WHAT IS BANK?
A banker or bank is a financial institution whose primary activity is to act as a
payment agent for customers and to borrow and lend money.y.
An institution where one can place and borrow money and take care of
financial affairs ;A branch office of such an institution.
The first modern bank was founded in Italy in Genoa in 1406, its name was (
bank of St. George)
Foreign banks are not new to the Indian banking sector. These banks have
played an advancement in banking sector of India by introducing services of
international standards in India.
First foreign bank to start its operation in India was Standard
Chartered bank in 1858. second bank was Citi bank which started in 1902.
There are the following points related to foreign banks:
• There are over 29 foreign banks that operate in India.
• Foreign banks are also known for uprooting the unemployment in India by
offering lot of job opportunities.
• These banks have brought along with them the latest technologies and
• Areas of concentration are risk management, customizing the product and
• New banks to be in India
Royal bank of Scotland
US based GE capital
Credit Suisse group
Industrial and commercial bank of China
Services of Foreign Banks in India
The Foreign Banks in India provide the following services under the
Debit cum ATM cards
Touch Screen Banking
Online Payment of Bills
Bank statements through Email
Loans which include home loans, business loans, personal loans,
Prepaid Mobile Recharge
Insurance services which include Health insurance, Life Insurance,
insurance on home loans and travel insurance
Investment Services which include Demat, Mutual Funds, and
List of Foreign Banks in India
Abu Dhabi Commercial Bank
Bank of Ceylon
BNP Paribas Bank
China Trust Commercial Bank
JPMorgan Chase Bank
Standard Chartered Bank
Foreign bank loans
Citi bank loans
Deutsche bank loans
HSBC bank loans
RBS bank loans
Foreign bank insurance
Citi bank insurance
Deutsche bank insurance
HSBC bank insurance
RBS bank insurance
Foreign bank top services
Citi bank life
Royal bank of
HSBC bank travel
American express Amex bank gold
Hong Kong & Shanghai Banking Corporation Bank
It is both the world's largest banking group and the world's 6th largest
company according to a composite measure by Forbes magazine.
Founded in Hong Kong (1865)
HSBC Holdings plc is a public limited company
HSBC India, along with HSBC Investment product and HSBC
Insurance, it offers international Gold Card and Classic Credit Cards
from VISA and MasterCard and debit cards from Visa.
HSBC in India gives 24 hour banking services, extensive network of
ATMs, integrated Call Centre and also HSBC e-banking.
Products & Services
Interest Rates, Service Charges and Fees
1 . Credit Cards
2 . Loans
3 . Bank Accounts
4 . NRI Services
5 . Insurance
6 . Investments & Financial Planning
7 . Internet and Self Service Banking
8 . Special Offers and Discounts
1 . Business Banking Services
2 . Global Trade Solutions
3 . Cash Management
4 . Foreign Exchange Services
5 . Business Current Accounts
6 . Business Loans and Overdrafts
7 . Self Service Banking
Corporate and Institutional Banking
1 . Corporate Banking
2 . Treasury and Capital Markets
3 . Equities and Global Investment Banking
4 . Institutional Banking
5 . Global Payments and Cash management
6 . Trade and Factoring Services
7 . HSBC Securities Services
Revenue ▼ US$ 137.309
Operating income ▼ US$
56.384 billion (2008)
Net income▼ US$ 6.498
Total assets ▲ US$ 2.527
Total equity ▼ US$ 93.591
HSBC Bank India Fact File
The HSBC Group develops and applies advanced technology to the
efficient and convenient delivery of banking and related financial services.
HSBC Bank India provides the following:
• Self-service banking with over 150 in-branch and off-branch ATMs and
• Trade and corporate banking services with real-time access to a
centralised information database
•Instantaneous inter-city transactions through online connections between
• A state-of-the-art treasury dealing system
• A sophisticated card system supporting debit and credit cards, domestic
and international VISA, MasterCard, and co-branded cards
•A dedicated acquiring system for both MasterCard and Visa transactions
•online@hsbc, HSBC internet banking service, provides customers with an
integrated and secure platform to access their accounts.
