Post on 04-Apr-2018
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PLACEMENT TRAINING
REPORT
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REPORT ON PLACEMENT
TRAINING AT
DHANLAXMI BANK
GURUVAYOOR BRANCH
Submitted in partial fulfillment of the
requirement for the award of
BBA (Bachelor of BusinessAdministration)
of Calicut University
SUBMITTED BY :
SHYAMA KAKKAT
ROLL NO: 820871
GTAIBBA168
Under the guidance of
commerce department of
Chinmaya Mission College,Kolazhy.
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CERTIFICATE
This is to certify that , Mis Shyama kakkat is a
bonafide student of the department of commerce & management studies ,
and this report has been prepared by her in partial fulfillment of the
requirement for the award of the degree bachelor of business
administration from the University of Calicut , under my guidance
during the academic year 2008-2011.
C. Radhakrishnan
Lecturer
Place :Erumapetty
Date :
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DECLERATION
I SHYAMA KAKKAT , B B A student of
Chinmaya Mission College , Kolazhy , here by declare that this report is
made by me in accordance with the Placement Training conducted at the
Dhanlaxmi Bank , Guruvayoor Branch . I made this report in addition of
my B.B.A Degree course 2008-2011 of the University of calicut. I also
emphasize that , this report is not been submitted previously by me fully
or partially for the award of any degree or other similar title of any other
University.
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ACKNOWLEDGEMENT
I undertake this oppurtunity to thank
Mr.C. Radhakrishnan lecturer in commerce , Chinmaya Misson College ,
Kolazhy for the valuable suggestions and encouragement to complete the
work.
Above to all my grateful thanks to the
DIRECTOR , SCHOOL OF DISTANCEEDUCATION , CALICUT
UNIVERSITY, for providing an oppurtunity to conduct the training.
Many people have contributed directly and indirectly in bringing outhis
report. I am thankful to all of them for their help and encouragement.
Finally , I am grateful to my family and foremost , thank to god for
helping sucessfully to complete the work.
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INTRODUCTION
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Internet Banking
DBL introduced internet banking in 72 branches in its entire
network Real Time Gross Settlement Scheme (RTGS) & National
Electronic Fund Transfer (NEFT). These systems facilitate larde value
payments and settlements in real time on-line mode on a transaction
basis.
Milestones:
Incorporation : 1927
1st Branch : 1937
Br. o/s Kerala : 1975
SCB status : 1977
100 branches : 1980
Public issue : 1996
1stATM : 2000
Rights issue : 2002
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The distant past
Dependency in Kerala
Banking business
Infrastructure
Employees
Bulk of the business from the SME segment
High NPA level
Low employee base and Higher age of employees
207 branches and 72 ATMs
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The Turning Point
As per RBI guidelines
Net worth of Rs.300 crores
No single shareholder with control in excess of 10%
Decline in holding by the largest shareholder from 37% to 10%
Change in Board of Directors with induction of highly reputed
professionals
Rights issue made in April, 2008 at a price of Rs. 62 per share
Revamp in the top and senior management with emphasis on proven
industry credentials and execution capabilities
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Vision:
Large Profitable A Rated Bank
To be amongst the top 5 Private
Sector
Banks Balancesheet Size
AssetQualityProfits Branch network
LARGE
PROFITABL
E
A RATING
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Mission:
TO BECAME A STRONG AND INNOVATIVE
BANK WITH INTEGRITY AND SOCIAL RESPONSIBILITY
TO MAXIMISE CUSTOMER SATISFACTION AS WELL AS
THAT OF THE EMPLOYEES , SHAREHOLDERS AND THE
COMMUNITY .
Quality Policy:
THE DHANLAXMI BANK LTD WILL STRIVE TO MEET &
EXCEED THE REQUIREMENTS OF THE CUSTOMERS THROUGH
CONTINUAL IMPROVEMENT IN ALL ITS BANKING SERVICES .
