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TITLE
DECLARATION
CERTIFICATE
ACKNOWLEDGEMENT
CONTENTS
List of Tables
LIST OF FIGURES
List of Abbreviations
1 Introduction
Statement of the problem
Review of Literature
Objective
Hypotheses
Collection of Data
Sample frame
Tools for data collection
Tools for analysis
Limitations
Scheme of Reporting
References
2 Marketing Strategies of The Banking Industry
Traditional Banking
Development Banking Period
Bank Marketing Period
Household Segment
Institutional Segment
Rural Segment
The First P - Product
Formal Product
Augmented Product
The Second P - Price
The Third P - Place
The Fourth P - Promotion
The Fifth P - Process
The Sixth P - People
The Seventh P - Physical evidence
Currency option
Interest rate cap
Interest rate floor
Interest rate collar
Forward rate agreement
Total Branch Automation
Automated Teller Machine (ATM)
Electronic Fund Transfer
Anywhere banking
Anytime Banking
Home banking
Tele banking
Plastic Card
1.2.1 Primary Co-operative Banks - Selected Indicators
2.2.2 Statewise Distribution of Commercial Bank Branches
3.2.3 Statewise Distribution of Population per Branch Bank
4 2.4 Growth of Bank Deposits in Kerala
Marketing of Services - New Trend
Demographic changes
Social change
Economic Changes
References
3 Three Products and Mode of Communication with the Customers
5 3.1 Category of Bank personnel and location of bank branches
6 3.2 Category of Bank personnel and Region Coverage
7 3.3 Category of Bank personnel and Age of the Respondents
8 3.4 Category of Bank personnel and length of service
9 3.5 Category of Bank personnel and Educational Qualifications General
10 3.6 Category of Bank and Educational Qualifications - Technical
11 3.7 Location and Sex of the Respondents
12 3.8 Sex of the Respondents- Region wise
13 3.9 Status of the customers with the bank - location wise
14 3.10 Status of the customers with Bank- Region wise
15 3.11 Location and Occupation of Respondents
16 3.12 Occupation of Respondents - region wise
17 3.13 Location of Respondents and their Monthly income
18 3.14 Respondents monthly income - Region wise
19 3.15 Location of banks and Monthly savings of Respondents
20 3.16 Monthly savings of the Respondents - Region wise
21 3.17 Location of Bank Branch and NRI Deposits
22 3.18 Region of Bank Branch and NRI Deposits
23 3.19 Product and service dealt with by International Banking Location wise
24 3.20 Product and service dealt with by International Banking - Region wise
25 3.21 Location of Bank Branch and Product dealt with in relation to Consultancy
26 3.22 Product and services dealt with in relation to Consultancy - Region wise
27 3.23 Location of Bank Branch and Products services dealt with in relation to Advances
28 3.24 Region of Bank Branch and Products services dealt with in relation to Advances
29 3.25 Location of Bank Branch and Products and services dealt with by other Products
30 3.26 Region of Bank Branch and Products and services dealt with by other Products
31 3.27 Location of Bank. Branch and Products dealt with by Miscellaneous
32 3.28 Region wise products and service dealt with by Miscellaneous
1 3.1 Order of performance in each group
33 3.29 Category of Employees and training provided on bank marketing
34 3.30 Training provided in Bank Marketing - Location wise
35 3.31 Training provided in Bank Marketing - Region wise
36 3.32 Location wise market survey to assess market potential
37 3.33 Region wise market survey to assess market potential
38 3.34 Survey result to assess the market potential -- Location wise
39 3.35 Survey result to assess market potential - Region wise
40 3.36 Response of bank personnel on acceptance of bank product - location wise (weighted average score)
41 3.37 Response of bank personnel on acceptance of bank products - region wise (weighted average score)
42 3.38 Mode of communication with customers for informing product / service -- Location wise
43 3.39 Mode of communication with customers for informing product / service -- Region wise
44 3.40 Mode of communication with bank customers- location wise
45 3.41 Mode of communication with bank customers- location wise
46 3.42 Maintenance of information system- Location wise
47 3.43 Maintenance of information system- Region wise
48 3.44 Rating of information system of the bank branch - location wise
49 3.45 Rating of information system of the bank branch - Region wise
50 3.46 Rating of information system of the bank as whole-location wise
51 3.47 Rating of information system of the bank as whole - Region wise
References
4 Effectiveness of Strategies in Bank Marketing
52 4.1 Effectiveness of marketing strategies adopted by Bank in exploring profitable opportunities - location wise
53 4.2 Effectiveness of marketing strategies adopted by Bank for exploring profitable opportunities - Region wise
54 4.3 Effectiveness of marketing strategies adopted by Bank for policymakers - location wise
