Upload
hiteshwari-jadeja
View
232
Download
2
Embed Size (px)
Citation preview
8/15/2019 Summer Training MBA
1/47
AREPORT
ON
"STUDY ON ABILITY OF BANKS TO FULFILL PRESENT
AND FUTURE REQUIREMENTS IN TRADE FINANCE OF
SMALL AND MEDIUM SCALE INDUSTRIES ."
PREPARED BY:
STUTI VASAVADA
MBA-1, ALPHA
R.No.3105
A ! !#$ o% !#$&!' %('%&'')*+$ o% MBA o(# *
A$ N.R. I+ $&$($* o% B( &+* M!+! *)*+$
SUBMITTED TO
M#. N**#!/ A)!#+!+&
8/15/2019 Summer Training MBA
2/47
ACKNOWLEDGEMENTS
A$ $ * o($ *$, I o('2 '& * $o *4 #* ) 2** #!$&$(2* $o M#. K& o#* B !$$ %o# !''o &+
)* $o o# (+2*# & (&2!+ *, $ *#*6 , &7&+ )* !+ o o#$(+&$ $o !&+ $#*)*+2o(
+o '*2 * !+2 &'' %#o) & 7! $ *4 *#&*+ * o% 18 *!# &+ 6!+ &+ * $o#.
I !) !' o #!$*%(' $o M#. K. S(6#!)!+&!+ &$ o($ o * *' , (&2!+ *, 7!'(!6'* &+ ($
!+2 o+ $!+$ )o+&$o#&+ , ) '*!#+&+ o('2 !7* 6**+ &+ o) '*$*. A'$ o( I #* *&7*2
#* ('!# &+ ($ %#o) M#. B !$$, &$ ! M#. K. S(6#!)!+&!+ &$ o) I &+$*#! $*2 o+ !
2! -$o-2! 6! & !+2 !7* *+$ )!/o# $*+(#* o% ) $#!&+&+ !+2 !7* !&+*2 ! 'o$ %#o)
& *4 *#&*+ *.
I !) !' o &+ *#*' $ !+ %(' $o ) %! ('$ (&2* , M#. S!$& N! !+2 M#. N**#!/
A)!#+!+& %o# $ * (&2!+ * !+2 7!'(!6'* ( * $&o+ #&o# $o !+2 2(#&+ $ * *+$*
o(# * o% $#!&+&+ .
M ! +o '*2 *)*+$ o('2 6* &+ o) '*$* &% I 2o +o$ *4$*+2 ) &+ *#* $ !+ $o !'' $ *
*4* ($&7* 9 $!%% o% IDBI 6!+ , * * &!'' , M# . M&+& !+2 M#. P!#! S ! %o# $ * *'
!+2 (&2!+ *.
:
8/15/2019 Summer Training MBA
3/47
TABLE OF CONTENTS
Executive Summary………………………………………………………. 4
Introduction………………………………………………………………… 5
About The Organization……………………………………………………6
About The Pro ect…………………………………………………………. !
"a#h $anagement Sy#tem……………………………………………… %6
Survey……………………………………………………………………… &'
Survey O( Indu#try )*ue#tionnaire+…………………………………….. &%
,ie-d or/…………………………………………………………………. &0
An/-e#h1ar 2egion3………………………………………………………. &0,inding# And 2ecommendation#……………………………………….. &
haruch 2egion…………………………………………………………… &!,inding# And 2ecommendation#……………………………………….. 0&
aroda 2egion3……………………………………………………………. 04,inding# And 2ecommendation#……………………………………….. 0
"onc-u#ion…………………………………………………………………. 0!
earning (rom the 7ro ect………………………………………………… 4'
ib-iogra7hy……………………………………………………………….. 4%
3
8/15/2019 Summer Training MBA
4/47
EXECUTIVE SUMMARY
T * #o/* $ ! !&)*2 !$ (+2*# $!+2&+ $ * 7!#&o( $#!2* %&+!+ * &+ $#()*+$ o%%*#*2 6
6!+ $o $ * )!'' !+2 )*2&() !'* &+2( $#&* . A+ !$$*) $ ! !' o )!2* $o *$&+%o#)!$&o+ !6o($ $ * #* *+$ 6!+ &+ *#7& * !7!&'*2 6 $ * &+2( $#&* , $ * %(#$
#*;(*)*+$ !+2 $ * !6&'&$ o% $ * 6!+ $o #o7&2* $ o * *#7& * .
T * (#7* ! (+2*#$! *+ %o#idbi bank , B!#o2! 6#!+ . H*+ *, $ * #* &o+ (##o(+2&+
&$ &.*. B!#o2!, B !#( !+2 A+ '* !# ! o+ &2*#*2. T * o($ o)* o% $ * (#7*
o *2 $ !$ $ * 6!+ &+ #*;(*)*+$ o% $ * )!'' !+2 )*2&() !'* &+2( $#&* !#* 7*#
'&)&$*2 2(* $o & )!/o#&$ o% $ * &+2( $#&* *#* +o$ ! !#* o% $ * 7!#&o( *#7& *
o%%*#*2 6 $ * 6!+ . T & !2 6**+ o6 *#7*2 )!&+' &+ $ * B !#( !+2 A+ '* !#
#* &o+. B($ &$ & !' o ! %! $ $ !$ $ * &+2( $#&* o *2 #*!$ &+$*#* $ &+ $ * !22&$&
*#7& * #o7&2*2 6 6!+ *+ $ * *#* *4 '!&+*2 $ * %(+ $&o+ o% $ * *#7& * .
T * $#!&+&+ ! ! #*!$ '*!#+&+ *4 *#&*+ * #* ('$&+ &+ ! 6*$$*# (+2*# $!+2&+ o% $ *
6!+ &+ * $o#.
8/15/2019 Summer Training MBA
5/47
I NTRODUCTION
B!+ &+ ! 6**+ $ * #& $ !+2 o% !+ 6( &+* &+ * ! 'o+ $&)*. E7*# $&)* ! o) !+
*+$*# &+$o ! )o+*$!# $#!+ ! $&o+ &$ ! ( $o)*#, $ * $#!+ ! $&o+ $! * '! * $ #o( ! 6!+ . M! &$ 6* ! )*+$ o# o''* $&o+ o% )o+* , &$ & $ * 6!+ , & )! * $ * ! )*+$
!+2 #* *& $ *! &*# $ #o( $ * $*) o% o''* $&o+ !+2 ! )*+$ 6 *;(*, 2*)!+2 2#!%$,
6&'' 2& o(+$&+ *$ . T ( , 7!#&o( 6!+ &+ &+ $#()*+$ '& * $ o * )*+$&o+*2 !6o7* !7*
6**+ ! !#$ !+2 !# *' o% &+2( $# o *#!$&o+ .
T * B!+ &+ * $o# ! !&+*2 )o#* &) o#$!+ * &+ $ * #* *+$ *!# . T & & *# !
6* !( * o% $ * %! $ $ !$ 7!#&o( &+2( $#&* !#* o)&+ ( o+ ! &2* !'* !+2 !' o 6* !( *
$ * &+2( $#&* !#* *4 !+2&+ &+ 2&%%*#*+$ !#$ o% $ * o#'2 ! ! !#$ o% 'o6!'&>!$&o
Mo#*o7*#, &$ $ * *+$*#&+ o% $ * #&7!$* * $o# 6!+ &+$o $ * $#!2&$&o+!' 6!+ &+ *
(#7&7!' o% $ * %&$$* $ ! 6* o)* $ * #('*. T * )!&+ !27!+$! * o% $ * #&7!$* * $o# 6!+
!#* $ !$ $ * !7* '!# * !)o(+$ o% %(+2 !+2 $ * 6*'&*7* &+ #o7&2&+ *#7& * 6
** &+ $ * +**2 o% $ * ( $o)*# &+ )&+2. H*+ *, $ * )!&+ !&) & $o #o7&2*
)!4&)() !$& %! $&o+ $o ( $o)*# 6 o%%*#&+ 2&%%*#*+$ $#!2* %&+!+ * &+ $#()*+$
o) *$&$&7* #!$* $o $#*!)'&+* $ * %&+!+ &!' %(+ $&o+ o% $ * &+2( $#&* .
K** &+ $ & o6/* $&7* &+ )&+2, !+ !$$*) $ ! 6**+ )!2* &$ $ * (&2!+ * o%idbi bank
$o $(2 $ * 6!+ &+ #*;(*)*+$ o% $ * )!'' !+2 )*2&() !'* &+2( $#&* &+ $*#) o%
!$ $#!2* %&+!+ * *#7& * $ * !#* #* *+$' !7!&'&+ , !$ !#* $ * !22&$&o+!'
#*;(*)*+$ !+2 !$ 2o* idbi bank o%%*#.
H*#* %o''o ! 2*$!&'*2 #* o#$ o+ $ * !6o7*-)*+$&o+*2 $(2 . T * #* *!# ! o+2( $*2
&+ $ #** #* &o+
• B!#o2!
• B !#(
• A+ '* !#
5
8/15/2019 Summer Training MBA
6/47
ABOUT THE ORANIZATION
IDBI, the tenth largest development bank in the world has promoted
world-class institutions in ndia. A !ew o! such institutions built b" DB
are #he $ational %tock E&change '$%E() #he $ational %ecurities
Depositor" %ervices *td. '$%D*() %tock +olding ,orporation o! ndia
'%+, *( etc. DB is a strategic investor in a plethora o! institutions)
which have revolutioni ed the ndian inancial /arkets. DB promoted
idbi bank to mark the !ormal !ora" o! the DB 0roup into commercial
Banking. #his initiative has blossomed into a ma1or success stor". idbi
bank ) which began with an e2uit" capital base o! Rs.3444 million
'Rs.544 million contributed b" DB and Rs.644 million b" % DB ()
commenced its 7rst branch at ndore in $ovember 3889. #herea!ter in
less than seven "ears the bank has attained a !ront ranking position in
the ndian Banking ndustr".
idbi bank success!ull" completed its public issue in ebruar" 88) which
led to its paid-up capital e&panding to Rs.3 44 million. #he promoters
holding conse2uent to this public issue stood reduced to ;3< with DBholding 9;< and % DB 3 < o! the paid up capital o! DB Bank. #his is
in line with the re2uirement o! RB ) which stipulates that eventuall" the
promoters holding should be brought down to 4. %ubse2uentl") DB as
promoters sought permission to establish a commercial bank and
retained ?P/0 a management consultant o! international repute to
prepare the groundwork !or establishing a commercial Bank. #he
Reserve Bank o! ndia conve"ed it@s in principle approval to establish
idbi bank on ebruar" 33th) 388 . #herea!ter the Bank was
8
8/15/2019 Summer Training MBA
7/47
incorporated at 0walior under ,ompanies Act on 39th o! %eptember
388 with its Registered ce at ndore.
