This document discusses the introduction and growth of internet banking. It begins with an overview of information technology and how technological developments led to the evolution of internet banking. It describes how information technology transformed the banking sector by allowing banks to offer new digital services and connect with customers remotely through online and mobile banking. The document then discusses some of the key benefits that technology provided banks, such as increased productivity, cost efficiencies, and the ability to develop customized products and services for different customer segments. Finally, it explains how information technology freed banks from physical branch constraints and created new opportunities to build closer relationships with customers.
retail banking an over view of hdfc bankumesh yadav
This document is a project report on retail banking at HDFC Bank. It includes an executive summary that provides an overview of retail banking in India and why banks are shifting focus to retail banking. It also discusses characteristics of retail banking like multiple products, channels and customer groups. The document contains chapters on rationale for the study, objectives, HDFC Bank profile, theoretical perspective, research methodology, data analysis, findings, limitations and expected contributions. It includes certificates, indexes and references. The key information is that this appears to be a student project report analyzing retail banking services at HDFC Bank in India.
This document discusses the current status of financial inclusion in India. It begins by defining financial inclusion as making financial services available and affordable to disadvantaged and low-income segments of society. It then discusses India's progress in opening bank accounts, increasing access to banking infrastructure like branches and ATMs, and the use of accounts and loans. While financial inclusion has increased over time, India still lags advanced economies and there is more progress needed. Barriers to financial inclusion in India have included a lack of technology, reach, appropriate business models, and collaboration between banks and other organizations. Strong government programs and partnerships will be needed to further the goals of financial inclusion.
This document provides information about a seminar project submitted by Danish ROLL NO.-2018MGA1016 to Prof. Amanjot Singh and Prof. Arun at Guru Nanak Dev University, Amritsar. The project is about Bank of Baroda, one of the largest banks in India. It was founded in 1908 in Baroda, Gujarat by Maharaja Sayajirao Gaekwad III. Over the years, it has expanded domestically and internationally to become a major public sector bank with over 5,000 branches globally. The document includes sections on the bank's history, profile, products/services, initiatives, financial reports and suggestions.
1) The document provides an overview of the banking industry in India, including its history and evolution. It discusses how banks originated from goldsmiths in the 12th century and the establishment of key banks like the Bank of England and presidency banks in India.
2) It then summarizes the nationalization of banks in India in 1969 and 1980, where the government took control of major private banks to facilitate development and credit delivery. This resulted in the government controlling around 91% of banking at the time.
3) The roles of the Reserve Bank of India in regulating the banking sector through acts like the Banking Regulation Act of 1949 are also highlighted. The history provides context for how the modern Indian banking system developed and
ICIC Project on Loans and financial analysisRaju Kadire
find a bit analysis on icici bank and its loan process personal loans in Hyderabad and you can find the project report of ICICI bank different types of business
State Bank of India (SBI) is India's largest bank with over 14,000 branches and 32,000 ATMs. It was established in 1955 and nationalized in 1969. SBI has a large domestic and international presence with over 180 overseas offices. Some key points:
- Deposits have risen to Rs. 12 trillion with 15% annual growth, while advances crossed Rs. 10 trillion with 21% growth.
- It has expanded its branch network by 719 branches to a total of 14,816 branches, with 66% located in rural/semi-urban areas.
- SBI has subsidiaries in Canada, California, and several other countries around the world.
- Major
This document discusses the introduction and growth of internet banking. It begins with an overview of information technology and how technological developments led to the evolution of internet banking. It describes how information technology transformed the banking sector by allowing banks to offer new digital services and connect with customers remotely through online and mobile banking. The document then discusses some of the key benefits that technology provided banks, such as increased productivity, cost efficiencies, and the ability to develop customized products and services for different customer segments. Finally, it explains how information technology freed banks from physical branch constraints and created new opportunities to build closer relationships with customers.
retail banking an over view of hdfc bankumesh yadav
This document is a project report on retail banking at HDFC Bank. It includes an executive summary that provides an overview of retail banking in India and why banks are shifting focus to retail banking. It also discusses characteristics of retail banking like multiple products, channels and customer groups. The document contains chapters on rationale for the study, objectives, HDFC Bank profile, theoretical perspective, research methodology, data analysis, findings, limitations and expected contributions. It includes certificates, indexes and references. The key information is that this appears to be a student project report analyzing retail banking services at HDFC Bank in India.
