1

CONTENT

Sr. No. 1 2 3 4

Particular Banking Sector in India General Information of Bank Objective of Bank Policies of Bank

Page No. 3 4 5 6

BANKING SECTOR IN INDIA

!"e #$%$&$ B$%'( in India started )*nctioning some +ears ago, !"e #$%$&$ B$%' is an im-ortant bank of t"e Indian )inancial S+stem, !"e b*siness of #$%$&$ B$%' in t"e vario*s areas also "ave increased -"enomenall+ in recent +ears d*e to t"e s"ar- increase in t"e n*mber of -rimar+ #$%$&$ B$%'S, !"is bank is also *nderstanding b+ t"e government of India,

GENERAL INFORMATION OF BANK

!"e %ame of t"e Bank is #$%$&$ B$%' .$ Government of India /ndertaking0 !"e 1ear of 2stablis"ment 3 1456 $cco*nting 1ear of t"is bank is 1st $-ril to 31st 6arc", !"e 7ead Office of t"is Bank is Bangalore, 8orking 7o*r 3 15,55 am to 5,35 -m, $ddress of Bank &ing &oad9 Infront of $dani9 &ajkot 3 365 555 6ain Branc"es of #$%$&$ B$%' in &ajkot 3 !:o 6anager of t"is Bank 3 %, S, '"anani #as"ier of t"is Bank 3 G, ;, ;adeja $cco*ntant of t"is Bank 3 1, ', B, Pang+atara 2, <, %, S"a"

OBJECTIVES OF BANK

$cc*m*late de-osit to t"e Bank of &s, 155 crores, $c"ieve net -rofit to t"e Bank of &s, 155 =acks, &ed*ce cost of >e-osit to ? @, &ed*ce c*stomer com-anies to 155@, Bring c*stomers satisfactor+ to 155@, !rain staff to become more effective,

POLICIES OF BANK

Bank is committed to ac"ieving t"e c*stomerAs satisfaction t"ro*g", 1, Providing best services as -er norms, 2, 2n"ancing organiBations image and re-*tation for C*alit+, 3, #ontin*o*sl+ im-roving service C*alit+, !"is commitment is met t"ro*g" n*rt*ring C*alit+ c*lt*re in t"e organiBation and t"e b+ constant absence to laid do:n C*alit+ management s+stem,

CONTENT

Sr. No. 1 2 Introd*ction Service at a Bank 1, >e-osits 2, =oans

Particular

Page No. 54 15 11 14

3, Ot"er Services

INTROD!CTION

8it" +ears banks are also adding service to t"eir c*stomers, !"e Indian banking ind*str+ is -assing t"ro*g" a -"ase of c*stomers market, !"e c*stomers "ave more c"oices in c"oosing t"eir banks, $ com-etition "as been establis"ed :it"in t"e banks o-erating in India,

8it" staff com-etition and advancement of tec"nolog+9 t"e services -rovided b+ banks "ave become more eas+ and convenient, !"e -ast da+s are :itness to an "o*r :ait before :it"dra:ing cas" from acco*nts or c"eC*es from nort" of t"e co*ntr+ being cleared in one mont" in t"e so*t",

!"is section of banking deals :it" t"e latest discover+ in t"e banking instr*ments along :it" t"e -olis"ed versions of t"eir old s+stems,

Banks in India :it" t"e :a+ of develo-ment "ave become eas+ to a--l+ in loan market, Generall+ loan against s"ares9 -ersonnel loan9 "ome loan etc, =oans is given b+ almost all t"e banks in t"e co*ntr+,

SERVICES AT T"E BANKS

De#o it $
#*rrent >e-osits )iDed >e-osits Saving >e-osits

Loa% $
A. Ter& Loa% 7o*sing =oan B*siness =oan <e"icle =oan Personnel =oan Professional =oan =oan $gainst %S# =oan $gainst '<PE=I#

B. Ca ' Cre(it =oan to Small scale Ind*str+ Ot"ers

Ot'er Ser)ice
In ot"er services9 bank -rovides follo:ing services =ocker S+stem >emand >raft

