Question:

Can anybody suggest me the research objective on retail banking?

by  |  earlier

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i m planing to do retail banking as my year long project but i need some objective or sub topic on which i can carry research in retail banking

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  2. As of now, you can try some of the following things:

    a. Price Elasticity of demand. i.e, if Repo rate increases by x% then what is the effect on credit growth? Similarly, if Prime lending rate increases by y% then what is the effect on credit growth? Ideally, all the pricing variables (such as Repo rate, SLR, CRR, Bechmark rate etcc..) are to be looked at simultaneously while trying to measure the impact on credit growth.

    b.Relationship between growth of Deposits with banks and the loans given out. Further, relationships between interest rates offered on deposit and the interest rates charged on loans and other pricing variables such as Repo rate, SLR, CRR, Bechmark rate .

    c. Trying to find out the seasonality patterns in credit growth.

    The above areas deal with retail banking industry in general.

    If you have the opportunity to work on the account level data for any particular bank, then even more interesting projects can be done. To name a few:

    1. Predicting the Losses arising out of account charge-offs in the next x months.

    2. Predicting the Probability of Default for every account on the books and developing some sort of a score to explain the risk in giving out new loans to existing customers

    3. Developing some sort of an Application score to foretell the future risk of charge-off for prospective customers if booked and hence help in the decision of booking the account or rejecting the application.

    4. Developing a score to indicate the future profitability of a booked account / prospect

    5. Developing a score to identify the ease of collecting outstanding balances from an account so that the collection resources can be properly utilized

    6. Developing a Score to improve the chances of a prospective account responding to your tele-marketing call positively

    7. Identifying which of the other banking products can be cross-sold to your existing customer.

    8. Segmenting the customer base to identify the segments which will help me improve my ROE if given a marketing offer to improve their retail spend on my credit cards

    9. In the case of a home loan portfolio / auto loan portfolio, you can develop a model to calculate a probability that an existing account of yours can actually refinance his mortgage with another bank. Based on this, you can target them with an appropriate offer and retain him.

    And there are a lot more topics on which you can work.

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