This document is a project report on banking done as a summer internship project. It provides an overview of the banking structure in India, the Indian banking industry, and upcoming foreign banks entering India. It then discusses HDFC Bank, providing details on its founding, profile including branch and ATM growth, technology used, products and customers, business strategy, and recent developments.
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
Financial Statement Analysis With The Help of Ratios (Suyesh Metel Pressing p...Avinash Labade
If any have Need Project Report please call +919011888598 and I will provide only Word File.
and
Project Cost is Rs 500/- Per Project
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The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalization of the Indian Banking Industry in 1994.
The presentation analysing Business Strategy, Porter's Five Force Model analysis, SWOT analysis of HDFC.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
Financial Statement Analysis With The Help of Ratios (Suyesh Metel Pressing p...Avinash Labade
If any have Need Project Report please call +919011888598 and I will provide only Word File.
and
Project Cost is Rs 500/- Per Project
Send Me Payment Phone Pay or Google Pay
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalization of the Indian Banking Industry in 1994.
The presentation analysing Business Strategy, Porter's Five Force Model analysis, SWOT analysis of HDFC.
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.
When we think about refreshment, the first thing that comes to our mind is coffee or tea. Most people prefer coffee and most prefer tea and these two drinks have become a part of a human being’s life.
Here we (I) have concentrated on coffee which is considered as a traditional drinks especially in south India. People here start their everyday life with a cup of coffee. Not only in south India but in all parts of the world people are so dependent and addicted to coffee that it acts as a daily schedule to every body every where. But this coffee is not grown in all parts of the world but is grown in very few places with right kind or weather, atmosphere and most important of all, the soil of that region.
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The sugar industry occupies a major portion in the (organization) industries of India. The sugar industries have rank second next to cotton and textile industries. The sugar industry started since 1830. China is the first producer of sugar in the world. It provides highest direct employment opportunities.
The sugar industry is one of the important Ago-based industry of the country India is the fourth major sugar production in the world. The first three is Russia, Brazil and Cuba. Sugar industry provides direct employment to nearly 3lakh persons this industry supports about 25 million agriculturists. It pay’s both to the central government and the state government about Rs.350 crores by way of different taxes. The capital employed in the industry is of the order of Rs.780 crores. There are about 414 mills producing sugar, which are spread all over the country.
When we think about refreshment, the first thing that comes to our mind is coffee or tea. Most people prefer coffee and most prefer tea and these two drinks have become a part of a human being’s life.
Here we (I) have concentrated on coffee which is considered as a traditional drinks especially in south India. People here start their everyday life with a cup of coffee. Not only in south India but in all parts of the world people are so dependent and addicted to coffee that it acts as a daily schedule to every body every where. But this coffee is not grown in all parts of the world but is grown in very few places with right kind or weather, atmosphere and most important of all, the soil of that region. It is usually grown in hill stations with adequate amount of rainfall and such places which are high above sea level. Therefore in India, Karnataka is such a place, especially South Karnataka which produces the highest amount of coffee in whole India. Most parts of Karnataka such as Chikmagalur district and many parts in Hassan District, and also Coorg.
A Study on Sugar Industry at Chamundeshwari SugarProjects Kart
The discovery of sugarcane from which sugar was produced had been known since thousands of years. It is thought to have originated in New Guinea, and was spread along routes to Southeast Asia and India. The process known for creation of sugar, by pressing out the juice and then boiling it into crystals, was developed in India around 500 BC.
Its cultivation was not introduced into Europe until the middle-ages, when it was brought to Spain by Arabs to thrive in a most favorable climate.
Study on Inventory Management at Reid & Taylor (India) LtdProjects Kart
Inventory is a list of goods and materials, or those goods and materials themselves, held available in stock by a business. Inventory management is primarily about specifying the size and placement of stocked goods. Inventory management is required at different locations within a facility or within multiple locations of a supply network to protect the regular and planned course of production against the random disturbance of running out of materials or goods. The scope of inventory management also concerns the fine lines between replenishment lead time, carrying costs of inventory, asset management, inventory forecasting, inventory valuation, inventory visibility, future inventory price forecasting, physical inventory, available physical space for inventory, quality management, replenishment, returns and defective goods and demand forecasting.
Study on Working Capital Management at PNBProjects Kart
The prime objective of any business is to maximize the value of the company and to maximize the wealth of its shareholders. Working capital management has its own role to play in attaining this goal. Working capital is the funds required for day to day working in a business concern. The working capital management involves deciding upon the amount and composition of current assets and how to finance those assets. There should be a proper trade off between risk and profitability in each decision relating to it. This project work has been undertaken to know the procedures involved in the working capital management in PUNJAB NATIONAL BANK. An attempt is made to study the factors contributing towards working capital and the sources on which the company is depending for funds. The research study was also conducted to derive working capital ratios, to know the performance and efficiency of working capital management and to know the kind of policy adopted in this part of the management. For analyzing the factors and conditions influencing working capital tables and graphs were drawn based on the study. pubjab national bank mba project, summer internship 2017, project reprot, punjab national bank pdf, risk, project report pdf, project report, customer satisfaction in punjab national bank
Study on Mutual Fund is the Better Investment PlanProjects Kart
Mutual funds have become a hot favorite of millions of people all over the world. The driving force of mutual fund is the ‘safety of the principal’ guaranteed, plus the added advantage of capital appreciation together with the income earned in the form of interest or dividend. People prefer Mutual Funds to bank deposits, life insurance and even bond because with a little money, they can get into the investment game. One can own string blue chips like ITC, TISCO, Reliance etc., through mutual funds. Thus, mutual funds act as a gateway to enter into big companies hitherto inaccessible to an ordinary investor with his small investment.
