bank in services sector management

8/8/2019 bank in services sector management

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“The great inventions that have taken

place since the beginning of the timeare

,THE FIRE THE WHEEL&

.BANKING ”

- WILL

ROGERS



WHAT LED TO THE SET UP OF CENTRAL

BANKS IN DIFFERENTCOUNTRIES?



v Lending and borrowingvv Its origin

vv Definition of bank vv



:CATEGORISATION

1.Nationalized (government owned)2.Private banks and3.Specialized banking institutions.

,Banking Regulation Act of India1949



:FUNCTIONS OF A BANK

1. Accepting Deposits from public/others(Deposits)2. Lending money to public (Loans)3. Transferring money from one place to another

4. Credit Creation5. Acting as trustees6. Keeping valuables in safe custody

7. Investment Decisions and analysis8.Government business9. Other types of lending and transactions.



:TYPES OF BANKS

v Central Bank:v Commercial Banks :v Agricultural Banks :v Foreign Exchange Banks :v Public Sector Banksv Private Sector Banksv Co-operative Sector

v Development Banks/Financial Institutions:



.Services provided by banks.Services provided by banks

1.Easy banking.

2.Mobile /SMS banking.

3.Net /E-banking.

4.ATM’s (Automatedteller machines).

5.Proxy banking.

6.NRI services.



.PROXY BANKING

A kiosk has been set up by ICICI Bank in partnership with network n-LogueCommunications in remote villages .

Reasons?

Benefits?



.NRI services

Almost all the Indian Banks provide services tothe NRIs.

Non-Resident (Ordinary) Account - NRO A/c Non-Resident (External) Rupee Account - NRE

A/c

Non-Resident (Foreign Currency) Account -

FCNR A/c



/ .Mobile Sms banking

“The account that travels withyou.”

Hottest area of development inthe banking sector.

System works –SMS/ WAP. BENEFITS:

-Bill payments.

-Fund transfers. Cheque payment

http://www.google.co.in/imgres?imgurl=http://www.tataindicomtotalinternet.in/paymentmode/images/netbanking.jpg&imgrefurl=http://www.tataindicomtotalinternet.in/paymentmode/paymentmode.htm&usg=__KAnrL6tP1LDiPKGcoEEA7y4a0HU=&h=79&w=145&sz=6&hl=en&start=20&um=1&itbs=1&tbnid=AhqyMCJ-yApbXM:&tbnh=52&tbnw=95&prev=/images?q=net+banking&um=1&hl=en&sa=N&tbs=isch:1




/ - .NET E BANKING

Conducting bankingOnline.

Hardly 10 per cent of

Indian customersuses the internet for banking.

Max. use-only for

checking balanc es& requesting issueof new cheque

books.





:Services

- (A)Queries:: Check Balance

See Statement

Inquire about cheque status.

Ask for a statement , see Demat A/c.etc.

-(B)Transactions:

Shop online,pay credit card dues,Stop a cheque,

Transfer funds between accounts/ third party,etc.



’ .7 P s of banking sector

.PRODUCT MIX

.PRICE MIX

.PLACE MIX

.PROMOTION .PEOPLE

.PROCESS

.PHYSICAL EVIDENCE



PRODUCT MIX

Saving’s a/c offerings:

-ATM network.

-7 day banking

-iconnect net banking.

Credit cards offerings:

-R ewards.

-Dial-a-draft.

-Credit limit increase.

-24 hours ATM

-Photo card.-Overdraft facility.

http://www.google.co.in/imgres?imgurl=http://www.thrissurtoday.com/images/banks/bank_02.jpg&imgrefurl=http://www.thrissurtoday.com/bank.html&usg=__qbuiZ3gn0BAu_e0AAAK0w5ZTV5g=&h=142&w=192&sz=2&hl=en&start=9&um=1&itbs=1&tbnid=zfpmKsaEjWXhMM:&tbnh=76&tbnw=103&prev=/images?q=UTI+bank.&um=1&hl=en&sa=N&rlz=1R2ADBS_en&tbs=isch:1







Price mix

ATM card issue. Free-2 ATM cardsissued free if it is a joint

account Add-on card Rs.100 –beyond 2

cards.Duplicate card. Rs. 100.



