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    ANNXURE

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    RiSHI KeSH GawaI
    This document discusses universal banking in India. It contains a questionnaire about opinions on universal banking practices, CSR initiatives, and competitors. It finds that universal banking would be effective in newly industrializing economies by reducing corporate financing costs, with the RBI playing a supervisory role. The conclusion states that universal banking is a fast-growing sector facing competition, requiring constant innovation in products, technology, and customer focus to gain a competitive edge.

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    ANNXURE

    Uploaded by

    RiSHI KeSH GawaI
    218 views4 pages
    This document discusses universal banking in India. It contains a questionnaire about opinions on universal banking practices, CSR initiatives, and competitors. It finds that universal banking would be effective in newly industrializing economies by reducing corporate financing costs, with the RBI playing a supervisory role. The conclusion states that universal banking is a fast-growing sector facing competition, requiring constant innovation in products, technology, and customer focus to gain a competitive edge.

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    This document discusses universal banking in India. It contains a questionnaire about opinions on universal banking practices, CSR initiatives, and competitors. It finds that universal banking would be effective in newly industrializing economies by reducing corporate financing costs, with the RBI playing a supervisory role. The conclusion states that universal banking is a fast-growing sector facing competition, requiring constant innovation in products, technology, and customer focus to gain a competitive edge.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    218 views4 pages

    ANNXURE

    Uploaded by

    RiSHI KeSH GawaI
    This document discusses universal banking in India. It contains a questionnaire about opinions on universal banking practices, CSR initiatives, and competitors. It finds that universal banking would be effective in newly industrializing economies by reducing corporate financing costs, with the RBI playing a supervisory role. The conclusion states that universal banking is a fast-growing sector facing competition, requiring constant innovation in products, technology, and customer focus to gain a competitive edge.

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    of 4

    UNIVERSAL BANKING

    I. ANNEXURE

    A. QUESTIONNAIRE

    1) Opportune time for transformation into universal bank

    Right Now 1Year hence 2 Year hence

    Others

    2) Are you satisfied with your banks overall CSR practices that are
    targeted at employees?
    Very satisfied Dissatisfied Satisfied

    Very dissatisfied

    3) Does your bank offer environmental friendly facilities at the work


    place?
    YES NO

    4) Does your bank provide financial support to environmental matters?
    YES NO

    5) Who are mainly your Competitors in banking sector?
    International Banks Public Banks
    Private Banks All the above
    6) Which sector in banking is more conscious about higher productivity
    and performance of employees?

    Public sector Bank Private sector Banks
    Foreign Banks Co-operative Banks

    i
    UNIVERSAL BANKING

    7) Do you agree the employees providing banking service to customers


    are the service providers, organisation for customers, brand and
    marketers?
    Strongly agree Agree
    Do not Agree No idea

    8) Would universal banking be effective in a newly industrializing
    economy?
    Yes No
    9) Does universal banking reduce corporate financing costs for a newly
    Industrializing economy?
    Yes No
    10) What should be role of RBI in universal banking scenario?
    Supervisory Power of de-facto control

    ii
    UNIVERSAL BANKING

    B. CONCLUSION

    The banking scenario has changed drastically. The changes which have

    taken place in the last ten years are more than the changes took place in last fifty years

    because of the institutionalization, liberalization, globalization and automation in the

    banking industry.

    Universal banking is the fastest growing sector of the banking industry with the

    key success by attending directly the needs of the end customers is having glorious future

    in coming years.

    Universal banking sector as a whole is facing a lot of competition ever since

    financial sector reforms were started in the country. Walk-in business is a thing of past

    and banks are now on their toes to capture business. Banks therefore, are now competing

    for increasing their business.

    There is a need for constant innovation in universal banking. This requires

    product development and differentiation, micro-planning, marketing, prudent pricing,

    customization, technological up gradation, home / electronic / mobile banking, effective

    risk management and asset liability management techniques.

    However, the kind of technology used and the efficiency of operations would

    provide the much needed competitive edge for success in universal banking business.

    Furthermore, in all these customer interest is of chief importance. The banking sector in

    India is representing this and I do hope they would continue to succeed in this traded

    path.

    iii
    UNIVERSAL BANKING

    C. BIBLIOGRAPHY

    BOOKS

    Research Methodology C.R. Kothari (New Age International Publishers,

    2nd edition)

    Shekhar K.C (2005), Banking Theory and Practice, Vikas Publishing

    House

    Visited Dena Bank branch Ulhasnagar

    D. WEBLIOGRAPHY

    WEBSITES

    www.banknetindia.com/banking/ubfeature.htm: Universal Banking:

    introduction, RBI rules and regulations, Universal Banking in India

    www.answers.com/topic/universal-banking: Universal Banking:

    definition

    www.investopedia.com/terms/u/universalbanking.asp Universal

    Banking: definition

    iv

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