55 4.4 Effectiveness of marketing strategies adopted by Bank for policymakers - Region wise
56 4.5 Effectiveness of marketing strategies adopted by Bank for attaining target - location wise
57 4.6 Effectiveness of marketing strategies adopted by Bank for attaining target - Region wise
58 4.7 Effectiveness of marketing strategies adopted by Bank for better management - location wise
59 4.8 Effectiveness of marketing strategies adopted by Bank for better management - Region wise
2 4.1 Effectiveness of marketing strategies - bank personnel
Understanding Customer
Satisfying the customer
Excelling Competition
Formulating Product Mix
3 4.2 Product development process
Social Orientation
60 4.9 Category of bank personnel and the order of preference – weighted average score
61 4.10 Location of bank personnel and the order of preference – weighted average score
62 4.11 Region of bank personnel and the order of preference – weighted average score
63 4.12 Location of the Bank branch and view of the Respondents on the importance of bank marketing
64 4.13 Region of Bank branch and views of Respondents on the importance of bank marketing
65 4.14 Occupation of Respondents and views on importance of Bank marketing
66 4.15 Location of bank customer and benefit of bank marketing and the order of preference - weighted average score
67 4.16 Region of bank customer and benefit of bank marketing and the order of preference - weighted average score
68 4.17 Occupation of bank customer and benefit of bank marketing and the order of preference - weighted average score
69 4.18 Area found potential for the development with support of bank - Location wise
70 4.19 Area found potential for the development with support of bank - Region wise
71 4.20 Views on the area requiring financing support from Bank occupation wise
72 4.21 Views on the potential area requiring financial support from bank location wise
73 4.22 Views on potential area requiring financial support form bank Region wise
74 4.23 Reason for not conducting survey for assessing market potential - Location wise
75 4.24 Reason for not conducting survey for assessing market potential - Region wise
References
5 Customers Acceptance of the New Bank Products
76 5.1 Methods adopted for deposit mobilisation - Location wise
77 5.2 Methods adopted for deposit mobilisation - Region wise
78 5.3 Views on methods of Deposit mobilisation- Location wise
79 5.4 Views on methods of Deposit mobilisation- Region wise
80 5.5 Response of Bank Personnel to acceptance of fixed deposits by customers - location wise
81 5.6 Response of Bank personnel in acceptance of fixed deposits by customers-Region wise
82 5.7 Response of Bank Personnel in acceptance of Savings bank deposit - location wise
83 5.8 Response of Bank personnel to acceptance of Savings bank deposits by customers-Region wise
84 5.9 Response of Bank personnel to acceptance of current deposit by customers -•- Location wise
85 5.10 Response of Bank personnel to acceptance of current deposits by customers-Region wise
86 5.11 Response of Bank personnel to acceptance of recurring deposit by customers-location wise
87 5.12 Response of Bank personnel to acceptance of recurring deposits by customers-Region wise
88 5.13 Acceptance of the products available in order of preference (weighted average score) - Location wise
89 5.14 Acceptance of the products available in order of preference (weighted average score) - Region wise
90 5.15 Customers acceptance of the products available in the order of preference (weighted average score) - Location wise
91 5.16 Customers acceptance of the products available in the order of preference (weighted average score) - Region wise
92 5.17 Position of the NRI deposit in the banks - Location wise
93 5.18 Position of the NRI deposit in the banks - Region wise
94 5.19 Views on NRI Deposit - Location wise
95 5.20 Views on NRI Deposit Region wise
96 5.21 Views on NRI Deposit- Occupation wise
97 5.22 Present trend of NRI deposits - Location wise
98 5.23 Present trend of NRI deposits -- Region wise
99 5.24 Views on present trend on NRI Deposit Region wise
100 5.25 Views on Present trend on NRI Deposit Region wise
Social Factors
101 5.26 Location of bank and Bank personnels response to customers behaviour on social factors - Marital status
102 5.27 Bank personnels response to customer behaviour on social factor (Marital status), - Region wise
103 5.28 Location wise influence of social factors on customer in dealing with bank- marital status
104 5.29 Region wise influence of social factors on customers in dealing with bank- marital status
105 5.30 Location of bank and Bank personnels response about customers behaviour in dealing with the bank due to social factors - age
106 5.31 Region of bank and Bank personnels response about customers behaviour in dealing with the bank due to social factors - age
