...Financial Performance Measurement of SBI Groups – An Empirical Study (Synopsis) Prasanta Saha Purash-Kanpur Haridas Nandi Mahavidyalaya, Howrah Introduction: Why you choose SBI? You have to clarify it in a paragraph. The Imperial Bank was established in 1921 by amalgamation of three presidency banks – the Bank of Bengal, the Bank of Bombay and the Bank of Madras under a special legislation. These presidency banks were created as a charter to deal in bill of exchange payable in British India and were an integral part of Indian treasury. The Imperial Bank acted as a banker of the government until the establishment of Reserve Bank of India in 1935. State Bank of India was formed on July 1, 1955 by nationalizing the Imperial Bank under the State Bank of India Act, 1955 which was passed in parliament on May 8, 1955. The main objective of nationalization was not only extending banking facilities to rural and semi-urban areas in the newly formed independent India but also to promote agricultural finance and help the government to pursue the board economic policies. Initially 60% stake in SBI was taken over by the Reserve Bank of India but the controlling interest has been transferred to the Government of India in 2008 to remove any conflict of interest as it is the country's banking regulatory authority. The State Bank Group, with a network of 18,266 branches including 4,724 branches of its five Associate Banks, dominates the banking industry in India. The market share...
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...Analysis of Mutual Fund for SBI Mutual Fund and Securities Ltd. Final Managerial Economics Submitted by: SHUBHAM SHARMA Division: B Roll No: 42 Class: BBA.LLB PRN NO: 14010224105 OF Symbiosis Law School, NOIDA Symbiosis International University, PUNE In March 2015 Under the guidance of Prof. Sweta Saurabh & Prof Pushpa Negi Course in charge Index S.NO | PARTICULARS | PAGE NO. | 1. | C E R T I F I C A T E | 3 | 2. | ACKNOWLEDGEMENT | 4 | 3. | INTRODUCTION | 5-6 | 4. | HISTORY | 6 | 5. | DIFFERENT TYPES OF MUTUAL FUNDS | 6-8 | 6. | LITERATURE REVIEW | 8-11 | 7. | OBJECTIVES | 11 | 8. | RESEARCH HYPOTHESIS OF THE STUDY | 11 | 9. | ANALYSIS | 11-12 | 10. | CONCLUSION | 13 | 11. | REFERENCES | 14 | C E R T I F I C A T E The project entitled “Analysis of Mutual Fund for SBI Mutual Fund and Securities Ltd.” submitted to the Symbiosis Law School, NOIDA for Managerial Economis as part of Internal assessment is based on my original work carried out under the guidance of Dr.Pushpa Negi and Professor Sweta Saurabh from 17th December,2014 to 15th March ,2015. The research work has not been submitted elsewhere for award of any degree. The material borrowed from other sources and incorporated in the thesis has been duly acknowledged. I understand that I myself could be held responsible and accountable for plagiarism...
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...indianresearchjournals.com A STUDY OF FINANCIAL PERFORMANCE: A COMPARATIVE ANALYSIS OF SBI AND ICICI BANK DR. ANURAG. B. SINGH*; MS. PRIYANKA TANDON** * Associate Professor LDC Institute of Technical Studies Soraon, Allahabad (Uttar Pradesh) India ** Assistant Professor LDC Institute of Technical Studies Soraon, Allahabad India _____________________________________________________________________________________ ABSTRACT Banking Sector plays an important role in economic development of a country. The banking system of India is featured by a large network of bank branches, serving many kinds of financial services of the people. The State Bank of India, popularly known as SBI is one of the leading bank of public sector in India. SBI has 14 Local Head Offices and 57 Zonal Offices located at important cities throughout the country. ICICI Bank is second largest and leading bank of private sector in India. The Bank has 2,533 branches and 6,800 ATMs in India. The purpose of the study is to examine the financial performance of SBI and ICICI Bank, public sector and private sector respectively. The research is descriptive and analytical in nature. The data used for the study was entirely secondary in nature. The present study is conducted to compare the financial performance of SBI and ICICI Bank on the basis of ratios such as credit deposit, net profit margin etc. The period of study taken is from the year 2007-08 to 2011-12. The study found that SBI is performing well and financially sound...