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DEPOSITS

*. Curre%t De#o it +Accou%t,

8"ile o-ening t"is acco*nt -erson or :"o so even is going to o-en t"is t+-e of acco*nt9 "e "as to make t"e reg*lar transactions :it" t"is acco*nt, 6ostl+ t"e b*sinessman o-en t"is t+-e of acco*nt beca*se t"e+ "ave to receive and make -a+ment t"ro*g" c"eC*es man+ times in a da+,

Re-uire( Docu&e%t to o#e% curre%t Accou%t

A. For #art%er 'i# Fir& $ll t"e -artnerAs -"otos #o-+ of Partners"i- deed P$% card co-+ of firm &egistration co-+ .I)0 Proof of eDisting of firm Proof of all -artners address

B. For Pro#rietor 'i# Fir& $ll -artners -"oto P$% card co-+ of firm Proof of eDisting firm #o-+ of S,!,
11

 Proof of all -artners

$ -erson "as to de-osit minim*m &s, 3555 in c*rrent acco*nt, Bank takes &s, 355 service c"arge at t"e end of t"e +ear, $ -erson :ants to close "is c*rrent acco*nt9 bank c"arge &s, 55,

12

.. Sa)i%g +accou%t, De#o it $

It is an ideal acco*nt for t"ose :"o "ave s*fficient mone+ to save 1F a -erson :ants to o-en "is saving acco*nt :it" a bank, !"e -erson "as to fill *- a form of t"e banks saving acco*nt, &ate on saving acco*nt is 3,5@,

/. Fi0e( De#o it$

$ -erson :"o "as s-ares mone+ for a -artic*lar -eriod of time and "e :ants to get it as do*ble so for "im fiDed acco*nt is a best :a+ to de-osit mone+,

13

RATES ON FI1ED DEPOSITS$

35 da+s to 45 da+s 46 da+s to 45 da+s 41 da+s to 1?4 da+s 1F5 da+s to 1 +ear 1 +ear to 2 +ears 2 +ear to 5 +ears $bove 5 +ears &ate of senior citiBens"i- above 6 mont"s

3,5@ 5@ 6@ ?@ ?,5 @ F@ ?,?F@ 5,5 @

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LOANS
A. Ter& Loa% $
It is one of t"e major so*rces of debt, )inance for long term -roject, !erm loans are generall+ re-a+able in more t"an a +ear b*t less t"an 15 +ears,

*. "ou i%g Loa% $

!"e loan :"ic" is taken for t"e -*r-ose of to -*rc"ase or b*ild "ome, &ate of interest is 15,5@, for &s, 5 lacs and above &s, 5 lacs rate of interest is 11,5@,

.. Bu i%e

Loa%$

$ -erson :"o is engaged in t"eir b*siness at least from last one +ear can get t"is kind of loan, )or t"e -*r-ose of f*lfillment of t"e s"ort term :orking ca-ital needs, &ate of interest on t"is loan is as *nderG /- to &s, 2 lacs &s, 2 lacs to &s, 5 lacs &s, 5 lacs to &s, 15 lacs $bove &s, 15 lacs 12 @ 12,5 @ 13 @ 14 @

/. Ve'icle Loa%$
$ -erson or a b*sinessman :"o :ants to -*rc"ase ne: or old ve"icle for t"e -*r-ose of t"e trans-ortation or for -ersonnel *se can get t"is kind of loan, &ate of interest on t"is loan is as *nder, )or trans-ort o-erator )or -ersonnel *se 14@ 13 @

2. Pro3e io%al Loa%$

15

!"is kind of a loan is granted to -rofessional -ersons s*c" as la:+er9 #,$, etc, for t"e -rofessional -*r-ose, /- to &s, 2 =acks &s, 2 =acks to 5 =acks &s, 5 =acks to &s, 15 =acks $bove &s, 15 =acks 12 @ 12,5 @ 13 @ 13,5 @

4. Loa% Agai% t NSC5KVP5LIC$

Bank grants loan for t"e -*r-ose of -*rc"ase or to b*ild "ome, $ bank :ill c"arge 15@ rate of interest on t"is loan,

6. Per o%al Loa%$

In t"is loan9 one can get a sanctioned loan amo*nt bet:een &s, 25555 to &s, 1 lacks as de-ending *-on t"e -rofit of -ersons a--l+ing for t"e loan, &ate of interest on loan /-to &s, 25555 $bove &s, 25555 13 @ 14 @

B. Ca ' Cre(it$

*.

