RBL Bank is one of India's fastest growing private sector banks with operations across 20 states. It has over 4.9 million customers served through a network of 342 branches and 199 banking outlets. The bank focuses on corporate and institutional banking, commercial banking, transaction banking, branch and business banking, and retail assets as its key operating verticals.
Through a partnership-driven strategy, investments in technology and financial inclusion initiatives, RBL Bank is achieving scale and growth. It has formed partnerships across multiple segments to boost customer acquisition and lower costs. The bank also aims to expand access to banking in rural areas and among lower-income households through initiatives like increasing its stake in Swadhaar Finserve.
Strong risk
RBL Bank is one of the fast growing private banks in India. A detailed general environment analysis(PESTEL), Industry analysis(Porter's 5 forces), VRIO analysis carried to look at the strategy analysis and formulated strategy for different business verticals, as part of the Project in MBA
HDFC Bank was established in 1994 as one of the first private sector banks in India. It is committed to maintaining high ethical standards and focuses on operational excellence, customer focus, product leadership, and people. The bank provides a wide range of financial products and services. It has over 1,400 branches across India and aims to be a world-class Indian bank through high quality customer service and risk management practices. The bank has received several awards recognizing its leadership in areas such as retail banking, trade finance, and IT governance.
The document analyzes the Indian banking industry through a macroeconomic, demographic, technological, and regulatory lens. It examines key industry metrics like number of accounts, deposits, loans, NPAs, and profitability over time. Porter's five forces analysis indicates moderate threat of new entrants and substitutes but high competitive rivalry. A strategic group map shows HDFC Bank competes most directly with ICICI Bank and Kotak Mahindra Bank, with SBI having a different strategic focus on rural segments. Financial analysis compares the four banks on various parameters over several years.
ICICI Bank was established in 1994 as a banking subsidiary of ICICI and has since grown to become one of the largest banks in India with over 5,000 branches; it offers a wide range of banking and financial services both in India and internationally through various subsidiaries. ICICI Bank uses different performance appraisal models including management by objectives and 360 degree feedback to evaluate employee performance on an ongoing basis and guide their development.
The document outlines the rules and structure for a banking sector quiz organized by Vijay Mohan Gahlot of MERI. It provides instructions that participants should raise their hands to answer, they will be given one minute to answer, and must get the question fully correct in one attempt. It also advises cooperation and no disturbances. The quiz will have 4 rounds covering logos/taglines, mutual funds, banking questions, and e-banking. Each round lists multiple choice questions within the given topic.
This document contains information about Muthoot Finance Ltd and its gold loan business. It provides details about the company's products and services including gold loans, money transfer, foreign exchange, MPower card, and travel services. It discusses the geographical distribution of Muthoot Finance branches in India and reasons for its success in southern regions. The document also includes financial details of the company, a SWOT analysis, interest rate structures for gold loans and bonds, and answers to frequently asked questions about gold loans.
Segmentation Targeting and Positioning on HDFC bankVai Jasani
The document discusses home loans and HDFC Bank. It provides information on:
1. Choosing a good housing finance company is important as a home loan is a long term commitment of 15-20 years. Factors like expertise, service quality, domain knowledge and transparency are critical.
2. Home loans make sense for long-term savings as they allow common people to own a home while saving money over time. With rising real estate prices, many opt for housing loans to buy their dream home.
3. Even if one can pay cash, loans are beneficial as they provide good returns while interest rates are lower than investment returns. Tax benefits also make loans preferable to full payment.
hi friends....
this the slid show for motilal oswal financial services ltd. regarding presentation and introduction about the financial investment pattern.... that what customer want and needs, and what a investor can provide them.
RBL Bank is one of the fast growing private banks in India. A detailed general environment analysis(PESTEL), Industry analysis(Porter's 5 forces), VRIO analysis carried to look at the strategy analysis and formulated strategy for different business verticals, as part of the Project in MBA
HDFC Bank was established in 1994 as one of the first private sector banks in India. It is committed to maintaining high ethical standards and focuses on operational excellence, customer focus, product leadership, and people. The bank provides a wide range of financial products and services. It has over 1,400 branches across India and aims to be a world-class Indian bank through high quality customer service and risk management practices. The bank has received several awards recognizing its leadership in areas such as retail banking, trade finance, and IT governance.
The document analyzes the Indian banking industry through a macroeconomic, demographic, technological, and regulatory lens. It examines key industry metrics like number of accounts, deposits, loans, NPAs, and profitability over time. Porter's five forces analysis indicates moderate threat of new entrants and substitutes but high competitive rivalry. A strategic group map shows HDFC Bank competes most directly with ICICI Bank and Kotak Mahindra Bank, with SBI having a different strategic focus on rural segments. Financial analysis compares the four banks on various parameters over several years.
ICICI Bank was established in 1994 as a banking subsidiary of ICICI and has since grown to become one of the largest banks in India with over 5,000 branches; it offers a wide range of banking and financial services both in India and internationally through various subsidiaries. ICICI Bank uses different performance appraisal models including management by objectives and 360 degree feedback to evaluate employee performance on an ongoing basis and guide their development.