The futureidbi bank looks con7dentl" into the !uture to !ace and thrive in the
intense competitive environment that is emerging. #he bank has now
gained e&perience and has in place the strategies re2uired !or gaining
a leadership position. Cith cutting edge relevant technolog")aggressive marketing) innovation) tight control over costs and with its
motivated work!orce) the bank is all set to emerge as a model global
corporate citi en in the da"s ahead.
Promoters
#he promoters are ndustrial Development Bank o! ndia ' DB ( and
%mall ndustries Development Bank o! ndia '% DB ( . #he 0overnment
o! ndia under an Act o! Parliament) the DB Act 38 ) established DB
in 38 . DB @s role as a catal"st to industrial development has
encompassed a broad spectrum o! activities. % DB ) their second
promoter) was established as a wholl" owned subsidiar" o! DB in 3884
when DB @s port!olio relating to the small industrial sector was
trans!erred to them.
Government business
#he ,entral Board o! Direct #a&es ',BD#( are responsible !or
administering various direct ta&es through the ,ommissioners o!
ncome-ta& located in di erent parts o! the countr". #he
,ommissioners o! ncome-ta& are entrusted with the task o! collection
?
8/15/2019 Summer Training MBA
8/47
as well as re!und o! ncome ta& and ,orporation #a&) etc. under the
ncome-ta& Act) 38 3.
#he bank has received the mandate !rom the ,entral Board o! Direct
#a&es to ,ollect the Direct #a&es through DB bank branches.
Information Te hno!o"#
/odern banking demands banks to be more and more tech-savv" in
order to provide value added services to their clients with cutting edge
technologies.
#he" serve in various aspects such as:
• %o!tware development and implementation - more and more
business processes now rel" upon so!twareFs s"stems• $etwork maintenance and e&pansion - to keep the customers
nline
Risk $ana"ement
Risk management is a ke" element o! the Bank@s business strateg".
denti7cation) awareness) measurement) monitoring and controlling
risk) e cientl" and e ectivel") in a manner geared towards "ieldingsustained economic value) is one o! the highest priorities o! the Bank.
/ission o! the Risk 0roup is to move the Bank up the value chain b"
ensuring sustained 2ualit" growth in and o the balance sheet along
with optimi ing bottom-line compensation to ade2uatel" cover the
various risks embraced b" the Bank and provide accretion to its
capital. n the process) Risk 0roup creates value - tangible and
intangible - !or its stakeholders 'investors) customers) emplo"ees)regulators( - value in the !orm o! a superior balance sheet) ade2uate
li2uidit") health" return on capital) trust and con7dence) knowledge-
backed decision guidance s"stems) etc.
@
8/15/2019 Summer Training MBA
9/47
%igni7cant means have been invested in adapting the bank@s risk
management practices to the rapid development and diversi7cation o!
its activities. #he Risk 0roup is activel" pursuing its ob1ective o!
establishing a high 2ualit" o! risk measurement and management
s"stem. #hese are emplo"ed not onl" to satis!" regulator"
re2uirements) but also to position the Bank ahead o! competition in
adopting cutting-edge practices !ollowed internationall" in the 7eld o!
risk management. B" doing so) the Bank improves its abilit" to detect
earl" warning signals) allowing it to respond speedil" and Ge&ibl" to
prevent an" adverse variations in the Bank@s e2uit" value and
earnings.
#he Risk 0roup believes that risk management is all about wanting to
do business and more so about wanting to remain in business. And in
pursuit o! this enterprise-wide ob1ective) it considers ever" emplo"ee
o! the Bank a Risk /anager.
8/15/2019 Summer Training MBA
10/47
ABOUT THE PRO%E&T
#his pro1ect aims at stud"ing various trade 7nance re2uirements o! the
small and medium scale industries. #hrough this pro1ect an attempt
has been made to get an idea whether the present banking sector is
able to !ul7ll these re2uirements or not. Be!ore going to the
technicalities o! the pro1ect) a brie! description o! the various trade
7nance instruments is given below:
PRODU&T 'EATURE( :
$*A$D B **% '% 0+# H I%A$,E( D %, I$#ED
Bill o! e&change is an instrument in writing containing an unconditional
order) signed b" the maker directing a certain person to pa" a certain
sum o! mone" onl" to or the order o! a certain person or to the bearer
o! the instrument
$*A$D B **% %E$# $ , **E,# $
An inland bill sent outward !or collection is a bill o! e&change H dra!tdrawn pa"able on demand or a certain number o! da"s a!ter sight at
an outstation place and lodged !or collection with the bank. #he
proceeds o! such instruments are credited H remitted to the drawer
a!ter reali ation o! the same.
$*A$D B **% '% 0+#HI%A$,E( $E0 # A#ED I$DER * ##ER%
,RED #
Banks) representing the bene7ciar") can associate with the letters o!
credit in various capacities such as Advising Bank) ,on7rming Bank)
bank nominated !or e ecting settlement under *,) trans!erring bank or
reimbursing bank.
10
8/15/2019 Summer Training MBA
11/47
RE 0$ ,IRRE$,Y B **% '% 0+# H I%A$,E( $E0 # A#ED I$DER
*E##ER% ,RED #
I,P de7nes a documentar" letter o! credit as an" arrangement
whereb" a bank ' ssuing Bank( acting at the re2uest and in accordance
with the instructions o! a customer 'applicant( is to make pa"ment to
or to the order o! a third part" 'bene7ciar"( or is to pa") accept or
negotiate bills o! e&change drawn b" the bene7ciar" or authori es such
pa"ments to be made or such dra!ts to be paid) accepted or negotiated
b" another bank against stipulated documents) provided that the terms
and conditions o! the *, are complied with. Banks) representing the
bene7ciar") can associate with the letters o! credit in various
capacities such as Advising Bank. ,on7rming Bank) bank nominated !or
e ecting settlement under *,) trans!erring bank or reimbursing bank.
RIPEE EJP R# B **% '% 0+# H I%A0E( $E0 # A#ED I$DER *E##ER%
,RED #
I,P de7nes a documentar" letter o! credit as an" arrangement
whereb" a bank ' ssuing Bank( acting at the re2uest and in accordance
with the instructions o! a customer 'applicant( is to make pa"ment toor to the order o! a third part" 'bene7ciar"( or is to pa") accept or
negotiate bills o! e&change drawn b" the bene7ciar" or authori es such
pa"ments to be made or such dra!ts to be paid) accepted or negotiated
b" another bank against stipulated documents) provided that the terms
and conditions o! the *, are complied with.
Banks) representing the bene7ciar") can associate with the letters o!
credit in various capacities such as Advising Bank) ,on7rming Bank.
Bank nominated !or e ecting settlement under *,) trans!erring bank or
reimbursing bank.
11
8/15/2019 Summer Training MBA
12/47
EJP R# B **% %E$# $ , **E,# $
An e&port bill sent outward !or collection is a bill o! e&change H dra!t
drawn pa"able on demand or a certain number o! da"s a!ter sight at
an outstation place and lodged !or collection with the bank. #he
proceeds o! such instruments are credited H remitted to the drawer
a!ter reali ation o! the same.
/P R# *E##ER% ,RED #
I,P de7nes a documentar" letter o! credit as an" arrangement
whereb" a bank ' ssuing Bank( acting at the re2uest and in accordance
with the instructions o! a customer 'applicant( is to make pa"ment to
or to the order o! a third part" 'bene7ciar"( or is to pa". Accept or
negotiate bills o! e&change drawn b" the bene7ciar" or authori es such
pa"ments to be made or such dra!ts to be paid) accepted or negotiatedb" another bank against stipulated documents) provided that the terms
and conditions o! the *, are complied with.
RE 0$ ,IRRE$,Y /P R# B **% RE,E KED $ , **E,# $
An inward H import collection is a sight H usance instrument which ma"
be a promissor" note or a bill o! e&change along with transport
documents 'unless in case o! clean collection( drawn on an ndian
importer and received !or collection b" the bank. Chen an authori ed
dealer 'AD( receives !oreign bills !or collection !rom a correspondent
abroad) the AD acts as an agent !or its !oreign correspondent bank. AD
should be ver" care!ul to ensure that the instructions o! the principal
'!oreign correspondent bank( are adhered to in all respects. #he
1:
8/15/2019 Summer Training MBA
13/47
principal should at all stages be kept in!ormed o! all developments
relating to the particular bill.
RIPEE /P R# B ** RE,E KED $ , **E,# $
An inward H import collection is a sight H usance instrument which ma"
be a promissor" note or a bill o! e&change drawn on an ndian importer
and received !or collection b" the bank. Chen an authori ed dealer
'AD( receives !oreign bills !or collection !rom a correspondent abroad.
#he AD acts as an agent !or its !oreign correspondent bank. AD should
be ver" care!ul to ensure that the instructions o! the principal '!oreign
correspondent bank( are adhered to in all respects. #he principal
should at all stages be kept in!ormed o! all developments relating to
the particular bill.
