on environmental factors responsible for idbi's performance

8/12/2019 on environmental factors responsible for idbi's performance

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IDBI BANK LTD.

A Project Report On

A project study on The environmental factors

responsible for IDBI Banks performance

(Positively !e"atively# in $A%&T'

$ubmitted by)

Vikash kumar Mishra

Institute Of Rural Management, Jodhpur

In Partial Fulfillment Of The Requirement For The Award Of Two YearFull Time Post Graduate iploma In !usiness Management"

#$qui%alent To M!A&

'(()*'((+

Project Guide : Mr"Ashish Kumar

IDBI BANK LTD.


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IDBI BANK LTD.

Project Guide :

Ashish Kumar

Institute Of Rural Management, Jodhpur

Certificate

This is to e -ertified that Mr. Vikash Kumar Mishra,student of final

.ear of Post Graduate Dipoma in !usiness Mana"ement from

#nstitute of Rura Mana"ement, $odhpur*ajasthanhas under ta/en

two month final pro0e-t program while doing 0o with #D!# !ank %td.

from 1stof Ma. '((2 to 3(thof June '((2"

4ith the an/ and for the an/ he himself offered the pro0e-t title Willpromotional activities change the perception of consumers towards IDBIbank? While rest all factors are constant in Saket"5, and gi%en his allefforts in spite of he-ti- s-hedule of 0o" 6is -ontriution through thispro0e-t is reall. -ommendale"

ated7 * 3(8(2 8'((2

Pro0e-t 9oordinator7 Mr"Satish Khureja


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IDBI BANK LTD.

Ackno+led"ement

To a-/nowledge all the persons who had helped for the fulfillment of the

pro0e-t is not possile for an. resear-her ut in spite of all that it

e-omes the foremost responsiilit. of the resear-her and also the part of

resear-h ethi-s to a-/nowledge those who had pla.ed a great role for the

-ompletion of the pro0e-t"

:o in the same sequen-e at %er. first, I would li/e to

a-/nowledge m. parents e-ause of whom I got the e;isten-e in the

world for the in-eption and the -on-eption of this pro0e-t"


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IDBI BANK LTD.

Preface

Decision makin" is a fundamental part of the research process'

Decisions re"ardin" that +hat you +ant to do. ho+ you +ant to do.

+hat tools and techni/ues must be used for the successful

completion of the project' In fact it is the researchers efficiency as

a decision maker that makes project fruitful for those +ho concern

to the area of study'

Basically +hen +e are playin" +ith computer in every part of life. I

used it in my project not for the ease of my but for the ease of

result e0planation to those +ho +ill read this project' The project

presents the role of financial system in life of persons'

I had toiled to achieve the "oals desired' Bein" a neophyte in this

hi"hly competitive +orld of business. I had come across several

difficulties to make the objectives a reality' I am presentin" this

hand carved efforts in black and +hite' If any+here somethin" is

found not in tandem to the theme then you are +elcome +ith your

valuable su""estions'


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IDBI BANK LTD.

Table of content

Certificate of the compan&

Ackno'ed"e

Preface

1hapter 2 )3 Introduction) &0ecutive summary of the project

1hapter 4 )3 Industry Introduction IDBI Bank

IndustryIintroduction

IDBI Bank: All About

IndustryBank performance

!orrelation between Industry and IDBI bank"s

movement

1hapter 5 )3*esearch ,ethodolo"y

#b$ective of the study

Scope of the study

%ools & techni'ues used

Applied principles and concepts

Sources of primary and secondary data

Data collection

Statistical analysis


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IDBI BANK LTD.

%heoretical interpretations

6indin"s

1hapter 7 )3 1onclusions and *ecommendations

Appendi0 2) 8uestionnaire

Appendi0 4) *eference material


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IDBI BANK LTD.

Introduction) &0ecutive summary of the project

&0ecutive $ummary

!an/ing Industr. whi-h is asi-all. m. -on-ern industr. around

whi-h m. pro0e-t has to e re%ol%ed is reall. a %er. -omple; industr."