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Changing Consumer Demographics
Increasingly affluent, with a bulging middle class
The youngest population in the world
65% of population below 35 years of age
Rising savings rate >30%
Increasing literacy levels
Higher adaptability to technology
Urbanization is a continuing trend
Increasing "consumption" mindset in India
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Channel Initiatives proposed for FY 2011
Addition of about 500 ATMs
Fully functional Corporate Internet Banking
Retail Internet Banking -enhancements
E-tax payments
Two factor authentication
Verified by VISA
Fully functional Customer Contact Center with
IVR, Voice, Email, Chat
Launch of Mobile Banking
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BANK PROFILE
Bank Name : Dhanlaxmi Bank
Founder : Group of 7 employees
Established at : Guruvayoor
Established year : 1976
Manager guruvayur branch : Rajendran A. R
No : of staff (permanent) : 6
Extention counter : 1
Manager name : Govindan v. k
Website : www.dhanbank.com
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FUNCTIONAL DEPARTMENT
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Translate the strategy to operational terms
CUSTOMER PERSPECTIVE
TO ACHIEVE MY VISSON , HOW MUST I LOOKTO MY CUSTOMERS
Customer Perspective
"To SATISFY MY CUSTOMERS , AT WHICHPROCESS MUST I EXCEL
Organization Learning
"To ACHIEVE MY VISION, HOW MUSTMY ORGANISATION LEARN& IMPROVE.
FINANCIAL PERSPECTIVE
IF WE SUCEED HOW WILL WEFACE OUR SHAREHOLDERS
Measurement is
the language that
gives clarity to
vague concepts
Measurement isused to
communicate, not
to control
Strategy can be
described as a
series of cause and
effect relationship
The strategy
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FINDINGS & SUGESTIONS
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CONCLUSION
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BIBLIOGRAPHY
1. Banking theory& practice: K. Venugopal
Abdul Asis.
2.Banking Theory & Practices Shekar K.C.
3.Financial Management Pandey I.M.
4.Banking Theory, Law & Practices Gordon , Natrajan
5. Financial Services M.Y. Khan
REFERENCES:
www.google.com
www.dhanbank.com
http://www.google.com/http://www.google.com/7/29/2019 Placement Training
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Profit and loss account
particulars Q3-FY2010
Q3-FY2009
Y-O-Ygrowth
9m-FY2010
9m-FY200
9
Y-O-Ygrowth
Interest
income 139.8 111.8 25.0% 384.1 293.5 30.9%
Interest
expense 100.6 74.4 35.2% 287.4 200.1 43.6%
Net
interest
income
39.2 37.4 4.8% 96.7 93.4 3.5%
Non
interest
income
16.6 12.1 37.2% 59.1 38.4 53.9%
Operating
expenses 53.0 29.2 81.5% 128.8 81.9 57.3%
Staff cost 30.2 16.6 81.9% 74.4 45.8 62.4%
Provisions 2.7 (4.0)
_
7.0 (1.3)
_
Profit
before tax 0.1 24.3 (99.6)% 20.0 51.2 (60.9)%
Provision
for tax (1.2) 7.4_
2.3 16.0 (85.6)%
Profit
after tax 1.3 16.9 (92.3)% 17.7 35.2 (49.7)%
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Balance sheet Rs. In crores
particulars Dec
31,
2009
Sept
30,
2009
June ,
30
2009
Mar
31,
2009
Dec
31,
2008
Y-O-Ygrowth
Capital 64 64 64 64 64
_
Reserves 378 377 371 360 346 9.3%
Deposits 6,002 5,629 5,070 4,969 4,615 30.1%
Borrowing 299 140 38
_ _ _
Other
Liabilities 406 407 249 250 232 75.1%
TOTAL 7,149 6,618 5,792 5,643 5,256 36.0%
Cash
&Bank
balance
546 678
589 686 965
(43.4)%
Investmen
ts 1,940 1,698 1,523 1,567 1,170 (65.8)%
Advances 4,391 4,002
3,489 3,196 2,939 (49.4)%
Fixedassets
55 48 46 46 44 24.9%
Otherasset 217 192 145 147 138 57.8%
TOTAL 7,149 6,618 ,5,792 5,643 5,256 36.0%
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