project report of compititve analysis

8/11/2019 project report of compititve analysis

1/62

HARIKISHAN INSTITUTE OF MANAGEMENT STUDIES - 1 -

GAUHATI UNIVERSITY

A Training Report submitted in partial fulfillment of the requirements for the award of

the Degree of the Master of Business Administration (Industry Integrated) Gauhati

University on

OPENING SAVING ACCOUNTS BY MEETING CUSTOMERS

Standard Chartered Bank

Under Organization Guidance Of: Under Institutional Guidance Of:

Mr.Bhupesh harjai Dr. Robin Stevens

Manager (ER) Director of the HIMS, Delhi

Standard Chartered Bank, Gurgaon

Prepared And Submitted By:

Rizwan Husain

Gauhati University Registration No. 003685 of 2009-10


2/62


CERTIFICATE

This is to certify that Rizwan Husain a student of the Gauhatui University has prepared

his Training Report entitled Opening Saving Accounts by meeting customers At

Standard Chartered Bank(Gourgon)under my guidance he has fulfilled all

requirements under the regulation of the MBA(IIP)Gauhati University leading to the

MBA (IIP)degree. This work is the result of his own investigation and project; neither

as a whole nor any part of it was submitted to any other University or Educational

Institution for any research or diploma.

I wish his all success in life

Mr. Bhupesh Hrjai

(Project Guide)


3/62


STUDENTS DECLARATION

I hereby declare that the training report conducted at

Opening Saving Accounts at Standard Chartered Bank, Gurgaon

Under the guidance of

Dr. Robin Stevens

Submitted in partial fulfillment of the requirements for the Degree of

MASTER OF BUSINESS ADMINISTRATION

(INDUSTRY INTEGRATED)

TO

GAUHATI UNIVERSITY, GUWAHATI

Is my original work and the same has not been submitted for the award of any

other degree /diploma /fellowship or other similar titles or prizes.

Place: Rizwan Husain

Dated: Registration NO.003685


4/62


5/62


6/62


CHAPTER- 1

INTRODUCTION


7/62


1.1 GENERAL INTRODUCTIO

At Standard Chartered Bank I was assigned with the topic opening saving account by

meeting customers for my project work .I joined the company as sales executive. The

selection of the topic was to know how the company generate business from them. bank

has two basic principle client segmentcustomer and asset management the bank has

follows values such as - integrity, team work , respect professionalism,& mission .The

segment of bank we are considering here is-corporate banking .The product out of

which have chosen for research is saving account This research helps us to find out the

customers views regarding the products and services offered by the standard chartered

bank and awareness by promotion and also identify the market potential of the products

offered by the standard chartered bank .

LIST OF SERVICES OFFERED BY STANDARD CHARTERED

The following is a list of services generally offered by banks and utilized by larger

businesses and corporations:

1. ACCOUNT RECONCILEMENT SERVICES

2. RMORED CAR SERVICES

3. AUTOMATED CLEARING HOUSE

4. BALANCE REPORTING SERVICES

5. CASH CONCENTRATION SERVICES

6. P.O.BOX SERVICE

7.

POSITIVE PAY

1- Account Reconcilement Services: Balancing a checkbook can be a difficult process

for a very large business, since it issues so many checks it can take a lot of human

monitoring to understand which checks have not cleared and therefore what the


8/62


company's true balance is. To address this, banks have developed a system which

allows companies to upload a list of all the checks that they issue on a daily basis, so

that at the end of the month the bank statement will show not Advanced Web Services:

Most banks have an Internet-based system which is more advanced than the one

available to consumers. This enables managers to create and authorize special internal

logon credentials, allowing employees to send wires and access other cash management

features normally not found on the consumer web site.

2-Armored Car Services: Large retailers who collect a great deal of cash may have

the bank pick this cash up via an armored car company, instead of asking its employees

to deposit the cash.

3-Automated Clearing House: services are usually offered by the cash management

division of a bank. The Automated Clearing House is an electronic system used to

transfer funds between banks. Companies use this to pay others, especially employees

(this is how direct deposit works). Certain companies also use it to collect funds from

customers (this is generally how automatic payment plans work).

4-Balance Reporting Services: Corporate clients who actively manage their cash

balances usually subscribe to secure web-based reporting of their account andtransaction information at their lead bank. These sophisticated compilations of banking

activity may include balances in foreign currencies, as well as those at other banks.

5-Cash Concentration Services: Large or national chain retailers often are in areas

where their primary bank does not have branches. Therefore, they open bank accounts

at various local banks in the area. To prevent funds in these accounts from being idle

and not earning sufficient interest, many of these companies have an agreement set with

their primary bank, whereby their primary bank uses theAutomated Clearing House to

electronically "pull" the money from these banks into a single interest-bearing bank

account.

6-P.O.Box Service
http://en.wikipedia.org/wiki/Automated_Clearing_Househttp://en.wikipedia.org/wiki/Automated_Clearing_House


9/62


Standard Chartered Bank, NRI Banking now offers P.O.Box services to

customers residing in U.S.A., U.K., U.A.E., Singapore and Bahrain.

7-Positive Pay: Positive pay is a service whereby the company electronically shares its

check register of all written checks with the bank. The bank therefore will only pay

checks listed in that register, with exactly the same specifications as listed in the register

(amount, payee, serial number, etc.). This system dramatically reduces check fraud.

1.2 INDUSTRY PROFILE

A. Origin and development of the industry

Banks are the most significant players in the Indian financial market. They are the

biggest purveyors of credit, and they also attract most of the savings from the

population. Dominated by public sector, the banking industry has so far acted as an

efficient partner in the growth and the development of the country. Driven by thesocialist ideologies and the welfare state concept, public sector banks have long been

the supporters of agriculture and other priority sectors. They act as crucial channels of

the government in its efforts to ensure equitable economic development.

