PPT on Comperative Stuidy on Service Quality Between a Private BANKS by ANUP KUMAR OJHA (UMA)

8/2/2019 PPT on Comperative Stuidy on Service Quality Between a Private BANKS by ANUP KUMAR OJHA (UMA)

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3/20/12USHA MARTIN ACADEMYKOLKATA

Presented ByAnup Kumar OjhaMBA IV

USHA MARTIN ACADEMYKOLKATA11

Comparative Study on Servicequality between a privateBanks and a Public sector

Banks and Foreign Banks


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3/20/12USHA MARTIN ACADEMY KOLKATA

INTRODUCTION

USHA MARTIN ACADEMY KOLKATA

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Banks play a role of considerableeconomic significance as intermediariesin mobilizing public savings and

channelising the flow of funds forproductive purposes, keeping on theprocess of the economic growth of thecountry. Realizing the importance of the

role of the banks in economicdevelopment, Government ofIndia/Reserve Bank of India took severalmajor initiatives after the countryattained independence to gear the


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Objectives of the Study


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Following objectives are planned in thepresent investigation:- To assess variousaspects of services provided by the

public sector, private sector and foreignbanks.

To assess the extent of use of services

especially the IT enabled services inthese banks.

To determine and compare the extent ofcustomers satisfaction with quality of

banking services on the basis of different


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Current Scenario


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Currently, overall banking in India isconsidered as fairly mature in terms ofsupply, product range and reach even

though reach in rural India still remains achallenge for the private sector andforeign banks.

Well- computerized foreign banks arebeginning to compete seriously with thenationalized banks. They aim at aprofitable and wealthy part of the

market and, in contrast to the


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Banking Services


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With years, banks are adding services totheir customers. The Indian bankingindustry is passing through a phase of

customers market. The customers havemore choices in choosing their banks. Acompetition has been established withinthe banks operating in India.

The new age IT (Information Technology)is bringing about sweeping changes inthe banking industry, forcing them to re-

engineer many of their basic processes-


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Banking Technology


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Financial reforms had its impact onIndian banks and financial institutions. Inthe fast changing financial environment,

fierce competition and changes in theregulatory policies created uncertaintyand risk for the Indian banking industry.Realizing this fact, academicians and

practitioners highlighted in their studiesthat information source in banks is ofcapital importance and they look atinformation technology as strategicresponse to changing financial


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Customers Satisfaction


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A customer can be defined as a user or potential user of banking services. Acustomer would include an account holder, or his representative, or aperson carrying out casual business transactions with a bank, or a personwho, on his own initiative, may come within the banking fold (TalwarCommittee Report 1976). The efficiency of a banking sector depends uponhow best it can deliver services to its target customers. In order to survive in

this competitive environment and provide continual customer satisfaction,the providers of banking services are now required to continually improvethe quality of services. The globalization of Indian economy has truly calledfor much more disciplined approach on the part of Indian banking sector toimprove the overall quality of customer services through smart use,absorption and adoption of flexible and appropriate information technology.It is seen that 5% increase in customer retention can increase profitability

by 35% in banking business, 50% in insurance and brokerage, and 125% inthe consumer credit card market. Therefore, banks are now stressing onretaining customers and increasing market share (Chothani et al. 2004). Afavorable climate for excellent service manifests itself in employeebehavior, for example, being attentive to customers, speaking favorablyabout the organization and its services. With frequent employee-customercontact, customers are more often exposed to such positive behaviors,

which in turn, affect customer satisfaction.


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Public sector Bank


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The term public sector banks is usedcommonly in India. This refers to banksthat have their shares listed in the stock

exchanges NSE and BSE and also thegovernment of India holds majority stakein these banks. They can also be termedas government owned banks.


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Private Sector Bank


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All those banks where greater parts ofstake or equity are held by the privateshareholders and not by government are

called as the private sector banks. Theseare the major players in the bankingsector as well as in expansion of thebusiness activities India. The present

private sector banks equipped with allkinds of contemporary innovations,monetary tools and techniques to handlethe complexities are a result of theevolutionary process over two centuries.


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Foreign Bank


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A foreign bank is one that has itsheadquarters established in a countrythat is outside India and has obtained

the permission from Reserve Bank ofIndia to carry out banking operationsinside India. Some of the foreign banksthat have branches in India are:

