Internet Bank Analysis - 3 Banks Website - Academic Assignment - Top Grade Papers

Internet Bank - Comparison
GET YOUR WORK DONE BY www.TopGradePapers.com
Common Wealth Bank

Common Wealth Bank is the primary company whose website will be compared to its
13 C of Internet Marketing. We start with the Domain analysis of the website Domain:
Common Wealth Bank had used the short form of the name as their web address. It may be the reason for the convenience of the customers and the users.
The Domain is .au and the complete web address is www.commonbank.au This domain name is easy to remember for the customers and the users who search for this banks web or if they have to memorize it. Memorizing of the name also plays an effective
To p
Comparison
Gr a
reflects the banks name as well. Search Engine Position: information on the website.
role in customers access to that website. And if we look at this address its simple and
The major search Engine is Google, which is mostly used by all over the world by millions of users every hour (Sullivan, 2007). By putting the different Key words for the Common Wealth Bank, we found that, the website is searched and is in sponsored link as well. And is clearly presented by even major links of the web like Log on, Contact us, Personal, Home Loans, Tools and Calculations, Rates and Fees, Accounts and Find us. Also this searched and well presented link includes the Search in Common Wealth Bank tab, for easy access to
de P
ap
er s
Page 1
closest two competitors. We have analyzed the Common Wealth Banks website using the
Snapshot 1-Common Wealth Bank Search Engine Result
13Cs and Marketing Factor Analysis: 1. Condition
To p
Comparison
Gr a
2. Context:
When you first open the website of the Common Wealth Bank, its very simple, clear and highly navigated. One can easily find the appropriate link of the purpose by just not more than two clicks. The navigation style they had used is very helpful for attracting clients, and for easy access of information and internet based services by the bank. The overall impression of the website is also not so much bulky nor seems to be over crowded and clustered information. There is a video ad that has been used, but a very professional look with best and finished graphics, presenting a user friendly overlook. Below is the snapshot of the home page of the website.
de P
Page 2
ap
er s
Below is the logo of the common wealth Bank. The color scheme for the website is
To p
Comparison
Gr a
pale yellow and black. The website has this color scheme throughout the pages. And this is their basic color line as well.
But Common Wealth Bank has also showed an effective marketing strategy by showing collaboration with their social responsibilities and collaborators with their color schemes. As now days they have changed their color scheme to Pink and black, because they want to show the support to the Breast Cancer. They have also place a promotion sign on the main page of the website. Page 3
de P
Snapshot 2- Home Page view of the Common Wealth Bank
Snapshot 3 - Logo of Common Wealth Bank [normal]
ap
er s
Snapshot 4- Logo Common Wealth Bank [Supporting for Breast Cancer]
To p
Comparison
Gr a
effective mode of expression.
Thus the design and layout of the website is same throughout across the country,
but they change accordingly to support their collaborators. But still the main theme always remains consistent. For a bank showing their corporate social responsibility, this is a very
The search facility is very effective as well; the website has a search option on every page on top right side. When we enter keywords, it returns with the very relevant results. Thus it seems there will be very less use of the search option because of the very clear, and user
de P
Snapshot 5- Common Wealth Bank Layout for support for BCIA
ap
Page 4
er s

friendly navigation for the customers and users, but still if there is a need to use it, it will function effectively. Please consider the snapshot below depicting the results of Capital from the website.
To p
Comparison
Gr a
Snapshot 6 - Search results for "Capital"
3. Conventions: If we compare the website of CWB, we can see that though the bank is not using some new techniques, to support help customers attention or In providing convenience but the presentation is very effective. i.e. the customer dont has to pay more time on the website to find its appropriate link. As on the main page there are Page 5
de P
ap
er s

general links for each category of customer for instance, Personal, Business or Corporate. The new promotions are big and wide to display with appropriate information on them and are going with the theme of the website. As they are not
interactive presentation to use.
The CWB webs is more focused for the customers/users to find their appropriate
hand they also avoid making too much clustered information over crowded on the page. Thus I must say that this is very effective way of presenting the information for a bank using the convenient tools and techniques. There are online buttons, Personal, Business and Corporate, about us, Ads, and Videos. And direct selection to apply for any service on the right. 4. Customer Focused:
To p
Comparison
Gr a
CWB website is very focused for each category of customer, to reach to its destination of the required information on the web. As we can see from Figure -1 that the each category of customer is being focused using the tabs and links on the main page, to direct the user/customer to that page. The major categories that can be seen from the website are Personal, business and corporate. Now in these categories they have also focused narrowly on the users, who came online for the web information or to use the online net bank services. So the website is also focusing on those, by providing the appropriate links on the whole page. Moreover there is also the menu for the press release/ News and Media. And the interesting thing is that, they had the record of all the news and media in archive from last 9-10 years of data. It depicts how much deeply focused they are for not only the Page 6
de P
ap
link on the main page, rather searching them under the categories. On the other
er s
looking something placed from outside of the website. Giving the customer/user an