The Indian banking can be broadly categorized into nationalized (government owned),

private banks and specialized banking institutions. The Reserve Bank of India acts a

centralized body monitoring any discrepancies and shortcoming in the system. Since the

nationalization of banks in 1969, the public sector banks or the nationalized banks have

acquired a place of prominence and has since then seen tremendous progress. The need

to become highly customer focused has forced the slow-moving public sector banks to

adopt a fast track approach. The unleashing of products and services through the net has

galvanized players at all levels of the banking and financial institutions market grid to


10/62


look anew at their existing portfolio offering. Conservative banking practices allowed

Indian banks to be insulated partially from the Asian currency crisis. Indian banks are

now quoting al higher valuation when compared to banks in other Asian countries (viz.

Hong Kong, Singapore, Philippines etc.) that have major problems linked to huge Non

Performing Assets (NPAs) and payment defaults. Co-operative banks are nimble footed

in approach and armed with efficient branch networks focus primarily on the high

revenue niche retail segments.

The Indian banking has finally worked up to the competitive dynamics of the new

Indian market and is addressing the relevant issues to take on the multifarious

challenges of globalization. Banks that employ IT solutions are perceived to be

futuristic and proactive players capable of meeting the multifarious requirements of

the large customers base. Private Banks have been fast on the uptake and are

reorienting their strategies using the internet as a medium The Internet has emerged as

the new and challenging frontier of marketing with the conventional physical world

tenets being just as applicable like in any other marketing medium.

The Indian banking has come from a long way from being a sleepy business institution

to a highly proactive and dynamic entity. This transformation has been largely brought

about by the large dose of liberalization and economic reforms that allowed banks to

explore new business opportunities rather than generating revenues from conventional

streams (i.e. borrowing and lending). The banking in India is highly fragmented with

30 banking units contributing to almost 50% of deposits and 60% of advances. Indian

nationalized banks (banks owned by the government) continue to be the major lenders

in the economy due to their sheer size and penetrative networks which assures them

high deposit mobilization. The Indian banking can be broadly categorized into

nationalized, private banks and specialized banking institutions.


11/62


B. Growth and present status of the industry

The Reserve Bank of India acts as a centralized body monitoring any discrepancies and

shortcoming in the system. It is the foremost monitoring body in the Indian financial

sector. The nationalized banks (i.e. government-owned banks) continue to dominate the

Indian banking arena. Industry estimates indicate that out of 274 commercial banks

operating in India, 223 banks are in the public sector and 51 are in the private sector.

The private sector bank grid also includes 24 foreign banks that have started their

operations here.

The liberalize policy of Government of India permitted entry to private sector in the

banking, the industry has witnessed the entry of nine new generation private banks. The

major differentiating parameter that distinguishes these banks from all the other banks

in the Indian banking is the level of service that is offered to the customer. Their focus

has always centered around the customer understanding his needs, preempting him

and consequently delighting him with various configurations of benefits and a wideportfolio of products and services. These banks have generally been established by

promoters of repute or by high value domestic financial institutions.

The popularity of these banks can be gauged by the fact that in a short span of time,

these banks have gained considerable customer confidence and consequently have

shown impressive growth rates. Today, the private banks corner almost four per cent

share of the total share of deposits. Most of the banks in this category are concentrated

in the high-growth urban areas in metros (that account for approximately 70% of the

total banking business). With efficiency being the major focus, these banks have

leveraged on their strengths and competencies viz. Management, operational efficiency

and flexibility, superior product positioning and higher employee productivity skills.


12/62


The private banks with their focused business and service portfolio have a reputation of

being niche players in the industry. A strategy that has allowed these banks to

concentrate on few reliable high net worth companies and individuals rather than cater

to the mass market. These well-chalked out integrates strategy plans have allowed most

of these banks to deliver superlative levels of personalized services. With the Reserve

Bank of India allowing these banks to operate 70% of their businesses in urban areas,

this statutory requirement has translated into lower deposit mobilization costs and

higher margins relative to public sector banks.


13/62


CHAPTER -2 PROFILE OF THE

ORGANISATION


14/62


2.1 ORIGIN OF THE ORGANISATION

The Standard Chartered Group was formed in 1969 through a merger of two banks: The

Standard Bank of British South Africa founded in 1863 and the Chartered Bank of

India, Australia and China, founded in 1853.

Both companies were keen to capitalise on the huge expansion of trade and to earn the

handsome profits to be made from financing the movement of goods from Europe to the

East and to Africa.

The Chartered Bank

Founded by James Wilson following the grant of a Royal Charter by Queen

Victoria in 1853.

Chartered opened its first branches in Mumbai (Bombay), Calcutta and

Shanghai in 1858, followed by Hong Kong and Singapore in 1859.

Traditional business was in cotton from Mumbai (Bombay), indigo and tea from

Calcutta, rice in Burma, sugar from Java, tobacco from Sumatra, hemp in

Manila and silk from Yokohama.

Played a major role in the development of trade with the East which followed

the opening of the Suez Canal in 1869 and the extension of the telegraph to

China in 1871.

In 1957 Chartered Bank bought the Eastern Bank together with the Ionian

Bank's Cyprus Branches. This established a presence in the Gulf.

The Standard Bank

Founded in the Cape Province of South Africa in 1862 by John Paterson.

Commenced business in Port Elizabeth, South Africa, in January 1863.


15/62


Was prominent in financing the development of the diamond fields of

Kimberley from 1867 and later extended its network further north to the new

town of Johannesburg when gold was discovered there in 1885.

Expanded in Southern, Central and Eastern Africa and by 1953 had 600 offices.

In 1965, it merged with the Bank of West Africa expanding its operations into

Cameroon, Gambia, Ghana, Nigeria and Sierra Leone.