•Internet Payment Gateway handles credit card transactions on the internet
HSBC Current Account
Current account is one of the HSBC accounts, which is widely used by
the customers. Mostly this account is used by the business class because
of easy deposits and withdrawals.
This HSBC account suits the requirement of businessmen. There is an
overdraft facility for the account holders that he/ she can withdraw an excess
amount of money his or her account. Interest will be at the rate of 2% on the
amount withdraw in excess.
HSBC Saving Account
HSBC saving account is another type of HSBC account. This is a popular
mean to earn some interest for the low salaried people or the person who want
some savings. Interest may be earned in compounded periods like quarterly or
semi annually or even bimonthly. The minimum limit of deposit is Rs. 25000.
there are also some discount offers for the amount holders on acquiring any
kind of loan.
HSBC Fixed Deposit Account
Fixed deposit account is such type of HSBC accounts. Which is preferred by
the people to get high return of their deposits. The minimum deposit for this
account is Rs 10000. HSBC offers 7.55% p.a the rate of interest on this
HSBC Smart money Account
HSBC smart money account is another type of HSBC account. This is
combination of saving and fixed account. Account holders enjoys the facilities
of saving accounts and get high return of fixed deposits. Accountholders
have facilities to make an overdraft payment up to 90% of his or her deposit.
1812 -founded as City Bank of New York
1894 -became the largest bank in the United States.
1902 -began expanding internationally and became thefirst
major U.S. bank to establish a foreign department.
1930 -became the largest bank in the world with 100
branches in 23 countries outside the United States.
1976 -changed its name to Citibank.
1981 -purchased Diners Club.
1994 -opening of the first fully foreign owned commercial bank in Russia
1995 -opening of the first full service branch in China
1998 – Citi bank was merged in to Citigroup
•Citibank is the consumer and corporate banking division of leading financial
services company Citigroup.
•The company has operations in around 1,700 locations, in more than 140
•Established 109 years ago in Kolkata, Citibank has a long history in India.
• Currently it is the largest foreign direct investor in financial services in India
with a total capital commitment of approximately US$ 4 Billion in its onshore
banking and financial services business and its principal and
alternate investment programs.
•It operates 42 full-service Citibank branches in 30 cities and over
700 ATMs across the country.
•Citibank is an employer of choice to about 7,500 people.
Citibank India is since 1902. Citibank India was the first bank to lend actively to
individuals. Citibank is the largest Consumer Finance lender in the world.
Citibank India follows the following principles while dealing to its customers:
•Truth in Lending
•Superior Products and Services
•Quick and Transparent Credit Decisions
•Lending is not a transaction, but a relationship
•Custodian of Public Funds
Products and Services
Citibank offers the following products and services:
± Banking services
± Credit cards
± Mortgages, Loans
± Small business services
± Corporate/Institutional services
± Government services
± Private banking
Citibank online banking
With citibank online banking one can enjoy the following services from
anywhere in the world. For citibank online banking one has to log on to
www.citibank.co.in Redeem your rewards points
•Pay Bills Online
• Send Demand Draft anywhere in India
• Get statements by e-mail
• Register for Instant alerts
• Mobile Banking
• Citibank online Security Tips
With the Citibank Suvidha Account, one can get the following benefits:
• Shop n' win Rewards
•Secure your child's future
•Instant cash upto thrice your salary
•Get rewarded for your account
•Citibank Suvidha Account Holders holds over 150,000 highly tech-savvy
Account Holders from Bangalore, Mumbai and Delhi alone.
Citibank cards are available in a range of flexible and personalized credit and
charge that can be managed online. Under mentioned are few types of Citibank
Credit Cards in India.
