Presentation on dena bank

• 1. By
  First Semister MBA
  Group-B2
  Indira institute of management,pune
  Report on Dena bank
  

2. Introduction
What is a bank?
What is banking?
Indian banking history
Establishment of bank
Nationalization of bank
3. Market Structure
4. Current Trends and Technologies
Electronic Payment Services E Cheques
Real Time Gross Settlement (RTGS)
Electronic Funds Transfer (EFT)
Electronic Clearing Service (ECS)
Automatic Teller Machine (ATM)
Point of Sale Terminal
5. MarketingStrategy
Product
- Dena Bank provides its products and services in various sectors like Personal loans, Agriculture, SME, Infrastructure, Corporate,and Insurance etc.
Price
- Dena Bank provides different types of interest on different investments by the customer.
Place
- It refers to the place where the customers can buy the product and how the product reaches out to that place.
6. Continue . . .
Promotion
- The Dena Bank proactively educates all itscustomers about the new and the existing services that the bank offers.
People
- People refer to the customers, employees, management and everybody else involved in it.
Process
- Dena Bank has different processes to give customers best services.
Physical evidance
- Dena Bank provides differnet facilities to the customers in the Branches.
7. HR policies
Recruitment
Training
Adding and Developing Human Values
- Staff Meeting
- Brain Storming Session
- Study Circle
- Quality Circle
Stagnate
Exit policy
8. Organizational structure
9. SWOTAnalysis
Strengths
- Improving financial and potential to achieve business growth and profitability
- High CASAratio
- Improving employee productivity and business per branch
Weakness
- Few No. of Banches All over India
- Slower pace of branch expansion
- Lower business per branches
- No Branches in foreign Countries
10. Opportunity
-Bank will be able to position itself for the new challenges posed by the Base Rate regime
-Flow of credit is expected to improve to commercial sector
-Besides RBIs exit from stimulus packages, balance approach has insured that overall liquidity condition remains comfortable.
-All the three major components, viz. agriculture, industry and services are expected to support sustained momentum in growth
Threats
- Higher inflation rate
- Growth of agriculture depends on monsoon
- Economy largely depends on exports
- Increased competition from public, private and foreign banks
Continue . . .
11. Financial Analysis
Current Ratio:
- Current Ratio = Current Assets/Current Liabilities
= 57179.29 =1.039
54984.88
Cash Ratio:
- Cash Ratio = Cash + Marketable Securities
Current liabilities
= 4355.03 = 0.078
54984.88
Asset turnover Ratio:
- Net Asset turnover =Sale =0.079
Net Asset
12. Continue . . .
Net Working Capital Ratio:
- Net Working capital Ratio =Net working capital
Net Assets
=2194.41
57586.57
=0.03
Gross Profit Margin:
- Gross Profit Margin =Gross Profit
Sales
= 1068.10
4598.99
=0.23
Net Profit Margin:
- Net Profit Margin=Profit after tax
Sales
= 511.23= 0.111
4598.99
13. Current Position of Dena bank
Dena Bank stood 20th in Indian Bank sector
Assets of worth Rs. 57586.57 Crore in Financial year 2009-10
Percentage increase in Business Mix in year 2009-10 over 2008-09 is 20.52%
Dena Bank experienced Net Profit of Rs. 511.25 Crores in financial year 2009-10 with operating profit of Rs. 840.58 Crore in same year
Percentage increase in Net Profit in 2009-10 over 2008-09 is 20.96%
14. Rs. 87056 Crore of Business
Percentage increase in Net Profit in 2009-10 over 2008-09 is 20.96%
Continue . . .
15. Awards and significant events
4th prize by RBI forDena Jyotijournal
3rdprize in the competition organized by Maharashtra State Level Bankers Committee (Rajbhasha)
The bank has designed an implemented a special scheme `Dena Shakti' for self-reliance and economic upliftment of women.
The bank is also offering rural credit through self-help groups under the Dena Swarozgar Credit Card Scheme
One among the few Banks to receive the World Bank loan for technological upgradation and training
16. CSR Activities by Bank
Rural self employment training institute
Dena lakshmi shikshan protsahan yojana
Pioneer in farmer credit card : "DENA KRISHI SAKH PATRA" (DKSP)
Special policy for student
17. Conclusion
Dena Bank has its business mainly in Gujarat and Chhatisgarh
The bank has focused more on rural areas
The bank has started various schemes for rural population so as to help them mainly in agriculture sector
Bank plans to grow the business mix and targeting the value of Rs. 360 crores which is reflected in Goal Post 2013
Dena Bank is taking various steps to achieve this goal
18. Suggestions and Recommendations
Dena bank is widely spread in Gujrat as compared to other states of india, so Dena Bank should look at aggressively expanding in the other states of the country.
Dena bank should open their branches in foreign countries too which would help them to expand their business like some of their peer group banks like SBI,BOB etc .
Instead of annual recruitment policy Dena bank should switch to half yearly recruitment policy.
They should have more aggressive Marketing strategies to promote their services in different offices,organizations etc.
19. Differentiation Strategies
Support agricultural sector so as to support the major population of the country in rural area.
Arrangement of trainings like induction program so as to familiarize newly recruited employees to deal with people and providing right information in a right way
Trainings at managerial level are scheduled so as to sharpen their marketing skills
Marketing done by posters and pamphlets
Various activities like Dena RUDSETI have been undertaken to generate employment
Bank proposes to offer 20-30 Skill Development programs
20. Thank You
21. Questions ??????