Professional Documents
Culture Documents
Definition Of Bank:
Banking Means "Accepting Deposits for the purpose of lending or Investment of deposits
of money from the public, repayable on demand or otherwise and withdraw by cheque,
draft or otherwise."
-Banking Companies (Regulation) Act,1949
The origin of the word bank is shrouded in mystery. According to one view point the
Italian business house carrying on crude from of banking were called banchi bancheri"
According to another viewpoint banking is derived from German word "Branck" which
mean heap or mound. In England, the issue of paper money by the government was
referred to as a raising a bank.
ORIGIN OF BANKING :
Its origin in the simplest form can be traced to the origin of authentic history. After
recognizing the benefit of money as a medium of exchange, the importance of banking
was developed as it provides the safer place to store the money. This safe place ultimately
evolved in to financial institutions that accepts deposits and make loans i.e., modern
commercial banks.
Without a sound and effective banking system in India it cannot have a healthy
economy.The banking system of India should not only be hassle free but it should be able
to meet new challenges posed by the technology and any other external and internal
factors.
For the past three decades India's banking system has several outstanding achievements
to its credit. The most striking is its extensive reach. It is no longer confined to only
metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even
to the remote corners of the country. This is one of the main reasons of India's growth
process.
BANKS IN INDIA
In India the banks are being segregated in different groups. Each group has their own
benefits and limitations in operating in India. Each has their own dedicated target market.
Few of them only work in rural sector while others in both rural as well as urban. Many
even are only catering in cities. Some are of Indian origin and some are foreign players.
All these details and many more is discussed over here. The banks and its relation with
the customers, their mode of operation, the names of banks under different groups and
other such useful informations are talked about.
One more section has been taken note of is the upcoming foreign banks in India. The RBI
has shown certain interest to involve more of foreign banks than the existing one recently.
This step has paved a way for few more foreign banks to start business in India.
(26)
Private Sector
Foreign Banks In
Regional Rural
Banks
India
Banks
(25)
Nationalized
Old
Bank
(29)
(95)
Private
Banks
Other
Public
Sector
Banks
New
Private
Banks
(IDBI)
SBI
And
Its
Associates
Public sector banks are those banks which are owned by the Government. The Govt. runs
these Banks. In India 14 banks were nationalized in 1969 & in 1980 another 6 banks were
also nationalized. Therefore in 1980 the number of nationalized bank 20. At present there
are total 26 Public Sector Banks in India (As on 26-09-2009). Of these 19 are
nationalised banks, 6(STATE BANK OF INDORE ALSO MERGED RECENTLY)
belong to SBI & associates group and 1 bank (IDBI Bank) is classified as other public
sector bank. Welfare is their primary objective.
Nationalised banks
Allahabad Bank
Andhra Bank
Bank Of Baroda
Bank Of India
Bank Of Maharastra
Canara Bank
Central Bank Of India
Corporation Bank
Dena Bank
Indian Bank
Indian Overseas Bank
Oriental
Bank
Of
Commerce
Punjab & Sind Bank
Punjab National Bank
Syndicate Bank
UCO Bank
Union Bank Of India
United Bank Of India
Vijaya Bank
IDBI
(Industrial
Development
Bank
Of
India)Ltd.
These banks are owned and run by the private sector. Various banks in the country such
as ICICI Bank, HDFC Bank etc. An individual has control over these banks in
preparation to the share of the banks held by him.
Private banking in India was practiced since the beginning of banking system in India.
The first private bank in India to be set up in Private Sector Banks in India was IndusInd
Bank. It is one of the fastest growing Bank Private Sector Banks in India. IDBI ranks the
tenth largest development bank in the world as Private Banks in India and has promoted
world class institutions in India.