• MTV Citibank Card
•Indian Oil Citibank Card
•Citibank Silver International Card
•Citibank Cricket Visa Card
The Citibank Direct Current Account pays 4.59% AER (4.50% gross). The
Citibank Direct is one of the best rates on the market, with no strings
attached. No minimum deposit is required for Citibank Direct and no need to
pay in ones salary. A minimum annual income of £15,000 is required to open
Citibank Direct Account. A cheque book and automatic overdraft facility are
not available in Citibank Direct. Moreover Citibank Direct Account is easy to
Citibank NRI holds over 160,000 Citibank NRI Account. Citibank NRI Account
Holders, holds a minimum balance of Rs. 10 lakhs. Citibank NRI is voted as
the most preferred bank of the NRIs.
Standard Chartered bank
Standard Chartered Wholesale Banking build son over 150 years of banking
experience in Asia, Africa and the Middle East. In fact, we are the only
international bank with over 90 percent profits generated from these areas.
The Standard Chartered Group: background
The Standard Chartered Group was formed in1969 through a merger of two
banks: The Standard Bank of British South Africa founded in 1863
, and the Chartered Bank of India , Australia and China, founded in 1853
Standard chartered bank in India
Standard Chartered Bank in India is the largest international banking Group in
India. The Combined Balance Sheet (as at March 31, 2001) of SCB India is Rs.
24515.9 cr. and is having a combined customer base of 2.4 million in retail
banking and over 1200 corporate customers.
The first branch of Standard Chartered was opened in Calcutta
(Kolkatta) in the year 1858. the while commercial capital of India. The opening of
Suez Cannel in 1869 for trade facilitated opening of 2nd branch at Mumbai and
was made as the head office for Indian operations.
The bank today operates over 83 locations. Its customer base has grown
steadily and today it enjoys a customer base over 2.4 million including corporate
as well as retail customers.
Products and services
b) Super Value
d) No Frills Savings Account
f) Connect N Save Account
g) 2-in-1 Account
h) Depository Services
I) Corporate Salary Account
a) Business Plus
b) Enhance Business Plus
Super Value Titanium Credit Card
Emirates Platinum Card
Platinum Rewards Card
Manhattan Platinum Card
Standard Chartered India was the first to issue first global credit card in India,
the first to issue Photo card, the first Picture Card and was the first credit
card issuer to be awarded the ISO 9002 certification.
Some other product innovations of Standard Chartered Bank in India include
the 'Sapnay' credit card, the international debit card that provides free access
to over 1500 Visa ATM's, a first in the banking industry, Mileage, an overdraft
facility against the security of a car and Smart Credit, a personal line of credit
for salaried customers.
Standard Chartered Credit Cards
Standard Chartered Credit Card can get you going with the privileges within
the country. With Standard Chartered Bank Credit Card one is also rewarded
with exciting benefits and unique features.
Standard Chartered Credit Cards are of many varieties. Atleast one type of
SCB Credit Card out of the entire range can fit to the need of a single person
The varieties of Standard Chartered Credit Cards are as follows:
Standard Chartered Bank Classic
Standard Chartered Bank Classic
Standard Chartered Bank Cricket
Standard Chartered Bank Diva
Standard Chartered Bank Executive
Standard Chartered Bank Executive
Standard Chartered Bank Gold
Standard Chartered Bank Gold
Standard Chartered Bank Sapnay
Standard Chartered Grindlays Classic
Standard Chartered Grindlays Gold
Standard Chartered Grindlays Star TV
. Add-on Card is given free with Standard Chartered Bank Credit Card. SCB
Credit Card come with the following insurances
Air accident Cover
General Accident Cover
Add-On Card Cover
No Cover Baggage Cover
Credit Shield on death
No Charge Purchase Protection Cover
Standard Chartered Bank Quick Facts
Combined Balance Sheet : Rs. 24515.9 cr as on March 31, 2001
Customer base : 2.4 million
Corporate customers : Over 1200
The First : In issuing global credit card in India, in issuing photocard and
picture card in India.
Visa ATMs : 1500
ABN- AMRO Bank
ABN – AMRO Bank is among the top 10 foreign banks in India around the
world with an asset of over US$ 504 billion.
ABN- AMRO global network consists of more than 3500 branches in
320 cities spanning 76 countries.
