internet bank analysis - 3 banks website - academic assignment - top grade papers

7/31/2019 Internet Bank Analysis - 3 Banks Website - Academic Assignment - Top Grade Papers

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Internet Bank - Comparison

Comparison Page 1

Common Wealth Bank

Common Wealth Bank is the primary company whose website will be compared to its

closest two competitors. We have analyzed the Common Wealth Banks website using the

13 C of Internet Marketing. We start with the Domain analysis of the website

Domain:

Common Wealth Bank had used the short form of the name as their web address. It may be

the reason for the convenience of the customers and the users.

The Domain is .au and the complete web address iswww.commonbank.au

This domain name is easy to remember for the customers and the users who search for this

banks web or if they have to memorize it. Memorizing of the name also plays an effective

role in customers access to that website. And if we look at this address its simple and

reflects the banks name as well.

Search Engine Position:

The major search Engine is Google, which is mostly used by all over the world by millions of

users every hour (Sullivan, 2007). By putting the different Key words for the Common

Wealth Bank, we found that, the website is searched and is in sponsored link as well. And is

clearly presented by even major links of the web like Log on, Contact us, Personal, Home

Loans, Tools and Calculations, Rates and Fees, Accounts and Find us. Also this searched and

well presented link includes the Search in Common Wealth Bank tab, for easy access to

information on the website.

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Snapshot 2- Home Page view of the Common Wealth Bank

Below is the logo of the common wealth Bank. The color scheme for the website is

pale yellow and black. The website has this color scheme throughout the pages. And

this is their basic color line as well.

Snapshot 3 - Logo of Common Wealth Bank [normal]

But Common Wealth Bank has also showed an effective marketing strategy by

showing collaboration with their social responsibilities and collaborators with their

color schemes. As now days they have changed their color scheme to Pink and black,

because they want to show the support to the Breast Cancer. They have also place a

promotion sign on the main page of the website.






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Snapshot 4- Logo Common Wealth Bank [Supporting for Breast Cancer]

Snapshot 5- Common Wealth Bank Layout for support for BCIA

Thus the design and layout of the website is same throughout across the country,

but they change accordingly to support their collaborators. But still the main theme always

remains consistent. For a bank showing their corporate social responsibility, this is a very

effective mode of expression.

The search facility is very effective as well; the website has a search option on every page on

top right side. When we enter keywords, it returns with the very relevant results. Thus it

seems there will be very less use of the search option because of the very clear, and user






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Comparison Page 5

friendly navigation for the customers and users, but still if there is a need to use it, it will

function effectively. Please consider the snapshot below depicting the results of Capital

from the website.

Snapshot 6 - Search results for "Capital"

3. Conventions:

If we compare the website of CWB, we can see that though the bank is not using

some new techniques, to support help customers attention or In providing

convenience but the presentation is very effective. i.e. the customer dont has to pay

more time on the website to find its appropriate link. As on the main page there are






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general links for each category of customer for instance, Personal, Business or

Corporate. The new promotions are big and wide to display with appropriate

information on them and are going with the theme of the website. As they are not

looking something placed from outside of the website. Giving the customer/user an

interactive presentation to use.

The CWB webs is more focused for the customers/users to find their appropriate

link on the main page, rather searching them under the categories. On the other

hand they also avoid making too much clustered information over crowded on the

page. Thus I must say that this is very effective way of presenting the information for

a bank using the convenient tools and techniques. There are online buttons,

Personal, Business and Corporate, about us, Ads, and Videos. And direct selection to

apply for any service on the right.

4. Customer Focused:

CWB website is very focused for each category of customer, to reach to its

destination of the required information on the web. As we can see from Figure -1

that the each category of customer is being focused using the tabs and links on the

main page, to direct the user/customer to that page. The major categories that can

be seen from the website are Personal, business and corporate. Now in these

categories they have also focused narrowly on the users, who came online for the

web information or to use the online net bank services. So the website is also

focusing on those, by providing the appropriate links on the whole page. Moreover

there is also the menu for the press release/ News and Media. And the interesting

thing is that, they had the record of all the news and media in archive from last 9-10

years of data. It depicts how much deeply focused they are for not only the






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customers, but also the users of information seekers or we can say the

prospective/potential customers. They also have the feature to increase or decrease

font accordingly to the customer requirement for the people with sight problems.

