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  • TITLE
  • DECLARATION
  • CERTIFICATE
  • ACKNOWLEDGEMENT
  • CONTENTS
  • LIST OF TABLES
  • LIST OF FIGURES
  • I. INTRODUCTION
  • STATEMENT OF THE PROBLEM
  • SIGNIFICANCE OF THE STUDY
  • OBJECTIVES OF THE STUDY
  • CONCEPTS AND DEFINITIONS USED IN THE STUDY
  • VARIABLES STUDIED
  • DATABASE AND METHODOLOGY
  • 1.1 Education and Sex profile of Customer Respondents
  • 1.2 Profession and Sex profile of Customer Respondents
  • 1.3 Age and Sex profile of Customers Respondents
  • 1.4 Income and Sex profile of Customer Respondents
  • 1.5 Age and Sex Profile of Banker Respondents
  • 1.6 Length of Service of Banker Respondents
  • PROCESSING AND ANALYSIS OF DATA
  • PERIOD OF STUDY
  • 1.7 Educational Qualifications of Banker Respondents
  • LIMITATIONS OF THE STUDY
  • PRESENTATION OF THE REPORT
  • ORNGANISATIONAL PROFILE
  • 1.8 Progress of Indian Banking 1950-2002 (Rs.in Crores)
  • 1.9 Capital Build up of State Bank of Travancore 1.10 Share Holding Pattern of SBT
  • 1.10 Share Holding Pattern of SBT
  • 1.11 Performance of the Bank 1993-2002 (Rs.in Crores)
  • 1.12 SBTS Performance 1993 - 2002: Comparison with ASCB At All India Level
  • 1.13 The Average Business Per Branch and Average Gross Profit per Branch from 1993 -2002 (Rs.in Crores)
  • 1.14 The Category-wise break-up of total deposits for the period 1993 2002 (Rs.in Crores)
  • 1.15 Segment wise Composition of Advances of SBT for the period 1993 2002 (in Crores)
  • 1.16 NRI deposits of SBT 1993-2002
  • 1.17 Business Per Employee and Profit per Employee 1993-2002 (in lakhs)
  • 1.1 Organisational structure for marketing
  • REFERENCES
  • II. REVIEW OF LITERATURE
  • INTRODUCTION
  • EARLIER STUDIES
  • Service Marketing
  • Characteristics of Services
  • Financial Services Marketing
  • Bank Marketing
  • Customer Needs
  • Products
  • Place
  • People
  • Promotion
  • Advertising
  • Image Building
  • Marketing Communication
  • Marketing Techniques
  • Market Segmentation
  • Technology
  • Retail Banking
  • Strategy
  • Quality of Service
  • Customer Service
  • Quick Service
  • Customer Satisfaction
  • Customer Loyalty
  • Relationship Marketing
  • Internal Marketing
  • Need for Study
  • REFERENCES
  • III. MARKETING OF FINANCIAL SERVICES - THEORETICAL FRAMEWORK
  • INTRODUCTION
  • Marketing
  • Bank Marketing Strategies and Mixes
  • Forecasting the Marketing Environnient
  • Trends in Savings in Indian Economy
  • Marketing Planning in Banks
  • 3.1 Household Savings in Financial Assets (As % of total financial assets)
  • 3.1 Planning arrangement in a Commercial Bank
  • Marketing Mix
  • Product
  • Price
  • 3.2 Banks products
  • Place
  • Promotion
  • Services
  • Characteristics of Services
  • Services Marketing Mix
  • 3.2 Service Characteristics and their Implications
  • 3.3 The expanded marketing mix for Services
  • People
  • Physical evidence
  • Financial Services
  • Customer Service
  • 3.4 The Seven Ps of Bank Marketing
  • Customer Satisfaction
  • Customers Defection
  • 3.3 Benefits of Customer Satisfaction and Service Quality
  • Managing Customer Complaints
  • 3.5 Reasons for Customers Defection
  • 3.4 Comparison of retention and defection motives
  • Customer Loyalty
  • 3.5 Attachment and behaviour that leads to loyalty segments
  • Relationship Development
  • Benefits of Relationship Development
  • The Process of Relationship Development
  • 3.6 Ladder of Customer Loyalty
  • Relationship Marketing