The document outlines the rules and structure for a banking sector quiz organized by Vijay Mohan Gahlot of MERI. It provides instructions that participants should raise their hands to answer, they will be given one minute to answer, and must get the question fully correct in one attempt. It also advises cooperation and no disturbances. The quiz will have 4 rounds covering logos/taglines, mutual funds, banking questions, and e-banking. Each round lists multiple choice questions within the given topic.
This document contains information about Muthoot Finance Ltd and its gold loan business. It provides details about the company's products and services including gold loans, money transfer, foreign exchange, MPower card, and travel services. It discusses the geographical distribution of Muthoot Finance branches in India and reasons for its success in southern regions. The document also includes financial details of the company, a SWOT analysis, interest rate structures for gold loans and bonds, and answers to frequently asked questions about gold loans.
Segmentation Targeting and Positioning on HDFC bankVai Jasani
The document discusses home loans and HDFC Bank. It provides information on:
1. Choosing a good housing finance company is important as a home loan is a long term commitment of 15-20 years. Factors like expertise, service quality, domain knowledge and transparency are critical.
2. Home loans make sense for long-term savings as they allow common people to own a home while saving money over time. With rising real estate prices, many opt for housing loans to buy their dream home.
3. Even if one can pay cash, loans are beneficial as they provide good returns while interest rates are lower than investment returns. Tax benefits also make loans preferable to full payment.
hi friends....
this the slid show for motilal oswal financial services ltd. regarding presentation and introduction about the financial investment pattern.... that what customer want and needs, and what a investor can provide them.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
ICICI Bank was founded in 1955 and has since grown to become the second largest bank in India. It offers a wide range of banking and financial services through its subsidiaries, which include ICICI Prudential Life Insurance (largest private insurer), ICICI Lombard General Insurance, ICICI Securities, and ICICI Prudential Asset Management (third largest mutual fund). Over the past 5 years, ICICI Bank has significantly grown its revenues and profits. It aims to strengthen its position in India and globally through strategic initiatives focused on retail banking, cost reductions, and maintaining its brand as the number one banking brand in India.
leadership Qualities of narayan murthySunny Gandhi
N.R. Narayana Murthy is an Indian businessman who co-founded Infosys, a global IT consulting and services company based in India. He served as CEO for 21 years, growing the company from a small start up to a multinational corporation. With a net worth over $1.6 billion, Murthy demonstrated that business can be conducted ethically and profitably in India. He focused on transparency, employee welfare, and talent development to build a successful and respected organization.
HDFC Bank was established in 1994 as a private sector bank. It has grown to become one of the largest banks in India with over 2,000 branches and 5,000 ATMs across the country. The bank offers a wide range of products and services including credit cards, personal loans, home loans, mutual funds, and trade services. It has pursued an aggressive expansion strategy and targets both retail and corporate customers. The bank has received several awards recognizing its strong financial performance and use of technology.
1) The banking industry in India has become highly competitive which has increased the need for banks to focus on customer retention through high quality services.
2) It is important for banks like ICICI Bank to understand customer satisfaction levels and the key drivers of satisfaction to improve services, gain a competitive advantage, and increase customer retention.
3) Analyzing ICICI Bank's financial performance and service quality allows them to identify areas for improvement and better meet customer needs and expectations.
This document provides information about HDFC Bank, including its history, products and services, vision, mission, business strategy, segmentation and targeting approaches, capital structure, SWOT analysis, and key milestones. Some of the main points summarized are:
HDFC Bank was established in 1994 and has grown to become one of the largest private sector banks in India with over 1,700 branches. It offers a range of banking products and services including loans, deposits, investment funds, insurance, and remittances. The bank aims to be customer-driven and market leading through technology-enabled services and growth while maintaining high asset quality. However, it faces threats from competitors and was penalized for violations uncovered in an inquiry called Operation
Sri Ammembai Subba Rao Pai established the Canara Hindu Parliament Fund in 1906, which later became Canara Bank Ltd in 1910. Canara Bank was nationalized in 1969 and has since grown to over 1000 branches. It became the first Indian bank to receive ISO certification for its branch operations. Canara Bank has a vision to pursue best practices and a mission to provide quality banking services while being socially responsible. Currently, it has over 56,000 employees operating internationally. Canara Bank focuses on innovation, technology, and social/rural banking while facing challenges from competition and economic/policy changes.
This document provides an analysis of service quality at State Bank of India (SBI).
It begins with an overview of SBI's history, operations, products/services. Chapter 2 discusses the objectives and importance of analyzing service quality gaps.
Chapter 3 examines SBI's internal/external marketing initiatives and strategies. It finds issues with change management and a need to improve customer care.
Chapter 4 analyzes service quality gaps between expected and perceived levels. The largest gaps were in attention to individual customers and personal service.
Key findings show satisfaction levels were higher for reliability, responsiveness and assurance, but lower for tangible factors and empathy.
Recommendations include improving understanding of customer needs, credibility, willingness
This corporate presentation discusses the financial performance and strategy of IndusInd Bank. Some key points:
- For the fiscal year ending March 2017, IndusInd Bank reported strong growth in loans (27%), deposits (28%), revenue (29%) and profits (27%). Asset quality remains stable with low NPAs of 0.39%.
- The bank has a diversified loan book split between corporate/commercial banking (60%) and consumer finance (40%). It is focused on growing its liability and fee franchises.
