ORGANIZATION STUDY OF IDBI BANK LTD

CHAPTER - 1
INTRODUCTION

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 1

 ORGANIZATION STUDY OF IDBI BANK LTD

INDUSTRIAL DEVELOPMENT BANK OF INDIA

In the earlier societies functions of a bank were done by the corresponding institutions
dealing with loans and advances. Britishers brought into India the modern concept of banking
by the start of Bank of England in 1694. In 1708, the bank of England was given the
monopoly for the issue of currency notes by an Act. In nineteenth century various banks
started operations, which primarily were receiving money on deposits, lending money,
transferring money from one place to another and bill discounting.

HISTORY

Banking in India has a very old origin. It started in the Vedic period where literature shows
the giving of loans to others on interest. The interest rates ran ged from two to five percent
per month. The payment of debt was made pious obligation on the heir of the dead person.
Modern banking in India began with the rise of power of the British. To raise the resources
for the attaining the power the East India Company on 2nd June 1806 promoted the Bank of
Calcutta. In the mean while two other banks Bank of Bombay and Bank of Madras were
started on 15th April 1840 and 1st July, 1843 respectively. In 1862 the right to issue the notes
was taken away from the presidency banks. The government also withdrew the nominee
directors from these banks. The bank of Bombay collapsed in 1867 and was put under the
voluntary liquidation in 1868 and was finally wound up in 1872. The bank was however able
to meet the liability of public in full. A new bank called new Bank of Bombay was started in
1867. On 27th January 1921 all the three presidency banks were merged together to form
the Imperial Bank by passing the Imperial Bank of India Act, 1920. The bank did not have the
right to issue the notes but had the permission to manage the clearing house and hold
Government balances. In 1934, Reserve Bank of India came into being which was made the
Central Bank and had power to issue the notes and was also the banker to the Government.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 2

 ORGANIZATION STUDY OF IDBI BANK LTD

The Imperial Bank was given right to act as the agent of the Reserve Bank of India and
represent the bank where it had no braches. In 1955 by passing the State Bank of India 1955,
the Imperial Bank was taken over and assets were vested in a new bank.

INTRODUCTION OF BANKING IN INDIA

A banking is a financial institution where an individual can deposit money. Banks provide a
system for easily transferring money from one person or business to another. Using banks and
the many services they offer saves an incredible amount of time, and ensures that the funds of
micro as well as macro economics agents “pass hands” in legal and structured manner. There
are also other types of financial institutions that operate just like banks.

FUNCTIONS OF BANK

Banking Regulation Act of India, 1949 defines banking as “accepting, for the purpose of
lending or investment of deposits of money from the public, repayable on demand or
otherwise and withdraw able by cheques, draft, and order or otherwise”. Deriving from this
definition and viewed solely from the point of view of the customers, banks essentially
perform the following functions

 accepting deposits from public/other (deposits)

 lending money to the public (loans)
 transferring money from one place to another (remittances)
 credit creation
 acting as trustees
 keeping valuable in safe custody
 investment decisions and analysis
 government business
 other types of lending and transaction

In addition to providing a safe custodian of money, banks also loan money to business and
customers. A large position of a bank’s business in lending.The objective of commercial
banks like any other organization is profit maximization. This profit generally originates from
the interest differential between borrowers and lenders.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 3

 ORGANIZATION STUDY OF IDBI BANK LTD

In the present
nt day, however, the banking operation has extended much beyond simple lending
exercise. So there are other different channels of profit ensuring from other investment
program as well.

However, it should be mentioned in this context that the entire deposit held by a bank cannot
be given as loan as the central bank retains a portion of this money in the form of cash-
reserves for unforeseen circumstances.

The flow chart shows the various types of banking services:

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 4

 ORGANIZATION STUDY OF IDBI BANK LTD

Bank Nationalization

After the independence the major historical event in banking sector was the nationalization of
14 major banks on 19th July 1969. The nationalization was deemed as a major step in
achieving the socialistic pattern of society. In 1980 six more banks were nationalized taking
the total nationalized banks to twenty.

TYPES OF BANK

CENTRAL BANK

A central bank, reserve bank, or monetary authority is the entity responsible for the monetary
policy of a country or of a group of member states. It’s a primary responsibility is to maintain
the stability of the national currency and money supply, but more active duties include
controlling subsidized loan interest rates, and acting as a lender of last resort to the banking
sector during times of financial crisis (private banks often being integral to the national
financial system).it may also have supervisory powers, to ensure that banks and other
financial institution do not behave recklessly or fraudulently.

COMMERCIAL BANK

A Commercial banks performs all kinds of banking functions such as accepting deposits,
advancing loans, credit creation & agency functions. They generally advance short term
loans to their customers; in some case they may give medium term loans also.

INDUSTRIAL BANK

Ordinarily, the industrial banks perform three main functions:

First: acceptance of long term deposits: since the industrial bank give long term loans, they
cannot accept short term deposits from the public.
Secondly: meeting the credit requirements of companies, First the industries requires to
purchase land to erect building and purchase heavy machinery. Secondly the industries
require short term loans to buy raw materials & to make payment of wages to workers.
Thirdly: It does some other functions – The industrial banks tender advice to big industrial
firms regarding the sale & purchase of shares & debentures.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 5

 ORGANIZATION STUDY OF IDBI BANK LTD

FOREIGN BANK

The main function is to make international payments through the purchase and sale of
exchange bills. As is well known, the exporters a country prefer to receive the payment for
their exporters in their own currency. Hence, there arises the problem of converting the
currency of one country into the currency of another. The foreign exchange banks try to solve
this problem. These banks specialize in financing foreign trade.

INDIGENOUS BANKS

According to the Indian enquiry committee, “indigenous banker is a person or a firm which
accepts deposits, transacts business and advances loans etc.

Banks in India

Central bank

The reserve bank of India is the central that is fully owned by the government. It is governed
by a central board (head by a governor) appointed by the central government. It issues
guidelines for the functioning of all banks operating within the country.