More than 3,400 branches in 70+ countries, the 1991 merger Algemene
Bank Nederland and Amsterdam Rotterdam Bank had a long-standing
presence in India since 1920 in Kolkata known traditionally as a strong
"diamond financing bank".
ABN AMRO Bank India started functioning in 1991 in Delhi and till date it has
branches in Chennai, Pune, Baroda, Hyderabad, Bangalore and Noida
servicing multiproduct relationship with customers. It formed AA Securities [I]
Pvt. Ltd. in September 1998.
The services of Abn Amro Bank is organised globally in three business
•Consumer & Commercial Clients
•Private Clients & Asset Management
ABN AMRO Bank in India enjoys a strong image as a corporate bank with
comprehensive Global Transaction Services. The investment banking
services of the bank is delivered through ABN AMRO (India) Corporate
Finance and the Global Financial Market Teams which strive to maintain the
permanent position in the marketplace.
It has also launched its microfinance program. The program is aimed at
delivering credit to the poor women of India, especially in the rural areas,
through Microfinance Institutions (MFIs).
The Achievements of ABN AMRO Bank
• "Best at Cash Management Award in September 2001" - The Banker
•Corporate Finance India : Ranked Second in M&A in the Investment Banking
arena in 2001 - Economic Times.
•ABN AMRO Securities India : Best Foreign Bond House; No 1 Arranger in Private
Sector: Euro money 2000.
•Top Bank on "Management Quality" parameter: Business India 'Best Banks
•7th Most Admired Commercial Bank in the World: Fortune Magazine, 2000.
•Top Foreign Bank in India: Economic Times - CMIE survey 1999.
•Second overall in Banking Industry: Financial Express - BRIS survey 1999.
ABN AMRO Private Equity (AAPE)
ABN AMRO Private Equity (AAPE) is one of the leading venture capital firms in
the Midwest. Abn Amro Private Equity is headquartered in Chicago with over
$300 million of capital under management. ABN AMRO Private Equity invests
up to $10 million in privately-held companies. It focuses its investments in four
broad industries i.e., business services, communications, information
technology and healthcare services. Specific target markets within these broad
industry segments include B2B electronic commerce, traditional and ebusiness services, communications services and infrastructure, Internet
applications, and traditional and e-health companies.
ABN AMRO Credit Cards
Abn Amro India provides two types of credit cards to its customers. One is Abn
Amro Freedom Credit Card and the other is Abn Amro Smart Gold Card. The
credit card consists of package of offers and discounts along with insurances.
Deutsche Bank in India
Deutsche Bank established its first branch in India in 1980. Currently, it has
over 7,800 employees in the country, operating branches in 15 cities.
Building on its dominant global markets and leading transaction banking
franchises, and with over 500,000 individual customers, Deutsche Bank is a
fully integrated financial services provider to Indian corporate, institutional
and individual clients.
Deutsche Bank was established in the year 1870 in Berlin, Germany. It was
founded to transact banking business of all kinds. It had in view to facilitate
trade relations between Germany and all other European countries, and
The Bank is one of the leading worldwide financial service providers with its
presence in 74 countries. Its approximate assets is EURO 840 billion.
A db Fixed Deposit will earn a higher rate of interest than a savings
account and that too with total security of your funds.
A range of ways to earn more interest
Deutsche Bank offers a range of fixed deposits to cater to different needs.
db Recurring Deposit
So no matter what your requirements may be, you will always find a
Deutsche Bank Fixed Deposit that meets them.
db Fixed Deposit
So flexible, you can decide your own terms
With a db Fixed Deposit, you have the freedom to choose the amount and
the tenure that suits you the best.
•The minimum amount you can invest is Rs 20,000
•The maximum tenure of your fixed deposit is 5 years
db Recurring Deposit
Earn higher interest, month after month
A db Recurring Deposit is a simple way to save money every month and
earn higher interest than you get with a savings account. If you maintain a
savings account with us, a specified amount can be automatically
transferred from it every month to your db Recurring Deposit. At the end of
the tenure, you will have saved a considerable sum of money.