5. Community:

Online they are not involved in any kind of customer to customer community which

interact customers with each other for sharing information. But the Bank is involved

in many outside activities, where they share the achievements. For instance under

the tab of About us , there is a link in thecommunity. Here you can find how

interactive the customers are which belongs to the bank. They had introduce the

Youth Programs, the money management workshops etc..

6. Customization:

The website of the CWB is made for purpose of providing services to clients and

information to the users and customers. So the visitor dont stay longer on the

website, the purpose is subject to service. Thus the customization option is not

available for the website. But the standardized and convenient lay out and designs

are made so that the customer can easily have access to the required section. The

built of the website is such that it reduces the clicks for the visitor. This helps in

increasing the potential customers, by giving the information effectively to the

visitor.

7. Connection:

Site dont contains any RSS. The News letter and other information is available and

easy to access by the visitors. Thus the visitors can come online to visit this site and

access to the information. On the other hand, the subscription for the newsletter






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and other media activities is available for the customers through email. This is also

optional.

8. Commerce:

As this website belongs to the Bank. The major functioning of the bank is not

through the website but other modes, as debit cards, credit cards, checks etc But

there are commerce activities through the website too. A Customer can login who

has an account and an online banking activation through Common Wealth Bank or

any of its subsidies, to transfer funds, receive funds, Online shopping etc. These

activities are common and are standardized. But again the login layout and security

features are which distinguish this banks commerce activities from others.

9. Convergence:

The website of this bank can only be accessible from the mobile browsers who

support html/xml. Many of the banks have purpose built websites for mobile

phones, especially smart phones and Iphones compatible. But this website doesnt

have any. It may be because of the customer demand. Secondly the site is enabled

on the mobile who support xml and html. But they are giving some of their services

from mobile sms, rather directly from website. There is detail documentation and

descriptions available for any activity or service from this website. Also the help

menu is very effective.

10.Cross Promotions:

This website is not cross promoting in bulk , but is using the other small business

activities to promote its clients usage. For instance a little ticker showing the movie

timings and a discount for buying them online using common wealth account etc






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11.Compliance:

This website hasnt gave more attention for the visitors with more disabilities. But

they have used some text size options to tackle with the common sight problem

visitors. But there are no major W3 options available to help deaf, colorblind, blind

visitors.

12.Currency:

The website if enrich with such tools to help their visitors/clients spread all over the

world to deal with currency exchange issues. They have all kind of facilities like forex

exchange, commodity exchange etc.. Tools and tables live, with respect to the

demographics. This thing is very effective for the customer while utilizing the

services using this website.

13.Corporate:

a. History:

CommBank was found in 1911, and was one of the largest four banks at that

time. Now Common Wealth Bank is the far most the largest market

Capitalized bank. In Australia (ASX: CBA). It has businesses in Asia, Fiji, New

Zealand, UK and USA. The Bank group contains a variety of businesses from

Retail, insurance to funds management, investment and broking services. It is

also the second largest company listed in Australian Security Exchange as in

of January 2008. Today it has more than 700,000 shareholders and more than

38,000 employees. (Sullivan, 2007)

b. Mission Statement:

Determined to offer strength in uncertain times






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14.Investors Relation

To see the position of any company the information should be transparent. And to

gain the strength the information and relation with the investor should be strong.

The investors information are very clear and transparent for the Common Wealth

Bank. The impressive way of presenting every information, from share prices, to

annual reports depicts the broadness of the aim and vision of the bank.

a. Share Price of the bank currently is $53.53, which is clearly mentioned on the

website along with the graph of the fluctuations of the shares.

Snapshot 7- Shareholder's information on CWB Website

b. There are also many links available for the investors and easy access to the

financial reports for the bank, with easy access of viewing and downloading

in the pdf version. Comparisons for analysts are also available with different

tools and information sets. See snapshot






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below

Snapshot 8- Shareholder information link on CWB website

All this information is very effectively arrange on the website, keeping in mind for building

the best relation with the investor giving the convenience of tools and transparent

information.

