MAYANK BANGAR

CONSUMER ATTITUDE ABOUT SERVICES OF CO-OPERATIVE BANK

PRESENTATION ON

BANKSBANK IS AN INSTITUTE THAT’S DEALS IN MONEY AND ITS SUBSTITUTES AND PROVIEDS CRUCIAL FINANCIAL SERVICES.

TYPES OF BANKS Saving banks

Commercial Banks

Industrial banks

Land development banks

Indegenoeus banks

Central banks

Coperative banks

Exchange banks

Consumers bsnks

DEALING IN MONEY

INDIVIDUAL/FIRM/COMPANY

ACCEPTANCE OF DEPOSITS

GIVE ADVANCES

PAYMENT WITHDRAWAL

AGENCIES AND UTILITY SERVICES

PROFIT & SERVICES MOTIVE

EVER INCREASING FUNCTION

CONNECTING LINKS

BANKING BUSINESS

FEATURES OF BANKS

THE COMMERCIAL BANKING STRUCTURE IN INDIA CONSIST OF SCHEDULED COMMERCIAL BANKS AND UNSCHEDULED

300 SCHEDULED BANKS IN INDIA HAVING A TOTAL NETWORK OF 64,918 BRANCHES.

IN 1995 NATIONALISATION OF STATE BANK OF INDIA, 1959 NATIONALISATION OF SBI SUBSIDIES, 1969 NATIONALIZATION OF 14 MAJOR BANKS , NATIONALISATION OF 7 BANKS WITH DEPOSITS OVER RS 200 CR .

BANKING STRUCTURE IN INDIA

CO-OPERATIVEBANKING ININDIA

A financial entity which belongs to its members, who are at the same time the owners and the customers of their bank, CO-OP BANK.

THE CO-OP BANKING STRUCTURE IS A THREE TIER FEDERAL ONE

1. A STATE CO-OP BANK

2. THE CENTRAL CO-OP BANK

3. PRIMARY CO-OP BANK

INTRODUCTION OF CO-OPERATIVE BANK

TYPES OF CO-OPERATIVEBANKS

Primary co-operative banks

Central co-operative banks

State co-operative banks

Land development banks

Urban co-operative banks

Joint stock company

Federal structure in nature i.e at the top level State Co-operative Banks ,and at the village level primary Co-operative credit Societies

They are generally concentrating on rural credit and provide credit facilities to agricultural and rural activities . In Co-operative Banks the borrowers are usually their members.

The Co-operative Banks provide a little higher rate of interest on deposits as compared to commercial banks

FUNCTIONS OF CO-OPERATIVE BANKS

THE AMBALA CENTRAL CO-OPERATIVE BANK

CAME INTO EXISTENCE ON 1.4.1973 .

PRIMARY OBJECTIVE OF INCULATING BANKING HABBITS AMONG THE RURAL MASSES.

DURING THE YEAR 1995-96 THE BANK WAS ADJUDGED BEST BANK AMONG ALL DISTRICTS CENTRAL CO-OP BANKS IN HARYANA STATE .

NOW A DAY TOTAL BRANCHES STANDS TO 27, 2 EXTENSHION COUNTRIES

INTRODUCTION

ANALYSISAND

INTERPRETATIO

N

Dear Sir/Madam,

I am a student of Institution of Management Studies, (Kurukshetra University, Kurukshetra) conducting a marketing survey on “consumer perception about the services of central co-operative bank “. I request you to fill this questionnaire & I assure that this data will be used only for study purpose & it will be kept confidential.

1. Name _________________________________

2. Address _________________________________

_________________________________

_________________________________

3. Age

a. Less than 25 c. 35-45

b. 25 – 35 d. 45 and above

4. Qualification

a. Graduate c. Diploma

b. Postgraduate d. Other discipline

 

5. Occupation

a. Business c. Job holder

b. Professional d. Other

6. What is your average annual income?

a. Up to 1 lakh

b. 1 lakh to 3 lakhs

c. 3 lakhs to 5 lakhs

d. 5 lakhs and more

e. other ____________

7. According to you Banking is?

a. A saving scheme with good return

b. Money security

c. A financial security for the family

d. All the above

other ____________

 

8. Are you have any A/c in Central Co-operate bank,

Yes No

If Yes, then

a. Saving A/c

b. Recurring A/c

c. Current A/c

d. Fixed Deposit

e. All the above

 

9. Are you aware of the benefits of Co-operative services?

YES NO

If yes which are in these?

a. Loan facilities

b. Locker facility

c. Agriculture loan

d. Saving facilities

e. other_____________

10. In which scheme of the bank would you like to invest?

* Fixed Deposit

* MMC

* Recurring Deposit

* All of above

11. According to you what are the weak points of Central Co-operative bank facility

* Not Online facilities

* Not ATM facility

* Low interest rate

* All the above

12. Are you satisfy with the services provided by your bank ??

A_____ B_____ C_____ D_____ E_____

*A – HIGHLY SATISFY

*B – SATISFY

*C – NUTRIAL

*D – DISSATISFY

*E _ HIGHLY SATISFY

CUSTOMERS SATISFACTION WITH INTEREST RATES OFFERED BY CO-OP BANK

SATI

SFY

DISSA

TISF

Y0

20

40

60

80

CUSTOMERS

CUSTOMERS

CUSTOMER SATISFACTION WITH PROCESSING FEES CHARGED BY CO-OP BANK

SATI

SFY

DISSA

TISF

Y0

10203040506070

PROCESSING FEES

PROCESSING FEES

STANDARD OF SERVICES PROVIDED BY BANKS

EXCELLENT VERY GOOD GOOD FAIR0

10

20

30

40

STANDARD OF SERVICES

STANDARD OF SER-VICES

STRONGEST POINTS OS THE BANK

01020304050

STRONGEST POINT

STRONGEST POINT

BEST SERVICES :

1 : CLEARING OF CHEQUES

2 : QUERIES OF CUSTOMER BEING SOLVED

3 : IMMEDIATE PAYMENT THROUGH SELF

CHEQUES

4 : PROVIDE INFO TO CUSTOMERS ABOUT

THEIR ACCOUNTS

SWOT ANALYSIS

STRENGTHS

RIGHT STRATEGY FOR THE RIGHT PRODUCT

GREAT BRAND IMAGES

HIGH DEGREE OF CUSTOMER SATISFACTION

SUPERIOR CUSTOMER SERVICES VS. COMPETITION

WEAKNESS

FAR FROM TECHNOLOGY

NO ATM SERVICES PROVIDED

POOR STRUCTURE OF BANK

LACK OF STAFF

OPPORTUNITIES

GOOD SCOPE IN RURAL AREA

DEVELOPMENT OPPORTUNITY AVAILABLE

JOB OPPORTUNITIES ALSO AVAILABLE

THREATS

VERY HIGH COMPETITION

INCREASING IN NUMBER OF NON-PERFORMING-ASSTES

MOST OF THE BRANCHES WORK ON NO PROFIT / NO LOSS