Retail Banking

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STUDY ON

GENERAL BANKING (BANKING ROUTINE)

AT

BANK OF INDIA (BOI)

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PROJECT REPORT

SUBMITTED FOR THE
AWARD OF THE DEGREE OF
BBA
GGSIP University
SESSION: 2009-2011

Under the guidance of
Mr.
BOI

SUBMITTED BY:

POOJA MATHUR

ACKNOWLEDGEMENT

The Project Title “GENERALBANKING(BANKING ROUTINE)” has been conducted by me during 20/6/2011 and 12/8/2011 at BANK OF INDIA–DELHI.I have completed this project, based on the primary research ,under the guidance of my industry guide Mr.J.K.Das (Senior manager -Bank of India–New Delhi Branch)

.

POOJA MATHUR

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CERTIFICATE

This is to certify that Kavita Vasani , a student of Master of Business Administration (MBA), class of 2009, Amity Business School, Amity University (Bearing AUUP Enrollment No. A0101907184), has undertaken the Summer Internship Training at Bank of India during 2/5/2008 and 11/6/2008. She has worked under my guidance for the project title ‘Retail banking and retail credit’. She has also been guided by Mr. J.K.Das (Senior Manager- Bank of India-Jamshedpur Branch).

This Project report is prepared in partial fulfillment of Masters of Business Administration (MBA) to be awarded by Amity University, Uttar Pradesh.To the best of my knowledge, this piece of work is original and no part of this report has been submitted by the student to any other Institute/University earlier.

Date-
(Ms.Preeti Kulshretha) Faculty- Finance & Accounting

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ABSTRACT

The objective of the study undertaken is profit maximization of retail banking operations of Bank of India. The first research conducted in this work aims to understand the view of customers regarding retail banking products of Bank of India .The second research in this work determines views of customers of Bank of India, State Bank of India, ICICI Bank and Punjab National Bank who have availed home loan, education loan, personal loan and auto/vehicle loan. To achieve the objective descriptive approach is adopted.Primary data is obtained with the help of questionnaire. Secondary data is obtained from company website, brochures (internal) and internet (external). At the final stage of the research data is analyzed. According to the results of the first research, 91% of Bank of India customers are satisfied with the services. According to the results of the second research 20% of the respondents have rated the services of Bank of India as excellent,20% of the respondents have rated the service of State Bank of India as excellent,10% of the respondents have rated the service of Punjab National Bank as excellent and 6% of the respondents have rated the service of ICICI Bank as excellent for services regarding retail credit. The limitation of the both the research undertaken is small sample size and time constraint.

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TABLE OF CONTENTS
|TOPIC |PAGE NO. | |INTRODUCTION |6,7 | |HISTORY OF BANK OF INDIA |8,9 | |RETAIL BANKING PRODUCTS | | |DEPOSITS |10 – 16 | |LOANS |17- 38...
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