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A Project Report On
Submitted by:
Mohin ansari
Project Guide :
IDBI BANK LTD.
Certificate
With the bank and for the bank he himself offered the project title
“Will promotional activities change the perception of consumers
towards IDBI bank? While rest all factors are constant in Saket.”, and
given his all efforts in spite of hectic schedule of job. His contribution
through this project is really commendable.
Acknowledgement
To acknowledge all the persons who had helped for the fulfillment of
the project is not possible for any researcher but in spite of all that it
world for the inception and the conception of this project. Later on I
depth of my heart.
Rest all those people who helped me are not only matter of
Preface
Decisions regarding that what you want to do, how you want
life, I used it in my project not for the ease of my but for the
persons.
Table of content
Acknowledge
Preface
project
IndustryIintroduction
Industry/Bank performance
movement
Data collection
Statistical analysis
Theoretical interpretations
Findings
Appendix 1: Questionnaire
Chapter 1
Introduction: Executive summary of the project
Executive Summary
And to work for this was really a complex and hectic task and few
times I felt so frustrated that I thought to left the project and go for any
new industry and new project. Challenges which I faced while doing
get their time and view for specific questions was very difficult.
- Area covered for the project while doing job also was very large
possible.
So above challenges some time forced me to leave the project but any
analyzed that-
Chapter 2
Chapter 1
Industry introduction
Regulation Act of India, 1949 can be broadly classified into two major
nationalized banks, the State Bank of India and its group banks,
regional rural banks and private sector banks (the old/ new domestic
and foreign). These banks have over 67,000 branches spread across
the country in every city and villages of all nook and corners of the
land.
major banks in 1969 and resulted in a shift from Class banking to Mass
branches increased eight-fold. And that was not the limit of growth.
the sector in the early nineties, the Public Sector Banks (PSB) s found it
extremely difficult to compete with the new private sector banks and
the foreign banks. The new private sector banks first made their
operation. These banks due to their late start have access to state-of-
costs.
During the year 2000, the State Bank Of India (SBI) and its 7 associates
deposits and 47.5 percent of credit during the same period. The share
Current Scenario:
PSBs, which are the mainstay of the Indian Banking system are in the
equity, while on the other hand the private sector banks are
sector banks are forging ahead and rewriting the traditional banking
sheer innovation and service. The PSBs are of course currently working
The private players however cannot match the PSB’s great reach,
great size and access to low cost deposits. Therefore one of the means
for them to combat the PSBs has been through the merger and
acquisition (M& A) route. Over the last two years, the industry has
Punjab, Vysya Bank are said to be on the lookout. The UTI bank- Global
about the realization that all was not well in the functioning of many of
them into the mainstream banking arena, while the PSBs are still
IDBI BANK LTD.
both new and the existing ones, have been permitted to open up to 12
stipulation of 8 branches.
the takeover of even the PSBs. The FDI rules being more
rationalized in Q1FY02 may also pave the way for foreign banks taking
them are also entering the new vistas of Insurance. Banks with their
phenomenal reach and a regular interface with the retail investor are
the best placed to enter into the insurance sector. Banks in India have
securities recorded a Cagr of 18.8 percent per annum during the same
period.
(GDP) growth of only 6.0 percent as against the previous year’s 6.4
at 15.4 percent in FY01 percent was lower than that of 19.3 percent in
ago.
The industrial slowdown also affected the earnings of listed banks. The
ended March 2001. Net profits grew by 40.75 percent in the first
quarter of 2000-2001.
On the Capital Adequacy Ratio (CAR) front while most banks managed
to fulfill the norms, it was a feat achieved with its own share of
hiked to 12.0 percent by the year 2004 based on the Basle Committee
also shore up its capital at the same time so that its capital as a
rate. While the IPO route was a much-fancied one in the early ‘90s, the
shore up their capital base. While some are wooing foreign partners to
add to the capital others are employing the M& A route. Many are also
going in for right issues at prices considerably lower than the market
The two years, post the East Asian crises in 1997-98 saw a climb in the
IDBI BANK LTD.
global interest rates. It was only in the later half of FY01 that the US
remained more or less insulated. The past 2 years in our country was
The RBI has been affecting bank rate and CRR cuts at regular intervals
to improve liquidity and reduce rates. The only exception was in July
2000 when the RBI increased the Cash Reserve Ratio (CRR) to stem
the fall in the rupee against the dollar. The steady fall in the interest
Governmental Policy:
After the first phase and second phase of financial reforms, in the
rationing for the private sector and the interest rate controls led to the
system was felt. This was worked out mainly with the help of the
sector reforms called for interest rate flexibility for banks, reduction in
rates have thus been steadily deregulated in the past few years with
banks being free to fix their Prime Lending Rates(PLRs) and deposit
set up, PSBs were allowed to access the markets to shore up their
Cars.