The first Private Bank in India to receive an in principle approval from the Reserve Bank
of India was Housing Development Finance Corporation Limited, to set up a bank in the
private sector banks in India as part of the RBI's liberalization of the Indian Banking
Industry. It was incorporated in August 1994 as HDFC Bank Limited with registered
office in Mumbai and commenced operations as Scheduled Commercial Bank in January
1995. ING Vysya, yet another Private Bank of India was incorporated in the year 1930.
HSBC
(Hongkong
Shanghai
Abu
Dhabi
Commercial
Banking
Corporation)
Bank Ltd
JPMorgan Chase Bank
American Express Bank
Krung Thai Bank
Antwerp Diamond Bank
Mashreq Bank
Arab Bangladesh Bank
Mizuho Corporate Bank
Bank
International
Oman International Bank
Indonesia
Bank of America
Shinhan Bank
Socit Gnrale
Bank of Ceylon
Sonali Bank
UFJ
Barclays Bank
BNP Paribas
&
Calyon Bank
ChinaTrust
Commercial
Bank
Citibank
DBS Bank
Deutsche Bank
Cooperative banks in India:The Cooperative bank is an important constituent of the Indian Financial System, judging
by the role assigned to co operative, the expectations the co operative is supposed to
fulfil, their number, and the number of offices the cooperative bank operate. Though the
co operative movement originated in the West, but the importance of such banks have
assumed in India is rarely paralleled anywhere else in the world. The cooperative banks
in India plays an important role even today in rural financing. The businessess of
cooperative bank in the urban areas also has increased phenomenally in recent years due
to
the
sharp
increase
in
the
number
of
primary
co-operative
banks.
Co operative Banks in India are registered under the Co-operative Societies Act. The
cooperative bank is also regulated by the RBI. They are governed by the Banking
Regulations Act 1949 and Banking Laws (Co-operative Societies) Act, 1965.
10
Rural banks in India:Rural banking in India started since the establishment of banking sector in India. Rural
Banks in those days mainly focussed upon the agro sector. Regional rural banks in India
penetrated every corner of the country and extended a helping hand in the growth process
of the country.
SBI has 30 Regional Rural Banks in India known as RRBs. The rural banks of SBI is
spread in 13 states extending from Kashmir to Karnataka and Himachal Pradesh to North
East. The total number of SBIs Regional Rural Banks in India branches is 2349 (16%).
Till date in rural banking in India, there are 14,475 rural banks in the country of which
2126 (91%) are located in remote rural areas.
Apart from SBI, there are other few banks which functions for the development of the
rural areas in India. Few of them are as follows.
NABARD
National Bank for Agriculture and Rural Development (NABARD) is a development
bank in the sector of Regional Rural Banks in India. It provides and regulates credit and
gives service for the promotion and development of rural sectors mainly agriculture,
11
small scale industries, cottage and village industries, handicrafts. It also finance rural
crafts and other allied rural economic activities to promote integrated rural development.
It helps in securing rural prosperity and its connected matters.
Sindhanur Urban Souharda Co-operative Bank, popularly known as SUCO BANK is the
first of its kind in rural banks of India. The impressive story of its inception is interesting
and inspiring for all the youth of this country.
12
13
Company Profile
About Us
Our Profile
Name :
Registered Address :
Floor,
Kapoorthala
Sahara
India
Centre,
2,
226024
Telefax No. :
Call Center No. :
Help Desk No. :
Registered under
0522- 2327560
0522-4008888, 1800-1800-900
9839007777
U.P.Co-Operative
societies Act :
Licence for commencement of banking
from Reserve Bank of India :
Reg. No 3528
Licence No UBD U.P.0011P Dated
30.08.2001
14
VISION
MISSION
15
BOARD CONSTITUTION
Shri. Anil Vikram Singh (Chairman)
Shri.Nand Lal (Director)
Shri. Sadhu Saran (Director)
Shri. Sandeep Das Gupta (Director)
Shri. S.K.Jain (Director)
Shri. Y.N.Saxena (Director)
Shri. Ram Sudhar (Co-Opted Director)
Smt Pratibha Thukral (Co-opted Director)
Smt Leela Singh (Co-opted Director)
Smt Mithlesh Khare (Co-opted Director)
Shri Pushkal Singh (Co-opted director)
Shri D.P.S Rathore (Professional Co-opted Director)
Shri K.C Mishra (Professional Co-opted Director)
16
OUR GROWTH
What started as a small Co-operative Bank way back in August, 2002 in a small one room
office, has today evolved into a respectable Co-operative Bank with a state-of the- art
Head Office and a spread of seven branches and two extension counters in and around
Lucknow city. Today HCBL Co-operative Bank has made its presence felt in the Banking
sector of the region and some of its outstanding features include- a broad base of satisfied
customers, state of the art technology, exemplary customer service, unique concept of ELobby, ATM sharing, internet banking, Banking mall etc. to name a few.