This document discusses the current status of financial inclusion in India. It begins by defining financial inclusion as making financial services available and affordable to disadvantaged and low-income segments of society. It then discusses India's progress in opening bank accounts, increasing access to banking infrastructure like branches and ATMs, and the use of accounts and loans. While financial inclusion has increased over time, India still lags advanced economies and there is more progress needed. Barriers to financial inclusion in India have included a lack of technology, reach, appropriate business models, and collaboration between banks and other organizations. Strong government programs and partnerships will be needed to further the goals of financial inclusion.
This document provides information about a seminar project submitted by Danish ROLL NO.-2018MGA1016 to Prof. Amanjot Singh and Prof. Arun at Guru Nanak Dev University, Amritsar. The project is about Bank of Baroda, one of the largest banks in India. It was founded in 1908 in Baroda, Gujarat by Maharaja Sayajirao Gaekwad III. Over the years, it has expanded domestically and internationally to become a major public sector bank with over 5,000 branches globally. The document includes sections on the bank's history, profile, products/services, initiatives, financial reports and suggestions.
1) The document provides an overview of the banking industry in India, including its history and evolution. It discusses how banks originated from goldsmiths in the 12th century and the establishment of key banks like the Bank of England and presidency banks in India.
2) It then summarizes the nationalization of banks in India in 1969 and 1980, where the government took control of major private banks to facilitate development and credit delivery. This resulted in the government controlling around 91% of banking at the time.
3) The roles of the Reserve Bank of India in regulating the banking sector through acts like the Banking Regulation Act of 1949 are also highlighted. The history provides context for how the modern Indian banking system developed and
ICIC Project on Loans and financial analysisRaju Kadire
find a bit analysis on icici bank and its loan process personal loans in Hyderabad and you can find the project report of ICICI bank different types of business
State Bank of India (SBI) is India's largest bank with over 14,000 branches and 32,000 ATMs. It was established in 1955 and nationalized in 1969. SBI has a large domestic and international presence with over 180 overseas offices. Some key points:
- Deposits have risen to Rs. 12 trillion with 15% annual growth, while advances crossed Rs. 10 trillion with 21% growth.
- It has expanded its branch network by 719 branches to a total of 14,816 branches, with 66% located in rural/semi-urban areas.
- SBI has subsidiaries in Canada, California, and several other countries around the world.
- Major
Project on retail banking with reference to syndicate bank.Mayanksng07
This document provides an overview of retail banking in India. It discusses the growth of retail lending in India since liberalization in 1991. Retail lending has grown significantly over the past decade due to increasing disposable income, a growing middle class, and changing attitudes towards loans. However, retail loan growth has not been uniform and banks need appropriate strategies like inclusive and responsible banking to ensure sustainable growth. The document also discusses major players in retail banking in India like SBI and HDFC Bank and examines challenges for foreign banks in expanding retail operations in India like regulatory restrictions and lack of strong credit information infrastructure. It analyzes strategies for banks like focusing on customer service, risk management, and fee-based income from third party products.
This document provides an introduction and overview of State Bank of India's (SBI) financing activities for small and medium enterprises (SMEs) based on a project report and survey conducted in Rajkot, Gujarat, India. It discusses SBI's history and operations, defines SMEs, describes the importance of SME financing for economic development, and outlines SBI's procedures and services for financing SMEs. The survey found that marketing efforts by SBI helped the bank earn 18 crores of new business from SMEs in the industrial areas surveyed in Rajkot.
PROJECT REPORT ON MICRO FINANCE// FREE PROJECT REPORT|| MBA PROJECT REPORT|| MBA FINANCE FREE PROJECT REPORT ON MICRO FINANCE ||MBA PROJECT REPORT ON MICRO FINANCE || SMU MBA FINANCE 4RTH SEMESTER FREE PROJECT REPORT ON MICRO FINANCE|| HOW TO MAKE PROJECT ON MICRO FINANCE || FREE DOWNLOAD FULL PROJECT REPORT ON MICRO FINANCE
customer satisfaction of internet banking of union bank of indiaShrey Saxena
This document is a primary project report submitted by Shrey Saxena to their professor, Mr. Manoj Saxena, as a requirement for their post-graduation diploma in management from the International Institute for Special Education in Lucknow. The report studies customer satisfaction with internet banking services from Union Bank of India. It includes an acknowledgements section, declaration, table of contents, and sections on the research design, data collection, data analysis, findings, conclusions, and recommendations. It also includes a questionnaire used in the study. The report provides an in-depth analysis of customer perceptions and satisfaction with Union Bank of India's e-banking services.
