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INDUSTRY PROFILE
COMPANY PROFILE
COMPETITORS PROFILE
RESEARCH METHODOLOGY AND
OBJECTIVE
SWOT ANALYSIS OF BANKS
COMPARITIVE CHART
SURVEY RESULTS
STUDIES OF VARIOUS DEPARTMENTS
SUGESSTIONS & RECOMMENDATIONS
QUESTIONNAIRE
BIBLIOGRAPHY
INDUSTRY PROFILE
A HISTORICAL PERSPECTIVE
The earliest banks in India can be traced to the three presidency banks (in
Bengal, Mumbai, and Chennai) in the early 1980s. Subsequently
with the emergence of several small banks in the country, the
number of banks had gone up 105 by December by 1934. In 1921,
the three-presidency banks were merged into the imperial bank of
India, which, apart from usual commercial operations, also took
over certain central banking functions. Since the Reserve Bank of
India was established as a full fledged central bank of the
country in 1935.
NATIONALISATION OF BANKS
Despite of scheme of social control there was no significant
reorientation of lending activities of banks towards meeting the
requirements of priority sector like agriculture.
This resulted in
nationalization of 14 major commercial banks with individual deposits
exceeding Rs.50 crores in July 1969.
The major objective of nationalization were
Allahabad Bank
Andhra Bank
Bank of Baroda
Bank of India
Canara Bank
Central Bank of India
Dena Bank
Indian Bank
Indian Overseas Bank
Punjab National Bank
United Commercial Bank
Union Bank of India
Syndicate Bank
Bank of Maharashtra
SECOND NATIONALISATION
In order to move effectively, meet the growing development needs
of the economy and to promote welfare of people on the large scale
six more commercial banks with Demand and Time Liabilities
(Deposits) with 200 cr were nationalized in April 1980. With the
second nationalization, the number of public sector banks increased
to 28 (1st nationalization 14 banks, 2nd nationalization 6 bank and
SBI and its seven associate banks).
Over the years with the directional change that has occurred in the
banking system and the fact that the banks responding favorably by
evolving new strategies and innovative ideas the credit structure of
the country has become strong and steady. Recognizing the fact
that the banks are vital catalytic agents of growth that provide the
basic input of credit, new programmes with the social orientation
have been designed with a view to assist the society.
The names six banks nationalized were as under:
1.
2.
3.
4.
5.
6.
Corporation Bank
Oriental Bank of Commerce
Punjab & Sind Bank
Vijaya Bank
Andhra Bank
New bank of India
After the nationalization of major banks the position altered rapidly
and the flow of credit to the rural areas increased considerably.
Along with quantitative expansion of branch network, there were
qualitative improvements in the lending practices of the banks. The
phenomenal change in the lending practices can be termed as a
transformation from class banking to mass banking. In fact the
broader national objectives of eradication of poverty, unemployment
and growth with social justice have shaped the formulation of
various directives/ schemes.
CURRENT SCENARIO
The Indian has finally worked up to the competitive dynamics of new
Indian market and is addressing the relevant issues take on the
multifarious challenges of globalization. Banks that employ IT solutions
are perceived to be futuristic and proactive players capable of meeting
the multifarious requirement of large customer base. Private Banks
have been fast on the uptake and are reorienting their strategies using
the Internet as a medium.
The Indian banking has come from a long from being a sleepy business
institution to a highly proactive and dynamic entity this transformation
has been largely brought by the large dose of liberalization and
economic reforms that allowed exploring new business opportunities
rather than generating revenues from conventional streams.
The Indian industry has confidently hit the growth trial that pick in
activity is best reflected in the banking sector which after all is as
candid a mirror of a countrys economy as you could ever find. Most of
the Indian financial intermediaries have been keeping pace with the
deepening market economy, riding the opportunity that come along
with reforms even as they brace themselves for increased competition
both foreign and private by strengthening prudential norms and
leveraging technology to ensure that growth engine hums smoothly
along
The essential function of a bank is to provide services related to the
storing of value and the extending credit. The evolution of banking
dates back to the earliest writing, and continues in the present where
a bank is a financial institution that provides banking and other
financial services. Currently the term bank is generally understood an
institution that holds a banking license. Banking licenses are granted
by financial supervision authorities and provide rights to conduct the
most fundamental banking services such as accepting deposits and
making loans. There are also financial institutions that provide certain
banking services without meeting the legal definition of a bank, a so
called non-bank. Banks are a subset of the financial services industry.