Study on Store Environment and Merchandising Mix at Big BazaarProjects Kart
Retailing consists of those business activities involved in the sale of goods and services to consumers for their personal, family, or household use. Retailing comprises of four elements customer orientation, coordinated effort, value-driven, and goal orientation. The word "Retail" originates from a French-Italian word. Retailer-someone who cuts off or sheds a small piece from something. Retailing is the set of activities that markets products or services to final consumers for their own personal or household use. It does this by organizing their availability on a relatively large scale and supplying them to customers on a relatively small scale. Retailer is a Person or Agent or Agency or Company or Organization who is instrumental in reaching the Goods or Merchandise or Services to the End User or Ultimate Consumer.
Initial Public Offers and Due DiligenceProjects Kart
This report, as the Title “Initial Public Offers and Due Diligence: The Role of a Investment Banker”, is an attempt to bring forth the importance of the process of Due Diligence and the significance of the vital role played by the Investment Banker in managing the issue of an Initial Public Offer (IPO).
When a Company issues an IPO, it means it is going public. The issue of an IPO introduces a great degree of transparency in a Company‟s operations. All the relevant and updated information pertaining to the company is laid down before the investors so that they may make an investment decision. Again, there are set procedures, rules, regulations and laws to be followed in laying down this information before the investors. A document called the Prospectus‟ must be prepared. The Prospectus captures all the necessary information that is to be made available to the investors. Apart from the Prospectus, there are various other company documents that need to be verified and summarized in order to present them before the investors.
Influence of ADR on Underlying Stock PricesProjects Kart
Globalization has opened the door for the investors to avail various investment avenues across the globe. American Depository Receipt (ADR) is one such opportunity to the investing community. The ADR is a proxy for the Indian shares to enable them to be traded in the American stock exchanges. Various studies conducted on Depository Receipts (DRs) have shown that the trading on the DR sin the foreign market has its influence in the home country’s stock in terms of price, volatility and volume. This interested me and this project is concerned about studying “Whether the price fluctuations of ADR affect the corresponding Indian share prices?”
After the liberalization of the economy in 1991, the corporatist started sourcing their capital from both domestic and foreign markets. The Indian shares cannot be directly listed in the American stock exchanges. ADRs have been very helpful in this purpose. So a custodian bank receives the shares as deposit and issues receipt to the market. These receipts are issued in appropriate ratio to the shares deposited with the depository. The market players in the stock exchanges trade these receipts.
Impact of ERP on Organizational Functions in Retail SectorProjects Kart
The business environment has changed more in the last five years than it did in the previous five decades. Winning in today’s business climate requires more than just providing high-quality, low-cost products to customers, when and how the customers want them. The ability to respond to new customer needs and seize market opportunities as they arise, without compromising on the profitability of the firm is critical for the success of any organization. Competitive pressures frequently force manufacturers to decrease prices in spite of the fact that their internal costs continue to rise. Enterprises are continuously striving to improve themselves in the areas of quality, time to market, customer satisfaction, performance and profitability. Making informed business decisions in this manner would enable organizations to accomplish their business growth and at the same time enable them to utilize the information to competitive advantage. To make it possible for the companies to execute this vision, there is a need for an infrastructure that will provide information across all functions and locations within the organization and this is the Enterprise Resource Planning (ERP) solution available in the market today.
The Impact of Creativity and Wow Factor in AdvertisingProjects Kart
The approach used in this report is a case study approach. It essentially deals with two aspects; creativity and WOW factor. These two terms have been defined and the impact they have in advertising has been studied. The objectives of doing such a study were to understand creativity, to define it and to find factors that elicit a WOW response from viewers.
Impact of Advertisements on Investors at HDFC Standard Life InsuranceProjects Kart
This project is managing study on “Impact of advertisement on Investors – A case study in HDFC Standard Life Insurance” The scope of study is regarding the advertisements and therefore the presence of HDFC SLIC with relation to in door advertisements and their advertisements & their effectiveness & out door advertisements, however the folks wish to watch them. to understand the notice within the public like better to watch the ads and medium.
Impact of Advertising on Customers in Tata MotorsProjects Kart
The consumer durable market in India has been very competitive in the recent years, with opening up of market for international players due to liberalization; the domestic players are facing a tough competition. So it‟s time for domestic companies to frame new strategies for their production and marketing activities. An evaluation of the effectiveness of the past activities of a company will enable the company in framing these new strategies. Such an effort has been made through this market research to know the http://www.projectskart.com/ on Customers in TATA MOTORS (A case study in AUTO MATRIX, HASSAN).
Recruitment and Selection at Aviva Life InsuranceProjects Kart
The MBA project titled “RECRUITMENT AND SELECTION” Undertaken in AVIVA life insurance.
