2. MICHAEL PORTER 5 FORCES MODEL
THREAT OF NEW
ENTRANTS
POWER OF
SUPPLIERS
Attractive offers
POWERS OF BUYERS
merge with
Providing crop loans
3. MICHAEL PORTER 5 FORCES MODEL
AVAILABILITY OF
SUBSTITUTES
COMPETITIVE RIVALRY
Real time processing
of loan
Financial/Non-
financial lenders
4. PESTEL MODEL
Focus on
regulation of
government
Budget and Budget
measure
FDI limit
Agricultural credit
Political
Factors
Monetary policy
Increase in
GDP
Economic
Factors
Population
Change in lifestyle
Traditional mahajan
pratha
Social
Factors
Literacy rate
6. SWOT ANALYSIS
• Innovative financial products of
diverse categories
• Comprehensive Cash
Management System
• Trade and Forex Service
• Has over 40,000 employees
• Customer account base of
over 8 million
• Low publicity and marketing
as compared to other
premium banks in the urban
areas
• New entrance in banking
sector.
• Rate of interest (FD) is
comparatively low than other
private banks.
7. SWOT ANALYSIS
• Increase in Industry banking
• International banking & NRI
Banking
• By 2050 ‘E7’ could have
domestic banking assets and
profits that exceeding the G7
by around 50%
• Growing SME sector leading
to greater demand of credit
facilities
• Highly competitive
environment
• Economic slowdown
• Stringent Banking Norms
• Proportion of NPA. This also
may lead to Mergers &
acquisitions, which itself would
be loss of capital to entire
system
• Competition from new players.
8. Sources
Swot Analysis: 1) http://www.kotak.com/our-businesses.html
2) https://www.kotak.com/kotaknri/SME-CurrentAccount/cash_management_services.html
3) https://www.kotak.com/kotaknri/SME-CurrentAccount/trade_forex.html
4) As per annual report of KMB FY _2017
5) As per annual report of KMB FY _2017
6) http://www.kotak.com/interest-rates.html
7) https://www.ibef.org/industry/banking-presentation
8) http://www.kotak.com/nri-banking.html
9) http://www.pwc.in/press-releases/india-third-largest-domestic-banking-sector-by-2050.html
10) http://www.kotak.com/sme-banking.html
11) http://www.indiainfoline.com/article/news/competition-in-the-banking-sector-opportunities-and-challenges-
5927963811_1.html
12) http://www.thehindu.com/business/Economy/indias-economic-growth-may-slow-down-says-
imf/article18415334.ece
13) http://www.business-standard.com/article/finance/banks-seek-stringent-norms-for-defaulters-
114062400855_1.html
14)http://ir.kotak.com/downloads/pdf/merger_of_ing_vysya_bank_with_kotak_mahindra_bank.pdf
Pestel Model: IBEF, Current world environment vol. 10(3),1029-1038(2015)
Rbi.org.in
Heritage.org
http://pestleanalysis.com/pestle-analysis-for-banking-industry/
Porter Model:
https://sites.google.com/site/bankingindustryandtheinternet/home/5-forces