final corp bank

8/11/2019 Final Corp Bank

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Sector, 19 old &ri"ate sector t*-7*7banks and 8 ne$ &ri"ate sector banks

hese ne$ banks ha"e brou'ht in state.o/.the.art technolo'* and !''ressi"el*

%arketed their &roducts he Public sector banks are

acin' a sti// co%&etition /ro% the ne$ &ri"ate sector banks

he banks $hich ha"e been setu& in the 1990s under the 'uidelines o/ the

Narasi%ha% o%%ittee are re/erred to as N3 P4I5! SO4 B!N6S

1.+ INDIAN BANKING INDUSTRIES

he Indian bankin' %arket is 'ro$in' at an astonishin' rate+ $ith !ssets e&ected

to reach S1 trillion b* 2010 !n e&andin' econo%*+ %iddle class+ and

technolo'ical inno"ations are all contributin' to this 'ro$th

he countr*:s %iddle class accounts /or o"er ;20 %illion &eo&le In correlation

$ith the 'ro$th o/ the econo%*+ risin' inco%e le"els+ increased standard o/ li"in'+

and a//ordabilit* o/ bankin' &roducts are &ro%isin' /actors /or continued

e&ansion

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi 2


3/33

he Indian bankin' Industr* is in the %iddle o/ an I re"olution+ ocusin'

on the e&ansion o/ retail and rural bankin' Pla*ers are beco%in'

increasin'l* custo%er . centric in their a&&roach+ $hich has resulted in inno"ati"e

%ethods o/ o//erin' ne$ bankin' &roducts and ser"ices Banks are no$

realizin' the i%&ortance o/ bein' a bi' &la*er and are be'innin' to /ocus

their attention on %er'ers and ac>uisitions to take ad"anta'e o/ econo%ies o/

scale and?or co%&l* $ith Basel II re'ulation@Indian bankin' industr* assets

are e&ected to reach S1 trillion b* 2010 and are &oised to recei"e a 'reater

in/usion o/ /orei'n ca&ital+A sa*s Prathi%a 4aan+ anal*st in lint:s bankin' 'rou&

and author o/ the re&ort @he bankin' industr* should /ocus on ha"in' a s%all

nu%ber o/ lar'e &la*ers that can co%&ete 'loball* rather than ha"in' lar'e nu%ber

o/ /ra'%ented &la*ersC

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi ;
http://www.celent.com/bios/PRajan.htmhttp://www.celent.com/bios/PRajan.htm


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1.* C,-!AN /IST,R

T/E 0,URNE

Started about 102 *ears a'o in 190-+ $ith an initial ca&ital o/ ust 4sD000+

or&oration Bank has alread* sur&assed the land %ark o/ 4s One Eakh rore in

business+ $ith o"er 2000 ser"ice outlets across the nation+ ser"ed b* co%%itted

and dedicated 12+000 &lus or& bankers Proo/ o/ $hich is seen in its en"iable

track record in /inancial &er/or%ance 3e ha"e %an* reasons to cheerF

&redo%inant o/ the% is+ bein' able to &artici&ate in nation buildin' b*

e%&o$erin' the rural and urban &o&ulation alike oda*+ $e are &roud that $e aresi'ni/icant contributors to the 'ro$th o/ the countr*Gs econo%*

Nationalized in 1980+ or&oration Bank $as the /orerunner $hen it ca%e to

e"ol"in' and ada&tin' to the /inancial sector re/or%s In 1997+ it beca%e the

Second Public Sector Bank in the countr* to enter ca&ital %arket+ the IPO o/

$hich $as o"er. subscribed b* 1; ti%es the Bank has %an* C /irsts C to its credit .

ash =ana'e%ent Ser"ices+ Hold Bankin'+ %.o%%erce+ C Online C a&&ro"als

/or ducational loans+ 100 BS o%&liance and %ore recentl*+ its &ioneerin'

e//orts to take the technolo'* to the rural %asses in re%otest "illa'es throu'h lo$.

cost branchless bankin' . Business orres&ondent %odel !ll o/ $hich s*%bolize

BankGs uns$er"ed co%%it%ent to its custo%ers to &ro"ide con"enience bankin'