15.The Website has clearly used its products on the pages. So that the customers

/clients dont have any problem in accessing or finding to the desire product or

service they are looking for. The website is not the beta version, its tested and is

complete version. There are several downloadable items available including forms,

reports and other guide materials for the bank services. There is a complete list of

Branches and Atms of the bank available with their addresses on the website. The

customers can access to this information from the front page. Website also contains






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Comparison Page 13

the promotional ad videos in the section of Media Gallery. In short the website had

used each and every possible link for the customers to access to the information,

product or service that they are looking for.

16.Clicks:

Average Load time for commbank.com.au is 4.422 seconds, 77% of the websites are

faster then this (Alexa Ranking). The main page contains a section of promotion and

introduction to the new product and services so that, the customers/users or

investors can know about it as they open the page.

17.Ranking

Alexa is the most famous web ranking website. After checking through it we have

the following results on date 13-Oct 09 (Alexa Ranking)

World Traffic Rank : 1425

AU traffic Rank:15 : 15

More details on Ranking of CommBank from the world

Bangladesh = 1301

China = 24610

USA = 44056

Users of CommBank from around the world who visit the page






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Comparison Page 15

(Alexa Ranking)

Demographics receive by Alexa for the CommBank.com.au for the audience who visits the

website are






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Comparison Page 16

Australia and New Zealand Bank

Australia and New Zealand Banking Group or also known as ANZ Bank, is the closest

competitor of Common Wealth Bank. We are focusing on its website marketing using the

same internet marketing 13Cs and some other marketing Factors, which have used for

CommBank. This bank website is being compared with the CommBank, in every aspect to

analyze its internet marketing as being the closest competitor. Lets starts with the domain.

Domain:

Australia and New Zealand Bank or ANZ Bank as mentioned earlier is the closest competitor

of the CommWealth bank. The name ANZ is very short and convenient for the customers

and users to remember and recall while using their services or surfing as compare to the

CommWealth Bank.

The Domain is .com and .com.au ; the complete web address iswww.anz.com

ANZ uses its name in it as ANZ in the web address. So its very easy for their customers and

users to remember it. Also the two domains helps them in providing convenient to their

customers/users in exploring the website.



users every hour (Sullivan, 2007). By putting the different Key words for the ANZ Bank, we




http://www.anz.com/http://www.anz.com/http://www.anz.com/http://www.anz.com/


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found that, the

website is a sponsored in Google and comes on the first. Its easy to search ANZ bank. Also

the search items includes the complete list of links that are associated with the anz bank

website or other websites, like Yahoo Finance etc..

Snapshot 9-ANZ Bank Search Engine Result

13Cs and Marketing Factor Analysis:

1. Condition

2. Context:

When you open the website of the ANZ bank, it gives you the sharp blue effect,






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which creates the first impact of the web as a clustered and difficult to search

information or desire link. But when one spends some time on it, he/she gets used

to of it and can found the links and information required. The Navigation is bit

difficult on ANZ as compared to the CommBank. The information here is not very

much categorize in a manner to reduce the number of clicks, but seems more to

emphasize on the subjective information from the bank. The website had followed

the standard layout but in a very clustered manner. The ads banner of flash is very

irritating because of the time span of changing the ad is very less and distracts the

user from being focused. As again it seems that the focus is more to bombardment

of information from the bank to the visitor of the website, rather the facilitating the

visitor to find the required information, product or service.

Below is the snapshot of the home page of the website.






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Snapshot 10- Home Page view of ANZ Bank

Below is the logo of the ANZ Bank. The color scheme for the website is bright

yellow. The website has this color scheme throughout the pages. And this is their

basic color line as well.

Snapshot 11 - Logo of ANZ Bank

The logo of the bank is very bright and is not suitable for placing it everywhere because of

the background bluish color scheme. This color scheme provides resistant for adjusting the






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logo easily. But the logo is very simple and easy to remember and recall because of the use

of alphabets of the short form of the bank name ANZ.

