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A
PROJECT REPORT
ON
COMPARITIVE ANALYSIS OF STANDARD
CHARATERED BANK WITH OTHER FOREIGN
BANKS
SUBMITTED IN FULFILMENT OF BBA (GEN)-IIIrd SEM PROJECTIN GGSIP UNIVERSITY, DWARKA,SEC-1, NEW DELHI
S!"#$%%&d %' S!"#$%%&d "
Dr* U+ .$r SHASHANK TYAGI
(PROJECT GUIDE) BBA (GEN)
IIIrd S&+%&r
E.r'//N'*02131312
TECNIA INSTITUTE OF ADVANCED STUDIES
GURU GOBIND SINGH INDRAPRASTHA
UNIVERSITY
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CERTIFICATE
This is to certify that the project entitled “ COMPARITIVE ANALYSIS OF
STANDARD CHARATERED BANK WITH OTHER FOREIGN BANK4
S!"#$%%&d " S+.5 T6$, E.r'// .'* 02131312 + "&&. d'.& !.d&r #6!$d.7& .d +!8&r9$+$'. $. :!/:$//#&.% ': B7&/'r ': B!+$.&++ Ad#$.$+%r%$'.*
T& ;'r5$.6 ./+$+ #&.%$'.&d $. %$+ r&8'r% + "&&. !.d&r%5&. " %&
7.d$d%& $#+&/: .d .&7&++r r&:&r&.7& + "&&. r&7'6.$&7% 6!$d&)
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ACKNOWLEDGEMENT
IT WOULD BE A GREAT PLEASURE FOR ME TO TAKE THISOPPORTUNITY IN THANKING EVERYBODY WHO HAD BEEN OF GREAT
HELP IN THE COMPLETION OF PROJECT* MY SINCERE GRATITUDE
GOES TO MR. Rahul Kalhans (W&/% M.6&r) MY ORGANI@ATIONAL
GUIDE, WITHOUT WHOSE HELP THIS PROJECT WOULD HAVE SEEMED
IMPOSSIBLE*
AT THE SAME TIME I AM GREATLY OBLIGED TO THE FACULTY GUIDE
OF MY INSTITUTE DR. USHA NAIR FOR HER VALUABLE
CONTRIBUTION TO MY PROJECT*
IT HAS BEEN A GREAT LEARING EPERIENCE TO BE ON THE JOB CUM
TRAINING AND DOING THE PROJECT SIMULTANEOUSLY, WHICH
ENRICHED MY KNOWLEDGE AND DEVELOPED MY OUTLOOK FOR
BECOMING A BETTER PROFESSIONAL ANTICIPATING WITH
CONVICTION THAT I HAD BEEN OF SOME HELP TO THEM* I WOULD
ALSO LIKE TO TAKE THIS OPPORTUNITY TO THANK ALL THE STAFF
MEMBERS AT Standad Chat!!d Ka"l Ba#h FOR COOPERATING WITH
ME THROUGHOUT THE TENURE OR MY WORK THERE*
S+.5 T6$
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EXECT!"E #MMA$%
THE COMPILATION OF THE PROJECT REPORT MEANT FORSUBMITTING TO THE FACULITY OF MAHARAJA AGRASEN INSTITUTE
OF MANAGEMENT STUDIES FOR THE PURPOSE OF THE EVALUATION
IN SUMMER TRAINING OF THE REUIREMENT FOR THE BACHELORS
OF BUSINESS ADMINISTRATION (BBA)*
THE DISSERTATION IMPARTS A DEDICATION PERSPECTIVE
DISCUSSION ON THE “COM&A$!T!"E ANAL%#!# O' #TANDA$D
C(A$TE$ED )ANK W!T( OT(E$ 'O$E!GN )ANK#* IN
COMPREHENSIVE AND CONCISE WAY ON THE BASIS OF TRAININGWHICH WAS DONE BY ME IN STANDARD CHARTERED BANK* THIS
REPORT HAS BEEN WRITTEN FOR THE MEN OF MARKETING AS WELL
AS THE COMMONER* MARKETING IS THE HEART OF EVERY
ORGANISATION*
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$%st "& '"nt!nts
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STANDARD CHARTERED * A l!ad%n# ,ult%nat%"nal Ban-