The word bank is derived from the italian banca, which is derived from
German and means bench. The terms bankrupt and "broke" are
similarly derived from banca rotta, which refers to an out of business
bank, having its bench physically broken. Money lenders in Northern
Italy originally did business in open areas, or big open rooms, with
each lender working from his own bench or table.
Typically, a bank generates profits from transaction fees on financial
services or the interest spread on resources it holds in trust for clients
while paying them interest on the asset.
lender)
Cash checks.
Facilitate money transactions such as wire transfers and
cashiers checks
Issue credit cards, ATM, and debit cards and online banking.
Storage of valuables, particularly in a safe deposit box.
Types of banks
There are several different types of banks including:
Central banks usually control monetary policy and may be the lender
of last resort in the event of a crisis. They are often charged with
controlling the money supply, including printing paper money.
Examples of central banks are the European Central Bank and the US
Federal Reserve Bank.
Investment banks underwrite stock and bond issues and advice on
mergers. Examples of investment banks are Goldman Sachs of the
USA or Nomura Securities of Japan.
Merchant banks were traditionally banks which engaged in trade
financing. The modern definition, however, refers to banks which
provide capital to firms in the form of shares rather than loans. Unlike
Venture capital firms, they tend not to invest in new companies.
Private banks manage the assets of the very rich. An example of a
private bank is the Union Bank of Switzerland. Savings banks write
mortgages exclusively.
Offshore banks are banks located in jurisdictions with low taxation and
regulation, such as Switzerland or the Channel Islands. Many offshore
banks are essentially private banks.
Commercial banks primarily lend to businesses (corporate banking)
Retail banks primarily lend to individuals. An example of a retail bank
is Washington Mutual of the USA. Universal banks engage in several of
these activities. For example, Citigroup, a large American bank, is
involved in commercial and retail
Regulation
The combination of the instability of banks as well as their important
facilitating role in the economy led to banking being thoroughly
regulated. The amount of capital a bank is required to hold is a
function of the amount and quality of its assets. Major banks are
subject to the Basel Capital Accord promulgated by the Bank for
International Settlements. In addition, banks are usually required to
purchase deposit insurance to make sure smaller investors are not
wiped out in the event of a bank failure. Another reason banks are
thoroughly regulated is that ultimately, no government can allow the
banking system to fail. There is almost always a lender of last resort
in the event of a liquidity crisis (where short term obligations exceed
short term assets) some element of government will step in to lend
banks enough money to avoid bankruptcy.
COMPANY PROFILE
ICICI BANK
ORIGINATION
The development banking institution set up in the country, after
Industrial Finance Corporation (IFC); was the Industrial Credit
Investment Corporation of India (ICICI).
It was set up during 1955 by government of India and World Bank.
It was to be a private sector development bank in so far as there
was no participation by government in its share capital
Its main objectives when it was started were:
TRANSFORMATION
In the 1990s, ICICI transformed its business from a development
financial institution offering only project finance to a diversified
financial services group offering a wide variety of products and
services, both directly and through a number of subsidiaries and
affiliates like ICICI Bank.
It was after liberalization in 1994 that the government also allowed
private players in the banking industry
ICICI Bank was originally promoted in 1994 by ICICI Limited, an
Indian financial institution, and was its wholly-owned subsidiary.
ICICI bank was incorporated in1996 with its first branch in
CHENNAI under schedule (II) commercial banks which has given it
the right that every account holder of this bank can claim upto Rs
100000 from RBI if the bank goes into liquidation which is same in
any nationalized bank.
OVERVIEW OF BANK
ICICI Bank is India's second-largest bank with total assets of about
Rs.146,214 crore at December 31, 2004 and profit after tax of Rs.