Public sector banks

 State bank of India & its associate banks called the state bank group
 19 nationalized banks
 Regional rural banks mainly sponsored by public sector banks

Private sector bank

 Old generation private banks
 New generation banks
 Foreign banks operate in India

Co-operative sector banks

The co-operative sector is very much useful for rural people. The co-operative banking sector
is divided into the following categories.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 6

 ORGANIZATION STUDY OF IDBI BANK LTD

 State co-operative banks

 Central co-operative banks
 Primary agricultural credit societies
 Souharda co-operative banks

Development banks/financial institutions

IFCI, ICICI Bank, IIBI, SCICI LTD NABARD, Export – Import Of India, National Housing
Bank, Small Industries Development Bank Of India, And North Eastern Development
Finance Corporation.

ICICI
The industrial & credit investment corporation India limited (ICICI) as incorporated in 1955
at the initiative of world bank, the government of India and representatives of India industry,
with objective of creating a development financial institution for providing medium- term and
long-term project financing to Indian business.

SIDBI
Small industries development bank of India (SIDBI) was established in 1990. Main
functions: providing assistance to small scale industries through state finance corporation,
state industrial development corporations, commercial bank etc.

EXIM BANK
Export–Import Bank of India was established in 1982. Main function: coordinating the
working of institution engaged in financing export and import trade, financing exports and
imports.

NHB (National Housing Bank)

National Housing Bank (NHB) started operations in 1988. It is wholly owned by the Reserve
Bank of India and was established to encourage housing-finance institutions and provide
them with financial support. The National Housing Bank also provides several other channels
of support for housing-finance institutions, by dint of authority invested by the National
Housing Bank Act.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 7

 ORGANIZATION STUDY OF IDBI BANK LTD

NABARD
National bank agriculture and rural development NABARD was established in 1982: main
function: to serve as an apex refinancing agency for institutions engaged in providing
agriculture finance to develop credit delivery system to coordinate rural financing activities.
The loan is generally provided at a cost referred to as interest on the debt, which provides an
incentive for the lender to engage in the loan. In a legal loan, each of these obligations and
restrictions is enforced by contract, which can also place the borrower under addition
restrictions knows as loan covenants. Although this article focuses on monetary loan, in
practice any material object might be lent.

STRUCTURE OF BANKS

The composition of the board of directors of a scheduled commercial bank shall consist of
whole time chairman. Section 10A of the Banking Regulation Act, 1949 provides that not less
than fifty-one per cent, of the total number of members of the Board of directors of a banking
company shall consist of persons, who shall have special knowledge or practical experience
in respect of one or more of the matters including accountancy, agriculture and rural
economy, banking, co-operation, economics, finance, law, small-scale industry, or any other
matter the special knowledge of, and practical experience in, which would, in the opinion of
the Reserve Bank, be useful to the banking company. Out of the aforesaid number of
directors, not less than two shall be persons having special knowledge or practical experience
in respect of agriculture and rural economy, co-operation or small-scale industry.

Besides the above the board of the scheduled bank shall consist of the directors representing
workmen and officer employees. The Reserve Bank of India and the Central Government
also has right to appoint their nominees into the board of the banks.

Present scenario of the banks in India:

Banks are extremely useful and indispensable in the modern community. The banks create the
purchasing power in the form of bank notes, cheques bills, drafts etc, transfers funds bring
borrows and lenders together, encourage the habit of saving among people. The banks have
played substantial role in the growth of Indian economy. From the meager start in 1860 the

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 8

 ORGANIZATION STUDY OF IDBI BANK LTD

banks have come to long way. At present in India there are 20 nationalized banks, State bank
of India and its seven Associate banks, 21 old private sector banks and 8 new private sector
banks. Besides them there are more than 30 foreign banks either operating themselves or
having their branches in India. The statistical table hereunder shows the financial position of
the banks as on 31.03.2005.

VARIOUS TYPES OF LOANS

 Long term and short terms loan

 Secured and unsecured loan

LONG TERMS LOANS:

The loans that are taken for a period of at least three years as termed as long term loan under
the definition that is given by the financial bodies. Nevertheless, these types of loans can be
for any be ten or twenty years as well. Tor any long term loan a guarantee is required. A
security is to be given for the interest plays a vital role in the loan process. The amount of
loan, the period that is decided for the repayment of loan, the income of the individual are
taken into consideration for calculating the rate of interest.

SHORT TERM LOANS:

As understood by the name these type of loans are for the short period of time. They don’t
have any compulsions as compared to long term loans. Short term loans are taken for the
payment of regular expenses. The amount that granted as a loan also a smaller sum is
compared with the long term ones
.
Characteristics of IDBI Bank :

 Deeply anchored within the local economy.

 Property of their own members/customers.
 One person = one vote.
 Sound business practices and resilient structures.
 Financing the real economy.
 Leading the way in the field of social responsibility

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 9

 ORGANIZATION STUDY OF IDBI BANK LTD

CHAPTER - 02

ORGANIZATIONAL PROFILE

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 10

 ORGANIZATION STUDY OF IDBI BANK LTD

BACKGROUND

IDBI Bank, officially known as the Industrial Development Bank of India, is a prominent
financial institution that traces its roots to the industrialization era in India. Established in
1964 under an Act of Parliament, IDBI initially functioned as a development finance
institution, playing a pivotal role in funding and fostering industrial growth across the
country. Over the years, it evolved into a full-fledged commercial bank, officially becoming
IDBI Bank Ltd. in 2004. With its headquarters in Mumbai, IDBI Bank has been a key player
in the Indian banking sector, offering a comprehensive range of financial products and
services. The bank has been instrumental in supporting diverse sectors of the economy,
including retail, corporate, and infrastructure, contributing significantly to India's economic
development. IDBI Bank's commitment to innovation and customer service has positioned it
as a trusted financial partner for individuals, businesses, and government entities alike. While
the banking landscape is dynamic, IDBI Bank continues to adapt and grow, playing a crucial
role in the financial well-being and progress of the nation.

