Banks(icici,hsbc,sbi)

8/7/2019 Banks(icici,hsbc,sbi)

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Comparative study onComparative study on

Vishal tiwari

Mba 4sem

Sitm



` Established in 1994.

` India¶s largest private bank with USD 21 Billion inassets.

`

Second largest Indian bank including all publicenterprises.

` First Indian company to list in NYSE.

` First bank in India to launch a website - 1996.

` First bank in India to launch internet banking-1997.

` Introduced the concept of online bill payment in 1999.

` Only bank in India with million online customer.



Personal Banking:

` Deposits

` Loans

` Car/health insurance` Investment

` Life insurance

` Demat services

` Wealth management

` Mutual funds



NRI Banking:

` Money transfer

` Bank account

` Investment

` Property solutions

` Insurance

` Loans

BUSINE

SS BANKING

:�Corporate tax banking

�Cash management

�Trade services

�FX online

�SME services

�Online taxes

�Custodial services



By availing this facility a child can operate his/her account of its own by the click of the mouse.

In addition a child gets:

Free personalised cheque book

Free Phone Banking

Free ICICI Bank Ncash Debit Card

Free transfer of funds into his / her account from any ICICIBank account



` One of the largest multinational banking and

financial services organizations.

` Located in 80 countries and territories.

` More than 5000 offices.` It started operations in India in 1853 with the

establishment of the Mercantile Bank of India in

Mumbai.

` According to the Forbes magazine, it is the largestbanking group in the world, and the 6th largest

company in the world as of April 2009



1. Retail banking

2. Corporate banking

3. Treasury and Capital markets

4. Investment banking

5. Direct online Saving Account

6. Direct online Certificate of Deposits

7. Demat Account

8. Power Vantage Plus

9. Mutual funds



` SBI was constituted on July 1,1955.

` It has placed a record of over 2000 ATMs.

` Under the provisions of SBI act(1955) R BI acquired

60% stake in it.` In 2008 Government of India took over the stake

from R BI.

` SBI has also taken 24 hrs user friendly banking

channel all over the country.` 13000+ branch network of SBI and its Associate

Banks are in India.



` Internet banking` Portfolio management services` Depository participant services and dematerialization.` STEPS (State bank electronic payment system)

` Personal banking:Deposit schemes

Personal financeNano car booking

` Agricultural/rural:

Agricultural bankingMicro creditRegional rural banks



1. Prepaid plastic card issued in association with VISA International,

2. Available in three different currencies - US Dollars, Euro and

GBP(pounds sterling).

3. It is a safer method of carrying funds in a safe, convenient and cost

effective way on your visit abroad.4. It takes away the hassles of going around Money changers and loosing

valuable foreign currency by way of high exchange margins.

5. It also relieves the customer of the Annual fees, joining fees, credit limits,

Mark-ups, unusual transaction charges etc., usually associated with

International Debit / Credit Cards



` NRI services NRIs have the facility to open various types of accounts

with SBI1) NRE Rupee account2) Savings Bank account3) Current account

4) N

RO account5) Term deposits6) S pecial term deposits7) Resident Foreign Currency account8) FDs in Pound,Sterling,US Dollar, Euro, Canadian

Dollar, Australian Dollar 9) Foreign Currency Non-Resident accountApart from it various Car loan Scheme, Home Loan scheme

are also provided





ICICI HSBC SBI

Saving A/c 3.5% p.a 3.5% p.a 3.5% p.a

Home loans 14.75% 12-15% 12.25%

Demat FREE 750 p.a 500 p.a

Fixed deposits (more than 2 years)

7.8% 5.50% 8.5%

Branches 1400 170 11000+

Comparison of the banks



2008 2009

ICICI 8.5 million 7 million

SBI 3 million 3 million

HSBC .7 million .58 million

Credit card base



2007-08 2008-09 Jun 2009

ICICI 1.45 1.96 2.19

I 1. 1. 6 _

H C



Source: RBI



Source: RBI

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Banks(icici,hsbc,sbi)