1,391 crore in the nine months ended December 31, 2004 (Rs. 1,637
crore in fiscal 2004). ICICI Bank has a network of about 505 branches
and extension counters and about 1,850 ATMs. ICICI Bank offers a
wide range of banking products and financial services to corporate and
retail customers through a variety of delivery channels and through its
specialised subsidiaries and affiliates in the areas of investment
banking, life and non-life insurance, venture capital and asset
management. ICICI Bank set up its international banking group in
fiscal 2002 to cater to the cross-border needs of clients and leverage
on its domestic banking strengths to offer products internationally.
ICICI Bank currently has subsidiaries in the United Kingdom and
Canada, branches in Singapore and Bahrain and representative offices
in the United States, China, United Arab Emirates and Bangladesh.
ICICI Bank's equity shares are listed in India on the Stock Exchange,
Mumbai and the National Stock Exchange of India Limited and its
American Depositary Receipts (ADRs) are listed on the New York Stock
Exchange (NYSE).As required by the stock exchanges, ICICI Bank has
formulated a Code of Business Conduct and Ethics for its directors and
employees.
At October 31, 2004, ICICI Bank, with free float market capitalisation*
of about Rs. 220.00 billion (US$ 5.00 billion) ranked third amongst all
the companies listed on the Indian stock exchanges. ICICI Bank was
originally promoted in 1994 by ICICI Limited, an Indian financial
institution, and was its wholly-owned subsidiary. ICICI's shareholding
in ICICI Bank was reduced to 46% through a public offering of shares
in India in fiscal 1998, an equity offering in the form of ADRs listed on
the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of Madura
Limited in an all-stock amalgamation in fiscal 2001, and secondary
BOARD MEMBERS
Mr. N. Vaghul,
Mr. Uday M. Chitale,
Mr. P.C. Ghosh,
Dr. Satish C. Jha,
Mr. S.B. Mathur ,
Mr. L. N. Mittal ,
Mr. Anupam Puri ,
Mr. Vinod Rai ,
Mr. Somesh R. Sathe,
Mr. P.M. Sinha,
Mr. M.K. Sharma,
Prof. Marti G. Subrahmanyam,
Mr. V. Prem Watsa,
Mr. K.V. Kamath,
Ms. Lalita D. Gupte,
Ms. Kalpana Morparia,
Ms. Chanda Kochhar,
Dr. Nachiket Mor,
Chairman
Member
Member
Member
Member
Member
Member
Member
Member
Member
Member
Member
Member
MD & Chief Executive Officer
Joint Managing Director
Deputy Managing Director
Executive Director
Executive Director
Savings account
Where the liquidity is concerned the most common and basic option
offered by any bank savings account the ease with which one can
access money from this account is unparalleled
Customer deposit their personal cash to earn interest at the nominal
rate of interest its a sort of safety vault taken by customer to
keep their idle cash safely, lying with them
Debit-cum-ATM card
From ICICI bank you can withdraw money from non-based branch as
follows:SOURCE
AMOUNT
ATM
SELF CHEQUE
3rd PARTY CHEQUE
PURCHASING
25000
50000
15000
25000
TOTAL
115000
CHARGES:
Not maintaing average quaterly balance
Cheque bounces
Rs 250
Rs 200
1. Establishing a Relationship
1.1 Applicant desiring to open a Relationship needs to have a
Relationship form signed by the guardian. The guardian needs to
declare therein that he/she has agreed to abide by the rules which are
in force from time to time.
1.2 Introduction is a pre-requisite for establishing a Relationship. The
Bank may at its discretion consider valid an introduction by an existing
relationship holder. Alternatively, a proof of identity for the guardian
has to be furnished as under:
2. Operating Accounts
Relationship can be opened in the names of
2.1 A minor under guardianship.
2.2 The Bank will be sending through courier or post from time to time
to the mailing address furnished by the applicant, statements of
account, balance confirmation certificate, cheque books, various PIN
mailers and such other items. Hence, it is incumbent upon the
applicant(s) to intimate change in mailing address, if any, immediately
without any loss of time. The bank will not be responsible for any loss,
damage or consequences for wrong delivery of the above items arising
out of non-intimation of change in mailing address.
2.4 A minimum deposit is prescribed for opening any account under a
relationship. A minimum average balance during a quarter is also
required to be maintained in savings accounts. Failure to maintain the
prescribed average minimum balance will attract service charges of Rs
50 per month.