AVIVA is a UK based insurance group. It has a long history dating back to 1834 and has a joint venture with DABUR groups. Aviva holds a 26 per cent stake in the joint venture and the Dabur group holds the balance 74 per cent share.
It is one of the leading providers of life and pensions products to Europe and has substantial businesses elsewhere around the world.
The project report is about recruitment and selection process that‟s an important part of any organization. Which is considered as a necessary asset of a company? In fact, recruitment and selection gives a home ground to the organization acumen that is needed for proper functioning of the organization.
Financial Freedom through Reverse MortgageProjects Kart
The world population structure shows that population worldwide is ageing owing to exaggerated longevity of older folks and small birth rates in developed and most developing countries. Visit www.projectskart.com for more information. In Asian nation alone, statistics show that variety of older as a proportion of population can show a 107% growth, from 113 million in 2016 and 179 million by 2026 severally.
Financial Analysis on Recession Period at M&M TractorsProjects Kart
Financial ANalysis (also stated as financial plan analysis or accounting analysis) refers to an assessment of the viability, stability and profitable of a business, sub-business or project. Visit www.projectskart.com for more information. It is performed by professionals World Health Organization prepare reports exploitation ratios that create use of data taken from monetary statements and different reports. These reports area unit typically given to prime management mutually of their bases in creating business selections.
Effective Supply Chain Management as a Strategic AdvantageProjects Kart
TSS was established in 1913 and since then it has been in Sirsi. The products have got their own brand image and also customers. Based on the service provided by TSS to its customers we can know how the organization considers its customers and its products to the customers. A study Effective supply chain management as a strategic advantage at TSS is undertaken for assessing the supply towards the customers and to understand the expectations of the customers towards arecanut and its products which will in turn help to take appropriate action by the management for removing the loop holes.
Brand Awareness of Spencer's and Comparative Analysis with Big BazaarProjects Kart
By 2004 the retail industry was growing rapidly in India, and Spencer's Retail decided to pursue an aggressive expansion strategy. The company had the customers, the products, and the employees to make it happen. It just needed an IT infrastructure that could support rapid growth. Visit http://www.projectskart.com/p/contact-us.html for more information. Current servers were at capacity, and the company needed to upgrade before adding new stores. Amit Mukerjee, Group CIO of the RPG Group, describes the challenge as part of the learning curve for retail development in India. ―Retailing is a new business in this country. As the business matures, the process matures, and IT systems must evolve accordingly. The company also needed an enterprise resource planning (ERP) solution to handle critical processes such as supply-chain management. It decided to implement mySAP ERP, now called SAP ERP, and realized the solution needed to run on high-performance servers. Spencer's Retail evaluated several possibilities, including servers from HP, IBM, and Sun Microsystems. It decided to build its IT infrastructure on Sun systems for several reasons. Sun SPARC Enterprise Servers had the performance and scalability needed to sustain its business, and they delivered higher performance at less cost. Sun's knowledge of the retail space in India, as well as its long history with RGP Enterprises, were also deciding factors.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
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➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
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➢ Korean Vietnam Partnership - Fair with LG
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➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
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Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Skye Residences | Extended Stay Residences Near Toronto Airportmarketingjdass
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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Search Disrupted Google’s Leaked Documents Rock the SEO World.pdf
Summer internship project on hdfc
1. Projectsformba.blogspot.com
PROJECT FINAL REPORT
ON
BANKING
BY
AT
Summer Internship Project
Projectsformba.blogspot.com
2. Projectsformba.blogspot.com
PROJECT TITLE
A project report on
COMPANY GUIDE FACULTY GUIDE
================ ==============
Prepared by :
Projectsformba.blogspot.com
3. Projectsformba.blogspot.com
Acknowledgements
If words are considered to be signs of gratitude then let these words
Convey the very same My sincere gratitude to HDFC BANK for
providing me with an opportunity to work with BANK and giving
necessary directions on doing this project to the best of my abilities.
I am highly indebted to ……………………..., Branch Manager and
company project guide, who has provided me with the necessary
information and also for the support extended out to me in the
completion of this report and his valuable suggestion and comments
on bringing out this report in the best way possible.
I also thank ……………………, who has sincerely supported me
with the valuable insights into the completion of this project.
I am grateful to all faculty members of IBMR_Ahmedabad and my
friends who have helped me in the successful completion of this
project.
Projectsformba.blogspot.com
4. Projectsformba.blogspot.com
CONTENTS
Sr. No. Subject Covered Page No.
1 Banking Structure in India 6-7
2 Indian Banking Industries 8-9
3 Upcoming Foreign Bank in India 10
4 HDFC BANK 11-12
5 Company Profile 13-15
6 Technology used 16-19
7 Product and Customer segments 20-23
8 Business Strategy 24-25
9 Inside Hdfc Bank 26-31
10 Rupee Earned – Rupee Spent 32-33
11 Recent Development 34-41
12 SWOT Analysis 42-48
13 Project on Plastic Money 49-55
Projectsformba.blogspot.com
5. Projectsformba.blogspot.com
BANKING STRUCTURE IN INDIA
Scheduled Banks in India
(A) Scheduled Commercial Banks
Public sector Private sector Foreign Regional Rural
Banks Banks Banks in Bank
India
(28) (27) (29) (102)
• Nationalized • Old Private
Bank Banks
• Other Public • New
Sector Banks Private
(IDBI) Banks
• SBI and its
Associates
(B) Scheduled Cooperative Banks
Scheduled Urban Cooperative Scheduled State Cooperative
Banks (55) Banks (31)
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Here we more concerned about private sector banks and competition
among them. Today, there are 27 private sector banks in the banking
sector: 19 old private sector banks and 8 new private sector banks.
