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A PROJECT REPORT ON
A STUDY ON FINANCIAL PERFORMANCE AND POSITION OF

UNION BANK OF INDIA
Submitted in partial fulfilment of the requirements for the award of the degree
In
MASTERS IN BUSINESS ADMINISTRATION

Under the guidance of
Dr. JYOSHNA C, MBA, Ph.D.,

ASSOCIATE PROFESSOR / MANAGEMENT STUDIES
BY
MR. J T SUKUMAR
REGNO: 22751E0016
SREENIVASA INSTITUTE OF TECHNOLOGY AND

MANAGEMENT STUDIES, CHITTOOR-517127, A.P.
(Autonomous)
(Approved by AICTE, New Delhi & Affiliated to JNTUA, Ananthapuramu)
DEPARTMENT OF MANAGEMENT STUDIES

(2022-2024)
SREENIVASA INSTITUTE OF TECHNOLOGY AND
MANAGEMENT STUDIES, CHITTOOR-517127, A.P.
(Autonomous)
(Approved by AICTE, New Delhi & Affiliated to JNTUA, Ananthapuramu)
This is to certify that the project work entitled “A STUDY ON FINANCIAL

PERFORMANCE AND POSITION OF UNION BANK OF INDIA” is a genuine
work of MR. J T SUKUMAR, REG NO: 22751E0016.
Submitted to the department of Management studies, in partial fulfilment of the

requirements for the award of the degree in MASTERS in BUSINESS
ADMINISTRATION from Jawaharlal Nehru Technological University Ananthapur,
Ananthapuramu.
Signature of the Supervisor Signature of the Head of Department

Dr. JYOSHNA C, MBA, Ph.D., Dr. K. SUDARSAN, MBA, Ph.D.,
Associate Professor, Professor & HOD,
Department of Management Studies, Department of Management Studies,
Sreenivasa Institute of Technology and Sreenivasa Institute of Technology and
Management Studies, Chittoor, A.P. Management Studies, Chittoor, A.P.
Submitted for University Examination (Viva-Voce) held on……………………
INTERNAL EXAMINER EXTERNAL EXAMINER

ACKNOWLEDGEMENT
A Project of this magnitude would have not been possible without the guidance
and co-ordination of many people. I am fortune in having top quality people to help,
support and guide us in every step towards our goal.
I wish to express my sincere thanks to Dr. N. Venkatachalapathi,

B.Tech., MTech., Ph.D., PGDPE(CIPET)., PGDIRPM., F.I.E, Principal, SITAMS
for providing the opportunity to take up this Project.
I express my sincere gratitude to my guide, Dr. JYOSHNA C, MBA,

Ph.D., Associate Professor for her valuable guidance, and encouragement best owned
upon me in the preparation of this Project.
I also express my sincere thanks to Dr. K. SUDARSAN, M Com., MBA,

Ph.D., UGC-NET., HOD, Department of Management Studies, SITAMS for providing
opportunity to do this project.
I sincerely express my gratitude to Mr. A. Andrews, Bank Manager,

