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Godika Harisha H.T.NO: 2281-19-672-022: Retail Banking Home Loans AT HSBC

This document is a project report submitted by Godika Harisha to Osmania University for a Master's degree in Business Administration. The report studies retail banking home loans at HSBC bank. It includes an introduction, literature review, research methodology, theoretical framework, industry and company profile, data analysis and interpretation, findings, suggestions, and conclusion. Tables and graphs presented analyze outstanding loan amounts from 2015-2020 for housing, NRI housing, education, vehicles, mortgages, term loans, fast credit loans, gold ornament loans, and pensioner loans.

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71 views9 pages

Godika Harisha H.T.NO: 2281-19-672-022: Retail Banking Home Loans AT HSBC

This document is a project report submitted by Godika Harisha to Osmania University for a Master's degree in Business Administration. The report studies retail banking home loans at HSBC bank. It includes an introduction, literature review, research methodology, theoretical framework, industry and company profile, data analysis and interpretation, findings, suggestions, and conclusion. Tables and graphs presented analyze outstanding loan amounts from 2015-2020 for housing, NRI housing, education, vehicles, mortgages, term loans, fast credit loans, gold ornament loans, and pensioner loans.

Uploaded by

ammukhan khan
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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A STUDY REPORT

ON
RETAIL BANKING HOME LOANS
AT
HSBC
Project Report submitted in partial fulfillment for the award of
Degree of

BY
Godika Harisha
H.T.NO: 2281-19-672-022

MASTER OF BUSINESS ADMINISTRATION

ARADHANA SCHOOL OF BUSINESS MANAGEMENT


OSMANIA UNIVERSITY
Hyderabad -500007
(2019-2021)

i
ii
iii
DECLARATION

I hereby declare that this project report title “A STUDY ON RETAIL


BANKING HOME LOANS” submitted by me to the department of
business management, Osmania University, Hyderabad, is a bonafide
work undertaken by me and it is not submitted to any other university or
institution for the award of any degree Diploma/certificate or published
any time before.

Name & address of the student Signature of the student

Godika Harisha
H.T.NO: 2281-19-672-022
ARADHANA SCHOOL OF BUSINESS MANAGEMENT.

iv
ACKNOWLEDGEMENT

I take this opportunity to extend my profound thanks and deep sense of


gratitude to the authorities of HSBC and Mr. Alex Mathew, Branch
Manager, for giving me the opportunity to undertake this project work in
their esteemed organization.

My sincere thanks to Principal Dr. M. Prakash, and my project guide


M. Kranthi Kumar, Asst. Professor of Aradhana School of Business
Management for their kind encouragement and constant support
extended in completion of this project work.

From the bottom of my heart I am also thankful to all my friends of


Aradhana School of Business Management and all those who have
incidentally helped me, through their valued guidance, co-operation and
unstinted support during the course of my project.

GODIKA HARISHA

H.T.NO: 2281-19-672-022

v
ABSTRACT

Retail banking is banking in which execute transactions directly with consumers,


rather than corporations or other banks. Services offered include savings and
transactional accounts, mortgages, personal loans, debit cards, and credit cards.

Commercial bank is the term used for a normal bank to distinguish it from an
investment bank. (After the great depression, the U.S. Congress required that
banks only engage in banking activities, whereas investment banks were limited to
capital markets activities. This separation is no longer mandatory.)

Commercial bank can also refer to a bank or a division of a bank that mostly deals
with deposits and loans from corporations or large businesses, as opposed to
normal individual members of the public (retail banking). It is the most successful
department of banking.

Community development bank are regulated banks that provide financial services
and credit to underserved markets or populations. Private Banks manage the
assets of high net worth individuals. Offshore banks are banks located in
jurisdictions with low taxation and regulation. Many offshore banks are
essentially private banks.

Savings banks accept savings deposits. Postal savings banks are savings banks
associated with national postal systems. Retail Banking services are also termed
as Personal Banking service

vi
TABLE OF CONTENTS

S.NO CHAPTER NAME PAGE NO

I INTRODUCTION 01-05

II LITERATURE REVIEW 06-10

III RESEARCH METHODOLOGY 11-14

IV THEORETICAL FRAMEWORK 15-21

V INDUSTRY PROFILE & COMPANY 22-49

VI DATA ANALYSIS AND INTERPRETATION 50-61

VII FINDINGS, SUGGESTIONS & CONCLUSION 62-66

BIBLIOGRAPHY 67-69

vii
LIST OF TABLES

S.NO. PARTICULARS PAGE NO.


1 Table showing outstanding Housing Loan for the years 52
2015-2020
2 Table showing outstanding amount of NRI HOUSING 53
LOAN for the years 2015-2020
3 Table showing outstanding Educational Loan for the 54
years 2015-2020.
4 Table showing outstanding vehicle loans for the years 55
2015-2020
5 Table showing outstanding Mortgage Loan for the years 56
2015-2020
6 Table showing total advances from the year 2015-2020 57
7 Table showing term loans for the years 2015-2020 58
8 Table showing fast credit loans for the years 2015-2020 59
9 Table showing outstanding amount sanctioned for loans 60
against gold ornaments for the years 2015-2020
10 Table showing outstanding amount sanctioned for loan to 61
pensioners for the years 2015-2020

viii
LIST OF GRAPHS

S.NO. PARTICULARS PAGE NO.


1 Table showing outstanding Housing Loan for the years 52
2015-2020
2 Table showing outstanding amount of NRI HOUSING 53
LOAN for the years 2015-2020
3 Table showing outstanding Educational Loan for the years 54
2015-2020.
4 Table showing outstanding vehicle loans for the years 2015- 55
2020
5 Table showing outstanding Mortgage Loan for the years 56
2015-2020
6 Table showing total advances from the year 2015-2020 57
7 Table showing term loans for the years 2015-2020 58
8 Table showing fast credit loans for the years 2015-2020 59
9 Table showing outstanding amount sanctioned for loans 60
against gold ornaments for the years 2015-2020
10 Table showing outstanding amount sanctioned for loan to 61
pensioners for the years 2015-2020

ix

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