sip kiran report

SUMMER INTERSHIP PROGRAM

AT

STATE BANK OF INDIA

KURHA BRANCH

Submitted By

Mr. KIRAN A. PATIL

Guided By

Prof. S. K. SINGH

DEPARTMENT OF MANAGEMENT STUDIES

P.R. Patil College of Engineering & Technology

Kathora Road Amravati

2014-2015

1

DECLARATION

I hereby certify that, I Mr. Kiran A. Patil have successfully completed my SIP project Report

is a work carried out at State Bank of India (Amravati) is a genuine and benefited work

prepared by us under the guidance of our internal project guide

This project was undertaken as a part of academic curriculum according to the Institute rules

and norms and it has not commercial interest and motive.

The project report is submitted to university as a partial fulfillment of Masters Degree course in

Business Administration.

Date: KIRAN A. PATIL

Place:

2

INTRODUCTION

This project work is pursued as a part of MBA (Marketing) Curriculum at P.R. Patil Institute

of Management Studies. It is undertaken as a traineeship at STATE BANK OF INDIA. The

project is done under expert supervision and guidance of Mr. SUBHASH C. SARASWAT

(BM SBI Kurha)

Project is an opportunity given to management students where one gets an insight into the Practical aspect day to day working in real timing expend in the industry which conducted by selfAnd process of an act theoretical & product knowledge that one requires things in business school The project is undertaken to study of retail procedure are as following in SBI

The real aspects behind the project particular combination is decided in that banking procedure

& Marketing product in the banking moratorium period is

UNDERSTANDING THE BASIC

The first phase of the project started with collection of the basic information about banking

concept and product information as per the suggestions to real timing expends at global

banking network applied for day to day transactions or marketing of SBI.

At SBI Kurha., The study was imparted process and product knowledge. We got sufficient time to

know about the various products and also various sales technique and sales skill. We had to work with

the sales representati1ve and think of ways of improving the sales and customer satisfaction. The main

aim was to increase sales and for this different ways were tried and implemented. We were provided

with a database and had to make calls from the data. Company’s activity was also one of the major

sources for generating business. Main objective was to know the need of the customers and how to

fulfill that in the best way.

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DEPOSIT ACCOUNT:-

1) Savings Account:-

The SBI gives various saving banking services to their customers’ needs and

importance of transactions in the various types of customers in their provided in SBI

branches and locations as per the customer’s services required in particular saving

banking service head. In this branches all services available.

SBI saving banking provide the services as per the various term/ conditions in their

offices & branches.

A) ONLINE ACCOUNTS APPLICATION FACILITY TO APPLY FOR SAVINGS

BANK ACCOUNT ONLINE:-

The Bank has been offering e-TDR/e-STDR/e-RD to its Savings Bank customers.

A) Facility to open Savings Bank Account online from Retail clients has been

developed. E-Circular no:-895/2012-13 data: 04th Dec, 2012 gives the detailed process-

flow of the Online Savings Bank Account Application (OSBAA) facility with screen-

shots of the relevant screens.

B) To make available an avenue for saving for old age to all sections of society,

PFRDA has launched a separate model to provide NPS to the employees of corporate

entities, including PSUs since December 2011. This model is titled “NPS Corporate

Sector Model”. (E-cir: 899/2012-13 data: 05th Dec’2012)

B) Deposits of Rupees one core and above are classified as ‘Bulk Deposit’

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DepositAccount

Saving Account

Current

Current Account:-

As per the saving banking accounts current accounts services is provided in the SBI

and all the above transactions handle but for the current accounts have an various

terms and conditions is stranger than the saving banking process and services.

No limits for the transactions in their services

Actual performance is on the business firms usually perform

No passbook issues for this types of customers

Limits for deposits are concern.

