...helps to Analyze the Financial Position and Performance of the Axis and Kotak Mahindra Bank in India based on their financial characteristics based on the CAMEL model and t-test which measures the performance of bank from each of the important parameter like capital adequacy, asset quality, management efficiency, earning quality, liquidity and Sensitivity. Bhayani (2006) analyzed the performance of new private sector banks through the help of the CAMEL model. Four leading private sector banks – Industrial Credit & Investment Corporation of India, Housing Development Finance Corporation, Unit Trust of India and Industrial Development Bank of India - had been taken as a sample. Sanjay J. Bhayani (2006) in his study, “Performance of the New Indian Private Banks: A Comparative study”. The study covered 4 leading private sector banks- ICICI, HDFC Bank, UTI and IDBI. The result showed that the aggregate performance of IDBI Bank is the best among all the banks. (Bhayani, 2006) Dr.K.Srinivas and L.Saroja (2013) conducted a study to compare the financial performance of HDFC Bank and ICICI Bank. From the study it is clear that there is no significance difference between the ICICI and HDFC bank’s financial performance but we conclude that the ICICI bank performance is slightly less compared with HDFC. (K. Srinivasl, 2013) There are number of indicators for evaluating financial performance of banks on the basis of the financial measures. Usually the financial performance of the institutions...
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...A REPORT ON “PRODUCT FEATURES OF HDFC CURRENT ACCOUNT WITH OTHER BANK, CA ACCOUNTS AND CUSTOMER REQUIREMENTS” A Thesis Submitted in the partial fulfilment of the requirements for The award of the degree of POST GRADUATE DIPLOMA IN MANAGEMENT SUBMITTED TO:HDFC BANK Paschim Vihar SUBMITTED BY:Aalok Aashish Kachhap 1 ACKNOWLEDGEMENT The success and final outcome of this project required a lot of guidance and assistance from many people and I am extremely fortunate to have got this all along the completion of my project work. Whatever I have done is only due to such guidance and assistance and I would not forget to thank them. I respect and thank Mr. Uttam Ahluwalia (CH) for giving me an opportunity to do the project work on “Product Features Of HDFC Current Account With Other Bank, CA Accounts And Customer Requirements” and providing me all support and guidance which made me complete the project on time. I would also like thank my industry guide Mr. Raja Saha (BM), I am extremely grateful to him for giving such a nice support and guidance though he had busy schedule and of course I should not forget to thank my faculty guide Dr. KM Kumar, for his full support and guidance throughout the SIP period. I would like to extend my gratitude to Mr. Rohit Parmar (Branch Operations Manager) and Mr. Danish Raza (ABM) who went out of their way to guide me throughout my project and gave varied insights. At last but not least I am also thankful to and fortunate enough...
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...National Institute of Technology A Research Report on Customer Service of SBI vis-à-vis other Banks Internship Report submitted in completion of the requirement of Summer Internship at State Bank of India SME Branch, Civil Township, Rourkela Submitted by:- Under the guidance of:- Rasmita Sahu Mr. Prabir Chandra Sahu MBA Student Chief Manager Roll No- 312SM1017 State Bank of india School of Management SME Branch, Civil Township NIT, Roukela Rourkela May_2013 to July_2013 Certificate This is to certify that the project entitled “Customer Service of SBI vis-à-vis other Banks” which is being submitted by Rasmita Sahu, MBA Student, Roll No. 312SM1017, School of Management, National Institute of Technology, Rourkela - 769 008 (India), for the award of Degree of MBA by the School of Management, National Institute of Technology, is a record of bonafide research work done by her under my supervision. The results embodied in the project are new and have not been submitted to any other University or Institution for the award of any Degree or Diploma. To the best of my knowledge Rasmita...
