sanjay project ppt

7/28/2019 Sanjay Project Ppt

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PRESENTATION ON-

OPERATION AND CREDIT

FACILITIES OF THE RAJSAMANDURBAN COOPERATIVE BANK


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INTRODUCTION OF BANK

BANKING.

A Bank is an organization, which is usually corporation that acceptsdeposits, makes loans, pays cheques and performs related services forthe public and it can be justly stated as a crux of a business. It can also bedescribed as a financial institution that accepts deposits and channels themoney into lending activities.

Role of bank.

It encourages saving habit of amongst people and thereby makesfunds available for productive use.

It acts as an intermediary between people having surplus money andthose requiring money for various business activities.

It facilitates business transactions through receipts and payment by

cheques instead of currency. It provides loans and advances to businessmen for short term and

long term purposes.

It helps in national development by providing credit to farmers,small scald industries


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CONT..

Types of bank Central Bank

Development Bank

Specialised Bank

Commercial Banks(Public sector , Private sector,

Foreign Bank)

Co-Operative Banks(Primary credit societies , Central

Co-op banks , State Co-op banks)


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INTRODUCTION OF RUCB

This bank is established at 29 Feb. 1996 & started its working on 23may 1996.

First president & chair man of bank was Dr. C.P. joshi. It started itsworking with capital of 26 lac Rs but today it has working capital ofRs 57 caror. Now it is playing an important role in the list ofcooperative bank.

Branches of bank

Rajsamand

udaipur

Nathdwara

devgarh Aamet

Future plan

Establishing branches in chit or & in bhilwara.

Organising more loan camps for economic enhancement of citizen.

Adopting more advance techniques of banking.


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INTRODUCTION OF STUDY

CREDIT POLICY AND PLANNING

Introduction

Lending money is one of the main business activities of banks. The Rajsamand UrbanCooperative bank deploys a major portion of funds by way of loans and advances.Lending business provides a major part of their total income. Since bulk of the fundslent belongs to the depositors, it is necessary that the funds are deployed on a soundand realizable basis and they earn optimum returns. While lending the wider nationalobjectives of economic and social development are also taken into consideration.

Long Term Strategic PlanThe Long Term Strategic Plan is the basic instrument for Credit Policy and Planning

of the bank. Prepared by the Corporate Office, it takes into consideration:

i) The mission, vision, corporate philosophy and basic business objectives of theBank.

ii) Share holders expectations in terms of the Return on Assets (ROA) and Return onEquity (ROE).

that would influence the long-term strength and success of the Bank.

Annual Budgets/Plans

A. Business Levels

B. Plan Implementation Strategies

C. Recovery and NPA Monitoring

D. Monitoring and Review of Performance


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RESEARCH METHODOLOGY

This talks about data collection of the project work.

All progress is born out of enquiry Doubt is often better than overconfidence for it leads to inquiry and inquiry leads to invention.

During my research work I went for Stratified Random Sampling The datacollection as such is divided into

Primary data collection- Data collected through questionnaire survey, brainstorming, opinion poll, discussion etc.

Secondary data collection- Data collected through literature survey,journals, Internet search, company records/bulletin, company reports, CD-ROM search etc.

i. Sampling Method: Method of collecting primary Data: Observationmethod & Questionnaire method.Methods of Collecting Secondary Data:

Journals of trade commerce, economics, engineering, magazines, booketc.Through Schedules also

ii. Value Chain Analysis: to gain a deeper insight into buyer needs. Thevalue chain breaks down the firm into its strategically relevant activities inorder to understand the behavior of costs & the existing or potentialsources of differentiation.

The force field analysis: to identify pushing and resisting forces. The

present situation is described in the form of a line that is subject to pushingand resisting forces.


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SURVEY ON CREDIT FACILITIES

We prepared a Questionnaire consisting of 12 questions to be asked by thecustomers. A sample of 50 customers was taken and the following result wasobtained from our sample survey.This result may not be exact but gives an overview of what is being there thescenario of Kota related to credit facilities.

OBJECTIVES OF THE SURVEY

1. Survey on potential of credit facilitiesThe objective behind this was to study and analyze the market potential for thecredit facilities. For this the income pattern, type of credit facilities range ofdisbursement has to be studied in detail. In order to understand the range ofbusiness that would be available to The Rajsamand urban Cooperative bank.

2.Create awareness amongst potential customers of Credit facilities for Bank.

3.Study of market share of various banks in credit facilities: gives knowledgeabout major competitors of The Rajsamand urban Cooperative Bank.

4.To create a database of potential customers of credit facilities in for TheRajsamand urban Cooperative Bank.


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ANALYSIS AND FINDINGS

1. Outcome of the survey done to know the percentage of people, of differentprofessions, avail credit facilities provided by the banks.

Findings:

21% of persons work in a business enterprise.

6% of persons are self-employed.

66% are salaried persons.

7% are professionals.Interpretation:

After analysis one can interpret that out of a sample of 50 persons majority of themare salaried working in private concerns i.e. they covered around 66% share inthe sample.

The persons working in business enterprise occupied the next major share.

Such a survey was conducted in order to analyze the sector in which major

proportion of people are working.

01020

3040506070

Business Entreprise Self employed Salaried Person Professional


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CONCLUSION

Market place is no longer responsive to the strategies that worked inthe past. There are just too many products, too many companiesand too much marketing noise.

During the training process the reality, which unveiled itself was that,the easy way toget into customers mind is to be the best &

cheaper and UMUCo Bank has grown up as a household name,as its capital services are working from so many years i.e. step withstep with its competitors. Credibility and reliability works as a bonuspoint for UMUCo Bank while launching of any new product.

Credit facilities are not a new concept in banking in todays scenario.Earlier people were relying more on Private Financers and HBFCsbut now, the scene is being changing. People are trusting on banks

for this service. UMUCo is providing credit facilities at an attractiverate of interest giving customer a good margin.


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RECOMMENDATIONS

In this over communicated market the only hope to score big is to

concentrate on narrow but deep targets i.e. UMUCo bank should notonly focus its efforts on assessing the credit facilities of PrivateBanks but it can also go for the Nationalized Banks as still for thecredit facilities the customers rely more on them.

As there is a lot of misconception about the interest factor of suchproducts offered by these can be foregone by organizing various

presentations and seminars. The market holds a good potential so a team should be formulated

whose main focus is on credit facilities.

UMUCo can go for promotion of its products and services byarranging for:

Displays through attractive hoardings and boards especiallyoutside organization providing market for this segment.

Giving advertisement in various newspapers and magazines.

The bank must keep not only its employees upto date with theinformation regarding any new scheme but it should also reach tothe customer.


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THANK YOUPRESENTED BY-

SANJAY NAIRMBA 2ND yr.

sanjay project ppt

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