$*A$D B **% RE,E KD $ , **E,# $An inward inland collection is a sight H usance instrument which ma" be
a promissor" note or a bill o! e&change drawn on a bu"er 'the drawee(
and received !or collection b" the bank. Chen the bank receives inland
bills !or collection !rom a correspondent bank H other branches) the
bank acts as an agent !or its correspondent bank. Bank should be ver"
care!ul to ensure that the instructions o! the principal 'correspondent
bank( are adhered to in all respects. #he principal should at all stages
be kept in!ormed o! all developments relating to the Particular bill.
PRE - %+ P/E$# ,RED # $ RIPEE%
Pre-shipment 7nance is a working capital 7nance e&tended to an
e&porter in anticipation o! his e&porting the underl"ing goods. Basic
13
8/15/2019 Summer Training MBA
14/47
purpose o! e&tending pre-shipment 7nance is to enable the eligible
e&porters to procure raw materials H process H manu!acture H
warehouse H ship the goods meant !or e&ports.
P,* is de7ned as a loan or advance granted or an" other credit
provided b" an institution to an e&porter !or 7nancing purchase o! raw
materials) processing and packing o! the goods) on the basis o! letters
o! credit '*,( opened) in !avour o! the e&porter. B" an importer o!
goods outside ndia or a con7rmed and irrevocable order !or the e&port
o! goods !rom ndia or an" other evidence o! an order !or e&port !rom
ndia having been placed on the e&porters.
PRE%+ P/E$# ,RED # $ RE 0$ ,IRRE$,Y
Pre-shipment 7nance is a) working capital 7nance e&tended to an
e&porter in anticipation o! his e&porting the underl"ing goods. Basic
purpose o! e&tending pre-shipment 7nance is to enable the eligible
e&porters to procure raw materials H process H manu!acture warehouse
3 ship the goods meant !or e&ports.
P, , is de7ned as a loan or advance granted or an" other credit
provided b" an institution to an e&porter which is sel!-li2uidating in
nature and accordingl" e&port bill will have to be discounted to
li2uidate P, , !or 7nancing purchase o! raw materials) processing and
packing o! the goods. n tile basis o! letters o! credit '*,( opened. in
!avour o! the e&porter) b" an importer o! goods outside ndia or a
con7rmed and irrevocable order !or the e&port o! goods !rom ndia or
an" other evidence o! an order !or e&port !rom ndia having been
placed on the e&porters. P, , has been permitted b") RB in order to
help the e&porters to avail o! e&ports credit) at internationall"
competitive rate.
1=
8/15/2019 Summer Training MBA
15/47
BAN) GUARANTEE(
'Both nland and verseas 0uarantees(
Bank guarantee is an undertaking given b" the bank 'the guarantor( at
the re2uest o! a third part" usuall" a customer 'the principal( or a bank
or other part" so re2uested b" the principal 'the instructing part"( to
another part" 'the bene7ciar"( whereb" the guarantor undertakes - in
the event o! de!ault b" the principal in the !ul7llment o! his obligations
to make the pa"ment to the bene7ciar" within the limits o! a stated
sum o! mone".
As per the ndian ,ontract Act) 0uarantee is a contract to per!orm the
promise or discharge the liabilit" o! a third person in case o! his
de!ault. 0uarantee is a collateral contract to answer !or the de!ault o!
another person and thus is ancillar" or subsidiar" to another contract.
15
8/15/2019 Summer Training MBA
16/47
B ? $0 A RCARD , $#RA,#
orward contract is a contract !or purchase !rom or sale to a customer
o! a !oreign currenc" amount at a speci7c rate o! e&change to he
delivered at a mutuall" agreed date or during a mutuall" agreed
period.
A,I B **% PIR,+A%ED I$DER *E##ER ,RED #
I,P de7nes a documentar" letter o! credit as an" arrangement
whereb" a bank ' ssuing Bank( acting at the re2uest and in accordance
with the instructions o! a customer 'applicant( is to make pa"ment to
or to the order o! a third part" 'bene7ciar"( or is to pa". accept or
negotiate bills o! e&change drawn b" the bene7ciar") or authori es
such pa"ments to he made or such dra!ts to be paid) accepted or
negotiated b" another bank against stipulated documents) provided
that the terms and conditions o! the *, are complied with.
Banks) representing the bene7ciar" can associate with the letters o!
credit in various capacities such as Advising Bank. ,on7rming Bank)
bank nominated !or e ecting settlement under *.,. trans!erring bankor reimbursing bank.
'OREIGN &URREN&* AND RUPEE BI++( (ENT 'OR &O++E&TION
UNDER +ETTER( O' &REDIT
I,P de7nes a documentar" letter o! credit as an" arrangement
whereb" a bank ' ssuing Bank( acting at the re2uest and in accordance
with the instructions o! a customer 'applicant( is to make pa"ment to
or to the order o! a third part" 'bene7ciar"( or is to pa") accept or
negotiate bills o! e&change drawn b" the bene7ciar" or authori es such
pa"ments to be made or such dra!ts to be paid) accepted or negotiated
b" another bank against stipulated documents provided that the terms
and conditions o! the *, are complied with.
18
8/15/2019 Summer Training MBA
17/47
Banks) representing the bene7ciar") can associate with the letters o!
credit in various capacities such as Advising Bank) ,on7rming Bank.
Bank nominated !or e ecting settlement under *,. #rans!erring bank or
reimbursing bank.
$*A$D B **% %E$# R , **E,# $ I$DER *E##R% ,RED #
Banks) representing the bene7ciar") can associate with the letters o!
credit in various capacities such as Advising Bank. ,on7rming Bank.
Bank nominated !or e ecting settlement under *,) trans!erring bank or
reimbursing bank.
RE 0$ ,IRRE$,Y B **%) A,I B **% A$D L RIPEE EJP R# B **%
PIR,+A%ED $ # I$DER *,
This ro-u t om rises of t.o -istin t sta"es/
n the 7rst stage) the bank receives the e&port documents. #he bank
reviews the e&port documents and the availabilit" o! credit limit to the
drawer to purchase the e&port documents. nce the ade2uac" o! credit
limit is established) the bank purchases the documents !rom the
drawer and credits the drawer@s account with the appropriate amount.
#he second stage pertains to !orwarding the documents !or collection
to the collecting bank abroad. n reali ation o! e&port bill proceeds the
1?
8/15/2019 Summer Training MBA
18/47
transaction is closed !orever. ! the purchased bill is returned then the
amount is recovered !rom the drawer.
1@
8/15/2019 Summer Training MBA
19/47
CASH MANAGEMENT SYSTEM
C! )!+! *)*+$ $*) #*%*# $o $ * ! !+2 )*!+ o% o+ *#7&+ ! . Fo# $ &
(# o * &$ & &) o#$!+$ $o (+2*# $!+2 !$ %'o!$ )*!+ .
T * ! 6!'!+ * o + 6 ! %) o+ &$ 6oo & !''*2 $ * 6oo 6!'!+ * *#*! $ *
6!'!+ * o + &+ &$ 6!+ ! o(+$ & !''*2 $ * o''* $*2 6!'!+ *. T * 2&%%*#*+ * 6*$ **+
$ * $ o !6o7*-)*+$&o+*2 6!'!+ * & !''*2 float . A !&+ $ *#* !#* $ o $ * o% %'o!$
D& 6(# *)*+$ %'o!$ !+2 o''* $&o+ %'o!$. C *;(* & (*2 6 ! %) #*!$* 2& 6(# *)*+$
%'o!$. O+ $ * o$ *# !+2 *;(* #* *&7*2 6 ! %) '*!2 $o o''* $&o+ %'o!$. T * +*$ %'o!$
& $ * () o% 2& 6(# *)*+$ %'o!$ !+2 o''* $&o+ %'o!$. I$ & &) ' $ * 2&%%*#*+ * 6*$ **+
$ * %) !7!&'!6'* 6!'!+ * !+2 &$ 6oo 6!'!+ *. S&+ *, !$ )!$$*# & $ * !7!&'!6'*
6!'!+ *, !+ !$$*) $ & )!2* $o )!4&)&>* +*$ %'o!$. T & )*!+ ! %) o('2 $#&7* $o
**2 ( o''* $&o+ !+2 2*'! 2& 6(# *)*+$ .
SPEEDING UP COLLECTIONS:
T * o''* $&o+ $&)* o) #& * )!&'&+ $&)*, *;(* #o * &+ 2*'! , !+2 $ * 6!+
!7!&'!6&'&$ 2*'! . < *+ ! o) !+ #* *&7* ! )*+$ $ #o( *;(* $ !$ !##&7* 6
)!&', !'' $ * $ #** o) o+*+$ o% o''* $&o+ $&)* !#* #*'*7!+$. To **2 ( o''* $&o+,o) !+&* o%$*+ ( * 'o 6o4* !+2 o+ *+$#!$&o+ 6!+ &+ & !#* * *+$&!'' $*)
%o# *4 *2&$&o( 2* *+$#!'&>*2 o''* $&o+.
LOCK BO ES
U+2*# ! 'o 6o4 $*), ( $o)*# !#* !27& *2 $o )!&' $ * ! )*+$ $o * &!' o $
o%%& * 6o4* !''*2 'o 6o4* , & !#* !$$*+2*2 $o 6 'o !' o''* $&+ 6!+ , &+ $*!2 o%
*+2&+ $ *) $o o# o#!$* *!2;(!#$*# . T * 'o !' 6!+ o''* $ $ * *;(* %#o) $ *
'o 6o4 o+ * o# )o#* ! 2! , 2* o &$ $ * *;(* 2* $' &+$o $ * 'o !' 6!+ ! o(+$ o%
$ * %), !+2 %(#+& * 2*$!&' $o $ * %).
T ( $ * 'o 6o4 $*) ($ 2o + $ * )!&'&+ $&)*, #*2( * #o * &+ $&)* !+2
o#$*+ $ * !7!&'!6&'&$ 2*'! 6* !( * $ * *;(* !#* $ & !'' 2#! + o+ 'o !' 6!+ .
