Presented By: Anil Mouraya Maryann Dsouza Neha Dalvi Sukhada Manjrekar Dharmishtha Akshada Desai
STANDARD CHARTERED Founded --1853 Headquarters -- London Key people -- John Peace Industry -- Banking Products -- Financial Services Operating Profit -- $ 19.071 b Profit -- $4.985 b Employees -- 86,865
HSBC 1865 London Douglas Flint Banking FinancialServices $20.64 b $14.02 b 2,60,590
Contd..
Branches
(world) - 1700 (India) - 90
7200 62 Pune Naina Lal Kidwai
Head quarters in India - Mumbai CEO in India - Neeraj Swaroop
DIFFERENT PRODUCT AND SERVICES OF STANDARD CHARTERED BANK & HSBC BANK
Saving accounts
Current accounts
PERSONAL BANKING
Demat accounts
Corporate salary account
Other services
Phone or Mobile banking
Net banking
Atm services
NEFT (national electronic fund transfer
RTGS (real time gross settlement)
contd
Return on Assets = Net Operating Income Total Assets
Ratio March, 2012 Return on Assets (%) 4.8 March, 2011 3.8 March, 2010 4.1 March, 2009 3.96
Return on Assets (%)
4.2
3.4
3.01
2.27
contd
Shareholders equity to assets = Shareholders equity Total Assets
Ratio Shareholders equity to assets (%) Shareholders equity to assets (%) 11.53 10.08 9.87 8.32 March, 2012 12.9 March, 2011 10.5 March, 2010 11.39 March, 2009 9.85
contd
Loans to Assets = Loans Total assets
Ratio March, 2012 Loans to Assets (%) Loans to Assets (%) 49.04 45.37 48.33 52.10 46.39 March, 2011 38.48 March, 2010 45.41 March, 2009 51.11
Trend Analysis
EPS (Earning Per Share)= Profit after interest & tax No. of equity EPS(%) shares 140 120124
120 100 80 60 40 20 0 1 2012 HSBC 2011 2010 2009 112 105 100100 95 100
Standard Chartered
Trends of Net Profit Trends of Net Profit
180 160 140 120 100 80 60 40 20 0 152155
(%) 147
139
127125
98 100
March,2012 March,2011 March,2010 March,2009 HSBC Standard Chartered Column1
Trends in Interest Earned
Trends in Interest Earned (%)
160 140 120 100 80 60 40 20
0 March,2012 March,2011 March,2010 March,2009 HSBC Standard Charetered 146140 135139 128 120 105100
Trends in Interest Expended
160 140
Trends in Interest Expended (%) 140139 138
130
128125
120
100 80 60 40 20 0
116 100
March,2012 March,2011 March,2010 march,2009 HSBC Standard Chartered
Comparative Analysis of Standard Chartered Bank and HSBC on Retail Banking Services
Objectives of Study
To compare the Retail Banking services of Standard Chartered And HSBC.
To check the awareness level of customers.
To study the level of satisfaction of customers.
Data Analysis And Interpretation
Dealings with Banks
Response of Sales
50%
50%
Standard chartered HSBC
No. of years of association with banks
Years associated Responses of HSBC Responses of Standard Chartered 12 (24) 10 (20) 11 (22) 12 (24) 15 (30) 13 (26) 13 (26) 14 (28)
1-2 years
2-3 years 3-4 years More than 4 years
Degree of awareness among customers regarding services
Services Responses of HSBC Responses of (mean) Standard Chartered (mean) Savings an banking 4.04 3.18 Debit cards 3.38 3.28 Credit cards 2.78 2.96 Insurance/Investment 2.58 2.70 E-banking and related 2.98 2.98 services
Type of account in the bank
Type of account Respondents of HSBC 26 (60) 6 (14) 7 (16) 4 (10) Respondents of Standard Chartered 24 (62) 6 (15) 6 (15) 3 (8)
Savings account Current account Corporate salary account Demat account
Usage of ATM by customers
Usage of ATM
Never Weekly Monthly
Responses of HSBC
22 (44) 16 (32) 12 (24)
Responses of Standard Chartered
20 (40) 17 (34) 13 (26)
Problems faced by customers while using ATM
Problem in using ATM ATM is not working Card arrested by machine Shabby area No money in the machine Any other problem No problem Responses of HSBC Responses of Standard Chartered 2 (7) 2 (9) 3 ( 11) 1 (5)
0 3 (11) 2 (7) 18 (64) 0 5 (22) 1 (5) 13 (59)
Type of Credit Cards used
Type of credit card Responses of HSBC Responses of Standard Chartered
Platinum Gold Classic
10 (78) 6 (16) 1 (6)
14 (70) 4 (20) 2 (10)
Mode of payment of credit card bills
Payment of Credit cards EMIs One time premium Responses of Hsbc 8 (47) 9 (53) Responses of Standard chartered 9 (45) 11 (55)
Type of insurance policy customers have
Type of insurance policy Life insurance General insurance Health insurance Personal insurance Responses of Hsbc
17 6 6 7
Responses of Standard chartered 18 5 9 6
Mode of payment of premium of insurance policy
Mode of payment Responses of Hsbc Responses of Standard chartered
2 6 8 5 (9) (28) (38) (25)
Monthly Quarterly Half yearly Yearly
0 5 (23) 10 (45) 7 (32)
Level of satisfaction
Services Responses of HSBC Response of (mean) Standard chartered (mean) Savings and banking 3.95 3.81 Debit cards 3.68 3.50 Credit cards 3.27 2.86 Insurance/Investment 2.91 2.89 s E banking and related 4.16 3.68 services
Finding And Suggestions
Majority of respondents of both the banks are either businessmen or private employee.
Majority of respondents are associated with both the banks for more than four years.
Most of respondents of both the banks have savings account and use the debit cards whereas few respondents use the insurance/ investments and E-banking services.
The respondents are aware of the services like savings and banking account, and debit cards but have neutral awareness about the credit cards, insurance and Ebanking services.
Approximately fourty per cent of respondents of both the banks had never use the ATM whereas thirty per cent of respondents use it weekly.
A large majority of customers use the platinum credit card services of both the banks.
Respondents of both the banks paid the credit card bills either through EMI or through one time premium equally.
A large majority of respondents have Life insurance policy from both the banks.
CONCULSION
The respondents of HSBC are more satisfied from saving and banking services, debit cards and e-banking services, while respondents of standard chartered are more satisfied with credit cards and insurance returns.