OUR BRANCHES
All our branches are state of art and are equipped with all latest infrastructure and modern
facilities. Presently we have nine setups 7(Seven) Branches and 2(Two) Extension
counters within Uttar Pradesh.
Good Infrastructure:
The first and foremost impression when we go any where is of the ambience and
atmosphere. All our branches are of international feel and equipped with good interiors &
fully air conditioned.
17
Guest Relationship: Generally one can witness the Guest Relationship Concept
in an aviation and hospitality industry. But we have introduced this Guest
Relationship Concept in banking. In our bank we have Guest Relationship
Officers who look after prompt services and provide best quality hospitality to all
our esteemed customer.
18
19
E-lobby:
All our existing and upcoming Branches are equipped with the concept of E-Lobby
which is based in the premise of 24X7 Banking. The Electronic Lobby or E-Lobby is
an attempt of our Bank to provide all the essential electronic banking facilities under one
roof. Some of the essential characteristics of our E-Lobby includes Automated Teller
Machines (ATMs), Coin Dispenser Machine, Cheque Deposit Machine with a scanner to
generate automatic receipts, Pass Book Printing machines, Loan Kiosk, Information
Kiosk and Net Banking Kiosk. These facilities enable customers to avail of the banking
facilities beyond normal business hours, completely in tune with the concept of 24X7
Banking.
Banking Mall:Our Bank has not only restricted its services to core banking but has
widened its canopy of services and is providing complete banking solution to its
customers in the form of Insurance services, Mutual Fund selling, Pan Allotment, NSC
/KVP , Portfolio Management and Tax Consultancy, all under one roof-in the form of
Banking Mall. Our Bank has entered into tie-ups with SBI-Life Insurance & Bharti Axa
General Insurance and provides a wide range of their products. Thus we aim at providing
all the financial solutions to our customers all under one roof.
20
All branches CBS Solution :All our branches are running at Core Banking
Solution thus are enabled to provide Any Where Banking Services to all our
esteemed customers.
RTGS/NEFT Facility: Through our tie-up we give the RTGS and NEFT facility to
our customers by ensuring their fund effect on the same day.
Call Centre: The bank is also having its own Call center and Help Line
No.9839007777operating 24X7.
SMS Banking: Customers can avail facilities like enquiring about their account
balance, last three transactions and requests for cheque book facilities through
SMS.
Internet Banking: Customers can now avail of internet banking facility, as part of
which they can avail of the following features:
-on-line transactions
-check their statements on-line and
-transfer money from one account to the other at the click of a mouse.
21
ATM Sharing: We have a tie-up with Bancs network and thus our bank customer
can withdraw their money from ATM'S of some major banks like Axis Bank and
IDBI Bank.
22
Self Motivated
Self Sufficient
Self Employed
23
Banks Financial Inclusion Model being :Our Bank has also organized various vocational courses and associated Self Help Groups
and are arranging various training programmes on self employment avenues viz. Pickle
making, stitching, chikankari, papad making, cane work, mithai dabba making, thaila
making etc. If the villagers are skilled then we also finance them loans and the credit risk
involved is low. Further, we are also arranging selling points for those people so that they
get the market for their products and generate revenues. The awareness program for the
weaker section of the society, specially women are also conducted by our bank from time
to time to teach them the value of money,importance of education, hygiene, family
planning, child labour etc. and living standards in near future.
villagers
Pickle
Making
womenfolk
24
classes
for
the
Keeping in mind the financial status of the inhabitants of the village, Bank also offers the
facility of opening Savings Account with zero balance. To ensure a bright and safe future
for the children living in villages, the Bank offers unique Children Saving Plan Scheme.