1
8/15/2019 Summer Training MBA
20/47
CONCENTRATION BANKIN
I+ $ & $*), $ * o) !+ ! &$ ( $o)*# &+ ! !#$& ('!# !#*! $o *+2 ! )*+$ $o !
'o !' 6#!+ o%%& * #!$ *# $ !+ $o $ * o# o#!$* *!2;(!#$*# . T * *;(* #* *&7*2 6
'o !' 6#!+ o%%& * !#* 2* o &$*2 %o# o''* $&o+ &+$o ! 'o !' 6!+ ! o(+$. &+ 2& 6(# *)*+$ %'o!$ & ! ;(* $&o+!6'* #! $& *, ! %) !+ $&'' o+ *#7* &$ ! #* o(# * 6 #o *#' o+$#o''&+ &$ ! )*+$
T * %o''o &+ )! 6* 2o+* &+ $ & #* * $
• E+ (#* $ !$ ! )*+$ !#* )!2* o+' *+ $ * %!'' 2(* !+2 +o$ *!#'
• C*+$#!'&>* 2& 6(# *)*+$ . T & *' &+ o+ o'&2!$&+ %(+2 !$ $ * *!2 o%%&
*2('&+ ! )*+$ )o#* *%%* $&7*' , #*2( &+ (+ #o2( $&7* ! 6!'!+ * !$
#* &o+!' 'o !' o%%& * , !+2 &+7* $&+ %(+2 )o#* #o2( $&7*' .• A##!+ * &$ ( '&*# $o *$ $ * 2(* 2!$* o% $ * 6&'' $o )!$ &$ o) !+
#* *& $ . S + #o+&>!$&o+ o% ! o($%'o &$ ! &+%'o *' ! o) !+ $o *$
#*!$*# )&'*! * %#o) &$ ! #* o(# * .
OPTIONS FOR INVESTING SURPLUS FUNDS
Co) !+&* o%$*+ !7* (# '( %(+2 %o# o#$ *#&o2 o% $&)* 6*%o#* $ * !#* #*;(*2 %o#
! &$!' *4 *+2&$(#* , 'o!+ #* ! )*+$ , o# o)* o$ *# (# o *. T * * %(+2 )! 6*
2* 'o *2 &+ ! 7!#&*$ o% ! . A$ o+* *+2 o% $ * * $#() & $ * $*#) 2* o &$ G$o 6* )!2*
%#o ! )&+&)() *#&o2 o% 15 2! &+ ! 6!+ , !$ $ * o$ *# *+2 o% $ * * $#() & $ *
&+7* $)*+$ &+ *;(&$ !#* , & !+ #o2( * & ' 7o'!$&'* #*$(#+ . I+ 6*$ **+ '&*
*7*#!' !7*+(* '& * (+&$ , (6'& * $o# 6o+2 , $#*! (# 6&'' , &+$*#- o# o#!$* 2* o &$ ,
!+2 6&'' 2& o(+$&+ .
:0
8/15/2019 Summer Training MBA
21/47
Fo''o &+ !#* o)* o $&o+ $ #o( & %) *+*#!'' 2* 'o (# '( %(+2 .
Te ! "e#o$%t$ &%t' (a)*$:
B!+ ! * $ $*#) 2* o &$ %o# *#&o2 #!+ &+ %#o) 15 2! $o 5 *!# . T * &+$*#* $ #!$*
o+ $*#) 2* o &$ 7!#&* (##*+$' %#o) 5 *# *+$ [email protected] *# *+$ *# !++(). T * &+$*#* $
#!$* #& * !# ' ! $ * *#&o2 o% 2* o &$ &+ #*! * %#o) 30 2! $o 1- *!# 2* o &$.
M+t+al F+)" S,'e!e$:
A 7!#&*$ o% *)* !#* o%%*#*2 6 )($(!' %(+2 . B! *2 o+ $ * &+7* $)*+$ o'& , $ *
)($(!' %(+2 *)* )! 6* 6#o!2' '! &%&*2 ! %o''o
Equity schemes $ * o# ( o% !+ *;(&$ *)* & &+7* $*2 (6 $!+$&!'' G@0- 5 &+
*;(&$ o# *;(&$ #*'!$*2 &+ $#()*+$ . T * 6!'!+ * )! 6* &+ 2*6$ &+ $#()*+$ . Balanced schemes A 6!'!+ *2 *)*, ! &$ +!)* ( * $ , &+7* $ &$ o# ( ! #o
$ o 6#o!2 ! *$ '! * , &.*. *;(&$ !+2 2*6$ &+ ! )o#* o# '* 6!'!+ *2 )!++*#.
Debt schemes A 2*6$ *)* &+7* $ &$ o# ( #&)!#&' &+ 2*6$ &+ $#()*+$ . So)* 2*6$
*)* )! !7* ! )!'' *4 o (#* $o *;(&$&* .
Fo# &+7* $&+ o#$ $*#) (# '( * *# ! $ * )o $ o ('!# *)* !#* 2*6$ *)*
6* !( * o% $ * 'o o# +&' *4 o (#* $o *;(&$&* .
Rea"- fo &a "$:
A o))*# &!' 6!+ o# o)* o$ *# o# !+&>!$&o+ )! 2o ! #*!2 %o# !#2 2*!' &$ !
o) !+ &+$*#* $*2 &+ 2* 'o &+ (# '( %(+2 o+ ! o#$-$*#) 6! & . U+2*# $ &
!##!+ *)*+$, $ * 6!+ *'' !+2 #* (# ! * $ * !)* * (#&$&* !$ #& * 2*$*#)&+*2
6*%o#* !+2. H*+ *, $ * +!)* J#*!2 %o# !#2 . R*!2 %o# !#2 !#* *#)&$$*2 o+' &+
*#$!&+ * (#&$&* . T * o) !+ *!#+ ! #*$(#+ &+ $ * %o#) o% ! #& * 2&%%*#*+ * !+2 +o$ &
$ * %o#) o% !+ &+$*#* $ &+ o)*.
:1
8/15/2019 Summer Training MBA
22/47
T ea$+ - (%ll$:
T#*! (# 6&'' #* #* *+$ o#$-$*#) o6'& !$&o+ o% $ * o7*#+)*+$, & !7* )!$(#&$&*
'& * 1 2! , 1@: 2! !+2 38= 2! . T * 2o +o$ !## !+ *4 '& &$ &+$*#* $ #!$*. T * !#*
&+ $*!2 o'2 !$ ! 2& o(+$ !+2 #*2**)*2 !$ !# 7!'(*. H*+ * $ * &) '& &$ &+$*#* $ #!$* & !
%(+ $&o+ o% $ * &>* o% $ * 2& o(+$ !+2 $ * *#&o2 o% )!$(#&$ .
Co!!e ,%al #a#e :
Co))*# &!' ! *# #* #* *+$ o#$ $*#) (+ * (#*2 #o)& o# +o$* & (*2 6 %) $ !$
!#* *+*#!'' o+ &2*#*2 %&+!+ &!'' $#o+ . Co))*# &!' ! *# ( (!'' ! ! )!$(#&$
*#&o2 o% 0 o# 1@0 2! . I$ & o'2 !$ ! 2& o(+$ !+2 #*2**)*2 !$ !#. H*+ * $ * &) '& &$
#!$* & ! %(+ $&o+ o% $ * &>* o% 2& o(+$ !+2 $ * *#&o2 o% )!$(#&$ . Co))*# &!' ! *# &
*&$ *# 2* $' '! *2 &$ &+7* $o# o# o'2 $ #o( 2*!'*# . Co))*# &!' ! *# 2o* +o$ #* *+$' !7* ! *''-2*7*'o *2 * o+2!# )!# *$ &+ I+2&!.
I)te .Co #o ate De#o$%t$:
A 2* o &$ )!2* 6 o+* o) !+ &$ !+o$ *# +o#)!'' %#o ! *#&o2 o% ( $o &4 )o+$
& #*%*##*2 $o ! &+$*#- o# o#!$* 2* o &$. S( 2* o &$ !#* ( (!'' o% $ #** $ *
• Call Deposits I+ $ *o# , ! !'' 2* o &$ & &$ 2#! !6'* 6 $ * '*+2*# o+ &7&+ !
2! +o$& *. I+ #! $& *, o *7*#, $ * '*+2*# ! $o !&$ %o# !$ '*! $ $ #** 2! .• Three month Deposits Mo#* o ('!# &+ #! $& *, $ * * 2* o &$ !#* $! *+ 6
6o##o *# $o $&2* o7*# ! o#$-$*#) ! &+!2*;(! .
• Six month Deposits No#)!'' , '*+2&+ o) !+&* 2o +o$ *4$*+2 2* o &$ 6* o+2
$ & $&)* %#!)*. S( 2* o &$ !#* ( (!'' )!2* &$ % $ '! 6o##o *# .
::
8/15/2019 Summer Training MBA
23/47
SURVEY
PURPOSE:
• To $(2 $ * 6!+ &+ #*;(*)*+$ G* * &!'' $#!2* %&+!+ * &+ $#()*+$ !+2
!22&$&o+!' *#7& * o% $ * )!'' !+2 )*2&() !'* &+2( $#&* .
• To +o $ * *#7& * !7!&'*2 6 $ * o) !+&* %#o) $ * #* *+$ 6!+ .
• To ! * $ * %(#$ *# #*;(*)*+$ %#o) $ * 6!+ .
• To %&+2 o($ $ * '*7*' o% !$& %! $&o+ %#o) $ * #* *+$ 6!+ .
METHODOLOGY:
•
P e#a at%o) of /+e$t%o))a% e: A%$*# !7&+ ! *!'$ 2& ( &o+ &$ o(# #o/* $(&2* M#. K. (6#!)!+&!+ !+2 M#. P!#! S ! * #* !#*2 $ * ;(* $&o++!*. T *
o o% $ * !)* & !$$! *2 o+ $ * +*4$ ! *.