And to wor/ for this was reall. a -omple; and he-ti- tas/ and few times I

felt so frustrated that I thought to left the pro0e-t and go for an. new

industr. and new pro0e-t" 9hallenges whi-h I fa-ed while doing this

pro0e-t were following*

- !an/ing se-tor was quite similar in offering and produ-ts and

e-ause of that it was %er. diffi-ult to dis-riminate etween our

produ-t and produ-ts of the -ompetitors"

- Target -ustomers and respondents were too us. persons that to

get their time and %iew for spe-ifi- questions was %er. diffi-ult"

- :ensiti%it. of the industr. was also a %er. frequent fa-tor whi-h

was %er. important to measure -orre-tl."

- Area -o%ered for the pro0e-t while doing 0o also was %er. large and

it was %er. diffi-ult to -orrelate two different

-ustomers8respondents %iews in a one"

Chapter 1


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IDBI BANK LTD.

- $%er. finan-ial -ustomer has his8her own need and a--ording to

the requirements of the -ustomer produ-t -ustomi=ation was not

possile"

:o ao%e -hallenges some time for-ed me to lea%e the pro0e-t ut an.

how I did m. pro0e-t in all -ir-umstan-es" !asi-all. in this pro0e-t I

anal.=ed that*

4hat fa-tors are reall. responsile for performan-e of I!I !an/>s

performan-e in this -ompetiti%e era"


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IDBI BANK LTD.

1hapter 2

Industry status IDBI Banks interface

Industry introduction

The Indian !an/ing industr., whi-h is go%erned . the !an/ing

Regulation A-t of India, 1?@? -an e roadl. -lassified into two ma0or

-ategories, non*s-heduled an/s and s-heduled an/s" :-heduled an/s

-omprise -ommer-ial an/s and the -o*operati%e an/s" In terms of

ownership, -ommer-ial an/s -an e further grouped into nationali=ed

an/s, the :tate !an/ of India and its group an/s, regional rural an/s

and pri%ate se-tor an/s #the old8 new domesti- and foreign&" These

an/s ha%e o%er 2+,((( ran-hes spread a-ross the -ountr. in e%er. -it.

and %illages of all noo/ and -orners of the land"

The first phase of finan-ial reforms resulted in the nationali=ation of 1@

ma0or an/s in 1?2? and resulted in a shift from 9lass an/ing to Mass

an/ing" This in turn resulted in a signifi-ant growth in the geographi-al

-o%erage of an/s" $%er. an/ had to earmar/ a minimum per-entage of

their loan portfolio to se-tors identified as priorit. se-tors5" The

manufa-turing se-tor also grew during the 1?+(s in prote-ted en%irons

Chapter 2


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IDBI BANK LTD.

and the an/ing se-tor was a -riti-al sour-e" The ne;t wa%e of reforms

saw the nationali=ation of 2 more -ommer-ial an/s in 1?B(" :in-e then

the numer of s-heduled -ommer-ial an/s in-reased four*fold and the

numer of an/ ran-hes in-reased eight*fold" And that was not the

limit of growth"

After the se-ond phase of finan-ial se-tor reforms and lierali=ation of

the se-tor in the earl. nineties, the Puli- :e-tor !an/s #P:!& s found it

e;tremel. diffi-ult to -ompete with the new pri%ate se-tor an/s and the

foreign an/s" The new pri%ate se-tor an/s first made their appearan-e

after the guidelines permitting them were issued in Januar. 1??3" $ight

new pri%ate se-tor an/s are presentl. in operation" These an/s due to

their late start ha%e a--ess to state*of*the*art te-hnolog., whi-h in turn

helps them to sa%e on manpower -osts"

uring the .ear '(((, the :tate !an/ Of India #:!I& and its + asso-iates

a--ounted for a ') per-ent share in deposits and 'B"1 per-ent share in

-redit" The '( nationali=ed an/s a--ounted for )3"' per-ent of the

deposits and @+") per-ent of -redit during the same period" The share of

foreign an/s #numering @'&, regional rural an/s and other s-heduled

-ommer-ial an/s a--ounted for )"+ per-ent, 3"? per-ent and 1'"'

per-ent respe-ti%el. in deposits and B"@1 per-ent, 3"1@ per-ent and


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IDBI BANK LTD.

1'"B) per-ent respe-ti%el. in -redit during the .ear '((("aout the detail

of the -urrent s-enario we will go through the trends in modern e-onom.

of the -ountr."