Union Bank of India, Bangarupallem for his continues support and guidance in
completing my project successfully.
I sincerely express my thanks to Dr. H. Viswa Kiran, Associate Professor
for his support and motivation to complete this Project successfully
I sincerely express my thanks to all my family members and friends, who help
to complete this Project successfully.
MR. J T SUKUMAR,
REG. NO.: 22751E0016
Course Outcomes for project work
On completion of project work we will be able to,
CO1. Apply the knowledge of management to define the research area, title and method.
(PO1)
CO2. Construct the research objectives in relation to the organizational objectives. (PO5)
CO3. Collect the suitable literature and data as a base for analytical and critical thinking
to solve research problem. (PO2)
CO4. Employ ethics and value based approach in carrying out project work. (PO3)
CO5. Document and communicate the research work in an effective way from various
environmental perspectives. (PO4)
CO6. Apply the knowledge in selected field of study to deduce the research findings and
Recommendations. (PO6/PO7/PO8)
CO – PO MAPPING
Particular PO1 PO2 PO3 PO4 PO5 PO6 PO7 PO8 PS01 PS02
Apply the knowledge of
management to define the
CO1 research area, title and 3 3
method.
Construct the research
CO2 objectives in relation to the 3
organizational objectives 3
Collect the suitable data as
a base for analytical and
CO3 critical thinking to solve 3 3
research problem
Employ ethics and value
CO4 based approach in carrying 3 3
out project work
Document and
communicate the research
CO5 work in an effective way 3 3
from various environmental
perspective
Apply the knowledge in
selected field of study to
CO6 deduce the research 3 3 3 3
findings and
recommendations
CO 3 3 3 3 3 3 3 3 3 3
ABSTRACT
The Indian banking sector, a pivotal element of the nation’s economy, has
undergone significant transformation due to technological advancements and enhanced
regulatory oversight by the Reserve Bank of India (RBI). Adopting the CAMEL model a
uniform financial rating system has become instrumental in evaluating the performance
of banks amidst intensifying competition. This study delves into the economic
performance of Union Bank of India (UBI), a government-owned public sector bank,
through the lens of the CAMEL model, which assesses five critical parameters: Capital
Adequacy, Asset Quality, Management Efficiency, Earning Capacity, and Liquidity
Position.
Our analysis reveals that while UBI maintains a robust capital base and liquidity
to support growth, areas require strategic improvement, particularly in Asset Quality and
Management Efficiency. The study suggests that enhancing the bank’s asset quality by
mitigating credit risk and reducing non-performing assets is imperative for profitability
and reputation. Simultaneously, elevating management efficiency can lead to better
operational outcomes and cost optimization.
i
TABLE OF CONTENTS
CHAPTER NO. TITLE PAGE NO.
ABSTRACT i
LIST OF TABLES iv
LIST OF FIGURES v
LIST OF ABBREVIATIONS vi
1 INTRODUCTION 1
1.1 INTRODUCTION 1-2
1.2 INDUSTRY PROFILE 3-9
1.3 COMPANY PROFILE 10-14
1.4 PRODUCT PROFILE 15-19
2 LITERATURE SURVEY 20
2.1 REIVEW OF LITERATURE 20-25
2.2 STATEMENT OF THE PROBLEM 26
2.3 CONCEPTUAL MODEL 27
3 RESEARCH METHODOLOGY 28
3.1 OBJECTIVES OF THE STUDY 28
3.2 NEED OF THE STUDY 29
3.3 SCOPE OF THE STUDY 30
3.4 LIMITATIONS OF THE STUDY 31
3.5 RESEARCH METHODOLOGY 32-40
ii
TABLE OF CONTENTS
CHAPTER NO. TITLE PAGE NO.
4 DATA ANALYSIS AND INTERPRETATION 41

4.1 DATA ANALYSIS AND INTERPRETATION 41-63
5 FINDINGS AND SUGGESTIONS 64

5.1 FINDINGS OF THE STUDY 64-65
5.2 SUGGESTIONS 66
5.3 CONCLUSION 67
REFERENCES 68-69
APPENDIX
iii
LIST OF TABLES
TABLE TITLE PAGE NO.
4.1 Capital adequacy ratio 41

