banking strategies

8/18/2019 Banking Strategies

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STRATEGY IN B

SECTOR


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• YES BANK Limited is a private sector bank, has a pan India presence across all 29 states and 7o" India

•

!he Bank is en#a#ed in providin# bankin# services, incl$din# corporate and commercial bmarkets, investment bankin#, corporate %nance, branch bankin#, b$siness and transaction banmana#ement'

Yes Bank – Introduction


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Yes Bank – Strategic Initiatives

Knowledge Banking

• Yes bank considers technolo#( as one o" the strate#ic tools'

• !he bank aims at providin# the &orld class c$stomer service to the c$stomer $sin# latest technolo#(''

Technology

• A $ni)$e method o" ac)$irin# c$stomers and retainin# them'

• !he kno&led#e bankin# approach is its main pillar o" di*erentiation and "oc$ses on providin# speciali+ed bankin# s

re)$irements'

Human Capital

• !he bank "oc$ses on attractin# and retainin# the best talent'

• It aims to b$ild c$lt$re environment that s$pports pro"essional entreprene$rship and is b$ilt on core principle o" creatin# a

Responsile Banking

• !he bank-s .esponsible Bankin# approach has enabled bank to create shared val$e "or its stakeholders'

• !hro$#h initiatives and b$siness sol$tions the bank has &eaved a s$stainable development and /S. into its core strate#('


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Yes Bank – Strategic Initiatives

Retail Strategy

• !he compan( is plannin# to b$ild a stron# retail asset "ranchise and is investin# si#ni%cantl( into the back o0ce and the te

• !he compan( is plannin# to la$nch its credit card b$siness in April 213 and has embarked on an a##ressive hirin# strat

people "rom competition, to drive the se#ment

• Bank has planned e4pansion o" its net&ork to ,511 branches b( 6arch , 218 and 2,511 b( 6arch , 2121' !his &il

and cons$mer S6E lendin# activities

• Yes bank si#ned an Loan a#reements &orth S;235 million &ith ells ?ar#o to s$pport small b$siness growth in

"igital Strategy

• !he compan( has adopted ;I@I/AL ;i#ital =h(sical- strategy consistin# o" a blend o" oCine and online channels levertechnolo#(

• IB6Ds 6obile?irst =lat"orm o*erin# ne& mobile apps and services that create more personali+ed and re&ardin# c$stomer

• Strate#ic partnership &ith !ais(s !echnolo#ies to develop $ltrathin mobile bankin# SI6

• Yes Bank teamed $p &ith online retailer Snapdeal and #aster/ard to introd$ce a ne& virt$al prepaid card named ?ree/htransactions thro$#ho$t all online merchants in India'


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• Societe $enerale is a %rench ank& en#a#ed in retail bankin#, corporate and investment bankservices, ins$rance, private bankin# and asset mana#ement

• !he /ompan(Ds core b$sinesses are mana#ed thro$#h three se#mentsF ?rench .etail Bankin#, Inte.etail Bankin# ?inancial Services and @lobal Bankin# and Investor Sol$tions

Societe $enerale – Introduction


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Societe $enerale – StrategicInitiatives


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Societe $enerale – StrategicInitiatives

Key'riorities (or

)*+,


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-li'ay – Company History . #arketcapture

• Alipa( is a thirdpart( online pa(ment plat"orm &ith no transaction "ee la$nched in 211G b( Alibaba

its "o$nder Hack 6a'

• It has aro$nd 51 o" the market "or online pa(ments, b$t over 81 o" the market "or mobile pa(m

• Accordin# to i.esearch, Alipa(-s mobile app is the &orld-s lar#est mobile pa(ment plat"orm &ith G1

ann$al active $sers as o" H$ne 215

• Alipa( provides an escro& service, in &hich cons$mers can veri"( &hether the( are happ( &ith #oo

bo$#ht be"ore releasin# mone( to the seller'

• Alipa( sa(s it operates &ith more than 35 %nancial instit$tions incl$din# Jisa 6astercard'

• As the lar#est online pa(ment sol$tion in /hina, Ali=a( is hi#hl( tr$sted and $sed b( /hinese cons$

the( even rel( on Ali=a( more than credit card "or the dail( cons$mption incl$din# shoppin#'

• In addition to traditional online pa(ment "$nctions, Alipa( is e4pandin# applications to oCine scena

the o$tlet, shoppin# mall, and convenience store, &here are the hot spot "or /hinese to$rists, and #

$sers to (o$r store to eno( the convenience o" "ast checko$t d$rin# their overseas shoppin#


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-li'ay – 'roducts . Services /verview


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-li'ay – Strategic Initiatives

>ith the o$rishin# o" mobile internet

$sers, it is predicted that mcommerce

Mmobile commerce itsel" &ill hit

SOG billion, G9'7 o" total retail

sales' >ith these %#$res, Alipa(

intends to capt$re the market b(

"ormin# partnerships &ith esteemed

merchants

.ecentl(, 6arriott International has

decided to roll o$t Alipa( aro$nd 1

hotel locations in Pon# Kon# and

/hina &hich allo&s travellers to pa(

"or their sta(, dinin# and a &hole

ran#e o" services provided b( the

hotel chain, $sin# Alipa('

Alipa( has vent$red into


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• BN= =aribas is an E$ropean leader in Bankin# ?inancial services'

• It has "o$r domestic retail bankin# markets in E$rope, namel( Bel#i$m, ?ran

and L$4embo$r#'

• !he Bank operates in t&o divisions

i' .etail Bankin# Services

ii' /orporate and Instit$tional Bankin#

B0' 'arias – Introduction


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B0' 'arias – Strategic Initiatives


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#a1or Strategic 'riorities (or )*+,

