hi this is shital k,from iimp,pune, i hope this presentation wud b useful fo u people

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. Marketing Strategy 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 its customers 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. SWOT Analysis Strengths - Improving financial and potential to achieve business growth and profitability - High CASA ratio - 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 RBI’s 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 for ‘Dena Jyoti’ journal 3rd prize 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 ??????