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Ancilliary Services of Banks
Ancilliary Services of Banks
PRESENTED TO: Dr. Devendra Singh Niranjan Chetan Jain Deepak Jaiswal Hemant Suthar Juhi Verma PRESENTED BY: Abhijeet Singh Chandrakant
Banks
Banks play an important role in the field of trade,
commerce and industry. They promote and mobilize savings by providing safety, confidentiality and attractive rate of interest. Banks inspire confidence in people and help in creating banking habits in them.
Bank services
Primary services: borrowing and lending of
money Secondary services( or ancillary services): Services offered by banks to help the customers Such activities include collection of cheques, dividend, warrants, etc. on behalf of customers as well as effecting transfer of funds, remittances by mail and telegram in order to attract customers and make banking services effective.
Credit/Debit cards
Standing instruction Gift cheques
Teller system
Stock invest, etc.
billion and profit after tax Rs. 37.58 billion for the year ended March 2011.
The Bank has a network of 1,646 branches and about 4,883 ATMs
in India and presence in 18 countries (as on February 11, 2011) as well as some 26 million customers (at the end of July 20011).
ICICI Bank is also the largest issuer of credit cards in India.
ICICI Bank's equity shares are listed in India on Bombay Stock
Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).
more convenient.
Through these 5 great channels - Internet
Banking, Mobile Banking, ICICI Bank ATMs, Instant Voice Response (IVR) Banking and iMobile - you can do your day today banking
Izone: A unique interactive experience, this is a first for any banking website
in the world. You can now deposit or withdraw cash, open fixed deposits and conduct many more real banking transactions in i-Zone. Take a leisurely tour and enjoy the warmth of our virtual staff without getting away from your desktop.
TV Banking: This pioneering initiative now enables you to get information regarding loans, accounts, deposits and a lot more while you're watching that exciting cricket match or your favorite sitcom. Quite certainly, TV Banking has revolutionised banking by bringing it right into your living room.
State Bank of India (SBI) is the largest bank in India. The bank traces its ancestry back from British India, through
the Imperial Bank of India, to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent.
The GOI nationalized the Imperial Bank of India in 1955 with the
RBI taking a 60% stake and renamed it the State Bank of India.
In 2008, the Government took over the stake held by the
deposits and advances, and SBI accounts for almost one-fifth of the nations loans.
It is the largest provider of infrastructure debt and the largest arranger
9000 ATMs across India and other electronic channels such as Internet banking, debit cards, mobile banking, etc.
loans and deposits) Credit Risk (the probability of default) Liquidity Risk (occurring when loans and deposits have different maturities)
Managing Net Interest Margin
ALM in SBI
The Asset Liability Management
Committee (ALCO) Market Related Funds Transfer Pricing (MRFTP) Stressed Assets Management Group (SAMG)
ALM in ICICI
Asset Liability Management
Committee (ALCO) Structural Rate Risk Management Group (SRRMG) Risk measurement and reporting framework
SWOT analysis-SBI
Strengths
Brand Name Market Leader Wide Distribution Network Diversified Portfolio Government Owned Low Transition Costs
Opportunities
Merger of associate banks with SBI Additional 2000 branches and 3000 ATMs Increasing trade and business relations
Weakness
Hierarchical management structure of the bank Non performing assets (NPAs) Modernisation
Threats
Advent of MNC banks Consumer expectations Employee Strike Private banks venturing into the rural and semi-urban sector
SWOT analysis-ICICI
Brand Name Market Share Huge Network Diversified Portfolio Salary Account Working Hours Treasury Management Aggressive Marketing Technology
Strengths
Opportunities
New IT & ITES Companies Dissatisfied Customers of Other Banks Remittances Business advising for smaller Players
Weakness
Transaction Cost Focus on High end customers Defensive Approach in lending Little Presence outside India Poor customer Care/ service
Threats
Advent of MNC banks Dissatisfied Customers Ever improving nationalized banks
REFERENCES :MAGAZINS: Business World Business Today The Smart Manager WEBSITES: www.statebankofindia.com www.icicibank.com www.rbi.org.in
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