• ;evelop di#ital innovations

i' Pello bankR in @erman(, Bel#i$m, ?rance and Ital(

ii' La$nch o" ne& online pa(ment sol$tionsF =a(Lib in ?rance, Si4dots in Bel#i$m

iii' eb$siness at =ersonal ?inance, roll o$t o" the di#ital o*erin# at International .etail Bankin

• /ontin$e to #ro& =rivate Bankin# at a "ast pace levera#in# the ;omestic 6arkets International

• /loser cooperation bet&een the capital market b$sinesses, Sec$rities Services and Investment =

• Improve team&ork thro$#h di#ital tools

• ;istrib$tion o" savin#s b( 213 .etail Bankin# M3, /IB M2G, Investment Sol$tions M


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"2324/' B5SI02SS -CR/SS R2$I/0S

• Asia =aci%c

i' ?or#e ne& partnerships especiall( in ins$rance and cons$mer credit

ii' @ro& reven$es in Asia to over bn b( 213

•. /IB North AmericaF

i' ;evelop b$siness &ith lar#e corporate-s and instit$tional clients stren#then relations &ithclients

ii' Adapt the b$siness model to chan#es in market in"rastr$ct$re

•. @erman(

i' Increase deposits o" individ$als &ith Pello bank

ii' Stren#then o$r positionin# on the corporate client se#ment

•. !$rke(

i' @ro&th e*ort "oc$sed on hi#her potential clients


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B0' 'arias 26pansion in In• In 2113 BN= became the lar#est shareholder MG stake o" @eoit ?inancial Services , one o" the leadin#

brokers' @eoit is renamed as @eoit Bnp =aribas' BN= =aribas &ill bene%t b( associatin# &ith @eoit ?inanc

has more than G,51,111 clients, It o*ers a clientele o" private investors, brokera#e services "or e)$ities de

as %nancial savin# prod$cts' It has a net&ork o" 511 o0ces spread across India' It also operates in AE thr

vent$re Bareel @eoit sec$rities and in Sa$di Arabia via Alo$la @eoit Brokera#e compan('


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SBI – Introduction

• State Bank o" India MSBI is an Indian m$ltinational, p$blic sector bankin# an

services compan('

• !he BankDs 6id /orporate @ro$p M6/@ operates thro$#h its G re#ional o0

appro4imatel( ,111 branches

• !he /ompan( provides ;omestic


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SBI – Strategic Initiatives

• !o &rin# more e0cienc( "rom its operations, State Bank o" India is preparin# an inte#rated channel

ne4t three (ears to achieve an optim$m mi4 bet&een vario$s distrib$tion channels' It is c$rrentl( ana

ho& it can achieve an ideal c$stomer to$ch point mi4 bet&een vario$s channels s$ch as branch, A!6

and di#ital bankin#'

• As a part o" its 2121 di#ital trans"ormation strategy, State Bank o" India MSBI, co$ntr(Ds lar#est p$b

lender, is plannin# to brin# its GG'7 crore c$stomers on mobile bankin# and di#ital &allet plat"orms

• !he State Bank o" India MSBI &ill p$rs$e an a##ressive strategy b( o*erin# more n$mber o" di#ital

stren#thenin# the B$siness /orrespondents 6odel to take on the competition "rom ne& bankin# and

SBI St t -d t d


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' Improvin# asset )$alit(F .eactive to proactive

2' /ost rationalisation

' .epositionin# h$man reso$rces

•. Instit$tion "or advance learnin#

•. Internal cons$ltantV/han#e a#ent

•. ?eedback s$pplier

•. .esearch and development role

SBI – Strategy -dopted

H"%C Bank Introd ction


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H"%C Bank – Introduction

• P;?/ Bank is a private bank en#a#ed in providin# a ran#e o" bankin# and %nancial services incl$

commercial bankin# and treas$r( operations'

• It operates in "o$r se#mentsF !reas$r(, .etail Bankin#, >holesale bankin# and other bankin# b$s

• !hro$#h a net&ork o" ,733 A!6s and G,1G branches Mincl$din# international branches, and

di#ital bankin# options, P;?/ have been servin# ever( se#ment o" c$stomer base &ith a &ide ra

c$stomised and needbased prod$cts and services

H"%C Bank Strategic Initiatives


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H"%C Bank – Strategic Initiatives

H"%C Bank Strategic 'lan


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H"%C Bank – Strategic 'lan

%uture plan #ortgage #arket7

!ho$#h mort#a#e %nance penetration levels in India have been increasin# consistentl(, M89): a21G the( still remain lo& visWvis developed co$ntries' !here is $ntapped potential "or #ro&th incertain se#ments like a*ordable ho$sin#' !o promote #ro&th in the a*ordable ho$sin# se#ment'

?$rther, &ith @


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H"%C Bank – Strategic 'lan

Indian Banking /utlook


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Indian Banking /utlook

Indian anking sector credit growth has grown at ahealthy pace

/redit o*take has been s$r#in# ahead over the pastdecade, aided b( stron# economic #ro&th, risin# disposableincomes, increasin# cons$merism and easier access tocredit

!otal credit e4tended &ent $p to SO ,189 billion b( ?Y5

/redit to non"ood ind$stries increased 9'75 per cent to SO,17'G billion in ?Y5, "rom the previo$s %nancial (ear

;emand has #ro&n "or both corporate and retail loansclick here

http://www.ibef.org/industry/banking-india.aspxhttp://www.ibef.org/industry/banking-india.aspx


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55. Pankaj Tari45. Tejal Shah43. DhavalRana

Thank You'resented By7

21. As Jagad23. A

57.Vis

%or K9 >9 Somaiya Institute o( #anagement . Studies

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