…contd

CURRENT A/C SAVINGS A/C.

Transaction charges nil Nil

Issue of a newcheque book

nil Nil.

Account closure Rs 100. Rs.100.

Issue of duplicatestatement

Rs.25 per pageRs 25.per page.



.PLACE MIX Factors affecting the location analysis of a bank: 1. The trade area 2. Population characteristics 3. Commercial structure

4. Industrial structure 5. Banking structure 6. Proximity to other convenient outlets 7. Real estate rates

8. Proximity to public transportation 9. Drawing time



.PROMOTION MIX

Two of the fastestgrowing moderntools of communicating withthe customers are:

1. Internet Banking

2. Mobile Banking .

http://www.google.co.in/imgres?imgurl=http://images.clipartof.com/small/22926-Clipart-Illustration-Of-A-Serious-White-Man-Reading-Papers-And-Documents.jpg&imgrefurl=http://www.clipartof.com/details/clipart/22926.html&usg=__lTfpoV9aJw7mN2oMqSgIZnmpfAM=&h=450&w=450&sz=40&hl=en&start=1&um=1&itbs=1&tbnid=-4cGdRxDSFio6M:&tbnh=127&tbnw=127&prev=/images?q=papers+or+documents.&um=1&hl=en&sa=N&rlz=1R2ADBS_en&tbs=isch:1

http://www.google.co.in/imgres?imgurl=http://img1.loadtr.com/b-422536-Animated_People.jpg&imgrefurl=http://en.loadtr.com/Animated_People-422536.htm&usg=__JGDFoW-rBEX5554iBJ3bQGqmOaM=&h=226&w=226&sz=16&hl=en&start=5&um=1&itbs=1&tbnid=vxoEleiNVPgG-M:&tbnh=108&tbnw=108&prev=/images?q=people+animated&um=1&hl=en&rlz=1R2ADBS_en&tbs=isch:1




.People and Process mix

Eg.of PROCESS MIX: Let’s take for example the process for application for acar loan.

Now this mainly involves 3things:

1. Producing of proper documents.

2. Filling up of applicationform.

3. Paying for the initial down payment .







.PHYSICAL EVIDENCE

Eg.of HSBC BANK.(HONG KONGSHANGAI BANKINGCORPORATION).



-CASE STUDY I

COMPLAINTHANDLING-HDFC

bank.

-Explanation.

-Complaint resolutionmodel.



– .CASE STUDY II

The Consumers Association with the bank.

(ICICI bank).-Explanation.

-Analysis of the case.(RATER Analysis).



CAREER

OPPORTUNITIES.

CAREER PROSPECTS.

REMUNERATIONS.

EDUCATIONAL QUALIFICATIONS.

VARIOUS OCCUPATIONS.



FUTURE PROSPECTS OF BANKS

.OVERVIEW

.RISK MANAGEMENT

.CONSOLIDATION

.GLOBALISATION .TECHNOLOGY

REGULATIONS

.SKILLED MANPOWER



.CHALLENGES

Market disipline.

Adopting internationalstandards.

Technology banking. Rural banking.

HRD in banks.

http://www.google.co.in/imgres?imgurl=http://doversherborn.comcastbiz.net/doverelementary/Library/CANADA/Conclusion.gif&imgrefurl=http://doversherborn.comcastbiz.net/doverelementary/Library/CANADA/&usg=__ep-mi8jb8EqXKKw6g360kRogPUc=&h=720&w=700&sz=149&hl=en&start=14&um=1&itbs=1&tbnid=FUnZVFbxSETTqM:&tbnh=140&tbnw=136&prev=/images?q=CONCLUSION.&um=1&hl=en&sa=N&tbs=isch:1



.CONCLUSION

