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STANDARD CHARTERED Founded --1853 Headquarters -- London Key people -- John Peace Industry -- Banking Products -- Financial Services Operating Profit -- $ 19.071 b Profit -- $4.985 b Employees -- 86,865
HSBC 1865 London Douglas Flint Banking FinancialServices $20.64 b $14.02 b 2,60,590
Contd..
Branches
DIFFERENT PRODUCT AND SERVICES OF STANDARD CHARTERED BANK & HSBC BANK
Saving accounts
Current accounts
PERSONAL BANKING
Demat accounts
Other services
Net banking
Atm services
contd
4.2
3.4
3.01
2.27
contd
contd
Trend Analysis
EPS (Earning Per Share)= Profit after interest & tax No. of equity EPS(%) shares 140 120124
120 100 80 60 40 20 0 1 2012 HSBC 2011 2010 2009 112 105 100100 95 100
Standard Chartered
(%) 147
139
127125
98 100
128125
120
100 80 60 40 20 0
116 100
Comparative Analysis of Standard Chartered Bank and HSBC on Retail Banking Services
Objectives of Study
To compare the Retail Banking services of Standard Chartered And HSBC.
50%
50%
1-2 years
2-3 years 3-4 years More than 4 years
Responses of HSBC
22 (44) 16 (32) 12 (24)
Level of satisfaction
Services Responses of HSBC Response of (mean) Standard chartered (mean) Savings and banking 3.95 3.81 Debit cards 3.68 3.50 Credit cards 3.27 2.86 Insurance/Investment 2.91 2.89 s E banking and related 4.16 3.68 services
Majority of respondents are associated with both the banks for more than four years.
Most of respondents of both the banks have savings account and use the debit cards whereas few respondents use the insurance/ investments and E-banking services.
The respondents are aware of the services like savings and banking account, and debit cards but have neutral awareness about the credit cards, insurance and Ebanking services.
Approximately fourty per cent of respondents of both the banks had never use the ATM whereas thirty per cent of respondents use it weekly.
A large majority of customers use the platinum credit card services of both the banks.
Respondents of both the banks paid the credit card bills either through EMI or through one time premium equally.
A large majority of respondents have Life insurance policy from both the banks.
CONCULSION
The respondents of HSBC are more satisfied from saving and banking services, debit cards and e-banking services, while respondents of standard chartered are more satisfied with credit cards and insurance returns.