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					         ECONOMICS PROJECT ON

            PERSONAL BANKING



            By
    A.Sandeep(DM-05-04)
   SD.Sameer(DM-05-52)
   N.SaiSuman(DM-05-40)
   K.Sundeepa(DM-05-28)
D.DheerajSwaroop(DM-05-16)
 V.NagaKishore(DM-05-64)
      PERSONAL BANKING
• Personal Banking refers to all the services
  like Savings Account Operations, Current
  Account Operations, Provision of Personal
  Loans, Mortgage Loans, Home equity
  Loans, Credit Card Services, ATM
  facilities and all other facilities that the
  Banks offer to persons or individuals.
Indian Banking systems
                BANKING IN INDIA               Number
                                                        No.of   Total
                                                  of                    Net Profit
                      Bank Name                        Employ Income(R
                                               Branche                   (Rs Mn)
                                                         ees    s Mn)
                                                  s
State Bank of India                            9143    198774    431836     44067

ICICI Bank Limited                             557    25479      187676     25401

Punjab National Bank                           4066   58047      108153     14393

Canara Bank                                    2532   46893      100890     13432

Bank of Baroda                                 2687   38737        82917     8270

Bank of India                                  2563   41808        82131     7014

Industrial Development Bank of India Limited   173    4548         66612     5609

Union Bank of India                            2095   25421        64888     6752

Central Bank of India                          3143   37241        59164     2574

HDFC Bank Limited                              515    14878        55993     8708

Indian Overseas Bank                           1523   24178        51345     7834

UCO Bank                                       1749   24510        48183     1966

Oriental Bank of Commerce                      1161   14962        46717     5572

Syndicate Bank                                 1897   24624        46420     5365

Allahabad Bank                                 1932   18742        43739     7061
                      Andhra Bank
•   Vehicles loans—two and 4 wheelers
•   Doctor plus (medical loans)
•   Housing loans
•   Personal loans
•   Clean loans
•   Mortagage loans
•   Loans against rental receivables
•   Agricultural loans
•   Education loans
•   Finance purchase of land for agricultural purpose
• It (AB) has shown good overall business growth
  over a period of time.
• It is present in 21 states and 2 union territories
  with 2139 business units (1371 branches, 115
  extension counters and 664 ATMs)
• It had launched a special campaign for
  mobilization of current and saving bank deposits
  to improve the deposit mix and contain cost of
  deposits
• Andhra Bank India provides a number of good
  services to both domestic customers as well as
  NRIs. In India it supports Small Scale Industries
  as well as big business with its attractive and
  easily available loan schemes.
• Total Business volume of the bank in the third
  quarter of the 2008-09 financial year stood at
  Rs. 95, 822 Crores, while the Total Deposit
  volume during the same tenure was Rs. 53,795
  Crores.
                        HDFC BANK
•   Personal loans
•   Smart drafts
•   Home loans
•   Two wheeler loans
•   New car loans
•   Used car loans
•   Education loans
•   Loans against securities
•   Loans against property
•   Loans against rental receivables
•   Health care finance
•   Tractor loans
•   Working capital finance
•   Construction equipments finance
•   Warehouse receipt loans
• Increase the market share in India’s
  expanding banking and financial services
  industry by following a disciplined growth
  strategy focusing on quality and not on
  quantity and delivering high quality customer
  service.
• HDFC Bank will raise Rs 3,114 crore . The
  HDFC preferential issue consists of 1.8 crore
  equity-shares, which is 7.11% of the total
  issued and paid-up capital.
• which needs over Rs 600 crore every year
• Develop innovative products and services
  that attract the targeted customers and
  address inefficiencies in the Indian financial
  sector.
• Continue to develop products and services
  that reduce cost of funds.
• authorized capital of Rs 550 crore (Rs5.5
  billion)
• paid-up amount is Rs 424.6 crore (Rs.4.2
  billion)
• equity share, HDFC Group holds 19.4%
• The bank has about 570,000 shareholders
• Personal Banking, Savings Accounts, Salary
  Accounts, Current Accounts, Fixed Deposits,
  Demat Account, Loans, Investments & Insurance,
  Forex Services
• RBI approved the amalgamation of Centurion
  Bank of Punjab with HDFC Bank. With this, the
  Deposits of the merged entity became Rs.
  1,22,000 crore, while the Advances were Rs.
  89,000 crore and Balance Sheet size was Rs.
  1,63,000 crore
                        ICICI BANK
•   Home loans
•   Loan against property
•   Personal loans
•   Car loans
•   Two wheeler loans
•   Loans against securities
•   Loans against gold ornaments
•   Construction equipments
•   Pre-approved loans
•   Agricultural loan
• ICICI Bank is India's second-largest bank
  with total assets of Rs. 3,674.19 billion
  (US$ 77 billion)
• Net interest margin maintained at 2.4%
• The Bank has a network of 1,560
  presence branches and about 4,816 ATMs
  in India and in 18 countries.
• ICICI Holdings may have completed its 5%
  stake placement for USD 500 million
• This company was recently created by
  ICICI to hold its 74% stakes in the life and
  general insurance business.
• ICICI Prudential and ICICI Lombard will
  continue to require large dollops of capital
  as the life insurance business is growing
  at 104% annually while the general
  insurance business is clocking a growth of
  over 88%.
                 SBI BANK
•   Home loans
•   Personal loans
•   Vehicle loans
•   Loan against securities
•   Business loans
•   Education loans
• SBI personal deposit schemes include SBI
  savings accounts, term deposits, current
  accounts, multi option deposit schemes,
  fixed and recurring deposits and special
  SBI tax saving deposit schemes. The
  personal finance schemes by state bank of
  india include all the personal loans like
  housing loans, car loans, education and
  career loans, loans against securities and
  more.
• SBI is a scheduled commercial bank providing its
  customers with a significant combination of the
  professionalism, expertise, experience, ethical
  standards of SBI along with international reach all
  over the world.
• Along with the personalized service of a small
  bank, offers the customers with the satisfaction
  and security of handling their finances to India's
  biggest as well as most trusted bank SBI which
  has 13,000 branches in India and 52 international
  offices in 34 countries all around the world.
• The financial performance of SBI for
  FY2007-2008 is also commendable
• paid up capital of Rs.100 crore
• net profit of 12.85 crores
• reserves of the bank 14.53 crores
• operating profit of the bank is estimated to
  be 12.37 crore.
• Current market share 17%
• Expected advances growth 25% (29%)
• Expected deposits growth 17% (13%)
• SBI regains its market share by at least
  two per cent over the next couple of years.
• Even if the bank's market share increases
  by one per cent every year for the next
  two-three years, it would be an
  achievement
• Rs 2,300-crore raised by SBI through an
  issue of bonds, the bank required to raise
  another Rs 2,000-2500 crore in the current
  fiscal to meet the credit requirements
• It also intended to be a major player in
  handling government business with a share
  of 60 per cent at over Rs 890,000 crore now
• They have retained the market share among
  the top 200 companies
VARIOUS TYPES OF GOODS AND COMPETITION AMONG THEM
                 Public banks
•   Andhra Bank
•   Bank of Baroda
•   Bank of India
•   Bank of Maharashtra
•   Canara Bank
•   Central Bank of India
•   Corporation Bank
•   Dena Bank
•   Indian Bank
•   Indian Overseas Bank
•   Oriental Bank of Commerce
                     Private banks
•   Axis Bank
•   Bank of Rajasthan
•   Catholic Syrian Bank
•   City Union Bank
•   Development Credit Bank
•   Dhanalakshmi Bank
•   Federal Bank
•   HDFC Bank
•   ICICI Bank
    Deposit Rates of public banks
                               Fixed Deposit Rates in Public Sector Banks