Current (cenario:

The industr. is -urrentl. in a transition phase" On the one hand, the

P:!s, whi-h are the mainsta. of the Indian !an/ing s.stem are in the

pro-ess of shedding their fla in terms of e;-essi%e manpower, e;-essi%e

non Performing Assets #Cpas& and e;-essi%e go%ernmental equit., while

on the other hand the pri%ate se-tor an/s are -onsolidating themsel%es

through mergers and a-quisitions"

P:!s, whi-h -urrentl. a--ount for more than +B per-ent of total an/ing

industr. assets are saddled with CPAs #a mind*oggling Rs B3( illion in

'(((&, falling re%enues from traditional sour-es, la-/ of modern

te-hnolog. and a massi%e wor/for-e while the new pri%ate se-tor an/s

are forging ahead and rewriting the traditional an/ing usiness model

. wa. of their


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IDBI BANK LTD.

sheer inno%ation and ser%i-e" The P:!s are of -ourse -urrentl. wor/ing

out -hallenging strategies e%en as '( per-ent of their massi%e emplo.ee

strength has dwindled in the wa/e of the su--essful Doluntar.

Retirement :-hemes #DR:& s-hemes"

The pri%ate pla.ers howe%er -annot mat-h the P:!>s great rea-h, great

si=e and a--ess to low -ost deposits" Therefore one of the means for them

to -omat the P:!s has een through the merger and a-quisition #ME A&

route" O%er the last two .ears, the industr. has witnessed se%eral su-h

instan-es" For instan-e, 6F9 !an/>s merger with Times !an/ I-i-i

!an/>s a-quisition of IT9 9lassi-, Anagram Finan-e and !an/ of

Madurai" 9enturion !an/, Indusind !an/, !an/ of Pun0a, D.s.a !an/

are said to e on the loo/out" The TI an/* Gloal Trust !an/ merger

howe%er opened a pandora>s o; and rought aout the reali=ation that

all was not well in the fun-tioning of man. of the pri%ate se-tor an/s"

Pri%ate se-tor !an/s ha%e pioneered internet an/ing, phone an/ing,

an.where an/ing, moile an/ing, deit -ards, Automati- Teller

Ma-hines #ATMs& and -omined %arious other ser%i-es and integrated

them into the mainstream an/ing arena, while the P:!s are still

grappling with disgruntled emplo.ees in the aftermath of su--essful DR:

s-hemes" Also, following India>s -ommitment to the 4 To agreement in


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IDBI BANK LTD.

1?2?*??, while an/ -redit e;panded at a 9agr of 12"3 per-ent per

annum" !an/s> in%estments in go%ernment and other appro%ed se-urities

re-orded a 9agr of 1B"B per-ent per annum during the same period"

In FY(1 the e-onomi- slowdown resulted in a Gross omesti- Produ-t

#GP& growth of onl. 2"( per-ent as against the pre%ious .ear>s 2"@

per-ent" The 4PI Inde; #a measure of inflation& in-reased . +"1 per-ent

as against 3"3 per-ent in FY((" :imilarl., mone. suppl. #M3& grew .

around 12"' per-ent as against 1@"2 per-ent a .ear ago"

The growth in aggregate deposits of the s-heduled -ommer-ial an/s at

1)"@ per-ent in FY(1 per-ent was lower than that of 1?"3 per-ent in the

pre%ious .ear, while the growth in -redit .

:9!s slowed down to 1)"2 per-ent in FY(1 against '3 per-ent a .ear

ago"

The industrial slowdown also affe-ted the earnings of listed an/s" The

net profits of '( listed an/s dropped . 3@"@3 per-ent in the quarter

ended Mar-h '((1" Cet profits grew . @("+) per-ent in the first quarter

of '(((*'((1, ut dropped to @")2 per-ent in the fourth quarter of '(((*

'((1"


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IDBI BANK LTD.

