RURAL MARKETING

PRESENTATION

SR.

STUDENT’S NAME ROLL NO.

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NISHAD VIJAYKUMAR MAHENDRA

SHARMA VRUJESH

BAGDE NIKHIL

BHUPESH TEMKAR

GURUNG SANDEEP

23 33

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MEANING OF CO-OPERATIVE BANK

Its a bank made for the economically weeker section of the society, those banks help them getting loans in lower interest etc....

You can say like for farmers or any small scale undertakings or transactions...

INTRODUCTION

Saraswat Bank is an urban co-operative banking institution based in Maharashtra, India and operating as a co-operative bank since 14th sep. 1918.

In 1988, it was conferred with scheduled status by the Reserve Bank of India.

“Service to the Common Man” has been the motto of Saraswat Bank for the last 91 years.

PRINCIPLES

The 7 principles Saraswat co-operative bank are :

Voluntary and open membership Democratic member control Member economic participation Autonomy and independence Education, training and information Co-operation among Co-operatives Concern for Community

FEATURES OF SCB

Immediate transfer and registration of securities .

Elimination of Bad deliveries . Free SMS facility. Free AMC for one year .  No stamp duty on transfer of

securities . Free Ideas facility.

DEPOSIT SCHEMES OF SCB

VARIOUS DEPOSIT SCHEMESPERSONAL NRI

ELITE GOLD SAVING ACCOUNT

ELITE SILVER SAVING ACCOUNT

SAVING FOR KIDS {CUBS}

AKSHAY SALARY

SCHEMES

Deposit Accounts Personal Loans Money Gram Xpress Money Overseas ( Nostro )

Account Forex Centers Remittance Services Trade Finance FAQs

SERVICES OF SCB

Visa Debit Card Mobile Banking Easy Pay Insurance Mutual Fund

TYPES OF SERVICES:

E-PAYMENT: Visa Bill Payment Go Recharge For Verified by Visa

(Registration)

NAME OF THE BANK GROWTH % NET PROFIT

The Kapol Co-op. Bank 1.99% p.y. 1012.23 cr.

CITIZENCREDIT Co-op. Bank 1.79% p.y. 901.40 cr.

Bassein Catholic Co-op. Bank

1.33% p.y. 700.23 cr.

Shamrao Vithal Co-op. Bank

1.13% p.y. 625.45 cr.

The Cosmos Co-op. Bank 0.99% p.y. 400.45 cr.

The Saraswat Co-op. Bank 0.97% p.y. 250.12 cr.

Surat People`s Co-op. Bank 0.61 %p.y. 180.18 cr.

The Urban Co-op. Bank Ltd. 0.42 %p.y. 170.14 cr.New India Co-op. Bank 0.34 %p.y. 150.24 cr.

NAME OF THE BANK GROWTH % NET PROFIT

ICICI Bank 2.05% p.y. 2012.23 cr.

HDFC Bank 1.79% p.y. 1201.40 cr.

Axis Bank 1.33% p.y. 800.23 cr.

Kotak Mahindra Bank 1.00% p.y. 625.45 cr.

Yes Bank 0.99% p.y. 400.45 cr.

Federal Bank 0.78% p.y. 250.11 cr.

IndusInd Bank 0.61 %p.y. 180.18 cr.

ING Vysya Bank 0.52 %p.y. 170.14 cr.Jammu and Kashmir Bank 0.46 %p.y. 150.24 cr.

WE KNOW THAT’’’’’’’’’SARASWAT BANK DOES VERY WELL THAN MANY PRIVATE LTD. BANKS ,

“EVEN AFTER BEING A CO-OPERATIVE BANK .“ FOR BETTER UNDERSTANDING

WE COMPARE THE PERFORMANCE OF SARASWAT BANK WITH IndusIND PVT. LTD.

BANK

PERFORMANCE OF IndusIND BANK :Particulars( in Crore)

Q1FY 12

Q1FY11

YoY growth (%)

Net Interest Income

336.01 295.68 26

Core Fee Income

167.07 129.58 36

Net Profit 180.18 138.55 45

Net NPA (%)

0.30 0.38 8 bps

Particulars( in Crore)

Q1FY 12

Q1FY11

YoY growth (%)

Net Interest Income

400.01 300.68 35

Core Fee Income

190.07 136.58 46

Net Profit 250.12 149.67 56

Net NPA (%)

0.00 0.10 2 bps

PERFORMANCE OF SARASWAT COOPERATIVE BANK :

7P’S OF MARKETING

The saraswat bank 7P’s criteria is followed below :1. PRODUCT: Sarswat co-operative bank is No. 1 amongst

the 1,700 UCBs in the Urban Co-operativeBanking Sector in India.

  The fact remains that we do 0.3% to 0.4% to nation's banking business.

2. PLACE: The bank has adopted the cluster based

approach.  Instead of having an isolated branch, they

have 4- 5  branches in a far off area.

3. PROMOTION: Promotion of any brand is very necessary; this

helps the marketer as well as customer to understand each other well.

The Sarswat Co-operative bank has appointed Shri Dilip Prabhavalkar, veteran artist as their Brand Ambassador.

 4. PRICING: The bank initiatives are as follows : Optimum utilization of the available resources

of he bank. Streamlining/Re-engineering various procedures in

the bank, thus improving customer service.

5. PEOPLE: During the FY 2008-09, a total of 2,225

employees working in Saraswat Bank. Today Saraswat Bank have 250 branches,

(i.e. 70 more branches by 31st March, 2011) 6. PROCESS: 1.STANDARDIZATION 2.CUSTOMIZATION

3.SIMPLICITY

7. PHYSICAL EVIDENCE: Internet & Web: Web:www.saraswatbank.com  Email : corporateoffice@saraswatbank.com

STRENGTH : Saraswat Bank is No. 1 amongst the 1,700

UCBs in the Urban Cooperative BankingSector in India with over 90 years of cumulative banking experience.

High standard regulatory environment.

WEAKNESS : Lack of competitive differential with other

offshore centres. Rigid legislation that inhibits business

development

OPPORTUNITY : Saraswat Bank has a business stake of only

Rs. 20,000 crore,which is a miniscule of merely 1.2% share in the total banking business in the State of Maharashtra. This provides a huge opportunity to the bank. THREATS :

Rise in inflation figures which would lead to increase in interest rates.

Increase in the number of foreign players would pose a threat to the PSB as well as the private players.

"To emerge as one of the premier and most preferred banks in the country by adopting highest standards of professionalism and excellence in all the areas of working !!!"