A Study on Financial Statement Analysis

The project title is “A Study on Financial Statement Analysis of Puduvai Bharathiar Grama Bank (PBGB)”. It is intended for the financial analysis of the bank for a period of five years from 2020 to 2025. Puduvai Bharathiar Grama Bank, which is an Indian Bank sponsored bank, is playing an important role in rural growth and financial inclusion in the Union Territory of Puducherry. The study was based on secondary data collected from the annual reports and published financial statements of the bank. Techniques such as Comparative Statement Analysis, Common-Size Statement Analysis, Trend Analysis, and Ratio Analysis were used to examine the profitability, liquidity, solvency, and general financial position of the bank. The analysis shows that PBGB has recorded consistent growth in income, deposits, and advances over the years. Profits have increased consistently, which proves that the bank has been carefully utilizing its resources. The rise in total assets, reserves, and surplus shows the healthy and stable financial position of the bank. In summary, from this research, Puduvai Bharathiar Grama Bank has registered steady and prudent financial growth over the study duration. The findings of this project will help the management and stakeholders to understand the financial trends of the bank and make better decisions towards future development and growth.