Professional Documents
Culture Documents
AND
RELATIONSHIP WITH
CUSTOMERS
CITIBANK
• Education
At HSBC "Education is key to every success".
Educational initiatives at HSBC provide
opportunities to underprivileged children to
explore their untapped potential and equip
them with necessary skills and qualifications.
• Life Skills
Life skills programmes supported by HSBC
provides tailor made training to
underprivileged youth. Youth are enabled to
gain access to opportunities for sustainable
livelihoods and financial literacy to help them
lead a productive life.
•
• Women’s Empowerment
• HSBC have devised financial literacy
programmes, which intervene in the lives of
rural poor women.
• They supports projects that provide
entrepreneurial trainings and information
access to make dignified economic
• Microfinance
HSBC started with a lending programme for
small MFIs
• These institutions provide small loans to groups
of poor people (mostly women) using well-
established micro credit delivery
methodologies.
• They have put in place a microfinance strategy,
with the objective of increasing our presence
in this segment and building around a lending
portfolio, a host of services which can
facilitate capacity building, improve
operational efficiency and bring the best
practices of a transactional banking business
to the microfinance domain.
•
• Environment
HSBC India supports nature, habitat
and biodiversity conservation, water
harvesting and climate change
initiatives.
• These projects are designed to ensure
that economic development does not
take place at the expense of the
environment and the awareness
component ensures that a large
number of varied audiences are
exposed to environmental messages.
STANDARD CHARTERED
• STANDARD CHARTERED WON RETAIL
BANKER INTERNATIONAL AWARD FOR
BEST RETAIL BANK
60Bss
months 16.3% 14.0% 60 months 15.2% 13.2%
36 months 14.5% 11.4% 36 months 13.6% 10.8%
12 months 12.8% 8.7% 12 months 12.0% 8.4%
Term
INTEREST
USD
RATE PAID IN
€/£
ADVANCE
DEUTSCHE BANK
Term
Rate
60 months 6%
36 months 5.5%
12 months 4.5%
HSBC BANK
Term
Rate
60 months 5.5%
36 months 5.75%
12 months 4.5%
36 months 7%
12 months 5.5%
BARCLAYS BANK
Term
Rate
60 months 7%
36 months 6.5%
12 months 5%
12 months 4.75%
BUYER POWER
1.Buyer Choice-(People’s trust)
Standard Chartered Bank
It is a London Based bank. Although the bank is
located in Britain ,still a huge chunk of its revenues
originate from the continents of Asia Africa and
middle East.
In India, the Standard Chartered Bank introduced its
first branch in Kolkata on 12th of April 1858.
Citibank
Citibank is one of the largest banks in the U.S
Citibank had been founded in the year 1812
Deutsche Bank
Deutsche Bank started its operations In India in 1994.
Presently, Deutsche Bank operates with staff strength
of more than 500 people
HSBC Bank Ltd
With a loan-deposit ratio of 90%, HSBC Bank is one of
the five British banks that claim to have more
deposits than loans.
Such a high loan-deposit ratio of the bank has been
able to retain the trust of its investors and customers,
keeping them assured of its financial strengths.
Change cost/Frequency
• Frequency is the number of occurrences of a
repeating event per unit time.
• The change of customer pertaining to banking is
very low.
• Individual or HNI does not often change their
bank account often.
•
CHANGE IN CUSTOMER
BANKS INTEREST RATES FOR LOANS
HSBC 13.75%
ABN-AMBO 11%
banks in india.
3) Incumbent resistance.
5) Distribution channel.
Entry Ease of foreign banks.
• After the liberalization and globalization process
that started in Year 1991, the banking industry
in India has seen many foreign banks coming to
India.
q Below are some of the banks currently operating
in India:
1. Citi Bank. 6. HSBC Bank.
2. Standard Chartered Bank 7. Barclays Bank.
3. ABN AMRO Bank. 8. Royal Bank of
Scotland.
4. BNP Paribas. 9.Bank Of Tokyo.
5. Bank of America.
•
Citi banks expansion.
• Citibank has increased its branch
network from 26 to 31 in June this
year, in it operation spread across
21 cities.
• If they are to have six to seven per
cent market share, they will need a
large distribution network of 125-
200 branches across 75 cities.
HSBC Banks Expansion.
• HSBC India is planning to expand the
scope of its factoring services in
tier-II cities across the country, with
a focus on small and medium
enterprises.
•
• It’s current focus is on mid-market
segment, which has potential for
big volumes,
Standard chartered bank
Product and
Technology
development
Product And Technology
Development
Technology
Citibank
vAccess channels: Online banking
services
• Online bill payment- to make online payments for all your
Utility Bills like mobile, landline, electricity,
etc.
• Statement on e-mail- A bit for the environment!
Sign up for the Statement on E-mail service and, receive
your Credit Card/Bank Account Statement
to your E-mail Id.
