Study on Andhra Bank

A REPORT ON

BRANCH VISIT

TO

ANDHRA BANK,

J. P. NAGAR, BANGALORE

SUBMITTED BY SUBMITTED TO

SRIKANTH SHARMA N

1

BRIEF HISTORY

"Andhra Bank" was founded by the eminent freedom fighter and a multifaceted

genius, Dr.Bhogaraju Pattabhi Sitaramayya. The Bank was registered on 20th November 1923

and commenced business on 28th November 1923 with a paid up capital of Rs 1.00 lakh and an

authorised capital of Rs 10.00 lakhs.

PERFORMANCE HIGHLIGHTS FOR THE YEAR ENDED 31st MARCH 2009

Andhra Bank is pleased to announce the Results for the year ended 31st March 2009. Bank has

shown improvement in key business parameters for 2008-'09 compared to FY 2007-08.

Total Business surpassed Rs.1 lakh crore

100% of Branches brought under Core Banking Platform

62% jump in Q4 Net Profit

SERVICES OFFERED

ANDHRA BANK SAVINGS ACCOUNT SCHEMES

KIDDY BANK ACCOUNT

Name of the Account AB Kiddy Bank

Who can open Children upto the age of 18 years (only minors)

Minors who have completed 10 years i.e., children in the age group of

10-18 years can open these accounts in their names to be operated by

themselves on production of proof of date of birth

For minors who are below 10 years, the natural guardian should open

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and operate the account.

Doll At the time of opening the account, an attractive doll will be given free

of cost to each account holder for pul1ing their savings in the doll.

Doll contains a secret lock which can be opened only at the branch

where the account is held.

Minimum balance Rs.100/-

Options available 1) Accident Insurance Coverage - Accident Insurance coverage for the

child and the parent with M/s.United India Insurance Co. Ltd., RS.55/-

premium for a cover of Rs.1.00 lakh

2) Life Insurance Coverage - Life Insurance coverage to the parent in

the age group of 18-55 years. The sum assured is Rs.1.00 lakh in case of

natural death or for accidental death and the premium payable is as

below.

Age Group Premium Payable (Rs.)

18-35 Years 216

36-50 Years 372

51-55 Years 732

Service Charges @ Rs.40/- plus Service Tax @12.36% shall be

collected separately.

Interest Payable Interest on the amounts are payable as per the rates applicable to

Savings Bank account which is at 3.50% p.a.

Deposits to the

accountCan be made from any branch of Andhra Bank

AB ABHAYA PLUS

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AB Abhaya Plus is Savings bank account with Accidental Insurance facility covering death /

partial or permanent disability.

The maximum coverage is up to Rs 50000/-.

Add value to your Savings account by opening this new abhaya plus savings scheme.

RISK COVERED

Nature of Disability

due to accident

Insurance cover

Rs.

Death 50,000

Permanent total disability 50,000

Loss of two eyes/feet/hands 50,000

Loss of any two limbs out of Eyes/hands/feet 50,000

Loss of one eye/foot/hand 25,000

ANDHRA BANK EASY SAVING ACCOUNTS

To make banking facilities available to vast sections of population our Bank introduced No Frills

Savings A/c with name and style "AB Easy Savings Bank" account.

FEATURES

1. Minimum balance of Rs.5/-

2. No Charges on non maintenance of Minimum Balance

3. No other service charges

4. No Restrictions on the number of withdrawals in the account. Drawals only

through withdrawal forms accompanied by pass book.

5. No cheque book shall be issued

6. No ATM / Debit card facility

7. No ABB facility

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8. Relaxed KYC Norms,

Introduction by an existing account holder. The introducer's account with

the bank should be at least six month old and should show satisfactory

transactions.

Any other evidence as to the identity and address of the customer to the

satisfaction of the bank.

CONDITIONS

The total balance in the account at any point of time should not

exceed Rs. 50000/-

ABHYA SB A/C

SAVINGS BANK ACCOUNT WITH ACCIDENTAL INSURANCE

Eligibility Individuals, either single or joint

Age Limit 5 to less than 70 years

Insurance cover Rs. 25,000 /- per person

Risk Covered Risk is covered only due to accident

In case of Death Rs. 25,000 /-

Disability: a) Permanent Rs. 25,000 /-

b) Partial Rs. 12,500 /-

Premium/ Service

charges

Rs. 18 /- per person per annum (subject to changes every year)

Periodicity The insurance charges are to be collected at the time of opening the

account and on 31st August every year

Insurance Year 1st September to 31st August every year

Claim Information The information should be given within 90 days directly to the bank

branch where the account is maintained.

