TOLANI MOTWANE INSTITUTE OF

MANAGEMENT STUDIES
TOPIC: COMPARISON OF DIGITAL BANKING SERVICES
BETWEEN INDIAN BANK & INTERNATIONAL BANK

Subject: Banking

Group: 8

Submitted to: Prof. Hitendra Lachwani

 Presented By:

NAMES ENROLLMENT NO.

Falguni Kannad 218360592002
Sumit Hotwani 218360592014
Aditi Kataria 218360592015
Bharat Maniyar 218360592020
Divya Gusai 218360592034
Jay Patel 218360592039
Riyank Tewani 218360592043
 TABLE OF CONTENTS
1.
• Introduction about the Bank of India

2.
• Product and services of Bank of India

3.
• Introduction about the RBS Bank

4.
• Product and services of RBS Bank

5.
• Point of Difference

6.
• Conclusion
INTERNATIONAL BANK:
Royal Bank of Scotland

INDIAN BANK:
Bank of India
Bank of India
Bank of India (BOI) is a
public sector bank in
India, founded on 7th
September 1906.

It is headquartered in
Mumbai and has over
5,430 branches across
India and abroad.

CEO: Atanu Kumar Das

Employees: 51459

Website: bankofindia.co.in
 Products & Services of BOI
SR. Names Products & Services
NO
1 Individual Account, card, loans & Deposit
2 Business Account, MSME, Corporate,
Merchant acquiring business
3 Investment & Insurance Government Product, Mutual funds,
Insurance
4 NRI Accounts, Loans, Investment,
Insurance, Remit money ancillary
services
5 Farmers Agriculture product, Financial
inclusion, Ancillary services
RBS BANK
Royal Bank of Scotland is a
major retail and commercial
bank in Scotland.

The Royal Bank of Scotland

has about 700 locations, most
of which are in Scotland,
although there are also
locations throughout England,
Wales, and many larger towns
and cities.

CEO: Alison Rose from 1st Nov

2019 –

Employees in bank: 71200

Website: www.rbs.co.uk
 Product & Services of RBS Bank

RBS
Products

Personal Premier Business

Saving solution, Personalised

Mortgage, saving account, mortgage advice, Investing online Saving account, loan
Investment, loans, Credit and advice, Enhanced Insurance and advance, cards,
cards, Insurance, Reward cover, loans, credit cards, arrange asset finance , trade
account and cards, overdraft an overdraft, executor services, finance and business
estate administration services services
 Point of Difference
Type of Accounts

Agriculture/climate change hub

Credit cards

Business account
BANK RBS
of
Internet Banking BANK
India Loan Facility
 Point of Difference: Types of Account
Bank of India RBS
1. Individual account 1. Personal account
2. Business account I. Every Day Bank Account
II. Reward Bank Account
3. Investment and Insurance
III. Child & Teens Bank account
4. NRI account
IV. Other current account
5. Agriculture account 2. Premier account
I. Every Day Premier account
II. Premier Rewards account
3. Business account
I. Start-up account
II. Business account
III. Community account
 Point of Difference: Agriculture/Climate change hub
Bank of India RBS
Agriculture account: Climate change hub:
1. Kisan credit card 1. See your Carbon footprint in your app
2. Gold loan 2. Debit and credit card are made from
3. Self help group 86% of recycled plastic
4. Atmanirbhar schemes 3. Sustainable uniforms
5. Food and agro loans ,etc.
 Point of Difference: Credit Cards:
Bank of India RBS
● BOI provides Five types of credit ● Six types of credit cards are available:
cards:
I. Purchase & Balance Transfer card
I. Visa Platinum International
II. Longer Balance Transfer card
II. Visa Gold International
III. Balance Transfer credit card
III. Rupay Platinum International IV. The Royal Bank credit card
IV. Rupay Swadhan Platinum (For V. Reward credit card
Senior Citizen) VI. Reward Black credit card
V. Master Platinum International
 Point of Difference: Business Account
Bank of India RBS
● Merchant Acquiring business: ● Business credit card
I. BOI BHIM UPI QR ● Debit card
II. BOI BIZ PAY ● Business plus credit card
● Business cash card
● One card
● Virtual card solution
 Point of Difference: Internet Banking
Bank of India Royal Bank of Scotland
● Mobile banking Payment: ● Payment
I. Through BOI Mobile app ● Transfer
II. View passbook ● Direct Debit
III. Transfer fund
● Standing order
IV. UPI
V. Instant money transfer
 Point of Difference: Loan Facility
Bank of India RBS
● Various types of loans: ● Various types of Loans:
● Personal ● Small business loan
● Home ● Green loan
● Vehicle ● Fixed and variable loan
● Against securities ● Holiday loan
● Agricultural and rural ● Wedding loan
● Commercial business loan ● Joint loan
Case Study on Punjab National
Bank Scam
1.Introduction about the PNB

2.Introduction about the Nirav Modi

3.How this Scam happened?

4.Necessary steps taken by government