!t or&oration Bank+ $hat %oti"ates us is the &assion to ecel in bankin' b*

%aintainin' hi'hest standards o/ ser"ice to our custo%ers+ backed b* inno"ati"e

&roducts and ser"ices $hich %ake us one o/ the leadin' Public Sector Banks in the

countr*+ caterin' to a $ide ran'e o/ custo%ers . /ro% indi"iduals to cor&orate

clients

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi J


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o e%er'e as a 4ole =odel $ith distinct culture identit*+ ethical "alues and

Hood or&orate Ho"ernance

o enhance ShareholderGs 3ealth b* sustained+ &ro/itable and /inanciall*

sound 'ro$th $ith &rudent risk %ana'e%ent s*ste%s

o /ul/ill national and social obli'ations as a res&onsible cor&orate citizen

o create an en"iron%ent+ intellectuall* satis/*in' and &ro/essionall*

re$ardin' to the e%&lo*ees

1.3 RATING ,% C,R!,RATI,N BANK

4ISIE has re.a//ir%ed the /ollo$in' &ro'ra%%es o/ or&oration Bank,

4s2 billion Bond issue !!!

erti/icate o/ e&osits Pro'ra%%e P1M

ied e&osit Pro'ra%%e !!!

ied 4atin's re/lect or&oration Bank:s sound ca&ital &osition+ su&erior asset >ualit*

and health* track record o/ &ro/itabilit* and su&erior %ana'e%ent b* the stron'

li>uidit* &osition o/ the Bank and its status as a Ho"ern%ent o$ned institution

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi -


7/33

1.4 A5ARDS 5,N

" National !$ard /or !ssistance to &orters /ro% the President o/ India (197-.77)

" He% < Ke$eller* &ort Pro%otion ouncil !$ard successi"el* /or D *ears /ro%

1981 to 198D

" Shiro%ani !$ard 1992 /or Bankin' /ro% nion =inister /or o%%erce

" Best Bank !$ard /or cellence in Bankin' echnolo'* /ro% Institute /or

e"elo&%ent and 4esearch in Bankin' echnolo'* (I4B)+ #*derabad (2001)

" Best Bank !$ard /or Inno"ati"e sa'e and !&&lication on ININ (Indian

inancial Net$ork) /ro% Institute /or e"elo&%ent and 4esearch in Bankin'

echnolo'* (I4B)+ #*derabad (2002)

" Best Bank !$ard /or eli"er* hannels /ro% Institute /or e"elo&%ent and

4esearch in Bankin' echnolo'* (I4B)+ #*derabad (200;)

" 4unner.u& !$ards in the @Best Online and =ulti.channel Bankin' ea%A and

@Outstandin' achie"er o/ the *ear.cor&orateA cate'ories in reco'nition o/

outstandin' achie"e%ent in Bankin' echnolo'* /or 200J+ instituted under the

ae'is o/ Indian Banks !ssociation and rade airs < on/erences International

-A0,R REC,GNITI,NS

One o/ the Best 200 co%&anies $orldo"er outside the S ha"in' a turno"er under a

billion S . orbes Hlobal+ #on'kon'+ issue dated 27th October+ 200;

India:s Best Public Sector Bank . Business oda* . 6P=H Sur"e* dated 7th

ece%ber+ 200;

India:s Stron'est and !sia:s Second Stron'est . he !sian Banker+ Sin'a&ore dated

1Dth ece%ber+ 200;



8/33

India:s Best Public Sector Bank . Outlook =one* + 1Dth =arch+ 200J

One a%on' the Best 200?100 co%&anies in !sia?Paci/ic and uro&e ha"in'

turno"er under a billion S .orbes Hlobal+ #on'kon' dated 1st No"e%ber+ 200J

One a%on' India:s Best Public Sector Banks . Business oda*+ 2-th ebruar*+ 200-

1.6 %I7ED DE!,SIT

he hi'h returns de&osit . it is the hi'h return ter% de&osit sche%e and interest can be

