Scribd Logo
Upload

Welcome to Scribd!

  • 74 views

    BANKING

    Uploaded by

    Shazia Tasneem
    This document summarizes a study conducted on the banking preferences and needs of small, medium, and large corporations. It examines the factors that affect a company's choice of bank. The study developed a questionnaire and conducted visits to clients. The key findings were that corporations prefer large private banks over nationalized banks due to better lending abilities and customer service. Corporation size determines which banks they choose to work with, with larger companies having relationships with multiple banks. The top preferred banks according to the survey were ICICI, HDFC, and Axis.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd

    BANKING

    Uploaded by

    Shazia Tasneem
    74 views20 pages
    This document summarizes a study conducted on the banking preferences and needs of small, medium, and large corporations. It examines the factors that affect a company's choice of bank. The study developed a questionnaire and conducted visits to clients. The key findings were that corporations prefer large private banks over nationalized banks due to better lending abilities and customer service. Corporation size determines which banks they choose to work with, with larger companies having relationships with multiple banks. The top preferred banks according to the survey were ICICI, HDFC, and Axis.

    Original Description:

    ABOUT BANKING NEEDS OF CLIENTS

    Original Title

    BANKING PPT

    Copyright

    © Attribution Non-Commercial (BY-NC)

    Available Formats

    PPTX, PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    This document summarizes a study conducted on the banking preferences and needs of small, medium, and large corporations. It examines the factors that affect a company's choice of bank. The study developed a questionnaire and conducted visits to clients. The key findings were that corporations prefer large private banks over nationalized banks due to better lending abilities and customer service. Corporation size determines which banks they choose to work with, with larger companies having relationships with multiple banks. The top preferred banks according to the survey were ICICI, HDFC, and Axis.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    74 views20 pages

    BANKING

    Uploaded by

    Shazia Tasneem
    This document summarizes a study conducted on the banking preferences and needs of small, medium, and large corporations. It examines the factors that affect a company's choice of bank. The study developed a questionnaire and conducted visits to clients. The key findings were that corporations prefer large private banks over nationalized banks due to better lending abilities and customer service. Corporation size determines which banks they choose to work with, with larger companies having relationships with multiple banks. The top preferred banks according to the survey were ICICI, HDFC, and Axis.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    You are on page 1of 20

    STUDY OF BANKING PREFERENCE /NEED OF SMALL/MEDIUM/LARGE CORPORATES & A STUDY OF FACTORS AFFECTING CHOICE OF BANK FOR COMPANIES

    PRESENTED BY: SHAZIA TASNEEM

    11BSP0935
    SIP COMPANY: ING VYSYA BANK. PROJECT GUIDE: SUJEET SINHA.

    BANKING

    Banking is a business activity of accepting deposits and safeguarding money owned by other individuals and entities, and then lending out this money in order to earn a profit. There are two types of BANKING. (A)Wholesale Banking. (B)Retail Banking.

    Types of customer for a bank.

    Liability: Depositor customer.

    Advances: Asset customer.

    Types of customers for a bank


    Proprietary/Individual. Partnership.

    HUF.
    Private ltd. Firm. Public ltd. Firm. Trust. Society. Limited liability partnership(LLP).

    Departments of a bank.
    Savings. Term deposit. Remittance.

    Loans and Advances.


    Bills. Demat. Government business department. FOREX.

    Survey tool.

    Developed questionnaire with closed ended question.

    Visits to client.

    Key challenges
    Access to to finance Access to markets

    Access to infrastructure
    Access to people Access to technology & environmental constraints Issues regarding regulatory facilitation

    NET WORTH
    THESE ITEMS REPRESENT THE AMOUNT OF FUNDS GIVEN BY THE OWNERS OF THE BUSINESS. FOR THIS REASON NET WORTH IS ALSO KNOWN AS SHARE HOLDERS FUNDS OR OWNERS EQUITY. THEY ARE PERMANENT SOURCE OF FUND

    THEY DO NOT CARRY ANY FIXED CHARGE BY WAY OF INTEREST.


    THEY ARE NOT OUTSIDE LIABILITIES.

    NET WORTH

    PAID-UP CAPITAL (EQUITY & PREFERENCE)


    AUTHORISED CAPITAL, ISSUED CAPITAL, SUBSCRIBED CAPITAL, PAID-UP CAPITAL. RESERVES { RETAINED PROFITS}: RESERVES ARE CREATED OUT OF PROFITS MADE BY THE BUSINESS. DEPENDING ON THE SOURCE OF PROFIT OUT OF WHICH THEY ARE CREATED. RESERVES CAN BE CLASSIFIED AS REVENUE RESERVE OR CAPITAL RESERVE.

    NET WORTH
    REVENUE RESERVES; ARE CREATED FROM REVENUE PROFITS EARNED OUT OF NORMAL BUSINESS OPERATIONS. CAPITAL RESERVES; THEY ARE BUILT OUT OF CAPITAL PROFITS LIKE SHARE PREMIUM ON ISSUE OF SHARE, PROFITS OUT OF FORFEITURE OF SHARES, PROFIT ON REVALUATION OF FIXED ASSETS, ETC. GENERAL RESERVES & SPECIFIC RESERVE SECRET RESERVE FREE RESERVES

    FACTORS AFFECTING CHOICE OF BANK FOR COMPANIES.


    Customer service. Customer satisfaction.

    Customer relationship management.


    Interpersonal skills of bank staffs towards customers. Faster service. Pro-active customer centric approach. Trust. Complete solution under one roof. Well synchronized customer need and requirement.

    ..

    Business need of the firm. Authorized bank for dealing with all statutory taxes, foreign remittances and other govt.

    Wide geographical presentation.


    Contemporary base. Strong technological base. Any-time ,any-where banking.

    Banking for gen-y and gen-next.


    Thrust over retail banking.


    TAT(Turnaround time). Affective grievance redressal machinery. Infrastructure. Institutional structure.

    E-banking.
    M-banking. Follow-ups.

    Types of accounts in a bank

    Over draft.(OD) (a)Secured OD. (b)Unsecured OD. Term Loan. (a)Short term. (b)Medium term. (c)Long term.

    Lending decision by a banker.


    4C Approach. (a) Character.

    (b) Capacity.
    (c) Capital. (d) Collateral. 3P Approach. (a) Person. (b) Project. (c) Profitability.

    Preferred bank found in my survey


    ICICI-50%

    HDFC-30%
    Axis-10% ING VYSYA BANK-3% UBI-3% KOTAK MAHINDRA-1% OTHERS-3%

    FINDINGS.
    Corporates does not find nationalized banks up to mark. Size of the firm decides which bank to choose.

    Big corporates has many banks with them.


    Lending ability of the bank decides which bank to choose. Rates for foreign remittances. Private banks have competitive advantage.

    Learning outcome

    Enhanced communication skills.


    Built up a huge network. Learnt corporate etiquette. Time management. Strong database. Learnt banking operations.

    Basis of classification of small. medium and large corporate and your opinion after survey

    You might also like