- Going forward, IndusInd Bank aims to double its customer base to over 20 million through initiatives like expanding its branch network, increasing digital capabilities, and financing more livelihood sectors.
This document summarizes an internship report submitted to Axis Bank. It provides background on Axis Bank, including its vision, capital structure, business segments, and SWOT analysis. The internship project involved a comparative analysis of Axis Bank's products and services against its competitors. A survey was conducted with 100 Axis Bank customers. Findings showed customers were generally satisfied but Axis could improve areas like technology updates and number of ATMs. Recommendations included promoting internet banking more, increasing ATM network flexibility, and targeting more customer groups. The conclusion was that Axis has a good customer relationship but needs to improve services and adoption of technology versus competitors.
Bank of Baroda- Summer Internship ReportAnkit Kumar
This document is a summer internship report submitted by Ankit Kumar to Bank of Baroda. The internship focused on enhancing the user interface and experience of the Bank's website. Ankit conducted research through surveys and analysis of industry best practices. Key findings indicated customers liked the website design but had concerns about colors, navigation, and outdated content. Recommendations included using predictive suggestions to engage customers, improving design elements, and incorporating new technologies like AI assistants. The report provides an overview of the Bank, its products and performance, and outlines Ankit's research methodology and findings to enhance the website.
ICICI Bank is India's second largest bank. It was founded in 1955 as the Industrial Credit and Investment Corporation of India to support the industrialization of India. ICICI Bank launched in 1994 and became the first Indian bank to list on the New York Stock Exchange in 2000. ICICI Bank provides a wide range of banking and financial services including retail banking, credit cards, investment banking, insurance, and private banking. It has over 800 branches across India and has expanded internationally with subsidiaries in countries like Canada, Russia, Singapore, and the United Kingdom.
Aditya Puri, the CMD of HDFC Bank, is concerned about the bank's performance as targets have been questioned due to market volatility. He reflects on HDFC Bank's growth over the years under his leadership to become one of the top banks in India. The document then provides context about economic reforms in India since 1991 that created challenges for industry. It summarizes reforms in the financial sector, privatization, and social sector development.
HDFC Bank was one of the first private sector banks established in India in 1994. It has grown to become one of the largest banks in India with over 1,400 branches and 3,295 ATMs across 528 cities. HDFC Bank offers a wide range of banking products and services to both retail and corporate customers through its wholesale and retail banking divisions. It has achieved numerous awards and recognition for its financial performance, innovation, and customer service.
This document provides an analysis of opportunity for promotional strategies for State Bank of India. It begins with an overview of SBI as the largest nationalized commercial bank in India. It then defines various banking services including investment banking, retail banking, commercial banking, private banking, and asset management. It identifies SBI's target markets as current and potential customers in rural areas and tier 2/3 cities. The document outlines SBI's communication objectives of increasing awareness, attention, and purchase actions. It notes factors that affect the communication budget such as company strategy, product life cycle stage, and competitive intensity. Finally, it recommends creating communications strategies that match SBI's strategy and focus on opportunities/threats while fitting the company image, and
Punjab National Bank was defrauded of $1.77 billion in a scam perpetrated by Nirav Modi, a diamond trader, and his associates. Modi fraudulently obtained letters of undertaking from PNB to secure loans from other banks without providing collateral. The fraud was detected in January 2018 when PNB officials noticed fraudulent transactions were not recorded properly. The scam has significantly impacted PNB and other public sector banks through loss of funds and declining share prices. Investigations into the fraud are ongoing along with efforts to recover funds from Modi's seized assets.
State Bank of India Vision and Mission (Ravi Kulkarni)Ravi9964592092
The State Bank of India aims to be the most trusted and preferred global financial services provider. Its vision is to offer high quality customer service worldwide. The bank strives to speak to young Indians, go above and beyond for customers, and use technology to drive excellence. It aims to offer a wide range of competitive banking products while ensuring customer satisfaction and efficient operations. The bank's values include honesty, respect, knowledge sharing, and community contribution.
This document appears to be a presentation on ICICI Bank submitted for a strategic management project. It includes an agenda covering topics like revenue, growth, market capitalization, business model, industry analysis, financial analysis, products and services by segment, competition, strategies, and more. Charts are included analyzing ICICI Bank's revenue, market capitalization, and various profitability ratios from 2008-2011.
The document is an internship report submitted by Mayank Mulchandani to Medi-Caps University for their MBA program. It details their 8 week internship at State Bank of India in the Credit Division. It includes sections on the company profile of SBI, describing it as a major public sector bank in India. It provides information on SBI's history dating back to 1806, its current position and services offered which include personal, rural, SME and corporate banking. The report was prepared under the supervision of Mr. Prakash Kumar Shukla, Branch Head of SBI's MG Road branch.
This document discusses two companies - Mahindra Finance and SNL Financial. It provides details about their histories, structures, products/services, and how they are influenced by different external factors. Both companies have expanded significantly since their founding, with Mahindra Finance establishing over 400 offices across India and SNL Financial expanding globally with over 1,200 employees in 10 offices worldwide. While they face some similar external influences like industry and technology, their structures and cultures differ - with Mahindra Finance taking a more divisional approach and adaptive culture, while SNL Financial has a multifocused structure and clan culture.