Claim Submission The claim document should be submitted within 180 days from the date

of accident/ death to the bank branch.

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Value additions Cheque books/ International Debit card/ 24 hour ATM facility/ Utility

payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.

ABHYA GOLD SB A/C

SAVINGS BANK ACCOUNT WITH ACCIDENTAL INSURANCE

Eligibility Individuals, either single or joint


Insurance cover Rs. 1,00,000 /- per person

Risk Covered

Risk is covered only due to accident

In case of Death Rs. 1,00,000 /-

Disability:

a) Permanent Rs. 1,00,000 /-


Premium/

Service chargesRs. 65 /- per person per annum (subject to changes every year)

PeriodicityThe insurance charges are to be collected at the time of opening the

account and on 31st October every year

Insurance Year 1st November to 31st October every year

Claim

Information

The information should be given within 90 days directly to the bank


Claim

Submission

The claim document should be submitted within 180 days from the date of

accident/ death to the bank branch.

Value additionsCheque books/ International Debit card/ 24 hour ATM facility/ Utility


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JEEVAN ABHYA SCHEME

AB Jeevan Abhaya is a Savings Bank Account launched in association with M/s LIC of India,

which provides Group Life Insurance Cover with Accident Death Benefit.

1. What is "AB Jeevan Abhaya"

Savings Bank Account?

"AB Jeevan Abhaya" is a Savings Bank Account that

provides Group Life Insurance cover and Accident

Death Benefit.

2. Who can open AB Jeevan Abhaya

Savings Bank Account?

The Scheme is open to all those who are in the age

group of 18 to 55 years.

3. What is the sum assured?The sum assured is Rs.1,00,000/- in case of normal

death and Rs.2,00,000/- in case of accidential death.

4. Do the person has to undergo any

Medical Check-up?

No Medical Check-up is required except a simple

Health Declaration Form.

5. Do the person has to give Proof of

age?Yes. Proof of age is required if there is a claim.

6. Do the person get any Policy

certificate and any Surrender Value of

the Policy?

No. No individual Policy will be given as this is a

Group Policy and there will be no surrender value.

8. Who will settle the Claims?

Settlement of claims is done by M/s Life Insurance

Corporation of India Ltd at their sole discretion and our

Bank will only act as a facilitator.

9. Can a person include his Family

members in the Scheme?

Yes. By opening a joint account and on payment of

premium applicable for each joint account holder.

10. What is the premium payable? The premium is payable per annum according to three

Age Groups:

Age Group Premium Payable

18-35 216/-

36-50 372/-

51-55 732/-

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Apart from premium, a nominal Administrative Charges

@33/- with Service Tax 12.24% per account is charged

11. What is the Insurance year?The insurance year is from 1st December to

30thNovember every year

12. What is the claims procedure?

Intimation of death to be given to the Insurance

Company within 90 days and the duly filled in claim

form along with necessary documents to given to

Insurance Company within 180 days through our Bank.

13. What are the Documents to be

submitted to Insurance company?

In case of Normal Death: Death Certificate

In case of Accidental Death: Death Certificate, FIR

Report , Final Report & Post mortem report.

14. What are the Special features of

the Scheme?

The premium paid by a person is a special rate offered

under the Group Life Insurance Scheme and would be

much more for the same policy if taken as an Individual

policy.

15. Lien Clause

Lien of 45 days is operative under AB Jeevan

Abhaya/AB Jeevan Abhaya Special Account. i.e. if

death occurs within 45 days of opening of account,

claim shall not be payable. However, this clause does

not apply in case of death due to accident.

ANDHRA BANK CURRENT ACCOUNTS

INSURANCE LINKED CURRENT ACCOUNT

CURRENT ACCOUNT WITH ACCIDENTAL INSURANCE

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EligibilityIndividuals, JHF, Proprietary concerns, Partnership firms, Accounts of

Overdraft/ Cash credit/ Pattabhi Agri Card


Insurance cover Rs. 1,00,000 /- per person

Risk Covered

Risk is covered only due to accident

In case of Death Rs. 1,00,000 /-

Disability: a) Permanent Rs. 1,00,000 /-


Premium/ Service

chargesRs. 60 /- per person per annum (subject to changes every year)

PeriodicityThe insurance charges are to be collected at the time of opening the

account and on 21st February every year

Insurance Year 21st February to 20st February every year

Claim InformationThe information should be given within 90 days directly to the bank


Claim SubmissionThe claim document should be submitted within 180 days from the date

of accident/ death to the bank branch.