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Cha)t! 0
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• S#8/& +$
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Cha)t! 4
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!NT$ODCT!ON
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NEW GENE$AT!ON )ANK!NG
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)#!NE## O' )ANK!NG
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(!#TO$% O' #TANDA$D C(A$TE$ED
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#TANDA$D C(A$TE$ED !N T(E +,,-.s
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#TANDA$D C(A$TE$ED TODA%
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Cha)t! 0
RESEARCH
METHODO$OGY
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REASEARCH METHODO$OGY AND $IMITATIONS
D% 7'//&7%$'. + "&&. d'.& :r'# "'% +'!r7&+ 8r$#r + ;&// + +&7'.dr .d
/+' " !&+%$'..$r&*
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OBJECTIVES
N' r&+&r7 $+ !+&:!/ $: $% d'&+ .'% 9& . r&+&r7 '">&7%$9&* R&+&r7 '">&7%$9&%&//+ %& r&+&r7&r + :'r ;% 5$.d ': $.:'r#%$'. 'r r&+!/%+, %& r&+&r7 + %' "&
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1* T' &=#$.& %& ;'r5$.6 ': STANDARD CHARTERED BANK*
?* T' $d&.%$: .d ++&++ 7!+%'#&r +%$+:7%$'. /&9&/ ': %& 7!+%'#&r+ ':
STANDARD CHARTERED BANK .d %' +!66&+% #&+!r&+ :'r $#8r'9&.% ':
+&r9$7&+ r&.d&r&d, d&8&.d$.6 '. %& 7!+%'#&r +%$+:7%$'. /&9&/*
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W&5.&++&+ ': &7 :7%'r :'& r&+'!r7& 8r$'r$%$
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#AM&LE #!/E
TOTAL NUMBER OF UETIONNAIRE FILLED*
*
AREA IN WHICH SURVEY WAS CONDUCTED*
SOUTH DELHI
EAST DELHI
NCR*(NOIDA,GHA@IABAD)
NUMBER OF UETIONNAIRE FILLED IN SOUTH DELHI, EAST DELHI NCR*
SOUTH DELHI 1
EAST DELHI 1
NCR - ??*
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+0+ #WOT ANAL%#!#
STRENGTH
♦ Mr5&% 8'+$%$'. $+ +%r'.6
♦ A66r&++$9& :'r&$6. ".5
♦ Sr&'/d&r+ r&%!r. + 6r';. #'r& %. 3 %$#&+
♦ M$.%$. 8'+$%$'. + /&d$.6 A+$. 7+ #.6&.% 8r'9$d&r
♦ Br.d SCB+ #'d&r. .d d.#$7 /''5 88&/+ %' %& 6r';$.6 #$dd/&
$.7'#& &r.&r+
♦ O. ': %& #'+% 8r':$%"/& MNC $. I.d$
♦ I#8r'9&d 8r'd!7% 8r'8'+$%$'.
♦ B&%%&r 6&'6r8$7 "/.7&+
♦ M!/%$-7!/%!r/ 'r6.$
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1EAKNESS
♦ HDFC, ICICI, ABM-AMBRO, KOTAK .d HSBC r& d'#$..% 8/&r+
♦ H+ d$+d9.%6& d!& %' /+% &.%r
♦ F&;&r /'7%$'.+ + 7'#8r&d %' '%&r MNC ".5+
♦ S&r9$7& d&/$9&r r&7&8%$'. $+ ;&5
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OPPORTUNITIES
♦ Br.7 &=8.+$'. :'r r8$d 6r';%
♦ I.7r&+& :'7!+ '. 9/!& 7r&%$'. $. ;'/& ".5$.6
♦ I#8r'9& +r&'/d&r+ r&%!r.
