Know About Bank Details

Banks Details upto the year 2010
•
•
• Axis Bank
Axis Bank, previously known as UTI Bank, is one of the Big Four Banks of India along with State
Bank of India, HDFC Bank and ICICI Bank. Established in 1994, it's the first of the new private
sector banks in India to start its operations, when Government of India opened the gate for the
private banks to flock into the Indian financial market. Though the bank started its operation with
the name UTI Bank, but later, in order to avoid ambiguities and confusion with other discrete
entities carrying the same name, it changed its name to its current form (Axis Bank) in April
2007.
Axis Bank Limited recorded a total income of Rs. 13,745.04 crore as on the year ended March 31,
2009. It also made a net profit of Rs. 1,812.93 crore in the same financial year.
Joint Promotion
Axis Bank was jointly promoted by the following:
• Unit Trust of India (UTI-I)
• Life Insurance Corporation of India (LIC)
• General Insurance Corporation Ltd.
• National Insurance Company Ltd.
• The New India Assurance Company
• The Oriental Insurance Corporation
• United Insurance Company Ltd.
Axis Bank has its registered office at Ahmedabad, while its central office is located at Mumbai.
Currently it has an extensive network of over 905 branches across the nation. It also has a
network of more than 3894 ATMs.
• Axis Bank branches
• Axis Bank loans
• Axis Bank Internet Banking
Offerings
Axis Bank offers a range of financial products and services to its clients throughout the country. It
also has special strength in retail and corporate banking. Axis Bank offers following services:
• Personal Banking
• Corporate Banking
• NRI
• Priority Banking
Personal Banking
The Personal Banking of Axis Bank includes following services:
• Accounts
o Zero Balance Savings Account
o Krishi Savings Account
o EasyAccess Savings Account
o Prime Savings Account
o Corporate Salary Account
o Women's Savings Account
o Demat Account
o Senior Citizen's Account
o Defence salary Account
o Trust/NGO Savings Account
o RFC(D) Account
o Azzadi - No Frills
o Pension Savings Account
• Deposits
o Fixed Deposits
o Recurring Deposits
o Encash 24
o Tax Saver Fixed Deposit
• Loans
o Home Loan
o Car Loan
o Personal Loan
o Loan Against Shares
o Loan Against Property
o Loan Against Security
o Study Loan
o Consumer Loan
• Cards
o Credit Cards
o Debit Cards
o Prepaid Cards
• Investments
o Mohur Gold
o Online Trading
o Mutual Funds
o Demat Account
o A Smile Solution
o Kal Bhi, Aaj Bhi
• Insurance
o Life Insurance
 Life Insurance Products
 5 For Life
o Health Insurance
 Family Health
 Silver Health
o Motor Insurance
o Jewellery Insurance
o Personal Accident
 Safe Guard
o Home
 Safe Home
 Safe Home Plus
o Travel Companion
o Critical Illness
o Business advantage
• Payments
o Bill Pay
o Electronic Clearing Service
o Tax Payments
 Tax e-Payments
 Direct Tax Payments
 Pension Disbursement
• Other Services
o Mobile Refill
o Locker
o Online Shopping
o IPOSmart
o E-Statement
Corporate Banking
Following services are offered by Axis Bank under Corporate Banking:
• Accounts
o Normal Current Account
o Business Advantage Account
o Business Select Account
o Business Classic Account
o Business Privilege Account
o Channel One Account
o Current Account for Govt. Organizations
o Current Account for Banks
o Current Account for Builders & Real Estate
o Capital Market Current Account
o Krishi Current Account
o Business Global Current Account
o Club 50 Current Account
o Shipping and Maritime Current Account
o Inland Road Transport Current Account
o Travel, Tourism and Hospitality Current Account
o Local Current Account
o Current Account for Pharma
o Cash Management Current Account
o Current Account for Chartered Accountants
• Credit
o Large Corporates
 Working Capital Finance
 Term Loans
 Trade Services
 Structured Finance
 Supply Chain Management
 Overseas Transactions
o Agri Business
 Kisan Power
 Powertrac
 Commodity Power
 Contract Farming
 Arthia Power
o SME Standard
o SME Fast Track
o Microfinance
• Capital Market
o Debt Solutions
o Equity Solutions
o Private Equity, Mergers & Acquisitions
o Advisory Services
o Trusteeship Services
o Depository Services
o eDepository Services
o Capital Market Funding
o Custodial Services
o e-Broking
• Treasury
o Forex
o International Business
o Money Market
o Constituent SGL Facilities
o Retailing of Government Securities
• Cash Management Services
o Payment Solutions
o Collection Solutions
• Govt. Business
o Authorisation
o Direct Tax Payment
o Indirect Tax Payment
o State Tax Payment
o Pension Disbursement
o Other Services
o e-Payments
o e-Governance Tie-ups
o Online Tax Payment
o New Pension System (NPS)
NRI
Axis Bank offers following services for the NRIs:
• Accounts
o NRE Savings Account
o NRO Savings Account
o NRI Prime Account
o NRI Priority
o PIS Account
o NRE Salary Account
o RFC Account
• Deposits
o NRE Rupee Deposit
o NRO Rupee Deposit
o FCNR Deposit
o RFC Term Deposit
• Remittances
o AxisRemit
o SWIFT
o Partner Banks
o Exchange House Tie-ups
o NRI Connect
• Services
o PAN Assistance
o Locker
o NRI Local Post Box
Priority Banking
Following services are offered under this category:
• Accounts
o Resident
o NRI
• Deposits
o Fixed Deposits
o Encash 24
• Loans
o Home Loan
o Personal Loan
o Car Loan
o Study Power
o Consumer Power
• Cards
o Priority Debit Card
o Credit Cards
 Platinum Credit Card
 Gold Plus Credit Card
 Gold Credit Card
 Silver Credit Card
 Secured Credit Card
 eShop Card
o Travel Currency Card
o Remittance Card
o Gift Card
• Investments
o Resident Indians
 Mohur Gold
 Online Trading
 Mutual Funds
 Depository Services
 eDepository Services
o NRI
 PIS Account
 PAN Assistance
• Payments
o Bill Pay
o Tax Payments
• Remittances
o SWIFT
o Partner Banks
• Other Services
o Mobile Refill
o Locker
o Online Shopping
24 x 7 Banking
Following services are offered under 24 x 7 Banking:
• Internet Banking
• Mobile Banking
o Savings Account
o NRI Account
o Current Account
• Phone Banking
• Visa Money Transfer
• Power Transfer
• ATM
Address
Axis Bank Limited
131, Maker Tower - F,
Cuffe Parade,
Colaba,
Mumbai - 400 005
Tel: +91-22-6707-4407
Fax: +91-22-2218-1429
Web: www.axisbank.com
•
• Axis Bank
2007.
Joint Promotion
• Axis Bank loans
Offerings
• NRI
Personal Banking
• Accounts
o Demat Account
o RFC(D) Account
• Deposits
o Fixed Deposits
o Encash 24
• Loans
o Home Loan
o Car Loan
o Personal Loan
o Study Loan
o Consumer Loan
• Cards
o Credit Cards
o Debit Cards
o Prepaid Cards
• Investments
o Mohur Gold
o Online Trading
o Mutual Funds
o Demat Account
o A Smile Solution
o Kal Bhi, Aaj Bhi
• Insurance
o Life Insurance
 5 For Life
o Health Insurance
 Family Health
 Silver Health
o Motor Insurance
o Personal Accident
 Safe Guard
o Home
 Safe Home
 Safe Home Plus
o Travel Companion
o Critical Illness
• Payments
o Bill Pay
o Tax Payments
 Tax e-Payments
• Other Services
o Mobile Refill
o Locker
o Online Shopping
o IPOSmart
o E-Statement
Corporate Banking
• Accounts
• Credit
o Large Corporates
 Term Loans
 Trade Services
o Agri Business
 Kisan Power
 Powertrac
 Commodity Power
 Arthia Power
o SME Standard
o SME Fast Track
o Microfinance
• Capital Market
o Debt Solutions
o Equity Solutions
o Advisory Services
o e-Broking
• Treasury
o Forex
o Money Market
o Payment Solutions
• Govt. Business
o Authorisation
o State Tax Payment
o Other Services
o e-Payments
NRI
• Accounts
o NRI Prime Account
o NRI Priority
o PIS Account
o RFC Account
• Deposits
o NRE Rupee Deposit
o NRO Rupee Deposit
o FCNR Deposit
o RFC Term Deposit
• Remittances
o AxisRemit
o SWIFT
o Partner Banks
o NRI Connect
• Services
o PAN Assistance
o Locker
Priority Banking
• Accounts
o Resident
o NRI
• Deposits
o Fixed Deposits
o Encash 24
• Loans
o Home Loan
o Personal Loan
o Car Loan
o Study Power
o Consumer Power
• Cards
o Credit Cards
 eShop Card
o Remittance Card
o Gift Card
• Investments
o Resident Indians
 Mohur Gold
 Online Trading
 Mutual Funds
o NRI
 PIS Account
 PAN Assistance
• Payments
o Bill Pay
o Tax Payments
• Remittances
o SWIFT
o Partner Banks
• Other Services
o Mobile Refill
o Locker
o Online Shopping
24 x 7 Banking
• Mobile Banking
o Savings Account
o NRI Account
o Current Account
• Phone Banking
• Power Transfer
• ATM
Address
Axis Bank Limited
Cuffe Parade,
Colaba,
Mumbai - 400 005
Tel: +91-22-6707-4407
Fax: +91-22-2218-1429
•
•
• Axis Bank
2007.
Joint Promotion
• Axis Bank loans
Offerings
• NRI
Personal Banking
• Accounts
o Demat Account
o RFC(D) Account
• Deposits
o Fixed Deposits
o Encash 24
• Loans
o Home Loan
o Car Loan
o Personal Loan
o Study Loan
o Consumer Loan
• Cards
o Credit Cards
o Debit Cards
o Prepaid Cards
• Investments
o Mohur Gold
o Online Trading
o Mutual Funds
o Demat Account
o A Smile Solution
o Kal Bhi, Aaj Bhi
• Insurance
o Life Insurance
 5 For Life
o Health Insurance
 Family Health
 Silver Health
o Motor Insurance
o Personal Accident
 Safe Guard
o Home
 Safe Home
 Safe Home Plus
o Travel Companion
o Critical Illness
• Payments
o Bill Pay
o Tax Payments
 Tax e-Payments
• Other Services
o Mobile Refill
o Locker
o Online Shopping
o IPOSmart
o E-Statement
Corporate Banking
• Accounts
• Credit
o Large Corporates
 Term Loans
 Trade Services
o Agri Business
 Kisan Power
 Powertrac
 Commodity Power
 Arthia Power
o SME Standard
o SME Fast Track
o Microfinance
• Capital Market
o Debt Solutions
o Equity Solutions
o Advisory Services
o e-Broking
• Treasury
o Forex
o Money Market
o Payment Solutions
• Govt. Business
o Authorisation
o State Tax Payment
o Other Services
o e-Payments
NRI
• Accounts
o NRI Prime Account
o NRI Priority
o PIS Account
o RFC Account
• Deposits
o NRE Rupee Deposit
o NRO Rupee Deposit
o FCNR Deposit
o RFC Term Deposit
• Remittances
o AxisRemit
o SWIFT
o Partner Banks
o NRI Connect
• Services
o PAN Assistance
o Locker
Priority Banking
• Accounts
o Resident
o NRI
• Deposits
o Fixed Deposits
o Encash 24
• Loans
o Home Loan
o Personal Loan
o Car Loan
o Study Power
o Consumer Power
• Cards
o Credit Cards
 eShop Card
o Remittance Card
o Gift Card
• Investments
o Resident Indians
 Mohur Gold
 Online Trading
 Mutual Funds
o NRI
 PIS Account
 PAN Assistance
• Payments
o Bill Pay
o Tax Payments
• Remittances
o SWIFT
o Partner Banks
• Other Services
o Mobile Refill
o Locker
o Online Shopping
24 x 7 Banking
• Mobile Banking
o Savings Account
o NRI Account
o Current Account
• Phone Banking
• Power Transfer
• ATM
Address
Axis Bank Limited
Cuffe Parade,
Colaba,
Mumbai - 400 005
Tel: +91-22-6707-4407
Fax: +91-22-2218-1429
•
• Allahabad Bank
•
Allahabad Bank is one of the leading banks in India. Established on April 24, 1865 in Allahabad by
a group of European, Allahabad Bank is also the oldest Joint Stock Bank of India. In the year
1969, the Government of India nationalized 13 commercial banks. Allahabad Bank was one of
those. Currently it offers a whole range of financial services to thousands of customers across the
nation through its 2260 branches, besides its Internet banking services. Allahabad Bank has its
headquarter located in Kolkata.
Brief History
After its establishment in 1865, Allahabad Bank became a part of P & O Banking Corporation in
1920 with a bid price of Rs. 436 per share. In 1923, considering the business opportunities, the
headquarter of the bank was shifted to Kolkata. On July 19, 1969, when the Government of India
nationalized Allahabad Bank along with 13 other banks, it had 151 branches across the nation
with deposits of Rs. 119 crore and advances of Rs. 82 crore. In 1989, United Industrial Bank Ltd.
merged with nationalized Indian bank. Allahabad Bank also instituted a wholly owned subsidiary
for Merchant Banking, called "AllBank Finance Ltd.".
Allahabad Bank released its first Initial Public Offer (IPO) of 10 crore (face value Rs. 10 per share)
in October, 2002. It reduced the Government shareholding to 71.16%. It again released Follow
on Public Offer (FPO) in April, 2005 of 10 crore equity shares (face value Rs. 10 each with a
premium of Rs. 72). It again reduced the Government shareholding to 55.23%.
It was June, 2006 when the Allahabad Bank went international to open up its first Representative
Office at Shenzen in China. In October, 2006, Allahabad Bank went high-tech for roll out its first
branch under Core Banking Service (CBS). It opened up its first overseas branch at Hong Kong in
February 2007. In March 2007, the business of Allahabad Bank crossed Rs. 1,00,000 crore mark.
Products
Allahabad Bank offers a range of products to its customers across the nation and overseas.
Following are the list of products offered by Allahabad Bank to its customers:
1. Deposit Products
o Flexi-Fix Deposit
o Rs. 5 Banking
o All Bank Tax Benefit Term Deposit Scheme
o AlBank Premium SB Account
o AllBank Mahila Sanchay Account
o AllBank Vikash SB Account
o AllBank Premium Current Account
o Current Plus Deposit Scheme
o Sishu Mangal Deposit Scheme
2. Retail Credit Products
o Housing Loan
o Education Loan
o Car Loan
o Personal Loan for Pensioners
o Personal Loan for Doctors
o Loan Against NSC/KVP
o AllBank Rent Loan
o AllBank Property Scheme
o AllBank Furnishing Loan
o Gold Loan Scheme
o AllBank Mobile Scheme
o Overdraft Facility in SB Accounts
o AllBank Abhushan Scheme
o AllBank Trade Scheme
o AllBank Gyan Dipika Scheme
o AllBank Reverse Mortgage Scheme
3. Other Credit Products
o Kisan Credit Card
o Kisan Shakti Yojana
o AllBank-Expo
Other Services
The other services offered by Allahabad Bank are as below:
• All Ayshman Bima Yojana
• Depository Services
• Visa Debit Cum ATM Card
• Real Time Gross Settlement (RTGS)
• National Electronic Funds Transfer (NEFT)
• Gold Card Scheme for Exporters
• Charter for MSMEs
• Government Business
• Regional MSME Care Centres
• MSME Care Centre in Jharkhand State for All Banks
Address
Allahabad Bank 2, N. S. Road
Kolkata- 700 001
Tel: +91-33-2231-9144
Fax: +91-33-2210-7425
Email: gmpd@allahabadbank.in
Web: www.allahabadbank.com
•
• American Express Bank Ltd
•
merican Express Bank boasts of more than 150 years of experience. At present, American
Express is known to be a global payments company.
Values of American Express Bank Ltd
• Trust
• Integrity
• Security
• Quality
• Customer service
All these factors imbibed together have made the American Express Bank story a success. The
desire to become the world�s most respected service brand seems to be working fine.
About American Express Bank India
American Express Bank India, established in 1921, has created a brand name for themselves in
the field of world-class travel and financial services. The role of American Express Bank Ltd.
comprises of issuing a wide range of cards and travelers cheques to suit the needs of the elite
clients.
They happen to be the largest company with a widespread network of traveling points across
India. American Express Travels has signed a Memorandum of Understanding (MoU) with the
postal department, enabling few specified speed post offices to distribute and encash American
Express Travellers Cheques.
Activities of American Express Bank India
The American Express Bank India has cards which meet all the client requirements. The card
division of the American Express Bank enjoys the top most rank. American Express Credit Cards
in India are of two types:
• International Gold Amex Card
• International Green Amex Card
The American Express India Card members can avail different types of discounts of 3% to 7% on
airline tickets. They can also enjoy special facilities to book tickets over the phone and 40%
discounts on overseas hotel rates.
Different American Express Bank India cards
• American Express E-Credit Card
• American Express Gold Credit Card
• American Express Card
• American Express Gold Card
• American Express Platinum Card
• MTNL American Express Credit Card
• India Today Group American Express Credit Card
• Indian Airlines American Express Green Card
• Indian Airlines American Express Gold Card
• Indian Medical Association (IMA) American Express Credit Card (medical professionals)
• The Institute of Cost and Works Accountants of India (ICWAI) American Express Credit
Card (for Cost and Work accountants).
The other remarkable service offered by the American Express Bank India is the issue of the
American Express Travelers Cheques, having global recognition. American Express Travelers
Cheques can be reinstated with the customer globally within a day in case of lost or theft. The
different currencies in which they are available are the Australian Dollar, Canadian Dollar, Euro,
Japanese Yen, Saudi Riyal, South African Rand, Swiss Franc, Pound Sterling and US Dollar.
Personal banking services of American Express Bank
• Savings, Current and Term Deposit Accounts
• Personal Loans
• Investment Services
Quick facts of American Express Bank Ltd
Headquarters
American Express Company
World Financial Center
200 Vesey St
New York, NY 10285
212-640-2000
Stock Symbol
NYSE: AXP
Index Memberships
Dow Jones Industrials; S&P 500
Industry
Consumer Financial Services

Contact details of American Express Bank Ltd, India
Corporate Office: American Express Bank Ltd.

A,A1,A2 Enkay Centre
Udyog Vihar Phase V
Gurgaon
Haryana - 122016
Website: www.americanexpress.com/india
• Andhra Bank
The founder of Andhra Bank was the eminent freedom fighter and a versatile genius, Dr.
Bhogaraju Pattabhi Sitaramayya. Andhra Bank was registered on 20th November 1923 with the
business commencing from 28th November 1923. The paid up capital with which the operations
were started were Rs 1.00 lakh and the authorized capital was Rs 10.00 lakh.
Financial performance of Andhra Bank as on September (Q2) 2009
1. Net profit surges up to Rs.274 Crore, growing by 70%. This was over Rs. 162 Crore in the
corresponding period in 2008.
2. The gross business improved to Rs.1,10,460 Crore, up by 27%.
3. Operating Profit was up by 63% and touched Rs.453 Crore
4. Gross advances surged up by 32% to touch Rs.48,182 Crore
5. CASA Deposits was 32.34% of total deposits
6. Total Deposits went up to Rs.62,279 Crore, growing at 23%
7. Credit Deposit Ratio saw an improved performance to 77.70% from 72.28%
8. Interest Income amplified to Rs.1,558 Crore in Q2 growing by 17.32%
9. Other Income surged up by 84.92% to Rs. 233 Crore, when compare with the figure of Q2
of 2008
10. Net Interest Income augmented to Rs. 515 Crore, up by 18.94% .
11. Total income grew by 23%, whereas total expenditure was measured at 14%
12. A Net Interest Margin (NIM) of 3.14% in Q2 was achieved
13. Return on Assets (ROA) improved appreciably to 1.53% in Q2 compared to 1.12% in Q2 of
previous year.
14. Cost to Income ratio was bettered to 39.45% from 50.27%.
15. Gross NPA to Gross Advances condensed to 0.83% from 1.03%
16. Percentage of Net NPAs to Net advances improved to 0.16% from 0.24%
17. Coverage Ratio is 83.66%
18. CRAR improved to 14.03% (as per Basel-II norms)
Brief performance of Andhra Bank
• Bank has been following the Basel II norms
• The percentage of Standard Assets to Gross Advances went up to 99.17% as on 30.09.09
as compared to 98.97% of the previous year.
• Gross NPA was Rs.398.36 Crore
• Gross NPAs as a percentage to Gross Advances was 0.83% (30.09.2009) against 1.03% of
30.09.2008
• Net NPAs are valued at Rs 75.20 Crore, representing mere 0.16% of Net Advances, an
improvement of 0.08% over 2008
• The delinquency ratio is 0.23% as on 30-09-2009
• Provision Cover for NPAs for Q2 was 83.66%
Technology Initiatives of Andhra Bank
• All Andhra Bank branches are under CBS
• Online Tax payment (eTax) has been launched along with Internet Banking (Retail as well
as Corporate)
• Customers are able to receive SMS Alerts on their Mobile Phones. As on 30th September
2009, 7.53 Lakh customers have been registered to avail this facility
• Customers can request for balance, mini-statement, cheque status, etc through SMS-pull
facility
• Customers can indulge themselves in online trading via M/s Religare
• The number of ATMs increased to 798 as on 30-09-2009.
• Number of ATM/Debit Cards issued by the bank increased from 35.4 Lakhs as on 31-03-
2009 to 45.52 Lakhs as on 30-09-2009
• ABN AMRO Bank
•
rating. They have also been able to gather a place among the top 10 banks in the world in terms
of size and strength. The overseas banking network reveals that they have around 3,568
branches and their offices are spread across more than 320 cities and 76 countries and territories.
There is more than 100,000 highly qualified staff at present associated with the company.
ABN AMRO in India
Conventionally, the bank has been known as a strong diamond financing bank. With an expert
team of research, sales and trading, equity capital market and M&A advisory, they have been able
to be the pioneers in many banking transactions for the corporate and institutional clients.
Services offered by ABN Amro Bank
• Transaction banking products
• Fixed income and foreign exchange products
• Services including sales and trading
• Fixed income origination
• Derivatives
• Structured lending
• Commodity financing
For the business banking clients, the bank offers elite services in trade finance, business loans,
supply chain management, credit facilities, payment and cash management. All these banking
solutions help the small to medium size businesses to augment the cash flow, act as a boosting
factor for business efficiency and also take the best advantages of new opportunities.
Products offered by ABN Amro Bank

• 1.Personal loans
• 2.Credit cards
• 3.Savings accounts
• 4.Financial planning
• 5.Investment and insurance services
• With all these multitude of services and customers from all domains, the bank has the
capacity to meet the financial requirements of more than a million personal Banking clients
in India.
Besides consumer banking, the bank has Van Gogh Preferred Banking which helps to
create an ambience and relationship viable for the customers. Van Gogh preferred banking
services offers a broad range of wealth maximization opportunities. The private banking
services in India have in its offering an extensive range of portfolio advisory services.
The Microfinance program of ABN Amro Bank boasts of being the largest amongst the
foreign banking peers. At present they provide their services to 26 MFIs across 16 states
in India, catering to more than 390,000 customers. They receive micro financing small
loans of USD 200 or less. By the end of 2009, they aim to touch a million customer base.
• Arab Bangladesh Bank
•
Arab Bangladesh Bank Limited (AB Bank Limited) is a Bangladesh-based private sector bank,
having its overseas office in Mumbai. Established on December 31, 1981 as the first private
sector bank in Bangladesh and started its operation from April 12 next year, Arab Bangladesh
Bank Limited has come a long way in the following years to become a prominent name in the
global banking sector. The Mumbai branch of Arab Bangladesh Bank Limited is the sole overseas
branch in India.
Recently Arab Bangladesh Bank Limited has changed its color and logo in an attempt to bring
fresh approach. The new logo, which was launched on the 25th anniversary of the bank, focuses
on bonding and trust, and hence showcasing the new spirit of the organization.
The profit of Arab Bangladesh Bank Limited went up to 21% from its previous year to reach Taka
230 crores in 2008. The asset base also went up by 32% to reach Tk 8,400 crore in 2008. The
deposits of the bank also increased 28.45% to reach Tk 1,518 crore, whereas the diversified loan
portfolio augmented by more than 30% to reach Tk 1,579 crore. In foreign trade, Arab
Bangladesh Bank Limited registered a growth of 40% with a business volume of Tk 9,898 crore.
The Performance
Following are the performance of Arab Bangladesh Bank Limited Mumbai branch. (Figures are in
Rs. mn.)
Total Assets
788
Total Expenses
60
Net Profit
29
Credit Deposit Ratio
84.24
Cash Deposit Ratio
4.48
Investment Deposit Ratio
36.66
Return on Asset (%)
6.71%
Return on Equity (%)
6.18%
Business per Employee
21.24
Net Profit per Employee
1.07
Products & Services
Arab Bangladesh Bank Limited offers a range of products and services to its customers. Following
are the services offered by AB Bank Ltd:
• Retail Banking
o Personal Loan
o Auto Loan
o Easy Loan (for Executives)
o Gold Grace (Jewellery Loan)
o House / Office Furnishing / Renovation Loan
o Staff Loan
o Education Loan
o Personal Loan
o Personal Overdraft
• SME Banking
• Project Finance
• Loan Syndication
• NRB Banking
• Money Transfer
• Islami Banking
• Investment Banking
o Merchant Banking
o Custodial Service
o Brokerage Service
• Cards
• Locker Service
Useful Information
Arab Bangladesh Bank Limited

Mumbai Branch
Liberty Building
41-42 Sir Vithaldas Thackersey Marg
New Marine Lines
Mumbai 400 020, India
Ph: +91-22-22005392-3
Fax: +91-22-22005391
SWIFT: ABBLINBB
E-mail: Mumbai@abbank.com.bd
Web: www.abbank.com.bd
•
• Bank Muscat (S A O G)
Bank Muscat or BankMuscat (BKMD) is Oman's largest bank with a total asset base of more than
US $13 billion. It is also the first Oman company to get enlisted in the London Stock Exchange in
October 2005. Bank Muscat is also listed on the Muscat Security Market. Currently, it has an
extensive network of more than 115 branches. It also has a branch in Riyadh (Saudi Arabia).
There is a Representative Office in Dubai (United Arab Emirates) as well.
Bank Muscat offers a wide range of products and services to its thousands of customers. Its
commercial banking services include deposits, loans and credit cards, whereas its investment
banking services include financial advisory and corporate finance. It also offers asset
management services including wealth and fund management and also investments in private
equity and brokerage services etc.
Organization Structure and Related Entities
Established in 1982 as Oman Overseas Trust Bank, BankMuscat has seen some major mergers
and acquisitions to come into the current status and size. It merged with Al Bank Al Ahli Al Omani
in 1993. In 1999, it again merged with Commercial Bank of Oman. Then a third merger came
again in 2001 when Bank Muscat merged with Industrial Bank of Oman. Finally, Bank Muscat
merged for the fourth time with the National Bank of Oman in September 2004.
Not only that, BankMuscat also has a strategic stake in a Bahrain based commercial bank,
BankMuscat International (BME) Bank. It also has a 43% stake in Mangal Keshav Group - a well
known and the oldest securities houses in Indian equities market. In 2008, BankMuscat also
acquired 35% stake in Saudi Pak Commercial Bank.
Subsidiaries / Associates / Affiliates

Name
Country
Holding
Muscat Securities House Company (MSH)
Saudi Arabia
100%
BMI Bank
Bahrain
49%
Mangal Keshav Holding
India
43%
Silk Bank
Pakistan
35%
Investments
Name
Country
Holding
Oman Chemical Industries Company
Oman
6.98%
Dhofar Power Company
Oman
5.00%
Oman Investment Corporation
Oman
5.00%
Oman Refreshment Company
Oman
5.00%
Sahara Hospitality Company
Oman
4.09%
Oman Oil Marketing Company
Oman
2.01%
Octal Petrochemicals
Oman
-
Oman Urban Development Company [OUDC]
Oman
Funds
Name
Country
Holding
BankMuscat MSCI Kuwait Fund
Kuwait
-
Muscat Fund
Oman
-
Oryx Fund
GCC
-
Divisions
Bank Muscat has got the following divisions.
• Corporate Banking Division
• Consumer Banking Division
• Investment Banking Division
• Asset Management Division
• Private Banking Division
Products and Services
Bank Muscat offers a range of products and services to its clients, which is spread over various
sectors like Consumer Banking, Corporate Banking, Wholesale Banking, Al-Wathbah or SME
Banking etc.
Consumer Banking
Following services are offered in Consumer Banking:
1. Accounts
o Saving Accounts
o Al Mazyona Children's Accounts
o Current Deposit Accounts
o Fixed Deposits
o Payroll Accounts
2. Loans and Mortgages
o Batuna Home Loans
o Educational Loans
o Loans for Ex-pats.
o Loans for Omani Nationals
o Overdraft Facility
o Sayyarati Car Loans
3. Insurance
o Hayatuna
o Motor Insurance
o Commercial Lines Insurance
4. Card Services
o Credit Cards
o Debit Cards
o Merchant Services
o Pre-Paid Cards
o Contact Card Services
5. Ex-pat. Services
o Ex-pat. Banking Services
o Ex-pat. Wealth Management Services
o Money Transfer Services
6. Money Transfer and Remittances
7. Payment Facilities
o Bill Payment Facilities
o Education Fee Payment
o Payment Facility for Air Arabia Ticket
o Priority Banking
Corporate Banking
Following services are offered in Corporate Banking:
• Financing Solutions
• Working Capital Finance
• Asset Finance
• Global Trade Services
• Project and Structured Finance
• Project Finance
• Regional Corporate & Syndication Unit
• Structured Finance
• Corporate Services
• Cards
• International Branches
• Public & Government Sector
Wholesale Banking
The services under Wholesale Banking include:
• Asset Management
• Mutual Funds
• Portfolio Management
• Private Equity / Real Estate Funds
• FIG
• Brokerage
• Corporate Finance Advisory
• Equity Research
• Private Banking
• Treasury and Capital Markets
•
• Bank Of America
Bank of America or BofA is one of the major commercial bank in the world. The headquarters of
the bank are located at Charlotte, North Carolina. Bank of America serves more than 50 million
customers and has about 19,000 ATMs and 6,100 retail banking offices. More than 20 million
customers use the Bank of America Online Services. Bank of America is the largest bank by
assets, largest financial services company, second largest in terms of market capitalization and
the largest commercial bank by deposit in the United States of America. The bank has business
relationship with more than 95% of the Fortune 500 Companies
A Brief History
The bank was started by Amadeo Peter Giannini in San Francisco in the year 1904 for the small
farmers who had come from Italy. After the bank was taken over by the former NationsBank in
1998, the bank came to be known as Bank of America. After taking over Merrill Lynch in 2008,
the bank rose to the number one position in the United States. Some of the other mergers and
acquisition in the history of the Bank of America are: merger with FleetBoston Financial, purchase
of US Trust, acquisition of Countrywide Financial, acquiring MBNA and National Processing
Company.
Federal Bailout of Bank of America
In January 2009, Under the Troubled Asset Relief Program (TARP) of the United States
Government, Bank of America received US $20 billion in federal bailout. The bank also got a
guarantee of US $118 billion in potential losses at the company in addition to the $25 billion given
in the fall of 2008 through TARP. Members of the US Congress have expressed concern about how
the bailout money is being spent as there have been certain accusations of the misuse of this
bailout money.
Bank of America- India
The Indian branch of the Bank of America was started in the year 1960 in Hyderabad and added
four more branches by 1999. Bank of America Securities India Pvt Ltd is a subsidiary of the Bank
of America, India. The bank has plans to increase its range of product and the client base in the
country. In the period 2005-2006 the Indian branch of the Bank of America registered a net profit
of Rs 144 crore, which was an increase of 80%. Back office operations, IT and some other work
has been outsourced to the office in India. BPO operations of the bank are handled in Hyderabad,
Mumbai and Gurgaon.
The India operations of the bank are being expanding through Bank of America Corp. which has
recently opened a fully owned subsidiary, The Continuum Solutions Pvt. Ltd., in Hyderabad. Here
the bank has the Global Delivery Centre Expertise which handles every activity related to
outsourcing.
Bank Divisions
More than 85% of the revenue for the bank is generated in its domestic market. The major
divisions of the bank are Corporate Division, Consumer Division, Investment Management
Division and the International Operations Division. The bank has presence in Asia, Europe, Middle
East, Africa, Latin America, U.S. and Canada.
Products and Bank Services
Bank of America offers the following services:

