Banking Sector

Introduction:

Banking in India originated in the last decades of the 18th century. The first banks were Bank of Hindustan (1770-18 !" and The #eneral Bank of India$ established 178%. The largest bank$ and the oldest still in e&istence$ is the 'tate Bank of India$ which originated in the Bank of (alcutta in )une 180%$ which al*ost i**ediately beca*e the Bank of Bengal. Banking 'ector in India has always been one of the *ost +referred a,enues of e*+loy*ent. -s +er .c /insey re+ort 0India Banking 0101$ the banking sector grown u+ at co*+ounded annual growth rate 213 since 001. It is +ro4ected that the sector has the +otential to account for o,er 7.7 +er cent of #56 with o,er 7s.7$ 200 billion in *arket ca+$ and to +ro,ide o,er 1.2 *illion 4obs.
Today, banks have diversified their activities and are getting into new products and services that include opportunities in credit cards, consumer finance, wealth management, life and general insurance, investment banking, mutual funds, pension fund regulation, stock broking services, custodian services, private equity, etc.

1. www.sbi.co.in 2. www.hdfc.com 3. www.bankofbaroda.co.in 4. www.axisbank.com Key audience: 1. 'tudents . 8orking 6eo+le i.e. 9or ta& +ay*ent$ ,arieties of :oans ;. <,ery educated +erson e&ce+t children

1. Key Attribute

issimi!arity issimi!arity &a!! for ser'ice as (er needs *eward +oints he!(s in (urchase Ada(tabi!ity ,ocation -et Secure "n!ine com(!aint SBI ) B"B ) A#IS ) $ %& 6ersonal loan call by e&+ert 1000 reward +oints on credit card = 5ebit (ard ) countries other than India >se it with '.'$ 1- touch and web +in and de*o also a,ailable ) ) ) ) )

) (usto*ers can change site in Hindi language 1; countries

) (hange site in Hindi language ) )

9acility a,ailable

Simi!arity Bulletins for any kind of infor*ation regarding :oans$ +ay*ents etc are a,ailable on e,ery site

. They use websites for the following reasons

.S+ /S(ecia! %eatures0

SBI

B"B

A#IS

$ %&

?ideo on de*and on 6ress = -nalyst .eet

@nline :oan -++lication = Tracking 6ut online (o*+laint facility

Aet secure 9acility

'a*+oorn Bharosha #old :oan '+ecial @ffers 6ro,iding :earning (entre about credit card$ Borrowings etc.

-,ail -'B-(Applications
Supported by Blocked Amount"

#i,es big dis+lay for young bankers in the websites

facility A'< *arket tracker <dge loyalty rewards for the aBc holders 6artici+ating in the natural disaster and a++ealed to the custo*ers to donate through 6ro,ide :oans e&+ert on call on de*and 7eward syste* on debit and credit card that hel+s in +urchasing

1; countries a,ailability

5istribute for the girls education +osted on the website

(alculator for loans = sa,ings

websites that *akes the bank$ the +art of India

goods.

3. Content & Services &ontent 1 Ser'ices SBI 'er,icesC 1.'BI e- 9ile Ser'ices .-,ail -'B;.Infor*ations B"B Services: 1.-'B-(I6@B96@" .@nline (o*+laint('6#7'" ;.A'< *arket Tracker D.'.< banking A#IS Services: 1.'+eed Banking .<-state*ent ;.Bank on 6hone D.-&is securities and *utual fund facilities are attached with the websites $ %& Services: 1 .I*+ortant *essage . :atest Aews ;.:oan eligibility check D.Instant (all Back 2. :earning (entre %.'*art Buy offer 7.Aorton 'ecured

&ontent

1.6ersonal Banking .-gricultural ;.#o,t. Business D. '.<

1. 8holesale Banking .8ealth .anage*ent ;.(66( 6ension D.7esults of B@B e&a*s

1. Eoung Bankers . 6roducts

1@nline 'er,ices . -ccounts 5e+osits ;. 8ays to Bank

4. What should be the structure of the content of the sit

Structure of the content 6roduct (7ange"

'BI :oan(for students$ Business *an$ 9ar*ers etc" 'BI e-ta& 5e*at 'er,ices 5e+osits 6roducts 8orking ca+ital finance <Fui+*ent :easing

B@B Baroda Health 6re+aid cards 5e+osit :oan ,arieties Baroda 'ho++e (66( +ension

H59( :oan 5e+osit In,est*ent 6roducts A7< sa,ing -Bc

-&is -ccounts 5e+osits <dge loyalty 7ewards 9ore& In,est*ent Insurance

'tyle tone ((olor"

8ebsite using :ight Blue and Aa,y Blue color in the website :ogo is also in 5ark Blue color They +refer blue color in the site

:ight 7ed color with white co*bination creates irritation while ,iewing the website It *ay ha*+er the eye site.