• Data(a$e ,olle,t%o): T * &+2( $#&* &+7o'7*2 &+ *4 o#$ !+2 &) o#$ %o#)*2 $ *
2!$!6! * o% &+2( $#&* $o 6* (#7* *2. I$ & o#$ )*+$&o+&+ *#* $ !$ $ o( $ *
&+2( $#&* &+7o'7*2 &+ *4 o#$ !+2 &) o#$ *#* o+ &2*#*2, )!+ o) !+&* *#*
2& o7*#*2 2(#&+ $ * (#7* & !2 $ * *4 o#$ !+2 &) o#$ '& *+ * 6($ *#*
+o$ o+2( $&+ *4 o#$ o# &) o#$.
• Sele,t%o) of a ea: T * #* &o+ %o# o+2( $&+ $ * (#7* ! *'* $*2 o+ $ * 6! &
o% #o4&)&$ o% $ *idbi bank 6#!+ B!#o2!. T ( , $ #** #* &o+ *#* *'* $*2
1. IDC M! !# (#!
:. IDC B !#(
3. IDC A+ '* !#
:3
8/15/2019 Summer Training MBA
24/47
0UESTIONNAIRE FORMAT
1.N!)* o% $ * Co) !+ ......................................................................................................:.N!)* o% $ * o+ *#+ *# o+ 2* & +!$&o+ .........................................................................
3.A22#* ..............................................................................................................................
P . No. ....................... F!4 No. .................... E-)!&' ID ...................................... ...
=. N!$(#* o% B( &+* ...........................................................................................................
5.T * o% O# !+&>!$&o+
F'!$ G T#!2&$&o+!' G
8.T(#+o7*# o% Co) !+ ............................
?.T * O% B( &+*
C#*2&$ G No+-C#*2&$ G
@.I% o+ $ * #*2&$ 6! & , $ * o% #*2&$ ........................................................................
S* )*+$!$&o+
I+'!+2 G I% Y* LCBD G CBD G O$ *# ....................
Fo#*& + G I% Y* LC G No+ LC G O$ *# ....................
.I $ * o) !+ & &+ E4 o#$ I) o#$ B( &+* Y* G No G
I% Y* ,! Vo'()* o% E4 o#$ I) o#$
E4 o#$ ..........................
I) o#$ ..........................
C(##*+ &*
USD G EUR G BP G PY G AUD G CAD G CHF G
6 < & o% $ * %o''o &+ H*2 &+ $oo' Co) !+ ( * $o *2 * $ * #& !#& &+ o($
O% %o#*& + (##*+ *4 o (#*.
Fo# !#2 Co+$#! $ G O $&o+ G No+* G
:=
8/15/2019 Summer Training MBA
25/47
10.P#* *+$ B!+ *# o% Co) !+ #o(
P(6'& S* $o# B!+ G P#&7!$* S* $o# B!+ G
1 .................................................... 1 ................................................
: .................................................... : ................................................
3 .................................................... 3 ................................................
= .................................................... = ................................................
11.A#* o( !$& %&*2 &$ $ * *#7& * o% o(# #* *+$ 6!+ *# Y* G No G
1:.< !$ !#* $ * !22&$&o+!' *#7& * o( *4 * $ %#o) o(# #* *+$ 6!+ *#
1 ......................................................
: ......................................................
3 ...................................................... = ......................................................
13.H!+2'&+ O% F&+!+ *
Lo !' L*7*' G M()6!& G O$ *# ..................................
1=. Y*!#' o($ o o+ ! o(+$ o%
D* $ T!4* R . ........................ L! . (/!#!$ S!'* T!4 R . ........................ L! .
15. A#* o( ! !#* o% $ * IDBI B!+ S*#7& * , & &+ '(2*
•
C(##*+$ A o(+$ 9 D* o &$ .• Co''* $&o+ 9 2& 6(# *)*+$ So'($&o+
• O($ $!$&o+ C *;(* o''* $&o+.
• D&7&2*+2 I+$*#* $ ! )*+$ So'($&o+ .
• Co# o#!$* P! #o'' A o(+$
• B(' C *;(* #&+$&+ . Y* G No G
• D*6$ *#7& &+ Y* G No G
• *-6!+ &+ So'($&o+
• O+'&+* ! o(+$ $!$( I+%o#)!$&o+
• A o(+$ $!$*)*+$ $ #o( *-)!&'. Y* G No G
o7*#+)*+$ B( &+*
• D* $ T!4* GCBDT
:5
8/15/2019 Summer Training MBA
26/47
• (/!#!$ S$!$* T!4* . Y* G No G
FIELD WORK
ANKLESHWAR REGION:A+ '* !# #* &o+ ! ! 6*'$ o% &2* 7!#&*$ !+2 7!#&*2 &>* o% &+2( $#&* . Fo# $ *
)!# *$ (#7* (# o * * #* $#& $*2 $o $ * (#7* o% &+2( $#&* &+ & $ * !+2'&+ o%
%&+!+ * ! 2o+* !$ $ * 'o !' '*7*'. I+ $ * * &%&*2 $&)* * o('2 (#7* 3 &+2( $#&* ,
& )!&+' &+ '(2*2 $ o * )!+(%! $(#&+ *)& !' , o'o(#, *)& !' (' , )! &+*#
*$ . T * o7*# !'' )!# *$ !+!' & o% A+ '* !# #* &o+ o+ $ * 6! & o% $ * ;(* $&o++!* &
&7*+ 6*'o
I+ A+ '* !# )!/o#&$ o% $ * o) !+&*
!#* )!'' !+2 )*2&() !'*. M!+
o) !+&* !#* !7&+ $(#+o7*# 6*$ **+ 1-:
#o#*. T * o) !+&* !7&+ $(#+o7*#
!6o7* 10 #o#* !#* L( &+, S(+ P !#)!,
A)!' L$2, E'!) P !#)! *$ .
TURNOVER OF THE COMPANIES
689
%49
5%9
%9
&9
%'9
%:&"rore
&:4"rore
4:6"rore
6:8"rore
8:%'"rore
Above %'
M!/o#&$ o% $ * %) &+ A+ '* !# !#*!
!#* o'* #o #&*$o# !+2 !#$+*# & . O($ o%
$ * 3 Co) !+&* 7& &$*2, @1 o) !+&*
!7* ! o'& o% &7&+ #*2&$ $o $ *
( $o)*# . T & & )!&+' 6* !( * )o $ o%
$ * %) !#* ;(&$* o'2 !+2 !7* 2*7*'o *2
( #*'!$&o+ &$ $ * ( $o)*# .
TYPE OF BUSINESS
8%
%&
"2E;IT
8/15/2019 Summer Training MBA
27/47
M!/o#&$ o% $ * #*2&$ & *4$*+2*2 $o $ *
( $o)*# o+ $ * 6! & o% #*'!$&o+. T & &
6* !( * o% $ * !6o7*-)*+$&o+*2 %! $. I$ !
6**+ o6 *#7*2 $ !$ ! !#$ %#o) #*'!$&o+,
#&o#&$ & !' o &7*+ $o 30 2! , 80 2!
!+2 #*2&$ $ #o( LC. Co. )% . *!7
)! &+* !+2 $oo' $! * !27. ! )*+$
*+*#!'' $ & & $o !7o&2 #*/* $&o+ o% o#2*#
!$ ! '!$*# $! * !+2 $o !7* *+o( )o+*
%o# (# ! &+ &+7*+$o#&* .
TYPE OF CREDIT
0. '9
55.569%0.589
%&.059
&.% 9%.&09%%.%%9
Advance2e-ation0' ;ay#6' ;ay#!' ;ay#%&' ;ay#
"
M!/o#&$ o% $ * o) !+&* &+ A+ '* !#
!#* &+7o'7*2 &+ )*# !+$ *4 o#$. T & &
6* !( * $ *#* !#* )!+ o) !+&*
)!+(%! $(#&+ &)&'!# #o2( $ , 2(* $o
& $ * o) !+&* #*%*# $o *'' $ *
#o2( $ &+ 6(' $ #o( )*# !+$
*4 o#$*# . T * o) !+&* &+7o'7*2 &+ *4 o#$
6( &+* !#* )!+(%! $(#*# o% o'o(#
& )*+$ !+2 *)& !' .
Type of Business
0'.%'9
0.&49
4!.469
%%.8095.089
On-y Ex7ortOn-y Im7ort$erchant ex7ortEx7ort:Im7ortOn-y ;ome#tic
:?
8/15/2019 Summer Training MBA
28/47
M!/o#&$ o% $ * o) !+&* !#* !7&+
P(6'& * $o# 6!+ ! $ * 6!+ *#. T *
#*! o+ 6* &+2 $ & & $ * !7* 2*7*'o *2
'o+ -$*#) #*'!$&o+ &$ $ * 6!+
!+2 #o4&)&$ o% $ * 6!+ . T *
o) !+&* ( &+ #&7!$* * $o# 6!+ !#*
*+*#!'' $ o * o) !+&* o !7* $ *
*!2 o%%& * &+ M()6!& o# !+ o$ *# )*$#o
&$ .
Present Ban
569
%&9
0&9
On-y Pub-icOn-y Private
oth Sector#
@? o% $ * o) !+&* !#* !$& %&*2 &$$ * #* *+$ 6!+ *#, ! &$ & '*!# %#o) $ *
!#$. T * )!/o# #*! o+ 6* &+2
2& !$& %! $&o+ !#* 'o *;(*
#o * &+ , &22*+ !# * , !+2 +o * &!'
#*%*#*+ * %o# #* ('!# ( $o)*#.
SATISFACTION !ITH THE PRESENT
BAN"
8 .''9
%0.''9
Sati#(ied
;i##ati#(ied
A+ '* !# 6*'$ & %('' o% )*2&() !+2
'!# *- !'* o) !+&* !7&+ $ * *!2
o%%& * &+ M()6!& !+2 o$ *# &$&* . Fo# $ *
(# o * o% o(# (#7* , * !7* o#$-
'& $*2 $ * o) !+&* , & !+2'* $ *
%&+!+ * %#o) 'o !' '*7*'.