♦ B!$/d #r5&% +r& $. 7'.+!#&r ".5$.6 + 7'.+!#&r ".5$.6 7'.%$.!&+ %'
'::&r $6&+% 8'%&.%$/ :'r 6r';%
♦ Br'd&.$.6 ': %& d'6r8$7 "+&
♦ T$& !8+ ;$% #+%&r 7rd .&%;'r5+
♦ I.%&6r%&d +/&+ .d +&r9$7& 88r'7
♦
C. '::&r 7'#8/&%& 7'r8'r%& 8756& $.%' !.d&r 8r'8'+&d 7'r8'r%&r&/%$'.+$8
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THREATS
♦ IDBI $+ 8$%7$.6 $. !$%& 66r&++$9&/
♦ C$%$".5 $+ &=8.d$.6 $. .&; #r5&%+
♦ C'#8&%$%$9& 8r'd!7%+ .d '::&r+ :r'# ICICI .d HDFC
♦ Pr'8'+&d .&%;'r5$.6 ': // "r.7&+ $. .&=% #'.%+
♦ R&d!7&d "!+$.&++ $. OECD "!+$.&++
0
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#er1ices pro1ided 2y standard chartered
Tr'!6 %& .&%;'r5 ': '9&r '::$7&+ $. #'r& %. 7'!.%r$&+, +%.drd
7r%&r&d '::&r+ 8&r+'./ :$..7$/ +'/!%$'. r&/&9.% %' '! + . $.d$9$d!/,
+%.drd 7r%&r&d %r&+!r& "!$/d$.6 r&/%$'.+$8 ;$% %& 7!+%'#&r, d&9&/'8$.6
. !.d&r+%.d$.6 ': 7!+%'#&r+ 7.6$.6 :$..7$/ .&&d+ % d$::&r&.% +%6&+ ': '!r
/$:&* T&$r /'.6 &r$%6& ': .&r/ 1 &r+ + &."/&d % %' 7.6& ;$% %$#&,
'::&r$.6 !/$% 8r'd!7%+ " #&.+ %% r& 7'.9&.$&.% %' 7!+%'#&r*
Standad 'hat!!d "&&! %n'lud!s/
♦ P&r+'./ :$..7&*
♦ Cr&d$% 7rd+*
♦ Pr$'r$% ".5$.6*
♦ I.9&+%#&.% d9$+'r +&r9$7&+*
♦ P&r+'./ $.9&+%#&.%+*
♦ I.+!r.7&*
♦ D&8'+$%+ .d R&%$/ +&r9$7&+
♦ R&%$/ F 8r'd!7%+*
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1* PERSONA$ FINANCE.
M"t#a#!s
I. #. ': %& #r5&%+ ;&r& +%.drd 7r%&r&d '8&r%&, &+8&7$// $. 5& #r5&%+
': H'.6 K'.6, S$.68'r&, M/+$, %& r& r&8'r%&d %' "& %& #r5&% /&d&r :'r
#'r%66&+* T&$r &=8&r$&.7&d .d d&d$7%&d %&#+ ;$// 6!$d& %& $.d$9$d!/ $.
&9&r +$.6/& +%&8 %' &."/& $# +#''% .d ++$&-:r&& &=8&r$&.7&, '::&r$.6 $#
r%&+ .d r&8#&.% 8756&+ #'+% +!$%"/&, +%r% " %r$.6 '!r $.+%.% 88r'9/4
+&r9$7&*
Un%;u! &!atu!s/
♦ L'; $.%&r&+% r%&+, '8%$'. ': :/% 'r r&d!7$.6 $.%&r&+% r%&+*
♦ L'; EMI (&!%&d #'.%/ $.+%//#&.%+)*
♦ N' $dd&. 7'+%+ /$5& 8r'7&++$.6 7r6&* E9&r%$.6 $+ d'.& !8 :r'.%*
♦ !$75 88r'9/ .d r&/$
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♦ T= "&.&:$%+*
♦ N' !.:$r 7'//%&r/ d.d+*
♦ A +$#8/& #'r%66& 8r'7&++*
Personal loans
S%.drd Cr%&r&d ".5 &/8+ %& 7!+%'#&r %' d& $. 7'.%r'/ ': $+&r ';.:$..7&+* P&r+'./ /'.+, ;$%'!% . 6!r.%&&+ 'r 7'//%&r/+, r& 9$/"/& %'
