STRATEGY IN BANKING

SECTOR

Yes Bank Introduction

YES BANK Limited is a private sector bank, has a pan India presence across all 29 states and 7 Union Territories
of India
The Bank is engaged in providing banking services, including corporate and commercial banking, financial
markets, investment banking, corporate finance, branch banking, business and transaction banking, and wealth
management.

Yes Bank Strategic Initiatives

Knowledge Banking
A unique method of acquiring customers and retaining them.
The knowledge banking approach is its main pillar of differentiation and focuses on providing specialized banking services depending on their
requirements.

Technology

Yes bank considers technology as one of the strategic tools.

The bank aims at providing the world class customer service to the customer using latest technology..

Human Capital
The bank focuses on attracting and retaining the best talent.
It aims to build culture & environment that supports professional entrepreneurship and is built on core principle of creating and sharing values.

Responsible Banking

The banks Responsible Banking approach has enabled bank to create shared value for its stakeholders.
Through initiatives and business solutions the bank has weaved a sustainable development and CSR into its core strategy.

Yes Bank Strategic Initiatives

RetailStrategy

The company is planning to build a strong retail asset franchise and is investing significantly into the back office and the technology side
The company is planning to launch its credit card business in April 2016 and has embarked on an aggressive hiring strategy by roping in experienced
people from competition, to drive the segment
Bank has planned expansion of its network to 1,500 branches by March 31, 2018; and 2,500 by March 31, 2020. This will significantly augment retail
and consumer SME lending activities
Yes bank signed an Loan agreements worthUSD265 million with OPIC andWells Fargoto support small businessgrowthin India.

Digital Strategy
The company has adopted DIGICAL Digital + Physical strategy consisting of a blend of offline and online channels leveraging innovation and
technology
IBM's MobileFirst Platform offering new mobile apps and services that create more personalized and rewarding customer relationships.
Strategic partnership with Taisys Technologies to develop ultra-thin mobile banking SIM
Yes Bank teamed up with online retailerSnapdeal and MasterCard to introduce a new virtual prepaid card named FreeCharge Go - facilitates online
transactions throughout all online merchants in India.

Societe Generale Introduction

Societe Generale is a French bank, engaged in retail banking, corporate and investment banking, financial
services, insurance, private banking and asset management
The Company's core businesses are managed through three segments: French Retail Banking, International
Retail Banking & Financial Services and Global Banking and Investor Solutions

Societe Generale Strategic

Initiatives

Societe Generale Strategic

Initiatives

Key
Priorities for
2016

AliPay Company History & Market

capture
Alipay is a third-party online payment platform with no transaction fee launched in 2004 by Alibaba group and
its founder Jack Ma.
It has around 50% of the market for online payments, but over 80% of the market for mobile payments
According to iResearch, Alipays mobile app is the worlds largest mobile payment platform with 400 million
annual active users as of June 2015
Alipay provides an escrow service, in which consumers can verify whether they are happy with goods they have
bought before releasing money to the seller.
Alipay says it operates with more than 65 financial institutions including Visa & Mastercard.
As the largest online payment solution in China, AliPay is highly trusted and used by Chinese consumers, and
they even rely on AliPay more than credit card for the daily consumption including shopping.
In addition to traditional online payment functions, Alipay is expanding applications to offline scenarios such as
the outlet, shopping mall, and convenience store, where are the hot spot for Chinese tourists, and guide our
users to your store to enjoy the convenience of fast checkout during their overseas shopping

AliPay Products & Services Overview

AliPay Strategic Initiatives

With the flourishing of mobile internet

Recently, Marriott International has

users, it is predicted that m-commerce

decided to roll out Alipay around 10

(mobile

hit

hotel locations in Hong Kong and

US$334 billion, 49.7% of total retail

China which allows travellers to pay

sales.

Alipay

for their stay, dining and a whole

intends to capture the market by

range of services provided by the

forming partnerships with esteemed

hotel chain, using Alipay.

commerce)
With

itself

these

figures,

will

merchants

Alipay has ventured into O2O in Taiwan

by allowing mainland tourists to pay
through the Alipay QR code when buying

Just a month ago, Alipay has also

announced

its

launch

in

Europe

goods from Taiwan. With the launch of

starting with a stationary merchant

Koreas first internet-only bank by Daum

at

Kakao, Alipay has also dived into the

continues to include more brands

opportunity to serve Chinese tourists in

and retailers in Europe which they

Korea

believe

by

offering

financial

through the online bank

services

the

Frankfurt

Chinese

interested in.

airport.

Alipay

consumers

are

BNP Paribas Introduction

BNP Paribas is an European leader in Banking & Financial services.

It has four domestic retail banking markets in Europe, namely Belgium, France, Italy
and Luxembourg.
The Bank operates in two divisions
i.

Retail Banking & Services

ii. Corporate and Institutional Banking

BNP Paribas Strategic Initiatives

BNP Paribas Strategic Initiatives

Major Strategic Priorities for 2016

Develop digital innovations
i.

Hello bank! in Germany, Belgium, France and Italy

ii.