By depositing a nominal amount in this scheme, on a regular basis, the parents can secure
a safe, sound and healthy future for their children in the long run. It is also offering small
loans ranging between Rs.500/- to Rs.10,000/- for making villagers self sufficient and
self employed. Our bank has also launched the HCBL-Asha Pigmy Deposit
Scheme which is a deposit scheme collecting money of small denominations of Rs.20/- to
Rs.5000/- per day through agents, using modern technology of hand held devices.
Villagers depositing money under the Pigmy deposit Scheme of the Bank.
25
MOBILE ATM:
The Mobile ATM Van is an E-Lobby on wheel providing banking facility at your
doorstep. It is equipped with machines like ATM, Coin Dispensor, Internet Kiosk etc. to
fulfil your banking requirements and provide banking in villages a well as in remote and
unbanked areas.
26
HCBL-ASHRAY
We provide housing loan for residential purpose covering construction, addition,
purchase, takeover and renovation of house property, building etc. Finance for purchase
of land is only permissible in case the purchase is for residential use and is constructed
within one year.
HCBL-CASH
27
HCBL-Cash aims at meeting the short term and medium term credit needs of salaried
persons as well as self employed, businessmen and professionals for the following
purposes:
HCBL-CONSUMER
28
The scheme provides for financing of various consumer durables and utility articles like
Two Wheeler, T.V, Refrigerator, Air Conditioner, CD/DVD, Mobile Phone, Washing
Machine, Personal Computers, Furnitures etc.
"HUMARA SAPNA-ZINDAGI KI CHOTI-CHOTI KHUSHIYAN HO AAPKE
SAATH."
HCBL-VIDHYA
We provide Education Loan for financing professional courses like- Engineering,
Medical, Computers (hardware, software), Agriculture, Veterinary, Craft and designing,
Management, Cost Accountant, Chartered Accountant, Company Secretary, Aeronautics,
Marine Engineering etc.
"HUMARA SAPNA-VIDHYA HO HAR VIDHYARTI KA ADHIKAR."
29
30
HCBL SERVICES:
ATM FACILITY
The Bank also provides you ATM card. The card is operative any where in our Banks'
ATM and you can also avail the ATM facility from ATM's of Axis Bank, IDBI Bank,
Bank of India, Bank of Behrain & Kuwait, Saraswat co-op. Bank Ltd., Cosmos Co-op.
Bank Ltd, Greater Co-op. Bank Ltd., Abhyudaya Co-op. Bank Ltd, Union Bank Ltd, Air
Employees Co-op. Bank Ltd, Thana Janta Sahkari Co-op. Bank Ltd, Erankulam Dist. Coop. Bank Ltd, Dombivili Nagri Sahkari Bank Ltd, Punjab & Maharastra Co-op. Bank
Ltd , Shyamrao Vittahal Co-op. Bank Ltd.
MOBILE BANKING
We give you information about your account balance, last three transactions and cheque
book request through SMS.
For Balance confirmation type hcbbal
For last three-transaction type hcbtxn
For cheque book request type hcbchq
Locker Facility
Our Bank offers away your tension of your important things by using the Locker facility.
We are providing you three types of locker facilities according to your need.
LOCKERS:Locker Rent
(A) Big Cities (Metro & Capital)
31
Other Services
32
NEFT transaction will be processed maximum within the next working day
depending on the settlement time.There is no minimum transaction amount for
NEFT transactions.
LOAN FACILITY :
Loan against term deposit is also available up to 90% of amount of deposit and upto 75%
amount in case of third party.
PREMATURE WITHDRAWL:
In case of prematurity you can withdraw money before maturity. Payment of interest will
be at 1% less than the card rate applicable at the time of deposit of money. In case of
prematurity the senior citizen benefit & defence personnel benefit will not be applicable.