IRAs
Mortgage
Auto Loans
Insurance
Retirement
Credit Cards
Home
Equity
Personal Loans
Investment
Services
Online Investment
Online Banking
•
Contact Details
Express Towers, 16th Floor

Nariman Point
City: Mumbai
Pin: 400 021
State: Maharashtra
Phone No.: +91-22-22852882
Fax: +91-22-22870981
• Bank Of India
About Bank of India
A group of eminent businessmen from Mumbai started the Bank of India (also known as BoI) on
7th September, 1906. Initially the bank was owned privately till it was nationalized in July 1969.
Bank of India began its operations with just Rs. 50 lakh and 50 employees. Over the years, the
bank has made rapid progress and has become a one of the leading financial institutions in the
country with presence both in and outside the country. The bank has over 3000 branches spread
all over the country consisting of 136 specialized branches. Among the nationalized banks in the
country, the business volume of the Bank of India occupies a premier position.
Bank of India Products and Services
Apart from the standard services offered by the bank to its clients, the bank offers some special
services as well. The bank offers multi banking facility to customers of network branches of the
bank. As a part of this facility, the customers of one branch will be bale to transact on his account
from any of the network branch of the bank. Currently this facility is available at 200 cities across
the country. The various services available under multi branch banking includes cash payment,
cash deposit, inquiry about the fate of a cheque, stop payment on a cheque, transfer of funds,
balance inquiry and bank statement.
Bank of India has been one of the pioneers in launching important schemes in the areas of
distribution, technology, international operations and risk management. The bank aims at
strengthening customer relations, expand delivery channels, strengthening the revenue streams
and increasing international capabilities and services.
Bank of India Loans
Bank of India offers its clients different types of loans to meet varied requirements. There bank
offers personal loans, commercial loans, trade finance loans, NRI loans, SME, agriculture and
priority castor loans. All the loan schemes have easy repayment options making it a good option
for those who require loans. Some of the loan schemes under personal loan include:
• Star IPO
• Star Autofin
• Star Home Loan
• Star Holiday Loan
• Star Personal Loan
• Star Mortgage Loan
• Star Educational Loan
• Star Mitra Personal Loan
• Star Pensioner Loan Scheme
• Star Mahila Gold loan Scheme
• Star Home Loan Scheme-Special Package
The bank has a whole range of online services on offer for clients. Some of the services are:
online payment of bills, mobile banking, online ASBA IPO, internet banking, online booking of air
and rail tickets, online payment of taxes like direct tax, service tax, excise tax, central tax and
online trading of shares.
Bank of India International Branches
The international branches of the bank of India are located at:

• UK
• USA
• UAE
• France
• Belgium
• Japan
• Hongkong
• China
• Kenya
• Singapore
• Indonesia
• Vietnam
• West Indies
• South Africa
• Channel Islands
• Address
Bank of India
Star House
C - 5, "G" Block,
Bandra Kurla Complex,
Bandra (East),
Mumbai 400 051
Phone: 022-66684444
• Bank Of Baroda India
The Bank of Baroda was established in the year 1908 in Baroda. Ever since its inception, the bank
has been growing and expanding its branches successfully. At the turn of a century, the bank has
its presence in 25 countries across the world. Bank of Baroda has progressively taken a step
towards commitment and values by providing uncompromising standards of service to its
customers, stakeholders, employees and the like.
Heritage & Ethics of Bank of Baroda:

The Bank of Baroda was started on 20th July 1908 under the Companies Act of 1887. The initial
capital invested was Rs. 10 Lakhs. The Maharaja was none other than Sayajirao Gaekwad who,
with his visionary insight, planned the beginning of a reputed journey which over the years, came
to be known as the Bank of Baroda.
It is interesting to note that during the period of 1913 to 1917; almost 87 banks in India
succumbed to a financial crisis. However, the Bank of Baroda survived the economic depression
by dint of its financial integrity, business prudence and concern uncompromising concern about its
customers and clients. This has transcended down to the present ages and has become the motto
of the bank.
Investor Relations:
By December 1996, Bank of Baroda penetrated the equity market by successfully implementing
the ‘Follow on Public Offer’ of around 71 million equity shares in January 2006. In the present
scenario, Bank of Baroda's public shareholding is as high as 46.19 percent with a total equity
capital of 365.53 crore. This is held by Retail Investors, Banks and Financial Institutions,
Employees, FIIs and OCBs, Mutual Funds, Insurance Companies and Others.
Key Financial Indicators - Profitability Ratios of Bank of Baroda:-

Particulars 31.03.05 31.03.06 31.03.07 31.03.03 01.03.09
Interest expenses/AWF 3.68% 3.65% 4.35% 5.10% 5.14%
Non-Interest
1.40% 1.12% 1.11% 1.32% 1.42%
Income/AWF
Cost Income Ratio 46.24% 55.43% 51.30% 50.89% 45.38%
Net profit / AWF 0.72% 0.78% 0.82% 0.93% 1.15%
Return on Assets 0.71% 0.73% 0.72% 0.80% 0.98%
Yield on Advances 7.18% 7.43% 8.37% 9.53% 9.50%
Products & Services

Given below is the list of services offered by the Bank of Baroda:-
• Retail Banking
• Rural/Agri Banking
• Wholesale Banking
• SME Banking
• Wealth Management
• Demat
• Product Enquiry
• NRI Remittances
• Baroda e-Trading
• Interest Rates
• Deposit Products
• Loan Products
• ATM / Debit Cards
Bank of Baroda takes special care to look after the requirements of its shareholders. Given below
are the various benefits provided to the shareholders of the bank:-
• Change of address or names of Shareholders
• Transmission of shares
• Transposition
• De-materializing Shares
• Investors Services Department
• Registrars & Share Transfer Agent
• Bonds related to Transfer
• Lodgment of Shares
• Duplicate Share Certificate
• Duplicate Dividend Warrants
• Revalidation
• Means of communication
• Investor Grievance Committee
• Electronic Clearing Services or ECS
• Stock Market Data
Personal Services
• Deposits
• Gen-Next
• Loans
• Credit Cards & Debit Cards
• Services
• Lockers
Corporate Services
• Deposits
• Loans
• Advances
• Services
International Services
• NRI Services
• FGN Currency Credits (Foreign Currency Credits)
• ECB (External Communication Borrowings)
• FCNR (B) Loans
• Offshore Banking
• Finance in Export and Import
• Correspondent Banking Facility
• International Treasury
Treasury service of Bank of Baroda includes Domestic operations and Forex operations.
Rural Facilities:-
Domestic Services
• Deposits
• Priority Sector Advances
• Services
• Lockers
Priority Sector Advances
• Small Scale Industries
• Small Business
• Retail Loans
• Schemes sponsored by the GOI (Government of India)
• Baroda General Credit Card Scheme (BGCC)
• Agriculture related Loans
Contact Details
Head Office
Suraj Plaza 1, Sayaji Ganj,

Baroda 390005
Ph: (0265) 2361852
Fax: (0265) 2362395, 2361824, 2361806.
Corporate Centre
Bank of Baroda
Baroda Corporate Centre,
Plot No. C-26, Block G,
Bandra Kurla Complex,
Bandra (East),
Mumbai 400051
Ph: (022) 6698 5000-04.
Website: http://www.bankofbaroda.com
• Bank of Maharashtra
Bank of Maharashtra, one of the leading banks in India, has its headquarter located in Pune.
Registered on September 16, 1935 by Prof. V. G. Kale and late Mr. D. K. Sathe, Bank of
Maharashtra started its operation on February 8, 1936 with a mere authorized capital of Rs. 10
lakhs and issued capital of Rs. 5 lakhs. The bank was established with a goal to meet the banking
needs of the common people. Bank of Maharashtra did reasonably well in quick period of time.
The deposits crossed Rs. 1-crore mark within the year 1945. The bank also got listed on the
Bombay Stock Exchange in 1958. Currently, Bank of Maharashtra has got an extensive network of
1444 branches with 345 ATMs, and 902 CBS branches. In 2009, it had a business turnover of Rs.
90,000 crore.
Financial Performance
Bank of Maharashtra registered a net profit of Rs. 375.17 crore during the financial year ended on
March 31, 2009, comparing to a net profit of Rs. 328.39 crore in 2007-08. It also had a return on
assets of 0.72% during 2008-09.
The Landmarks
• Bank of Maharashtra was nationalized in 1963.
• It established its first Regional Rural Bank (RRB) – ‘Marathwada Gramin Bank’ in 1978.
• The business crossed Rs. 1,000-crore mark in 1979.
• 500th branch was set up in 1980.
• ‘Aurangabad Jalna Gramin Bank’, the second RRB came up in 1981.
• ‘Thane Gramin Bank’, the third RRB came up in 1986.
• 1000th branch was inaugurated at Indira Vasahat in 1987.
• Initial Public Offer (IPO) was released in 2004.
• Launched ATM-cum-International Debit Card in 2006. The first Core Banking Branch (CBS)
also rolled out in the same year.
Products & Services
Bank of Maharashtra offers a range of financial products and services to its customers. Following
are the products and services of Bank of Maharashtra.
Deposit Schemes
• Savings Deposits
o Mahabank – Yuva Yojana
o Mahabank Lok Bachat Yojana
o Mahabank – Swasthya Yojana
o NRI Ordinary Account
o NRI External Account
• Current Deposits
o Mahabank – Pearl & Sapphire
• Term Deposits
o Mahabank – Sulabh Jama Yojana
o Monthly Interest Deposit Scheme
o Mahabank – Sheetal Jama Yojana
o Mahabank – Trust Deposit Scheme
o FCNR Account
o Cumulative Deposit Scheme (CDR)
o Quarterly Interest Deposit Scheme
o Mixie Deposit Scheme
o Mahasaraswati Scheme
Loans
• Educational Loans
• Loans for Corporates
• Loans for Exporters
• Loans for Professionals
• Loans for Agriculturists
• Loans for Individuals
• Housing Finance Scheme
• Mahabank Platinum Housing Loans: Festive Offer
• Mahabank Adhar Scheme
• Mahabank Gold Card Scheme for Exporters
• Mahabank Salary Gain Scheme
• Mahabank Vehicle Loan Scheme
• Mahabank Renewable Energy Equipments
• Mahabank Realty Finance
• Personal Loans
• Mahabank Solar Home Systems
• Mahabank Consumer Loan Scheme
Other Services
• ATM Services
• Demat Services
• Bancassurance
• Credit Card
• Mahabill Pay
• Mahabank Insta Remit Scheme
• NEFT
• Online Trading
• Useful Information
Bank of Maharashtra
Head Office
‘Lokmangal’ 1501, Shivajinagar
Pune – 411 005, INDIA
Ph: +91-20-2553-6533
Fax: +91-20-2553-3246
Web: www.bankofmaharashtra.in
• Bank of Punjab
About the Bank
Bank of Punjab Limited started its operations in the year 1989. After the bank gained the
recognition of an organized bank under The Bank of Punjab Act 1989 in 1994, it immediately
started operating as a scheduled business bank with its set-up of 273 sub-divisions at all chief
commercial hubs in the nation.
Bank of Punjab Limited offers all kinds of banking facilities ranging from Consumer Investment in
Foreign Exchange to Investment in Domestic Exchange, transfer of funds to credits to Businesses.
The firm is a fully governed subordinate of BOP First Punjab Modaraba (FPM) that was initiated in
the year 1992 and is being administered by Punjab Modaraba Services (Pvt) Ltd.
With a vision to be a client dedicated business bank, Bank of Punjab Limited offers international
standard services to its varied clientele. It aims to surpass the probabilities of their shareholders
by managing their association with the Punjab Government and conveying an entire range of
expert solutions with concentration of plan oriented services in the primary and secondary
markets, assisted by a trained team.
Landmarks Achieved
Bank of Punjab Limited has been honored with several awards for brilliance and functional
excellence. Some of them are mentioned as under:
• Felicitation for its functional brilliance by the Central Board of Revenue in recognition of
the role played by the bank towards administrative exchequer.
• In gratitude of BOP?s role in playing a significant role in expansion of agriculture industry,
the bank was felicitated with two 3rd Kissan Time Awards in 2006.
• Honored with 16th Bolan Excellence prize as the Best Bank in 2006
• Accomplishment Award by The Lahore Chamber of Commerce & Industry (LCCI) in 2006
• Felicitated with Best Business Account Award in 2005 by the Institute of Cost and
Management Accountants and Institute of Chartered Accountants of Pakistan.
Products and Services Offered
Below is the comprehensive list of products offered by Bank of Punjab Limited:

• Agriculture Finance
Under Agriculture Finance product the bank offers Tractor Lease credit plans,
Mechanization Assistance Plan, Commercial Agriculture services, etc.
• Trade Finance
Under Trade Trade Finance the bank offers loans for processing hubs, for operating the
business processing hubs, etc
• Deposit Products
Under deposit products the bank provides various accounts namely Current Account,
Fundamental Banking Account, FCY Supreme Current Account, etc
• Profit Loss Sharing Term Accounts Under Profit Loss Sharing Term Accounts the bank
provide account schemes such as BOP Pehlay Munafa, Bai Misaal Term Investment,
Business Premiere term, etc.
• Consumer Finance
Under Consumer Finance the bank offers loans for the purchase of car, motorcycle, home,
etc.
• Profit Loss Sharing Chequing Accounts
Under Profit Loss Sharing Chequing Accounts the bank provides saving account facilities
such as Ziada Munafa saving, PLS Supreme Saving, Gharayloo Saving, FCY Supreme
Saving, etc.
• Business Finance
Under Business Finance the bank offers credit for running a business, for auto lease, for
fertilizer suppliers, etc.
Below is the comprehensive list of services offered by Bank of Punjab Limited:

• Business Banking
• Business & Deposits
• Wealth Management Services
• Value Bills
• Exchange Chests
• Contact Details
Head Office (BOP)

10-B, Block E-II,
Main Boulevard Gulberg III Lahore
Tel: (042) 35783700-10
Fax: (042) 35783713
Training Institute
296-Upper Mall,
Lahore, Pakistan
Tel: (042) 35714180-35755625
• Bank of Rajasthan
Bank of Rajasthan
With its monopoly in Rajasthan, Bank of Rajasthan has a countrywide existence through its
branches that incessantly serves its varied clientele with an aim of flourishing with mutual efforts.
The bank is actively involved in business banking, Trade Banking, Back- Up services, Global
Banking, Primary Sector Banking, Customer Banking, Savings & Wealth Placement facilities, etc.
Bank of Rajasthan is India?s major Private Sector Bank that has specific Forex and manufacturing
credit sub-divisions. The bank is dedicated to the greatest standard of client contentment through
custom-made and professional services.
Bank of Rajasthan aims to become the Ideal Bank controlling expertise and expanding enduring
association with clients and develop value for the staff and shareholders.
Landmarks Achieved
Mentioned below are some of the landmarks achieved by Bank of Rajasthan Limited.
• Inclusion in the Reserve Bank of India?s second plan in 1948
• RBI Authorization under Section 22 of Banking Regulation Act in 1955
• Initial bank to introducing banking to common Indian by releasing the idea of mobile
subdivisions
• Opened its foremost mobile division on 5th August, 1960 in Jaipur city.
• Authorization from RBI to manage international currency in 1973
• First private bank to be consigned the task of working mutually with State Bank of Jaipur &
Bikaner
• After the initiation of Mewar Anchlik Gramin Bank in Rajasthan on 26th January, 1983, the
bank became the first private bank to finance rural banks in the district
• Certification to function as A category trade banker in 1993
• Introduction of exchange box of the Bank in 1993
• 400 Bank branches were opened till the year 2006 at Jaipur, Barmer, Cochin, Jodhpur,
Bhilwara, etc.
• It attained the exclusive division when its division in Jaipur city met the requirements for
ISO authorization by DNV U.K in the year 1997.
Clientele
Bank of Rajasthan Limited has a varied range of government, corporate and hotel clients that are
mentioned as under:
Central and State Government Enterprises
• Uttar Pradesh Finance Corporation Ltd.

• Rajasthan State Ganganagar Sugar Mills Ltd.
• Oriental India Assurance Company Ltd.
• Rajasthan State Road Transport Corporation
• Jaipur Development Authority
• Rajasthan State Bridge Construction Corporation Ltd.
• United India Insurance Company Ltd
• Rajasthan Small Industries Corporation Ltd.
• Konkan Railways
• Rural Electrification Corporation Ltd
• National Thermal Power Corporation
• Rajasthan State Text Book Corporation
• LIC Ltd.
• Rajasthan Finance Corporation Ltd.
• Rajasthan State Mines Development Corporation Ltd.
• Haryana Finance Corporation
• Rajasthan Housing Board
Indian Hotels
• Jai Mahal Palace

• Ram Bagh Palace
Business Houses
• Aditya Birla Group

• UB Group
• Singhania Group
• J.K Industries Ltd.
• C.K Birla Group
• Escorts Group
• Sahara India Group
• Essar Group of Industries
• Swastic Pipe Ltd.
• Housing Development Finance Corporation
• Rochees Group
• Bajaj Electricals Group
• BSL Ltd.
Exporters of Precious Stones
• M/s Allied Gems Corporation

• Darewala Jewelers
• M/s Dharam Chand Parash Chand Exports.
• Gems Co.
• M/s Flawless Diamonds
• G.K. Jewelers
• M/s K.G.K. Enterprises
Educational Organizations
• St.Xavier's School
• Board of Secondary Education
• All India Shri Shivaji Memorial Society
• University of Rajasthan
• Mohanlal Sukhadia University
• St. Anslem's School
• Rajasthan Agricultural University
• S.M.S. Medical College & Hospital
• Mayo College
Bank of Rajasthan Limited ? Products and Services
Below is the list of products and services offered by Bank of Rajasthan Limited:
• NRI Banking
• E-Banking
• Telephone Banking
• Credit Card Facility
• Foreign Exchange Services
• Demat Account Services
• Mobile Banking
• Mutual Funds
• Bancassurance
• Online Payments
Over the last 66 years, the bank has always strived to attain development on constant basis. The
financial details of the bank for the year 2009 are as under:
• Amount of Capital raised by the bank in 2009 was estimated at Rs 1613.50 Millions
• Amount of Investments in 2009 was estimated at Rs 151871.46 Millions
• Amount of Credits in 2009 was estimated at Rs 77807.50 Millions
• Amount of Reserves in 2009 was estimated at Rs 8842.41 Millions
Contact Details
The Bank of Rajasthan Ltd

BORCD,
Central Office
C-3, Sardar Patel Marg C- Scheme,
Jaipur - 302001
Phone: 91-141-3256108
Fax: 91-141-2221649
Email: borcd@rajbank.com
• Bharat Overseas Bank
About the Bank
Bharat Overseas Bank is a rapidly expanding Indian private sector financial institution with its
headquarters in Chennai. Initiated to acquire Bangkok subdivision of Indian Overseas Bank in
1973, Bharat Overseas Bank Limited became the only private bank authorized by the Reserve
Bank of India to start a division outside the nation.
Endorsed by around 7 banks, Bharat Overseas Bank is the single bank that signifies India in
Thailand and is providing banking services to the Indian origin entrepreneurs for the last 25
years. The bank has been successful in marking a name for itself even since its incorporation in
the field of client oriented banks. With a countrywide subdivision set-up, the bank has launched a
range of ground-breaking plans with a focus on competence assisted by mechanization and
expertise. Over the years, the bank has instituted the perfect balance by providing both consumer
and technology oriented facilities.
The bank aims at being the most client friendly bank and targets at practicing the notion of
association baking with long term and mutual customer liaisons. It aims at offering a
comprehensive range of IT centric banking solutions. Through incessant endeavors, the bank
strive to create a market for themselves as a refined expertise-centric fiscal service institution
serving to the varied requirements of traders, corporates and personal bankers, and steadily
progress towards a fiscal supermarket.
The bank aspires towards continued expansion and higher productivity besides attaining vigorous
basics, net controlled capitals and fund sufficiency needs with the assistance of skilled and
committed personnel.
Some of the products and services offered by Bharat Overseas Bank Limited are mentioned as
below:
• Personal Banking for individuals
• Business banking for small and large scale businesses
• Corporate Banking. Through this product the bank offers a comprehensive range of finance
services to corporate houses. Some of them are long term and short term credit at
reasonable interest rates, easy repayment terms, working capital credit against bonds,
credit for export and import deals, dealing with greater volume business accounts,
providing group account facilities via several centres for the chief account and collection
finance services to the corporate workforce.
• Loan services for international business
• Special facilities for the merchants
• Attractive rate of interest on domestic savings, NRI deposits and FCNR investments at
4.00% for all the Savings Accounts.
• NRI Banking. Various categories under NRI Banking are term and reinvestment deposits at
simple and cumulative interest rate respectively. Non repatriable accounts under NRI
banking are Non Resident Ordinary Account (NRO) and Non Resident Non Repatriable
Account (NRNR); while Repatriable Type of Accounts entails Non-Resident External
Savings Account (NRESB), Non-Resident External Cumulative Deposits Account
(NREURDP) and Non-Resident External Term Deposits (NRETD)
• Other NRI facilities include loan services in lieu of NRE or FCNR Savings, endowment
prospects, trade in of personal commodities, investment in realty, Locker services,
nomination services, etc.
• Contact Details
Mumbai Office:
Bharat Chambers
22/26, K. Dubash Marg Rampart Row,
Mumbai - 400 023
Phone: 284 4451, 204 0493,283 4387
Chennai Office:
Bharat Overseas Bank Ltd,
Head Office: Habeeb Towers,
196 (Old # 756), Annasalai,
Chennai - 600 002
Thailand Office:
Post Box no 372,
221, Rajawongse Road,
Bangkok-10100
Phone: 5412, 5413, 5414
• Barclays Bank PLC
Barclays PLC is a leading British financial firm that provides financial services to its customers.
Barclays Bank India is among one of the most respected foreign bank in the country providing
services to over 9 lakh clients. Globally, Barclays PLC has been ranked as the 25th largest
company by Forbes Magazine. Datamonitor ranked Barclays as the largest financial services
provider globally with $3.7 trillion in terms of market share. Barclays has extensive international
presence in more than 50 countries in Europe, USA, Asia and Africa. Barclays Bank PLC in the
United Kingdom is the sponsor of English Professional League Football known as the Barclays
Premier League.
Barclays Bank India
The clients of Barclays Bank India consist of individuals, multi national companies, public sector
companies and a large number of small and medium enterprises. Services consisting of payment
and cash management services, trade, finance, loans, deposits and treasury solutions are offered
to clients. The consumer banking division of Barclays Bank India that was launched in 2007 offers
customers an increasing suite of products and services that are relevant both to the emerging
markets and the current market needs as well. Barclays recently launched The Latitude Club, a
global commercial banking proposition that helps corporate customers to identify international
prospective business partners.
Barclays Bank India: Commercial Banking
All the customers of Barclays Commercial Banking have a dedicated Relationship Manager to help
them manage their funds in the best possible way. The Relationship Managers have specific
industry expertise and experience to understand the financial requirements of the clients; they
also provide access to Sales Financing Managers and International Trade Managers as required.
Some of the commercial banking products of Barclays include trade & finance, deposits, treasury
solutions, payment & cash management, loans and financing.
Barclays Bank Loans
Barclays Bank India provides various types of loans to customers to take care of their financial
needs. The bank provides home loans, business loans and loans against property based on
requirements. Barclay's business loans in India can be taken by partnership firms, self employed
individuals, sole proprietorship firms and private limited companies. All the loans have easy
repayment options making it easy for everyone who take the loan to pay back the money.
Barclays Bank NRI Banking
Barclays Bank India has a wide range of financial products that are specifically designed keeping
in mind the requirement of NRI clients. Some of the facilities available to NRI clients include NRI
Home Loans, Premier NRI, Non Resident External (NRE) Savings Account, Investments and
Foreign Currency Non Resident (FCNR) Deposits.
Barclays Bank Credit Card
Barclays offers a range of credit cards that makes the whole experience of shopping a very hassle
free one. Some of the special features of Barclay's credit card consist of the freedom to decide on
the minimum amount that the customer would like to pay, assign credit limits and choose when
to receive the credit card statements. All credit cards have the highest level of protection against
frauds. Some of the cards offered by the bank include:
• TimesofMoney
• Barclaycard Gold
• Barclaycard Platinum
• Yatra Barclaycard Platinum
• Times Card from Barclaycard
• Barclays Premier League Barclaycard
• Address
Barclays Bank PLC – India Head Office

601/603 Ceejay House, Shivsagar Estate
Dr Annie Besant Road,
Worli, Mumbai – 400018
Tel: +91-22-6719 6000
Fax: +91-22-6719 6100
• Canara Bank India
The Canara Bank of India is one of the renowned banks in the country. The bank provides
excellent services and facilities to its customers. Personal Banking, Corporate Banking, NRI
Banking and Priority & SME Credit are some of the important functions provided by the bank.
Personal Banking
Canara Bank India provides the following services under the Personal Banking section:-
• Loans
• Home Loan
• Personal Loan
• Loan against Property
• Overdrafts
Corporate Banking
Canara Bank provides par excellence services in Corporate Banking as well. These include,
• Syndication Services
• IPO Monitoring Activity
• Merchant Banking Services
• Accounts & Deposits
• Loans & Advances
• TUF Schemes
• Canara electronic Tax
Apart from these, the Canara Bank also has exciting offers and packages for NRIs.
Priority & SME Credit
The following facilities are listed under this service:-
• Priority Credit
• SME Business
• SME Marketing Desk
• Regional Rural Banks
• Consultancy Services related to agriculture
• Agri-Business Marketing Desk
• Rural Development
• Entrepreneurship Development for women
• Social Banking
Some of the loans provided by the Canara Bank include;
Bank Deposits:-
• Savings Bank Deposits
• Canara Super Savings Salary A/c
• Canara Flexi A/c
• Current Account
• Savings Bank Gold A/c
• Canara Saral
• Canara Champ
• Can Premium Current Account
Loans & Advances:-
• Housing Loan
• Loan for Personal Needs
• Loan for Personal needs of Teaching/Non- Teaching Staff
• Loan for Pensioners
• Loan against Security of Mortgage of Property
• Loan against approved Shares/Debentures/Mutual Funds
Contact Details:
Phone No:
Canara Bank Head Office
22221581/582/0490/ 0491/1788/1789/ 1790/
1984/1985/1986
• Centurion Bank Ltd
Centurion Bank, also known as Centurion Bank of Punjab, was one of the leading private sector
banks in India providing retail and corporate banking products and services. It has got an
extensive network of branches spread across the country. Currently more than 5,000 employees
work for Centurion Bank in its 403 branches. The shares of Centurion Bank were listed on the
major stock exchanges in India. These were also listed on the Luxembourg Stock Exchange.
On June 29, 2005, Centurion Bank merged with Bank of Punjab (at swap ratio to 4:9) to form
Centurion Bank of Punjab. Finally on May 23, 2008, the one of India's most renowned banks -
HDFC Bank acquired Centurion Bank of Punjab.
Brief History
Centurion Bank, a joint venture between 20th Century Finance Corporation and Keppel Group of
Singapore through Kephinance Investment, was established on June 30, 1994. Initially it started
with a network of ten branches. In the following year, Centurion Bank amalgamated 20th Century
Finance Corporation. Then came June 29, 2005 when the Centurion Bank and the Bank of Punjab
merged together to form Centurion Bank of Punjab.
In 2006, Centurion Bank of Punjab took over Lord Krishna Bank, established at Kodungallur in
Kerala. During 1960, this bank also acquired three commercial banks, viz. Kerala Union Bank,
Josna Bank and Thiyya Bank. Finally in 2008, HDFC Bank took over Centurion Bank of Punjab.
Centurion Bank Ltd offers a wide array of products and services to its customers across the
nation. Following are the products and services offered by Centurion Bank Ltd.
I. Personal Banking
o Savings Bank Account
o Current Account
o Fixed Deposits
o Gift Card
o Global Debit Card
o Visa Money Transfer
o Miracle Credit Card
o Premium Pay
o Pay Instant
II. Retail Loans
o Property Loans
o Auto Loans
o Commercial Vehicle Loans
o Two Wheeler Loans
o Agriculture Loans
o Construction Equipment Loans
o Education Loans
III. Wealth Management
o Insurance
o Mutual Funds
o Portfolio Tracker
o Equity
o Broking Services
o Fixed Income Product
o IPO Buzz
o Corporate Banking
o Trade Finance
o Channel Finance
o Corporate and SME
o Treasury
o SME Customer Referral Scheme
o Financial, Institutional and Govt.
IV. Forex
V. NRI Services
VI. Demat
VII. Cash Management
VIII. Senior Citizens
IX. ePay Solutions
X. Bill Pay
Address
Centurion Bank Ltd
1201, Raheja Centre
214, Free Press Journal Marg
Nariman Point
Mumbai - 400 021, INDIA
Tel: +91-22-22047234 / 38
Fax: +91-22-22845860
• Citibank
Citibank was founded in India in the year 1902 with its head office located at Mumbai, the
commercial hub of the nation. Citibank India has carved a niche for itself in the area of providing
topnotch consumer finance lending services. The products offered by the bank are also
thoughtfully designed and plenty in number.
Background of Citibank
Citibank belongs to Citigroup, which is a well recognized financial services company. It was
started in 1812 and is reckoned amongst the largest banks in the United States. The New York
based bank was firstly christened as City Bank of New York, which later became to be known as
the First National City Bank of New York.
Citibank is spread across more than 100 nations around the globe. Its areas of expertise include:
• Banking services
• Insurance
• Investment
• Credit card
According to reports, Citibank boasts of a base of 15 million users, who are served by its online
services division alone. Hit by one of the worst financial recession effects in 2008, the Citibank
received a stimulus package of US$ 50 billion from the US government in two parts.
Products and Services of Citibank India
The various products and services of the Citibank in India encompass following range:
Deposit Accounts
• Current Accounts
• Savings Accounts
• Term deposits
Investments
• Mutual Funds
• Demat
• Deposits
Banking Services
• CitiGold Wealth Management
• Suvidha Savings Account
• Debit Cards
• Citibanking
Insurance
• Life Insurance Solutions
• Credit Insurance
• Travel Insurance
• Health Insurance
NRI Services
• Rupee Checking Account
• Dollar Checking Account
• FCNR India Deposits
• Home Loans
Loans
• Loan against Shares
• Personal Loans
• Home Loans
• Ready Credit
Online/Mobile Services
• Bill Payment
• E-Statement
• E-Commerce
• CitiAlert
Credit Cards
• Jet Airways Citibank Platinum Credit Card
• Citi Titanium Cash Rewards Credit Card
• IndianOil Citibusiness Gold Credit Card
• Jet Airways CitiBusiness Credit Card
• First Citizen Citibank Credit Card
• Citi Platinum Select Credit Card
• Vodafone Citibank Credit Card
• Citibank Platinum Credit Card
• Citibank World Money Card
• Citibank Ultima Credit Card
CitiBusiness
• Personal Wealth Management
• CitiBusiness Card
• Current Account
• Loans
Citibank India Branches
The wide reach of the Citibank India can be gauged in terms of its presence in around 28
locations. The branches are operational at Delhi, Noida, Gurgaon, Chandigarh, Jalandhar,
Ludhiana, Nashik, Surat, Bhopal, Indore, Vadodara, Ahmedabad, Aurangabad, Mumbai, Vapi,
Pune, Kolkata, Faridabad, Lucknow, Bhubaneshwar, Jaipur, Akola, Chennai, Bangalore,
Hyderabad, Coimbatore, Cochin (Kochi), and Pondicherry.
Head Office of Citibank India
Citibank Center,
7th Floor, Bandra Kurla Complex,
Bandra (E),
Mumbai - 400 051
•
• Corporation Bank
The Corporation Bank in India started its journey in the name of the Canara Banking Corporation
(Udupi) Ltd in 1906 with a sum of Rs. 5000 only in a small town of Udupi near the city of
Mangalore in Karnataka.
Corp Bank received RBI license in 1952 and saw a merger with the Bank of Citizens in 1961. In
the month of April 1980, it was given a status of nationalized bank. From the time of its
establishment till today, the bank has never looked back. Currently it is one of the well recognized
Public Sector Banks in India.
Today, Corporation Bank India is identified with dynamic services of its young and dedicated
staffs, who know no bounds. It runs more than 600 ATMs extending across 21 States and 2 Union
Territories. It shares ATM network with Andhra Bank, ING Vysya Bank Ltd. and IndusInd Bank
Ltd.
Products and Services of Corporation Bank India
Customers of the Corporation Bank enjoy a vast range of products and services, comprising:
• Credit Card & Debit Card Services
• Value Added Banking Services
• Corporate Banking Services
• Personal Banking Services
• Internet Banking Services
Customers looking for corporate and international business support can look for its personalized
services like Gold Card Scheme for Exporters. The bank has introduced an effective range of
products and services to meet the needs of the customers who run Micro and Small Enterprises
(MSE). Forex, Cash Management, Project Finance, Corp Vyapar, Corp Rental and Working Capital
are just to name a few of them.
For NRI customers, the Corporation Bank arranges for Speed Cash and Speed Remittance, Corp
Quick Remit, loans, deposits and portfolio services. Forex Facilities for Residents, NRIs or PIOs
are also available.
In the field of personal banking services, any customer can seek services like Corp Pragathi
Account, Current Account, Term Deposit, EMI / Deposit Maturity Calculator, Home Loan and
Insurance, Savings Bank A/C and Loans. This bank assists in the sale of gold coins and bars. For
the convenience of the customers, ATM Locator has also been introduced.
Branches of Corporation Bank India