These new banks have brought in state-of-the-art technology and
Aggressively marketed their products. The Public sector banks are
Facing a stiff competition from the new private sector banks.
The banks which have been setup in the 1990s under the guidelines
of the Narasimham Committee are referred to as NEW PRIVATE
SECTOR BANKS.
New Private Sector Banks
• Superior Financial Services
• Designed Innovative Products
• Tapped new markets
• Accessed Low cost NRI funds
• Greater efficiency
INDIAN BANKING INDUSTRIES
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The Indian banking market is growing at an astonishing rate, with
Assets expected to reach US$1 trillion by 2010. An expanding
economy, middle class, and technological innovations are all
contributing to this growth.
The country’s middle class accounts for over 320 million people.
In correlation with the growth of the economy, rising income levels,
increased standard of living, and affordability of banking products
are promising factors for continued expansion.
The Indian banking Industry is in the middle of an IT revolution,
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Focusing on the expansion of retail and rural banking.
Players are becoming increasingly customer - centric in their
approach, which has resulted in innovative methods of offering new
banking products and services. Banks are now realizing the
importance of being a big player and are beginning to focus their
attention on mergers and acquisitions to take advantage of
economies of scale and/or comply with Basel II regulation.
“Indian banking industry assets are expected to reach US$1 trillion by
2010 and are poised to receive a greater infusion of foreign capital,”
says Prathima Rajan, analyst in Celent's banking group and author of
the report. “The banking industry should focus on having a small
number of large players that can compete globally rather than having
a large number of fragmented players."
UPCOMING FOREIGN BANKS IN INDIA
By 2009 few more names is going to be added in the list of foreign
banks in India. This is as an aftermath of the sudden interest shown
by Reserve Bank of India paving roadmap for foreign banks in India
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greater freedom in India. Among them is the world's best private bank
by EuroMoney magazine, Switzerland's UBS.
The following are the list of foreign banks going to set
up business in India :-
• Royal Bank of Scotland
•
• Switzerland's UBS
•
• US-based GE Capital
•
• Credit Suisse Group
•
• Industrial and Commercial Bank of China
WE UNDERSTAND YOUR WORLD
The Housing Development Finance Corporation Limited (HDFC) was
amongst the first to receive an 'in principle' approval from the
Reserve Bank of India (RBI) to set up a bank in the private sector, as
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part of the RBI's liberalization of the Indian Banking Industry in 1994.
The bank was incorporated in August 1994 in the name of 'HDFC
Bank Limited', with its registered office in Mumbai, India. HDFC Bank
commenced operations as a Scheduled Commercial Bank in January
1995.
HDFC is India's premier housing finance company and enjoys an
impeccable track record in India as well as in international markets.
Since its inception in 1977, the Corporation has maintained a
consistent and healthy growth in its operations to remain the market
leader in mortgages. Its outstanding loan portfolio covers well over a
million dwelling units. HDFC has developed significant expertise in
retail mortgage loans to different market segments and also has a
large corporate client base for its housing related credit facilities.
With its experience in the financial markets, a strong market
reputation, large shareholder base and unique consumer franchise,
HDFC was ideally positioned to promote a bank in the Indian
environment.
HDFC Bank began operations in 1995 with a simple mission : to be a
“ World Class Indian Bank.” We realized that only a single minded
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focus on product quality and service excellence would help us get
there. Today, we are proud to say that we are well on our way
towards that goal.
COMPANY PROFILE
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As of March 31, 2008, the Bank’s distribution network was at 761
Branches and 1977 ATMs in 327 cities as against 684 branches
and 1,605 ATMs in 320 cities as of March 31, 2007.
Against the regulatory approvals for new branches in hand, the
Bank expects to further expand the branch network by around 150
branches by June 30, 2008. During the year, the Bank stepped up
retail customer acquisition with deposit accounts increasing from
6.2 million to 8.7 million and total cards issued (debit and credit
cards) increasing from 7 million to 9.2 million.
Whilst credit growth in the banking system slowed down to about
22% for the year ended 2007-08, the Bank’s net advances grew
by 35.1% with retail advances growing by 38.6% and wholesale
advances growing by 30%, implying a higher market share in both
segments.
The transactional banking business also registered healthy growth
With cash management volumes increased by around 80% and
trade services volumes by around 40% over the previous year.
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Portfolio quality as of March 31, 2008 remained healthy with gross
nonperforming assets at 1.3% and net non-performing assets at
0.4% of total customer assets. The Bank’s provisioning policies for
specific loan loss provisions remained higher than regulatory
requirements.
TECHNOLOGY USED IN HDFC BANK
In the era of globalization each and every sector faced the stiff
competition from their rivals. And world also converted into the flat
from the globe. After the policy of liberalization and RBI initiatives to
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take the step for the private sector banks, more and more changes
are taking the part into it. And there are create competition between
the private sector banks and public sector bank.
