$er#ise. Anot$er distin
/. De6e*o7'ent B$n5% 7t is considered as a $rid institution #$ic$ comines in itself t$e functions of a Gnance cor=oration and a develo=ment cor=oration. $e also act as a cataltic aect ideas) underta;in< feasiilit studies and also =rovide tec$nical) Gnancial and manaect. 7n 7ndia 7ndustrial evelo=ment an; on 7ndiaK *77, is t$e uniDue eBam=le of develo=ment an;. 7t $as een desi
0. Co-o7er$t36e B$n5% $e main usiness of co-o=erative an;s is to =rovide Gnance to a
'$ort term) !edium-term) 9on< term credit. $e former $as a t$ree tier structure consistin< of state
8. S7ec3$*39e( B$n5% $ese an;s are estalis$ed and controlled under t$e s=ecial act of =arliament. $ese an;s $ave or
an; is National an; for A
:. In(3+eno;% B$n5er% $at unor
<. R;r$* B$n53n+ A set of Gnancial institution en
=. S$63n+ B$n5% $ese an;s =erform t$e useful services of collectin< small savin
>. E?7ort - I'7ort B$n5 $ese an;s $ave een estalis$ed for t$e =ur=ose of Gnancin< forei
5
@. Fore3+n E?c#$n+e B$n5% $ese an;s Gnance mostl to t$e forei
$e also u
and
self-forei
$el=
usinessmen to convert t$eir mone into an forei
. Intern$t3on$* B$n5% $e asic list of t$ose 7nternational an;s #it$in 7ndia #$ic$ $el= t$e an;in< sector of 7ndia to develo= in 7nternational mar;et.
/
./ FUNCTIONS OF BANK 1
PRIMARY FUNCTIONS . Acce7t3n+ De7o%3t% 1 $e most im=ortant function of commercial an;s is to acce=t de=osits from =ulic. $is is t$e =rimar functions of a commercial an;. an;s receives t$e idle savin
3
3 S$63n+ B$n5 De7o%3t% 1 $is t=e of de=osits suit to t$ose #$o >ust #ant to ;ee= t$eir small savin
33 C;rrent De7o%3t% 1 $is t=e of account are
333 F3?e( De7o%3t% 1 $ese are also ;no#n as time de=osits. 7n t$is account a GBed amount is de=osited for a GBed =eriod of time. e=osits are =aale after t$e eB=ir of t$e sti=ulated =eriod. Customers ;ee= t$eir mone in GBed de=osits #it$ t$e an; in order of earn interest. $e an;s =a $i<$er interest on GBed de=osits. $e rates de=end u=on t$e len
36 Ot#er De7o%3t%
1
an;s also =rovide de=osit facilities to
dierent t=e of customers o=enin< dierent account. $e also o=en. 6ome 'afe AccountK for $ouse#ife or ver small savers.
I
$e ot$er accounts are 7ndeGnite Period e=osit aQcK) Recurrin< e=ositK aQcK Retirement 'c$emeK etc.
. A(6$nc3n+ o) !o$n% 1 $e second main function of t$e commercial an; is to advance loans. !one is lent to usinessmen and trade for s$ort =eriod onl. $ese an;s cannot lend mone for lon< =eriod ecause t$e must ;ee= t$emselves read to meet t$e s$ort term de=osits. $e an; advances mone in an one of t$e follo#in< forms .
3 O6er(r$)t% 1 Customers of ust to =rovide tem=orar accommodation save t$e eBtra amount #it$dra#n is =aale #it$in a =eriod. $e amount allo#ed in overdraftK varies from customer to customer de=endin< on t$is Gnancial condition.
33 !o$n% 1 9oans are
H
#it$ t$e an; *and t$e loan amount, and t$us a de=osit is createdK in t$e oo;s of t$e name in t$e an;.
