Co-op Bank Consumer Attitude
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MAYANK BANGAR
CONSUMER ATTITUDE ABOUT SERVICES OF CO-OPERATIVE BANK
PRESENTATION ON
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BANKSBANK IS AN INSTITUTE THAT’S DEALS IN MONEY AND ITS SUBSTITUTES AND PROVIEDS CRUCIAL FINANCIAL SERVICES.
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TYPES OF BANKS Saving banks
Commercial Banks
Industrial banks
Land development banks
Indegenoeus banks
Central banks
Coperative banks
Exchange banks
Consumers bsnks
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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
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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
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CO-OPERATIVEBANKING ININDIA
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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
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TYPES OF CO-OPERATIVEBANKS
Primary co-operative banks
Central co-operative banks
State co-operative banks
Land development banks
Urban co-operative banks
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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
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THE AMBALA CENTRAL CO-OPERATIVE BANK
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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
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ANALYSISAND
INTERPRETATIO
N
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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
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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 ____________
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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_____________
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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
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CUSTOMERS SATISFACTION WITH INTEREST RATES OFFERED BY CO-OP BANK
SATI
SFY
DISSA
TISF
Y0
20
40
60
80
CUSTOMERS
CUSTOMERS
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CUSTOMER SATISFACTION WITH PROCESSING FEES CHARGED BY CO-OP BANK
SATI
SFY
DISSA
TISF
Y0
10203040506070
PROCESSING FEES
PROCESSING FEES
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STANDARD OF SERVICES PROVIDED BY BANKS
EXCELLENT VERY GOOD GOOD FAIR0
10
20
30
40
STANDARD OF SERVICES
STANDARD OF SER-VICES
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STRONGEST POINTS OS THE BANK
01020304050
STRONGEST POINT
STRONGEST POINT
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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
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SWOT ANALYSIS
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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
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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
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