A

Project Report on Company analysis

ForINDUSTRIAL DEVELOPMENT BANK OF INDIA &

AXIS BANK.

In the partial fulfillment of subject - Enterprise analysis (Desk Research)-115 Semester-I

Of Master of Business administration

SUBMITTED BY

Mr. Sany Kishor Ambilwade

UNDER THE GUIDANCE OF

PROF. S.B.Shaikh

SUBMITTED

Savitri bai phule Pune University

Global Institute of Management132/1 Nasik –Pune Highway, Velhale,

Sangamner – 422605.

(Batch 2015-17)

DECLARATION

We, the undersigned, hereby declare that the Project Report of Enterprise analysis

(Desk Research)-115 Semester-I for “INDUSTRIAL DEVELOPMENT BANK OF INDIA &

AXIS BANK. submitted by us to University Of Pune, in partial fulfillment of the

requirements for the award of degree of Master of Business Administration (M.B.A.) under

the guidance of Prof. S. B. SHAIKH. Is our original work and the conclusions drawn there in

are based on the material collected by myself.

Place: Sangamner Signature of Students

Date: Mr. Sany Kishor Ambilwade

Acknowledgement

It is a matter of great satisfaction and pleasure to present this report on “Enterprise

analysis. I take this opportunity to owe my thanks to all those involved in my training.

This project report could not have been completed without the guidance of Prof.

SHAIKH S.B. I express my gratitude towards Dr. A. A. DESHMUKH Sir (Director, Global

Institute of Management), his timely help & encouragement helped me to complete this

project successfully. Without which the project work could not have been completed.

Research Students

Mr. Sany Ambilwade

College Certificate

This is to certify that the project on Enterprise Analysis for MBA-CBCS 2013 pattern

Semester –I For the academic Year 2015-16 was submitted in the partial fulfillment of

requirement of Master’s Degree in Business Administration Programme of University of

Pune, and embodies the bonafide work carried out by

Mr. Sany Ambilwade

We find the work complete, comprehensive and of significantly high standard to warrant its

presentation for the purpose of MBA examination.

Project Guide Director

(Prof.S. B. SHAIKH) (Dr. A.A. DESHMUKH)

External

INDEX- COMPANY 1

S.N. Topic Page No.

1 Introduction of Company

Introduction

History

Vision & Mission

Awards , Achievements & Certifications

2 Research Methodology

3 Product Profile

4 Competitors & Customers

5 Financial Data

References

INDEX- COMPANY 2S.N. Topic Page No.

1 Introduction of Company

Introduction

History

Vision & Mission

Awards , Achievements & Certifications

2 Research Methodology

3 Product Profile

4 Competitors & Customers

5 Financial Data

References

COMPANY -1

INDUSTRIAL DEVELOPMENT BANK OF INDIA

Chapter No.1

1.1 Introduction of Company1.2 History1.3 Vision & Mission1.4 Awards, Achievements & Certificate1.5 SWOT Analysis

1.1 Introduction of Company

Name : IDBI BANK

Type : Government own bank

Founded on : July 1964

Slogan : “bank aisa dost jaisa”

Product : Corporate banking,

: Financial banking.

Founded by : M.S.Raghvan (chairman & M.D.)

NSE Code : IDBI

BSE Code : IDBI 500116A

Web site : www.idbi.com

HISTORY

IDBI is an Indian government owned financial service company, formally known as (IDBI) Headquarter in Mumbai. It was established in 1964 by an act of parliament to provide credit and other financial facility for the development of the fledging Indian Industry. IDBI is on of the leading government bank in India.

It is currently 10th largest development bank in the world in terms of reach, with 3000 ATMs,1746 branches

IDBI Bank is on a par with nationalized banks and the SBI group as far as government ownership is concerned. It is one of the 27 commercial bank owned by the government of India

VISION

To be the most Preferred and trusted bank enhancing value for all stakeholder.

MISSION

Delighting customer with our excellent services and comprehensive suite of best in class financial solutions touching more people lives with our expanding retail footprint while maintaining our excellence on corporate and infrastructure financing .

Becoming the role model for corporate governance.

AWARD AND ACHIEVEMENT

IN 2011 it received “BANKING TECHNOLOGY AWARD” for best use of business intelligence and best risk management from Indian bank association.

It receives the “OVER ALL BEST BANK and “BEST PUBLIC SECTOR BANK” award in dun and backstreet banking award in 2011

IDBI bank was ranked 1197 in the forbs global 2000 in may 2013

IDBI AWARDED ISO 27001:2013 for security management system.