333 C$%# Cre(3t 1 7t is an arran
36D3%co;nt3n+ B3**% 1 7t is anot$er im=ortant #a of
SECONDARY FUNCTION /. A+enc& Ser63ce% 1 !odern an;s render service to t$e individual or to t$e usiness institutions as an a
0
*iii, A an; also us and sells securities on e$alf of its customers. 7t also not c$ar
0. Ot#er Ser63ce% 1 A 'o(ern 4$n5 no $ ($& %er6e% 3t% c;%to'er% 3n '$n& ot#er $&%1 *i, A an; issues =ersonal and commercial letters of credit. $rou<$ t$ese letters of credit customers are ale to eneGt t$emselves out of t$e su=erior credit of t$e an;. *ii, A an; also $el=s in t$e transaction of forei
.0 IMPORTANCE OF BANK
an;s =la an im=ortant role in t$e economic
an;s =lain< attractive interest rate on de=osits tr to =romote t$rift and savin
♦
=roductive c$annel results in ca=ital formation. $e scattered small savin
♦
entre=reneurs) an; $el= in increasin< =roductivit of ca=ital. an;s $el= in remittin< mone from one =lace to anot$er. $e c$eDue) an; draft) letter of credit) ills) $undies enale traders to
♦
transfer lar
♦
increase t$e su==l of mone t$rou<$ credit creation +it$ t$e
♦
countr $as increased to a considerale eBtent. $e an;s $el= in ca=ital formation in t$e countr. A $i<$ rate of
♦
savin< and investment =romote ca=ital formation. !one de=osited in t$e an; and ot$er =recious items are no# asolutel safe. For ;ee=in< valuales) an;s are =rovidin< loc;er facilities. No# =eo=le are free from an t=e of ris;s.
2
CAPTER 1 EXIM BANK
. INRODUCTION 1 $e 8B=ort-7m=ort an; of 7ndia *8Bim an;, com=leted 2 ears of o=erations in !arc$ 200/. 7t #as estalis$ed an Act of Parliament ;no#n as t$e 8B=ort-7m=ort an; of 7ndia Act HI and commenced o=erations in !arc$ HI2. 8Bim an; is #$oll o#ned t$e overnment of 7ndia. 8Bim an; #as set u= for t$e =ur=ose of Gnancin<) facilitatin< and =romotin< forei
=rovide Gnancial assistance to eB=orters and im=orters and for functionin< as t$e =rinci=al Gnancial institution for coordinatin< t$e #or;in< of institutions en
of Reserve an;
of 7ndia) C$airmen
of 77)
8CC)
Re=resentatives of t$e !inistries of Finance) Commerce) 7ndustr) 8Bternal Aairs and Plannin<) C$airmen of sc$eduled an;s and =rofessionals from trade and industr. Over t$e ears) 8Bim an; $as develo=ed 5 lendin<
=ro
coverin< all sta
. ISTORY OF EXIM BANK 1 8?7! an; 9td. #as estalis$ed under t$e rules and rean @air) founder c$airman. 6e $ad a lon< eB=erience as a
ot$ of t$em $ave lon< eB=erience in Gnancial sector of our countr. t$is =ra
./ FUNCTIONS OF EXIM BANK 1 T#e 3'7ort$nt );nct3on% o) E?3' B$n5 $re $% )o**o%1 *i, 7t =rovides direct Gnancial assistance to eB=orters of =lant) mac$iner and related service in t$e form of medium-term credit. *ii, Under#ritin< t$e issue of s$ares) stoc;s) onds) deentures of an com=an en
.0 ACTIVITIES OF EXIM BANK 1 8B=ort-7m=ort an; of 7ndia =las t$e role of source of Gnance) =romoter) coordinator and consultation to 7ndiaKs Foreiects) service eB=orts and deferred =ament eB=orts. $is
5
s=onsored 8Bim an; or commercial an;s and o=erates as a sin
.8 OBJECTIVES OF EXIM BANK 1 $e main o>ective of t$e stud is to eBamine and eB=lore t$e mar;etin< =ractices and =olicies of 8?7! an; anectives of t$e stud can e divided into t#o asic =arts: Primar o>ectives of t$e stud are:
♦
o eB=lore t$e ma>or mar;etin< =olicies and =ractices of 8?7! an;. o eBamine $o# Man; !ar;etin< is a==lied 8?7! an;
♦
an
♦
♦ ♦ ♦ ♦ ♦
8?7! an; conductin< a M'+O analsis. o assess t$e mar;etin< miB strate
'econdar o>ectives of t$e stud are: ♦ ♦ ♦
o eB=lore t$e cor=orate mission of 8?7! an; an
.: EXIM BANK - BUSINESS PROFI!E TE OPERATIONS ARE GROUPED AS BE!O, EXPORT CREDITS • an; =rovides eB=orts of 7ndian mac$iner) manufactured
/
•
9ines of creditQuer%s credits are eBtended to overseas entities i.e.
