IA PPT TEJU

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    MARKET SHARES

    SBI:-The bank's market share in deposits is at

    22.1%, the lowest in fiscal 2010-11.

    HDFC :- BSE:500010 | NSE:HDFCEQ |

    58888:hdfc | IND :Finance - Housing | ISIN

    code:INE001A01036 | SECT :Finance

    BOB:-BSE: 532134 - Feb 20 3:57 PM IST

    513.40-18.05 (-3.40%)

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    STRATEGIES of SBI POSITIONING AT SBI: - It is the peoples most trusted bank.. Relevance to young customers with value added

    services like Net Banking, Telebanking etc. SBI comes among top 50 banks in the world. It is the most trusted

    Bank amongst the people. State Bank of India (SBI) is the largest nationalized commercial bank in India in terms ofassets, number of branches, deposits, profits and workforce.

    STRATEGY ADOPTED BY SBI: - Strategic planning is a process which needs more resources including humanefforts, and necessary changes in the organization. The strategist has to scan the organizations environment before

    selecting a strategy. The strategic planning has mainly four steps: (in) Environmental Analysis (ii) Development of

    Vision and Mission Statement (iii) setting up of goals and objectives (IV) Identifying strategy and tactics. State Bank

    of India has to frame a strategy which will focus on customer service quality, maintaining profitability, using system

    technologies, credit portfolio management and productivity improvements. When the bank provides a high quality

    customer service, it gives a competitive advantage over other banks and it will help to attract the existing and new

    customers.

    GEOGRAPHICAL SPREAD OF PLANTS:-

    The State Bank Group, with over 16,000 branches, has the 2011. It also has around 130 branches largest banking

    branch network in India. The State Bank of India is the 29th most reputed company in overseas the world according

    to Forbes.

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    STRATEGIES of hdfc BUSINESS STRATEGY Increasing market share in Indias expanding banking.

    Delivering high quality customer service. Delivering more products to more

    customers. Maintaining current high standards for asset quality throughdisciplined credit risk management. Develop innovative products and servicesthat attract targeted customers and address inefficiencies in the Indian financialsector.

    TARGETING STRATEGY Corporate banking market: this market target theindustries & fulfill their financial needs. Capital market: this segment is targetedon the long term needs of the individual as well as of industries. Retail banking

    market: this segment is for retail investors & provide them short term financialcredit for their personal, house hold needs.

    POSITIONING STRATEGY HDFC Bank has positioned itself as a bank which giveshigher standard of services through product innovation for the diverse need ofindividual & corporate clients. So they want to highlight following points in theirpositioning segment: -Customer centric -Service oriented -Product innovation

    GEOGRPHICAL SPREAD OF PLANTS:-

    has 3,062 branches and 10,743 ATMs, in 1,568 cities in India. It was among thefirst companies to receive an 'in principle' approval from the Reserve Bank of India(RBI) to set up a bank in the private sector.

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    STRATEGIES of BOB

    Segment: - People who wish to invest their

    money in banking activities

    Target Group:-Middle income group

    individuals, HNIs, Corporates

    Positioning: - Bank with International product

    and services served the Indian way

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    Ethos of all banksBanks Vision Mission

    SBI My SBI.

    My Customer first.My SBI: First in customer satisfaction

    We will be prompt, polite and

    proactive with our customers.We will speak the language of young

    India.

    We will create products and services

    that help our customers achieve their

    goals.We will offer excellence in

    services to those abroad as much as we

    do to those in India.

    HDFC We understand our responsibility At the core of our strategy is our

    commitment to reach out to

    marginalized communities.

    Our endeavour is to evolve and

    develop appropriate business processes

    and strategies to achieve a commongoal which contributes to the greater

    good.

    BOB It has been a long and eventful journey

    of almost a century across 25 countries.

    Starting in 1908 from a small building

    in Baroda to its new hi-rise and hi-tech

    Baroda Corporate Centre in Mumbai,

    To be a top ranking National Bank of

    International Standards committed to

    augmenting stake holders' value

    through concern, care and competence.

