Spandana plans to expand its operations in Madhya Pradesh, Rajasthan, and Uttar Pradesh over three phases by January 26th. The objectives are to become the market leader in MP, rejuvenate operations in Rajasthan, and start operations in UP. The document outlines strategies for expansion such as opening branches in locations with potential and where other MFIs are already operating successfully. It also discusses conducting surveys of potential locations, a human resource plan to recruit and train 350 credit assistants and 75 branch managers, and an activity chart laying out timelines for surveys, recruitment, training and administrative tasks needed for branch expansion.
MCB Islamic Bank Internship Report - UCP - 2019FaHaD .H. NooR
The document is an internship report for MCB Islamic Bank Limited. It includes sections on the organizational profile, departments, personal experiences, recommendations, and a comparison of theoretical versus practical knowledge. The key points are:
- The intern worked in the HR department's Learning & Development unit, performing tasks like updating training records and files.
- Main bank departments observed were HR, Finance, Internal Audit, IT, and Administration.
- Personal experiences included gaining skills like patience, teamwork, and learning office management. Problems identified included a lack of benefits and motivations for employees.
- Recommendations included converting to online banking, implementing a reward system, and adding curricular activities to relieve employee stress
Internship report on expansion strategy of hsbc in bangladeshWINNERbd.it
Here are the key limitations I faced while conducting this study:
- Time constraint - The time period for the internship and project was limited which did not allow for extensive primary research.
- Access to information - I did not have full access to HSBC's internal strategic plans, financial data, customer information etc. due to confidentiality.
- Secondary data - Reliance on secondary sources like websites, reports could mean some information was outdated or incomplete.
- Subjectivity - As this involved analysis and opinions, some level of subjectivity is inevitable. Other researchers may have different perspectives.
- Dynamic market - The banking industry is rapidly evolving so strategies that were effective in the past may not remain so in future
This document is an internship report submitted by Muhammad Yasir to KASBIT University in 2013. It provides an overview of Yasir's internship at MCB Bank, including a brief history of MCB Bank highlighting its development, nationalization, and privatization phases. The report also describes MCB Bank's mission, core values, key operations like general banking, clearing, remittance, accounts, and cash departments. It provides details of the processes carried out in these departments.
The document discusses the training programs at Punjab National Bank. It provides details of various training programs conducted by PNB for employees at different levels, including programs on branch operations, control and monitoring, agriculture, information security, credit appraisal, and auditing. It outlines the methodology used for assessing training needs, including feedback forms, interviews, and performance appraisals. The training programs aim to enhance skills of employees, update them on new technologies and products, and help them work more efficiently. The schedule of programs is designed keeping in view the objectives, level of participants, and need for a variety of teaching methods.
The document is an internship report submitted by Hidayat Ullah about his internship at the MCB Bank Limited Kohat City Branch in Pakistan. It provides details about MCB Bank such as its vision, mission, objectives, and core values. It also describes the different departments in the Kohat City Branch and the work done by the intern during the 8-week internship period.
This document provides a summary of a summer training report for an MBA program. It discusses a summer training project conducted at HDFC Bank in Bhavnagar, India. The first few pages include preface, acknowledgements, executive summary and index sections. It then discusses topics like the history of banking in India, the profile of HDFC Bank, its organizational structure, products, services, marketing, finance, human resources and findings from the training project. The document aims to provide an overview of HDFC Bank and insights gained from the summer training.
The document describes the internship experience of Aqsa Nawab at the Bank Alfalah Islamic branch in Multan Road, Lahore. It provides details of the internship duration and training received in various bank departments like services, accounts opening, scanning, and cash. The document also gives an overview of Bank Alfalah's organizational structure and the functions of different departments at the branch where the internship was completed.
The document is a report on The Co-operative Bank of Rajkot Ltd (Raj Bank). It provides an overview of the bank, including its mission, leadership structure, branch network, services offered, human resources practices, marketing, finance management, SWOT analysis, future plans and suggestions. The report was submitted to Saurashtra University by Chirag Limbashiya, a BBA student, as part of a practical training requirement at Raj Bank under the guidance of Niraj Pandya.
MCB Islamic Bank Internship Report - UCP - 2019FaHaD .H. NooR
The document is an internship report for MCB Islamic Bank Limited. It includes sections on the organizational profile, departments, personal experiences, recommendations, and a comparison of theoretical versus practical knowledge. The key points are:
- The intern worked in the HR department's Learning & Development unit, performing tasks like updating training records and files.
- Main bank departments observed were HR, Finance, Internal Audit, IT, and Administration.
- Personal experiences included gaining skills like patience, teamwork, and learning office management. Problems identified included a lack of benefits and motivations for employees.
- Recommendations included converting to online banking, implementing a reward system, and adding curricular activities to relieve employee stress
Internship report on expansion strategy of hsbc in bangladeshWINNERbd.it
Here are the key limitations I faced while conducting this study:
- Time constraint - The time period for the internship and project was limited which did not allow for extensive primary research.
- Access to information - I did not have full access to HSBC's internal strategic plans, financial data, customer information etc. due to confidentiality.
- Secondary data - Reliance on secondary sources like websites, reports could mean some information was outdated or incomplete.
- Subjectivity - As this involved analysis and opinions, some level of subjectivity is inevitable. Other researchers may have different perspectives.
- Dynamic market - The banking industry is rapidly evolving so strategies that were effective in the past may not remain so in future
This document is an internship report submitted by Muhammad Yasir to KASBIT University in 2013. It provides an overview of Yasir's internship at MCB Bank, including a brief history of MCB Bank highlighting its development, nationalization, and privatization phases. The report also describes MCB Bank's mission, core values, key operations like general banking, clearing, remittance, accounts, and cash departments. It provides details of the processes carried out in these departments.