Collection facility
Cheques, drafts, bills, dividend / interest warrants and other
instruments issued in favour of customers are accepted for collection
on account holders behalf. Collection of outstation instruments entails
collection charges.The Bank has the authority to debit the accounts to
recover any amount credited erroneously. Local cheques, etc., may be
tendered for collection sufficiently early in the day as required vis-a-vis
the local clearing house timings.
Closure of Account
The Bank reserves the right to close Relationship or account(s), which
according to the Bank, is/are not conducted satisfactorily, after due
notice to the customers without assigning any reasons thereof.
PRIVATE BANKING
Comprehensive range of products and services
Dedicated Officer
Separate interaction area in the branch
Anywhere Banking facility
Exclusive Phone Banking service
Competitive Pricing
PRODUCT
SELECT
PREMIUM
WEALTH
ADVISORY
Banking
Products
Eligibility
Criteria
Rs. 50 Lacs
Family AUA
Relationship
Minimum
Balance
Requirement
Zero Balance
Zero Balance
Zero Balance
At par facility
Available
Available
Available
Personalised
Pay-in Slips
Available
Available
Available
Mobile banking
Free
Free
Free
Debit Cards
Free Photo
Signature Card
Transaction
Limits
Currently Rs.25,000
(to be increased) for
both cash withdrawal
and POS
Currently
Rs.25,000 (to
be increased)
for both cash
withdrawal and
POS
Card Re-issue
charges
Free of Charge
Free of Charge
Relationship Manager
Wealth Advisor
Private
Banking Kit
Dedicated
Resources
Service Officer at
Branches
Service Officer at
Branches
Service Officer
at Regional
Office /
Branches
Exclusive Private
Banking Call Centre
Exclusive Private
Banking Call Centre
Exclusive
Private Banking
Call Centre
(To be launched
Mobile identification
soon)
Mobile identification
Mobile
identification
Priority Queue
Priority Queue
Priority Queue
Competitive Rates
Competitive Rates
Competitive
Rates
Fee @ 0.25%
Fee @ 0.50% or Rs.
or Rs.5,000
7,500 whichever is less whichever is
less
Roll Over
Balance
Roll Over @
2.00%
Card Fees
Free
Type of Card
and Limit
ICICI Bank
HPCL ICICI Bank Solid
Solid Gold Card
Gold Card with Pre
with Pre Approved Limit of Rs.
Approved limit
3.00 lacs
of Rs. 3.00 lacs
Call Centre
Facility
Housing Loans
Credit Cards
Limit
enhancement
based on
Limit can be
enhanced to Rs
10 Lacs
documentation
Demat and
Web Trade
Demat
No annual fee
No annual fee
SALARY ACCOUNT:
ICICI Bank Salary Account is a benefit-rich payroll account for Employers and
Employees. As an organization, you can opt for our Salary Accounts to enable
easy disbursements of salaries and enjoy numerous other benefits too.
With ICICI Bank Salary Accounts your employees will enjoy the convenience of :
All you would require to do is to send ICICI Bank an advice (in form of a
cheque /debit instruction, ecs, etc) for the total salary amount along with the
salary details of the designated employees in a soft and hard copy format and we
will credit the respective employees' accounts as per your statement of advice.
ICICI Bank Salary Accounts benefits you in more than one ways:
Besides all of the above, employees will automatically become ICICI Bank
account holders with special benefits and privileges of 8-8 banking, Investment
advisory and much more...ICICI Bank also has a special offering: Defense
Banking Services designed exclusively for the armed forces.
WOMENS ACCOUNT:
Features:
The features of the account have been specially designed keeping in mind a
woman's financial requirements. These include
A) Recurring Deposits
B) Financial planning of children
C) Family Shield Insurance
In addition to these, all features of the existing bank account are available with
this account as well such as
Recurring deposit
Eligibility
Joint accounts with a woman as the first holder are also eligible for the
account
DOCUMENTATION
OR
Tier II - Proof of identity:
Passport Or Letter from existing bank Or PAN (along with self cheque drawn on
existing bank)
OR
Tier III - At least one each from List A and List B (along with self cheque drawn
on existing bank)
Ration Card
Employee ID card
Driving Licence
Salary Slip
NSC (a copy)
Voter's ID Card
FIXED DEPOSITS:
ICICI Fixed Deposit allows you just that - deposits can be opened for periods
ranging
from
15
days
to
10
years.