Value additionsCheque books/ International Debit card/ 24 hour ATM facility/ Utility


Minimum Balances to open Current Account :

Branch Located in Minimum Deposit (in Rupees)

Rural 1000/-

Semi Urban 2000/-

Urban 3000/-

Metro 5000/-

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The account holders have to maintain a minimum balance at all times as mentioned above

ANDHRA BANK FIXED DEPOSTS

Minimum Amount to be deposited is Rs.100/-

There is no maximum ceiling

The period of deposits is from 15 days to 10 years

Interest Rates on Domestic Term Deposits

Revision of Interest Rates on Domestic Term Deposits

SL

No

Maturity Period Rates of interest (%) per annum w.e.f. 05/06/2009

Less than

Rs.15.00 Lakhs

Rs.15.00 Lakhs

to

< 1.00 Cr

Rs. 1.00 Cr to

Rs.5.00 Cr

Above

Rs. 5.00 Cr

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1 7 days to 14 days* 2.75 2.75 2.75 2.75

2 15 days to 45 days 4.00 4.00 3.00 3.00

3 46 days to 90 days 5.00 5.00 3.00 3.00

4 91 days to 119 days 5.50 5.50 3.50 3.50

5 120 to 179 days 5.50 5.50 3.50 3.50

6 6 to < 9 months 6.50 6.50 4.50 4.50

7 9 to < 12 months 6.75 6.75 5.50 5.50

8 1 year to < 2 years 7.25 7.25 6.00 6.00

9 2 years to < 3 years 7.25 7.25 6.00 6.00

10 3 years to < 5 years 7.25 7.25 6.00 6.00

11 5 years to 10 years 7.25 7.25 6.00 6.00

*For Deposits Rs.1.00 Lakh and Above

Note : AB SUPER SCHEME IS CLOSED BY 15.12.2008. IT STANDS WITHDRAWN FROM

16.12.2008

ANDHRA BANK CUMULATIVE TERM DEPOSIT

This is a Cumulative Term Deposit

Minimum Amount to be deposited is Rs.100


The minimum period is 6 months and maximum is 10 years

The interest is compounded quarterly and paid on maturity of the deposit

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ANDHRA BANK RECURRING DEPOSITS


The minimum period is 6 months and maximum is 10 years

Interest is quarterly compounded

ATMMOBILE – AN ATM PLUS MARKETING POINT

IN BRINGING CONVENIENCE TO YOUR DOOR STEPS

Andhra Bank the pioneer in several banking services and products, now brings banking services

to the doorsteps of customers. Mobile ATMs, apart from expanding the reach of the bank, will

also effectively function as a market point offering multiple services even in remote areas.

SERVICES INCLUDE

Balance Enquiry.

Cash Withdrawal.

Mini Statement.

Funds Transfer.

Cash against Credit Cards.

Mobile recharge.

ATM Cards of SBI, Indian Bank, UTI, IDBI, HDFC Banks.

Utility Payments.

ADVANCED TECHNOLOGY - TO MEET CUSTOMER NEEDS

ATMobile works on advanced CDMA technology, and is designed with inbuilt security features.

Computers and wireless connectivity ensures that records were also updated immediately at these

mobile locations. The front portion of the custom built vehicle will have an ATM, while the rear

portion will be used for customer service, by the bank staff.

CMS (CONTENT MANAGEMENT SYSTEM)

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CMS is a banking service that enables the customers to manage their Receivables and Payments

efficiently and effectively. Under CMS, customers get a Single point credit for the cheques

deposited by their dealers at multiple locations.

RTGS (REAL TIME GROSS SETTLEMENT SYSTEM)

Real Time Gross Settlement System (RTGS) is the ultimate in the payment and settlement

architecture in any country primarily for online, real time inter bank payment and settlement of

large value funds.

In other words, this is an electronic payment processing environment where payment instructions

are processed on continuous / on real time basis and settled on gross / individual transaction basis

with out netting the debits against credits.

RTGS payment system can also be called as one in which payment instruction between banks are

processed, settled individually and continuously throughout the day as per the timings fixed from

time to time. (Between 9.00 a.m and 3.00 p.m daily and 9.00 a.m and 12.30 p.m. on Saturdays as

of now) RTGS works on all days except on Sundays and National holidays across states.

