foreign bank final

8/14/2019 Foreign Bank Final

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SUPPLIERS POWER

The term 'suppliers' comprises allsources for inputs that are neededin order to provide goods orservices.

Supplier bargaining power is likely tobe high when:


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There is the possibility of the supplier integratingforwards in order to obtain higher prices andmargins. This threat is especially high when

The buying industry has a higher profitability than thesupplying industry,

Forward integration provides economies of scale forthe supplier,

The buying industry hinders the supplying industry intheir development (e.g. reluctance to accept newreleases of products),

The buying industry has low barriers to entry. In such situations, the buying industry often faces a

high pressure on margins from their suppliers. Therelationship to powerful suppliers can potentiallyreduce strategic options for the organization.


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SUPPLIERS POWERBRAND REPUTATION

AND

RELATIONSHIP WITHCUSTOMERS


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CITIBANK

Notwithstanding the slowdown in thelocal economic environment arisingfrom unprecedented turmoil in global

markets, the strong performance of Citibank India branch underscorestheir strengths built up over 107 yearsoperating in India.

During the year they assisted manycorporate customers to raise capitalin the local market and, by usingglobal product expertise, to access

international capital markets.


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The Citi India franchise continued its track record of innovation and market-leading transactions duringthe year:

Citi participated in several landmark deals, includingthe merger between Reliance Petroleum andReliance Industries, the largest in Indian corporatehistory.

Citi arranged the commercial paper issuance by ONGCVidesh in what was the largest local currencycommercial paper transaction to date.

Citi launched the countrys first transit credit card, theDelhi Metro Citibank Card, which won the"Innovation in Service" OSCARD 2008 award.

Citi launched the Protect & Grow investment productwhich was the first such product in India to combinethe safety of a fixed deposit with the potential for

growth.


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In a nationwide survey of customersconducted by the Economic Times BrandEquity, Citibank India was voted BestForeign Bank Brand.

Citibank India also won the Dun &Bradstreet and BusinessWorld awards forBest Foreign Bank in India.

Euromoney, FinanceAsia and The Assetpublications presented Citi with BestInvestment Bank and Best ForeignInvestment Bank in India awards.

Citi Research was ranked #1 by InstitutionalInvestor.


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Citi Indias Corporate Citizenshipprogram includes its GlobalCommunity Day, when more than

1,600 employees rolled up theirsleeves to volunteer. Citi also celebrated its fifth annual

Citi Microentrepreneur Awards inDelhi, which honoured 10 self-madeentrepreneurs that haveempowered their communities

through microfinance.


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DEUTSCHE BANK

Deutsche Bank has been voted theBest Bank 2008 by FinanceAsia inits prestigious and heavily contested

industry awards. It is the unflinching trust of itscustomers and the commitment of their employees that made this award

possible. The award criteria takes into account all

aspects of Private and BusinessClients (PBC), Investment Banking,

Transaction Banking, Private Wealth


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HSBC

Business World and Federation of IndianChambers of Commerce and Industry (FICCI) Socio Economic Development Foundation(SEDF) Corporate Social Award 2007 fromShri APJ Abdul Kalam, then President of India.

RELATIONSHIP WITH CUSTOMERS Education

At HSBC "Education is key to every success".Educational initiatives at HSBC provideopportunities to underprivileged children toexplore their untapped potential and equipthem with necessary skills and qualifications.


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Life Skills Life skills programmes supported by HSBCprovides tailor made training tounderprivileged youth. Youth are enabled togain access to opportunities for sustainablelivelihoods and financial literacy to help themlead a productive life.

Womens Empowerment HSBC have devised financial literacy

programmes, which intervene in the lives of rural poor women.

They supports projects that provideentrepreneurial trainings and informationaccess to make dignified economic

-


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Microfinance HSBC started with a lending programme forsmall MFIs

These institutions provide small loans to groups

of poor people (mostly women) using well-established micro credit deliverymethodologies.

They have put in place a microfinance strategy,with the objective of increasing our presence

in this segment and building around a lendingportfolio, a host of services which canfacilitate capacity building, improveoperational efficiency and bring the bestpractices of a transactional banking businessto the microfinance domain.


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Environment

HSBC India supports nature, habitat

and biodiversity conservation, waterharvesting and climate changeinitiatives.