NATURE OF BUSINESS

IDBI Bank, or Industrial Development Bank of India, is a financial institution based in India.
the Bank's nature of business primarily involves providing a range of banking and financial
services to individuals, businesses, and government entities. Here are some of the typical
services and functions that banks like IDBI Bank generally engage in:

Retail Banking: Offering services to individual customers, including savings and current
accounts, fixed deposits, personal loans, home loans, and other retail-oriented financial
products.

Corporate Banking: Providing a variety of financial services to businesses, such as business

loans, working capital financing, trade finance, and other corporate banking solutions.

Investment Banking: Engaging in activities related to underwriting of securities, mergers

and acquisitions, and other investment-related services.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 11

 ORGANIZATION STUDY OF IDBI BANK LTD

Treasury Operations: Managing the bank's own investments, trading in various financial
instruments, and handling foreign exchange transactions.

Asset Management: Managing mutual funds, investment portfolios, and other financial
assets on behalf of clients.

Insurance Services: Offering insurance products such as life insurance, general insurance,
and other related services either directly or through tie-ups with insurance companies.

Digital Banking: Providing online banking services, mobile banking apps, and other digital
channels to enhance customer convenience and accessibility.

Government Banking: Handling financial transactions and providing banking services to

government agencies and departments.

VISION

 IDBI Bank's vision typically emphasizes its aspirations for the future and the impact it
aims to make in the banking and financial sector. While specific wording may vary, a
generic representation could be:
 To be a leading and innovative financial institution, recognized for its commitment to
customer satisfaction, technological excellence, and contribution to the nation's economic
growth.

MISSION

 IDBI Bank's mission statement outlines the fundamental purpose of the bank and the
strategies it employs to achieve its vision. A generic representation could be:
 To provide comprehensive and cutting-edge financial solutions, fostering economic
development by supporting diverse sectors. We are dedicated to delivering superior value to
our customers, shareholders, and employees through innovation, efficiency, and ethical
practices.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 12

 ORGANIZATION STUDY OF IDBI BANK LTD

QUALITY POLICY

IDBI Bank shall constantly strive to innovate and deliver total financial solutions to satisfy
customers beyond their expectations in their home and lifestyle.

 SECURITY
 TRUST
 INNOVATION
 TRANSPARENCY
 MUTUAL BENEFITS
 CUSTOMER SATISFACTION
 RELIABILITY
 RESPONSIVENESS
 TANGIBILITY

IDBI BANK PRODUCT & SERVICES

1. Preferred Banking

 Power Plus Account

 Preferred Banking
 Royale Account

2. Deposits

 Regular Savings Account

 Corporate Payroll Account
 Core Current Account
 Premium Current Account
 Premium Special Current Account
 Fixed Deposit

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 13

 ORGANIZATION STUDY OF IDBI BANK LTD

3. Loans

 Home Loan
 Loan Against Property
 Education Loan
 Personal Loan
 Auto Loan
 Loan Against Securities
 Reverse Mortgage Loan
 Corporate Banking

4. Cards

 Cash at POS facility on Debit Cards

 Online payment through Debit Cards
 International Debit ATM Cards
 IDBI Bank Cash Card
 IDBI Bank Gift Card
 Kids Debit Card
 Platinum Card
 Debit Card offers

5. 24 Hours Banking

 Mobile Banking
 Account Alert
 Internet Banking

6. Corporate Banking

 Project Appraisal
 Debt Syndication
 Advisory Services
 Environmental services
 Cash Management services

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 14

 ORGANIZATION STUDY OF IDBI BANK LTD

 Trade Finance
 Tax Payments
 TUFS for Textiles Industry
 Foreign Currency Product

7. Investment Advisory

 Mutual Fund
 Life Insurance
 New Pension Scheme

OWNERSHIP PATTERN

Government of India: The majority owner of IDBI Bank was the Government of India. The
government held a significant stake in the bank through various entities, including the Life
Insurance Corporation of India (LIC).

Life Insurance Corporation of India (LIC): LIC held a substantial stake in IDBI Bank. LIC
is one of the largest insurance companies in India and is owned by the Government of India.

AWARDS AND ACHIEVESMENT

IDBI Bank Ltd has received “First Prize” in excellence in lending to Micro Enterprises from
Honorable Prime Minister, Shri Narendra Modi. The award was received by Shri Suresh
Khatanhar, Executive Director on behalf of IDBI Bank Ltd in the presence of Honorable
Union Minister for MSME, Shri. Kalraj Mishra. And has been focusing more on MSME
segment with various innovative products, corporate tie-ups and BC/BF infrastructure build
by the bank. The growth under the segment during the last three years has been substantial,
particularly under Micro Enterprises. During the last financial year bank surpassed the target
under Pradhan Mantri Mudra Yojana.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 15

 ORGANIZATION STUDY OF IDBI BANK LTD

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 16

 ORGANIZATION STUDY OF IDBI BANK LTD

FUTURE GROWTH AND PROSPECT

IDBI Bank can be influenced by various factors, including economic conditions, regulatory
changes, and the bank's strategic initiatives. It's important to note that my information might
be outdated, and developments may have occurred since then Historically, IDBI Bank has
been a significant player in India's banking sector, contributing to economic development and
financial inclusion. Future growth prospects could be influenced by the bank's ability to adapt
to changing market dynamics, embrace technological advancements, and enhance customer-
centric services. The Indian banking industry is undergoing transformations, including
increased digitalization and the adoption of innovative financial products.

IDBI Bank's strategic decisions, risk management practices, and the effectiveness of its
leadership in navigating challenges will likely play a crucial role in shaping its future
trajectory. Additionally, developments in the broader economic landscape, regulatory
environment, and global financial markets can impact the bank's performance. Investors and
stakeholders keen on assessing IDBI Bank's future growth should monitor the bank's official
communications, annual reports, and updates on its strategic initiatives. Collaborations,
expansions into new markets or sectors, and a commitment to maintaining a strong financial
position could be indicative of the bank's positive outlook.

