APRESENTATION
ON
INTRODUCTION
• Financial institutes deal with processing of money and other monetary transactions.
• Every financial institute goes through processes which are similar to the manufacturing process.
A CASE STUDY :
•IDBI stands for Industrial Development Bank Of India.
•Primarily set up to render monetary services to Indian industries.
•IDBI was found in the year 1964.
•It is an undertaking of the public sector.
THE WORKING OF IDBITHE WORKING OF IDBI
INPUTS OUTPUTPROCESS
INPUTS
• Every financial institute requires inputs.
• The main input for a bank is money in any form.
• For different banks, the sources of funds are different.
For IDBI, the main sources of income or inputs are :
1. FIXED DEPOSITS.
2. CURRENT DEPOSITS.
3. SAVINGS DEPOSITS.
Apart from these, the other sources are:
1. Interests on loans and borrowings.
2. Charges on services rendered.3. Overdrafts.
THE TANGIBLE INPUTS
The other inputs which are required in a financial institute are :
1. Manpower.2. Office and appliances.3. Machines and technology.
COMPARATIVE INPUT CLASSIFICATION
250.64
430.55 480
0
100
200
300
400
500
Monetary inputs (In Rs. Crores)
Fixed Deposits Current Deposits Savings Deposits
PROCESS
The intermediate processes of a financial institute includes:
1. Check clearance.2. Allocation of funds.3. Confirmation of accounts.4. Advertising.5. Negotiating instruments,
etc.
50
5
25
2510
3
05101520253035404550
Perc
enta
ge
% of Share
Parameter
Products
Advertisements
Manpower
Net-Banking
Phone banking
InvestmentSchemeNet work
THE PROCESS PARAMETERS OF IDBI BANK
EFFECTS OF ADVERTISEMENTS
100
67
43 40
0
20
40
60
80
100
No
of p
eopl
e re
mem
bere
d th
e ad
ds
No. of Days After ADDS
Positive Response
0-5 Days
6-10 Days
11-15 Days
More than 15 Days
OUTPUTS
The outputs of a financial institution are as follows :
1. Loans.2. Financial services.3. Security of savings.4. Instruments of negotiation, etc.
OUTPUT CLASSIFICATION
Loans 57%
Savings charges 13%
Interests. 17%
Charges on
negotiable instruments
13%
75%
25%95%
33% 22%
EFFICIENCY INTERNET BANKINGPRODUCT RANGE NETWORKPHONEBANKING
CUSTOMER’S RESPONSE
N=250
OUR FINDINGS
• The main source of money.• It pays an interest of 3.5% towards
savings deposits.• The main profits of the bank are
from these two accounts or deposits.
• The profit margin is less on Fixed Deposits.
• But fixed deposits act as a long term asset for the bank.
• The Annual turnover = Rs. 70,000 Crores.
LIMITATIONS
• Low rate of interest. • Low on marketing and advertising
strategies.• Competition from Private banks.
• The ambience and technology are not as developed.
• Lack of efficient human resources.
• Governed by rules and regulations.
RECOMMENDATIONS
• Necessary to open more branches.• More resources should be
allocated in the Indian market.• Short advertising campaign to
gain long term benefits with more intensity.
• The bank should alter the rates of interest.
• Pay more attention towards its FD’s.
• Make full use of technology.• Improve its production downtime.
CONCLUSION
THANK YOU …
Top Related