SBI’S ALTERNATE CHANNELS:-

ATM:-

State Bank Group has in its stable, variants of ATM’s namely bunch note acceptors, bio metric

ATM’s low cost rural ATM’s, solar powered ATMs multi- function kiosks for printing

passbooks, statement of accounts, bar code readers for utility bill payments, internet banking

etc., while cash deposit facility has been activated at some of the ATM’s we are now going to

deploy a large number of cash deposit machines at ATM locations which customers can

use .we plan to deploy another 600 cash deposit machines this year. Cash out incidents in

ATMs have been eliminated.

5

MOBILE BANKING:-

As 31st march there were 3.65 million customers using the service with more than 1.20 laces

daily transactions, around 46% of which are financial transactions amounting to Rs2.45crpres.

SBI is the market leader in the space, both in the number and value of the financial transactions

with 83.70% market share in number of transactions and 49% share in transaction value

(source:- RBI data on mobile banking transactions – fib 2012)

State Bank Freedom Premium, the new GPRS based mobile technology based prepaid payment

services under the brand name of SBI MOBI CASH on pilot basis in Delhi and Mumbai circles

of the bank.

INTERNET BANKING:-

Internet banking service is available through www.onlone sbi.co.in for both retail and

corporate customers of the bank retail internet banking SBI INSTAPAY for utility bills

payment, corporate internet banking sacral simplified

Single user corporate internet banking facility for small entrepreneurs etc. has been added

during the year.

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http://www.onlone/

ATM MB IB

60 22 18

SBI CHANNELS

AGRICULTURAL LOANS:-

Agricultural loans are available for a multitude of farming purposes. Farmers may apply for

loans to buy inputs for the cultivation of food grain crops as well as for horticulture,

aquaculture, animal husbandry, and floriculture and sericulture business. There are also special

loans to finance the purchase of agricultural machinery such as tractors, harvester and trucks.

Construction of biogas plants and irrigation systems as well as the purchase of agricultural land

may also be financed through special types of agricultural finance.

Loan taken for the agricultural purpose is called agricultural loans. A loan is type of debt. Like

all debt instruments a loan entails the redistribution of financial assets over time, between the

lender and the borrower. In a loan the borrower initially receives or borrows an amount of

money, the loan is generally provided.

Types of loans

Secured

Unsecured

Demand

Subsidized

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TYPES OF AGRICULTURAL LOANS

1) Crop loan

Crop loans are given for individual as farmers short-term for raising crops, i.e., for crop loans.

This will include traditional /non-traditional plantations and horticulture crop loans are given

as per teams and conditions of NABARD and central government and state government of

India.

Crop loan policies for irrigational lands

Crop loan policies for un irrigational land

Loan for orange trees will be 280rs per trees

Crop loan or rural agricultural area Crop loan for urban agricultural area

2) TRACTOR LOAN

For more cultivation and to reduce man power and work become easier, faster and for

increasing agricultural production bank provide loan to purchase the tractor as per the

NABARD tractor financing.

1) NATIONAL AGRICULTURAL INSURANCE E-SCHEME (NAIS)

Crops Covered:-

Food crops &oilseeds & annual commercial/horticultural crops

Farmers Covered:-

Covers all farmers, including sharecroppers, tenant farmers Loaned farmers are covered on

compulsory basis, while non-loaner farmers are covered on voluntary basis.

Risks Covered:-

Basically all-risk insurance covering all yield losses due to natural, non-preventable risks

Premium Rates:-

Premium rates may range from 1.5% to 3.5% food crops & oilseeds and on commercial lines

for annual commercial horticultural crops.

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2) MULTIPLE FINANCING:-

In majority of the cases, the landowners are availing the crop production finance from the

showing land records as if they are cultivating lands. In such cases, financing tent

3) HEALTH INSURANCE SCHEME:-

Health hazards jeopardize the activities of the Tenant farmers, as they are not in position to

beer with the unexpected financing.