The document discusses the training programs at Punjab National Bank. It provides details of various training programs conducted by PNB for employees at different levels, including programs on branch operations, control and monitoring, agriculture, information security, credit appraisal, and auditing. It outlines the methodology used for assessing training needs, including feedback forms, interviews, and performance appraisals. The training programs aim to enhance skills of employees, update them on new technologies and products, and help them work more efficiently. The schedule of programs is designed keeping in view the objectives, level of participants, and need for a variety of teaching methods.
The document is an internship report submitted by Hidayat Ullah about his internship at the MCB Bank Limited Kohat City Branch in Pakistan. It provides details about MCB Bank such as its vision, mission, objectives, and core values. It also describes the different departments in the Kohat City Branch and the work done by the intern during the 8-week internship period.
This document provides a summary of a summer training report for an MBA program. It discusses a summer training project conducted at HDFC Bank in Bhavnagar, India. The first few pages include preface, acknowledgements, executive summary and index sections. It then discusses topics like the history of banking in India, the profile of HDFC Bank, its organizational structure, products, services, marketing, finance, human resources and findings from the training project. The document aims to provide an overview of HDFC Bank and insights gained from the summer training.
The document describes the internship experience of Aqsa Nawab at the Bank Alfalah Islamic branch in Multan Road, Lahore. It provides details of the internship duration and training received in various bank departments like services, accounts opening, scanning, and cash. The document also gives an overview of Bank Alfalah's organizational structure and the functions of different departments at the branch where the internship was completed.
The document is a report on The Co-operative Bank of Rajkot Ltd (Raj Bank). It provides an overview of the bank, including its mission, leadership structure, branch network, services offered, human resources practices, marketing, finance management, SWOT analysis, future plans and suggestions. The report was submitted to Saurashtra University by Chirag Limbashiya, a BBA student, as part of a practical training requirement at Raj Bank under the guidance of Niraj Pandya.
The document provides an overview of the banking industry in India and Axis Bank. It discusses the history of banking in India from 1786 to present day. It outlines the key phases in the evolution of commercial banks in India including the establishment of major banks and nationalization of banks in 1969 and 1980. It also discusses some of the major challenges facing the banking industry such as rising customer expectations, risk management, and maintaining growth.
This document provides a summary of the internship report submitted by Muhammad Farhan for their MBA internship at Allied Bank Limited. It includes sections on the background, vision, departments, and products/services of Allied Bank. During the internship, Muhammad worked in the General Banking & Finance departments. They discuss learning objectives, experiences gained, and provide analysis of the bank's performance and recommendations. In conclusion, the internship provided valuable practical experience and skills that supplemented the classroom learning.
Training report AT THE VVF INDIA LTD . BADDI . HP Rajat Sharma
The document provides a training report submitted by Rajat Sharma, a student of MBA 3rd semester at Gautam Institute of Management and Technology, as a partial fulfillment of the degree requirements. The report covers Rajat Sharma's 45-day internship at VVF (Vegetable Vitamin Foods) India Ltd in Baddi, Himachal Pradesh. The report includes an introduction to the FMCG industry in India and the company VVF India Ltd, as well as a weekly progress report of Rajat Sharma's activities and learnings during the internship.
The document provides an internship report submitted by Waqar Akber to fulfill the requirements for a B.Com degree. It includes an executive summary, introduction to JS Bank's history and operations, organizational structure, and chapters covering general banking functions, products and services, loans and advances, the author's internship experience, financial analysis, SWOT analysis, problems and recommendations. The report aims to provide an overview of JS Bank's operations based on the author's 8-week internship at the Sadiqabad branch.
Term report on management functions of allied bankAmbreen Zulfiqar
Allied Bank is one of Pakistan's largest commercial banks with over 900 branches. The organizational structure consists of a board of directors that oversees the CEO and various manager levels. Upper-level managers like the CEO develop the vision, while mid-level managers oversee operations and first-level managers handle day-to-day activities. Employees receive training and their roles are assigned based on skills. The bank uses flexible schedules and rewards to reduce stress and motivate workers. Potential political issues are managed by separate departments, and communication problems are addressed through training. Audits and cameras ensure functions are performed properly.
Mudasra Amjad completed an internship at the United Bank Limited (UBL) Fride Gate branch and submitted an internship report. The report provides an introduction to UBL, including its establishment in 1959 as one of Pakistan's major commercial banks. It describes UBL's vision, mission, objectives, organizational structure, departments, products and services. The report also includes a financial analysis of UBL using ratios, a SWOT analysis, recommendations, and a conclusion on Mudasra's learning experience during the internship.
This document provides an overview of an internship report on the Multan Electric Power Company (MEPCO). It includes sections on the purpose of the study, an introduction to MEPCO including its history, vision, mission and core values. There are also sections on the technical overview of MEPCO, its organizational structure, departments, HR department and SWOT analysis. The document aims to provide a comprehensive report on MEPCO based on the author's internship experience.
- The document is an internship report prepared by Abdullah Baig about his 8-week internship at the National Bank of Pakistan in Quetta.
- It provides information about the bank's history and operations, including its vision, mission, branch network, organizational structure, and the departments Abdullah worked in such as pensions, account opening, clearance, and remittances.
- The report also includes a SWOT analysis and conclusions from Abdullah's experience at the bank during his internship.