Loa% to S&all Scale I%(u trie $ $ -erson :"o "as "is o:n b*siness and :ants to start "is o:n b*siness as

small scale sector can get t"is kind of t"e loan, &ate of interest on t"is loan /- to &s, 2 =acks 11 @ 11,?5 @ 12,?5 @ 13 @

&s, 2 =acks to &s, 5 =acks &s, 5 =acks to &s, 15 =acks $bove &s, 15 =acks

16

..

Ot'er ca ' Cre(it Loa% Bank also grants cas" credit to t"e local residential or to an ordinar+ -eo-le to

f*lfill t"eir needs for mone+,

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18

PROGRESS REPORT

19

20

21

INTROD!CTION

6arketing is anal+sis organiBing9 -lanning H controlling of t"e firms9 c*stomers :it" reso*rces9 -olicies9 activities :it" a vie: to satisf+ing needs and :ants of c"osen, 6arketing is ver+ im-ortant conce-t, %o: a da+s marketing is ver+ necessar+ for s*ccess,

22

!"e main objectives of 6arketing >e-artment of Bank

!o Satisf+ t"e needs of :ants of cons*mers, !o solve t"e -roblems of cons*mers, !o create and deliver t"e standard of living to t"e societ+, !o generate ne: sc"emes for identif+ t"e ne: cons*mers, !o maDim*m c*rrent -rofit t"ro*g" best :a+,

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ADVERTISING

$dvertising is an+ form of -aid not -ersonal -resentation of ideas9 goods or services for t"e -*r-ose of ind*cing to -eo-le to b*+,(

Generall+ advertising is -rovided t"ro*g" follo:ing :a+,

)rom t"e above medias t"e #anara Bank =td, /se t"e ne:s -a-er9 magaBines9 jo*rnals9 -osters9 stickers H Internet for t"e an+ t+-e of advertisement,

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25

CONTENT

Sr. No. 1 2 3 4 Introd*ction )inancial Planning )inancial &e-ort

Particular

Page No. 25 26 2? 2F

Information of S"are #a-ital

26

INTROD!CTION

)inance is like blood for t"e ever+ com-an+, )inance management is ver+ im-ortant i,e, first to manage financial reso*rce9 t"en to distrib*te t"at finance among t"e vario*s de-artments according to t"eir need and lastl+ "as to c"eck :"et"er it is *sed in rig"t :a+ or not, !"is onl+ finance gat"ering "as not become t"e goal or aim of finance management b*t is "olds a ke+ -osition in to- management of com-anies,

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FINANCIAL PLANNING

Generall+ financial -lanning is derived into t:o -arts, 1, S"ort term Planning 2, =oan term Planning !"e bank concerns :it" above t+-es of -lanning,

Ratio A%al7 i
It is a -o:erf*l tool of financial anal+sis, $ ratio is defined as !"e indicated C*otient of t:o mat"ematical im-ression( and as t"e relations"i- bet:een t:o or more t"ing,( Some rations of t"e +ear 2556 .&s, In =acks0 are as *nder credit >e-osits &atio G ?5,F5 @ %et Profit &atio G F @

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FINANCIAL REPORT

!"e liberaliBation of t"e financial sector is t"e ke+ for t"e overall liberaliBation -rocess, Grad*all+ t"e str*ct*re of t"e financial market, !"e #$%$&$ B$%' "as market t"e -rogressive gro:t" and -rofitabilit+ bot" t"e financial +ear 2555I2556 :"ic" is reflected in t"e follo:ing financing since ince-tion, .&s, In lacks0 Particular 6embers S"are #a-ital >e-osit $dvances %et Profit 8orking #a-ital /*89/894 &s, 149455 &s, 316 &s, FF55 &s, 6355 &s, F2 &s, 159255 /*8/89: &s, 149555 &s, 335 &s, 4645 &s, 6355 &s, F? &s, 159F55

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INFORMATION OF S"ARE CAPITAL