ELECTRONIC CLEARING SERVICE

Electronic Clearing Service benefits the Bank Customers & Investors in Shares / Debentures /Deposits.

Direct Credits

Dividend income from investment in shares/debentures Interest income from fixed deposits and bonds Commission and other regular incomes

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Salary and pension Income-tax refund orders and other inward remittances

Direct Debits

Telephone & Electicity Bills, loan instalments & insurance premia School, College & Club Membership fees Credit Card dues Water taxes, property taxes & other regular payments

THE NATIONAL ELECTRONIC FUNDS TRANSFER (NEFT)

The National Electronic Funds Transfer (NEFT) has been launched by Reserve Bank of India with an intention to transfer the funds with an efficient, secure, economical, reliable and expeditious way using Structured Financial Messaging System (SFMS), in order to avoid the stress on existing paper based funds transfer and clearing system.

Electronic Funds Transfer (EFT) has been phased out by RBI w.e.f, 01.01.2007 and NEFT facility has replaced EFT. We are happy to inform you that NEFT facility is being extended to all RTGS (Real Time Gross Settlement) branches in our bank.

NEFT facility has been relaunched with the brand name ' AB Xpress ".

To make banking facilities available to vast sections of population our Bank introduced No Frills Savings A/c with name and style "AB Easy Savings Bank" account. FEATURES

1. Minimum balance of Rs.5/-2. No Charges on non maintenance of Minimum Balance3. No other service charges4. No Restrictions on the number of withdrawals in the account. Drawals only through withdrawal

forms accompanied by pass book.5. No cheque book shall be issued6. No ATM / Debit card facility7. No ABB facility8. Relaxed KYC Norms,

o Introduction by an existing account holder. The introducer's account with the bank should be at least six month old and should show satisfactorytransactions.

o Any other evidence as to the identity and address of the customer to the satisfaction of the bank.

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CONDITIONSo The total balance in the account at any point of time should not exceed Rs. 50000/-

SERVICE CHARGES ELECTRONIC PAYMENT PRODUCTS AND OUTSTATION CHEQUE COLLECTION w.e.f., 15.10.2008

CANCELLATION Rs.50/INWARD RTGS / NEFT / ECS TRANSACTIONS Free, no charges to be leviedOUTWARD TRANSACTIONS

RTGS Rs.1 to 5 lakhNot exceeding Rs.25/- per transaction

Rs.5 lakh and above

Not exceeding Rs.50/- per transaction

NEFT Up to Rs.1 lakhNot exceeding Rs.5/- per transaction

Rs.1 lakh and above

Not exceeding Rs.25/- per transaction

CHEQEU RETURN CHARGES FOR ECS DEBIT RETURNS Rs.50/-per each ECS Debit return

These charges shall be applicable for all types of transactions, including inter-bank funds transfers

FOR OUTSTATION CHEQUE COLLECTION Up to Rs.10000

Not exceeding Rs.50/- per Instrument

Rs.10000 to 1

lakhNot exceeding Rs.50/- per Instrument

Rs.1,00,001 & above

Not exceeding Rs.50/- per Instrument

HOUSING LOANS

ELIGIBILITY CRITERIA

General

Age 18 to 65 years. Repayment maximum 20 years.

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75% of cost of construction OR 85% of estimated cost for outright purchase as loan No guarantee / co obligation. Income tax benefit for payment of both Principle and Interest as per I.T.Rules

Salaried Persons

Maximum 48 times monthly gross income Latest salary certificate Certificate from the employer regarding leftover service Estimates and other related approved documents 30% take home pay.

Housing Loans for Agriculturists, Business & Self-employed persons

For Agriculturists, four times of gross annual income as per certificate issued by the competent Revenue Authority, supported by evidence of land holdings

4 times the gross annual income Income Tax Returns Auditor Certificate Estimates and other related approved documents

Rate of Interest for Loans Sanctioned w.e.f., 01.04.2009

For Limits in Priority Sector :

1) Limits below Rs.20.00 lacs Housing Loans

2) For Repairs in Rural and Semi Urban Area up to Rs.1.00 lac

3) For Repairs in Urban and Metro Area up to Rs.2.00 lac

REPAYMENT PERIOD Interest Rates

Floating onlyUp to and inclusive of 5 years 09.50 (BMPLR-2.75)Above 5 & up to and inclusive of 10 years 09.75 (BMPLR-2.50)