107 5.32 Location wise influence of social factors on customer in dealing with bank - age
108 5.33 Region wise influence of social factors on customers in dealing with bank - age
109 5.34 Location of Bank and response of bank personnel about customer behaviour on social factors - status of the family
110 5.35 Region of Bank and response of bank personnel about customer behaviour on social factors - status of the family
111 5.36 Location wise response of customers about the influence of social factors on customer in dealing with bank - status of the family
112 5.37 Region wise response of customers about the influence of social factors on customer in dealing with bank - status of the family
113 5.38 Location of Bank and response of bank personnel about the customer behaviour on social factors- Opinion leaders and intermediate
114 5.39 Region of Bank and response of bank personnel about the customer behaviour on social factors - Opinion leaders and intermediate
115 5.40 Location of Bank and response of customers about the customer behaviour on social factors - Opinion leaders and intermediate
116 5.41 Region of Bank and response of bank personnel about the customer.behaviour on social factors - Opinion leaders and intermediate
Economic Factors
117 5.42 Location of bank and Bank personnels response to customers behaviour on economic factors - Level of income 118 5.43 Region wise bank personnels response to customer behaviour economic factor - Level of income
119 5.44 Location of bank and Bank personnels response to customers behaviour on economic factors - savings
120 5.45 Region wise bank personnels response to customer behaviour on economic factor -- Savings
121 5.46 Location of bank and Bank personnels response to customers behaviour on economic factors - expenditure
122 5.47 Region wise bank personnels response to customer behaviour on economic factor - Expenditure
123 5.48 Location wise influence of economic factors to customer in dealing with bank - level of income
124 5.49 Region wise influence of economic factors to customers in dealing with bank -- level of income
125 5.50 Location wise influence of economic factors to customer in dealing with hank - savings
126 5.51 Region wise influence of economic factors to customers in dealing with bank - savings
127 5.52 Location wise influence of economic factors to customer in dealing with bank -- expenditure
128 5.53 Region wise influence off economic factors to customers in dealing with bank - expenditure
References
6 Attitude of Bank Personnel and Customers towards New Products
129 6.1 Location of bank and Bank personnels response to customers behaviour on Psychological factors - awareness of the product
130 6.2 Region wise bank personnels response to customer behaviour on Psychological factor - awareness of the product
131 6.3 Location of bank and Bank personnels response to customers behaviour on Psychological factors - motivation
132 6.4 Region wise bank personnels behaviour on Psychological factor - Motivation
133 6.5 Location of bank and Bank personnels response to customers behaviour on Psychological factors - conditioning
134 6.6 Region wise bank personnels response to customer behaviour on Psychological factor - Conditioning
135 6.7 Location wise influence of psychological factors on customer in dealing with bank - awareness of product
136 6.8 Region wise influence of psychological factors on customers in dealing with bank- awareness of the product
137 6.9 Location wise influence of psychological factors on customer in dealing with bank- motivation
138 6.10 Region wise influence of psychological factors on customers in dealing with bank- motivation
139 6.11 Location wise influence of psychological factors on customer in dealing with bank- conditioning
140 6.12 Region wise influence of psychological factors on customers in dealing with bank- conditioning
4 6.1 Influence of different factors on bank marketing
Promotion of Bank Marketing
5 6.2 The process of communication
Advertising
Public Relation
Telemarketing
Price Mix
Place mix
The Physical Attraction
141 6.13 Bank personnels response to Influence on advertising in the promotion of bank marketing -- location wise
142 6.14 Bank personnels response to Influence on advertising in the promotion of bank marketing - Region wise
143 6.15 Bank personnels response to Influence of developing new product in the promotion of bank marketing - location wise
144 6.16 Bank personnels response to Influence of developing new product in the promotion of bank marketing - Region wise
145 6.17 Bank personnels response to Influence of public relation in the promotion of bank marketing - location wise
146 6.18 Bank personnels response to Influence of public relation in the promotion of bank marketing - Region wise
147 6.19 Bank personnels response to Influence of personnel relation in the promotion of bank marketing - location wise