HAND#IN$ OF FINANCE
8&.''9
%'.''96.''9
oca- eve-
$umbai
Other
:@
8/15/2019 Summer Training MBA
29/47
A * !+ ** %#o) $ * !#$ $ *#* &
!')o $ 50 o% $ * &+2( $#&* , & #*%*#
$ * !22&$&o+!' *#7& * . T * * !22&$&o+!'
%! &'&$&* )!&+' &+ '(2* o($ $!$&o+
*;(* o''* $&o+, *-6!+ &+ o'($&o+, !+2
$!4 ! )*+$ o $&o+ . I$ ! 6**+ o6 *#7*2
$ !$ o) !+&* , & 2o +o$ #*%*#
!22&$&o+!' *#7& * , !#* )!'' !'*
&+7o'7&+ &) '* $#!+ ! $&o+.
PREFERENCE FOR ADDITIONA#
SERVICES
4!95%9
Pre(er
;o not 7re( er
:
8/15/2019 Summer Training MBA
30/47
FINDINGS AND RECOMMENDATIONS
A %!# ! A+ '* !# &+2( $#&!' 6*'$ & o+ *#+*2, &$ & %!# )o#* #o * $&7* $ !+ B !#( .
I+&$&!'' , $ * o) !+&* *#* *'* $*2 o+ $ * 6! & o% $ * *4 o#$ !+2 &) o#$ ! $&7&$&* 6
&+ A+ '* !#, $ *#* !#* ! '!# * +()6*# o% o) !+&* o !7* $ * *!2 o%%& * &+
M()6!& !+2 o$ *# )*$#o o &$ ! 2* &2*2 $o )! * ! '& $ o% $ o * o) !+&* o !7*
$ * *!2 o%%& * !$ $ * 'o !' '*7*'.
O($ o% $ * 3 &+2( $#&* 7& &$*2, )!/o#&$ o% $ * o) !+&* !#* )!'' !+2 )*2&()
!'* &+2( $#&* .
I+ A+ '* !#, $ * o-o *#!$&7* 6!+ !#* )o#* o ('!# $ !+ $ * #&7!$* * $o#
6!+ . T o( $ * (6'& * $o# 6!+ '! ! 7&$!' #o'*, $ * o) !+&* !' o #*%*#
$ * o-o *#!$&7* 6!+ ( ! N!7 !#/!+ o-o *#!$&7* 6!+ , A+ '* !#
(2 o +! !# 6!+ *$ . T *#* !#* ! %* #&7!$* * $o# 6!+ '& * ICICI !+2 HDFC
6!+ 6($ $ * !#* '* o ('!# ! o) !#*2 $o $ * o-o *#!$&7* 6!+ . T & &
6* !( * $ * o-o *#!$&7* 6!+ !## o($ $ * o *#!$&o+ )!&+' o+ $ * 6! & o%
#*'!$&o+ ! *'' ! #o7&2* )!+ *#7& * %#** o% !# *.
I+ A+ '* !#, $ *#* !#* 7!#&*$&* o% &+2( $#&* ( ! *)& !' , o'o(#
& )*+$ , *!7 )! &+* !+2 $oo' , E+ &+**#&+ , oo !#* *$ . T * * &2*7!#&*$&* o% &+2( $#&* &+2( * +()6*# o% 6!+ &+ $#!+ ! $&o+ . T * )!&+ !27!+$! *
o% $ * A+ '* !# !#*! & $ !$ $ *#* !#* &+2( $#&* o% )!+ &+2 *+ *, &$ & 7*#
)( o &6'* $o &$ &+$o o)* o# $ * o$ *# !#*! o% %(+ $&o+&+ o% ! !#$& ('!#
&+2( $# .
I$ !+ 6* o6 *#7*2 %#o) $ * !6o7* !#$ $ !$ )!/o#&$ o% $ * o) !+&* !#*
!$& %&*2 &$ $ * #* ('!# *#7& * ( ! #*2&$ '&)&$ , (##*+$ ! o(+$ *$ . 6
$ * o *2 **+ &+$*#* $ &+ *$$&+ !22&$&o+!' *#7& * .I$ ! 6**+ o6 *#7*2 2(#&+ $ * (#7* $ !$ )!+ o) !+ o +*# !#* +o$ *7*+
! !#* !6o($ $ * * *#7& * . Mo#*o7*# $ * !#* 7*# #& &2 !+2 !+$ $o #* $#& $
$ *) *'7* $o $ * $#!2&$&o+!' *#7& * %#o) $ * 6!+ .
30
8/15/2019 Summer Training MBA
31/47
So o(# % $ $* o('2 6* $o )! * $ * o) !+&* ! !#* o% $ * 7!#&o( *#7& * ,
& $ * !+ !7!&' %#o) $ * 6!+ . T & !+ 6* 2o+* 6 o'2&+ )**$&+ &$
7!#&o( o) !+ o +*# !+2 *4 '!&+ $ *) $ * 2&%%*#*+$ *#7& * , *$ *# $ * !#*
%#** o% o $ o# &+7o'7* *#$!&+ !# *.
8/15/2019 Summer Training MBA
32/47
BHARUCH REGION
B !#( ! ! 7*# '&)&$*2 *$ o% I+2( $#&* , & !7* o$*+$&!' %o# 2*7*'o )*+$.
Mo#*o7*#, $ *#* !#* 7*# %* &+2( $#&* , & !#* 2*7*'o *2. I+ $ * ! $, $ *#* *#* !
%* &+2( $#&* & !2 2*7*'o *2 6($ 2(* $o $ * !+$& o''($&o+ )o7*)*+$, )!+ o%
$ *) !7* 6**+ 'o *2. B* !( * o% $ & , * o('2 7& &$ o+' ! %* o) !+&* , & *
%o(+2 '( #!$&7*. T * !+!' & o% $ * !)* & ! %o''o
T * o) !+&* &+ B !#( !#* )!'' !'*
&.*. !7&+ $(#+o7*# o% 1-: #o#*. I+
!22&$&o+ $o $ !$ %* o) !+&* !#* !7&+
$(#+o7*# o% @-10 #o#* !+2 !6o7* 10 #o#*.
T * o) !+ !7&+ $(#+o7*# !6o7* 10
#o#* !#* B'(* $!# !+2 P!$ o+
T#!+ %o#)*# .
TURNOVER OF THE COMPANIES
6 959
59
'9
%49
!9
%:&"rore
&:4"rore
4:6"rore
6:8"rore
8:%'"rore
Above %'
M!/o#&$ o% $ * %) &+ B !#( !#* o'*
#o #&*$o# & . I$ ! 6**+ o6 *#7*2 $ !$
)!/o#&$ o% $ * o +*# !2 )('$& '*
6( &+* * o $ * &7* #*2&$ $o *4 *' &+ !''
'&+* o% 6( &+* .
TYPE OF BUSINESS
&'
0"2E;IT
8/15/2019 Summer Training MBA
33/47
I$ & !+ o6 *#7*2 %! $ $ !$ 2(* $o
)('$& '& &$ o% 6( &+* '&+*, ! ( '&*# %o#
o+* 6( &+* & ( $o)*# o% !+o$ *#
6( &+* . B* !( * o% $ & , $ * !7* $o &7*
#*2&$ o+ $ * 6! & o% $ * #*'!$&o+ &$
$ * !#$&* .
TYPE OF CREDIT
'
659
0'9
''' 59 Advance2e-ation0' ;ay#6' ;ay#!' ;ay#%&' ;ay#
"
M!/o#&$ o% $ * o) !+&* &+ B !#( !#*
&+7o'7*2 &+ 2o)* $& 6( &+* . T * )!&+
#*! o+ 6* &+2 $ & & $ * )!/o#&$ o%
o) !+&* !#* )!'' !'* !+2 $ * !#*
&+7o'7*2 &+ )('$& '* 6( &+* * o $ *
%&+2 *+o( ( $o)*# &+ $ * 'o !' )!# *$.
H*+ * @:.81 o) !+&* !#* 2o&+ o+'
2o)* $& 6( &+* . Co) !+&* &+7o'7* &+
&) o#$ !#* )!+(%! $(#*# o% $#!+ %o#)*# ,
*;(& )*+$ !+2 *)& !' .
TYPE OF BUSINESS
4.049%0.'49
'
8&.6%9
On-y Ex7ortOn-y Im7ort
Ex7ort:Im7ortOn-y ;ome#tic
A')o $ !'' o) !+&* &+ B !#( !#*
!$& %&*2 &$ $ * #* *+$ 6!+ . T *
#*! o+ 6* &+2 $ & & $ !$ o) !+&* !#*
)!'' !'* !+2 #*;(* '* %! &'&$ %#o)
$ * 6!+ . T * * *#7& * $ * !#* *$$&+
%#o) $ * #* *+$ 6!+ 2(* $o $ * 'o+ -
$*#) #*'!$&o+. A !#$ %#o) $ !$ 2*7*'o &+
o) !+&* #*;(&+ !22&$&o+!' %! &'&$&*
!7!&' &$ %#o) #&7!$* * $o# 6!+ .
SATISFACTION !ITH THE PRESENT
BAN"
!%9
!9
Sati#(ied
;i##ati#(ied
33
8/15/2019 Summer Training MBA
34/47
M!/o#&$ o% $ * o) !+&* &+ B !#( !#*
!7!&'&+ $ * *#7& * o% P(6'& * $o# 6!+ .
T * #*! o+ 6* &+2 $ & & $ * !7*
2*7*'o *2 ! #! o#$ &$ $ * (6'& * $o#
6!+ . Mo#*o7*# o7*# $ *#* !#* 7*# %*
#&7!$* * $o# 6!+ & !7* $ *
6#!+ &+ B !#( . So $ * o) !+&* !#*
#*'( $!+$ $o #*' o+' o+ #&7!$* * $o#
6!+ *+ * $ * o) o &$&o+ o% 6o$ $ *
* $o# & =0 .