Private sector banks are today used the latest technology for the
different transaction of day to day banking life. As we know that
Information Technology plays the vital role in the each and every
industries and gives the optimum return from the limited resources.
Banks are service industries and today IT gives the innovative
Technology application to Banking industries. HDFC BANK is the
leader in the industries and today IT and HDFC BANK together
combined they reached the sky. New technology changed the mind of
the customers and changed the queue concept from the history
banking transaction. Today there are different channels are available
for the banking transactions.
We can see that the how technology gives the best results in the
below diagram. There are drastically changes seen in the use of
Internet banking, in a year 2001 (2%) and in the year 2008 ( 25%).
These type of technology gives the freedom to retail customers.
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Centralized Processing Units Derived Economies of
Scale
Electronic Straight Through Reduced Transaction Cost
Processing
Data Warehousing , CRM Improve cost efficiency,
Cross sell
Innovative Technology Provide new or superior
Application products
HDFC BANK is the very consistent player in the New private sector
banks. New private sector banks to withstand the competition from
public sector banks came up with innovative products and superior
service.
2001
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Branches 43%
ATM 40%
Phone Banking
14%
Internet 2%
Mobile 1%
2005
Branches 17%
ATM 45%
Phone Banking
12%
Internet 25%
Mobile 1%
( % customer initiated Transaction by Channel )
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HDFC BANK PRODUCT AND CUSTOMER
SEGMENTS
PERSONAL BANKING
Loan Product Deposit Product Investment & Insurance
• Auto Loan • Saving a/c • Mutual Fund
• Loan Against • Current a/c • Bonds
Security • Fixed deposit • Knowledge Centre
• Loan Against • Demat a/c • Insurance
Property • Safe Deposit • General and Health
• Personal loan Lockers Insurance
• Credit card • Equity and
• 2-wheeler loan Derivatives
• Commercial • Mudra Gold Bar
vehicles finance
• Home loans
• Retail business
banking
• Tractor loan
• Working Capital
Finance
• Construction
Equipment
Finance
• Health Care
Finance
• Education Loan
• Gold Loan
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Corporate Small and Medium Financial Institutions
Enterprises and Trusts
• Funded • Funded Services BANKS
Services • Non Funded • Clearing Sub-
• Non Funded Services Membership
Services • Specialized • RTGS –
• Value Added Services submembership
Services • Value added • Fund Transfer
• Internet services • ATM Tie-ups
Banking • Internet Banking • Corporate Salary a/c
• Tax Collection
Financial Institutions
Mutual Funds
Stock Brokers
Insurance Companies
Commodities
Business
Trusts
BUSINESS MIX
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Total Deposits Gross Advances Net Revenue
Retail Wholesale
• HDFC Bank is a consistent player in the private sector
bank and have a well balanced product and business
mix in the Indian as well as overseas markets.
• Customer segments (retail & wholesale) account for
84% of Net revenues ( FY 2008)
• Higher retail revenues partly offset by higher operating
and credit costs.
• Equally well positioned to grow both segments.
.
NRI SERVICES
Accounts & Deposits Remittances
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• Rupee Saving a/c • North America
• Rupee Current a/c • UK
• Rupee Fixed Deposits • Europe
• Foreign Currency Deposits • South East Asia
• Accounts for Returning • Middle East
Indians • Africa
• Others
Quick remit
IndiaLink
Cheque LockBox
Telegraphic/ Wire Transfer
Funds Transfer
Cheques/DDs/TCs
Investment & Insurances Loans
• Mutual Funds • Home Loans
• Insurance • Loans Against Securities
• Private Banking • Loans Against Deposits
• Portfolio Investment • Gold Credit Card
Scheme
Payment Services Access To Bank
• NetSafe • NetBanking
• BillPay • OneView
• InstaPay • InstaAlert
• DirectPay • ATM
• Visa Money • PhoneBanking
• Online Donation • Email Statements
• Branch Network
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BUSINESS STRETEGY
HDFC BANK mission is to be "a World Class Indian Bank",
benchmarking themselves against international standards and best
practices in terms of product offerings, technology, service levels,
risk management and audit & compliance. The objective is to build
sound customer franchises across distinct businesses so as to be a
preferred provider of banking services for target retail and wholesale
customer segments, and to achieve a healthy growth in profitability,
consistent with the Bank's risk appetite. Bank is committed to do this
while ensuring the highest levels of ethical standards, professional
integrity, corporate governance and regulatory compliance. Continue
to develop new product and technology is the main business strategy
of the bank. Maintain good relation with the customers is the main
and prime objective of the bank.
HDFC BANK business strategy emphasizes the following
:
• Increase market share in India’s expanding banking and
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financial services industry by following a disciplined growth
strategy focusing on quality and not on quantity and delivering
high quality customer service.
• Leverage our technology platform and open scaleable systems
to deliver more products to more customers and to control
operating costs.
• Maintain current high standards for asset quality through
disciplined credit risk management.
• Develop innovative products and services that attract the
targeted customers and address inefficiencies in the Indian
financial sector.
• Continue to develop products and services that reduce bank’s
cost of funds.
• Focus on high earnings growth with low volatility.