Snapshot 3- ANZ Bank layout

The design of the Bank website is very standard, but the information seems to be

much clustered and is hard to find the required services. The layout is bluish and it may

provide uncomforted zone to the visitor and he or she may not be able to spend more time

effectively on the website. Mismatch of the graphics and picture icons is very commonly

seen. Also it seems that there is a repetitive of information on the page. As compared to the

CommBank website this websites layout is less effective and is not very much user friendly.






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The search option is on the top right corner of the website on every page. Its effective and

brings very relative results. We had tried Capital and it brings the relative links and files

which has the Capital in it. All links found are with the detail description so that it makes

easy for the user to find the link required. Below is the snapshot of the search results


3. Conventions:

The ANZ bank is using the standardized layouts for the convenience of the users, but

it seems that the color scheme they are using along with the information and links

placement on the web is so much clustered. Which decreases the effectiveness of






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information searching by the users and visitors on the webpage, moreover the link

categorization is very over repeated which brings a bit confusion for the first time

visitors to use the web.

It doesnt seems that ANZbanks website is more focused to the customers and

users but is more focused on selling and compelling the users to use the services or

get the information which bank want them to have. For instance if we look at the

ads, it changes so rapidly and the color contrasts make the bad impression and

confusing outcomes from the visitors.


ANZ bank is not very much focused on the customers. It seems the website is just

created following the standard rules and layouts following the competitors, not

adding any special tool or technique which shows the customer attention for the

website. We can find out the categorization is standard, but the presentation is not

effective. They had followed the standard categorizes for their shareholders,

personal, business and corporate customers. Also for the information seekers. The

net banking link and login form is always available on every page which is a good

thing as customers dont need to go back on the home or to search for the login

during the website surfing. Over all they had followed the conventional categories

and didnt introduce any new thing which is giving them a competitive edge for the

customer attraction.

5. Community:

ANZ bank seems to be involve in many community activities. The major categories

are

a. Financial literacy and inclusion






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b. Community involvement and volunteering

c. Indigenous communities

ANZ bank has provided all the details for their community involvement and for

visitors motivation they also had place the impact measurement section where they

can learn and see the results of their involvement in any community with ANZ Bank.

6. Customization:

The site is a professional banking site, so the customization option is not enabled. As

the user here comes just to take the services, or to fetch important information

regarding that service or product. So the time they customer/users devote on the

website is not that much that they require the option for customization. So ANZ is

following the standard mode for all customers and users to serve them accordingly.

7. Connection:

Site dont contains any RSS. The News letter and other information is. Thus the

visitors can come online to visit this site and access to the information. But the

subscription for the newsletter and other media activities is available for the

customers and also for the visitors through email. More over you can also send the

desire page to the friend by just clicking on the send it to a friend links on most of

the news and promotion pages.

8. Commerce:




has an account and an online banking activation through ANZ Bank or any of its






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subsidies, to transfer funds, receive funds, Online shopping etc. These activities are

common and are standardized.

9. Convergence:

Like CommBank the website of this bank can also be accessible only from the mobile

browsers who support html/xml. Many of the banks have purpose built websites for

mobile phones, especially smart phones and Iphones compatible. But like commbank

this website doesnt have any. It may be due to the customer demand etc.. Secondly

the site is enabled on the mobile that support xml and html. There is detail

documentation and descriptions available for any activity or service from this

website.

10.Cross Promotions:

The Bank has seasonal cross promotions with some outlets and Retail stores. But at

the moment in todays date there are no cross promotions available with the bank.

11.Compliance:

The website of Anz Bank is not at all focusing on the visitors with any disability. In

fact unlike CommBank they dont even have the text size option. The information is

so clustered for the normal people even.

12.Currency:

The Bank website is full of tools and information regarding the forex and

investments. Below are some of the snapshots of forex and tools.






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Snapshot 12 Forex rates on the ANZ bank website

The bank website also has the Financial Dictionary which is a unique tool to distinguish from

other banks. This dictionary contains the definitions and explanations of all the financial

terms. Here is a snapshot of it






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Snapshot 13 - Financial Dictionary on the ANZ bank website

ANZ Impact: is a software that is developed by ANZ for its customers to see the future

impact of their financial decisions. Its very effective and complete description is available on

web.