customers, but also the users of information seekers or we can say the prospective/potential customers. They also have the feature to increase or decrease font accordingly to the customer requirement for the people with sight problems.
Online they are not involved in any kind of customer to customer community which
interact customers with each other for sharing information. But the Bank is involved
the tab of About us , there is a link in the community. Here you can find how interactive the customers are which belongs to the bank. They had introduce the Youth Programs, the money management workshops etc.. 6. Customization:
The website of the CWB is made for purpose of providing services to clients and information to the users and customers. So the visitor dont stay longer on the
To p
visitor. Comparison
Gr a
7. Connection:
website, the purpose is subject to service. Thus the customization option is not available for the website. But the standardized and convenient lay out and designs are made so that the customer can easily have access to the required section. The built of the website is such that it reduces the clicks for the visitor. This helps in increasing the potential customers, by giving the information effectively to the
Site dont contains any RSS. The News letter and other information is available and easy to access by the visitors. Thus the visitors can come online to visit this site and access to the information. On the other hand, the subscription for the newsletter
de P
ap
in many outside activities, where they share the achievements. For instance under
er s
Page 7
5. Community:

and other media activities is available for the customers through email. This is also optional. 8. Commerce:
through the website but other modes, as debit cards, credit cards, checks etc But there are commerce activities through the website too. A Customer can login who
any of its subsidies, to transfer funds, receive funds, Online shopping etc. These activities are common and are standardized. But again the login layout and security features are which distinguish this banks commerce activities from others. 9. Convergence:
The website of this bank can only be accessible from the mobile browsers who support html/xml. Many of the banks have purpose built websites for mobile
To p
Comparison
Gr a
menu is very effective. 10. Cross Promotions:
phones, especially smart phones and Iphones compatible. But this website doesnt have any. It may be because of the customer demand. Secondly the site is enabled on the mobile who support xml and html. But they are giving some of their services from mobile sms, rather directly from website. There is detail documentation and descriptions available for any activity or service from this website. Also the help
This website is not cross promoting in bulk , but is using the other small business activities to promote its clients usage. For instance a little ticker showing the movie timings and a discount for buying them online using common wealth account etc
de P
ap
has an account and an online banking activation through Common Wealth Bank or
er s
Page 8
As this website belongs to the Bank. The major functioning of the bank is not

11. Compliance: This website hasnt gave more attention for the visitors with more disabilities. But they have used some text size options to tackle with the common sight problem
visitors. 12. Currency:
world to deal with currency exchange issues. They have all kind of facilities like forex exchange, commodity exchange etc.. Tools and tables live, with respect to the demographics. This thing is very effective for the customer while utilizing the services using this website. 13. Corporate:
a. History:
To p
Comparison
Gr a
b. Mission Statement:
CommBank was found in 1911, and was one of the largest four banks at that time. Now Common Wealth Bank is the far most the largest market Capitalized bank. In Australia (ASX: CBA). It has businesses in Asia, Fiji, New Zealand, UK and USA. The Bank group contains a variety of businesses from Retail, insurance to funds management, investment and broking services. It is also the second largest company listed in Australian Security Exchange as in of January 2008. Today it has more than 700,000 shareholders and more than 38,000 employees. (Sullivan, 2007)
Determined to offer strength in uncertain times
de P
ap
The website if enrich with such tools to help their visitors/clients spread all over the
er s
Page 9
visitors. But there are no major W3 options available to help deaf, colorblind, blind

c. Hierarchy: Composition of the board of directors of the Common Bank is
Director
Board Membership
Committee Membership Board Performance & Renewal
Chairman Chief Executive Officer
ap
Chairman Member Chairman Chairman Member Member Member Member Member Member Member Member Member
John M Schubert Ralph J Norris Reg J Clairs, AO Fergus D Ryan
Nonexecutive, Independent Executive Nonexecutive, Independent Nonexecutive, Independent Nonexecutive, Independent Nonexecutive, Independent Nonexecutive, Independent NonExecutive, Independent NonExecutive, Independent NonExecutive, Independent NonExecutive, Independent
de P
Gr a
Colin R Galbraith, AM S Carolyn H Kay David Turner
To p
Jane Hemstritch Sir John Anderson Harrison Young Andrew Mohl
Comparison
er s
People & Remuneration Audit Risk Member Member Member Member Member Member Member Member Member Chairman Member
Page 10