Technology has significantly impacted banking operations in both positive and negative ways. Positively, technology allows banks to offer new services to customers through multiple delivery channels, share information more easily, and potentially expand their operations geographically without establishing new branches. However, technology adoption can be expensive and time-consuming, requires changes to job roles and training, and introduces security and customer retention issues for banks. The role of branches is also changing, becoming more advisory as transactions increasingly move to digital channels.
This document provides an overview of microfinance in India. It discusses how microfinance provides financial services to low-income individuals who lack access to traditional banking. It notes examples like Mrs. Bharti who was able to start a sewing business after getting a microloan. The document also discusses challenges in the microfinance sector like steady access to capital, heavy dependence on banks/financial institutions, and political sensitivity around interest rates charged. Overall, the document aims to introduce microfinance and its role in empowering the poor in India.
This document is a research project report submitted in partial fulfillment of an MBA degree. It examines the impact of microfinance on the living standards, empowerment and poverty alleviation of poor women in North India. The report includes a declaration by the student, acknowledgements of those who assisted and supervised the project, and an introduction providing context on microfinance and its goals. It also outlines the chapters to follow, which will cover a literature review on previous research conducted on microfinance and its effects, as well as subsequent chapters analyzing and discussing the results of the student's case study research.
The document summarizes the key events surrounding India's demonetization in 2016. It discusses how the Indian government unexpectedly announced that Rs. 500 and Rs. 1000 banknotes would no longer be valid legal tender. The goal was to curb black money and counterfeiting. However, the sudden move led to severe cash shortages and economic disruptions as people scrambled to exchange their notes. While some initially supported the initiative, it faced significant criticism for its poorly planned implementation and negative economic impacts.
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
The impact of technology on the real & financial world around the central banks
-E-governance
-Choice of channels , confidence and convenience to the end-user
-Efficiency
-Facilitating growth of products & services
summer internship project report on union bank of indiaabhishek rane
The document is a summer internship report submitted by Abhishek Krishnakumar Rane for their Master of Management Studies program through BES's Institute of Management Studies and Research. The report discusses a project conducted at Union Bank of India on opportunities in the power sector and assessing credit viability of power projects. It provides an overview of Union Bank of India, including its vision, mission, history and products/services. It also examines the bank's financial performance, strategies, and departments like marketing, finance, and HR. The report aims to gain comprehensive knowledge of the power sector and analyze various aspects of power project financing in India.
This document provides an analysis of opportunity for promotional strategies for State Bank of India. It begins with an overview of SBI as the largest nationalized commercial bank in India. It then defines various banking services including investment banking, retail banking, commercial banking, private banking, and asset management. It identifies SBI's target markets as current and potential customers in rural areas and tier 2/3 cities. The document outlines SBI's communication objectives of increasing awareness, attention, and purchase actions. It notes factors that affect the communication budget such as company strategy, product life cycle stage, and competitive intensity. Finally, it recommends creating communications strategies that match SBI's strategy and focus on opportunities/threats while fitting the company image, and
This document provides an overview of Axis Bank, including:
- Axis Bank was established in 1994 as the first private sector bank after reforms allowed private banks. It was jointly promoted by UTI, LIC, and other insurers.
- Axis Bank is now the third largest private sector bank in India with over 1,700 branches across the country.
- The document outlines Axis Bank's business activities, subsidiaries, promoters including UTI and LIC, and its position as one of the leading banking franchises in India.
This document summarizes an internship report submitted to Axis Bank. It provides background on Axis Bank, including its vision, capital structure, business segments, and SWOT analysis. The internship project involved a comparative analysis of Axis Bank's products and services against its competitors. A survey was conducted with 100 Axis Bank customers. Findings showed customers were generally satisfied but Axis could improve areas like technology updates and number of ATMs. Recommendations included promoting internet banking more, increasing ATM network flexibility, and targeting more customer groups. The conclusion was that Axis has a good customer relationship but needs to improve services and adoption of technology versus competitors.
