It is helpful in making business plan in your Business turks activity

1. PRESENTED BY
ANURAG TRIPATHI
SHUBHAM SINGH BAGHEL

2.  Type – Private
 Industry – Banking, Financial Service
 Founded – November 2001
 Location – vibhuti khand, gomti nagar, Lucknow.
 Products- Credit Cards, Consumer Banking, Corporate
Banking, Finance and Insurance, Mortgage Loans,
Private Banking, Wealth Management, Investment
Banking
 No. of employees-30

3. “Wisdom”
It signifies that :
 We take care of our people
 Knowledge and experiences
 Reasonable justice.
“A place where you can bank on”

4.  Registered under companies Act 1956
 FORM III - Licensed under section 22 of the
banking regulation Act, 1949 and governed by the
provisions of the banking regulation Act, 1949
 RBI Act 1934
 Payment and settlement systems Act, 2007
 Credit information companies (regulation) Act, 2005
 http://www.advocatekhoj.com/library/rules/bankin
gregulation/form3.php?Title=Banking%20%20%20
Regulation%20(Companies)%20Rules,%201949&S
Title=Form%20III

5.  Deposit insurance and credit guarantee
corporation Act, 1961
 Suitable operation as per section 42(6)(a) of the
RBI Act, 1934
 NBFC under section 45- IA of the RBI Act, 1934
 SEBI Act, 1996
 IRDA Act, 1999
 Company incorporated in partnership Act,1932

6.  As per RBI guidelines act,1934. to establish a private bank, minimum
capital INR 200 cr.
 So three promoters bring INR 25 cr each and chairman bring INR 50 cr.
Worth INR 75 cr would be the company’s value
 And INR 100 cr will be debt money.
(INR 50 CR Debenture and INR 50 CR Loan from RBI)
Infrastructure
Infrastructure is passed over & maintained from existing company (
NBFC)
Note - All promoters investment transfer from former company(NBFC) which changed into bank.

7. Net profit- INR -(1,139,8348)
Balance sheet size- INR 300 cr
Total deposits – INR 40,000,000
Total advances- INR 30,600,000
Capital adequacy ratio – 11.12%
Cash ratio – 61.20

8. 1. CASA (Current Account Saving Account)
2. Salary Account
3. Credit Card Facilities
4. Individual financing
5. Wealth Management
6. Project Financing
7. Working Capital Financing

9. Chairman
Deputy MD
(Treasurer)
Deputy MD
(Marketing)
Deputy MD
( Finance)
Deputy MD
(HR)
Managing
director

10. Treasurer
Treasury
analyst
Cash
manager
Loan
manager
Risk
manager
Marketing
(CMO)
Assistant
manager
Marketing
executive
Sales officer
Marketing
manager

11. Finance (CFO)
Financial
analyst
Personal
banker
CA
Asst. manager
HRD
HR EXECUTIVE
SKILLS TRAINING
ADMINISTRATOR
CAREER
DEVELOPMENT
COUNSELOR
HR MANAGER

12. Vision
To be a leading provider of financial services in India and
enhance our positioning among global banks through
sustainable value creation
Provide short term loan
with less paper work.
Provide loan on low
interest rate.
Maintain high
standards of
governance and ethics
Maintain customer
relationship.

13.  Measurably increase total online application
completions, accounts opened, and loan accounts
funded.
 Build consumer confidence by assisting with
complex product and service decisions.
 Up-sell and cross-sell loyal customers, increasing
lifetime value.
 Use best practices to target visitors with the
highest potential to produce valuable business.

14.  Reduce service costs and increase agent
productivity.
 Foster long-term customer satisfaction.
 Prevent cancellations and product downgrades.
 Optimize your website with real-time monitoring
and reporting that guides marketing strategies and
tactics.

17. Target Customer:
This segment is for the corporate banking :-
1. Salary Class ( Minimum INR1.5 Lakhs per
annum)
2. Small Scale Business ( Minimum Turnover INR
10 Lakhs per annum)
3. Advisory Customer for investment and wealth
management

18. This segment is for Retail Banking:-
1. Upper Middle Class Person.
2. Lower Middle Class Person.
3. Working Class.
Loans
 Personal Loan ( Maximum up to INR 5 Lakhs).
 House Loan ( Maximum up to INR 12 Lakhs).
 Education Loan ( Maximum up to INR 7 Lakhs).
 Loan for buying a equipment ( Maximum up to 10
Lakhs).

