MADE BY :SHRIYA PATHAKBIF – B1403083

Dhanlaxmi bank ltd. Was incorporated in 1927 at thrissur, kerala by a group of ambitious and enterprising entrepreneurs.Over the 87 years that followed, dhanlaxmi bank with its rich heritage has earned the trust and goodwill of clients.

It is due to our strong belief in the need to seek innovation, deliver best service and demonstrate responsibility, that we have grown from strength to strength.

Be it in the number of customers, the scale of business, the breadth of our product offerings, the banking experience we offer or the trust that people invest in us. With more than 670 touch points across india at your service; our focus has always been on customizing

services and personalizing relations.

VISION AND MISSION …..

V I S I O N : Banking on Relationships forever.

MISSION : To Become a Strong and Innovative Bank with Integrity and Social Responsibility to Maximise Customer Satisfaction as well as that of the Employees, Shareholders and the Society.

MR. T Y PRABHU(CHAIRMAN)

DR. LAKSHMY DEVI K. R( DIRECTOR)

MR. P.G JAYAKUMAR(ASST. DIRECTOR)

1) General Public(Different savings account to match the need

of every Individual)

2) Business Houses & Corporates(Current account to meet the requirements of

the business)

FINANCIAL INCLUSION INITIATIVES

Outstanding of Rs. 1134.89 crores under weaker sections, accounting 12.82% of net bank credit of net bank credit as against the RBI benchmark of 10% as at March end 2013.

Outstanding in the area of micro credit totalled Rs. 368.26 crores as on 31st March 2013.

Kissan Credit Cards for Rs. 5.98 crores were issued to 150 farmers as on 31st March 2013.

Opened 1,56,827 ‘Basic Savings Bank Deposit Account’ with outstanding of Rs. 31.75 crores as on 31st March 2013, as part of financial inclusion initiatives.

1. INVESTMENT BANKING2. COMMERCIAL BANKING3. RETAIL BANKING4. PRIVATE BANKING5. MORTGAGE6. CREDIT CARDS

LENGTH :

1. PERSONAL BANKING > SAVING ACCOUNT

2. PERSONAL BANKING > CURRENT ACCOUNT

3. PERSONAL BANKING > TERM DEPOSITS

PRODUCT MIX --- DEPTH

> Dhanam preferred

> Smart salary saving account

> Regular saving account

> Dhanam basic saving bank deposits

> Premium current account

> regular current account

> super power current account

> suvidha current account

> Dhanam abhivridhi> Senior citizen’s deposits> Shri dhan chakra deposits> Lakshmi recurring deposits

SEGMENTATION NATIONAL – SOUTHERN ZONEWESTERN ZONESTATESDISTRCTSCITIESTOWNSMALL VILLAGE

TARGETING SMALL AND MEDIUM BUISNESSESLOCAL BUISNESS GROUPFARMERS

POSITIONING COMPLETE BANKING SOLUTIONASSISTANCE TO LOW INCOME GROUPFINANCIAL ASSISTANCE TO FARMERS

1. LAKSHMI VILAS BANK LTD.2. ICICI BANK LTD.3. KARNATAKA BANK LTD.4. SOUTH INDIAN BANK LTD.5. AXIS BANK LTD.6. INDUSIND BANK LTD.7. HDFC BANK LTD.8. FEDERAL BANK LTD.9. YES BANK LTD.

Bargaining power of suppliers..

The amount of loan a bank offers is directly proportional to amount of deposits a bank receives. If there is no deposits from the customer then the bank won’t be having any money to offer.

Bargaining power of customers :

Banks will want customers to be loyal and expect that they would provide true and fair information.

Threat of Substitutes- Non Banking Financial Companies are posing a threat in terms of providing loans & advances to the general public & are hence posing a threat for banks & Dhanlaxmi Bank is no exception. Even post offices are providers of loans & they too can substitute banks.

Threat Of New Entrants- The banks face competition in the form of entry of new entrants. RBI has issued banking licenses to two new banks i.e BandhanFinancial & IDFC

Political Factors :The rules & regulations laid down by the government plays a very important part in determining the functioning of the bank. Some of the major political factors affecting the banking industry are as follows:

a) Focus on regulation of governmentb) Budget & Budget Measuresc) Foreign Direct Investment Limits

Economic Factors :The market economy plays a very important role in determining the functioning of the bank. In the event of an economic slowdown, the bank’s business will be affected as there will be no spare money in the hands of the people to invest. As the market condition will improve, so will the business of the banks.

Social Factors :It includes social & cultural aspects & health consciousness, population growth rate, age distribution, career attitudes & emphasis on safety.

Technological Factors :Technology plays a very important role in the internal control mechanism of the bank as well as in the services offered by them. Through the use of technology new products & services are introduced. Like UCO Bank offers services such as ATM Machines, Mobile Funds Transfer, NEFT, RTGS, Debit Cards etc.

Legal Factors :The year 2013–14 saw the following changes in the key policy measures announced by the RBI.• Repo rate and Reverse Repo rate increased by 75 basis points (bps) to 8% and 7% respectively.• Accordingly, Marginal Standing Facility (MSF) Rate and Bank Rate was aligned 100 bps above repo rate at 9%.• Cash Reserve Ratio (CRR) was kept unchanged at 4% of Net Demand and Time Liabilities (NDTL) during the year.

• Statutory Liquidity Ratio (SLR) was kept unchanged at 23% during the year

LATEST FROM

New Branch inaugurated by Dhanlaxmi Bank at Thiruvananthapuram -- Nov 18, 2014

Dhanlaxmi Bank posts Rs 5 cr profit in

September quarter – NOV 122014

> http://www.dhanbank.com/aboutus/code_conduct.aspx

> www.google.com

> www.rbi.org

> www.moneycontrol.com

> The hindu , The Indian Express