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Project Report

Project Report

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Published by: Tanpreet Mehndiratta on Jul 11, 2013
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07/30/2014

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PRESENTED BY:Ankit Sood 94972238142

According to Indian Banking Companies Act 1949, “Banking company is one which transacts the business of Banking which means the accepting for the purpose of lending or investment of deposits of money from the public repayable on demand or otherwise and withdraw able by cheque, draft or otherwise.”

Journey of Indian banking System
• Early introductory phase from 1786 to 1969. PHASE I

• Nationalization of Indian banks, prior to 1991 Indian Banking sector Reforms . PHASE II
• New phase of Indian Banking System with the advent of the Indian Financial & PHASE III Banking System Reforms after 1991

the Government of India came up with the Banking Companies Act.PHASE I Growth was very slow and banks also experienced periodic failures between 1913 and 1948. To streamline the functioning and activities of commercial banks . 1949 which was later changed to Banking Regulation Act 1949 as per amending Act of 1965 Reserve Bank of India was vested with extensive powers for the supervision of the banking in India as the Central Banking Authority.There were approximately 1100 banks. .

1969 In 1969. 14 banks were Nationalized In 1975 regional banks were created . Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on 19th July.PHASE II State Bank of India to act as the principal agent of RBI and to handle banking transactions of the Union and State Governments all over the country.

.PHASE III The liberalize policy of Government of India permitted entry to private sector in the banking industry as a result of a new industrial policy of 1991 Phone banking and net banking is introduced.

Public Sector Private Sector Foreign Banks .

Indian Banking: Strength & Weaknesses  Major Strength Areas ◦ ◦ ◦ ◦ ◦ Regulatory Systems Economic Growth Rate Technological Advancement Risk Assessment Systems Credit Quality .

◦ Diversification of markets beyond big cities Size of banks ◦ HR Systems ◦ Banking Infrastructure ◦ Labour Inflexibilities ◦ High Transaction Costs . Area to be geared up for future Growth.

           Founded --1853 Headquarters -.Mumbai CEO in India .90 (India) -3 (Punjab) Head quarters in India .Neeraj Swaroop .1700 (world) .London Key people -.77326 (2009) Branches .JohnPeace(Chairman) Industry -.$15184 m (2009) Profit before taxation -.Financial Services Operating Profit -.Banking Products -.$5151 m (2009) Employees -.

Australia and China founded in 1853 The Standard Bank of British South Africa founded in 1862 Friendly merger in 1969 to form STANDARD CHARTERED BANK .STANDARD CHARTERED BANK: BACKGROUND The Chartered bank of India.

Global Presence .

The new millennium has brought with it two of the largest acquisitions in the history of the bank with the purchase of Grind lays Bank from the ANZ Group and the acquisition of the Chase Consumer Banking operations in Hong Kong in 2000. Standard Chartered Completes Acquisition Of American Express Bank For $823 Million .

Consumer Banking Private Banking Wholesale Banking SME Banking .

PRODUCT AND SERVICES OF STANDARD CHARTERED BANK IN RETAIL BANKING .

PERSONEL BANKING PERSONEL BANKING Saving Accounts Current Accounts Demat Accounts Corporate Salary Account .

CREDIT BANKING Personal loans Housing loans Vehicle or Automobile Loan Education loans Gold loans Overdraft .

INVESTMENTS Insurance Mutual Funds Forex Exchange .

NRI ACCOUNTS NRE NRO FNCR .

OTHER SERVICES Phone or Mobile banking Net Banking ATM Services NEFT (National Electronic Fund Transfer RTGS (Real Time Gross Settlement) .

ORGANISATIONAL CHART OF BRANCH .

STRENGTHS

• Market position is strong. • Maintain a position as a leading Cash Management provider.

WEAKNESSES

• Gaps in human resource management. • Have fewer locations. • Service delivery reception is weak.

OPPORTUNITIES

• Branch expansion for rapid growth. • Working upon strategies for better returns.

THREATS

• HSBC ,Citi Financial,RBS,Deutsche Bank are dominant players • Competitive products and offers from ICICI,HDFC and AXIX bank

35 March.51 Ratio Return on 18.FINANCIAL RATIOS  Return on Equity = Net Income Shareholder’s equity March. 2008 20.33 equity (%) . 2010 March.55 March. 2009 18. 2007 23.

 Return on Assets =Net Operating Income Total Assets March.96 Ratio Return on 4.8 Assets (%) . 2008 4. 2007 3. 2010 March.1 March.8 March. 2009 3.