14. Investors Relation To see the position of any company the information should be transparent. And to gain the strength the information and relation with the investor should be strong.
Bank. The impressive way of presenting every information, from share prices, to annual reports depicts the broadness of the aim and vision of the bank.
a. Share Price of the bank currently is $53.53, which is clearly mentioned on the
website along with the graph of the fluctuations of the shares.
To p
Comparison
Gr a
Snapshot 7- Shareholder's information on CWB Website
b. There are also many links available for the investors and easy access to the financial reports for the bank, with easy access of viewing and downloading in the pdf version. Comparisons for analysts are also available with different tools and information sets. See snapshot
de P
Page 11
ap
er s
The investors information are very clear and transparent for the Common Wealth

below
To p
Comparison
Gr a
information.
All this information is very effectively arrange on the website, keeping in mind for building the best relation with the investor giving the convenience of tools and transparent
15. The Website has clearly used its products on the pages. So that the customers /clients dont have any problem in accessing or finding to the desire product or service they are looking for. The website is not the beta version, its tested and is complete version. There are several downloadable items available including forms, reports and other guide materials for the bank services. There is a complete list of Branches and Atms of the bank available with their addresses on the website. The customers can access to this information from the front page. Website also contains
de P
Snapshot 8- Shareholder information link on CWB website
ap
Page 12
er s

the promotional ad videos in the section of Media Gallery. In short the website had used each and every possible link for the customers to access to the information, product or service that they are looking for.
Average Load time for commbank.com.au is 4.422 seconds, 77% of the websites are
faster then this (Alexa Ranking). The main page contains a section of promotion and
investors can know about it as they open the page. 17. Ranking
Alexa is the most famous web ranking website. After checking through it we have the following results on date 13-Oct 09 (Alexa Ranking) World Traffic Rank : AU traffic Rank:15 : 1425
To p
Comparison
Gr a
Bangladesh China USA = 1301 = 24610 = 44056
More details on Ranking of CommBank from the world
Users of CommBank from around the world who visit the page
de P
15
ap
introduction to the new product and services so that, the customers/users or
er s
Page 13
16. Clicks:
ap
To p
Gr a
(Alexa Ranking) Search Terms Driving Traffic The keywords which brings the links of the CommBank from search engines are Comparison
de P
Page 14
Which Link users go on commbank.com.au:
er s
(Alexa Ranking)
(Alexa Ranking)
Demographics receive by Alexa for the CommBank.com.au for the audience who visits the website are
To p
Comparison
Gr a
Page 15
de P
ap
er s
Australia and New Zealand Bank
competitor of Common Wealth Bank. We are focusing on its website marketing using the same internet marketing 13Cs and some other marketing Factors, which have used for
CommBank. This bank website is being compared with the CommBank, in every aspect to
analyze its internet marketing as being the closest competitor. Lets starts with the domain. Domain:
Australia and New Zealand Bank or ANZ Bank as mentioned earlier is the closest competitor of the CommWealth bank. The name ANZ is very short and convenient for the customers and users to remember and recall while using their services or surfing as compare to the
To p
Comparison
Gr a
Search Engine Position:
CommWealth Bank.
The Domain is .com and .com.au ; the complete web address is www.anz.com ANZ uses its name in it as ANZ in the web address. So its very easy for their customers and users to remember it. Also the two domains helps them in providing convenient to their customers/users in exploring the website.
The major search Engine is Google, which is mostly used by all over the world by millions of users every hour (Sullivan, 2007). By putting the different Key words for the ANZ Bank, we
de P
ap
er s
Page 16
Australia and New Zealand Banking Group or also known as ANZ Bank, is the closest

found that, the website is a sponsored in Google and comes on the first. Its easy to search ANZ bank. Also the search items includes the complete list of links that are associated with the anz bank
To p
Comparison
Gr a
13Cs and Marketing Factor Analysis: 1. Condition 2. Context:
When you open the website of the ANZ bank, it gives you the sharp blue effect, Page 17
de P
Snapshot 9-ANZ Bank Search Engine Result
ap
er s
website or other websites, like Yahoo Finance etc..