&aid at re'ular inter"als "iz %onthl*+ >uarterl*+ hal/ *earl* or *earl* he de&osit can

be %ade /or &eriods ran'in' /ro% 1D da*s to 10 *ears he rate o/ interest de&ends on

the &eriod o/ de&osit It is an ideal de&osit sche%e /or those $ho can &lan /or re'ular

inco%e

%I7ED DE!,SIT RATEDua#ion 8ess #han Rs.1

8akh

Rs.1 8akh u#o

Rs.1 Coe

7 da*s to 1J da*s

1D da*s to 29 da*s D00 D2D

;0 da*s to JD da*s -00 -00

J- a*s to -0 a*s -2D -D0



9/33

-1 a*s to 90 a*s -D0 -7D

91 da*s to less than - %onths 7D0 77D

- %onths to less than 11 %onths 900 92D

;;0 da*s onl* 1000

11 =onths to less than 12=onths

100D 100D

12 =onths to 1D =onths 10D0 10D0

!bo"e 1D %onths to less than 2Lears

100D 100D

2 Lears to less than ; Lears 97D 97D

; Lears to Eess than D Lears 9D0 9D0

D Lears and abo"e 92D 92D

!s &er the Ne' CoGain !emium deosi# Sche%e+ %ini%u% a%ount o/

e&osit /or **9 da:s is 4s2D+000?. to less than 4s1D Eakh

hese rates are Per !nnu% and are a&&licable to /resh and rene$al o/ %aturin'

de&osits on or a/ter the e//ecti"e date

Penal rate o/ interest at 1 /or all the do%estic ter% de&osits irres&ecti"e o/ the