State Bank of India (SBI) is India's largest bank. It was founded in 1806 and is majority owned by the government of India. SBI has over 17,000 branches across India and internationally. The document discusses SBI's strategic evolution over time in response to changes in ownership, governance, business processes, and structures. It analyzes SBI's competitors, products, marketing mix, SWOT analysis, and external environment using PEST and Porter's Five Forces frameworks. The analysis identifies SBI as the market leader and a "cash cow" given its continued growth and profitability.
HDFC Bank caters to both wholesale and retail banking. It has three key business segments: 1) Wholesale banking which provides commercial services to large corporations. 2) Treasury which offers foreign exchange, money market, and equity products. 3) Retail banking which offers financial products and services to individual customers. HDFC Bank has seen significant growth in areas such as credit cards, point-of-sale terminals, and digital platforms. It remains the largest and one of the most valuable banks in India.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
ICICI Bank was founded in 1955 and has since grown to become the second largest bank in India. It offers a wide range of banking and financial services through its subsidiaries, which include ICICI Prudential Life Insurance (largest private insurer), ICICI Lombard General Insurance, ICICI Securities, and ICICI Prudential Asset Management (third largest mutual fund). Over the past 5 years, ICICI Bank has significantly grown its revenues and profits. It aims to strengthen its position in India and globally through strategic initiatives focused on retail banking, cost reductions, and maintaining its brand as the number one banking brand in India.
leadership Qualities of narayan murthySunny Gandhi
N.R. Narayana Murthy is an Indian businessman who co-founded Infosys, a global IT consulting and services company based in India. He served as CEO for 21 years, growing the company from a small start up to a multinational corporation. With a net worth over $1.6 billion, Murthy demonstrated that business can be conducted ethically and profitably in India. He focused on transparency, employee welfare, and talent development to build a successful and respected organization.
HDFC Bank was established in 1994 as a private sector bank. It has grown to become one of the largest banks in India with over 2,000 branches and 5,000 ATMs across the country. The bank offers a wide range of products and services including credit cards, personal loans, home loans, mutual funds, and trade services. It has pursued an aggressive expansion strategy and targets both retail and corporate customers. The bank has received several awards recognizing its strong financial performance and use of technology.
1) The banking industry in India has become highly competitive which has increased the need for banks to focus on customer retention through high quality services.
2) It is important for banks like ICICI Bank to understand customer satisfaction levels and the key drivers of satisfaction to improve services, gain a competitive advantage, and increase customer retention.
3) Analyzing ICICI Bank's financial performance and service quality allows them to identify areas for improvement and better meet customer needs and expectations.
This document provides information about HDFC Bank, including its history, products and services, vision, mission, business strategy, segmentation and targeting approaches, capital structure, SWOT analysis, and key milestones. Some of the main points summarized are:
HDFC Bank was established in 1994 and has grown to become one of the largest private sector banks in India with over 1,700 branches. It offers a range of banking products and services including loans, deposits, investment funds, insurance, and remittances. The bank aims to be customer-driven and market leading through technology-enabled services and growth while maintaining high asset quality. However, it faces threats from competitors and was penalized for violations uncovered in an inquiry called Operation
Sri Ammembai Subba Rao Pai established the Canara Hindu Parliament Fund in 1906, which later became Canara Bank Ltd in 1910. Canara Bank was nationalized in 1969 and has since grown to over 1000 branches. It became the first Indian bank to receive ISO certification for its branch operations. Canara Bank has a vision to pursue best practices and a mission to provide quality banking services while being socially responsible. Currently, it has over 56,000 employees operating internationally. Canara Bank focuses on innovation, technology, and social/rural banking while facing challenges from competition and economic/policy changes.
This document provides an analysis of service quality at State Bank of India (SBI).
It begins with an overview of SBI's history, operations, products/services. Chapter 2 discusses the objectives and importance of analyzing service quality gaps.
Chapter 3 examines SBI's internal/external marketing initiatives and strategies. It finds issues with change management and a need to improve customer care.
Chapter 4 analyzes service quality gaps between expected and perceived levels. The largest gaps were in attention to individual customers and personal service.
Key findings show satisfaction levels were higher for reliability, responsiveness and assurance, but lower for tangible factors and empathy.
Recommendations include improving understanding of customer needs, credibility, willingness
This corporate presentation discusses the financial performance and strategy of IndusInd Bank. Some key points:
- For the fiscal year ending March 2017, IndusInd Bank reported strong growth in loans (27%), deposits (28%), revenue (29%) and profits (27%). Asset quality remains stable with low NPAs of 0.39%.
- The bank has a diversified loan book split between corporate/commercial banking (60%) and consumer finance (40%). It is focused on growing its liability and fee franchises.
- Going forward, IndusInd Bank aims to double its customer base to over 20 million through initiatives like expanding its branch network, increasing digital capabilities, and financing more livelihood sectors.
