Financial Services

PRESENTED BY:
VI JAYKUMAR
ZARAR
RAJESHWARI
ANOOSHA
SECTORAL ANALYSIS
FINANCIAL SERVICES
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Jain College , MBA II Semester ( Sectoral Analysis)
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Services or the tertiary sector of the economy
covers a wide variety of activities such as trading,
banking and finance.

The financial service sector include broking firms,
investment services, private banks, mutual funds,
car loans , home loans, and Equity market.

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Meaning
Financial services can be defined as the products and
services offered by institutions like banks of various kinds
for the facilitation of various financial transactions and
other related activities in the world of finance like loans,
insurance, credit cards, investment opportunities and
money management as well as providing information on
the stock market and other issues like market trends.

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The History of Financial Services

The term "financial services" became more prevalent in the United States partly
as a result of the Gramm-Leach-Bliley of the late 1990s, which enabled
different types of companies operating in the U.S. financial services industry at
that time to merge.
Companies usually have two distinct approaches to this new type of business.
One approach would be a bank which simply buys an insurance company or an
investment bank, keeps the original brand of the acquired firm, and adds
the acquisition to its holding company simply to diversify its earnings.
Outside the U.S. non-financial services companies are permitted within the
holding company. In this scenario, each company still looks independent, and
has its own customers, etc.
In the other style, a bank would simply create its own brokerage division or
insurance division and attempt to sell those products to its own existing
customers, with incentives for combining all things with one company.
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Characteristics and Features of
Financial Services
Customer-Specific: Financial services are usually customer focused.
The firms providing these services, study the needs of their customers in
detail before deciding their financial strategy, giving due regard to costs,
liquidity and maturity considerations.
Intangibility: In a highly competitive global environment brand image is
very crucial. Unless the financial institutions providing financial products
and services have good image, enjoying the confidence of their clients,
they may not be successful. Thus institutions have to focus on the quality
and innovativeness of their services to build up their credibility.

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Cont
Tendency to Perish: Unlike any other service,
financial services do tend to perish and hence cannot
be stored. They have to be supplied as required by the
customers. Hence financial institutions have to ensure
a proper synchronization of demand and supply.
People Based Services: Marketing of financial
services has to be people intensive and hence its
subjected to variability of performance or quality of
service. The personnel in financial services
organisation need to be selected on the basis of their
suitability and trained properly, so that they can
perform their activities efficiently and effectively.

6
Cont
Market Dynamics: The market dynamics depends to a
great extent, on socioeconomic changes such as disposable
income, standard of living and educational changes related
to the various classes of customers. Therefore financial
services have to be constantly redefined and refined taking
into consideration the market dynamics. The institutions
providing financial services, while evolving new services
could be proactive in visualizing in advance what the
market wants, or being reactive to the needs and wants of
their customers.

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FINANCIAL SERVICE
Traditional
Fund based
Lending
Underwriting
Leasing
Insurance
Foreign
exchange
Bill discounting
Fe-Based
Port-folio
Management
Stock Brokings
Capital Issue

Modern
Depositories
Credit rating
Risk management
Venture capital
Merchant banking
Mutual funds
Factoring
Credit cards
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Contribution to GDP
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49.4 Percent share in GDP
Growth by 10 percent annually
Contributing to about a quarter of total
employment.
Accounting for a high share in foreign direct
investment(FDI) inflows and over one-third of total
exports.

Cont..
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Indian gross national savings stood at US$ 569 billion in
2011 and are expected to touch US$ 1,413 billion mark by
2017.
Total asset under management (AUM) of the mutual fund
industry have clocked a compound annual growth rate
(CAGR) of 15.6 per cent over the period FY07-12 to reach US$
138 billion.
Over 90 per cent of household savings are invested in bank
deposits and only 10 per cent in other financial asset classes.
Innovative and customised products are expected to shift
bank deposits to these asset classes.
The quantum of savings that Indians are making is set to
present immense opportunities for financial intermediaries to
move savings to more productive channels.

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COMPANY ANALYSIS
MOTILAL OSWAL SECURITIES LTD.(MOSL)
Motilal Oswal Securities Ltd. (MOSL) was founded in
1987 as a small sub-broking unit, with just two people
running the show. Focus on customer-first attitude,
ethical and transparent business practices, respect for
professionalism, research-based value investing and
implementation of cutting-edge technology have enabled
us to blossom into an over 1500 member team.
The company is a well diversified financial services firm
offering a range of financial products and services such
as Private Wealth Management, Reatial Broking and
Distrubition, Institutional Broking, Asset Management ,
Investment Banking, Private Equity, Commodity
Broking, Currency Broking and Principal Strategies.