a%ount o/ de&osit /or &re%ature closure o/ the de&osits his is e//ecti"e /or the

de&osits created or rene$ed $ith e//ecti"e date o/ 08.07.2008

!i$a#e Sec#o Banks

%i;ed Deosi# Ra#es in !i$a#e Sec#o Banks

Name o2

#he Bank

1D.29

da*s

;0.JD

a*s

J-.-0

a*s

-1.90

a*s

91.120

a*s

120.179

a*s

180.270

a*s

271.;-J

a*s

1 .2Lears

2 . ;Lears

; . DLears

& toD

Lears

3ith e//ecti"e/ro%

Bank o/=adura

DD0 -D0 -D0 7D0 8D0 8D0 9D0 9D0 1000 10D0 1100 1100 1-.8.99

enturionBank

-D0 800 82D 8D0 92D 92D 102D 102D 10D0 112D 112D 112D 2J.-.99



10/33

it* nionBank

D00 -00 700 800 900 900 1000 1000 10D0 10D0 1000 1000 1.-.99

Hlobalrust India

-D0 800 800 800 92D 92D 1000 1000 . . 112D 11D0 18.8.99

#

Bank

D00 800 800 800 900 900 1000 1000 1000 1000 1000 . 10.J.99

IIIBank

D00 -00 700 700 800 800 1000 1000 10D0 10D0 10D0 10D0 1.8.99

IBI D00 800 800 800 900 900 9D0 9D0 . . 10D0 . 21.8.99

IndusIndBank

DD0 800 800 800 900 900 1000 1000 . 112D 112D 112D 2.8.99

Eord6rishnaBank

DD0 DD0 800 800 800 800 9D0 9D0 112D 112D 112D 112D 1.D.99

a%ilnadu=ercantileBank

-00 -00 7D0 7D0 9D0 9D0 10D0 10D0 1100 1100 11D0 11D0 7.D.99

atholicS*rianBank

-00 -00 800 800 8D0 8D0 900 900 1000 10D0 1100 1100 19.J.99

hanalaksh%iBank

700 700 800 800 900 900 9D0 9D0 10D0 1100 11D0 11D0 1.9.99

ederalBank

D00 D00 700 700 7D0 7D0 800 800 9D0 1000 107D 107D 1.9.99

K< 6Bank

DD0 DD0 700 700 92D 92D 1000 1000 102D 10D0 1100 1100 1D.12.99

South

IndianBank

D00 D00 700 700 7D0 7D0 8D0 8D0 9D0 102D 107D 107D 1D.9.99

Nedun'adiBank

-00 -00 800 800 900 900 1000 1000 10D0 11D0 11D0 11D0 1.J.99

5*s*aBank

D7D D7D 72D 72D 82D 8D0 900 900 10D0 107D 1100 1100 2.8.99

i%esBank

-00 800 800 800 900 900 1000 1000 10D 10D 10D . 1-.8.99

IBank

DD0 800 800 800 900 900 . . . . 11D 11D 1.D.99

1.< C,-!ARIS,N ,% %I7ED DE!,SIT RATES

!u"lic sec#o "anks

%i;ed Deosi# Ra#es in !u"lic Sec#o Banks

Bank

Name

1D.29

a*s

;0.JD

a*s

J-.-0

a*s

-1.90

a*s

91.120

a*s

120.179

a*s

180.270

a*s

271.;-J

a*s

1.2Lears

2.;Lears

;.DLears

& toD

Lears

3ithe//ect/ro%

!llahabadBank

D00 DD0 -D0 -D0 700 700 800 800 9D0 1000 10D0 1100 1.J.99



11/33

!ndhraBank

DD0 DD0 700 700 800 800 9D0 9D0 1000 10D0 1100 1100 1.J.99

Bank o/Baroda

D00 D00 -00 -00 -00 -00 700 700 800 9D1 10D0 10D0 D.J.99

Bank o/

India

D00 D00 DD0 -D0 -D0 -D0 700 700 800 9D0 1000 1000 21.7.99

anaraBank

D00 D00 -00 -00 -D0 -D0 7D0 7D0 900 9D0 1000 1000 1-.8.99

entralBank

D00 -00 -D0 -D0 700 700 8D0 8D0 9D0 9D0 10D0 10D0 12.;.99

ena Bank -00 -00 -2D -2D -7D -7D 77D 77D 900 1000 10D0 10D0 9.8.99

IndianBank

D00 D00 700 700 800 800 8D0 8D0 1000 10D0 1100 1100 17.D.99

IndianO"erseasBank

D00 D00 -00 -00 7D0 7D0 800 800 9D0 1000 10D0 10D0 1.J.99

Oriental

Bank

D00 D00 -D0 -D0 700 700 800 800 9D0 1000 10D 10D 1.J.99

Punab E

o ha"e an anal*sis in"estor o/ /ied de&osit in kadi o acco%&lish this

obecti"e it has been di"ided into /i"e

o deter%ine reasons behind o&tin' /or an /ied de&osit



13/33

o kno$ the %ost &re/erred /ied de&osit &olic*

o deter%ine custo%ers &erce&tion to$ards cor&oration bank and their

e&ectation /or% &ri"ate bank

o deter%ine the /eedback on ser"ices &ro"ided b* a cor&oration bank

o stud* the t*&es o/ bene/its &ro"ided b* bank ser"ices

+.+ SC,!E ,% T/E STUD

! bi' boo% has been $itnessed in bank in recent ti%es ! lar'e nu%ber o/ ne$

&la*ers ha"e entered the %arket and are tr*in' to 'ain %arket share in this ra&idl*

i%&ro"in' %arket In /ocus and the "arious se'%ents that it caters to he stud* then

'oes on to e"aluate and anal*ze the /indin's so as to &resent a clear &icture o/ trends

in the bankin' sector

+.* RESEARC/ DESIGN

In conclusi"e research I ha"e used descri&ti"e research due to /ind conclusion and

also used %ulti&le cross sectional research in %* &roect

his t*&e o/ research desi'n in"ol"in' the collection o/ in/or%ation /ro% an* 'i"en

sa%&le o/ &o&ulation ele%ents onl* once I ha"e collected in/or%ation /ro% 1;0

consu%ers o/ in"estin' in the /ied de&osit

+. S,URCES ,% DATA

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi 1;


14/33

he data collected /or the stud* $as &ri%ar* in nature as $ell as secondar* data

1. !ima: da#a

he &ri%ar* data collected b* sur"e* %ethod I ha"e contacted directl* to the

consu%ers and collect in/or%ation

+. Seconda: da#a

Secondar* data are collected /ro% $eb site+ bro$ser+ branch %ana'er $hich

needed /or research &roect

+. RESEARC/ A!!R,AC/ES

he research a&&roach selected is the sur"e* research It is best suited /or 'atherin'

descri&ti"e in/or%ation /ro% in"estor In/or%ation 'athered directl* /ro% indi"iduals

so+ reliable data collected /ro% the consu%ers

+.3 RESEARC/ INSTRU-ENT

#ere+ I ha"e used >uestionnaire /or %* %arket research 4esearch instru%ent

%eans the b* $hich $a* collect the in/or%ation I ha"e conducted a sur"e*throu'h >uestionnaire uestionnaire describe the structured techni>ues /or data