PRESENT BAN"
5&9
89
4'9
On-y Pub-ic
On-y Private
oth Sector#
I+ B !#( , @? o% $ * o) !+&* o *#!$*
!$ 'o !' '*7*' 2(* $o $ * )!'' &>*. 13 o%
$ * o) !+&* !7* $ * *!2 o%%& * &+
M()6!& !+2 o$ *# &$&* .
HAND#IN$ OF FINANCE
8 9
!9 49
oca- eve-
$umbai
Other
A )*+$&o+*2 *!#'&*#, )!+ o% $ *
o) !+&* &+ B !#( !#* & (+&$ , o)*
o% $ *) !7* 6**+ ($ 2o + !+2 o)* o%
$ *) !#* &+7o'7*2 &+ $ * o *#!$&o+ &
!#* 7*# &) '* !+2 2o +o$ #*;(*
!22&$&o+!' *#7& * . T * 80 +o #*%*#*+ *
& 2(* $o $ * &+2&%%*#*+ * o+ $ * !#$ o% $ *
o) !+ o +*# .
PREFERENCE FOR ADDITIONA#
SERVICES
4'9
6'9
Pre(er ;o not 7re( er
3=
8/15/2019 Summer Training MBA
35/47
FINDINGS AND RECOMMENDATIONS
D(#&+ $ * (#7* , &$ ! 6**+ o6 *#7*2 $ !$ B !#( ! ! 7*# )!'' 6*'$ o%
&+2( $#&* . Mo#*o7*#, )!+ )!'' !+2 )*2&() !'* (+&$ !7* 6* o)* & . o+*.
35
8/15/2019 Summer Training MBA
36/47
T * !$$&$(2* & !'$ o( +o$ 7*# *! $o !+ * 6($ &$ !+ 6* !+ *2 6
*4 '!&+&+ $ *) $ * *#7& * o%%*#*2 6 $ * 6!+ $ #o( o'2&+
#* *+$!$&o+ o# )**$&+ &$ $ * o) !+ o%%& &!' . B* !( * )!+ o% $ *
o) !+ o +*# !#* +o$ ! !#* o% $ * 7!#&o( %! &'&$&* !7!&'*2 6 $ * 6!+
!+2 o &$ !+ !7* $ * $&)* !+2 )o+* .
T * *#7& * !+ !' o 6* o%%*#*2 6 ! #* &7*' )!# *$&+ $ * 2&%%*#*+$
%&+!+ &!' *#7& * (&$!6'* %o# $ * o) !+&* &+ B !#( .
38
8/15/2019 Summer Training MBA
37/47
BARODA REGION :
T * M! !# (#! IDC ! *'* $*2 %o# (#7* (# o *, $ * 6! * %o# *'* $&o+ !
o) !+ !7&+ *4 o#$ &) o#$ '& *+ *. O7*# !'' ? o) !+&* *#* 7& &$*2. M!/o#&$
o) !+&* !#* &+ $ * %&*'2 o% )!+(%! $(#&+ *!7 )! &+*# , *+ &+**#&+ oo2 ,
%!6#& !$&o+, *)& !' . I$ ! 6**+ o6 *#7*2 $ !$ $ *#* !#* )!+ o) !+&* !#*
)!+(%! $(#&+ oo2 o# !#$ )!&+' %o# )!/o# '! *# '& * ABB o# FA *$ . $ *
o) !+&* &$(!$*2 &+ B!#o2! &$ *#* !' o *'* $*2 6($ $ * * o) !+&* *#* +o$
#*!2 $o oo *#!$* 6* !( * o% $ * &+ o+7*+&*+ * !( *2 ! ! #* ('$ )!+ 6!+
! #o! &+ %o# $ * !)* (# o *
I+ B!#o2! )!/o#&$ o% $ * o) !+&* !#*
)!'' !+2 )*2&() !'*. T * 3 o# =
o) !+&* !#* !7&+ $(#+o7*# !6o7* 10
#o#* $ * !#* ! !+$ o&' )&'' G300 #o#* ,
Bo)6!#2&*# T#!+ o#$!$&o+ G100 #o#* ,
A')o+!#2 G50 #o#* *$ .
TURNOVER OF THE COMPANIES
609%69
69
09
09 !9%:&"rore
&:4"rore
4:6"rore
6:8"rore
8:%'"rore
Above %'
.
M!/o#&$ o% $ * %) &+ B!#o2! !#*
&+7o'7*2 &+ $ * 6( &+* o% )!+(%! $(#&+
*)& !' , )! &+*# , *;(& )*+$ !+2 6('
2#( . T * )!&+ 6( &+* & o+ C#*2&$
6! & . B* !( * o% $ & * !+ )! * o($
%#o) $ * !#$ $ !$ 83 o($ o% ? o) !+&* #*%*# #*2&$ 6( &+* . T * %) &+7o'7* &+
+o+- #*2&$ 6( &+* !#* *''-* $!6'& *2
%) !+2 &+ 6(' 2#( 6( &+* .
TYPE OF BUSINESS
60
%6"2E;IT
8/15/2019 Summer Training MBA
38/47
T * o) !+&* *+*#!'' *4$*+2 #*2&$ o+
$ * 6! & o% #*'!$&o+ &$ $ * '&*+$ ,
o *7*# :0.83 o% $ * o) !+&* !' o
#*%*# LC. T * * o) !+&* !#* $ *
o) !+&* &+7o'7*2 &+ )!/o# *4 o#$ !+2
$ o * 2*!'&+ &$ +* ( $o)*# .
TYPE OF CREDIT
%09
069
%%9
%'9
89
&9
&'9 Advance2e-ation0' ;ay#6' ;ay#!' ;ay#
%&' ;ay#"
M!/o#&$ o% $ * o) !+&* &+ $ * B!#o2!
!#* &+7o'7*2 &+ 2o)* $& 6( &+* , 2o&+
7*# '* *4 o#$ &.*. o+ * &+ ! *!# o# o.
TYPE OF BUSINESS
469
09!9
4&9
On-y Ex7ortOn-y Im7ort
Ex7ort:Im7ortOn-y ;ome#tic
M!/o#&$ o% $ * o) !+&* &+ B!#o2! !7*
($ $ * $#( $ &+ P(6'& * $o# 6!+ . T * *
6!+ &+ '(2* M! !# (#! o-o *#!$&7*
6!+ , B!+ o% B!#o2! !+2 S$!$* 6!+ o%
I+2&!. T * )!&+ #*! o+ 6* &+2 $ & %! $ !#* #o4&)&$ $o $ * o) !+&* !+2 'o+ -$*#)
#*'!$&o+ &$ $ * 6!+ . A+o$ *# )!/o#
#*! o+ %o# $ & & $ !$ )!+ %) !## o($
7*# '* $#!+ ! $&o+ &$ $ * 6!+ . T *
o) !+&* ( &+ o+' #&7!$* * $o# 6!+
*+*#!'' #*%*# ICICI !+2 ABN A)#o
6!+ . T * o) !+&* ( &+ 6o$ $ *
* $o# !#* $ * )o $ !$& %&*2 o+* 6* !( *
$ * *$ $ * o# 2o+* $ #o( *&$ *# o%
$ * 6!+
PRESENT BAN"
'9
%89
%&9On-y Pub-ic
On-y Private
oth Sector#
3@
8/15/2019 Summer Training MBA
39/47
3 o% $ * o) !+&* !#* !$& %&*2 &$
$ * #* *+$ 6!+ *#. I$ ! 6**+ o6 *#7*2
$ !$ $ * o) !+&* 2& !$& %&*2 &$ $ *
#* *+$ 6!+ !#* $ o * o) !+&* , &
!#* ( &+ $ * *#7& * o% (6'& * $o#
6!+ . T * )!&+ #*! o+ 6* &+2
2& !$& %! $&o+ !#* 'o #o * &+ !+2
$#&+ *+$ #*2&$ +o#)
SATISFACTION !ITH THE PRESENT
BAN"
!09
9
Sati#(ied
;i##ati#(ied
I+ B!#o2! $ * !+2'&+ o% %&+!+ * o% @@o) !+&* & 2o+* !$ 'o !' '*7*' 6* !( *
)o $ o% $ * o) !+&* !#* )!'' !'* !+2
2o +o$ !7* !+ o$ *# (+&$.10 o% $ *
o) !+&* !7* $ * *!2 o%%& * &+
M()6!&.
HAND#IN$ OF FINANCE
889
%'9 &9
oca- eve-
$umbai
Other
A &$ !+ 6* **+ %#o) $ * !#$ )!+
o) !+&* #*%*# !22&$&o+!' *#7& * . T *
!#* * &!'' &+$*#* $*2 &+ *#7& * '& *
o($ $!$&o+ *;(* o''* $&o+ !+2 $!4
! )*+$ o'($&o+ . So)* o) !+&* 2o+ $
#*%*# !22&$&o+!' *#7& * 6* !( * $ * %&+2
&$ o+7*+&*+$ $o *# o+!'' o $o $ * 6!+ ,! $ * 6!+ & +o$ $oo %!#.
PREFERENCE FOR ADDITIONA#
SERVICES
4 9509
Pre(er
;o not 7re( er
3
8/15/2019 Summer Training MBA
40/47
FINDINGS AND RECOMMENDATIONS
I+ B!#o2!, o($ o% )!+ &+2( $#&!' !#*! $ * M! !# (#! IDC ! *'* $*2 %o#
(#7* (# o *. T * o) !+&* *#* *'* $*2 o+ $ * 6! & o% &) o#$-*4 o#$
'& *+ * $ * !7*. M!/o#&$ o% $ * o) !+&* &+ M! !# (#! !#* )!'' !+2 )*2&()
!'*. Mo $ o% $ *) !#* &+ $ * #!+ * o% 50'! $o = o# 5 #o#*. F* o) !+&* '& *
! !+$ o&' )&'' , Bo)6!#2&*# $#!+ o#$!$&o+ !+2 A')o+!#2 '$2., & !7* $(#+
o7*# !6o7* 50 #o#* .