INSIDE HDFC BANK
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FIVE “S” , PART OF KAIZEN
WORK PLACE TRANSFORMATION
Focus on effective work place organization
Believe in
“ Small changes lead to large improvement ”
Every successful organization have their own strategy to win the
race in the competitive market. They use some technique and
methodology for smooth running of business. HDFC BANK also
aquired the Japanese technique for smooth running of work and
effective work place organization.
Five ‘S’ Part of Kaizen is the technique which is used in the bank
For easy and systematic work place and eliminating unnecessary
things from the work place.
BENEFIT OF FIVE “S”
• It can be started immediately.
• Every one has to participate.
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• Five “ S” is an entirely people driven initiatives.
• Brings in concept of ownership.
• All wastage are made visible.
FIVE ‘S’ Means :-
S-1 SORT SEIRI
S-2 SYSTEMATIZE SEITON
S-3 SPIC-N-SPAN SEIRO
S-4 STANDARDIZE SEIKETSU
S-5 SUSTAIN SHITSUKE
(1) SORT :-
It focus on eliminating unnecessary items from the work place.
It is excellent way to free up valuable floor space.
It segregate items as per “require and wanted”.
Frequently Less
Required Frequently
Remove Required
everything from
workplace
Wanted but
not Required Junk Junk
(2) SYSTEMATIZE :-
Systematize is focus on efficient and effective Storage method.
That means it identify, organize and arrange retrieval.
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It largely focus on good labeling and identification practices.
Objective :- “A place for everything and everything in its place”.
(3) SPIC- n - SPAN :-
Spic-n-Span focuses on regular clearing and self
inspection. It brings in the sense of ownership.
(4) STANDERDIZE :-
It focus on simplification and standardization. It involve standard
rules and policies. It establish checklist to facilitates autonomous
maintenance of workplace. It assign responsibility for doing
various jobs and decide on Five S frequency.
(5) SUSTAIN:-
It focuses on defining a new status and standard of
organized work place. Sustain means regular training to maintain
standards developed under S-4. It brings in self- discipline and
commitment towards workplace organization.
LABELLING ON FILE
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FILE NUMBER
SUBJECT
FROM DATE
TO DATE
OWNER
BOX LABEL
For Example
1/3/A/6
1 – Work Station (1)
3 – Drawer (3)
A - Shelf (A)
6 – File Number ( 6)
COLOUR CODING OF FILES
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DEPARTMENT
Welcome Desk
Personal Banker
Teller
Relationship Manager
Branch Manager
Demat
Others
In the HDFC BANK each department has their different color coding
apply on the different file. Due to this everyone aware about their
particular color file which is coding on it and they save their valuable
time. It is a part of Kaizen and also included in the system of the Five
‘S’. Logic behind it that , the color coding are always differentiate the
things from the similar one.
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HUMAN RESOURCES
The Bank’s staffing needs continued to increase during the year
particularly in the retail banking businesses in line with the business
growth. Total number of employees increased from 14878 as of
March31,2006 to 21477 as of March 31, 2007. The Bank continues to
focus on training its employees on a continuing basis, both on the job
and through training programs conducted by internal and external
faculty.
The Bank has consistently believed that broader employee ownership
of its shares has a positive impact on its performance and employee
motivation. The Bank’s employee stock option scheme so far covers
around 9000 employees.
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RUPEE EARNED - RUPEE SPENT
It is more important for every organization to know about from where
and where to spent money. And balanced between these two things
rupee earned and rupee spent are required for smooth running of
business and financial soundness. This type of watch can control
and eliminate the unnecessary spending of business. In this diagram
it include both things from where Bank earned Rupee and where to
spent.
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HDFC BANK earned from the ‘Interest from Advances’ 51.14 % ,
‘Interest from Investment’ 27.12 %, bank earned commission
exchange and brokerage of 15.25 %. These are the major earning
sources of the bank. Bank also earned from the Forex and
Derivatives and some other Interest Income.
Bank spent 39.75 % on Interest Expense, 30.27 % on Operating
Expense and 14.58 % on Provision. Bank also spent Dividend and
Tax on dividend, Loss on Investment , Tax.
As we discuss above that balancing is must between these two for
every organization especially in the era of globalization where there
are stiff competition among various market players.
RECENT DEVELOPMENT
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The Reserve Bank of India has approved the scheme of
amalgamation of Centurion Bank of Punjab Ltd. with HDFC Bank
Ltd. with effect from May 23, 2008.
All the branches of Centurion Bank of Punjab will function as
branches of HDFC Bank with effect from May 23, 2008. With RBI’s
approval, all requisite statutory and regulatory approvals for the
merger have been obtained.
The combined entity would have a nationwide network of 1167
branches; a strong deposit base of around Rs.1,22,000 crores and
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net advances of around Rs.89,000 crores. The balance sheet size of
the combined entity would be over Rs.1,63,000 crores.