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Below is the Sugar Budget Planner calculator for the visitors on ANZ website.






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Snapshot 15- One of the calculator for Agriculture businessmen

13.Corporate:

ANZ is among the largest companies in Australia and New Zealand and also a major

Financial services and Banking group. ANZ includes in the top 50 banks in the world

and is the fourth largest bank in Australia. Its Headquarters are in Melbourne. The

Bank started functioning since 1835, and in Melbourne it started in 1838. (ANZ

History)

Its trading symbol in both Market ASX and NZX is ANZ. ANZ recorded profits of $3.7

Billion AUD in 2008 with revenue of $10 Billion AUD with a growth rate in revenue of

8.4%. (ANZ History)






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a. Mission Statement:

The Mission of the International Financial Risk Institute (IFRI, formerly IFCI)

is to provide opportunities for senior risk practitioners, especially the Chief

Risk Officers of the world's major financial institutions, to discuss and

exchange ideas on both the principles and the practical application of

financial risk management. The Institute thereby seeks to develop thought

leadership and provide learning opportunities by and for senior risk

professionals, with a view to enhance risk management best practice in the

financial industry as a whole

(ANZ Mission Statement)

b. Objectives:

To fulfill this Mission, the Institute has the following Four Objectives:

1) To provide confidential discussion forums for the most senior risk

representatives of its selective club of members to address topical,

complex, risk management issues.

2) To provide an occasional exchange platform for both IFRI members as well

as the wider community of risk management industry bodies to leverage

on the research and thought leadership work undertaken elsewhere






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3) To provide support to a selective network of the most senior risk

professionals so that they can easily exchange and benchmark ideas and

developments in risk management

4) To produce and distribute papers on topical risk management issues,

aiming to link academic excellence with the practical requirements of

workable solutions. These papers include academic research papers that

have been vetted and enriched by discussion with risk practitioners, as well

as shorter papers and articles for a wider distribution to the financial markets

and regulator (ANZ Mission Statement)

c. Hierarchy:

Composition of the board of directors of the ANZ Bank is

Board of Directors

Charles Goode Chairman

Michael Smith Chief Executive Officer

Our Board

Dr G J Clark Independent Non-Executive Director

Mr J K Ellis Independent Non-Executive Director

Mr P A F Hay Independent Non-Executive Director

Mr H Y Lee Independent Non-Executive Director

Mr I J Macfarlane, AC Independent Non-Executive Director






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Mr D E Meiklejohn Independent Non-Executive Director

Mr J P Morschel Independent Non-Executive Director

Ms A M Watkins Independent Non-Executive Director


To building a strong relation with investors the information presented by the ANZ is

transparent and is easy to access.

a. Share Price of the bank currently is $24.66, which is clearly mentioned on the

website along with the graph of the fluctuations of the shares.






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Snapshot 16- Shareholder's information on ANZ Bank Website

b.There are also many links available for the investors and easy access to th e financial

reports for the bank, with easy access of viewing and downloading in the pdf

version. Comparisons for analysts are also available with different tools and

information sets. See snapshot






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bel

Snapshot 17- Shareholder information link on ANZ Bank website

15.The website services, products, descriptions downloable materials are all available

online. But the major drawback comparatively with CWB website is the presentation

of their website. They had used more information then CWB but all the information

is clustered and over clapping.

16.Clicks:

Average Load time for www.anz.com is 4.125 seconds, 75% of the websites are

faster then this (Alexa Ranking). Their promotions are on the main page. Using flash

tools.






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17.Ranking

After checking through ALexa we have the following results on date 13-Oct 09

(Alexa Ranking)



Online since : 04-JUN-1996

More details on Ranking of ANZ Bank from the world

Australia 20

New Zealand 68

Vietnam 1790

Indonesia 7221

India 16127

UK 16889

China 24452

Japan 32536

US 39390

Users of ANZ Bank from around the world who visit the page






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(Alexa Ranking)

Which Link users go on ANZ.com

(Alexa Ranking)

Search Terms Driving Traffic

The keywords which brings the links of the ANZ Bank from search engines are






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(Alexa Ranking)

Demographics receive by Alexa for the Anz.com for the audience who visits the website are

(Alexa Ranking)

ST-George Bank






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St.George Bank is also competitor of Common Wealth Bank. We are focusing on its website

marketing using the same internet marketing 13Cs and some other marketing Factors

which we had focused on Common Wealth and ANZ. This banks website is being compared

with the CommBank, in every aspect to analyze its internet marketing. Lets starts with the

domain.

