This document presents a summer internship presentation on analyzing retail asset products of marketing in a competitive environment at Bank of Baroda. It provides an overview of Bank of Baroda, including its profile, products offered, and objectives of the study. Data was collected through interviews and questionnaires from existing and new customers. Key findings include that only 19.6% of respondents took education loans, while 33.3% were dissatisfied with paper formalities and 15.7% were dissatisfied with loan sanction times. Suggestions include reducing interest rates and paper formalities, and approving loans faster to increase customer satisfaction.

1. SUMMER INTERNSHIP PRESENTATION ON
“Analytical Study of Retail Asset Product of
Marketing in Compitative Environment”
At
Submitted By:-
Divya Agarwal
PGDM-BM
Enrollment No.-BM/JULY/15/28/3078
Faculty Guide:- Corporate Guide: -
Dr. Ranjan Upadhyaya Mr. Harish Paliwal
Professor FMS-IRM Asst. General Manager
Jaipur Bank of Baroda Jaipur
,

2. Bank of Baroda Profile
 Founded - 20 July 1908
 Headquarters -Vadodara
 Key people - Ravi Venkatesan (Chairman)
P.S. Jayakumar (CEO&MD)
 Industry - Banking
 Products - Financial Services
 Employees - 38737
 Branches - 5478 (India)
- 585 (Rajasthan)
 Owner - Government of India
 Website - www.bankofbaroda.com
 Tagline - India’s International Bank

3. Introduction
Assets that are retailable - The estimated
amount for giving loans to fruitful projects - In
every years budget preparation, a certain portion
is kept for certain development and certain help
for deserving that supports the nation and the
bank's interests. Such amount is the retail asset.

4. Asset Product of Bank of Baroda
Education loan
1. Baroda Vidya
2. Baroda Gyan
3. Baroda Scholar
4. Baroda career Devleopment
Auto loan
1. Two wheeler
2. Car loan

5. Education loan
Loan Eligible
amount
Margin Rate of interest
Baroda vidya Max 4 lac nil Base rate+2.5%
Baroda Gyan
(Study India)
Max 10 lac Up to 4 lac -
NIL
12.13%
Above 7.5 lac
Base rate+1.75%
Baroda
scholar
(study abroad)
Max 20 lac Above 4 lac
5% (India)
15% (abroad)
Abroad 15%
Career
development
Max 10
lac(India)
Max 20 lac
(abroad)
15% (any
scholarship
will not be
included)
Base rate+ 2.75%= 12.40

6. Auto loan
Auto loan eligibility margin Rate of
interest
Two wheeler 5 times of GMI
EMI= max 60
10% on invoice
value
Base Rate +
4%i.e.
13.65%
(staff & ex
staff)
Car loan 24 times of
GMI(salaried)
Loans up to 15 lac
for new car -15% of
Road price > 15
lac – 20% on road
price for Old Car.
40% of agreed sale
price.
Base rate
+0.25%=9.9
0%

7. Broad Objective of Study
The broad objective of the study is “To
Analyze of Retail Asset Product of Marketing
in Competative Environment”
Specific objectives: -
 To study various retail loan products
provided by Bank of Baroda.
 To study the satisfaction level of
customers towards the Banking services
.

9. • Descriptive research Design was followed in the study
Research Design :
• Convenience Sampling
Sampling Technique:
• All the customers of bank of Baroda Nehru Place
branch are the part of universe.
• Universe size:- 500
Universe:
• 103 Customers
• 51- Existing Customer
• 52 – New customer
Sample Size:

10. Tools of
data
collection
Interview
Questionnaire
Graphical
presentation
Pie Charts
Data
Analysis
Tool
SPSS Tool

11. Data Analysis and Interpretation

12. Objective 1
 To study various retail loan products
provided by Bank of Baroda.
Respondents :- Existing customers of
Bank of Baroda

13. Availed any loan from bank of baroda
Frequency Percent Valid Percent
Cumulative
Percent
Valid YES
51 100.0 100.0 100.0
100%
Avail any loan
Yes

14. Kind of Loan taken by respondents
Frequency Percent Valid Percent
Cumulative
Percent
Valid Auto loan 17 33.3 33.3 33.3
Personal loan 10 19.6 19.6 52.9
Education loan 10 19.6 19.6 72.5
Home loan 14 27.5 27.5 100.0
Total 51 100.0 100.0
33.30%
19.60%
19.60%
27.50%
Type of Loan
Auto loan
personal loan
Education loan
Home loan