Financial Performance Analysis Of Janata Bank LimitedHasnan Imtiaz
This document provides an overview and analysis of a report on the financial performance of Janata Bank Ltd. It begins with an introduction to the bank, describing its role in Bangladesh's economy and financial system. It then outlines the objectives, methodology and scope of the report, which includes analyzing Janata Bank's financial statements from 2009-2013 to identify strengths and weaknesses. The document provides context on the bank's background, objectives, and awards it has received. It describes the report's purpose as evaluating the bank's past financial performance to help inform management decision-making.
1. Bank branch expansion into rural unbanked areas of India significantly reduced rural poverty by increasing deposit mobilization and credit disbursement.
2. Preliminary analysis suggests mobile money like M-Pesa has a higher transaction velocity than other monetary instruments typically held by households, especially cash.
3. In Kenya, the outstanding e-float balance held in M-Pesa accounts was over 757 million shillings in August 2008, while the average currency in circulation was only 85.2 billion shillings over the same period.
HDFC Bank was one of the first private sector banks established in India in 1994. It has grown to become one of the largest banks in India with over 1,400 branches and 3,295 ATMs across 528 cities. HDFC Bank offers a wide range of banking products and services to both retail and corporate customers through its wholesale and retail banking divisions. It has achieved numerous awards and recognition for its financial performance, innovation, and customer service.
AXIS BANK (SEGMENTATION AXIS BANK PRODUCTS & SERVICES.)Lakshman Reddy
Axis Bank was established in 1994 as one of the first private sector banks in India. It offers various banking products and services segmented according to demographic and psychographic variables to meet the diverse needs of individual and corporate clients. The bank analyzes its strengths, weaknesses, opportunities, and threats to improve its offerings. It aims to provide excellent customer service and innovative products through teamwork and integrity.
State Bank of India Summer Internship Presentation. Manoj Patle
This document provides an overview of a study conducted on SBI's SME loan products in the Damoh region. It includes an introduction, objectives, background on SMEs, scope and limitations of the study which was focused on existing loan customers in Damoh and Panna. A SWOT analysis of SBI identifies strengths in market share and operations but weaknesses in customer service. Opportunities exist in rural banking and technology, while threats include loss of market share. Recommendations focus on increasing customer awareness, improving service, retaining customers through customized products and gathering feedback. The conclusion is that customers responded positively but SBI should focus on innovation, services and retention.
The document summarizes the key findings of Accenture's 2016 Technology Vision report for the banking industry. It identifies five technology trends that will be essential for banking success: 1) the platform economy, where banks can create value by joining digital platforms and ecosystems, 2) digital trust, where banks must strengthen ethics and security to rebuild customer trust, 3) liquid workforce, utilizing flexible teams focused on business outcomes, 4) intelligent automation, using AI and automation to improve operations by working with people, and 5) predictable disruption, where banks must proactively monitor digital ecosystems to anticipate changes. The report provides analysis and recommendations for how banks can adapt to these trends.
This document provides an overview of key trends in financial technology and digital banking. It discusses the growth of mobile banking and investments banks are making to upgrade their mobile and online services. Other topics covered include the value of customer data, social media metrics, application programming interfaces, and cloud computing. Brief quotes from reviews of the author Chris Skinner's book praise its timely examination of challenges facing banks in the digital age.
Project on retail banking with reference to syndicate bank.Mayanksng07
This document provides an overview of retail banking in India. It discusses the growth of retail lending in India since liberalization in 1991. Retail lending has grown significantly over the past decade due to increasing disposable income, a growing middle class, and changing attitudes towards loans. However, retail loan growth has not been uniform and banks need appropriate strategies like inclusive and responsible banking to ensure sustainable growth. The document also discusses major players in retail banking in India like SBI and HDFC Bank and examines challenges for foreign banks in expanding retail operations in India like regulatory restrictions and lack of strong credit information infrastructure. It analyzes strategies for banks like focusing on customer service, risk management, and fee-based income from third party products.
This document provides an introduction and overview of State Bank of India's (SBI) financing activities for small and medium enterprises (SMEs) based on a project report and survey conducted in Rajkot, Gujarat, India. It discusses SBI's history and operations, defines SMEs, describes the importance of SME financing for economic development, and outlines SBI's procedures and services for financing SMEs. The survey found that marketing efforts by SBI helped the bank earn 18 crores of new business from SMEs in the industrial areas surveyed in Rajkot.