LOANS TO SMALL AND MERRGIANAL FARMERS FOR PURCHASE OF LAND

FOR AGRICULTURAL URPOSEES

CROP20%

TRACTOR20%

NAIS20%

MF20%

HIS20%

Agricultural loans types

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COMPANY PROFILE

SBI BRANCH DETAIL

Branch office Name : Kurha

Branch Code : 04919

Address : At Po Kurha Tq. Tiosa Dist. Amravati

City Pin : 444709

District : Amravati

State : Maharashtra

Email add : [email protected]

Branch circle : Mumbai

Branch Type : Regular Branch

Bank Business hours : 10:30 To 16:30

Contents to the Branch performing with customers

Evolution of banking channels

Refining channel strategy

Achieving competitive cost of operation

Becoming the provider of choice

Business and technology strategy alignment

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mailto:[email protected]

MANAGEMENT

Offices, branches and agencies.-

(1) Unless otherwise provided by the Central Government, by notification in the Official

Gazette, the Central Office of the State Bank shall be at 29[Mumbai, and shall also be known

as Corporate Centre].

(2) The State Bank shall have local head offices in 30[Mumbai, Kolkata and Chennai] and at

such other places in India as the Central Government, in consultation with the Central Board,

may determine.

(3) The State Bank shall maintain as its branches or agencies all branches or agencies of the

Imperial Bank which were in existence 31[in India] immediately before the appointed day, and

no such branch may be closed without the previous approval of the Reserve Bank.

(4) The State Bank may establish branches or agencies at any place in or outside India in

addition to the branches or agencies referred to in sub-section (3).

(5) Notwithstanding anything contained in sub-section (4), the State Bank shall establish not

less than four hundred branches in addition to the branches referred to in sub-section (3) within

five years of the appointed day or such extended period as the Central Government may

specify in this behalf, and the places where such additional branches are to be established shall

be determined in accordance with any such programmed as may be drawn up by the Central

Government from time to time in consultation with the Reserve Bank and the State Bank, and

no branch so established shall be closed without the previous approval of the Reserve Bank.

Management:-

(1) The general superintendence and direction of the affairs and business of the State Bank

shall be entrusted to the Central Board which may exercise all powers and do all such acts and

things as may be exercised or done by the State Bank and are not by this Act expressly directed

or required to be done by the State Bank in general meeting.

(2) The Central Board in discharging its functions shall act on business principles; regard

being had to public interest.

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Central Board to be guided by directions of Central Government:-

(1) In the discharge of its functions 32[including those relating to a subsidiary bank], the State

Bank shall be guided by such directions in matters of policy involving public interest as the

Central Government may, in consultation with the Governor of the Reserve Bank and the

chairman of the State Bank, give to it.

(2) [All directions shall be given by the Central Government]33 and, if any question arises

whether a direction relates to a matter of policy involving public interest, the decision of the

Central Government thereon shall be final.

Composition of the Central Board:-

The Central Board shall consist of the following, namely

MAIN BRANCH MUMBAI

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VARIOUS PERFORMANCES BY BRANCH

The steps to be followed in making a new distribution channel successful:

(a) Understand customers’ current channel/transaction behavior and their underlying attitude;

(b) Use sophisticated experimental customer research to assess the economic impact of tactics

designed to change that behavior;

(c) Develop an integrated channel migration plan which blends economic and non-economic

incentives to ensure that right initiatives are targeted at the right customers; (d) Protect sales

effectiveness by utilizing the ability of non-branch channels to select amongst prospects and

differentiate the marketing message;

(e) Design non-branch channels to emphasize personalized interaction to counteract decreased

loyalty among remote customers;

* Remarks by Shri Vela Kamesam, Deputy Governor, Reserve Bank of India at the Twenty-

Fifth Bank Economists’.

Current trends

Mobile:-

This could be the primary contact channel by 2015. People are mobile, so we need to be. We're

working on a new platform, including peer-to-peer money transfers by touching phones

together.

Social networks:-

This is a bigger issuer than even the crisis. We need to be where the customer is. People are

time-poor and trust their networks more than our brand.

Finally, banks have to cooperate with each other. There are huge opportunities out there, but

we are too small to go it alone on the innovation path.

