The document provides information about Dhanlaxmi Bank, a private sector bank based in Kerala, India. It discusses the bank's history, branches, achievements, products, competitors and SWOT analysis. Some key points include: - Dhanlaxmi Bank was established in 1927 in Thrissur, Kerala and currently has 275 branches across 14 states in India. - As of 2011, it had total business of Rs. 21,595 crores with deposits of Rs. 12,530 crores and advances of Rs. 9,065 crores. - The bank focuses on personalized customer service and has earned trust through its 84 years of operations. - A SWOT analysis finds strengths

1. ORGANIZATIONAL STUDY
In
DHANLAXMI BANK, PEENYA,
BANGALORE
(SPECIAL TASK: “A Study of Preferences of the
future investors in mutual funds”)
Name : Y Kartheek Guptha
Reg No : 421020522

2. Banking Industry
The following are the steps taken by the Government of
India to Regulate Banking Institutions in the Country:
• 1949: Enactment of Banking Regulation Act.
• 1955: Nationalisation of State Bank of India.
• 1959: Nationalisation of SBI subsidiaries.
• 1961: Insurance cover extended to deposits.
• 1969: Nationalisation of 14 major banks.
• 1971: Creation of credit guarantee corporation.
• 1975: Creation of regional rural banks.
• 1980: Nationalisation of seven banks with deposits over 200
crore.

3. Evolution of Banking in India:
Presidency Banks:
• 1809 - Bank of Bengal
• 1840 - Bank of Bombay
• 1843 - Bank of Madras
1921 - Imperial Bank of India
1935 - Reserve Bank of India
1955 - State Bank of India
1969 - Nationalization of 14 Banks
1980 - Second Dose of Nationalization
1990s - Narasimham Committee Reforms
2003 - ICICI Merger

5. ADVANTAGES OF MUTUAL FUND
• Portfolio Diversification
• Professional management
• Reduction / Diversification of Risk
• Liquidity
DISADVANTAGE OF MUTUAL FUND
• No control over Cost in the Hands of an Investor
• No tailor-made Portfolios
• Managing a Portfolio Funds
• Difficulty in selecting a Suitable Fund Scheme

7. Dhanlaxmi Bank
Introduction :
It was incorporated in November 1927 with its
head office at Thrissur, Kerala by a group of 7 entrepreneurs
with a capital of Rs. 11,000/- and 7 employees.
Dhanlaxmi Bank with its 84 years of banking
experience and with its rich heritage has earned the trust and
goodwill of clients and due to their strong belief in the need
to seek innovation, deliver best service and demonstrate
responsibility, they have grown from strength to strength.
With over 730 touch points across India; their focus has
always been on customizing services and personalizing
relations.

8. Vision & Mission
• “To become a strong and innovative Bank with
integrity and social responsibility and to
maximize customer satisfaction and the
satisfaction of its employees, shareholders
and the community”

9. Geography
Number of Branches
14 States State-wise
275 Branches
460 ATM Andhra Pradesh 18
As on March’11
Gujarat 6
Goa 1
Haryana 2
Karnataka 12
Kerala 153
Madhya Pradesh 1
Maharashtra 25
Punjab 1
Rajasthan 2
TamilNadu 36
U.P 5
West Bengal 5
Delhi 8

10. Achievements
• Serviced business Worth Rs 21,595 Crores as on 31 March 2011,
Comprising Deposits of Rs 12,530 Crores and Advances of Rs 9,065
Crores
• Earned a Net Profit of Rs. 26.1 Crores for the Financial Year Ended 31st
March 2011, With a Capital Adequacy Ratio of 11.8% (Basel II) During
the Same Period
• Set up NRI Boutiques (Relationship Centre’s) Across Nine Locations in
Kerala and Tamil Nadu, With Plans to Open specialized NRI Outlets at
Potential locations With Emphasis on Impeccable Service Levels
• Bank is a Major Player in Micro Credit in Kerala and the Bank's
Outstanding Under Micro Credit was Rs. 266 crores at the End of
March 2011
• Attained ISO 9001-2000 Certification for the Bank's Corporate Office at
Thrissur and Industrial Finance Branch at Kochi

11. Milestones:
• 1927 - Founded on 14 November, 1927, at Thrissur, Kerala
•
• 1975 - Set up the First Branch Outside the Home State of Kerala, at Chennai
Mount Road
•
• 1977 - Designated as Scheduled Commercial Bank by the Reserve Bank of
India (RBI)
•
• 1980 - 100- Strong Branch Network
•
• 1986 - Total business of Rs. 100 crores
•
• 1996 - First Public Issue. Total business of Rs. 1,000 crores
•

12. • 2000 - Installed the First ATM
• 2002 - First Rights Issue, Platinum Jubilee Year
• 2007 - Total Business of Rs. 5,000 Crores. 80th Anniversary Year
• 2008 - Total Business of Rs. 7,500 Crores. Second Rights Issue
• 2009 - Opened 45 new Branches and 102 New ATMs
• 2010 - Raised Rs. 381 Crores Through QIP in July 2010, Opened 20 New
Branches and 280 New ATMs, Launched New Brand Identity; Created
Platform for a Unified Image
• 2011- Launched its 275th Branch in Jan 2011; ATM Network Expanded to
460, Total Asset Base for the Bank was Rs.14, 268 Crores, as on 31.03.2011

13. Product Profile
Personal
Banking
Financial Corporate
Planning Banking
Product
Profile
Micro & NRI
Agri Banking
Banking

14. Competitors

15. MARKET CAPITAL
2.41% 0.89%
3.68%
HDFC Bank ICICI Bank Axis Bank
16.85%
38.10%
Yes Bank Federal Bank Dhanlaxmi Bank
38.07%

16. Organization Structure(matrix)

17. SWOT Analysis
STRENGTHS :
• Strong Network in Kerala & South India
• Experience
• Unlimited Transactions Through ATM From
Any Bank Without Charge
• ATM Card Can be Used Internationally
• Attractive Fixed Deposit Rates (10.25%):

18. Weaknesses
• Late entry in to North, East & West Indian
Markets
• Dhanlaxmi Bank Was Only Focusing in Kerala
& South India Earlier
• Less No. of Branches and ATMs As Compared
to Competitors

19. Opportunities
• Expansion Option in North , East & West India
• Customers Have Become More Service-
oriented
• Customers Keep Fluctuating From Banks to
Banks

20. Threats:
• Big Players in the Industry
• A False Rumor of Reliance Taking Over the
Bank
• Nationalized Banks are Growing Fast
• Economic Conditions In India
• RBI’s Policy Regarding CRR

21. Special Task
• Objective : “A Study of Preferences of the
future investors in mutual funds”
Research data Sources :
• Primary data(questionnaire)
• Secondary data (Ref books and websites)

22. Findings
• Today’s PG students pulse is most of them
Interested in investment
• Customer education is very bad
• Mis-Guiding the customers
• Future preferences of customers in which type
of investment i.e. private or public or both
• Which feature is attracting investment in
mutual fund e.t.c.

24. Suggestions and Recommendations
• Improve sales after services.
• Provide customer needed information. Don’t
confuse customer with multiple products or
scheme.
• Always keep employee updated with
information.

25. Conclusion
The mutual funds are one of the best avenues of
investment as it is a beautiful combination of risk and growth.
After the economic reforms, the mutual funds has come a
long way and has increased manifold since then. With
increased popularity and better returns in the mutual funds
have miles to go, Better option for investment.
Better option for investment but people are not
willing to invest because not wanting risk and this is because
stereotype of Indian culture.
Investment community in India is less compare to
foreign countries but in savings India is no.1

26. THANK YOU
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