Major Foreign Banks In India and

Comparison
29-Foreign Banks
 A Global View
CitiBank HSCB SC RBS
City Never Sleeps We are the world's local bank. To be the world's best The bank
international that likes
bank,Leading the way in to say Yes
Asia,Africa and the
Middle East / Here for
Good

Established 1812 1865 1969 1727

Countries 100 87 70 50
Branches 1703 1650 1700 1200
Cutomers 200 100 130 40
Employees 300000  260000  75000 40000

ATMs 5181 4500 3000 2700

 No of offices(Distribution Network) No of employees(Customer Service)
Citi Bank
Citi Bank
Hong Kong & Shanghai Banking Corporation
Hong Kong & Shanghai Banking Corporation
Standard Chartered Bank
Standard Chartered Bank
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank) 8967
91 91 95 7753 7825 7903
7446
82 82 6497 6658
6564 6685
4985 5194 4782 4795 4613
47 47 47 50 3550 3871
40 43 40 40 41 43 3250 3093 3241
2716
28 28 30 31
23

2005-06 2006-07 2007-08 2008-09 2009-10

2005-06 2006-07 2007-08 2008-09 2009-10

Business per employee (Targets) Profit per employee ( H.R Efficiency)

Citi Bank
Citi Bank
Hong Kong & Shanghai Banking Corporation
Hong Kong & Shanghai Banking Corporation
Standard Chartered Bank
Standard Chartered Bank
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
1979.89 Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
1880.10
1763.78 45.12
1607.92
37.73
1360.48
1158.97
1135.52 26.31
1070.26
1011.88 1012.34 1029.41 1083.45
975.65905.82 979.68 971.43
961.81 21.71 23.82
924.20 19.62 20.22
837.29 817.35 17.33 18.32
16.69 16.06
14.50 14.32
12.07 11.36 11.73
8.15 7.66
0.62

2005-06 2006-07 2007-08 2008-09 2009-10

2005-06 2006-07 2007-08 2008-09 2009-10 -4.06
 Capital & Reserves Surplus(Financial Deposits
Condition) Citi Bank
Hong Kong & Shanghai Banking Corporation
Citi Bank
Standard Chartered Bank
Hong Kong & Shanghai Banking Corporation
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
Standard Chartered Bank
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank) 55748
54452
13514 51677.46
49970.28
46125.02 48192
12135
11606 42620.29
11518
11214 41801.77
10277 37875 37003.52
9351 34825
34175
8459
8370 2791228460
6603 24955
6159
5801 18911.58
4562 15998 15960.26 16601
4347
4166 11864
1974 2366.39 2385.78 2281
1589

2005-06 2006-07 2007-08 2008-09 2009-10

2005-06 2006-07 2007-08 2008-09 2009-10

Investments Advances
Citi Bank Citi Bank
Hong Kong & Shanghai Banking Corporation Hong Kong & Shanghai Banking Corporation
Standard Chartered Bank Standard Chartered Bank
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank) Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
41289 39919.94 41552
38376.52 37489 36655
32861 33351.53
31153.82 30104 29944.4
28109 27588.69
24519.35 2445524077 23142 23475
20381.41
19289.93
18450.08 18477 1681215073 18388 16659.74
16021 15551.56 13406
14131 12787.26
12142
1055610632 11902 11777.42 10810.69
6407 7265
4825

2005-06 2006-07 2007-08 2008-09 2009-10

2005-06 2006-07 2007-08 2008-09 2009-10
 Interest Income Other income
Citi Bank
Citi Bank
Hong Kong & Shanghai Banking Corporation
Hong Kong & Shanghai Banking Corporation
Standard Chartered Bank
Standard Chartered Bank
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
6840.24 Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
5963.99 6326.93 6070
5649.41 5675 3582.3
4979.22
4878.06 5166 3097.05
4384 4046 2699.42 2838
3508 2446.12
2322.2
3064 3056 3038.29 3119.67 2116.67 2135
2202 2185 2126 1591
1346 1347
1212 1225.11
1376 1043 1058
928 862
612 643.82 749

2005-06 2006-07 2007-08 2008-09 2009-10

2005-06 2006-07 2007-08 2008-09 2009-10

Interest Expended Operating Expense

Citi Bank Citi Bank
Hong Kong & Shanghai Banking Corporation Hong Kong & Shanghai Banking Corporation
Standard Chartered Bank Standard Chartered Bank
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank) Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
2661 2587.23
2499.7
2489.62
2428.84 2354 2419
2311.43 2179.37 2194.67
2129.95
2015.87 2017 2145.17
2050.58
1915 1853 1950
1696 1652 1784
1459.8 1437.15 1525 1584 1497.35
1404 1307.12
1190 1213 1201
1006 1038 1025 970 996
828 714 748
659

