The topic “Role of Indian Vs. MNC banks” is quite wide.

Each category of bank has its own

role.

MNC banks, by virtue of their wider expertise, bigger capital size and global presence are
capable to offer newer and wider range of products to customers with higher service standards.

Indian banks have a large geographical reach in India and better understanding of ground level
realities.

Customers moving from one bank to another (or from one category of banks to another) is a
matter of exercising choice for reasons of better products, service etc

Foreign Banks In India

ABN-AMRO Bank  |  Abu Dhabi Commercial Bank  |  Bank of Ceylon  |  BNP Paribas Bank  |
Citi Bank  |  China Trust Commercial Bank  |  Deutsche Bank  |  HSBC  |  JPMorgan Chase
Bank  |  Standard Chartered Bank  |  Scotia Bank  |  Taib Bank

ABN- AMRO BANK

More than 3,400 branches in 70+ countries, the 1991 merger Algemene Bank Nederland and
Amsterdam Rotterdam Bank had a long-standing presence in India since 1920 in Kolkata known
traditionally as a strong "diamond financing bank". ABN AMRO Bank India started functioning
in 1991 in Delhi and till date it has branches in Chennai, Pune, Baroda, Hyderabad, Bangalore
and Noida servicing multiproduct relationship with customers. It formed AA Securities [I] Pvt.
Ltd. in September 1998.

Abn Amro Bank is among the top 10 banks in the world in size and strength with assets over
US$504 and an AA credit rating. In more than 320 cities, it is having over 1,00,000 well
qualified staffs.

The services of Abn Amro Bank is organised globally in three business lines:

 Wholesale Clients
 Consumer & Commercial Clients
 Private Clients & Asset Management

ABN AMRO Bank in India enjoys a strong image as a corporate bank with comprehensive
Global Transaction Services. The investment banking services of the bank is delivered through
ABN AMRO (India) Corporate Finance and the Global Financial Market Teams which strive to
maintain the permanent position in the marketplace.

ABN AMRO India Bank has launched its Private Banking Services in the country offering a
comprehensive range of high quality Portfolio Advisory Services along with a comprehensive
transaction execution platform, complemented by personalised Banking and custodial services.
It has also launched its microfinance program. The program is aimed at delivering credit to the
poor women of India, especially in the rural areas, through Microfinance Institutions (MFIs).

The Mission

"The mission of ABN AMRO Bank is to create maximum economic value for our shareholders
through a constant relationship focus on the financial services needs of our chosen client segments
and a strict adherence to our financial targets. We are operating in three principal customer
segments, whereby the objective is to maximise the value of each of these businesses as well as
the synergies between them. Excellence of service to our clients and leadership in our chosen
markets are of paramount importance to our long-term success. The Bank's corporate values play
an integral role in the fulfilment of our mission."

The Achievements of ABN AMRO Bank

 "Best at Cash Management Award in September 2001" - The Banker

 Corporate Finance India : Ranked Second in M&A in the Investment Banking arena in
2001 - Economic Times.

 ABN AMRO Securities India : Best Foreign Bond House; No 1 Arranger in Private
Sector: Euromoney 2000.

 Top Bank on "Management Quality" parameter: Business India 'Best Banks Survey
2000'.

 7th Most Admired Commercial Bank in the World: Fortune Magazine, 2000.

 Top Foreign Bank in India: Economic Times - CMIE survey 1999.

 Second overall in Banking Industry: Financial Express - BRIS survey 1999.

ABN AMRO Private Equity (AAPE)

ABN AMRO Private Equity (AAPE) is one of the leading venture capital firms in the Midwest.
Abn Amro Private Equity is headquartered in Chicago with over $300 million of capital under
management. ABN AMRO Private Equity invests up to $10 million in privately-held companies.
It focuses its investments in four broad industries i.e., business services, communications,
information technology and healthcare services. Specific target markets within these broad
industry segments include B2B electronic commerce, traditional and e-business services,
communications services and infrastructure, Internet applications, and traditional and e-health
companies.