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...THE STUDY BEHAVIOR INVENTORY (SBI) In response to faculty and staff feedback last year, student information from focus groups, the research of our QEP Summer Teams, and recent literature in the field of improving student learning, CTC will use the Study Behavior Inventory (SBI) rather than the Noel Levitz for our QEP Phase 2 institutional assessment. In short, the SBI will provide us a picture of our students’ study behaviors so that we can make proactive plans to help them persist in college and become more successful learners. Please read the attached information about this product (“SBI Overview”). We have a QEP Task Team working on planning and organizing the administration of this inventory to CTC students, worldwide (“SBI Computer Locations” indicates where the software will be loaded for students’ access). While we will continue to enhance learning at CTC with Action Plans and Assessment Plans, the results of the SBI will provide for us, as an institution, a new topic(s) for Phase 2 QEP initiatives. Especially important for student success beyond our campus is self-responsibility for learning and development. We believe the SBI will help us help students take control of their learning at CTC and in any of their future endeavors. Product Overview The Study Behavior Inventory V2.0 is a computerized, forty-six item, self-report, diagnostic/prescriptive survey -- the result of more than ten years of research, development, and refinement. The instrument self-administers in...
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...Service quality gap analysis in Indian banks: an empirical study. Abstract: Introduction of Liberalisation Privatisation and Globalisation (LPG) in Indian economy has affected almost all the sectors and industries of the economy. Indian banking industry is no exception to that. The net result of such policy initiatives has been increased competition at the marketplace. The fight for customers has got intensified. Literatures establish a direct link between service quality and marketing performance of banks thus concluding that loyal customer base can only be created through superior service. Hence effectiveness of service quality of banks is largely being tested to forecast the marketing performances of the banks. It has also been seen that degree and effectiveness of service quality has been said to be different in case of public and private sector bank. The paper investigates the service quality gaps existing with the offerings of the leaders of public and private sector banks of India, viz., SBI and HDFC Bank. An attempt has also been made to identify the weak links of select banks and enable the banks to understand the areas of their strengths and weaknesses and work upon to infuse efficiency and effectiveness. Key words : Service Quality, Customer satisfaction, Customer perception, Customer expectation, State Bank of India (SBI), HDFC Bank. Article Type: Report Subject: Banks (Finance) (Quality management) Liquefied petroleum gas (Quality management) Direct marketing ...
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...CHAPTER-I 1 INTRODUCTION 1.1 Introduction of bank Bank is a financial institution which deals with other’s people money i.e. money given by the depositors.The establishment authorized by a government to accept deopsits,pay interests,clear checks,make loans,act as an intermediary in financial transactions,and provide other financial services to the customers.The roots of banking can be treated to the earliest civilizations.The Egyptians and early societies of the Middle East developed the prototype upon which modern banking is based.Agriculture commodities were stored in granaries operated by the government, and the records of deopsits and withdrawls were manitained. The name “bank” comes from the italian word ‘banco’.A banco was a table covered in green cloth where moneylenders completed their transactions in the marketplace.Those are preety humble beginnings for a major industry.Banking is a key component of the global financial system. Most large banks are now global in nature, with offices in all key financial centres, from New York to London to Hong Kong and have the power to influence the economies of countries around the world no matter how large, as seen during the recent financial crisis. According to Robert Frost, ‘‘bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins . Introduction to the Indian Banking industry in historical prespective. 1.2 Indian Banking in historical...
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...SBI PO Syllabus Complete Overview - A). ENGLISH LANGUAGE SYLLABUS OF SBI PO 2014: AREA | NUMBER OF QUESTION | DIFFICULTY LEVEL | Reading Comprehension | 10+10 | Moderate to Difficult | Faulty Construction | 15 | Easy to Moderate | Jumbled Sentences | 5 | Easy to Moderate | Close Passages | 10 | Easy | Note: After previous year analysis there were two Reading Comprehensions. B). REASONING (High Level) NAME | NUMBER OF QUESTION | DIFFICULTY LEVEL | Input - output | 5 | Difficult | Sentence coding | 5 | Easy | Logical Reasoning | 15 | Easy to Moderate | Syllogism | 5 | Moderate | Puzzle / Seating Arrangement | 10 | Moderate | Data Sufficiency | 5 | Moderate | Direction &other problem | 5 | Easy to Moderate | C) GENERAL AWARENESS SYLLABUS OF SBI PO 2014 Area | NUMBER OF QUESTION | DIFFICULTY LEVEL | Banking Awareness | 14 | Moderate to Difficult | Current Affairs | 16 | Easy to Moderate | Computer Awareness | 10 | Easy to Moderate | Marketing | 10 | Easy | D) DATA ANALYSIS & INTERPRETATION AREA | NUMBER OF QUESTION | DIFFICULTY LEVEL | Probability | 5 | Easy to Moderate | Line Graph | 5 | Moderate | Pie Charts | 10 | Moderate to Difficult | Bar Charts | 15 | Easy | Tables | 15 | Moderate to Difficult | DESCRIPTIVE SECTION SYLLABUS OF SBI PO – 50 Marks Letter Writing 1. Paragraph Writing 2. Essay Writing 3. Precise Writing 4. Reading Comprehension AREA | NUMBER OF QUESTION | TOPICS | ...
