Punjab National Bank : An Indian Financial Services Company

The effective control of cost of funds and operating and administrative expenses has resulted in continuously growing trend in profit margin. Both the slightly increasing in total assets turnover trend and highly growing trend in profit margin trend has resulted in continuously improving ROA (Return on Assets). The broadening of equity base and high retention ratio has resulted in growing trend in owner equity. The bank average collection period has dropped which shows the efficiency of the bank.

ICICI bank has a strong presence in India due to a huge network of 3880 Branches and 12269 ATM's across PAN India

It has more than 3,000 shareholders overall the country, and the composition of the shareholders are the public mainly farmers, cooperatives, unions and businessmen. The paid-up capital of the Bank reached Birr 524.1 Million as of April 30, 2015 and its subscribed capital is Birr 565.2 Million.

Askari Bank Limited is a commercial and retail bank in Pakistan. It was incorporated in Pakistan on October 9, 1991, as a public limited company. In April 1, 1992, it started working and principally engaged in the banking business as defined in banking Companies ordinance, 1962. The Bank is listed on Pakistan Stock Exchange. From the beginning, the bank service quality, technology and investment in human development, its extensive branch network and the Islamic Bank for Agriculture has concentrated on taking advantage of the growth. Askari bank does business with an essential way of Corporate Social Responsibility. To meet its goal the bank encourage public interest by encouraging community growth and development through support social service events, education, sports and environment and also contribute in socio-cultural activities. On June 21, 2013 the bank was acquired by Fauji Group. Since 1992 Askari bank won many nation and international awards. Askari bank’s mission to lead Pakistani private banking with an international presence, meritocracy is a modern and progressive organizational culture and innovative technology to provide quality service through effective human resource management, to maintain high moral

As of December 31, 2014, bank bjb operated 62 branch offices, 312 Sub Branch Offices, 318 Cash Offices, 133 Payment Points, 11 Mobile Cash units and 1.191 ATMs. bank bjb has 4,873,020 depositing customers, consisting of retail customers 83.35%, corporate customers 7.89%, government customers 0.43% and institutional funding 8.32%.

HBL was the first commercial bank established in Pakistan in 1947. Over the years, the bank has expanded its branch network and has become the largest private retail bank in terms of branches and deposits. Its customer base currently exceeds five million.

market capitalization it was the largest bank in the world in 20151, and currently it is the 2nd largest bank

Established in 1906 in Mangalore, Canara Bank is one of the largest banks in India. It is a public sector bank and currently has over 6000 branches and 10,000 ATMs across India. Formerly known as Canara Hindu Permanent Fund, it became known as Canara Bank in 1910. It was nationalised by the Government of India in 1969 along with 13 other major commercial banks. Canara Bank has several overseas branches in Bahrain, Doha, Dubai, Hong Kong, Leicester, London, Moscow (with SBI), New York, Shanghai, Sharjah, South Africa, and Tanzania.

PBe is the official Public Bank’s online banking website. It facilitates online financial services, online bill payment and informational services for the customer. PBe also provides you the convenience of performing banking transactions any time and any day, even weekends and holidays. Everyone can register for PBe online banking service by approaching any of the Public Bank branches around you or may register through the public bank ATM. The account holder of PBe must be fulfilled one of the following condition to apply such as: 18 years old with possess of saving account, current account, loans, hire purchase, and credit card of public bank. The fees charge for subscription for PBe is free for all user. Owner of PBe can access to the online banking services anytime anywhere, as

Bank of Baroda is an Indian state-owned banking and financial services company headquartered in Vadodara in Gujarat, India. It is the second-largest bank in India, after State Bank of India, and offers a range of banking products and financial services to corporate and retail customers through its branches and through its specialized subsidiaries and affiliates. In addition to its headquarters in its home state of Gujarat, it has a corporate headquarter in Mumbai.

There are approximately 80 scheduled commercial banks. Indian and foreign, almost 2000 regional rural banks, more than 350 central cooperative banks, 20 land development banks, and a number primary agricultural credit societies. In terms of business, public sector bank of India and the nationalized banks dominate the banking sector.

Company Information of Eastern Bank Limited 1.1.1 Legal Form A public limited company incorporated in Bangladesh with primary objective to

Uttara Bank Limited is doing better in recent years. The growth of the bank is noticeable. It has large number of skilled employees. It has better distribution channel to the remote area of the country. The infrastructure of the bank is well organized. The balance sheet provides sufficient evidence of the bank’s financial condition.

According to the Report, 2009 was a difficult year. Pakistan had to face the adverse economic , energy crisis and high inflation as a result of which the resulting GDP was 2.5 %. In this situation HBL maintained its market position as the largest retail bank in Pakistan in terms of branches and deposits. In 2009 HBLS loans were mainly directed towards the financing of raw material needs of the government. HBL Group closed 2009 with a profit before tax of Rs . 21.4 billion , which is 26.3 % higher than its closing Rs.16.9 2008000000000 . This was achieved by controlling the cost of funds and the effective management of operating costs. The net asset value of the Group increased by 27.2 % to Rs.84 billion. In 2008 it was at Rs . 66 billion . Total deposits increased by 14.3 % to Rs . 683000000000 2008 . Rs 597 billion , and HBL has grown its market share of 13.35 % in 2008 to 13.44% in 2009 HBL was also awarded Best Bank , Best Trade Finance Provider and Best Provider of changes in Pakistan by Global Finance for 2009 , as well as the best bank in Pakistan by the Banker

Capital gathering which in turn is essential to economic growth and development the stages of accumulation are savings and investment among them saving is most crucial because it is basic constraint for investment and development so capital accumulation and economic growth is affected by the rate of savings in the economy mobilization of savings becomes all the more important in the economy when economic growth is set with in frame work of targets with maximum reliance on internal resources. In a study conducted by national institute of bank management (NIBM) it was observed that the savings and that about 75 per cent of the gross domestic savings (GDS) cane from the house hold sector and approximately 45 percent of the household sector savings were kept in the form of bank deposits. The banking sector has played an increasingly imperative role in the financial intermediation process by mobilizing savings in the form of deposits. Deposits are the main source of funds for banks the bank of the total liabilities of a banking company include deposits. Hence banks serve financial needs of various sections of societies, the larger volume of funds can attract, the better the position they are in to lend funds. Scheduled Commercial Banks are those banks which were included in the second schedule or 2E of RBI ACT, 1934.