collection that consist o/ a series o/ >uestions $ritten that a res&ondents

ans$ers

+.4 SA-!8ING TEC/NI?UE

In this research+ non &robabilit* con"enience sa%&lin' %ethod is used because I

select the res&ondents done $hich are near to %* co"era'e area

+.6 SA-!8ING UNIT

In this research+ the in/or%ation:s ha"e been collected /ro% the students+ e%&lo*ee+

ser"ice &eo&le+ &ro/ession+ %erchants etc

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi 1J


15/33


16/33

INTER!RETATI,N

O/ the sa%&le size o/ 1;0 sur"e*ed res&ondents D8 o/ the res&ondents are

ha"in' /ied de&osit &olic* J2 o/ the res&ondents are either not ha"in' an*

/ied de&osit &olic* at &resent So the bankin' sector ha"in' little o&&ortunit* /or

/ied de&osit in /uture

.2,. I/ *es $hich bank:s /ied de&osit &lan do *ou holdQ

RObecti"e,. to kno$ res&ondent ha"in' /ied de&osit &olicies in $hich

bank

Bank name No. o2 esonden# ()

O4PO4!ION bank ;0

SBI bank J-

Bank o/ baroda 1;

Other 11

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi 1-


17/33

INTER!RETATI,N

;0 o/ the res&ondents ha"e /ied de&osit in cor&oration bank 3hile J- o/ the

res&ondents ha"e /ied de&osit in SBI bankeason "ehind is SBI is moe secue

#han o#he "anks

So%e o/ the res&ondents o&ted /or t$o or %ore than t$o ite%s

;,. 3hat is the a&&roi%ate in"est%ent *ou ha"e %adeQ

RObecti"e, . to kno$ that res&ondent earnin' %one* and ho$ %uch %one* s&ends in

In$es#men# (amoun#) No. o2 esonden# ()

10000.20000 2-

20001.;0000 ;0

D0000.100000 ;;

=ore than 100001 11



18/33

INTER!RETATI,N

ro% the chart abo"e $e /ind that+ 2- o/ the res&ondents sur"e*ed &a* an in"ested

4s10000.20000 to$ards /ied de&osit ;; o/ the res&ondents &a* in"ested 4s

D0000.100000 and 11 &a* an in"ested %ore than 4s 100001

J,. 3hat t*&e o/ ied e&osits are *ou interested inQ

RObecti"e,. o deter%ine in"estor &re/erence /or di//erent bank

!a#icula Cooa#ion

"ank

S"i "ank Bank o2

"aoda

o#he

Short ter% 9 8 J -

4ein"est%ent 12 1; ; 2

4ecurrin' 11 1; 0 J

a sa"in' 20 1J 7 -



19/33

INTER!RETATI,N=

ro% the abo"e 'ra&h it can be concluded that the co%&an* has better &osition in

ter%s o/ ta sa"in'+ short ter%+ rein"est%ent+ recurrin' in the %arket than the

co%&etitors but the ri"al is better in ter% o/ ta sa"in'+ rein"est%ent+ short ter% and

ad"ance /eature than co%&an*

D,. !re *ou a$are o/ the ne$ /ied de&osit &lan in %arketQ

RObecti"e, . ho$ %uch e//ecti"e ad"ertisin' b* bankQ

!ARTICU8AR N,. ,% RES!,NDENTS

()

Les 78

No 22



20/33

INTER!RETATI,N

ro% the chart 'i"en abo"e $e /ind that 78 o/ the res&ondents are a$are o/ ne$

/ied de&osit &olic* and 22 are not a$are o/ such &olic* ied de&osit &olicies

should be &ro%oted throu'h ad"ertisin'

-,. or ho$ %uch &eriod *ou ha"e in"ested *our %one* in /d

RObecti"e, . ho$ %uch &eriod to in"estin' %one* in /ied de&osit b*

res&ondentsQ

EAR N,. ,% RES!,NDENTS

()