For the latest and most accurate information on IDBI Bank's future growth and prospects, it is
recommended to refer to the bank's official communications, press releases, and financial
reports, as they provide insights into the institution's strategic direction and performance
indicators.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 17

 ORGANIZATION STUDY OF IDBI BANK LTD

CHAPTER – 03

McKensey’s 7s Model & Porter’s Five

Force Model

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 18

 ORGANIZATION STUDY OF IDBI BANK LTD

The McKinsey 7s model is a strategic tool and framework that helps managers and businesses
assess their performance. The McKinsey 7s model identifies 7 key elements for an
organization that need to be focused and aligned for successful change management
processes as well as for regular performance enhancements.

The 7 elements identified in the McKinsey 7s model can be categorized as being hard
element or soft element in nature. They are identified as:

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 19

 ORGANIZATION STUDY OF IDBI BANK LTD

Hard Elements Soft Elements

Systems Shared Values
Strategy Skills
Structure Style
Staff

Figure 2 Hard and Soft elements of the McKinsey 7S Model

The IDBI BANK makes use of the McKinsey 7s model to regularly enhance its performance,
and implement successful change management processes. The IDBI Bank focuses on the 7
elements identified in the model to ensure that its performance levels are consistently
maintained, and improved for the offerings.

1. Hard elements

The hard elements of the McKinsey 7s model comprise of strategy, structure, and systems.
The hard elements of the model are easier to identify, more tangible in nature, and directly
controlled and influenced by the leadership and management of the organization.

Strategy

The strategic direction and the overall business strategy for the idbi bank are clearly defined
and communicated to all the employees and stakeholders. This helps the organization manage
performance, guide actions, and devise different tactics that are aligned with the business
strategy. Moreover, the business strategy’s definition and communication also make
operations for the idbi bank more transparent and aligns the responsibilities and actions of
the company.

Guiding behaviour for goal attainment

The strategic direction for the idbi bank is also important in helping the business guide
employee, staff, and stakeholder behaviour towards the attainment and achievement of goals.
smart goals are set with short and long term deadlines in accordance with the business
strategy. The business strategy helps employees decide tactics and behaviours for attaining
the set goals and targets to help the business grow.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 20

 ORGANIZATION STUDY OF IDBI BANK LTD

Competitive pressures

The idbi bank strategy also takes into consideration the competitive pressures and activities
of competitors. The strategy addresses these competitive pressures through suggestive
measures and actions to address competition via strategic tactics and activities that ensure
sustainability to the idbi bank via adapting to market changes, and evolving consumer trends
and demands.

Changing consumer demands

An important aspect of the strategy at the idbi bank is that it takes into constant consideration
the changing consumer trends and demands, as well as the evolving consumer market
patterns and consumption behaviour. This is an important part of the strategic direction at the
idbi bank as it allows the company to remain competitive and relevant to its target consumer
groups, as well as allows the company to identify demand gaps in the consumer market.
The company then strategically addresses these gaps through product offerings and marketing
activities which give the company successful and leading-edge over other patterns in the
market.

Flexibility and adaptability

The strategy at the idbi bank is flexible and adaptable. This is an important aspect of the
strategic direction, and strategy setting at the idbi bank . Rigidity in strategy leads a company
and a business to often become stagnant and obstructs advancement, and progression with
evolving changes in the consumer markets. With flexibility and adaptability, The idbi bank is
not only able to benefit from quickly reacting and responding to changing consumer patterns
globally, but is also able to locally and culturally adapt its products via localization for
different countries and regions. Moreover, the company is often able to proactively predict
consumer market changes, and devise strategic changes accordingly to meet the market
trends.

Organizational hierarchy

The idbi bank has a flatter organizational hierarchy that is supported by learning and
progressive organizations. With lesser managerial levels in between and more access to the
senior management and leadership, the employees feel more secure and confident and also

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 21

 ORGANIZATION STUDY OF IDBI BANK LTD

have higher access to information. Moreover, the flatter hierarchy also allows quicker
decision-making processes for the idbi bank and increases organizational commitment in the
employees.

Inter-Departmental coordination

The idbi bank has high coordination between different departments. The company’s
departments often form inter-department teams for projects and tasks that require multiple
expertise. All coordination between different departments is effective and organized. The idbi
bank has a systematic process for initiating and monitoring coordination between
departments to ensure smooth work operations and processes and goal attainment.

Internal team dynamics [department specific]

The idbi bank encourages teamwork and team-oriented tasks. Where jobs require individual
attention and scope, the company also assigns individual responsibilities and job tasks.
However, all employees at the idbi bank are expected to be team players who can work well
with and through other members, and who get along well with other people. The teams at the
idbi bank are supportive of all embers and work in synch with synergy towards achieving the
broader team objectives and goals under the idbi bank designed strategy and values.

Centralization vs. decentralization

The idbi bank has a hybrid structure between centralization and decentralization. Like many
progressive organizations, The bank largely supports decentralized decision making. Job roles
at the idbi bank are designed to be carried out with responsibility, and employees often set
their goals with mutual coordination and understanding with the supervisors. However, the
idbi bank is also centralized in making sure that supervisors oversee, and approve of the
various efforts, and tactics that employees choose to ensure that they are aligned with the
organizational strategy ad values.

Communication

The idbi bank has a developed and intricate system for ensuring communication between
employees, and different managerial levels. The communication systems at the idbi bank
enhance the overall organizational structure. The systematic, defined, and organized

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 22

 ORGANIZATION STUDY OF IDBI BANK LTD

communication allows an easy flow of information and ensures that no organizational tasks
and goals are compromised because of a lack of communication, or misunderstandings.

Organizational systems in place

The idbi bank has defined and well-demarcated systems in place to ensure that the business
operations are managed effectively and that there are no conflicts or disputes. The systems at
the idbi bank are largely departmental in nature, and include, for example:

 Human resource management

 Finance
 Marketing
 Operations
 Sales
 Supply chain management
 Public Relation Management
 Strategic leadership

Defined controls for systems

Each of the defined and demarcated systems at the idbi bank has especially designed tools
and methods as controls for evaluating performance and goal attainment. These controls and
measures are designed specifically in different departments based on the nature of their tasks
and responsibilities. Moreover, each department also designs specific controls for members
for performance evaluation, as well as for inter- departmental tasks and responsibilities.

