standard chartered bank
DESCRIPTION
Training Project pptTRANSCRIPT
PRESENTATION ON SIX – WEEKS INDUSTRIAL
TRAINING AT STANDARD CHARTERED BANK
Presented By:Harpreet KaurMBA 2A
Chapter-I (Introduction)
Company Introduction
Founded --1853 Headquarters -- London Key people -- John Peace (Chairman) Industry -- Banking Products -- Financial Services Operating Profit -- $15184 m (2009) Profit before taxation -- $5151 m (2009) Employees -- 77326 (2009)
Contd..
Branches - 1700 (world)
- 90 (India)
- 3 (Punjab) Head quarters in India - Mumbai CEO in India - Neeraj Swaroop
Standard Chartered Banking Services
Consumer Banking
Wholesale Banking
SME Banking
Private Banking
DIFFERENT PRODUCT AND SERVICES OF STANDARD CHARTERED BANK IN
RETAIL BANKING
PERSONAL BANKING
Saving accounts
Current accounts
Demat accounts
Corporate salary account
CREDIT BANKING
Personal loans
Housing loans
Vehicle or Automobile Loan
Education loans
Gold loans
Overdraft
contd..
INVESTMENTS
Insurance
Mutual Funds
Forex Exchange
NRE NRO FNCR
NRI Accounts
Other services
Phone or Mobile banking
Net banking
Atm services
NEFT(national electronic fund
transfer
RTGS(real time
gross settlemen
t)
Asia
Jaspal Bindra
Asia
Jaspal Bindra
Risk Mgt
Rudy Markham
Risk Mgt
Rudy Markham
Wholesale Banking Mike Rees
Wholesale Banking Mike Rees
C FO
Richard Medding
C FO
Richard Medding
PeoplProperty,Assurance
Tim Miller
PeoplProperty,Assurance
Tim Miller
Secretary
Anniemarie Durbin)
Secretary
Anniemarie Durbin)
Consumer Banking
Steve Bebertamini
Consumer Banking
Steve Bebertamini
H R
Tracy Clark
H R
Tracy Clark
Chairman of Board( John Peace )
Chairman of Board( John Peace )
Organisation chart of standard chartered
Organisation chart in case of branch
SWOT Analysis
STRENGTHS
Market position is srong.
Maintain a position as a leading Cash Management provider.
One of the most profitable MNC in India.
WEAKNESSES
Gaps in human resource management.
Have fewer locations.
Service delivery reception is weak.
contd…
OPPORTUNITIESBranch expansion for rapid growth.
Working upon strategies for better
returns.
THREAT
HSBC ,Citi Financial,RBS,Deutsche Bank are dominant players.
Competitive products and offers from
ICICI,HDFC and AXIX
bank.
BANKING RATIOS
Return on Equity = Net Income
Shareholder’s equity
Ratio March,
2010
March,
2009
March,
2008
March,
2007
Return on
equity (%)
18.33 18.55 20.35 23.51
Table 5.1
contd…
Return on Assets = Net Operating Income
Total Assets
Ratio March,
2010
March,
2009
March,
2008
March,
2007
Return on
Assets (%)
4.8 3.8 4.1 3.96
Table 5.2
contd…
Shareholder’s equity to assets =
Shareholder’s equity
Total Assets
Ratio March,
2010
March,
2009
March,
2008
March,
2007
Shareholder’s
equity to assets
(%)
12.9 10.5 11.39 9.85
Table 5.3
contd…
Loans to Assets = Loans
Total assets
Ratio March,
2010
March,
2009
March,
2008
March,
2007
Loans to
Assets (%)
46.39 38.48 45.41 51.11
Table 5.5
Trend analysis
EPS (Earning Per Share) =
Profit after interest and tax
No. of equity shares
March,2010 March,2009 March,2008 March,20070
20
40
60
80
100
120
140124
112
100 100
Trend in EPS(%)
Trend in EPS(%)
Fig 6.1
contd…
Trend of Net Profit:
March,2010 March,2009 March,2008 March,20070
20
40
60
80
100
120
140
160
180
155
139
125
100
Trend in Net Profit(%)
Trend in Net Profit(%)
Fig 6.2
contd…
Trend in Interest Earned
March,2010 March,2009 March,2008 March,20070
20
40
60
80
100
120
140
160
140 139
120
100
Trend in Interest Earned(%)
Trend in Interest Earned(%)
Fig 6.3
Contd… Trend in Interest Expended
March,2010 March,2009 March,2008 March,20070
20
40
60
80
100
120
140
160
130139
125
100
Trend in Interest Expended (%)
Trend in Interest Expended (%)
Fig 6.4
Introduction of Project
Project Title
Comparative Analysis of Standard Chartered Bank and
HSBC on Retail Banking Services
Retail Banking
Retail banking refers to banking in which banking institutions execute transactions directly with consumers, rather than corporations or other banks. Services offered include: savings and checking accounts, mortgages, personal loans, debit cards, credit cards, and so forth.
