Post on 24-May-2015
transcript
RURAL MARKETING
PRESENTATION
SR.
STUDENT’S NAME ROLL NO.
1.
2.
3.
4.
5.
NISHAD VIJAYKUMAR MAHENDRA
SHARMA VRUJESH
BAGDE NIKHIL
BHUPESH TEMKAR
GURUNG SANDEEP
23 33
02
44
12
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 !!!"