IDBI BANK LTD.
moves that will lend greater autonomy to the industry. In order to lend
more depth to the capital markets the RBI had in November 2000 also
total domestic credit in the previous year. But this move did not have
the desired effect, as in, while most banks kept away almost
completely from the capital markets, a few private sector banks went
meet CAR norms. Ceiling for FII investment in companies was also
increased from 24.0 percent to 49.0 percent and have been included
IDBI BANK LTD.
growth of an economy.
higher production
social utilities.
industrial sector.
in India. IDBI has directly or indirectly assisted all companies that are
scale sector.
limited(CCIL)
In 1992, IDBI accessed the domestic retail debt market for the first
These new bonds became highly popular with the Indian investor.
IDBI BANK LTD.
cent. In July 1995, it raised over Rs 20 billion in its first initial public
In august 2000, IDBI became the first all India financial institution to
obtain ISO 9002: 1994 certification for its treasury operations. It also
Milestones
breaking success.
upto 49%.
• July 1995: Made Initial Public Offer of Equity and raised over
strategy.
into the retail finance sector. The housing finance subsidiary has
Undertaking and Repeal Bill) 2002 to repeal IDBI Act 1964. The
Undertaking and Repeal) Act 2003 came into force from July 2,
2004.
• July 2004: The Boards of IDBI and IDBI Bank Ltd. take in-
24, 2004 and the first meeting of the Trustees was held on
1993.
tenure.
the scheme approved by the Boards of both the banks, IDBI Ltd.
will issue 100 equity shares for 142 equity shares held by
scheme.
IDBI BANK
PERSONAL SAVING
CORPORATE SAVING
IDBI BANK LTD.
Chairman
President
Regional Head
Zonal Head
Divisional Sales
Manager
Territory In charge
Chapter 3
IDBI BANK LTD.
Research Methodology
Project study which is being conducted by me for the last two month is
not only a formality for the fulfillment of the two year full time Post
information available in the market for the use of society and people.
are as following-
Bank’s performance.
performance.
Bank’s product.
IDBI BANK LTD.
which will provide both price and people to the bank with
Each and every project study along with its certain objectives also
have scope for future. And this scope in future gives to new researches
a new need to research a new project with a new scope. Scope of the
study not only consist one or two future business plan but sometime it
also gives idea about a new business which becomes much more
Scope of the study could give the projected scenario for a new
scope I observed in my project are not exactly having all the features
of the scope which I described above but also not lacking all the
features.
quality.
IDBI BANK LTD.
competitors.
following-
Competitors
Customer Behaviour
Advertisement/promotional activities
Economic conditions
lot. Basic tools which I used for project from statistics are-
- Bar Charts
- Pie charts
- Tables
bar charts and pie charts are really useful tools for every research to
show the result in a well clear, ease and simple way. Because I used
bar charts and pie cahrts in project for showing data in a systematic
way, so it need not necessary for any observer to read all the
IDBI BANK LTD.
theoretical detail, simple on seeing the charts any body could know
Technological Tools
Ms- Excel
Ms-Access
Ms-Word
situation of “you sit and get”. I provided it simply all the detail of data
While I started to do the project the main thing which was the matter
project. Because with out having any hypothesis and objective we can
not determine that what output or result we are expecting form the
project.
And second thing is that having only tools and techniques for the
Mathematical Averages
Standard Deviation
Correlation
For the purpose of project data is very much required which works as
a food for process which will ultimately give output in the form of
would like to mention that what type of data I have collected for the
1. Primary Data:
while doing cold calls with the customers and I shown them list of
Source: Main source for the primary data for the project was
2. Secondary Data:
Secondary data for the base of the project I collected from intranet
University.
Statistical Analysis
charts. All the data which I got form the market will not be disclosed
over here but extract of that in the form of information will definitely
be here.
