UNIVERSAL BANKING

I. ANNEXURE

A. QUESTIONNAIRE

1) Opportune time for transformation into universal bank

Right Now 1Year hence 2 Year hence

Others

2) Are you satisfied with your banks overall CSR practices that are
targeted at employees?
Very satisfied Dissatisfied Satisfied

Very dissatisfied

3) Does your bank offer environmental friendly facilities at the work

place?
YES NO

4) Does your bank provide financial support to environmental matters?
YES NO

5) Who are mainly your Competitors in banking sector?
International Banks Public Banks
Private Banks All the above
6) Which sector in banking is more conscious about higher productivity
and performance of employees?

Public sector Bank Private sector Banks
Foreign Banks Co-operative Banks

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7) Do you agree the employees providing banking service to customers

are the service providers, organisation for customers, brand and
marketers?
Strongly agree Agree
Do not Agree No idea

8) Would universal banking be effective in a newly industrializing
economy?
Yes No
9) Does universal banking reduce corporate financing costs for a newly
Industrializing economy?
Yes No
10) What should be role of RBI in universal banking scenario?
Supervisory Power of de-facto control

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B. CONCLUSION

The banking scenario has changed drastically. The changes which have

taken place in the last ten years are more than the changes took place in last fifty years

because of the institutionalization, liberalization, globalization and automation in the

banking industry.

Universal banking is the fastest growing sector of the banking industry with the

key success by attending directly the needs of the end customers is having glorious future

in coming years.

Universal banking sector as a whole is facing a lot of competition ever since

financial sector reforms were started in the country. Walk-in business is a thing of past

and banks are now on their toes to capture business. Banks therefore, are now competing

for increasing their business.

There is a need for constant innovation in universal banking. This requires

product development and differentiation, micro-planning, marketing, prudent pricing,

customization, technological up gradation, home / electronic / mobile banking, effective

risk management and asset liability management techniques.

However, the kind of technology used and the efficiency of operations would

provide the much needed competitive edge for success in universal banking business.

Furthermore, in all these customer interest is of chief importance. The banking sector in

India is representing this and I do hope they would continue to succeed in this traded

path.

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C. BIBLIOGRAPHY

BOOKS

Research Methodology C.R. Kothari (New Age International Publishers,

2nd edition)

Shekhar K.C (2005), Banking Theory and Practice, Vikas Publishing

House

Visited Dena Bank branch Ulhasnagar

D. WEBLIOGRAPHY

WEBSITES

www.banknetindia.com/banking/ubfeature.htm: Universal Banking:

introduction, RBI rules and regulations, Universal Banking in India

www.answers.com/topic/universal-banking: Universal Banking:

definition

www.investopedia.com/terms/u/universalbanking.asp Universal

Banking: definition

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