85 Shareholder’s equity assets (%) to 12.39 March. 2009 10.9 . 2008 11. 2007 9. 2010 March. Shareholder’s equity to assets = Shareholder’s equity Total Assets Ratio March.5 March.

200 7 6.78 March. 2008 9. 2010 Borrowings 9.200 9 10.73 to total liability&equ ity (%) March.79 .46 March.Borrowings to total liability & equity = Borrowings Total liability +equity Ratio March.

2008 45. 2010 March.39 Assets (%) . 2007 51.11 Loans to 46. 2009 38.41 March. Loans to Assets = Loans Total assets Ratio March.48 March.

Trend Analysis  EPS (Earning Per Share) = Profit after interest and tax No. of equity shares Trend in EPS(%) 140 120 100 80 60 40 20 0 Trend in EPS(%) .

 180 160 140 120 100 80 60 40 20 0 Trend of Net Profit: Trend in Net Profit(%) Trend in Net Profit(%) .

 160 140 120 Trend in Interest Earned Trend in Interest Earned (%) 100 80 60 40 20 Trend in Interest Earned (%) 0 .

 Trend in Interest Expended Trend in Interest Expended (%) 160 140 120 100 80 60 40 20 0 Trend in Interest Expended (%) .

PROJECT .

FACTORS AFFECTING INVESTMENT PATTERN OF INVESTORS AND THE MOST PREFERRED INSTRUMENT AMONG INVESTORS .

job etc in making investment decision from investor point of view • To study the most preferred investment avenue among investors .OBJECTIVES 1 2 • To study the effect of demographic such as age.

. UNIVERSE Population • Population of my study is all the investors in India.RESEARCH METHODOLOGY • It is a blue print specifying every stage of action in the course of research. DESIGN • All the investors are the part of universe. Descriptive research Design was followed in the study.

Sample Size • 100 .• Convenience Sampling Sampling Sampling Unit • The sampling unit in this report is any person who involve in investment process in Ludhiana.Taran Taran and Amritsar.

Tarn Taran.• Primary Data. • The sampling unit in this report is any person who involve in investment process in Ludhiana. Amritsar.Questionnaire and Schedules • Secondary data has been collected from Data Collection journals. magazines and newspapers. Sampling Unit Sample Size • 100 .

Amritsar.Limitations of the project As the project is also based on secondary data. Reluctance of the people to provide complete information about them can affect the validity of responses. Due to time and location constraint research has been conducted only in the selected areas of Ludhiana. possibility of unauthorized information cannot be avoided. Tarn Taran .

DATA ANALYSIS AND INTERPRETATION .

N=10 0 .1.

N=10 0 .2.

N=10 0 .3.

N=10 0 .4.

N=10 0 .5.

6. N=10 0 .

7. N=10 0 .

86 Real Estate Gold LIP Equity Share Financial Derivatives Bonds 23 9 31 15 1 1 22 23 9 3 0 4 15 19 7 4 1 2 16 16 9 1 3 2 13 15 10 3 3 2 6 5 18 7 5 6 4 2 11 52 8 6 1 6 2 4 65 17 0 5 3 11 14 60 3. Rank the various investment options investors N=10 consider important while investing 0 Factors PPF FD Mutual Funds 1 7 10 4 2 11 19 9 3 16 26 10 4 25 18 10 5 18 13 23 6 11 6 36 7 9 3 4 8 0 4 1 9 3 1 3 MEAN 4.8.89 7.23 3.63 7.84 5.88 3.87 .13 3.61 4.

N=10 0 .

9.32 2.25 2. Factors affecting the choice of avenues N=10 0 Factors Return Tax Rebate Capital app Security of funds Acc of funds 1 88 16 14 23 18 2 5 30 58 46 22 3 3 18 14 26 36 4 2 14 10 5 11 5 2 22 4 0 13 Mean 1.13 2.79 .96 2.

N=10 0 .

N=10 0 .

N=10 0 .

N=10 0 .

N=10 0 .

N=10 0 .

N=10 0 .

N=10 0 .

Higher the income higher the risk and vice. life insurance policies etc Young people mostly invest for growth whereas older people above 50 yrs invest for insurance purpose . capital appreciation etc Income have direct effect on amount of risk an investor ought to take while investing. Real estate is the most preferred investment option followed by fixed deposits .versa Young people take high and medium risk while old people take low risk while investing.FINDINGS Return is the major factor affecting the choice of investment avenue followed by security of funds.

CONCLUSION .

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