IDBI AWARDED ISO 9001:2008 for providing consistent standard of quality services.

BOARD OF DIRECTORS

SWOT ANALYSIS

Strengths of IDBI Bank

1. The banks major strength is it involves latest cutting edge technologies to support its core banking operations

2. The bank has network of 943 branches and 1529 ATMs

3. The total turnover of the bank is 3,37,584 cores in the last FY 2010-11, and earned a net profit of Rs.1650 cr.

4. The bank has grown at a rate of 60% compared to previous year

5. IDBI has the first mover advantage in opening ‘G-sec portal’. This is a platform for the retail investors to invest in government securities

6. IDBI is one of the largest commercial banks in India which focuses on industrial infrastructure and development

7. IDBI’s product portfolio includes 14 broad

classifications, and there are some sub categories in each. The bank has customized solution faculties for its industrial clients

8. The location of its head quarters in Mumbai fosters the growth of the bank

9. IDBI’s subsidiaries are into capital market services, IT services, facet management and life insurance

Weaknesses of IDBI bank

1. IDBI has less penetration into the rural market

2. IDBI has very less number of branches and ATM network compared to other major players

3. It concentrates mainly on commercial banking services whereas the individual banking services is where the main revenue lies.b

4. The customer help desk is not performing efficiently and there are many unresolved issues of customers

5. The bank has lots of consumer complaints with respect to servicing charges

6. The bank lacks in promotional activities

Opportunities for IDBI bank

Scope for bagging government schemes are high as IDBI belongs to public sector

Global opportunities for IDBI are the rise as the management is keenly focusing on global expansion in next few years

They have a good number of financial expertise to face the emerging industrial and economic growth in India

It is the only bank in public sector which has enabled social media plug-in in its website. This has increased the brand awareness and better reach to its customers

1. The bank has good opportunities in semi-urban and Tire II cities areas as the industrial growth is taking very rapidly

Threats for IDBI Bank

1. IDBI faces tough competition in terms of new market development due to competition from both government and private banks

2. FDI in Indian banking has been opened up to 74% by the RBI

3. In private banking HDFC, ICICI and in public sector SBI, Punjab National Bank, Andhra bank and Allahabad bank are the major competitors

4. The bank has to focus on improving the customer satisfaction in order to sustain the loyal customers

5. Recent scams and fraudulent activities of bank have gained mistrust from its customers and investors

Threats for IDBI Bank

IDBI faces tough competition in terms of new market development due to competition from both government and private banks

FDI in Indian banking has been opened up to 74% by the RBI

In private banking HDFC, ICICI and in public sector SBI, Punjab National Bank, Andhra bank and Allahabad bank are the major competitors

The bank has to focus on improving the customer satisfaction in order to sustain the loyal customers

Recent scams and fraudulent activities of bank have gained mistrust from its customers and investors

Weaknesses of IDBI bank

IDBI has less penetration into the rural market

IDBI has very less number of branches and ATM network compared to other major

players

It concentrates mainly on commercial banking services whereas the individual banking

services is where the main revenue lies.

The customer help desk is not performing efficiently and there are many unresolved issues

of customers

The bank has lots of consumer complaints with respect to servicing charges

The bank lacks in promotional activities

Chapter No .2

ResearchMethodology

RESEARCH METHODOLOGY

Tools and techniques for Data Collection:

1. Secondary Data: - Secondary data was collected from books, articles, Wikipedia and

also website of bank and previous research papers that had been conducted by the

company representatives and officials.

Tools and techniques of Analysis:

Simple statistical tools and techniques like average, ratios, pie charts, tables and graphs in

addition to factor analysis method are used to analyze the data

Chapter No .3

Product Profile

Product line

24hour banking- IDBI INTERNET BANKING:-

i) A/c information.

ii) De-mate a/c information

iii)online instruction and request

iv)online payment services

v)bill payment

Lone services

Fixed deposits and lockers

Preferred banking

Insurance services

Card services

Flexi current account

Trust ship

Pradhanmantri social security scheme

Sukanya samriddhi account

Chapter No .4

Competitors &Customers

These are the Leading competitor of IDBI BANK

Customer segment

1) Age wise

i) kids – insurance policies

ii) senior citizens –pension policies

2) Level of income

i) lower income – saving a/c

ii) high income – fixed deposit

3) Employees

i) share holders – Dmat a/c

ii) collection agents- current a/c

Chapter No. 5

Financial Data

As on 31 March 2014, Government of India held 76.72% shares in IDBI Bank. Over 4 lakh public shareholders owned 8.75% of its shares. Insurance companies held approx. 12.32% of the shares

while remaining 7.21% shares were held by others

References

www.IDBI.Com studyMode.com Wikipedia.com Www.Money control.com Www.Bse.com Book of research methodology

COMPANY -2

AXIS

BANK

INDEX- COMPANY 2

S.N. Topic Page No.