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Above 10 years (Max. 20 years) 10.00 (BMPLR-2.25)

FOR LIMITS IN NON PRIORITY SECTOR I.E., ABOVE RS.20.00 LACS

REPAYMENT PERIOD Interest Rates

Floating onlyUp to and inclusive of 5 years 10.25 (BMPLR-2.00)Above 5 & up to and inclusive of 10 years 10.50 (BMPLR-1.75)Above 10 years (Max. 20 years) 10.75 (BMPLR-1.50)

PERSONAL LOANS

To meet any credit requirements of the borrowers for the personal/unforeseen commitments Security

Pledge of National Savings Certificates, Kisan Vikas Patra, Assignment of LIC Policies and Securities. PSU bonds.

Repayment 60 months.

Quantum 75% of the purchase value of securities pledged including the accrued interest (in

case of cumulative interest bearing securities). Co-obligation

For Credit limits above Rs 50,000/- Co-obligation is necessary Prevailing Interest rates apply

OTHER PERSONAL LOANS

Quantum of LoanProcessing

charges

Administrative charges

Per quarter per account

Per annumPer account

Upto and inclusive of Rs. 25,000/- Rs. 250/- Rs. 50/- Rs. 200/-

Above Rs. 25,001 and upto and inclusive of Rs. 50,000/-

Rs. 500/- Rs. 75/- Rs. 300/-

Above Rs. 50,001 and upto and inclusive of Rs. 75,000/- Rs. 750/-

Rs. 100/- Rs. 400/-

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http://www.andhrabank.in/scripts/InterestRates.aspx

http://www.andhrabank.in/scripts/InterestRates.aspx

Above Rs. 75,000/- Rs.1000/- Rs. 150/- Rs. 600/-

These charges both processing and administrative charges will be applicable to CONSUMER LOANS, CLEAN LOANS & VEHICLE LOANS.

WESTERN UNION MONEY TRANSFER

Living abroad, your loved ones are so far away. But when they send money home with Western

Union, it brings them closer. With Western Union’s state-of-the-art computer systems and a

secure global network, the money reaches you safely in minutes.

1. What is Western

Union Money

Transfer?

Remittances from abroad come by Swift/Drafts/Cheques which takes 10

days to realize the proceeds by the Customer. In Western Union Money

Transfer, the time taken will be very less.

2. Who introduced

Western Union

Money Transfer

Service?

Western Union Financial Services International, USA introduced

International Money Transfer Services. It is a subsidiary of First Data

Corporation, a Fortune 500 Company. At present, Western Union has

over 1,20,000 Agent locations in more than 190 countries.

3. Describe a typical

monetary transaction

made through

Western Union?

If Someone wants to send money to their family in India, all they need to

do is walk into a Western Union Agent location. There, they fill out a

“To Send Money” Form and hand the amount being sent along with the

required service fee to the Agent. The information is then keyed at once

into the dedicated Western Union system, which is connected to various

centers through a proprietary software around the world. The

Receiver/Beneficiary can then go to any of our identified Andhra Bank

Branches* offering Western Union Money Transfer Service fill out a “To

Receive Money” Form and show proper photo identification. Once this

information is verified and found to be satisfactory, the Branch pays the

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Money.

4. What type of

Remittances are

permitted / not

permitted in this

Service?

According to Reserve Bank of India (RBI) guidelines, only personal

remittances towards family maintenance and remittances favoring foreign

tourists visiting India are permitted under this Service. All Trade related

remittances, remittances towards purchase of property, investments or

credit to NRE/FCNR Accounts etc or Donations/Contributions to

Charitable organizations are not permitted under this Service.

5. What is the

maximum amount

permitted by RBI

under this Scheme?

For our Customers and also General Public, any single remittance under

the scheme shall not exceed US Dollors 2500 or its equivalent. Branches

can pay up to Rs.49,999/- by Cash and all amounts of Rs.50,000/- and

above shall be paid by Pay Order/Demand Drafts (without our Bank

Charges) or Direct credit to the Beneficiary Account in the Branch. For

Foreign Tourists amount exceeding Rs.50,000/- can be paid by Cash as

per RBI permission. Only 12 Remittances shall be permitted in a year by

a single recipient.

6. What the salient

features of the

Service?

The Service is approved by Reserve Bank of India. The

Beneficiary/Receiver pays no fee. Neither the Sender nor the Receiver

has to have a bank account. The Service is Fast, Safe, Legal & Reliable.