4.2 Debt-Equity ratio 42
4.3 Advances to Assets Ratio 43
4.4 Government securities to Total Investments Ratio 44
4.5 Gross NPA to Net Advance Ratio 45
4.6 Net NPA to Net Advances Ratio 46
4.7 Total Investments to Total Assets Ratio 47
4.8 Net NPA to Total Assets Ratio 48
4.9 Total Advance to Total Deposits Ratio 49
4.10 Business per Employee Ratio 50
4.11 Profit per Employee Ratio 51
4.12 Asset turnover ratio 52
4.13 Net Interest Margin (NIM) to Total Assets Ratio 53
4.14 Net Profit Margin 54
4.15 Interest Income to Total Income ratio 55
4.16 Return on Equity 56
4.17 Liquidity Assets to Total Assets Ratio 57
4.18 Government Securities to Total Assets Ratio 58
4.19 Liquidity Assets to Total Deposits Ratio 59
4.20 Cash Ratio 60
4.21 Earning Per Share 61
4.22(a) Variables Entered/Removed 62
4.22(b) Model Summary 62
4.22(c) Anova 62
4.22(d) Coeffecients 63
iv
LIST OF FIGURES
FIGURE NO. TITLE PAGE NO.
1.1 Evolution of the Indian Banking Industry 4

1.2 Functions of banking 5
1.3 Structure of Indian bank 6
2.1 Conceptual model 26
4.1 Capital adequacy ratio 41
4.2 Debt-Equity ratio 42
4.3 Advances to Assets Ratio 43
4.4 Government securities to Total Investments Ratio 44
4.5 Gross NPA to Net Advance Ratio 45
4.6 Net NPA to Net Advances Ratio 46
4.7 Total Investments to Total Assets Ratio 47
4.8 Net NPA to Total Assets Ratio 48
4.9 Total Advance to Total Deposits Ratio 49
4.10 Business per Employee Ratio 50
4.11 Profit per Employee Ratio 51
4.12 Asset turnover ratio 52
4.13 Net Interest Margin (NIM) to Total Assets Ratio 53
4.14 Net Profit Margin 54
4.15 Interest Income to Total Income ratio 55
4.16 Return on Equity 56
4.17 Liquidity Assets to Total Assets Ratio 57
4.18 Government Securities to Total Assets Ratio 58
4.19 Liquidity Assets to Total Deposits Ratio 59
4.20 Cash Ratio 60
4.21 Earning Per Share 61
v
LIST OF ABBREVIATIONS
RBI Reserve Bank of India

UBI Union Bank of India
ROE Return on Equity
NNPA Net Non-performing Asset
ATR Asset Turnover Ratio
PPE Profit Per Employee
BPE Business Per Employee
NPR Net Profit Margin
NPA Non-performing Assets
IRR Interest Rate of Return
NIM Net Interest Margin
CAR Capital Adequacy Ratio
RWA Risk-Weighted Assets
EPS Earnings per Share
CR Cash Ratio
TA to TD Total Assets to Total Deposits
vi

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A PROJECT REPORT ON

A STUDY ON FINANCIAL PERFORMANCE AND POSITION OF

MASTERS IN BUSINESS ADMINISTRATION

Dr. JYOSHNA C, MBA, Ph.D.,

SREENIVASA INSTITUTE OF TECHNOLOGY AND

DEPARTMENT OF MANAGEMENT STUDIES

This is to certify that the project work entitled “A STUDY ON FINANCIAL

Submitted to the department of Management studies, in partial fulfilment of the

Signature of the Supervisor Signature of the Head of Department

Submitted for University Examination (Viva-Voce) held on……………………

INTERNAL EXAMINER EXTERNAL EXAMINER

I wish to express my sincere thanks to Dr. N. Venkatachalapathi,

I express my sincere gratitude to my guide, Dr. JYOSHNA C, MBA,

I also express my sincere thanks to Dr. K. SUDARSAN, M Com., MBA,

I sincerely express my gratitude to Mr. A. Andrews, Bank Manager,

CHAPTER NO. TITLE PAGE NO.

CHAPTER NO. TITLE PAGE NO.

4 DATA ANALYSIS AND INTERPRETATION 41

5 FINDINGS AND SUGGESTIONS 64

TABLE TITLE PAGE NO.

4.1 Capital adequacy ratio 41

FIGURE NO. TITLE PAGE NO.

1.1 Evolution of the Indian Banking Industry 4

RBI Reserve Bank of India

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