PROJECT REPORT ON MICRO FINANCE// FREE PROJECT REPORT|| MBA PROJECT REPORT|| MBA FINANCE FREE PROJECT REPORT ON MICRO FINANCE ||MBA PROJECT REPORT ON MICRO FINANCE || SMU MBA FINANCE 4RTH SEMESTER FREE PROJECT REPORT ON MICRO FINANCE|| HOW TO MAKE PROJECT ON MICRO FINANCE || FREE DOWNLOAD FULL PROJECT REPORT ON MICRO FINANCE
customer satisfaction of internet banking of union bank of indiaShrey Saxena
This document is a primary project report submitted by Shrey Saxena to their professor, Mr. Manoj Saxena, as a requirement for their post-graduation diploma in management from the International Institute for Special Education in Lucknow. The report studies customer satisfaction with internet banking services from Union Bank of India. It includes an acknowledgements section, declaration, table of contents, and sections on the research design, data collection, data analysis, findings, conclusions, and recommendations. It also includes a questionnaire used in the study. The report provides an in-depth analysis of customer perceptions and satisfaction with Union Bank of India's e-banking services.
Technology has significantly impacted banking operations in both positive and negative ways. Positively, technology allows banks to offer new services to customers through multiple delivery channels, share information more easily, and potentially expand their operations geographically without establishing new branches. However, technology adoption can be expensive and time-consuming, requires changes to job roles and training, and introduces security and customer retention issues for banks. The role of branches is also changing, becoming more advisory as transactions increasingly move to digital channels.
This document provides an overview of microfinance in India. It discusses how microfinance provides financial services to low-income individuals who lack access to traditional banking. It notes examples like Mrs. Bharti who was able to start a sewing business after getting a microloan. The document also discusses challenges in the microfinance sector like steady access to capital, heavy dependence on banks/financial institutions, and political sensitivity around interest rates charged. Overall, the document aims to introduce microfinance and its role in empowering the poor in India.
This document is a research project report submitted in partial fulfillment of an MBA degree. It examines the impact of microfinance on the living standards, empowerment and poverty alleviation of poor women in North India. The report includes a declaration by the student, acknowledgements of those who assisted and supervised the project, and an introduction providing context on microfinance and its goals. It also outlines the chapters to follow, which will cover a literature review on previous research conducted on microfinance and its effects, as well as subsequent chapters analyzing and discussing the results of the student's case study research.
The document summarizes the key events surrounding India's demonetization in 2016. It discusses how the Indian government unexpectedly announced that Rs. 500 and Rs. 1000 banknotes would no longer be valid legal tender. The goal was to curb black money and counterfeiting. However, the sudden move led to severe cash shortages and economic disruptions as people scrambled to exchange their notes. While some initially supported the initiative, it faced significant criticism for its poorly planned implementation and negative economic impacts.
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
The impact of technology on the real & financial world around the central banks
-E-governance
-Choice of channels , confidence and convenience to the end-user
-Efficiency
-Facilitating growth of products & services
summer internship project report on union bank of indiaabhishek rane
The document is a summer internship report submitted by Abhishek Krishnakumar Rane for their Master of Management Studies program through BES's Institute of Management Studies and Research. The report discusses a project conducted at Union Bank of India on opportunities in the power sector and assessing credit viability of power projects. It provides an overview of Union Bank of India, including its vision, mission, history and products/services. It also examines the bank's financial performance, strategies, and departments like marketing, finance, and HR. The report aims to gain comprehensive knowledge of the power sector and analyze various aspects of power project financing in India.
This document provides an analysis of opportunity for promotional strategies for State Bank of India. It begins with an overview of SBI as the largest nationalized commercial bank in India. It then defines various banking services including investment banking, retail banking, commercial banking, private banking, and asset management. It identifies SBI's target markets as current and potential customers in rural areas and tier 2/3 cities. The document outlines SBI's communication objectives of increasing awareness, attention, and purchase actions. It notes factors that affect the communication budget such as company strategy, product life cycle stage, and competitive intensity. Finally, it recommends creating communications strategies that match SBI's strategy and focus on opportunities/threats while fitting the company image, and
This document provides an overview of Axis Bank, including:
- Axis Bank was established in 1994 as the first private sector bank after reforms allowed private banks. It was jointly promoted by UTI, LIC, and other insurers.
- Axis Bank is now the third largest private sector bank in India with over 1,700 branches across the country.
- The document outlines Axis Bank's business activities, subsidiaries, promoters including UTI and LIC, and its position as one of the leading banking franchises in India.