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...BANKING A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers with capital deficits to customers with capital surpluses. Banking is generally a highly regulated industry, and government restrictions on financial activities by banks have varied over time and location. The current set of global bank capital standards is called Basel II. In some countries such as Germany, banks have historically owned major stakes in industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of a cross-share holding entity known as the keiretsu. The oldest bank still in existence is Monte dei Paschi di Siena, headquartered in Siena, Italy, which has been operating continuously since 1472.[1] Contents • 1. History o 1.1 Origin of the word • 2. Definition • 3. Banking o 3.1 Standard activities o 3.2 Wider commercial role o 3.3 Channels o 3.4 Business model o 3.5 Products 3.5.1 Retail 3.5.2 Wholesale • 4. Risk and capital • 5. Banks in the economy o 5.1 Economic functions o 5.2 Bank crisis o 5.3 Size of global banking industry • 6. Regulation • 7. Types of banks o 7.1 Types of retail banks o 7.2 Types of investment banks o 7.3 Both combined o 7.4 Other types of banks History Banks date back to ancient times. During the 3rd century AD...
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...11DM048 Debabrata Subudhi 11DM058 Marketing of Liability Products Introduction; Commercial banks offers a varieties of product to the customers, these products are known as ‘’liability product” because they represent liability of the bank. Consumer generally know them as “deposit product”. There are number of Liabilty products, some of the liability products are listed below * Savings Account * Fixed Deposit Account * Recurring Deposit * Current Account * NRI Account Etc…. These products are the basic products of bank which are taking new dimensions in the banking world as the competition is tougher. The products which are mentioned above are the products of Retail Banking. Wholesale banking is another big segment of bank which deals with the SME and Corporate clients. WholeSale Banking Wholesale banking is the provision of services by banks to the likes of large corporate clients, mid-sized companies, real estate developers and investors, international trade finance businesses, institutional customers (such as pension funds and government entities/agencies), and services offered to other banks or other financial institutions. In essence, wholesale banking services usually involve high value transactions. Divisions * Corporate Banking * Small & Medium Enterprises Banking Products of Wholesale Banking HSBC | ICICI | Bank Of Baroda | * Working Capital Term Loan * Post Shipment Finance * Packing Credit * Overdraft...
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...one wants to own. Home is a shelter to person where he rests and feel comfortable. Many banks providing home loans whether commercial banks or financial institutions to the people who want to have a home. HDFC-(Housing Development And Finance Corporation) Home Loan, India have been serving the people for around three decades and providing various housing loan according to their varied needs at attractive & reasonable interest rates. Owing to their wide network of financing, HDFC Housing Loans provides services at your doorstep and helps you find a home as per your requirements. Many banks are providing home loans at cheapest rate to attract consumers towards them. The more customer friendly attitude of these banks, currently offer to consumers cheapest loan over homes. In view of acute housing shortage in the country, and keeping in mind the social – economic role of commercial banks in the present times, the RBI advised banks to encourage the flow of credit for housing finance. With the RBI reducing bank rate, the home loan market rates nose-diving by 50 basis points. The HDFC Bank and Standard chartered bank has become the first player in this sector to announce a housing loan for a 20 years period. No doubt it will enhance the end cost people to plan their house over longer duration now; it has been made easy for a person to buy that dream house which he dreamt of long ago. HDFC also provides with Home Improvement Loan for internal and external repairs and other structural...
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...COMMERCIAL BANKS PRESENTED BY Gurlovleen Kaur ABSTRACT Commercial banks form the most important part of Indian financial landscape in terms of their role in channeling credit to the commercial sector and facilitating the process of financial inclusion. In the era of global competition, performance is the key factor for any subject, especially in banking. The Indian banking industry is made up of the Indian public sector banks and private sector banks. In this project an effort has been made to evaluate the financial performance of commercial banks by using key performance indicators as a benchmark, generally the financial performance of bank is evaluated by working out a number of ratios depending upon the data. This study has made use of five financial parameters ,i.e. ,Capital to Risk Weighted Assets Ratio( CRAR) ,Return on Assets ( ROA), Non Performing Asset (NPA),Net interest Margin (NIM), Profit Per Employee( PPE), as these are generally accepted ratios to evaluate the performance of banks ,in order of their performance. Research plan includes decision on data sources, research approaches, research instrument, sampling plan and contact method. The present study is based on secondary data. The data is collected through various journals, studies, websites and publications of banks. The collected data is analyzed to reach at conclusions regarding the various issues related to performance of commercial banks. In this study the 10 commercial banks are selected...