Each transfer is protected by a world class security system.

7.Identity proof to be

submitted for

receiving money?

Passport 2. Driving License 3. Ration Card 4. Voters ID 5. PAN

Card 6. Refugee Card

7. Student ID issued by Government College 8. Bank Pass Book (with

Photo) 9. Army card

10. Police Card.

All these IDs must be valid at the time of transactions.

8. Andhra Bank

Branches where

amount can be

received?

Nearly 50% of the branches of Andhra Bank are designated centers to

receive money under Western Union Money transfer. Look out for the

Western Union Money Transfer sign Board in front of the branches to

receive money by you.

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MOBILE BANKING

REGISTRATION PROCEDURE

An Andhra Bank Customer can register himself for mobile banking services by submitting

application form for the mobile banking service duly signed accepting the terms and condition

displayed in our site www.andhrabank.in .

However, An Andhra Bank Customer can register himself through any Andhra Bank ATM

accepting all term and conditions.

ANDHRA BANK has launched Mobile Banking Services through SMS ALERTS

WHAT IS PUSH MESSAGE ALERTS?

A push transaction is one in which the bank sends information based on a set of rules. Under this

service, customer registered for Mobile Banking facility shall be able to get SMS alerts for

various activities on his account Such messages are those that the Bank chooses to send out to a

customer’s mobile phone for which the customer needs to be registered under ANDHRA BANK

Mobile Banking Service by submitting one time application to the bank for availing the facility.

Mobile Alerts offered initially

For Transactions above a certain limit

ATM Withdrawal above a certain limit

Cheque Returns

Cheque Book Issue

Term Deposit Due

Balance for any transaction at day end

Registration of Mob No for SMS Alert’s Andhra Bank ATMs

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WELCOME SCREEN

WELCOME

TO

ANDHRA BANK

ATM

PLEASE INSERT

YOUR CARD

THIS IS CARD READ STATE CUSTOMER HAS TO INSERT HIS ATM/DEBIT CARD

PIN ENTRY SCREEN

PLEASE ENTER

YOUR PIN

CUSTOMER HAS TO KEY IN HIS 4 DIGIT PIN.

MAIN MENU FOR ANDHRA BANK CUSTOMERS

=> E SEVA &

OTHERSFAST CASH <=

=> TRANSFER WITHDRAWAL <=

=> MINI

STATEMENT

BALANCE

ENQUIRY <=

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=> LOG ONLY IN CHANGE <=

CUSTOMER HAS TO SELECT ESEVA & OTHERS OPTION FOR SMS REGISTRATION.

ESEVA & OTHERS SUB MENU

=> MOBILE

RECHARGE

TTD/SHIRDI

DONATIONS <=

=> SMS

REGISTRATION

E SEVA &

UTILITIES <=

=> CALLING CARDUTILITY

PAYMENT <=

=> FIXED LINE

CUSTOMER HAS TO SELECT SMS REGISTRATION OPTION

SMS REGISTRATION SCREEN

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AB e - R@IL

BOOKING YOUR RAILWAY TICKETS HAS NEVER BEEN SO EASY.

In association with IRCTC, Andhra Bank introduces booking of Railway Ticket on net

using Andhra Bank Debit Cards.

Under this arrangement, our Debit Card holders can log on to the website of IRCTC,

www.irctc.co.in and schedule the travel. Once the reservation is complete, while invoking the

payment option, choose Andhra Bank and enter the card details as it appears on your card and

key in the PIN.

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http://www.irctc.co.in/

BANK LAYOUT

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STORE ROOM

BACK OFFICE

CASHIER

BACK OFFICE

OPERATIONS

OPERATIONS

DEPOSIT

SENIOR MANAGER

LOCKER

NOTICE BOARD

ATMFROM OUT SIDE

ENTRANCE

BANK LAYOUT

OBSERVATIONS

Non availability of help desk.

Availability of Suggestion box

Availability of Complaint box.

Non availability of cc TV in the bank.

locker facility is not available in the bank.

proper security is arrangements made in the bank.

Notice boards are displayed in three languages for the convenience.

Employees are very customer friendly.

No language problem when we are communicating with the employee.

The area of the bank is very small

The location of the bank is good.

Perfect layout of the bank (short and sweet)

Sufficient number of brochures are available in the bank.

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Study on Andhra Bank

Documents

Transcript of Study on Andhra Bank