These projects are designed to ensurethat economic development does nottake place at the expense of theenvironment and the awarenesscomponent ensures that a largenumber of varied audiences areexposed to environmental messages.


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BARCLAYS

Barclays has been recognised all over theworld, for its achievements: frominnovative products and exemplary peopleto charity work and sustainabilityinitiatives.

Best Contribution to ATM SecurityAbsa, majority owned by Barclays, wins aGlobal ATM Security Alliance award forBest Contribution to ATM Security,following the launch of its Jitter softwarewhich causes a vibration in ATM cardreaders, preventing information being


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ABN AMRO

Acknowledging the efforts of ABN AmroBank in furthering the cause of financial inclusion in India, Dun and

Bradstreet - a leading provider of global business information,knowledge and insight- has conferredthe award for "Best Bank in the

Foreign Banks category- PrioritySector Lending" on the bank. Meera Sanyal , Country Executive -

India, ABN Amro Bank accepted the

award at the Dun and Bradstreet


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BNP PARIBAS

BNP Paribas received the title of Energy Finance House of the Year,awarded by Energy Risk, a publicationspecialized in various markets suchas, hydrocarbon, gas, and electricity.

The jury was particularlyimpressed by BNP Paribas'capacity to adapt their financingoffers to an environment wherethe market conditions areconstantly evolving.

BNP Paribas group was also namedBest Energy Finance Bank 2009 by


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BIDDING PROCESSES/CAPABILITIES

The strength of suppliers represents a weak or astrong force hinges on the amount of bargaining power they can exert and,ultimately, on how they can influence the termsand conditions of transactions in their favour.

Suppliers would prefer to sell to you at thehighest price possible or provide you with nomore services than necessary.

If the force is weak, then you may be able tonegotiate a favorable business deal foryourself.

Conversely, if the force is strong, then you are ina weak position and may have to pay a higherprice or accept a lower level of quality orservice.


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Highest Interest Rate in theWorld

International Bank of AzerbaijanINTEREST PAID ANNUALLY INTEREST PAID

MONTHLY

Bss

INTEREST RATE PAID IN ADVANCE

Term USD /

60 months 16.3% 14.0%

36 months 14.5% 11.4%

12 months 12.8% 8.7%

Term USD /

60 months 15.2% 13.2%

36 months 13.6% 10.8%

12 months 12.0% 8.4%

Term USD /

12 months 11.0% 7.8%


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HSBC BANK

STANDARD CHARTERED BANK

Term Rate 60 months 5.5%

36 months 5.75%

12 months 4.5%

Term

Rate 60 months 7.25%36 months 7%

12 months 5.5%


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BARCLAYS BANK

ABN AMRO BANK

Term Rate 60 months 7%

36 months 6.5%

12 months 5%

Term

Rate36 months 7%12 months 4.75%


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BUYER POWER

1.Buyer Choice-(Peoples trust)Standard Chartered Bank

It is a London Based bank. Although the bank is

located in Britain ,still a huge chunk of its revenuesoriginate from the continents of Asia Africa andmiddle East.In India, the Standard Chartered Bank introduced itsfirst branch in Kolkata on 12th of April 1858.

Citibank Citibank is one of the largest banks in the U.SCitibank had been founded in the year 1812


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Deutsche Bank Deutsche Bank started its operations In India in 1994.Presently, Deutsche Bank operates with staff strengthof more than 500 people

HSBC Bank LtdWith a loan-deposit ratio of 90%, HSBC Bank is one of the five British banks that claim to have moredeposits than loans.Such a high loan-deposit ratio of the bank has beenable to retain the trust of its investors and customers,keeping them assured of its financial strengths.


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CHANGE IN CUSTOMER

BANKS INTEREST RATES FOR LOANS

HSBC 13.75%

ABN-AMBO 11%

DEUTSCHE POSTBANK HOMEFINANCE LTD

9%

DEUTSCHE BANK 13.5 (FIXED) AND 11.25(FLOATING)

CITIBANK 16%


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Fortune ranked American Express as the 62nd bestplace in the U.S. to work for in the year 2008, whichwas the top position among the bank cardcompanies in the list


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Product/Service ImportanceHSBC Bank

HSBC Bank is well known for having established thefirst ATM (Automatic Teller Machine) in India in theyear 1987

ABN-AMRO The ABN AMRO Bank has initiated its Microfinance

program in India, which is the largest oneamong the same being offered by foreign banks

in the country.