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...| Research Definition | 12 | 3 | Benefits Of Research Methodology | 12 | 4 | Research Process | 13 | 5 | Research Design | 14-16 | 6 | Data Collection Method | 16-18 | Chapter 3: Literature Review | | 1 | Welfare | 20 | 2 | Types Of Employee Welfare Schemes | 21 | 3 | Employee Benefits | 22 | 4 | 2012 Employee Benefits: A Research Report By SHRM | 24-26 | 5 | Laws Related To Employee Welfare (Factory Act) | 27 | 6 | Employee Satisfaction | 28 | Chapter- 4: About The Company | | 1 | ICICI Bank | 31-44 | 2 | The State Bank Of India | 45-47 | Chapter 5: Data Analysis And Interpretation | | 1 | Data Analysis | 49 | 2 | Analysis Of The Data Collected From ICIC Bank | 50-65 | 3 | Findings | 66 | Chapter 6: Comparison | | 1 | Employee Benefits By ICICI Bank | 67-69 | 2 | Employee Benefits Provided By SBI Bank | 70-74 | 3 | Comparison between ICICI Bank And SBI Bank | 75 | Conclusion | 76 | Bibliography | 77-78 | CHAPTER -1 INTRODUCTION EMPLOYEE WELFARE Employee/Labor Welfare is a term which must necessarily be elastic, bearing a somewhat different interpretation in one necessary country from another, according to the different social customs, the degree of industrialization and educational level of the workers. Welfare means faring (or) doing...
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...APPRAISAL PROCESS OF SBI: A CASE STUDY OF BRANCH OF SBI IN HISAR NANCY ARORA*; DR. ARTI GAUR**; MS. BABITA*** *Student, Department of Business Administration, CDLU, Sirsa. **Assistant Professor, Department of Business Administration, CDLU, Sirsa. **Teaching Associate, Department of Business Administration, CDLU, Sirsa. ABSTRACT Pinnacle Research Journals 10 http://www.pinnaclejournals.com Credit risk is a risk related to non repayment of the credit obtained by the customer of a bank. Thus it is necessary to appraise the credibility of the customer in order to mitigate the credit risk. Proper evaluation of the customer is performed this measures the financial condition and the ability of the customer to repay back the loan in future. Credit Appraisal is a process to ascertain the risks associated with the extension of the credit facility. It is generally carried by the financial institutions which are involved in providing financial funding to its customers. In this paper, we study the Credit Risk Assessment Model of SBI Bank and to check the commercial, financial & technical viability of the project proposed & its funding pattern. Also to observe the movements to reduce various risk parameters which are broadly categorized into financial risk, business risk, industrial risk and management risk. The scope of the paper is restricted to branch of SBI in Hisar. KEYWORDS:...
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...1. INTRODUCTION 1.1 CUSTOMER SATISFACTION Customer satisfaction is a measure of how products and services supplied by a company meet or surpass customer expectation. It is seen as a key performance indicator within business and is part of the four of a Balanced Scorecard. “Degree of satisfaction provided by the goods or services of a firm as measured by the number of repeat customers” In a competitive marketplace where businesses compete for customers, customer satisfaction is seen as a key differentiator and increasingly has become a key element of business strategy. However, the importance of customer satisfaction diminishes when a firm has increased bargaining power. For example, cell phone plan providers, such as AT&T and Verizon, participate in an industry that is an oligopoly, where only a few suppliers of a certain product or service exist. As such, many cell phone plan contracts have a lot of fine print with provisions that they would never get away if there were, say, a hundred cell phone plan providers, because customer satisfaction would be way too low, and customers would easily have the option of leaving for a better contract offer. There is a substantial body of empirical literature that establishes the benefits of customer satisfaction for firms. 1.2 OVERVIEW OF THE BANKING INDUSTRY: Banking in India originated in the last decades of the 18th century. The oldest bank in existence in India is the State Bank of India, a government-owned bank that...
