cksb ppt.pptx
TRANSCRIPT
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Winter InternshipReport Presentation
at
Chittorgarh Central Cooperative Bank Ltd
Submitted To:- Submitted By:-
Pro! "llas P!Ramakrishnan #yushi $%ha
&'S-IR' P()'-B'
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TITL* $& T+* PR$,*CT
Comparison
$
&inan.ial Produ.ts o
Banks /ith
The Chittorgarh Central Cooperative Bank
Ltd!0
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&L$W $& PR*S*1T#TI$1
Introdu.tion o .ooperative bank
Company proile
Resear.h methodology
&indings
Suggestions
Bibliography
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Introdu.tion o .ooperative bank
A co-operative bank is a financial entity which belongs to its
members, who are at the same time the owners and the
customers of their bank. Co-operative banks are often created
by persons belonging to the same local or professional
community or sharing a common interest. Co-operative banks
generally provide their members with a wide range of banking
and financial services (loans, deposits, banking accounts). A
bank that holds deposits makes loans and provides other
financial services to cooperatives and member-ownedorganizations also known as anks for Cooperatives.
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Company proile
Chittorgarh Central Cooperative ank was !stablished "
registered on #anuary $%, $&%&
ank started its 'ourney with $ branch " today have a span
of $ branches.
C2SB 'ISSI$1 heir mission is to become a strong and competitive
Cooperative anking *etwork, which offers innovative
financial products along with varied range of services toserve rural masses with cooperative credit structure
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PRI$RITI*S
o issue +isan Credit Card to all eligible farmers.
o start AAA based services for the customers.
Computerization of /AC0.
o release farmers from the clutches of moneylenders by
providing cheaper and timely 1nstitutional credit.
o promote 2armer3s Club " 04s ensuring credit linkage of
ma5imum number of 04s " special efforts for women
04s.
o bring technological changes in the 0hort-erm
Cooperative Credit 0tructure.
o e5pand business through 6 new branches in untouched
area.
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$B,*CTI3* $& ST")4
he 0tudy was conducted to get an insight about
2inancial /roduct 0ervices offered by various banks and
give an unbiased opinion about C+03s standing and
suggest ways to improve the position.
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)*T#ILS $& WI1T*R I1T*R1S+IP
71*! 1*!*01/ /8#!C 7A0 191! 1*8 78
/A0!0
5stPhase
Comparative analysis o dierent Banking produ.ts
6ndphase
Consumer &eedba.k analysis by observation and personal
intervie/
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C$'P#R#TI3*
)#T#
#1#L4SIS
$&
B#12I1( PR$)"CTS
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)#T# C$LL*CTI$1:
uring my data collection, data was collected:-
2rom anks
2rom anks 7ebsite
2our anks were selected 01, 0#, 8,
2C
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C$'P#RISI$1 $& S#3I1( #CC$"1TC2SB
0ingle type of saving a;c
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C$'P#RIS$1 $& C"RR*1T #CC$"1T
C2SB
???
8nly local che@ue book are
given
0top payment charges
applicable
C$'P*TI3* B#12
igh opening
charge -$????
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C$'P#RISI$1 $& B#12I1( CILITI*S
C2SB
9arious banking facilities not
available like
A=
ebit " Credit card
/hone anking
Check balance through 0=0 0weep in facility
C$'P*TI3* B#12
9arious banking facilities
available like
A=
ebit " Credit card
*et anking
/hone anking Check balance through
0=0
0weep in facility
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C$'P#RIS$1 $& L$#1
C2SB
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Lo/ interest Rate then any
other bank generally it is
7!87 or 5 9 appro! lo/
In some loan lo/pro.essing ees like
+ome loan s.$??(fi5ed)
'ortgage Loan?.%?B of
loan amount
+igh interest rate
01 - $>.6%B
2C ank- $B
8 -$>.6%B
In some loan high pro.essing
ees .omparison C2SB bank
+ome Loan
0# ank- ?.D?B of loan
amount
'ortgage Loan0# and 2C ank-$.$%B
" 6 B respectively on loan
amount.
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C$1S"'*R &**)B#C2 #1#L4SIS
uring my data collection, data was collected from:- 9isitor
ank customer
0hopkeeper
y observation and personal interview , find out various strength
and weakness of C+0.
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'#,$R &I1)I1( $& T+* PR$,*CT
1t was found that the banks with most A=s have gained
priorities in the minds of the customers.
ifferent bank have different schemes for different age
groups. 0ome banks are giving privilege to senior citizens,
while others to child group etc. ut C+0 have not any
such schemes targeted to different age group.
he study has shown that the customers want better branch
network so that they can operate their account from
different city also.
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Cont;
he study has shown that since different bank are
providing different facilities to different type of retailbanking products so in lieu of better facilities customer
have different account in different banks.
he study has shown that many people don3t want toopen account in Chittorgarh central Cooperative bank
because they think that the services like A=s, /hone-
banking, internet banking etc. not provided by these
banks.
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R*C$''*1)#TI$1S < S"((*STI$1S
Advertising is not appropriate, as many people are not
aware of C+0. herefore oarding and oards should be
displayed at various prime location in the city.
imely payment of salary and /romotion of employees will
boost their morale.
All the complaints of Customer should be deal in proper
manner because it is the customer who will give good or
bad mouth about bank services.
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Cont;
*on maintenance " other charges which are very high ascompared to other anks should be reduced.
!5isting customer should always be informed about the
new product. egular connected with customer.
/roblem faced by account manager during opening the
account should be forwarded to deputy manager by
branch manager. his will help to sort out all the
problems.
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Cont; /roper training of ank staff to give impressive
presentation.
/roper Co ordination between =arketing and 8peration
need to be developed.
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BIBLI$(R#P+4
Books
Management of urban Co-operative Bankby Dr. Partho P pratim R
Commercial Banking of IndiaWebsites
www.nabard.org
www.rbi.org www.bankerindia.com www.ccbchittor.com
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