PRESENTATION ON SIX WEEKS INDUSTRIAL TRAINING AT STANDARD CHARTERED BANK

Presented By: Harpreet Kaur MBA 2A

Chapter-I (Introduction)

Company Introduction
--1853 -- London -- John Peace (Chairman) -- Banking -- Financial Services -- $15184 m (2009) -- $5151 m (2009) -- 77326 (2009)

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

Contd..

Branches

Head quarters in India CEO in India

- 1700 (world) - 90 (India) -3 (Punjab) - Mumbai - Neeraj Swaroop

DIFFERENT PRODUCT AND SERVICES OF STANDARD CHARTERED BANK IN RETAIL BANKING

contd..

NRI Accounts

Other services

Organisation chart of standard

chartered

Chairman of Board ( John Peace )

Asia Jaspal Bindra

Risk Mgt Rudy Mark ham

Whole sale Banki ng Mike Rees

C FO Richar d Meddi ng

Peopl Prope rty, Assur ance Tim Miller

Secretary Anniemar ie Durbin)

Consumer Banking Steve Bebertami ni

HR Tracy Clark

Organisation chart in case of branch

contd

BANKING RATIOS

Return on Equity =

Net Income Shareholders equity

March, 2008 March, 2007

Ratio

March, 2010 March, 2009

Return on 18.33 equity (%)

18.55

20.35

23.51

Table 5.1

contd

Return on Assets = Net Operating Income Total Assets

Ratio

March, 2010 March, 2009 4.8 3.8

March, 2008 March, 2007 4.1 3.96

Return on Assets (%)

Table 5.2

contd
Shareholders equity to assets = Shareholders equity Total Assets

Ratio

March, 2010

March, 2009 10.5

March, 2008 March, 2007 11.39 9.85

Shareholders 12.9 equity to assets (%)

Table 5.3

contd

Loans to Assets = Loans Total assets

Ratio

March, 2010 March, 2009 46.39 38.48

March, 2008 March, 2007 45.41 51.11

Loans to Assets (%)

Table 5.5

Trend analysis

EPS (Earning Per Share) = Profit after interest and tax No. of equity shares

Fig 6.1

contd

Trend of Net Profit:

Fig 6.2

contd

Trend in Interest Earned

Fig 6.3

Contd

Trend in Interest Expended

Fig 6.4

Introduction of Project

Project Title

Retail Banking

Objectives of Study

Research Methodology

Data Analysis And Interpretation

Dealings with Banks

Table no-4.3

Banks Hsbc Standard Chartered

Responses 50 50 (50) (50)

N1=50 N2=50

*Figure in the parenthesis indicates percentage

No. of years of association with banks

Years associated 1-2 years 2-3 years 3-4 years More than 4 years Responses of Hsbc 12 (24) 11 (22) 12 (24) 15 (30)

Table no-4.4

Responses of Standard chartered 10 (20) 13 (26) 13 (26) 14 (28)

N1=50 N2=50

*Figure in the parenthesis indicates percentage

Services availed by customers

Table no-4.5

Services Savings and banking Debit cards Credit cards Insurance/Investment E-banking and related services

No of respondents of HSBC 43 31 17 22 19

No of respondents of Standard Chartered 39 23 20 21 20

*Multiple responses

N1=50 N2=50

Degree of awareness among customers regarding services

Table no-4.6

Services Savings an banking Debit cards Credit cards Insurance/Investment E-banking and related services

Responses of Hsbc (mean) 4.04 3.38 2.78 2.58 2.98

Responses of Standard chartered (mean) 3.18 3.28 2.96 2.70 2.98

N1=50 N2=50

Type of account in the bank

Table no-4.7

Type of account Savings account Current account Corporate salary accountaccount Demat

Respondents of Hsbc 26 (60) 6 (14) 7 (16) 4 (10)

Respondents of Standard chartered 24 (62) 6 (15) 6 (15) 3 (8)

*Figure in the parenthesis indicates percentage

N1=43 N2=39

Usage of ATM by customers

Table no-4.8

Usage of ATM Never Weekly Monthly

Responses of Hsbc 22 (44) 16 (32) 12 (24)

Responses of Standard chartered 20 (40) 17 (34) 13 (26)

N1=50 N2=50

*Figure in the parenthesis indicates percentage

Problems faced by customers while using ATM

Problem in using ATM ATM is not working Card arrested by machine Shabby area No money in the machine Any other problem No problem Responses of Hsbc 2 (7) 3 ( 11) 0 3 (11) 2 (7) 18 (64)

Table no-4.9

Responses of Standard chartered 2 (9) 1 (5) 0 5 (22) 1 (5) 13 (59)

N1=28 N2=29

*Figure in the parenthesis indicates percentage

Type of Credit Cards used

Table no-4.10

Type of credit card Platinum Gold Classic

Responses of Hsbc 10 (78) 6 (16) 1 (6)

Responses of Standard chartered 14 (70) 4 (20) 2 (10)

N1=17 N2=20

*Figure in the parenthesis indicates percentage

Mode of payment of credit card bills

Table no-4.11

Payment of Credit cards EMIs One time premium

Responses of Hsbc 8 (47) 9 (53)

Responses of Standard chartered 9 (45) 11 (55)

N1=17 N2=20

*Figure in the parenthesis indicates percentage

Type of insurance policy customers have

Type of insurance Life insurance policy General insurance Health insurance Personal insurance Responses of Hsbc 17 6 6 7

Table no-4.12

Responses of Standard 18 chartered 5 9 6

* Multiple Responses

N1=22 N2=21

Mode of payment of premium of insurance policy

Table no-4.13

Mode of payment

Responses of Hsbc

Responses of Standard chartered 2 6 8 5 (9) (28) (38) (25)

N1=22 N2=21

Monthly Quarterly Half yearly Yearly

0 5 (23) 10 (45) 7 (32)

*Figure in the parenthesis indicates percentage

Level of satisfaction
Table no-4.14

Services Savings and banking Debit cards Credit cards Insurance/Investments E banking and related services

Responses of HSBC (mean) 3.95 3.68 3.27 2.91 4.16

Response of Standard chartered (mean) 3.81 3.50 2.86 2.89 3.68

N1=50 N2=50

Finding And Suggestions

Thanks