15. Amount of sanction loan
Frequency Percent Valid Percent
Cumulative
Percent
Valid Up to 5 Lac 24 47.1 47.1 47.1
6-10Lac 16 31.4 31.4 78.4
10-15Lac 6 11.8 11.8 90.2
More than 15Lac 5 9.8 9.8 100.0
Total 51 100.0 100.0
47.10%
31.40%
11.60%
9.80%
Amount of sanction loan
up to 5 lac
6-10 lac
10-15 lac
more than 15 lac

16. Paper Formalities in Whole
Process
Frequency Percent Valid Percent
Cumulative
Percent
Valid Justified 34 66.7 66.7 66.7
Too Much 17 33.3 33.3 100.0
Total 51 100.0 100.0 11
66.70%
33.30%
paper formalities
jistified
too much

17. Mode of Payment
Frequenc
y Percent
Valid
Percent
Cumulative
Percent
Valid Cash 3 5.8 5.8 5.8
Cheque 11 21.2 21.2 26.9
ECS 34 65.4 65.4 92.3
Wire
Payment
4 7.7 7.7 100.0
Total 52 100.0 100.0
6%
21.20%
65.40%
7.70%
Mode of Payment
Cash
Cheque
ECS
Wire payment

18. Awareness regarding hidden charges of
BOB
Frequency Percent Valid Percent
Cumulative
Percent
Valid YES 45 86.5 86.5 86.5
NO 7 13.5 13.5 100.0
Total 52 100.0 100.0
86.50%
13.50%
Awareness regarding hidden charges
yes
no

19. Comparison in rate of interest
with peer banks ( SBI, ICICI )
Frequency Percent Valid Percent
Cumulative
Percent
Valid Excellent 14 26.9 26.9 26.9
Good 21 40.4 40.4 67.3
Satisfactory 14 26.9 26.9 94.2
Bad 3 5.8 5.8 100.0
Total 52 100.0 100.0
26.90%
40.40%
26.90%
5.80%
Comparison of Interest Rates with Peer
Banks
Exellent
Good
Satisfactory
Bad

20. Objective 2
To study the satisfaction level of
customers towards the Banking
services
Respondents:- New customers

21. Satisfaction with overall behavior of the
concerned person
Frequency Percent Valid Percent
Cumulative
Percent
Valid YES 41 78.8 78.8 78.8
NO 11 21.2 21.2 100.0
Total 52 100.0 100.0
78.80%
21.20%
Behavior of the concerned person
yes
no

22. Concerned official gave Satisfactory Answers
Frequency Percent Valid Percent
Cumulative
Percent
Valid YES 40 76.9 76.9 76.9
NO 12 23.1 23.1 100.0
Total 52 100.0 100.0
76.90%
23.10%
Concerned official gave You Satisfactory
Answer
yes
no

23. Satisfaction of customers towards loan sanctioning
time
Frequency Percent Valid Percent
Cumulative
Percent
Valid Highly satisfied 8 15.7 15.7 15.7
satisfied 30 58.8 58.8 74.5
dissatisfied 8 15.7 15.7 90.2
Highly
dissatisfied 5 9.8 9.8 100.0
Total 51 100.0 100.0
15.70%
58.80%
15.70%
9.80%
Duration Taken By Bank
Highly satisfied
Satisfied
Dissatisfied
Highly dissatisfied

24. Cross-tabulation between Amount of loan taken
and Duration of sanctioning loan

25. Findings & Suggestion

26. Objective 1:-To study various retail loan products
provided by Bank of Baroda.
FINDINGS:-
 There are only 19.6% respondents who took
education loan from bank of baroda.
 There are 86.5% customers have awareness
regarding no hidden charges of Bank
SUGGESTIONS:-
 BOB has to reduce it’s rate of interest to increase
it’s customers.
 Make aware customers about the least processing
charges of BOB rather than other banks.

27. CONTD..
FINDINGS:-
 There are 40.4% customers who feel
good about the rate of interest of Bank
of baroda with Peer banks.
SUGGESTIONS:-
 Bank Should focus on customers
wants regarding rate of interest.

28. Objective:-2
To study the satisfaction level of customers
towards the Banking services
FINDINGS:-
 There are 33.3% customers who are not
satisfied with paper formalities of bank.
 There are 15.7% customers who are
dissatisfied with the loan sanction time of
bank.
SUGGESTIONS:-
 Bank has to emphasis on online
process.
 Bank should reduce some paper
formalities and try to approve loan in
appropriate time.

29. Thank
you…