A comparative study of Manipur Rural Bank (MRB)
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Transcript of A comparative study of Manipur Rural Bank (MRB)
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A Project Report Presentation on
“A comparative study on Customer’s perception towards Manipur Rural Bank (MRB) and its services
w.r.t. other Commercial Banks in Manipur”
Presented By:-
Kh. Santosh SinghRoll No. 203rd SemesterMIMS, MU
Under the guidance of:-
Maibam Akendra SinghSr. Manager, P&DManipur Rural BankHead Office, Keishampat
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Contents:
1. Objectives
2. Methodology
3. Limitations
4. Data Interpretation
5. SWOT Analysis
6. Findings7. Recommendations8. Conclusion
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Objectives:
To study Customer’s Perception towards the MRB and its services To find out the SWOT Analysis for MRB w.r.t. other Commercial Banks in ManipurTo find out the segment of our population focused by the MRB
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Methodology:
Research Type :
Sampling Method :
Sample Size :
Data Collection Method :
Sampling Area :
Statistical Tool :
Exploratory Research
Non Probability Convenient Sampling
240 units
Primary Data Collection
Imphal (East, West), Thoubal & Bishnupur
Tables; Pie Chart; Bar Charts; Likert Scale
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Limitations:
1. Survey is done only for those who has a bank account
2. One Questionnaire is concern with a single bank account
3. The answers given by the respondents are assumed to be True
4. Unequal number of respondent from each of the Other banks
5. Some parameters may have been missed
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Data Interpretat
ions
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Table 1. Awareness
Options No. of Respondent
YES 210NO 30
TOTAL 240
88%
13%
YES
NO
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Table 1.1. MediumOptions No. of Respondent
Television 13
Newspaper 41
Billboard/Hoardings 27
Word of Mouth 110
Others 19
Total 210
10%
19%
12%50%
9%Television
Newspaper
Billboard
Word of Mouth
Others
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Table 2. MRB account holder
Options No. of Respondent
YES 68
NO 142
Total 210
32%
68%
YesNo
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Table 2.1. Other bank account holders
SBI
BOB
Axis Bank
PNBUBI
HDFC IOB
Allahabad
ICICIUCO CBI
0
20
40
60
80
100
120117
116
115 7
2 3 4 3 3
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Table 3. Motivating Factor
For MRB a/c holders No. of respondents
Interest Rate Offered 0
Need for Security 8
Subsidized Schemes 42
Efficient Customer Service 14
Others, please specify 4
Total 68
For Other Bank a/c holders No. of respondents
Interest Rate Offered 2 (UBI)
Need for Security 99
Subsidized Schemes 0
Efficient Customer Service 58
Others, please specify 13
Total 172
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Need for
Secu-rity14%
Sub-si-
dized Schemes55%
Effi-cient Cus-
tomer Service
24%Others
7%
Motivating Factor
Interest Rate Of-fered1%
Need for
Secu-rity58%
Effi-cient Cus-
tomer Service
34%
Others8%
MRB
Other Banks
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Table 4. Branch Location
For MRB a/c holders weightage No. of respondents Score
Highly Satisfied 5 8 40
Satisfied 4 29 116
Neutral 3 15 45
Dissatisfied 2 16 32
Highly Dissatisfied 1 0 0
Total 68 233
For Other a/c holders weightage No. of respondents Score
Highly Satisfied 5 28 140
Satisfied 4 60 240
Neutral 3 27 81
Dissatisfied 2 48 96
Highly Dissatisfied 1 9 9
Total 172 566
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Branch Location
HD D N S HS
HD D N S HS
MRB Account Holders
Other Account Holders
68 136 204 272 340
172 344 516 688 860
233
566
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Table 5. Employee/Staff Behaviour
For MRB a/c holders weightage No. of respondents Score
Highly Satisfied 5 4 20
Satisfied 4 39 156
Neutral 3 16 48
Dissatisfied 2 9 18
Highly Dissatisfied 1 0 0
Total 68 242
For Other a/c holders weightage No. of respondents Score
Highly Satisfied 5 26 130
Satisfied 4 74 296
Neutral 3 47 141
Dissatisfied 2 19 38
Highly Dissatisfied 1 6 6
Total 172 605
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Employee/Staff Behaviour
HD D N S HS
HD D N S HS
MRB Account Holders
Other Account Holders
68 136 204 272 340
172 344 516 688 860
242
605
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Table 6. Infrastructure
For MRB a/c holders weightage No. of respondents Score
Highly Satisfied 5 0 0
Satisfied 4 16 64
Neutral 3 13 39
Dissatisfied 2 27 54
Highly Dissatisfied 1 12 12
Total 68 169
For Other a/c holders weightage No. of respondents Score
Highly Satisfied 5 37 185
Satisfied 4 89 356
Neutral 3 28 84
Dissatisfied 2 17 34
Highly Dissatisfied 1 1 (UBI) 1
Total 172 660