33
34
10: Children
A)NOMINATION FACILITY :
The Bank gives you nomination facility where you can nominate any person as your
nominee by filling nomination details in your account opening form. Nomination form
should be filled specifying nomination.
B)MINIMUM AMOUNT:-Rs.50000/C)NO LOCK IN PERIOD
D)PREMATURITY CLAUSE:
1% less than the card rate applicable at the time of making such FDR for the period
deposit remains with bank.
E)PAN/GIR:
Required for deposit in case the amount exceeds Rs.50000/-amount or submit Form
60/61
35
11: Recurring
Deposit
Home
|
Eligibility
|
Special Features
|
Documents
|
Rate Of Interest
1.NOMINATION FACILITY :
The Bank gives you nomination facility where you can nominate any person as your
nominee by filling nomination details in your account opening form. The Passbook at the
face will show NOMINATION REGISTERED' to show position regarding the availment
of this facility.
2.PASS BOOK :
Every customer will be issued Pass Book for Recurring Deposit / RD Lakhpati which will
have details of all case of RD Deposits. Standing instruction for debiting account is being
accepted in this account
3.MINIMUM AMOUNT :
Rs. 100 P.M.
In case of RD Lakhpati : You may become Lakhpati in
36
a) 5 Years by paying `1321/- per month in which you can get `1,00,201/b) 6 Years by paying `1051/- per month in which you can get `1,00,380/4.MINIMUM PERIOD : 12 Months
5.MAXIMUM PERIOD : 96 Months
6.PREMATURE WITHDRAWL :
Prematured withdrawl is available However if withdrawl before maturity following
interest will be applicable :1. Before 6 Months : No interest is allowed
2. After 6 Months: Less 1% interest below the rate applicable for the period the customer
has deposited his or her money at the ROI applicable at the time of such deposit at the
commencement of such scheme.
6.LATE DEPOSIT OF INSTALMENT :
The depositor has to pay the penalty of Rs. 1 per 100 Rs. per month/ monthly for late
deposit.
7.PAN/GIR :
Required for deposit in case the amount exceeds Rs. 50000/LOAN FACILITY :
Loan against deposit is available at the applicable rates up to 90% of the amount of
deposit. The amount due for payment to account holder if equals to Rs.20,000/- shall be
payable by cheque or through account only.
37
12: Pension
Plan
Home
|
Eligibility
|
Rate of Interest
|
Special Features
|
Documents
|
Services
1.NOMINATION FACILITY :
The Bank gives you nomination facility where you can nominate any person as your
nominee by filling nomination details in your account opening form. Nomination form
should be filled specifying nomination.
2.MINIMUM AMOUNT : Rs. 50,000
4.MAXIMUM PERIOD : 10 years (No lock in period)
5.PREMATURE WITHDRAWL :
Prematured withdrawl is available However if withdrawl before maturity following
interest will be applicable :1. Before 6 Months : No interest is allowed
2. After 6 Months: Less 1% interest below the rate applicable for the period the customer
38
has deposited his or her money at the ROI applicable at the time of such deposit at the
commencement of such scheme.
6.LATE DEPOSIT OF INSTALMENT :
The depositor has to pay the penalty of Rs. 1 per 100 Rs. per month/ monthly for late
deposit.
7.PAN/GIR :
Required for deposit in case the amount exceeds Rs. 50000/- or submit Form 60/61
39
ORGANISATION CHART
40
financial analysis
To identify good investment opportunities in HCBL Bank
To know about the company as a whole
To find out the products offered by HCBL Bank
Investments in shares can be a very risky business. However the risk can be minimized
by a proper analysis before taking an investment decision. The project attempts to
perform such an analysis for the banking industry adopting the internationally accepted
norms of investment analysis.
The ultimate function of all economic activities is to produce goods and services to be
consumed by the households. The aggregate demand from the household sector is
influenced by the level of disposable income and its distribution.