On the 9apital Adequa-. Ratio #9AR& front while most an/s managed to

fulfill the norms, it was a feat a-hie%ed with its own share of diffi-ulties"

The 9AR, whi-h at present is ?"( per-ent, is li/el. to e hi/ed to 1'"(

per-ent . the .ear '((@ ased on the !asle 9ommittee

re-ommendations" An. an/ that wishes to grow its assets needs to also

shore up its -apital at the same time so that its -apital as a per-entage of

the ris/*weighted assets is maintained at the stipulated rate" 4hile the

IPO route was a mu-h*fan-ied one in the earl. H?(s, the -urrent s-enario

doesn>t loo/ too attra-ti%e for an/ ma0ors"

9onsequentl., an/s ha%e een for-ed to e;plore other a%enues to shore

up their -apital ase" 4hile some are wooing foreign partners to add to

the -apital others are emplo.ing the ME A route" Man. are also going in

for right issues at pri-es -onsideral. lower than the mar/et pri-es to

woo the in%estors"

#nterest Rate (cene

The two .ears, post the $ast Asian -rises in 1??+*?B saw a -lim in the

gloal interest rates" It was onl. in the later half of FY(1 that the : Fed

-ut interest rates" India has howe%er


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IDBI BANK LTD.

remained more or less insulated" The past ' .ears in our -ountr. was

-hara-teri=ed . a mounting intention of the Reser%e !an/ Of India #R!I&

to steadil. redu-e interest rates resulting in a narrowing differential

etween gloal and domesti- rates"

The R!I has een affe-ting an/ rate and 9RR -uts at regular inter%als

to impro%e liquidit. and redu-e rates" The onl. e;-eption was in Jul.

'((( when the R!I in-reased the 9ash Reser%e Ratio #9RR& to stem the

fall in the rupee against the dollar" The stead. fall in the interest rates

resulted in squee=ed margins for the an/s in general"

Go)ernmenta Poic&:

After the first phase and se-ond phase of finan-ial reforms, in the 1?B(s

-ommer-ial an/s egan to fun-tion in a highl. regulated en%ironment,

with administered interest rate stru-ture, quantitati%e restri-tions on

-redit flows, high reser%e requirements and reser%ation of a signifi-ant

proportion of lendale resour-es for the priorit. and the go%ernment

se-tors" The restri-ti%e regulator. norms led to the -redit rationing for

the pri%ate se-tor and the interest rate -ontrols led to the unprodu-ti%e

use of -redit and low le%els of in%estment and growth" The resultant


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IDBI BANK LTD.

Hfinan-ial repression> led to de-line in produ-ti%it. and effi-ien-. and

erosion of profitailit. of the an/ing se-tor in general"

This was when the need to de%elop a sound -ommer-ial an/ing s.stem

was felt" This was wor/ed out mainl. with the help of the

re-ommendations of the 9ommittee on the Finan-ial

:.stem #9hairman7 :hri M" Carasimham&, 1??1" The resultant finan-ial

se-tor reforms -alled for interest rate fle;iilit. for an/s, redu-tion in

reser%e requirements, and a numer of stru-tural measures" Interest

rates ha%e thus een steadil. deregulated in the past few .ears with

an/s eing free to fi; their Prime


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IDBI BANK LTD.

depth to the -apital mar/ets the R!I had in Co%emer '((( also

-hanged the -apital mar/et e;posure norms from ) per-ent of an/>s

in-remental deposits of the pre%ious .ear to ) per-ent of the an/>s total

domesti- -redit in the pre%ious .ear" !ut this mo%e did not ha%e the

desired effe-t, as in, while most an/s /ept awa. almost -ompletel. from

the -apital mar/ets, a few pri%ate se-tor an/s went o%eroard and

e;-eeded limits and indulged in duious sto-/ mar/et deals" The

-han-es of seeing an/s ma/ing a -omea-/ to the sto-/ mar/ets are

therefore quite unli/el. in the near future"

The mo%e to in-rease Foreign ire-t In%estment FI limits to @? per-ent

from '( per-ent

during the first quarter of this fis-al -ame as a wel-ome announ-ement

to foreign pla.ers wanting to get a foot hold in the Indian Mar/ets .

in%esting in willing Indian partners who are star%ed of net worth to meet

9AR norms" 9eiling for FII in%estment in -ompanies was also in-reased

from '@"( per-ent to @?"( per-ent and ha%e een in-luded within the

amit of FI in%estment"


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IDBI BANK LTD.