T1 *ear 1D

1.2 *ear ;0

2.; *ear 18=ore than ; *ear ;7



21/33

INTER!RETATI,N

ro% the chart 'i"en abo"e it can be seen that 1D o/ the res&ondents &re/er a /ied

de&osit &olic* ter% o/ less than 1 *ear+ ;0 &re/er a ter% o/ 1U2 *ears and ;7 &re/er

a ter% o/ %ore than ; *ear

7,. 3hat %oti"ates *ou to in"estin' in /ied de&osit &lansQ

RObecti"e,. o deter%ine in"estor &re/erence on di//erent /ied de&osit &lan

%I7ED DE!,SIT !8AN N,. ,% RES!,NDENTS

()

#i'h interest rate ;0

Securit* ;D

a%il* res&onsibilit* 2;

ad"ertise%ent 12



22/33

INTER!RETATI,N

ro% the chart abo"e it can be seen that ;D o/ the res&ondents &urchase /ied

de&osit &olic* to secure their %one*+ ;0 take /ied de&osit to 'et hi'h interest rate+

2; &urchase /ied de&osit /or the /a%il* res&onsibilit* and 12 &urchase /ied

de&osit because o/ the in/luence o/ ad"ertise%ents

8,. 3hich criteria $ill *ou consider $hile in"estin' in /ied

de&ositQ

RObecti"e,. $hich criteria in/latin' to in"estin' %one* in

CRITERIA N,. ,%

RES!,NDENTS ()

interest rate ;J

Securit* ;;

!"ailabilit* o/ the bank 1J

acilities &ro"ided b* the

bank

19



23/33

INTER!RETATI,N

=aorit* o/ the res&ondent (;J+ ;;) /ound interest rate and securit* as

the %ost attracted /eature o/ the all =ini%u% res&ondents (1J) $ant

a"ailabilit* o/ bank

9,. #o$ %uch interest rates are &aid b* cor&oration bankQ

RObecti"e, . to kno$ that res&ondents ho$ %uch interest 'ettin' in

INTEREST

RATE

N,. ,% RES!,NDENTS

()

Eess than D 1D

- . 8 ;;

9 . 11 D2

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi 2;


24/33


25/33

INTER!RETATI,N

=aorit* o/ the res&ondent (;7) 'et *ear base interest on /ied de&osit

22 res&ondent $ants cu%ulate interest on /ied de&osit 19 res&ondent

$ants %onthl* base interest on there /ied de&osit

, . 11 4es&ondents &erce&tion about best /or% o/

in"est%ent /or securin' their /uture

RObecti"e,. can in"estors in"estin' %one* in other areasQ

!ARTICU8AR N,. ,% RES!,NDENTS ()

ied !ssets 21

/ied de&osits and sa"in' a?c J9

Ke$eller* -

Securities or share ie bonds+ =s 11

Insurance 1;

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi 2D


26/33

INTER!RETATI,N

21 o/ the res&ondents are $ith the "ie$ that ied !ssets is the best /or% o/

in"est%ent /or securin' their /uture J9 o/ the res&ondents are $ith the

&erce&tion that /ied de&osit and sa"in' a?c is the best /or% o/ in"est%ent /or

securin' their %one*

So%e o/ the res&ondents o&ted /or t$o or %ore than t$o ite%s

1 =ost o/ the custo%er &re/errin' to in"est %one* in sche%es

2 he entrance o/ &ri"ate &la*ers $ill increase the co%&etition and it $ould be a

tou'h task to secure a 'ood &osition in %arket

; Since cor&oration bank is lo$ leadin' $ith se"eral banks: &olicies it should be eas*

/or the% to &enetrate into the %arket and secure a 'ood &osition i/ the* &a* 'reater

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi 2-

%INDINGS


27/33

attention to the ser"ice &art &ro"ided to their custo%er and thereb* /or%in' a lon' and

trusted relationshi&

J !s seen /ro% the sur"e* that at &resent D8 o/ the custo%er are ha"in' /ied

de&osit &olic* out o/ $hich J9 o/ the custo%er are &lannin' /or ne$ in"est%ents

So it can be a 'ood &otential /or the co%&an* and the* should %ake an atte%&t to tra&

these custo%ers

. !s ;; o/ the custo%ers are e"en read* to 'o /or /ied de&osit i/ a ser"ice &ro"ider

a$a* /ro% their cit* is &ro"idin' it But intern the* should &ro"ide 'ood &roducts and

ser"ices he co%&an* should tr* to con"ince these custo%ers and 'et the% in its

/a"or

3. or&oration bank could introduce %ore &lans $herein the &re%iu% &a*in' ter% is

%ore than 1*ears

4.he custo%ers o/ bank are also /ocus on the interest rate as&ect o/ the /ied de&osit