The branches of the Corporation Bank India are located at all the key destinations like Bangalore,
Belgaum, Bhopal, Chandigarh, Chennai, Coimbatore, Delhi, Goa, Mumbai, Gujarat, Hassan, Hubli,
Hyderabad, Kerala, Kolkata, Lucknow, Pune, Udupi and Vijayawada.
Awards and Recognition of Corporation Bank India
In its journey to cater successfully to the needs of valuable customers, Corporation Bank has
bagged many awards and accolades. Some of them are as follows:
• National Award for Assistance to Exporters
• Gem & Jewellery Export Promotion Council Award (it won this award 5 times in a row from
1981 to 1985)
• Shiromani Award for Banking
• Best Bank Award for Excellence in Banking Technology
• Best Bank Award for Innovative Usage and Application on INFINET (Indian Financial
Network)
• Best Bank Award for Delivery Channels
• Runner-up Awards in the categories of "Best Online and Multi-channel Banking Team" and
"Outstanding achiever of the year-corporate".
Corporation Bank has been recognized as one of the Best Public Sector Banks in India by Business
Today on 26 February 2006. Prior to this, Forbes Global announced it one of the Best 200/100
companies in Asia/Pacific and Europe. Outlook Money called it Best Public Sector Bank in India
and The Asian Banker said it to be the strongest bank in India and second strongest in Asia.
Head Office of Corporation Bank India
Corporation Bank,
Mangaladevi Temple Road,
Pandeshwar,
Mangalore - 575 001
Karnataka, India
Tele: 91-824-2426416 to 420

Fax: 91-824-2440964
•
• Cosmos Co-operative Bank
Initiated in the year 1906, the Cosmos Co-operative Bank Ltd is widely known as for its excellent
services. Being the oldest municipal co-operative banks in India, Cosmos is at present the nation?
s foremost organized Co-operative banks with its multi state presence.
Cosmos Co-operative Bank Ltd, over the years, has carved a market for itself in the metropolitan
banking segment, facilitated by its affluent legacy, honesty, devotion to the discreet banking
measures and technology driven client facilities. It has also accomplished comprehensive
expansion not only in context of monetary pointers or levels but also in general growth of
measures.
The fiscal arrangement of Cosmos Co-operative Bank Ltd in the year 2009 was Rs. 10946.37 crs
entailing investment worth Rs Rs.6843.02 crs and credits worth Rs. 4004.36 Crs. The bank
functions through its 96 sub divisions and 8 annex segments spread across the nation. Some of
its major branches are in the states of Maharashtra, Gujarat, Karnataka, Madhya Pradesh,
Bangalore and Andhra Pradesh.
Landmarks Achieved
Some of the landmarks achieved by Cosmos Co-Op. Bank Limited are mentioned as below:
• The foremost co-op bank with multi state presence that deployed nationalized banking
network
• It has a set up of 93 subdivisions, provincial divisions and headquarter inter linked via the
information hub located at Maharashtra.
• It provides 24/7 banking services through its various ATM set-ups
• Deployment of around 96 ATM's near each of its subdivisions
• Around 55,000 ATMs are linked via NFS and Bancs joint venture.
• It offer sweep service of capital transfer between bank accounts of clients
• It provides the facility to reassign capitals immediately to any account in their subdivision
set-up
• Providing RTGS or NEFT facility for immediate capital transmittal
• Provision for franking service
• Provision for online tariff imbursement service
• Account transactions are accessible via e-mails
• Availability of intermittent interest on Fixed Deposits in expend via the Electronic Clearing
Scheme (ECS).
• Availability of SMS service for bank account balance, details of previous bank transactions
and other status.
• Availability of recognition by Pune Corporation Tax
• Facility for cell phone and telephone bill imbursement besides payment of premiums
Some of the products and services offered by Cosmos Co-Op. Bank Limited are:
• Deposit Schemes such as Cosmo Umbrella, Janasanchay savings scheme, cosmos kishor
scheme, flexi-fixed deposit scheme, etc
• Loan Schemes with loans of upto Rs 2 Lakhs at 14.50% of rate of interest on yearly basis.
• Foreign Exchange Business for NRIs. Accounts available under this category are Non
Resident Ordinary Account (NRO), Non Resident External Account (NRE), Foreign Currency
Non-Resident Account (FCNR) and Exchange Earner Foreign Currency A/c (EEFC)
• Demat account services
The details of financial report of Cosmos Co-Op. Bank Limited as on 2009 are as under:
• Share Capital estimated as on the year 2009 is Rs 87 Crores
• Reserves estimated as on the year 2009 is Rs 613 Crores
• Net Worth estimated as on the year 2009 is Rs 700 Crores
• Credits estimated as on the year 2009 is Rs 6656 Crores
• Advances estimated as on the year 2009 is Rs 3896 Crores
• Endowments estimated as on the year 2009 is Rs 2869 Crores
• Profit estimated as on the year 2009 is Rs 90 Crores
• Working capital estimated as on the year 2009 is Rs 7563 Crores
• Contact Details
Headquarters
Cosmos Heights,
269/270 Shaniwar Peth,
Pune ? 411030
Maharashtra
India
Tel: + 91-20-24409100
Fax: + 91-20-24453816
E-mail: info@cosmosbank.in
Mumbai Office
36 A, Maru Niketan D.L.,
Vaidya Road
Dadar (W)
Mumbai - 400 028
Maharashtra
India
Tel: +91-22-43606000 to 43606099
Fax: +91-22-24331167
E-mail: mro@cosmosbank.in
Gujarat Office
Cosmos Bank Bhavan,
Opp. Sales India,
Income Tax,
Ashram Road,
Ahmedabad- 380009
Gujrat
India
Tel: +91-79-2754 2174 / 75
Fax No.: +91-79-2754 4568
E-mail: ahmedabad@cosmosbank.in
• Ceylon Bank
Bank of Ceylon India is one of the well known foreign banks which have branches in India. It is a
premier bank in Sri Lanka and is known for its facilities and services of high standards. Due to its
popularity and repute, more and more people in the Indian sub continent are opting for the
services in Bank of Ceylon India.
Growth of Bank of Ceylon India
The Bank of Ceylon India is also known as Ceylon Bank. It is referred to in its abbreviated name
“BOC” as well. It is a well-known government owned and controlled commercial bank. The
headquarters of the bank is located in the city of Colombo while it has around 303 domestic and 3
overseas branches. There is also an off shore banking unit which looks after the online
transactions and other formalities.
The Bank of Ceylon has its office and branch in India in Chennai. The bank was set up and started
its operations in Sri Lanka in the year 1939. Since its inception, the bank has been providing
customized solutions and services in a number of financial fields and segments to become a
trusted name in the banking industry. The Bank of Ceylon also established the Merchant Bank of
Sri Lanka in the year 1982 for better reach and reception among the target market. The BOC
Property Development Ltd was also established during the same time. Over the years, the bank
also introduced the Ceybank Visa Credit Cards with a venture with VISA International. Some basic
facts about the Bank of Ceylon India are:
Type Public
Founded 1939
Headquarters Colombo in Sri Lanka
Areas Served Sri Lanka, Maldives, India, United Kingdom
Products Banking and financial services
Products and services of Bank of Ceylon India
Bank of Ceylon India offers an array of specialized facilities and services for its customers. The
best think about these services is that they are designed keeping in mind the changing trends in
the market. By being a customer of the bank, customers and enjoy great financial stability. Some
of the well known segments in which the bank offers services are:
• Offshore banking
• International and Treasury services
• Development banking
• Online banking
In case of personal banking, the Bank of Ceylon India is a trusted name. One can avail of a wide
range of services and solutions by being covered in this segment. Some of the specialized
facilities and personal banking services offered by the bank consist of current accounts, savings
accounts, foreign currency deposits, term deposits, debit and credit cards and SIERA accounts.
Due to the high quality corporate banking facilities, renowned corporate houses and companies
are becoming trusted customers of the Ceylon Bank. The corporate banking services offer the
customized services which are meant to fulfill various business and marketing needs of the
companies. Some of the well known services that are offered in this segment are:
• Advances
• Bank Guarantees
• Funds Transfer
• Trade Finance
• Deposits
Bank of Ceylon also takes part in a number of development activities. The main objective of these
services is to add to the overall economic scenario of the country as well as the world. The
development banking activities are designed in a way to create a favorable environment for the
economy to flourish. Some of the well known banking services undertaken by the bank are:
• Housing
• Transportation
• Small & Medium Enterprises
• Consumption
• Education
• Micro Farming
• Micro Enterprises
• Fisheries
• Agri Business
To increase its customer base, Bank of Ceylon India has also introduced personal banking
schemes. They are hassle free and very cost effective as well. By being enrolled under the online
banking services, customers can enjoy fast and yet secure means of financial and banking
transactions. One can opt for BoC e-cash services, BoC Online services and BoC e-Bank services.
• Bank of Ceylon Loans
• Bank of Ceylon Jobs
• Bank of Ceylon Online Banking
•
• Catholic Syrian Bank
Ranking among the well known private banks in India, the Catholic Syrian Bank is an organization
that is preferred by lots of customers across the country. It offers a number of customized
solutions and services of high standards to fulfill the needs and preferences of the customers and
help them to enjoy financial stability. The Catholic Syrian Bank has a strong presence in the rural
areas in India and is a well known financial organization related to the agricultural sector.
Growth of Catholic Syrian Bank
The Catholic Syrian Bank was established in the year 1920 in the region of Thrissur in the state of
Kerala. The main headquarters of the bank is located in the city of Thrissur. The bank started its
operations from the first of January in the year 1921 and since then, it has spread its branches
and become a reputed name in the banking industry. When the bank started its operations, it had
an initial authorized capital of Rs 5 lakh while the paid up capital amount was around Rs 45,270.
Since then, the bank has significantly increased its operations and today it has around 334
branches and around 125 ATMs. The net profit of the bank now amounts to around Rs 36.56
crore. Around 80% of the branches of the bank are located in the rural and semi urban areas of
the country.
In the year 1969, the Catholic Syrian Bank was granted the status of a Scheduled Bank while in
the year 1975, it was adjusted as the 'A' Class Scheduled Bank after the deposits became more
than Rs. 25 crore. In addition to the domestic branches, there are around 5 NRI branches of the
bank as well as 5 Industrial Branches, 5 SSI Branches and 4 Service Branches. All these branches
work in coordination with each other and offer the high class facilities and services.
Products and services of Catholic Syrian Bank
The products and services of the Catholic Syrian Bank are meant to provide utmost customer
satisfaction. By being a customer of the bank, one can be assured of financial stability and high
returns. Some of the well known segments under which the services of the bank are based are:
• Insurance
• Loan and financial services
• Advances
• NRI services
All these segments take care of the needs and preferences of the customers and also keep pace
with the changing trends of the market.
Insurance is a major part of the products and services of Catholic Syrian Bank. There are long
term insurance benefits as well as short term insurance benefits. One can avail car insurance,
health insurance, housing insurance and lots more from the bank. Some of the popular insurance
products that are offered:
• Classic Life Premier
• Simply Life
• Supreme Life
• Children's Dream Plan
• CSB Health Care Support
• CSB Travel Support Scheme
NRI facilities and services of Catholic Syrian Bank
To increase its overseas presence, the Catholic Syrian Bank offers a number of high class services
and financial solutions to the Non Resident Indians. Most of the banking transactions are carried
online which makes it more hassle free, easy and convenient. Some of the well known accounts
which are offered by the bank are:
• FCNR Account
• RFC Account
• NRO Account
• NRE Account
In addition to these, the bank also offers loans and advances for NRIs who wish to set up
business and commercial bases in India. Some of them are:
• Both short term and long term loans in lieu of the term deposits for purposes other than
undertaking any types of investments in the country.
• One can also get loans for taking flats or houses in any part of the country.
• Loans are also provided against the shares and other forms of securities and various
categories of immovable properties However, agricultural land or farm houses should not
be included.
• Loans are provided in lieu of the Resurgent India Bonds (RIBs). The loans are provided for
business purposes or personal requirements
• Housing loans are provided for the acquisition and modernization, repairs and renovation
purposes.
For further information on this bank click the following links:
• Catholic Syrian Bank Ltd Jobs
• Catholic Syrian Bank Ltd loans
• Catholic Syrian Bank Ltd loans Online banking
•
• DBS Bank Ltd.
DBS Bank Ltd. is one of the well known international banks which have their presence in India. It
has become a well known name in the field of banking industry for its cutting edge facilities and
services. More and more people and corporate firms across the world are opting to become
customers of the DBS Bank Ltd in order to get greater returns and long term stability.
Growth of DBS Bank Ltd

The headquarters of DBS Bank Ltd is located in Singapore. It was established in the year 1968,
the main aim of which was to provide development banking services and financial solutions. It
was previously known as the Development Bank of Singapore Limited and in the year 2003, the
name was changed into DBS Bank Ltd. In addition to the development purposes, the bank also
used to serve as a regional bank and started operations likewise from July 2003.
Since its inception, the bank has been scaling new heights and today it has more than 200
branches. It is the largest bank in South East Asia based on the amount of assets. The bank is a
known name in the segments of asset management, security and brokerage, treasury and market
trading, equity trading and debt fund raising services and so on. The main markets are based in
Hong Kong and Singapore.
DBS Bank Ltd has been provided with AA and AA1 credit ratings for its high standard services.
The bank has branches in more than 50 cities and around 1,000 ATM counters. More than 14,000
people work in the bank and enjoy a successful career.
Indian presence of DBS Bank Ltd

DBS Bank Ltd also a strong presence in India due to its credible and professional approach. The
bank first began its operations in the year 1994 in the city of Mumbai. The branch became fully
operational in the year 1995. The bank established the second operational branch in the year
2005 at New Delhi. It also started a venture with Cholamandalam Investments and Finance
Company Limited in order to introduce the Cholamandalam DBS venture in the market.
Today, the bank has its branches in 6 cities across the country like Mumbai, Bangalore, Kolkata,
Chennai, New Delhi and Pune.
Products and services of DBS Bank Ltd

The products and services of DBS Bank Ltd are based on a number of segments. The services are
meant to provide high satisfaction and financial stability to the customers. Some of the facilities
under which the services of the bank are based on are:
• Wealth Management
• Financial Institution Banking
• NRI Services
• Savings and Deposit schemes
• Corporate Banking services
• Treasures Priority Banking services
Corporate Banking is one of the major services that are offered by the DBS Bank Ltd. The
services that are offered are based on the latest business trends and market values. Due to the
wonderful services, more and more renowned corporate firms across India are opting to become
customers of the bank. By being enrolled under corporate banking, one can enjoy a number of
products such as:
• Capital Market services
• Cash Management services
• Electronic Banking Services
• Securities and Fiduciary Services
• Trade Finance services
In case of enterprise banking, DBS Bank Ltd is also a well known name. The dedicated and highly
professional team of banking and relationship managers provides utmost expertise and every
type of information that customers wish to get. The bank also conducts research and
development work in competitive way to know more about the latest trends of the market.
Career in DBS Bank Ltd
Making a career in DBS Bank Ltd is a great option. Being one of the premier banking
organizations in South East Asia, the bank is a great place to work to start a highly successful
professional life with plenty of perks and benefits. For youngsters, the bank is a great place to
start a successful career.
•
• Dena Bank
Dena Bank is one of the earliest national banks in India. Since its inception, the bank has become
a renowned name in the field of banking and financial solutions. It is trusted all over the country
by thousands of consumers. By being a customer of Dena Bank, one can easily enjoy financial
stability and also get good returns on the services and the financial solutions.
History
Dena Bank was established in the year 1938 on the 26th of May. It was set up by the family of
renowned Devkaran Nanjee. The initial name of the bank was Devkaran Nanjee Banking Company
Ltd. In the month of December in 1939, the bank became a Public Company and changed its
name to Dena Bank Ltd. It was in the year 1969, that Dena Bank was made a national bank and
the term Ltd was dropped from the name.
Dena Bank is one of the well known banks in the country and has a very good market share.
Today, the bank has around 240 branches and around 150 ATMs across the country. The bank
has already provided around 1.8 lakh debit cards to the account holders.
Dena Bank is one of the 6 public sector banks which have been sanctioned by the World Bank for
the process of sanctioning of a loan of Rs.72.3 crore. The loan was given for the purpose of
development in the year 1995. The World Bank has also provided the bank with technological
training and expertise for the upgradation of its services.
The bank is also credited with the introduction of a credit card facility in the rural sector of India
named as "Dena Krishi Sakh Patra". It was also created a Drive in ATM counted in Juhu in
Mumbai. In order to enable customers to rate the services, the bank has also introduced the
customer rating system.
The products and services of Dena Bank are based on a number of segments and services. They
are:
• Financial facilities
• Core banking solutions
• NRI services
• Loans and credits
In case of the personal banking segment, the bank offers a number of schemes to help the
customers have a high rate of return. Some of the popular schemes that are offered by the bank
include:
• Dena Cash certificates
• Deposit schemes
• Dena Maha Tax Bachat
• Dena Vidya Laxmi
• Dena Niwas
The credit card offered by Dena Bank is preferred by the customers for a number of high class
solutions. The credit can be used all over India and Nepal. Some of the benefits that are offered
in the credit card are:
• Lost Baggage Insurance Cover
• Accident Insurance Cover
• Loss of Goods insurance Cover
• Mediclaim Insurance
Dena Bank Electronic Fund Transfer is one of the major services offered by Dena Bank. By being
covered under this scheme, customers can get the benefits of inter-bank, intra-bank and inter-
city transfer of money. The service is available in number of cities such as:
• Kolkata
• Bangalore
• Chennai
• Guwahati
• Mumbai
• New Delhi
• Nagpur
• Bhubaneshwar
• Hyderabad
Contact:
Corporate Headquarter
Dena Bank,
Dena Corporate Centre
C-10, G Block, Bandra-Kurla Complex
Bandra (E)
Mumbai- 400 051
Phone number: (022) 26545035
Dena Bank,
International Division
17/B, Horniman Circle, 3rd Floor, Fort,
Mumbai - 400 023.
Phone number: 91-022- 22616397 / 22624215
For further information please click the following links

• Dena Bank Loans
• Dena Bank Jobs
• Dena Bank Online Banking
• Dhanlakshmi Bank Ltd
About Dhanlakshmi Bank Ltd
Dhanlakshmi Bank Ltd is a private sector bank located in the city of Thrissur, Kerala. The bank
functions under the smart guidance of Mr. G.N. Bajpai and Mr. Amitabh Chaturvedi. G.N. Bajpai is
the chairman of the bank and Amitabh Chaturvedi is its Managing Director and CEO.
Operating in full force mainly in Southern States of India including Tamil Nadu, Karnataka, Andhra
Pradesh and Kerala, the Dhanlakshmi Bank was started with an initial investment of Rs.11, 000
only. In the year 1977, it achieved a status of the Scheduled Commercial Bank.
Its remarkable performance in the field of banking services has won it Reserve Bank of India's
approval to launch 66 branches and 380 ATMs all over India in 2009. With this massive expansion
plan, the total count of the customer outlets of Dhanlakshmi Bank Ltd will grow from 279 to 725.
Besides, on 28th September 2009, it received an award for the best bank in the private sector.
Overview of Dhanlakshmi Bank Ltd

The Dhanlakshmi Bank Ltd was opened with the clear mission "To become a strong and
innovative bank with integrity and social responsibility and to maximize customer satisfaction and
the satisfaction of its employees, shareholders and the community".
On 31st March 2009, the bank did a business of Rs 8,212 crore inclusive of Rs 4,969 crore
deposits and Rs 3,243 crore advances. With this the net profit of the bank soared to Rs 57.45
crore for the year concluding on 31st March 2009.
The exponential business growth of the bank in the span of 2008-09 outshined the growth rate of
entire banking industry.
Products and Services of Dhanlakshmi Bank Ltd
The products and services of the Dhanlakshmi Bank can be categorized into following types:
• Personal banking-accounts, loans, lockers, depository services & forex services
• Corporate banking-cash management, credit, salary account and forex & trade services
• NRI banking-accounts & deposits, money transfer, NRI home loans and investment
services
• Microfinance services-Dhanam Kissan Vahana (vehicle loan), Dhanam Kissan Card, Agri
Gold Loan, Micro Credit-MFI, Micro Credit - SHG
Apart from these, Dhanalakshmi Bank will soon foray into Mutual Fund Business as well for the
benefit of its customers.
Offices of Dhanlakshmi Bank Ltd

Head Office
Dhanalakshmi Buildings
Naickanal, Thrissur - 680 001
Kerala
Phone: 91-487-6617000
Fax: 91-487-6617222
Thrissur
The Dhanalakshmi Bank Limited

Punkunnam
Thrissur - 680 002
Chennai

104 & 107, Om Sakthi Towers
Anna Salai
Chennai - 600 002
Bangalore

No: 9/3, 1st Floor, Nitish Broadway
M G Road
Bangalore - 560 042
Kochi

Near A R Camp Office
Marine Drive
Kochi - 682 031
Mumbai

2nd Floor, Trade View
Kamala Mills, Near Gate No. 4
P.B. Marg, Lower Parel(W)
Mumbai - 400013
•
• Deutsche Bank India
Deutsche Bank, a leading global investment bank was established in India in the year 1980.
Known as Deutsche Bank AG, the bank launched its retail banking service in India in October
2005, followed by the launch of credit card services in July 2006. Deutsche Bank India offers its
clients a complete suite of high end products and services to make them undergo an excellent
banking experience. Currently Deutsche Bank India employs more than 4000 thousand people
and has branches in various cities of India, including New Delhi, Mumbai, Chennai, Kolkata
Bangalore, Gurgaon, Pune, Salem, Vellore, Aurangabad and Noida.
Services of Deutsche Bank India

Deutsche Bank India offers its clients a comprehensive range of services. Some of the services
consist of daily banking in Savings and Current Account, Fixed Deposits, Loans to individuals and
business units, Investment and Insurance. The bank works towards planning a robust financial
and wealth planning for clients. Deutsche Bank India provides services to institutional, corporate,
and individual clients in India. Deutsche Bank has multiple access channels to their customers in
the form of ATM Banking, Phone Banking and Online Banking facilities. Some other services
offered by the bank in India include:
• Loan
• Credit Card
• Private Banking
• NRI Banking
• Online Banking
• ATM Banking
• Phone Banking
• Mobile Banking
The bank provides a host of online services that makes it convenient for clients to avail all the
services by sitting in the comfort of their homes. Clients can manage their accounts and carry out
various transactions through the online services provided by the bank. Deutsche Bank India
provides credit cards to its clients based on varied requirements. Deutsche Bank Landmark Credit
Card, Classic Credit Card, Corporate Credit Card, Miles & More Credit Card, Platinum Credit Card
are the various credit cards offered to customers by the bank.
Deutsche Bank India Awards and Recognitions

During the course of its operation in India, Deutsche Bank has earned several laurels and
recognitions. The bank has been performing consistently to cater to the varied clients
requirements in India. The bank has bagged several recognitions from the Indian Industry. Some
of the prominent ones are:
• Best Bank in India 2008 by The Asset
• Best Sub-Custodian India 2009 by The Asset
• Best Private Bank in India 2008 by Asiamoney
• Best Equity House in India 2008 by The Asset
• Best Foreign Investment Bank, India, 2004 by Finance Asia
• Best Foreign Cash Management Bank, India, 2006 by Asia Money
• Best Cash Management Specialist 2008 by The Asset
• Financial Express Award for Growth 2008 & 2007 by Financial Express
• Award for Outstanding Contribution towards the Promotion of Indo-German Economic
Relations, 2006 by The Indo-German Chamber of Commerce
• Best Foreign Custodian Bank, India, 2005 by Global Custodian
Deutsche Bank India NRI Banking
The NRI Banking solution of Deutsche Bank consists of a range of financial solutions featuring
unique benefits and privileges. Under financial planning, the bank makes use of a structured
approach to assess client requirements and develop solutions accordingly. Deutsche Bank offers a
higher rate of interest to customers and keeps their funds totally secure.
• Development Credit Bank
Development Credit Bank Ltd is one of India?s most preferred private sector banks. With over 80
well-equipped sub-divisions spread across twelve states of India, Development Credit Bank has
been a major contributor in introducing many value added measures in Indian banking sector.
The bank offers an exhaustive range of hi-tech products for clients in small and medium
enterprise, trade and business banking market section in selected regions.
DCB has strong foundation in India since its inauguration in the year 1930. Aga Khan Fund for
Economic Development (AKFED), endorser of DCB possesses over 23% rights in the company.
AKFED is a global development group focuses to encouraging private enterprise and creating
financially strong firms in the expanding markets. The group has co-sponsored HDFC in Indian
banking market and now functions as a set-up of associates entailing 90 different project firms.
Providing job prospects to more than 30,000 individuals, the firm has registered yearly incomes
of USD1.4 billion. The group is active in more than 15 nations in the expanding economy.
• Services for resident Indian clients
Mentioned below is the list of products and services offered by Development Credit Bank
Ltd to its resident Indian clients:
Account Services
o Current Account
o Savings Account
Savings Services
o Fixed Deposits
Credit Facilities
o For Business
o Credit Against Gold
o Construction Tools Credits
o Auto Credit
o Business Vehicle Credits
Endowment Facilities
o Life Insurance
o General Insurance
o Demat Account Services
o Mutual Funds
o Licensed Banking
o Smart Business facilities
Other Services
o Electronic Funds Transfer (EFT) Services
o Account Statement by E-Mail
o Card to Card Money Transfer Services
o Telephone Phone Banking
o E-mail Banking
o Cell Phone Banking Services
o Global Debit Card Services
o Visa Money Transmittal Services
o Cash Chests
• Services for SME clients
Ltd to its SME clients:
The bank identifies with the commercial requirements and consequently provides well-
adapted SME services at reasonable interest rates and guidelines that go well with their
business. The bank provides an entire set of SME commercial services ranging from loan
facilities for satisfying the incessant capital needs of the merchants to a range of business
credit products and wealth management services. Some of the loan and services offered
by the firm are
o Loans for Small and Medium Enterprises
o Wealth Management Facilities
o Commercial Online Banking
o Business Finance
o Credits
Ltd to its corporate clients:
DCB aims to partner their corporate clients in their expansion process and help them to
create enduring relationship with them that is both significant & jointly valuable.
Through their business banking segment the bank provides a range of products
encompassing interim business credit and other solutions as well. Some of the corporate
services provided by the bank are:
o Gold Card Plan for the Exporters
o Coffers Services
o Rate of Interest on credits and advances
o Business Banking
o Service tariffs - Business Banking
Contact Details
Mumbai Office
906 Raheja Chambers Nariman Point,
Mumbai - 400021
Maharashtra
India
Tel: 022 ? 22046406
Bangalore Office
650/12 Beem Avn1 Mn
D Block
Dr Raj Road Rj Nagar
Bangalore 560010
Karnataka
India
Tel: 080 ? 23132988
Delhi Office
13 Surya Niketan,
Delhi 110092
India
Tel: 011 ? 22376436
Pune Office
Rohit Building,
D Gym Office,
J M Road Hotel
Central Park
Pune 411004
Maharashtra
India
Tel: 020 - 25520962
•
• Export-Import Bank Of India
About Export-Import Bank of India The Export-Import Bank of India, also known as Exim Bank of
India, is the leading export finance institution in the country. The bank was set up in the year
1982 under the Export-Import Bank of India Act 1981. The Government of India launched the
Export-Import Bank Of India with an aim to augment exports from India and also to combine the
country's foreign trade and investment with the overall economic growth. The bank began its
operations as a supplier of export credit, but has over the period evolved into an institution that
plays a major role in partnering Indian Industries including small and medium enterprises.
Export-Import Bank Of India Initiatives