Monitoring and evaluating controls

The idbi bank continually evaluates its systems through the designed controls. This
monitoring of the performance is continual and ongoing. This is largely done through
observation and informal discussions. Feedback to employees and overall department heads
is informally given regularly as and when is required. Formal evaluation of performance is
also conducted semi annualy or quarterly, depending on the need and the urgency of the
projects and assigned tasks. This is a formal process that is undertaken by supervisors and
managers to ensure the identification of performance lags, and suggestive means of
improvement.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 23

 ORGANIZATION STUDY OF IDBI BANK LTD

Internal processes for organizational alignment

The idbi bank also has special processes and methods for ensuring that all departments and
systems within the organization are aligned and working in harmony towards the greater
business goals and targets. This is made possible through ensuring that all systems are
designing and working towards goals and targets specific to their expertise under the broader
business vision and strategy. Moreover, the strategic leadership at the idbi bank also ensures
that all systems are allocated with resources, and set specific targets to achieve similar
business goals in any specific period.

2. Soft elements

The soft elements of the McKinsey 7s model, in turn, include shared values, staff, skills, and
strategy. These elements are less tangible in nature and are more influenced by the
organizational culture. As such, the management does not have direct influence or control
over them. These elements are also harder to describe and directly identify – but are equally
important for an organization’s success and improved performance.

Core values

The core values at the idbi bank are defined and communicated to foster a creative and
supportive organizational structure that will allow employees to perform optimally, and
enhance their motivation and organizational commitment. The core values at the idbi bank
include, but are not limited to.

 Creativity
 Honesty
 Transparency
 Accountability
 Trust
 Quality
 Heritage

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 24

 ORGANIZATION STUDY OF IDBI BANK LTD

The idbi bank business also ensures that all its activities and operations are conducted with
high ethical and moral standards that redefined and benchmarked against international
criteria.

Corporate culture

The idbi bank encourages an inclusive culture that celebrates diversity. The company has an
international presence, and production units that are spread across different countries, as such,
the idbi bank ensure that its organizational culture is supportive of diversity, and has internal
policies to reduce incidences of discrimination.

The corporate culture at the idbi bank also encourages innovation and creativity by allowing
independence for growth to individuals and teams –thus helping them refine their careers as
well as personalities. Lastly, the corporate culture at the idbi bank also has a supportive
leadership which works towards increasing employee motivation and job satisfaction by
giving way to visibility and accessibility.

Task alignment with values

The idbi bank ensures that all its job tasks and roles are aligned with the core values that the
company propagates. This means that all activities, tactics, and strategic tactics employed by
the idbi bank will reflect its core values, and will not deviate away from these. This is to
ensure a consistent, and reliable brand image, as well as an honest organizational culture. In
the event of organizational change, the company will continue to ensure that all change
management processes and methods incorporate the core values so that the organizational
culture is consistently maintained, and systematically changed if need be Style.

Management/leadership style

The idbi bank has a participative leadership style. Through a participative leadership style,
The idbi bnak is able to engage and involve its employees in decision-making processes and
managerial decisions. This also allows the leadership to regularly interact with the employees
and different managerial groups to identify any potential conflicts for resolution, as well as
for feedback regarding strategic tactics and operations. Through its participative leadership,

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 25

 ORGANIZATION STUDY OF IDBI BANK LTD

The idbi bank is able to enhance employee motivation, and increase organizational
commitment and ownership amongst employees as well as other stakeholders.

Effectiveness of leadership style

The participative leadership style is highly effective in achieving the business goals and
vision of the organization. Employees feel to be active members of the organization who are
valued for their suggestions, feedback, and input. Moreover, through participative leadership,
leaders and managers are able to identify current and potential conflicts within the idbi bank
organization, and actively work to resolve them as soon as possible.

Cooperation vs competition – internally

With its supportive and encouraging organizational culture, the idbi bank gives way to
internal collaboration and cooperation between employees, systems, teams, and departments.
This cooperation and collaboration at the idbi bank is important since its operations are
spread globally, and also because tasks and responsibilities within the company often require
inter-departmental feedback and input. Moreover, with increased expansion, and synergy, the
business also regularly forms project teams – which function effectively because of the
cooperative and collaborative culture within the idbi bank organization.

Team v/s groups

The idbi bank has effective and functional teams and works with them internally to achieve
its various business goals and objectives, and complete tasks. The company’s management is
encouraging and supportive, and the leadership provides a motivating and pragmatic vision
toad achieve. The human resource management system, as well as the organizational training,
supports all employees in their growth fairly and transparently. This leads to effective team
formation instead of nominal groups within the organization for various projects, as well as
department-specific tasks and roles.

Employee skill level vs business goals

The idbi bank has a sufficient number of employees employed across its global operations.
Employees for different job roles and positions are hired internally as well as externally –
depending on the urgency and the skill levels required. Based on this, it is seen that the idbi
bank has employees who are skilled as per the requirements of their job roles and positions.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 26

 ORGANIZATION STUDY OF IDBI BANK LTD

All employees are given in house training to familiarize themselves with the company and its
values. External training along with in-house training is provided for skill level enhancement.

All job roles and positions are designed to facilitate the achievement of business goals, and as
such, employee skill level at the idbi bank is sufficient to achieve the business goals of the
company.

Number of employees

The idbi bank has employed a large number of employees. The number of employees varies
from country to country as per the requirements and needs of the business and operations.
The global team of the idbi bank is an inclusive one that accepts, and encourages diversity,
and works in synchronization with members to ensure attainment of business goals. The team
member sand employees are the most important part of business success for the idbi bank
Gaps in required capabilities and capacity the idbi bank has a well-defined system for
identifying potential needs of capabilities and capacities for the organization. The human
resource function of the business has a systematic process that aligns all other departments to
identify potential vacancies or skill gaps. Based on the nature of the need, the human resource
department arranges for recruitments which may be permanent or contractual in nature, as
well as arranges training sessions if need be for the current workforce.