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Infrastructure
HD D N S HS
HD D N S HS
MRB Account Holders
Other Account Holders
68 136 204 272 340
172 344 516 688 860
169
660
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Table 7. Documentation Processing
For MRB a/c holders weightage No. of respondents Score
Highly Satisfied 5 3 15
Satisfied 4 39 156
Neutral 3 22 66
Dissatisfied 2 4 8
Highly Dissatisfied 1 0 0
Total 68 245
For Other a/c holders weightage No. of respondents Score
Highly Satisfied 5 14 70
Satisfied 4 70 280
Neutral 3 52 156
Dissatisfied 2 32 64
Highly Dissatisfied 1 4 4
Total 172 574
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Documentation Processing
HD D N S HS
HD D N S HS
MRB Account Holders
Other Account Holders
68 136 204 272 340
172 344 516 688 860
245
574
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Table 8. Services provided
For MRB a/c holders weightage No. of respondents Score
Highly Satisfied 5 4 20
Satisfied 4 17 68
Neutral 3 19 57
Dissatisfied 2 21 42
Highly Dissatisfied 1 7 7
Total 68 194
For Other a/c holders weightage No. of respondents Score
Highly Satisfied 5 17 85
Satisfied 4 85 340
Neutral 3 42 126
Dissatisfied 2 25 50
Highly Dissatisfied 1 0 0
Total 172 601
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Services Provided
HD D N S HS
HD D N S HS
MRB Account Holders
Other Account Holders
68 136 204 272 340
172 344 516 688 860
194
601
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Table 9. Overall performance
For MRB a/c holders weightage No. of respondents Score
Highly Satisfied 5 2 10
Satisfied 4 30 120
Neutral 3 7 21
Dissatisfied 2 29 58
Highly Dissatisfied 1 0 0
Total 68 209
For Other a/c holders weightage No. of respondents Score
Highly Satisfied 5 11 85
Satisfied 4 92 340
Neutral 3 42 126
Dissatisfied 2 25 50
Highly Dissatisfied 1 0 0
Total 172 601
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Overall Performance
HD D N S HS
HD D N S HS
MRB Account Holders
Other Account Holders
68 136 204 272 340
172 344 516 688 860
209
601
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Ratings Analysis
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Table 10. Brand
For MRB a/c holders weightage No. of respondents Score
Excellent 5 0 0
Good 4 10 40
Neutral 3 17 51
Poor 2 29 58
Very Poor 1 12 12
Total 68 161
For Other a/c holders weightage No. of respondents Score
Excellent 5 21 105
Good 4 57 228
Neutral 3 59 177
Poor 2 35 70
Very Poor 1 0 0
Total 172 580
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Brand
VP P N G E
MRB Account Holders
Other Account Holders
161
580
68 136 204 272 340
172 344 516 688 860
VP P N G E
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Table 11. ATM Services
For MRB a/c holders weightage No. of respondents Score
Excellent 5 0 0
Good 4 0 0
Average 3 34 102
Poor 2 21 42
Very Poor 1 13 13
Total 68 157
For Other a/c holders weightage No. of respondents Score
Excellent 5 33 165
Good 4 68 272
Average 3 35 105
Poor 2 31 62
Very Poor 1 5 5
Total 172 609
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ATM Services
MRB Account Holders
Other Account Holders
157
609
VP P N G E
VP P N G E
68 136 204 272 340
172 344 516 688 860
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Table 12. Mobile/Online Banking
For MRB a/c holders weightage No. of respondents Score
Excellent 5 0 0
Good 4 0 0
Average 3 37 111
Poor 2 21 42
Very Poor 1 10 10
Total 68 163
For Other a/c holders weightage No. of respondents Score
Excellent 5 12 60
Good 4 51 204
Average 3 91 273
Poor 2 17 34
Very Poor 1 1 (Allahabad) 1
Total 172 572
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Mobile & Online Banking
MRB Account Holders
Other Account Holders
163
572
VP P N G E
VP P N G E
68 136 204 272 340
172 344 516 688 860
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Table 13. Customer Care/Helpline Services
For MRB a/c holders weightage No. of respondents Score
Excellent 5 0 0
Good 4 0 0
Average 3 49 147
Poor 2 19 38
Very Poor 1 0 0
Total 68 185
For Other a/c holders weightage No. of respondents Score
Excellent 5 13 65
Good 4 41 164
Average 3 94 282
Poor 2 21 42
Very Poor 1 3 3
Total 172 556
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Customer Care/Helpline Services
MRB Account Holders
Other Account Holders
185
556
VP P N G E
VP P N G E
68 136 204 272 340
172 344 516 688 860
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Table 14. Cleanliness of Facilities
For MRB a/c holders weightage No. of respondents Score
Excellent 5 0 0
Good 4 8 32
Average 3 8 24
Poor 2 38 76
Very Poor 1 14 14
Total 68 146
For Other a/c holders weightage No. of respondents Score
Excellent 5 33 165
Good 4 72 288
Average 3 44 132
Poor 2 21 42
Very Poor 1 2 2
Total 172 629
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Cleanliness of Facilities
MRB Account Holders
Other Account Holders
146
629
VP P N G E
VP P N G E
68 136 204 272 340