Launch of new online payment solutions: PayLib in France, Sixdots in Belgium

iii.

e-business at Personal Finance, roll out of the digital offering at International Retail Banking (IRB)

Continue to grow Private Banking at a fast pace leveraging the Domestic Markets & International Retail Banking.
Closer cooperation between the capital market businesses, Securities Services and Investment Partners

Improve teamwork through digital tools

Distribution of savings by 2016 - Retail Banking (63%), CIB (24%), Investment Solutions (13%)

BNP Paribas Strategic Initiatives

DEVELOP BUSINESS ACROSS REGIONS
Asia Pacific
i.

Forge new partnerships especially in insurance and consumer credit

ii.

Grow revenues in Asia to over 3bn by 2016

. CIB - North America:

i.

Develop business with large corporates and institutional clients; strengthen relations with investor
clients

ii.

Adapt the business model to changes in market infrastructure

. Germany
i.

Increase deposits of individuals with Hello bank

ii.

Strengthen our positioning on the corporate client segment

. Turkey
i.

Growth effort focused on higher potential clients

BNP Paribas Expansion in India

In 2006 BNP became the largest shareholder (34 % stake) of Geojit Financial Services , one of the leading Indian Retail stock
brokers. Geojit is renamed as Geojit Bnp Paribas. BNP Paribas will benefit by associating with Geojit Financial services which
has more than 4,50,000 clients, It offers a clientele of private investors, brokerage services for equities derivatives as well
as financial saving products. It has a network of 500 offices spread across India. It also operates in UAE through its joint
venture Barjeel Geojit securities and in Saudi Arabia via Aloula Geojit Brokerage company. On the other hand by partnering
with BNP Paribas, Geojit will extend the reach of its services to the growing population of non resident Indians. It will benefit
from Groups expertise in Technology, Customer relations etc. It will take advantage of expertise of BNP Paribas Personal
Investors as a leading online broker in Europe.
In 2014 BNP Paribas acquired Retail broking firm Sharekhan for around 2200 crores. Sharekhan has 12 lakh customers in
India. Currently, BNP Paribas in India offers corporate, retail and investment banking, and also wealth management. The
buyout of Sharekhan "will serve as a platform for the group's strategy in India to offer a comprehensive range of products
from pure brokerage to asset-based investment services, including mutual funds and savings products.

SBI Introduction
State Bank of India (SBI) is an Indian multinational,public sectorbankingandfinancial
servicescompany.
The Bank's Mid Corporate Group (MCG) operates through its 14 regional offices and has
approximately 13,000 branches
The Company provides Domestic Operations, International Operations and Treasury
Operations

SBI Strategic Initiatives

To wring more efficiency from its operations, State Bank of India is preparing an integrated channel strategy for the
next three years to achieve an optimum mix between various distribution channels. It is currently analyzing as to
how it can achieve an ideal customer touch point mix between various channels such as branch, ATMs, POS, internet
and digital banking.

As a part of its 2020 digital transformation strategy, State Bank of India (SBI), country's largest public sector
lender, is planning to bring its 44.7 crore customers on mobile banking and digital wallet platforms

The State Bank of India (SBI) will pursue an aggressive strategy by offering more number of digital products and
strengthening the Business Correspondents Model to take on the competition from new banking and other entities

SBI Strategy Adopted

1. Improving asset quality: Reactive to proactive

2. Cost rationalisation
3. Repositioning human resources
. Institution for advance learning
. Internal consultant/Change agent
. Feedback supplier
. Research and development role

HDFC Bank Introduction

HDFC Bank is a private bank engaged in providing a range of banking and financial services including
commercial banking and treasury operations.
It operates in four segments: Treasury, Retail Banking, Wholesale banking and other banking business
Through a network of 11,766 ATMs and 4,014 branches (including 3 international branches), and an array of
digital banking options, HDFC have been serving every segment of customer base with a wide range of
customised and need-based products and services

HDFC Bank Strategic Initiatives

HDFC Bank Strategic Plan

Future plan Mortgage Market:

Though mortgage finance penetration levels in India have been increasing consistently, (8.24% as on December 31,
2014) they still remain low vis--vis developed countries. There is untapped potential for growth in India, especially in
certain segments like affordable housing. To promote growth in the affordable housing segment.

Further, with GOIs new capital infusion criteria and the large capital requirements for banks, we (HDFC) could be keen on
growing the low risk weight home loan segment.

Also, improvement in the operating environment could lead to an increase in new project launches and some
improvement in the pace of under construction projects leading to higher pace of growth in the medium term which
coupled with a favourable demographic profile, could lead to higher 20-22% credit growth for housing FY16 onwards vis-vis 17-19% growth witnessed over the last three years. Therefore higher growth in underserved segments as well as
improved operating environment could push mortgage penetration to double digits over the next three years

HDFC Bank Strategic Plan

Indian Banking Outlook

Indian banking sector credit growth has grown at a
healthy pace

Credit off-take has been surging ahead over the past

decade, aided by strong economic growth, rising disposable
incomes, increasing consumerism and easier access to
credit

Total credit extended went up to US$ 1,089 billion by FY15

Credit to non-food industries increased 9.75 per cent to US$

1,073.4 billion in FY15, from the previous financial year

Demand has grown for both corporate and retail loans

click here

Thank You
Presented By:
55. Pankaj Tari
45. Tejal Shah
43. Dhaval
Rana

21. Ashish
Jagadale
23. Akshay Joshi
57.Vishal Totlani
For K. J. Somaiya Institute of Management & Studies