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Various Types of Borrowers Minor: -

As per S 11 of Indian Contract Act, a contract with minor is void abs initio (from the

beginning). Money lent to a minor can’t be recovered from him even after he attains majority.

But if the money is spent for the necessaries or for the benefit of his estate, the minor’s estate

would be liable.

Joint Hindu Family (JHF):-

All adult co-parcener are required to sign the security documents. If a Joint Hindu Family has a

minor co-parcener, his guardian should sign the documents on his behalf to bind the minor’s

interest in the JHF. Loan granted to a JHF binds the share of the minor in JHF property, but not

his personal property, if any. Loan granted for a business which is not a central will not bind

the co-parcener.

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Partnerships: All partners are jointly and severally liable for all the debts of the firm. The

liability of the partners is unlimited. The properties of the firm as well as the properties of

individual partners are liable for the satisfaction of the liabilities of the firm. Guarantee of the

partners in their personal capacity is also obtained. This is done with a view to ensure that the

Bank will rank along with the private creditors of the partners to claim the dividend from the

personal property of the partners, in case of their insolvency. RBI has decided to prohibit

NBFCs (both deposit and non deposit taking) from contributing capital to any partnership firm

or to be partners in partnership firms. In cases of existing partnerships, NBFCs may seek early

retirement from the partnership firms.

Trust:-

No trustee can delegate his power to the other parties for operation of the account. An advance

can be granted to a Trust only if the trust deed gives power to borrow money. In the case of

advances to Public Trusts, prior permission of the Commissioner of Charity is to be obtained.

Liquidator: Official liquidator of a company is appointed by the court and the court’s specific

sanction for the borrowing must be obtained. Generally no advance is granted to the liquidator.

Receiver:-

Receiver is appointed in respect of individuals and firms who have declared insolvency.

Generally no advance is granted to the Receiver.

Companies:-

Memorandum of Association (MOA) is the basic charter of the Company. It defines the

existence and operations. The borrowing powers of the company are contained in the Moa. It

defines the company’s name, objects and purpose, authorized capital, liability of the members,

address of registered office etc. Articles of Association (AOA) contain the rules and

regulations regarding the operations of the company. It deals with matters such as the rights

and powers of directors, proceedings of the meetings, delegation of powers etc. Certificate to

commence business is required in case of public limited companies.

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SERVICES OF AN SBI

SBI CRDS & PAYMENTS SERVICES PVT.LTD (SBICPSL)

SBICPSL, the only standalone credit card issuing company in India, is a joint venture between

state bank of India and GE Capital Corporation, wherein SBI holds a 60% stake.

The “cards in force” (CIF) of the company stood at 22.25lacs as at 31 st march 2012. The

average receivable stood at Rs2, 178crores as at the end of March 2012 as against Rs1,

795crores at the end of March 2011.

SBI LIFE INSURANCE COMPANY LIMITED (SBILIFE)

SBI life is joint venture Company between SBI and BNP Paribas Cardiff, in which SBI holds a

74% stake. SBI life has a unique multi distribution model comprising retail agency and

institutional alliances and corporate channels for distribution of insurance products. The gross

premium of the company crossed.

SBIFUNDS MANAGEMENT PVT LTD. (SBIFMPL)

SBIFMPL, the asset management company of SBI mutual fund, is the 6th largest fund house in

terms of “average assets under management” and is a leading player in the market with 6

million investors.

The annual rankings have improved for almost all equity schemes the schemes mf the fund

house has performed consistently over the years, and has emerged as the preferred investment

for investors.

SBI GLOBAL FACTORS LTD (SBIGFL)

SBIGFL is one of the leading factoring companies in India which has the highest market share

in domestic as well as export & import factoring. The company incurred a loss of

Rs66.78crores during the year ended 31st.03.2012 as against a loss of Rs125.62crores incurred

during the year ended 31st.03.2011. The company has turned around and has started making

operating profits since 2011.

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SBI PENSION FUNDS PVT LTD (SBIPF)

SBIPF is of the three pension fund managers (PFM) appointed by pension fund regulatory &

development authority (PFRDA) for management of pension funds under the national pension

system (NPS) for central government and stage government employees.

