COMPARATIVE STUDY OF
ROLL NO
: 72001
CLASS
: (BBI)
INTRODUCTION
PUNJAB AND SINDH
Punjab and Sindh bank is a government owned bank(79.62%) with headquarter in New Delhi.
Of its 1466 branches spread throughout India, 623 branches are in Punjab state. Its net profit is
Rs 121.35 crores and net NPA is 3.55% for the year ending 2014-15. The banks operating
profit for the year ending 2014-15 is Rs 775.45 crores. Total business of bank was 1,51,511
crores for the year ending 2014-15. The worth of bank as on 31-03-2015 is Rs 4812 crores.
SBI BANK
State bank of india {SBI} is an Indian multinational, public sector banking and financial
services company .it is a government-owned corporation with its headquarters in Mumbai,
Maharashtra. As of 2014-15,it had assets of INR 20,480 billion {USD 310 billion } and
more than 14,000 branches, including 191 foreign offices spread across 36 countries,making
it the largest banking and financial services company in india by assets.
Sate bank of India is one of the big four banks of India, along with ICIC bank, bank of
Baroda and Punjab national bank the bank traces its ancestry to British ,India, through the
imperial bank of India, to the founding ,in 1806, of the bank of Calcutta ,making it the oldest
commercial bank in the India subcontinent. Bank of madras merged into the other two
presidency bank British India, bank of Calcutta and bank of Bombay, to form the
imperial bank of India, which in turn became the state bank of India in 1956 government of
India owned the imperial bank of India in 1955,with Reserve bank of India {Indias central
bank} taking a 60% stake, and renamed it the state bank of India. In 2008, the government
took over the state held by the Reserve bank of India.
State bank of India is banking behemoth and has 20% market share is deposits and loans
among Indian commercial bank
Besides agency services, Banks also perform many general utility services also. Banks render
these services not only to their customers but also to the general public. Following are some
general utility services provided by banks.
1.RBI allows certain branches to undertake Foreign exchange transactions.
The bank enables foreign trade by issuing letter of credit.
2.Banks provides safe custody of valuables. 3.Promote capital market
Scope of study
1.Reason behind this project is to understand the various utility functions provided by bank
2.To create awareness among people about various utility functions provided by bank.
3.To understand the banking system.
Merchant banking
Some commercial banks have opened merchant banking division to provide merchant a
banking service.
The main objective of this project is to study about various utility services provided by
bank
2.To study about banking system of P & S bank & SBI bank
4.To get knowledge about how banks circulates funds collected from general public.
5.To provide suggestions for improvement in methods of providing general utility services
of bank.
Literature review
1. Ashish Raut (2010-11) had made a research on general utility function of a public sector
banks. ashish Raut had made a research through personal interview with some of public
sector banks Located in his hear by area he also collected data from various other sources
like books & journals.
2. priyanka sawant (2012-13) researched on the function and policies of various public
sector Banks. Priyanka sawant had collected information by giving personal visit to banks
and collected data from banks officials. She also used some of external sources to collect
information
3.Prathibha (2014-15) prepared a report on commercial banking.> Prathibha had made
research from internet, articles, books and newspapers .
4.Jyoti Raut {2013-14} Jyoti rant had made research on functions of SBI bank. she had
made research through personal interview with bank officials and also through various bank
sources.
5.Aarati Singh {2015-16} She hat made research on utility functions performed by SBI
bank
She researched through bank articles, journal and personal visit also
1. Mostly banking utility service are available to its customers and not to all general
public.
2. most of the peoples are dont aware about such services provided by bank.
3.some of them services provided by banks are highly charged like, Dealing in shares.
4. banks miserably fails to create awareness about these services among general public.