PRESENTED BY,

PRANJALI MILIND BHANDARE

ROLL NO : 17005

UNDER THE GUIDANCE OF

DR.SWATI PADOSHI
INTRODUCTION
This project is all about customer Risk Management in banking
sector. The aim behind this project to find out the risk associated
with the banking systems towards its customer. Risks may be
defined as uncertainties resulting in adverse outcome, adverse in
relation to planned objective or expectations. Here in this project I
have tried to study the risk which is normally related to the
customers while doing banking operations. Here I also focused on
how bank avoid the customer risk i.e. the fraud made by the
customers. Public Banks follows the rules and regulations made by
the RBI to minimize the customer risk.
 The logo of Dena Bank depicts Goddess Lakshmi, the Goddess of
Wealth, according to Hindu mythology. It was the desire of the
founding fathers of the Bank that the Bank should be a symbol of
prosperity for all its clients, and the logo represents this promise. The
contemporary 'D' in the logo reflects the dynamism, dedication and
the drive towards customer satisfaction.
 Dena Bank was founded on 26th May, 1938 by the family of Devkaran
Nanjee under the name Devkaran Nanjee Banking Company Ltd. It
became a Public Ltd. Company in December 1939 and later the name
was changed to Dena Bank Ltd. In July 1969 Dena Bank Ltd. along with
13 other major banks was nationalized and is now a Public Sector Bank
constituted under the Banking Companies (Acquisition & Transfer of
Undertakings) Act, 1970. Under the provisions of the Banking
Regulations Act 1949, in addition to the business of banking, the Bank
can undertake other business as specified in Section 6 of the Banking
Regulations Act, 1949.
OBJECTIVES
 To study and understand customer risk management
in banking sector with special reference to DENA
BANK CHEMBUR BRANCH.
 To study methodology adopted for risk category of
customer viz. High, Medium, and Low.
 To prevent criminal elements from using the Bank for
Money Laundering Activities.
 To analysis the profile of the customer based on the
Business activity, Demography, Age, Social and
financial status etc.
RESEARCH Methodology

 PRIMARY DATA
 SECONDARY DATA
If bank follows proper rules and regulation of RBI then risk of customer fraud by the
customer will minimize.

 To this project came to know have bank categories customer at different risk level and
prevent the Criminal/ Terrorist Using the banking channel for Money Laundering
Activity.

To this project came to know have bank Customer Master Maintance.

To this project came to know have to (HCIF ) CUSTOMER INFORMATION FILE. This
is nothing but kind of information portal which related to Customer information like
risk and document i.e proof of legal name and proof of current address for individual
and for other current account ,trust, etc.
 Proper understanding of risk categorization Customer and Bank.
 Database requirement to maintain at branch level As part of customer diligence
measure.
 I got an insight about the analysis followed by the branch officer For classifications of
The directives gives by the Reserve Bank of India For
categorizations of the customer and KYC Anti Money
Laundering policy how to be implemented by the branch in letter
and Spirit ,So that the public money is used for the Welfare of the
economy and occurrence Of illegal Activities viz terrorist
/gambling etc. reduced.