PFRDA has appointed 4 more PFMs for the informal sector under the NPS. The company

maintained its lead position amongst the 7 pension fund managers in terms of AUM, for both

the organized and informal sectors.

SBI GENERAL INSURANCE COMPANY LTD (SBIGIC)

SBIGIC IS a joint venture between state bank of India and IAG Australia, in which SBI holds

a 74% stake.

SBIGIC HAS completed its second year of full operation during FY2011-12.

Gross written premium stood at Rs250crores as at 31st mar 2012.

SBI SG BLOBAL SECURITIES SERVICES PVT LTD (SBISG)

SBISG, a joint venture between state bank of India and fact general was set up to offer high

quality custody and fund administration services to complete the bouquet of financial services

on offer by a financial conglomerate.

SBISG commenced commercial operations in custody in may2010 and fund accounting

services in 2010 The assets under custody as on 31st march 2012 stood at Rs28, 659.47crores

while the assets under administration were at Rs42, 674.35crores.

SBI CAPITAL MARKET LIMITED

SBICAP is full service investment banking outfit offering project advisory services,

arrangements for structured finance, capital market services like equity issuances, mergers &

acquisitions and arrangement for privet equity, etc. SBICAP is a leader in India in project

finance, with over 40% market share.

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SBICAP SECURITIES LIMITED (SSL)

SSL, a wholly owned subsidiary of SBI capital markets ltd, besides offering equity broking

services to retail and institutional and institutional clients both in case as well as in futures and

options segments, is also engaged in sales and distribution of other financial products life

mutual funds, etc. SSL has 89 branches and offers e-banking and e-mf services to both retail

and institutional clients. SSL currently has more than 2.52 lace customers on their books.

SBICAPS VENTURES LIMITED (SVL)

SVL is a wholly owned subsidiary of SBI capital markets LTD. SVL earned a net profit of RS

0.23 Cr during 2011-12 as against RS 0.56 corer in 2010-11.

SBICAP TRUSTEE CO. LTD. (STCL)

STCL, a wholly owned subsidiary of SBI capital markets ltd, which commenced security

trustee business with effect from 1st august 2008, has earned a frosts income of RS 11.6 cores

and net profit of RS 5.86 cores during 2011-12 as against gross income of 8.31 corer and net

profit of 4.43 cores during 2010-11.

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OBJECTIVES OF PROJECT

1. To introduced the retail banking process & as a commercial and financial concept.

2. To understand the basic concept of the retail banking on the detail term /conditions

3. To study the retail banking services process of bank

4. To study the scheme of banks

5. To obtain the total practical of knowledge about deposit and loans and advances NPA etc.

6. To draw the conclusion regarding the retail banking services.

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SIP REPORT

FIRST WEEKLY REPORT

(12-JUNE TO 18-JUNE)

Date Day Work done by the Student12-JUN-14 THU

STICK TICKETS TO ENVELOP AND NOTHING. I HAVE DONE THIS WORK WHOLE DAY FROM 11 TO 5:30 PM

13-JUN-14 FRI

CROP LOAN , PRIMARY SECURITY, SECONDARY SECURITY, LOAN IS GIVEN TO CUSTOMER AFTER FIVE STAGES I) PRESANCTION INSPECTION II) ACCESSMENT OF LIMIT III) RECCOMENDATION IV) SACNTION V) CONTROLUNDERSTAND COLLATERAL SECURITY

14-JUN-14

SAT

STICK TECKETS ON KYC ENVELOPS. MANAGER SIR TOLD ME ALL ABOUT KYC. UNDERSTAND THE “POWER” TERM IN SBI. MEANS HOW MUCH POWER EACH EMPLOYEE HAVE.