  • 3.7 Stages in the Development of Customer Relationships
  • Relationship Marketing Benefits
  • Relationship Marketing Strategy
  • Relationship Marketing and Information Technology
  • Service Quality
  • 3.8 The Service Quality gap Model
  • 3.9 Linkages between quality, customer service and marketing
  • Customer Relationship Management
  • Customer Data management
  • The Impact of Technology
  • Internal Marketing
  • 3.10 The Pyramidal Model
  • 3.11 The Service Profit Chain
  • Training Programs for lnternal Marketing
  • The Future
  • REFERENCES
  • IV. FINANCIAL SERVICES MARKETING TECHNIQUES AND STRATEGIES
  • Introduction
  • Customer Needs
  • Needs of Financial Services Consumer
  • 4.1 Hierarchy of Financial Needs
  • Criteria for Investment
  • 4.1 Criteria for Investments in Financial Services
  • Marketing Techniques in Banking
  • Branch Location and Distribution
  • Technology
  • Computerisation
  • Automated Teller Machines
  • 4.2 Availability of Facilities - Computerisation
  • Online
  • 4.3 Availability of Facilities -- ATM
  • 4.4 Availability of Facilities -- Online
  • Telebanking
  • 4.5 Availability of Facilities -- Telebanking
  • Physical Evidence
  • 4.6 Availability of Technology related products
  • Comfortable Seating
  • 4.7 Provision of facilities Inside - Comfortable Seating
  • Single Window
  • May I Help You Counter
  • 4.8 Provision of facilities Inside -- Single Window
  • Teller
  • 4.9 Provision of facilities inside - May I Help You Counter
  • 4.10 Availability of Facilities -- Teller
  • 4.2 Provision of Facilities Available inside the Bank: Responses of Customers
  • Processes
  • Advice on Maturity of Deposits
  • Accuracy of Pass books/Statements
  • Updated Pass books/Statements
  • 4.11 Prompt rendering of Service - Maturity of Deposits
  • 4.12 Prompt rendering of Service - Accuracy of Statements
  • Standing Instructions
  • 4.13 Prompt rendering of Service - Updated Passbooks / Statements
  • 4.14 Prompt rendering of Service - Standing Instructions
  • Ancillary Services
  • 4.15 Rendering of services
  • Safe Custody
  • 4.16 Provision of facilities -- Safe Custody
  • Safe Deposit Locker
  • Remittances
  • 4.17 Provision of facilities - Safe Deposit Locker
  • 4.18 Provision of facilities - Remittances
  • 4.19 Ancillary Services
  • Customer Service
  • Marketing Strategy
  • Bank Marketing Strategy
  • Performance budgeting
  • Retail Lending
  • Timeliness of sanction of loan
  • Repayment of Loans
  • 4.20 Timeliness of sanction of loan
  • Documentation
  • 4.21 Repayment Period
  • 4.22 Documentation
  • Security Aspects
  • 4.23 Security Aspects
  • Mini Marketing Groups
  • Focussed marketing
  • Public Relations and Publicity
  • REFERENCES
  • V. MARKETING FINANCIAL PRODUCTS AND SERVICES -- AN APPRAISAL
  • Introduction
  • Products
  • Management of Existing Products
  • Existing products and need satisfaction
  • 5.1 Satisfaction with the Existing Products
  • 5.2 Satisfaction with the Existing Products
  • Modification of existing products
  • Innovative Products
  • 5.3 Requirement for New Products / Services
  • 5.1 Requirement for New Products / Services: Responses of Customers
  • Deposit Products
  • 5.2 Core products and supplementary services - Bank Deposits
  • 5.4 Reasons for Selecting a Bank for Deposits
  • Loan Products
  • 5.3 Core products and supplementary Services - Bank Loans
  • Ancillary Services
  • 5.5 Reasons for selecting a bank for Loans
  • 5.4 Core product and supplementary services -Ancillary Services