1 Introduction of Company

Introduction

History

Vision & Mission

Awards , Achievements & Certifications

SWOT ANALYSIS

2 Research Methodology

3 Product Profile

4 Competitors & Customers

5 Financial Data

References

Chapter No.1

1. Introduction of Company2. History3. Vision & Mission4. Awards, Achievements & Certificate5. SWOT Analysis

INTRODUCTION

NAME. : AXIS BANK

TYPE. : Private bank

FOUNDED BY. : Shikha sharma chairman

(CEO and MD)

FOUNDED IN :1990(As UTI Bank)

SLOGAN : BADHATI KA NAM ZINDAGI

PRODUCT : Banking and financial

: services

NSE CODE. : AXISBANK

BSE CODE. : 532215

WEBSITE. : www.axisbank.com

History

UTI Bank opened its registered office in Ahmedabad and corporate office in Mumbai in December 1993. The first branch was inaugurated on 2 April 1994 in Ahmedabad by Dr.Manmohan Singh, then Finance Minister of India. UTI Bank began its operations in 1994, after theGovernment of India allowed new private banks to be established.

The Bank was promoted in 1993 jointly by the Administrator of the  Unit Trust of India (UTI-I), Life Insurance Corporation of India (LIC), General Insurance Corporation, National Insurance Company, The New India Assurance Company, The Oriental Insurance Corporation and United India Insurance Company.

VISION

To be one of the The Bank was promoted in 1993 jointly by the Administrator of the Unit Trust of India (UTI-I), Life Insurance Corporation of India (LIC), General Insurance Corporation, National Insurance Company, The New India Assurance Company, The Oriental Insurance Corporation and United India Insurance Company. respected corporate foundations in the country excelling in project management and contributing significantly to create factors responsible for sustainable livelihoods.

MISSION

ABF's mission is based on the classical theory of development wherein sustainable livelihood is defined as the livelihood which can cope with and recover from stress and shocks, maintains or enhances capabilities and assets and create conditions that are suitable for better education, health and sanitation seeking behavior and sustainable livelihood for the next generation.

It aims to support programs, projects and activities that focus on creating conditions suitable for sustainable livelihood. For this endeavor, ABF partners with civil society organizations and provide them with financial, technical and capacity development support to make positive contributions in the lives of the underprivileged and vulnerable communities

AWARD'S AND ACHIEVEMENT

1. Mobile Banking Initiative of the Year - India, Asian Banking and Finance (ABF) Retail Banking Awards 2015

2. Advertising Campaign of the Year - India, Asian Banking and Finance (ABF) Retail Banking Awards 2015

3. Axis bank has been awarded the title of Superbrand 2014-2015, by Superbrands

4. No. 1 Promising Banking Brand of 2015, ET Best Brands 2015

5. Fastest Growing Large Bank- BW Businessworld Magna Awards 2014

6. Best Corporate Payment Project- The Asian Banker Technology Implementation Award 2015

7. Best HR System Project -The Asian Banker Technology Implementation Award 2015

8. Axis Bank felicitated at CNBC Awaaz Act for Good Governance Summit 2015

9. Axis Bank wins 'Bank of the Year in India' for the year 2014- Banker Magazine, Financial Times

10. Best Bank for Asian Currencies-Euromoney FX Survey 2014

11. Axis Bank featured for the fourth time in Asia's Fab50 companies for 2014 by Forbes

SWOT ANALYSIS

SWOT analysis of Axis Bank

Here is a SWOT of Axis Bank – One of the fastest growing banks in India.