ABN AMRO Credit Cards

Abn Amro India provides two types of credit cards to its customers. One is Abn Amro Freedom
Credi Card and the other is Abn Amro Smart Gold Card. The credit card consists of package of
offers and discounts along with insurances.

ABN AMRO Bank Offices

Head Office:
Amsterdam, The Netherlands

Consumer Clients:
ABN AMRO Bank N.V.
Hansalaya Building
15, Barakhamba Road
New Delhi 110001
Telephone: +91 11 2370 2555
E-mail: in.marketing@in.abnamro.com

Commercial Clients:
ABN AMRO Bank N.V.
DLF Centre
Sansad Marg
New Delhi 110001
Telephone: 91 11 2375 5130
E-mail: in.marketing@in.abnamro.com

Wholesale Clients:
ABN AMRO Bank N.V.
Sakhar Bhavan, 4th floor
Nariman Point
Mumbai 400 021
Telephone: +91 22 56372401
E-mail: in.marketing@in.abnamro.com

Private Clients:
ABN AMRO Bank N.V.
Sakhar Bhavan
Nariman Point
Mumbai 400 021
Telephone: +91 22 2281 8008 Ext. 2025 to 2029
E-mail: in.marketing@in.abnamro.com

Asset Management:
ABN AMRO Asset Management (India) Ltd.
101, Sakhar Bhavan, 10th floor
Nariman Point
Mumbai 400 021
Telephone: +91 22 5656 3841
Internet: www.asset.abnamro.com

Abn Amro India Website

www.abnamro.co.in

The History

King Willem-I issued a royal decree on 29th of March 1824 creating Nederlandsche Handel-
Maatschappij (NHM) aiming to revive trade between the Netherlands and the Dutch East Indies.
NHM merged with De Twentsche Bank in 1964 to form Algemene Bank Nederland (ABN).
Amsterdamsche Bank and Rotterdamsche Bank joined to become Amsterdam Rotterdam (Amro)
Bank. Both the banks merged in 1991 as ABN AMRO Bank.

CITI BANK INDIA

 Truth in Lending
 Superior Products and Services
 Quick and Transparent Credit Decisions
 Lending is not a transaction, but a relationship
 Custodian of Public Funds

Citibank online banking

With citibank online banking one can enjoy the following services from anywhere in the world.
For citibank online banking one has to log on to www.citibank.co.in

 Redeem your rewards points

 Pay Bills Online
 Send Demand Draft anywhere in India
 Get statements by e-mail
 Register for Instant alerts
 Mobile Banking
 Citibank online Security Tips

Citibank Suvidah

With the Citibank Suvidah Account, one can get the following benefits:

 Shop n' win Rewards

 Secure your child's future
  Instant cash upto thrice your salary
 Get rewarded for your account

Citibank Suvidha Account Holders holds over 150,000 highly tech-savvy Account Holders from
Bangalore, Mumbai and Delhi alone.

Citibank Cards

Citibank cards are available in a range of flexible and personalized credit and charge that can be
managed online. Undermentioned are few types of Citibank Credit Cards in India.

 MTV Citibank Card

 IndianOil Citibank Card
 Citibank Silver International Card
 CRY Card
 WWF Card
 Times Card
 Citibank Cricket Visa Card

Citibank Direct

The Citibank Direct Current Account pays 4.59% AER (4.50% gross). The Citibank Direct is
one of the best rates on the market, with no strings attached. No minimum deposit is required for
Citibank Direct and no need to pay in ones salary. A minimum annual income of £15,000 is
required to open Citibank Direct Account. A chequebook and automatic overdraft facility are not
available in Citibank Direct. Moreover Citibank Direct Account is easy to manage.

