Placement Training

7/29/2019 Placement Training

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PLACEMENT TRAINING

REPORT


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REPORT ON PLACEMENT

TRAINING AT

DHANLAXMI BANK

GURUVAYOOR BRANCH

Submitted in partial fulfillment of the

requirement for the award of

BBA (Bachelor of BusinessAdministration)

of Calicut University

SUBMITTED BY :

SHYAMA KAKKAT

ROLL NO: 820871

GTAIBBA168

Under the guidance of

commerce department of

Chinmaya Mission College,Kolazhy.


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CERTIFICATE

This is to certify that , Mis Shyama kakkat is a

bonafide student of the department of commerce & management studies ,

and this report has been prepared by her in partial fulfillment of the

requirement for the award of the degree bachelor of business

administration from the University of Calicut , under my guidance

during the academic year 2008-2011.

C. Radhakrishnan

Lecturer

Place :Erumapetty

Date :


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DECLERATION

I SHYAMA KAKKAT , B B A student of

Chinmaya Mission College , Kolazhy , here by declare that this report is

made by me in accordance with the Placement Training conducted at the

Dhanlaxmi Bank , Guruvayoor Branch . I made this report in addition of

my B.B.A Degree course 2008-2011 of the University of calicut. I also

emphasize that , this report is not been submitted previously by me fully

or partially for the award of any degree or other similar title of any other

University.


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ACKNOWLEDGEMENT

I undertake this oppurtunity to thank

Mr.C. Radhakrishnan lecturer in commerce , Chinmaya Misson College ,

Kolazhy for the valuable suggestions and encouragement to complete the

work.

Above to all my grateful thanks to the

DIRECTOR , SCHOOL OF DISTANCEEDUCATION , CALICUT

UNIVERSITY, for providing an oppurtunity to conduct the training.

Many people have contributed directly and indirectly in bringing outhis

report. I am thankful to all of them for their help and encouragement.

Finally , I am grateful to my family and foremost , thank to god for

helping sucessfully to complete the work.


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INTRODUCTION


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Internet Banking

DBL introduced internet banking in 72 branches in its entire

network Real Time Gross Settlement Scheme (RTGS) & National

Electronic Fund Transfer (NEFT). These systems facilitate larde value

payments and settlements in real time on-line mode on a transaction

basis.

Milestones:

Incorporation : 1927

1st Branch : 1937

Br. o/s Kerala : 1975

SCB status : 1977

100 branches : 1980

Public issue : 1996

1stATM : 2000

Rights issue : 2002


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The distant past

Dependency in Kerala

Banking business

Infrastructure

Employees

Bulk of the business from the SME segment

High NPA level

Low employee base and Higher age of employees

207 branches and 72 ATMs


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The Turning Point

As per RBI guidelines

Net worth of Rs.300 crores

No single shareholder with control in excess of 10%

Decline in holding by the largest shareholder from 37% to 10%

Change in Board of Directors with induction of highly reputed

professionals

Rights issue made in April, 2008 at a price of Rs. 62 per share

Revamp in the top and senior management with emphasis on proven

industry credentials and execution capabilities


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Vision:

Large Profitable A Rated Bank

To be amongst the top 5 Private

Sector

Banks Balancesheet Size

AssetQualityProfits Branch network

LARGE

PROFITABL

E

A RATING


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Mission:

TO BECAME A STRONG AND INNOVATIVE

BANK WITH INTEGRITY AND SOCIAL RESPONSIBILITY

TO MAXIMISE CUSTOMER SATISFACTION AS WELL AS

THAT OF THE EMPLOYEES , SHAREHOLDERS AND THE

COMMUNITY .

Quality Policy:

THE DHANLAXMI BANK LTD WILL STRIVE TO MEET &

EXCEED THE REQUIREMENTS OF THE CUSTOMERS THROUGH

CONTINUAL IMPROVEMENT IN ALL ITS BANKING SERVICES .


