PRODUCT PROFILE

KEY PRODUCTS:

PERSONAL LOAN
HOME LOAN

SALES FINANCE

INSURANCE AND CREDIT SHIELD

 TYPES OF PERSONAL LOAN
 PL.

 PL Plus.

 PL Ultima.
 CROSS SELLING
35
30
25
20 LOAN
DISBURSED
15
INSURANCE
10
5
0
JUNE JULY
 Citifinancial v/s competitors
The BCG product portfolio Matrix:
LEARNINGS FROM THE PROJECT
 IMPORTANCE OF PLANNING

 TEAM WORK

 BUILDING CUSTOMER RELATIONSHIPS

 TARGET ACHIEVEMENT

 ROLE OF MICROMARKETING IN SALES

 SWOT ANALYSIS
Strength
 Superior & differentiated products
 Focus on loans only
 Target customers
 Brand name
 Location of the business
 Imparting good product knowledge to the
sales team
Market leader
PL share in Chandigarh

10%
12%
38%

21%
19%

Citifinancial SBI ICICI GE money OTHERS

Weakness
 High rate of interest

 Lesser awareness of brand

 No mass media advertisement

 Areas under restriction

 Misunderstand Citifinancial for Citibank

Opportunities

 Exploring new markets -1

 Thoughts of Joint Ventures -2

 Expansion of the criterion basket -3

 Existence of a weak market player -4

Threats

 Price war -2

 Government regulations -4

 Loss of market share -1

2+4+1=7pts.
 Opportunity Matrix

Success Probability
HIGH
LOW

A
T
T HIGH 1 2
R
A
C
T
I
V
E 3 4
N LOW
E
S
S

1+2+3+4=10 pts.
 Threat Matrix

Probability of Occurrence
HIGH LOW

S
E
R HIGH
1 2
I
O
U
S
N LOW 3 4
E
S
S
 Suggestions
 Reduction in ROI charged

 Resolving issues of DST

 Promotional activities

 Expanding the criterion basket

 BIBILOGRAPHY
 www.citigroup.com

 www.citifinancial.co.in

 www.citifinancial.ca

 CitiFinancial product profile-march2006

 Business policy and strategic management –P.K.Ghosh

THANKYOU