16-JUN-14 MON

I HAVE DONE ENQUIRY ….. ABOUT EMPLOYEES AND WORKING CONDITION OF ORGANISATION …WRITE ALL EMPLOYEES NAME WITH DESIGNATIONUNDERSTAND THE TERM NET BANKING AFTER THAT I SIT IN THE CROP LOAN DEPATMENT AND UNDERSTAN MPL AND LOAN LIMIT

17-JUN-14 TUE

UNDERSTAN HOW BANK GIVES LOAN TO THE CUSTOMER AT DIFFERENT RATE OF INTEREST IN DIFFERENT MONTHS. SUCH AS BANK GIVES LOAN AT THE RATE 7% FOR RABI YIELD FROM JULY TO JANWARY. IT CHANGES AFTER JANWARY TO MARCH TO 12% AND SO ON.

18-JUN-14 WED

Understand how to feed gold loan, wrote credit vouchers for nil certificate.

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SECOND WEEKLY REPORT

(19-JUNE TO 25-JUNE)

Date Day Work done by the Student19-JUN-14 THU

Gave information to customers about accidental insurance and convinced them, told passbook balance.

20-JUN-14 FRI

Opened my Net banking account and learned the procedure how net banking forms fill up by the bank. Understand the difference between low risk, medium risk and high risk. Check customer’s account balance and from their pass book, and learn how to fill online account form.

21-JUN-14 SAT

Understand the difference between LCBC and CPC. Formulate the reports for Account Opening forms , Account Closing forms and Manual Forms

23-JUN-14 MON

Fill the ATM forms online. Collect KYC forms from customers. Told balance from pass book to customers. Understand the meaning of green channel.

24-JUN-14 TUE

Registered the ATM pin in the ATM pin register. Distribute it.

25-JUN-14 WED

Understand the difference between Saving Account and Current Account. Understand how to scan photo and signature for filling KYC forms.

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THIRD WEEKLY REPORT

(26-JUNE TO 2-JULY)

Date Day Work done by the Student26-JUN-14

THU Understand the functioning of F10, F12, and F7 keys. Sit on the second counter for telling the balances to the customers by using “Bancs link Version 2.9.5” software. Wrote Nil slips. Gave information to customers about KYC.

27-JUN-14 FRI

Collect KYC from customers. Understand How the Gold loan is given. And also understand the software used for various purposes in the bank. “Banc link version 2.9.5” is the main software used in bank. And “LOS” software used for Car Loan, Housing Loan etc..

28-JUN-14 SAT

Stick tickets to the KYC envelops. Collects KYC forms. Gave pin code to customers. Observed functioning of the bank.

30-JUN-14 MON

Filled Internet Banking Form with the help of KAPIL BALE Sir. Interact with customers regarding various issues. Collect cheques.

1-JULY-14TUE

Stick 400 tickets to KYC envelop. Registered Names for ATM pin code. Learned to fill KYC form by observation. Interact with customers regarding are they satisfied with the service.

2-JULY-14WED

Wrote Cheques No., Date of Cheques and Amount in the register.

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FOUR WEEKLY REPORTS

(3-JULY TO 9-JULY)

Date Day Work done by the Student 3-JULY-14 THU

Registered ATM pin code. Wrote Nil slips for getting Nil Certificate to customers. Understand how to check is the person eligible for getting Nil Certificate by analyzing his current status.

4-JULY-14FRI

Help to customers to block their lost ATM by interacting with customer care of SBI. Told the next process for getting a New ATM.

5-JULY-14SAT

Help to my new SIP friend in her task. Told her all about KYC, How to check balance on sbi software and all other various tasks.

7-JULY-14MON

Understand Fixed deposit , Recurring Deposit, Income Tax and TDR

8-JULY-14TUE

Understand the difference between TDR and STDR and sir also taught me how to fill TDR by using software.

9-JULY-14WED

Sir thought me how to fill current account by using software, collect KYC forms, done mobile banking and interact with customers.

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FIVE WEEKLY REPORTS

(10-JULY TO 16-JULY)

Date Day Work done by the Student10-JULY-14 THU

Arrange Collected Account opening form in sequence. Help to my external guide in his work. Interact with customers regarding various issues and helped them.