Merger with Centurion Bank of Punjab Limited
On March 27, 2008, the shareholders of the Bank accorded their
consent to a scheme of amalgamation of Centurion Bank of Punjab
Limited with HDFC Bank Limited. The shareholders of the Bank
approved the issuance of one equity share of Rs.10/- each of HDFC
Bank Limited for every 29 equity shares of Re. 1/- each held in
Centurion Bank of Punjab Limited. This is subject to receipt of
Approvals from the Reserve Bank of India, stock exchanges and
Other requisite statutory and regulatory authorities. The shareholders
Also accorded their consent to issue equity shares and/or warrants
convertible into equity shares at the rate of Rs.1,530.13 each to
HDFC Limited and/or other promoter group companies on preferential
basis, subject to final regulatory approvals in this regard. The
Shareholders of the Bank have also approved an increase in the
authorized capital from Rs.450 crores to Rs.550 crores.
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Promoted in 1995 by Housing Development Finance Corporation
(HDFC), India's leading housing finance company, HDFC Bank is one
of India's premier banks providing a wide range of financial products
and services to its over 11 million customers across hundreds of
Indian cities using multiple distribution channels including a pan-India
network of branches, ATMs, phone banking, net banking and mobile
banking. Within a relatively short span of time, the bank has emerged
as a leading player in retail banking, wholesale banking, and treasury
operations, its three principal business segments.
The bank's competitive strength clearly lies in the use of technology
and the ability to deliver world-class service with rapid response time.
Over the last 13 years, the bank has successfully gained market
share in its target customer franchises while maintaining healthy
profitability and asset quality.
As on March 31, 2008, the Bank had a network of 761 branches and
1,977 ATMs in 327 cities. For the year ended March 31, 2008, the
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Bank reported a net profit of INR 15.90 billion (Rs.1590.2crore),
up 39.3%, over the corresponding year ended March 31, 2007.
As of March 31, 2008 total deposits were INR 1007.69 billion,
(Rs.100,769 crore) up 47.5% over the corresponding year ended
March 31, 2007. Total balance sheet size too grew by 46.0% to INR
1,331.77 billion (133177 crore). Leading Indian and international
Publications have recognized the bank for its performance and
quality.
Centurion Bank of Punjab is one of the leading new generation
private sector banks in India. The bank serves individual consumers,
small and medium businesses and large corporations with a full
range of financial products and services for investing, lending and
advice on financial planning. The bank offers its customers an array
of wealth management products such as mutual funds, life and
general insurance and has established a leadership 'position'.
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The bank is also a strong player in foreign exchange services,
personal loans, mortgages and agricultural loans.
Additionally the bank offers a full suite of NRI banking products to
Overseas Indians. On 29th August 2007, Centurion Bank of Punjab
merged with Lord Krishna Bank (LKB), post obtaining all requisite
statutory and regulatory approvals. This merger has further
strengthened the geographical reach of the Bank in major towns and
cities across the country, especially in the State of Kerala, in addition
to its existing dominance in the northern part of the country.
Centurion Bank of Punjab now operates on a strong nationwide
franchise of 404 branches and 452 ATMs in 190 locations across the
country, supported by employee base of over 7,500 employees.
In addition to being listed on the major Indian stock exchanges,
the Bank’s shares are also listed on the Luxembourg Stock
Exchange.
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ACHIEVEMENT IN 2007
Business Today-
Monitor Group
survey One of India's "Most Innovative Companies"
Financial Express-
Ernst & Young Best Bank Award in the Private Sector category
Award
Global HR 'Employer Brand of the Year 2007 -2008'
Excellence Awards Award - First Runner up, & many more
- Asia Pacific HRM
Congress:
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Business Today 'Best Bank' Award
Dun & Bradstreet –
American Express
Corporate Best 'Corporate Best Bank' Award
Bank Award 2007
The Bombay Stock
Exchange and
Nasscom 'Best Corporate Social Responsibility
Foundation's
Business for Social
Practice' Award
Responsibility
Awards 2007
Outlook Money & Best Bank Award in the Private sector category.
NDTV Profit
The Asian Banker Best Retail Bank in India
Excellence in Retail
Financial Services
Awards
Asian Banker HDFC BANK Managing Director Aditya Puri wins the
Leadership Achievement Award for India
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SWOT ANALYSIS
STRENGTH WEAKNESSES
• Right strategy for the • Some gaps in range for
right products. certain sectors.
• Superior customer • Customer service staff need
service vs. competitors. training.
• Great Brand Image • Processes and systems, etc
• Products have required • Management cover
accreditations. insufficient.
• Sectoral growth is
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• High degree of customer constrained by low
unemployment levels and
satisfaction. competition for staff
• Good place to work
• Lower response time
with efficient and
effective service.
• Dedicated workforce
aiming at making a
long-term career in
the field.
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Opportunities Threats
• Profit margins will be good. • Legislation could impact.
• Could extend to overseas • Great risk involved
broadly. • Very high competition
• New specialist applications. prevailing in the industry.
• Could seek better customer • Vulnerable to reactive
deals.
attack by major competitors
• Fast-track career • Lack of infrastructure in
development opportunities rural areas could constrain
on an industry-wide basis. investment.
• An applied research centre • High volume/low cost
to create opportunities for market is intensely
developing techniques to competitive.
provide added-value
services.
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COMPETITIVE SWOT ANALYSIS WITH ICICI BANK
STRENGTHS WEAKNESSES
O
P S – O Strategies W – O Strategies
P
O Strength: Large Capital base. Weakness: Workforce
R
T Opportunity: Market Expansion. Responsiveness.
U
N Opportunity: Outsourcing of Non –
I Strategy: Deep Penetration into Core Business.
