SWOT ANALYSIS BANK OF

BARODA, SHAHGANJ

BY: MANISH SUJANANI

CONTENTS
Introduction
Activities
Project - SWOT analysis
Employee questionnaire
Customer questionnaire
Strength
Weakness
Opportunity
Threat
Recommendations

BANK OF BARODA
An Indianstate-ownedbanking andfinancial
servicescompany.
Headquartered inVadodara.
Acorporateheadquartersin theBandra Kurla
Complex
inMumbai.
Founded by theMaratha,Maharaja of Baroda,H. H.
Sir Sayajirao Gaekwad IIIon 20 July 1908.
Second-largest bank in India, afterState Bank of
India.
Network of 5307 branches in India and abroad, and
over 8000 ATMs.
Indias International Bank.

BANK OF BARODA,
SHAHGANJ
Attended summer internship at the Shahganj
branch of Bank of Baroda, Agra.
From 3rd June to the 1st July, 2015.
Given to frame a project on SWOT analysis of the
branch.
OBJECTIVE
To expose myself to the functioning of an
organisational setup and experience the dynamics
of operations and improve managerial knowledge
imbibed during the last four semesters of study.

ACTIVITIES
Clearing of cheques
ATM cards and pins dispensing
Database management
Documentation of loan review dates
Scrutinising accounts
Updating and verifying documents
Attending to customer grievances
Communicating and marketing schemes
- PMJDY , PMJJBY, PMSBY, APY

PROJECT - SWOT ANALYSIS

Observations form daily working.
Qualitative - Exploratory approach
Excerpts from the Internal Audit Report SECONDARY DATA
Surveys - PRIMARY DATA
Employee questionnaire : To get an insight of the
environment and employees perception.
Customer questionnaire : To evaluate customers
satisfaction about the services offered by the
branch.

EMPLOYEE QUESTIONNAIRE
11 Respondents
All the respondents described the environment
to be co-operative.
All the respondents were satisfied with the top
management.
Two employees were dissatisfied with the growth
prospects and felt that their work was not
acknowledged.
The branch employees agreed to be equipped
with necessary tools.

CUSTOMER QUESTIONNAIRE
PARAMETER

OBSERVATION

Respondents

40% Zero balance

50% Savings
10% Fixed/Recurring deposits

Experience with employees

90% Pleasant

Service quality

45% Very good

25% Good
30% Average

Branch image

80% Accessibility
20% Global presence

Respondents using services of

alternative banks

10% of respondents
Services tallied similar

Recommendation

95% respondents gave consent

STRENGTH
Highly co-operative workforce with effective
interpersonal communication.
Advanced technology like auto deposit and
passbook updating machines to enhance
customer experiences.
Robust and reliable IT framework and CBS
mechanized.
Handles government business.
Effective marketing.
Compassionate handling of grievances.

WEAKNESS
Not authorised to deal in Foreign Exchange
Business.
Poor involvement of staff to achieve corporate
goals.
High amount of Non-performing assets
amounting to 92.40 lakhs (RBIA, 2014).
Inefficient use of resources and low maintenance
standards.

OPPORTUNITY
Branch located close/within the business centre.
SME and retail lending products of the bank are
well suited for the branch by virtue of its location.
Competitive technological advances tapping wide
customer base.

THREAT
Competitive banks nearby advancing
technologically.
Legislations from government and regulations
from the bank.

RECOMMENDATIONS
The branch should concentrate on Small and
Medium enterprise and retail advances.
Target/responsibilities should be fixed for each
staff member for business development assessing
the potential of the staff.
Concentration should be laid on recovery of Nonperforming assets.

LEARNINGS
Major utilisation and importance of technological
advances adding to efficiency at workplace.
Good interpersonal skills and a co-operative
environment makes the working place lively.