This document provides background information on Allied Bank Limited (ABL) in Pakistan. It discusses the early development of banking in Pakistan after independence, with very few branches and most resources controlled by non-Muslim bankers who left for India. The State Bank of Pakistan was established in 1948 as the central bank. ABL was the first Muslim bank established in the territory of Pakistan in 1942. The document outlines the objectives and methodology of a study conducted on ABL's operations and performance. It discusses the importance of banks in mobilizing savings and providing finance to drive economic growth. It also briefly traces the history of banking from merchants and goldsmiths to the establishment of modern commercial banks in Pakistan.
This document provides information about a project report submitted for a Master's degree in Business Administration. The report focuses on customer satisfaction in online trading, with specific reference to Indiainfoline Limited in Bhubaneswar, India. It was submitted by Venketeswar Choudhury and guided by two professors. The report includes an acknowledgement section, certificates from the heads of the department and guide, and outlines the introduction, purpose, objectives, research design and methodology, sources of data, data analysis techniques, sampling approach, and limitations of the study. It also provides a chapter outline.
INTERNSHIP REPORT ON MUSLIM COMMERCIAL BANK.
Submitted in partial requirement for the degree of Bachelor of Business Administration Department of Management Sciences
Faculty of Commerce, Economics & Management Sciences
ISRA UNIVERSITY, Hyderabad Spring 2017
The document is an internship report submitted by Sehrish Khalid to the Faculty of Commerce & Accountancy at the University of Gujrat in partial fulfillment of the requirements for a Master's degree. The report details Sehrish Khalid's 6-week internship at the MCB Bank branch in Kutchery Road, Gujrat, where she gained experience in the bank's Remittances, Advances, Foreign Exchange, and Customer Service departments. The report includes chapters covering an introduction to MCB Bank, its history and operations, organizational structure, the intern's responsibilities and learning experiences, and conclusions and recommendations.
The document is a report submitted to Surashatra University about a practical training conducted at Rajkot People's Co-operative Bank Ltd. It includes general information about the bank like its establishment year, chairman, branches. It outlines the objectives of the bank such as increasing deposits and profits. It also describes the board of directors and provides data on the bank's share capital, deposits, advances and net profit over the years 2002-2005 showing an increase.
- The document is an internship report on analyzing the human resources management practices of Dhaka Bank Limited.
- It includes sections on the objectives, scope, and methodology of the report as well as an overview of the company and descriptions of departments.
- The report analyzes different aspects of Dhaka Bank's HR practices such as staffing, training, performance appraisal, promotion, and compensation policies.
- It also includes findings, recommendations, and a conclusion on evaluating and improving the effectiveness of Dhaka Bank's workforce.
This document provides an internship report on Bank Alfalah Limited written by Muhammad Rashid Badar. It includes an introduction to banking history and Bank Alfalah. The report outlines the bank's mission, vision, objectives, organizational structure, performance, departments, products and services, and financial analysis. It also includes a SWOT analysis and recommendations. The high-level summary is:
Bank Alfalah is a private bank providing various financial services through 321 branches across Pakistan and internationally. The report details the bank's strategies, departments including account opening, car financing, remittances, credits, and trade finance. It analyzes the bank's financial performance and identifies strengths, weaknesses, opportunities and threats in a
This document provides an overview of the National Bank of Pakistan (NBP). It discusses NBP's vision, mission, values and goals. It then provides details on NBP's profile including its headquarters, brief history since establishment in 1949, and core functions. The document also outlines NBP's departmental structure, business volume, branch network across Pakistan, competitors, and products offered.
Internship Report On " Overall HRM Practice of Dhaka Bank Ltd."Riyead Hossain
The banking system in Bangladesh has evolved significantly since independence. Initially, the government nationalized all domestic banks and allowed foreign banks to continue operating. Over time, the government encouraged growth of the private sector and agricultural lending. However, poor loan recovery rates became a major issue. The Grameen Bank pioneered innovative microfinance approaches, achieving high recovery rates of 96%. In recent decades, the banking sector has expanded with the growth of private and foreign commercial banks, though credit discipline and recovery remain challenges.
This document provides an overview of Gohar Nouroze's internship report submitted for their B.S in Applied Accounting from the University of Central Punjab. The internship was completed at MCB Bank Ltd over six weeks.
The report includes an organizational background of MCB Bank, their mission and vision statements, awards received, core values, objectives, management structure including the board of directors and organizational hierarchy. It also describes the bank's products, policies, risk management approaches, financial analysis, SWOT analysis and conclusions. The document aims to provide knowledge about MCB Bank's operations obtained during the internship.
This document provides an overview of the banking industry in Nepal. It discusses Nepal's strategic geographic location and potential for foreign investment. It then outlines the regulatory framework for commercial banks in Nepal and the basic functions performed by commercial banks. The document also discusses new generation commercial banks that were established between 2009-2010. It raises several questions about the present scenario in areas like return on equity, risk assessment, and human resources. Finally, it provides suggestions for ways forward, including boosting revenue centers, timely financial reporting, strengthening research/products, and restructuring the human resources department with a focus on adequate risk assessment.
Shilpi Kumar has over 6 years of experience in commercial banking with State Bank of India and Bank of Baroda. She has expertise in credit analysis, project finance, and risk management from her roles including branch head and deputy relationship manager. Her experience spans credit risk analysis, customer relationship management, and people management. She holds an MBA in finance and professional certifications in insurance, banking, and mutual funds.