7!+%'#&r %' #&&% +8&7$:$7 7r&d$% .&&d+* C''+& $.+%//#&.% /'. 'r R&9'/9$.6 /'.,
;%&9&r +!$%+ "&+%* W&%&r 8/..$.6 97%$'., r&-d&7'r%$.6 '#&, 8$.6 :'r
7$/d+ 7'//&6& &d!7%$'., 'r +$#8/ ;$+ %' 9& +%.d" /$.& ': 7r&d$% :'r
!.:'r&+&&. &=8&.+&+, S%.drd Cr%&r&d B.5+ 8&r+'./ /'.+ 7. &/8 :!/:$// %&
dr&#+*
P&r+'./ /'. $+ +8&7$// d&+$6.&d %' 6&% %& #'.& .&&d $. %$#&, ;$%'!% 9$.6
%' .+;&r !..&7&++r !&+%$'.+, .d ;$%'!% . 7'//%&r/ 'r #'r%66&+*
Un%;u! &!atu!s/
♦ C''+& %& r&8#&.% 8/. #'+% 7'.9&.$&.%, r.6$.6 :r'# 7'#87% 1?-
#'.%+ 8&r$'d %' 7'#:'r%"/& 0-#'.% +8.*
♦
Fr&& %' !+& %& #'.& :'r r&.'9%$.6 '!+& 'r #&&%$.6 +'#&!.&=8&7%&d &=8&.+&+ &%7*
♦ N' 7'//%&r/ 'r +&7!r$%*
♦ !$75 .d &+ 8r'7&++$.6*
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0. CREDIT CARDS
S%.drd Cr%&r&d 9$+ .d M+%&rCrd 7r&d$% 7rd+
S%.drd Cr%&r&d 7r&d$% 7rd+ 8r'9$d& :$..7$/ :/&=$"$/$%, ;'r/d;$d&
77&8%.7&, .d r'!.d- %&- 7/'75 7'.9&.$&.7&*
B!n!&%ts/
♦ W&/7'#&d % %& /r6&+% .!#"&r ': #&r7.% '!%/&%+ 7r'++ %& ;'r/d*
♦ R&9'/9$.6 7r&d$% :7$/$%, //';$.6 r&8$.6 7rd '!%+%.d$.6 '9&r
%$#&, % 7'.9&.$&.7&*
♦ C+ ;$%dr;/ $. /'7/ 7!rr&.7 % V$+ .d M+%&rCrd /$.5&d
ATM+ 7r'++ %& ;'r/d*
♦ P/%$.!#, G'/d 'r C/++$7 7rd+ %' +!$% /$:&+%/& .d .&&d+*
♦ S#r% 7r&d$% 7rd+ ;$% +8&7$/ 8r$9$/&6&+ .d +&7!r$%*
♦ A%%r7%$9& r&;rd+ 8r'6r#+*
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♦ A::$.$% .d 7' "r.d&d 7r&d$% 7rd+ %% 6$9& dd$%$'./ "&.&:$%+ :r'#
'!r 8r%.&r+*
♦ W'r/d-7/++ +&r9$7& ++$+%.7& .d ?2-'!r 7!+%'#&r &/8 /$.&*
2. PRIORITY BANKING
E=8&r$&.7& .&; S%.drd+ $. ".5$.6* A.d /&d /$:& ': 8r$9$/&6& .d 8r&:&rr&d
:$..7$/ +'/!%$'.+ %$/'r&d 8&r:&7%/ :'r '! ;$% 8r$'r$% ".5$.6 :r'# S%.drd
Cr%&r&d*
D&+$6.&d +8&7$// :'r %'+& ;' 88r&7$%& './ :$.&+% %$.6+ $. /$:&, 8r$'r$%
".5$.6 '::&r+ %& 9&r $6&+% /&9&/+ ': 8&r+'./$
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♦ P&r+'./$
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r'!.d %& ;'r/d, $% 7. "& ++!r&d ': d$::&r&.% $.9&+%#&.% '8%$'.+ .d ;&/% ':
$.:'r#%$9& .d r&/&9.% !8d%&+*
W$% %r$.&d $.9&+%#&.% +&r9$7&+ 7'.+!/%.%+ :r'# 7'!.%r$&+ r'!.d %& 6/'"&, %&7. &/8 %' #5& %& r$6% $.9&+%#&.% d&7$+$'.+* U+$.6 !.$!& r$+5 &9/!%$'. %'