2005-06 2006-07 2007-08 2008-09 2009-10 2005-06 2006-07 2007-08 2008-09 2009-10
 Cost of Fund Wages as % to total expenses
Citi Bank
Citi Bank
Hong Kong & Shanghai Banking Corporation
Hong Kong & Shanghai Banking Corporation
Standard Chartered Bank
Standard Chartered Bank
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
4.92 4.89
4.82
4.39 25.61 24.38
24.37
4.17 4.26 4.19 22.77 22.05
3.78 3.87 3.81 3.96 21.41 19.92 21.09 21.28
3.50 3.49 3.56 19.32 18.98 20.02
3.25 3.17 2.94 18.14
17.12 18.01
17.56
3.04 15.83 16.65
2.67 2.94 13.60 14.51

2005-06 2006-07 2007-08 2008-09 2009-10

2005-06 2006-07 2007-08 2008-09 2009-10

Return on Assets Net NPA ratio (Recovery ,Accountability &

Citi Bank
Security)
Hong Kong & Shanghai Banking Corporation
Citi Bank
Standard Chartered Bank
Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank) Hong Kong & Shanghai Banking Corporation
Standard Chartered Bank
3.07 3.06 3.13 3.03 Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)
2.79 2.87
2.49 2.63
2.24 2.12 2.31
2.20 2.14
1.82 1.82 1.95
1.58 1.51
1.37 1.57
1.03 1.43 1.42
1.37 1.40
0.96
0.88 1.23
0.78 1.02 1.04
0.95 0.85
0.06 0.58 0.58
0.43
0.11 0.12
2005-06 2006-07 2007-08 2008-09 2009-10
-0.40 2005-06 2006-07 2007-08 2008-09 2009-10
Products and Services
CitiBank HSBC SC RBS
Savings & Checking Accounts Personal Loans Saving & Banking Current accounts
Credit Cards Credit Cards ServicesLoans & Mortgages Credit cards

Citi Personal Wealth Management Homebuying Credit Cards Mortgages

Mortgages Saving & Investing Insurance Loans
Banking & Cash Management Retirement planning Investments Savings
Small Business Insurance Priority Banking Investments & financial planning
Credit Cards Receivables Finance Greater China Services Insurance
Retirement Solutions Business Insurance Employee Banking Travel & international
Investment Banking Trade and Supply Chain Priority Benefits MoneySense
Corporate and Commercial Bank Business Accounts Priority Solutions Digital Banking
Capital Markets Origination Foreign Exchange Priority Service The service
Global Transaction Services Business Direct International Services Current accounts
Citi Capital Advisors Resource Centre Loans & credit cards
Sales & Trading Managing Your Wealth Savings & investments
Securities and Fund Services Investor's Lounge Mortgages
Citi Investment Research & Analysis Learning Centre Insurance
Concierge Tax & wills
Online Services Banking with us
Working Capital Current accounts
Business Expansion Borrowing
Business Protection Savings & deposits
Yield Enhancement Cards & payments
Transaction Banking Insurance
Financial Markets International
Corporate Finance Careers
Principal Finance Banking with RBS
Online services
Insight & research
Sector expertise
Corporate Finance
Deposits & investments
 Citi Bank
• Nov-Dec 2009 : Card Business was adding 5,000
cards a month
• Aug and Sept , 2010 - 20,000-plus Cards
• 11% market share in credit cards
• Market share in spend 20%, the highest in industry
• Balance sheet growth is expected 25%
• Clear target market and clear strategy within target
market
• Add more 150 ATM this year, big number for any foreign
bank
• 85 % client led , 15 % trading
• Problem is lack of Physical point of presence in retail side
• Gurgaon, City’s presence in 700 Points, ATM, restaurants
and malls.
• Believe in Innovation, technology and creativity
• Best internet banking 2009 award at Asian Banker
Excellence in Retail Financial Services Awards held in
Shanghai on March 18th, 2010.
 News….
• Dec 21: Launches CitiHome One
• Nov 25: Citibank and Shoppers Stop Launch Platinum Co-Brand Card
• Oct 05: Launches New Credit Card Rewards Platform
• Aug 10: Weekends Made More Special with Launch of Citi Titanium
Cash Rewards Credit Card
• May 05: Citibank Launches Preferred Rupee Checking Account for NRIs
• Mar 12: Launches Citi Mobile
• Mar 07: Launches Gourmet Club in Chennai
• Feb 19: Citi's New Platinum Select Card Lavishes Preferential
Privileges on Customers
• Feb 06: Bengaluru's Best Restaurants to give Citibank Card members a
Special Welcome during Food Fest
• Feb 05: Citibank Launches New Online Money Transfer Service for US-
based Non Resident Indians (NRIs)
 News…
• Nov 19: Citibank And Visa Launch The World's First Visa Platinum
Travel Prepaid Card
• Oct 04: Citibank PremierMiles Card sets a New Paradigm in Travel
& Leisure
• Sep 02: Citi CEO Vikram Pandit named 2010 Global Business
Leader of the Year by NDTV Profit Business Leadership Awards
• Aug 13: Citibank Inaugurates New Branch Premises in Pune
• Jun 24: Citibank Inaugurates New Branch Premises in Ahmedabad
• Jun 02: Citi Partners with NSE to launch the Financial Information
Exchange (FIX) Protocol
• Feb 19: Citibank Brings "Alliance of Experts" to New Delhi
• Jan 13: Citibank Brings "Alliance of Experts" to Kolkata
 Standard Chartered
• April 2008 in Kolkata ,opened their first branch in the country
• Acquired American Express Bank's banking business
• Equity market capabilities benefiting the wholesale and consumer
banking businesses
• Strong foothold (such as tier-1 markets)
• Customer-centric approach 
• Foreign banks bring value in terms of an international network and
world-class services which are particularly useful for India's
globalizing companies and professionals. this is a gap which local
banks will not be able to fill for at least a few years to come. Even
technology can be leveraged to take products to rural masses.
 News…
7 June 2010 Standard Chartered Bank & DHL launch ‘Doorstep Trade Service’