which creates the first impact of the web as a clustered and difficult to search information or desire link. But when one spends some time on it, he/she gets used to of it and can found the links and information required. The Navigation is bit
much categorize in a manner to reduce the number of clicks, but seems more to
emphasize on the subjective information from the bank. The website had followed
irritating because of the time span of changing the ad is very less and distracts the user from being focused. As again it seems that the focus is more to bombardment of information from the bank to the visitor of the website, rather the facilitating the visitor to find the required information, product or service. Below is the snapshot of the home page of the website.
To p
Comparison
Gr a
Page 18
de P
ap
the standard layout but in a very clustered manner. The ads banner of flash is very
er s
difficult on ANZ as compared to the CommBank. The information here is not very
To p
Comparison
Gr a
basic color line as well.
Below is the logo of the ANZ Bank. The color scheme for the website is bright
yellow. The website has this color scheme throughout the pages. And this is their
The logo of the bank is very bright and is not suitable for placing it everywhere because of the background bluish color scheme. This color scheme provides resistant for adjusting the
de P
Snapshot 11 - Logo of ANZ Bank
Snapshot 10- Home Page view of ANZ Bank
ap
Page 19
er s

logo easily. But the logo is very simple and easy to remember and recall because of the use of alphabets of the short form of the bank name ANZ.
To p
Comparison
Gr a
Snapshot 3- ANZ Bank layout
The design of the Bank website is very standard, but the information seems to be
much clustered and is hard to find the required services. The layout is bluish and it may provide uncomforted zone to the visitor and he or she may not be able to spend more time effectively on the website. Mismatch of the graphics and picture icons is very commonly seen. Also it seems that there is a repetitive of information on the page. As compared to the CommBank website this websites layout is less effective and is not very much user friendly.
de P
Page 20
ap
er s

The search option is on the top right corner of the website on every page. Its effective and brings very relative results. We had tried Capital and it brings the relative links and files which has the Capital in it. All links found are with the detail description so that it makes
To p
Comparison
Gr a
3. Conventions: The ANZ bank is using the standardized layouts for the convenience of the users, but it seems that the color scheme they are using along with the information and links placement on the web is so much clustered. Which decreases the effectiveness of
de P
Page 21
ap
er s
easy for the user to find the link required. Below is the snapshot of the search results

information searching by the users and visitors on the webpage, moreover the link categorization is very over repeated which brings a bit confusion for the first time visitors to use the web.
users but is more focused on selling and compelling the users to use the services or get the information which bank want them to have. For instance if we look at the
confusing outcomes from the visitors. 4. Customer Focused:
ANZ bank is not very much focused on the customers. It seems the website is just created following the standard rules and layouts following the competitors, not adding any special tool or technique which shows the customer attention for the website. We can find out the categorization is standard, but the presentation is not
To p
are Comparison
Gr a
customer attraction. 5. Community:
effective. They had followed the standard categorizes for their shareholders, personal, business and corporate customers. Also for the information seekers. The net banking link and login form is always available on every page which is a good thing as customers dont need to go back on the home or to search for the login during the website surfing. Over all they had followed the conventional categories and didnt introduce any new thing which is giving them a competitive edge for the
ANZ bank seems to be involve in many community activities. The major categories
a. Financial literacy and inclusion Page 22

de P
ap
ads, it changes so rapidly and the color contrasts make the bad impression and
er s
It doesnt seems that ANZ banks website is more focused to the customers and

b. Community involvement and volunteering c. Indigenous communities ANZ bank has provided all the details for their community involvement and for
can learn and see the results of their involvement in any community with ANZ Bank. 6. Customization:
the user here comes just to take the services, or to fetch important information regarding that service or product. So the time they customer/users devote on the website is not that much that they require the option for customization. So ANZ is following the standard mode for all customers and users to serve them accordingly. 7. Connection:
Site dont contains any RSS. The News letter and other information is. Thus the
To p
Comparison
Gr a
8. Commerce:
visitors can come online to visit this site and access to the information. But the subscription for the newsletter and other media activities is available for the customers and also for the visitors through email. More over you can also send the desire page to the friend by just clicking on the send it to a friend links on most of the news and promotion pages.
As this website belongs to the Bank. The major functioning of the bank is not through the website but other modes, as debit cards, credit cards, checks etc But there are commerce activities through the website too. A Customer can login who has an account and an online banking activation through ANZ Bank or any of its
de P
ap
The site is a professional banking site, so the customization option is not enabled. As
er s
Page 23
visitors motivation they also had place the impact measurement section where they