In 1969, the decision was made by Chartered and by Standard to undergo a friendly

merger. All was going well until 1986, when a hostile takeover bid was made for the

Group by Lloyds Bank of the United Kingdom. When the bid was defeated, Standard

Chartered entered a period of change. Provisions had to be made against third world

debt exposure and loans to corporations and entrepreneurs who could not meet their

2.2 Growth and Present status of the organization

At Standard Chartered Bank, we have been building partnerships with generations of

clients since we opened our first branches in Shanghai and Calcutta in 1853. We are one

of the few financial leaders that combine an extensive global reach with the in-depth,

specialised knowledge that comes from a history of being in local markets close to ourclients. Today, as one of the worlds leading international banks, we are dedicated to

providing unsurpassed client service and are uniquely situated to provide customised

solutions to meet all your wealth management needs.

Standard Chartered Bank has deep roots and a long heritage in international banking.

We have an extensive history in some of the world's most dynamic and fast-growing

markets, such as Asia and the Middle East. No one has a better understanding of the

wealth management needs of clients across these markets.

Standard Chartereda financial services gianthas top credit ratings and a 150-year

history in banking, with a long-term commitment and financial investment in the

Private Bank. The Standard Chartered Private Bank offers a full range of customised

wealth management products and services, including those offered by our award-


16/62


winning commercial bank. We use a broad architecture approach to investment

management to bring you some of the worlds leading money managers and financial

products.

Some key facts about Standard Chartered Bank:

Over 150 years in banking

Total assets of US$329 billion (as of March 2009)

Ranked 56th in size among top 1000 world banks (The Banker,July 2007)

70,000+ employees

A+/A3/A+ credit rating (S&P/Moodys/Fitch respectively, as of March 2008)

Listed on both London & Hong Kong exchanges

Ranks among the top 25 companies in the FTSE-100

2.3 PRODUCT AND SEVICE PROFILE OF THE ORGANIZATION

Personal Banking

Arrange of features are included for the customers ranging from accounts to insurances

and investments needs. Following are the personal services provided by the Standard

Chartered Bank:

Accounts

o

Help me choose an account

o Term Deposits

o Savings Accounts

o aXcessPlus Account
http://www.standardchartered.co.in/personal/accounts/en/accounts-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/accounts-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/accounts-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/accounts-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/accounts-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/term-deposit.htmlhttp://www.standardchartered.co.in/personal/accounts/en/term-deposit.htmlhttp://www.standardchartered.co.in/personal/accounts/en/axcessplus-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/axcessplus-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/axcessplus-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/term-deposit.htmlhttp://www.standardchartered.co.in/personal/accounts/en/accounts-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/accounts-landing.html


17/62


o SuperValue Account

o Parivaar Account

o No Frills Account

o aaSaan Account

o 2-in-1 Account

o Depository Services

o Corporate Salary Account

o Current Accounts

o

Business Plus Account

o Enhanced Business Plus Account

Credit Cards

o Choose your Credit Card

o

o Emirates Platinum Card

o Platinum Card

o Emirates Titanium Card

o Super Value Titanium Card

o Gold Card
http://www.standardchartered.co.in/personal/accounts/en/super-value-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/super-value-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/parivaar-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/parivaar-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/no-frills-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/no-frills-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/aasaan-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/aasaan-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/two-one-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/two-one-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/depository-services.htmlhttp://www.standardchartered.co.in/personal/accounts/en/depository-services.htmlhttp://www.standardchartered.co.in/personal/accounts/en/corporate-salary-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/corporate-salary-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/enhanced-business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/enhanced-business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/cc-landing.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/cc-landing.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/cc-landing.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/cc-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/enhanced-business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/corporate-salary-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/depository-services.htmlhttp://www.standardchartered.co.in/personal/accounts/en/two-one-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/aasaan-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/no-frills-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/parivaar-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/super-value-acc.html


18/62


19/62


o Smart Credit Overdraft

o Loan Against Property

o Calculators

NRI Banking

o Which account is right for me?

o NRE Account

o NRO Savings Account

o FCNR Account

o Accounts for Returning Indians

o NRI Service Centers

Exclusive Banking

o Excel Banking

o Priority Banking

o Private Banking
http://www.standardchartered.co.in/personal/loans-mortgages/en/smart-credit.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/smart-credit.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-property.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-property.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/calculators.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/calculators.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nre-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nre-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nro-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nro-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/fcnr-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/fcnr-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/accounts-for-returning-indians.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/accounts-for-returning-indians.htmlhttp://www.standardchartered.co.in/_documents/nri-banking/nri_centers.xlshttp://www.standardchartered.co.in/_documents/nri-banking/nri_centers.xlshttp://www.standardchartered.co.in/personal/exclusive-banking/en/exclusive-banking-landing.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/exclusive-banking-landing.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/exclusive-banking-landing.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/excel-banking.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/excel-banking.htmlhttp://www.standardchartered.com/in/cb/pb/index.htmlhttp://www.standardchartered.com/in/cb/pb/index.htmlhttp://www.privatebank.standardchartered.com/http://www.privatebank.standardchartered.com/http://www.privatebank.standardchartered.com/http://www.standardchartered.com/in/cb/pb/index.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/excel-banking.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/exclusive-banking-landing.htmlhttp://www.standardchartered.co.in/_documents/nri-banking/nri_centers.xlshttp://www.standardchartered.co.in/personal/nri-banking/en/accounts-for-returning-indians.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/fcnr-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nro-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nre-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/calculators.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-property.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/smart-credit.html


20/62


Insurance & Investments

o General Insurance

o Life Insurance

2.4 MARKET PROFILE OF THE ORGANIZATION

Emerging markets

If you are looking for a correspondent banking partner you can trust, Standard

Chartered can help you. We are in an excellent position to design the clearing service

that meets your needs. We have offices in every Asian country, with the exception of

North Korea and with almost 150 years of on-the-ground experience, we make this

potentially complicated process much easier for you.