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New Market Entrants.

The higher the competition in a particularsector, The easier it is for any new firm

to enter this sector and also change the

major determinants of the market

environment at any time.

Th h f ill


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The threat of new entrant willdepend on the followingdeterminants:1) Entry ease of the foreign bank.

2) Geographical factors affecting foreign

banks in india.

3) Incumbent resistance.

4) New entrant strategy.

5) Distribution channel.


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Entry Ease of foreign banks. After the liberalization and globalization processthat started in Year 1991, the banking industry

in India has seen many foreign banks coming toIndia.

q Below are some of the banks currently operatingin India:

1. Citi Bank. 6. HSBC Bank.2. Standard Chartered Bank 7. Barclays Bank.3. ABN AMRO Bank. 8. Royal Bank of Scotland.4. BNP Paribas. 9.Bank Of Tokyo.5. Bank of America.And many others..


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The below condition makes foreignbanks easy to enter in India:

For any foreign banks to setup their business inindia, the minimum start up capital required isRs 3 billion.

Favourable Economic and political relationsbetween India and the country of incorporationof the foreign bank.

Financial soundness of the foreign bank. Ownership pattern of the foreign bank. Good International and home country ranking of

the foreign bank. Acceptable Rating of the foreign bank by

international rating agencies.

International presence of the foreign bank.


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Incumbent resistance The Committee on Financial Sector Assessment

(CFSA) maintained that the foreign banksshareholding in the subsidiaries should notexceed more than 74% along with the rules andregulation applicable to private banks.

Indian policymakers have decided to adopt a quidpro quo stance in respect of permitting foreign

banks easy entry into the country. Foreign banks today continue to be hampered by

legacy issue of restricted branch presence inthe country


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Route to market.q Why Foreign Banks are entering

India. According to the RBI,

The bank credit is growing at 30% per annumand retail credit is expected to grow to Rs575,000 crore by 2010.

Presently, total number of banking branchesand ATMs in India is about 75,000 and 35,000respectively.

On the other hand, the number of bankingbranches is still meagre for our population asmore than 16,000 people are dependent on asingle branch.

While 60% of our population has access tobanks, only 15% out of this has loan accounts


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Expansion of Foreign banks.

Expansion of retail banking has a lot

of potential as retail assets are just22% of the total banking assets andcontribution of retail loans to GDPstands merely at 6% in India vis--vis 15% in China and 24% in

Thailand.


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Citi banks expansion.

Citibank has increased its branchnetwork from 26 to 31 in June thisyear, in it operation spread across21 cities.

If they are to have six to seven percent market share, they will need a

large distribution network of 125-200 branches across 75 cities.


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HSBC Banks Expansion.

HSBC India is planning to expand thescope of its factoring services intier-II cities across the country, witha focus on small and mediumenterprises.

Its current focus is on mid-marketsegment, which has potential forbig volumes,


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Standard chartered bank

Hiring 2,000 people by the end of this calendar year.

Standard Chartered Bank has drawn

up plans to make a determined

entry into providing businessequipment loans to small andmedium enterprises (SMEs) in thenear future.


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Deutsche Banks Expansion.

Deutsche Postbank Home Finance Ltd isexpanding its reach in the Indianmarket and has set itself the target of disbursing housing loans of Rs 1,900crore during the current financialyear,

The company had set up 25 branches inthe country,

Deutsche Bank India has launched twoWeb-enabled wealth managementtools `WealthPro' and `InvestPro' tocater to the needs of the retail

banking clients and will help them tomana e and lan their wealth,


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Product andTechnology

development


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Product And TechnologyDevelopment

Technology

i t ibank

v Access channels: Online bankingservices

Online bill payment- to make online payments for all yourUtility Bills like mobile, landline, electricity,

etc. Statement on e-mail- A bit for the environment!

Sign up for the Statement on E-mail service and, receiveyour Credit Card/Bank Account Statementto your E-mail Id.

Citialerts -helps keep track of Savings Account, Credit Cardtransactions and Investments activities through regular


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SMS banking

Citi alert on demand- CitiAlert on Demand is an exclusiveservice for Citibank Credit Cards and Banking customers. Just sendan sms 52484 from your registered mobile number and get yourCredit Card or banking account details instantaneously.