subsidies, to transfer funds, receive funds, Online shopping etc. These activities are common and are standardized. 9. Convergence:
browsers who support html/xml. Many of the banks have purpose built websites for
mobile phones, especially smart phones and Iphones compatible. But like commbank
the site is enabled on the mobile that support xml and html. There is detail documentation and descriptions available for any activity or service from this website.
10. Cross Promotions:
The Bank has seasonal cross promotions with some outlets and Retail stores. But at the moment in todays date there are no cross promotions available with the bank.
To p
Comparison
Gr a
11. Compliance: 12. Currency:
The website of Anz Bank is not at all focusing on the visitors with any disability. In fact unlike CommBank they dont even have the text size option. The information is so clustered for the normal people even.
The Bank website is full of tools and information regarding the forex and investments. Below are some of the snapshots of forex and tools.
de P
ap
this website doesnt have any. It may be due to the customer demand etc.. Secondly
er s
Page 24
Like CommBank the website of this bank can also be accessible only from the mobile
Snapshot 12 Forex rates on the ANZ bank website
The bank website also has the Financial Dictionary which is a unique tool to distinguish from other banks. This dictionary contains the definitions and explanations of all the financial terms. Here is a snapshot of it
To p
Comparison
Gr a
Page 25
de P
ap
er s
To p
Comparison
Gr a
web.
ANZ Impact: is a software that is developed by ANZ for its customers to see the future impact of their financial decisions. Its very effective and complete description is available on
de P
Snapshot 13 - Financial Dictionary on the ANZ bank website
ap
Page 26
er s
ANZ Bank also has different calculators for their visitors to save time. Snap shots of some of them are below.
To p
Comparison
Gr a
Snapshot 14 - Forex Exchange Calculator
As mentioned earlier that Anz bank is dealing in the Agricultural business too. So they have interestingly provided the calculators for people in Agriculture business. Also the Australian agriculture is one of the major participants in the Australian GDP (GDP Australia - Economy).
de P
Page 27
ap
er s

Below is the Sugar Budget Planner calculator for the visitors on ANZ website.
To p
Comparison
Gr a
Page 28
de P
ap
er s
To p
History) Comparison
Gr a
13. Corporate: 8.4%. (ANZ History)
ANZ is among the largest companies in Australia and New Zealand and also a major Financial services and Banking group. ANZ includes in the top 50 banks in the world and is the fourth largest bank in Australia. Its Headquarters are in Melbourne. The Bank started functioning since 1835, and in Melbourne it started in 1838. (ANZ
Its trading symbol in both Market ASX and NZX is ANZ. ANZ recorded profits of $3.7 Billion AUD in 2008 with revenue of $10 Billion AUD with a growth rate in revenue of
de P
Snapshot 15- One of the calculator for Agriculture businessmen
ap
Page 29
er s
a. Mission Statement: The Mission of the International Financial Risk Institute (IFRI, formerly IFCI) is to provide opportunities for senior risk practitioners, especially the Chief Risk Officers of the world's major financial institutions, to discuss and
exchange ideas on both the principles and the practical application of financial risk management. The Institute thereby seeks to develop thought
professionals, with a view to enhance risk management best practice in the financial industry as a whole (ANZ Mission Statement)
To p
Comparison
Gr a
b. Objectives:
1) To provide confidential discussion forums for the most senior risk representatives of its selective club of members to address topical, complex, risk management issues.
2) To provide an occasional exchange platform for both IFRI members as well as the wider community of risk management industry bodies to leverage on the research and thought leadership work undertaken elsewhere
de P
leadership and provide learning opportunities by and for senior risk
To fulfill this Mission, the Institute has the following Four Objectives:
ap
er s
Page 30

3) To provide support to a selective network of the most senior risk professionals so that they can easily exchange and benchmark ideas and developments in risk management
4) To produce and distribute papers on topical risk management issues, aiming to link academic excellence with the practical requirements of
have been vetted and enriched by discussion with risk practitioners, as well as shorter papers and articles for a wider distribution to the financial markets and regulator (ANZ Mission Statement) c. Hierarchy:
Composition of the board of directors of the ANZ Bank is
Gr a
Charles Goode Michael Smith Dr G J Clark Mr J K Ellis Mr P A F Hay Mr H Y Lee Mr I J Macfarlane, AC Comparison
To p
de P
Our Board
ap
Board of Directors
Chairman
workable solutions. These papers include academic research papers that
er s
Chief Executive Officer Independent Non-Executive Director Independent Non-Executive Director Independent Non-Executive Director Independent Non-Executive Director Independent Non-Executive Director Page 31