6!6& %& /&9&/ ': r$+5 7!+%'#&r 7. "& 7'#:'r%"/& ;$%, 7'!8/&d ;$%
8r'8r$&%r :!.d &9/!%$'. 8r'7&++ %' $d&.%$: :!.d+, ++&++ r$+5+ .d +'r%/$+% %'8-
8&r:'r#$.6 :!.d+ 7!+%'#&r 7. "& &.+!r&d ': 8&r+'./$
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=. INSURANCE
S%.drd Cr%&r&d r&7'6.$. DEPOSITS AND RETAI$ SERVICES
D!)"s%ts
S%.drd Cr%&r&d '::&r+ ;$d& rr ': d&8'+$% 8r'd!7%+ $. "'% /'7/ .d
:'r&$6. 7!rr&.7$&+ %' &/8 %' &r. 7'#8&%$%$9& $.%&r&+% r%&+* T&$r $.%&r.%$'./
.&%;'r5 '::&r+ . &=%r 7'.9&.$&.7& ;$/& "r'd* I. +'#& 7'!.%r$&+, %& '::&r
8r$!# $.%&r&+% +9$.6+ 8/.+ /$5& H$6&r Ed!7%$'. F!.d+ %' %!r. %& dr&#+
$.%' r&/$%*
R!ta%l s!3%'!s
S%.drd Cr%&r&d '::&r+ 7'#8r&&.+$9& r.6& ': r&%$/ +&r9$7&+ $. #.
7'!.%r$&+* T&+& $.7/!d&+
♦ A!%'#%&d ".5$.6 +&r9$7&+*
♦ D.d dr:%+*
♦ F'r&$6. &=7.6& +&r9$7&+*
♦ L'7/ .d :'r&$6. 7!rr&.7 7&!&+*
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♦ S:& d&8'+$% "'=&+*
♦ T&/&6r8$7 %r.+:&r+*
♦ Tr9&/&r+ 7&!&+*
?. RETAI$ F@ PRODUCTS
S%.drd Cr%&r&d $+ .'; '::&r$.6 9/!"/& 7!+%'#&r+ . &+ .d :/&=$"/& ; %'
$.9&+% $. :'r&$6. 7!rr&.7$&+* T& 8r'9$d& $6 :/&=$"$/$% %' &."/& +'8$+%$7%&d
$.9&+%'r+ %' 78$%/$
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ADDITIONA$ SERVICES
+. INTERNET BANKING
Y'!r& ".5$.6 .&&d+ .'; %5&. 7r& ': % %& 7/$75 ': #'!+&* W$% +&7!r&
I.%&r.&% ID .d P++;'rd, 7!+%'#&r 7. /'6$. .d %5& 7r& ': $+&r ".5$.6
.d 7r&d$% 7rd .&&d+ % $+&r 7'.9&.$&.7& .d %$#&* N' #'r& !&!&+, .' #'r&
;$%$.6*
0. PHONE BANKING
A+ 8r% ': 7'##$%#&.% %' #&&%$.6 // .&&d+, S%.drd Cr%&r&d '::&r P'.&
B.5$.6 A +&r9$7& %% &."/&+ '! %' 77&++ ;&/% ': :$..7$/ $.:'r#%$'.,
?2 '!r+ d, 3 d+ ;&&5*
Th"u#h Ph"n! Ban-%n#/
♦ C&75 '!r 77'!.% "/.7&*
2
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♦ G&% d&%$/+ "'!% +8&7$:$7 %r.+7%$'.+*
♦ I.!$r& "'!% %& +%%!+ ': 8r%$7!/r 7&!&*
♦ Ord&r d.d dr:%+*
♦ Tr.+:&r :!.d+ #'.6+% '!r /$.5&d 77'!.%+*
♦ G&% $.:'r#%$'. '. d&8'+$% r%&+, /&.d$.6 r%&+, &=7.6& r%&+ .d ".5
7r6&+*
♦ A77&++ $.:'r#%$'. . . ': '!r 8r'd!7%+ .d +&r9$7&+*
♦ C// r''# +&r9$7&+ %' '8&. '!r 77'!.%*
♦ M5& 7'#8/$.%+ .d +!66&+%$'.+*
2. MOBI$E AND E6MAI$ A$ERTS
S%.drd Cr%&r&d /;+ %r .d #5& /$:& +$#8/&* M'"$/& .d E-#$/ A/&r%++&r9$7& $+ d&+$6.&d >!+% :'r %%*
