ppt on banking.ppt

8/21/2019 Ppt on Banking.ppt

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Basic Defnition: A system o tradingmoney which:

provides a sae place to save excesscash, known as deposits.

supplies liuidity to the economy !yloaning this money out to help!usinesses grow and to allowconsumers to purchase consumerproducts, homes, cars etc.



"nstitutions which deal in money andcredit.

An intermediary, which handles otherpeople#s money !oth or theiradvantage and to its own profts.

A fnancial institution that links the $ow

o unds rom savers to the users.%lays an important role in the economy

o any country as they hold the savingo the pu!lic.



& Central Bank: 'he (eserve Bank o "ndia isthe central Bank that is ully owned !y the)overnment

& Public Sector Banks: State BankGroup, (egional rural !anks

& Private Sector Banks: *oreign Banks,+cheduled and on- +cheduled Banks

& Co-operative Sector: +tate o-operativeBanks, entral o-operative Banks, %rimaryAgriculture redit +ocieties

& Development Banks/FinancialInstitutions: "DB", """, ABA(D



"ssue o !anknotes /promissory notesissued !y a !anker and paya!le to !eareron demand0

%rocessing o payments !y way otelegraphic transer, 1*'%2+, internet!anking or other means

"ssuing !ank drats and !ank cheues Accepting money on term deposit 3ending money !y way o overdrat,

installment loan or otherwise



%roviding documentary and stand!y letters ocredit /trade fnance0, guarantees, perormance!onds, securities underwriting commitments andother orms o o4-!alance sheet exposures

+aekeeping o documents and other items insae deposit !oxes

urrency exchange

Acting as a 5fnancial supermarket5 or the sale,distri!ution or !rokerage, with or without advice,o insurance, unit trusts and similar fnancialproducts



"ssue o money, in the orm o!anknotes and current accounts

su!6ect to cheue or payment at thecustomer5s order.etting and settlement o payments.redit intermediationredit uality improvement7aturity transormation



8Bank marketing is the aggregate ounctions, directed at providing

services to satisy customersfnancial /and other related0 needsand wants, more e4ectively ande9ciently than the competitors

keeping in view the organiationalo!6ectives o the !ank.;



'he existence o the !ank has little valuewithout the existence o the customer.

Aim is not only to create and win moreand more customer !ut also to retain

them through e4ective customer service.Appropriate promise to a customer

through a range o services /products0and also to ensure e4ective deliverythrough satisaction is important.



"dentiying the most profta!lemarkets now and in uture<

Assessing the present and utureneeds o customers<

+etting !usiness development goalsand making plans to meet them

7anaging the various services and

promoting them to achieve the plansAdapting to a changing environment

in the market place.



Designed ater taking into account thestrengths and weaknesses o the organiation.

!ank with clientele rom various segments

could think o 8market penetration; !yo4ering the existing range o services toexisting customers.

Bank which are not acing acute competitioncould think o 87arket Development; !y

o4ering the existing services to newcustomers.

design new product range or their customerso various segments



& =ow the seller#s determines which!uyer#s characteristics produce the!est partitioning o the particular

market>

& 'he seller does not want to treat allcustomers alike nor does he want totreat them all di4erently



Banks deal with individuals, group opersons and corporates

7ore or less homogenous groups interms o their needs andexpectations.

7arket segments, targeting one or

more segments, developing productsand marketing programs tailor-madeor these segments.



Agricultural Sector1 !arginal" " to # acres$ # to 1% acres& 1% acres an' above

In'ustrial Sector1 (in)" Co-operative$ Small-si*e'& +arge- si*e'



+ervices +ector =ousehold +ector

?. 7arginal@. 3ow "ncome. 7iddle "ncome. =igh "ncome



7arket 'argeting in which eachsegment#s attractiveness is

measured and a target segment ischosen !ased on its attractiveness.%ositioning which is the act o

esta!lishing a via!le competitiveposition o the frm and its o4er inthe target segment chosen.



consists o usual our C%s# o %roduct,%rice, %lace and %romotion omarketing mix

Pro'uct: 'he products o4ered are theservices which includes various typeso !ank accounts, di4erent types o

loans, investment services, reditcards, Demat accounts, online !anking,mo!ile !anking and many more.



Buyers look or satisaction whichdi4ers rom person to person.

eeping in view the level osatisaction o a particular segment,

the !anks have to rame the pricingstrategies.

'he interest charged and the interestpaid should have a co-relation!etween them.



"t reers to the esta!lishment andunctioning o a network o !ranches andother o9ces through which !anking

services are delivered.2!6ective is to get the right product ,at

right places at right time at the least cost.1xtensive !ranch network- access to large

section o people%roximity may play a determinant role in

selecting the !ank.



Banks are coming up with extensioncounters, specialied !ranches, mo!ile!ranches, !anks acuisition andamalgamation so as to have su9cient

point o contacts with the customer.Eith the advent o technology otherpoint o contacts have come up. +uch as:

A'7 'elephone !anking2nline !anking7o!ile !anking Fideo !anking etc.



Advertising

%u!licity

+ales %romotion

%ersonal +elling

%ush and %ull +trategies



"t involves the people,#t- P. o the!ank i.e. the employees.

1mployees should also !e treated asinternal customers, and sort omarketing mix should !e ollowed.

Guality =uman resource can !e a

point o di4erentiation



'he uality o service providedduring the !uyer-employee

interaction.14orts or previous strategies willturn utile i the interaction does nottakes place satisactorily.

