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The paper explores to know a consequence of perceiving users of digital banking with reference to private banks in Chennai. The researcher specified this research through digital banking user in private banks in the city of Chennai. The researcher has collected the primary data through a questionnaire which is well-structured. The researcher has used a method of chances for collecting the data from 60 responders. The percentage analysis and rank correlation method are employed to examine the information. This research inferred that the customers are highly satisfied with digital banking services and usage levels of the customers are also high. Further, it recommended that banking need to improve the following aspects such as one-stop-shop for banking needs, transactions through a digital kiosk, voice command that assist computer illiterate people, interface that make unique customer and the first-time user can perform a transaction easily. Thus, it enables the banking industries to render better services and to retain a valuable customer. Through digital banking, each and every program had been digitized and each and every activity is undertaken through institutions of financial and their customers.

The financial statement of PUMA, a sports company has been selected for this research. The financial statement has been examined throughout this paper. The financial statement includes the Income statement, Balance sheet, and Cash flow statement. Horizontal analysis, Vertical analysis, Trend analysis and mainly Ratio Analysis has been used to examine the financial performance and to make suggestions to improve finance flow, improve dividend and to reduce liabilities of PUMA. The major analysis is based on the financial years 2017 and 2016 ending on the 31st of December in each and every year. The latest financial performance of the company is being compared with the company's statements for the last five years starting 2013 for showing trends. On the basis of the analysis, suggestions have been made to improve the financial performance and market share of PUMA.

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