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...Atal Bihari Vajpayee Indian Institute of Information Technology & Management Gwalior An Autonomous Institute of Ministry of HRD, Government of India Defence Salary Package Customer Expectation- Submit Suggestions for Improvement Internship Report submitted to SBI in completion of the requirement Of Summer Internship at State Bank of India Name: Project Mentor/Reporting MUNENDRA SINGH SIKARWAR MR.R.K.GUPTA ABV-IIITM Chief Manager, Gwalior R.B.O. – 1, Gwalior May 2013 to July 2013 ACKNOWLEDGEMENT It gives me immense pleasure and satisfaction in presenting this report of Defence Salary Package undertaken during the summer internship of MBA program. As it is the first step into my professional life, I would like to take this opportunity to express my sincere thanks to several people, without whose help and encouragement, it would be unfeasible for me to carry out the desired work. I would like to thank to Human Resource Department (Learning & Development), Local Head Office Bhopal, for giving me an opportunity to work with one of the most esteemed organization of the world. An enviable work culture and an environment that encourages creativity and innovation...
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... 09BSHYD0586 Preetish Kr. Singh 09BSHYD0585 Sarita Sethi 09BSHYD0742 Priyanka Gunturu 09BSHYD0600 Index 1. Introduction to banking 3 Importance of banking 3 Need for CRM 4 2. Introduction to CRM 5 Phases of CRM 5 Benefits of CRM 6 Types/variations of CRM 7 Implementations of CRM 10 Importance of CRM in banking 12 Challenges in CRM implementation 14 3. CRM initiatives at SBI 16 CRM and SBI Life 16 4. CRM initiatives at HDFC Bank 19 About HDFC bank 19 Challenges 20 CRM solutions 20 Results 21 VbV facility for HDFC customers 21 Offers 21 RAP computer telephony integration 22 5. Research Methodology 23 Objective 23 Methodology 23 Demographics of sample 23 Data Analysis 24 Qualitative Analysis 25 Quantitative Analysis 27 Data Interpretation 29 6. Conclusion 30 7. References 31 Introduction to Banking Sec 5 (b) of the Banking Regulation Act, 1949 defines banking as “accepting for the purpose of lending or investment, of deposits of money from the public, repayable on demand or otherwise, and withdrawal by cheque, draft, order or otherwise”. Prior to initiation of reforms in 1991, Indian banking industry suffered from lack of competition, low capital base...
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...COMPARATIVE PERFORMANCE APPRAISAL OF INDIA’S 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...
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...delivery performance and found that the importance-performance grid demonstrates two factors and their underlying attributes that fall into the “Keep up the good work” quadrant and the other two factors fall into the “Low priority” quadrant. The first two were the areas the organization needs to allocate resources in order to maintain the level of service they provided...
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...TERM PAPER TRAINING AND DEVELOPMENT IN STATE BANK TABLE OF CONTENTS. 1- Synopsis of the report. 2- Objectives of report 3- Chapter 1 Introduction 4- Chapter 2 Research Methodology – Sampling size, sampling unit, sources of data 5- Chapter 3 Data Analysis and Interpretation – Tables. 6- Chapter 4 Findings, Conclusions, suggestions Annexure- Questionnaire Bibliography. SYNOPSIS. Training is an ancient art indeed. It is required in all fields of activities. Training refers to the teaching or learning activities done for the primary purpose of helping members of an organization to acquire and apply the knowledge, skills, abilities, and attitude needed by organization to acquire and apply the same. It helps the employees to take up their assignments and perform it with perfection and confidence. It is aligned in banks to build up competencies in the staff to achieve the targeted objectives of the bank. All training programmes have the customers as the central theme. It is a key variable in Human Resource Development Strategy of the banks. Training is thus used as most effective in developing resources. Training is the sub systems of the organizations because the departments like- marketing, sales, production all depends on training for its survival. It ensures that randomness id reduced and learning or behavioural change takes place in structured format. OBJECTIVES OF THE STUDY- * To examine the effectiveness of training...
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