IDBIbank) all about

The e-onomi- de%elopment of an. -ountr. depends on the e;tent to

whi-h its finan-ial s.stem effi-ientl. and effe-ti%el. moili=es and

allo-ates resour-es" There are a numer of an/s and finan-ial

institutions that perform this fun-tion one of them is the de%elopment

an/" e%elopment an/s are unique finan-ial institutions that perform

the spe-ial tas/ of fostering the de%elopment of a nation, generall. not

underta/en . other an/s"

e%elopment an/s are finan-ial agen-ies that pro%ide medium*and

long*term finan-ial assistan-e and a-t as -atal.ti- agents in promoting

alan-ed de%elopment of the -ountr." The. are engaged in promotion

and de%elopment of industr., agri-ulture, and other /e. se-tors" The.

also pro%ide de%elopment ser%i-es that -an aid in the a--elerated growth

of an e-onom."

The o0e-ti%es of de%elopment an/s are7

To ser%e as an agent of de%elopment in %arious se-tors, %i=" industr.,

agri-ulture, and international trade

*o acceerate the "ro'th of the econom&

*o aocate resources to hi"h priorit& areas

*o foster rapid industriai+ation, particuar& in the pri)ate sector,

so as to pro)ide empo&ment opportunities as 'e as hi"her

production


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IDBI BANK LTD.

*o de)eop entrepreneuria skis

*o promote the de)eopment of rura areas

*o finance housin", sma scae industries, infrastructure, and socia

utiities.

In addition, the. are assigned a spe-ial role in7

Planning, promoting, and de%eloping industries to fill the gaps in

industrial se-tor"

9oordinating the wor/ing of institutions engaged in finan-ing, promoting

or de%eloping industries, agri-ulture, or trade, rendering promotional

ser%i-es su-h as dis-o%ering pro0e-t ideas, underta/ing feasiilit.

studies, and pro%iding te-hni-al, finan-ial, and managerial assistan-e for

the implementation of pro0e-ts

#ndustria de)eopment ank of #ndia

The industrial de%elopment an/ of India#I!I& was estalished in 1?2@

. parliament as wholl. owned susidiar. of reser%e an/ of India" In

1?+2, the an/>s ownership was transferred to the go%ernment of India"

It was a--orded the status of prin-ipal finan-ial institution for

-oordinating the wor/ing of institutions at national and state le%els

engaged in finan-ing, promoting, and de%eloping industries"


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IDBI BANK LTD.

I!I has pro%ided assistan-e to de%elopment related pro0e-ts and

-ontriuted to uilding up sustantial -apa-ities in all ma0or industries

in India" I!I has dire-tl. or indire-tl. assisted all -ompanies that are

presentl. re-/oned as ma0or -orporates in the -ountr." It has pla.ed a

dominant role in alan-ed industrial de%elopment"

I!I set up the small industries de%elopment an/ of India #:I!I& as

wholl. owned susidiar. to -ater to spe-ifi- the needs of the small*s-ale

se-tor"

I!I has engineered the de%elopment of -apital mar/et through helping

in setting up of the se-urities e;-hange oard of India#:$!I&, Cational

sto-/ e;-hange of India limited#C:$&, -redit anal.sis and resear-h

limited#9AR$&, sto-/ holding -orporation of India limited#:69I


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IDBI BANK LTD.

preferen-e -apital" This -apital was redeemed in Mar-h '((1, whi-h led

to a redu-tion in go%ernment sta/e" The go%ernment sta/e -urrentl. is

)1 per -ent"

In august '(((, I!I e-ame the first all India finan-ial institution to

otain I:O ?(('7 1??@ -ertifi-ation for its treasur. operations" It also

e-ame the first organi=ation in the Indian finan-ial se-tor to otain I:O

?((17'((( -ertifi-ation for its fore; ser%i-es"

Miestones

$u& -/0::et up under an A-t of Parliament as a wholl.*owned

susidiar. of Reser%e !an/ of India"

1eruar& -2/: Ownership transferred to Go%ernment of India"

esignated Prin-ipal Finan-ial Institution for -o*-oordinating the

wor/ing of institutions at national and :tate le%els engaged in

finan-ing, promoting and de%eloping industr."

March -34:International Finan-e i%ision of I!I transferred to

$;port*Import !an/ of India, estalished as a wholl.*owned

-orporation of Go%ernment of India, under an A-t of Parliament"


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IDBI BANK LTD.

