Standard Chartered Bank

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:


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


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


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)


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)


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)


Table no-4.10

Mode of payment of credit card bills

Payment of Credit cards


EMI’s 8 (47) 9 (45)One time premium 9 (53) 11 (55)


Table no-4.11

Type of insurance policy customers have

Type of insurance policy


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

Standard Chartered Bank

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