•The minimum tenure is 12 months
•The maximum tenure is 60 months
•The minimum amount is Rs 5,000
•The maximum amount is unlimited
Deutsche Bank Products and Services
Corporate and Investment Banking
The Bank offers to corporate and institutional clients a the following products
Asset Finance & Leasing
Global Cash Management
Global Trade Finance
Trust & Securities Services
Private clients and asset management
The Bank provides the following financial solutions to private and business
Private & Business Clients
Private Wealth Management
DB Real Estate
Deutsche Asset Management
About the Royal Bank of Scotland Group
In 300 years, The Royal Bank of Scotland Group has grown to become
one of the largest financial services groups in the world. Our brands
operate around the globe to provide banking services for individuals,
businesses and institutions. Proud of our history, we remain committed to
innovation and service.
In 2007, the Group strengthened its presence across the globe through
the purchase of several parts of the Dutch bank, ABN AMRO, including
their businesses in India.
RBFSI is the social activities wing of the bank in India.
RBS India offers an unparalleled suite of client services in India. Using our
global reach and drawing on the expertise of our team of research, sales
and trading, equity capital market and mergers & acquisitions (M&A)
advisory professionals, we have led many of the biggest and most
innovative landmark transactions in India for our Corporate and
Products and services
They offer a broad range of transaction banking, fixed income and
foreign exchange products and services, including sales and trading,
fixed income origination, derivatives, structured lending and commodity
Additionally, they provide a diverse range of product offerings including
personal loans, credit cards, savings accounts, financial planning,
investment and insurance services, to meet the everyday financial
needs of over a million Personal Banking clients in India.
Microfinance program, the largest amongst its peer foreign banks in
India, is aimed at delivering credit to our target community of
impoverished rural woman through intermediaries called microfinance
Abu Dhabi Commercial Bank
Abu Dhabi Commercial Bank started its business in India in 1980 looking
to the fact that India is a major trading partner in U.A.E. import trade.
The trade relationship between the two nations has flourished with the
advent of technology, advanced communication, sophisticated
transportation and of course, efficient financial services.
Services Offered by Abu Dhabi Commercial Bank in India
Account opening: Individuals, Corporates and Brokers can avail this facility
of opening an account.
Dematerialisation: ADCB converts physical securities into an equal number
of securities in electronic form. After processing, on request by customers,
the certificate along with the DRF is sent to the company who will arrange
to credit to the customers DP account.
Transfer of securities: Once the depository account is opened, the transfer
of securities in the electronic form is effected to and from stock exchanges
linked to NSDL. The Bank assists the customers for receiving/delivering
securities to complete transactions concluded outside the stock exchanges
(off market trades).
Keeping track of the securities: The Bank provides monthly statement of DP
account reflecting details and quantity of shares owned by the customers.
Pledge: An investor can pledge his securities as collateral for availing
financial assistance for personal needs.
Freeze/Defreeze of accounts: The Bank assists its customers for freezing
their account, if they choose so, for a particular time period and no
transaction will take place in the DP account. Similarly, customers can also
defreeze the account to facilitate transactions when in need.
Rematerialisation: ADCB also assists the customers to reconvert back the
securities into physical form against specific requests.
Abu Dhabi Commercial Bank NRI Services
Since NRI can invest in shares and securities on repatriable and / or nonrepatriable basis depending on the origin of funds (funds emanating from
NRE or NRO accounts) for investment, the following requisites of the RBI
permission is applied:
Cash Against Shares (C.A.S.H)
C.A.S.H is an overdraft facility by ADCB against financial securities. It
enhances the liquidity of customers, giving the freedom to utilize the money
for their business / personal needs.
Advantages of C.A.S.H.
Prime Interest rates
No Annual Fee
Highest loan limit (Maximum Rs.20,00,000/- for individual)
Convenience (Instant access to credit line, by simply writing a cheque
Savings (Pay interest only on the amount you withdraw)
Flexible Payments (Convenient repayment option)
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