RESEARCH METHODOLOGY
41
The procedure adopted for conducting the research requires a lot of attention as it has
direct bearing on accuracy, reliability and adequacy of results obtained. It is due to this
reason that research methodology, which we used at the time of conducting the research,
needs to be elaborated upon. It may be understood as a science of studying how research
is done scientifically. So, the research methodology not only talks about the research
methods but also considers the logic behind the method used in the context of the
research study. Research Methodology is a way to systematically study and solve the
research problems. If a researcher wants to claim his study as a good study, he must
clearly state the methodology adapted in conducting the research the research so that it
way be judged by the reader whether the methodology of work done is sound or not.
Objective of study
Meaning of Research.
Research Problem.
Research Design.
Data Collection method.
Analysis and interpretation of Data
Limitation of study
Meaning of Research:
Research Problem
The first step while conducting research is careful definition of Research Problem. To
ERR IS THE HUMAN is a proverb which indicates that no one is perfect in this world.
Every researcher has to face many problems which conducting any research thats why
43
problem statement is defined to know which type of problems a researcher has to face
while conducting any study. It is said that,
Problem well defined is problem half solved.
Basically, a problem statement refers to some difficulty, which researcher experiences in
the context of either a theoretical or practical situation and wants to obtain the solution
for the same.
The problem statement here is:TO MAKE A BANKING OPERATION IN HCBL Bank.
Research Design
A research designs is the arrangement of conditions for collection and analysis data in a
manner that aims to combine relevance to the research purpose with economy in
procedure. Research Design is the conceptual structure with in which research in
conducted. It constitutes the blueprint for the collection measurement and analysis of
data. Research Design includes and outline of what the researcher will do form writing
the hypothesis and it operational implication to the final analysis of data. A research
design is a framework for the study and is used as guide in collection and analyzing the
data. It is a strategy specifying which approach will be used for gathering and analyzing
the data. It also include the time and cost budget since most studies are done under these
two cost budget since most studies are done under theses tow constraints. The design is
such studies must be rigid and not flexible and most focus attention on the following:-
45
PRIMARY DATA -It is first hand data, which is collected by researcher itself.
Primary data is collected by various approaches so as to get a precise, accurate, realistic
and relevant data. The main tool in gathering primary data was investigation and
observation. It was achieved by a direct approach and observation from the officials of
the company.
46
INTERNET which includes required financial data collected form HCBL Bank.
official website i.e www.hcblbank.com and some other websites on the internet
for the purpose of getting all the required financial data of the bank and to get
detailed knowledge about HCBL Bank. for the convenience of study.
The valuable cooperation extended by staff members and the branch manager of
HCBL bank, contributed a lot to fulfill the requirements in the collection of data
in order to complete the project.
47
LIMITATIONS OF STUDY
Branch manager was reluctant for giving financial data of the bank.
The analysis and interpretation are based on secondary data contained in the
published annual reports of HCBL Bank for the study period.
Ratio itself will not completely show the companys good or bad financial position.
Inter firm comparison was not possible due to the non availability of competitors
data.
The study of financial performance can be only a means to know about the financial
condition of the company and cannot show a through picture of the activities of the
company
48
Percentage (%)
Yes
40
80 %
No
10
20%
20%
Yes
80%
No
INTERPRETATION
80% of Respondents have account with HCBL Bank at Lucknow city.
20% of Respondents dont have account with HCBL Bank at Lucknow
city.
49
Respondents
Percentage (%)
Yes
10 %
No
45
90%
10%
Yes
No
90%
INTERPRETATION
Only 10% of Respondents have heard about the HCBL Bank situated at
Lucknow city.
And 90% of Respondents dont heard about the HCBL Bank situated at
Lucknow city.
50
3. Do you award about the various products and services provided by the HCBL?
Respondents
Percentage (%)
Yes
10
20 %
No
40
80%
20%
Yes
No
80%
INTERPRETATION
80% of Respondents have not award about the various products and
services provided by the HCBL
20% of Respondents heard about the HCBL Bank situated at Lucknow
city.