eB=ort of ect Finance 2. rade Finance
EXPORT CAPABI!ITY CREATION • 8B=ort Product evelo=ment • 8B=ort !ar;etin< Finance • 8B=ort Oriented Units . Pro>ect Finance 2. +or;in< Ca=ital . Production 8Dui=ment Finance • 8uro=ean Communit 7nvestment Partners *8C7P, • Asian Countr 7nvestment Partners *AC7P, • Overseas 7nvestment Finance • 8B=ort Facilitation Pro
SUPPORTING GROUPS . 2. . . 5. /.
Plannin< & Researc$ Cor=orate Finance 9e
FINANCE BY EXIM BANK 1 8?7! 7N7A oers a ran
3
ears evolved) so as to antici=ate and meet t$e s=ecial needs of a develo=in< countr. $e an; =rovides com=etitive Gnance at various sta
an; Gnances eB=orts of 7ndian mac$iner)
manufactured ects #it$ ects. $e an; is involved in =romotion of t#o-#a tec$nolo< transfer t$rou<$ t$e out#ard o# of investment in 7ndian >oint ventures overseas and foreioint ventures in 7ndia t$rou<$ tec$nical and Gnancial collaoration #it$ medium siEed Grms of t$e 8uro=ean Union.
SERVICE PROVIDED BY EXIM BANK 1 . E?7ort Cre(3t •
Pre-s$i=ment credit
•
'u==lier%s credit
•
For Pro>ect eB=orters
•
For 8B=orters of consultanc and tec$nolo
•
uarantee facilities
•
For commercial an;s
•
For Overseas entities it =rovides uerKs Credit
. F3n$nce )or E?7ort Or3ente( Un3t%
I
erm Finance *For 8B=ortin< Com=anies, Pro>ect Finance 8Dui=ment Finance 7m=ort of ec$nolo< & Related 'ervices omestic AcDuisitions of usinessesQcom=aniesQrands 8B=ort Product evelo=mentQ Researc$ & evelo=ment eneral Cor=orate Finance +or;in< Ca=ital Finance *For 8B=ortin< Com=anies, • • • • • • •
/. O6er%e$% In6e%t'ent F3n$nce •
Finance for 7ndian Com=an%s eDuit =artici=ation in t$e overseas 4oint (enture *4(,Q +$oll O#ned 'usidiar *+O',
•
irect Finance *erm & +or;in< Ca=ital, to t$e overseas 4( Q +O'
•
Finance for acDuisition of overseas usinesses Q com=anies
•
irect 8Duit 8Bim an; in t$e overseas 4(Q +O' of an 7ndian Com=an
0. SME A+r3 2n$nce •
8?7! an; $as a dedicated A
of eB=ort
oriented com=anies
dealin<
in
a
Financial assistance is =rovided #a of term loans) =res$i=mentQ=ost-s$i=ment credit overseas uers% credit) ul; im=ort Gnance)
•
$e an; $as stron< lin;a
•
A=art from Gnancin<) t$e an; also =rovides a ran
H
•
ie-u= #it$ a numer of commercial an;s for easier credit deliver
•
8?7! an; $as si
•
8Bim an; $as si
•
8Bim an; $as initiated discussion #it$ $andloom #eavers coo=erative societies in Fulia *+est en
8. E?7ort Ser63ce% •
7nformation and su==ort services to 7ndian com=anies to $el= im=rove t$eir =ros=ects for securin< usiness in multilateral aects
•
7nformation on Procurement uidelines) Policies) Practices of !ultilateral A
•
•
Assistance for Re
T3e-;7 3t# •
7nternational Finance Cor=oration) +as$in
20
•
8astern & 'out$ern African rade & evelo=ment an; *PA an;,
•
African !ana
M$n$+e'ent o) EXIM B$n5 1 For an Gnancial and non Gnancial or
P*$nn3n+:
8?7! an; $as done its =lannin< #it$in t$e =urvie# of t$e cor=orate =lan. $e overall =lannin< a==roac$ of 8?7! an; is o=-do#n. 8ac$ ranc$ can =lan accordin< to t$e
Or+$n393n+
8?7! an; is or
St$n+
2
$e recruitment of 8?7! an; is done in t#o #as. One as a M=roationar ocer for t$e manaos.