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...+ = INSURANCE OVERVIEW Understanding Insurance INSURANCE LIFE GENERAL Insurance is a system to alleviate financial losses by transferring risk of loss from one entity to another. ‘Insurance’ is basically a sharing device. The losses to assets resulting from natural calamities like fire, flood, earthquake, accidents, etc. are met out of the common pool contributed by large number of persons who are exposed to similar risks. This contribution of many is used to pay the losses suffered by unfortunate few. However the basic principle is that loss should occur as a result of natural calamities or unexpected events which are beyond the human control. Secondly insured person should not make any gains out of insurance. It is natural to think of insurance of physical assets such as motor car insurance or fire insurance but often we forget that creator of all these assets is the human being whose efforts have gone a long way in building up the assets. In that sense, human life is a unique income generating assets. Unlike the physical assets, which decrease in value with passage...
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...financial market in many emerging countries and hence its role in economic development can not be overemphasized. In addition, world over, financial markets are getting less insular. The investors in developed countries are seeking investment opportunities beyond the confines of their domestic economy to enhance return and diversify risks. The investment in stock involves many risks. The investor has to know the exact time to buy and sell a security. The investors have to carry analysis before investing in any stocks. Most of the investors are unaware about the analysis to be carried out before investing. The study involves analysis of earnings per share, price to earnings and analysis of risk through beta value, of the banks in equity market. Technical analysis helps the investor to know whether the stock is in over sold region or over bought region and to find any trend reversals. Based on these analysis investor can make buy or sell decision. Indian banking industry...
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...HOME LOAN TAKEOVER OPPORTUNITY AND CHALLENGES Internship Report submitted to SBI in completion of the requirement of Summer Internship at State Bank of India NAME OF THE STUDENT: kushal Shah PROJECT MENTOR/ REPORTING OFFICER AT THE BANK: Mr Kumar APRIL 6th 2013 TO JULY 6th 2013 Acknowledgement I take this opportunity to express my profound gratitude and deep regards to Mr. Bhoir, HR, State Bank of India for giving me the opportunity to take up this project and posing faith in me to fulfill the project I also take this opportunity to express a deep sense of gratitude to Company Mentor Mr. Kumar, Manager State Bank of India, for his cordial support, valuable information and guidance, which helped me in completing this task through various stages. I am obliged to staff members of State Bank of India especially Mr. Saraswat & Ms Warrier, HLST Departement, State Bank of India for the valuable information provided by them in respective fields. I am grateful for their cooperation during the period of my assignment. Lastly, I thank almighty, my parents, brother, sisters and friends for their constant encouragement without which this assignment would not be possible. I am also thankful to all the respondents whose cooperation & support has helped me a lot in collecting necessary information. Kushal Shah Bottom of Form Table of Contents Sr. no | Particulars | Page no | 1 | 1. Introduction 2.1. Profile of Student 2.2. Profile...
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...STUDENT DECLARATION This is to certify that I have completed the Project titled “A STUDY ON HOME LOANS” under the guidance of “Mr. Amit Kumar Gupta” in the partial fulfillment of the requirement for the award of the degree of “Masters in Business Administration” from “Rukmini Devi Institute Of Advanced Studies, New Delhi.” This is an original work and I have not submitted it earlier elsewhere. RAJNI CERTIFICATE This is to certify that the project titled “A STUDY ON HOME LOANS” is an academic work done by “RAJNI” submitted in the partial fulfillment of the requirement for the award of the degree of “Masters in Business Administration” from “Rukmini Devi Institute Of Advanced Studies, New Delhi.” under my guidance and direction. To the best of my knowledge and belief the data and information presented by him in the project has not been submitted earlier elsewhere. Mr. Amit Kumar Gupta (Project Guide) RDIAS ACKNOWLEDGEMENT "Gratitude is not a thing of expression; it is more matter of feeling." There is always a sense of gratitude which one express towards others for their help and supervision in achieving the goals. This formal piece of acknowledgement is an attempt to express the feeling of gratitude towards people who helpful me in successfully completing...