Apri -5::et up :mall Industries e%elopment !an/ of India

#:I!I& under :I!I A-t as a wholl.*owned susidiar. to -ater to

spe-ifi- needs of small*s-ale se-tor" In terms of an amendment to

:I!I A-t in :eptemer '(((, I!I di%ested )1 of its

shareholding in :I!I in fa%our of an/s and other institutions in

the first phase" I!I has susequentl. di%ested +?"13 of its sta/e

in its erstwhile susidiar. to date"

$anuar& -4:A--essed domesti- retail det mar/et for the first

time with inno%ati%e eep is-ount !onds registered path*

rea/ing su--ess"

Decemer -6::et up I!I 9apital Mar/et :er%i-es


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IDBI BANK LTD.

Octoer -0:I!I A-t amended to permit puli- ownership upto

@?"

$u& -7:Made Initial Puli- Offer of $quit. and raised o%er

Rs"'((( -rore, there. redu-ing Go%ernment sta/e to +'"1@"

March 4555:$ntered into a JD agreement with Prin-ipal Finan-ial

Group, :A for parti-ipation in equit. and management of I!I

In%estment Management 9ompan.


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IDBI BANK LTD.

1eurar& 4554: Asso-iated with sele-t an/s8institutions in

setting up Asset Re-onstru-tion 9ompan. #India&


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IDBI BANK LTD.

$u& 4550: The Industrial e%elopment !an/ #Transfer of

nderta/ing and Repeal& A-t '((3 -ame into for-e from Jul. ',

'((@"

$u& 4550: The !oards of I!I and I!I !an/


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IDBI BANK LTD.

(eptemer 4550:Cotifi-ation issued . Ministr. of Finan-e on

:eptemer '?, '((@ for issue of non*interest earing GoI I!I

:pe-ial :e-urit., '('@, aggregating Rs"?((( -rore, of '(*.ear

tenure"

(eptemer 4550: Cotifi-ation for appointed da. as O-toer 1,

'((@, issued . Ministr. of Finan-e on :eptemer '?, '((@"

(eptemer 4550:R!I issues notifi-ation for in-lusion of Industrial

e%elopment !an/ of India


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IDBI BANK LTD.

IDBI Bank Business 1hart

IDBI BANK

INVESTMENTCURRENT ACCOUNTSAVING ACCOUNT

DEVELOPMENT BANK.RETAIL BANKING

CORPORATE SAVINGPERSONAL SAVING


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IDBI BANK LTD.

IDBI Bank 9r"ani:ational 1hart

Chairman

President

Vie !resident

"inane

Vie !resident

Mar#etin$

Vie !resident

O!erati%ns

Vie !resident

&. R.

Di'isi%na( Sa(es

Mana$er

)%na( &ead

Territ%r* In har$e

Re$i%na( &ead


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IDBI BANK LTD.

*esearch ,ethodolo"y

9bjective of the study

Pro0e-t stud. whi-h is eing -ondu-ted . me for the last two month is

not onl. a formalit. for the fulfillment of the two .ear full time Post

Graduate iploma in !usiness Management" !ut eing a management

student and a good emplo.ee I tried m. est to e;tra-t est of the

information a%ailale in the mar/et for the use of so-iet. and people" The

o0e-ti%es ha%e een -lassified . me in this pro0e-t form personal to

professional, ut here I am not dis-losing m. personal o0e-ti%e whi-h

ha%e een a-hie%ed . me while doing the pro0e-t" Onl. professional

o0e-ti%es whi-h are eing -o%ered . me in this pro0e-t are as following*

- To kno+ about environmental factors affectin" IDBI Banks

performance'

- To analy:e the role of advertisement for bank performance'

- To kno+ the perception and conception of customers to+ards

bankin" products and specially focused for IDBI Banks

product'

Chapter 3


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IDBI BANK LTD.