2* SMART FI$$ DEBIT CARD
S#r% :$// D&"$% 7rd, /!.7&d $. ++'7$%$'. ;$% Br% P&%r'/&!#, ;$// &/8 %'
+9& '. :!&/ 8!r7+&+ .d &9&. 6&%+ '! :r&& :!&/*
Un%;u! &!atu!s/
♦ Er. r&;rd 8'$.%+ &9&r %$#& '! !+& %& 7rd %' #5& 8!r7+&+ .;&r&,
;$7 '! 7. %&. r&d& :'r :!&/ % +&/&7% Br% P&%r'/&!# '!%/&%+*
2
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♦ W&. %& 7rd $+ !+& %' #5& 8!r7+&+ % +&/&7% Br% P&%r'/&!# '!%/&%+, %&
7!+%'#&r d'.% 9& %' 8 %& ?* +!r7r6& /&9$&d '. #'+% 7r&d$% 'r d&"$%
7rd+*
♦ S#r% :$// d&"$% 7rd $+ 6/'"// 9/$d* I% 6$9&+ 77&++ %' 1? #$//$'.+ #&r7.%
&+%"/$+#&.%+ ;'r/d;$d& .d '9&r , $. I.d$*
♦ A 7!+%'#&r 7. 77&++ '9&r 0 ATM+ $. I.d$ :'r FREE .d '9&r 3,
ATM+ ;'r/d;$d& %r'!6 %& V$+ ATM .&%;'r5*
♦ T& 7rd 6&%+ . &=7/!+$9& d$+7'!.% ': % +&/&7% I. O!% +%'r&+ % Br%
P&%r'/&!# '!%/&%+, "&+$d&+ "&.&:$%+ % /&d$.6 r&%$/ '!%/&%+ .d r&+%!r.%*
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S%.drd Cr%&r&d $.%r'd!7&+ ECS (E/&7%r'.$7 C/&r$.6 ++%), . $..'9%$'.
:7$/$% :'r "!+ 8&'8/&* W$% %$+ :7$/$%, 7rd "$// #'!.% !%'#%$7// 6&%+
d&"$%&d :r'# '!r +9$.6 ".5 77'!.%*
S' %% 7!+%'#&r d'&+.% 9& %' ;'rr "'!% /+% #$.!%& 8#&.% r!+, +$.7& %$+
&.%$r& 8r'7&++ 88&.+ %r'!6 %& R&+&r9& B.5 ': I.d$ &/&7%r'.$7 7/&r$.6
#&7.$+#, 7!+%'#&r 7. &.>' %& d9.%6&+ ': ECS*
?. FA@ BANKING
I%+ %& #'+% &::$7$&.% ; %' +% '. %'8 ': %& "!+$.&++ :$..7&* E9&r d,
S%.drd Cr%&r&d := r&8'r% ': // %r.+7%$'. #d& %& 8r&9$'!+ d, 7!+%'#&r
;$// +%$// r&7&$9& $+&r r&6!/r #'.%/ +%%&.%+*
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Cha)t! 4
ACCOUNTS
2
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MA!NTA!N!NG ACCONT# W!T( #TANDA$DC(A$TE$ED
DEPOSITS
DEMAND DEPOSITS TIME DEPOSITS
SAVINGS A9C CURRENT A9C FI@ED DEPOSITS
2
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A X CESS P$US A9C SUPER VA$UE A9C PARIVAAR A9C SARA$ A9C
DEMAND DE&O#!T#
SAVINGS ACCOUNT
S%.drd 7r%&r&d $.%r'd!7&+ 7&++ 8/!+ r&9'/!%$'.r +9$.6+ 77'!.% %%
8r'9$d&+ ;$% !.8r//&/ 77&++ %' #'.&* A. 77'!.% 8r$#r$/ '8&.&d :'r .d
'8&r%&d " $.d$9$d!/+, ;&r&$. %& .!#"&r+ ': %r.+7%$'.+ r& :&; .d ;$7
6$9& %& 7!+%'#&r /$!$d$% ;$% %& :7$/$% %' &r. +'#& $.%&r&+% '. %& r&+$d!/