D3rect3n+ $n( contro**3n+ $e manaust see;s t$rou<$ lo#er mana
;'$n re%o;rce Pr$ct3ce% 3n EXIM B$n5 8m=loees are t$e core resources of an or
Recr;3t'ent $e set-vice rule of 8?7! an; states t$e recruitment =olic of t$e an;. 7n
22
ac$elors de
.< PO!ICIES OF EXIM BANK
2
. !OANS TO INDIAN COMPANIES 1 DEFERRED PAYMENT EXPORTS 1 erm Gnance is =rovided to 7ndian eB=orters of eli
#$ic$ enale t$em to oer deferred
uers. eferred
credit
can
also
cover
credit to overseas 7ndian
tec$nolo< and ot$er services. Commercial an;s
consultanc) =artici=ate in
t$is =ro
PRESIPMENT CREDIT : Finance is availale form 8Bim an; for com=anies eBecutin< eB=ort contracts involvin< ccle time eBceedin< siB mont$s. $e facilit also
enales
=rovision
of
ru=ee
moiliEation
eB=enses
for
constructionQturn;e =ro>ect eB=orters.
OVERSEAS INVESTMENT
FINANCE :
7ndian com=anies estalis$in< >oint ventures overseas are =rovided Gnance to#ards t$eir eDuit contriution in t$e >oint venture .
FINANCE FOR EXPORT MARKETING : $is =ro
#$ic$ is a com=onent
of a +orld an; loan) $el=s
eB=orters im=lement t$eir eB=ort mar;et develo=ment =lans
2
.
!OANS TO FOREIGN GOVERMENTS COMPANIES
AND FINANCIA! INSTITUTIONS OVERSEAS BUYER"S CREDIT: Credit is directl oered to forei
!INES OF CREDIT: esides forei
RE!ENDING FACI!ITY TO BANKS OVERSEAS : Relendin< facilit is eBtended to an;s overseas to enale t$em to =rovide term Gnance to t$eir clients #orld -#ide for im=orts from 7ndia.
/. !OANS TO COMMERCIA! BANKS IN INDIA EXPORT BI!!S REDISCOUNTING : Commercial an;s in 7ndia #$o are aut$oriEed to deal in forei
REFINANCE OF EXPORT CREDIT 1 Aut$oriEed dealers in forei
25
GUARANTEEING OF OB!IGATIONS : 8Bim an; =artici=ates #it$ commercial an; s in 7ndia in t$e issue of ects.
CAPTER / 1 STATISTICA! ANA!YSIS AND DATA INTERPRITATION ,e #$6e An$*&%e( t#e F3n$nc3$* Per)or'$nce o) EXIM BANK OF INDIA $n( t#e tot$* net 7ro2t tr$n%)er$4*e to t#e Centr$* Go6ern'ent. eneral Performance 7n $e 9ast 3 1ears
2/
PARAMETER
@@<-
@@=-
@= A77ro6$*%
2I05
CC/2I
Port)o*3o G;$r$ntee%
2I33/3
C.5/ .
@-
@-
@
@@-
/
CII.C
.33HI.
...
.HI
H
5
5CIIH
/.C5C
I
0
@> 5
!o$n
@@>-
0 CH0C5
.5/55I
3
@/-0
.I2/00
3.5HIC
55/
Port)o*3o C5.0
223C/
C0553
C2.03
.3..0
5C//I
000
.000
3000
20000
2C000
C05H.
C35H.
Re%er6e%
20/
2./I
2IC/
C2C02
C300C
.3H/
.550.
Borro3n+%
3/
C3202
.050I
.3HI
5./5.
/..I.
3.I2
/
I
P$3(-;7C$73t$*
C
Pro)3t A)ter
0
.33.
