INDUSTRI VISIT OF report on DCB bank.pptx

Industry Visit Report: DCB Bank
Table of Contents
Introduction

Objective of the Visit
Overview of DCB Bank
DCB Bank: A Brief History

Founding and Evolution
Milestones and Achievements
Pre-Visit Preparation

Understanding Banking Sector
Research on DCB Bank
Setting the Agenda
The Visit

Arrival and Welcome
Initial Briefing and Overview
Tour of Facilities
Banking Operations

Retail Banking
Corporate Banking
SME Banking
Digital Banking
Departments and Their Functions

Customer Service
Credit and Risk Management
Treasury and Investments
IT and Digital Innovation
Insights from Key Interactions

Meeting with Senior Management
Employee Perspectives
Customer Experience
Technological Integration

Digital Banking Platforms
Cybersecurity Measures
Future Tech Initiatives
CSR and Sustainability

Community Engagement Programs
Environmental Initiatives
Financial Inclusion Efforts
Challenges and Opportunities

Regulatory Environment
Market Competition
Emerging Trends
Conclusion

Key Learnings
Overall Impressions
Recommendations for Future Engagement
1. Introduction
Objective of the Visit
The primary objective of our industry visit to DCB Bank was to gain a comprehensive understanding of the operational dynamics of a mid-sized private sector bank in India. This involved examining various banking functions, technological advancements, and customer service strategies, as well as understanding the bank's role in the broader economic and financial system.

Overview of DCB Bank
DCB Bank, originally known as Development Credit Bank, is a modern emerging new-generation private sector bank with 400 branches across India. Headquartered in Mumbai, the bank has made significant strides in retail, corporate, SME, and agriculture banking segments. DCB Bank is known for its robust digital banking initiatives and customer-centric approach, aiming to provide seamless banking experiences through a blend of traditional and modern banking solutions.

2. DCB Bank: A Brief History
Founding and Evolution
DCB Bank's origins trace back to the 1930s when it was incorporated as Ismailia Co-operative Bank Limited and the Masalawala Co-operative Bank. These two banks were merged to form Development Credit Bank in the 1980s. Over the years, DCB Bank has evolved through various phases of growth and transformation, from a cooperative bank to a fully-fledged commercial bank with a strong presence in India's financial landscape.

Milestones and Achievements
Key milestones in the bank's history include its conversion to a scheduled commercial bank in 1995, the public listing on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE) in 2006, and significant technological upgrades in the 2010s. Notable achievements include various awards for excellence in retail banking, SME banking, and digital innovation.

3. Pre-Visit Preparation
Understanding Banking Sector
To prepare for the visit, our team conducted extensive research on the banking sector, focusing on the challenges

1. DCB BANK PRESENTED BY: PRIYANKAR MONDAL

2. Contents Introduction What is GOLD LOAN? Company Profile Board of Director Total REVENUE Conclusion

3. INTRODUCTION It was organised by the Bengal Institute of Business Studies for the MBA (Finance ) 1 st semester in order to enhance their practical knowledge regarding the GOLD LOAN On 09 /02/2024, we initiated our visit to the DCB BANK at 04 :00 p m and reached 42/1b Gariahat Rd, Dhakuriya South End Park, Ward Number 90, Kolkata, West Bengal 700029 We meet the Business Head Mr Pankaj Chowdhury and the staff of the organization who gave a warm welcome to the students.

4. WHAT IS GOLD LOAN? A secured loan taken by the borrower from a lender by pledging their gold articles [ withen a range of 18-24 carats] as collateral. The loan amount provided is a certain percentage of the goald , typically upto 80% based on the current market value and quality value and quality of gold.

5. Company Profile It is a scheduled bank regulated bank regulated by the Reserve Bank of India. It is professionally managed and governed. DCB BANK strives to leverage technology to enhance the overall banking experienced for its customers.

6. Board of Directors Mr. MURLI M NATARAJAN Managing Directors Mr. Farokh N SUBEDER – Chairman & Independent Director

7. THE OPERATING REVENUE OF DCB BANK IS IN THE RANGE OF OVER INR 100 Cr FOR THE FINANCIAL YEAR ENDING ON 31 MARCH 2023. WHAT IS THE REVENUE OF DCB BANK ?

8. Conclusion Industrial visits are a value-added learning method for professional students. The visit helped us to gain practical experience of how the industry work proceeds and is executed. Industrial visits also seem to present networking opportunities for the student with the company’s HR. It increases the opportunities for internships, placements, etc., for students. Therefore, industry visits are an excellent way to gain the maximum amount of practical and technical knowledge on our area of interest.