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Changing Consumer Demographics

Increasingly affluent, with a bulging middle class

The youngest population in the world

65% of population below 35 years of age

Rising savings rate >30%

Increasing literacy levels

Higher adaptability to technology

Urbanization is a continuing trend

Increasing "consumption" mindset in India


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Channel Initiatives proposed for FY 2011

Addition of about 500 ATMs

Fully functional Corporate Internet Banking

Retail Internet Banking -enhancements

E-tax payments

Two factor authentication

Verified by VISA

Fully functional Customer Contact Center with

IVR, Voice, Email, Chat

Launch of Mobile Banking


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BANK PROFILE

Bank Name : Dhanlaxmi Bank

Founder : Group of 7 employees

Established at : Guruvayoor

Established year : 1976

Manager guruvayur branch : Rajendran A. R

No : of staff (permanent) : 6

Extention counter : 1

Manager name : Govindan v. k

Website : www.dhanbank.com


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FUNCTIONAL DEPARTMENT


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Translate the strategy to operational terms

CUSTOMER PERSPECTIVE

TO ACHIEVE MY VISSON , HOW MUST I LOOKTO MY CUSTOMERS

Customer Perspective

"To SATISFY MY CUSTOMERS , AT WHICHPROCESS MUST I EXCEL

Organization Learning

"To ACHIEVE MY VISION, HOW MUSTMY ORGANISATION LEARN& IMPROVE.

FINANCIAL PERSPECTIVE

IF WE SUCEED HOW WILL WEFACE OUR SHAREHOLDERS

Measurement is

the language that

gives clarity to

vague concepts

Measurement isused to

communicate, not

to control

Strategy can be

described as a

series of cause and

effect relationship

The strategy


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FINDINGS & SUGESTIONS


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CONCLUSION


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BIBLIOGRAPHY

1. Banking theory& practice: K. Venugopal

Abdul Asis.

2.Banking Theory & Practices Shekar K.C.

3.Financial Management Pandey I.M.

4.Banking Theory, Law & Practices Gordon , Natrajan

5. Financial Services M.Y. Khan

REFERENCES:

www.google.com

www.dhanbank.com
http://www.google.com/http://www.google.com/


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Profit and loss account

particulars Q3-FY2010

Q3-FY2009

Y-O-Ygrowth

9m-FY2010

9m-FY200

9

Y-O-Ygrowth

Interest

income 139.8 111.8 25.0% 384.1 293.5 30.9%

Interest

expense 100.6 74.4 35.2% 287.4 200.1 43.6%

Net

interest

income

39.2 37.4 4.8% 96.7 93.4 3.5%

Non

interest

income

16.6 12.1 37.2% 59.1 38.4 53.9%

Operating

expenses 53.0 29.2 81.5% 128.8 81.9 57.3%

Staff cost 30.2 16.6 81.9% 74.4 45.8 62.4%

Provisions 2.7 (4.0)

_

7.0 (1.3)

_

Profit

before tax 0.1 24.3 (99.6)% 20.0 51.2 (60.9)%

Provision

for tax (1.2) 7.4_

2.3 16.0 (85.6)%

Profit

after tax 1.3 16.9 (92.3)% 17.7 35.2 (49.7)%


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Balance sheet Rs. In crores

particulars Dec

31,

2009

Sept

30,

2009

June ,

30

2009

Mar

31,

2009

Dec

31,

2008

Y-O-Ygrowth

Capital 64 64 64 64 64

_

Reserves 378 377 371 360 346 9.3%

Deposits 6,002 5,629 5,070 4,969 4,615 30.1%

Borrowing 299 140 38

_ _ _

Other

Liabilities 406 407 249 250 232 75.1%

TOTAL 7,149 6,618 5,792 5,643 5,256 36.0%

Cash

&Bank

balance

546 678

589 686 965

(43.4)%

Investmen

ts 1,940 1,698 1,523 1,567 1,170 (65.8)%

Advances 4,391 4,002

3,489 3,196 2,939 (49.4)%

Fixedassets

55 48 46 46 44 24.9%

Otherasset 217 192 145 147 138 57.8%

TOTAL 7,149 6,618 ,5,792 5,643 5,256 36.0%


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Placement Training