PLACEMENT TRAINING REPORT

REPORT ON PLACEMENT TRAINING AT DHANLAXMI BANK GURUVAYOOR BRANCH

Submitted in partial fulfillment of the requirement for the award of BBA (Bachelor of BusinessAdministration) of Calicut University SUBMITTED BY : SHYAMA KAKKAT ROLL NO: 820871 GTAIBBA168 Under the guidance of commerce department of Chinmaya Mission College,Kolazhy.

CERTIFICATE

This is to certify that , Mis Shyama kakkat is a bonafide student of the department of commerce & management studies , and this report has been prepared by her in partial fulfillment of the requirement for the award of the degree bachelor of business administration from the University of Calicut , under my guidance during the academic year 2008-2011.

C. Radhakrishnan Lecturer

Place :Erumapetty Date :

DECLERATION

I SHYAMA KAKKAT , B B A student of Chinmaya Mission College , Kolazhy , here by declare that this report is made by me in accordance with the Placement Training conducted at the Dhanlaxmi Bank , Guruvayoor Branch . I made this report in addition of my B.B.A Degree course 2008-2011 of the University of calicut. I also emphasize that , this report is not been submitted previously by me fully or partially for the award of any degree or other similar title of any other University.

ACKNOWLEDGEMENT

I undertake this oppurtunity to thank Mr.C. Radhakrishnan lecturer in commerce , Chinmaya Misson College , Kolazhy for the valuable suggestions and encouragement to complete the work. Above to all my grateful thanks to the DIRECTOR , SCHOOL OF DISTANCEEDUCATION , CALICUT UNIVERSITY, for providing an oppurtunity to conduct the training. Many people have contributed directly and indirectly in bringing outhis report. I am thankful to all of them for their help and encouragement. Finally , I am grateful to my family and foremost , thank to god for helping sucessfully to complete the work.

INTRODUCTION

Internet Banking DBL introduced internet banking in 72 branches in its entire network Real Time Gross Settlement Scheme (RTGS) & National Electronic Fund Transfer (NEFT). These systems facilitate larde value payments and settlements in real time on-line mode on a transaction basis.

Milestones:

Incorporation 1st Branch Br. o/s Kerala SCB status 100 branches Public issue 1stATM Rights issue

: : : : : : : :

1927 1937 1975 1977 1980 1996 2000 2002

The distant past

Dependency in Kerala Banking business Infrastructure Employees Bulk of the business from the SME segment High NPA level Low employee base and Higher age of employees 207 branches and 72 ATMs

The Turning Point

As per RBI guidelines Net worth of Rs.300 crores No single shareholder with control in excess of 10% Decline in holding by the largest shareholder from 37% to 10% Change in Board of Directors with induction of highly reputed professionals Rights issue made in April, 2008 at a price of Rs. 62 per share Revamp in the top and senior management with emphasis on proven industry credentials and execution capabilities

Vision:
Large Profitable A Rated Bank

LARGE

PROFITABL E

A RATING

To be amongst the top 5 Private Sector Banks Balancesheet Size AssetQualityProfits Branch network

Mission:
TO BECAME A STRONG AND INNOVATIVE

BANK WITH INTEGRITY AND SOCIAL RESPONSIBILITY TO MAXIMISE CUSTOMER SATISFACTION AS WELL AS THAT OF THE EMPLOYEES , SHAREHOLDERS AND THE COMMUNITY .

Quality Policy:
THE DHANLAXMI BANK LTD WILL STRIVE TO MEET & EXCEED THE REQUIREMENTS OF THE CUSTOMERS THROUGH CONTINUAL IMPROVEMENT IN ALL ITS BANKING SERVICES .

Changing Consumer Demographics

Increasingly affluent, with a bulging middle class The youngest population in the world 65% of population below 35 years of age Rising savings rate >30% Increasing literacy levels Higher adaptability to technology Urbanization is a continuing trend Increasing "consumption" mindset in India

Channel Initiatives proposed for FY 2011

Addition of about 500 ATMs Fully functional Corporate Internet Banking Retail Internet Banking -enhancements E-tax payments Two factor authentication Verified by VISA Fully functional Customer Contact Center with IVR, Voice, Email, Chat Launch of Mobile Banking

BANK PROFILE

Bank Name Founder Established at Established year Manager guruvayur branch No : of staff (permanent) Extention counter Manager name Website

: : : : : : : : :

Dhanlaxmi Bank Group of 7 employees Guruvayoor 1976 Rajendran A. R 6 1 Govindan v. k www.dhanbank.com

FUNCTIONAL DEPARTMENT

Translate the strategy to operational terms

The strategy
FINANCIAL PERSPECTIVE IF WE SUCEED HOW WILL WE
FACE OUR SHAREHOLDERS

Measurement is the language that gives clarity to vague concepts Measurement is used to communicate, not to control Strategy can be described as a series of cause and effect relationship

CUSTOMER PERSPECTIVE
TO ACHIEVE MY VISSON , HOW MUST I LOOK TO MY CUSTOMERS

Customer Perspective
"To SATISFY MY CUSTOMERS , AT WHICH PROCESS MUST I EXCEL

Organization Learning "To ACHIEVE MY VISION, HOW MUST

MY ORGANISATION LEARN& IMPROVE.

FINDINGS & SUGESTIONS

CONCLUSION

BIBLIOGRAPHY

1. Banking theory& practice:

K. Venugopal Abdul Asis.

2.Banking Theory & Practices 3.Financial Management 4.Banking Theory, Law & Practices 5. Financial Services

Shekar K.C. Pandey I.M. Gordon , Natrajan M.Y. Khan

REFERENCES: www.google.com www.dhanbank.com

Profit and loss account

particulars Q3FY2010

Q3-

Y-O-Y

FY2009 growth

9mFY2010

9mFY200 9

Y-O-Y
growth

Interest income Interest expense Net interest income Non interest income Operating expenses Staff cost

139.8 100.6 39.2 16.6 53.0 30.2

111.8 74.4 37.4 12.1 29.2 16.6 (4.0) 24.3 7.4 16.9

25.0% 35.2% 4.8% 37.2% 81.5% 81.9% _

384.1 287.4 96.7 59.1 128.8 74.4 7.0

293.5 30.9% 200.1 43.6% 93.4 38.4 81.9 45.8 (1.3) 51.2 16.0 35.2 (60.9)% (85.6)% (49.7)% 3.5% 53.9% 57.3% 62.4% _

Provisions 2.7 Profit before tax 0.1

(99.6)% _

20.0 2.3

Provision (1.2) for tax Profit after tax 1.3

(92.3)%

17.7

Balance sheet Rs. In crores

particulars Dec 31, 2009 Capital Reserves Deposits 64 378 6,002 Sept 30, 2009 64 377 5,629 140 407 6,618 678 1,698 4,002 48 192 6,618 June , 30 2009 64 371 5,070 38 249 5,792 589 1,523 3,489 46 145 ,5,792 250 5,643 686 1,567 3,196 46 147 5,643 232 75.1% Mar 31, 2009 64 360 4,969 _ Dec 31, 2008 64 346 9.3%
Y-O-Y
growth

4,615 30.1% _ _

Borrowing 299 Other Liabilities 406

TOTAL

7,149

5,256 36.0% 965 (43.4)%

Cash &Bank 546 balance Investmen ts 1,940 Advances Fixed assets 4,391 55

1,170 (65.8)% 2,939 (49.4)% 44 138 24.9% 57.8%

Otherasset 217

TOTAL

7,149

5,256 36.0%