Objectives of Study
To compare the Retail Banking services of
Standard Chartered And HSBC.
To check the awareness level of customers.
To study the level of satisfaction of customers.
Research MethodologyUniverse :- All the respondents who are taking Retail banking services and are customers of Standard Chartered or HSBC throughout the world
Population:- The population of the study consisted of all the
customers of Standard chartered bank or HSBC in India
particularly in Ludhiana city.
Sample size :-100 respondents. The sample size consists of N1
and N2.N1 is sample size of HSBC and N2 is sample size of
Standard Chartered.
Sample Unit:- The sample unit for the study is
every single person who is the
customer of Standard
Chartered or HSBC and is respondent of
study.
Data Collection
Primary
Secondary
Data Analysis And Interpretation
Dealings with Banks
Banks Responses
Hsbc 50 (50)
Standard Chartered 50 (50)
*Figure in the parenthesis indicates percentage N1=50N2=50
Table no-4.3
No. of years of association with banks
Years associated Responses of Hsbc Responses of Standard chartered
1-2 years 12 (24) 10 (20)
2-3 years 11 (22) 13 (26)
3-4 years 12 (24) 13 (26)
More than 4 years 15 (30) 14 (28)
*Figure in the parenthesis indicates percentage
N1=50N2=50
Table no-4.4
Services availed by customers
Services No of respondents of HSBC
No of respondents of Standard Chartered
Savings and banking 43 39Debit cards 31 23Credit cards 17 20 Insurance/Investment 22 21E-banking and related services
19 20
*Multiple responses N1=50N2=50
Table no-4.5
Degree of awareness among customers regarding services
Services Responses of Hsbc (mean)
Responses of Standard chartered (mean)
Savings an banking 4.04 3.18Debit cards 3.38 3.28Credit cards 2.78 2.96Insurance/Investment 2.58 2.70E-banking and related services
2.98 2.98
N1=50N2=50
Table no-4.6
Type of account in the bank
Type of account Respondents of Hsbc
Respondents of Standard chartered
Savings account 26 (60) 24 (62)Current account 6 (14) 6 (15)Corporate salary account
7 (16) 6 (15)
Demat account 4 (10) 3 (8)
*Figure in the parenthesis indicates percentageN1=43 N2=39
Table no-4.7
Usage of ATM by customers
Usage of ATM Responses of Hsbc Responses of Standard chartered
Never 22 (44) 20 (40)
Weekly 16 (32) 17 (34)
Monthly 12 (24) 13 (26)
*Figure in the parenthesis indicates percentage N1=50N2=50
Table no-4.8
Problems faced by customers while using ATM
Problem in using ATM
Responses of Hsbc Responses of Standard chartered
ATM is not working 2 (7) 2 (9)Card arrested by machine
3 ( 11) 1 (5)
Shabby area 0 0No money in the machine
3 (11) 5 (22)
Any other problem 2 (7) 1 (5)No problem 18 (64) 13 (59)
*Figure in the parenthesis indicates percentage N1=28N2=29
Table no-4.9
Type of Credit Cards used
Type of credit card Responses of Hsbc Responses of Standard chartered
Platinum 10 (78) 14 (70)
Gold 6 (16) 4 (20)
Classic 1 (6) 2 (10)
*Figure in the parenthesis indicates percentage N1=17N2=20
Table no-4.10
Mode of payment of credit card bills
Payment of Credit cards
Responses of Hsbc Responses of Standard chartered
EMI’s 8 (47) 9 (45)One time premium 9 (53) 11 (55)
*Figure in the parenthesis indicates percentage N1=17N2=20
Table no-4.11
Type of insurance policy customers have
Type of insurance policy
Responses of Hsbc Responses of Standard chartered
Life insurance 17 18 General insurance 6 5 Health insurance 6 9 Personal insurance 7 6
* Multiple Responses N1=22N2=21
Table no-4.12
Mode of payment of premium of insurance policy
Mode of payment Responses of Hsbc Responses of Standard chartered
Monthly 0 2 (9)
Quarterly 5 (23) 6 (28)
Half yearly 10 (45) 8 (38)
Yearly 7 (32) 5 (25)*Figure in the parenthesis indicates percentage N1=22
N2=21
Table no-4.13
Level of satisfaction
Services Responses of HSBC (mean)
Response of Standard chartered (mean)
Savings and banking 3.95 3.81Debit cards 3.68 3.50Credit cards 3.27 2.86Insurance/Investments
2.91 2.89
E banking and related services
4.16 3.68
N1=50N2=50
Table no-4.14
Finding And Suggestions
The respondents of HSBC are more satisfied from saving and banking services, debit cards and e-banking services, while respondents of
standard chartered are more satisfied with credit cards and insurance returns.
Conclusion
Thanks