Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
On the Basis of
Submitted To Submitted
By
Mr. Vijay Nagrani Vedansh
Jain (56)
Shish kant
(48)
1
CONTENT
S.NO PARTICULAR Page No.
1 ACKNOWEDGEMENT 3
2 EXECUTIVE SUMMARY 4
3 INTRODUCTION
Axis Bank 5
Yes Bank 6
Kotak Mahindra Bank 7
4 COMPARISON
Product 8
Price 10
Place 10
Promotion 11
People 12
Process 12
Physical evidence 13
5 SWOT ANSLYSIS 14
AXIS Bank 19
YES Bank 21
Kotak Mahindra Bank 23
6 APPENDIX 25
2
ACKNOWLEDGEMENT
3
EXECUTIVE SUMMARY
4
well-trained sales force to develop and sustain long-term
profitable customer relationship.
Axis Bank was the first of the new private banks to have begun
operations in 1994, after the Government of India allowed new
private banks to be established. The Bank was promoted jointly by
the Administrator of the specified undertaking of the Unit Trust of
India (UTI - I), Life Insurance Corporation of India (LIC) and
General Insurance Corporation of India (GIC) and other four PSU
insurance companies, i.e. National Insurance Company Ltd., The
5
New India Assurance Company Ltd., The Oriental Insurance
Company Ltd. and United India Insurance Company Ltd.
The Bank has strengths in both retail and corporate banking and
is committed to adopting the best industry practices
internationally in order to achieve excellence.
6
truly partner to direct, manage and accelerate the development of
YES BANK as the Young and Dynamic Bank of “Emerging India”.
Our Objectives
To ensure that the Bank is able to attract, engage and retain high
quality human capital for its long-term success.
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INTRODUCTION KOTAK MAHINDRA BANK
Kotak Mahindra Bank has over 217 branches spread across 126
locations in the country offering both traditional banking products
and investment advisory services. The Bank has the products, the
experience, the infrastructure and most importantly the
commitment to deliver pragmatic, end to- end solutions that
really work.
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The Bank offers comprehensive business solutions that include
Trade Services, Cash Management Service and Credit facilities,
keeping in mind the needs of the business community.
PRODUCT
AXIS BANK YES BANK KOTAK BANK
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• Corporate • Corporate • Corporate
Finance Finance Finance
• Treasury • Treasury • Treasury
• Investment • Investment • Investment
Banking Banking Banking
• Institutional • Institutional • Institutional
Equities Equities Equities
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• Car Finance
• Commercial • Car Finance • Car Finance
Loans • Commercial • Commercial
• Home Loans Loans Loans
• Personal Loans • Home Loans • Home Loans
• Loans Against • Personal Loans • Personal Loans
Property
• Loans Against • Loans Against
• Agriculture Property Property
Loan
PRICE
AXIS BANK YES BANK KOTAK BANK
The RBI and the IBA are concerned with regulations. The rate of
interest is regulated by the RBI and other charges are controlled
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by IBA.
PLACE
AXIS BANK YES BANK KOTAK BANK
PROMOTION
AXIS BANK YES BANK KOTAK BANK
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Movies Movies
Theatres
Print Media: Print Media: Print Media:
Hoardings Newspaper Hoardings
Newspaper Magazines Newspaper
Magazines Magazines
PEOPLE
AXIS BANK YES BANK KOTAK BANK
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14000 Employee base 3150 Employee Base 9800 Employee Base
PROCESS
AXIS BANK YES BANK KOTAK BANK
14
PHYSICAL EVIDANCE
AXIS BANK YES BANK KOTAK BANK
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SWOT ANALYSIS OF BANKS
STRENGTH
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balance sheets relative to other banks in comparable
economies in its region.
17
WEAKNESS
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• Refusal to dilute stake in PSU banks: The government
has refused to dilute its stake in PSU banks below 51% thus
choking the headroom available to these banks for raining
equity capital.
• Impediments in sectoral reforms: Opposition from Left
and resultant cautious approach from the North Block in
terms of approving merger of PSU banks may hamper their
growth prospects in the medium term.
OPPORTUNITY
19
• Banks will no longer enjoy windfall treasury gains that the
decade-long secular decline in interest rates provided. This
will expose the weaker banks.
20
• With the growth in the Indian economy expected to be strong
for quite some time-especially in its services sector-the
demand for banking services, especially retail banking,
mortgages and investment services are expected to be
strong.
• the Reserve Bank of India (RBI) has approved a proposal
from the government to amend the Banking Regulation Act
to permit banks to trade in commodities and commodity
derivatives.
• Liberalisation of ECB norms: The government also
liberalised the ECB norms to permit financial sector entities
engaged in infrastructure funding to raise ECBs. This enabled
banks and financial institutions, which were earlier not
permitted to raise such funds, explore this route for raising
cheaper funds in the overseas markets.
• Hybrid capital: In an attempt to relieve banks of their
capital crunch, the RBI has allowed them to raise perpetual
bonds and other hybrid capital securities to shore up their
capital. If the new instruments find takers, it would help PSU
banks, left with little headroom for raising equity.
Significantly, FII and NRI investment limits in these securities
have been fixed at 49%, compared to 20% foreign equity
holding allowed in PSU banks.
THREATS
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• Threat of stability of the system: failure of some weak banks
has often threatened the stability of the system.
• Rise in inflation figures which would lead to increase in
interest rates.
• Increase in the number of foreign players would pose a
threat to the PSB as well as the
private players.
1. STRENGTH
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• Corporate Banking: Current Account deposits grew by 24%
yoy, from Rs. 20,045 crores as at end March’08 to Rs. 24,822
crores as at end March’09.
• Strong technology
2. WEAKNESS
• Not having Image UTI (fraud)
• Higher cost
• Customer service
3. OPPORTUNITY
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4. THREAT
1.STRENGTH
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• World-Class Team, Based On Professional Recruitment
Methodologies, And Attract The Best Talent In The Industry
2. WEAKNESS
• Unknown brand
3. OPPORTUNITY
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• Other activity(insurance, stock broking, mutulfund)
4. THREAT
• Government Policy
1.STRENGTHS:
• Capital markets franchise
• Professional management
• Strong technology
• Well capitalized
• Construction equipment financing business
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• Capturing supply chain businesses
• NPA is at 1.30%
• Total Deposits Rs 15,645 crore
• Net Advances Rs 16,625 crore
• Capital Adequacy Ratio 16%
2.WEAKNESS:
• Wholesale Funding Costs
• Latecomers
• Less Promotional Activities
3. OPPORTUNITIES:
• Low loan and retail penetration
• Stressed Asset Business
• Plans to invest Rs. 120 crores over three years for
infrastructure, technology and personnel
4. THREATS:
• Capital Market slow-down
• Competition
• Rising Rates
• Other better Saving, investment option available (like
Insurance, Mutulfund, Real-estate, Gold)
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• Government Rules And Regulation
APPENDIX
• Website
• Newspaper
• Magazine
• Annual Report
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