172 344 516 688 860
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Table 15. Subsidized Schemes
For MRB a/c holders weightage No. of respondents Score
Excellent 5 7 35
Good 4 18 72
Average 3 37 111
Poor 2 6 12
Very Poor 1 0 0
Total 68 230
For Other a/c holders weightage No. of respondents Score
Excellent 5 0 0
Good 4 15 60
Average 3 95 285
Poor 2 48 96
Very Poor 1 14 14
Total 172 455
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Subsidized Schemes
MRB Account Holders
Other Account Holders
230
455
VP P N G E
VP P N G E
68 136 204 272 340
172 344 516 688 860
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Table 16. Easy Account Openings
For MRB a/c holders weightage No. of respondents Score
Excellent 5 12 60
Good 4 19 76
Average 3 25 75
Poor 2 12 24
Very Poor 1 0 0
Total 68 235
For Other a/c holders weightage No. of respondents Score
Excellent 5 45 225
Good 4 70 280
Average 3 38 114
Poor 2 18 36
Very Poor 1 1 (UBI) 1
Total 172 656
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Easy Account Openings
MRB Account Holders
Other Account Holders
235
656
VP P N G E
VP P N G E
68 136 204 272 340
172 344 516 688 860
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Table 17. Queue
For MRB a/c holders weightage No. of respondents Score
Excellent 5 12 60
Good 4 18 72
Average 3 30 90
Poor 2 8 16
Very Poor 1 0 0
Total 68 238
For Other a/c holders weightage No. of respondents Score
Excellent 5 15 75
Good 4 40 160
Average 3 60 180
Poor 2 36 72
Very Poor 1 21 21
Total 172 508
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Queue
MRB Account Holders
Other Account Holders
238
508
VP P N G E
VP P N G E
68 136 204 272 340
172 344 516 688 860
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Table 18. Targeted Population
For MRB a/c holders No. of respondents
Urban 18
Semi Urban 17
Rural 33
Total 68
For Other a/c holders No. of respondents
Urban 98
Semi Urban 39
Rural 35
Total 172
26%
25%
49%
MRB
57%23%
20%
Others
Urban
Semi Urban
Rural
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Only For MRB Account HolderS
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Table 19. First thought about MRB Options No. of Respondents
Quality Service 0
Wide Branch Network 31
Speedy Transactions 8
Easy Accessibility 18
Others, please specify 11
Total 68
46%
18%
26%
10%Quality ServiceWide Branch NetworkSpeedy TransactionsEasy AccessibilityOthers
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Table 20. Recommendations
For MRB a/c holders weightage No. of respondents Score
Very Likely 5 11 55
Likely 4 41 164
Neither 3 11 33
Unlikely 2 2 4
Very Unlikely 1 3 3
Total 68 259
VU U N L VL
68 136 204 272 340259
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Table 21. About the statement – “MRB is working for the wellbeing of the Rural and Semi-Urban people”
For MRB a/c holders weightage No. of respondents Score
Strongly Agree 5 26 130
Agree 4 38 152
Neutral 3 0 0
Disagree 2 4 8
Strongly Disagree 1 0 0
Total 68 290
SD D N A SA
68 136 204 272 340290
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Table 22. Drawbacks in Services
Options No. of Respondent
YES 19
NO 49
Total 68
28%
72%
YesNo
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SWOT Analysis:
Subsidized SchemesQueue
Targeted Population
InfrastructureService QualityATM Services
Customer Care/Helpline
ServicesCleanliness
Account Holdings
Rural & Semi Urban Focus
RecommendationsSubsidized Schemes
BrandDrawbacks
Easy Account Openings
Overall Performance
STRENGTH WEAKNESS
OPPORTUNITIES THREATS
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Findings:
Account holdings in MRB is very poor
A/c holders are mostly motivated because of the Subsidized Schemes provided by the Bank
Bank focus more on the Rural and Semi Urban sections of the societyInfrastructure of the Bank branches and Services provided are below Satisfactory level
Brand of the Bank is very poor
Lacks Modern amenities like ATM, Mobile & Online Banking, Helpline Services, etc.
Lacks Clean and Healthy environment within the Bank premises
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Recommendations:
Need to increase Awareness level through more Advertisement
Need to improve the Infrastructure
Urgent need for bringing in the modern amenities
Need for maintaining a Cleaner and Healthy environment
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Conclusion:
MRB somehow manages to provide all the basic Banking services but lacks Modern services
Even though it focuses primarily to the Rural and Semi Urban sections of the society with several Subsidized Schemes and Policies, insufficient and improper infrastructure with unclean work environment is unacceptable.Lastly, MRB is far lagging behind as compare with the other Central and Commercial banks in Manipur. So, improvements in Services and Facilities are highly necessary
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