M!/o#&$ o% $ * o) !+&* &+ B!#o2! !#* &+7o'7* &+ $ * 6( &+* o% )!+(%! $(#&+
E+ &+**#&+ !#$ , *!7 )! &+*# , *)& !' *$ . *+*#!'' $ * o) !+&* %&+2
$ * 6( &+* !$ 'o !' '*7*' o $ * 2o+ $ *4 o#$ 6($ $ *#* !#* $&'' o) !+&*
2* *+2 )!&+' o+ *4 o#$ 6( &+* .
T *#* !#* )!+ (+&$ , & )!+(%! $(#* oo2 %o# ( ' &+ $o $ * 6&
o) !+&* '& * ABB, FA *$ . )!/o#&$ o) !+&* 2* *+2 o+ $ * #*'!$&o+ %o#
#*2&$ 6( &+* , 7*# %* o% $ *) !#* ( &+ LC o# $ * ( * LC *+ ( $o)*# &
+* .
A $ *#* !#* )!+ (6'& ! *'' ! #&7!$* * $o# 6!+ &+ B!#o2! $ *#* & $o(
o) *$&$&o+ !)o+ $ *) $o #!6 !+2 ( $!&+ &$ o &$&o+ &+ $ * )!# *$. T *o) !+&* !#* )!&+' ! #o! &+ $o $ * 6!+ , & !#* &+ $ !$ !#*! '& *
M! !# (#! Co-O . 6!+ , B!+ o% B!#o2! !+2 S$!$* B!+ o% I+2&!. T & & $o !7*
$ * $&)* !+2 *$ $ * $#!+ ! $&o+ 2o+* %! $*#.
M!+ o) !+&* !7* * $!6'& *2 'o+ $*#) #*'!$&o+ &$ $ * 6!+ #& $ %#o)
$ * &+ o# o#!$&o+ o% $ * o) !+ . So &$ & *! &*# %o# $ *) $o *$ $ * o# 2o+*.
I+ !22&$&o+ $o $ & )!+ o) !+&* &+ &$* o% !7&+ CC '&)&$, 2o +o$ ( * &$
6* !( * )!&+' $ * $#!+ ! $&o+ !#* &) '* !+2 *+*#!'' &+7o'7* ! . T *o) !+&* & !#* $! &+ %! &'&$&* %#o) #&7!$* * $o# 6!+ +o 2! $ * !#*
2*!'&+ &$ ICICI !+2 ABN A)#o.
=0
8/15/2019 Summer Training MBA
41/47
I+ &$* o% !'' $ * * %! $ $ *#* & ! 6#& $ & $(#* %o# $ * 6!+ $o ! #o! $ *
o) !+&* . T * !+ #o7&2* $ *) 7!#&o( %! &'&$&* '& * o($ $!$&o+ *;(*
o''* $&o+, *-6!+ &+ o'($&o+ !+2 )!&+' $!4 ! )*+$ o'($&o+ . M!+
o) !+&* o *2 &+$*#* $ &+ $ * * %! &'&$&* .
8/15/2019 Summer Training MBA
42/47
LEARNING FROM THE PRO1ECT
T & @ ** $#!&+&+ *#&o2 ! *#$!&+' !22*2 'o$ o% 2* $ $o ) !''o
+o '*2 * o% $ * 6!+ &+ * $o# ! *'' ! $ * o# &+ o% $ * )!'' !+2 )*2&()
!'* &+2( $#&* . T * #* *!# o# (+2*#$! *+ 6 )* !$ $ #** 2&%%*#*+$ #* &o+ !7*)* ! '*!# & $(#* o% $ * )*+$!'&$ !+2 !$$&$(2* o% $ * &+2( $# o +*# &+ *! #* &o+.
I 6* !)* ! !#* o% $ * %! $ $ !$ $ * !$$&$(2* o% $ * *o '* $o ! #*!$ *4$*+$ 2* *+2 o+
$ * *+7o+)*+$ $ * o# &+. Fo# *4!) '*, $ * !$$&$(2* o% $ * &+2( $#&* &+ B!#o2!
! o)* !$ o &$&7* $o !#2 o(# (#7* *#*! $ * !$$&$(2* $o !#2 $ * !)*
(#7* &+ B !#( ! $o$!'' o o &$*. T ( , $ * o($ o)* o% $ * (#7* !+ 6* 7*#
*'' /(2 *2 6 $ * !$$&$(2* o% $ * *o '* o# &+ &+ ! !#$& ('!# o# *+7o+)*+$.
A+o$ *# )!/o# 7!'(* !22&$&o+ $o ) +o '*2 * '&* &+ $ * %! $ $ !$ #o *# *'* $&o+ o%
#&$*#&! & ! )( $ %o# !+ (#7* $o 6* o#$ &'*. K** &+ $ & &+ )&+2, %o# o(#
(#7* &+ A+ '* !# * *'* $*2 $ * o) !+&* , & !+2'*2 $ * %&+!+ * !$ $ *
'o !' '*7*' 6* !( * A+ '* !# ! ! '!# * +()6*# o% o) !+&* o * %&+!+ * &
!+2'*2 %#o) *!2 o%%& * &+ M()6!& !+2 o$ *# )*$#o . S&)&'!#' , &+ B!#o2!,
o) !+&* *#* *'* $*2 o+ $ * 6! & o% o) !+&* &+7o'7*2 &+ *4 o#$ !+2 &) o#$ o
$ !$ &$ & o &6'* %o# $ * 6!+ $o &$ &+$o $ * LC * )*+$ ! ;(& ' ! o &6'*.
F&+!'' , $ & #o/* $ ! &7*+ )* $#*)*+2o( '*7*' o% *'%- o+%&2*+ *, $ * &$ $o
o# &+ $*!) !+2 $ * !6&'&$ $o )!+! * $ &+ &+2* *+2*+$' . Mo#*o7*#, &$ !
*' *2 )* #oo) ) *'% &+ $o ! #o%* &o+!', & & ! #*-#*;(& &$* &+ $ &
o) *$&$&7* o#'2.
It %$ 2oo" to lea ) f o! e3#e %e),e a$ lo)2 a$ %t %$ ot'e $45 T * *4 *#&*+ * o% $ *
& ' ;(!'&%&*2 $!%% o% IDBI ! $!( $ )* $ * !#$ o% 2*!'&+ &$ *o '* !+2 $ *
o# !+&>!$&o+ o% $ * o!' $o 6* ! &*7*2. A'' $ & ! *#$!&+' 6**+ ( *%(' $o )* 2(#&+
$ * #o/* $ !+2 &'' !' ! 6* ( *%(' &+ ! &*7&+ )!+ )o#* *+2*!7o# &+ %($(#*.
CONCLUSION
=:
8/15/2019 Summer Training MBA
43/47
idbi bank & ! #*+o +*2 6!+ !'' o7*# I+2&! !+2 A6#o!2 !' o. T * 6!+ ! $! *+ ! 7*#
& * $* $o (#7* $ * $ #** !#*! !+2 $(2 $ * 6!+ &+ #*;(*)*+$ o% $ * o) !+&*!+2 $ * !$& %! $&o+ &$ $ * #* *+$ 6!+ .
T *#* !#* o )!+ #&7!$* * $o# 6!+ o)&+ ( 6($ 7*# %* !#* !6'* $o #o7&2*
*#7& * $ !$ !#* ( $o $ * *4 * $!$&o+ o% $ * &+2( $#&* . I% $ & &'' o+$&+(*, ! $&)*
o)* *+ $ * 6!+ &+ * $o# &'' !$(#!$* !+2 $ *#* o('2 6* +o o * %o# %(#$ *#
2*7*'o )*+$.
T * %&+2&+ !+2 #* o))*+2!$&o+ o% $ * (#7* '*!#' #*7*!' $ !$ $ *#* & ! +**2 o%
#o *# (+2*# $!+2&+ o% $ * *#7& * o+ $ * !#$ o% $ * &+2( $#&* &+ !'' $ * $ #** !#*!
T & *%%o#$ o+ $ * !#$ o%idbi bank $o ** ( $o)*# !$ $ * *+$#* !+2 (+2*# $!+2 $ *
+**2 &'' (#*' #o7* ! ! 6('' -* * &+ $ * #o #* o% $ * 6!+ ! *'' $ * 6!+ &+
* $o# ! ! o'*.
o+*, $ *
6!+ !+ &$ &+$o $ * #o * $&7* * $o# o% *! #* &o+ !+2 'o ' !+2 #!2(!''! $(#* $ * )!# *$ ! ! o'*. idbi bank !'#*!2 ! $ * o'& o% #o7&2&+ ;(!'&$
*#7& * !+2 )!&+$!&+ o+' ! )!+ '&*+$ ! &$ !+ )!+! *. I% &$ o# o+ $ & o'& %o#
$ * * $ #** #* &o+ !' o, &$ & 6o(+2 $o ! &*7* +* *& $ .
T & o &$&7* +o$* o+ '(2* $ * #* o#$. M! $ & #o7* $o 6* ( *%(' $o $ * 6!+ %o#
! &*7&+ +* *& $ .
8/15/2019 Summer Training MBA
44/47
BIBLIOGRAPHY
F&+!+ &!' M!+! *)*+$, B P#! !++! C !+2#!
F&+!+ &!' M!+! *)*+$, B I. M. P!+2*Co) !+ D!$!6! *
. oo '*. o)
.$#!2*&+2&!. o)
.&+2&!6( &+* 2* $o# . o)
.&26&. o)
==
8/15/2019 Summer Training MBA
45/47
=5
8/15/2019 Summer Training MBA
46/47
=8
8/15/2019 Summer Training MBA
47/47