Domain:

St.George foundation brings association to their customers and many users who know

about it. We will describe it later in the report. Comparing to the Common Wealth Bank

name, its name is also long but still easy to remember.

The Domain is .au; the complete web address iswww.stgeorge.com.au

St.George uses its full name, for its marketing purposes and as well as for customers to easy

to remember.



users every hour (Sullivan, 2007). By putting the different Key words for St.George, we

found that, the

website is a sponsored in Google and comes on the first. Its easy to search St.George Bank.

Also the search items includes the complete list of links that are associated with the

St.George Bank website or other websites, like Yahoo Finance etc..




http://www.stgeorge.com.au/http://www.stgeorge.com.au/http://www.stgeorge.com.au/http://www.stgeorge.com.au/


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Snapshot 18-St.George Search Engine Result

13Cs and Marketing Factor Analysis:

1. Context:

When you open the website of the St.George bank, it gives you the strawberry red

color theme, which seems so nice as a first impression. The information seems to be

very neat and arranged. Also the major links are available on the first page of the

website. Just like in CWB website. The navigation seems to be very easy and

information is accessible. Minimum Click strategy has been used. Below is the

snapshot of the home page of the website.






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The layout of the website is very nice, and attractive. The layout is designed for the

user friendly purpose and allowing users and visitors to the easy access of

information to the web and links.

Snapshot 3- St.George Bank layout

The design of the Bank website is very standard, and the information is very well

presented. All the tabs are very beautifully arranged. Especially the flash features in them

allow the users to not click much and get the desire information or link by just scrolling over.

Providing the easy access to information and comfort level for the visitors.

The Search Option is on the top of the website and like other two websites its also very

effective and brings the best and relevant results on the screen. In fact the results this

website brings are more descriptive then CommBank and ANZ.






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2. Conventions:

The St.George bank is using the standardized layout . But has used the flash over

techniques in menus. For saving the users time who visit the website. As menus just

open by scrolling the mouse over rather clicking each button separately. This is very

effective for the website functionality


The St.George Bank is very much focused for the customers categorization. They

had break down their customer categories in to

a. Personal Customers






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6. Connection:

Site doesnt contain any RSS. The News letter and other information is optional. Thus

the visitors can come online to visit this site and access to the information. But the

subscription for the newsletter and other media activities is available for the

customers and also for the visitors through email. More over you can also send the

desire page to the friend by just clicking on the send it to a friend links on most of

the news and promotion pages.

7. Commerce:




has an account and an online banking activation through St.George Bank or any of its

subsidies, to transfer funds, receive funds, Online shopping etc. These activities are

common and are standardized.

8. Convergence:

Like CommBank the website of this bank can also be accessible only from the mobile

browsers who support html/xml. Many of the banks have purpose built websites for

mobile phones, especially smart phones and Iphones compatible. But like commbank

this website doesnt have any. It may be due to the customer demand etc.. Secondly

the site is enabled on the mobile that support xml and html. There is detail

documentation and descriptions available for any activity or service from this






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website.

9. Cross Promotions:

No data found for the cross promotions on this website. It may also be cross

promotes seasonally.

10.Compliance:

The website of St.George Bank is not focusing so much on the people with disability

but is available in two more languages which seems to be Greek and Thai.

11.Currency:

The bank deals in $ AUD. But doesnt contain tools and calculators like CommBank

which deals in forex and currency conversion etc..

12. Corporate:

St.George started operating in Australia after the merger of the two banks, The State bank of South

Australia and the saving Bank of South Australia in 1848. St George is now a subsidy of Westpac

Banking Corporation trading mostly in New South Wales (History - ST.George Bank)

St.George typically known as the more friendly and customer service oriented bank than the big

four banks operating in the Australia.

a. Mission Statement:

Good with People. Good with money.

