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Retail Sector

 Essay in Retail Sector

IDBI FINANCIAL INSTITUTION LTD.

RISK AND TRUST IN RETAIL BANKING(Retail Asset)

Well guided by: Mr. Akhilesh Prakash

Posted by: SAURABH MEHTA Entry No . -2011MB0036Department of Supervision StudiesINDIAN SCHOOL OF MINES, DHANBAD |

DECLARATION

I, the undersigned, hereby declare the fact that Project Survey entitled " IDBI TRADITIONAL BANK LTD- RISK AND TRUST IN RETAIL BANKING(Retail Assets)” crafted and posted by me personally to DEPARTRMENT OF ADMINISTRATION STUDIES, OF INDIA SCHOOL OF MINES, DHANBAD in partially fulfilment from the requirements intended for the award of level of MASTER OF BUSINESS GOVERNMENT under guidance of Mr. Akhilesh Prakash, Centre Head-Retail Assets, IDBI Bank Ltd, Ranchi, Jharkhand, is my own original work and the realization drawn in it are based on the material collected by myself.

PLACE: Ranchi

PARTICULAR DATE: SAURABH MEHTA

CERTIFICATE

This is certainly to approve that the Job Report permitted " IDBI BANK LTD- RISK AND TRUST IN SELLING BANKING (Retail Assets)” which is being published herewith intended for the award of the level of MASTER OF BUSINESS GOVERNMENT of Department of Administration Studies, Indian School of Mines, Dhanbad is the result of original study completed by simply SAURABH MEHTA under my personal supervision and guidance.

PLACE: RANCHI

DAY: AKHILESH PRAKASH Centre Head-Retail Assets, IDBI Bank Ltd, Ranchi, Jharkhand

ITEMS

1) Recommendation

2) Preamble

3) About the bank……………………………………………………………... 9-14 a) Profile of the bank………………………………………………………. 10 b) Background……………………………………………………………... 14 c) Subsidiaries of the bank…………………………………………………13

4) Introduction to the topic……………………………………………………. 15-20 a) Retail Banking………………………………………………………….. of sixteen b) Risk in Retail Banking………………………………………………….. seventeen c) Trust of banking customers……………………………………………. 18 d) Standing of banks………………………………………………. 19 e) Connection between Risk, Trust and Retail Banking…………………….. 20

5) Objective with the study……………………………………………………... 21

6) Methodology………………………………………………………………. 22

7) Extensive analysis with the Retail Asset products……... …………….. 23-28 d) Home Loan…………………………………………………………….. 23 e) Mortgage Loan…………………………………………………………24 f) Automobile Loan……………………………………………………………... twenty-five g) Education Loan………………………………………………………... twenty-seven

8) Risks in Retail Banking (Retail Asset)……………………………………. 29-52 h) RCU: Opportunity and Need…………………………………………………29 i) Types of risks………………………………………………………….. 31 j) CNT Act………………………………………………………………. 41 k) Process of risk control…………………………………………………44 l) RCU Causes at CPA (CERTIFIED PUBLIC ACCOUNTANT) level……………………………………………47 m) Role/Process for Credit, Procedure and Collection activity of RCU…... 50

9) Areas of Trust and Trustworthiness in Retail Banking…………………. 53-68 n) Introduction……………………………………………………………51 o) Literature Review……………………………………………………... 52 p) Data evaluation and interpretations………………………………………58

10) Conclusions & Suggestions ………………………………………………… 69

11) Conclusion………………………………………………………………… 70

12) Appendices…………………………………………………………………...

Referrals: As in March 31, 2012, the Bank had a network of 973 Branches and 1542 ATMs. The Bank is actually total business, during Fy 2011-12, reached Rs. several, 91, 651 Crore, Balance sheet reached Rs. 2, 80, 837 Crore while it earned a net profit of Rs. 2032 Crore (up by 3. 15 %).

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| IMTCL, a wholly held subsidiary of IDBI Traditional bank, was included on January 25, 2010

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| ITSL was designed on March 8, 2001 for carrying out trusteeship and other related business

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