This document summarizes an internship report submitted to Axis Bank. It provides background on Axis Bank, including its vision, capital structure, business segments, and SWOT analysis. The internship project involved a comparative analysis of Axis Bank's products and services against its competitors. A survey was conducted with 100 Axis Bank customers. Findings showed customers were generally satisfied but Axis could improve areas like technology updates and number of ATMs. Recommendations included promoting internet banking more, increasing ATM network flexibility, and targeting more customer groups. The conclusion was that Axis has a good customer relationship but needs to improve services and adoption of technology versus competitors.
Financial Performance Analysis Of Janata Bank LimitedHasnan Imtiaz
This document provides an overview and analysis of a report on the financial performance of Janata Bank Ltd. It begins with an introduction to the bank, describing its role in Bangladesh's economy and financial system. It then outlines the objectives, methodology and scope of the report, which includes analyzing Janata Bank's financial statements from 2009-2013 to identify strengths and weaknesses. The document provides context on the bank's background, objectives, and awards it has received. It describes the report's purpose as evaluating the bank's past financial performance to help inform management decision-making.
1. Bank branch expansion into rural unbanked areas of India significantly reduced rural poverty by increasing deposit mobilization and credit disbursement.
2. Preliminary analysis suggests mobile money like M-Pesa has a higher transaction velocity than other monetary instruments typically held by households, especially cash.
3. In Kenya, the outstanding e-float balance held in M-Pesa accounts was over 757 million shillings in August 2008, while the average currency in circulation was only 85.2 billion shillings over the same period.
HDFC Bank was one of the first private sector banks established in India in 1994. It has grown to become one of the largest banks in India with over 1,400 branches and 3,295 ATMs across 528 cities. HDFC Bank offers a wide range of banking products and services to both retail and corporate customers through its wholesale and retail banking divisions. It has achieved numerous awards and recognition for its financial performance, innovation, and customer service.
AXIS BANK (SEGMENTATION AXIS BANK PRODUCTS & SERVICES.)Lakshman Reddy
Axis Bank was established in 1994 as one of the first private sector banks in India. It offers various banking products and services segmented according to demographic and psychographic variables to meet the diverse needs of individual and corporate clients. The bank analyzes its strengths, weaknesses, opportunities, and threats to improve its offerings. It aims to provide excellent customer service and innovative products through teamwork and integrity.
State Bank of India Summer Internship Presentation. Manoj Patle
This document provides an overview of a study conducted on SBI's SME loan products in the Damoh region. It includes an introduction, objectives, background on SMEs, scope and limitations of the study which was focused on existing loan customers in Damoh and Panna. A SWOT analysis of SBI identifies strengths in market share and operations but weaknesses in customer service. Opportunities exist in rural banking and technology, while threats include loss of market share. Recommendations focus on increasing customer awareness, improving service, retaining customers through customized products and gathering feedback. The conclusion is that customers responded positively but SBI should focus on innovation, services and retention.
The document summarizes the key findings of Accenture's 2016 Technology Vision report for the banking industry. It identifies five technology trends that will be essential for banking success: 1) the platform economy, where banks can create value by joining digital platforms and ecosystems, 2) digital trust, where banks must strengthen ethics and security to rebuild customer trust, 3) liquid workforce, utilizing flexible teams focused on business outcomes, 4) intelligent automation, using AI and automation to improve operations by working with people, and 5) predictable disruption, where banks must proactively monitor digital ecosystems to anticipate changes. The report provides analysis and recommendations for how banks can adapt to these trends.
This document provides an overview of key trends in financial technology and digital banking. It discusses the growth of mobile banking and investments banks are making to upgrade their mobile and online services. Other topics covered include the value of customer data, social media metrics, application programming interfaces, and cloud computing. Brief quotes from reviews of the author Chris Skinner's book praise its timely examination of challenges facing banks in the digital age.
This document discusses innovations in the Indian banking industry through increased adoption of information technology. It outlines how IT has transformed banking transactions and systems, providing benefits like anytime banking from anywhere. Recent technological products discussed include ATMs, electronic funds transfer, mobile banking, and more. While IT adoption has improved access and services, it also presents challenges for banks around choosing the right channels, managing investments and costs, introducing technologies in rural areas, and ensuring security.
