A

RESEARCH REPORT
ON
ELECTRONIC BANKING

SUBMITTED IN PARTIAL FULFILMENT OF THE REQUIREMENT & THE AWARD
OF THE DEGREE
OF
MASTERS OF BUSINESS ADMINISTRATION
(SESSION :- 2O12-14)




Submitted To: Submitted by:
Kurukshetra University, Name: Yeshpal Saini
Kurukshetra Class: M.B.A. 4
th
sem.
(Finance/Marketing)
Roll no.: 14312024
University Roll no.: ..................



DOON VALLEY INSTITUTE OF COMPUTER APPLICATION, KARNAL
APPROVED BY AICTE
(AFFILIATED TO KURUKSHETRA UNIVERSITY, KURUKSHETRA)

ACKNOWLEDGEMENT


It is my pleasure to be indebted to various people, who directly or indirectly
contributed in the development of this work and who influenced my thinking, behaviour, and
acts during the course of study.

I express my sincere gratitude to Dr. R.S. Chauhan, worthy Principal for providing me an
opportunity to complete my research project.

I am thankful to Mrs. Neenu Ahuja (HEAD OF THE M.B.A.DEPT.) for his support,
cooperation, and motivation provided to me during the Research & his constant inspiration,
presence and blessings.

I also extend my sincere appreciation to MBA FACULTY who provided his valuable
suggestions and precious time in accomplishing my research project report.



(Yeshpal Saini)







DECLARATION

I, Yeshpal Saini, here by declare that the Research Report on ELECTRONIC BANKING submitted
to Kurukshetra University, Kurukshetra in partial fulfilment of degree of masters of business
administration is the original work conducted by me.

I solemnly declare that the work done by me is original and no copy of it has been submitted to any other
university for award of any other degree, diploma, and follow on similar title.

Yeshpal Saini
















PREFACE

Performance in terms of profitability is a benchmark for any business enterprise including the
banking industry. However, increasing NPAs have a direct impact on banks profitability as
legally banks are not allowed to book income on such accounts and at the same time banks are
forced to make provision on such assets as per the Reserve Bank of India (RBI) guidelines.
Also, with increasing deposits made by the public in the banking system, the banking industry
cannot afford defaults by borrowers since NPAs affect the repayment capacity of banks.
Further, Reserve Bank of India (RBI) successfully creates excess liquidity in the system through
various rate cuts and bank fail to utilize this benefit to its advantage due to the fear of burgeoning
non-performing assets.
Lending by banks has been highly politicized. It is common knowledge that loans are given to
various industrial houses not on commercial considerations and viability of project but on
political considerations. Some politicians would ask the bank to extend the loan to a particular
corporate house and the bank would oblige. In normal circumstances banks, before extending
any loan, would make a through study of the actual need of the party concerned, the prospects of
the business in which it is engaged, its track record, the quality of management and so on. Since
this is not looked into, many of the loans become NPAs.






TABLE OF CONTENT



S. No Title Name Page No.
1. Introduction To Research Project
2. Literature Review
3. Objectives Of The Study
4. Research Methodology
5. Data Analysis And Interpretation
6. Findings
7. Limitations
8. Conclusion
9. Suggestion
Bibliography
Annexure/ Questionnaire