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Cont
The company is a diversified client base that includes
retail customers (including High Net worth
Individuals), mutual funds, foreign institutional
investors, financial institutions and corporate
clients. We are headquartered in Mumbai and as
of December 31, 2013, had a network spread over 519
cities and towns comprising 1546 Business Locations
operated by our Business Partners and us. As on
December 31st, 2013, we had 792,858 registered
customers.

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Cont
Research is the solid foundation on which Motilal Oswal
Securities advice is based. Almost 10% of revenue is
invested on equity research and we hire and train the
best resources to become our advisors. At present we
have an expert team of Research Analysts researching
25+ sectors and commodities. From a fundamental,
technical and derivatives research perspective, Motilal
Oswal`s research reports have received wide coverage in
the media. Our consistent efforts towards quality equity
research have reflected in an increase in the ratings and
rankings across various categories in the AsiaMoney
Brokers Poll over the years.

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BUSINESSES OF MOSL
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PRODUCTS AND SERVICES

EQUITY AND DERIVATIVES-

Client Mapping & Profiling
Technology Enabled Personalized Servicing
Research Based Advisory to Time Entry & Exits
Investment & Trading Portfolio Allocation
Portfolio Tracking & Review

Private Wealth Management
Customized Financial Strategy
Privileged Access to Institutional Capabilities
Tailor Account Structures
Investment Banking Services
Relationship Measurement Benchmarks
Institutional Research
Personalized Investment Strategies
Credit Solutions

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PRODUCTS AND SERVICES OF MOSL
Loan Against Shares and Securities
Loan Against Securities (LAS) is getting instant liquidity from your
investment without selling them. All you have to do is pledge your
securities in favour of Motilal Oswal Financial Services Limited
(MOFSL). This enables you to enjoy all corporate benefits accrued
on your securities and still avail loan against them. No EMI or
prepayment charges applicable. Interest will be charged only on the
actual amount and that too for the time it is utilised.

Insurance Solutions
Risk Management is a keyword today and is part of every aspect of
life be it corporate strategies, lending, treasury management,
wealth management, etc. Managing Risks, especially financial risk
for an individual (under the Wealth Management umbrella) is of
utmost importance which is done through Insurance.

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Portfolio Management Services

Value Strategy: The Value Strategy aims to benefit from the long term
compounding effect on investments done in good businesses, run by great business
managers for superior wealth creation.
Next Trillion Dollar Opportunity Strategy: The Next Trillion Dollar

Opportunity Strategy aims to deliver superior returns by investing in focused
themes which are part of the next Trillion Dollar GDP growth opportunity. It aims
to predominantly invest in Small & Mid Cap stocks with a focus on Identifying
Emerging Stocks/Sectors.
Bull`s Eye Strategy: Bulls Eye PMS Strategy is designed to invest in stocks with
short-medium term perspective. The investment philosophy is to find Momentum
in Value. It follows an active process driven method of profit booking .The Strategy
aims to buy stocks ahead of the window when positive corporate developments
occur /when valuation gaps open up & sell when the target price of stock is reached
or prices stagnate.
Focused 5- A Contra Strategy: The strategy aims to invest in fundamentally

sound companies that can benefit from changes in a companys valuation which
reflects a significant change in the markets view of the company over an horizon of
three years. The Contra Strategy focuses on investing in stocks that can benefit from
growth in earnings, re-rating of business or higher valuation of assets.

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MUTUAL FUNDS

MOTILAL OSWAL MOST SHARES M50 (MOST SHARES M50)
Indias 1
st
fundamentally weighted ETF based on S&P CNX Nifty Index (Nifty50).
The MOSt Shares M50 is an open ended fundamentally weighted ETF that seeks
investment return that corresponds (before fees and expenses) to the performance
of the MOSt 50 Basket, subject to tracking error. It`s a first of its kind of ETF in
India that combines the benefits of fundamentals based investing and rational
execution.
Motilal Oswal MOSt Shares Midcap 100 (MOSt Shares Midcap 100)
Indias 1st Midcap ETF; Based on CNX Midcap Index. The MOSt Shares Midcap
100 is an open ended Index Exchange Traded Fund that seeks investment results
that correspond generally to the price performance, before fees and expenses, of the
CNX Midcap Index.
Motilal Oswal MOSt Shares NASDAQ 100 (MOSt Shares NASDAQ 100)
Indias 1
st
US Equity based ETF tracking the NASDAQ-100 Index. The MOSt Shares
NASDAQ 100 is an open ended Index Exchange Traded Fund that seeks investment
return that corresponds (before fees and expenses) generally to the performance of
the NASDAQ-100 Index, subject to tracking error. The Scheme will invest in the
securities which are constituents of NASDAQ100 Index in the same proportion as
in the Index.