Under this initiative, a DHL courier van equipped with state-of-the-art technology will
visits clients’ offices to collect the required documents. The documents are scanned
immediately in the van and sent to the Bank’s branches using GPRS connectivity. This
saves time and dramatically reduces turnaround time for servicing of trade finance
products as compared with the current model of couriering documents to the
branches

4 June 2010 Standard Chartered to launch 100 new ‘Express Banking’ centres

The “Express Banking” centres will be set up in proximity to customers’ homes and
offices thus enhancing Standard Chartered’s reach and includes a “mobile” version as
well. Besides the money vending machines, there will be an electronic cheque
deposit box, and self-service counter for other services.
 Inorganic Growth Story of Standard Chartered
Date Location  
Feb 2009 Asia Acquisition of Cazenove Asia

Dec 2008 India Standard Chartered increases its investment in UTI Securities to 74.9%

Dec 2008 Taiwan Acquires the 'good bank' portion of Asia Trust and Investment Corporation

Nov 2008 Brazil Standard Chartered announces plans to acquire Lehman Brothers team in Brazil

Standard Chartered announces raising strategic stake in Vietnam's Asia

May 2008 Vietnam
Commercial Bank to 15%

Feb 2008 South Korea Acquires South Korea's Yeahreum Mutual Savings Bank

Acquisition of American Express Bank, a wholly owned subsidiary of American

Feb 2008 Global
Express Company, with operations in 47 countries

Standard Chartered First Bank Korea Ltd acquires an 80% stake in South Korea's
Jan 2008 South Korea
A Brain, a funds administration company

Acquires a 49% strategic stake in India's UTI Securities, a leading local broking
Jan 2008 India
firm.

Acquisition of Harrison Lovegrove, a leading global oil and gas M&A advisory
Dec 2007 Global
boutique

Oct 2007 Global Acquires Pembroke, an aircraft leasing, financing and management firm
End 2006 Taiwan Launched tender offer for 100% in Hsinchu International Bank (USD1.2bn)

Sep 2006 Pakistan Acquisition of 95.37% Union Bank (USD487m)

Acquisition of 26% stake in PermataBank by the consortium of Standard Chartered Bank & PT
Sep 2006 Indonesia Astra International Tbk (USD193m). Total stake held in PermataBank by consortium today is
89%.

Jun 2006 Africa Acquisition of 25% in First Africa Group Holdings Ltd

Dec 2005 N/A Acquisition of 20% stake in Fleming Family & Partners (USD78m)

Sep 2005 China Acquisition of 19.99% of China Bohai Bank (USD123m)

Aug 2005 Bangladesh Acquisition of Amex Bank's Bangladesh business (USD25m)

Jun 2005 Vietnam Acquisition of 8.56% stake in Asia Commercial Bank (USD22m)

Apr 2005 Global Acquisition of a minority stake (6%) in Travelex as part of Apax led consortium

Jan 2005 South Korea Acquisition of Korea First Bank (USD3.3bn)

Dec 2004 Global Acquisition of ANZ's Project Finance business with assets (USD15m)

Acquisition of 63% stake in PermataBank by the consortium of Standard Chartered Bank & PT
Nov 2004 Indonesia
Astra International Tbk (USD355m)

Jun 2004 Hong Kong Acquisition of PrimeCredit

Sep 2000 Hong Kong Acquisition of Chase Manhattan Card Company (USD1.32bn)

Jul 2000 Global Acquisition of ANZ Grindlays (USD1.34bn)

 HSBC India goes in for a down-to-
earth transformation
• Impression of a stiff upper lip, British style-bank, with
bankers attired in classy suits, catering to the high and
mighty in clipped English accent
• Focus on the small and medium enterprise segment as well
as retail borrowers
• Small shop owner to a municipal sweeper or a housewife
running a tiny enterprise out of her home to make ends
meet
• A separate floor – with a different look and feel. And they
have also hired people who speak the local language.
• Rates are currently in the region of 32 per cent to 48 per
cent per annum
• A view to giving it without collatal
• HSBC’s association with YouTube for IPL3 
• Advises on basis of its international network of expertise
• The world’s local bank,’ played a very critical role in the
same
• Strong consumer insights and validations, the products
and services from HSBC address the concerns, wants and
requirements of all its customers
• Advertising across airports and other media like outdoor,
TV et al., the brand reinforces its commitment to offering
customised banking solutions to its customers
• The ICMR-4Ps B&M Perception Survey ranks HSBC on top
of all other foreign banks in India
Thank you