SYNOPSIS

Name of the organization: ING Vysya bank

Department: Business Banking
Project: Credit Appraisal for working capital financing in the case of SMEs
Research objectives
1. To study the credit policy of the bank and the credit appraisal process as a whole.
2. To study credit appraisal reports of some SME clients.

Tasks Completed
1. Studied the Credit Appraisal process for the working capital in SME sector
2. Studied the various products provided by the ING Vysya bank.
3. Focused specifically on M-Power BLT, a loan designed specifically for SMEs with a
credit limit of up to Rs. 200 lakhs.
4. Studied various financial ratios required for the financial analysis.
5. Studied the various documents of the clients required in the credit appraisal process.
6. Prepared financial spreads to analyze the current financial state of various clients of ING
Vysya and to project the financials for the near future.
7. Learnt the conditions for deciding sanctioning of loan and practically applying it for few
clients.
8. Prepared proposal note for clients, which includes companys background, financial
analysis, market reputation check and SWOT analysis.