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SR.

STUDENT’S NAME

ROLL NO.

1.

NISHAD VIJAYKUMAR MAHENDRA

23

2.

SHARMA VRUJESH

33

3.

BAGDE NIKHIL

02

4.

BHUPESH TEMKAR

44

5.

GURUNG SANDEEP

12
 Its a bank made for the
economically weeker section of
the society, those banks help them
getting loans in lower interest
etc....
 You can say like for farmers or any
small scale undertakings or
transactions...
 Saraswat Bank is an urban co-operative
banking institution based in Maharashtra,
India and operating as a co-operative bank
since 14th sep. 1918.
 In 1988, it was conferred with scheduled
status by the Reserve Bank of India.
 “Service to the Common Man” has been
the motto of Saraswat Bank for the last 91
years.
 Immediate transfer and registration of
securities .
 Elimination of Bad deliveries .
 Free SMS facility.
 Free AMC for one year .
 No stamp duty on transfer of securities .
 Free Ideas facility.
VARIOUS DEPOSIT SCHEMES
PERSONAL
 ELITE GOLD SAVING
ACCOUNT





 ELITE SILVER SAVING

ACCOUNT

 SAVING FOR KIDS {CUBS} 


 AKSHAY SALARY
SCHEMES

NRI
Deposit Accounts
Personal Loans
Money Gram
Xpress Money
Overseas ( Nostro ) Account
Forex Centers
Remittance Services
Trade Finance
FAQs
TYPES OF SERVICES:






Visa Debit Card
Mobile Banking
Easy Pay
Insurance
Mutual Fund

E-PAYMENT:
 Visa Bill Payment
 Go Recharge
 For Verified by Visa
(Registration)
NAME OF THE BANK

GROWTH %

NET PROFIT

The Kapol Co-op. Bank

1.99% p.y.

1012.23 cr.

CITIZENCREDIT Co-op. Bank

1.79% p.y.

901.40 cr.

Bassein Catholic Co-op. Bank

1.33% p.y.

700.23 cr.

Shamrao Vithal Co-op. Bank

1.13% p.y.

625.45 cr.

The Cosmos Co-op. Bank

0.99% p.y.

400.45 cr.

The Saraswat Co-op. Bank

0.97% p.y.

250.12 cr.

Surat People`s Co-op. Bank

0.61 %p.y.

180.18 cr.

The Urban Co-op. Bank Ltd.

0.42 %p.y.

170.14 cr.

New India Co-op. Bank

0.34 %p.y.

150.24 cr.
NAME OF THE BANK

GROWTH %

NET PROFIT

ICICI Bank

2.05% p.y.

2012.23 cr.

HDFC Bank

1.79% p.y.

1201.40 cr.

Axis Bank

1.33% p.y.

800.23 cr.

Kotak Mahindra Bank

1.00% p.y.

625.45 cr.

Yes Bank

0.99% p.y.

400.45 cr.

Federal Bank

0.78% p.y.

250.11 cr.

IndusInd Bank

0.61 %p.y.

180.18 cr.

ING Vysya Bank

0.52 %p.y.

170.14 cr.

Jammu and Kashmir Bank

0.46 %p.y.

150.24 cr.
MANY
,
“EVEN AFTER BEING A CO-OPERATIVE
 FOR BETTER BANK .“
UNDERSTANDING WE
COMPARE THE PERFORMANCE OF
 PERFORMANCE OF IndusIND BANK :
Particulars
( in Crore)

Q1
FY 12

Q1
FY11

YoY growth
(%)

Net Interest
Income

336.01

295.68

26

Core Fee
Income

167.07

129.58

36

Net Profit

180.18

138.55

45

Net NPA (%)

0.30

0.38

8 bps
 PERFORMANCE OF SARASWAT COOPERATIVE
BANK :
Particulars
( in Crore)

Q1
FY 12

Q1
FY11

YoY growth
(%)

Net Interest
Income

400.01

300.68

35

Core Fee
Income

190.07

136.58

46

Net Profit

250.12

149.67

56

Net NPA (%)

0.00

0.10

2 bps
The saraswat bank 7P’s criteria is followed below :
1. PRODUCT:

Sarswat

co-operative bank is No. 1 amongst the 1,700
UCBs in the Urban Co-operativeBanking Sector in
India.
 The fact remains that we do 0.3% to 0.4% to nation's
banking business.