T
I Rural Market. Strategy: Outsource Customer
E Care & other E-Helps.
S
S – T Strategies W – T Strategies
T
H Strength: Low operating costs Weakness: Not Equal to
R International Standards.
E
A Threat: Increased Competition Threat: Entry of many Foreign
T from others Pvt. Banks. Banks.
S
Strategy: Steps to Ensure
Loyalty by old Strategy: Consider additional
Customers. benefits
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Detailed Analysis:
i. Strength - Opportunity Analysis.
Strength:
It is well know that ICICI Bank has the largest Authorised Capital
Base in the Banking System in India i.e. having a total capacity to
raise Rs. 19,000,000,000 (Non – Premium Value).
Opportunity:
Seeing the present financial & economic development of Indian
Economy and also the tremendous growth of the Indian
Companies including the acquisition spree followed by them,
it clearly states the expanding market for finance requirements
and also the growth in surplus disposal income of Indian citizens
has given a huge rise in savings deposits – from the above point it
is clear that there is a huge market expansion possible in banking
sector in India.
Strategy:
From the analysis of Strength & Opportunity the simple and
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straight possible strategy for ICICI Bank could be - to penetrate
into the rural sector of India for expanding its market share as well
as leading all other Pvt. Banks from a great gap.
ii. Strength - Threat Analysis.
Strength:
ICICI Bank is not only known for large capital but also for having a
low operations cost though having huge number of branches and
services provided.
Threat:
After showing a significant growth overall, India is able to attract
many international financial & banking institutes, which are known
for their state of art working and keeping low operation costs.
Strategy:
To ensure that ICICI Bank keeps going on with low operation cost
& have continuous business it should simply promote itself well &
provide quality service so as to ensure customer loyalty, therefore
guaranteeing continuous business.
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iii. Weakness - Opportunity Analysis.
Weakness:
It is well known that workforce responsiveness in banking sector is
Very low in Indian banking sector, though ICICI Bank has better
responsible staff but it still lacks behind its counterparts like HSBC,
HDFC BANK, CITI BANK, YES BANK etc.
Opportunity:
In the present world, India is preferred one of the best places for
out – sourcing of business process works and many more.
Strategy:
As international companies are reaping huge benefits after out-
sourcing there customer care & BPO’s, this same strategy should
be implemented by ICICI Bank so as to have proper customer
service without hindering customer expectations.
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iv. Weakness - Threat Analysis.
Weakness:
Though having a international presence, ICICI Bank has not been
able to keep up the international standards in providing customer
service as well as banking works.
Threat:
In recent times, India has witnessed entry of many international
banks like CITI Bank, YES Bank etc which posses an external
entrant threat to ICICI Bank – as this Banks are known for their art
of working and maintain high standards of customer service.
Strategy:
After having new entrants threat, ICICI Bank should come up with
More additional benefits to its customer or may be even reduce
some fees for any additional works of customers.
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PROJECT ON PLASTIC MONEY
PLASTIC MONEY
I give the project on Plastic Money to bank. The objective behind this
project is to increase the rich customers list in a bank. Plastic Money
title itself says the use of Credit Card and Debit Card in day to day
transaction of the business. I prepared the presentation on it and
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submitted to bank and Bank already started work on this project.
Idea behind this project is to sale the bulk product. Target customer
Of this project are two parties one is Wholesaler and second is
Retailer. Due to this idea bank also sell their swipe machine to
wholesaler and create brand image in the market.
The idea behind this, bank give the credit card swipe machine to
wholesalers and retailers use the credit card of the bank. Bank gives
the 50 days credit to their credit card holders. So here retailers can
get benefit of long credit period and on the other side wholesalers can
get the benefit of same day payment. As a result bank got the wide
list of customers of wholesalers and retailers.
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POWERPOINT PRESENTATION ON PLATIC
MONEY
OBJECTIVE
Use of Plastic
Money
Target customers
are Wholesalers and
Retailers
Bulk sales surely
possible
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IDEA
We sale our product to wholesalers and Retailers
and create group transactions.
Credit Card and Debit Card as a medium of
transaction.
Both the parties get benefit from it .
Bank got the new customers as a result.
Idea behind it, to convenience both the parties and create the group
transaction between them so bank can got the maximum benefit from
it. Each wholesaler has more than 15 to 20 retailers, so by this way
bank sell the bulk products.
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52. Projectsformba.blogspot.com
How it works
Meet to wholesalers first
Collect details of their Retailers
Convince both the parties and showing them a
benefits from it.
Force to open a bank account in HDFC Bank
to both the parties.
This power point slide shows the how idea works behind this project.
Meet the wholesaler first and get the details about their retailers and
convince both parties and shows the benefit of using this type of
transaction by plastic money.
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53. Projectsformba.blogspot.com
Benefit to Bank
Bulk product selling
Because wholesalers and retailers are in a
group
Indirect way to marketing
Bank always find those customers which are more involve in the
banking transaction. These type of group transaction between the
wholesalers and retailers maintain the well account in a bank.
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54. Projectsformba.blogspot.com
Marketing Strategy
It's show time and it's about one thing--
communicating the benefits of your product or
service in such a way that prospects or
customers want your solution to their
problem...
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