The document provides information about the history and operations of J&K Bank. It discusses how the bank was founded in 1938 by the Maharaja of Kashmir and began operations in 1939. It highlights that the bank faced challenges when branches in parts of Kashmir fell under Pakistani control after partition. The document also outlines the bank's mission to catalyze economic growth in Jammu and Kashmir. It shares the bank's financial performance, showing increasing business volumes and profits in recent years. Finally, it describes the objectives and methodology of a customer satisfaction study conducted on the bank's advertising tools.

1. PRESENTED BY
SALIEN MALIK
A30101915165
MBA 3RD SEMESTER

2. HISTORY OF J&K BANK
 The Jammu & Kashmir Bank was founded on October 1 1938 under letters patent
issued by the Maharaja of Kashmir, Hari Singh.
 The Maharaja invited eminent Kashmiri investors to become founding directors and
shareholders of the bank, the most notable of which were Abdul Aziz Mantoo, Pesten
Gee and the Bhaghat Family, all of whom acquired major shareholdings.
 The Bank commenced business on July 4, 1939 and was considered the first of its
nature and composition as a State owned bank in the country.
 The Bank was established as a semi-State Bank with participation in capital by State
and the public under the control of State Government.
 The bank had to face serious problems at the time of independence when out of its
total of Ten branches two branches of Muzaffarabad, Rawalakot and Mirpur fell to the
other side of the line of control (now Azad Kashmir) along with cash and other assets.

3. Mission of J&K Bank:
 “To catalyze economic transformation and capitalize on
growth.”
 The bank aspires to make Jammu & Kashmir the most
prosperous state in the country, by helping create a new
financial architecture for the J&K economy, at the center of
which will be the J&K.
Vision of J&K Bank:
 To provide the people of J&K international quality financial
service and solutions and to be a super-specialist bank in
the rest of the country.

4. PERFORMANCE OF THE BANK
 The Bank’s aggregate business crossed yet another psychological mark and stood at Rs.
95,574.57 Crores at the end of the financial year 2014-15
 . The Bank’s total business increased by Rs. 10,575.18 Crores from the previous year’s
figure of Rs 60,294.39 Crores, registering a growth of 17.54%.
 The Bank registered highest ever Net Profit of Rs. 615.20 Crores for the financial year
2014-15 compared to Rs. 512.38 Crores for the financial year 2012-13, registering 20.07%
surge.

5. SCOPE OF THE STUDY
 The study is limited to customers of J&K bank only. The study was conducted to
analyze the customer satisfaction towards J&K bank advertisement tools.

6. OBJECTIVES OF THE PROJECT
 To get fair idea about banking.
 To get some idea about Products and services offered by the bank.
 To understand the perception of people towards Advertisement system of the
bank.
 To know whether the bank is able to satisfy its customers.
 To understand the reasons why some customers don’t feel Satisfied .
 To know what problems the bank faces in advertisement.
 To understand how banks can manage to play a healthy competition.

7. Importance of Advertising
Advertising plays a very important role in today’s age of competition. Advertising
is one thing which has become a necessity for everybody in today’s day to day life,
be it the producer, the traders, or the customer. Advertising is an important part.
 Advertising is important for the customers
 Advertising is important for the society
 Advertising is important for the seller and companies producing the products

8. Types of advertising
 Virtually any medium can be used for advertising. Commercial advertising
media can include wall paintings, billboards, street furniture components,
printed flyers and rack cards, radio, cinema and television adverts, web
banners, mobile telephone screens etc
 Television advertising / Music in advertising
 Infomercials (Radio advertising)
 Online advertising (Radio advertising, Press advertising)
 Billboard advertising

9. Tools of Advertisement
 Radio
 Newspapers
 Magazines
 Outdoor
 Internet
 Television

10. Tools used by J&K bank for advertisement
 Print(newspapers,magazines,brochures)
 Audio visual (Radio,television,banners,flexboards)
 Web
 Direct selling

11. RESEARCH METHODLOGY
The most of important part and main strength of project comes from the process of
collecting; classification and analyzing work will depend upon the methodology. It is in
a way proposed plan of the study.
SOURCE OF DATA COLLECTION:
Data Collection is key part of project work. There are two types of data collection, first is
primary source and second is secondary of data collection.
PRIMARY DATA:
Primary data for the research was collected through questionnaires. When collecting
primary data one can choose to do interviews, observations, experiments, and
questionnaires. Due to the purpose of our research, only the questionnaire method was
reliable be able to approach the topic and to collect the answers in a satisfactory manner.
SAMPLE SIZE: 100 and different question have different sample size.

12. Choice of methodology:-
 For the field research I decided that the most
appropriate approach would be a questionnaire
that would be filled out by people of Srinagar. To
encourage the people not to reject the
questionnaire outright, and to increase the
response rate, the questionnaire was limited to
maximum of 4 sheet of A4 paper.

