Presented By Navdeep Kaur Brar (MBA-2A)

Chapter-I (Introduction)
Company Introduction

Founded Headquarters Key people Industry Products Operating Profit Profit before taxation Employees Website

--1853 -- London -- John Peace (Chairman) -- Banking Financial Services -- $15184 m (2009) -- $5151 m (2009) -- 77326 (2009) -- www.standardchartered.com

WHAT STANDARD CHARTERED STAND FOR??

Strategic Intent
Brand Promise Value

Approach

- Participation - Competitive Positioning - Customers - People - Communities

Standard chartered banking services

Personal Banking
Consumer Banking Wholesale Banking SME Banking Private Banking

Organisation chart of standard chartered

Chairman of Board ( John Peace )

Asia

Risk Mgt Rudy Mark ham

Jaspal Bindra

Whole sale Banki ng Mike Rees

C FO

Richar d Meddi ng

Peopl Prope rty, Assur ance Tim Miller

Secretary

Consumer Banking

HR

Anniemar ie Durbin)

Tracy Clark
Steve Bebertami ni

Organisation chart in case of branch

SWOT Analysis
1. Strengths:
Good and diverse product . Market position is strong . Maintain a strong as a leading cash management provider.

2. Weakness: Weak Human Resource Management . Have a fewer location .

Contd
3. Opportunities:
Scope of opening more Branches . Increasing Banking need. System is so transparent

4. Threat: Competition from major players like HSBC, CITIBANK.

financial analysis
It is the process of determining financial strength and weaknesses of the firm by establishing strategic relationship between the items of the balance sheet ,profit and losses account and other operative data.
Types of financial analysis On the basis of material used On the basis of method of operation

The banks selected for financial analysis are: HSBC Citibank Royal Bank of Scotland Standard Chartered

The ranking parameters

Growth
Size Strength

-Quality of assets -Productivity and Efficiency -Quality of earnings

Chapter -2 methodology

Research

Title of study Comparative Financial Analysis of Standard Chartered with selected Foreign Banks

CONTD
Objective of study
A Comparison between foreign banks on the basis of selected parameters

To Calculate important ratios

To Compare selected banks on the basis of these ratios

Contd
Research Methodology
1. Research Design: For this study design followed is

Descriptiv Research Design

Sampling Design Steps in Sample Design a) Universe-For the study universe is all banks operating in India . b) Population For the study population is all foreign banks operating in India .

CONTD For the study sample unit is one c) Sample Unit

foreign bank
d) Sample Size - For the study sample size is four foreign banks i.e Standard Chartered, HSBC, Citibank and RBS e) Sampling Technique For the study sampling technique is judgmental sampling .

Data collection
Collection of Secondary Data The data have been collected from secondary sources like internet and magazines .The annual reports have been collected from respective sites of banks.

Limitations of study
Only five years data is taken for the study.
The data for 2010 is not available for three banks i.e

comparison is not possible. Some more ratios can also be calculated. The research is only a mean but not an end. Limitation of time.

Chapter-4 DATA ANALYSIS AND INTERPRETATION

Chart no-4.1
80
% INCREASE IN DEPOSITS

Growth in deposits

70 60 50 40 30 20 10 0 -10 -20 YEARS 2006 2007 2008 2009 2010 Standard chartered HSBC Citibank RBS(ABN AMRO)

CHART NO-4.2 3-years Cagr of Deposits

3 YEARS CAGR OF TOTAL DEPOSITS
45 40 35 30 25 20 15 10 5 0 2006 2007 2008 YEARS 2009 2010

Standard Chartered HSBC Citibank RBS (ABN AMRO)

CAGR

Chart no-4.3 LOANS AND ADVANCES

growth IN

Chart no -4.4 3-YEAR CAGR OF LOANS AND ADVANCES

3 YEARS CAGR OF LOANS AND ADVANCES
60 50
CAGR

40 30 20 10 0 2006 2007 2008 YEARS 2009 2010

Standard Chartered HSBC Citibank RBS(ABN AMRO)

CHART NO -4.5 in fee income

Growth

Chart no-4.6 cagr of fee income

3-YEARS CAGR OF FEE INCOME
400 350 300 250 200 150 100 50 0 2006 2007 2008 YEARS 2009 2010

3-year

Standard Chartered HSBC Citibank RBS(ABN AMRO)

CAGR

Chart no -4.7 operating profit

growth in

GROWTH IN OPERATING PROFIT

%INCREASE IN OPERATING PROFIT

100 80 60 40 20 0 -20 2006 2007 2008 YEARS 2009 2010 Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.8 cagr of operating profit

3-year

3-YEAR CAGR OF OPERATING PROFIT

60 50

CAGR

40 30 20 10 0 2006 2007 2008 YEARS 2009 2010

Standard Chartered HSBC Citibank RBS(ABN AMRO)

