Internal Guide External Guide For Jammu And Kashmir Bank Limited Srinagar

Kotak Mahindra Bank ltd. is an Indian bank and financial service firm which was established in 1985. Earlier, it was known as Kotak Mahindra Finance Limited, a NBFC(non-banking financial company). In feburary 2003, the Reserve bank of India gave license to Kotak Mahindra Finance ltd. to carry our baking business in the country and in the history of Indian Banking, it is the first company that is being converted into bank. As so September 2014, the bank has consolidated balance sheet of US $3.3 billion and has over 500 branches and more than 1000 ATM’s across the country.

Retail banking is, however, quite broad in nature - it refers to the dealing of commercial banks with individual customers, both on liabilities and assets sides of the balance sheet. Fixed, current / savings accounts on the liabilities side; and mortgages, loans (e.g., personal, housing, auto, and educational) on the assets side, are the more important of the products offered by banks. Related ancillary services include credit cards, or depository services. Retail banking refers to provision of banking services to individuals and small business where the financial institutions are dealing with large number of low value transactions. This

Askari commercial bank commenced its operation in 1992 and the main headquarters of Askari bank is placed near AWT Plaza. Askari bank comprises of 326 branches all over the Pakistan, I was given the opportunity to experience internship in the branch Bilal Plaza, Haider Road Rawalpindi. It was my golden chance and first step of my professional life. Askari Bank expanded its department in three story building to deal with unique desires and facilitates the customers appropriately. It comprises of ten departments and twenty three employees. The significance of the bank can be calculated, keeping in view the other businesses and currency markets located in the vicinity. The environment of bank is very dynamic and attractive. The branch is well managed; staff is well mannered and hardworking with enormous devotion. They are committed to their work and always prepared to assist other staff members in case of any emergency. They also cooperate with internees while providing information related to their work and the bank. The bank manager of this branch is Ibrahim Ur Rehman. Gentleman is very superb natured and conscientious. The bank held a great image in public for making good relations with customers and providing them vast services. To operate the operations of bank every staff member has access of software called Flex Cube using their own account present on the server.

Thus, on the whole, Financial Inclusion has the potential to bring in the unbanked masses into the formal banking system, channelize their savings, stoke their entrepreneurial ambitions by making available credit and thus give a fillip to the

The Awards were presented by the Asian Bankers Association (ABA) and Bank Marketing Association of the Philippines (BMAP) in the Asia Pacific Bankers Congress (APBC) 2004 on March 26, 2004 in Manila, Philippines.

However, as noted by a recent inquiry done by Ministry of Finance, there remains a case for catalysing the process of attaining greater financial inclusion, with the overarching goal of including over 90% of underserved sections of society in the ambit of formal finance by the year 2021.

The main purpose of this study is to assess effect of Mobile Money Services (MMS) on the performance of the banking institutions: a case of Kakamega town. Thus, it seeks to examine how various mobile money services transactions’ impact on the performance of banking institutions in Kakamega town and also to establish the effect of accessibility to mobile money services on the performance of banking institutions in Kakamega town and finally the effect of efficiency and proficiency of mobile money services on the performance of banking institutions in Kakamega town. A sample of 115 respondents will be used to gather data from 13 financial institutions in Kakamega town. Data collection will be basically through self-administered questionnaires, both structured and semi-structure; interviews and observation.

On one hand we talk about the increasingly aware Indian Middle classes who have access to disposable income and we also talk about how banks are providing them with various innovative new and attractive schemes and products and thereby are offering them with a safe and secure future.

The present study is of analytical and exploratory nature. Accordingly, the use is made of primary data. The primary data is collected with the help of pre-tested structured questionnaires from a sample of 450 respondents from Haryana, Delhi, Chandigarh and Punjab using the services provided by the various branches of PSBs, PSIBs and PSFBs. A sample of 450 respondents/customers is taken (150 respondents from each group) with the help of judgment or purposive sampling method.

I take this opportunity with much pleasure to thank all the people who have helped me through the course of my journey towards producing this report a part of the MBA Program offered at IBS, Hyderabad. I would like to thank Prof. Aruna my Faculty Guide for always

Even after 68 years of independence, still large section of population remains unbanked which mainly include poor people who don’t have regular income or people who are laborers and also large number of farmers are excluded from financial services. This malaise has led generation of financial instability in our country and lower income group faces many problems in terms of financial services because access to financial products and services is very costly for them they can’t effort such charges that’s why they are unbanked today. However, in the recent years the government and Reserve Bank of India has been pushing the concept and idea of financial inclusion.

In a year’s time, the number of banks in India will rise by more than 45%. Until 2014 there were 25 public sector banks (PSBs) and 20 private banks, i.e. a total of 45 banks. With the Reserve Bank of India (RBI) having granted licenses to 2 private banks, 11 payment banks and 8 small finance banks, the number will rise to 66 in about 18 months when these banks get functioning. Contrast this with the period from 1990 to 2014 when only 9 banks were given licenses, but in 2014-15 alone, 21 licenses have been granted; it spells a serious change in market dynamics.

The Reserve Bank of India Act of 1934 entrust all the important functions of a central bank the Reserve Bank of India.

A bank is an institution that deals in money and its substitutes and provides other financial services. Banks accept deposits and make loans or make an investment to derive a profit from the difference in the interest rates paid and charged, respectively.

Perkembangan bank syariah dipelopori oleh Pakistan, pada tahun 1979 sistem bunga dihapuskan dari operasional tiga institusi: National Investment, House Building Finance Co, dan Mutual Funds of the Investment Corporation of Pakistan. Pada tahun 1985 seluruh sistem perbankan Pakistan dikonversi dengan sistem yang baru, yaitu sistem perbankan syariah. Sedangkan di Mesir bank syariah pertama yang didirikan adalah Faisal