The document provides an overview of the banking industry in India and Axis Bank. It discusses the history of banking in India from 1786 to present day. It outlines the key phases in the evolution of commercial banks in India including the establishment of major banks and nationalization of banks in 1969 and 1980. It also discusses some of the major challenges facing the banking industry such as rising customer expectations, risk management, and maintaining growth.
This document provides a summary of the internship report submitted by Muhammad Farhan for their MBA internship at Allied Bank Limited. It includes sections on the background, vision, departments, and products/services of Allied Bank. During the internship, Muhammad worked in the General Banking & Finance departments. They discuss learning objectives, experiences gained, and provide analysis of the bank's performance and recommendations. In conclusion, the internship provided valuable practical experience and skills that supplemented the classroom learning.
Training report AT THE VVF INDIA LTD . BADDI . HP Rajat Sharma
The document provides a training report submitted by Rajat Sharma, a student of MBA 3rd semester at Gautam Institute of Management and Technology, as a partial fulfillment of the degree requirements. The report covers Rajat Sharma's 45-day internship at VVF (Vegetable Vitamin Foods) India Ltd in Baddi, Himachal Pradesh. The report includes an introduction to the FMCG industry in India and the company VVF India Ltd, as well as a weekly progress report of Rajat Sharma's activities and learnings during the internship.
The document provides an internship report submitted by Waqar Akber to fulfill the requirements for a B.Com degree. It includes an executive summary, introduction to JS Bank's history and operations, organizational structure, and chapters covering general banking functions, products and services, loans and advances, the author's internship experience, financial analysis, SWOT analysis, problems and recommendations. The report aims to provide an overview of JS Bank's operations based on the author's 8-week internship at the Sadiqabad branch.
Term report on management functions of allied bankAmbreen Zulfiqar
Allied Bank is one of Pakistan's largest commercial banks with over 900 branches. The organizational structure consists of a board of directors that oversees the CEO and various manager levels. Upper-level managers like the CEO develop the vision, while mid-level managers oversee operations and first-level managers handle day-to-day activities. Employees receive training and their roles are assigned based on skills. The bank uses flexible schedules and rewards to reduce stress and motivate workers. Potential political issues are managed by separate departments, and communication problems are addressed through training. Audits and cameras ensure functions are performed properly.
Mudasra Amjad completed an internship at the United Bank Limited (UBL) Fride Gate branch and submitted an internship report. The report provides an introduction to UBL, including its establishment in 1959 as one of Pakistan's major commercial banks. It describes UBL's vision, mission, objectives, organizational structure, departments, products and services. The report also includes a financial analysis of UBL using ratios, a SWOT analysis, recommendations, and a conclusion on Mudasra's learning experience during the internship.
This document provides an overview of an internship report on the Multan Electric Power Company (MEPCO). It includes sections on the purpose of the study, an introduction to MEPCO including its history, vision, mission and core values. There are also sections on the technical overview of MEPCO, its organizational structure, departments, HR department and SWOT analysis. The document aims to provide a comprehensive report on MEPCO based on the author's internship experience.
- The document is an internship report prepared by Abdullah Baig about his 8-week internship at the National Bank of Pakistan in Quetta.
- It provides information about the bank's history and operations, including its vision, mission, branch network, organizational structure, and the departments Abdullah worked in such as pensions, account opening, clearance, and remittances.
- The report also includes a SWOT analysis and conclusions from Abdullah's experience at the bank during his internship.
This document provides background information on Allied Bank Limited (ABL) in Pakistan. It discusses the early development of banking in Pakistan after independence, with very few branches and most resources controlled by non-Muslim bankers who left for India. The State Bank of Pakistan was established in 1948 as the central bank. ABL was the first Muslim bank established in the territory of Pakistan in 1942. The document outlines the objectives and methodology of a study conducted on ABL's operations and performance. It discusses the importance of banks in mobilizing savings and providing finance to drive economic growth. It also briefly traces the history of banking from merchants and goldsmiths to the establishment of modern commercial banks in Pakistan.
This document provides information about a project report submitted for a Master's degree in Business Administration. The report focuses on customer satisfaction in online trading, with specific reference to Indiainfoline Limited in Bhubaneswar, India. It was submitted by Venketeswar Choudhury and guided by two professors. The report includes an acknowledgement section, certificates from the heads of the department and guide, and outlines the introduction, purpose, objectives, research design and methodology, sources of data, data analysis techniques, sampling approach, and limitations of the study. It also provides a chapter outline.
INTERNSHIP REPORT ON MUSLIM COMMERCIAL BANK.
Submitted in partial requirement for the degree of Bachelor of Business Administration Department of Management Sciences
Faculty of Commerce, Economics & Management Sciences
ISRA UNIVERSITY, Hyderabad Spring 2017
The document is an internship report submitted by Sehrish Khalid to the Faculty of Commerce & Accountancy at the University of Gujrat in partial fulfillment of the requirements for a Master's degree. The report details Sehrish Khalid's 6-week internship at the MCB Bank branch in Kutchery Road, Gujrat, where she gained experience in the bank's Remittances, Advances, Foreign Exchange, and Customer Service departments. The report includes chapters covering an introduction to MCB Bank, its history and operations, organizational structure, the intern's responsibilities and learning experiences, and conclusions and recommendations.
The document is a report submitted to Surashatra University about a practical training conducted at Rajkot People's Co-operative Bank Ltd. It includes general information about the bank like its establishment year, chairman, branches. It outlines the objectives of the bank such as increasing deposits and profits. It also describes the board of directors and provides data on the bank's share capital, deposits, advances and net profit over the years 2002-2005 showing an increase.
- The document is an internship report on analyzing the human resources management practices of Dhaka Bank Limited.