This document summarizes an internship report submitted to Axis Bank. It provides background on Axis Bank, including its vision, capital structure, business segments, and SWOT analysis. The internship project involved a comparative analysis of Axis Bank's products and services against its competitors. A survey was conducted with 100 Axis Bank customers. Findings showed customers were generally satisfied but Axis could improve areas like technology updates and number of ATMs. Recommendations included promoting internet banking more, increasing ATM network flexibility, and targeting more customer groups. The conclusion was that Axis has a good customer relationship but needs to improve services and adoption of technology versus competitors.
Bank of Baroda- Summer Internship ReportAnkit Kumar
This document is a summer internship report submitted by Ankit Kumar to Bank of Baroda. The internship focused on enhancing the user interface and experience of the Bank's website. Ankit conducted research through surveys and analysis of industry best practices. Key findings indicated customers liked the website design but had concerns about colors, navigation, and outdated content. Recommendations included using predictive suggestions to engage customers, improving design elements, and incorporating new technologies like AI assistants. The report provides an overview of the Bank, its products and performance, and outlines Ankit's research methodology and findings to enhance the website.
ICICI Bank is India's second largest bank. It was founded in 1955 as the Industrial Credit and Investment Corporation of India to support the industrialization of India. ICICI Bank launched in 1994 and became the first Indian bank to list on the New York Stock Exchange in 2000. ICICI Bank provides a wide range of banking and financial services including retail banking, credit cards, investment banking, insurance, and private banking. It has over 800 branches across India and has expanded internationally with subsidiaries in countries like Canada, Russia, Singapore, and the United Kingdom.
Aditya Puri, the CMD of HDFC Bank, is concerned about the bank's performance as targets have been questioned due to market volatility. He reflects on HDFC Bank's growth over the years under his leadership to become one of the top banks in India. The document then provides context about economic reforms in India since 1991 that created challenges for industry. It summarizes reforms in the financial sector, privatization, and social sector development.
HDFC Bank was one of the first private sector banks established in India in 1994. It has grown to become one of the largest banks in India with over 1,400 branches and 3,295 ATMs across 528 cities. HDFC Bank offers a wide range of banking products and services to both retail and corporate customers through its wholesale and retail banking divisions. It has achieved numerous awards and recognition for its financial performance, innovation, and customer service.
This document provides an analysis of opportunity for promotional strategies for State Bank of India. It begins with an overview of SBI as the largest nationalized commercial bank in India. It then defines various banking services including investment banking, retail banking, commercial banking, private banking, and asset management. It identifies SBI's target markets as current and potential customers in rural areas and tier 2/3 cities. The document outlines SBI's communication objectives of increasing awareness, attention, and purchase actions. It notes factors that affect the communication budget such as company strategy, product life cycle stage, and competitive intensity. Finally, it recommends creating communications strategies that match SBI's strategy and focus on opportunities/threats while fitting the company image, and
Punjab National Bank was defrauded of $1.77 billion in a scam perpetrated by Nirav Modi, a diamond trader, and his associates. Modi fraudulently obtained letters of undertaking from PNB to secure loans from other banks without providing collateral. The fraud was detected in January 2018 when PNB officials noticed fraudulent transactions were not recorded properly. The scam has significantly impacted PNB and other public sector banks through loss of funds and declining share prices. Investigations into the fraud are ongoing along with efforts to recover funds from Modi's seized assets.
State Bank of India Vision and Mission (Ravi Kulkarni)Ravi9964592092
The State Bank of India aims to be the most trusted and preferred global financial services provider. Its vision is to offer high quality customer service worldwide. The bank strives to speak to young Indians, go above and beyond for customers, and use technology to drive excellence. It aims to offer a wide range of competitive banking products while ensuring customer satisfaction and efficient operations. The bank's values include honesty, respect, knowledge sharing, and community contribution.
This document appears to be a presentation on ICICI Bank submitted for a strategic management project. It includes an agenda covering topics like revenue, growth, market capitalization, business model, industry analysis, financial analysis, products and services by segment, competition, strategies, and more. Charts are included analyzing ICICI Bank's revenue, market capitalization, and various profitability ratios from 2008-2011.
The document is an internship report submitted by Mayank Mulchandani to Medi-Caps University for their MBA program. It details their 8 week internship at State Bank of India in the Credit Division. It includes sections on the company profile of SBI, describing it as a major public sector bank in India. It provides information on SBI's history dating back to 1806, its current position and services offered which include personal, rural, SME and corporate banking. The report was prepared under the supervision of Mr. Prakash Kumar Shukla, Branch Head of SBI's MG Road branch.
This document discusses two companies - Mahindra Finance and SNL Financial. It provides details about their histories, structures, products/services, and how they are influenced by different external factors. Both companies have expanded significantly since their founding, with Mahindra Finance establishing over 400 offices across India and SNL Financial expanding globally with over 1,200 employees in 10 offices worldwide. While they face some similar external influences like industry and technology, their structures and cultures differ - with Mahindra Finance taking a more divisional approach and adaptive culture, while SNL Financial has a multifocused structure and clan culture.
State Bank of India (SBI) is India's largest bank. It was founded in 1806 and is majority owned by the government of India. SBI has over 17,000 branches across India and internationally. The document discusses SBI's strategic evolution over time in response to changes in ownership, governance, business processes, and structures. It analyzes SBI's competitors, products, marketing mix, SWOT analysis, and external environment using PEST and Porter's Five Forces frameworks. The analysis identifies SBI as the market leader and a "cash cow" given its continued growth and profitability.