Mr D E Meiklejohn Mr J P Morschel Ms A M Watkins 14. Investors Relation Independent Non-Executive Director Independent Non-Executive Director Independent Non-Executive Director
To building a strong relation with investors the information presented by the ANZ is transparent and is easy to access.
a. Share Price of the bank currently is $24.66, which is clearly mentioned on the website along with the graph of the fluctuations of the shares.
To p
Comparison
Gr a
Page 32
de P
ap
er s
To p
Gr a
Snapshot 16- Shareholder's information on ANZ Bank Website
b. There are also many links available for the investors and easy access to the financial reports for the bank, with easy access of viewing and downloading in the pdf version. Comparisons for analysts are also available with different tools and information sets. See snapshot
Comparison
de P
Page 33
ap
er s

bel
To p
16. Clicks: tools. Comparison
Gr a
15. The website services, products, descriptions downloable materials are all available online. But the major drawback comparatively with CWB website is the presentation of their website. They had used more information then CWB but all the information is clustered and over clapping.
Average Load time for www.anz.com is 4.125 seconds, 75% of the websites are faster then this (Alexa Ranking). Their promotions are on the main page. Using flash
de P
Snapshot 17- Shareholder information link on ANZ Bank website
ap
Page 34
er s

17. Ranking After checking through ALexa we have the following results on date 13-Oct 09 (Alexa Ranking)
AU traffic Rank:15 :
20
Online since : 04-JUN-1996
Australia
20
New Zealand 68 Vietnam 1790 7221
Indonesia India UK China
To p
Users of ANZ Bank from around the world who visit the page Comparison
Gr a
24452 Japan US 32536 39390 Page 35
de P
16127 16889
ap
More details on Ranking of ANZ Bank from the world
er s
World Traffic Rank :
1959
Which Link users go on ANZ.com
To p
Gr a
(Alexa Ranking) Search Terms Driving Traffic The keywords which brings the links of the ANZ Bank from search engines are Comparison
de P
Page 36
ap
er s
(Alexa Ranking)
(Alexa Ranking)
To p
Comparison
Gr a
(Alexa Ranking)
de P
ST-George Bank
Page 37
ap
Demographics receive by Alexa for the Anz.com for the audience who visits the website are
er s

St.George Bank is also competitor of Common Wealth Bank. We are focusing on its website marketing using the same internet marketing 13Cs and some other marketing Factors which we had focused on Common Wealth and ANZ. This banks website is being compared
domain. Domain:
St.George foundation brings association to their customers and many users who know about it. We will describe it later in the report. Comparing to the Common Wealth Bank
The Domain is .au; the complete web address is www.stgeorge.com.au St.George uses its full name, for its marketing purposes and as well as for customers to easy
To p
found that, the Comparison
Gr a
Search Engine Position:
to remember.
The major search Engine is Google, which is mostly used by all over the world by millions of users every hour (Sullivan, 2007). By putting the different Key words for St.George, we
website is a sponsored in Google and comes on the first. Its easy to search St.George Bank. Also the search items includes the complete list of links that are associated with the St.George Bank website or other websites, like Yahoo Finance etc..
de P
name, its name is also long but still easy to remember.
ap
er s
Page 38
with the CommBank, in every aspect to analyze its internet marketing. Lets starts with the
To p
Comparison
Gr a
13Cs and Marketing Factor Analysis: 1. Context: When you open the website of the St.George bank, it gives you the strawberry red color theme, which seems so nice as a first impression. The information seems to be very neat and arranged. Also the major links are available on the first page of the website. Just like in CWB website. The navigation seems to be very easy and information is accessible. Minimum Click strategy has been used. Below is the snapshot of the home page of the website. Page 39
de P
Snapshot 18-St.George Search Engine Result
ap
er s
Below is the logo of the St.George Bank. The color scheme for the website
To p
Comparison
Gr a
Strawberry Red. The website has this color scheme throughout the pages. And this is their basic color line as well. The logo has a fire dragon in it with a classic font style written name below it. Will dig out its meaning and symbolization later in this report. But overall for a bank this kind of logo is not so much professional.
de P
Snapshot 20 - Logo of St.George Bank
Snapshot 19- Home Page view of St.George Bank
ap
Page 40
er s

