BHUBANESWAR

THESIS SYNOPSIS
Submitted to:IIPM, Bhubaneswar

Submitted by:Shivani Panda PGP/SS/2009-11

Details of the student Name- Shivani Panda Batch- PGP/SS/09-11 Specialization- Finance and Marketing Phone No- 09692138953 Email Id- shivanipanda89@gmail.com Area of Research Banking Title of Thesis An analysis of the effect of the deregulation of commercial banks investment in India Research objectives In the recent years the financial system especially the commercial banks have undergone numerous changes in the form of reforms, regulations & norms. The focused areas are as follows:1) Deregulated interest rate structure 2) Lack of focus on profitability 3) Lack of transparency in the banks balance sheet 4) Lack of competition 5) Excessive deregulation on organization structure and managerial resources Research Methodology
DATA SOURCE: 1) Primary Data: Primary data will be collected from the company balance sheets and company

profit and loss statements. 2) Secondary Data: Secondary data on the subject will be collected from journals, Company prospectus, company annual reports and IMF websites, and other websites. Justification for choosing the particular research There is a chance to learn rapidly changing face of commercial banking system. I can know better about the banks in India and the benchmark against the best in the world. I will come to know that for a strong and resilient banking and financial system, therefore, commercial banks need to go beyond peripheral issues and tackle significant issues like improvements in profitability, efficiency and technology, while achieving economies of scale through consolidation and exploring available cost-effective solutions. These are some of the issues that need to be addressed if banks are to succeed, not just survive, in the changing milieu.

Introduction of research The analysis is about the deregulation impact on commercial banks, and thrifts associated with major events progressively integrating commercial and investment banking activities. In recent years, many of the restrictions on banking activities adopted following the banking collapse of the 1930s have been eroded by improvements in technology and high interest rates, which led to increasing direct competition from unregulated institutions. Beginning in the 1970s, the regulatory agencies, state legislatures, and the Congress have moved to liberalize these restrictions. Based on research on economies of scale and scope, the experience of the conglomerate merger movement of the 1950s and 1960s, the observed effects of changes in state laws governing branches and holding companies, foreign experience, and experience in other industries that underwent deregulation, banking deregulation is likely to lead to reductions in the number of banks and increases in their efficiency, geographic scope, and product diversification. Such an outcome is consistent with the survival of a large number and variety of financial institutions and need not endanger the safety of the banking system. Scope of the thesis work The market is seeing discontinuous growth driven by new products and services that include opportunities in credit cards, consumer finance and wealth management on the retail side, and in fee-based income and investment banking on the wholesale banking side. These require new skills in sales & marketing, credit and operations. Second, banks will no longer enjoy windfall treasury gains that the decade-long secular decline in interest rates provided. This will expose the weaker banks. Third, with increased interest in India, competition from foreign banks will only intensify. Fourth, given the demographic shifts resulting from changes in age profile and household income, consumers will increasingly demand enhanced institutional capabilities and service levels from commercial banks. Summer Training Topic Company : Bharti Axa Life Insurance Position : Recruitment officer Period of work : 1st Dec 2009 to 31st Jan 2010 Project Details: I had been appointed as a Recruitment Officer where I was assigned to recruit segment advisors as well as life advisors for the company. The main objective behind this internship assignment was to establish myself as a complete package there by adding much of a value addition to my learning curve in terms of developing the level of competency and effectively create a wide network of public relation with the best possible approach. Details of the External guide Rajendra Jena Branch Head, (ING Vysya Bank) Bhubaneswar. Ph-9937034570 Email ID- rajendran@ingvysyabank.com