Strengths

Axis bank has been given the rating as one of top three positions in terms of fastest growth in private sector banks

Financial express has given number two position and BT-KPMG has rated AXIS bank as the best bank with some 26 parameters

The bank has a network of 1,493 domestic branches and 8,324 ATMs The bank has its presence in 971 cities and towns The banks financial positions grows at a rate of 20% every year which is a major

positive sign for any bank The company’s net profit is Q3FY12 is 1,102.27 which has a increase of 25.19%

growth compared to 2011

Weaknesses

Gaps – Majorly they concentrated in corporate, wholesale banking, treasury services, retail banking

Foreign branches constitute only 8% of total assets Very recently the bank started focusing its attention towards personal banking and

rural areas The share rates of AXIS bank is constantly fluctuating in higher margins which makes

investors in an uncomfortable position most of the time There are lot of financial product gaps in terms of performance as well as reaching out

to the customer There are many fraudulent activities involved in credit cards as the banks process

credit card approval even without verification of original documents Their financial consultants are not wise enough to guide the customers towards right

investments Customer service has to improve a lot in order to be in race with other major players

Opportunities

Acquisitions to fill gap

In 2009, Alliance with Motilal Oswal for online trading for 10 million customers In 2010, acquired Enam Securities Pvt Ltd – broking and investment banking In Sep 2009, SEBI approved Axis Asset Management Co. for mutual fund business No. of e-transactions increased from 0.7 million to around 2 million Geographical expansion to rural market – 80% of them have no access to formal

lending

46% use informal lending channels 24% unregulated money lenders Now number of branches increased to 1493 from 339. Last quarter there were 48 new branches opened across the Nation Since it’s a new age banking there are lot of opportunities to have the advance

technicalities in banking solutions compared to existing major players The assets in their international operations are growing at a very faster pace with a

growth rate of 9%. The concept of ETM (Everywhere teller machine) by AXIS Bank had a good response

in terms of attracting new customers in personal banking segment

Threats

Since 2009, RBI has increased CRR by 100 basis points Increased repo rate reverse repo rate by 50 points – 11 times of late Increasing popularity of QIPs due to ease in fund raising RBI allowed foreign banks to invest up to 74% in Indian banking Government schemes are most often serviced only by govern banks like SBI ,Indian

Banks, Punjab National Bank etc ICICI and HDFC are imposing strong threats in terms of their expansion in customer

base by their aggressive marketing strategies

Chapter No .2

ResearchMethodology

RESEARCH METHODOLOGY

Tools and techniques for Data Collection:

2. Secondary Data: - Secondary data was collected from books, articles, Wikipedia and

also website of bank and previous research papers that had been conducted by the

company representatives and officials.

Tools and techniques of Analysis:

Simple statistical tools and techniques like average, ratios, pie charts, tables and graphs in addition to factor analysis method are used to analyze the data

Chapter No .3

Product Profile

Card To Card Money Transfer, Currency Exchange, Demat Services, Direct Tax Payment, Electronic Clearing Service, Mobile Phone Banking, Multi City Cheque Facility, Net Banking, Pension Disbursement, Personal Tax Assistance And Investment, Portfolio Management, Retail Sale Of Gold Coin, Travellers Cheque, Wealth Management Service

Bill Payment Services, Credit Card

Facility, Current Account, Debit Card Facility, ECS Facility, Internet Banking, Loan Facility, Locker

Facility, Mobile Banking, Phone Banking, Savings Account

Commercial Vehicle Loan, Consumer Goods Loan, Educational Loan, Four Wheeler Loan, Home Improvement Loan, Housing Loan, Loan Against Deposit, Loan Against Gold, Loan Against Property, Loan Against Share, Loan Against Vehicle, Personal Loan, Two Wheeler Loan

Chapter No .4

Competitors & Customers

Revenue 340 billion (US$5.1 billion) (2012)

Operating income 94 billion (US$1.4 billion) (2012)

Net income

52 billion (US$790 million) (2012)

Total assets 3.4 trillion (US$51 billion) (2012)

CONSUMER SEGMENT

Age wise

kids – insurance policies

senior citizens –pension policies

Level of income

. lower income – saving a/c

high income – fixed deposit

Employees

share holders – Dmat a/c

. collection agents- current a/c

Financial data

Revenue ₹340 billion (US$5.1 billion) (2012)[2][3]

Operating income₹94 billion (US$1.4 billion) (2012)[2]

[3]

Net income₹52 billion (US$790 million) (2012)[2][3]

Total assets ₹3.4 trillion (US$51 billion) (2012)[2]

[3]

Number of employees 42,420 (on 31-March-2014)

References

www.axixbank.Com studyMode.com Wikipedia.com Www.Money control.com Www.Bse.com Book of research methodology