The layout of the website is very nice, and attractive. The layout is designed for the user friendly purpose and allowing users and visitors to the easy access of information to the web and links.
To p
Comparison
Gr a
The design of the Bank website is very standard, and the information is very well
presented. All the tabs are very beautifully arranged. Especially the flash features in them allow the users to not click much and get the desire information or link by just scrolling over. Providing the easy access to information and comfort level for the visitors. The Search Option is on the top of the website and like other two websites its also very effective and brings the best and relevant results on the screen. In fact the results this website brings are more descriptive then CommBank and ANZ. Page 41
de P
Snapshot 3- St.George Bank layout
ap
er s
To p
Comparison
Gr a
2. Conventions: 3. Customer Focused: a. Personal Customers
The St.George bank is using the standardized layout . But has used the flash over techniques in menus. For saving the users time who visit the website. As menus just open by scrolling the mouse over rather clicking each button separately. This is very effective for the website functionality
The St.George Bank is very much focused for the customers categorization. They had break down their customer categories in to
de P
ap
Page 42
er s

b. Personal Investors c. For Small businesses d. For Corporate Businesses
4. Community:
bank mentioned on the web are a. Aged industry
b. NGO special deposit accounts with online facilities etc.. c. Disaster Releif
d. St.George Foundation
e. Wesley Mission Credit Line consumer education program
To p
Comparison
Gr a
5. Customization:
f. Community and Environment Award.
The site is a professional banking site, so the customization option is not enabled. As the user here comes just to take the services, or to fetch important information regarding that service or product. So the time they customer/users devote on the website is not that much that they require the option for customization. So St.George is following the standard mode just like CommBank for all customers and users to serve them accordingly.
de P
ap
St.George bank is involved in many community activities, some of them which the
er s
Page 43
Each category is full of links effectively managed under the main categories.

6. Connection: Site doesnt contain any RSS. The News letter and other information is optional. Thus the visitors can come online to visit this site and access to the information. But the
customers and also for the visitors through email. More over you can also send the desire page to the friend by just clicking on the send it to a friend links on most of
7. Commerce:
As this website belongs to the Bank. The major functioning of the bank is not through the website but other modes, as debit cards, credit cards, checks etc But there are commerce activities through the website too. A Customer can login who has an account and an online banking activation through St.George Bank or any of its
To p
Comparison
Gr a
8. Convergence:
subsidies, to transfer funds, receive funds, Online shopping etc. These activities are common and are standardized.
Like CommBank the website of this bank can also be accessible only from the mobile browsers who support html/xml. Many of the banks have purpose built websites for mobile phones, especially smart phones and Iphones compatible. But like commbank this website doesnt have any. It may be due to the customer demand etc.. Secondly the site is enabled on the mobile that support xml and html. There is detail documentation and descriptions available for any activity or service from this
de P
ap
Page 44
the news and promotion pages.
er s
subscription for the newsletter and other media activities is available for the

website.
9. Cross Promotions:
promotes seasonally.
The website of St.George Bank is not focusing so much on the people with disability but is available in two more languages which seems to be Greek and Thai. 11. Currency:
The bank deals in $ AUD. But doesnt contain tools and calculators like CommBank which deals in forex and currency conversion etc..
To p
Comparison
Gr a
12.
Corporate:
St.George started operating in Australia after the merger of the two banks, The State bank of South Australia and the saving Bank of South Australia in 1848. St George is now a subsidy of Westpac Banking Corporation trading mostly in New South Wales (History - ST.George Bank) St.George typically known as the more friendly and customer service oriented bank than the big four banks operating in the Australia.
a. Mission Statement: Good with People. Good with money. (ST George Bank) sily exchange and benchmark ideas and developments in risk management
de P
ap
10. Compliance:
er s
Page 45
No data found for the cross promotions on this website. It may also be cross
4) To produce and distribute papers on topical risk management issues, aiming to link academic excellence with the practical requirements of
have been vetted and enriched by discussion with risk practitioners, as well
as shorter papers and articles for a wider distribution to the financial markets
To p
Comparison
Gr a
Page 46
de P
ap
and regulator (ANZ Mission Statement)
er s
workable solutions. These papers include academic research papers that
b. Hierarchy:
Composition of the board of directors of the St.george Bank is
To p
Comparison
Gr a
Page 47
de P
ap
Board of Directors
er s

Re-appointed Director and Chairman JOHN CURTIS of St.George Bank Limited on 1 December 2008.
LINDSAY MAXSTED
PETER HAWKINS
Gr a
GREG BARTLETT 13. Investors Relation as on commbank and ANZ. Comparison
To p
To building a strong relation with investors the information presented by the St.George Bank is transparent and is easy to access but the information is not so vast
de P
2008.
ap
er s
Limited on 1 December 2008 Appointed Director of St.George Bank Limited on 1 December 2008 Re-appointed Director of St.George Bank Limited on 1 December 2008. Appointed Director of Westpac Banking Corporation on 1 December Appointed Director of St.George Bank Limited on 1 December 2008. Page 48
GAIL KELLY
Appointed Director of St.George Bank