Citibank NRI

Citibank NRI holds over 160,000 Citibank NRI Account. Citibank NRI Account Holders, holds a
minimum balance of Rs. 10 lakhs. Citibank NRI is voted as the most preferred bank of the NRIs.

Citibank South Asia

Singapore Office:

Hock Kern Chua, Country Sales Manager

PROGRESS SOFTWARE CORP (S) PTE. LTD.
No. 1 International Business Park
#03-11 The Synergy
Singapore 609917

Tel: 65 563 1500

Fax: 65 563 1511

Malaysia Office:
Mr. Kah-Khoi Leong, Country Sales Manager
PROGRESS SOFTWARE (M) SDN BHD
Level 36, Menara Citibank
165 Jalan Ampang
50450 Kuala Lumpur
Malaysia

Tel: (603) 2169-6180

Fax: (603) 2169-6168

Citibank Websites

Global : www.citigroup.com
www.citi.com
Singapore www.citibank.com.sg
:
Belgium : www.citibank.be
UK : www.citibank.co.uk
Australia : www.citibank.com.au
US : www.citibank.com/us
Malaysia : www.citibank.com.my
India : www.online.citibank.co.in/

Deutsche Bank

Deutsche Bank

was established in the year 1870 in Berlin, Germany. It was founded to transact banking business
of all kinds. It had in view to facilitate trade relations between Germany and all other European
countries, and overseas markets.

The Bank is one of the leading worldwide financial service

providers with its presence in 74 countries. Its approximate assets is EURO 840 billion.

It ranks to be global leaders in Corporate Banking

and Securities, Transaction Banking, Asset Management & Private Wealth Management. It has a
significant Retail Banking franchise in Germany and other selected countries in Continental
Europe.

Deutsche Bank Products and Services

Corporate and Investment Banking

The Bank offers to corporate and institutional clients a the following products and services:

 Equities
 Fixed Income
 Foreign Exchange
 Commodities
 Corporate Finance
 Asset Finance & Leasing
 Relationship Management
 Global Cash Management
 Global Trade Finance
 Trust & Securities Services

Private clients and asset management

The Bank provides the following financial solutions to private and business clients:

 Private & Business Clients

 Private Wealth Management
 DB Real Estate
 DWS Investments
 Deutsche Asset Management
 Scudder Investments

Deutsche Bank Offices in India

Mumbai Branch
Hazarimal Somani Marg-Fort
Mumbai (Bombay) 400 001
India
Tel. : +91 22 2207 4720 up to 24

Delhi Branch
Deutsche Bank ,
Tolstoy House,
15-17 T Marg,
New Delhi-110001
India
Tel. : +91 11 23721155

Gurgaon Branch
DLF Square - DLF City,
Phase II,
Jacaranda Marg
4th Floor
Gurgaon (near New Delhi),
Haryana 122 002
India

Chennai
114 M. G. Road
Ground Floor
600 034 Chennai (Madras)
India
Tel. : +91 44 821 5408

Bangalore
# 123, Shivalaya EPIP Phase II,
Block II Whitefield Industrial Area,
Bangalore 560 066
India
Tel. : +91 80 5119 3300
www.deutschebank.co.in/

HSBC

HSBC Bank is the largest bank in Hong Kong and second largest group in the world after
Citicorp. Before moving its headquarter to London in 1990, it was headquartered in Hong Kong.
HSBC India is having branches in Ahmedabad, Bangalore, Chennai, Chandigarh, Coimbatore,
Gurgaon, Hyderabad, Jaipur, Kochi, Kolkata, Ludhiana, Mumbai, New Delhi, Noida, Pune,
Thane, Trivandrum and Visakhapatnam.

HSBC NRI centres are located in Asia-Pacific, the Middle East, Europe and North America.
HSBC NRI centres provide full range of personal and private banking products in India and
overseas. HSBC Internet banking adds to the services of HSBC India abroad.