=ast +ear t"ere :ere 1393F5 members, !"is +ear it is reac"ed to 149555 in n*mbers d*ring t"e +ear 2556I255?, !otal s"are ca-ital gone *- to &s, 393559555 :"ic" is 6,52 @ "ig"er t"an t"e -revio*s fig*re, $n increase in t"e n*mber of members is t"e sign of s*ccess of t"e bank,

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31

CONTENTS

Sr. No. 1 2 3 4 5 6 ? F 4 15 Introd*ction General 6eeting

Particular

Page No. 31 32 33 34 35 36 3? 3F 34 45

J*alification of >irectors $*t"orit+ of managing >irector Selection Promotion !ransfer Personnel &ecord &em*neration OrganiBation #"art

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INTROD!CTION

!"e internal de-artment str*ct*re of -ersonnel de-artment varies :idel+ from one com-an+ to anot"er, !"e -ersonnel de-artment "as to f*nction as a medians to establis" "ealt"+ relations"i- bet:een t"e management and t"e em-lo+ees organiBation is formed b+ t"e factor of -rod*ction namel+ land9 labo*rs9 mone+ etc, middle level management and labo*rers is t"e living factor :it" t"e sense of feeding,

Personnel 6anagement is t"e -lanning9 organiBing9 direction9 contrib*ting of t"e -roc*rement9 develo-ment of t"e -eo-le of t"e -*r-ose of contrib*tion to organiBation individ*al and social goal,( I2d:ard )li--o

33

GENERAL MEETING

$fter t"e financial +ear :it"in t"ree mont"s ann*al general meeting "as been decided, $ll t"e member of bank staff9 BO> is invited to attend t"e meeting, Generall+ t"e entire general meeting of t"e of ann*al general meeting and s-ecial general meeting t:o t+-es in all kinds of or organiBation, 1, !"e agenda of t"e meeting :as to note t"e a*dited acco*nts of bank and a*dit re-ort on 31st 6arc", 2, !"e loonies :"o :o*ld not -aid t"eir loan9 t"e+ can get t"e advantages of one time settlement sc"eme to t"eir sanction a--lication, !"e time -eriod is not fiDed given to loonies b*t it is decided in t"e general meeting,

34

;!ALIFICATION OF DIRECTORS

$s :e kno: t"at t"e directors are t"e most im-ortant -art of or an+ kind of organiBation for t"e director of na+ organiBation, !"e -erson s"o*ld "ave some certain C*alification, 1, !"e member :"o "ave at least t"e balance of &s, 2555 in t"e bank at t"e 31 st 6arc"9 so "e can be t"e director of t"e of t"e bank according to t"e la: of bank, 2, !"e -erson :"o "ave a members"i- of t"e bank of 24 mont"s before t"e date of election, 3, !"e age of t"e -erson s"o*ld be above 1F +ears, 4, 7e s"o*ld not be t"e creditor of an+ kind of organiBation,

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A!T"ORIT< OF MANAGING DIRECTOR

1, !o a--oint t"e managers and secretar+, 2, !o decide t"e salaries and bon*s of -artic*lar em-lo+ees, 3, !o do -*nis"ment if an+ mistake done b+ t"e em-lo+ees and to see t"e -ro-er :a+ of :ork to t"em, 4, !o "ere com-anies and *nderstand t"e -roblems and make t"e :a+ dear of :ork b+ avoidance t"ese kinds of restriction,

36

SELECTION

Selection means t"e -roced*re of selection in terms of best -erson and all :it" reC*ired C*alification, !"is -rocess is negative b+ nat*re beca*se it selects onl+ s*itable -ersons and rejects t"e ot"er a--lied,

Selectio% Proce
It is a -rocess b+ :"ic" t"e C*alified -ersonnel can be c"osen from t"e a--lication selection is -rocess in t"e "and of management to get C*alif+ and t"e disC*alif+ a--licant b+ vario*s met"ods, !"is -rocess is as follo:, Intervie:s Primar+ Selection )inal Selection Placement

