A

PRESENTATION

ON

BANKING INDUSTRY
INTRODUCTION
 Est.on 23rd October 1931 by lt. shri A.B.
Shetty
 Basic objective was to promote banking habit
and entrepreneur habit among farmers.
 Became nationalized on April 15 1980.
 A network of 991 branches across 28 states
MARKETING MANAGEMENT
OBJECTIVE : to compare customer satisfaction with
other banks

 Lending to a large number of classes rather than

small section.
 Ranks 3rd amongst all nationalized banks in spread
to asset percentage.
 Ranked 2nd in terms of return on assets
A COMPARATIVE ANALYSIS
VIJAYA BANK
 No of branches : 991
 No of ATMs : 177
 Work timings : 10.00 am till
3.30 pm
 Minimum balance req. : 250
 Interest on home loans :
9.00%
 Credit charges : 2.25%
ICICI BANK
 No of branches : 955
 No of ATMs : 3687
 Work timings : 8.00 am till
8.00 pm
 Minimum balance req. : 5000
 Interest on home loans :
12.75%
 Credit card charges : 3.15%
 BANK GRIVENCES
REDRESSAL POLICY
 Customers be treated fairly at all times.
 Complaints raised by customers are dealt with courtesy and on
time.
 Customers are fully informed of the avenues to escalate their
complaints/ grievances within the organization and their rights to
alternative remedy, if they are not fully satisfied with the
response of the Bank to their complaints.
 Bank will treat all complaints efficiently and fairly as they can
damage the bank’s reputation and business if handled otherwise.
 The Bank employees must work in good faith and without
prejudice to the interests of the customers
OPERATIONS MANAGEMENT
OBJECTIVE : TO STUDY ERP MODULES USED
BY BANKS

 ERP HR module
 ERP financial module
 ERP marketing module
 ERP sales module
BENEFITS OF ERP MODULE
 Helps reducing operations cost
 Facilitate day to day management

 Support strategic planning

 Provides flexibility

 Increased productivity

 Evaluate business
ENTERPRISE SOLUTION FOR
MANAGERS

OBJECTIVE : VARIOUS I.T. ENABLED SERVICES

PROVIDED BY BANKS

 Account details
 Transfer of funds
 Bills
 Requests
 Mails
 Limits
 Currencies
 Uploads
 Customization
 Activity
 Trades
 ECONOMICS

OBJECTIVE : METHODS OF LOAN

RECOVERY BY BANKS

 Correctness of information

 Contacting the person

 Final recovery
 FIANACIAL MANAGEMANT
OBJECTIVE : “WAYS OF FINANCING
CURRENT ASSETS BY BANKS”

 CURRENT ASSETS : “assets that can be converted

Into cash within one operating cycle”

 WHY DO COMPANIES NEED LOANS FOR

FINANCING CURRENT ASSETS ?
For Increase in current assets in case of seasonal
shortage
 WAYS OF FINANCING
CURRENT ASSETS
 Leasing

 Hire purchase
 Bills of exchange

 Call money

 Loans

 Cash credit

 Overdraft
 BUSINESS LAW
OBJECTIVE : TERMS AND CONTDITIONS FOR
MORTAGAGE

Loans for housing/repairs: terms and contd.

 Loan up to 80%

 Max. repayment time is 15 years

 Maximum loan amount up to 60 times of salary

 Important documents like pan card, ration card should be produced

Loans against immovable properties :
 Valuation of the mortgage properties should be
z
done
 Proper inspection should be carried out every
month
 Certain precautions should be taken to avoid
fake documents
 HUMAN RESOURCE
MANAGEMENT
OBJECTIVE : TRAINING METHODS AND
TECHNIQUES FOR EMPOLYEES

ON THE JOB TRANING :

 Job instruction training
 Apprenticeship and coaching
 Job rotation
 Committee assignments
 OFF THE JOB TRAINING :
 Classroom lectures

 Simulation exercise

 Programmed instruction