- It includes sections on the objectives, scope, and methodology of the report as well as an overview of the company and descriptions of departments.
- The report analyzes different aspects of Dhaka Bank's HR practices such as staffing, training, performance appraisal, promotion, and compensation policies.
- It also includes findings, recommendations, and a conclusion on evaluating and improving the effectiveness of Dhaka Bank's workforce.
This document provides an internship report on Bank Alfalah Limited written by Muhammad Rashid Badar. It includes an introduction to banking history and Bank Alfalah. The report outlines the bank's mission, vision, objectives, organizational structure, performance, departments, products and services, and financial analysis. It also includes a SWOT analysis and recommendations. The high-level summary is:
Bank Alfalah is a private bank providing various financial services through 321 branches across Pakistan and internationally. The report details the bank's strategies, departments including account opening, car financing, remittances, credits, and trade finance. It analyzes the bank's financial performance and identifies strengths, weaknesses, opportunities and threats in a
This document provides an overview of the National Bank of Pakistan (NBP). It discusses NBP's vision, mission, values and goals. It then provides details on NBP's profile including its headquarters, brief history since establishment in 1949, and core functions. The document also outlines NBP's departmental structure, business volume, branch network across Pakistan, competitors, and products offered.
Internship Report On " Overall HRM Practice of Dhaka Bank Ltd."Riyead Hossain
The banking system in Bangladesh has evolved significantly since independence. Initially, the government nationalized all domestic banks and allowed foreign banks to continue operating. Over time, the government encouraged growth of the private sector and agricultural lending. However, poor loan recovery rates became a major issue. The Grameen Bank pioneered innovative microfinance approaches, achieving high recovery rates of 96%. In recent decades, the banking sector has expanded with the growth of private and foreign commercial banks, though credit discipline and recovery remain challenges.
This document provides an overview of Gohar Nouroze's internship report submitted for their B.S in Applied Accounting from the University of Central Punjab. The internship was completed at MCB Bank Ltd over six weeks.
The report includes an organizational background of MCB Bank, their mission and vision statements, awards received, core values, objectives, management structure including the board of directors and organizational hierarchy. It also describes the bank's products, policies, risk management approaches, financial analysis, SWOT analysis and conclusions. The document aims to provide knowledge about MCB Bank's operations obtained during the internship.
This document provides an overview of the banking industry in Nepal. It discusses Nepal's strategic geographic location and potential for foreign investment. It then outlines the regulatory framework for commercial banks in Nepal and the basic functions performed by commercial banks. The document also discusses new generation commercial banks that were established between 2009-2010. It raises several questions about the present scenario in areas like return on equity, risk assessment, and human resources. Finally, it provides suggestions for ways forward, including boosting revenue centers, timely financial reporting, strengthening research/products, and restructuring the human resources department with a focus on adequate risk assessment.
Shilpi Kumar has over 6 years of experience in commercial banking with State Bank of India and Bank of Baroda. She has expertise in credit analysis, project finance, and risk management from her roles including branch head and deputy relationship manager. Her experience spans credit risk analysis, customer relationship management, and people management. She holds an MBA in finance and professional certifications in insurance, banking, and mutual funds.
Building Character Knowledge for Panin Bank Personal Banker Southeast Sulawes...theijes
This research was conducted by qualitative analysis method using Miles and Huberman method. The problems raised were (1) How the efforts to build character knowledge for Panin Bank Personal Banker (PB) Southeast Sulawesi Area mainly the knowledge on the products to collect the community funding and service; (2) How the character knowledge built for Personal banker (PB) can be a strategic knowledge for Panin Bank Southeast Sulawesi Area. The results were that building the knowledge would not be sufficient without completing by building the strong character for Personal Banker, the character which should be set were excellence, professionalism and ethics which these three character indicators could reflect the knowledge as the behavior in daily works for a Personal Banker. This character Knowledge can be applied in a strategic knowledge consisting of 6 (six) components, namely unique, pragmatic or useful, generating value, difficult to imitate or substitute, dynamic and based on intense learning process.
MBA BANKER,HRD PROFESSIONAL,FORMER FACULTY BUSINESS MANAGEMENT WITH OVER 30 YEARS OF EXPERIENCE IN VARIED FIELDS INCLUDING SUSTAINABLE DEVELOPMENT,RURAL COOPERATIVES,TRAINING & DEVELOPMENT,MICRO FINANCE, RESEARCH
The document provides an overview of the banking industry in India. It discusses the growth of banking from the 18th century to present day. It outlines the key types of banks in India including public sector banks, private sector banks, foreign banks, regional rural banks, and cooperative banks. It also describes the major banking activities like retail banking, business banking, and corporate banking. Finally, it briefly discusses some recent government initiatives to promote financial inclusion through programs like Pradhan Mantri Jan Dhan Yojana and Pradhan Mantri Suraksha Bima Yojana.
Challenges in the Indian banking system.pdfssuser04c621
Have attempted to list the key challenges facing the indian banking systems .... all is not lost , many issues are being addressed including the NPA issues, HR issues, technology related issues ... the path is on the upward trend
This resume summarizes the career and qualifications of Nagnath Kishanrao Dhanure. He has over 7 years of experience in managerial roles in microfinance institutions. He holds an MBA degree and seeks a challenging position managing microfinance operations and contributing to organizational growth. His experience includes establishing new branches, overseeing business operations and customer service, monitoring field operations, and ensuring regulatory compliance. He demonstrates strong leadership, relationship building, and problem-solving skills.
