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Marketing Of Financial Services

Group membersRoll no.Sameer jadhav511Priyanka limbachiya512Krishna mehta513Mudra mehta515Yash mehta516Richa modi517Tushar mota518Devanshi parekh 519Dixita parmar520

Introduction to Financial Instruments

The written legal obligation of one party to transfer something of value, usually money, to another party at some future date.

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Meaning of Financial InstrumentsFinancial products are the products offered by banks, credit card companies, insurance companies, consumer finance companies, stock brokerages, and some government sponsored enterprises.

Generally they involves every type of product where consumer is putting his money and getting some product which involves the complexities of risk, return, volatility etc.

There are many companies who are dealing directly into the business of financial products.

Definition of Financial Instruments Financial instruments are defined as any contracts that gives rise to financial assets of one entity and financial liability or equity instruments of other entity.

A real or virtual document representing a legal agreement involving some sort of monetary value.

In today's financial marketplace, financial instruments can be classified generally as equity based, representing ownership of the asset, or debt based, representing a loan made by an investor to the owner of the asset.

marketing of banksPUBLIC RELATIONSSELLING PROMOTIONAL TOOLSINTERNAL MARKETINGNETWORK MARKETINGRELATIONSHIP MARKETINGUSE OF TECHNONOLYUSE OF HR

Some Innovative Strategies Put comedy routines into your on-hold messages.Put Easter eggs on your website.Put some fun into your ATM receipts.

Taking Mobile Bank Marketing OutsideGamify banking. Lost wallets. Make your recruitment ads fun.Use toy cars to sell auto loans.Creative News paper advertisement.

Money MarketAs money became a commodity, the money market became a component of the financial markets for assets involved in short term borrowing, lending, buying and selling with original maturities of one year or less. Trading in the money market is done over the counter and is wholesale.Various instruments exist, such as Treasury bills, Commercial paper, Certificate of deposit, Bills of exchange, repurchase agreements, etc.

Treasury BillsT-bills offer short term investment opportunities, generally up to one year.They are useful in managing short term liquidity.At present, the government of India issues three types of treasury bills through auctions, namely, 91-day, 182-day and 364-day.There are no treasury bills issued by state governments.

Marketing strategy- knowing your customersUnderstanding your customerMarket researchCustomer segmentsHow to measure up

Marketing strategy- making a planMarketing planTo talk to target customersTiming activitiesMeasure progress regularly

Marketing Strategies Of Certificate Of Deposits

IntroductionThe certificates of deposit are basically time deposits that are issued by the commercial banks with maturity periods ranging from 3 months to five years. The return on the certificate of deposit is higher than the Treasury Bills because it assumes a higher level of risk.

Investment Strategies for Certificate of DepositSetting Up a CD LadderA CD as Part of a Growth StrategyHedging and Speculating

Advantages of Certificate of Deposits1. Since one can know the returns from the certificates of deposits are considered much safe.2. One can earn more as compared to depositing money in savings account.3. The Federal Insurance Corporation guarantees the investments in the certificate of deposit.

INSURANCEA contract in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. It is a form ofrisk managementprimarily used tohedge against the risk of a contingent, uncertain loss.There are different types of insurance like life, marine, fire, health etc.

MARKETING OF INSURANCEHarness the power of Internet.Good Old Telemarketing.TV Advertising.

CONTD..Customer Appreciation Party.T-shirts.Send Holiday or Birthday Cards.

BondsInfinance, abondis an instrument of indebtedness of the bond issuer to the holders.It is a debtsecurity, under which the issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay theminterest(thecoupon) and/or to repay the principal at a later date, termed thematuritydate.Interest is usually payable at fixed intervals (semiannual, annual, sometimes monthly). Very often the bond is negotiable, i.e. the ownership of the instrument can be transferred in the secondary market.

Marketing StrategiesClarify Business ObjectivesUse Innovation Teams to Identify, Evaluate and Activate Emerging OpportunitiesDecouple Strategy and InnovationBuild Open Assets in the Marketplace

SHARES

The capital of a company is divided into shares. Each share forms a unit of ownership of a company and is offered for sale so as to raise capital for the company.

To raise the money the company issues share , but what is the 1st step to issue the share s?

Its marketing.

How to do marketing of shARES? To issue IPOGive good information in the prospectusTransparency to the clientAdvertisement in the reputed newspaper.

Mutual fundDefinition: An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money managers, who invest the fund's capital and attempt to produce capital gains and income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus.

One of the main advantages of mutual funds is that they give small investors access to professionally managed, diversified portfolios of equities, bonds and other securities, which would be quite difficult (if not impossible) to create with a small amount of capital. Each shareholder participates proportionally in the gain or loss of the fund. Mutual fund units, or shares, are issued and can typically be purchased or redeemed as needed at the fund's current net asset value (NAV) per share, which is sometimes expressed as NAVPS.

Marketing of mutual fund in IndiaDistribution: Mutual fund investments are sourced both from institutions (companies) and individuals. Since January 2013, institutional investors have moved to investing directly with the mutual funds since doing so saves on the expense ratio incurred. Individual investors are, however, served mostly by Investment advisor and banks. Since 2009, online platforms for investing in Mutual funds have also evolved.

How companies promote their productsCertified agents(sale and distribution) certification from the national institute of securities market(NISM).Service centersCompany web portalLittle promotion in print media Outdoor advertising through large size bill boards/hoardingsRetail bank90% of the customers said that they would prefer to buy mutual fund products from banks due to existing personal relationship with banks.