51
Percentage (%)
Saving A/c
50%
Current A/c
30%
FDRH
10%
RD
10%
10%
10%
50%
30%
Saving A/c
Current A/c
FDRH
RD
INTERPRETATION
Only 10% of respondent there are only 50% are interested in Saving bank
Account and 30% in current Account and 10% each in FDRH & RD
52
Respondents
Percentage (%)
Saving A/c
25
50%
Current A/c
15
30%
FDRH
10
10%
RD
10
10%
10%
10%
50%
30%
Saving A/c
Current A/c
FDRH
RD
INTERPRETATION
Only 10% of respondent there are only 50% are interested in Saving bank
Account and 30% in current Account and 10% each in FDRH & RD
53
Percentage (%)
Profit
40%
Interest Rate
30%
Trust
10%
Customer Dealing
10%
Services
10%
10%
10%
40%
10%
Profit
Interest Rate
Trust
Customer Dealing
30%
Services
INTERPRETATION
40% of Respondents are interested in opening of account for profit
30% of Respondents are interested in opening of account for interest
10% of Respondents are interested in opening of account for Trust ,
Customer Dealing and service purpose
54
Percentage (%)
ATM
50%
Internet Banking
30%
Mobile ATM
20%
Locker
20%
50%
30%
ATM
Internet Banking
Mobile ATM
Locker
INTERPRETATION
50% of Respondents are using ATM services is provided by HCBL.
30% of Respondents are using Interent Banking services is provided by
HCBL
20% of Respondents are using Mobile ATM services is provided by HCBL
None of Respondents are using Locker services is provided by HCBL
55
40%
No
60%
40%
Yes
60%
No
INTERPRETATION
40% of Respondents have satisfied with the products and services.
60% of Respondents have not satisfied with the products and services.
56
SWOT Analysis
Strengths
Only foreign bank which has acquired an Indian private bank (Vysya Bank)
Location
Opportunities
New segment of doctors, students and CAs as they like innovation in their
financial needs and like to enjoy the services.
Threats
Presence of two top private banking players in the market (ICICI & HDFC)
57
Non willingness of Lucknow citizens to change for something new, or to try innovation
in their banking.
RECOMMENDATION
As we have defined the main problem is acquisition and retention of
their customers. So Bank has to find out the solution of this problem.
Bank has to pay more attention towards their customer who are
quitting from the Bank. So Bank has to reduce the churn rate.
1. HCBL bank should open new branches in rural areas.
2. Extra charges should reduce.
3. Staff should be more co-operative than before.
4. They should emphasize on selling their other products like fixed deposit,
insurance policy to their customers.
58
CONCLUSION
On the basis of various techniques applied for the financial analysis of HCBL Bank. we
can arrive at a conclusion that the financial position and overall performance of the bank
is satisfactory. Though the income of the bank has increased over the period but not in the
same pace as of expenses. But the bank has succeeded in maintaining a reasonable
profitability position.
The bank has succeeded in increasing its share capital also which has increased around
50% in the last 5 years. Individuals are the major shareholders. The major achievement of
the bank has been a tremendous increase in its deposits, which has always been its main
objective. Fixed and current deposits have also shown an increasing trend.
Equity shareholders are also enjoying an increasing trend in the return on their capital.
Though current assets and liabilities (current liquidity) of the bank is not so satisfactory
but bank has succeeded in maintaining a stable solvency position over the years. As far as
the ratio of external and internal equity is concerned, it is clear that bank has been using
more amount of external equity in the form of loans and borrowings than owners equity.
Banks investments are also showing an increasing trend. Due to increase in advances,
the interest received by the bank from such advances is proving to be the major source of
income for the bank.
BIBLIOGRAPHY
59
Books
1.
2.
3.
Kothari, C.R., Research Methodology, 2nd Ed., New Delhi, Wishwa Prakashan, A
Division of New Age, International Private Limited.
4.
Pandian Punithaveathy, security analysis and portfolio management, 1st Ed., New
Delhi, Vikas Publishing House Pvt. Ltd.
5.
Magazines / Newspaper
Business World
Business Today
Hindustan Times
Economics Times
www.investmentbank.com
www.invbankers.com
google.com
Websites
QUESTIONNAIRE
60
Name
Designation..
(a)Yes
(b) No
62