A Project Reoprt on Financial Literacy and Banking operationArpit Joshi
Study was focused on financial literacy among customers to examine how well-equipped they are to make financial decisions and to increase the level of financial literacy
This document outlines the training programs and plans for IICA & Resurgent India Training Solutions for 2015-16. It provides details on 28 open training programs targeted at various levels of bank staff across functions like credit, risk management, retail banking, financial inclusion, and leadership. It also outlines a Middle East training plan consisting of 16 programs. The training is aimed at improving skills and decision making of bankers. The document discusses the advantages of IICA-RITS training including experienced faculty and infrastructure. It provides profiles of some faculty members.
The Report is based on the analysis of Foreign Exchange Operations AT DCB Bank. It involves the complete transaction process of Inward and Outward Remittance. The Documentation required for this purpose. These transactions are mainly involved for the individuals who are in the Export and Import Business.
This document is a resume for Rajat Kumar Barnwal, a 20-year-old male from New Delhi, India. It summarizes his educational and professional experiences. Rajat has a B.Com degree from Satyawati College with 67% marks. He currently works as a Financial Analyst at American Express, where he analyzes cobrand partner contracts and performs financial modeling. Previously, he held internships at KBK Infra Ltd focusing on project financing and capital budgeting, and worked on various projects related to rural development, mergers and acquisitions, and election predictions. Rajat has received several awards for his work and academic accomplishments.
Summer training report on Operational risk management at State bank of bikane...jigyasa soni
The document is a summer training report submitted by Jigyasa Soni for their MBA program. It discusses operational risk management at State Bank of Bikaner & Jaipur Bank.
The objectives are to highlight operational risks in banking, examine SBBJ Bank's operational risk management efficiency, understand RBI guidelines for banks, and evaluate if banks follow these guidelines. It acknowledges the bank's management committee and offers an overview of the bank's products and services in personal banking, NRI services, international banking, corporate banking, agriculture, SMEs, and others.
The document is a curriculum vitae for Rishabh Gupta. It summarizes his work experience including his current role as Assistant Officer at Sony India Pvt Ltd since 2013 and a previous role as Junior Service Accountant at IFB Appliances Ltd from 2012-2013. It also lists his education including an MBA in Finance and Marketing and a Bachelors in Commerce. His skills include analytical abilities, Microsoft Excel proficiency, and accounting/financial experience.
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 is a project report submitted by Rajesh Kumar to the National Institute of Technology on retail banking with reference to Allahabad Bank. It includes an executive summary, introduction, company and industry profiles, data collection methodology, findings, suggestions and conclusions. The report analyzes various aspects of Allahabad Bank's retail banking operations including its products and services, workflow, McKinsey's 7S framework, research methodology and customer feedback.
This document provides an overview of IndusInd Bank as of March 2015. Some key points:
- IndusInd Bank has been in operation since 1994 and has a widespread customer base of over 6.84 million as of March 2015. It has a presence across India through 801 branches and 1,487 ATMs.
- The bank has a diversified loan book split between corporate and commercial banking (59%) and consumer finance (41%). Total assets are over Rs. 1,091 billion with a net worth of over Rs. 100 billion as of March 2015.
- The bank has experienced strong growth in revenue, net profit, and total assets in recent years. It has an experienced management team and
The document summarizes the business plan of Bihar Development Trust, a microfinance startup in Bihar, India. It aims to adapt successful models like Grameen to provide affordable credit and savings services to underserved communities. In its first year of operations, it formed 31 groups with 155 members and disbursed loans totaling $367,000. It plans rapid geographical expansion across Bihar to reach over 6 million potential microfinance clients and create employment and economic opportunities.
About Microfinance
About Suryoday
SWOT and PESTEL analysis of Suryoday
Blue ocean Strategy
Financial Highlights of Suryoday
Branding and marketing strategy
Risk Management and policy
Major players
Similar to Spandana's expansion plan & strategy in mp and rajasthan 2009-10 (20)
This document provides socioeconomic data about Bihar, India compared to all of India. It shows Bihar has higher poverty, lower literacy and development rates. It also summarizes banking penetration and microfinance outreach in Bihar. Several MFIs operate in Bihar serving over 600,000 clients. An estimate suggests there are over 6.9 million potential microfinance clients in Bihar's rural and urban poor households. After accounting for clients served by other MFIs and potential for multiple loans, there is an estimated potential client base of 3.68 million for new MFIs entering Bihar, representing a total credit demand of 2944 crores.
Ensuring food security through shg run pds in bihar december'2012 reportsManoj Kumar
The consultant undertook the following activities in December:
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Ensuring food security through shg run pds in bihar january'2013 reportsManoj Kumar
The consultant undertook various activities in January 2013 to help Village Organizations manage the Public Distribution System (PDS) effectively in the districts of Gaya, Khagaria, and Purnia in Bihar. This included problem solving at the official level to address delays in ration delivery, establishing communication channels between communities and officials, designing an internal control system for bookkeeping, and collecting profit and loss information from Village Organizations over two months. Key issues identified were irregular ration supply, insufficient supply, supply delays, and poor record keeping.
[1] The document is a monthly report submitted by consultant Manoj Kumar about his work with Bihar Rural Livelihood Promotion Society (JEEVIKA) in May 2012.
[2] The report provides details of the consultant's activities which included meetings with JEEVIKA staff in Patna, Gaya and Khagaria to understand the organization and its interventions. The consultant also visited self-help groups and their village organizations in project areas to observe their functioning.
[3] Key observations from these interactions and visits included issues around attendance and participation of women, lack of transparency in meeting proceedings and record keeping, low awareness among community members about their roles and entitlements, and absence of proper
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
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Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
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?