Export-Import Bank of India has been one of the prime institutions that encourages project
exports from India. The bank offers wide-ranging services for enhancing the prospect of Indian
project exports. Exim Bank's Overseas Investment Finance program gives a variety of facilities for
Indian reserves and acquirements overseas. The facilities consist of direct equity participation by
the bank in the overseas venture and non-funded activities by the overseas venture and loan to
the Indian companies for equity participation in the venture abroad. As part of Exim Bank's
marketing Finance Program, the bank offers support to small and medium enterprises in their
export marketing efforts consisting of financing the soft expenditure linking to completion of
tactical and systematic export market development plans.
Export-Import Bank Of India Objective
The primary objective of the Export-Import Bank of India is to provide financial assistance to
importers and exporters and function as the top financial institution. Some of the services of the
bank include: overseas investment finance, film finance, export credit, finance for export oriented
units and agricultural & SME finance. In the period of 2005- 2006 the total amount of loan given
out by the bank amounted to 150,389 million, while this figure shot up to Rs. 220,760 million in
the flowing year.
Export-Import Bank Of India and Foreign Trade
Export-Import Bank of India plays the role of source of finance, promoter, coordinator and
consultation to India's Foreign Trade. The bank is the coordinator of the Working Group
Mechanism for the clearance of projects, service exports and deferred payment exports. This
group comprises of Exim Bank and Government of India representatives from the Ministries of
Finance, Commerce and external Affairs, Export Credit Guarantee Corporation of India Ltd,
commercial banks that are certified foreign exchange dealers and the Reserve Bank of India. This
working group gives clearance to contracts sponsored by Exim Bank or commercial banks and
operates as a single window mechanism for clearance of export proposal terms.
Export-Import Bank Of India Address
Centre One Building, Floor 21 World Trade Centre Complex
Cuffe Parade
City: Mumbai
Pin: 400 005
State: Maharashtra
Phone No.: +91-22-22185272
Fax: +91-22-22182572
• Federal Bank India
Federal Bank is a private sector bank in India. The head office of this prestigious bank is located
at Aluva, Kerala. By 2008, the Federal Bank India had successfully introduced 671 branches and
681 ATMs across the nation. In the month of March of 2008 alone, the bank had opened 26
branches across 11 Indian States.
Federal Bank India is well recognized for facilitating even the smaller branches consisting of rural
and partially-urbanized areas with technology enabled services.
Background of Federal Bank India
Previously known as Travancore Federal Bank Limited, the Federal Bank Limited in its entire span
of customer services has seen both ups and downs. The bank started with an auction-chitty
business along with other banking transactions related to agriculture and industry. In the year
1945, the paid-up capital of the bank touched Rs.71000 and a new Board of Directors was
constituted. During this period, the bank also incorporated new Articles of Association. The same
year its branch was opened at Aluva.
Subsequently, Federal Bank came with its branches in Angamally (1946) and Perumbavoor
(1947). However, it came with a massive expansion plan in the years 1975 and 1976 by opening
53 and 42 branches respectively.
From that time onwards till today, the bank has continued to incorporate the effective changes to
ensure smooth banking experience for its customers.
Products and Services of Federal Bank India
Federal Bank India extends a wide range of products and services to its customers to ensure
them maximum benefits and a happy banking experience. The range is inclusive of:
• Debit Cards
• General Insurance Products in association with United India Insurance
• Export Credit Insurance Products in association with ECGC
• Express Remittance Facility from Abroad - FEDFAST
• Cash -On- Line Express Cash Remittance
• Life Insurance Products in association with IDBI Fortis
• Lock Box Service for US-based NRIs
• Merchant Banking Services
• E-shopping Payment gateway
• BSNL Bill Payment
• Easy Pay- On-line fee payment system
• Online LIC Insurance Payment
• Online Kiosks for customers
• Online Railway Reservation System
Pioneering Services by Federal Bank India
In its attempt to serve customers with the best and to provide them an easy means of banking,
Federal Bank in India has come up with many first of its kind services and products that re-
defined the entire banking scenario of India. These are:
• Launched Internet Banking Service via FedNet among all the traditional banks in India
• Made its branches automated
• Inter-connected all its branches
• Started Electronic Telephone Bill Payment
• Introduced e-shopping payment gateway
• Offered Mobile Alerts and Mobile Banking service
• Devised a way for Express Remittance Facility from Abroad
• Provided RTGS facility in all its branches
• Head Office of Federal Bank India
The Federal Bank Limited,

Federal Towers,
Aluva - 683 101,
Kerala
Ph: +91-484-2623620 to 29
Fax: +91-484-2622672
• Global Trust Bank Ltd
Global Trust Bank Ltd has been amalgamated with the Oriental Bank of Commerce. The merger
took place on 14th August, 2004. Global Trust Bank Ltd provided various kinds of services to its
clients prior to its amalgamation with the Oriental Bank of Commerce.
The various services provided by the Bank had been overdrafts, term loans, letters of credit, cash
credit, bank guarantees, and bill inland discounting. Global Trust Bank Ltd had also launch in
partnership with Visa, the Proton International Debit Card.
After the amalgamation, the depositors as well as the other customers of Global Trust Bank Ltd
function as the customers of the Oriental Bank of Commerce. Oriental Bank of Commerce has
taken steps in order to ensure that the customers of Global Trust Bank Ltd continue to receive
proper services. According to the Amalgamation Scheme, the shareholders of Global Trust Bank
Ltd may receive pro- rata payment, if extra money is left behind after all the liabilities of the Bank
are met with the realization of its assets.
GLOBAL TRUST BANK LTD

Managing Director: Mr Sudhakar Gande
Address: 1 - 8 - 303, Ashoka My Home Chambers
2nd to 5th Floor (Western Portion)
City: Hyderabad
Pin: 500 003
State: Andhra Pradesh
Phone No.: +91-40-27819333
Fax: +91-40-27810764
• Oriental Bank of Commerce

•
• HDFC Bank India
HDFC Bank marked the beginning of its services in the year 1995 with setting a loud and clear
message that it wants to become a "World-class Indian Bank". It always believed in winning the
hearts of its customers with quality products and services. It is the sole reason why today HDFC
has been able to achieve both national and international acclaim.
Background of HDFC Bank
Housing Development Finance Corporation Limited (HDFC) was arguably the first to obtain RBI's
'in-principle' approval to foray into private sector bank. This came into effect when RBI was
implementing liberalization process to improve the banking industry of India in 1994. In 1994, the
name changed to HDFC Bank Limited. It started its function as a Scheduled Commercial Bank in
January 1995.
Products and Services of HDFC Bank
HDFC Bank offers its customers a large number of products and services to meet their diverse
needs and requirements. The vast range of products and services of the bank is composed of:
Personal Banking
• Private Banking
• Accounts and Deposits
o Savings Accounts, Salary Accounts, Current Accounts, Fixed Deposits, Recurring
Deposit, Demat Account, Safe Deposit Lockers
• Credit, Debit and Pre-paid Cards
o Silver Credit Card, Titanium Credit Card, Value Plus Credit Card, Visa Signature
Credit Card, Corporate Platinum Credit Card, Purchase Card, EasyShop Gold Debit
Card, EasyShop International Debit Card, EasyShop International Business Debit
Card, EasyShop Titanium Debit Card, MoneyPlus Card, ForexPlus Chip Card
• Investments and Insurance
o Mutual Funds, Insurance, Tax Planning, Bonds, General & Health Insurance,
Equities & Derivatives, Knowledge Centre, Mudra Gold Bar
• Forex and Trade Services
o Products & Services, Forex Services Branch Locator, RBI Guidelines, Forex Limits
• Loans
o Personal Loans, SmartDraft, Home Loans, Two Wheeler Loans, New Car Loans,
Used Car Loans, Working Capital Finance, Commercial Vehicle Finance, Tractor
Loans, Health Care Finance, Loans Against Rental Receivables, Warehouse Receipt
Loans, Loan Against Property
NRI Banking
• Accounts and Deposits
o Rupee Savings Accounts, Rupee Current Accounts, Rupee Fixed Deposits, Foreign
Currency Deposits, Accounts for Returning Indians, Compare Accounts
• Investments and Insurance
o Mutual Funds, Private Banking, Portfolio Investment Schemes
• Payment Services
o NetSafe, InstaPay, BillPay, DirectPay, Online Donation, Visa Money Transfer
• Remittances
o Funds Transfer Cheques / DDs / TCs, Quickremit, Cheque LockBox, Quickremit
• Loans
o Home Loans, Loans Against Securities, Loans Against Deposits
Wholesale Banking
• Government Sector
• Small and Medium Enterprises
o Funded Services, Non-Funded Services, Specialized Services, Value Added Services,
Internet Banking
• Financial Institutions & Trusts
o Clearing Sub-membership, RTGS – Sub membership, Funds Transfer, ATM Tie-ups,
Tax Collection, Corporate Salary Accounts, Cash Management Services, Derivatives
Desk, Money Market Desk, Forex Desk, Custodial Service, Mutual Funds, Stock
Brokers, Insurance Companies, Commodity Businesses, Participation in RBI
Auctions, SGL Maintenance
• Corporates
o Funded Services, Non Funded Services, Value Added Services, Internet Banking,
Supply Chain Partners (Dealer Financing, Vendor Financing), Agricultural Lending
Awards and Recognition of HDFC Bank
HDFC Bank has received many awards and accolades between 2007 and 2009. The list goes like
this:
• Dun & Bradstreet – American Express Corporate Best Bank Award 2007
• Nasscom IT User Award 2008
• Asian Banker Best Retail Bank in India Award 2009
• Fe Best Bank Awards 2009
• UTI MF-CNBC TV18 Financial Advisor Awards 2009
• Euromoney Awards 2009
• Asia Money 2009 Awards
• IBA Banking Technology Awards 2009
• IDRBT Banking Technology Excellence Award 2008
• Head Office of HDFC Bank
HDFC Bank
Ramon House, 169, Backbay Reclamation,
H T Parekh Marg, Churchgate
Mumbai – 400020
For Housing Loans in Mumbai -

Phone: +91 (22) 66636000
For Deposits -
Phone: +91 (22) 66316060
For Others -
Tel: +91 (22) 66316000
Fax: +91 (22) 22048834
• Hongkong Shanghai Banking
Hongkong Shanghai Banking Corporation Ltd, also known as HSBC Bank, is a fully owned
subsidiary of the HSBC Group. The business of the bank ranges from private banking, personal
finance, and commercial banking to corporate and investment banking. The HSBC group has
more than 9000 offices in about 86 countries ranging from Asia-Pacific region, Europe, the
Americas, Africa and the Middle East. The bank provides a comprehensive range of services from
Private Banking, Commercial Banking, Personal Financial Services, Corporate, Investment
Banking and Markets. Set up in Hong Kong in the year 1865, the bank works towards fulfilling its
obligations towards customers, shareholders and employees efficiently.
Hongkong Shanghai Banking Corporation Ltd: A brief History

Hongkong Shanghai Banking Corporation Ltd was set up in by local merchants to finance and
facilitate the growing trade between Europe and China after the Opium War. The founder was a
Scotsman named Thomas Sutherland, who realized the need for local banking facilities both in
China and Hong Kong and thus worked towards establishing the bank. Over a period of time the
bank established a network of branches and agencies based mainly in China and South East Asia
and also in the Indian Sub continent, Europe, North America and Japan. Hongkong Shanghai
Banking Corporation Ltd was a pioneer of banking in many places, where the branches were set
up.
Hongkong Shanghai Banking Corporation Ltd Services
The Hongkong Shanghai Banking Corporation Ltd offers various services to its clients based on
their requirements. Some of the personal banking services offered by the bank consists
Investments, banking, Cards, Mortgages, Wealth Management, Insurance, International Services
and Loans. Major commercial banking services include Cards and Payments, Investments, Loans
and Finance, Insurance, Trade and Supply Chain, Commercial Accounts and International
Banking.
HSBC Operations
The Hongkong Shanghai Banking Corporation Ltd is a known player in banking circles for its
conservative and risk reluctant approach in undertaking its business operations. As per the Forbes
Magazine in 2008, HSBC was the fourth largest bank in the world in regards to assets amounting
to $2,348.98 billion, the second largest in regards to sales amounting to $146.50 billion and the
largest in terms of market value amounting to $180.81 billion. HSBC was also found to be the
most profitable bank in the world in the year 2007 amounting to $19.13 billion total income.
The Hongkong Shanghai Banking Corporation Ltd Global
Americas
HSBC Bank Argentina SA

The Bank of Bermuda Limited
HSBC Bank Brasil SA
HSBC Bank Canada
HSBC Chile
Banco HSBC (Costa Rica)
HSBC El Salvador
HSBC Mexico, SA
HSBC Panama
HSBC USA NA
Asia Pacific
HSBC Bank Australia Limited

HSBC Bangladesh
HSBC Bank (Chinna) Company Limited
HSBC India
HSBC Bank Malaysia Berhad
HSBC Bank (Vietnam) Company Limited
HSBC Thailand
HSBC Sri Lanka
Europe
HSBC Bank Armenia cjsc

HSBC Spain
HSBC Bank AS Turkey
HSBC Private Bank Switzerland
Middle East & Africa
HSBC Bank Egypt SAE

HSBC Bank Middle East Limited
HSBC Saudi Arabia Limited
Address
52/60, Mahatma Gandhi Road Fort
City: Mumbai
Pin: 400 001
State: Maharashtra
Phone No.: +91-22-22674921
Fax: +91-22-22658309
• ICICI Bank Ltd
ICICI Bank is the largest private sector bank in India in terms of market capitalization. It is also
the second largest bank in India in terms of assets with a total asset of Rs. 3,674.19 billion (US$
77 billion) as on June 30, 2009. For the quarter ended on June 30, 2009, the total profit after tax
has been Rs. 8.78 billion. Formerly known as Industrial Credit and Investment Corporation of
India, ICICI Bank has an extensive network of 1,544 branches with about 4,816 ATMS located
across India and in 18 other countries. ICICI Bank serves over 24 Million customers throughout
the world. It is considered as one of the ‘Big Four Banks’ in India along with State Bank of India,
HDFC Bank and Axis Bank.
ICICI Bank provides a wide array of banking products and financial services to its retail and
corporate customers. It has a wide variety of delivery channels and specialized affiliates and
subsidiaries that ensure the flow of its offerings in the areas like investment banking, venture
capital, life and non-life insurance and asset management. This bank is also India's largest credit
card issuer. The equity share of ICICI Bank is listed on various stock exchanges like NSE, BSE,
Kolkata Stock Exchange and Vadodara Stock Exchange etc. Its ADRs are also listed on the New
York Stock Exchange.
ICICI Bank also has the largest international balance sheet among all the banks in India. It is also
expanding its business in the overseas market at an enviable pace. In Q2 September 2008, ICICI
Bank recorded a 1.15% growth in net profit over Q2 September 2007 to reach at Rs. 1,014.21
crores. The current and savings account (CASA) ratio of the bank also went up from 25% in 2007
to 30% in 2008.
Subsidiaries and Branches

ICICI Bank has branches and subsidiaries in the following countries:
Subsidiaries
United Kingdom
Russia
Canada
Branches
United States
Singapore
Bahrain
Hong Kong
Sri Lanka
Qatar
Dubai
International Finance Centre
United Arab Emirates
China
South Africa
Bangladesh
Thailand
Malaysia
Indonesia
Channels
ICICI Bank has the following channels through which it offers its products and services to its
customers.
• Branches
• ATMs
• Mobile Banking
• Phone Banking
ICICI Bank offers a host of products and services to its clients, which include Deposits, Loans,
Cards, Investments, Insurance, Demat, NRI Services and Online Services etc.
Deposits
Following deposits are offered:
• Savings Account
• Advantage Deposit
• Special Savings Account
• Life Plus Senior Citizens Savings Account
• Fixed Deposits
• Security Deposits
• Recurring Deposits
• Tax-Saver Fixed Deposit
• Young Stars Savings Account
• Child Education Plan
• Bank@Campus
• Salary Account
• Advantage Woman Savings Account
• EEFC Account
• Resident Foreign Currency (Domestic) Account
• Privilege Banking
• No Frills Account
• Rural Savings Account
• People's Savings Account
• Self Help Group Accounts
• Outward Remittance
• Freedom Savings Account
• Family Banking
Loans
ICICI Bank offers following loan facilities:
• Home Loans
• Loan Against Property
• Personal Loans
• Car Loans
• Two Wheeler Loans
• Commercial Vehicle Loans
• Loans Against Securities
• Loan Against Gold Ornaments
• Pre-approved Loans
Cards
ICICI Bank is India's largest issuer of credit cards. It also offers other types of cards. The various
cards offered by ICICI bank are as below:
• Consumer Cards
o Credit Cards
o Travel Cards
o Debit Cards
• Commercial Cards
o Corporate Cards
o Prepaid Cards
o Purchase Cards
o Distribution Cards
o Business Cards
• Merchant Services
Investments
ICICI Bank facilitates a range of investment products including:
• ICICI Bank Tax Saving Bonds
• Mutual Funds
• Government of India Bonds
• Initial Public Offers (IPO) by Corporates
• Foreign Exchange Services
• ICICI Bank Pure Gold
• Senior Citizens Savings Scheme, 2004
Insurance
ICICI Bank offers various types of insurance. Customers can choose from the following:
• Home Insurance
o Health Insurance
o Health Advantage Plus
o Family Floater
o Personal Accident
• Travel Insurance
o Individual Overseas Travel Insurance
o Student Medical Insurance
• Motor Insurance
o Car Insurance
o Two Wheeler Insurance
• Life Insurance
o ICICI Pru LifeTime Gold
o ICICI Pru LifeState RP
NRI Services
Following services are offered to the NRIs:
• Money Transfer
• Bank Accounts
• Investments
• Home Loans
• Insurance
• Loans Against FD
Address
ICICI Bank
ICICI Bank Towers
C - 15, G - Block, Bandra Kurla Complex
Bandra (E)
Mumbai - 400 051
Tel: +91-22-26531414
Fax: +91-22-26531122 / 368 / 212
Web: www.icicibank.com
• IDBI Bank Ltd
The Industrial Development Bank of India Limited, popularly known as IDBI Bank is one of the
leading public sector banks in India. Categorized as "other public sector bank" by Reserve Bank of
India (RBI), IDBI Bank is also the 4th largest Indian bank. Founded in 1964 to provide credit and
other facilities to its customers, IDBI Bank currently has 457 centers, 688 branches and 1020
ATMs across the nation. It is world's 10th largest development bank in terms of reach. IDBI Bank
also built several institutions including the National Stock Exchange of India (NSE), the Stock
Holding Corporation of India (SHCIL) and the National Securities Depository Services Ltd. (NSDL)
etc.
Brief History
IDBI Bank was founded on July 1, 1964 under an Act of Parliament. It was established as a wholly
owned subsidiary of RBI (Reserve Bank of India). The ownership was however transferred to the
Government of India on February 16, 1976. It worked as the main financial institution, whose
main goal was to coordinate with other institutions associated with financing, developing and
promoting the industry. With the public issue of IDBI Bank released in July 1995, the share
holding of the Government came down below 100%. However, the majority of the share was still
owned by the government, which is currently 52.3%. IDBI Bank started offering a wide array of
products and services to its customers, which covered entire range of industrial activities
including services and manufacturing.
In September 2003, IDBI acquired the entire shareholding of Tata Finance Limited in Tata Home
Finance Ltd. Since then, the fully owned housing subsidiary was known as 'IDBI Home Finance
Limited'. Next year, on July 29, 2004, the Board of Directors of IDBI and IBDI Bank approved the
merger of IDBI Bank with the Industrial Development Bank of India Ltd. IDBI Bank also acquired
United Western Bank in 2006.
Subsidiaries
IBDI Bank has the following subsidiaries:
• IDBI Capital Market Services Limited
• IDBI Home Finance Limited
• IDBI Intech Limited
• IDBI Gilts Limited
IDBI Bank offers a wide array of products and services to its customers. For different customer
groups and needs, there are different types of products and services including Personal Banking,
Corporate Banking, SME Finance and Agri Business etc.
Personal Banking
Following products and services are offered under Personal Banking:
• Deposits
o Savings Account
o Current Account
o Fixed Deposits
o Suvidha Tax Saving Fixed Deposit
o Pension Accounts
o Sabka Account
o Super Shakti Account for Women
o Jubilee Plus Account
• Loans
o Home Loans
o Loans Against Property
o Education Loans
o Personal Loan
o Loan Against Securities
o Reverse Mortgage Loan
o Auto Loan
• Payments
o Tax Payments
o Stamp Duty payments
o EasyFill
o Bill Payment
o Card to Card Money Transfer
o Online Payments
o PayMate
• Investments Advisory
o Smart Financial Planning
o Mutual Fund
o Insurance
o Fixed Income Securities
• Cards
o Gold Debit Card
o International Debit cum ATM Card
o Gift Card
o World Currency Card
o Cash Card
o KIDS Debit Card
o Foundation Day Cash Back Scheme 2009
o Platinum Card
• Institutional Banking
o Institutional Savings Account
o Corporate Payroll Account
• 24 Hours Banking
o Phone Banking
o SMS Banking
o AccountAlerts
o Internet Banking
• Other products
o Lockers
o India Post
• Preferred Banking
• NRI Services
• Capital Market
o IPO
o Demat
Corporate Banking
Following products and services are offered by IDBI Bank for the corporates:
• Project Finance
• Infrastructure Finance
• Syndication, Underwriting & Advisory Services
• Carbon Credits Business
• Working Capital
• Trade Finance
• Tax Payments
• Derivatives
• Technology Upgradation Fund Scheme (TUFS)
• Film Financing Scheme
• Direct Discounting Bills
• Rehabilitation Finance
SME Finance
Following SME Finance products are offered by the IDBI Bank:
• Sulabh Vyapar Loan
• Dealer Finance
• Funding under CGFMSE
• Direct Credit Scheme - SIDBI
• Preferred customer scheme - IDBI Bank / SIDBI
• Vendor financing (Pre - Sale)
• Vendor financing (Post - Sale)
• Lending Against the Security of Future Credit Card Receivables
• Working Capital Financing - Software Development Entities
• Finance to Medical Practitioners
• Loan to SRWTO
• SME Hosiery Special Current Account
• Indian Overseas Bank
Indian Overseas Bank boasts of a large network of more than 598 ATMs. In the areas of Banking
and Insurance industry, Indian Overseas Bank has created a niche for itself in forex business and
overseas banking. The retail customers of the bank are hugely benefited by its ATM Banking, Any
Branch Banking (ABB) and IOB STARS (Indian Overseas Bank - Speedy Transfer and Realization
Service). Its 8% saving (Taxable) Bond Scheme is also very popular with the customers.
Background of Indian Overseas Bank

Established on 10th February 1937 by Mr M. Ct. M. Chidambaram Chettyar, leader in banking,
insurance and industry areas, Indian Overseas Bank (IOB) had the twin aims of attaining
specialization in overseas banking as well as foreign exchange business. IOB has always been
talked about for its excellent presence and services. At the time of inauguration, IOB started its
business in three branches at the same time. The branches were located at Karaikudi and
Chennai in India and Rangoon in Myanmar, erstwhile Burma. It had a branch in Penang also.
During the time when India became an independent nation, Indian Overseas Bank was running 38
branches in India and 7 overseas branches. At that point of time, the Deposits of the bank was
Rs.6.64 crore and Advances was Rs.3.23 crore.
IOB received the status of nationalized bank in the year 1969 along with other 13 major banks.
By this time, it had 195 branches. Gradually between the periods 1969 and 1992, IOB started
spreading its wings in foreign destinations like Colombo and Seoul.
IOB was the first bank to receive ISO 9001 Certification from Det Norske Veritas (DNV),
Netherlands in the month of September 1999 for its Computer Policy and Planning Department.
Besides, in its journey, it has won many awards and accolades too. These include:
• NABARD's award 2000-2001 for creating maximum number of credit links of Self Help
Groups in comparison to all the other Banks in Tamil Nadu
• Best Award under the category of Banking Technology in the year 2001
Products and Services of Indian Overseas Bank
The thoughtfully designed products and services of the Indian Overseas Bank can be listed as
given below:
Personal Banking
• Saving bank
• Current account
• Term deposit
• Retail loans
• Home loans and mortgages
• Depository services
• IOB Fine Gold
• International VISA Cards
• Any Branch Banking
• Multi city cheque facility
• Insurance and mutual fund
Corporate Banking
• Micro Small and Medium Enterprises (MSME)
• IT & ITes BPO
• Cash management services -IOB STARS
Rural
• IOB's commitment for social causes
• Agricultural short time loans
• Financial inclusion
• Agri business consultancy
NRI Accounts
• Non-Resident Ordinary (NRO)
• Resident Foreign Currency Account (RFC)
• Foreign Currency Non-Resident Accounts (Banks)
• NRI home loan scheme
• NRI remittances
• Remittances procedures
• Tracking cell
• Forward cover
• IOB NRI shield
• IOB Expo Gold Card
Forex
• SWIFT centers
• Authorized dealer branches
• Forex collection services
• Overseas cash
Government Business
• E-Payment of direct taxes
• E-Payment of indirect taxes
• Pension payment scheme
• Sales tax collections
• Provident Fund Scheme 1968
• 8 percent savings taxable bond scheme
• Senior citizen scheme 2004
Head Office of Indian Overseas Bank
Indian Overseas Bank
763 Anna Salai,
Chennai - 600002
Phone: +91-44- 28524212
•
• IndusInd Bank Ltd
IndusInd Bank Ltd is the new generation Indian bank based at Mumbai - the financial capital of
the nation. Founded in 1994, IndusInd Bank Ltd provides a range of products and services to its
customers, which include transactional, commercial and electronic banking products and services.
It is also one of the foremost new generation private banks in India.
The Growth
Since its incorporation, IndusInd Bank Ltd went through a good climbing phase to reach at its
current status within a very short period of time. In 1996-97, IndusInd Bank became the pioneer
in launching Internet Banking. In 2000-01, the total business of IndusInd crossed Rs. 10,000
crores, which reached Rs. 14,000 crores mark in the next financial year. It recorded the highest
productivity in Indian banking sector with a business of Rs. 16 crores per employee.
In 2003-04, IndusInd Bank Ltd celebrated its 10th year by touching Rs. 19,000 crores business
volume. In the same year, Ashok Leyland Finance also merged with IndusInd. The bank also
achieved ISO 9001:2000 Quality Management System certification for its 'Entire Network of
Branches'. It's the first Indian Commercial Bank to achieve the distinction.
The following years saw further growth of IndusInd Bank Ltd at a great pace. In 2008-09, the
total business of IndusInd Bank Ltd crossed Rs. 37,800 crores. Its net worth became Rs. 1429
crores, while the earning per share augmented to Rs. 4.28 from Rs. 2.35.