Blue color with white co*bination Guite ,isible and without any irritation They also used 7ed color so*ewhere that looks attracti,e without any eye sight +roble* 0 seconds *ini*u* is reFuired to o+en a aBc for* to download or fill it u+ '+eed is good

5ark 7ed color with the co*bination of light 7ed look good but so*e ti*es it es+ecially in dark or se*i dark roo* it affects the eye sight.

6erfor*ance

9ast s+eed to ,iew any to+ics It de+ends on the *obile network In case of downloading for*s it takes at least 2-;0

#ood s+eed to ,iew any *aterials but takes ti*e while downloading the for*s regarding :oans etc. It takes at least ;0-;2 seconds to o+en a

12 -18 seconds taken by the sites to o+en the downloading files '+eed is *uch better than other websites

seconds to

+df file download . !he "arketin# $utcomes% What &e like to deliver

SB' Bank

()s )roductC 5e+osit 'che*es -gricultural Banking .erchant Banking Trade 9inance .obile Banking -T. 'er,ices 'BI e-Ta&

Ss Save: It takes less ti*e to o+en relati,e sites so it sa,es ti*e

)rice:

Serve: :ots of infor*ation on the websites front +age that shows it take care of the need of the custo*ers Si**le: .ost of the infor*ation a,ailable on the first +age of the website that hel+s the custo*ers not to harsh *ore in finding relati,e content

)lace: 'BI bank is in 1; countries that why if one can a++ly for the online loans can easily access the branch also *ost +art of the world

)romotion: Through social Sell: -ll kinds of 9inancial networking website$ +roducts a,ailable on the so*eti*es on T? websites to sell

Speak: #i,e all kind of infor*ation and if there is any changes then it is also a,ailable instantly on

website

B$B Bank

()s+ )roducts: 8holesale Banking 7ural Banking 8ealth .anage*ent

Ss Save: :east websites ti*e to ,iew

But website color is light that +ersonally irritates *e 'o it is not con,enient to stay to the website for long. Serve: .ini*u* icons with *any ani*ations that *akes website attracti,e and ser,e in a better way Si**le: -ll i*+ortant icons s+ecially for working +eo+le are a,ailable on the front websites that shows that they identify the needs of the custo*ers

)rice:

)lace: world wide website can be access fro* any where but In case of loan that to be a++ro,ed only +ossible in India

)romotion: Through social Sell: -ll kinds of 9inancial networking website$ so*eti*es +roducts a,ailable on the on T? websites to sell Speak: #i,es all kind of infor*ation = hel+ in searching what we want to search

A,is Bank

()s
)roduct: -ccount

Ss
Save: It takes hardly 0seconds to o+en. 12-

5e+osit 9ore& In,est*ent 'afe 5e+osit :ocker

)rice:

>sing :ight = 5ark 7ed color that looks attracti,e.

Serve: .ini*u* icons with *any ani*ations that *akes website attracti,e and ser,e in a better way. 6ut e*+hasis on -&is career +rogra*e

)lace: 6hysical Bank a,ailable Si**le: -ll i*+ortant icons only in ; countries and 8orld s+ecially for working +eo+le are wide access a,ailable on the front websites that shows that they identify the needs of the custo*ers )romotion: Through social Sell: -ll kinds of 9inancial networking website$ so*eti*es +roducts a,ailable on the on T? websites to sell Speak: whate,er needed all +resent on the website

-./C Bank

( )s
)roduct: :oans (ard In,est*ent 6ri,ate Banking 6re*iu* Banking )rice:

Ss
Save: It takes hardly 2seconds to o+en. 0-

The website use dark blue color with white co*bination.

Serve: .any rele,ant icons a,ailable on websites that hel+s custo*ers to find the rele,ant infor*ation without any delay.

)laceC :ocation only in India but Si**le: .ost of the infor*ation one can access fro* any where a,ailable on the first +age of the website that hel+s the custo*ers not to harsh *ore in finding relati,e content )romotion: -oardin#s% !0 ads% Sell: -ll kinds of 9inancial +roducts a,ailable on the websites to sell Speak: whate,er needed all +resent on the website

Social 1et&orkin# Sites

7eco**endationC 1. #old +rice +er 10 g* should be gi,en on front +age of website . .usic starts while o+ening Bank of Baroda that irritates should be sto+

;. Interest rate regarding ,arious loans should be +ublished on the front +age of 8ebsite as like -&is Bank

(onclusionC 9ro* this analysis I found that each and e,ery website has their own s+ecific features that *ake that website *ore i*+ortant in co*+arison to the others. :ikeC SB'1. -,ailable in 1; countries . ?ideo on de*and of 6ress = -nalyst *eet -./C2 1. :earning (entre . 7eward 6oint B$B1. A'< .arket Tracker . :oan = 'a,ings (alculator A3'S2

1. Aet 'ecure 9acility . .ostly focus on young bankers

These >'6 hel+ the banks to acFuire the custo*ers.