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
[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.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
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
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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.
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
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
2. Objective
To emerge as Market leaderin Madhya
Pradesh by the end of this fiscal
To rejuvenate Operations in Rajasthan
To start Operations in UP
3. Industry/SectorAnalysis – MP-RJ
BARRIERS TO ENTRY
threat of new entrants
threat of substitutes
SUPPLIER
POWER
SUBSTITUTES
COMPETITIVE INTENSITY CUSTOMER
POWER
POLITICAL
ECONOMIC
SOCIO CULTURAL
TECHNOLOGICAL
Moving from High - Medium - low
Money Lenders
Co-Society/Bank and Chit Funds
Family and Friends
SHG - NGO/ Banks
New Innovative products from Bank industry - AXIS Bank
However, Switching cost is low
High
Trained Manpower
Creditability
Capital Base
Building Economies of Scale
Political Contact/Network
Economies of Scale
Low Switching Cost for Customer
Moving from Low to Medium
Low penetration. In addition, MFI is
comparatively very reasonable to current
borrowing options.
Collective Bargaining may be an issue in
near future.
Switching Cost is low
Medium
Bank will not have very asset pool than
the one they get from the MFIs
Strong base of 42 Banking relation and
over dependance on few lenders are
reduced.
Major Lenders has helped building
strong creditability hence obligated.
Moving from Low to Medium
Penetration is low. Hence, room for
competitors to enter and tap the untapped
market.
Exit Barrier is low with the current loan
outstanding which may increase with the
increase in the loan portfolio
Competitors not of the same school of thought
of industry growth and cooperate accordingly.
High
Medium
Low
- Political/Bureaucratic intervention
in the processes and recoveries
(Vested Interest)
- Loan Waivers
- Political interference during
unfortunate natural calamities
- Policies - PSL, Interest Rate, Securitizations
- Monetary Policy
- Increasing shift of corporate to the bottom of
the pyramid
- Economic Development - NRI Linkage
"Remittance"
- Availability of Bank Branches
- Better infrastructure can help reach out to
clients better and quicker
Community ethos not non
repayment/interest
Language Barriers
Gender issues
Possible Class/caste discrimination
Work Culture ( 9 to 6)
Grapevine - "Word of mouth"
prominent to establish creditability
Unique Indentification number
making if difficult for a MFI Credit
Buereu
Technological infrastructure to
run the business more efficiently
5. Characteristics of MP’s MF market
• Market in horizontal development/growth phase –
geographical expansion.
• No. of MFIs growing. Multiple lending in nascent phase.
• Vertical penetration starting – subsequent cycles starting &
ticket size increasing, coverage of target group increasing.
• Product-bundling /product diversification/Product
differentiation starting - additional products being introduced
(Samhita’s social products in education & health,SKS’ mobile
selling.),different rate of interest by different players.
• Clients overall loyal and/or feel they have very few
other options, but some clients seek other options.
• High operation cost because of thin population density
6. Current Market Scenario – Madhya Pradesh
The Big Three
SKS SPANDAN
A
SHARE
Portfolio Size 160 Cr. 105 Cr. 90 Cr.
Clients 2.4 Lakhs 1.8 Lakhs 1.2 Lakhs
Branches 71 69 65
Individual
Lending
No No Yes
Age of
Operations
4 years 23 months 3 years
7. Current Market Scenario – Madhya Pradesh
OtherPlayers
(i) Samhita : Mostly in Rewa, Panna,Shahdol, and
Bhopal. Starting in Gwalior.
(ii)Fullerton India
(iii) Sahayata : Just started from Ujjain
(iv) Sonata : Jabalpur and Bhopal
(v) BASIX
8. Strategy
Ambushing the market – opening branches in big way
after a lull that was a phase of consolidation.
Opening branches in locations where
- there is need of the credit and good environment of micro-
enterprising
- minimum potential of 3,000 clients in the radius of 35 KMs
- other MFIs doing well
Capitalizing on second/third mover’s advantage
Non-experimental with the market
9. Characteristics of Rajasthan MF
market
Horizontally in development/growth phase
No. of MFIs growing
Non-uniformity in commercial micro financing in
terms of geographical areas.
Upon proper and regimented training members
are loyal
Repayment problems because of staffs and ring
leaders
Problematic community – Gurjar, Meena,
Nomadic
10. Current Market Scenario – Rajasthan
The Big Three
SKS SHARE +
Asmitha
Sahayata
Portfolio Size 160 cr. 35 Cr. 20 cr.
Clients 1.6 lacs 45,000 35,000
Branches 75 13+ 12=25 26
Individual
Lending
No No Yes
Age of
Operations
3 yrs. 12-14 months
11. Current Market Scenario – Rajasthan
OtherPlayers
ARTH Finance – Haroti areas
Ujjivan
SPANDANA
BASIX, and
Fullerton India
• Market has still lot of potential although certain
areas need to be avoided (Gujjar and Meena
dominated)
12. Special strategy forRajasthan
No old staff in new branches.Recruitment in
new areas.
Opening branches in areas where other MFIs
are doing well- dist.HQ, urban areas etc.
Not hiring staff of other MFIs
Rigorous training of the process
Slow pace in the beginning. Focus on quality
rather than quantity
13. Characteristics of U.P.’s MF
Market
MF activities across the state. But, only eastern
parts good for entry.