13. DATA ANALYSIS AND INTERPREATION
QNo1: In which bank you have an account?
 From the survey majority of customers i.e 90% respondents are associated with the J&K
bank, 5% are associated with HDFC bank, and 5% are associated with other banks. This
question helped us to conclude that a fairly large number of the customer have been
associated with the J&K bank.
90%
5%
5%
J&K Bank
HDFC Bank
Other

14. QNo2:- With which bank you mostly deal?
 From the survey majority of customers i.e 85% respondents deal mostly with
the J&K bank, 10% of respondents deal mostly with HDFC bank, and 5% of
respondents deal mostly with other banks. This question helped us to conclude
that a fairly large number of the customer deal with the J&K bank.
85%
10%
5%
J&K Bank
HDFC Bank
Other

15. QNo3:- What you like best about J&K Bank?
 During the survey a question was asked that what you like best about your
bank. It was observed that 30% of the people say that it is best in its products,
20% of people say its best in its services and 50% says both products and
services. So that the majority of people say that the bank is best in both i.e
products and services
30%
20%
50%
only product
only service
Both products and services

16. QNo4:- How will you rate the services being provided by the J& k Bank?
 From the survey majority of the customers i.e 55% of respondents says services
of J&K Bank are excellent, 40% of customers are satisfied with the J&K bank,
5% says average . So that the majority of people says services of J&K bank are
excellent.
55%
40%
5%
Excellent
Satisfied
Average

17. QNo5:-Are you aware about various products and services provided by the J & K
bank?
 From the survey majority of the customers i.e 75% of respondents says that
they are aware about various products and services provides by the J&K Bank
and 25%of customers are not aware about the products and services provided
by the J&K bank. So that the majority of people are aware about the products
and services of J&K bank.
75%
25%
Yes
No

18. QNo6:-From where you get information about the products and services of J& k
Bank?
 During the survey a question was asked that where you get information about
the products and services of J&K bank. It was observed that 34% of the people
says from branch, 25% says from Newspaper,16%says from television,11% says
from radio ,9% says from internet and 5% from Magazines. So that the
majority of people get information from Branches.
16%
11%
25%
5%
9%
34%
Television
Radio
News paper
Magazines
Internet
Branches

19. QNo7:- For you advertisement is a source of?
 During the survey a question was asked that advertisement is a source of
information or Entertainment. Majority of customers replied advertisement is
a source of information.
100%
0%
Information
Entertainment

20. QNo8:- Does advertisement actually shows the real features of the Products and
Services?
 From the survey of customer’s majority 75% of respondents says that
advertisement shows real features of products and services and 25%of
customers replied they do not show the real features of products and services.
75%
25%
Yes
No

21. QNo9:- Does an entertaining advertisement influence your opinion about the
products and services?
 During the survey a question was asked that does an entertaining
advertisement influence your opinion about the products and services. About
93% of customers replied yes and 7% of people replied no. So that the majority
of people say entertaining advertisement influence their opinion about the
products and services.
93%
7%
Yes
No

22. QNo10:- Which form of ad creates a great impact on you?
 During the survey a question was asked that which form of ad creates great
impact. About 50% of respondents replied Moving action oriented ad, 35%
replied words with visuals , 11%of respondents replied words with sounds and
4% replied printed oriented Ad. So that the majority of people say moving
action oriented ad have great impact on customers.
4%
11%
35%
50%
Printed Words
Words with Sounds
Words with Visuals
Moving action oriented Ad

23. QNo11:- Have you ever availed any service or used any product after coming across
its advertisement?
 From the survey majority of the customers i.e 71% of respondents admitted
that they have availed any service and used any product after coming across its
advertisement and 29%of respondents say that they have not used any product
after coming across its advertisement. So the majority of people say yes.
71%
29%
Yes
No

24. QNo12:-According to you which is the best source of information provider
regarding Products and services of J& k Bank?
 During the survey a question was asked that which is the best source of
information provider regarding products and services of J&K bank. First
preference goes to Branches, 2th to Newspaper, 3th to Television , 4th to Radio ,
5th to internet. So that the majority of respondents replied Branch is the best
source of information provider.
11%
5%
39%
03%
42%
Television
Radio
Newspaper
Magazines
Internet
Branch

25. FINDINGS
 Majority of respondents i.e.90% are having their accounts in J&K bank and 10%
respondents are having their accounts in different banks, this shows that J&K bank has
more market share than others.
 The study reveals that 75% respondents are aware about products and services offered by
bank and 25%respondents are not having knowledge about the products of the bank.
 Most respondent’s i.e.42%agree with the fact that branch is the best source of
information provider regarding products and services of J&K bank.
 From my findings it is clear that 50% of respondents replied moving oriented ad creates
a great impact on us.
 The study reveals that 75% respondents agree the statement that advertisement does
show the real features of products and services.
 All the respondents, agree the statement that advertisement is a source of information.

26. SUGGESTIONS AND
RECOMMENDATIONS
 Advertisement should be made with keeping the determinants of
effectiveness in mind.
 Advertisers should develop new and more effective ways of
advertisement.
 Advertisement should be according to the products.
 There should be proper information about the products/ services
through advertisement i.e. (Print and electronic media). The bank
officials should adopt various forms of advertisement in order to give
timely information about the updated products/ services to the
customers.
 Investment in advertisement should be made with great care of media.

27. LIMITATIONS OF THE RESEARCH
 Every research is limited by its imagination is true, but we definitely
have some limitations on this research. The limitations are as follows:
 The study was restricted to J&K Bank customers only.
 Considering the size of the population that we have, the sample size
that I have taken was very small.
 Some customers were reluctant to give detailed information.
 Sample size was restricted due to time constraint.
 Data given by the respondents are limited to their own attitude,
perceptions, knowledge, feeling and awareness.

28. BIBLIOGRAPHY
BIBLIOGRAPHY
 https://en.wikipedia.org/wiki/Jammu_%26_Kashmir_Bank
 http://www.jkbank.net/history.php
 http://economictimes.indiatimes.com/jammu-&-kashmir-
bank-ltd/infocompanyhistory/companyid-8611.cms
 http://www.business-standard.com/company/j-k-bank-
7311
 http://www.jkbank.net/intRates.php
 https://www.myloancare.in/fixed-deposit/fd-interest-
rates/jammu-and-kashmir-bank
 https://www.bankbazaar.com/recurring-deposit/jammu-
kashmir-bank-recurring-deposit-rates.html

29. THANK YOU