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Presentation1.pptx

  1. 1. SUMMER INTERNSHIP PROJECT REPORT ON “GENERAL IDENTIFICATION OF ISSUES AND CHALLENGES FACED BY THE BANKING SYSTEM” SESSION – 2021-23 MBA (FINANCIAL SERVICES) PRAKHAR PANDE 21332
  2. 2.  Banks which provide basic banking activities like taking deposits, lending to unorganized entities, micro and small industries, small and marginal farmers, and other underserved sections are known as small finance banks.  With the aim of creating financial inclusion, it was created by the Reserve Bank of India.  The main objective of the small finance bank is to strengthen the financial inclusion by extending the basic banking services like deposits and the supply of credit across the country.
  3. 3.  AU Small Finance Bank Limited is an Indian Small finance bank, based in Jaipur, India.  It was founded as vehicle finance company AU Financiers Ltd in 1996 and converted to a small finance bank on 19 April 2017.  Headquartered in Jaipur, Rajasthan, the retail-focused Non- Banking Finance Company for two decades provided speedy and customized financial solutions to rural and urban population.  After bagging the Small Finance Bank (SFB) license in 2015, Au Financiers commenced its journey as an SFB on 19th April 2017.
  4. 4.  Vision:  To be the world’s most trusted retail bank and coveted employer that is admired as the epitome of financial inclusion and economic success.  Mission:  To build one of India’s largest retail franchises that is admired for making every customer feel supreme while being served.  Aspiring that no India is deprived of banking.  Bias for action, dynamism, detail orientation and product-process innovation.  Globally respected standards of integrity governance and ethics.  Being an equal opportunity employer, providing a collaborative and rewarding platform to all its employees.
  5. 5. Branch Banking • Saving Account • Term Deposit • Bank Locker • Life & Health Insurance • General & Fire Insurance • Mutual Fund • 3 in 1 Trading Account • Loan & Advances- · Vehicle Loan · Home Loan · Personal Loan · Gold Loan • Credit Card Transaction Banking • Current Account • Trade & Forex • Overdraft Facilities • Cash Management Services (CMS) • Non-Fund Based Facilities • Loan & Advances- · Secured Business Loan (SBL) · Business banking – Term Loan, CC/OD • Agriculture Banking • NBFC Lending • Real Estate and Construction Finance
  6. 6. Digital Banking Digital Products - Saving Account Fixed Deposit Vehicle Loan Personal Loan Credit Card Insurance & Investment Digital Channels- Mobile Banking Net banking Corporate Internet Banking Video Banking WhatsApp Banking Aura Chabot Missed Call Banking AU Biz Pay Payment & Services - Merchant Payment (UPI QR & Point of Sales- POS) Debit Card AEPS BHIM UPI Bharat Bill Payment Service (BBPS) NETC I FASTag ASBA NACH/e-NACH Tax Payment
  7. 7.  AU Small Finance Bank leverages cloud technology in addition to brick-and-mortar banks-to bring modern-day financial services to the unbanked millions of citizens and business across rural India.  Since 2017, AUSFB has built out its lending and account management systems on Oracle Flex cube Cloud Infrastructure and Oracle Database, which encompasses servers, processors, storage, memory and network.
  8. 8.  Bank account opening process and requirements.  Understanding and analysis of the Cheque clearing process.  Assisting the Departmental managers in high paced environment.  Understanding various terminologies in the Banking system.  Analysis of the work done by the Staff.

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