Indian banking system and its emerging trendsRaveena Kaushal
This document summarizes the history and development of the Indian banking system. It discusses the establishment of early banks in India such as the Bank of Calcutta in 1806. It also describes the functions of banks and various technological innovations that have eased banking like ATMs, credit cards, and electronic banking. The latest trends in Indian banking discussed include universal banking, globalization of banking, and use of technologies like satellite banking, phone banking, online banking, and real time gross settlement. Risk management and customer relationship management have also become increasingly important in Indian banks.
This document discusses innovation in the Indian banking sector. It outlines various types of innovative banking like e-banking, core banking, corporate banking, investment banking, rural banking, NRI banking, and retail banking. It also describes types of products and services offered by banks, including total branch automation, any branch banking, demat services, microfinance, plastic money, and mobile banking. The document further discusses electronic systems used in banking, such as ATMs, RTGS, and the Finacle core banking solution. It concludes that reforms have changed Indian banking and improved technology, deregulation, and services, positioning India to become a global power in banking.
The document discusses new trends in the Indian banking system, including increased use of technology and digital services. It outlines how banks have adopted technologies like core banking solutions, customer relationship management, electronic payments, real-time gross settlement, electronic fund transfer, electronic clearing systems, ATMs, telebanking/mobile banking, point of sale terminals, and electronic data interchange to automate operations, improve efficiency, and enhance customer service. The trends have redefined banking operations and allowed customers to access services anytime from anywhere. Foreign direct investment is also said to ensure better risk management and capitalization in the Indian banking sector.
This document provides an overview and outline of a banking management system project. It acknowledges the guidance provided by faculty members. The abstract describes the goals of defining and managing requirements to ensure customer needs are met. The introduction discusses the project objectives of authorizing users, locating accounts, and reducing clerical work. It also covers project benefits and scope such as accessing privileged banking and providing banking services. The system development life cycle stages are then outlined, including preliminary investigation, determining requirements, designing the system, development, testing, and implementation.
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The 2017 Accenture Technology Vision report showcases the top five disruptive IT trends and innovations shaping the business landscape in 2017 and beyond. Take action today and shape technology to fit your needs.
Learn more at www.accenture.com/technologyvision
This presentation discusses strategies for maximizing instructional time in 45-minute class periods for career and technical education (CTE) courses. It provides pros and cons of 45-minute periods and emphasizes key components like effective planning, eliminating free time, and ensuring quick transitions. Specific strategies are presented in areas like academic integration, calendar/pacing, time management, instructional techniques, work-based learning, and dual credit possibilities. The goal is to help CTE teachers optimize their shorter class periods for student learning.
The document discusses the Workforce Innovation and Opportunity Act (WIOA) and how it relates to Career and Technical Education (CTE). Some key points:
- State plans under WIOA must include the Carl D. Perkins Act and address career pathways.
- CTE programs should align with labor market data, work with workforce boards on career pathways, and consider aligning Perkins measures with WIOA measures.
- A career pathway is defined as a combination of education, training, and support services that aligns with industry needs, prepares students for secondary and postsecondary options, and helps students enter a specific occupation or field.
This document provides an overview of how to use LiveBinders as an educational resource tool. It discusses the basics of LiveBinders including what it is, how to create an account and install the "LiveBinder It" bookmarklet. It then covers how to add various types of content like links, files, images, videos and more. It also explains how to organize content using tabs and subtabs, copy/move tabs, color tabs, and manage uploaded files. The document concludes by discussing how to edit binder settings, share binders, and create custom shelves to organize groups of binders by topic.
Technology has transformed the banking industry by opening new markets through online and mobile banking platforms, increasing the speed of financial transactions globally, and allowing banks to meet the demands of more tech-savvy customers. Key technologies include mobile banking, payments, and remote check deposit, social media integration, and personal financial management tools to help customers track spending. Technology also facilitates new delivery channels like ATMs and online banking while enhancing security and fraud prevention.
The document provides instructions for properly formatting a movie script. It details that the writer's name and contact information should be in the top right corner. Each scene should include the effect, location, descriptions, character directions, and dialog formatted in specific ways, such as capitalizing character names and tabbing the dialog. The font used throughout is Courier 12 point.
This document provides an overview of digital audio editing using Audacity software. It discusses how sound is converted to digital format, the basics of using Audacity for recording and editing audio, and how to save projects and export audio files. It also covers using Audacity to create podcasts by recording audio, saving it as an MP3, and uploading it to a podcast channel so subscribers can automatically download new episodes.