"t involves :Process ,t- P.P)sical evi'ence ,0t- P.



(eers to the systems used to assist theorganiation in delivering the service.

Aids to the promotion o customersatisaction

"t involves:speeding delivery o servicesreducing the paper work

standardiation o procedures customiation as per individual demand

simplicity etc.



"t includes signage, reports, punch lines, othertangi!les, employee#s dress code etc.

'he company#s fnancial reports are issued to

the customers to emphasis or credi!ility. +ignage: 1ach and every !ank has its logo !y

which a person can identiy the company. "tcreates visualiation and corporate identity orthe !anks.

'angi!les: !anks give pens, writing pads to thecustomers.

%unch lines: Depicts the philosophy and attitudeo the !ank. Banks have in$uential punch linesto attract the customers.



(eerral services

Direct mailing old calling 24ering items having your !rand identity Hsing the media )etting cele!rities to endorse the product or service.

+ponsoring events

Hsing permission-!ased 7arketing



(ecommendation o 'alwar#s committee,?IJK: 1sta!lishment o customer service

committeeLsta4 committee in the every ranch.

ustomer meets to !e held at the !ranches atleast once in a hal year.

?Kth o every month /next day i ?Kth is aholiday0 to !e o!served as customer#s day at

!ranches and administrative o9ces. %rovision o complaint-cum-suggestion !ox inevery !ranch.



%rovision o !a) I elp )ou2 counter in!ranches.

"mmediate credit o cheues up to(s.@,KMM which has since !een increased

to (s.?K,MMM. %ayment o penal interest in case o delay

o collection o cheues. "n the year ?IIK CBanking 3mbu'sman#

was esta!lished !y (B" with o!6ective oresolving customer grievances in a uickand inexpensive manner.



*ollows 4%-"% Parato principalBankers need to understand the rural

psychology

1mploying local literate youth orconfdence !uildingBanker must !e aware o agriculture

aspects, cultural and communalaspects, institutional acilities etc.

%rocess o change should !e known tohim

+tatus o various development plansshould !e known



5:(etail Business or (ural ommunityAs

/onsumer N %roducer0

6: Hr!an acilities, "nvestment,"nrastructure

5: Animal =us!andry N Allied ActivitiesA: Agri %roduction/*ield rops,

%lantation0+: 3inkages N +ynergy



=orticulture, %lantation, Fegeta!legrowing, *loriculture, aromatic andmedicinal plants, Bio-diesel plants etc.

or high investment 2pportunities%ost =arvest and *ood %rocessing+eed 7ultiplication N %rocessingDairy *arming, +ericulture, Aua-

ulture N 2thers. "rrigation %ro6ects N Easteland

Developments.(ural 'ourism N 2ther emerging areas.



In'ustrial Cre'it an' Investmentcorporation o7 In'ia bank - largestprivate sector !ank in market

capitaliation+econd largest overall in terms o

assets.

largest issuer o credit cards in "ndia



Pro'uct : +aving account: o4ers a power

packed +avings Account with a hosto convenient eatures and !ankingchannels to transact through.

+enior citien services: convenience

with !enefts *ixed Deposits : +aety, *lexi!ility,

3iuidity and (eturns



5ecurring Deposits: A4orda!ility and higherearnings.

5oaming Current: access your accounts atover KMM networked !ranches across the country.

+oans: =ome 3oans. %ersonal 3oans. ar 3oans,

two Eheeler 3oans, ommercial Fehicle 3oans.3oans against +ecurities, educational loans etc Investments: """ Bank 'ax +aving ,*oreign

1xchange +ervices, +enior itiens +avings+cheme, @MM.

Car's: Cre'it car'8 A(! car'8 travelers car' Demat services 3nline mone) trans7er !obile banking



Pricing?. %ricing Decisions related to interest,

ee or commission.

@. (B" and "BA

. (aising um!er o ustomers

. @ *old +trategies



Place?. +ervices are sold through !ranches

@. 7aking %romised +ervices availa!leto the ultimate users.

. Branches 2* """: ?IMM in "ndia and in 7um!ai.



Promotion?. Advertising - 'elevision, radio, movies, theatres@. %rint 7edia- =oardings, newspaper, magaines

. %u!licity- (oad shows, campus visits, sandwichman, +ponsorship

. +ales %romotion- )its, discount andcommission, incentives, etc.

K. %ersonal +elling- ross-sale /selling atcompetitors place0, personalied service

O. 'elemarketing- """ one source all center/mind space0



Process1 Stan'ar'i*ation- """ !ank has got

standardied procedures got typical transactions

" Customi*ation- +pecialty counters at each!ranch to deal with customers o a particularscheme

$ Simplicit)- +eparate counters exist with clearindication

. Customer Involvement- 7oney matters andsignature



P)sical 9vi'ence1 Signage

" Financial 5eports- 'he ompany#s fnancial reports

are issued to the customers to emphasis orcredi!ility

$ (angibles- %ens, Eriting %ads to the internalcustomers. %ass!ook and heue !ooks to thecustomers.

& Punc lines- 8=um =ai aa;

K. 9mplo)ee2s Dress Co'e- """ !ank ollows adress code or their internal customers



People?. All people directly or indirectly involved

in the consumption o !anking services.

@. Eorkers, 1mployees, 7anagement andother onsumers

. 1mployees o a Bank represents the

organiation to its customers.. "nternal 7arketing



'=A P2H

ppt on banking.ppt

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