  • 5.6 Reasons for selecting a bank for Other Services
  • Factors affecting the adoption of new financial services
  • 5.7 Awareness on Developing New Products / Services
  • Innovative Products
  • Awareness on new Products/Services
  • 5.8 Awareness on New Products / Services
  • Promotional Aspects
  • 5.5 Deposit Planner
  • Campaigns
  • 5.9 Source of Awareness on Banks products / Services
  • Relationship Banking
  • Profession and Number of years of banking
  • 5.10 Association between Profession and Number of Years of Banking
  • Relationship between Profession and Frequency of visit to the Bank
  • 5.11 Relationship between Profession and Frequency of visit to the Bank
  • Relationship between Profession and Quality of Service
  • 5.12 Relationship between Profession and Quality of Service
  • Relationship between Frequency of visit and quality of service
  • 5.13 Relationship between Frequency of visit and quality of service
  • Relationship between Number of years of banking and Quality of service
  • 5.14 Relationship between Number of years of banking and Quality of service
  • REFERENCES
  • VI. INTERNAL MARKETING IN BANKS
  • Introduction
  • Internal Marketing
  • Role of Employees
  • Training and Development
  • 6.1 Attendance in Training Programmes on Marketing
  • Marketing Strategy
  • 6.2 Institution where Training attended
  • Developing New Products/Services
  • 6.3 Opinion on Marketing Strategy
  • Range of New Products/Services
  • 6.4 Opinion on Developing New Products / Services
  • 6.5 Need for New Products / Services
  • Promotional Strategy
  • 6.6 Elements of Promotional Strategy
  • 6.1 Elements of Promotional Strategy: Responses of Employees
  • Awareness on Deposit Schemes
  • 6.7 Awareness on New Deposit Schemes
  • 6.2 Awareness on New Deposit Schemes: Responses of Employees
  • Awareness on New Loan Schemes
  • 6.8 Awareness on New Loan Schemes
  • 6.3 Awareness on New Loan Schemes: Responses of Employees
  • Awareness on New Ancillary Sewices Introduced
  • 6.9 Awareness on New Ancillary Services Introduced
  • 6.4 Awareness on New Ancillary Services Provided: Responses of Employees
  • Pricing Strategy
  • Branch Network
  • 6.10 Opinion on Existence of Pricing Strategy
  • Advertising
  • 6.11 Effectiveness of network
  • Customer Meets
  • 6.12 Promotional Strategies - Advertising
  • 6.13 Promotional Strategies - Customer Meets
  • Family Meets
  • 6.14 Promotional Strategies - Family Meets
  • NRI Meets
  • 6.15 Net Inflows under various Non-Resident Deposit Schemes
  • Customer Contact Campaigns
  • 6.16 Promotional Strategies - NRI Meets
  • Social Circles
  • 6.17 Promotional Strategies -- Customer Contact Campaigns
  • Problems in Bank Marketing
  • 6.18 Promotional Strategies -- Social Circles
  • 6.19 Problems faced by Banks for Marketing Products / Services
  • 6.5 Problems faced by Banks for Marketing Products and Services: Responses of Employees
  • Measurement of Internal Marketing
  • 6.6 Internal Marketing Questionnaire
  • Internal Marketing Questionnaire
  • 6.20 Measurement of Internal Marketing
  • Factor Analysis
  • CONCLUSION
  • REFERENCES
  • VII. SUMMARY OF FINDINGS, RECOMMENDATIONS AND CONCLUSION
  • INTRODUCTION
  • OBJECTIVES OF THE STUDY
  • MAJOR FINDINGS OF THE: STUDY
  • IMPORTANT SUGGESTIONS
  • CONCLUSION
  • SUGGESTIONS FOR FURTHER RESEARCH
  • BIBLIOGRAPHY
  • LIST OF APPENDICES
  • APPENDIX I. Interview Schedule for Customers
  • APPENDIX II. Interview Schedule for Bankers