Skills

Employee skills

The idbi bank has a commendable workforce, with high skills and capacities. All employees
are recruited based on their merit and qualifications. The idbi bank prides itself on hiring the
best professionals and grooming them further to facilitate growth and development.

Employee skills v/s task requirements

The idbi bank has defined tasks and job roles and hires and trains employees for skill levels
accordingly with respect to those. The company ensures that all its job requirements are met
and that employees have the sufficient skills to perform their respective jobs in accordance
with the values and culture as well as the business goals and strategy of the bank.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 27

 ORGANIZATION STUDY OF IDBI BANK LTD

Skill management

The idbi bank pays particular attention to enhancing the skills and capacities of its
employees. It arranges regular training and workshops – internally as well as externally
managed- to provide growth and development opportunities for its employees. The idbi bank
focuses on personal as well as professional growth for its employees and works accordingly
with them.

Company’s competitive advantage

The human resource is one of the core competitive advantages of the company. The skills of
employees are developed specifically for job roles and requirements at the idbi bank and
provide a competitive benefit to the company – where players cannot imitate employee skills
or training. This creates a unique and non-substitutable competency for bank.

Porter Five Forces Analysis of idbi bank Bank

Degree of Rivalry among competitors:

We can say that the industry has a high level of rivalry among rivals because the market is
fragmented and there are a a great deal of gamers existing separately with their particular
organisation designs. The fact that no large firm has entered this Porters Analysis of Vikas Co
Operative Bank case service adds to the high level of degree of rivalry amongst industry
players since the services being offered are mainly similar, the absence of distinction used by
market gamers more increases the degree of rivalry among market gamers.

Threat of new entrants:

The market has a high threat of brand-new entrants because it does not need high investment
in technology to go into the market. The purchase of products and materials is fairly simple
therefore little gamers can easily enter the industry. Without any economies of scale being
seen in the market due to the absence of larger gamers, the market offers very low barriers to
entry. Furthermore, there is no remarkable skill needed in car cleaning if we look at business
designs being used currently which further reduces the barriers of entry.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 28

 ORGANIZATION STUDY OF IDBI BANK LTD

Threat of substitutes:

The threats of alternative might be low offered the reality that cars and truck washing does
not specifically have substitutes. While the idea might have various kinds of car Porters
Analysis of Vikas Co Operative Bank such as self-service vehicle washes and automated
Porters Analysis of idbi bank, however the overall idea of automobile wash does not have
alternatives.

Bargaining power of suppliers:

The bargaining power of the provider is rather low offered the reality that there are a great
deal of suppliers in the car wash industry. With the lack of vendor agreements and consumer
commitment, the supplier has a low individual power.

Bargaining power of buyers:

With the market having a a great deal of providers providing services with their respective
cost, quality and individuality, the consumer can quickly change between suppliers.
Considering that brand changing is refrained from doing at a high cost to the customer, the
market has a high bargaining power when it concerns the buyer. Buyers are not faithful to any
particular brand while at the very same time the choice of cleaning vehicles at homes
likewise exists which involves virtually no monetary expense to the purchaser. This further
increases the bargaining power that the purchaser has in the industry.

We can conclude from the industry analysis that the automobile wash industry appears to
have a high degree of competition is high while at the same time there are no clear
alternatives to automobile washing. The power of the provider is low while the buyer has a
high bargaining power. The danger of new entrants is high due to the truth that a low level of
financial investment is required for getting in the business but a clear absence of brand name
commitment makes this an attractive industry particularly as no gamer has managed to
develop a prominent position for itself until now.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 29

 ORGANIZATION STUDY OF IDBI BANK LTD

CHAPTER 04

SWOT ANALYSIS

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 30

 ORGANIZATION STUDY OF IDBI BANK LTD

In this article SWOT analysis of the IDBI bank analyses the brand by its strengths,
weaknesses, opportunities & threats. In the IDBI Bank SWOT Analysis, the strengths and
weaknesses are the internal factors whereas opportunities and threats are the external factors.
SWOT Analysis is a proven management framework which enables a brand like The Co-
operative Bank to benchmark its business & performance as compared to the competitors.
The IDBI Bank is one of the leading brands in the banking & financial services sector.

The article below lists the idbi Bank swot, competitors and includes its target market,
segmentation, positioning & USP. Let us start the idbi bank swot Analysis:

SWOT ANALYSIS OF THE IDBI BANK

For The Bank, SWOT analysis can help the brand focus on building upon its strengths and
opportunities while addressing its weaknesses as well as threats to improve its market
position.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 31

 ORGANIZATION STUDY OF IDBI BANK LTD

Strengths:

Government Ownership: IDBI Bank was initially established as a development financial

institution and is currently owned by the Indian government. This backing can instill a sense
of stability and trust among customers.

Diversified Services: IDBI Bank provides a wide range of financial services, including retail
banking, corporate banking, and treasury operations. This diversification can contribute to
revenue stability.

National Presence: With a network of branches and ATMs across the country, IDBI Bank
has a significant national presence, enhancing its accessibility to customers.

Technology Infrastructure: Modern technology infrastructure enables IDBI Bank to offer

online and mobile banking services, enhancing customer convenience and operational
efficiency.

Weaknesses:

Financial Performance: As of my last update, IDBI Bank had been facing financial
challenges, including high non-performing assets (NPAs). Weak financial performance can
impact the bank's ability to invest in growth initiatives.

Dependence on Wholesale Funding: IDBI Bank has historically been reliant on wholesale
funding sources. This dependency can expose the bank to market fluctuations and funding
risks.

Asset Quality: Like many other banks, IDBI Bank has faced challenges related to asset
quality, particularly in managing and reducing non-performing loans. This can affect
profitability and capital adequacy.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 32

 ORGANIZATION STUDY OF IDBI BANK LTD

Opportunities:

Digital Banking Expansion: Embracing and expanding digital banking services can provide
IDBI Bank with opportunities to reach a wider customer base and enhance customer
experience.