"/.7&*
W$% %& 7&++ 8/!+ 77'!.% %& 7!+%'#&r 7. .'; 7&++ 7+ % '9&r 1
ATM+ $. I.d$ %' :r&& .d % '9&r ,, ATM ;'r/d;$d& %r'!6 %& 9$+
.&%;'r5* B&+$d&+ & 7. !+& $+ 77'!.% %' +'8 :'r 6''d+ .d +&r9$7&+ % '9&r
?, '!%/&%+ $. I.d$ .d % 1 #$//$'. '!%/&%+ ;'r/d;$d&, ;$%'!% &9&r .d/$.6
%' 7rr 7+*
T& 7&++ P/!+ 77'!.% 8r'9$d&+ ;$% 6/'"// 9/$d d&"$% 7rd %% 8r'9$d&+
%&+& .d '+% ': '%&r &=7$%$.6 "&.&:$%+*
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Un%;u! &!atu!s
T&r& r& +&9&r/ !.$!& :&%!r&+ "'!% %& +%.drd 7r%&r&d ".5+ 7&++ P/!+
77'!.%, &7 d&+$6.&d %' 8r'9$d& %& #'+% 7'.9&.$&.% ".5$.6 &=8&r$&.7& 7.&9&r 6&%Q
♦ Fr&& 7&++ %' 7+ % '9&r 1 ATM+ $. 0 7$%$&+ $. I.d$
♦ G/'"// 9/$d d&"$% 7rd
♦ T& d&"$% 7. "& !+&d %' #5& 8!r7+& % '9&r ?, #&r7.% '!%/&%+ $.
I.d$ .d % '9&r 1 #$//$'. '!%/&%+ ;'r/d;$d&*♦ P'.& ".5$.6, $.%&r.&% ".5$.6, M!/%$7$% ".5$.6 .d 0 d+
"r.7&+, &=%&.d&d ".5$.6 '!r+, /'75&r+ :7$/$% .d d''r+%&8 ".5$.6*
♦ U.$!& :r&& $.+!r.7& "&.&:$%+ /'+% 7rd $.+!r.7&, 8!r7+& 8r'%&7%$'.
.d 8&r+'./ 77$d&.% 7'9&r*
♦ E=7$%$.6 !+6& "&.&:$%+ +!7 + %r9&/ 7+ "75 d$+7'!.% '. $r :$r, r+'$
'.6'$.6 8r$9$/&6&+ $. r&+%!r.%+, :"d&/+ +8&7$/ 8r$9$/&6&+ :'r +'88$.6
% +&/&7% #&r7.% '!%/&%+ &%7*
0 *%n 6+ A''"unt
A !.$!& 77'!.% %% '::&r+ '! d'!"/& d9.%6& /&%%$.6 '! &r. %& $6
$.%&r&+% r%& ': :$=&d d&8'+$% ;$/& '! &.>' %& :/&=$"$/$% ': +9$.6+ .d
7!rr&.% 77'!.%*
Un%;u! &!atu!s/
♦ Er. :$=&d d&8'+$% $.%&r&+% r%&+
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8; =onths 7 less than 9< =onths ;0864
9< =onths 7 less than ;> =onths ;06-4
;> =onths 7 less than
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♦ A :#$/ 7. #$.%$. $.d$9$d!/+ +9$.6+ 77'!.% ;$% %& "&.&:$% ':
7/!""$.6 "/.7&+ $. %& 6r'!8&d 77'!.%+
♦ A%%r7%$9&/ 8r$7&d &/% $.+!r.7& '8%$'.+ %' 8r'%&7% 6$.+%
!.:'r&+&&. &9&.%+
♦ Fr&& 77$d&.% '+8$%/$
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♦ H$6 /$!$d$%
♦ U./$#$%&d %r.+7%$'.
♦ @&r' $.%&r&+%
♦ A. "r.7 ".5$.6
CONC$USION
W$% &r+ ': ".5$.6 &=8&r$&.7&, S%.drd Cr%&r&d $+ !.d'!"%&d/ $. +%r'.6
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0. NEED A CHANGE IN MARKETING FOCUS
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