Presentation on dena bank


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hi this is shital k,from iimp,pune,
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Presentation on dena bank

  1. 1. By<br />First Semister MBA<br />Group-B2<br />Indira institute of management,pune<br /> Report on Dena bank<br />
  2. 2. Introduction<br />What is a bank?<br />What is banking?<br />Indian banking history<br />Establishment of bank<br />Nationalization of bank<br />
  3. 3. Market Structure<br />
  4. 4. Current Trends and Technologies<br />Electronic Payment Services – E Cheques<br />Real Time Gross Settlement (RTGS)<br />Electronic Funds Transfer (EFT)<br />Electronic Clearing Service (ECS)<br />Automatic Teller Machine (ATM)<br />Point of Sale Terminal<br />
  5. 5. Marketing Strategy<br />Product<br /> - Dena Bank provides its products and services in various sectors like Personal loans, Agriculture, SME, Infrastructure, Corporate, and Insurance etc. <br />Price<br /> - Dena Bank provides different types of interest on different investments by the customer.<br />Place<br /> - It refers to the place where the customers can buy the product and how the product reaches out to that place. <br />
  6. 6. Continue . . . <br />Promotion<br /> - The Dena Bank proactively educates all its customers about the new and the existing services that the bank offers.<br />People<br /> - People refer to the customers, employees, management and everybody else involved in it.<br />Process<br /> - Dena Bank has different processes to give customers best services.<br />Physical evidance<br /> - Dena Bank provides differnet facilities to the customers in the Branches.<br />
  7. 7. HR policies<br />Recruitment<br />Training<br />Adding and Developing Human Values<br /> - Staff Meeting<br /> - Brain Storming Session<br /> - Study Circle<br /> - Quality Circle<br />Stagnate<br />Exit policy<br />
  8. 8. Organizational structure<br />
  9. 9. SWOT Analysis<br />Strengths<br /> - Improving financial and potential to achieve business growth and profitability<br /> - High CASA ratio<br /> - Improving employee productivity and business per branch<br />Weakness<br /> - Few No. of Banches All over India<br /> - Slower pace of branch expansion<br /> - Lower business per branches<br /> - No Branches in foreign Countries<br />
  10. 10. Opportunity<br /> - Bank will be able to position itself for the new challenges posed by the Base Rate regime<br /> - Flow of credit is expected to improve to commercial sector<br /> - Besides RBI’s exit from stimulus packages, balance approach has insured that overall liquidity condition remains comfortable.<br /> - All the three major components, viz. agriculture, industry and services are expected to support sustained momentum in growth<br />Threats<br /> - Higher inflation rate<br /> - Growth of agriculture depends on monsoon<br /> - Economy largely depends on exports<br /> - Increased competition from public, private and foreign banks<br />Continue . . . <br />
  11. 11. Financial Analysis<br />Current Ratio:<br /> - Current Ratio = Current Assets/Current Liabilities<br /> = 57179.29 = 1.039<br /> 54984.88 <br />Cash Ratio: <br />- Cash Ratio = Cash + Marketable Securities <br /> Current liabilities <br /> = 4355.03 = 0.078<br /> 54984.88 <br />Asset turnover Ratio:  <br /> - Net Asset turnover = Sale = 0.079<br /> Net Asset<br />
  12. 12. Continue . . . <br />Net Working Capital Ratio:<br /> - Net Working capital Ratio =Net working capital <br /> Net Assets<br /> = 2194.41 <br /> 57586.57 <br />= 0.03<br />Gross Profit Margin:<br />- Gross Profit Margin = Gross Profit <br /> Sales<br /> = 1068.10<br /> 4598.99<br /> = 0.23<br />Net Profit Margin: <br />- Net Profit Margin = Profit after tax<br /> Sales<br /> = 511.23 = 0.111<br /> 4598.99  <br />
  13. 13. Current Position of Dena bank<br />Dena Bank stood 20th in Indian Bank sector<br />Assets of worth Rs. 57586.57 Crore in Financial year 2009-10<br />Percentage increase in Business Mix in year 2009-10 over 2008-09 is 20.52%<br />Dena Bank experienced Net Profit of Rs. 511.25 Crores in financial year 2009-10 with operating profit of Rs. 840.58 Crore in same year<br />Percentage increase in Net Profit in 2009-10 over 2008-09 is 20.96%<br />
  14. 14. Rs. 87056 Crore of Business<br />Percentage increase in Net Profit in 2009-10 over 2008-09 is 20.96%<br />Continue . . . <br />
  15. 15. Awards and significant events<br />4th prize by RBI for ‘Dena Jyoti’ journal<br />3rd prize in the competition organized by Maharashtra State Level Bankers’ Committee (Rajbhasha)<br />The bank has designed an implemented a special scheme `Dena Shakti' for self-reliance and economic upliftment of women.<br />The bank is also offering rural credit through self-help groups under the ‘Dena Swarozgar Credit Card Scheme’<br />One among the few Banks to receive the World Bank loan for technological upgradation and training <br />
  16. 16. CSR Activities by Bank<br />Rural self employment training institute<br />Dena lakshmi shikshan protsahan yojana<br />Pioneer in farmer credit card : "DENA KRISHI SAKH PATRA" (DKSP)<br />Special policy for student<br />
  17. 17. Conclusion<br />Dena Bank has its business mainly in Gujarat and Chhatisgarh<br /> The bank has focused more on rural areas<br />The bank has started various schemes for rural population so as to help them mainly in agriculture sector<br />Bank plans to grow the business mix and targeting the value of Rs. 360 crores which is reflected in “Goal Post 2013”<br />Dena Bank is taking various steps to achieve this goal<br />
  18. 18. Suggestions and Recommendations<br />Dena bank is widely spread in Gujrat as compared to other states of india, so Dena Bank should look at aggressively expanding in the other states of the country.<br />Dena bank should open their branches in foreign countries too which would help them to expand their business like some of their peer group banks like SBI,BOB etc .<br /> Instead of annual recruitment policy Dena bank should switch to half yearly recruitment policy. <br />They should have more aggressive Marketing strategies to promote their services in different offices,organizations etc.<br />
  19. 19. Differentiation Strategies<br />Support agricultural sector so as to support the major population of the country in rural area.<br />Arrangement of trainings like induction program so as to familiarize newly recruited employees to deal with people and providing right information in a right way<br />Trainings at managerial level are scheduled so as to sharpen their marketing skills<br />Marketing done by posters and pamphlets<br />Various activities like Dena RUDSETI have been undertaken to generate employment<br />Bank proposes to offer 20-30 Skill Development programs <br />
  20. 20. Thank You<br />
  21. 21. Questions ??????<br />