HSBC India, along with HSBC Investment product and HSBC Insurance, it offers international
Gold Card and Classic Credit Cards from VISA and MasterCard and debit cards from Visa.
HSBC in India gives 24 hour banking services, extensive network of ATMs, integrated Call Centre
and also HSBC e-banking.

HSBC Bank India Fact File

The HSBC Group develops and applies advanced technology to the efficient and convenient
delivery of banking and related financial services. HSBC Bank India provides the following:

 Self-service banking with over 150 in-branch and off-branch ATMs and 24-hour
phonebanking.
 Trade and corporate banking services with real-time access to a centralised information
database
 Instantaneous inter-city transactions through online connections between all branches

 A state-of-the-art treasury dealing system

 A sophisticated card system supporting debit and credit cards, domestic and international
VISA, MasterCard, and co-branded cards

 A dedicated acquiring system for both MasterCard and Visa transactions

 online@hsbc, HSBC internet banking service, provides customers with an integrated and
secure platform to access their accounts.

 Internet Payment Gateway handles credit card transactions on the internet

The following are few branch locations in India with their telephone numbers

Cities For Banking related queries For Credit card related queries
Ahmedaba
98982 72424 98983 77373
d
Bangalore 2558 9595 2558 9696
Chandigarh 501 6555 501 6999
Chennai 2526 9595 2526 9696
Coimbatore 98943 72424 98944 77373
Gurgaon 9511 - 2373 8989 9511 - 2373 9696
Hyderabad 2335 8686 2335 8787
Indore 98932 72424 98932 77373
Jaipur 220 8989 510 9696
Kochi 98954 72424 98954 77373
Kolkata 2243 8585 2243 8686
Ludhiana 502 8989 277 3696
Mumbai 2498 2424 2491 0001
New Delhi 2373 8989 2373 9696
Noida 9511 - 2373 8989 9511 - 2373 9696
Pune 5602 8585 5602 8686
Trivandrum 98954 72424 98954 77373
Vadodara 98982 72424 98983 77373

HSBC online

HSBC Internet Banking is available countrywise. Customer can get into HSBC online and can
operate their account from anywhere. HSBC online banking is a real time banking. The
following are websites of HSBC Bank in some of the major countries.

Global : www.hsbc.com

UK : www.hsbc.co.uk
Canada : www.hsbc.ca
Australia : www.hsbc.com.au
Hong Kong : www.hsbc.com.hk
India : www.hsbc.co.in

JPMorgan Chase Bank 

PMorgan Chase Bank, headquartered in New York, was established on July 1, 2004, with the
merge of J.P. Morgan Chase & Co. and Bank One Corporation. It operates from over 50
countries and is leading in investment banking, financial services for consumers and businesses,
financial transaction processing, asset and wealth management and private equity.

JPMorgan Chase Bank reports on the following six lines of business:

  Asset & Wealth Management
 Card Services
 Commercial Banking
 Investment Banking
 Retail Financial Services
 Treasury & Securities Services

The JPMorgan Chase Bank retail and commercial banking businesses are headquartered in
Chicago. Customers can write to the Bank in the following address:

JPMorgan Chase & Co.

1 Bank One Plaza
Chicago, IL 60670

Contact information JPMorgan Chase Bank

Investor Relations
JPMorgan Chase & Co
270 Park Avenue
New York, NY 10017-2070
Tel. : (212) 270-6000
www.jpmorganchase.com/

Standard Chartered Bank

Standard Chartered Bank in India is the largest international banking

Group in India. The Combined Balance Sheet (as at March 31, 2001) of SCB India is Rs.
24515.9 cr. and is having a combined customer base of 2.4 million in retail banking and over
1200 corporate customers.

The key businesses of Standard Chartered Bank in India include consumer banking - primarily
credit cards

, mortgages, personal loans and wealth management - and - wholesale banking, where the Bank
specializes in the provision of cash management, trade, finance, treasury and custody services.