IndusInd Bank Ltd offers a wide array of transactional, commercial and electronic banking
products and services.
• Accounts
o Indus classic Savings Account
o Indus Easy Savings Account
o Demat Account
o RFC Account
o Current Account
o Specialized Account
o Indus Privilege Savings Account
o Indus Young Saver
• Deposits
o Flexi Term Deposit
o Sweep -In / Seep-Out Deposit
o Young Saver Deposit
o Senior Citizen Scheme
o Regular Recurring Deposit
o Flexi Recurring Deposit
• Loans
o Home Loans
o Small Business Loan
o Commercial Vehicle Loan
o Car Loan
o Two-wheeler Loan
o Construction Equipment Loan
o Loan Against Rent Receivables
o Loan Against Mutual Funds
o Credit Against Specific Securities
o Traders Advances
• Cards
o Regular Debit Card
o Gold Debit Card
o Indus Money
o Summer Swipe Special
o Portfolio Management
o Investments
o Insurance
o Survana Mudra
o Large Indian Companies
o Small & Medium Enterprises
o Supply Chain Management
• International Banking
o Correspondent Banking
o SWIFT
o Advisory Services
o Facilities to Exporters
o Trade Finance
o RFC Account for Residents
o Gold Banking
• Treasury
o Foreign Exchange Desk
o Money Market Desk
o Derivatives Desk
• Capital & Commodities Markets
o Stock Exchange Cell
o Commodities Exchange Cell
o Banker to Public / Rights
o Debenture Trustee
o IPO Funding
o Loan Against Demat Shares
• NRI Services
o Deposit Schemes
o Value Added Services
o Returning NRIs
o Remittances
o Investments
o Taxation
• Online Banking
o IndusNet - Internet Banking
o Indus Pay - e-wallet
o VISA Money Transfer
o ATMs
o Indus Billpay
o Mobile Top-Ups
o Mobile Banking
• RTGS / NEFT
Address
IndusInd Bank Ltd 8th Floor, Tower 1, One Indiabulls Centre, 841, S. B. Marg, Elphinstone
Road, Mumbai - 400 013 Tel: +91-22-24231999 / 30493999. Fax: +91-22-24231998 /
30493998. E-mail: mktg@indusind.com Web: www.indusind.com
•
• Industrial Development Bank
The Industrial Development Bank of India is one of the well known public financial institutions in
India. It is also known as IDBI and is the fourth largest bank in terms of the ratings. According to
the Reserve Bank of India, the Industrial Development Bank of India is categorized as "other
public sector bank". The main aim of the formation of the IDBI was to provide easy loans and
financial support to the industrial sector in order to develop the industrial sector and also the
Indian economy.
Growth of Industrial Development Bank of India

The Industrial Development Bank of India was established in the year 1964 by the Act of
Parliament. The main aim was to provide more financial impetus to the industrial sector in order
to add to the Gross Domestic Product. Since then, the bank has gradually grown itself to become
one of the well known financial institutions in the country by providing high class facilities and
services. Today, it has become the tenth largest development bank in the world in terms of reach
and reception. The bank has 975 ATMs, 352 centers and 568 branches. The IBDI is also credited
with the establishment of other renowned financial institutions such as the National Stock
Exchange of India, the Stock Holding Corporation of India and the National Securities Depository
Services Ltd. Some basic facts about the bank are:
Type Public sector bank

Established 1964
Headquarters India
Key personalities Chairman, Yogesh Agarwal
Industry Finance
Products Financial services
Employees Around 8989
To keep pace with the changing trends, the Industrial Development Bank of India has come up
with various reforms. The main aim of the new reforms is to emphasize on the financial and
commercial aspect in addition to acting as a financial organization. In the year 2004, the bank
was given the status of a public limited company and was renamed as Industrial Development
Bank of India Limited (IDBIL). The Reserve Bank of India (RBI) also nominated IDBI as a
scheduled bank under the RBI Act, 1934. Since then, the bank has entered into business
transactions with the name of IDBIL.
In the year 2008, the IDBI went into a joint venture with Fortis Insurance International and the
Federal Bank for making the IDBI Fortis Life Insurance program. The ownership of the bank in
this program is around 48 %. According to the recent surveys, the premium of the bank amounts
to around Rs 300 Crores.
Services of Industrial Development Bank of India

In order to increase its customer base, the Industrial Development Bank of India offers a number
of customized and innovative banking services. The services are meant to offer cent percent
satisfaction to the customers. Some of the well known services offered by the bank are:
Wholesale Banking services: The wholesale banking services form a major part of the banking
services of the bank. The services that are offered under the wholesale division are:
• Cash Management
• Transactional services
• Finance of working capital
• Agro based business transactions
• Trade services
The wholesale banking services are an important source of income in a number of infrastructure
projects such as power, transport, telecom, railways, roadways, and logistics and so on.
Retail Banking Services: The Industrial Development Bank of India is also a leader in the retail
banking services. The Net Interest Income amounted to around Rs 2166 Crores while the Net
Profit amounted to around Rs 187 Crores. The main objective of the retail services is to provide
high quality financial products to the target market to give that one-stop-solution to the banking
needs. The retail products offered by the bank include:
• Housing loans
• Personal loans
• Securities loans
• Mortgage loans
• Educational loans
• Merchant establishment overdrafts
• Holiday travel plans
• Commercial property loans
Treasury facilities and services: The net interest income of this sector amounts to around Rs 1283
Crores while the net profit amounts to around Rs 44.8 Crores. One can get an array of financial
products such as cash management services, deposit, treasury products, trade finance services
and so on. The three segments in this sector are:
• Local Currency Money Market
• Debt Securities and equities
• Foreign Exchange and Derivatives
Other services of Industrial Development Bank of India
In addition to these, IDBI also offers some allied services and financial solutions to cater to the
target audience. To cater to the capital market, the bank has floated the IDBI Capital Market
Services Limited, also known as IDBI Capital. The various services offered in this section are:
Corporate Advisory Services
• Financial product distribution
• Pension fund management
• Corporate and retail services
• Debt management services
• The IDBI Home Finance Limited is also a subsidiary of the Industrial Development Bank of
India. It is used for the purpose of providing long term loans and other financial benefits to
various companies of the industrial sector.
In addition to these, there is also the IDBI Intech Limited which is a trusted name in the
field of system support and implementation, applications, server hosting, system
integration and other related services. Another subsidiary of the Industrial Development
Bank of India is the IDBI Gilts Limited. The main services of this segment is trading of
bonds, offering insurance, auction underwriting and so on.
• ING Vysya Bank Ltd
The ING Vysya Bank Ltd is one of the well known financial organizations in India. It is applicable
for both short term and long term financial solutions. It is mainly an entity or a venture which has
been formed with the global financial giant ING of Netherlands. The ING Vysya Bank Ltd is a
trusted name in the banking and commercial sector of the country.
Growth of the ING Vysya Bank Ltd
The ING Vysya Bank Ltd was established in the month of October in the year 2002. The bank
came into existence when the Vysya Bank Ltd went into a venture with global financial giant ING.
Vysya Bank Ltd was one of the first private sector banks in the country and was set up in the year
1930. The main objective of setting up the bank was to provide financial support to the various
sectors of the economy. In the year 1948, the Vysya Bank was listed among the Scheduled
Banks.
In order to increase its profit and add to its operations, the Vysya Bank Ltd merged with ING.
Currently, it is one of the well known banks in the country and has around 677 branches across
various parts of the country. The headquarters of the bank is located in the city of Bangalore.
Among the total number of branches, there are 407 regular branches, 28 satellite offices, 39
extension counters. The number of ATMs is around 203 which are expected to increase within the
next few years. The deposit of the bank amounts to around Rs. 204980.00 millions while the net
worth is around Rs 14260.00 millions. The profits of the bank amount to around Rs. 1569.00
millions.
Products and services of ING Vysya Bank Ltd
Being a well known name in the domain of financial and banking services in the country, the ING
Vysya Bank Ltd has come up with a number of financial solutions and services in a number of
areas. Some of the well known segments in which the bank offers customized and specialized
services are:
• Accounts and deposits
• Short and long term loans
• Private banking
• NRI services
Personal Banking: The personal banking department of ING Vysya Bank Ltd offers high quality
services and solutions to cater to the financial needs and preferences. The high end solutions
make them a one stop organization to fulfill the needs and requirements of the customers. Some
of the well known services offered in the segment of personal banking are:
• Mutual Funds
• Tax Savings Bonds
• Savings Account
• NRI Services
• Credit & Debit Card
• Phone Banking
• Mobile Banking
• Self Banking
• Term deposits
• Demat accounting
• Wealth management
• Debit and credit card accounting
• Payment services
Wealth Management services: The wealth management services of the ING Vysya Bank Ltd offers
the best services in order to take care of the needs and preferences of the consumers in various
wealth management sectors. The secure services offered by the bank also minimize the risk
processes and also offer the best of returns.
In addition to these, ING Vysya Bank Ltd also offers business banking facilities and services of
high standards. The services are meant to take care of the business needs and also provide high
degree of financial stability to the various corporate organizations and business sectors. Some of
the well known services that are offered include:
• Long and term loans in the agro based sector
• SME- Power Business account and loans
• Financial market analysis
• Market trading
• Asset liability management services
• Financial market sales
• Cash management services
• Corporate and investment banking services
• Off shore borrowing services
• Trade and community finance services
• In addition to these, ING Vysya Bank Ltd also carries out research and development to add
more stability to the Indian economic scenario. The customers are also given useful
guidance about investing their assets and funds.
• Ind Bank Housing Ltd
Ind Bank Housing Ltd was initiated in the year 1991 and began its commercial activities with an
aim of offering enduring monetary assistance to individuals and firms for the purpose of
constructing or buying realty in India. It was jointly endorsed by Indian Bank and HUDCO.
At present the bank is concentrating on the revival of home loans and other properties. Previously
it had put a halt to its credit services due to liquidity issues and to match its operations with
National Housing Bank norms. The firm has been certified as the fiscal organization under the Act
of Securitization in the year 2006. This has assisted the rapid revival of the non performing assets
(NPAs) in the market. Several sub-divisions of the bank has been inaugurated in chief cities like
Mangalore, Coimbatore, Thanjavur, Bangalore, Hyderabad, Vishakapatnam, etc.
Home Loan Facilities
Ind Bank Housing Ltd is an extension of the Indian Bank and is the most renowned banks in
Indian housing finance sector. The bank offers home loans for building or obtainment of a home
or flat, along with the promotion, restoration or extra creation on the existing edifice.
Ind Bank Housing Ltd offers home loans of up to Rs 25 lakhs for buying or creation of a house or
apartment. For the purpose of reconstruction, refurbishing or improvement of the same, the bank
approves the credit of up to Rs 5 Lakhs. The loan seeker has to forfeit at least 15% of the entire
value of the project. The property which the loan seeker is purchasing must not be more than 20
years old. The total loan amount is to be reimbursed within the tenure of 20 years. The loan
seeker is not allowed to reimburse the amount even before 5 years. Refund tenure should not go
beyond the retirement of the salaried individual and for self employed the age limit is 65 years.
To seek home loans from Ind Bank Housing Ltd the borrower must possess reasonable mortgage
of the assets or recorded credit wherever required and also collaterals from minimum two
appropriate individuals. The bank has allocated its own rate of interest on home loans. The credit
for buying or creation of the house draws rates of interest from 12% to 15%, while its renovation
or restoration rate of interest is allocated between 13.5 to 14.5%.
Besides its rate of interest, home loans from Ind Bank Housing Ltd charge a dispensation cost of
0.75% on loan sum of up to Rs 5 Lakhs. If the loan sum is above Rs 5 Lakhs, the dispensation
cost is estimated at 1%. The bank also charges admin Fee of up to 1% besides no forestallment
costs employed on the home credits.
The financial details of Ind Bank Housing Ltd as on 2009 are mentioned as under:
Total Earnings estimated as on 2009 was Rs. 46.19919 Million

Net Profit estimated as on 2009 was Rs. 27.890876 Million
Returns estimated as on 2009 was USD 0.528046 Millions
Market Cap estimated as on 2009 was Rs 199.5 Millions
Yearly financial statement of Ind Bank Housing Ltd as on 31st March 2010:
Reviewed Bank Figures Reviewed Bank Figures
for present year ended for preceding year
(Rs.) ended (Rs.)
Net Sales 24.92 27.22
Profit & Loss from

everyday Activities 38.22 (Loss) 27.87 (Loss)
before Tariff
Total Reserves 58.32 58.32
Tariff 0.00 -0.02

Other Earnings 0.19 1.38
Net Income -38.22 -27.89
Expenses 8.39 -74.07
Equity Assets 100.00 100.00
Rate of Interest -71.72 NIL

•
* Rs in Millions
Contact Details
Ind Bank Housing Ltd.

64 D, Nellai Plaza
Madurai Road
Thirunelveli
627001
Tamil Nadu
Phone: 0462 - 2331838
• Jammu and Kashmir Bank
The Jammu and Kashmir Bank came into existence on October 1, 1938 and started its operations
from 4th July, 1939. In fact, this is India's first state owned bank. According to the Indian
Companies Act of 1956, the bank was recognized as a government bank. Later in the year 1971,
the bank was given the stature of a scheduled bank. Presently, the bank has exceeded 500
branches across different locations of India. More to add, the Jammu and Kashmir Bank has
become an organization which has amassed some billion dollars.
Profile:
The Jammu and Kashmir Bank is overseen by the Reserve Bank of India and SEBI. Apart from
this, the bank is also a member of the National Stock Exchange (NSE) and the Bombay Stock
Exchange (BSE). In fact, the government of the J&K owns 53% of the bank which includes a
same percentage of equity. In the year 1976, the RBI nominated the bank as an 'A' class bank.
Insurance:
The Jammu and Kashmir Bank has made tie ups with MetLife India Insurance Company entering
into a joint venture with the same along with M. Pallonji and Co. Pvt. Ltd. and other private
investors. Apart from this, the bank also has entered into an agreement with Bajaj Allianz General
Insurance Co. Ltd. In this regard, the bank has decided to distribute all their non-life products
and services in collaboration with the same. It is important to note that all these products can be
obtained from all the branches that are located at different parts of the country.
Tax Products and Planning:
One of the major purposes of the bank is to help its customers invest in long term deposits so
that they can accrue tax benefits. This is mentioned in the section 80C of the Income Tax Act of
1961. Under this section, the bank offers higher rate of interest to its customers and account
holders along with certain incentives. These include offering 0.25% increased rate of interest for
any new term deposit. It is to be noted that TDS is excluded under this facility. Apart from this,
the bank also provides 1% interest discount under the schemes of loans that comprise housing,
educational and consumer loans. Finally, with a deposit of Rs. 50,000 and above, the bank can
charge any installation amount for POS machine.
Services:
The Jammu and Kashmir Bank strives to offer the best quality of services to its customers with
uncompromising levels of dedication and commitment. The bank operates in a 24x7 environment
offering multi-channel banking and cost effective services. Some of these services are listed
below:-
• Anywhere banking
• SMS Banking
• ATM Services
• Debit & Credit Cards
• Merchant Acquiring
• Saving Bank Deposit
• Term Bank Deposit
• Value Added Schemes
• Gift Cheque Scheme
• Current Account
• Support Services
• Third Party Services
Cash Management by J&K Bank:
The J&K Bank provides fast payments and quick and convenient collections by means of Real
Time Gross Settlement (RTGS). This procedure is in alignment with the payment method of the
Reserve Bank of India. This process enables and ensures an easy way to transfer money to the
respective customer accounts. One of the other benefits of this method include saving time and
cost so that monetary transactions are made easy and viable to the account holders and the like.
Contact Details:
Registered Office
Jammu & Kashmir Bank
M A Road
Srinagar 190 001
Jammu & Kashmir
Corporate Headquarters
M A Road
Srinagar 190 001
Jammu & Kashmir
Website: www.jkbank.net
EPABX Numbers: (+91- 0194) 2481930 -2481935.
•
• JP Morgan Chase Bank
JP Morgan Chase Bank is one of the biggest banks in the global scenario. It ranks among the
oldest financial firms and operates in almost 60 countries across the world. The cutting edge
financial and banking services offered by the bank have made it a trusted name worldwide. The
bank has a huge customer base and offers an array of facilities and services to cater to the target
audience.
Growth of JP Morgan Chase Bank

JP Morgan Chase Bank came into existence in the year 2008 after the merge of a number of
financial institutions such as J.P. Morgan & Co, Chase Manhattan Bank, Bear Stearns, Bank One,
First Chicago Bank, National Bank of Detroit, Washington Mutual, Texas Commerce Bank, Great
Western Bank and Providian Financial.
Since its re-branding, the bank has provided excellent facilities and services to be a great name in
the domain of banking and commercial services. It is one of the biggest four banks in the United
States with a huge asset worth of around $2 trillion and the largest market capital. It has the
third largest deposit base in the US banking institution market. The JP Morgan Chase Bank has
the second largest hedge fund unit in the US which amounts to around $32,893 million in asset
value. In addition to millions of consumers, the bank also serves prestigious organizations and
government agencies across the globe.
The brand "JPMorgan" is used for a number of purposes such as Private Banking, Asset
Management, Treasury and Security Services, Private Wealth Management and so on. The brand
name "Chase" is used to market the credit card services in the US and Canada and also to
promote the commercial banking and retail banking activities.
Some of the prestigious awards won by the bank are:
• Top 10 Best Places to Launch a Career by Business Week
• Best Investor Services by Waters Magazine.
• Best Global Custodian by Asian Investor
• Best Liquidity Solution Provider by the Asset
Apart from these, there are lots of other awards that the company has won for its services of high
standards.
Products and Services of JP Morgan Chase Bank

The business and the financial services offered by JP Morgan Chase Bank can be divided into a
number of segments according to the products offered and the target market. They are:
Investment Banking
• Equity underwriting
• Principal investing
• Corporate lending
Retail Financial Services
• Mortgage banking services
• Regional banking services
• Auto finance services
Commercial Banking
• Real estate banking services
• Middle market banking services
• Chase equipment leasing services
• Mid-corporate banking services
• Chase business credit services
• Chase Capital Corporation services
Card Services
• Merchant acquiring services
• Credit cards services
Asset Management
• Private Banking services
• Private Wealth Management services
• Investment Management services
Treasury and Securities Services
• Investor Services
• Treasury Services
• Clearance and Agency services
In addition to these, JP Morgan Chase Bank is also the major sponsor of a number of prestigious
events. It is the proud sponsor of Chase Field and Arizona Diamondbacks teams in Major League
Basketball. It also sponsors the Chase Auditorium in Chicago which hosts lots of prestigious
events.
JP Morgan Chase also owns and sponsors the JPMorgan Chase Corporate Challenge which is the
largest corporate road racing series in the world. Around 200,000 participants take part in the
event. The bank is also the proud official sponsor of the US Open Tennis Championship.
Career in JP Morgan Chase Bank

Opting for a job in JP Morgan Chase Bank is something that everyone dreams of. It can be one of
the best career prospects that people can have. There are lots of posts in the bank and its
subsidiaries in a number of sectors. As evident from the services, the pay package is high and
good increments and perks are available. It is also a great place for young people to start their
career.
•
• Karnataka Bank
JP Morgan Chase Bank is one of the biggest banks in the global scenario. It ranks among the
oldest financial firms and operates in almost 60 countries across the world. The cutting edge
financial and banking services offered by the bank have made it a trusted name worldwide. The
bank has a huge customer base and offers an array of facilities and services to cater to the target
audience.
Growth of JP Morgan Chase Bank

JP Morgan Chase Bank came into existence in the year 2008 after the merge of a number of
financial institutions such as J.P. Morgan & Co, Chase Manhattan Bank, Bear Stearns, Bank One,
First Chicago Bank, National Bank of Detroit, Washington Mutual, Texas Commerce Bank, Great
Western Bank and Providian Financial.
Since its re-branding, the bank has provided excellent facilities and services to be a great name in
the domain of banking and commercial services. It is one of the biggest four banks in the United
States with a huge asset worth of around $2 trillion and the largest market capital. It has the
third largest deposit base in the US banking institution market. The JP Morgan Chase Bank has
the second largest hedge fund unit in the US which amounts to around $32,893 million in asset
value. In addition to millions of consumers, the bank also serves prestigious organizations and
government agencies across the globe.
The brand "JPMorgan" is used for a number of purposes such as Private Banking, Asset
Management, Treasury and Security Services, Private Wealth Management and so on. The brand
name "Chase" is used to market the credit card services in the US and Canada and also to
promote the commercial banking and retail banking activities.
Some of the prestigious awards won by the bank are:
• Top 10 Best Places to Launch a Career by Business Week
• Best Investor Services by Waters Magazine.
• Best Global Custodian by Asian Investor
• Best Liquidity Solution Provider by the Asset
Apart from these, there are lots of other awards that the company has won for its services of high
standards.
Products and Services of JP Morgan Chase Bank

The business and the financial services offered by JP Morgan Chase Bank can be divided into a
number of segments according to the products offered and the target market. They are:
Investment Banking
• Equity underwriting
• Principal investing
• Corporate lending
Retail Financial Services
• Mortgage banking services
• Regional banking services
• Auto finance services
Commercial Banking
• Real estate banking services
• Middle market banking services
• Chase equipment leasing services
• Mid-corporate banking services
• Chase business credit services
• Chase Capital Corporation services
Card Services
• Merchant acquiring services
• Credit cards services
Asset Management
• Private Banking services
• Private Wealth Management services
• Investment Management services
Treasury and Securities Services
• Investor Services
• Treasury Services
• Clearance and Agency services
In addition to these, JP Morgan Chase Bank is also the major sponsor of a number of prestigious
events. It is the proud sponsor of Chase Field and Arizona Diamondbacks teams in Major League
Basketball. It also sponsors the Chase Auditorium in Chicago which hosts lots of prestigious
events.
JP Morgan Chase also owns and sponsors the JPMorgan Chase Corporate Challenge which is the
largest corporate road racing series in the world. Around 200,000 participants take part in the
event. The bank is also the proud official sponsor of the US Open Tennis Championship.
Career in JP Morgan Chase Bank

Opting for a job in JP Morgan Chase Bank is something that everyone dreams of. It can be one of
the best career prospects that people can have. There are lots of posts in the bank and its
subsidiaries in a number of sectors. As evident from the services, the pay package is high and
good increments and perks are available. It is also a great place for young people to start their
career.
•
• Karur vysya Bank Limited
About Karur Vysya Limited
Karur Vysya Bank Limited, universally known as KVB has made a mark in commercial banking
arena right from 1916 when it was set up by two great visionaries and famous sons of Karur, Late
M A Venkatarama Chettiar and Late Athi Krishna Chettiar. The main aim for setting up this bank
was to instill the habit of savings and also for providing financial support to traders and small
agriculturists in and around Karur (the textile town in Tamil Nadu). The journey for the bank
started off with a meager capital of Rs.1 lakh. But over the years, KVB has met all the market
dynamics and challenges and created a strong base for itself.
Presence of Karur Vysya Bank

The Bank, in its initial days, bore a regional flavor in its transactions but slowly made a mark and
expanded. At present, it has around 285 branches spanning 13 States and 2 Union Territories.
The Bank has been prudential and has followed all the statutory regulations to make a mark in its
area of operations. They have been maintaining a strong Capital Adequacy Ratio of more than
15% as against the compulsory rule of 9% set by the RBI. T his is sure to take care of the asset
growth of the bank.
Financial highlights of the KVB
• Total business of KVB stood at Rs.25664.29 cr., with total deposits of Rs. 15101.39 cr. and
total advances of Rs. 10562.90 cr. as at 31.03.2009. It was the first
• Tamil Nadu based private sector bank to have crossed the Rs. 25000 cr. total business
mark.
• The net owned funds of KVB stood at Rs. 1350.16 cr with healthy capitalization levels, with
high share of Tier I capital at 96.53%. This indicates that they have strength on owned
funds. The Tier II capital forms only a paltry part (3.47%), having provision for standard
assets only.
• It has one of the lowest net NPA ratios in India @ 0.25%
• Till date the bank has been only earning profits with no interruption in the declaration of
dividend.
• The bank has declared 100% dividend since 2003-04. For 2005-06, 2007-08 and 2008-09,
the company declared a dividend of 120%
Snapshot of the Karur Vysya Bank's financial performance :
Particulars
2006-07
2007-08
2008-09
Deposits
9340.29
12549.99
15101.39
Advances
7040.48
9528.84
10562.90
Net Profit
160.01
208.33
235.84
Capital Funds
1063.16
1190.00
1350.16
Capital Adequacy
14.51%
12.58%
14.92%
Net NPA
0.23%
0.18%
0.25%
Branch and ATM network of Karur Vysya Bank

The bank has a branch network of 312 and an ATM network of 322. The bank plans to improve
the branch network to over 350 by the end of 2009 -10.
Technological accomplishments of KVB
KVB became the forerunners in the banking sector to achieve full networking of its branches
under Core Banking Solutions. They offer their services through multiple delivery channels.
Significant accomplishments of KVB
• Any Branch Banking
• Multicity Account services for both current and savings bank customers
• On line utility bill payments facility through Billdesk
• On line shopping facility via CCAvenues
• e-commerce facilities
• Mobile Banking
• VISA Debit card facility with a card base of over 1.50 million
• Access to over 320 KVB ATMs and over 13,000 domestic ATMs under the VISA / NFS /
MITR /Axis bank cluster and over 1 million VISA ATMs globally
• Payment of institutional fees through ATMs
• Payment for air tickets (Kingfisher) through KVB ATMs
• Mobile top up facility at KVB ATMs
Banking and Para banking services
• KVB offers quite a few deposit and loan products, all customized to meet customer
requirements
• All types of general insurance policies are offered by the bank by tying up with M/s Bajaj
Allianz General Insurance Company
• The bank has tied up with M/s Birla Sun Life Insurance Company to provide different kinds
of insurance policies
• Products of SBI MF, Reliance MF, Sundaram BNP Paribas MF, Birla Sunlife MF, Franklin
Templeton MF and LIC MF are distributed by the bank
Contact details of Karur Vyasa Bank Limited
CHENNAI DIVISIONAL OFFICE
Chennai Divisional Office

KVB Towers
I Floor
568, Anna Salai
Teynampet,
Chennai - 600 018 (T.N.)
STD: 044 - 24314418, 24314421, 24347250
Website: www.kvb.co.in
ATM CELL
Basement Floor- 1
Uffizi Complex
338, Avinashi Road
Peelamedu
Coimbatore-641004
STD: 0422 - 2576671, 2576672
INTERNATIONAL DIVISION
KVB Towers
II Floor
568, Anna Salai
Teynampet, Chennai-600018 (T.N)
STD: 044 - 24314185, 24314186, 24314187
•
• Kotak Mahindra Bank
Kotak Mahindra is among the leading financial organization of India, with a range of financial
services that caters to all customers' day to day requirements. Their products spans from
commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking –
diverse needs of individuals and corporates are catered to.
The Kotak group has a net worth of more than Rs. 6,799 crore with the branches, franchisees,
representative offices and satellite offices spread across cities and towns in India. They also have
global offices in New York, London, San Francisco, Dubai, Mauritius and Singapore. The Kotak
Group offers their services to approximately 6.4 million customers.
The Kotak Mahindra Group got incepted in 1985 in the form of Kotak Capital Management Finance
Limited, being promoted by Uday Kotak, Sidney A. A. Pinto and Kotak & Company. A stake in the
group was taken in by industrialists Harish Mahindra and Anand Mahindra and this is the time
when the company changed its name to Kotak Mahindra Finance Limited.
Highlights of the Kotak Mahindra group since inception
Market share of key players in the Indian aviation sector
1986 Kotak Mahindra Finance Limited started off with Bill Discounting
1987 Kotak Mahindra Finance Limited makes its foray into the Lease and Hire Purchase market
1990 The Auto Finance division starts
The Investment Banking Division starts off. They take over FICOM, one of India's largest
1991
financial retail marketing networks
1992 Penetrates into the Funds Syndication sector
The brokerage and distribution businesses of the Group gets incorporated into a
1995 separate company - Kotak Securities, whereas the investment banking arm is
incorporated into a separate company - Kotak Mahindra Capital Company
The Auto Finance Business of the Group is hived off into a separate company - Kotak
Mahindra Prime Limited. Kotak Mahindra takes up a major stake in Ford Credit Kotak
1996
Mahindra Limited to finance Ford vehicles. They launch Matrix Information Services
Limited, marking the group's entry in information distribution.
Kotak Mahindra Asset Management Company is incepted and they enter into the mutual
1998
fund market.
Kotak Mahindra makes a tie with Old Mutual plc. For their Life Insurance business. Kotak
2000 Securities launches the site (now www.kotaksecurities.com). Kotak Mahindra Venture
Capital Fund is formed and the private equity business of the group commences.
2001 Matrix is sold to Friday Corporation and the Insurance Services is launched.
2003 Kotak Mahindra Finance Ltd. gets converted into a commercial bank.
2004 A private equity fund (India Growth Fund) is launched.
2005 Kotak Group launches a real estate fund
The Group buys 25% stake held by Goldman Sachs in Kotak Mahindra Capital Company
2006
and Kotak Securities
Kotak Group Products & Services

1. Bank
2. Credit Cards
3. Life Insurance
4. Mutual Funds
5. Car Finance
6. Securities
7. Institutional Equities
8. Investment Banking
9. International Business
10. Kotak Private Equity
11. Kotak Realty Fund
12. Wealth Management
About Kotak Mahindra Bank
The flagship company of Kotak Mahindra Group, Kotak Mahindra Finance Ltd was established in
1985. The same got converted into a bank - Kotak Mahindra Bank Ltd in March 2003. Kotak
Mahindra bank has presence in commercial vehicles, retail finance, corporate banking, treasury
and housing finance.
Services of Kotak Mahindra Bank
Deposit Accounts
• Savings account
• Current Account
• Term Deposits
Loans
• Personal Loans
• Home Loans
• Loan Against Property
Investment Services
• Demat
• Mutual Fund
• Insurance
• Gold
Convenience Banking
• Net Banking
• Mobile Banking
• Phone Banking
• ATM Network
• Contact details of Kotak Mahindra Bank
Registered Office
Kotak Mahindra Bank Limited
36-38A, Nariman Bhavan
227 Nariman Point
Mumbai - 400 021
• Lakshmi Vilas Bank
Lakshmi Vilas Bank Ltd is one of the well known private sector banks in India. It offers an array of
banking and financial solutions for the customers in a dedicated and professional manner. Due to
its high quality facilities and services, Lakshmi Vilas Bank Ltd has become a known name in the
Indian banking industry and the customer is steadily increasing over the years.
Growth of Lakshmi Vilas Bank Ltd

Lakshmi Vilas Bank Ltd was established way back in the year 1926 by a group of people from the
region of Karur under the managerial post of Mr. V.S.N. Ramalinga Chettiar. The main aim of the
bank was to provide financial support to the various segments of the society. In the month of
November in 1926, the bank was covered under the Indian Companies Act, 1913. Some days
later, it was given the permission to start the business. In the year 1958, the Reserve Bank of
India granted it the license and incorporated it into a Scheduled Commercial Bank.
It was in the year 1961 that the Lakshmi Vilas Bank started to increase its branches to various
parts of the country. It opened branches in various states like Karnataka, Andhra Pradesh,
Maharashtra, Kerala, Gujarat, Pondicherry, West Bengal, Gujarat, Delhi, and Uttar Pradesh. Since
then, the bank is steadily adding to its expertise and services. Today, it has a vast network of
around 249 branches across 14 states. There are around 6 extension counters and 3 satellite
branches.
According to recent surveys, the business of Lakshmi Vilas Bank Ltd amounts to around Rs.
12,606 crore with a net profit of around Rs. 50.30 crore. The amount of the net owned fund is
around Rs. 453.70 crore with the loan asset rate of around 1.24%. Due to the increase in the
market base, the profits are expected to rise significantly over the next few years.
Products and services of Lakshmi Vilas Bank Ltd

The main focus of the Lakshmi Vilas Bank Ltd is to provide absolute customer satisfaction by
providing high class banking and financial services. To keep pace with the changing tends in the
market; the bank has come up with new services such as retail banking, insurance, corporate
banking and so on.
The headquarters of the bank is located in Tamil Nadu and it coordinates the operations and
services of the bank. The loan services of the bank are known for providing short term and long
term financial support. Some of the well known loan schemes that are offered by the bank are:
• Lakshmi Home Loan
• Lakshmi Car Loan
• Lakshmi Swarna Abarana Loan
• Lakshmi Multipurpose Loan
• Lakshmi Business Credit
• Lakshmi Professional Credit
• Lakshmi Home Comfort Loan
• Lakshmi Start-up Professional Loan
The loan services that are offered by the bank cater to the short term as well as long term needs
and preferences of the customers. The rate of interest is also affordable and the period of
payment is also convenient.
Lakshmi Vilas Bank Ltd is also a trusted name in the segment of insurance. The bank provides a
number of insurance benefits for housing, automobiles, health care and other aspects of lifestyle.
The insurance coverage has always been convenient and fulfills the needs of the customers. Some
of the popular insurance products and schemes that are offered include:
• Pension Plus service
• Easy Life Plus plan
• Secure Life plan
• Amar Suraksham plan
• Life Bond premium insurance plan
The Lakshmi Vilas Bank Ltd also offers high quality credit services through its Lakshmi Vilas Bank
Credit Card scheme. Usually, the bank offers two types of credit cards to the customers, namely
the general credit card and the Lakshmi Kisan Credit Card. The former has a tie up with Canara
Bank while the later provides short term credit to the farmers for the purchase of farming
equipments.
To cater to the Non Resident Indians, the Lakshmi Vilas Bank offers a number of facilities and
services such as:
• RFC Deposit services
• NRE Deposit services
• FCNR (B) Deposit services
•
• Lord Krishna Bank
Instituted in the year 1940 in Kerala, Lord Krishna Bank Ltd. is one of the oldest private banks in
India. In the early years the bank witnessed an accelerated expansion in its operations and by
1960s it acquired three commercial banks namely Kerala Union Bank, Thlyya Bank and Josna
Bank.
With a set-up of 94 subdivisions and 5 extension units all over India, Lord Krishna Bank has made
its mark among one of the fast developing private banks. The bank gives importance to excellent
corporate supremacy by redefining and downsizing its business strategies.
Lord Krishna Bank – Products and Banking solutions
Lord Krishna bank provides excellent banking services and products to its customers spread
across the ten states of India, through a channel of 94 subdivisions. In the year 2005, the bank
touched an industrial volume of rupees ten thousand crore.
Lord Krishna Bank offer products and services to the retail sector along with big and small sized
businesses.
Loans offered by Lord Krishna Bank