37

PROMOTION

Promotion ma+ be defined as *-:ard of an em-lo+ee in an organiBation9 :"ic" commands better :ages better stat*s etc, in s"ort a -romotion is t"e transfer of an em-lo+ee to a job9 :"ic" -a+s more mone+ or more t"at carries o*t some -referred stat*s,( Promotion ma+ be given on t"e basis of seniorit+ merits on t"e basis of seniorit+ b*t "ere -romotion is given on t"e basis of abilit+ -erformance merits9 ca-abilit+ and C*alification,

38

TRANSFER

!ransfer is a "oriBontall+ movement of em-lo+ees from one selected job9 de-artment to anot"er -lace :"ere t"e salar+ stat*s and res-onsibilit+ are remaining same,( In #$%$&$ B$%'9 t"e em-lo+ees are transferred from one de-artment to anot"er and from one -osition to anot"er,

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PERSONNEL RECORD

In -ersonnel record com-ete *- to date information in maintained abo*t em-lo+ees ever+ *nit "ave record book for em-lo+ees in :"ic" record information abo*t em-lo+9 leave9 -romotion9 -*nis"ment etc, !"is bank "as record books of em-lo+ees, !"ese record books are as follo:s, $ttendance register Salar+ 3 :ages register Bon*s register Provident f*nd register Ot"ers

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REM!NERATION

&em*nerationAs main -*r-ose is to maintain eC*itable rem*neration str*ct*re, It is t"e dail+ of t"e firm to -a+ -ro-er relative and reasonable amo*nt to t"e :orker for t"eir service, !"is bank -a+s salar+ .rem*neration0 t"eir :orkers on mont"l+ basis,

41

ORGANI=ATION C"ART

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S>OT ANAL<SIS

S8O! anal+sis means overall eval*ation of a firms strengt"s9 :eakness9 o--ort*nities and t"reats, S8O! anal+sis consists of making anal+sis of t"e eDternal environment and internal environment,

S K Strengt"s 8 K 8eakness O K O--ort*nities ! K !"reats

Stre%gt'$
!"is bank is ver+ re-*ted in local area, )*ll+ #om-*teriBed %o mistake in reg*lar transaction can be fo*nd beca*se of small net:ork,
44

>ea?%e $
=o:er vol*me of advances d*e to "ig"er rate of interest ma+ affect t"e eD-ansion of t"e organiBation, %ot re-*ted at %ational level H less %o, of t"e branc"es,

O##ortu%itie $
%o, of branc"es can be increased in all over nation neDt 5 to F +ears, Bank can introd*ce ne: services,

T'reat $
$ll t"e de-ositors ma+ :it"dra:n t"eir mone+ from bank beca*se of an+ :rong r*mors against bank,

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46

CONCL!SION

)rom t"e bankAs visit I learn a lot, %o: I kno: t"at "o: t"e t"eoreticall+ as-ects are a--lied in t"e ind*stries,

I "ad fo*nd t"at all t"e staff members and :orkers are :orking in coIordinates manner and in -lanned :a+ H abo*t t"eir :ork and diversif+ing t"eir efforts to:ards t"e desired targets d*e to *n-recedented tr*st and cor-oration, !"e staff of bank "as been able to reac" to t"e ne: "eig"ts of s*ccess,

So at t"e end 1 :is" t"e #$%$&$ B$%' and all t"e best to get desired s*ccess in t"e f*t*re,

47

48

S!GGESTION

Bank is not -roviding some im-ortant facilities :"ic" are being -roviding b+ ot"er banks so bank s"o*ld tr+ to -rovide or start, !"is facilit+ and ot"er -olicies in ear f*t*re bank "as not large net:ork and not f*ll+ develo-ed so bank s"o*ld o-en ne: branc"es,

49

50

F!T!RE PLAN

8e kno: t"at !eam m*st be reC*ired for ever+ :ork s*ccess, $ll t"e com-anies or banks also make vario*s t+-e of -lan for t"eir s*ccess, !"e #$%$&$ B$%'As f*t*re -lan is for getting t"e c*stomer satisfaction b+ -roviding vario*s so*rces and increasing its s"are ca-ital,

51

52

BIBLIOGRAP"<

Personnel 6anagement 3 $s":at"a-a9 #, B, 6amoria 6arketing 6anagement 3 P"ili- 'otler9 S, $, S"erlarker )inance 6anagement 3 I, 6, Pande+

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