I D B I

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I D B I

  1. 1. A PRESENTATION ON OPERATIONS OF A FINANCIAL INSTITUTE
  2. 2. INTRODUCTION <ul><li>Financial institutes deal with processing of money and other monetary transactions. </li></ul><ul><li>Every financial institute goes through processes which are similar to the manufacturing process. </li></ul>
  3. 3. A CASE STUDY :
  4. 4. <ul><li>IDBI stands for Industrial Development Bank Of India. </li></ul><ul><li>Primarily set up to render monetary services to Indian industries. </li></ul><ul><li>IDBI was found in the year 1964. </li></ul><ul><li>It is an undertaking of the public sector. </li></ul>
  5. 5. THE WORKING OF IDBI INPUTS OUTPUT PROCESS
  6. 6. INPUTS <ul><li>Every financial institute requires inputs. </li></ul><ul><li>The main input for a bank is money in any form. </li></ul><ul><li>For different banks, the sources of funds are different. </li></ul>
  7. 7. <ul><li>For IDBI, the main sources of income or inputs are : </li></ul><ul><li>1. FIXED DEPOSITS. </li></ul><ul><li>2. CURRENT DEPOSITS. </li></ul><ul><li>3. SAVINGS DEPOSITS. </li></ul>
  8. 8. <ul><li>Apart from these, the other sources are : </li></ul><ul><li>1. Interests on loans and </li></ul><ul><li> borrowings. </li></ul><ul><li>2. Charges on services rendered. </li></ul><ul><li>3. Overdrafts. </li></ul>
  9. 9. THE TANGIBLE INPUTS <ul><li>The other inputs which are required in a financial institute are : </li></ul><ul><li>1. Manpower. </li></ul><ul><li>2. Office and appliances. </li></ul><ul><li>3. Machines and technology. </li></ul>
  10. 10. COMPARATIVE INPUT CLASSIFICATION
  11. 11. PROCESS <ul><li>The intermediate processes of a financial institute includes: </li></ul><ul><li>1. Check clearance. </li></ul><ul><li>2. Allocation of funds. </li></ul><ul><li>3. Confirmation of accounts. </li></ul><ul><li>4. Advertising. </li></ul><ul><li>5. Negotiating instruments, etc. </li></ul>
  12. 12. THE PROCESS PARAMETERS OF IDBI BANK
  13. 13. EFFECTS OF ADVERTISEMENTS
  14. 14. OUTPUTS <ul><li>The outputs of a financial institution are as follows : </li></ul><ul><li>1. Loans. </li></ul><ul><li>2. Financial services. </li></ul><ul><li>3. Security of savings. </li></ul><ul><li>4. Instruments of negotiation, etc. </li></ul>
  15. 16. CUSTOMER’S RESPONSE N=250
  16. 17. OUR FINDINGS <ul><li>The main source of money. </li></ul><ul><li>It pays an interest of 3.5% towards savings deposits. </li></ul><ul><li>The main profits of the bank are from these two accounts or deposits. </li></ul>
  17. 18. <ul><li>The profit margin is less on Fixed Deposits. </li></ul><ul><li>But fixed deposits act as a long term asset for the bank. </li></ul><ul><li>The Annual turnover = Rs. 70,000 Crores. </li></ul>
  18. 19. LIMITATIONS <ul><li>Low rate of interest. </li></ul><ul><li>Low on marketing and advertising strategies. </li></ul><ul><li>Competition from Private banks. </li></ul>
  19. 20. <ul><li>The ambience and technology are not as developed. </li></ul><ul><li>Lack of efficient human resources. </li></ul><ul><li>Governed by rules and regulations. </li></ul>
  20. 21. RECOMMENDATIONS <ul><li>Necessary to open more branches. </li></ul><ul><li>More resources should be allocated in the Indian market. </li></ul><ul><li>Short advertising campaign to gain long term benefits with more intensity. </li></ul>
  21. 22. <ul><li>The bank should alter the rates of interest. </li></ul><ul><li>Pay more attention towards its FD’s. </li></ul><ul><li>Make full use of technology. </li></ul><ul><li>Improve its production downtime. </li></ul>
  22. 23. CONCLUSION
  23. 24. THANK YOU …

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