I 5C5
5IC/
/35
3.2C
30HI
T$?
efore analEin< t$e trend of t$e Gnancial statement of 8?7! AN@) #e s$ould Grstl tr to ;no# aout t$e dierent PARA!88Rs used
/. APPROVA!S 9oan a==roval asicall means t$e formal aut$oriEation of
23
or
Gr$7# 1 A77ro6$*% An$*&%3%1
2I
APPROVALS
/00000
500000
00000
00000
200000
00000
0 2003-0I 200I-0H 200H-0 200- 20-2 202- 20-
A==rovals : 2003-0I 2I05 200I-0H /2I5 200H-0 II0 200- II0
2H
20-2 H 202- HI5 20- I2/00
0
/. !OAN PORTF!IO 9oan Portfolio asicall s$o#s t$e amount of loan #$ic$ is
Gr$7# 1 !o$n Port)o*3o An$*&%3%1 LOAN PORTFOLIO
I00000 300000 /00000 500000 00000 00000 200000 00000 0 2003-0I
200I-0H
200H-0
200-
20-2
202-
20-
7n t$e aove
/./ RESOURCES ANA!YSIS RESOURCES
OF
EXIM
BANK
OF
INDIA
7n t$is
/.0
PROFIT AFTER TAX AND PROFIT BEFORE TAX
ANA!YSIS PROFIT BEFORE TAX AND PROFIT AFTER TAX ANALYSIS 2000
0000
I000
P
/000
PA 000
2000
0 2003-0I 200I-0H 200H-0 200- 20-2 202- 20-
*Amounts in millions, 7n 2003-0I P is 5 and PA is 0) 200I-0H P is /0 and PA is 33) 200H-0 P is 332 and PA is 55) 200- P is I/33 and PA is 5I/) 20-2 P is 02/ and PA is /35) 202-
P is 0III and PA is 32) 20- P is 0202 and PA is 30HI. 7n t$e aove G
efore commentin< u=on t$e Gnancial =erformance of t$e an; #e must loo; into 7NCO!8Q8?P8N7UR8 PROC8'' of t$e an;. $e re
O(8RN!8N as =rovided in t$e 8?POR-7!POR AN@ OF 7N7A AC) HI.
/.8
BA!ANCE
TRANSFERRED
TO
CENTRA!
GOVERNMENT ANA!YSIS BALANCE TRANSFERRED TO CENTRAL ,OVERNMENT ANALYSIS
000 500 000 2500 2000 500 000 500 0 2003-0I 200I-0H 200H-0 200- 20-2 202- 20-
2003-0I 00I 200I-0H 53 200H-0 500 200- I50 20-2 2050 202- 2/H0 20- H0
/.: OFFICES OF EXIM BANK 1 A netor5 o) 0 oce% 3n In(3$ $n( O6er%e$% Do'e%t3c Oce% 1 A$madaad) an
O6er%e$% Oce% 1 •
uda=est) 4o$annesur<) 9ondon) 'in
6ead Oce Centre +orld Cue
One rade Parade)
uildin<)
Floor
Centre !umai
2) Com=leB)
00
P$one: FaB:
005. 22I5232) 22I2532
8-mail: eBimcordVvsnl.com
CAPTER 0 CASE STUDIES 0. CASE STUDY 1 EXIM B$n5 o) In(3$ R$3%e% US 8@@ 'n )or 8.8 Ye$r Tenor $t $ co;7on o) /.8H Per $nn;' $e 8B=ort-7m=ort an; of 7ndia) successfull launc$ed a 5.5 ear Re< ' ond issue of U'J 500 mn on 4anuar ) 20/. $e issue attracted a total order oo; in eBcess of U' .25 n. t$ere ac$ievin< 2.5B oversuscri=tion of t$e issue siEe from over 0
investors. $e funds t$us raised #ill e used t$e an; to su==ort 7ndian =ro>ect eB=orts and overseas investment #a of lon< term credit. $e 5.5 ear U'J 500 mn 8urodollar ond issue #as =riced at /5 asis =oints over U' reasuries *U', at a GBed cou=on of .25S =.a. =rovidin< minimal N7P a
irector
of
8Bim an;) commented)
M$e
transaction #as =riced #it$ minimal ne# issue =remium amidst ver tentative mar;ets) #$ere most of t$e $i<$l rated) re=eat issuers from Asia $ave =aid $i<$er sin
of t$e ear and t$e s#ift intra-da eBecution allo#ed us to ta;e advanta
aims