HDFC Bank caters to both wholesale and retail banking. It has three key business segments: 1) Wholesale banking which provides commercial services to large corporations. 2) Treasury which offers foreign exchange, money market, and equity products. 3) Retail banking which offers financial products and services to individual customers. HDFC Bank has seen significant growth in areas such as credit cards, point-of-sale terminals, and digital platforms. It remains the largest and one of the most valuable banks in India.
The document discusses the banking industry in India. It outlines objectives like identifying market share and competition. It describes the market structure in India and globally, with public sector banks, private sector banks, and foreign banks in India. The top 10 banks in India and worldwide are listed. Industry concentration is examined using the Herfindahl Index. Technological changes, demand conditions, pricing, advertising, and mergers and acquisitions in the industry are analyzed. The future outlook is positive due to India's growing population and incomes.
July 2014 Edition of BEACON, A Monthly Newsletter by SIMCON.
Inside this issue:
INDUSTRY ANALYSIS :Banking Industry
COMPANY ANALYSIS : ICICI Bank
Concept of the Month
Quiz
Did You Know?
This document analyzes the SWOT of private sector banks in India. It discusses their evolution since the early 20th century and present scenario. Private banks have strengths like professional manpower, efficiency, and compliance with regulations. Their weaknesses include limited geographic reach and high employee turnover. Opportunities exist in decision making autonomy and technology, while threats include competition from foreign and public sector banks. Specific SWOT analyses are also provided for ICICI Bank, Kotak Bank, and Axis Bank.
Bandhan started as Bandhan Konnagar in 2001 as a non-governmental organisation
(NGO) providing microfinance services to socially and economically disadvantaged
women in rural West Bengal. Bandhan Financial Services (BFSL) started its microfinance
business in 2006. The NGO transferred its microfinance business to BFSL in 2009. Thus,
the entire microfinance business was undertaken by BFSL from 2009.
BRAC Bank Limited is a commercial bank in Bangladesh that was established in 2001. It aims to provide banking services, particularly to small and medium enterprises, and pursue profitable market niches not served by conventional banks. The bank has over 150 branches across Bangladesh and uses technology like online banking and a UNIX-based software system to provide efficient services to its growing customer base. It focuses on sustainable growth, maintaining low costs, and balancing profitability with social responsibility.
IndusInd Bank has experienced steady growth over the past 5 years and is positioned for further expansion. The bank has a diversified loan book split between corporate and consumer financing. It has a pan-India presence through 1,400 branches and over 2,000 ATMs. Recent acquisitions like Bharat Financial Inclusion provide access to microfinance customers and opportunities to increase deposits. Projections estimate loan growth of 25-30% annually through 2023 and deposit growth over 40% by expanding basic banking services and digital offerings to reach more underserved areas.
Indian Banking Moving towards a new landscape - Current Trends in Indian Ban...Resurgent India
Indian banks have been looking to diversify their sources of income away from interest rates due to economic fluctuations. Fees from services like asset management, wealth management, and treasury have become more significant sources of revenue. Supply chain financing is also growing in importance as a way to provide better liquidity to corporations. Indian banks have adopted technologies like mobile, analytics and cloud computing to improve customer experience and gain competitive advantages. While bank deposits continued growing in 2013-14 due to rising incomes, financial inclusion remains a challenge as only 35% of Indians are banked compared to 50% globally. The Reserve Bank of India is focusing on improving inclusion through initiatives like PMJDY.
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3. RBL Bank, formerly Ratnakar Bank, is one of India's fastest growing
private sector banks with an expanding presence across the country. It
currently services over 4.9 million customers through a network of 342
branches and 199 including banking outlets and 488ATMs spread
across 20 Indian states and UnionTerritories. Established in 1943, RBL
Bank started a transformational journey under a new management
team in 2010.
RBL Bank's Operating Verticals
Corporate and
Institutional
Banking (C&IB)
Commercial
Banking (CB)
Transaction
Banking
Branch and
Business
Banking (BBB)
Retail Assets
Treasury and
Financial
Markets
Operations
Company
profile
4. External
Analysis
– Porter’s 5
force
Threat of New Entrants
For deposit substitutes include investment in gold, real estate,
equity etc.
For advances substitutes include, bonds, IPO etc.
High Entry barrier – RBI, Banking License
Emergence of Payments Bank
High Cost of Product differentiation
Difficult to build trust with customers
Easy access toTechnology
MEDIUMThreat, Positive Impact on Industry profitability
5. External
Analysis
– Porter’s 5
force
Bargaining Power of Customers
Low SwitchingCost
EasyAccess to information
HIGH volume of customers
LESS product differentiation
LESS substitutes available
Nascent debt market & volatile stock markets – Less opted by risk
averse Indian customers
Banks are an indispensable source of funds in India
HIGHThreat, Negative impact on Industry profitability
6. External
Analysis
– Porter’s 5
force
Threat of Substitutes
For deposits substitutes include
Gold – volatile
Equity – High Risk
Real Estate –Volatile
For advances substitutes include
Bonds – Low Return
IPO –Volatile, HIGH Risk
Insurance – Low Liquidity
LOWThreat, Positive Impact on Industry profitability
7. External
Analysis
– Porter’s 5
force
Bargaining Power of Suppliers
Largely customers prefer banks for its reliability
Gradually, customers have hedged inflation by investing in other
riskier avenues.