Traditional
Reinvestment
Minimum Balance
You can avail of ICICI Bank Fixed Deposits for a minimum deposit of
Rs 10,000 and thereafter in multiples of just Rs 1,000.
Nomination
Easy withdrawal
Under this option fixed deposit shall be linked to the debit card
directly
The debit card can be used to withdraw money from the ATM, by
breaking the FD, as and when required.
If the deposits are prematurely withdrawn, the interest rate for
the period for which deposit was with the ICICI Bank prevailing
on date of deposit made, shall be payable
Easy Loan
Benefits
Features:
Young Stars is a banking service for children, aged 1-18 years, brought
to you by ICICI Bank to help the parents meet the present and future
aspirations that they hold for their child. It offers various savings and
investment options to the parent along with teaching the child to
manage his/her personal finance in a more responsible and
independent manner.
SPECIAL OFFER:
1.
II.
Based on the prevailing rate of interest, the bank staff would then
back calculate the installments to be deposited now till maturity.
Other RD type savings options that are possible for the parent
Free Domestic Debit Card* for the child above the age of 10 years
with features as below:
a Daily withdrawals limits of Rs. 1,000/b Daily spend limits of Rs. 1,000/c Special privileges across all alliance partners' outlets.
COMPARATIVE ANALYSIS OF
THE VARIOUS BANKS FOR
SAVING ACCOUNTS
RESEARCH METHODOLOGY
PRIMARY DATA
SECONDARY APPROACH
RESEARCH DESIGN
For collecting primary data from large groups of people through the
question answer approach ir protocol process , survey method was
used to engage a person to gather substantial amount of information
from enough members of the target population so that the inductive
logic and probabilistic inferences rather than deductive reasoning can
be incorporated in understanding the relationship between desired
market factors and phenomena under investigation .
SEGMENTATION
In order to execute the summer training project , jaipur was
segmented on the basis
Geographical basis
Demographical
TARGET RESPONDENTS
FOR questionnaire no.1 (FOR BANKS)
Major Private Sector Banks like HDFC, HSBC, IDBI and selected
nationalized banks like PNB, SBI, BANK OF BARODA, and BANK OF
INDIA.
FOR questionnaire no.2 (for individual respondents)
Government executive and high profile businessman or professional
and people from high profile.
SAMPLING
To serve the objective and study the scope banks . .we have designed
two set of questionnaires
1
NATIONALIZED BANKS:
with
PRIVATE BANKS
MULTINATINATIONAL:
bank,HSBC
For the comparision of various banks we have taken a sample size
of 8 with non probability sampling
2
ICICI BANK
SWOT ANALYSIS
STRENGTHS
All the branches are interconnected which give the unique facility
of anywhere banking.
All operations of the bank are carried on with the help of
computers thus transaction are carried with greater efficiency.
WEAKNESS
OPPORTUNITIES
THREATS
Vision :
Cash Withdrawals
Balance Inquiry
Mini Statement
Cheque Book
Request Bill Payment
Report lost ATM Card and Cheque Book
Safe Deposit Lockers
Standing Instructions
SWOT ANALYSIS
STRENGTHS
Safe Deposit Lockers.
WEAKNESS
minimum balance in your account between the 10th and the last
day of the month, credited half yearly into your account
OPPORTUNITIES
THREATS
IDBI Bank
IDBI, the tenth largest development bank in the world has promoted
world class institutions in India. A few of such institutions built by IDBI
are The National Stock Exchange (NSE), The National Securities
Depository Services Ltd.(NSDL), Stock Holding Corporation of India
STRENGTHS
WEAKNESS
OPPORTUNITIES
THREATS
Bank Of India
Bank of India was founded on 7th September, 1906 by a group of
eminent businessmen from Mumbai. The Bank was under private
ownership and control till July 1969 when it was nationalised along
with 13 other banks.