Government Initiatives: Continued government initiatives aimed at economic development

and financial inclusion can create opportunities for IDBI Bank to participate in key projects
and programs.

Retail Banking Growth: Focusing on the retail banking segment can be an opportunity for
IDBI Bank to diversify its revenue streams and reduce dependence on corporate clients.

Threats:

Competition: The banking industry is highly competitive, with both domestic and
international players. Increased competition can put pressure on margins and market share.

Economic Downturn: Economic downturns can lead to an increase in non-performing

assets, affecting the overall financial health of the bank.

Regulatory Changes: Changes in regulatory requirements, especially related to capital

adequacy and risk management, can pose challenges for IDBI Bank in terms of compliance
and adaptation.

Cyber security Risks: As a digital presence grows, so does the risk of cyber security threats.
IDBI Bank needs to continually invest in cyber security measures to protect customer data
and maintain trust.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 33

 ORGANIZATION STUDY OF IDBI BANK LTD

Chapter 5
Financial statement

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 34

 ORGANIZATION STUDY OF IDBI BANK LTD

BALANCE SHEET

Year 2023 2022 2021 2020 2019

SOURCES OF FUNDS :
Capital 4,104.31 3,277.66 3,277.66 2,760.03 1,743.72
Reserves Total 51,026.93 42,407.93 40,538.65 38,921.13 33,796.93
Equity Share Warrants 0 0 0 0 0
Equity Application
Money 0 3,000.00 0 4,638.00 0
Deposits 6,27,895.96 6,27,113.56 5,55,504.98 5,20,862.35 5,20,854.38
Borrowings 26,760.37 32,464.11 39,752.47 44,241.17 43,588.78
Other Liabilities &
Provisions 26,784.27 19,731.17 19,920.78 15,754.29 11,442.46
Others 0 0 0 0 0
TOTAL LIABILITIES 7,36,571.84 7,27,994.43 6,58,994.54 6,27,176.97 6,11,426.27

APPLICATION OF
FUNDS :
Cash & Balances with 40,280.58 60,697.57 29,239.25 29,236.56 31,347.84
RBI
Balances with Banks &
money at Call 51,277.06 65,883.10 57,217.05 65,574.92 64,534.66
Investments 1,74,448.41 1,87,252.85 1,58,572.99 1,47,639.04 1,37,111.11
Advances 4,20,841.79 3,65,686.52 3,68,883.30 3,41,005.94 3,41,380.19
Fixed Assets 9,774.95 8,914.13 8,982.00 8,920.04 8,265.29
Other Assets 39,949.04 39,560.25 36,099.94 34,800.46 28,787.17
Miscellaneous
Expenditure not written
off 0 0 0 0 0
Others 0 0 0 0 0
TOTAL ASSETS 7,36,571.83 7,27,994.42 6,58,994.53 6,27,176.96 6,11,426.26
Contingent Liability 4,23,198.21 4,53,634.85 3,52,309.91 3,11,309.21 3,42,653.98
Bills for collection 27,600.93 24,906.92 25,056.25 28,500.40 32,102.67

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 35

 ORGANIZATION STUDY OF IDBI BANK LTD

RATIO ANALYSIS

Ratio analysis is an accounting tool, which can be used to measure the solvency, the
profitability, and the overall financial strength of a business, by analysis its financial
accounts (specifically the balance sheet and the profit and loss account).
Account ratio are very easy to calculate and they enable a business to highlight which areas
of its finances are weak and therefore require immediate attention.

Current Ratio

Current Ratio = Current Assets / Current Liabilities

 Current Assets: Stock +Debtors + Bills Receivable +Prepaid Expenses

+Short Term Investment + Cash in hand +Cash at bank.
 Current Liabilities: Bills payable + Outstanding expenses +Bank overdraft
+Creditors.

TABLE SHOWING THE CURRENT RATIO FOR THREE YEARS

Years Current Current Current

Assets Liabilities Ratio

2022 23,389.85 11983.19 1.96

2023 16,575.36 8840.87 1.87

Interpretation:

From the above table it is observed that it is observed that Liquidity Ratio is
instable and fluctuating. In the year 2022 the ratio is 1.96 times. In the year 2023
the ratio is 1.87times.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 36

 ORGANIZATION STUDY OF IDBI BANK LTD

Quick Ratio

Quick Ratio =Quick Assets / Quick Liabilities

 Quick Assets: All current assets except stock and prepaid expenses

 Quick Liabilities: All except Bank overdraft.

TABLE SHOWING THE QUICK RATIO FOR TWO YEARS

Years Quick Assets Quick Liabilities Quick Ratio

2022 23,389.85 11983.19 1.96

2023 16,575.36 8840.87 1.87

Interpretation:

From the above table it is observed that it is Quick Ratio is instable andfluctuating
In the year 2022 the ratio is 1.96 times. In the year 2023 the ratio is 1.87 times.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 37

 ORGANIZATION STUDY OF IDBI BANK LTD

PROPRIETARY RATIO

proprietary ratio is the relationship between shareholders fund and total assets of company. It
is also called equity ratio or shareholder’s funds to total assets ratio net worth to total assets
ratio. This ratio tells the percentage of share holders which has been invested money in total
assets.

Proprietary ratio = Shareholders fund

Total assets

TABLE SHOWING THE PROPRITERY RATIO FOR TWO YEARS

Years Proprietors fund Total assets Ratios

2022 41754.63 55603.12 0.75

2023 37044.67 16575.36 2.23

Interpretation:

From the above table it is observed that it is observed that Quick Ratio is instable and
fluctuating. In the year 2022 the ratio is 0.75 times. In the year 2023 the ratio is 2.23
times.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 38

 ORGANIZATION STUDY OF IDBI BANK LTD

CHAPTER 6
LEARNING EXPERIENCE

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 39

 ORGANIZATION STUDY OF IDBI BANK LTD

During 4 weeks of internship, I have accumulated various experience and wider new
knowledge through activities and tasks had been assigned to me. The bank manager of IDBI
Bank Ltd Mr. Shashi Kumar ,employees and other subordinate encouraged me to do
internship in their organization and I have done successfully my internship and report in the
organization. However, in this section I’m going to relate my experience with course that I
have taken to study on organization. Although I have got to know many different new things
across the intern period.

