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Retail asset products of bank of baroda

description of retail asset products of bank of baroda in competitive environment.

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Retail asset products of bank of baroda

  1. 1. SUMMER INTERNSHIP PRESENTATION ON “Analytical Study of Retail Asset Product of Marketing in Compitative Environment” At Submitted By:- Divya Agarwal PGDM-BM Enrollment No.-BM/JULY/15/28/3078 Faculty Guide:- Corporate Guide: - Dr. Ranjan Upadhyaya Mr. Harish Paliwal Professor FMS-IRM Asst. General Manager Jaipur Bank of Baroda Jaipur ,
  2. 2. Bank of Baroda Profile  Founded - 20 July 1908  Headquarters -Vadodara  Key people - Ravi Venkatesan (Chairman) P.S. Jayakumar (CEO&MD)  Industry - Banking  Products - Financial Services  Employees - 38737  Branches - 5478 (India) - 585 (Rajasthan)  Owner - Government of India  Website - www.bankofbaroda.com  Tagline - India’s International Bank
  3. 3. Introduction Assets that are retailable - The estimated amount for giving loans to fruitful projects - In every years budget preparation, a certain portion is kept for certain development and certain help for deserving that supports the nation and the bank's interests. Such amount is the retail asset.
  4. 4. Asset Product of Bank of Baroda Education loan 1. Baroda Vidya 2. Baroda Gyan 3. Baroda Scholar 4. Baroda career Devleopment Auto loan 1. Two wheeler 2. Car loan
  5. 5. Education loan Loan Eligible amount Margin Rate of interest Baroda vidya Max 4 lac nil Base rate+2.5% Baroda Gyan (Study India) Max 10 lac Up to 4 lac - NIL 12.13% Above 7.5 lac Base rate+1.75% Baroda scholar (study abroad) Max 20 lac Above 4 lac 5% (India) 15% (abroad) Abroad 15% Career development Max 10 lac(India) Max 20 lac (abroad) 15% (any scholarship will not be included) Base rate+ 2.75%= 12.40
  6. 6. Auto loan Auto loan eligibility margin Rate of interest Two wheeler 5 times of GMI EMI= max 60 10% on invoice value Base Rate + 4%i.e. 13.65% (staff & ex staff) Car loan 24 times of GMI(salaried) Loans up to 15 lac for new car -15% of Road price > 15 lac – 20% on road price for Old Car. 40% of agreed sale price. Base rate +0.25%=9.9 0%
  7. 7. Broad Objective of Study The broad objective of the study is “To Analyze of Retail Asset Product of Marketing in Competative Environment” Specific objectives: -  To study various retail loan products provided by Bank of Baroda.  To study the satisfaction level of customers towards the Banking services .
  8. 8. • Descriptive research Design was followed in the study Research Design : • Convenience Sampling Sampling Technique: • All the customers of bank of Baroda Nehru Place branch are the part of universe. • Universe size:- 500 Universe: • 103 Customers • 51- Existing Customer • 52 – New customer Sample Size:
  9. 9. Tools of data collection Interview Questionnaire Graphical presentation Pie Charts Data Analysis Tool SPSS Tool
  10. 10. Data Analysis and Interpretation
  11. 11. Objective 1  To study various retail loan products provided by Bank of Baroda. Respondents :- Existing customers of Bank of Baroda
  12. 12. Availed any loan from bank of baroda Frequency Percent Valid Percent Cumulative Percent Valid YES 51 100.0 100.0 100.0 100% Avail any loan Yes
  13. 13. Kind of Loan taken by respondents Frequency Percent Valid Percent Cumulative Percent Valid Auto loan 17 33.3 33.3 33.3 Personal loan 10 19.6 19.6 52.9 Education loan 10 19.6 19.6 72.5 Home loan 14 27.5 27.5 100.0 Total 51 100.0 100.0 33.30% 19.60% 19.60% 27.50% Type of Loan Auto loan personal loan Education loan Home loan