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...It is observed that majority of the respondents used ATM services than other services like branch transaction, tele-banking, online banking and mobile banking. People were willing to spend extra time and money to go to nearest ATM center carried out their transactions. In Axis bank, 100 percent of the respondents were aware of the mobile banking service. In SBI and PNB, more than 50 percent of the respondents were aware and in ICICI and IDBI, banks more than 50 percent of the respondents were not aware of the Mobile banking service offered by their respective banks. The awareness level in all the banks was very low. More than 50 percent of the respondents in ICICI, HDFC, HSBC, IDBI banks had not tried mobile banking services offered by their banks. But respondents of Citibank had tried the services more in comparison to other banks. Many people were willing to try mobile-banking services in future if banks provide them better security. Main reason for using mobile banking by the respondents was to save time which was the key factor for mobile banking usage and the other being the cost effectiveness. Many people...
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...A Project Study Report On Training Undertaken at HDFC Bank Ltd Titled RETAIL LOAN & PARA BANKING PRODUCT IN HDFC BANK LTD. Submitted in partial fulfillment for the Award of degree of MASTER OF BUSINESS ADMINISTRATION |Submitted by |Submitted to | |Abhimanyu Singh Rathore |Mrs. Dhwani Mishra | |MBA Part IV |Faculty Member | 2007-2009 IILM Academy Of Higher Learning, Jaipur Campus (Affiliated to the University of Raj. & Raj. Technical University, Approved by AICTE, Ministry of HRD, Govt. of India) Preface It’s my pleasure and delight to bring out a comprehensive and concise study in organization about RETAIL BANKING System. This study will help in identifying the strength and weakness of the BANKING and also working a quick comparison with ICICI Bank. It will help in taking strategic decision. I’m highly grateful to Mr. Amit Sharma and my helping co trainees. There are innumerable persons who have contributed in brining out this study report of Banking System in India with Specific reference to HDFC Bank Ltd. Acknowledgement I express my sincere thanks...
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...2013 ISSN: 2321-3744 Customer Satisfaction of Online Banking in SBI and ICICI-A Comparative Study in Pune City Dr. Priya Anand Irabatti Professor, Bharati Vidyapeeth Deemed University, Pune Abstract Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank, credit union or building society. In today's demanding world, everybody needs instant banking solutions for a better lifestyle. In the current scenario, almost every bank in India has the internet banking facility. Online banking or internet banking made things much easier for the people and saves lot of time. Researches show that impact of Internet banking on cost savings, revenue growth and increased customer satisfaction on Industry is tremendous and can be a potential tool for building a sound strategy. However, it has raised many public policy issues before the banking regulators and government agencies. Interestingly, reliable and systematic information on the scope of Internet banking in Indian context is still not sufficient, particularly what it means to the consumers and the bankers. This study aims at evaluating services quality of online banking in Pune city, one of the fast growing cities of Western India. This paper mainly compares, online banking services of SBI Bank one the leading public sector bank and ICICI bank, a leading private sector bank. A structured questionnaire is administered to various target groups. Researcher...
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...SWAMI VIVEKANAND GROUP OF COLLEGES [pic] SYNOPSIS:- COMPARATIVE STUDY OF SBI INTEREST RATE OF HOME LOANS WITH DIFFERENT BANKS A synopsis submitted for the partial Fulfillment of the degree of MASTER of BUSINESS ADMINISTRATION (MBA) GUIDED BY: SUBMITTED BY: PROF. PRIYANKA MAHESWARI SANDARBH VYAS MBA III SEM INDEX INTRODUCTION • HOME LOANS • INTEREST RATES OFFERED BY THE BANKS REVIEW OF LITERATURE OBJECTIVE OF STUDY RESEARCH METHODOLOGY • RESEARCH DESIGN • DATA COLLECTION • SAMPLING TECHNIQUE • SAMPLING DESIGN BIBLIOGRAPHY INTRODUCTION HOME LOANS Home is a dream of a person that shows the quantity of efforts, sacrifices luxuries and above all gathering funds little by little to afford one’s dream. Home is one of the things that everyone one wants to own. Home is a shelter to person where he rests and feels comfortable. Many banks providing home loans whether commercial banks or financial institutions to the people who want to have a home. Home loans work like any other debt. That is, loans are simply specific money that we borrow from a bank, a private lender or some other type of lender. Afterwards, we must repay our debts with interest. However, unlike other types of loans, home loans are different in several...
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