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Transcript

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