I’ve got to know many different new things across the intern period. As below stated

 Learnt things about how a bank performs in various streams

 Got know how a bank work pattern be like.
 Got depth knowledge about SWOT analysis, Mckensy’s 7S framework, Porter’s five
force model
 Able to know and perform on analyzing financial statements
 Got to know many things about the IDBI BANK LIMITED.
 Got to know few things about work culture of the bank and employees.
 Got to know about the bank
 Had an opportunity to focus on many new things
 This process helped me improving my skills in MS Word, MS Excel & got an opportunity
to use many new features of those.
 Learnt many new things through this process which might be an asset for my future of
work life.
 Got an opportunity to work on a company’s financial statements practically and try to
analyse them that boosts up my previous learning.
 A four-week practical experience had built my skill set & been very much helpful in
gaining basic knowledge about many new things.

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 40

 ORGANIZATION STUDY OF IDBI BANK LTD

Conclusion

The study shows that IDBI BANK LTD loan product portfolio for satisfying different
customer needs in lucrative manner but, the bank provide the benefits like SMS alert and
other future so has to make the loans more attractive. The loan segment can extend to the NRI
segment; this would provide the bank a cutting the edge and large share of the loan market.
the organizational study of IDBI Bank highlights its strengths in organizational structure,
customer-centric focus, technological integration, risk management, employee development,
financial stability, strategic collaborations, and commitment to social responsibility. These
factors collectively position IDBI Bank as a resilient and progressive financial institution in
the contemporary banking landscape. The bank's commitment to financial excellence,
customer-centric approach, and continuous adaptation to evolving market dynamics stand out
as commendable aspects. The exploration of various departments, from retail banking to
corporate finance, has underscored the bank's multifaceted operations and its role as a key
player in the financial sector.

The bank can contemplate on decentralizing the operations however taking into consideration
the experience and expertise of the member at loan department enters.

 In my study we came to know that many people are interested to take a loan from IDBI
bank ltd.
 The loan sanction process is fast when you compare to other banks.
 The bank is customer friendly.
 The bank provides 365days service to the customers.
 There are more facilities provided by the bank to the customers.

BIBILOGRAPHY AND REFERENCES

 www.chrome.com
 www.idbi bank.com
 www.indianfinance
 www.indianbankingsector
 www.financialstatement

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 41

 ORGANIZATION STUDY OF IDBI BANK LTD

Annexure -1

Name of the student K SUMANTH GOWD

USN 3BR22BA059

Title of the study ORGANIZATIONAL STUDY

Organization Name IDBI BANK LTD

Duration 06/11/2023 to 12/11/2023

Chapters Covered CHAPTER 1

Description of Activities done by

INTRODUCTION ABOUT THE
student
COMPANY

Date:
Review by the guide:

Signature of Internal Guide with date Signature of Student

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 42

 ORGANIZATION STUDY OF IDBI BANK LTD

Annexure -2

Name of the student K SUMANTH GOWD

USN 3BR22BA059

Title of the study ORGANIZATIONAL STUDY

Organization Name IDBI BANK LTD

Duration 12/11/2023 to 20/11/2023

Chapters Covered CHAPTER 2

Description of Activities done by a) VISION, MISSION, QUALITY

student POLICY
b) SERVICE PROFILE
c) ACHIEVEMENTS/AWARDS
d) FUTURE GROWTH
e) OWNERSHIP GROWTH
f) ORGANISATIONAL
PROFILE

Date:
Review by the guide:

Signature of Internal Guide with date Signature of Student

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 43

 ORGANIZATION STUDY OF IDBI BANK LTD

Annexure -3

Name of the student K SUMANTH GOWD

USN 3BR22BA059

Title of the study ORGANIZATIONAL STUDY

Organization Name IDBI BANK LTD

Duration 20/11/2023 to 23/11/2023

Chapters Covered CHAPTER 3

a) MCKENSY’S 7S FRAMEWORK
Description of Activities done by
student b) PORTER’S FIVE FORCE MODEL

Date:
Review by the guide:

Signature of Internal Guide with date Signature of Student

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 44

 ORGANIZATION STUDY OF IDBI BANK LTD

Annexure -4

Name of the student K SUMANTH GOWD

USN 3BR22BA059

Title of the study ORGANIZATIONAL STUDY

Organization Name IDBI BANK LTD

Duration 24/11/2023 to 26/11/2023

Chapters Covered CHAPTER 4

Description of Activities done by

SWOT ANALYSIS
student

Date:
Review by the guide:

Signature of Internal Guide with date Signature of Student

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 45

 ORGANIZATION STUDY OF IDBI BANK LTD

Annexure -5

Name of the student K SUMANTH GOWD

USN 3BR22BA059

Title of the study ORGANIZATIONAL STUDY

Organization Name IDBI BANK LTD

Duration 27/11/2023 to 2/12/2023

Chapters Covered CHAPTER 5

Description of Activities done by student ANALAYSIS OF FIANCIAL

STATEMENT

Date:

Review by the guide:

Signature of Internal Guide with date Signature of Student

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 46

 ORGANIZATION STUDY OF IDBI BANK LTD

Annexure -6

Name of the student K SUMANTH GOWD

USN 3BR22BA059

Title of the study ORGANIZATIONAL STUDY

Organization Name IDBI BANK LTD

Duration 3/12/2023 to 7/12/2023

Chapters Covered CHAPTER 6

Description of Activities done by student LEARNING EXPERIENCE

Date:

Review by the guide:

Signature of Internal Guide with date Signature of Student

DEPARTMENT OF MANAGEMENT STUDIES, BITM, BALLARI Page 47