Beginning with one office in Mumbai, with a paid-up capital of Rs.50
lakh and 50 employees, the Bank has made a rapid growth over the
years and blossomed into a mighty institution with a strong national
presence and sizable international operations. In business volume, the
Bank occupies a premier position among the nationalised banks
Our Mission "to provide superior, proactive banking services to niche
markets globally, while providing cost-effective, responsive services to
others in our role as a development bank, and in so doing, meet the
requirements of our stakeholders".
Our Vision "to become the bank of choice for corporates, medium
businesses and upmarket retail customers and to provide cost effective
developmental banking for small business, mass market and rural
markets"
Deposits :
Term deposit
NRI Deposit Scheme
Interest Rates
BOI Savings Plus Scheme
BOI Current Deposits Plus
Account
Foreign
Currency Deposit
Schemes Rates
Special Deposit Product
BOI Floating Deposit
Schemes
Services :
Technology Products /
Services
Govt. Relief bonds
Corporate banking
Boi bonds
SWOT ANALYSIS
STRENGTHS
This network will provide about 500 ATMs to its clients now to start
with. More Banks are likely to join the network in the next one month
and will make available about 1,200 common ATMs for all their clients.
The Bank has been the first among the nationalised banks to establish
a fully computerised branch and ATM facility
Multi Branch Banking (Anywhere Banking) service is available to
customers of networked branches of the Bank
The Bank has 2573 branches in India spread over all states/ union
territories including 93 specialised branches.
The Bank's association with the capital market. entered into an
agreement with the Bombay Stock Exchange (BSE) to manage the BSE
Clearing House
The Bank has sizable presence abroad, with a network of 21 branches
(including three representative office) at key banking and financial
centres viz. London, Newyork, Paris,Tokyo, Hong-Kong,and Singapore.
270 branches provide export credit. The expertise in this area has
enabled the Bank to achieve a leading position in providing export
credit in certain areas like diamond export
The Bank also has specialized Branches for Asset Recovery, Small
Scale Industries, Hi-tech Agriculture Finance, Lease Finance and
Treasury.
The Bank is a member of the RBI's VSAT Network and has installed 39
VSATs linking strategic branches/offices
WEAKNESS
OPPORTUNITY
THREATS
NetBanking), International Debit Card (An ATM card you can shop with all
over the country and in over 140 countries with),MobileBanking ,BillPayment
( Pay your telephone, electricity and mobilephone bills through our ATMs),
Internet, phone or mobile phone. No more standing in long queues or writing
cheques.
Loans for every need : Our loans come to you in easy-to-pay monthly
instalments, and are available with easy documentation and quick delivery,
Personal Loans(Take a loan of up to Rs. 3 lakh for a wedding, education,
purchase of a computer or an exciting holiday) ,New Car Loans and Used Car
Loans ( Finance up to 90% of the cost of a car, new or used! And the loans
come to you with easy documentation and speedy processing at attractive
interest rates),Loans Against Shares( Get an overdraft up to Rs. 10 lakh at
an attractive interest rate against physical shares, up to 50% of the market
value of your shares),Two Wheeler & Consumer Loans( To help you buy the
best durables for your home).
Mutual Funds: Apart from a wide choice of mutual funds to suit your
individual needs.
International Credit Card: Get an option of Silver, Gold, or Health Plus
Credit card, accepted worldwide from a world-class bank.
NRI Services: A comprehensive range, backed by unmatched features and
world-class service, ensures NRIs all the banking support they need.
Forex Facilities: Avail of foreign currency, travellers cheques, foreign
exchange demand drafts, to meet your travel needs.
Insurance: HDFC Bank now brings you Life Insurance and Pension Solutions
like Risk Cover Scheme, Savings Scheme, Childrens Plan and Personal Plan
from HDFC Standard Life Insurance Co. Ltd.
SWOT ANALYSIS
STRENGTHS
The HDFC Group holds 24.2% of the bank's equity while about 13.1%
of the equity is held by the depository in respect of the bank's issue of
American Depository Shares (ADS/ADR Issue)
The Bank at present has an enviable network of over
435 branches
WEAKNESS
OPPORTUNITIES
THREATS
HSBC Bank
HSBC's origins in India date back to 1853, when the Mercantile Bank of India
was established in Mumbai. The Bank has since, steadily grown in reach and
service offerings, keeping pace with the evolving banking and financial needs
of its customers. In India, the Bank offers a comprehensive suite of worldclass products and services to its corporate and commercial banking clients
as also to a fast growing personal banking customer base.