MEDIUMThreat, Parity on Industry profitability
8. External
Analysis
– Porter’s 5
force
Competitive Rivalry
Public sector banks, led by SBI & associates, control 77.3% of the
banking sector
Aggressive rivalry in metropolitan areas
Issuance of new licenses will increase competitive rivalry in rural
areas over medium to long term
Emergence of PAYMENTS BANK has diluted the need of physical
presence.
HIGHThreat, Negative Impact on Industry profitability
9. External
Analysis
– Porter’s 5
force
Sr.No
Porter’s 5 Forces
Level of
Threat
Impact on
Profitability
1 Threat of New Entrants Medium Positive
2
Bargaining Power of
Customers
High Negative
3 Threat of Substitutes Low Positive
4
Bargaining Power of
Suppliers
Medium Neutral
5 Competitive Rivalry High Negative
Overall Low to Medium Positive
10. External
Analysis
– PESTEL
Political
Govt. Budget affects Banking activities
Restricted with Govt. Policies
Government’s support to the PSU banks
74% FDI allowed in Private Sector
Loosening FDI policies for foreign players to invest.
Economic
PARA’ to handle complex debts under one umbrella
Monetary policy affects the workings of the bank (Bank Rate, CRR,
SLR)
Easing Restrictions on External Commercial Borrowings
11. External
Analysis
– PESTEL
Social
Social Media influencing buying behavior of customers and
awareness on Data Privacy
Increase in working population of India and growing disposable
income
Rapidly expanding rural market influenced by broadband and
mobile network penetration.
Illiteracy still being an issue.
MUDRA initiative – influence retail and corporate banking channels
by creating demand for customized product offerings with features
those of large corporates but with low volume transactions.
Technology
Internet Banking, Mobile Banking,Wallets
Biometrics and identity management
Tools like CRM, Big DataAnalytics becoming core of Business
Blockchain – Distributed Ledger system, Chatbot
12. External
Analysis
– PESTEL
Environment
Green banks - A green bank is a financial institution, typically public or
quasi-public, that uses innovative financing techniques and market
development tools in partnership with the private sector to accelerate
deployment of clean energy technologies.
Use of Green Credit Cards
NABARD, SIDBI, NHB, EXIM
Impact Investments
Sustainable Livelihood development
Legal -
The Banking Regulation Act 1949
Bankruptcy Code
Basel III norms
Financial Resolution and Deposit Insurance Bill, 2017 shifting power from
RBI to union government.
SWIFT GPI system to track end-to-end transaction references of 11,000
customers involved in SWIFT transaction worldwide.
13. Internal
Analysis
–SWOT
STRENGTHS
1. Diverse Maketing Mix
2. Efficient and strong top
management
3. High Proportion of long term
liabilities
4. High profit & revenue growth
WEAKNESSES
1. Lacks aggressive marketing
2. Lacks international Presence
3. Extremely low number of
branches and ATM's
4. Lack of legacy strengths like of
bigger banks.
OPPORTUNITIES
1. Small enterprise banking
2. Affordable housing
3. Entry into rural market
THREATS
1. Modernization of public sector
banks
2. Increasing NPA
3. Payments Bank
4. Cyber Threats
SWOT
14. Internal
Analysis
–VRIO
Resources Valuable Rare Inimitable
Organizat
ion
Vision Yes Yes No Yes
Corporate
governance practices
Yes Yes Yes Yes
Sustained Competitive
Advantage
Corporate Customer
diversity
Yes Yes Yes No
Competitive Parity
Distribution Network Yes Yes Yes Yes
Sustained Competitive
Advantage
Geographic reach Yes No No No Competitive Parity
Capital Structure Yes Yes Yes Yes
Sustained Competitive
Advantage
Information System
and Communication
network
Yes Yes No Yes
Temporary Competitive
Advantage
Risk Appetite Yes Yes Yes Yes
Sustained Competitive
Advantage
Customer Service Yes Yes No Yes
Temporary Competitive
Advantage
Reputation Yes Yes Yes Yes
Sustained Competitive
Advantage
It can be concluded that RBL’s resources gives it a sustainable competitive advantage in the above mentioned resources.
16. Business Level
Strategy
RBL Bank is following the Differentiation business level strategy.
The below three statement given by CEO of the bank reflects
strategy of RBL Bank
Statement: 1: “Our strategy was not to compete head-on with
the bigger banks”.
Statement: 2: “We want to be a mass banking institution”.
Statement:3: “Inclusion, technology to drive RBL Bank's growth
strategy”.
17. BANK IS
ACHIEVING
CRITICAL MASS
THROUGH:
1. Partnership
Mindset : RBL Bank
also refer to as a
‘Partners Ka Bank’
RBL continued to form strategic partnerships across multiple segments and product categories.
These collaborations speed up customer acquisition, lower expansion costs and enable to
generate higher value for our customers.
RBL have formed the following new partnerships:
ShriramTransport FinanceCompany (STFC): Partnered with ShriramTransport Finance to
create a digital payments ecosystem for their customers.