a. ABN AMROb. Bank of Americac. Bank of Ceylond. Barclays Banke. Citibank


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List of public sector Bank

Central bank

Reserve Bank of India

Nationalized banks Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India

Bank of Maharashtra

Punjab & Sind Bank

Punjab National Bank

State Bank of India State Bank of Bikaner &Jaipur

State Bank of Hyderabad

State Bank of Mysore

State Bank of Patiala

State Bank of Travancore

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http://en.wikipedia.org/wiki/Punjab_&_Sind_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Bikaner_&_Jaipurhttp://en.wikipedia.org/wiki/State_Bank_of_Hyderabadhttp://en.wikipedia.org/wiki/State_Bank_of_Mysorehttp://en.wikipedia.org/wiki/State_Bank_of_Patialahttp://en.wikipedia.org/wiki/State_Bank_of_Travancorehttp://en.wikipedia.org/wiki/Punjab_&_Sind_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Bikaner_&_Jaipurhttp://en.wikipedia.org/wiki/State_Bank_of_Bikaner_&_Jaipurhttp://en.wikipedia.org/wiki/State_Bank_of_Hyderabadhttp://en.wikipedia.org/wiki/State_Bank_of_Mysorehttp://en.wikipedia.org/wiki/State_Bank_of_Patialahttp://en.wikipedia.org/wiki/State_Bank_of_Travancorehttp://en.wikipedia.org/wiki/Syndicate_Bankhttp://en.wikipedia.org/wiki/State_Bank_of_Travancorehttp://en.wikipedia.org/wiki/State_Bank_of_Patialahttp://en.wikipedia.org/wiki/State_Bank_of_Mysorehttp://en.wikipedia.org/wiki/State_Bank_of_Hyderabadhttp://en.wikipedia.org/wiki/State_Bank_of_Bikaner_&_Jaipurhttp://en.wikipedia.org/wiki/State_Bank_of_Bikaner_&_Jaipurhttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Punjab_&_Sind_Bankhttp://en.wikipedia.org/wiki/Canara_Bankhttp://en.wikipedia.org/wiki/Canara_Bankhttp://en.wikipedia.org/wiki/Bank_of_Maharashtrahttp://en.wikipedia.org/wiki/Bank_of_Indiahttp://en.wikipedia.org/wiki/Bank_of_Barodahttp://en.wikipedia.org/wiki/Andhra_Bankhttp://en.wikipedia.org/wiki/Allahabad_Bankhttp://en.wikipedia.org/wiki/Reserve_Bank_of_India


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http://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9rale


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in India

ABN AMRO Bank N.V. (Now merged withRBS)

Abu Dhabi Commercial Bank

American Express Bank

Bank Internasional Indonesia

Bank ofAmerica NA Bank ofCeylon

Bank ofNova Scotia (Scotia Bank)

Bank of Tokyo Mitsubishi UFJ

HSBC

JPMorgan Chase Bank

Krung Thai Bank MashreqBankpsc

Mizuho Corporate Bank

Royal Bank of Scotland ShinhanBank

SocitGnrale

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http://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/ABN_AMROhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Krung_Thai_Bankhttp://en.wikipedia.org/wiki/Abu_Dhabi_Commercial_Bankhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/American_Express_Bankhttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/American_Express_Bankhttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/American_Express_Bankhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Mizuho_Corporate_Bankhttp://en.wikipedia.org/wiki/Bank_Internasional_Indonesiahttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Royal_Bank_of_Scotlandhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Shinhan_Bankhttp://en.wikipedia.org/wiki/Bank_of_Ceylonhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Bank_of_Nova_Scotiahttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Bank_of_Nova_Scotiahttp://en.wikipedia.org/wiki/Sonali_Bankhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Sonali_Bankhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/JPMorgan_Chasehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Krung_Thai_Bankhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Mizuho_Corporate_Bankhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Royal_Bank_of_Scotlandhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Shinhan_Bankhttp://en.wikipedia.org/wiki/Shinhan_Bankhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Sonali_Bankhttp://en.wikipedia.org/wiki/Sonali_Bankhttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_G%C3%A9n%C3%A9ralehttp://en.wikipedia.org/wiki/Shinhan_Bankhttp://en.wikipedia.org/wiki/Shinhan_Bankhttp://en.wikipedia.org/wiki/Royal_Bank_of_Scotlandhttp://en.wikipedia.org/wiki/Mizuho_Corporate_Bankhttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/Mashreq_Bankhttp://en.wikipedia.org/wiki/Krung_Thai_Bankhttp://en.wikipedia.org/wiki/JPMorgan_Chasehttp://en.wikipedia.org/wiki/HSBChttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Nova_Scotiahttp://en.wikipedia.org/wiki/Bank_of_Ceylonhttp://en.wikipedia.org/wiki/Bank_of_Americahttp://en.wikipedia.org/wiki/Bank_Internasional_Indonesiahttp://en.wikipedia.org/wiki/Bank_Internasional_Indonesiahttp://en.wikipedia.org/wiki/Bank_Internasional_Indonesiahttp://en.wikipedia.org/wiki/American_Express_Bankhttp://en.wikipedia.org/wiki/Abu_Dhabi_Commercial_Bankhttp://en.wikipedia.org/wiki/ABN_AMROhttp://en.wikipedia.org/wiki/ABN_AMROhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJ


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Sector Bank And private

Sector bank


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A private cector is an economy is madeup af all businesses

and firms owned by ordinary members

of the general public.

It also consist af all the privatehouseholds in which people live

whereas, public sector is an economy isowned and controlled by a government .It consist of government businesses andfirms ,and goods and services provided

by the government,such as the national
http://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJ


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Difference in Services


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Public sector banks are now not anymreless than the private sector banks. theyare also up to the mark and level of the

private sector banks, no doubt it willtake some more time to comecompletely up to that level.
http://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJ


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CONCLUSION


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Various traditional and IT enabledbanking services used by customers arestudied in the present paper. In addition,

customer satisfaction was alsomeasured with various dimensions. It isobserved that cheque deposit andcheque clearance were the most

common banking services used by thecustomers of all six banks. While thecharges levied by the bank on differentservices were perceived higher by thecustomers in private and foreign banks
http://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJ


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BANKING SERVICES ANDCUSTOMER SATISFACTION


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17 mostly delay in transaction and extra

charges. Hence, the study throws lighton different aspects and drawback of

services of the nationalized, private andforeign banks.

Training on stress management andpublic dealing should be imparted to theemployees of nationalized banks.

Nationalized banks need to improvetheir infrastructure and ambience to

compete with private and foreign banks
http://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJ


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3/20/12 USHA MARTIN ACADEMY

Clickicontoaddpicture

USHA MARTIN ACADEMY 18

Thank

You
http://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJhttp://en.wikipedia.org/wiki/Bank_of_Tokyo_Mitsubishi_UFJ

Documents

PPT on Comperative Stuidy on Service Quality Between a Private BANKS by ANUP KUMAR OJHA (UMA)