Detail:
Area : Saket
Industry : Banking
Respondent : Customers
IDBI BANK LTD.
60
RESPONSES
50
40
30 NO. OF RESPONSE
20
10
0
VE
5
0
0
-A 0
-2
-3
-5
-3
-4
-4
60 -6
BO
20
25
30
35
40
45
50
AGE GROUP
RESPONSES
BANK
PARAMETER RESPONSES
EFFICIENCY 75%
INTERNET BANKING/ATMs 25%
PRODUCT RANGE 95%
NETWORK 33%
PHONE BANKING 22%
IDBI BANK LTD.
22%
33% EFFICIENCY
75% INTERNET
BANKING/ATMs
PRODUCT RANGE
NETWORK
95% PHONE BANKING
25%
COMPETITORS
SBI
30%
ICICI
25% SBI
IDBI
20%
IDBI ICICI
15% PNB
PNB OTHERS HDFC
10%
HSBC
HDFC HSBC
5% OTHERS
0%
% OF SHARE
BANK IN NOIDA
PARAMETERS % OF SHARE
PRODUCT 50%
ADVERTISMENT 5%
MANPOWER 25%
NET-BANKING 2%
IDBI BANK LTD.
PHONE BANKING 5%
INVESTMENT SCHEME 10%
NETWORK 3%
60%
50%
50% PRODUCT
PERSENTAGE
ADVERTISMENT
40%
MANPOWER
30% 25% NET-BANKING
PHONE BANKING
20%
INVESTMENT SCHEME
10%
10% 5% 5% NETWORK
2% 3%
0%
% OF SHARE
PARAMETERS
BASIC PARAMETERS
CANAR
PARAMETERS/BANKS IDBI ICICI SBI PNB HSBC
A BANK
IDBI BANK LTD.
C OMPAR ATIVE GR AP H S
60%
50%
PERCENTAGE
P RODUCT
40%
30% A DV E RTIS M E NT
20% M A NP OW E R
10%
0% NE T-B A NK ING
P HONE B A NK ING
I
BI
BC
IC
SB
NK
PN
ID
IC
INV E S TM E NT S CHE M E
HS
BA
RA
NE TW ORK
NA
BANKS
IDBI BANK LTD.
POSITIVE RESPONSE
REMEMBERED THE AD
120
NO. OF PEOPLE
100
80
60 POSITIVE RESPONSE
40
20
0
0-5 days 6-10 11-15 more
days days than 15
days
NO. OF DAYS AFTER AD
Findings
the first day of its airing till the fifth day and there after
it starts declining.
5. It can be distilled from data that IDBI bank has good market
Recommendations
1. Since there is only two branch of IDBI bank and only three atms
especially.
IDBI BANK LTD.
intensity.
Khanpur.
bank, which makes this bank more reliable than other private
making people aware about this fact and winning their faith.
Appendix1: Questionnaire
IDBI BANK LTD.
NAME………………………………………………………………………………
ADDRESS:……………………………………………………………………………...
……………………………………………………………………………………………
CITY………………………………………PIN
CODE………………………………....
YES NO
2. IDBI BANK IS A –
EFFICENCY MANPOWER
……………………………………………………………………………………………
……………
6. NAME THE BANK WHICH COMES IN YOUR MIND AT VERY FIRST AND
WHY?
……………………………………………………………………………………………
…………….
YES NO
YES NO
DISAT.
10. IF YOU WILL HAVE OPTION AGAINEST IDBI BANK YOU WILL GO FOR
SBI PNB
ICICI OTHER
YES NO
12. WHEN DID YOU LAST SEE THE ADVERTISEMENT OF IDBI BANK?
BACK
15 DAYS BACK
IDBI BANK LTD.
SAKET?
……………………………………………………………………………………………
……………
……………………………………………………………………………………………
…………….
……………………………………………………………………………………………
…………….
PERSONS
ALL OF ABOVE
17. NAME IDBI BANK LTD. GIVE BLUE-PRINT IN YOUR MIND OF-
EFFICIENT BANK
……………………………………………………………………….
www.idbibank.com
IDBI BANK LTD.
www2.idbibank.com
www.google.com
Aaker Kumar and Day, Marketing research, 6th Ed.,john willy &
sons,1997.