HSBC Securities and Capital Markets (India) Private Limited has two main
business lines. Its Institutional and proprietary broking business is based in
Mumbai and, has seats on two of India's premier stock exchanges, the
Bombay Stock Exchange and the National Stock Exchange. It deals in Indian
securities for both Indian and international institutions and for select retail
clients and is backed by an extensive research team. The Corporate Finance
and Advisory business, with offices in Mumbai and New Delhi, offers a full
range of integrated investment banking services in India and internationally.
SWOT ANALYSIS:
STRENGTHS
The Group provides:
Self-service banking with over 150 in-branch and off-branch ATMs and
24-hour phonebanking.
Trade and corporate banking services with real-time access to a
centralised information database
Instantaneous inter-city transactions through online connections
between all branches
A state-of-the-art treasury dealing system
A sophisticated card system supporting debit and credit cards,
domestic and international VISA, MasterCard, and co-branded cards
A dedicated acquiring system for both MasterCard and Visa
transactions
online@hsbc, HSBC's internet banking service, provides customers
with an integrated and secure platform to access their accounts.
Internet Payment Gateway handles credit card transactions on the
internet
Asset management: HSBC Asset Management (India) Private Limited
offers mutual funds to its customers. With the Group's global fund
management expertise and investment capabilities
Global Resourcing : HSBC Electronic Data Processing (India) Private
Limited, through its offices in Hyderabad, Bangalore and
Visakhapatnam provides data processing / customer service facilities
HSBC Insurance Brokers (India) Private Limited is licensed by the
Insurance Regulatory Development Authority (IRDA) to operate as a
composite insurance broking company, which will function as a direct
and a reinsurance broker
HSBC Private Equity Management (Mauritius) Limited, a subsidiary of
HSBC Private Equity (Asia) Limited in Hong Kong, has a Liaison Office
in Mumbai
HSBC has well-established, long-term corporate banking relationships
with large domestic Indian corporations and foreign multinationals
operating in India
Business Banking offers two types of account to small and mediumsized businesses - The Business Account and the BusinessVantage
Account
WEAKNESS
Its branches are at very few places its branch network in Ahmedabad,
Bangalore, Chennai, Chandigarh, Coimbatore, Gurgaon, Hyderabad,
Jaipur, Kochi, Kolkata, Ludhiana, Mumbai, New Delhi, Noida, Pune,
Thane, Trivandrum and Visakhapatnam.
HSBC's origins in India date back to 1853, when the Mercantile Bank
of India was established in Mumbai still the bank lag behind the major
Indian banks
The bank appeal to maximum number of higher class customers
No penetration in rural sector in India
Only one main branch and atm in jaipur
Higher minimum balance to be maintained in savings account i.e
25000 AQB
OPPORTUNITIES
THREATS
SWOT ANALYSIS
STRENGTHS
WEAKNESSES
OPPORTUNITIES
THREATS
SWOT ANALYSIS
STRENGTHS
The Bank is giving thrust on fee-based income and relatively safe high
yielding advances like Trade advances, Personal segment advances and
Agricultural advances
The Bank provides Demat Services and Trusteeship for debenture
holders to increase its fee-based income
The Bank is planning to introduce Cash Management Services, for the
benefit of corporate customers.
WEAKNESS
OPPORTUNITY
THREATS
RECOMMENDATIONS
STRATEGY TO COMBAT COMPETITION
Strategy for Schools and colleges
Strategy to be followed:
ICICI BANK should contact their association heads seek to sponsor their
meetings.
Provide personal loans to shopkeepers
Due to the potential offered by this industry the new ATM of the bank must
be installed in the area nearing this industry.
QUESTIONNAIRE 1
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
QUESTIONNAIRE 2
CRITERIA
RANKS
1
ACCOUNTS MAINTAINED
CUSTOMER RELATION
BANKS REPUTATION
CONVIENIENCE OF
LOCATION
QUALITY OF SERVICE
Youth
Young Couple
Family
Relaxed