                              15-  30-  46-  61-  91- 120- 180- 271-                                        Up to      With
                                                                       1-2                    2-3     3-5
Bank Name                      29   45   60   90 120 179 270 364                                                5    ef f ect
                                                                     Years                  Years   Years
                             Days Days Days Days Days Days Days Days                                        Years     f rom
Allahabad Bank               5.00   5.50   6.50   6.50   7.00   7.00   8.00   8.00   9.50   10.00   10.50   11.00    1-4-99
                                                                                     10.0
Andhra Bank                  5.50   5.50   7.00   7.00   8.00   8.00   9.50   9.50          10.50   11.00   11.00    1-4-99
                                                                                        0
Bank of Baroda               5.00   5.00   6.00   6.00   6.00   6.00   7.00   7.00   8.00    9.51   10.50   10.50    5-4-99
Bank of India                5.00   5.00   5.50   6.50   6.50   6.50   7.00   7.00   8.00    9.50   10.00   10.00   21-7-99
Canara Bank                  5.00   5.00   6.00   6.00   6.50   6.50   7.50   7.50   9.00    9.50   10.00   10.00   16-8-99
Central Bank                 5.00   6.00   6.50   6.50   7.00   7.00   8.50   8.50   9.50    9.50   10.50   10.50   12-3-99
Dena Bank                    6.00   6.00   6.25   6.25   6.75   6.75   7.75   7.75   9.00   10.00   10.50   10.50    9-8-99
                                                                                     10.0
Indian Bank                  5.00   5.00   7.00   7.00   8.00   8.00   8.50   8.50          10.50   11.00   11.00   17-5-99
                                                                                        0
Indian Overseas Bank         5.00   5.00   6.00   6.00   7.50   7.50   8.00   8.00   9.50   10.00   10.50   10.50    1-4-99
Oriental Bank                5.00   5.00   6.50   6.50   7.00   7.00   8.00   8.00   9.50   10.00    10.5    10.5    1-4-99
Punjab & Sind Bank           6.00   6.00   6.50   6.50   7.00   7.00   8.00   8.00   9.50   10.00    10.5    10.5   18-5-99
State Bank of Hyderabad      5.00   5.00   6.50   6.50   7.00   7.00   8.00   8.00   9.50    9.50   10.50   10.50   15-3-99
State Bank of India          5.00   5.00   5.50   5.50   5.50   5.50   7.00   7.00   9.00    9.50   10.50   10.50   15-3-99
State Bank of Mysore         5.00   5.00   5.50   5.50   5.50   5.50   7.00   7.00   9.00    9.50   10.50   10.50    5-3-99
S.B.T                        5.00   6.00   6.50   7.00   8.00   8.00   8.00   8.00   9.00   10.00   10.50   10.50          -
                                                                                     10.0
Syndicate Bank               5.00   5.50   7.00   7.00   7.25   7.25   8.00   8.00          10.50   11.25   11.25   15-3-99
                                                                                        0
U.B.I                        5.00   5.00   6.00   6.50   7.00   7.00   8.00   8.00   9.00   10.00    10.5    10.5    1-4-99
                                                         10.0   10.0   10.0   10.0   10.5
North Malabar Grameen Bank   5.00   7.00   8.00   8.00                                      11.00   11.00   12.00   1-12-99
                                                            0      0      0      0      0
              fixed deposit rates of Private Banks
                                    Fixed Deposit Rates in Private Sector Banks
                                                          91-   120-   180-   271-                            Up to        With
                            15-29 30-45 46-60 61-90                                    1 -2    2-3     3-5
Name of the Bank                                          120    179    270    364                                5   effective
                             days Days Days Days                                      Years   Years   Years
                                                         Days   Days   Days   Days                            Years       from