11-JULY-14 FRI

KAPIL sir told me detail procedure of Mobile banking in stepwise. I convince customers to register for Mobile banking. My SIP friend told me about the Insurance accidental death policy.

12-JULY-14 SAT

SARASWAT sir thought me how to calculate Bach at Gat Saving account

14-JULY-14 MON

Manager of the State bank of India thought me how SBI draw insurance with the RBI regarding theft of cash or any other

15-JULY-14 TUE

Understand the difference between CRR and SLR, wrote credit vouchers and nil certificate and distribute it, Collect KYC forms.

16-JULY-14 WED

Understand about gold loan, interact with customers and solve their problems, told passbook balance and gave entries also.

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SIXTH WEELIY REPORTS



Arrange Collected Account opening form in sequence. Help to my external guide in his work. Interact with customers regarding various issues and helped them.

18-JULY-14 FRI

KAPIL sir told me detail procedure of Mobile banking in stepwise. I convince customers to register for Mobile banking. My SIP friend told me about the Insurance accidental death policy.

19-JULY-14 SAT

Told Passbook balances to customers, Registered ATM Pin code, Collect KYC and Account forms

21-JULY-14 MON

Wrote cheques of 20 rupees for Nil Certificate, solve customers problem by calling at customer care. Interact with customers.

22-JULY-14 TUE

Understand how to fill Insurance policy for online by using SBI software. Collect KYC forms and Account forms.

23-JULY-14 WED

Understand which documents are necessary for check book, Sir told me how check book is to be issued on SBI software.

25

SEVEN WEEKLY REPORTS



Wrote nil vouchers and also nil slips. And distribute it.

25-JULY-14 FRI

Understand how to transfer of check in to deposit account, and understand how to transfer voucher in to deposit account

26-JULY-14 SAT

Understand what Batch transaction, done mobile banking is.

28-JULY-14 MON

Sir thought me how NEFT transaction takes place, its limit and its process.

29-JULY-14 TUE

Sir thought me how RTGS transaction takes place, and its limit. Done mobile banking and collect KYC forms from customers.

30-JULY-14 WED

Understand how to restructure agricultural advances and functionality in CBS

26


Wrote nil vouchers and also nil slips. And distribute it.

1-AUG-14FRI


2-AUG-14SAT


4-AUG-14MON


5-AUG-14TUE

Sir thought me how RTGS transaction takes place, and its limit. Done mobile banking and collect KYC forms from customers.

6-AUG-14WED

Understand how to restructure agricultural advances and functionality in CBS

EIGHT WEEKLY REPORTS

(31-JULY TO 6-AUG)

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NINE WEEKLY REPORTS

(7-AUG TO 11-AUG)

Date Day Work done by the Student7-AUG-14

THUWrote nil vouchers and also nil slips. And distribute it.

8-AUG-14FRI


9-AUG-14SAT


11-AUG-14 MON


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FINDING

1) SBI Saving accounts & current account is performs is better than other competitors that time saving and current both retail products are efficient

2) All the loans factors are concern in the various rules and conditions and retail banking product performs as per the banking act 1956

3) Competitor bank CBI performance is lower than the SBI Deposits which is observed in study

4) In above we find advances of a competitor bank CBI is better than SBI in given time period of previous year and current years

5) In findings statement saving accounts and current account is take greater liabilities balance of the liabilities of SBI

6) In the total Deposits position all elements are considering and in these saving accounts is prefers to the total Deposits.

7) Customers of the bank are satisfied with retail banking services as a competitor’s bank we find

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REFERENCE

1) WWW.SBI.COM

2) WWW.SBI TIMES.COM

3) WWW.GOOGLE.CO.IN

4) SBI BRANCH DATA OF LAST YEAR FROM EMPLOYEES.

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http://WWW.GOOGLE.CO.IN/

http://WWW.SBI/

http://WWW.SBI.COM/

sip kiran report

Documents

customers services

savings bank customers

saving banking process

project work

savings bank account

internet banking

banking concept

savings account