GENERATION GAP!!

Presented By Group 1
Minu, Krithika, Rahul, Suraj & Ajith
Emergence of Banks
 Banco di San Giorgio in 1407 at Genova, Italy
 Lending and accepting deposits
Banking Functions

 Issue of money in terms of bank notes

 Netting and settlement of payments

 Credit intermediation
JOB PROFILE OF BANKER
 Business Analyst
 Cash Management Operations.

 Corporate Banking Credit Analyst.

 Customer Support Manager

 Relationship Manager

 Credit Risk Analyst.

 Market Risk – Manager

 Investment Banking - Manager

 Business Analyst

a) Global Banking Markets

b) Capital Market
FEATURES OF NEW GENERATION
BANKING
Channel Amplification
 Better Communication
 Better Mobility
 Better Customer insight
 Magnifying existing channel offerings
a) ATM
b) Kiosks
c) Mobile banking
Innovative Channels in Banking
Blog

1. Strategic CRM component and useful for

external and internal communication
2. Designing marketing campaigns and customer
support
3. Bank of America use Twitter to solve customer
service problems
4. Bank of Nova Scotia has launched a social
networking initiative for interacting with clients
Face Book

1. 13% of the Face book users are interested in

accessing their bank balance in Face Book.
2. Financial Services like
a) Lending Club’s person to person loan market
place
b) Wesabe’s personal financial groups
c) Pay me, a payment service
Where New Generations make Difference
 Reaching new markets by attracting and
retaining customers from a broader base of the
population
 Enhance the banking experience for current
customers by offering accessible services

1. Banks bring sharp focus on gaining business

advantage from accessibility investments and
transform to an on demand business
2. 24 * 7 in person, over the phone, online
Cont…
 Virtual room meeting for consultancy for services
 M- Payments

 E-Payments

 E- Billing

 E- Invoicing
The Drivers in New Generation Banking
 Increase customer base by reaching out to new
target segment
 Improved customer experience

 Innovative technologies
Simplified Banking
 More Choices in terms of products
 Simplified Banking forms and procedures
 Prompt services & alert through multiple channels
 Zero tolerance to hidden charges and fees
 Consolidated view of account relationship
 Why Generation Gap??
 Banking services that are affordable, straight
forward and convenient
 Credit card or Bank Account – should be “Cool”
Strengths of new generation
 Rapid Growth – Axis Bank growth rate 49.85%
 Low NPA Levels
 High CASA Ratio
 Multiple sources of fee based income – Selling
of third party products mutual funds, insurance
and gold coins
 Strong Management
 Capital Adequacy
THANK YOU !!

Presented By Group 1
Minu, Krithika, Rahul, Suraj & Ajith