- To e0plore the potential areas for the ne+ bank branches

+hich +ill provide both price and people to the bank +ith

constant promotion and placin" strate"y'

$cope of the $tudy

$a-h and e%er. pro0e-t stud. along with its -ertain o0e-ti%es also ha%e

s-ope for future" And this s-ope in future gi%es to new resear-hes a new

need to resear-h a new pro0e-t with a new s-ope" :-ope of the stud. not

onl. -onsist one or two future usiness plan ut sometime it also gi%es

idea aout a new usiness whi-h e-omes mu-h more profitale for the

resear-hes then the older one"

:-ope of the stud. -ould gi%e the pro0e-ted s-enario for a new

su--essful strateg. with a proper implementation plan" 4hate%er s-ope I

oser%ed in m. pro0e-t are not e;a-tl. ha%ing all the features of the s-ope

whi-h I des-ried ao%e ut also not la-/ing all the features(

- *esearch study could "ive an idea of net+ork e0pansion for

capturin" more market and customer +ith better services

and lo+er cost. +ith out compromisin" +ith /uality'

- In future customer re/uirements could be added +ith the

product and services for "ettin" an ed"e over competitors'

- 1onsumer behavior could also be used for the purpose of

launchin" a ne+ product +ith e0tra benefits +hich are


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IDBI BANK LTD.

re/uired by customers for their account (savin" or current #

and;or for their investments'

- 6actors +hich are responsible for the performance for bank

can also be used for the modification of the strate"y and

product for bein" more profitable'

- 6actors +hich I observed +hile doin" project study are

follo+in"3

1ompetitors

1ustomer Behaviour

Advertisement;promotional activities

Attitude of manpo+er and

&conomic conditions

These all could also be interchan"ed +ith each other for each

other in banks strate"ies for makin" a final business plan to

effect the market +ith a positive +ay +ithout disturbin" a lot

to market. customers and competitors +ith disturbance in

market shares'


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IDBI BANK LTD.

Tools and Techni/ues

As no stud. -ould e su--essfull. -ompleted without proper tools and

te-hniques, same with m. pro0e-t" For the etter presentation and right

e;planation I used tools of statisti-s and -omputer %er. frequentl." And I

am %er. than/ful to all those tools for helping me a lot" !asi- tools whi-h

I used for pro0e-t from statisti-s are*

* !ar Charts

8 Pie charts

8 *aes

ar -harts and pie -harts are reall. useful tools for e%er. resear-h to

show the result in a well -lear, ease and simple wa." !e-ause I used ar

-harts and pie -ahrts in pro0e-t for showing data in a s.stemati- wa., so

it need not ne-essar. for an. oser%er to read all the theoreti-al detail,

simple on seeing the -harts an. od. -ould /now that what is eing said"

*echnoo"ica *oos

Ms8 9ce

Ms8Access

Ms8;ord


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IDBI BANK LTD.

Ao%e appli-ation software of Mi-rosoft helped me a lot in ma/ing pro0e-t

more intera-ti%e and produ-ti%e"

Mi-rosoft*$;-el had a great role in m. pro0e-t, it -reated for me a

situation of .ou sit and get5" I pro%ided it simpl. all the detail of data

and in return it gi%en me all the rele%ant information""

Mi-rosoft*A--ess did the performan-e of m. personal assistant who

organi=es m. all the details of do-ument without disturing them e%en a

single time in all the pro0e-t duration"

And in last Mi-rosoft*4ord did help me for the do-umentation of the

pro0e-t in a presentale form"

Applied Principles and 1oncepts

4hile I started to do the pro0e-t the main thing whi-h was the matter of

-on-ern was that around what prin-iples I ha%e to re%ol%e m. pro0e-t"

!e-ause with out ha%ing an. h.pothesis and o0e-ti%e we -an not

determine that what output or result we are e;pe-ting form the pro0e-t"

And se-ond thing is that ha%ing onl. tools and te-hniques for the

purpose of pro0e-t is not rele%ant until unless we ha%e the prin-ipals for

whi-h we ha%e to use those tools and te-hniques"

Mathematica A)era"es

(tandard De)iation


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IDBI BANK LTD.

Correation

$ources of Primary and $econdary data)

For the purpose of pro0e-t data is %er. mu-h required whi-h wor/s as a

food for pro-ess whi-h will ultimatel. gi%e output in the form of

information" :o efore mentioning the sour-e of data for the pro0e-t I

would li/e to mention that what t.pe of data I ha%e -olle-ted for the

purpose of pro0e-t and what it is e;a-tl."