Asia

Standard Chartered's well established local franchise delivered throughout Asia is well

placed to meet your needs. We have offices in every Asian country with the exception

of North Korea.

We provide a full range of services, which includes execution of payments, reporting,

liquidity management, billing and account services. This includes US dollar and euro

clearing (which commenced in April 2003 and for which Standard Chartered is the

settlement agent) in Hong Kong.

Your benefits from Standard Chartered:

Dedicated customer service and extensive local knowledge

Value-added reporting capabilities (including via the internet)
http://www.standardchartered.co.in/personal/insurance-investments/en/insurance-investment-landing.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/insurance-investment-landing.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/insurance-investment-landing.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/general-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/general-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/life-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/life-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/life-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/general-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/insurance-investment-landing.html


21/62


Consistent service levelsall our offices offering clearing services are ISO accredited

Automated service deliveryinquiries / matching / cancellations; auto repair and

detailed STP reporting

Africa

Standard Chartered is the experienced partner you can rely on to take care of your

African clearing requirements. You can entrust us with your clients' needs throughout

the region, offering them the same high level of service that they expect from you.

Africa is the latest region where Standard Chartered offers its clearing services,

complementing the coverage already provided in Asia, the Arabian Gulf, the eurozone

and the United States.Our wide clearing network in Africa is managed as one business

with a consistent approach to transactional services and service quality that is unique in

Africa.

GATEWAY BANKING

When was the last time you were offered a continent and more?

Need to expand your network to support your clients? Standard Chartereds Gateway

Banking makes all the right connections.

Your clients gain: Immediate access to comprehensive corporate banking services in

over fifteen key countries in Asia andthe Middle East, including core growth markets

such as China, India, UAE, Thailand, Malaysia, Hong Kong and Singapore.

You gain:Broader client relationships, client retention and the ability to support your

clients wherever they want to go in Asia and the Middle East.

Global trends

Corporations that were once focusing only on domestic markets are now going

international. Your clients, who once only dealt with suppliers and customers in your

network territory, now deal with trading partners in dozens of countries around the

world, especially in the high-growth, resource-rich zones of Asia, Africa and the Middle

East.


22/62


We have the answer

Standard Chartereds Gateway Banking programme gives your network an immediate

extension into the most active regions on the global trade map. Today, our programme

delivers premium services in:

Bahrain

Bangladesh

China

Hong Kong

India

Indonesia

Jordan

Malaysia

Pakistan

Philippines

Qatar

Singapore

South Korea

Sri Lanka

Taiwan

Thailand

United Arab Emirates

With a whole range


23/62


CHAPTER 3

DISCUSSIONS ON

TRAINING


24/62


3.1 STUDENTSWORK PROFILE ( ROLES RESPONSIBILITY)

The work profile of the student or the roles and responsibilities that are being handledby the student on his internship programmed at Standard Chartered Bank

1.

I am working with Standard Charted Bank as sales executives & my major

responsibilities are as follows:-

2.

My Major responsibility is to increases the revenue of the company by increasing the

sales of saving a/c.

3.

As a sales executive we are required to ensure that all the documentation/ Account

opening formalities are completed by the customer in our presence.

4.

We help the customer in completing the documentation & application form.

5.

To verify the authenticity of the documents and identify of the customer.

6.

We ensure that all mandatory fields are entered properly.

7.

Must educate the clients about risks and various possible scenarios so that the clients

dont harbor unrealistic expectations.


25/62


3.2 Description of live experiences

Standard chartered bank is the only mnc bank of india who

completed 150 yrs in india and the Indian government issue a

postal stamp for this bank only this a great achievement and I feel

honored to be a part of scb.

I knew how to work in extreme pressures.


26/62


CHAPTER -4 STUDY OF

SELECTED RESEARCH

PROBLEM


27/62


4.1 Statement of research problem

The research methodology that I undertook for the purpose of this study is enumeratedbelow-

PRIMARY RESEARCH:

This consisted questionnaire and interaction from various people. A focus group study,personal interview was conducted to design the customer survey questionnaire with a

sample size of 50 respondents. The survey was conducted in DELHI.

Personal Interviews

Conducted on a one-on-one basis

Uses an unstructured survey

Uses open-ended questions

Extensive probing questions

Usually recorded on audio tape

Interview typically lasts one hour

Usually no more than 50 persons are interviewed

SECONDARY RESEARCH:

Sources of secondary data were primarily the Internet , journals , newspaper, annualreport, database available in the library and presentations.

Libraries and other public information centres- et.

Books and business publications

Magazines and newspapers


28/62


4.2 Statement of research Objective

During this student internship program period we have to achieve something which is

helpful to the development of ourselves and some value addition to the company.

Getting more to the company because of recruitment and selection program is themain objective. It gives us good exposes of ourselves and creating good impression.

Customer & potential agents perceptions about insurance as a product

TYPES OF QUESTIONS:

OPEN ENDED:

They give the respondents complete freedom to decide the form , length and detail ofthe answer. Open questions are preferred when the researchers is interested in knowingwhat is upper most in the mind of respondents.

DICHOTOMOUS:

This type of questions have only two type of answer, yes or no. true or false etc.

MULTIPLE CHOICE QUESTIONS:In the case of multiple choice question the respondents is offered two or more choices.The researcher exhausts all the possible choices and the respondent has to indicatewhich one is applicable in this case.

Primary Research

Sometimes, the information need doesn't exist anywhere! You've searched the

Internet; you scoured the library, journals and databases all to no avail. That's

when you may need to conduct primary research, or research conducted for a

specific purpose. FYI, the secondary research you may have used was probably

someone's primary data once.