• Consumer loan (Sahayata),
• Loan against rent,
• Home loan,
• Trade loan,
• Personal loan,
• Car loan (Vaahan Dhan) and
• Education loan (Vidya Dhan).
Financial Products offered by Lord Krishna Bank
• Infrastructure / tax saving bonds,
• Life insurance,
• Non-life insurance and
• Investments in mutual funds
• Lord Krishna Bank – Tie-ups
In an endeavor to expand its business activities, Lord Krishna Bank has joined hands with
the global leader in consumer fund relocation services – Western Union Financial Services
Inc., in the year 2002. The joint venture facilitated Lord Krishna Bank's inward fund
transfer from any part of the world.
In the year 2007, the union of Lord Krishna Bank Ltd with Centurion Bank of Punjab was
approved by the Reserve Bank of India (RBI). The merger between the two business
entities was also approved by the shareholders of both the banks.
The division of exchange ratio was decided at 5:7, which indicates that the shareholders of
Centurion Bank will acquire seven shares on every five shares acquired by Lord Krishna
Bank.
Lord Krishna Bank – Future initiatives
Lord Krishna Bank is leaving no stone unturned to introduce global banking standard to its
consumers by initiating interconnectivity among all its subdivisions, providing 24 hrs
banking services, online services and tele-banking facilities to them.
In the coming years, the bank is looking forward to include ground-breaking retail services
and products for its clients. The bank is all set to establish number of Boutique Branches in
India which would offer attractive loan service, financial products and other services like
Depository facilities and Debit Card.
After making its mark in south India, Lord Krishna Bank plans to expand its network in
other parts of India and establish itself as a top player in Indian banking scenario.
Lord Krishna Bank – Branches in India
Delhi Branch:
Address: A3/11 Janak Puri,
Delhi, Pincode 110058
Phone No 011 – 51588025
Kerala:
Kollam Heera Plaza,
First Floor, Main Road,
Kollam - 691001
Phone: (0474) 2742546
Andhra Pradesh:
6-3-1090 Tsr Towers
Somajiguda, Hyderabad,
Andhra Pradesh 500082
Karnataka:
103, Samskruthi Chamber
K H Road, Bengaluru,
Karnataka 560027
Phone: 080 32940126
Mumbai:
G1, G2, Arihant Apartment
S V Road, Goregaon (West), Mumbai,
Maharashtra 400062
Tamil Nadu:
Plot No. 5107, H-2, 2nd Avenue, Anna Nagar,
Chennai
Phone: 044 32979723
• Mizuho Corporate Bank
The core aim of the Mizuho Corporate Bank (MHCB) is to become 'a Top Corporate Finance
Provider'. This goal has been clearly laid down by Yasuhiro Sato, the President and CEO of Mizuho
Corporate Bank, Ltd. The bank wants to gain the trust and support of its clients and markets in
Japan and across the world.
The solution packages offered in the fields of finance and business strategies by MHCB are
suitable for any domestic and global giants and can meet their diverse needs successfully. To help
its corporate customers, the bank provides unmatched market information and economic and
industry reports.
The large customer base of the bank is constituted of big Corporations or Financial Institutions,
Foreign Corporations comprising subsidiary companies of Japanese corporations and National
Governmental Public Sector organizations.
Background of Mizuho Corporate Bank
Mizuho Corporate Bank is an important arm of the Mizuho Financial Group. Mizuho Financial
Group is considered to be the second largest financial services provider in Japan. MHCB is
essentially a corporate and investment bank, which was formed by merging the corporate and
investment banking division of Fuji Bank and Dai-Ichi Kangyo Bank with the Industrial Bank of
Japan.
Today, the capital strength of the Mizuho Corporate Bank stands at JPY 1,404,065 million. To
strengthen its presence in India like other international destinations, it opened its branches in the
cities of Mumbai and New Delhi.
Products and Services of Mizuho Corporate Bank

The cutting edge customer solutions offered by the Mizuho Corporate Bank are highly trustworthy
and offer excellent banking experience to the clients. The products and services range of the bank
is all-inclusive in nature and can be classified into below mentioned categories:
Financial Products
• Investment Banking and Custodial Services
• Securitization of Client Assets
• Real Estate Finance
• M&A Finance and Corporate Restructuring Business
• Syndication
• Bond Administrative Services
• Project Finance
• CLO (Collateralized Loan Obligation) Management Business
Market Products
Sales and Trading: Meeting Client Needs, Global Network, Trading Based on Advanced Risk
Management Systems
Financial Services
• Settlement and Foreign Exchange Divisions: Yen Clearing, Yen Custody, Mizuho e-Business
Site, Mizuho Advanced Cash Management Services (CMS), Mizuho Global CMS, Mizuho e-
Market Financial, Mizuho WEB-ANSER Service, Best Receiver, "Super Receiver" Collection
Services, Mizuho PC Service: Code Master Download Service for Financial Institutions
• Assent Management Department: Trust-Related Services, Asset Management Services,
Investment Trust-Related Services
Custody Services
• Japan Market Topics
• Market Angles
• Japan Market Practice -FAQ
• Corporate Actions News
• Holiday Calendar
Yen Clearing Services
Relationship Management
Deposit and Lending
Branches of Mizuho Corporate Bank
Mizuho Corporate Bank has opened its braches almost all over the world. They are present in:
• Xiamen and Nanjing (China)
• Hong Kong
• Mumbai and New Delhi (India)
• Seoul (Korea)
• Labuan and Kuala Lumpur (Malaysia)
• Manila (Philippines)
• Singapore
• Taipei, Kaohsiung, and Taichung (Taiwan)
• Bangkok (Thailand)
• Hanoi and Ho Chi Minh City (Vietnam)
• Sydney (Australia)
• Milan (Italy)
• Paris (France)
• Düsseldorf (Germany)
• London (United Kingdom)
• Bahrain
• Tehran (Iran)
• Moscow (Russia)
• Dubai (UAE)
• São Paulo (Brazil)
• Chicago, New York, Los Angeles, Atlanta, and Houston (U.S.A.)
• Mexico
• Toronto and Vancouver (Canada)
Head Office of Mizuho Corporate Bank
Mizuho Corporate Bank
3-3, Marunouchi
1-chome, Chiyoda-ku,
Tokyo 100-8210
•
• North Knara G.S.B. Co-operative Bank

With a humble start in the year 1917, North Knara G.S.B. Co-operative Bank has become one of
India?s multi-state financial institutions that have contributed in the freedom to expand in the
Indian states and Union territories of Gujarat, Maharashtra, Diu, Goa, Nagar Haveli, Karnataka,
Daman, etc.
Over more than 90 years, the bank has time and again registered vigorous expansion both
qualitatively and quantitatively. It ha not only expanded in terms of amount of investments and
credits, but has proliferated it net value, hence making it the fiscally and ethically strong
organization.
In context of the dedication for exploring the advanced expertise, linking all 33 sub-divisions
entailing addition counters under the category of ?Fundamental Banking Deals?, entrepreneurs
can avail their respective accounts and execute banking transaction from anywhere and at any
time with value added facilities.
North Knara G.S.B. Co-operative Bank has a range of diverse products meeting the requirements
of every client. It has attained a reputation among those who are sponsored for providing
customized comprehensive finance services. Various loans ranging from personal to Small &
Medium Enterprises, Professionals to Corporate, etc., offered by the bank are accompanied at
moderate, viable and flexible tenures.
Achievements
North Knara G.S.B. Co-operative Bank has always been a precursor to adjoin significance to its
products and services. It has signed important deals and has entered into correspondent
association and calculated treaties in an attempt to provide the best in industry facilities to its
clients competently. The bank has entered into an agreement with many insurance firms like Max
New York Life Insurance Pvt Ltd, New India Assurance Co, etc to trade products and insurance
policies in the market.
• The bank has been recognized as an associate of imbursement & settlement gateways of
Reserve Bank of India via RTGS and INFINET network. The set-up is assisted by Electronic
Cheque Clearing (ECC) and Electronic Fund Transfer (EFT) that offers immediate
attainment of cash and quick allowances.
• The Bank offers Demand Draft service under the set-up of private sector banks
• The bank serves the requirements of Forex market via foreign exchange agreement signed
with private sector bank
• The bank has been certified with the Authorized dealer category II permit by the Reserve
Bank of India making it one of banks that can embark on retailing, buying and transmittal
of foreign exchange
• The bank has signed mutual agreement with NSDL as a reservoir contributor providing
Demat services at all the sub-divisions
• The bank has nationalized its banking facilities and functions by controlling effectively
oriented client service
Products offered by North Knara G.S.B. Co-operative Bank are as under:
• Savings Deposit
• Current Deposit
• Term Deposit (Short Term Deposit, Fixed Deposit, Recurring Deposit)
• Retail Loans ( Home Loan, Medical Loan, Vehicle Loan, Mortgage Loan, etc)
Services offered by North Knara G.S.B. Co-operative Bank are as under:
• 24/7 Banking
• ATM Services
• Demat Services
• Non-Life Insurance
• Counter Drawing
• SMS Banking
• Safe Deposit Chests
• Life Insurance
• Forex Facilities
• National Electronic funds transfer (NEFT) Services
• Contact Details
Mumbai Branch
Laxmi Sadan,
361, V.P. Road,
Girgaum,
Mumbai ? 400 004
Tel: +91 (22) 6754 5000
Fax: +91 (22) 6754 5023
Pune Branch
Office No. 1 & 1A,
Khond Arcade Survey No. 157,
Parihar Chowk,
Aundh
Pune - 411 007
Tel: +91 (020) 2588 4701
• Oriental Bank of Commerce
Set up in 1943 at Lahore, the then part of India, Oriental Bank of Commerce (OBC) is a public
sector Indian bank. Post-partition, the bank shifted to India and was nationalized in the year
1980. Since its inception, Oriental Bank has seen many ups and downs, but it has emerged
unscathed out of all this turmoil. The bank enjoys a good reputation among its customers as a
result of the prompt and customer friendly services offered to its clients. The National Institute of
Bank Management has rated Oriental Bank of Commerce as Customer Friendly Bank.
Some of the Oriental Bank of Commerce facts is listed below:

• Regular profit making bank
• The bank has CRISIL ratings
• The productivity per employee is highest
• The bank has high Capital Adequacy Ratio
• The bank has one of the lowest spreads in the banking sector
• Ranks amongst the financially strong commercial banks in India
Oriental Bank of Commerce Projects

Oriental Bank of Commerce undertakes projects that involve people's participation at the
grassroots level to tackle social issues. Currently the bank is involved in implementing Grameen
Project in the states of Uttar Pradesh and Rajasthan. The project is modeled on the pattern of
Bangladesh Grameen Bank's scheme for disbursing small loan amounts ranging from Rs. 75
onwards. Mostly women benefit from this scheme and this project is aimed towards poverty
alleviation and identifying of reasons behind its success or failure.
Besides the Grameen Project, Oriental Bank of Commerce is involved with several other schemes,
which are aimed at improving the living conditions of the people in the selected areas. The
Comprehensive Village Development Program is a scheme focused on providing a complete and
integrated package that gives rural finance to the villagers with village development being the
focus. This contributes towards the infrastructural development and an increase in the income of
the farmers in the village. Oriental Bank also works towards training the rural people in using the
locally available raw materials to make products like jam; pickles etc and thus, enhance the
cottage industry in these areas.
Oriental Bank of Commerce Services

Oriental Bank of Commerce offers various services to its clients. Some of the services offered
include Loans, Deposit, NRI Services, Internet Banking, Tele-banking Service, International
Proton Debit Card, SMS Banking, Savings Account, Current Account, Flexi Fixed Deposit, Cash
Management Services, DeMAT Services, CASA Deposit scheme, Variable Progressive Deposit,
PRAGATI Deposit scheme, and Tax Saving Schemes, Suvidha Deposit, Term Deposit etc.
The bank offers Real Time Gross System (RTGS) service to clients. Under this banks and financial
institutions having account with RBI can transfer funds to one another on an instant, final and
irreversible basis during business hours. This facility can be used on behalf of the customers for
the transfer of funds to other banks.
National Electronic Fund Transfer (NEFT) is another facility available to the customers. The
Reserve Bank of India started this system for banks and financial institutions through which fund
transfer operation would take place. As of now all the 1402 Service outlets of the Oriental Bank of
commerce can offer this facility to their customers.
Address:
Harsha Bhawan, E- Block,
Connaught Place,
New Delhi - 110001
Telephone Nos.: 91-11-47651841
47651861
47651820
23415508
•
• Punjab and Sind Bank
It was in the year 1908 that the idea of elevating the poorest of the poor was initiated by the
inception of the Punjab & Sind Bank. Brainchild of Bhai Vir Singh, Sir Sunder Singh Majitha and
Sardar Tarlochan Singh - the bank has covered miles. Among the people of Punjab, they have
attained the highest level of respect. With the aim to help the weaker section of the society, for
uplifting their standard of living, social commitment was the main agenda. With more than
decades of experience in the banking sector, the bank is still striving strong.
Mission of Punjab and Sind Bank

1. The risk management and Internal Control Systems should be properly placed at the right
time.
2. Highest level of technology should be adopted and operationlized as well.
3. Customer service should be at the peak of all banking responsibilities.
4. The business should be conducted with transparency and the bank should be responsible
for its code of conduct.
5. The financial as well as the non-financial risks should be managed professionally.
6. Profitability should be in accordance with the prudential guidelines of the Bank.
Credit Card facilities of Punjab and Sind Bank
PSB - ICICI Bank Credit Card
The credit card business has been the most budding business in the retail finance segment in the
modern day business scenario. Punjab and Sind Bank has tied up with ICICI Bank to offer the
state of art technology to the cardholders for competing with the other peers in the banking
industry.
The value added services and products of the bank has been designed in a manner to suit the
needs of the esteemed clients.
About the PUNJAB & SIND BANK-ICICI BANK Credit Card

There are three variants of this credit card by Punjab and Sind Bank, viz, Blue, Silver and Gold.
The eligibility criteria (with respect to yearly income) are:
Eligibility Blue Card Silver Card Gold Card
Salaried Rs.60000/-p.a Rs.60000/- p.a Rs.120000/-p.a
Self Employed Rs.50000/-p.a Rs.50000/- p.a Rs.100000/-p.a

Features of the Punjab & Sind Bank-ICICI Bank Credit card:
• Maximum Interest Free Credit period
• Revolving Credit Facility
• Powerful Insurance benefits
• Powerful Rewards Programme
• Free Add-On Card
• Purchase Protection
• Limited Lost Card Liability
• Global Acceptance
• Balance Transfer Facility
• Self Set Limits
Insurance facilities of Punjab and Sind Bank
Punjab & Sind Bank has tied up with M/s Bajaj Allianz General Insurance Company for offering
Non Life insurance. The tie up with M/s Aviva Life Insurance Company India Pvt. Ltd. will offer the
life insurance facilities to the customers.
Financial highlights of Punjab and Sind Bank
1. Punjab & Sind Bank plans for an IPO in 2010.

2. There was 36.3% rise in net profit at Rs 235 crore for the first half ended September 30,
2009.
3. For the same period in 2008, the net profit stood at Rs 172 crore.
4. The total income surged up by 24.23% to Rs 2,057.57 crore during the April-September
period of 2009. In 2008, the figure stood at Rs 1,656.29 crore.
5. The total business of the bank touched Rs 66,751 crore as on September 30, 2009, with
that of Rs 51,104 crore in the same period in 2008. A growth of 24.23% was identified.
•
• Punjab National Bank
The Punjab National Bank or PNB is one of the well known commercial and banking institutions in
India. It is the second largest government owned and regulated commercial bank in the country
and offers specialized solutions and financial services in a number of sectors. Around 37 million
customers are served by the bank on an average basis. The customized facilities and services
make it a trusted name in the domain of banking.
Growth of Punjab National Bank
Punjab National Bank was registered under the Indian Companies Act on 19 May in the year 1894
and its first office was set up at Anarkali Bazaar in Lahore. Since then, the bank has become a
great name in the field of banking and is very much preferred by the customers for the wide
range of its services. Today, the bank has around 4,904 branches in around 764 cities.
Due to its facilities and services of high standards, Punjab National Bank has also been the
recipient of a number of prestigious awards. It has been adjusted as the 248th biggest bank
across the globe according to a recent survey made by Bankers Almanac in London. The Economic
Times has also listed the bank as 38th among the premier 500 companies and the 9th among the
most trusted brands in India. The total asset value of the bank amounts to around US$60 billion.
There is also a subsidiary of the PNB in the United Kingdom. In addition the bank also has
branches in some other cities like:
• Kabul
• Honk Kong
• Oslo
• Shanghai
• Dubai
• Almaty
Services of Punjab National Bank
Punjab National Bank offers financial solutions and services in an array of sectors. All these
services that are offered keep pace with the changing market trends in order to fulfill the needs
and preferences of the customers. Some of the well known sectors on which the main functions of
the bank are based are:
• Agriculture finance services
• Industrial finance services
• Trade financial services
• International banking services
PNB also has commercial relationship with more than 200 prestigious international banks across
the globe. It has the provisions of Rupee Drawing Arrangements with around 15 exchange
companies in the UAE and 1 in Singapore.
In case of the personal banking segment, the bank offers customized solutions to take care of
almost all financial needs of the customers. Some of the well known services that are offered in
the bank are:
• Savings Fund Account
• Fixed Deposit scheme
• Current account
• Loan services
Punjab National Bank is also a well known name in housing loan benefits. The bank offers both
short term and long term loans. The rates are also affordable and can be paid within a particular
time. The housing loans are given for a number of purposes such as:
• Construction of a building
• Purchase of a new house or a flat
• Purchase of flat or house on a First Power of Attorney basis
• For the purpose of repair or renovation of a house or a building
The PNB Housing Finance sanctions around 80% of the cost of the project. However, the
maximum amount is around Rs 50 lakh. The maximum loan amount for the purpose of renovation
and repair is Rs 5 lakh. In most cases, the loan is available for a period between 5 and 20 years
before one becomes 65 years of age. The interest of the loan is based on the reducing balance
and the principal amount of the loan is also based on the repaying capability of the borrower.
Mutual funds of Punjab National Bank
The mutual funds of Punjab National Bank are covered under the Principal PNB Asset Management
Company. Some of the well known schemes of mutual funds are:
• Principal Growth Scheme
• Principal balanced Fund
• Principal Income Fund
• Principal government Securities Fund
• Principal Income Fund – Short Term Debt
• Principal Cash management Fund
• Principal Index Fund
• Punjab national bank home loan

• Punjab national bank IPO
• Punjab National Bank Online
• Bank Location
• Reserve Bank Of India
Reserve Bank of India is also known as India's Central Bank. It was established on 1st April 1935.
Although the bank was initially owned privately, it has been taken up the Government of India
ever since, it was nationalized. The bank has been vested with immense responsibility of
reviewing and reconstructing the economic stability of the country by formulating economic
policies and ensuring a proper exchange of currency. In this regard, the Reserve Bank of India is
also known as the banker of banks.
Preamble of the Reserve Bank of India

"...to regulate the issue of Bank Notes and keeping of reserves with a view to securing monetary
stability in India and generally to operate the currency and credit system of the country to its
advantage."
The Preamble of the RBI speaks about the basic functions of the bank. It deals with the issuing
the bank notes and keeping reserves in order to secure monetary stability in the country. It also
aims at operating and boosting up the currency and credit infrastructure of India.
Legal Functions of the RBI
Given below are the following functions of the RBI:-

• Umbrella Acts
• Reserve Bank of India Act, 1934
• Banking Regulations Act, 1949
Other RBI Acts
Given below is the list of other RBI Acts that authorizes the bank to govern and control the
economic functions of the other banks operating within the country:-
Specific Functions
• Public Debt Act, 1944 or Government Securities Act
• Securities Contract (Regulation) Act, 1956- This Act regulates the securities market of the
government
• Indian Coinage Act, 1906- It governs currency and coins
• Foreign Exchange Regulation Act, 1973/Foreign Exchange Management Act, 1999- It
governs trade and foreign exchange market
Banking Operations
• Bankers' Books Evidence Act
• Banking Secrecy Act
• Negotiable Instruments Act, 1881
• Companies Act, 1956 - This Act enables the RBI to govern banks as companies
• Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980- It is
related to the nationalization of banks
Rights related to Individual Institutions
• The Industrial Development Bank (by the Transfer of Undertaking and Repeal) Act, 2003
• The Industrial Finance Corporation (by the Transfer of Undertaking and Repeal) Act, 1993
• State Bank of India Act, 1954
• National Bank for Agriculture and Rural Development Act
• National Housing Bank Act
• Act related to the deposit Insurance and Credit Guarantee Corporation
Main Functions of the Reserve Bank of India
Monetary Authority: The Reserve Bank of India takes a leading role in formulating,
implementation and monitoring the monetary policy. One of the major functions of the bank is to
maintain price stability and ensure sufficient flow of credit to the industrial sectors that are
prospering in the country
Regulating & Supervising the Financial system: The Reserve Bank of India lays down
guidelines for proper and sound banking within the nation's economic and banking framework.
Apart from this, The RBI also ensures the interest of the depositor by providing cost effective
banking services.
Managing Foreign Exchange (FOREX): Under the Foreign Exchange Act of 1999, RBI ensures
that external trade is facilitated along with a proper flow of payment, development and
maintenance of the India's FOREX market.
Issues Currency: This is one of the most important functions of the RBI. It is in full control of
issuing, circulating, exchanging or destroying unfit currency from time to time along with
maintaining a fresh and adequate supply of currency notes and coins.
Roles in Development: The RBI strives to support national objectives and helps in fostering
economic growth and stability in the country.
Other Functions: The Reserve Bank of India is a banker to the GOI. In fact, it is also a banker to
the banks. In this regard, the RBI undertakes and maintains the banking accounts of all other
banks in the country.
Offices of the Reserve Bank of India
The RBI has 22 regional offices in the state capitals throughout the country. The other institutions
that are undertaken by the RBI are:-
• College of Agricultural Banking
• Banker's Training College
• Reserve Bank of India Staff College
• National Institute of Bank Management
• Indira Gandhi Institute of Development Research (IGIDR)
• Institute for Development & Research in Banking Technology (IDRBT)
Address:
Reserve Bank of India,
Central Office,
Shaheed Bhagat Singh Road,
Mumbai - 400001
Website: www.rbi.org.in
•
• Ratnakar Bank
The Ratnakar Bank was established in the year 1943 in the month of August. In the year 1956,
the bank was conferred the rank of Scheduled Commercial Bank by the Reserve Bank of India.
Ever since its establishment, the bank has been serving its customers with excellent services and
facilities.
History:
The Ratnakar Bank has its roots deep in history. The inception of the bank dates back to the pre-
independence times. Various nationalist leaders joined hands together with the industrialists and
conceptualized the beginning of the Ratnakar Bank. The idea was brought into reality by Mr.
Babgonda bhujgonda Patil who was an eminent Advocate during that time along with Mr.
Gangaram Siddhappa Chougule who was a famous merchant in Kolhapur.
Services offered by Ratnakar Bank

• Depository and Dematerialization
• Venture Capital Fund
• Merchant Banking
• Western Union Money Transfer
• Lease on Finance
• Opportunities in Insurance & Investment
• ATM Facilities
• Drafts
• Credit Counseling Services by BCSBI
Fixed Deposit:
• Ratnakar Tax Saving Term Deposit Scheme 2006
• Amrutkumbha Lakshadish Deposit
• Kalpavruksha Nirantar Deposit
• Payable Deposit Scheme on Monthly Interest
• Cash Certificate
• Reinvestment Deposit
• Unit Deposit Schemes
• Current Account
• Protection for Bank Depositors
• Recurring Deposit
• Non-Resident External (Rupee) Account
Loans offered by the Ratnakar Bank:
• Housing Loan
• Car Loan
• Two Wheeler Loan
• Agricultural Loan
• Educational Loan
• Consumer Loan
• Credit Loan (Commercial)
• Professional Purchase Loan
• Super Secured Loan Scheme
• Sanjeevani Mortgage Loan Scheme
• Ratna trade
Given below is the Audited Annual Financial Results of the year ending as on 31st March, 2009.
Figures are in Rs. Crore:-
Interest earned
137.87
Other Income
15.66
Total Income
153.53
Total Expenditure
107.69
Net Profit
30.53
Paid-up equity share capital (face value of Rs. 10/-per share)
104.72
Return on Assets
1.96%
Contact Details:-
The Ratnakar Bank Ltd.
Administrative Office:
'Mahavir', Shri Shahu Market Yard,
Kolhapur - 416005. Maharastra
Ph: 0231-2650981 to 984
Fax: 0231-2657386
E-mail: it@theratnakarbank.com
•
• Standard Chartered Bank
The Standard Chartered Bank is one of the leading banks and has its branches spread all over the
world. It provides excellent services and facilities to its customers. A majority of the profit earned
by the bank comes from its business operations related to Wholesale Banking and Consumer
Banking in Asia, Africa and Middle East countries.
Brief History
The Chartered Bank was established by James Wilson after Queen Victoria granted the Royal
Charter in 1869. Along with this, the Standard Bank was established in 1862 by John Paterson.
Both the banks worked separately to survive the First World War and its Depression. However,
with the outbreak of the Second World War, the banks suffered heavy losses. They also faced a
lot of problems when the Asian and African countries became independent as they had their
branches there. However, in the year 1969, both the banks decided to merge.
Given below is a broad outline of the list of services offered by the Standard Chartered Bank:-
• Private Banking
• SME Banking
The following services are enlisted under this section:-
• Accounts
• Credit Cards
• Debit & Prepaid Cards
• Loans & Mortgages
• NRI Banking
• Exclusive Banking
• Insurance & Investments
Some of the other services include;
• Priority Benifits
• Priority Solutions
• Priority Services
• International Banking Services
Contact Details
For more details related to banking or insurance services and facilities, you can contact the
Standard Chartered Bank representative at any one of the centers in your respective city.
• State Bank Of India
The State Bank of India, popularly known as SBI, is one of the leading banks in India. The bank
traces its origin to the first decade of the 19th century. Later on, it was merged with the Imperial
Bank. In the year 1955, the Government of India nationalized the Imperial Bank along with the
Reserve Bank of India. Ever since that time, the bank acquired its present name that is SBI.
The State Bank of India is India's largest commercial bank. The bank has been striving sincerely
to adhere to the efforts of providing utmost customer satisfaction to the best possible extent.
Products & Services

• NRI Services
• Agriculture
• International
• Corporate
• SME
• Domestic Treasury
SBI Retail Banking
The following services are provided under Retail Banking:-
• Term Deposits
• Housing Loan
• Educational Loan
• Personal Loan
• For Pensioners
• Against Mortgage of Property
• Against Shares & Debentures
• Plus Scheme
• Medi-Plus Scheme
• Rates of Interest
Apart from these, SBI also provides several other NRI services. The State Bank of India has its
presence all over India with 16,000 branches. Not only this, the bank has made its roots secured
internationally as well. At present, SBI has 131 branches in 32 countries all over the world.
The subsidiary banks of the SBI include;

• State Bank of Indore
• State Bank of Bikaner & Jaipur
• State Bank of Hyderabad
• State Bank of Mysore
• State Bank of Patiala
• State Bank of Travancore
SBI created a unique method of serving its customers even on a holiday. One can find a floating
SBI ATM on a boat in the backwaters of Kerala. This caters to the needs of the customers by
providing service round the clock. Besides, the customers can also avail the facilities of online
banking and transactions./
Contact Details:
Corporate Centre,
Madam Cama Road,
Mumbai- 400 021 India.
• State Bank Of Indore
The State Bank of Indore was initially known as the Bank of Indore Ltd. From January 1, 1962,
this bank became a subsidiary of the State Bank and thus, it came to derive its name.
Incidentally, by the end of the March 2009, the bank has amassed a turnover of Rs. 50,000 crore.
The bank aims at providing quality services to its customers by uncompromising levels of
dedication and devotion.
History of State Bank of Indore

