ancilliary services of banks
TRANSCRIPT
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PRESENTED TO: PRESENTED BY:
Dr. Devendra Singh Abhijeet SinghChandrakant
Niranjan
Chetan Jain
Deepak Jaiswal
Hemant Suthar
Juhi Verma
Ancillary Services ByICICI & Sbi bank
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Banks
Banks play an important role in the field of trade,commerce and industry.
They promote and mobilize savings by providing
safety, confidentiality and attractive rate of
interest.
Banks inspire confidence in people and help in
creating banking habits in them.
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Bank services
Primary services: borrowing and lending ofmoney
Secondary services( or ancillary services):
Services offered by banks to help the customers
Such activities include collection of cheques,
dividend, warrants, etc. on behalf of customers as
well as effecting transfer of funds, remittances by
mail and telegram in order to attract customers
and make banking services effective.
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Rendered to banks own customers
Available to general public
Category of ancillary
services
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Services of bank to itscustomersSome of functions in this category are
enumerated below:
(a) Dealing in Bills of Exchange, Promissory Notes,Hundies and Drafts.
(b) Issuing letter of credit, Travellers cheques andCircular notes.
(c) Buying, selling and dealing in bullion as well asforeign exchange and foreign bank notes.
(d) Acting as agent for clients, buying and sellingshares and debentures, and acting asunderwriter.
(e) Collection and remittance of money and
extending guarantee against loans raised bycustomers.
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Services to the General Public(i) Providing facility of lockers for the safe custody
of valuables.
(ii) Financial assistance for the establishment of
trusts, association, clubs and charitable
institutions.
(iii) Performing certain functions as are incidental or
conducive to the promotion and advancement of
trade and commerce.
(iv) extending financial help to the weaker sections
of society for self-employment.
(v) Issue of bank drafts, gift-cheques, banker's
cheques, etc.
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Types of ancillary services Remittance of funds Safe custody of valuables
Safe deposit vaults
Merchant banking
Bid bonds and performance guarantees
Credit/Debit cards
Standing instruction
Gift cheques Teller system
Stock invest, etc.
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ICICI Bank v/s SBI
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Indias largest private sector bank by market capitalization andsecond largest overall in terms of assets.
India's second-largest bank with total assets of Rs. 3,793.01billion and profit after tax Rs. 37.58 billion for the year ended March2011.
The Bank has a network of 1,646 branches and about 4,883 ATMsin India and presence in 18 countries (as on February 11, 2011) aswell as some 26 million customers (at the end of July 20011).
ICICI Bank is also the largest issuer of credit cards in India.
ICICI Bank's equity shares are listed in India on Bombay StockExchange and the National Stock Exchange of India Limited and its
American Depositary Receipts (ADRs) are listed on the New York
Stock Exchange (NYSE).
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Source: moneycontrol.com(19.02.12)
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''b2- Branch- free Banking'' is designed to offer seamlessinformation through a single interface to facilitate banking
transactions over the internet. It is a unique direct bank
access, which will empower customers to manage all their financesonline.
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InstaBanking- makes banking simpler, faster,
more convenient.
Through these 5 great channels - Internet
Banking, Mobile Banking, ICICI Bank ATMs,
Instant Voice Response (IVR) Banking and
iMobile - you can do your day today banking
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Izone: A unique interactive experience, this is a first for any banking websitein the world.
You can now deposit or withdraw cash, open fixed deposits and conduct
many more real banking transactions in i-Zone. Take a leisurely tour andenjoy the warmth of our virtual staff without getting away from your desktop.
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TV Banking: This pioneering initiative now enables you to get information regarding
loans, accounts, deposits and a lot more while you're watching that exciting cricket
match or your favorite sitcom.
Quite certainly, TV Banking has revolutionised banking by bringing it right into yourliving room.
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State Bank of India (SBI) is the largest bank in India.
The bank traces its ancestry back from British India, through
the Imperial Bank of India, to the founding in 1806 of the Bank of
Calcutta, making it the oldest commercial bank in the Indian
Subcontinent.
The GOI nationalized the Imperial Bank of India in 1955 with the
RBI taking a 60% stake and renamed it the State Bank of India.
In 2008, the Government took over the stake held by the
Reserve Bank of India.
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It has a market share among Indian commercial banks of about 20% in
deposits and advances, and SBI accounts for almost one-fifth of thenations loans.
It is the largest provider of infrastructure debt and the largest arranger
of external commercial borrowings in the country.
With 11,448 branches and a further 6500+ associate bank branches, the SBI
has extensive coverage.
State Bank of India has electronically networked all of its branches under
Core Banking System (CBS).
The bank has one of the largest ATM networks in the region, with more than
9000 ATMs across India and other electronic channels such as Internet
banking, debit cards, mobile banking, etc.
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Source: moneycontrol.com
(19.02.10)
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Paying utility bills at online SBI.
E-rail reservation service using SBI accounts.
MF investments handled through SBI a/c.
SBI e-tax VISA Money transfer
Use your 3-in-1 account to trade online
Loyalty rewards
Net banking for visually challenged
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Asset Liability Management in
banks
Function of ALM: to measure and control threelevels of financial risk
Interest Rate Risk (the pricing difference between
loans and deposits)
Credit Risk (the probability of default)
Liquidity Risk (occurring when loans and deposits
have different maturities)
Managing Net Interest Margin
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ALM in SBI
The Asset Liability ManagementCommittee (ALCO)
Market Related Funds Transfer Pricing
(MRFTP) Stressed Assets Management Group
(SAMG)
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ALM in ICICI
Asset Liability ManagementCommittee (ALCO)
Structural Rate Risk Management
Group (SRRMG)
Risk measurement and reporting
framework
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SWOT analysis-SBIStrengths Opportunities
Weakness Threats
Brand Name Market Leader
Wide Distribution Network
Diversified Portfolio
Government Owned
Low Transition Costs
Hierarchical management
structure of the bank
Non performing assets
(NPAs)
Modernisation
Merger of associate banks
with SBI
Additional 2000 branches and
3000 ATMs
Increasing trade and business
relations
Advent of MNC banks
Consumer expectations Employee Strike
Private banks venturing into
the rural and semi-urban
sector
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SWOT analysis-ICICIStrengths Opportunities
Weakness Threats
Brand Name Market Share
Huge Network
Diversified Portfolio
Salary Account
Working Hours
Treasury Management
Aggressive Marketing Technology
Transaction Cost
Focus on High end customers Defensive Approach in lending
Little Presence outside India
Poor customer Care/ service
New IT & ITES Companies Dissatisfied Customers of
Other Banks
Remittances
Business advising for smaller
Players
Advent of MNC banks
Dissatisfied Customers Ever improving nationalized
banks
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REFERENCES :-
MAGAZINS:
Business WorldBusiness Today
The Smart Manager
WEBSITES:
www.statebankofindia.com
www.icicibank.com
www.rbi.org.in
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THANK
YOU