Primary Research Activities

Conducting surveys to create market data or using other research instruments

such as questionnaires, focus groups, interviews, etc.


29/62


Noting first-hand observations

Conducting experiments

Primary Research Methods

Each methodology uses "sampling" which allows the researcher to reach

conclusions about a population within a certain degree of accuracy without

having to survey everyone. It is not necessary to have a large sample size.

Samples as few as one percent of a target market can often provide reliable

results, under the direction of experienced researchers.

Primary research can be either qualitative or quantitative.

1.

Qualitative research provides definitive market information regarding theopinions and behaviours of the subjects in the market research study.

Qualitative research is used to achieve a variety of objectives:

Obtain helpful background information on a market segment.

Explore concepts and positioning of a business or product.

Identify attitudes, opinions and behaviour shared by a target market.

Prioritize variables for further study.

Fully define problems.

Provide direction for the development of questionnaires

Personal interviews and focus groups are the most common qualitative research

techniques.

Personal Interviews

Focus Groups

2.

Quantitative research creates statistically valid market information. Some

common uses for quantitative research include:

Personal Survey

Merits Demerits

1. Interviewer can observe reactions, 1. Costly


30/62


probe and clarify answers.2. Technique usually nets a high

percentage of completed surveys.2. Time consuming

3. Flexibility with location and timefor gathering information.

3. May contain interviewer biases

4.

Interviewer can use visual displays.5. Allows for good sampling control.

Telephone Surveys

Merits Demerits

1. Fast 1. Survey length is limited.2.

Lower cost than personal surveys 2.

Difficult to reach busy people3. Small response bias 3. Difficult to discuss certain topics4. Wide geographic reach compared

to personal surveys

Mail Survey

Merits Demerits

1. Wide distribution and low cost 1. Accurate lists are not alwaysavailable.

2. Interviewer bias is eliminated 2. Response is not necessarilyrepresentative of the targetpopulation.

3. Anonymity of respondents 3. Limited to length of survey.

4.

Respondent can answer at leisure 4.

Not timely.5. Clarifying and probing of answers

is not possible.6. Question order bias

Secondary Research

Usually the easiest and least expensive, secondary research is information that

already exists somewhere. It may be a study, a group of articles on a topic, or

demographic or statistical data gathered by someone else. For example, the

demographic data about car owners in your county available from your Chamber

of Commerce may be just the information you need- and it's already gathered!

Secondary Research Activities


31/62


Review and analyze the existing data on your target markets available from

magazines, books, published research studies, government publications, etc.

Evaluate the competition.

Assess environmental factors such as social, economic, political, etc.

Secondary Research Methods

Because secondary research already exists, no specific scientific method or

technique is needed to collect information. Instead, your efforts are spent

locating and gathering market information from reliable sources. Many of the

resources such as magazines, trade associations and government resources now

have materials available online.

Some resources for gathering secondary research information include:

Libraries and other public information centres-.

Books and business publications

Magazines and newspapers- Trade associations

Banks, real estate and insurance companies

Wholesalers and manufacturers-

Indian government

Media representatives-

Competition

Customer identification studies:This type of study seeks to identify the general

attributes of the target market. Customer identification studies answer questions

such as:


32/62


Purchasing power and buying habit studies:This type of study is more specific

than a customer identification study and focuses on the financial strength and

economic attributes of the target market. These studies answer questions such

as:

Opinion research studies: Opinion research studies attempt to discover the

psychological aspect, or the inner workings, of the target market. They answer

questions such as:

Competitive analysis studies: These studies investigate the competitive

marketplace within a company's target market. They answer questions such as:

Environmental studies:These studies intend to reveal the economic and political

circumstances that influence the marketplace. They answer questions such as:

Discrete choice modeling: A more advanced type of marketing research is

discrete choice modeling (DCM). As inferred by its name, marketing researchers

use DCM mainly to predict the choices that consumers will make between

discrete alternatives or courses of action. This technique investigates price

elasticity, product feature preferences, brand equity, and the share effects of

marketing mix changes. DCM answers questions such as:

Conjoint analysis: Another advanced marketing research technique is conjoint

analysis, which examines various alternatives to determine the combination of

attributes that will best satisfy the consumer. Researchers use this technique to

predict what products or services consumers will choose, to assess the weight

given to various factors that underlie these decisions, and to determine what

trade-offs people are willing to make. Conjoint analysis answers such questions

as:

Sampling


33/62


Sample

A sample is the set of observations obtained from experimental unit that were

selected from a larger group (the population). By studying the sample it is hoped

to draw valid conclusions about the larger group. If the conclusions drawn from

a sample are to be meaningful the sample must be obtained in a random fashion.

This means that each member of the population has an equal chance of being

included in the sample. This ensures that the sample is unbiased. Unfortunately,

it is not always easy to obtain a truly random sample from sampling units that

are widely dispersed. A representative sample is only possible if, before

collecting the sample, the researcher has carefully and completely defined the

population, including a description of the members to be included.

Benefits of Sampling:

Types of Samples

There are a number of different methods that might be used to create a sample.

These are as follows:

Simple Random Sampling

The most widely known type of a random sample is the simple random sample

(SRS). This is characterized by the fact that the probability of selection is the

same for every case in the population. Simple random sampling is a method of

selecting n units from a population of size N such that every possible sample of

size n has equal chance of being drawn. An example may make this easier to

understand. Imagine you want to carry out a survey of 100 voters in a small

town with a population of 1,000 eligible voters. With a town this size, there are

"old-fashioned" ways to draw a sample. For example, we could write the names

of all voters on a piece of paper, put all pieces of paper into a box and draw 100

tickets at random. You shake the box, draw a piece of paper and set it aside,

shake again, draw another, set it aside, etc. until we had 100 slips of paper.

These 100 form our sample. And this sample would be drawn through a simple


34/62


random sampling procedure - at each draw, every name in the box had the same

probability of being chosen.