Industry still in growth phase
Strong presence of regional players
MajorPlayers – SKS, Share/Asmita, Cashpor,
Sonata,Ujjivan
Small Players – Satin,Mimo, NEED,Nirman
Bharati,Margdarshak,Sathi,Samridhi,
Problematic areas – Western U.P. & Central U.P.
14. Strategy forUttarPradesh
Starting operations in adjoining areas of
Madhya Pradesh like Allahabad, Lalitpur,
Mirzapur, Jhansi etc.
Monitoring from MP based locations in the
beginning.
Looking for organic growth towards eastern
parts.
15. Human Resource Planning
• Requirement : (i)C.As: 350 , BMs: 75 during expansion
(ii)R.Ms: 12-15 during/after expansion
(iii) D.Ms : 2-3
• Sourcing Human resources : (A) Open Recruitment (B) Internal
Promotions
(i) Credit Assistants – D.Ms/HRs conducting recruitment tests (written test +
interview) in different parts of their divisions every week
(ii)Branch Managers – Promotions of C.As/direct recruitment.
- Promotion tests being conducted every month in every division by HR,DM,and
ZM.
- Direct recruitment of BMs – identified by DMs and HR. Finalised by ZM.
(iii) Regional Managers – promotions of B.Ms/direct recruitment
- Identified by DM/ZM in promotion tests and interview .Final interview at HO
- Direct recruitment at HO
(IV) Divisional Managers – promotions of R.Ms/direct recruitment
- Identified by DM/ZM and recommended by ZM for interview at HO
- Direct recruitment at HO
16. Spl. Guidelines forC.As’
Recruitment
Age group : 18-26 yrs
12th
pass
No prior experience of MF sector. Avoid with local MFIs and
big players’ experience
Wards of members to be avoided
Not to take from blacklisted areas of the div.
Having own bike and DL & RC.
Ready to work in areas beyond 150 KMs from home.
Physically fit, good communication, inter-personal and
calculation skills.
Maximum from rural areas.
Following the company’s recruitment guidelines.
17. Training
A. C.As’ Training
(i) Exposure training – First-hand learning, orientation,
daily routine, center-register filling, application forms,
Do’s n Don’ts . In branches for 20 days
(ii) In-house training - Concept, process, calculation,
exercises, reports, expectations etc. One week in
D.O.
(iii)Test of Understanding – at DO.
(iv)Placement – Independent handling of centers in the
branches for 15 days before final placement in the
same old branch.
18. Training
B. B.Ms’ Training
(i) Exposure Training – first-hand knowledge of BM’s roles and
responsibilities, daily works reports preparation,
accounts/book/record keeping. 10 days in a branch .
(ii) In-house training -Concept, process, calculation, exercises,
reports, expectations etc. 10 days. In D.O.
(iii) HOtraining
(iv) Dummy placement – independent branch handling for 15
days.
(v) Test of understanding – at HO
(vi) Final Placement – in new branches.
19. Survey
A. DEMOGRAPHY:
1.Total population, Sex Ratio and Population Density
2. Level of poverty
3.Concentration of population. Pockets of high concentration.
(Particularly potential clients)
4.Important link roads and no. of villages along those roads.
No. of House Holds (HHs) of those villages.
5.Percentage of potential clients of total population
6.Social structure in terms of religion/caste. What percentage
Hindu/Muslims/others. Family types.
7.Culture/habits. This hints at spending/saving pattern.
20. Survey ……
B. INCOME :
1.Main Source of Income
2.Secondary sources of income
3.Regularity/irregularity of income
4.Range of family income
5.No. of earning members in the family
C. NEEDS:
1.Centrality of credit needs to the clients
2.What are people's perceived needs?
3. Need of aspiration (Do they aspire for higher life styles/to send
their children to schools/to own a pucca house,white goods
etc.?)
21. Survey…..
D.COMPETITORANALYSIS/SECTORANALYSIS
1.Who are other players?
2.What fee they charge?
3.What are their strategies? Competitors assumptions/current
strategies/future plans, objectives/capabilities and comparison with
ours.
4.Problems faced by them- problematic areas/slums, recovery
problems, staff, problems, political/administrative, threatening,
coercion. How did they overcome their problems?
5.External Environment Analysis of the area for MF.
7.SWOT Analysis.
6. Do we have any Competitive/comparative advantage over others in
the area?
22. Survey…..
E. CITY MAPPING (forlocation of the branch)
1.Law and order condition
2.Supply of electricity- erratic/non-erratic?
3.Political/administration's interferences
4.Internet facility/Telecom services
5.Banks - pvt. n public?
6.Normal working hours - till what time people generally work?
Whether shops remain open or not till 9 PM?
7.Medical facilities
8.Availability of diesel/petrol
9.Transportation/accessability from main cities
23. Activity chart
Activity Who will Do Time Period Remarks
Survey RM-DM 3-4 Days
1st
Phase - by 10 Dec
2nd
Phase – by 1 Jan
3rd
Phase – 26 Jan
RM’s will carry out survey in
potential locations accompanied
by DM’s. Based on the survey
report decision to open branches
will be taken by DM, ZM
Recruitment RM-DM-HR Every Week Recruitment to be done every
week from different locations
Training
• Field Placement
•In house training
• HO training
RM-DM-ZM-HO 1 month Staff will be first exposed to field
after which they will be groomed
on conceptual aspects through
classroom training sessions to
be organized at DO. Promoted
BM’s will also be sent to HO for
further training and better
exposure
Administrative
(Branch Location,
Certificates, Furniture,
Stock, Bank A/c etc.)
RM-DM 10 Days
(10 days before formal
announcement )
These activities will be carried
out on final approval for opening
branches in a particular location
by ZM, DM