2. PLACE:


The bank has adopted the cluster based approach.
 Instead of having an isolated branch, they have 45 branches in a far off area.
3. PROMOTION:
 Promotion of any brand is very necessary; this helps the
marketer as well as customer to understand each other
well.
 The Sarswat Co-operative bank has appointed Shri Dilip
Prabhavalkar, veteran artist as their Brand Ambassador.
4. PRICING:
 The bank initiatives are as follows :
 Optimum utilization of the available resources of
he bank.
 Streamlining/Re-engineering various procedures in the bank,
thus improving customer service.
5. PEOPLE:

 During the FY 2008-09, a total of 2,225 employees
working in Saraswat Bank.
 Today Saraswat Bank have 250 branches, (i.e. 70
more branches by 31st March, 2011)
6. PROCESS:

 1.STANDARDIZATION 2.CUSTOMIZATION 3.SIMPLICITY
7. PHYSICAL EVIDENCE:

 Internet & Web:
 Web:www.saraswatbank.com
 Email : corporateoffice@saraswatbank.com
STRENGTH :
 Saraswat Bank is No. 1 amongst the 1,700 UCBs in
the Urban Cooperative BankingSector in India with
over 90 years of cumulative banking experience.
 High standard regulatory environment.
WEAKNESS :
 Lack of competitive differential with other offshore
centres.
 Rigid legislation that inhibits business
development
OPPORTUNITY :
 Saraswat Bank has a business stake of only Rs. 20,000
crore,which is a miniscule of merely 1.2% share in the
total banking business in the State of Maharashtra.
This provides a huge opportunity to the bank.

THREATS :
 Rise in inflation figures which would lead to increase
in interest rates.
 Increase in the number of foreign players would pose
a threat to the PSB as well as the private players.
"To emerge as one of the
premier and most preferred
banks in the country by
adopting highest standards of
professionalism and excellence
in all the areas of
working !!!"
PPT on Saraswat Bank