State Bank of Indore came into existence under a special charter of His Highness Maharaja
Tukojirao Holker-III who was the ruler of Indore during that time. This bank oversaw the business
of the Bank of Dewas Ltd. in 1962 and the Dewas Senior Bank Ltd. in 1965. In the year 1971, the
State Bank of Indore was elevated to the status of an 'A' category bank. From that day on, the
bank strives to provide quality service and facilities to its customers and the like.
Corporate Objectives of State Bank of Indore
The State Bank of Indore has set certain corporate goals and objectives for its proper functioning.
This includes the bank's achievements to retain the good work it has done over the years of thus
being the premier bank of Madhya Pradesh. It also strives to create and maintain assets of quality
in order to raise itself to international standards in terms of art technology. Another important
objective of the SBICI include its earnest effort of continuing as the representative of the State
Bank of India. Finally, the SBICI aims at providing better and enhanced customer service through
its outlet branches across the country.
Products offered by the State Bank of Indore
State Bank of Indore provides a variety of services to its customers. These are designed for the
benefit of the customers and ensuring that they receive the best possible outcome from the
services rendered by the bank. Given below is the list of these services:-
• Cross Selling
• Personal Segment
• SIB Segment
• Agriculture Segment
• C&I Segment
• SSI Charter
• NRI Services
Given below are the lists that elaborate on each of the products offered by the State Bank of
Indore:-
Cross Selling
• Edu Shield
• SBI Life
• Mutual Fund
• Credit Cards
• Money Back Policy
• Shakti
• Interest Rates
Personal Segment
• Education Loan
• Medical Loan
• Loan to Pensioners
• Housing Loan Scheme
• Scheme for Car Loans
• Personal Loan Scheme
• Festival Loan Scheme
• Loan Scheme for Two Wheeler
• Loan for Earnest Money
• Interest Rates
• Loan against Mortgage (Immovable Property)
SIB Segment
• Artisans Credit Card Scheme
• Indore Bank Shoppe Indore Bank Laghu Udyami Credit Card Scheme
• Professional Plus
• Doctor Plus
• Swarojgar Credit Card Scheme
• Interest Rates
Agriculture Segment
• Kisan Credit Card Scheme
• Finance for construction of Farmer's Godown
• Finance for setting up Agri Clinics & Agri Business Centers
• Krishi Plus
• Herbal Plus
• Arhatia Plus
• Kisan Gold Card Scheme
• Interest Rates
C&I Segment
• Advances against Warehouse Receipt to Traders, Mutual Funds units and Public Sector
Bonds, debentures and shares
• Flexi Loan benefits
• Trader's Easy Loan
• School-Mitra
• Rent Plus
• Financing to Private Builders
• Providing Financing to Construction Contractors
Domestic Deposit Products
Given below is the list of services provided at the domestic level by the State Bank of Indore:-
• Money Box Deposit
• No Frills Account Saving Bank Account
• Current Account
• Term Deposit Scheme
• Reinvestment Deposit Scheme
• Senior Citizens Deposit Scheme
• Capgains Premium
• Multi Option Deposit Scheme
• Savings Plus Account
• Tax Save
Contact Details:
State Bank of Indore Corporate Office,
5, Yeshwant Niwas Road,
Indore, Madhya Pradesh 452003
Phone:
24 hr. helpline: 1800-2336677
Email: cmcscd@sbindore.co.in
•
• State Bank of Hyderabad
State Bank of Hyderabad had been constituted as Hyderabad State Bank on 8th August 1941
under Hyderabad State Bank Act, 1941. It served as the central bank of the erstwhile State of
Hyderabad, covering present-day Telangana region of Andhra Pradesh, Hyderabad-Karnataka of
Karnataka and Marathwada of Maharashtra. Their functions include managing the currency -
Osmania Sikka and public debt, leaving aside the usual functions of commercial banking.
Gunfoundry in Hyderabad saw the first branch of the bank on 5th April, 1942.
It was in the year 1953 that the Bank overtook the assets and liabilities of the Hyderabad
Mercantile Bank Ltd. and started conducting Government and Treasury business as RBI's agent.
Then right in 1956, the Bank was taken over by RBI as its first subsidiary and the name got
rechristened from Hyderabad State Bank to State Bank of Hyderabad. More transition waited for
the bank as the bank became a subsidiary of the State Bank of India one 1st October 1959 and
presently it is the largest Associate Bank of State Bank of India.
All the branches of the State Bank of Hyderabad are completely intertwined under Core Banking
Solutions - with a wide product and service range for its customers. Latest technologies like
Internet Banking, ATMs - all customers are entitled to these facilities. With a pan India presence,
the Bank operates through more than 1,000 branches.
Financial performance of State Bank of Hyderabad (quarterly and annual basis)
Annual results
Rs in thousands 31st March 2009 31st March 2008
Net Profit for the year 615,80,90 556,98,88
Quarterly results
Rs in crore 30th Sep 2009 30th Sep 2008
Net Profit 234.36 184.84
• State Bank of Patiala
About State Bank of Patiala
State Bank of Patiala (SBP) is a nationalized Indian bank which is a subsidiary of the State Bank
of India. Founded in 1917 by the then Maharaja His Highness Bhupinder Singh, erstwhile Patiala,
the bank was initially named Patiala State Bank. It was named as State Bank of Patiala after it
became a subsidiary of SBI. The bank was set up with the sole aim of nurturing the growth of
agriculture, trade and industry. In 1948, the bank was brought under the control of the Reserve
Bank of India or RBI. Since its inception, the State Bank of Patiala has been constantly working
towards increasing its size and the volume of business.
Today State Bank of Patiala is a bank that has all the modern amenities for its clients including
computerized branches. There are more than 700 branches of the bank spread all over the
country catering to a diverse group of customer. Though the bank has branches across the
country, a majority of the branches can be found in the states of Punjab, Delhi, Jammu &
Kashmir, Gujarat, Madhya Pradesh, Haryana, Rajasthan and Himachal Pradesh.
State Bank of Patiala Services

State Bank of Patiala offers various types of services to its clients. SBP shares its ATM network
with other State Bank group members, so this means that the bank's customers have access to
the more than 7000 State Bank Group ATMs across the country. Some of the services offered by
the bank consist of:
• NRI Services
• Govt. Business
• SME & Corporate Banking
• Agriculture & Rural Banking
Personal Banking
Under the Personal Banking services offered by State Bank of Punjab, various types of loans are
given to customers, so that they can take care of all their monetary needs without any hassles.
SBP Loan to Pensioners is an attractive scheme for retired people. This scheme is available to all
Central, State Government, Defense and SBP pensioners whose pension accounts are maintained
by the bank. All the loans of State Bank of Patiala come with easy repayment options and can be
paid off very easily.
Some of the other services offered by the bank under personal banking consist of SBP Loan
against Mortgage of Immovable Property, SBP Loan for Earnest Money, SBP Education Loan, SBP
Loan against LIC / SBI-Life Products, SBP Loan for Rural Housings, SBP Loan against RBI Relief
Bonds, SBP Loan against Gold Ornaments, SBP Loan against Term Deposits, SBP Home Loan
Scheme, SBP Two Wheeler Loan, SBP Realty, SBP Loan to Pensioners, SBP Career Loan, SBP Car
Loan and SBP Personal Loan
Last 5 year performance (Rs. in Crore)
Particulars 2004-05 2005-06 2006-07 2007-08 2008-09
Total Income 2488.93 2808.58 3507.35 4905.94 6435.69
Total Expenditure including provisions 2201.86 2505.47 3140.82 4492.21 5904.15
Net profit 287.07 303.11 366.53 413.73 531.54
Earning per Share of Rs. 100 each (Rs.) 1160 1225 1481 1672 193*
Return on Assets (%) 0.91 0.73 0.77 0.83 0.83
Return on Equity (%) 14.04 13.56 14.73 15.27 16.96
Yield on Advances (%) 7.95 8.06 8.90 10.53 11.32
Cost of Deposits 4.73 4.90 5.52 7.31 7.89
Paid Up Capital & Reserve & Surplus 2044 2235 2488 2709 3134
Deposits 26495.67 33777.71 39183.62 48570.54 60006.18
Advances (Including Bills) 15359.27 22180.02 29055.76 36400.04 43634.12
Total Assets/Liabilities 31502.80 41416.97 47460.70 59060.04 69665.44
Number of Branches 750 758 766 798 846
Capital Adequacy Ratio (%) {Basel-I} 14.21 13.55 12.38 12.50 11.44
Net NPAs (%) 1.23 0.99 0.83 0.60 0.60
Business per Branch 56.42 74.25 89.09 106.48 122.51
*till last calculation

Address
State Bank of Patiala,
Head Office,
The Mall,
PATIALA - 147 001
Phone: 0175 - 2214303/2214425
Fax: 0175 - 2214303
Email: psmd@sbp.co.in
• State Bank of Mysore
About State Bank of Mysore
State Bank of Mysore (SBM) is an associate bank of State Bank of India, offering a range of
financial products and services to its customers across the nation. Founded in 1913 under the
patronage of Government of Mysore as Bank of Mysore Ltd, State Bank of Mysore became an
associate of SBI in March 1960 with SBI holding 92.33% of shares. The State Bank of Mysore has
its shares listed in various stock exchanges like Mumbai, Chennai and Bangalore.
Branch Network
State Bank of Mysore has an extensive network of 682 branches and 20 extension counters
including 5 specialized SSI Branches, 10 Agricultural Development Branches, 4 specialized
Personal Banking Branches, 4 Industrial Finance Branches, 3 Corporate Accounts Branches, 8
Service Branches, 3 Treasury Branches and 1 Asset Recovery Branch.
Human Resources
State Bank of Mysore has 9720 employees on its roll, which include 3169 supervisory staff and
6551 non-supervisory staff. The State Bank of India's Chairman is also the Chairman of its
associate State Bank of Mysore. There is a Chief General Manager as well as 6 General Managers
who assist the Managing Director of the bank.
Financial Profile
As on March 31, 2009, State Bank of Mysore had a paid up capital of Rs. 360 million, while the
net worth of the bank is Rs. 1619.44 crore. At the end of March 2009, State Bank of Mysore
achieved a capital adequacy ration of 12.99%. In the same financial year, it recorded a profit of
Rs. 336.91 crore.
Business Profile
Following table will showcase the business profile of State Bank of Mysore as on March 2009
(Figures are in Rs. crores):
Total Deposits 32915.76
Total Advances 25616.05
Export Credit 1158.13
Forex Merchant Turnover 19607.42
Forex Trading Turnover 82197.27
Deposits
State Bank of Mysore offers a range of products and services to its customers. Different types of
deposits are offered.
• Saral Savings Bank Account
• SBM Tax Saver Scheme
• Multi Option Deposit Scheme
• Savings Bank Account
• Term Deposits
• Reinvestment Deposits
• Power Money
• Harsha Deposit
Advances
A range of loans and advances products are offered by the bank. Following are the list of
advances provided by State Bank of Mysore:
• Personal Banking Schemes
o Personal Loan
o Mortgage Loan
o Housing Loans
o Happy Home
o Gnanamitra Education Loan
o Loan for purchase of residential site / plot
o MYBANK ADHYAPAK - Personal loan scheme to teachers
o MYBANK ARAKSHAK - Personal loan scheme to police personnel
o MYBANK UTSAV - Personal loan scheme to celebrate Festivals
o SBM Car Loan Scheme - For purchase of new and used cars
o SANJEEVINI - product scheme for high cost treatment
o MYBANK SAMACHAR - personal loan scheme for Journalists
o GAGAN MITRA - New personal loan for Pilot & Air hostess training
o Mybank Udyogi Gnanamitra - New personal segment advance for employed persons
to undertake higher studies
• Commercial & Industrial Banking Schemes
o Scheme for Trades -Liberalised Trade Finance
o Handy Loans Scheme
o Corporate Loan
o Current Account Plus
o Rent Plus
o SBM Paryatan Plus
o SBM School Plus
o Fair Practices Code for lenders
o Terms and Conditions letter for industrial advances
• Agricultural Banking Schemes
o Kisan Gold Card Scheme
o Kisan Credit Card Scheme
o Gramin Bhandaran Yojana (GBY)
o Scheme for Combined Harvesters
o Kisan Chakra Scheme
o Agriclinics and Agri business centers. (ABC 10 dated 30.08.01)
o Solar Photo Voltaic Pumpsets(SPV) for Irrigations
o Scheme for purchase of land for agricultural purposes
o Scheme for development of Vanilla
o Establishment of Bio-Fertiliser Units (Model Scheme)
o Produce Marketing Loan (PML)
o Drip Irrigation
o Sprinkler Irrigation
o Farm Mechanisation- SBM Agri Farm Scheme
o Swarna Mitra Scheme
o My Krishigen
o Scheme for cultivation of Gherkins
o Scheme for financing LPG connection in rural areas
o Scheme for financing to tenant farmers & Oral lessees
o Rain water harvesting scheme for SC/ST farmers
o Scheme for financing of Jatropha plantation
o Scheme for financing to cultivation of patchouli
o General Credit Card
• Micro and Small Enterprises Schemes (MSE)
o Definition of Micro, Small & Medium Enterprises (MSME)
o Credit Guarantee Fund Trust Scheme for Micro, Small & Medium Enterprises (MSEs)
o Loans to Micro and Small Enterprises (MSEs)
o Retail Trade- Advances to Retail Traders
o MSEs- Service Sector (Small Business Enterprises)
o Professionals & Self-Employed persons
o Transport Operators
o Laghu Udyami Credit Card Scheme
o Stree Shakthi package for Women entrepreneurs
o MyBank Sanchari Suvidha
o Annapurna
o Mybank Doctor
o Flexi (SSI) Term Loan
o SME Credit Plus
o Green Auto
o Swarojgar Credit Card scheme
o Mybank Professional Plus
o Artisans Credit card (ACC)
o Stand-by-line of Credit (Term Loan) for SSI and C&I Borrowers
o Reimbursement Facility under Term Loans: (SIB and C&I Segment borrowers)
o "Sooryadeepa": Scheme for Financing Solar Home-lighting system
Forex Services
State Bank of Mysore offers the following forex services to NRIs:

• NRI Deposits
• Money Transfer to India through Western Union
• Remittance facility through State Bank of India, New York Branch
• Remittance to India -Global Link Service (GLS)
Cross-Selling
State Bank of Mysore, following Bancassurance model, has entered into tie-ups with companies
like SBI Life Insurance Company etc. It is also a Corporate Agent of National Insurance Company.
State Bank of Mysore cross-sells the following products:

• SBI Life
• SBI Mutual Funds
• SBI Cards
• Dhanvanthari Bima Policy
Address
State Bank of Mysore
K.G.Road,
Bangalore - 560009, INDIA
Tel: +91-80-22353901 to 22353909 / 22353473.
Fax: +91-80-22283684
• State Bank of Travancore
About State Bank of Travancore
State Bank of Travancore (SBT), one of the leading Indian banks, is a subsidiary of State Bank of
India. Offers a wide array of banking products with a special focus on the state of Kerala and its
people, State Bank of Travancore is equipped with fully computerized Core Banking Solutions
(CBS). SBT has an extensive network of 726 branches spread across the country. Among those,
584 branches are located in the state of Kerala itself. State Bank of Travancore recorded a total
business of Rs. 66,644 crores in the last financial year, of which, Rs. 8,755 crores came from NRI
business.
State Bank of Travancore offers 130% dividend to shareholders. It also has the largest network of
ATM within its home state. SBT also offers various new-age services like Internet Banking, E-
Commerce, E-Payments, Fee Payments and Utility Bill Payments etc.
Brief History
State Bank of Travancore was founded in 1945 as the Travancore Bank Ltd. It's the then Divan of
Travancore Mr. C. P. Ramaswami Iyer who took the initiative to establish the bank. However, due
to the violent bitterness against his directorial rule, the bank doesn't credit his role, and instead
often credits the Maharaja of Travancore as the founder. The government of Travancore has only
25% of the capital in the bank. Initially, it had its registered office in Madras (now Chennai). It
was the year 1960, when SBT became a subsidiary of State Bank of India.
Mergers / Acquisitions
State Bank of Travancore took over several small and private banks in Kerala during 1959
through 1965. Following are the list of those:
Year Bank
1959 Indo-Mercantile Bank
1961 Travancore Forward Bank
Kottayam Orient Bank
Bank of New India
1963 Vasudeva Vilasom Bank
1964 Cochin Nayar Bank
Latin Christian Bank
1965 Bank of Alwaye
Chaldean Syrian Bank
Statistics through the Decades

(Rs. in Lakhs)
December December March March March March
Year
1971 1981 1991 2001 2008 2009
Deposits 6,449 49,812 245,426 1,157,279 3,535,389 4,204,192
Advances 4,142 29,711 133,348 639,750 2,813,662 3,271,093
Net Profits 8 27 400 9,749 38,611 60,784

Branches 218 475 608 671 710 726
Employees 3,275 8,199 12,172 12,172 11,365 11,365

Offerings
State Bank of Travancore offers a range of banking products and services to its customers.
Following services are offered by SBT:
• NRI Services
• Social & Rural Banking
• Other Services
Personal Banking
SBT has a range of services in its Personal Banking. Following are the Personal Banking services
offered by SBT:
• Deposit Schemes
o Savings Bank
o Current Account
o Recurring Deposit
o Variable Deposit
o Sukanya Deposit
o Prathibha Deposit
o Tax Saver Deposit
o Term Deposit
o Reinvestment Plan
o Unit Deposit
• Janapriya Account
• Personal Finances
o Against Deposits
 Cash Key Facility
o Gold Loans
 Conventional
 Liquid Gold
o Against Scrips
 Mitra Varsha/li>
o Personal Loans
 Housing Loan
 Sahaya Varsha
 Computer Loan
 Car Loan
 Two Wheeler Loan
 HOME CASH
 Home Décor Loan
 Education Loan
 Suvidha Loan
 Prasanthi Loan
 Prasanthi Elite
• Public Provident Fund
• Reverse Mortgage Loan
• Asihwaryotsav
o Home Loan
o Car Loan
Business Banking
In the Business Banking category, following services are offered by State Bank of Travancore:
• MSME Financing
• MSME Care Centre
• Financing Trade & Services
• Gold Card for Exporters
• Debt Restructuring for SME
• Current A/c – SBT Easy BIZ
NRI Services
State Bank of Travancore offers a host of services for the NRIs. Following are the services that
they can avail of:
• NRI Deposit Schemes
o Savings Bank Accounts
o Fixed or Term Deposit Accounts
o FCNR Accounts
o RFC Accounts
• Loans for NRIs
o Housing Loan
o Education Loan
o Car Loan
o Suvidha – All Purpose Mortgage Loan
• NIR Care – Insurance
• Vishwa Yatra Foreign Travel Card
Social & Rural Banking
Following social and rural banking services are offered by SBT:

• Welfare Measures
• Agriculture Finance
o Sbt Kisan Gold Card Scheme
o Kisan Credit Card Scheme
o Homestead Farming
o Purchase Of Land For Agricultural Purposes
o Scheme For Cultivation Of Medicinal Plants
o Scheme For Cultivation Of Vanilla
o SBT Rain Water Harvesting Scheme
o Advance Against Warehouse Receipt
o Agri. Loan To Non-Resident Indians
o Minor Irrigation
o Farm Mechanization
o Agriculture Gold Loan
o Karshaka Suhuruth
o Venture Capital Loan Schemes
o Scheme For Agri Clinics And Agri Business Centres
o Scheme For Development / Strengthening Of Agriculture Marketing Infrastructure,
Grading And Standardization
o Construction / Renovation / Expansion Of Rural Godown
o Agri Gold Loan For Allied Agricultural Activities
o Scheme For Modifying Existing Fishing Vessels For Tuna Long Lining
o Financing Against Warehouse Receipts Issued By NBFC
o Scheme For Financing Milking Machines
o Scheme For Financing Of Farmers For Purchase Of New Multi Utility Vehicles For
Agri Purposes
• Micro Finance
Other Services
The other services offered by State Bank of Travancore include the following:
• Insurance
• Mutual Fund
• Credit Card
• Demat Services
• Custodial Services
• International Debit Card
• Pilgrim Service Center
• State Bank of Travancore Loans
• State Bank of Travancore Jobs
• State Bank of Travancore Online Banking
• State Bank Of Bikaner & Jaipur

State Bank of Bikaner and Jaipur (SBBJ) is one of the leading banks in India with more than 860
branches across the nation, mostly in the state of Rajasthan. An associate bank of State Bank of
India, SBBJ has its main area of operation in Rajasthan, however, it also covers all the major
business centers of the country. State Bank of Bikaner and Jaipur entered into the capital market
with an IPO of 13,60,000 shares (Rs. 440 per share).
Brief History
State Bank of Bikaner and Jaipur was founded in 1963 as a subsidiary of State Bank of India
when the two banks State Bank of Jaipur and State Bank of Bikaner merged with each other.
Later on April 25, 1966, State Bank of Bikaner and Jaipur took over Govind Bank of Mathura.
State Bank of Bikaner and Jaipur started focusing on the rural parts of the state. It opened up
Ganganagar Kshetriya Gramin Bank in 1984, which worked as a district Regional Rural Bank. Next
year, it opened Bikaner Kshetriya Gramin Bank. It also opened Marwar Gramin Bank for the
districts of Pali, Sirohi and Jalore. Later, all the three banks were merged into MGB Gramin Bank
on June 12, 2006 with its headquarters in Pali.
State Bank of Bikaner and Jaipur follows transparent corporate governance policies and always
apply the latest technologies in its operations. SBBJ is also among the first Indian banks that
implemented online banking system across the nation. It has migrated all its branches to Core
Banking Solution (CBS). Internet banking facility is also available to for retail and corporate
customers. SBBJ has also taken an initiative to improve its operational efficiency and enhanced
customer service by rolling out Business Process Reengineering (BPR). Currently, State Bank of
Bikaner and Jaipur has more than 495 ATMs also.
State Bank of Bikaner and Jaipur has been seeing profits since its inception. The business of this
Indian bank has also surpassed Rs. 69,000 crore mark. At the end of March 2009, SBBJ had a net
profit of Rs. 403.45 crore.

State Bank of Bikaner and Jaipur offers a wide array of financial products and services to its
customers across the nation. Following are the products and services offered by SBBJ:
o Deposits
 Savings Bank Account
 Silver Savings Account
 Suraksha Savings Bank Account
 Saral Bachat Khata
 Term Deposit Scheme
 Special Deposit Scheme
 Recurring Deposit Scheme
 SBBJ Flexi Deposit Scheme
 Special Scheme for Senior Citizens
 Capital Gain Scheme 1988
 SBBJ Tax Saver Term Deposit
 SBBJ Delight
 SBBJ Scholar Savings Bank Account
 SBBJ Gold Savings Bank Account
 SBBJ Diamond Savings Bank Account
o Advances
 SBBJ home Loan
 SBBJ Realty
 Housing Loan for Rajasthan Govt. Employees
 Housing Loan Scheme for NRIs
 Earnest Money Deposit Scheme for Purchase of Land/House
 SBBJ Car Loan Scheme
 Vishesh Vahan Yojna for Rajasthan Govt. Employees
 SBBJ Two Wheeler Loan Scheme
 SBBJ Education Loan Scheme
 SBBJ Rent Plus Scheme
 SBBJ Mortgage Loan Scheme
 Advance Against RBI Relief Bonds
 SBBJ Gold Loan Scheme
o Safe Deposit Lockers
o Regular Current Account
o Diamond Current Account
o Gold Current Account
o SME Power Pack Current Account
o Flexi Deposit SB & CD Accounts
o POWER JYOTI Current Account for Fee Collection
o Mortgage Loan for Trade & Services
o Services for Exporters and Importers
o Services for Domestic Customers
o SBBJ Expo Gold Card
o Interest Gold Card
• NRI Services
o Services for Exporters and Importers
o Savings Bank Account
o Current Account
o Term Deposit Account
• Agriculture Products
o Kisan Credit Card Scheme (KCC)
o Kisan Gold Card Scheme (KGC)
o Loans for Purchase of Agricultural Implements
o Minor/Micro Irrigation Scheme
o Loans for activities allied to Agriculture
o Loans for Medicinal & Horticulture Plantation
o Kisan Vahan Yojana
o Vermi Compost Scheme for Organic Farming
o Storage Facilities Development
o Rural Housing
o Arthias Plus Scheme
o Loans on Agricultural Products
• Service to SMEs
o Laghu Udhyami Credit Card Scheme (LUCC)
o Tatkal Vyapar Suvidha Scheme
o General Purpose Term Loans
o SME Smart Score Scheme
o Artisans Credit Card
o Scheme for Beauty Parlor
o SBBJ Tourism Plus
o SBBJ Shoppe
o Car Loan to SME Units
o Mortgage Adcance
o SBBJ Transport Operators Scheme
o SBBJ Professional Plus
• Government Business
• Other Services
o E-mitra
o Demat Services
o Internet Banking
o ATM Services
o Real Time Gross Settlement
o Cross Selling Activities
o National Electronic Fund Transfer
Address
State Bank of Bikaner and Jaipur, Tilak Marg, Jaipur – 302005 Tel: +91- 0141- 5101613
E-mail: cmcustomercare@sbbj.co.in Web: www.sbbjbank.com
• Syndicate Bank India

Syndicate Bank Details:
Syndicate Bank India, established in 1925 in Udupi in Karnataka plays a vital role in providing
financial assistance in the rural and semi urban areas as well as to the individuals.
The first scheme of the bank was the Pigmy Deposit Scheme which at present is the Bank's brand
equity. In 1962, the Syndicate Bank India opened an all women branch in Bangalore.
Activities:
The Syndicate Bank offers varied products and services like:

• Deposits- Synd 400 Plus & Synd 500 Plus, Synd-Super Premium Savings Bank Account,
SyndSamanya Savings Bank Account, SyndTaxShield Deposit, Vikas Cash Certificate,
Syndicate Suvidha Deposit, Pigmy 1928 Deposit, Pigmy Plus 2007 Deposit, Synd Corporate
Suvidha Deposit Scheme
• Personal Loans- SyndSaral, SyndSenior, SyndRent, SyndVahan, SyndSuvidha,
SyndVyapar, SyndSwarna, SyndPigmy, SyndLaghuUdhyami, SyndKisan, SyndNivas,
SyndNivas Plus, SyndVidya, SyndVidyarthi, SyndPravasi, SyndMahila, SyndMortgage,
SyndiUdyog
• Agricultural Loans - Synd Jai Kisan Loan Scheme, Jewel Loan Scheme for Agriculture,
Syndicate Farm House Scheme, Farm Mechanisation Schemes, Finance for Hi-tech
Agriculture, Development of Irrigation Infrastructure, Syndicate 2/3/4 Wheelers Scheme,
Animal Husbandry Scheme, Rural Employment Generation Programme, Syndicate Kisan
Credit Card, Solar Water Heating Systems
• Priority Sector Loans - Scheme for Financing Rural Tourism, Synd Swarojgar Credit Card
Scheme, Syndicate Kisan Samrudhi Credit Card Scheme, Syndicate General Credit Card
Scheme, Synd Solar Jyothi Scheme, Grameen Bhandaran Yojana
Other value added services offered by the Syndicate Bank In India are the Cash Management
Services, Gift Cheques, ATM, Telebanking, Internet Banking, Any Branch Banking, Multi City
Accounts, Synd Bill Pay, On-Line Collection of Direct Taxes, On-line Railway Ticket Booking,
Western Union Money Transfer, SyndInstant and Electronic Funds Transfer(EFT) System.
Performance:
1. The financial highlights of the Syndicate Bank India as on 31st march, 2007 are: Total
Income ? 665855 lakhs
Total Expenditure- 527591 lakhs
Net Profit- 71611 lakhs
2. In 2006 the Syndicate Bank India launched the Syndicate General purpose Credit Card,
SyndJaiKisan and Scheme for financing tenant farmers. The IDRBT has conferred Syndicate Bank
India the Special Award for Use of IT for Customer Service in Semi-Urban and Rural Areas.
3. In 2007 the Syndicate Bank India launched SyndShakti to provide credit to the artisans & self-
employed persons.
Organization:
Shri C P Swarnkar is the Chairman & Managing Director of Syndicate Bank India.
Head office:
Syndicate Bank
Manipal PB no.13,
Udupi dist.,
Karnataka State- 576 119
Phone: 08252-570918
Fax: 08252-570827
Website: www.syndicatebank.in
•
• SBI Commercial
The SBI Commercial and International Bank is popularly known as SBICI Bank. It functions as a
Private Sector Bank and offers excellent services to its clients that include Net Banking, Tele
Banking and ATM facilities.
The bank has also received the ISO-9002 award to its credit. As the name suggests, the SBICI
Bank is a fully owned subsidiary of the State Bank of India. The SBI Commercial and International
Bank was established in the year 1955 in order to assist SBI's corporate and international banking
services.
Foreign Exchange Benefits:
As per the October 2003 regulation, the SBICI grants foreign exchange up to US$ 10,000 on the
grounds of tourism or personal travel to any other country of the world apart from Nepal and
Bhutan. With regard to students, the amount reaches up to US$ 100,000 for every single
academic year. For further queries and loans, the bank would investigate up on documentary
evidence from time to time.
Given below is the financial result of March 2009

March
Name March 2009
2008
1 Paid-Up Capital 100.00 100.00
2 Reserves 25.59 14.53
3 Net worth 125.59 114.53
4 Operating Profit 11.52 12.37
5 Net Profit/(Loss) 11.07 12.85
6 Total Deposits 588.12 522.01
7 Aggregate Deposits 538.33 446.06
8 Total Advances 315.34 363.75
9 Net Advances 310.97 358.48
10 Investments 217.36 143.59
The SBICI performs efficiently and effectively and caters to the needs of its clients to the best
possible extent. Being a part of the State Bank of India, the SBICI has made its mark not only
nationally but also, in the international scenario as well.
The following services are offered by the SBI Commercial and International Bank:-
Deposit Schemes
• Saving Bank
• Current Account
• Fixed Deposits
• NRE Accounts or Non Resident External Accounts
• FCNR(B) Deposits or Foreign Currency Non- Resident Accounts Banking
• RFC or Request For Change
• Basic Banking without Frills
• Account
Facilities for NRI Banking:-

• Personal Loans
• Consumer Loan
• Home Loan
• Mortgage Loan
• Money in lieu of Shares & Securities
• Loan for vehicles
• Education Loan
Facilities for Remittance
• Drafts
• Pay Orders
• Swift
• Product
Address:
• Corporate Office & Main Branch
• Maker Chambers III,
• Nariman Point,
• Mumbai- 400021
• India.
• Lokhandwala Complex Branch Nebula Apartments,
4th Cross Lane,
Lokhandwala Complex,
Andheri (W),
Mumbai- 400 053
Email: mumsbici@bom3.vsnl.net.in
• Shamrao Vithal Co-operative Bank
The Shamrao Vithal Co-operative Bank Limited was initiated when collaboration was just starting
to attain prominence in India. It was established with the main motive of supporting the under-
privileged associates of the group in its fiscal ventures. Other objective of the firm is to endorse
deposits and to raise capital for offering fiscal assistance to the worthy associates.
The founder of the bank, Rao Bahadur Shripad Subbarao Talmaki, was the chief planner of the
Bank. Shamrao Vithal Co-operative Bank Limited was formerly scheduled as a Mutual Finance
Society on December 27, 1906.
Encouraged by condescending principles for the advancement of fiscal, ethical and material
security of the society; the Bank made a foray in the financial market with diffident means.
Landmarks Achieved
The prominent landmarks achieved by Shamrao Vithal Co-operative Bank Ltd are mentioned as
below:
• The bank launched its Fixed Deposits, Collective Deposits and Savings Bank Deposits
scheme in 1907
• In 1910 the bank inaugurated its first Co-operative retail outlets
• Introduced Education Fund in the year 1911, Fidelity Guarantee Fund in the year1927,
Staff Gratuity Fund in the year 1954 and Distress Relief Fund in the year 1931.
• The bank offers services for transfer of funds by Draft to associates in the year 1911
• The bank launched its sectoral sponsorship in the year 1966 and credit card finance plan in
1913
• The bank initiated its foremost mutual Housing Society in 1915 in Mumbai
• It released all its services to all sections of the society in the year 1956
• Release of Safe Deposit Vaults and Cash Certificates in 1964 and 1975 respectively
• Attained an organized bank reputation in the year 1988
• The bank breached its deposits landmark in 2000 at Rs 1000 crores
• It initiated it?s corporate division in 2002 at Vakola
• The bank employed Genius I Core Banking Application in all its nationwide subdivisions in
the year 2003
The details of financial report of Shamrao Vithal Co-operative Bank Ltd as on 2009 are as under:
Deposits in the financial year 2008 ? 2009 estimated at Rs.4344.84 crore

Deposits in the financial year 2007 - 2008 estimated at Rs.3501.39 crore
Calculated Growth : 24.09%
Finance Employment in the financial year 2008?2009 estimated at Rs.2770.82 crore