• Citialerts -helps keep track of Savings Account, Credit Card
transactions and Investments activities through regular
•
• SMS banking
Citi alert on demand- CitiAlert on Demand is an exclusive
service for Citibank Credit Cards and Banking customers. Just send
an sms 52484 from your registered mobile number and get your
Credit Card or banking account details instantaneously.
•
vAccess channels
Online banking services
•
Prepaid mobile recharge- Recharge your Prepaid Mobile
instantaneously and free of charge, against your Citibank Credit or
Debit Card. This exclusive facility is currently available on Aircel,
Airtel, BPL Mobile, BSNL, Idea, Reliance India Mobile, Tata Indicom,
Virgin Mobile and Vodafone Prepaid connections.
•
Online security measures
• Secured log in-All information passed on between Citibank and
your personal computer is "scrambled" and "reassembled"
using 128-bit encryption, the highest level of encryption
commercially available .
• Automatic time out- Once logged into Citibank Online, if there is
no activity for 5 minutes, your secured Citibank Online session
will be automatically terminated to help protect against
unauthorised access
• Automatic lock out- if the Internet Password (IPIN) has been
entered incorrectly six consecutive times, Citibank will lock any
further online access to the accounts
Mobile banking
• Citi mobile banking-Citi Mobile works on your mobile phone and
is a simple, secure and a fast way to transact 24x7 from the
comfort of your home, office or even from your car!
•
•
• Recharge your prepaid mobile card at any Deutsche Bank
ATM.
• • Funds Transfer to any Deutsche Bank account
• Cash / Cheque Deposit
• Statement Request
• Chequebook Request
•
•
•
• Global ATM Alliance for international travellers: Normally
when you use your card abroad, you have to pay an ATM
access fee and a machine level surcharge.
Our Global ATM Alliance with leading international banks
helps us offer free ATM transactions abroad.
•
•
Phone banking
• Fixed deposits
• Relationship banking
•
Mobile banking
Online banking
•
•
• Deutsche Bank India Launched Government
Securities Fund in 10/8/2008
• a fixed income fund that will invest in government
securities as it on expectation of softer interest rates.
DWS Gilt Fund, which would invest in an actively
managed portfolio of government securities, joins India's
31 gilt funds that managed about INR 20 billion at the
end of August.
• DBOI launched New Service Delivery Centre in Jaipur
in 09/11/2008
• This state-of-the-art facility, located within Mahindra World
City, houses operational and support teams for Deutsche
Bank for several of the Bank`s divisions, commencing
initially with Investments Banking and Asset
Management.
barclays
q
q Barclays' Reward Points Program (20th may 2009)
• ElectraCard Services recently launched the electra Loyalty
Management System for Barclays Bank .This new
solution allows Barclays customers to benefit from
various loyalty programs and win rewards across
various channels.
q Drop- down-feature
• Barclays Global Retail and Commercial Bank (GRCB) India
launched the ‘Drop Down Feature’ for its Business Loans
category. Through this feature, customers availing of
Business Loans, who are regular in their repayment of
their EMIs over a 12 month period will benefit from a
lowering of interest rates for the remaining tenor of the
loan.
q Yatra barclaypremium card
• YatraBarclaycard Platinum Cardholder are entitled to the
benefits offered by Visa. tie-ups with major
national and
international carriers give the freedom to take any flight
that
q Barclays Premier League Barclaycard
The only card for football fans.
Get all the excitement of the Barclays Premier League with
unique football card. You get all the advantages of regular
cards and also enjoy special football benefits in the form of
newsletter and get up-to-date news on:
• Current EPL table standings and match schedules
• An in-depth analysis on various games, players and
coaches.
• Transfer rumours, possible transfers and game strategies.
• Injury updates and player rotations.
• Insider gossips about various clubs, players and coaches.
Guidelines by rbi for foreign banks
• Roadmap for Presence of Foreign Banks in India
The roadmap is divided into two phases.
phase 1: march 2005 to march 2009
1. New banks- first time presence
Foreign banks could either choose to operate through
bank presence or set up 100% wholly owned subsidiary
(WOS), following the 1 mode presence criteria.
2. Existing banks- branch expansion policy
the no. of branches permitted each year is proposed to
go beyond the existing WTO commitment of 12 each year.
3. Conversion of existing branches to WOS.
The Reserve Bank may also prescribe market access and
national treatment limitation consistent with WTO as also
other appropriate
limitations to the operations of WOS, consistent with
international practices and the country’s
requirements.
Phase 2: April 2009
Mergers and acquisitions of any pvt. Sector bank in
india
After a review is made to the extent of foreign investment
and foreign banks in India, they may be permitted to enter
into merger and acquisitions with any pvt. Sector bank in
india subject to overall investment limit of 74%.
COMPETITIVE
RIVALRY
vNumber And Size Of
Firms
vIndustry Size And
Trends
vProduct / Service
Ranges
BANK NAME NO OF NO OF ATMS NO OF LOCATION
BRANCHES EMPLOYEES
Standard Chartered
Nariman point
Barclays 90 7825
11 Worli
ABN Amro 5 1782
Nariman Point
Deustche Bank 30 3241