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PPT on Saraswat Bank

  • 1.
  • 2. SR. STUDENT’S NAME ROLL NO. 1. NISHAD VIJAYKUMAR MAHENDRA 23 2. SHARMA VRUJESH 33 3. BAGDE NIKHIL 02 4. BHUPESH TEMKAR 44 5. GURUNG SANDEEP 12
  • 3.
  • 4.  Its a bank made for the economically weeker section of the society, those banks help them getting loans in lower interest etc....  You can say like for farmers or any small scale undertakings or transactions...
  • 5.  Saraswat Bank is an urban co-operative banking institution based in Maharashtra, India and operating as a co-operative bank since 14th sep. 1918.  In 1988, it was conferred with scheduled status by the Reserve Bank of India.  “Service to the Common Man” has been the motto of Saraswat Bank for the last 91 years.
  • 6.
  • 7.  Immediate transfer and registration of securities .  Elimination of Bad deliveries .  Free SMS facility.  Free AMC for one year .  No stamp duty on transfer of securities .  Free Ideas facility.
  • 8. VARIOUS DEPOSIT SCHEMES PERSONAL  ELITE GOLD SAVING ACCOUNT      ELITE SILVER SAVING  ACCOUNT   SAVING FOR KIDS {CUBS}     AKSHAY SALARY SCHEMES NRI Deposit Accounts Personal Loans Money Gram Xpress Money Overseas ( Nostro ) Account Forex Centers Remittance Services Trade Finance FAQs
  • 9. TYPES OF SERVICES:      Visa Debit Card Mobile Banking Easy Pay Insurance Mutual Fund E-PAYMENT:  Visa Bill Payment  Go Recharge  For Verified by Visa (Registration)
  • 10. NAME OF THE BANK GROWTH % NET PROFIT The Kapol Co-op. Bank 1.99% p.y. 1012.23 cr. CITIZENCREDIT Co-op. Bank 1.79% p.y. 901.40 cr. Bassein Catholic Co-op. Bank 1.33% p.y. 700.23 cr. Shamrao Vithal Co-op. Bank 1.13% p.y. 625.45 cr. The Cosmos Co-op. Bank 0.99% p.y. 400.45 cr. The Saraswat Co-op. Bank 0.97% p.y. 250.12 cr. Surat People`s Co-op. Bank 0.61 %p.y. 180.18 cr. The Urban Co-op. Bank Ltd. 0.42 %p.y. 170.14 cr. New India Co-op. Bank 0.34 %p.y. 150.24 cr.
  • 11. NAME OF THE BANK GROWTH % NET PROFIT ICICI Bank 2.05% p.y. 2012.23 cr. HDFC Bank 1.79% p.y. 1201.40 cr. Axis Bank 1.33% p.y. 800.23 cr. Kotak Mahindra Bank 1.00% p.y. 625.45 cr. Yes Bank 0.99% p.y. 400.45 cr. Federal Bank 0.78% p.y. 250.11 cr. IndusInd Bank 0.61 %p.y. 180.18 cr. ING Vysya Bank 0.52 %p.y. 170.14 cr. Jammu and Kashmir Bank 0.46 %p.y. 150.24 cr.
  • 12. MANY , “EVEN AFTER BEING A CO-OPERATIVE  FOR BETTER BANK .“ UNDERSTANDING WE COMPARE THE PERFORMANCE OF
  • 13.  PERFORMANCE OF IndusIND BANK : Particulars ( in Crore) Q1 FY 12 Q1 FY11 YoY growth (%) Net Interest Income 336.01 295.68 26 Core Fee Income 167.07 129.58 36 Net Profit 180.18 138.55 45 Net NPA (%) 0.30 0.38 8 bps
  • 14.  PERFORMANCE OF SARASWAT COOPERATIVE BANK : Particulars ( in Crore) Q1 FY 12 Q1 FY11 YoY growth (%) Net Interest Income 400.01 300.68 35 Core Fee Income 190.07 136.58 46 Net Profit 250.12 149.67 56 Net NPA (%) 0.00 0.10 2 bps
  • 15.
  • 16.
  • 17.
  • 18. The saraswat bank 7P’s criteria is followed below : 1. PRODUCT:  Sarswat co-operative bank is No. 1 amongst the 1,700 UCBs in the Urban Co-operativeBanking Sector in India.  The fact remains that we do 0.3% to 0.4% to nation's banking business. 2. PLACE:  The bank has adopted the cluster based approach.  Instead of having an isolated branch, they have 45 branches in a far off area.
  • 19. 3. PROMOTION:  Promotion of any brand is very necessary; this helps the marketer as well as customer to understand each other well.  The Sarswat Co-operative bank has appointed Shri Dilip Prabhavalkar, veteran artist as their Brand Ambassador. 4. PRICING:  The bank initiatives are as follows :  Optimum utilization of the available resources of he bank.  Streamlining/Re-engineering various procedures in the bank, thus improving customer service.
  • 20. 5. PEOPLE:  During the FY 2008-09, a total of 2,225 employees working in Saraswat Bank.  Today Saraswat Bank have 250 branches, (i.e. 70 more branches by 31st March, 2011) 6. PROCESS:  1.STANDARDIZATION 2.CUSTOMIZATION 3.SIMPLICITY 7. PHYSICAL EVIDENCE:  Internet & Web:  Web:www.saraswatbank.com  Email : corporateoffice@saraswatbank.com
  • 21. STRENGTH :  Saraswat Bank is No. 1 amongst the 1,700 UCBs in the Urban Cooperative BankingSector in India with over 90 years of cumulative banking experience.  High standard regulatory environment. WEAKNESS :  Lack of competitive differential with other offshore centres.  Rigid legislation that inhibits business development
  • 22. OPPORTUNITY :  Saraswat Bank has a business stake of only Rs. 20,000 crore,which is a miniscule of merely 1.2% share in the total banking business in the State of Maharashtra. This provides a huge opportunity to the bank. THREATS :  Rise in inflation figures which would lead to increase in interest rates.  Increase in the number of foreign players would pose a threat to the PSB as well as the private players.
  • 23. "To emerge as one of the premier and most preferred banks in the country by adopting highest standards of professionalism and excellence in all the areas of working !!!"