148 6.20 Bank personnels response to Influence of personnel relation in the promotion of bank marketing - Region wise
149 6.21 Response of bank personnel to Influence of telemarketing in the promotion of bank marketing - location wise
150 6.22 Response of bank personnel to Influence of telemarketing in the promotion of bank marketing - Region wise
151 6.23 Response of bank personnel to Influence of price mixing in the promotion of bank marketing - location wise
152 6.24 Response of bank personnel to Influence of price mixing in the promotion of bank marketing - Region wise
153 6.25 Response of bank personnel to Influence of place mixing in the promotion of bank marketing - location wise
154 6.26 Response of bank personnel to Influence of place mixing in the promotion of bank marketing - Region wise
155 6.27 Response of bank personnel to Influence of physical attraction in the promotion of bank marketing - location wise
156 6.28 Response of bank personnel to Influence of physical attraction in the promotion of bank marketing - Region wise
157 6.29 Response of bank personnel to Influence of ATM in the promotion of bank marketing - location wise
158 6.30 Response of bank personnel to Influence of ATM in the promotion of bank marketing - Region wise
159 6.31 Response of bank personnel to Influence of professionalism in the promotion of bank marketing -- location wise
160 6.32 Response of bank personnel to Influence of professionalism in the promotion of bank marketing - Region wise 161 6.33 Customers response to influence of advertising on bank marketing- location wise
162 6.34 Customers response to influence of advertising on bank marketing- Region wise
163 6.35 Customers response to influence of developing new products on bank marketing- location wise
164 6.36 Customers response to influence of developing new product on bank marketing - Region wise
165 6.37 Customers response to influence of public relation on bank marketing- Location wise
166 6.38 Customers response to influence of public relation on bank marketing- Region wise
167 6.39 Customers response to influence of personal relation on bank marketing - Location wise
168 6.40 Customers response to influence of Personal relation on bank marketing - Region wise
169 6.41 Customers response to influence of telemarketing on bank marketing- Location wise
170 6.42 Customers response to influence of telemarketing on bank marketing- Region wise
171 6.43 Customers response to influence of price mixing on bank marketing- Location wise
172 6.44 Customers response to influence of price mixing on bank marketing - Region wise
173 6.45 Customers response to influence of place mixing on bank marketing- Location wise
174 6.46 Customers response to influence of place mixing on bank marketing- Region wise
175 6.47 Customers response to influence of physical attraction on bank marketing- Location wise
176 6.48 Customers response to influence of physical attraction on bank marketing - Region wise
177 6.49 Customers response to influence of ATM on bank marketing - Location wise
178 6.50 Customers response to influence of ATM on bank marketing - Region wise
179 6.51 Customers response to influence of Professionalism on bank marketing - Location wise
180 6.52 Customers response to influence of Professionalism on bank marketing - Region wise
6 6.3 Factors influencing promotion of bank marketing
181 6.53 Views on nationalisation - Location wise
182 6.54 Views on nationalisation -- Region wise
183 6.55 Location wise categorisation of reason for supporting nationalisation
184 6.56 Reason for supporting nationalisation- Region wise
185 6.57 Reason for not supporting nationalisation-Location wise
186 6.58 Reason for not supporting nationalisation-Region wise
187 6.59 Views on nationalisation - Location wise
188 6.60 Views on nationalisation - Region wise
189 6.61 Location wise categorisation of reasons for supporting nationalisation
190 6.62 Region wise categorisation of reason for supporting nationalisation
191 6.63 Location wise categorisation of reason for not supporting nationalisation
192 6.64 Region wise categorisation of reason for not supporting nationalisation
7 6.4 Reasons for and against Nationalisation
193 6.65 Influence on bank staff approach towards customers on dealing with bank - location wise
194 6.66 Influence on bank staff approach towards customers on dealing with bank - Region wise
195 6.67 Views of customers regarding overall efficiency of the service provided by the Bank branch - Location wise
196 6.68 Views of customers regarding overall efficiency of the service provided by the Bank branch - Region wise
References
7 Summary of Findings and Recommendations
Summary of findings
SUGGESTIONS FOR IMPROVEMENT
Topics for Further Research
BIBILIOGRAPHY
APPENDICES
APPENDIX I Marketing of Bank Services in Commercial and Co-operativeBanks in Kerala
APPENDIX II Marketing of Bank Services in Commercial and Co-operativeBanks in Kerala