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PRESENTATION

ON
CONSUMER ATTITUDE ABOUT SERVICES
OF CO-OPERATIVE BANK

MAYANK BANGAR

BANK
S
BANK IS AN INSTITUTE THATS DEALS IN
MONEY AND ITS SUBSTITUTES AND PROVIEDS
CRUCIAL FINANCIAL SERVICES.

TYPES OF
BANKS
Saving banks

Commercial Banks

Industrial banks

Land development banks

Indegenoeus banks

Central banks

Coperative banks

Exchange banks

Consumers bsnks

FEATURES OF
BANKS
DEALING IN MONEY

AGENCIES AND UTILITY


SERVICES

INDIVIDUAL/FIRM/COMPANY
PROFIT & SERVICES MOTIVE
ACCEPTANCE OF DEPOSITS
GIVE ADVANCES
PAYMENT WITHDRAWAL

EVER INCREASING FUNCTION


CONNECTING LINKS
BANKING BUSINESS

BANKING STRUCTURE IN
INDIA

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 .

CO-OPERATIVE
BANKING IN
INDIA

INTRODUCTION OF COOPERATIVE BANK

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

TYPES OF CO-OPERATIVE
BANKS

Primary co-operative banks

Central co-operative banks

State co-operative banks

Land development banks

Urban co-operative banks

FUNCTIONS OF CO-OPERATIVE
BANKS

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

THE AMBALA
CENTRAL COOPERATIVE
BANK

INTRODUCTION

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

ANALYSIS
AND
INTERPRETATIO
N

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 cooperative 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

b.

25 35

c. 35-45
d. 45 and above

4. Qualification

a. Graduate
b.

Postgraduate

c. Diploma
d. Other discipline

5.

6.

Occupation
a.

Business

b.

Professional

c. Job holder
d. Other

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 ____________

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

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?

No

YES

NO

If yes which are in these?

a. Loan facilities

b. Locker facility

c. Agriculture loan

d. Saving facilities

e. other_____________

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

CUSTOMERS SATISFACTION WITH


INTEREST RATES OFFERED BY CO-OP
BANK
CUSTOMERS

80
70
60
50

CUSTOMERS

40
30
20
10
0

SATISFY

DISSATISFY

CUSTOMER SATISFACTION WITH


PROCESSING FEES CHARGED BY COOP BANK
PROCESSING FEES
70
60
50
PROCESSING
FEES

40
30
20
10
0

SATISFY

DISSATISFY

STANDARD OF SERVICES
PROVIDED BY BANKS
STANDARD OF SERVICES
50
40
30

STANDARD
OF
SERVICES

20
10
0

EXCELLENT VERY GOOD

GOOD

FAIR

STRONGEST POINTS OS
THE BANK
50
40
30
20
10
0

STRONGEST POINT

STRONGEST POINT

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

SWOT ANALYSIS

STRENGTH
S

WEAKNESS

RIGHT STRATEGY FOR THE RIGHT


PRODUCT

FAR FROM TECHNOLOGY

GREAT BRAND IMAGES

NO ATM SERVICES PROVIDED

HIGH DEGREE OF CUSTOMER


SATISFACTION

POOR STRUCTURE OF BANK

SUPERIOR CUSTOMER SERVICES


VS. COMPETITION

LACK OF STAFF

OPPORTUNITIE
THREATS
S
GOOD SCOPE IN RURAL AREA

VERY HIGH COMPETITION


INCREASING IN NUMBER OF NONPERFORMING-ASSTES

DEVELOPMENT OPPORTUNITY
AVAILABLE
JOB OPPORTUNITIES ALSO
AVAILABLE

MOST OF THE BRANCHES WORK


ON NO PROFIT / NO LOSS