ETMONEY: Partnered with ETMoney by providing creditline to further strengthen the
portfolio of digital solutions.
Indian Oil: Collaborated with IndianOil (IOCL) to launch a unique co-branded Rupay-powered
prepaid card.
Bajaj Finserv: In partnership with Bajaj Finance, the Bank launched a series of co-branded
credit cards, thereby strengthening scale of operations in the rapidly growing credit cards
business that taps into Bajaj Finance’s vast network.
Moneytap: In partnership with Moneytap bank have co-created and enabled a unique line-of-
credit for individuals allowing them to get instant approval for a credit line online, it’s a card
plus loan rolled into one.
Indifi: A tie-up with this digital lender allowed extending loans to small merchants based on
card receivables.
Shubh Loans:The tie-up with Shubh Loans allowed extending personal lending to individuals
via an app, with proprietary credit engine and digital process.
Zeta: RBL is transforming paper driven process to digital by partnering with Zeta, India’s
largest B2B salary benefit solution provider.
18. BANK IS
ACHIEVING
CRITICAL MASS
THROUGH:
2. Inclusive
Banking
India forms about a fifth of the global population that does not have
bank accounts. Most lower-income households still do not have
meaningful access to affordable credit.
This is reflective of the huge untapped potential of this segment and
the opportunities therein.
Lending at the bottom of the pyramid is crucial to achieving
inclusive and all-encompassing growth and RBL believe that a few
players who bring scale, agility and a mindset of partnership will
lead this space
RBL increased its stake in Swadhaar Finserv to 100%, making it a
wholly owned subsidiary of the Bank.As a captive banking
correspondent for RBL Bank, Swadhaar Finserve will act as a major
catalyst in enabling to grow further in the micro-banking segment.
19. BANK IS
ACHIEVING
CRITICAL MASS
THROUGH:
3. Nurturing
Talent
RBL Bank had created an employee-friendly organization and
embraced the philosophy of ‘One Bank’ throughout the
organization, through training, development, career progression
and empowerment.
67% of employees covered under the Employee Stock Ownership
Plan (ESOP).
These measures have brought in more ‘skin in the game’ and have
helped brew a ‘passion for growth’ culture within the organization.
907
1328
1859
2798
3465
3872
4902
5300
0
1000
2000
3000
4000
5000
6000
No. of Employees
No. of Employees
2010-11 2011-12 2012-13 2013-14
2014-15 2015-16 2016-17 2017-18
4.4
6.7
7.9 7.7
9.1
11.8
13.1
15.9
0
2
4
6
8
10
12
14
16
18
Business per Employee (in Crs)
Business per Employees
(in Crs)
2010-11 2011-12 2012-13 2013-14
2014-15 2015-16 2016-17 2017-18
20. BANK IS
ACHIEVING
CRITICAL MASS
THROUGH:
4. Strong Risk
Management
andGovernance
RBL maintain strong asset quality through disciplined credit
risk management
Bank RBL Bank ICICI AXIS
Net NPA %
(2018)
0.78% 4.77% 3.09%
21. BANK IS
ACHIEVING
CRITICAL MASS
THROUGH:
5.Continuous
Investment in
Technology
Technology has been and continues to be a major pillar in driving the Bank's
strategy and success.
RBL Bank has stayed abreast with these technologies incorporating big data,
cloud computing, chat bots and APIs, among others to build customer-centric
solutions for delighting customers.
RBL Bank had launched following products over the years:
Digital Product, Insta Redemption Solution, Exclusively For Lic Mutual
Fund
Unique Digital Savings Account
PartneredWith Creditvidya For Instant EmploymentVerification
Co-createdAnd Enabled A Unique Line-of-credit For Individuals In
PartnershipWith Moneytap.
1.4 8.14
31.09
52.39
127.02
0
50
100
150
No. of visitors (lakhs)
No of visitors on website
(in lakhs)
2013-14 2014-15 2015-16 2016-17 2017-18
8.3
15.3
22
28
48
0
10
20
30
40
50
60
No. of customers (lakhs)
No of customers
(in lakhs)
2013-14 2014-15 2015-16 2016-17 2017-18
22. RBL Bank has done
series of
acquisitions and
infusions to add
strength in the
desired product
and customer
segments and also
it helped in expand
its base.
Graphs showing Steadily expanding geographical reach &
accessibility
365
375
388
350
355
360
365
370
375
380
385
390
No. of ATMs
No. of ATMs
2015-16 2016-17 2017-18
16
20 20
0
5
10
15
20
25
No. of States
No. of Cities
2015-16 2016-17 2017-18
173 183 197
239
265
0
50
100
150
200
250
300
No. of Branches
No. of Branches
2013-14 2014-15 2015-16
2016-17 2017-18
8.3
15.3
22
28
45
0
20
40
60
No. of Customers (lakhs)
No. of Customers
(lakhs)
2013-14 2014-15 2015-16
2016-17 2017-18
24. BCG Matrix
Corporate and institutional banking
& Retail banking can be consider as
the cash cow of RBL Bank, as it is
successfully able to earn
Business banking can be
consider as the cash cow
of RBL Bank
Rural & Agriculture
Banking Sector can be
consider as the question
mark for RBL bank