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    Brief profiles of directorsSBI HDFC BOB

    Smt. Arundhati BhattacharyaMr. Deepak S. Parekh Shri S. S. Mundra

    Shri Hemant G. ContractorMr. Keki M. Mistry Shri P. Srinivas

    Shri A. Krishna KumarMs. Renu Sud Karnad Shri Sudhir Kumar Jain

    Shri S.VishvanathanMr. V. Srinivasa Rangan Shri Ranjan Dhawan

    Shri P. Pradeep Kumar Shri Alok Nigam, IAS

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    CSR Policy SBI ----The Bank is a corporate citizen, with resources at its command and benefits which it derives from operating

    in society in general. It therefore owes a solemn duty to the less fortunate and under-privileged members of the

    same society.A. TEACHERS DAY 2012-DISTRIBUTION OF WATER PURIFIERS TO SCHOOLS

    B. State Bank Day 2013Fans Distribution to Schools

    HDFC---

    Development in a large country such as ours brings with it various challenges; the foremost is to translate

    economic growth to sustainable development. To achieve this, it is critical that growth be inclusive. At the core of

    this strategy is our commitment to reach out to marginalized communities through our Sustainable Livelihood

    Initiatives and to encourage each business to include social and environmental consideration as part of theirbusiness processes.

    HDFC Bank has undertaken several interventions and projects through the year to create a positive impact on

    society while doing business. These projects take shape in many ways from corporate philanthropy, to employee

    driven projects.

    BOB--Bank has always upheld inclusive growth high on its agenda. Bank has established 36 Baroda Swarojgar

    Vikas Sansthan (Baroda R-SETI) for imparting training to unemployed youth, free of cost for gainful self

    employment & entrepreneurship skill development and 52 Baroda Gramin Paramarsh Kendra and for knowledgesharing, problem solving and credit counseling for rural masses across the country, as on 31.03.2011. Bank has

    also established 18 Financial Literacy and Credit Counseling Centres (FLCC) in order to spread awareness among

    the rural masses on various financial and banking services and to speed up the process of Financial Inclusion, as

    on 31.03.2011.

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    Corporate governanceHDFC Bank recognizes the importance of good corporate governance,

    which is generally accepted as a key factor in attaining fairness for allstakeholders and achieving organizational efficiency. This CorporateGovernance Policy, therefore, is established to provide a direction andframework for managing and monitoring the bank in accordance withthe principles of good corporate governance.

    Bank of Baroda is the first Public Sector Bank having been assigned arating to its Corporate Governance Practices by ICRA Limited. the Bankhas adopted and follows such practices, convention and codes as wouldprovide its financial stakeholders including the depositors, a high level ofassurance on the quality of Corporate Governance. The rating reflectsBanks transparent ownership structure, well-defined executive

    management structure, satisfactory risk management practices,transparency in appointment and functioning of the Board and SeniorManagement and an elaborate audit function, carried out both by itsInspection Division and independent audit firms

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    HDFC initiatives

    Sustainable Livelihood

    Changing lives through education

    Changing lives through training

    BOB initiatives

    Business Process Reengineering (BPR)

    People Initiatives

    New Technology Platform

    Marketing Initiatives

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    Profitability of SBIMar 2013 mar2012 mar2013

    Interest Spread -- -- --

    Adjusted Cash Margin(%) 11.23 10.51 9.51

    Return on Long Term Fund(%) 96.35 97.36 98.20

    Return on Net Worth(%) 14.26 13.94 12.71

    Net Profit Margin 10.39 9.68 8.50

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    Profitability of HDFCMAR2013 MAR2012 MAR2011

    Interest Spread -- -- --

    Adjusted Cash Margin(%) 17.60 17.55 18.23

    Net Profit Margin 16.04 15.88 16.18

    Return on Long Term Fund(%) 80.09 75.20 59.91

    Return on Net Worth(%) 18.57 17.26 15.47

    Adjusted Return on Net Worth(%) 18.57 17.26 15.47

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    Profitability of BOB

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