-. Primar& Data:

Primar. data is asi-all. the li%e data whi-h I -olle-ted on field while

doing -old -alls with the -ustomers and I shown them list of question

for whi-h I had required their responses" In some -ases I got no

response form their side and than on the asis of m. pre%ious

e;perien-es I filled those fields"

(ource: Main sour-e for the primar. data for the pro0e-t was

questionnaires whi-h I got filled . the -ustomers or some times filled

m.self on the asis of dis-ussion with the -ustomers"

4. (econdar& Data:


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IDBI BANK LTD.

:e-ondar. data for the ase of the pro0e-t I -olle-ted from intranet of

the !an/ and from internet, R!I !ulletin, Journal . I9FAI

ni%ersit."

$tatistical Analysis

In this segment I will show my findings in the form of graphs and charts(

All the data which I got form the market will not be disclosed over here

but e)tract of that in the form of information will definitely be here(

Detail)

$i:e of Data ) 4


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IDBI BANK LTD.

Table2) 1orrelation bet+een a+areness of customers about IDBI

bank their A"e


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IDBI BANK LTD.

*A!%9 4: P9RC9P*#O< O1 #D!# A( A !A


39/53

IDBI BANK LTD.

RESPONSES

PRIVATE

PUBLIC

PRIVATE/PUB

LIC

DON'T KNOW PRIVATE

PUBLIC

PRIVATE/PUBLIC

DON'T KNOW

*A!%9 6 : RA*#(*OM9R( 1OR #D!# !A


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IDBI BANK LTD.

*A!%9 0: MARK9* (?AR9( #< (AK9* #< COMPAR#(#O< *O

COMP9*#*OR(

!A


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IDBI BANK LTD.

SBI

IDBI

ICICI

PNB

&DFC&SBC

OT&ERS

0

5

10

15

20

25

30

OF S&ARE

SBI

IDBI

ICICI

PNB

&DFC

&SBC

OT&ERS

*A!%9 7: 1AC*OR( R9(PO


42/53

IDBI BANK LTD.

24#,* BA,/I,0 )

I,5*S%1*,% S!4*1* 1(

,*%W#./ 3

50

5

25

2 5

10

3

0

10

20

30

40

50

60

OF S&ARE

PARAMETERS

PERSENTA

PRODUCT

ADVERTIS$ENT

$ANPOWER

NET-BANKIN#

P&ONE BANKIN#

INVEST$ENT SC&E$E

NETWORK

*A!%9 / : COMPARA*#V9 (*>D= ;#*? MA$OR COMP9*#*OR( O.A,/ ;

+#. B*S% A,D 9 +#. W#.S* #, ; %# 9 S!A7*@

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( ,A1* %4* BA,/ W4I!4 !#1*S I, -#3. 1I,D A% 5*.- +I.S% A,D

W4-?


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IDBI BANK LTD.

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?( D# -#3 %4I,/ IDB IBA,/ IS A SA+* 27A!* +#. -#3. 1#,*-?

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DISA%(

2=( I+ -#3 WI77 4A5* #2%I#, A0AI,*S% IDBI BA,/ -#3 WI77 0#

+#. >

SBI 2,B

I!I!I #%4*.

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869 DA-S BA!/ 6;8 DA-S

BA!/

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DA-S BA!/

;


51/53

IDBI BANK LTD.

27( IDBI BA,/ 7%D( I, SA/*% IS *++*!%I5* B*!A3S*6

(

2( IDBI BA,/ 7%D( IS A 0##D BA,/ +#.6

S*.5I!* 2*#27* B3SI,*SS

2*.S#,S

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4I6%*!4 BA,/ !3S%#1*. +.I*,D7-

#%4*. 27*AS* S2*!I+-@

(


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IDBI BANK LTD.

www(idbibank(com

www(idbibank(com

www(google(com

Appendix 2: Reference Materia


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IDBI BANK LTD.

.(S( Sharma= Business statistics= +irst India 2rint= India= 88C=

Aaker /umar and Day= 1arketing research= th *d(=$ohn willy &

sons=;E(

I!+AI Fournal of Banking

%he *conomics times

%he %imes of India

Documents

on environmental factors responsible for idbi's performance