Bank of Madura               5.50   6.50   6.50   7.50   8.50   8.50   9.50   9.50    10.00   10.50   11.00 11.00      16-8-99

Centurion Bank               6.50   8.00   8.25   8.50   9.25   9.25 10.25 10.25      10.50   11.25   11.25 11.25      24-6-99

City Union Bank              5.00   6.00   7.00   8.00   9.00   9.00 10.00 10.00      10.50   10.50   10.00 10.00       1-6-99

Global Trust India           6.50   8.00   8.00   8.00   9.25   9.25 10.00 10.00          -       -   11.25 11.50      18-8-99

H.D.F.C Bank                 5.00   8.00   8.00   8.00   9.00   9.00 10.00 10.00      10.00   10.00   10.00       -    10-4-99

I.C.I.C.I Bank               5.00   6.00   7.00   7.00   8.00   8.00 10.00 10.00      10.50   10.50   10.50 10.50       1-8-99

I.D.B.I.                     5.00   8.00   8.00   8.00   9.00   9.00   9.50   9.50        -       -   10.50       -    21-8-99

IndusInd Bank                5.50   8.00   8.00   8.00   9.00   9.00 10.00 10.00          -   11.25   11.25 11.25       2-8-99

Lord Krishna Bank            5.50   5.50   8.00   8.00   8.00   8.00   9.50   9.50    11.25   11.25   11.25 11.25       1-5-99

Tamilnadu Mercantile Bank    6.00   6.00   7.50   7.50   9.50   9.50 10.50 10.50      11.00   11.00   11.50 11.50       7-5-99

Catholic Syrian Bank         6.00   6.00   8.00   8.00   8.50   8.50   9.00   9.00    10.00   10.50   11.00 11.00      19-4-99

Dhana lakshmi Bank           7.00   7.00   8.00   8.00   9.00   9.00   9.50   9.50    10.50   11.00   11.50 11.50       1-9-99

Federal Bank                 5.00   5.00   7.00   7.00   7.50   7.50   8.00   8.00     9.50   10.00   10.75 10.75       1-9-99

J.& K. Bank                  5.50   5.50   7.00   7.00   9.25   9.25 10.00 10.00      10.25   10.50   11.00 11.00     15-12-99

South Indian Bank            5.00   5.00   7.00   7.00   7.50   7.50   8.50   8.50     9.50   10.25   10.75 10.75      15-9-99

Nedungadi Bank               6.00   6.00   8.00   8.00   9.00   9.00 10.00 10.00      10.50   11.50   11.50 11.50       1-4-99

Vysya Bank                   5.75   5.75   7.25   7.25   8.25   8.50   9.00   9.00    10.50   10.75   11.00 11.00       2-8-99

Times Bank                   6.00   8.00   8.00   8.00   9.00   9.00 10.00 10.00       10.5    10.5    10.5       -    16-8-99

U.T.I. Bank                  5.50   8.00   8.00   8.00   9.00   9.00      -       -       -       -    11.5    11.5     1-5-99
CONSUMER FEEDBACK ABOUT EACH BANK
HDFC
ICICI
Andhra bank
SBI BANK
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posted:6/24/2011
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