Standard Chartered India was the first to issue first global credit card in India, the first to issue
Photocard, the first Picture Card and was the first credit card issuer to be awarded the ISO 9002
certification.

Some other product innovations of Standard Chartered Bank in India include the 'Sapnay' credit
card, the international debit card that provides free access to over 1500 Visa ATM's, a first in the
banking industry, Mileage, an overdraft facility against the security of a car and Smart Credit, a
personal line of credit for salaried customers.

The name is derived from Standard & Chartered. Standard Bank of British South Africa merged
with Chartered Bank of India, Australia and China in 1969.

Standard Chartered Bank Quick Facts

Combined Balance Sheet : Rs. 24515.9 cr as on March 31, 2001

Customer base : 2.4 million
Corporate customers : Over 1200
The First : In issuing global credit card in India, in issuing photcard and pucture card in India.
Visa ATMs : 1500

In the onset of new millennium, Standard Chartered Bank purchased the Grindlays Bank from
ANZ Group for $1.34 billion and was named Standard Chartered Grindlays Bank and also the
acquisition of the Chase Consumer Banking operations in Hong Kong for $ 1.32 billion.
Previously, when with ANZ Group, it was known as ANZ Grindlays Bank where ANZ is
Australia and New Zealand.

Standard Chartered Credit Cards

Standard Chartered Credit Card can get you going with the privileges within the country. With
Standard Chartered Bank Credit Card one is also rewarded with exciting benefits and unique
features.

Standard Chartered Credit Cards are of many varieties. Atleast one type of SCB Credit Card out
of the entire range can fit to the need of a single person. The varieties of Standard Chartered
Credit Cards are as follows:

 Standard Chartered Bank Classic

 Standard Chartered Bank Classic
 Standard Chartered Bank Cricket
 Standard Chartered Bank Diva
 Standard Chartered Bank Executive
 Standard Chartered Bank Executive
 Standard Chartered Bank Gold
 Standard Chartered Bank Gold
 Standard Chartered Bank Sapnay
 Standard Chartered Grindlays Classic
 Standard Chartered Grindlays Gold
 Standard Chartered Grindlays Star TV

Add-on Card is given free with Standard Chartered Bank Credit Card. SCB Credit Card come
with the following insurances.
  Air accident Cover
 General Accident Cover
 Add-On Card Cover
 No Cover Baggage Cover
 Credit Shield on death
 No Charge Purchase Protection Cover

In India Standard Chartered Bank has branches in the following cities

 Ahmedabad
 Amritsar
 Bangalore
 Chennai
 Coimbatore
 Delhi
 Ernakulam
 Gurgaon
 Guwahati
 Hyderabad
 Kanpur
 Kolkata
 Mumbai
 Noida
 Pune

Standard Chartered Website

www.standardchartered.com
www.standardchartered.co.in (for India)

UPCOMING FOREIGN BANKS IN INDIA

By 2009 few more names is going to be added in the list of foreign banks in India. This is as an
aftermath of the sudden interest shown by Reserve Bank of India paving roadmap for foreign
banks in India greater freedom in India. Among them is the world's best private bank by
EuroMoney magazine, Switzerland's UBS.

The following are the list of foreign banks going to set up business in India

 Royal Bank of Scotland

 Switzerland's UBS
 US-based GE Capital
  Credit Suisse Group
 Industrial and Commercial Bank of China

Merrill Lynch is having a joint venture in Indian investment banking space -- DSP Merrill Lynch.
Goldman Sachs holds stakes in Kotak Mahindra arms.

GE Capital is also having a wide presence in consumer finance through GE Capital India.

India's GDP is seen growing at a robust pace of around 7% over the next few years, throwing up
opportunities for the banking sector to profit from.

The credit of banks has risen by over 25% in 2004-05 and the growth momentum is expected to
continue over the next four to five years.

Participation in the growth curve of the Indian economy in the next four years will provide
foreign banks a launch pad for greater business expansion when they get more freedom after
April 2009.