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DP account is now a must for each and every participant
in the stock market, whether he is trader or an investor;
whether he believes in fundamentals or in technical.
In the times of T+2 having a demat account linked to
your trading account becomes really convenient. The
non-trading clients can also avail of Motilal Oswal
Depository Services
Today Motilal Oswal Depository Services is available at
all business locations of Motilal Oswal. In terms of
number of accounts Motilal Oswal Depository Services is
the second biggest Depository Participant in CDSL with
over 6,00,000 accounts. The trust they have in Motilal
Oswal is reflected by their cumulative holding valuation
of Rs. 11,500 crores

DEPOSITORY SERVICES
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BUSINESS SNAPSHOT
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PERFORMANCE AT GLANCE
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Jain College , MBA II Semester ( Sectoral
Analysis)
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Analysis)
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Analysis)
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Analysis)
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Analysis)
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Analysis)
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Analysis)
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Analysis)
Market Analysis
Analysis)
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VWAP 90.87
Face Value 1.00
Traded Volume (shares) 9,322
Traded Value (lacs) 8.47
Free Float Market Cap(Crs) 259.85
52 week high 108.00

(09-JAN-14)

Cont
Analysis)
34
Closed 91.15
Percentage change 0.80 0.89%
Pr. Close
90.35
Open
92.00
High
92.00

Comparision with peers
Analysis)
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Symbol MOTILALOFS L&TFH MCX CRISIL NSIL
Face Value 1.00 10.00 10.00 1.00 10.00
LTP 91.15 77.60 520.65 1,191.00 589.10
% change 0.89 -0.64 -4.13 1.20 -0.65
Traded Value 8.47 3,230.29 7,967.88 256.02 0.42
Traded Volume 9,322 41,13,965 15,12,821 21,620 72
VWAP 90.87 78.52 526.69 1,184.17 577.70
SKILLS REQUIRED IN FINANCIAL SERVICES

Required Education:
Bachelors and 0+ year(s) related experience
Required Skills:
Bachelors degree in a business discipline;
Good communication, analytical, and planning
skills; Relationship-Management Skills
Problem-Solving Skills
Project Management Ability, Organizational Skills and
Attention to Detail

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FICCI (Federation of Indian
Chambers of Commerce and
Industry )

FICCI SURVEY ON EMERGING SKILL SHORTAGES IN INDUSTRY
To get an impressionistic picture of the trades and professions, across different
industries, where the demand supply gaps are huge and rising, FICCI conducted a
quick survey.

Based on the feedback received from individual companies as well as industry
associations FICCI has identified 20 sectors, which deserve immediate attention in
terms of promoting skill development and meeting industry requirement.

BANKING AND FINANCE
SKILL GAP AREAS : Risk management professionals, IT professionals, security
management, delivery channel, Forex / Treasury management professionals, Credit operations
professionals, Insurance professionals, Financial analysts, Wealth managers
INDUSTRY COMMENTS/SUGGESTIONS
Responses received from companies from the banking and finance sector show that
in the year 2006 companies faced an acute shortage in several professional categories
Risk managers Shortage to the extent of 90%
IT professionals Shortage to the extent of 65%
Treasury managers Shortage to the extent of 50%
Credit operations professionals Shortage to the extent of 75%
Financial analysts Shortage to the extent of 80%
Wealth managers Shortage to the extent of 80%
Economic and Planning analysts Shortage to the extent of 80%
REFERENCES
WWW. MOTILAL
WWW.NSEINDIA.COM
WWW.BSEINDIA.COM

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PRESENTED BY:

EQUITY AND DERIVATIVES-

Next Trillion Dollar Opportunity Strategy: The Next Trillion Dollar

Focused 5- A Contra Strategy: The strategy aims to invest in fundamentally

Face Value 1.00

Traded Volume (shares) 9,322

Traded Value (lacs) 8.47

Free Float Market Cap(Crs) 259.85

52 week high 108.00

Percentage change 0.80 0.89%

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