Stratified Random Sampling

In this form of sampling, the population is first divided into two or more

mutually exclusive segments based on some categories of variables of interest in

the research. It is designed to organize the population into homogenous subsets

before sampling, then drawing a random sample within each subset. With

stratified random sampling the population of N units is divided into

subpopulations of units respectively. These subpopulations, called strata, are

non-overlapping and together they comprise the whole of the population. When

these have been determined, a sample is drawn from each, with a separate drawfor each of the different strata. Systematic Sampling

This method of sampling is at first glance very different from SRS. In practice, it

is a variant of simple random sampling that involves some listing of elements -

every nth element of list is then drawn for inclusion in the sample. Say you have

a list of 10,000 people and you want a sample of 1,000. Creating such a sample

includes three steps:

1. Divide number of cases in the population by the desired sample size.

2.

Select a random number between one and the value attained in Step 1.

3. Starting with case number chosen in Step 2, take every tenth record (7,

17, 27, etc.).

Cluster Sampling

In some instances the sampling unit consists of a group or cluster of smaller

units that we call elements or subunits (these are the units of analysis for your

study). There are two main reasons for the widespread application of cluster

sampling. Although the first intention may be to use the elements as sampling

units, it is found in many surveys that no reliable list of elements in the

population is available and that it would be prohibitively expensive to construct


35/62


such a list. In many countries there are no complete and updated lists of the

people, the houses or the farms in any large geographical region.

Methodology used while conducting the survey

Type of research: Quantitative research

Sampling Plan:

Population: It includes peopleof differentoccupation like:

Business class

Service class

Professionals

Any other occupation

having a savings bank account with different banks.

Sampling Type:

Simple Random Sampling: As research was done from the respondents who have a

savings bank account as mentioned in the objective of the project.

Data Source:

Primary Data collected by conducting face to face personal interviews.

Research instruments:

Questionnaire was used to extract the information from the chosen sample. Questions in

the questionnaire were:

Close ended

Multiple choice

4.3 RESEARCH DESIGN AN METHODOLOGY


36/62


Problem formulation

EXPLORATORY

RESEARCH

Research design

Design of data collection methods

and forms

Sample design and data collection

Analysis and interpretation of data

Research report


37/62


4.4 ANALYSIS OF THE DATA


38/62


SEX RATIO

The above pie chart shows the ratio of respondents taken in the survey.

The survey was having 70% male and 30% female respondents.

30%

70%

Male

Female


39/62


AGE GROUP

The above bar graph shows the age group of the respondents taken in the survey.

Out of the total percent of females i.e., 30%, 70% females lies in the age groups of 20-

30 yrs, 25% lies in 30-40 yrs, 3% and 2% in the age groups of 40-50 yrs and 50yrs-

above respectively.

The male percent in the above bar graph is 49% in 20-30 age group; 31% in 30-40; 14%

in 40-50; and 6% in 50-above age group.

49%

31%

14%

6%

70%

25%

3% 2%

0%

10%20%

30%

40%

50%

60%

70%

80%

90%

100%

20-30 30-40 40-50 50-above

Male

Female


40/62


MONTHLY INCOME

The above multiple bar graph gives the information about the income of the respondents

in a month.

Major portion of the respondents lies in the income slab of Rs.10,000-Rs.30,000 per

month.

Out of the total 70% percent of males 74% are in the income slab of Rs.10,000-

Rs.30,000 per month; 11% in the income slab of Rs.30,000-Rs.50,000 per month; 9%

and 6% in the income slab of Rs.50,000-Rs.70,000 per month and Rs.70,000-above per

month respectively.

The percent of females in the above graph is 57%, 33%, 7% and 3% in the income slab

of Rs.10,000-Rs.30,000; Rs.30,000-Rs.50,000; Rs.50,000-Rs.70,000 and Rs.70,000-

above per month respectively.

74%

57%

11%

33%

9% 7% 6%3%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%100%

10,000-30,000 30,000-50,000 50,000-70,000 70,000-above

Male

Female


41/62


OCCUPATION

The above graph gives the information about the occupation of the respondents.

From the survey 26% of males and 27% of females were professionals; 51% of males

and 20% of females were from service class however 23% of males and 53% of females

turned out to be businesspersons.

26% 27%

51%

20% 23%

53%

0%

10%

20%30%

40%

50%

60%

70%

80%

90%

100%

Professional Service Businessman

Male

Female


42/62


DO YOU HAVE A BANK ACCOUNT?

The above pie chart shows the ratio of respondents having a bank account.

The survey was having 96% people with a saving bank account whereas 4%

respondents were not having any type of bank account; they were mainly having a Post

Office Account.

4%

96%

Yes

No


43/62


WHICH BANK DO YOU PREFER?

The above graph gives the information about the bank preferred by the respondents in

the survey.

From the survey, 50% of respondents were having a Saving Bank Account with

Standard Chartered Bank; 22% were having account with HSBC Bank and 28% were

having account with other banks like SBI, PNB, ICICI Bank etc.

50%

22%28%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Respondents

Standard

Chartered Bank

HSBC Bank Other

Name of Banks

Standard

Chartered Bank

HSBC Bank

Other


44/62


WHAT DO YOU LIKE IN YOUR BANK?

The above pie chart shows the reason for having a bank account in their preferred bank.

Most of the respondents i.e. 45% like their bank because of the availability of bank

branch; 30% prefer their bank because of having ATM near their place; 10% for better

services like issuing cheque books whenever required etc; however rate of interest,

convenience and other reason is been preferred by only 5% of the respondents.

45%

30%

5%10% 5%

5%

More branches

More ATMs

Better ROI

Better services

Convenience

Other


45/62


ARE YOU COMFORTABLE WITH THE AQB AMOUNT?