14. The website services, products, descriptions downloable materials are all available online. This bank website is more or like same as CWB website in effectiveness and efficiency. They had used more information then CWB.
Average Load time for www.stgeorge.au is 3.047 seconds, 62% of the websites are faster than this (Alexa Ranking). There are no such promotions as flash or in video
16. Ranking
After checking through ALexa we have the following results on date 13-Oct 09 (Alexa Ranking)
World Traffic Rank : AU traffic Rank:15 :
To p
China USA Comparison
Gr a
Australia Thailand 58 7267 UK 20844 25038 63127
More details on Ranking of St.George Bank from the world
Users of ST.George Bank from around the world who visit the page
de P
1959 20 Page 49
ap
form available on this website. This may be the reason for its faster loading time.
er s
15. Clicks:
Which Link users go on stgeorge.au
To p
Gr a
(Alexa Ranking) Search Terms Driving Traffic The keywords which brings the links of the St.George Bank from search engines are Comparison
de P
Page 50
ap
er s
(Alexa Ranking)
(Alexa Ranking)
Demographics receive by Alexa for the stgeorge.au for the audience who visits the website are
Gr a
Findings
Comparison
de P
(Alexa Ranking)
To p
After having a complete 13 C and marketing mix analysis of all the
ap
Page 51
er s
Internet Bank - Comparison three banks, we can now conclude that Common Wealth Bank is best in providing the best presentation of information and easy access for their customers. CommBank website is designed most effectively for the internet Marketing.
To p
Comparison
Gr a
Page 52
de P
ap
er s
References
Alexa Ranking. (n.d.). Retrieved October 13, 2009, from Alexa - The web information Company: http://www.alexa.com/siteinfo/commbank.com.au
ANZ History. (n.d.). Retrieved October 13, 2009, from ANZ: http://www.anz.com/aboutus/our-company/profile/facts/history/
ANZ History. (n.d.). Retrieved October 13, 2009, from Wikipedia: http://en.wikipedia.org/wiki/Australia_and_New_Zealand_Banking_Group#Organisational_ structure
GDP Australia - Economy. (n.d.). Retrieved Ocotber 13, 2009, from Economy Index Mundi: http://www.indexmundi.com/australia/gdp_composition_by_sector.html History - ST.George Bank. (n.d.). Retrieved October 13, 2009, from Wikipedia: http://en.wikipedia.org/wiki/St._George_Bank
To p
Comparison
Gr a
ST George Bank. (n.d.). Retrieved Ocotber 13, 2009, from St.George Bank Australia: www.stgeorge.au Sullivan, D. (2007, August 22). Nielsen NetRatings, Search Engine Ratings. Retrieved October 10, 2009, from SearchEngineWatch: http://searchenginewatch.com/2156451
de P
ANZ Mission Statement. (n.d.). Retrieved Ocotber 13, 2009, from ANZ Financial Information: http://www.ifri.ch/publications/IFCI_AR2003_April20.pdf
ap
er s
Page 53

Internet Bank Analysis - 3 Banks Website - Academic Assignment - Top Grade Papers

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Internet Bank Analysis - 3 Banks Website - Academic Assignment - Top Grade Papers

Uploaded by

Copyright:

Available Formats

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Common Wealth Bank

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Snapshot 1-Common Wealth Bank Search Engine Result

13Cs and Marketing Factor Analysis: 1. Condition

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Snapshot 2- Home Page view of the Common Wealth Bank

Snapshot 3 - Logo of Common Wealth Bank [normal]

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Snapshot 4- Logo Common Wealth Bank [Supporting for Breast Cancer]

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

interactive presentation to use.

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

visitors. 12. Currency:

Determined to offer strength in uncertain times

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Committee Membership Board Performance & Renewal

Chairman Chief Executive Officer

John M Schubert Ralph J Norris Reg J Clairs, AO Fergus D Ryan

Colin R Galbraith, AM S Carolyn H Kay David Turner

Jane Hemstritch Sir John Anderson Harrison Young Andrew Mohl

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Snapshot 8- Shareholder information link on CWB website

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

More details on Ranking of CommBank from the world

introduction to the new product and services so that, the customers/users or

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Which Link users go on commbank.com.au:

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Australia and New Zealand Bank

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

website or other websites, like Yahoo Finance etc..

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Snapshot 10- Home Page view of ANZ Bank

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com

Internet Bank - Comparison

GET YOUR WORK DONE BY www.TopGradePapers.com