Hello blog readers.Good Morning. My name is Rahul chandra. This is our(me and my friend Vara Prasad) first experience in SBH(KENGERI) bank after Demonetization

The bank is in the entrance of the satellite town,Kengeri,Bengaluru.There is also an ATM Facility. We visited the branch for withdrawal of money at 12pm. There was  huge crowd on that day because of the demonetization effect. Then we came to know by accountant saying that withdrawals are after 2pm.We came to our room back and visited the bank at 2pm

The bank was filled with huge crowd even at 2pm. Then  the bank accountant gave us the tokens our token number was 24. Though it has 3 cabins our transaction was not done by 3pm as Deposits and Withdrawals are done from the same cabin

The Infrastructure of the bank is good 

  

  Despite with good infrastructure and proper seating arrangement, people had been faced some problems with respect to the following

OPERATIONAL ISSUES

S.No	ISSUES	OBSERVATION
1.	Server problem	No proper Internet
2.	Waiting Line	People are waiting for longer durations
3.	Parking	No Four Wheeler Parking
4.	Money	Money was not frequently available during Demonetization

         These are some of the issues faced on that day.


Coming to the employees there were 4 employees (excluding Security guard)

·         1 Head Cashier

·         1 Accountant

·         1 For Pass Book Updating

·         1 Manager

Some of the Products/Services offered by this branch are as follows
 

·         DEBIT CARD

·         CREDIT CARD

·         MUTUAL FUNDS

·         FIXED DEPOSITS

·         CHEQUE COLLECTION POLICY

·         ELECTRONIC FUND  TRANSFER SYSTEM

·         SAFE DEPOSIT LOCKERS

·         NET BANKING

·         SECURITIES

·         EDUCATION AND HOUSE LOANS 

• As it was suffering with Technical issues the other branches which succeeded in that area gained   proper relation with the customers(GOOD CRM)by which the other banks served as a competition to the SBH bank 

      SOME OF THE COMPETITORS OF KENGERI LOCATION ARE AS FOLLOWS

·         HDFC

·         KOTAK MAHINDRA

·         KARNATAKA BANK

·         AXIS BANK

·         VIJAYA BANK

•  The other banks followed different Cabins for Deposits and Withdrawals where SBH lacked but the main advantage was the bank was a bit big in dimensions by which we felt free on that exhausting day.
• The bank was around 1200sqft 

Finally at the end of that day we withdrawn  our amount @3.45pm.Though it was an exhausting day in the bank we had a good exposure of How the banks able to manage and operate in the critical times and in this Area SBH managed to operate with Patience by which the day went on peacefully.