Dhanlaxmi Bank was incorporated in 1927 in Thrissur, Kerala by a group of entrepreneurs. Over 87 years it has grown its customer base, business scale, and product offerings while focusing on customized services and personal relationships. The bank's vision is "Banking on Relationships forever" and its mission is to become a strong, innovative bank with integrity and social responsibility to maximize customer, employee, shareholder and societal satisfaction. It offers various personal and commercial banking services and engages in financial inclusion initiatives to help farmers and weaker sections of society. The bank operates in southern and western India and faces competition from other regional banks.

1. MADE BY :
SHRIYA PATHAK
BIF – B
1403083

3.  Dhanlaxmi bank ltd. Was incorporated in 1927 at thrissur, kerala by a
group of ambitious and enterprising entrepreneurs.
Over the 87 years that followed, dhanlaxmi bank with its rich
heritage has earned the trust and goodwill of clients.
It is due to our strong belief in the need to seek innovation, deliver
best service and demonstrate responsibility, that we have grown
from strength to strength.
Be it in the number of customers, the scale of business, the breadth
of our product offerings, the banking experience we offer or the trust
that people invest in us. With more than 670 touch points across
india at your service; our focus has always been on customizing
services and personalizing relations.

4. VISION AND MISSION …..
VISION : Banking on Relationships forever.
MISSION : To Become a Strong and Innovative Bank
with Integrity and Social Responsibility to Maximise
Customer Satisfaction as well as that of the
Employees, Shareholders and the Society.

6. MR. T Y PRABHU
(CHAIRMAN)
DR. LAKSHMY DEVI K. R
( DIRECTOR)
MR. P.G JAYAKUMAR
(ASST. DIRECTOR)

7. 1) General Public
(Different savings account to match the need
of every Individual)
2) Business Houses & Corporates
(Current account to meet the requirements of
the business)

8. FINANCIAL INCLUSION INITIATIVES
Outstanding of Rs. 1134.89 crores under weaker sections, accounting 12.82% of
net bank credit of net bank credit as against the RBI benchmark of 10% as at
March end 2013.
Outstanding in the area of micro credit totalled Rs. 368.26 crores as on 31st
March 2013.
Kissan Credit Cards for Rs. 5.98 crores were issued to 150 farmers as on 31st
March 2013.
Opened 1,56,827 ‘Basic Savings Bank Deposit Account’ with outstanding of
Rs. 31.75 crores as on 31st March 2013, as part of financial inclusion initiatives.

9. 1. INVESTMENT BANKING
2. COMMERCIAL BANKING
3. RETAIL BANKING
4. PRIVATE BANKING
5. MORTGAGE
6. CREDIT CARDS

10. LENGTH :
1. PERSONAL BANKING > SAVING ACCOUNT
2. PERSONAL BANKING > CURRENT ACCOUNT
3. PERSONAL BANKING > TERM DEPOSITS

11. PRODUCT MIX --- DEPTH
> Dhanam preferred
> Smart salary saving account
> Regular saving account
> Dhanam basic saving bank deposits

12. > Premium current account
> regular current account
> super power current account
> suvidha current account

13. > Dhanam abhivridhi
> Senior citizen’s deposits
> Shri dhan chakra deposits
> Lakshmi recurring deposits

17. SEGMENTATION NATIONAL – SOUTHERN ZONE
WESTERN ZONE
STATES
DISTRCTS
CITIES
TOWN
SMALL VILLAGE
TARGETING SMALL AND MEDIUM BUISNESSES
LOCAL BUISNESS GROUP
FARMERS
POSITIONING COMPLETE BANKING SOLUTION
ASSISTANCE TO LOW INCOME GROUP
FINANCIAL ASSISTANCE TO FARMERS

20. 1. LAKSHMI VILAS BANK LTD.
2. ICICI BANK LTD.
3. KARNATAKA BANK LTD.
4. SOUTH INDIAN BANK LTD.
5. AXIS BANK LTD.
6. INDUSIND BANK LTD.
7. HDFC BANK LTD.
8. FEDERAL BANK LTD.
9. YES BANK LTD.

21. Bargaining power of suppliers..
The amount of loan a bank offers is directly proportional to
amount of deposits a bank receives. If there is no deposits
from the customer then the bank won’t be having any
money to offer.
Bargaining power of customers :
Banks will want customers to be loyal and expect that they
would provide true and fair information.

22. Threat of Substitutes- Non Banking Financial
Companies are posing a threat in terms of providing
loans & advances to the general public & are hence
posing a threat for banks & Dhanlaxmi Bank is no
exception. Even post offices are providers of loans & they
too can substitute banks.
Threat Of New Entrants- The banks face competition in
the form of entry of new entrants. RBI has issued
banking licenses to two new banks i.e Bandhan
Financial & IDFC

24. Political Factors :
The rules & regulations laid down by the
government plays a very important part in
determining the functioning of the bank. Some
of the major political factors affecting the
banking industry are as follows:
a) Focus on regulation of government
b) Budget & Budget Measures
c) Foreign Direct Investment Limits

25. Economic Factors :
The market economy plays a very important role in
determining the functioning of the bank. In the event of
an economic slowdown, the bank’s business will be
affected as there will be no spare money in the hands of
the people to invest. As the market condition will improve,
so will the business of the banks.
Social Factors :
It includes social & cultural aspects & health
consciousness, population growth rate, age distribution,
career attitudes & emphasis on safety.

26. Technological Factors :
Technology plays a very important role in the internal control mechanism of
the bank as well as in the services offered by them. Through the use of
technology new products & services are introduced. Like UCO Bank offers
services such as ATM Machines, Mobile Funds Transfer, NEFT, RTGS, Debit
Cards etc.
Legal Factors :
The year 2013–14 saw the following changes in the key policy measures
announced by the RBI.
• Repo rate and Reverse Repo rate increased by 75 basis points (bps) to 8%
and 7% respectively.
• Accordingly, Marginal Standing Facility (MSF) Rate and Bank Rate was
aligned 100 bps above repo rate at 9%.
• Cash Reserve Ratio (CRR) was kept unchanged at 4% of Net Demand and
Time Liabilities (NDTL) during the year.
• Statutory Liquidity Ratio (SLR) was kept unchanged at 23% during the
year

27. LATEST FROM
New Branch inaugurated by Dhanlaxmi Bank
at Thiruvananthapuram -- Nov 18, 2014
Dhanlaxmi Bank posts Rs 5 cr profit in
September quarter – NOV 12
2014

28. > http://www.dhanbank.com/aboutus/code_conduct.aspx
> www.google.com
> www.rbi.org
> www.moneycontrol.com
> The hindu , The Indian Express