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PRESENTATION ON SIX – WEEKS INDUSTRIAL TRAINING AT STANDARD CHARTERED BANK

Presented By: Harpreet Kaur MBA 2A

Chapter-I (Introduction)

Company Introduction
--1853 -- London -- John Peace (Chairman) -- Banking -- Financial Services -- $15184 m (2009) -- $5151 m (2009) -- 77326 (2009)

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Founded Headquarters Key people Industry Products Operating Profit Profit before taxation Employees

Contd..

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Branches

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Head quarters in India CEO in India

- 1700 (world) - 90 (India) -3 (Punjab) - Mumbai - Neeraj Swaroop

DIFFERENT PRODUCT AND SERVICES OF STANDARD CHARTERED BANK IN RETAIL BANKING

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..contd.

NRI Accounts .

Other services .

Assur ance Tim Miller Secretary Anniemar ie Durbin) Consumer Banking Steve Bebertami ni HR Tracy Clark .Organisation chart of standard chartered Chairman of Board ( John Peace ) Asia Jaspal Bindra Risk Mgt Rudy Mark ham Whole sale Banki ng Mike Rees C FO Richar d Meddi ng Peopl Prope rty.

Organisation chart in case of branch .

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contd… .

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35 23.1 . 2010 March. 2009 Return on 18. 2007 Ratio March. 2008 March.55 20.BANKING RATIOS  Return on Equity =    Net Income Shareholder’s equity March.33 equity (%) 18.51 Table 5.

2007 4.96 Return on Assets (%) Table 5. 2009 4.8 3.8 March.2 . 2008 March.1 3. 2010 March.contd…  Return on Assets = Net Operating Income  Total Assets   Ratio March.

2010 March. 2008 March.9 equity to assets (%) Table 5.contd… Shareholder’s equity to assets =  Shareholder’s equity  Total Assets  Ratio March. 2009 10.85 Shareholder’s 12. 2007 11.5 March.3 .39 9.

48 March.contd…     Loans to Assets = Loans Total assets   Ratio March.11 Loans to Assets (%) Table 5. 2010 March. 2008 March.5 .41 51. 2007 45.39 38. 2009 46.

of equity shares  Fig 6.1 .Trend analysis    EPS (Earning Per Share) = Profit after interest and tax No.

2 .contd…  Trend of Net Profit:    Fig 6.

contd…    Trend in Interest Earned Fig 6.3 .

Contd…     Trend in Interest Expended Fig 6.4 .

  Introduction of Project .

Project Title .

Retail Banking .

Objectives of Study .

Research Methodology .

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    Data Analysis And Interpretation .

3 Banks Hsbc Standard Chartered Responses 50 50 (50) (50) N1=50 N2=50 *Figure in the parenthesis indicates percentage .Dealings with Banks Table no-4.

No. of years of association with banks Years associated 1-2 years 2-3 years 3-4 years More than 4 years Responses of Hsbc 12 (24) 11 (22) 12 (24) 15 (30) Table no-4.4 Responses of Standard chartered 10 (20) 13 (26) 13 (26) 14 (28) N1=50 N2=50 *Figure in the parenthesis indicates percentage .

5 Services Savings and banking Debit cards Credit cards Insurance/Investment E-banking and related services No of respondents of HSBC 43 31 17 22 19 No of respondents of Standard Chartered 39 23 20 21 20 *Multiple responses N1=50 N2=50 .Services availed by customers Table no-4.

98 Responses of Standard chartered (mean) 3.04 3.6 Services Savings an banking Debit cards Credit cards Insurance/Investment E-banking and related services Responses of Hsbc (mean) 4.98 N1=50 N2=50 .70 2.28 2.96 2.78 2.38 2.Degree of awareness among customers regarding services Table no-4.58 2.18 3.

7 Type of account Savings account Current account Corporate salary accountaccount Demat Respondents of Hsbc 26 (60) 6 (14) 7 (16) 4 (10) Respondents of Standard chartered 24 (62) 6 (15) 6 (15) 3 (8) *Figure in the parenthesis indicates percentage N1=43 N2=39 .Type of account in the bank Table no-4.

Usage of ATM by customers Table no-4.8 Usage of ATM Never Weekly Monthly Responses of Hsbc 22 (44) 16 (32) 12 (24) Responses of Standard chartered 20 (40) 17 (34) 13 (26) N1=50 N2=50 *Figure in the parenthesis indicates percentage .

9 Responses of Standard chartered 2 (9) 1 (5) 0 5 (22) 1 (5) 13 (59) N1=28 N2=29 *Figure in the parenthesis indicates percentage .Problems faced by customers while using ATM Problem in using ATM ATM is not working Card arrested by machine Shabby area No money in the machine Any other problem No problem Responses of Hsbc 2 (7) 3 ( 11) 0 3 (11) 2 (7) 18 (64) Table no-4.

10 Type of credit card Platinum Gold Classic Responses of Hsbc 10 (78) 6 (16) 1 (6) Responses of Standard chartered 14 (70) 4 (20) 2 (10) N1=17 N2=20 *Figure in the parenthesis indicates percentage .Type of Credit Cards used Table no-4.

11 Payment of Credit cards EMI’s One time premium Responses of Hsbc 8 (47) 9 (53) Responses of Standard chartered 9 (45) 11 (55) N1=17 N2=20 *Figure in the parenthesis indicates percentage .Mode of payment of credit card bills Table no-4.

Type of insurance policy customers have Type of insurance Life insurance policy General insurance Health insurance Personal insurance Responses of Hsbc 17 6 6 7 Table no-4.12 Responses of Standard 18 chartered 5 9 6 * Multiple Responses N1=22 N2=21 .

13 Mode of payment Responses of Hsbc Responses of Standard chartered 2 6 8 5 (9) (28) (38) (25) N1=22 N2=21 Monthly Quarterly Half yearly Yearly 0 5 (23) 10 (45) 7 (32) *Figure in the parenthesis indicates percentage .Mode of payment of premium of insurance policy Table no-4.

89 3.95 3.81 3.27 2.14 Services Savings and banking Debit cards Credit cards Insurance/Investments E banking and related services Responses of HSBC (mean) 3.68 N1=50 N2=50 .86 2.68 3.91 4.16 Response of Standard chartered (mean) 3.50 2.Level of satisfaction Table no-4.

  Finding And Suggestions  .

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  Thanks .