to =romote 7ndiaKs international
trade and
investment. $e an; oers 7ndian com=anies a com=re$ensive ran
Parade)
22I2H3W
!umai
8-mail: 8Bim
00005. an;Ks
ele=$one
'tud
2232/)
$i<$li<$ts
Potential
FaB: for
8n$ancin< 7ndiaKs 8n
0. DISCUSSION AND INTERPRETATION T#e )o**o3n+ $re t#e 2n(3n+ o) t#e 7roject1 •
8?7! AN@ OF 7N7A is a #$oll overnment o#ned unit. $us $u
t$e an;) in return an;
t$en t$e P is t$e amount of return. $e 8?7! AN@ OF 7N7A $ad eB=ended ver $i<$ in t$e ear 20
-
for
68
9O''8'QCON7N8NC78')
PRO(7'7ON
8PR8C7A7ON
ON
FOR
9OAN)
7N(8'!8N'
#$ic$ is aout Rs.33)5I)H)5H5 more com=ared to t$e last ear 202-. ue to t$is t$e
ado=ted. A ver uniDue
#a
of
transfer
of
=rofit
to
C8NRA9
O(8RN!8N is seen. $e re
AN@ OF 7N7A AC) HIK. One t$in< is to e ta;en into account t$at t$e ORRO+7N' are t$e main source of R8'OURC8 for 8?7! AN@ OF 7N7A #$ic$ is increasin< ever ear) even after =ain< t$e $i<$ amount of interest and =art of t$e =rinci=al amount t$e institution is earnin< ver $i<$ amount of =rofits. $is clearl s$o#s t$e ri<$t future of t$e 8?7! AN@ OF 7N7A and its relevance in 8B=ort Financin<.
7n t$is =a=er #e $ave ta;en into account 8B=ort Financin< and ot$er factors contriutin< to t$e ectives of t$e 8?7! AN@ OF 7N7A. evelo=in< countries li;e 7ndia concentrates more on increasin< t$e value and volume of t$e eB=ort turnover to
attain
economic
develo=ments
to
=rovide
em=loment
o==ortunities to utiliEe all t$e availale resources and to finance for eB=orts. ut t$e eB=ort sector involves $i<$ amount of ris;. $e 7ndian eB=orters $ave to e =rotected from several t=es
of
ris;s involved in eB=ort usiness. 6ere 8?7! AN@ =las vital role. im=rovin< t$e =erformance of eB=ort) an; is in etter =osition to eBtend its services to all t=es of eB=orters effectivel. 8?7! an;in< of course) eBtend eond international an;in< #$ic$ in its narro# sense relates to deliver of trade =roducts and services to usiness and trade Customers. $us) $e 8?7! AN@ of 7ndia is re
0./ CONC!USION 1
!an economists ar
of
t$e
8?7!
an;
sector
to
t$e
develo=ment
of
transnational cor=orations. 7n t$is conteBt t$e evolution of t$e international
an;in<
came
as
a
res=onse
to
t$e
modern
=$enomenon of ca=ital #$ic$ oviousl
and
uctuationsW
limitin<
cross-order
controlsW
conservative an;in< la#s and re
#$ic$
=us$ed
for
os$ore
investment
and
$ave
em=$asiEed t$e im=ortance of t$at investment. $ese include: t$e need to =rovide for #$at is seen as t$e vulnerailit of =rofessionals and investors to creditorsW t$e desire to avoid ons$ore la#s and
re
0.0 BIB!IOGRAPY 1 •
7N8RNA7ONA9 AN@7N & F7NANC8
(i=ul Pra;as$an - a#rdan Natra>an •
7N8RNA7ONA9 AN@7N & F7NANC8
- @. (is$#anat$an •
7NNO(A7ON 7N AN@7N AN 7N'URANAC8
- Romeo '. !ancaren$as
0.0 ,EB SITES 1 •
###.+i;i=edia.com
•
###.AN'+8R'.CO!
•
###.8?7!.com
•
###.eBiman;india.in
•
###.ourarticlelirar.com