Finance Employment in the financial year 2007 - 2008 estimated at Rs. 2382.57 crore Calculated
Growth : 16.30%
Productivity in the financial year 2008?2009 estimated at Rs. 47.47 crore

Productivity in the financial year 2007 - 2008 estimated at Rs. 33.72 crore
Liquidity in the financial year 2008?2009 estimated at Rs.1954.89 crore

Liquidity in the financial year 2007 - 2008 estimated at Rs.1477.15 crore
CD percentage in the financial year 2008 - 2009 estimated at 63.77%

CD percentage in the financial year 2007 - 2008 estimated at 68.05%
Total Funds in the financial year 2008 - 2009 estimated at Rs. 80.38 crore
Total Funds in the financial year 2007 - 2008 estimated at Rs.74.17 crore
Capital to Risk Asset Ratio (CRAR)

CRAR in the financial year 2008 - 2009 estimated at 13.27%
CRAR in the financial year 2008 - 2009 estimated at 12.70%
Some of the products and services offered by Shamrao Vithal Co-operative Bank Ltd are as
follows:
• E-Banking
• Deposit Services
• Credit Services
• Preferred Banking
• Uninterrupted banking Services
• Forex Services
• Attractive Rates of Interest
• Contact Details
Delhi Branch
G/4, Guru Amardas Bhavan,
78 ? Nehru Place,
New Delhi ? 110019
New Delhi
Tel: (011) 26411127
Mumbai Branch
Heeramani Ratan CHS Ltd,
Ground floor,
Bangur Nagar,
Goregaon (W)
Mumbai - 400090
Maharastra
Tel: (022) 28712690
Fax: (022) 28712689
Chennai Branch
15 C Block 6th street,
Near Chintamani Signal,
Anna Nagar (East)
Chennai - 600102
Tamil Nadu
Tel: (044) 26208988
• South Indian Bank
One of the oldest banks in Southern part of India, South Indian Bank Ltd was inaugurated during
the period of Swadeshi movement at the time of independence. The founding of the bank was
with the aim of accomplishment of the visions of a community of inventive individuals who joined
collectively at Thrissur to offer people a secured, competent and service centric depository of
savings. This facility was opened for community as a whole and entrepreneurs in order to free
them from the grasps of fraud loan lenders besides offering requirement based loans at attractive
interest rates.
Interpreting ideas of the founders of the bank as its business aim, the bank over its long journey
has been able to present it as a vivacious, rapidly developing and service centric monetary agent.
With numerous sub-divisions across India, South Indian Bank Ltd takes pride of its
comprehensive range of clients and is regarded as the most upbeat bank in India, assisted with a
team of experienced and technologically well-informed professionals.
Landmarks
Some of the landmarks achieved by South Indian Bank Ltd are:
• The bank was among the first private sector banks in the state of Kerela to get the
recognition of the organized bank under Reserve Bank of India Act in the year 1946.
• The bank was among the first private sector banks to launch an Exchange locker with due
permission from Reserve Bank of India in the year 1992
• The bank was among the first private sector banks to introduce a NRI operational division
in the year 1992
• The bank was among the first private sector banks to commence a Sectoral Credit Division
in 1993
• The bank was among the first private sector banks to launch an international division in
state of Kerela in an attempt to serve completely to the export and import trade in 1993
• The bank was among the first private sector banks to create a domestic, all inclusive and
well-equipped division in the year 1992
• The bank was among the first private sector banks to employ fundamental banking
network
• Among all Private Sector banks in India, South Indian Bank Ltd has the third biggest
divisional set-up with all its sub-divisions under fundamental banking network
Some of the products and services offered by South Indian Bank Ltd are:
Personal Banking
• Business Accounts such as Current Account, Cash Credits(CC) , Mercantile Credits and
Overdrafts(OD)
• Domestic Finance such as Working Capital finance, Non Fund Based finance and Long Term
Finance
• International Finance for export and import activities
• Money Transfers such as Transfer of funds within India and Transfers of funds overseas
• Value Added Services such as Any Branch Banking, International ATM cum Debit Cards
service, E-Banking, Cellphone Banking, Credit Card, Demat Services, general insurance
and life insurance services
NRI Banking and Commercial Banking
• Accounts & Deposits such as NRE Rupee Account, Foreign Currency Deposits and NRO
Rupee Account
• Loans such as Personal, Home, for NRIs coming back to India and Loan against property
for both domestic and NRI clients
• Money Transfers such as Transfer of funds within India and Transfers of funds overseas
• Mutual Funds through its association with premier MF firms such as Reliance Mutual Funds,
HSBC Investments, HDFC Mutual Fund, Fortis Investments, TATA Mutual Fund, Birla Sun
Life Asset Management Company Ltd.
• Insurance such as General, Life and Health Insurance
• Value Added Services such as International ATM cum Debit Card, E-Banking, Demat
Services, Cellphone Banking, Credit Card services and NRI Subdivision
• Contact Details
Head Quarters
South Indian Bank Ltd.
T.B Road,
Mission Quarters,
Thrissur 680 001,
Kerala,
India
Tel: +91-487-2420020, 2420058, 2420113
Email: sibcorporate@sib.co.in
• Tamilnad Mercantile Bank
The Tamilnad Mercantile Bank, popularly known as TMB was established on 11th Nov, 1920 in
Tuticorin. Prior to this, the bank was known as the Nadar Bank Ltd. Till the year 1947; the bank
had only 4 branches. Now, it has 215 branches all over India with 7 regional offices and 11
extension counters. In fact, the Tamilnad Mercantile Bank has tie ups with IDBI Bank across 108
locations and HDFC Bank across 278 locations throughout the country. The TMB was voted the
best bank in India in the year 2008.
Profitability:
Initially, the Tamilnad Mercantile Bank made a Net Profit of Rs. 6984.00 in the year 1921. The
profit amount rose up to Rs. 5.05 lakh in 1971 and reached Rs. 126.74 crore in the year 2008.
This just bears a testimony to the fact that the bank has been steadily and gradually making
progress. It is interesting to note that this bank has a very high reserve base with an equally high
earning on each and every share.
Achievements:
The Tamilnad Mercantile Bank has a series of achievements and awards to its credit. In the
Financial Year 2008-2009, the bank has received a few recognitions and appreciations. To begin
with, the bank topped the list among 15 other banks in terms of performance in accordance to its
Savings Bank Account in 2008. This was certified by a recognized agency of the Indian Banks
Association.
Apart form this; the Tamilnad Mercantile Bank was also awarded the Dun & Bradstreet's Banking
Awards for the best Indian Banks of the year 2009. The award was given for the Private sector
bank in the rural category.
Products & Services:
Given below is a brief outline of the various services provided by the Tamilnad Mercantile Bank:-
• Banking facility Anywhere Anytime
• Mobile SMS Banking
• Demat A/c Services
• Processing Charges
• Bill Payment Services
• Smart Shoppers Visa Card
• India Card Credit Card
• Mutual Fund Marketing
• RTGS, ECS & NEFT Service
• W.U. Money Transfer
• NCDEX Clearing
• Citizen's Charter
• Compensation Policy
• Mobile SMS Banking
• Demat A/c Services
• Processing Charges
• Bill Payment Services
Business Performance of the Tamilnad Mercantile Bank as on 30th September, 2009:-
Key Highlights Rs. (in Crore)
Total Deposit 9774.45
Total Business increase 16747.97
594.77
Total Income increase
(16.61%)
68.47
Net Profit increase
(29.29%)
3040.57
Priority Sector advance
(45.61%)
1249.83
Advance to Agriculture
(18.75%)
Net worth 1000
Forex Merchant Turnover 5781
Operating Profit 265.27
Deposit 9566
Business Volume 16137
Deposit Schemes:
• Fixed Deposit
• Muthukkuvial Deposit
• Navarathnamala
• Deposit Interest Rates
• Savings Bank A/c.
• SB Premium A/c
• Classic Salary SB A/c
• Current A/c
• Janatha Savings A/c
• Cash Certificate
• Pearl Deposit
• Siranjeevee R. Deposit
• Santhosh Deposit
• Tax Saving Deposits
• TMB Double Deposit
Retail Loans offered by the TMB:
• Loan for Two Wheeler's
• Car Loan
• Personal Loan
• House Rent Loan
• Short Term Education Loan
• Doctor Loan
• Gold Over Draft
• Pensioner Loan
• IPO Finance Loan
• General Credit Card
Business Loan:
• Banana Cultivation
• SME Credit
• Channel Finance
• Genset Finance
• Loans for Rice Mill, Traders, Tractors, Mahalir and Mortgage
International Banking:
• Forex Services & Rates
• Forex Analysis
• Inward & Outward Remittances
• Facilities for students going abroad
• Credit Facility for Export
Contact Details:
Tamilnad Mercantile Bank Limited Head Office
57, V. E. Road, Tuticorin

Tamil Nadu, India. Zip: 628 002
Phone: + 91 461 2321382 / 2321929 / 2321932
Email: bd@tnmbonline.com
ttn_tmbankhi@sancharnet.in
International Banking Division (IBD/Forex):
269/2-4 Avvaishanmugham Road
Royapettah, Chennai,
Tamil Nadu
Zip: 600 004
Phone: + 91 44 2813 1028 / 2813 1029
Email: ibd@tnmbonline.com
All India Toll Free No: 18004250426.
• The Nainital Bank Ltd.
Ranked among the premier private banks in India, the Nainital Bank Ltd offers customized
banking and financial services to the customers across the country. From personal banking to
short term and long term loans, the bank is a trusted name to avail different kinds of banking
needs. More and more people across India are opting for the Nainital Bank Ltd to get the facilities
and services of high standards.
Growth of the Nainital Bank Ltd
Since its inception, the Nainital Bank Ltd is steadily adding to its customer base and also coming
up with new services for the convenience of the people. The head office of the bank is located at
the Mallita region in Nainital in the state of Uttarakhand. There is also a regional office at New
Delhi. Mr. Animesh Chauhan is the Chairman and CEO of the bank.
Today, the bank has around 88 branches in various parts across the country. All the branches
coordinate with each other and work in a very professional manner to take care of the needs and
preferences of the customers. The dedicated and skilled workforce of the bank is cordial and
provides almost types of support that are needed for the assistance of the customers.
Product and services of Nainital Bank Ltd

The products and services offered by the Nainital Bank Ltd cater to the various segments of the
society. The main objective of the bank is to provide the best of services to become a well
preferred name in the high competitive banking industry. The main sectors on which the services
of the bank are mainly concentrated are:
• Personal banking services
• Business banking services
• Rural or agro based banking services
• Technology related services
In case of the personal banking services, the Nainital Bank Ltd provides a number of financial
solutions and benefits to the customers. The services offered by the bank help people to become
financially stable through proper accumulation of funds. In addition to providing account schemes
such as fixed deposits, current deposits and savings deposits, the bank also provides a number of
flexible yet lucrative schemes like:
• Apna Ashiyana scheme
• Naini Sahyog scheme
• Suhana Safar scheme
Due to the high class facilities and services, the corporate banking facilities of Nainital Bank Ltd
are also gaining popularity among the big level corporate houses, offices and other business
units. The business services of the bank cater to the business and marketing needs of the
companies and help to be financially stable. Some of the well known business services offered by
the bank consist of:
• Working capital finance services
• Retail business finance services
• Project finance services
• Long term and short term loan services
• Rural and agro based services is one of the major areas of expertise of the Nainital Bank
Ltd. The bank offers financial help and stability to the farmers and the rural people by
providing short term and long term loans and credits for the purchase of seeds, pesticides
and other agricultural equipments. In addition to these services, one can also avail some
other services like collection services, electronic transfer services, locker services and so
on.
The bank also uses the help of technology to offer better and upgraded facilities and
services. Customers can also avail a number of services such as internet banking, ATMs,
mobile banking services, TM branch interconnectivity services and so on.
• Union Bank Of India
Union Bank of India had started with a vision to turn into "the bank of first choice in our chosen
area by building beneficial and lasting relationship with customers through a process of
continuous improvement". Also referred to as UBI, because of which many confuse it with United
Bank of India, the Union Bank of India has evolved into one of the largest state-owned banks in
India. It is also included on the Forbes 2000 list.
The Union Bank of India has its offices in the overseas destinations like United Arab Emirates, Abu
Dhabi, Shanghai and Peoples Republic of China. Its branch can be found in Hong Kong also.
Background
In the year 1919, the Union Bank of India underwent a registration process as a limited company
in Mumbai. Our Father of the nation 'Mahatma Gandhi' had done the inauguration of this bank. In
1947, UBI had 3 branches in Mumbai and 1 in Saurashtra. In1975, it was assigned the status of
the national bank by the government. At that point of time, it was managing 240 branches across
28 states.
In its journey, UBI witnessed mergers with a private sector bank called Belgaum Bank and then
Miraj State Bank. On the request of RBI, it acquired Sikkim Bank, which had 8 braches in the
North-east at that time.
In the year 2007, Union Bank of India made its presence felt in the international arena by
opening representative offices in the destinations of United Arab Emirates, Abu Dhabi, Shanghai
and Peoples Republic of China. Besides, it chose Hong Kong as the destination to open its very
first branch outside India.
Union Bank of India offers its customers various types of products and services so that they can
make the most of their banking experiences. The wide range of the services and products consist
of:
Personal Banking
• Accounts & Deposits – cumulative deposit scheme, deposit reinvestment certificate,
monthly income scheme, union flexi-deposit, senior citizens scheme, multi gain savings
account, no frills saving account, union super salary account, union classic current account
• Retail Loans – union cash, union home, union health, union miles, union education, union
top up, EMI calculator, union smile
• Cards - Classic / Silver / Gold, Corporate Credit Cards, Add-On Cards
• Insurance & Investment – mutual fund, union healthcare
• Demat – demat accounts, online share trading
• Payment
NRI Banking
• Remittance - Union E-Remit, Nostro Details for Remittance
• Savings & Deposits - NRO Non Resident Ordinary A/c Scheme, NRE Non Resident External
Rupee, RFC, FCNR(B), Union Unfixed, Foreign Currency Deposit
• Loan & Services – house loans, foreign currency loans, loans against deposit, immovable
property, and shares or debenture
• Payments - Union Bill Pay
Corporate Banking
• CMS - Union Speed, Union Centralized Debits/Credits, Union Prompt
• E-Tax - Customs and Direct taxes, DGFT, Central Excise and Service Tax
• Trade Finance – trade finance for exporters, trade finance for importers, foreign currency
loans, correspondent banking
• Insurance - Non life Insurance – Corporate Agency, Insurance- Corporate Agency
• Syndication of Loans
• MSME Banking
• Loans & Policies
Internet Banking
• Account Information
• Transfer of Funds
• Bills
• Requests
• Mails
• Trade
• Limits
• Currency
• Uploads
• Customization
• Financial enquiries
• Non Financial enquiries
Head Office
Union Bank of India

239 Vidhan Bhavan Marg,
Central Office,
Nariman Point,
Mumbai -21
• Union Bank of India Loans

• Union Bank of India Online Banking
• Union Bank of India Jobs
• Union Bank Of India Online
•
• United Bank of India

About United Bank of India
United Bank of India (UBI) is one of the leading banks in India offering a host of banking products
and services to its customers across the nation. Founded in December 1950 with the
amalgamation of four small banks in Bengal viz. Hooghly Bank Ltd, Comilla Union Bank Ltd,
Bengal Central Bank Ltd. and Comilla Banking Corporation Ltd, United Bank of India was
nationalized along with 13 other banks on July 19, 1969. It continuously works toward emerging
as one of the most dynamic, tech-savvy, progressive and customer-centric bank in India with
pan-India presence. United Bank of India focuses on the business growth and profitability, while
gives due importance on risk management in professional environment.
Currently United Bank of India has more than Rs. 54,536 crores of deposits as well as Rs. 35,727
crores of gross advances. It also has a three-tier organizational set up which comprises of the
Head Office, 28 Regional Offices and 1,470 Branch Offices.
Role in Development
United Bank of India, after its nationalization, played a major role in the development in the rural
and semi-urban areas. It's also designated as the Lead Bank in 30 districts in states like West
Bengal, Tripura, Assam and Manipur. It also plays an instrumental role in spreading banking
services to the remotest areas of the country, particularly in the Eastern and North-Eastern part
of the country. It has also sponsored 4 Regional Banks (RRB) in West Bengal, Tripura, Assam and
Manipur, where it has contributed 35% of the share capital.
Brief History
The history of United Bank of India dates back to 1914 when one of its constituents of banks
Comilla Banking Corporation Ltd. was founded. In the following years, its other three constituents
Bengal Central Bank Ltd, Comilla Union Bank Ltd and Hooghly Bank Ltd. were founded in 1918,
1922 and 1932 respectively. All of them were amalgamated to form United Bank of India in 1950.
Later, Tezpur Bank Ltd. and Cuttack Bank Ltd. also merged with UBI in 1961. In 1973,
Hindusthan Mercantile Bank Ltd. merged with UBI and again in 1976, it's the turn for Narang
Bank of India Ltd. to merge with United Bank of India.
Financial Results
Following are the Audited Financial Results of UBI for the year ended March 31, 2009:
(Rs in thousand)
Year Ended 31.03.09 Year Ended 31.03.08
Income 48,027,254 40,227,918
Expenditure 4,925,189 1,479,876
Profit 1,847,096 3,185,503
Offerings
United Bank of India offers a range of products and services to its customers, which include the
following:
• Deposit Schemes
• Utility Schemes
• Retail Credit
• Priority Sector
• SME Segment
• United Demat
• Third Party Products
Deposit Schemes
Following are offered under deposit schemes:

• United Tax Savings Growth Plan
• United Tax Savings Income Plan
• United Bonanza Savings Schemes
• Fixed Deposits
• Re-Investment Plans
• United Bonanza Current Deposit Schemes
• United Flexi Deposit Schemes
• United Anand Deposit Schemes
• Capital Gains Accounts Schemes
• Savings Bank Account
• United Children Savings Account
• United Basic SB Account
• United Current Deposit Account
• United Gold and Platinum Current Deposit Schemes
Utility Schemes
• NRI (Non-Resident Indian)
• United Mobile Services
• Forex
• United Suraksha Yojana
• RTGS (Real Time Gross Settlement)
• OLTAS
• Collection of Tax
• E-Payment
Retail Credit
• United Housing Loan Scheme
• United Smart Loan Scheme
• United Housing Loan for Pensioners
• United Personal Loan Scheme for Salaried Persons
• United Demand Loan Scheme
• United Personal Loan Scheme for Pensioners
• United Festival Loan Scheme
• United Tour & Travel Credit Scheme
• United Car Loan Scheme
• United Consumer Loan Scheme
• United Education Loan Scheme
• United Shikshak Samman Yojana
• United Nari Samman Yojana
• United Trade Credit
• United Mortgage Loan Scheme
• United Cash Rental
Priority Sector
• Agricultural Loans
• Small Scale Industries
• Road Transport Operators
• Retail Trade
• Professional and Self Employed Persons
Third Party Products
United Bank of India also offers third party products to its customers. Following are the third
party products provided by UBI:
• Mutual Funds
• Life Insurance Products of Tata AIG Life Insurance Company
• Non-Life Products of Bajaj Allianz Insurance Company Ltd
• Credit Card issued by SBI Cards
• Inward Money Remittance by UAE Exchange & Financial Services Ltd.
Address
• United Bank of India
• 11, Hemanta Basu Sarani
• Kolkata – 700 001
• Tel: +91-33-22133172
• Web: www.unitedbankofindia.com
• United Bank Of India Loans
• United Bank Of India Jobs
• United Bank Of India Online Banking
• UCO Bank
About UCO Bank
UCO Bank, previously known as United Commercial Bank, is a leading commercial bank in India.
Founded in Kolkata in 1943, UCO Bank is one of the oldest Indian banks as well. It was the
eminent Indian industrialist Ghanshyam Das Birla who, during the Quit India Movement of 1942,
thought of establishing a commercial bank with Indian capital and management. United
Commercial Bank was the outcome of that idea. It, along with 13 others, was nationalized on July
19, 1969. In the year 1985, its name was changed to UCO Bank. Currently, UCO Bank has around
2000 Service Unites spread all across the nation. It also has two overseas branches in Hong Kong
and Singapore.
UCO Bank has its presence in all segments of the economy including Industry, Agriculture,
Infrastructure Sector, Service Sector and Trade & Commerce. It works towards becoming one of
the most trusted and admired financial institution as well as the most sought-after destination for
the customers and investors.
UCO Bank has a large number of Service Units (around 2000) located across the nation and
overseas. These also include specialized and computerized branches. It also has its
Correspondents / Agency arrangements all across the world. UCO Bank also carries out Foreign
Exchange Business in more than 50 centers across the nation with 4 Foreign Exchange Dealing
Operations centers.
Financial Results
Following table represents the Financial Results of UCO Bank for the year 2009:
(Rs in Lakhs)
Particulars Quarter Ended 30.09.09 Year Ended 31.03.09
Interest Earned 238423 812138
Other Income 22559 101990
Total Income 260982 914128
Total Expenditure 224221 793966
Net Profit 20772 55772
Offerings
UCO Bank offers a range of products and services to its customers, which include various deposit
schemes, loan schemes, services for the NRIs, international banking etc.
Deposit Schemes
Following deposit schemes are offered by UCO Bank:
• No-frills Savings Bank Account
• Money Back Recurring Deposits
• Friend-in-Need Scheme
• Two-way Deposit Scheme
• Lakshmi Yojana
• Kuber Yojana
• Flexible Fixed Deposit Scheme
• Special Deposit Scheme for Senior Citizens
• Current Account in Foreign Currency at Indian Branches
• Fixed Deposits in Foreign Currency at Overseas Branches
• Revised Minimum Balance Schedule
• UCO Tax Saver deposit Scheme - 2006
• UCO Premium Plus
Loan Schemes
Following loan schemes are offered:

• UCO Shelter
• UCO Car
• UCO Trader
• Education Loan
• UCO Cash
• UCO Rent
• UCO Mortgage
• UCO Securities
• UCO Real Estate
• UCO Nari Shakti
• UCO Shopper
• UCO Pensioner
• UCO Emd Loan
• UCO Swabhiman - Reverse Mortgage Loan Scheme for Senior Citizen
• Interest Subsidy Scheme for Housing the Urban Poor (ISHUP)
NRI Corner
UCO Bank offers a range of services for the NRIs. Following are the services that NRIs can choose
from:
• Deposit Schemes
• Foreign Currency Non Resident (FCNR-B) Deposits
• Resident Foreign Currency (RFC) Deposits
• Non Resident External (NRE) Deposits
• Non Resident Ordinary (NRO) Deposits
• Remittance to India
• Loans to NRIs
• Against Deposits
• NRI Home Loans
International Banking
Following international banking services are offered;

• Products & Services
o NRI Banking
o Foreign Currency Loans
o Finance/Services to Exporters
o Finance/Services to Importers
o Remittances
o Forex & Treasury Services
o Resident Foreign Currency (Domestic) Deposits
o Correspondent Banking Services
o General Banking Services
• Foreign Currency Loans
• Finance/Services to Exporters
• Finance/Services to Importer
• Remittances
• Forex & Treasury Services
o Forex Inter Bank Placements/Borrowings
o Sale & Purchase of currency on behalf of customers
o Forward Cover Bookings
o Cross Currency Swaps
o Interest Rate Swaps (IRS)
o Forward Rate Arrangements (FRAs)
o Forex Money Market Operations
• Resident Foreign Currency (Domestic) A/Cs
• Correspondent Banking Services
Address
• UCO Bank
International Wing , 10, B T M Sarani,
Kolkata - 700 001, India, Tel: +91-33-2234-1756
Web: www.ucobank.com
• Vijaya Bank
About Vijaya Bank
Vijaya Bank is one of the medium sized banks in India with substantial presence in most parts of
the country. It's Mr. A. B. Shetty along with few other enterprising farmers from Mangalore in the
state of Karnataka, who established Vijaya Bank on October 23, 1931. The goal was to promote
the habit of banking, savings and entrepreneurship among the farmers in Dakshina Kannada
district of the state. It became a scheduled bank of India in 1958. Vijaya Bank is also one of the
very few banks in India that has principal VISA International and MasterCard International
membership.
The Growth
Since its inception, Vijaya Bank went through a steady growth and became a large All India bank.
From 1963 to 1968, nine smaller banks merged with Vijaya Bank. Mr. M. Sunder Ram Shetty, the
then Chief Executive of Vijaya Bank, played an instrumental role in the amalgamation. On April
1980, Vijaya Bank became nationalized. Currently, this Indian bank has an extensive network of
1,124 branches, 43 Extension Counters and more than 375 ATMs across the nation. It also has a
dedicated workforce of 11,746 employees.
Offerings
Vijaya Bank offers a range of financial products and services to its customers. It also has services
for the NRIs. Following are the products and services offered by Vijaya Bank to its customers:
• Deposits
• Loans & Advances
• NRI Services
• Remittance / Collection
• Credit Cards
• Forex
• Other Services
Deposits
Vijaya
Bank offers following deposit facilities:
• Savings Bank
• V Payroll SB a/c
• V Genuth SB a/c
• V Balika SB a/c
• V Platinum Savings Bank
• Vijaya Saral
• Current Account
• VStar Savings
• Term Deposits
o VCash
o Vijayashree Units
o Fixed
o V Balika Deposit
o Jeevan Nidhi
o Capital Gains Accounts
o Vijaya Tax Savings Scheme
Loans & Advances
Vijaya Bank offers a wide array of loans and advances to its customers. Those can be listed as
below:
• Retail Lending Schemes
o Vijaya Home Loan
o V Niwas
o V Mortgage Loan
o V Wheels
o V Equip
o V Rent
o V Cash
o V Rakshak
o V Shikshak
o V Swashakti
o V Professional
o V Solar
o V IPO
o Trade Finance
o Education Loan
o Jewel Loans
o Vijaya Gold Cash Credit
o Loans to Transport Operators
o V Reverse Mortgage
• Loans Against
• Non Fund Based
• Advances to Agriculture, MSME and Others
• Government Sponsored Schemes
o Prime Minister's Rozgar Yojana
o Swarna Jayanti Gram Swarozgar Yojana
o Scheme for Liberation and Rehabilitation of Scavangers
o Golden Jubilee Rural Housing Scheme
o Differential Rate of Interest Scheme
• Special Schemes for Women
• Facilities to Minority Communities
NRI Services
Vijaya Bank offers following services for the NRIs:

• Deposits
o NRE
o FCNR
o Ordinary Non Resident A/c
o Resident Foreign Currency
o Deposit A/c (RFC)
• Loans
o Housing Loan
o Loans Against Shares, Securities
• Remittances
Remittance / Collection
Following services are offered by Vijaya Bank under this category:

• FOREX Remittances
• Inland Remittances
• Electronic Remittances Services
• Inward / Outward Collection Instruments
Cards
Vijaya Bank offers various types of cards to its customers. Following are those:
• Domestic Cards
o VISA Classic Credit Card
o MasterCard Classic Credit Card
o Vijaya Platinum Card
o VISA Gold Credit Card?
• Global Cards
o MasterCard Global Credit Card
o Visa Classic International Card
o VISA City Specific Card
o VISA Doctor's Card
o VISA Nurse's Card
• Debit Cards
o VISA Debit Card
Other Services
Vijaya Bank also offers a few more services to its customers which can be listed as below:
• Merchant Banking
• Vijaya Raksha
• Service Charges
• Pension Payments
• Mobile Banking
Address
Vijaya Bank
41/2, M. G. Road
Trinity Circle, Mahatma Gandhi Road
Bangalore - 560001
Tel: +91-80-25550693
Web: http://vijayabank.com
• Vijaya Bank Loans
• Vijaya Bank Jobs
• Online banking from Vijaya Bank
• YES BANK India
YES Bank India is a new age private sector bank in India. Founded by Rana Kapoor with a goal to
set up a high quality, customer centric, service driven private sector Indian bank that would cater
to the "Future Industries of India". It is also the only bank that has been awarded Greenfield
license by the Reserve Bank of India in the past 14 years. The bank offers a range of financial
products and services to its clients, which include Corporate and Institutional Banking,
Investment Banking, Business and Transaction Banking, Financial Markets, Corporate Finance,
Retail and Wealth Management etc.
YES Bank Limited follows international best practices, premier standards of service quality and
operational excellence and use highest technologies to provide comprehensive banking and
financial solutions. Its knowledge driven approach is one of its key strengths. The operations of
bank are based on 7 features, viz. Financial Trust, Human Capital, Knowledge Bank, Technology
Edge, Corporate Governance, Responsible Banking, and Growth. YES Bank India is also associated
with various global thought leadership forums including Triple Bottom Line Investing (TBLI), the
Clinton Global Initiative (CGI) and Tallberg Forum etc. It's also become a signatory with the
United Nations Environment Programme. YES Bank India is the first Indian bank to achieve the
feat.
For the For the

For the Half For the Half For the Year
Particulars(Rs. Quarter Quarter
Year Ended Year Ended Ended
in Lakhs) Ended Ended
30.09.09 30.09.08 31.03.09
30.09.09 30.09.08
Interest Earned 52,691 48,966 106,956 90,433 200,332
Other Income 15,158 8,027 29,678 15,179 43,502
Total Income 67,849 56,993 136,634 105,612 243,834
Total Expenditure 48,668 47,196 97,674 86,677 191,069
Net Profit 11,171 6,362 21,178 11,795 30,384

YES Bank India offers a range of products and services to its clients across the nation.
• Institutional Banking
• Corporate Finance
o Infrastructure Banking Unit (IBU)
o Structured & Project Unit (SP&F)
o Financial Restructuring Unit (FRU)
o Realty Banking Unit
o Project Advisory & Syndication Unit
• Branch Banking
o Saving Accounts
o Current Accounts
o No-frills Accounts
o Non-resident Accounts
o Fixed Deposits
o 5-Year Tax Efficient Fixed Deposits
o Smart Saver Accounts
o Smart Salary Accounts
• YES FIRST Wealth Management
o ZERO Balance GOLD Savings Account
o Relationship Pricing
o Complimentary YES FIRST International GOLD Debit Card
o Doorstep Banking
o YES TOUCH Phone Banking Services
o Net Banking
o Mobile Banking
o Money Monitor
o Private Equity Syndication
o Financial Advisory
o Equity Capital Markets
o Restructuring & Privatizations
o Brokage Services
• Financial Markets
o Foreign Exchange
o Online Forex Solutions
o Fixed Income
o Derivatives & Structured Products
o Commodity Risk Management Advisory
o Liquidity & Balance Sheet Management
• Transaction Banking
o Cash Management Services
o Capital Market Services
o Trade Services
o Trade Finance
o Address
YES BANK Limited
Nehru Centre, 9th floor,

Discovery of India, Dr. A.B. Road, Worli,
Mumbai – 400 018, India
Tel: +91-22-6669-9000
Fax: +91-22-2490-0314
E-mail: yestouch@yesbank.in
Web: www.yesbank.in
•

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