(ST George Bank)

sily exchange and benchmark ideas and developments in risk management






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4) To produce and distribute papers on topical risk management issues,

aiming to link academic excellence with the practical requirements of

workable solutions. These papers include academic research papers that

have been vetted and enriched by discussion with risk practitioners, as well

as shorter papers and articles for a wider distribution to the financial markets

and regulator (ANZ Mission Statement)






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b. Hierarchy:

Composition of the board of directors of the St.george Bank is

Board of Directors






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JOHN CURTIS

Re-appointed Director and Chairman

of St.George Bank Limited on 1

December 2008.

GAIL KELLYAppointed Director of St.George Bank

Limited on 1 December 2008

LINDSAY MAXSTEDAppointed Director of St.George Bank

Limited on 1 December 2008

PETER HAWKINS

Re-appointed Director of St.George

Bank Limited on 1 December 2008.

Appointed Director of Westpac

Banking Corporation on 1 December

2008.

GREG BARTLETTAppointed Director of St.George Bank

Limited on 1 December 2008.


To building a strong relation with investors the information presented by the

St.George Bank is transparent and is easy to access but the information is not so vast

as on commbank and ANZ.






49/53


Comparison Page 49

14.The website services, products, descriptions downloable materials are all available

online. This bank website is more or like same as CWB website in effectiveness and

efficiency. They had used more information then CWB.

15.Clicks:

Average Load time forwww.stgeorge.au is 3.047 seconds, 62% of the websites are

faster than this (Alexa Ranking). There are no such promotions as flash or in video

form available on this website. This may be the reason for its faster loading time.

16.Ranking

After checking through ALexa we have the following results on date 13-Oct 09

(Alexa Ranking)



More details on Ranking of St.George Bank from the world

Australia 58

Thailand 7267

UK 20844

China 25038

USA 63127

Users of ST.George Bank from around the world who visit the page




http://www.stgeorge.au/http://www.stgeorge.au/http://www.stgeorge.au/http://www.stgeorge.au/


50/53


Comparison Page 50

(Alexa Ranking)

Which Link users go on stgeorge.au

(Alexa Ranking)

Search Terms Driving Traffic

The keywords which brings the links of the St.George Bank from search engines are






51/53


Comparison Page 51

(Alexa Ranking)

Demographics receive by Alexa for the stgeorge.au for the audience who visits the website

are

(Alexa Ranking)

Findings

After having a complete 13 C and marketing mix analysis of all the






52/53


Comparison Page 52

three banks, we can now conclude that Common Wealth Bank is best

in providing the best presentation of information and easy access for

their customers. CommBank website is designed most effectively for

the internet Marketing.






53/53


References

Alexa Ranking. (n.d.). Retrieved October 13, 2009, from Alexa - The web information

Company: http://www.alexa.com/siteinfo/commbank.com.au

ANZ History. (n.d.). Retrieved October 13, 2009, from ANZ: http://www.anz.com/about-

us/our-company/profile/facts/history/

ANZ History. (n.d.). Retrieved October 13, 2009, from Wikipedia:

http://en.wikipedia.org/wiki/Australia_and_New_Zealand_Banking_Group#Organisational_

structure

ANZ Mission Statement. (n.d.). Retrieved Ocotber 13, 2009, from ANZ Financial Information:

http://www.ifri.ch/publications/IFCI_AR2003_April20.pdf

GDP Australia - Economy. (n.d.). Retrieved Ocotber 13, 2009, from Economy Index Mundi:

http://www.indexmundi.com/australia/gdp_composition_by_sector.html

History - ST.George Bank. (n.d.). Retrieved October 13, 2009, from Wikipedia:

http://en.wikipedia.org/wiki/St._George_Bank

ST George Bank. (n.d.). Retrieved Ocotber 13, 2009, from St.George Bank Australia:

www.stgeorge.au

Sullivan, D. (2007, August 22). Nielsen NetRatings, Search Engine Ratings. Retrieved October

10, 2009, from SearchEngineWatch: http://searchenginewatch.com/2156451



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