  14. 14. Amount of sanction loan Frequency Percent Valid Percent Cumulative Percent Valid Up to 5 Lac 24 47.1 47.1 47.1 6-10Lac 16 31.4 31.4 78.4 10-15Lac 6 11.8 11.8 90.2 More than 15Lac 5 9.8 9.8 100.0 Total 51 100.0 100.0 47.10% 31.40% 11.60% 9.80% Amount of sanction loan up to 5 lac 6-10 lac 10-15 lac more than 15 lac
  15. 15. Paper Formalities in Whole Process Frequency Percent Valid Percent Cumulative Percent Valid Justified 34 66.7 66.7 66.7 Too Much 17 33.3 33.3 100.0 Total 51 100.0 100.0 11 66.70% 33.30% paper formalities jistified too much
  16. 16. Mode of Payment Frequenc y Percent Valid Percent Cumulative Percent Valid Cash 3 5.8 5.8 5.8 Cheque 11 21.2 21.2 26.9 ECS 34 65.4 65.4 92.3 Wire Payment 4 7.7 7.7 100.0 Total 52 100.0 100.0 6% 21.20% 65.40% 7.70% Mode of Payment Cash Cheque ECS Wire payment
  17. 17. Awareness regarding hidden charges of BOB Frequency Percent Valid Percent Cumulative Percent Valid YES 45 86.5 86.5 86.5 NO 7 13.5 13.5 100.0 Total 52 100.0 100.0 86.50% 13.50% Awareness regarding hidden charges yes no
  18. 18. Comparison in rate of interest with peer banks ( SBI, ICICI ) Frequency Percent Valid Percent Cumulative Percent Valid Excellent 14 26.9 26.9 26.9 Good 21 40.4 40.4 67.3 Satisfactory 14 26.9 26.9 94.2 Bad 3 5.8 5.8 100.0 Total 52 100.0 100.0 26.90% 40.40% 26.90% 5.80% Comparison of Interest Rates with Peer Banks Exellent Good Satisfactory Bad
  19. 19. Objective 2 To study the satisfaction level of customers towards the Banking services Respondents:- New customers
  20. 20. Satisfaction with overall behavior of the concerned person Frequency Percent Valid Percent Cumulative Percent Valid YES 41 78.8 78.8 78.8 NO 11 21.2 21.2 100.0 Total 52 100.0 100.0 78.80% 21.20% Behavior of the concerned person yes no
  21. 21. Concerned official gave Satisfactory Answers Frequency Percent Valid Percent Cumulative Percent Valid YES 40 76.9 76.9 76.9 NO 12 23.1 23.1 100.0 Total 52 100.0 100.0 76.90% 23.10% Concerned official gave You Satisfactory Answer yes no
  22. 22. Satisfaction of customers towards loan sanctioning time Frequency Percent Valid Percent Cumulative Percent Valid Highly satisfied 8 15.7 15.7 15.7 satisfied 30 58.8 58.8 74.5 dissatisfied 8 15.7 15.7 90.2 Highly dissatisfied 5 9.8 9.8 100.0 Total 51 100.0 100.0 15.70% 58.80% 15.70% 9.80% Duration Taken By Bank Highly satisfied Satisfied Dissatisfied Highly dissatisfied
  23. 23. Cross-tabulation between Amount of loan taken and Duration of sanctioning loan
  24. 24. Findings & Suggestion
  25. 25. Objective 1:-To study various retail loan products provided by Bank of Baroda. FINDINGS:-  There are only 19.6% respondents who took education loan from bank of baroda.  There are 86.5% customers have awareness regarding no hidden charges of Bank SUGGESTIONS:-  BOB has to reduce it’s rate of interest to increase it’s customers.  Make aware customers about the least processing charges of BOB rather than other banks.
  26. 26. CONTD.. FINDINGS:-  There are 40.4% customers who feel good about the rate of interest of Bank of baroda with Peer banks. SUGGESTIONS:-  Bank Should focus on customers wants regarding rate of interest.
  27. 27. Objective:-2 To study the satisfaction level of customers towards the Banking services FINDINGS:-  There are 33.3% customers who are not satisfied with paper formalities of bank.  There are 15.7% customers who are dissatisfied with the loan sanction time of bank. SUGGESTIONS:-  Bank has to emphasis on online process.  Bank should reduce some paper formalities and try to approve loan in appropriate time.
  28. 28. Thank you…

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