19. Wisdom Bank promote itself through various media
such as
1. Print Media
2. Hoardings
3. Radio
4. Movie Theatres

20.  Wisdom Financial Services has a pricing strategy
based on competition ,RBI guidelines and
customer demand.
 It follows the guidelines of Reserve Bank of India
because banking sector has highly competitive.
 Government policy heavily affects the pricing
policy of banking sector.

21. Wisdom Bank has as its physical evidence through –
◦ websites ,
◦ a business card ,
◦ paper work,
◦ cheque book,
◦ pass book,
◦ demand draft,
◦ ATM

22.  Corporate sector
 Schools & colleges
 Medium size investor

24. 1. First of all, we’ll conduct a job analysis by asking
former employees to complete a PIQ (Position
Information Questionnaire)
2. From this we find out ,according to them what are
the key behaviours that are required to perform
the task.
3. What organisation needs {KSA} for expected
performance
4. Identify the gap
5. Steps to be taken to fulfill the gap.

25. Kotak Mahindra Bank
Share price- INR 1135.35
Mkt cap (CR) – INR 2165559.39
Product – corporate banking, investment banking.
Market strategy- pricing, advertising & distribution strategies.
HDFC Bank
Share price- INR1966.80
Mkt cap (CR) – INR 534482.14
Product – credit cards , private banking.
Market strategies – segmentation , targeting, positioning etc.

26. ICICI Bank
Share price – INR 320.55
Mkt Cap (CR) – INR 205832.54
Market strategy – pricing and market share in
consumer banking.

27. Gold credit card
3X reward point against every INR 100 of retail spend
Eligibility – minimum salary INR 10000/- monthly
Maintenance charge – INR 600/- P.A
Maximum limit – INR 40000/- monthly
Platinum PVR card
Spend INR 10000 per month get 2 tickets of PVR
Eligibility – minimum salary INR 25000/- monthly
Maintenance charge – INR 550/- P.A
Maximum limit- INR 60000/- monthly

28. Indigo card
15% discount on indigo air ticket up to INR 10,000/-
Eligibility – salary INR 40,000/- monthly
Maintenance – INR 700/- P.A
Maximum limit – INR 2,50,000/- monthly
Business platinum card
Insurance – air accident cover up to INR 25 lakhs
Eligibility – salary INR 60,000/- monthly
Maintenance – INR 1000/- P.A
Maximum limit – INR 3,00,000/- monthly

29. Lifestyle card
20% of discount from INR 2,000 to INR 6,000
spend in any restaurant in India
Eligibility – salary INR 50,000/-
Maintenance charge – INR 700/-
Maximum limit- INR 2,00,000/-

30. 1. Demographic:
A. Location- Metros City, divisional Cities.
B. Occupation- Business Class, Salary Class.
2. Age:
i. Senior Citizen ( Above 60 Years)
ii. Major ( 18-60 years)
iii. Minor ( Less than 18 years)
3. Psychographic Variables:
People who believes in modern banking with higher set of
service in internet banking, on-line bill payment service,
on-line ticket booking service.

31. 1. If your business idea is unique and realistic then
we at Wisdom Bank give you freedom and flexibility
to design your own business of banking service.
2. Our free SMS alerts updates you on status of your
account balance, recent transactions.
3. Choose a number of your choice as your account
number.
4. We will at your service for 12 hours in a day from
morning 8 a.m. to evening 8 p.m.

32. 1. We have 50 crore surplus capital from our existing
business (NBFC) other than partner capital that is 200
crore. So, we brought 25 crore from the surplus amount for
maintaining capital of 200 crore.
2. We already had signed an agreement stating-
 If any director leaves the organisation he has to leave
his 25% stake with the bank itself.
 Moreover, he can not work in any similar organisation for
at least 3 years.
 According to agreement, before leaving the organisation
employee give advance notice before 6 months.

33.  We can invest more in securities out of our cash
and earn interest and dividend to compensate loss
from increasing SLR, CRR and bank rate.
OR
 We give more loan at a same rate of interest for
maintaining same level of financial position.
 SLR , CRR and bank rate will effect same to other
competitors as well, so interest rate will be change
for others.
 Deflation will increase.

34. Contribution
= sales – variable cost
= 90560402.4-3012500
= 87547902.4
BEP
= fixed cost / contribution
= 99946250/ 87547902.4 = 1.14
Approx.- 1.5 years.