INTEREST RATE RISK

The chances of capital loss due to interest rate changes. This characteristic is associatedmore

with fixed interest bearing securities whose market prices move down or up asyields on comparable securities rise or fall.RPCB has

very low interest rate risk in their investments because they invest their fundsmostly in government securities and fixed deposits

with the nationalized bank. Theyinvest in call money, government bonds and share of other companies so,if the interestrates

are changed by the Government , it will not affect the RPCB.RPCB has r isk free securiti es, which gives t he return on sec urities issued by

theGovernment which are deemed default fee. However, the Government securities aresubject to inflation and interest rate risk..

SUGGESSION S

Now a day s c o m pe t i t i o n i n b a n k i n g i n d us tries is very h i g h , se v e r a l p

rivate and commercial banks are in market. So RPCB should n o t miss its professional approach.70

B a n k s h o ul d a l so pr o v i d e newer facility like ATM, Net banking a n d Phone banking, Electronic

and Web transaction, On-line servicese t c . Bank should start phone banking and try to attract

m o r e a n d more customer.

Bank s area of working is limited. So bank should start moreb r a n c h e s

in urban as well as semi urban area. And the networkin g between branches is making more

powerful for better service.

There is very small network of marketing is RPCB. There is

noseparate department for marketing. In RPCB marketing is doingonly through advertisement

in local news papers and Templates.B a nk should develop its marketing area through network so b a n k can

collect more number of customers.

CONCLUSION
As a part of my curriculum, I have taken my summer

internship training in RAJKOTPEOPLE S CO-OPERATIVE BANK, AMIN MARG BRANCH, RAJKOT for 6 weeks.Staying w ith RPCB for a p

eriod of 6 weeks I can conclude t hat it is the almostdevel oping bank with great potential. All the branches and departments are operating71

well but still there is a requirement of highly skillful staff, well organized structure andmanagement

for further development.Qua lity wise and infrastructure wise its services are well accepted. This is one of the mostadvantage and plus point of

RPCB.During my summer training the points which I have observed are as under:

Bank has very good infrastructu

ral facility with cleanliness.

Each employee has given his/her separate table.

Fully organized work is being done over there.

All the employees are very much cooperative, friendly and tressing on

customer relation ship.

I have found that models which are there in the market of RPCB are giving

thebest services to its customer.

Here I felt that mine purpose of training has been solved as I was given wellsupport and

guidance without hesitation from the asst. manager and other staff members of RPCB at amin marg branch as well as head

office.F i n a l l y , I can say that under the guidance of efficient management andextremely dedicated h um a n

r e so ur c e s, I w i sh a n d pr e d i c t all great suc c e ss in its endeavors to RAJKOT PEOPLES CO-

OPERATIVE BANK.

BIBLIOGRAP HY
WEBSITE www.g oogle.com

Reference Books: 1. Financi al Management