RESEARCH METHODOLOGY

The need for research design is as follows:

It reduces inaccuracy
Helps to get maximum efficiency and reliability.
Eliminates bias and marginal errors.
Minimizes wastage of time.
Helpful for collecting research materials.
Helpful for testing of hypothesis.
Gives an idea regarding the type of resources required in terms of money,

manpower.
Provides an overview to other experts.
Guides the research in the right direction.

Terms and conditions for services:

1. Preliminary

a) Canara bank operates an internet based remittance network under the

name speed remittance or canara bank agents on line.
b) The user is an established foreign currency exchange services institution
licensed to carry on business in the countries.
2. Definitions and interpretations
a) In this agreement including the recitals and schedules the following
words and expressions shall ( unless the context requires otherwise ) have
the meanings sets out in clause.
Agent
Agreement
Canara bank agents on line
Principal
Parties
Services
b) For greater clarity use of the terms agent and principal in this agreement
does not signify that either is an agnet or principal of canara bank.
3. Supply of services
a) Subject to the terms and conditions set out below, canara bank will
provide the user within the territory with the services as specified below.
b) User as Principal on the network- canara bank will provide the user with
web based application that will enable the user to transact with a network
of agents ( appointed by the user) who acuire remittance transactions
from their customers and forward the same to the user for fulfillment
through the users correspondent banks or branch bank network.
c) User as AGENT on the network- canara bank will provide the user with
web based functionality that with a network of principals who fulfill
remittance transactions through their corresponding banks or branch
networks.
4. Prices and payment

The user shall pay canara bank for the provision of the services the amounts
set out in commercial agreement as signed between the parties at the times
and in the manner set out in that agreement.
5. Canara banks rights and obligations
Canara bank reserve its rights and agrees to fulfill the additional obligations
as more particularly set out below.
a) Canara bank agrees that the services will be carried out with reasonable
skill and care by suitably qualified and experienced personnel.
b) Canara babk will use its reasonable endeavours to maintain a 24 hour
interest presence for the user but cannot guarantee continuous
uninterrupted use especially where canara bank must carry out routine
maintenance repairs.
c) Vanara bank agrees to provide the services over the internet on an
industry standard 128 bit encryption.

6. Password control system

Canra bank and the user shall ( and each shall ensure their respective officers
and employees shall) at all the times strictly adhere to and maintain the
integrity of the password control system operated by canara bank details of
which shall be notified by canara bank details of which shall be notified by
canara bank to the user from time to time.
7. Privacy policy
Canara bank has a privacy policy details of which shall be notified by canara
bank to the user from time to time.
8. Limitation of liability and exclusion of warranties
Canara bank shall not be liable for the commercial agreements and financial
transactions entered into between the user and the other principals/ agents of

canara bank agents on line using the services and is not and shall not be
deemed to be a party to any agreements or transactions other than this
agreement for the provision of the services to the user.
9. Term and termination
Canara bank shall be entitled to terminate this agreement immediately if
canara bank discovers thata) The user has been in branch of any term condition or provision contained
here in
b) The user has been in branch of any regulation, direction or law laid down by
any legal regulatory or other authority including but not limited to the
central bank.

LIMITATIONS OF CANARA BANK

1. Car loan: can mobile is the vehicle loan given by canara bank for buying
new or used four wheeler. For buying a brand new car, bring just 10% of the
cost.
2. Education loan: CANEDU loan is a canara bank loan for meritious students
who wants to continue education in India or abroad.
3. Personal loan: cash Budget A simple personal loan scheme exclusively for
the benefit of employees of corporate, PSus Government Department
institution etc.
4. Home loan: home loan is given for construction/ purchase/ repairs/
additions/ renovation of residential house/ flat including the purchase of
land.
5. Business Loan: Canara bank provides business for their short or long term
financial needs. A lot of times it is important for businessman.
6. Loan against property: if you own a valuable asset in the form of a sekf
occupied house or a commercial property you can go for a loan against
property.

Research reports on CANARA BANK/ HDFC securities

PSU Bank stocks- technical levels
Technical stocks for ALBK, Andhra bank, Bank Of Baroda, Bank Of India,
Canara bank, Karnataka bank, Oriental Bank, PNB etc.
Canara bank (1QFY15) weak operating matrix maintain Neutral
CBKs PAT of Rs Bbn was driven by MTM Reversals (rs 4.2 Bm ) NIMs
inched up 10bps YOY with expansion in C-D ratio.
Short term sector momentum stock Pick canara bank
Sell canara bank between Rs 392.90 and rs 398 stoploss at Rs 415.
Technical stock pick Canara bank
Canara bank seems to be consolidating at the CMP Rs 213 and this month is
a 33rd month of fail from the top. Between Rs 213 and Rs 208.

QUESTIONNAIRE
1. In which year your bank started online services?
2013
2. Does your competitions also provide similar services with respect to
you?
i. Yes
ii. No
3. Does your bank sell a product or service that is time constrained? For
example do you work for a financial firm offering online trading for
payment services or a travel or entertainment business offering online
booking?
i. Yes
ii. No
4. Does your bank aim to serve customers via all available sale channels?
i. Yes
ii. No
5. Have your competitors already built m- commerce sites?
i. Yes
ii. No
6. Are your customers prone to using latest gadgets such a PDAs two way
pagers and mobile phones?
i. Yes
ii. No
7. Does online banking provide more revenue than traditional banking?
i. Yes
ii. No

8. What percentage of your customers using online banking services

provided by you?
5%

QUESTIONNAIRE
1. In which year your bank started online services?
2015
2. Does your competitions also provide similar services with respect to
you?
i. Yes
ii. No
3. Does your bank sell a product or service that is time constrained? For
example do you work for a financial firm offering online trading for
payment services or a travel or entertainment business offering online
booking?
i. Yes
ii. No
4. Does your bank aim to serve customers via all available sale channels?

i.
ii.

Yes
No

5. Have your competitors already built m- commerce sites?

i. Yes
ii. No
6. Are your customers prone to using latest gadgets such a PDAs two way
pagers and mobile phones?
i. Yes
ii. No
7. Does online banking provide more revenue than traditional banking?
i. Yes
ii. No
8. What percentage of your customers using online banking services
provided by you?
7%

QUESTIONNAIRE

1. In which year your bank started online services?

2014
2. Does your competitions also provide similar services with respect to
you?
i. Yes
ii. No
3. Does your bank sell a product or service that is time constrained? For
example do you work for a financial firm offering online trading for
payment services or a travel or entertainment business offering online
booking?
i. Yes
ii. No
4. Does your bank aim to serve customers via all available sale channels?
i. Yes
ii. No
5. Have your competitors already built m- commerce sites?
i. Yes
ii. No

6. Are your customers prone to using latest gadgets such a PDAs two way
pagers and mobile phones?
iii. Yes
iv. No
7. Does online banking provide more revenue than traditional banking?
iii. Yes
iv. No
8. What percentage of your customers using online banking services
provided by you?
8%