The above pie chart gives the information about whether the average quarterly balance

of their chosen bank is suitable for them or not.

The responses show that 60% of respondents were comfortable; 30% were not

comfortable however 10% cant say whether the AQB is fine for them or not.

30%

10%

60%

Yes

No

Can't Say


46/62


RESPONDENTS ASSOCIATION WITH ORGANISATIONS

The above pie diagram shows the organisations with which the respondents are

associated for their savings bank account.

From above 32% of the respondents prefer having account with public sector banks out

of which SBI holds 15% of respondents, PNB with 10%, UTI 5% and Bank of Baroda

is with the least of 2% of respondents.

However there are 68% of respondents who have association with private sector banks

out of which 19% is for ICICI Bank, 13% for Standard Chartered Bank, 10% for HSBC

Bank, 8% for HDFC Bank and remaining 18% is with other banks like Kotak Mahindra

Bank, Bank of Maysore etc.

15%

10%

5%2%

8%

19%

13%

10%

18%SBI

PNB

UTI Bank

Bank of Baroda

HDFC

ICICIStandard Chartered

HSBC

Others


47/62


LIMITATIONS

Following are the limitations faced by me during this project:

1. The allotted time period of 6 weeks for the study was relatively insufficient,

keeping in mind the long duration it can take at times, to close a particular

corporate deal.

2. The study might not produce absolutely accurate results as it was based on a

sample taken from the population.

3. It was difficult getting time and access to senior level Finance/HR managers

(who had to be talked to, to get required information) due to their busy

schedules and prior commitments.

4. A few of the managers refrained from giving the required information as he

considered I to be from their confidential domains.


48/62


CHAPTER -5 SWOT ANALYSIS OF THE

ORGANIZATION


49/62


Swot Analysis of Standard Chartered Bank

Strengths Weakness

Support of its parent company and promoters viz

.standard chartered bank.

RM. Doesnt give much importance on small

companies.

Competitive rates.

Account access problem of customers.

Good and divers products.

Network of branches.

Flexible spread margin.

Highly qualified research team.

Strong network throughout India strong presence in

West, North and South.

Opportunities Threats

The growing interest in the derivative and foreign

exchange market.

Competition from major players like ICICI

BANK,KOTAK MAHIDRA BANK,HDFC

BANK,SBI BANK,HSBC BANK,AXIS BAN

ETC.

Recovery of Indian stock market The downfall in the export market due to glob

recession. Speculation in the derivative market.


50/62


CHAPTER-6 SUMMARY

AND CONCLUSIONS


51/62


6.1 Summary of learning experience

These are the conditions and facts of the organisation. Now, what the bank will do? I

have taken the case of STANDARD CHARTERED BANK CMS. This is regarding

how the bank makes deal with the company.

The STANDARD CHARETERED BANK will analyses the location of the

company. The ABC Ltd. have sixteen locations in the country. This is not alwayspossible to have the branches at each location of the client for the banks. In this case,

we are taking the assumptions as follows:

In 10 locations of the company, the bank has its own presence.

In 2 locations of the company, the bank has tie-up with correspondent bank

And in remaining 4 locations, the bank has no presence as well as no tie-up with any

other bank.

How the bank makes allocation of the different instruments?

The bank broadly categorized the instruments into two types:

Local Cheque Collections (LCC)

LCC are the cheques, which are drawn and deposited at the same location. Eg. A

Cheque drawn at Jaipur and deposited at Jaipur only.

The LCC is again categorised into two types:

LCC BRN:


52/62


A local Cheque which is drawn and deposited at the same location where the bank has

its own presence.

LCC COR:

A local Cheque which is drawn and deposited at the same location where the bank

doesnt have its own presence but has tie up with correspondent Bank.

Upcountry Cheque Collections (UCC)

The UCC are the cheques, which are drawn and deposited at different locations. Eg. A

Cheque drawn at Jaipur and deposited at Delhi.

The UCC is again categorised into two types:

UCC BRN:

A upcountry Cheque which is drawn at one location and deposited at another location

where the bank has its own presence.

UCC COR:


where the bank has tie-up with correspondent Bank.

UCC ONW:


where the bank neither have its own presence nor have tie-up with correspondent bank.

PRICING:

Pricing is competitive; varies from centre to center. It also varies from instruments to

instruments.


53/62


Special pricing can be worked out taking into account the volume of funds & the

centres. The pricing part of the CMS is very complex. Normally, the STANDARD

CHARTERED bank takes into account the following factors while going for pricing:

Bank In Funds/ Out of Funds & Correspondent Bank Charges:

When Cheque is deposited in the bank it passes through the clearing house. In India,

clearing is done through RBI, SBI and PSU banks. The RBI has presence in 15 cities in

India while SBI has 938 locations in India including its associates. other cities where

clearing house is not there, the clearing is done through Correspondent Bank, mostly

these are PSU Banks or Co-operative Banks.

Suppose I deposit the Cheque on day 0, then the time taken by the clearing houses to

debit the bank account would be different. The SCB has to debit its customers account

on the next day basis irrespective of days to clear.

Day when the

Cheque will be

credited

Clearing Bank Days for which

bank is out

fund

Bank In Fund/Out

of Fund

Day1 RBI 0 Not out of fundsDay2 SBI 1 1 Day out of funds

Day3 Correspondent Bank 1 1 Day out of funds

In this case, the bank charges interest on the money which it gives in form of

Credit Against Uncleared Cheque, to the company. When it comes to the

Correspondent bank, the bank has to pay extra charges to these banks.

Overheads:

The bank takes into account the o/hs charges, which it occurs in the process. The o/hs

charges includes salary, administration charges, maintenance etc.


54/62


Margin:

After including the transaction and other o/hs charges, the bank gets the cost of

transaction. On this the bank adds its margin for being in the business.