The document provides instructions for recording audio using Sound Recorder on a computer. It describes connecting a microphone, opening Sound Recorder, selecting the correct input, setting the record volume level by monitoring the signal strength on a practice recording, recording by clicking record, stopping recording, saving the file, and playing it back. It also mentions adjusting the quality level and adding echo effects.
The document defines key terms related to audio recording and production including audio, frequency, microphone, pitch, public service announcement, script, sound bite, sound card, sound clip, sound wave, volume, and .wav file format. The University of North Texas partnered with the Texas Education Agency to create the definitions.
The document provides tips for desktop publishing including having a plan, choosing a template, setting up the document, placing and formatting text and graphics, tweaking graphic placement, applying design rules, proofreading a draft, and finally printing the project. Key steps are to have an initial sketch, select a template or start from scratch, import or type text and graphics, align and style text, move graphics for proper wrapping, and proof before final printing.
This document provides information about logo design and target markets. It discusses the importance of understanding the target market a company aims to reach and designing logos accordingly. Fonts, colors, artwork and design style should be tailored to the target market. Examples are given of companies like Fender Guitars and Emerson, Lake, & Palmer Attorneys and their target markets. The document then discusses the logo redesign process and provides tips for text and image editing in logo design.
This document provides an overview of computer and illustrator basics, including metaphors used in operating systems and design software, and the differences between vector and bitmap files. It explains that operating systems are built around office metaphors like documents, folders, and desktops, while design software uses artistic metaphors like pencils, brushes, and art boards. Additionally, it outlines that vector graphics use mathematical algorithms to scale smoothly, while bitmap images are made of pixels that become visible when enlarged. Mastering these interface metaphors and file types is key to using computer graphics tools.
The document introduces principles of good design that artists and designers use to create effective compositions. It states that principles of design are tools that determine whether a design is weak or strong, depending on how well the artist applies them. It also notes that all art forms are subject to the same principles of design. The document goes on to discuss elements of composition and how arranging various components in a unified, pleasing way creates an effective composition. It stresses that good art starts with an idea to express and the goal is to create a unified, interesting composition.
The document discusses fiscal policy and how it can be used to influence the economy. It explains that John Maynard Keynes theorized that the government should get involved in the economy through taxing and spending policies. During recessions, the government can stimulate the economy by increasing spending or cutting taxes. This puts "money in people's pockets" and leads to recovery. The Great Depression changed traditional laissez-faire economic thinking by showing the economy does not always self-correct, necessitating a more active government role through Keynesian fiscal policies.
There are several common sources of income, including wage income from employment, entrepreneurial income from owning a business, dividend income from investments, interest income from bank accounts, rental income from property, social security benefits, and disability income from insurance plans. These sources provide different ways for individuals to generate funds beyond solely relying on wages from an employer.
The document discusses the concept of profit maximization for firms. It states that firms aim to maximize profits by producing at the quantity where marginal revenue equals marginal cost. Marginal revenue is the change in total revenue from selling one more unit, while marginal cost is the change in total cost from producing one more unit. The profit-maximizing level of output occurs when marginal revenue and marginal cost are equal, as this is where profits are highest.
Financial markets facilitate various types of financial transactions that help businesses grow and investors earn money. They include capital markets, stock markets, bond markets, money markets, derivatives markets, foreign exchange markets, insurance markets, and commodity markets. Financial markets allow companies and governments to raise funds by issuing stocks, bonds, and other financial instruments, while also enabling investors to buy and sell existing securities. They play a vital role in the economy by connecting those who need to borrow money with those who have money to lend.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Insurance originated thousands of years ago when groups would pool resources to protect merchants transporting goods from losses. The first formal insurance company was formed in London in 1688 and focused on protecting sea voyages. Modern insurance developed further after the Great Fire of London in 1666 when societies were formed for people to pool money to cover losses. The first American insurance company was established in Charleston, South Carolina in 1735 and the industry has grown significantly over the centuries to become a trillion dollar business employing millions of people.
Countries trade because they have different amounts and types of natural, human, and capital resources, allowing some to produce certain goods more efficiently than others. When a country has an absolute advantage in producing a good, both it and its trading partner benefit from specializing in what they produce most efficiently and trading. Countries have varying opportunity costs due to differences in their resource endowments like climate, growing seasons, natural resources, education levels, and capital equipment. World trade is dynamic as resource supplies and productivity can change over time.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...Donc Test
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.