3hile other res&ondents are not concentrated on interest as&ect because the* ha"e

stron' brand i%a'e

6.he occu&ation o/ consu%er is one reason behind in"estin' in /ied de&osit

#ence $e can sa/el* sa* that cor&oration $ould be able to ca&ture the %arket

better i/ it introduced &roducts?&lans $here the %ini%u% &re%iu% starts at 4s

10000 &er annu%

he bank is better &osition in ta sa"in'+ and rein"est%ent o/ than co%&etitors but

not in short ter% So bank can inno"ate its short ter% &lan


SUGGESTI,N


28/33

Bank can ad"ertise throu'h tele"ision+ radio+ ne$s&a&ers+ bill boards and

&a%&hlets his $ould increase a$areness and arouse curiosit* in the %inds o/ the

consu%er $hich $ould enable the co%&an* to %arket its &roducts %ore

e//ecti"el*

he co%&an* re&utation?brand &re/erence is "er* %ediu% in cor&orate as $ell as

co%%on &eo&le So bank can i%&ro"e its re&utation?brand

he bank a"ailabilit* is less than other &ublic bank so it can set u& branch e"er*

s%all and bi' cit*

Our ehausti"e research in the /ield o/ /ied de&osit thre$ u& so%e interestin' trends

$hich can be seen in the abo"e anal*sis ! 'eneral i%&ression that $e 'athered durin'

ata collection $as the i%%ense a$areness and kno$led'e a%on' &eo&le about

"arious co%&anies and their /ied de&osit &roducts Peo&le are be'innin' to look


C,NC8USI,N


29/33


30/33


31/33

?UESTI,NNAIRE

! stud* o/ &re/erences o/ the in"estors /or in"est%ent in /ied de&osit

NA-E,

ADDRESS,

,CCU!ATI,N=

1,. do *ou ha"e a /ied de&osit &lan in *our na%eQ

o Les

o No

2,. I/ *es $hich bank:s /ied de&osit &lan do *ou holdQ

o

o or&oration bank

o Sbi bank

o Bank o/ baroda

o Other

;,. 3hat is the a&&roi%ate in"est%ent *ou ha"e %adeQ

o 10000.20000

o 20001.;0000

o D0000.100000

o =ore than 100001

J,. $hat kind o/ /ied de&osit &lan $ould suit *ou best in *our

%indQ

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi ;1


32/33

Cooa#ion

"ank

S"i "ank Bank o2

"aoda

o#he

Short tea%

4ein"est%ent

4ecurrin'a sa"in'

D,. !re *ou a$are o/ the ne$ /ied de&osit &lan in %arketQ

o Les

o No

-,. or ho$ %uch &eriod *ou ha"e in in"ested *our %one* in /d

o T1 *ear

o 1.2 *ear

o 2.; *ear

o =ore than ; *ear

7,. 3hat %oti"ates *ou to &urchase /ied de&osit &lansQ

o #i'h interest rate

o Securit*

o a%il* res&onsibilit*

o !d"ertise%ent

8,. 3hich criteria $ill *ou consider $hile in"estin' in /ied

de&ositQ

o Interest rate

o Securit*

o !"ailabilit* o/ the bank

o acilities &ro"ided b* the banks

N P olle'e o/ o%&uter studies < =ana'e%ent+ 6adi ;2


33/33

9,. #o$ %uch interest rates are 'ettin' in *our /ied de&ositQ

o Eess than D

o - . 8

o 9 . 11

o V11

10,. !t $hat /re>uenc* do *ou $ant the interest to be &aidQ

o

ail*o =onthl*

o u%ulate

o uarterl*

o #al/ *ear

o Lear

11= 3hich Is he Best or% O/ In"est%ents?

o IW !SSS

o B!N6 POSIS

o K3EE4L

o S4IIS+ ie Bonds+ =s

o S#!4S

o INS4!N

final corp bank

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