Chart no-4.9

size of deposits
SIZE OF DEPOSITS

60,000.00 50,000.00
DEPOSITS

40,000.00 30,000.00 20,000.00 10,000.00 0.00 2006 2007 2008 YEARS 2009 2010

Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no -4.10 of operating profit

SIZE OF OPERATING PROFIT
6000

size

OPERATING PROFIT

5000 4000 3000 2000 1000 0 2006 2007 2008 YEARS 2009 2010 Standard Chartered HSBC Citibank RBS(ABN AMRO)

chart no- 4.11 balance sheet

SIZE OF BALANCE SHEET
120000

size of

BALANCE SHEET

100000 80000 60000 40000 20000 0 2006 2007 2008 2009 YEARS 2010 Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.14 growth ratio (%)

TOTAL NPA GROWTH RAtio (%)
% INCREASEIN NPA

total npa

10 8 6 4 2 0 2006 2007 2008 YEARS 2009 2010 Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no- 4.15 coverage ratio

NPA COVEREGE (%)
90 80 70 60 50 40 30 20 10 0 2006 2007 2008 YEARS 2009 2010

npa

Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.16 to net advances

3
net NPA/net advances (%)

net npa

2.5 2 1.5 1 0.5 0 2006 2007 2008 years 2009 2010 Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.17 income ratio

70 60
cost/income ratio

cost to

50 40 30 20 10 0 2006 2007 2008 years 2009 2010

Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no 4.18 asset ratio

cost to avg

5 4.5 4 3.5 3 2.5 2 1.5 1 0.5 0 2006 2007 2008 YEARS 2009 2010

COST/AVG.ASSET RATIO

Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.19 employee

OPERATING PROFIT/EMPLOYEE

operating profit per

1.2 1 0.8 0.6 0.4 0.2 0 2006 2007 2008 years 2009 2010 Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.20 return on assets (basis point

CHANGE IN RETURN ON ASSETS (BASIS POINTS)
0.01 0.008 0.006 0.004 0.002 0 -0.002 -0.004 -0.006 -0.008 YEARS 2006 2007 2008 2009 2010

change in

Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.21 in operating profit to total income(%)

40
INCREASE IN OPERATING PROFITS/TOTAL INCOME

increase

30 20 10 0 -10 -20 -30 YEARS 2006 2007 2008 2009 2010 Standard Chartered HSBC Citibank RBS (ABN AMRO)

chart no- 4.22 asset(%)

2.5 2 1.5 1 0.5 0 2006 2007 2008 YEARS 2009 2010

return on

Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.23 income to total income (%)

FEE INCOME/TOTAL INCOME (%)

fee

35 30 25 20 15 10 5 0 2006 2007 2008 YEARS 2009 2010 Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.24 capital employed (%)

35 30
ROCE (%)

return on

25 20 15 10 5 0 2006 2007 2008 YEARS 2009 2010

Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.26 adequacy ratio

CAPITAL ADEQUACY RATIO (%)

capital

18 16 14 12 10 8 6 4 2 0 2006 2007 2008 YEARS 2009 2010 Standard Chartered HSBC Citibank RBS (ABN AMRO)

Chart no-4.27 banks in 2006

4.5 4 3.5 3

ranking of

RANK

2.5 2 1.5 1 0.5 0 STANDARD CHARTERED HSBC CITIBANK BANKS ABN AMRO (RBS)

2006

Chart no-4.28 banks in 2007

4.5 4 3.5 3

Ranking of

RANK

2.5 2 1.5 1 0.5 0 HSBC ABN AMRO(RBS) STANDARD CHARTERED CITIBANK

2007

BANKS

Chart no-4.29 banks n 2008

4.5 4 3.5 3 2.5 2 1.5 1 0.5 0 CITIBANK HSBC STANDARD CHARTERED BANKS

ranking of

RANKS

2008

ABN AMRO(RBS)

Chart no-4.30 of banks in 2009

4.5 4 3.5 3
RANK

ranking

2.5 2 1.5 1 0.5 0 CITIBANK HSBC STANDARD CHARTERED BANKS RBS(ABN AMRO)

2009

Chapter -5

results and findings

Standard chartered growth in deposits , advances , fee income

and operating profit are decreasing in every year. Citibank and HSBC are growing in term of deposits , advances , fee income and operating profit Due to increase growth , size of Citibank, HSBC is increasing. Standard Chartered has good quality of assets as its NPAs growth rate and total share of NPAs in total advances are lowest Citibank and HSBC shows high efficiency and productivity.

Contd.
Standard Chartered shows highest quality of earning . Standard Chartered shows lowest capital adequacy ratio as compared with other banks . Overall Citibank and HSBC performing better than Standard Chartered and RBS.

Suggestions
Standard Chartered and RBS needs to improve its growth in

terms of deposits, advances, fee income and operating profit. Citibank and HSBC needs to lower down NPAs growth rate . Standard Chartered needs to lower down its cost and improve productivity of labor. Citibank and RBS needs to improve its quality of earning. Standard Chartered needs to improve capital adequacy ratio. Overall RBS needs improvements in all parameters.

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