In pricing, other elements like courier charges, return cheques etc. also considered.

Pricing in CMS in generally negotiable between the company and the Bank.

Features of STANDARD CHARTERED Bank CMS:

Exclusive CMP desks with infrastructure

Debit Transfers

Courier pick-up at branches

No collection a/cs needed at branches

Customised Reports

Transmission of data through Internal LAN system

Direct credit to accounts

Benefits to Customers:

Centralised Control of cash

Cost reduction

Enhanced Liquidity

Interchange of Information between treasury & operating units

Reduced excess cash balance

Cash forecasting & scheduling

Effective control over disbursements

Timely & effective investments


55/62


LIMITATIONS

Following are the limitations faced by me during this project:

The allotted time period of 6 weeks for the study was relatively insufficient, keeping in

mind the long duration it can take at times, to close a particular corporate deal.

The study might not produce absolutely accurate results as it was based on a sample

taken from the population.

It was difficult getting time and access to senior level Finance/HR managers (who had

to be talked to, to get required information) due to their busy schedules and prior

commitments.

A few of the managers refrained from giving the required information as he considered

I to be from their confidential domains.


56/62


6.2 Conclusions and Recommendations

Conclusions

The study allowed us get answers regarding the service awareness among people and

the problems it faces. The key findings and analysis of the survey shoed the following

A large number of clients and customers call the branch frequently to handle banking

issues , this shows the keenness of the customers to call the branch for almost every

small issue. The service Straight2bank does provide an answer to the problem of the

customers.

The service provided by staright2bank does offer the main requirements of the

customers for which they visit or call the branch

All the respondents wanted to carry out the banking needs at their convenience. This

means the service caters the banking needs that customers generally require and its

main benefit of banking while sitting at office is desired by one and all, thereby proving

that the service does have the potential usage.

Few of the respondents were aware about the service which was desired by 100%

respondents clearly showing that there has been a falter in its promotion and awareness

strategies.

Customers were not aware that the service was a free one, this is clear that almost all

the attributes of the services are favorable to the customers still customers are not using

the service and are not even aware of it.


57/62


Almost all customers once educated about the service readily enrolled for it whereas a

mere portion did not trust the bank and thought that the bank would have some hidden

charges that they are not putting forward

Many clients who enrolled for the staright2bank service would have problems using it

as the drop boxes are not strategically placed many areas do not even have drop box

facility; Standard chartered Bank must look into the policies of installing the drop box.

They should assign it to the regional office or allow branches to put up boxes where the

branch thinks it would be optimally utilized no matter which area of the city as of now

that branches are allowed to put up drop boxes in a radius which falls in close by areas

to the branch. A customer who lives close by to the branch would not use this service

whereas customers who are far of require the service, however the branch cannot

provide them with the facility as they cannot install the boxes in that area and it is the

duty of the local branch of that area to put up boxes which is not happening they hardly

know where customers of the other branch are located

RECOMMENDATIONS

We suggest following measures, which Standard chartered Bank could take so as to take

on heavy competition from HSBC Bank and ABN AMRO Bank:

To identify regions where promotions are required. SCB lacks visibility in western

region where as it is a well known name in western region. Even then, its promotional

campaign focuses on western region where as northern region is still waiting for

promotional campaigns.

Try to reduce cost, so that benefits can be passed on to customers. Senior managers at

SCB keep on telling that it is difficult to reduce cost, because of services we provide.


58/62


59/62


APPENDIXES

QUESTIONNAIRE

(SAVING BANK ACCOUNT)

Please tickyour responsewherever appropriate.

1. Name:_______________________________ Contact: __________________

2.

Location: _______________________________________________________

3. Sex: Male Female

4. Age: 20-30 yrs. 30-40 yrs. 40-50 yrs. 50 yrs above

5. Income (Monthly):10,000-30,000 30,000-50,00050,000-70,000 70,000 and above

6. Occupation:

Professional BusinessmanService Any other,

Please specify______________________

7. Do you have a bank account?Yes No

8. With which bank do you prefer having your account?Standard Chartered Bank HSBC Bank Other

9. Why do you prefer the bank chosen above?It has more branches of the bank More ATMsBetter Rate of Interest Better services provided by yourbankConvenient Banking Other

10.Do you think that the Average Quarterly Balance is convenient for the aboveoption?

Yes No Cant Say


60/62


11.With which organization you are associated with?Public: SBI PNB UTI Bank Bank of Baroda

Private: HDFC ICICI HSBC Standard Chartered

Any Other:________________________

THANKING YOU


61/62


BIBLIOGRAPHY

www.scb.com

www.scb.co.in

www.hsbc.co.in

www.hsbc.com

www.google.com

www.axisbank.com

www.abnamro.com

www.hdfc.com

www.lic.com

www.inc.com

www.treasurymanagement.com

www.business.ml.com
http://www.scb.com/http://www.scb.com/http://www.scb.co.in/http://www.scb.co.in/http://www.hsbc.co.in/http://www.hsbc.co.in/http://www.hsbc.com/http://www.hsbc.com/http://www.google.com/http://www.google.com/http://www.axisbank.com/http://www.axisbank.com/http://www.abnamro.com/http://www.abnamro.com/http://www.hdfc.com/http://www.hdfc.com/http://www.lic.com/http://www.lic.com/http://www.inc.com/http://www.inc.com/http://www.treasurymanagement.com/http://www.treasurymanagement.com/http://www.business.ml.com/http://www.business.ml.com/http://www.business.ml.com/http://www.treasurymanagement.com/http://www.inc.com/http://www.lic.com/http://www.hdfc.com/http://www.abnamro.com/http://www.axisbank.com/http://www.google.com/http://www.hsbc.com/http://www.hsbc.co.in/http://www.scb.co.in/http://www.scb.com/


62/62

project report of compititve analysis

Documents