Other online services Citibanks e-pay- pay your Citibank Credit Card payments onlinefrom any bank account. Online tax payment Online EMI payment ATM locator- it locates ATMs all over India.

Branch locator- it locates the branches .


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v Access channelsOnline banking services One-bank view: You can track the balances and transactions

of your savings / current / credit card account as well asyour other linked accounts.

Make payments online: Auto-pay your mobile, electricity &other utility bills online. Also, make monthly credit cardpayments.

Transfer funds: Use the NEFT facility to seamlessly transferfunds to other bank accounts. You can also set up repetitive

payments instruction for regular transfers. Manage your investments: You can view and analyse your

investments with our web-enabled wealth managementtools - db WealthPro & db InvestPro.

Book Fixed Deposit: Now you can open a fixed deposit and a flexi-fixed deposit account online.


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Value-added services: View the status of a cheque inclearing, stop multiple cheque payments, get SMS / emailalerts.

Online Security: Our cutting-edge multiple layers of security willput your fears to rest when you transact online.

Unlock your password: You can unlock your password by simplycalling their Phone Banking team.

ATM banking Multiple transaction facilities at Deutsche Bank ATMs in India

Cash Withdrawal Balance Enquiry Fast Cash Mini Statement (last 10 transactions) PIN Change

Prepaid mobile recharge- Recharge your Prepaid Mobile

instantaneously and free of charge, against your Citibank Credit orDebit Card. This exclusive facility is currently available on Aircel,Airtel, BPL Mobile, BSNL, Idea, Reliance India Mobile, Tata Indicom,Virgin Mobile and Vodafone Prepaid connections.

l


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Online security measures Secured log in -All information passed on between Citibank and

your personal computer is "scrambled" and "reassembled"using 128-bit encryption, the highest level of encryption

commercially available . Automatic time out- Once logged into Citibank Online, if there is

no activity for 5 minutes, your secured Citibank Online sessionwill be automatically terminated to help protect againstunauthorised access

Automatic lock out- if the Internet Password (IPIN) has beenentered incorrectly six consecutive times, Citibank will lock anyfurther online access to the accounts

Mobile banking Citi mobile banking- Citi Mobile works on your mobile phone and

is a simple, secure and a fast way to transact 24x7 from thecomfort of your home, office or even from your car!


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Recharge your prepaid mobile card at any Deutsche Bank

ATM. Funds Transfer to any Deutsche Bank account

Cash / Cheque Deposit Statement Request Chequebook Request

Global ATM Alliance for international travellers: Normally

when you use your card abroad, you have to pay an ATMaccess fee and a machine level surcharge.Our Global ATM Alliance with leading international bankshelps us offer free ATM transactions abroad.

Ph b ki


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Phone banking Fixed deposits

Relationship bankingMobile banking

Keep track of your banking or credit card account on themove. Apply for a product through your mobile. Get instant updates about your credit card or bank account

through our SMS alert service - dbAlerts. This service isabsolutely free of charge. Get alerts about credit card,banking relationships.


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barclays bank

Online banking

Account Services: Complete account details like accountbalance, monthly statements, funds or cheque status isavailable for Savings Current account.

Funds Transfers & Payments Request a cheque book or give stop payment instructions. Bill Payments

E- statementsMobile banking

Online money transferRewards programmeGet reward points for every transaction through our Alternate

Banking Channels.

ATMS

hi d d


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Fashion and trendsv Special offers

citibankq Citigourmet pleasures- great offers on fine dining in variouscities. Only for credit card members.

q Citibank ATM/ debit card offers- special discounts at variousoutlets such as apparels, jewellery, mobiles, opticals.

q Shopping online.q Travel guru- get 25% cash back on booking of hotels and

holiday packages with credit card.q Citiflorist- shop online to buy flowers with debit / credit

card and get special offers.

q


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q

q

q Festive Promotion 2009 People spending a minimum of Rs. 25,000 and making

a minimum of 5 swipes between 16th September and15th November qualify for a Quiz. Quiz to be played via SMS or through

www.deutschebank.co.in. The first 1000 correct responses to the Quiz will win Rs.

4,999 cash-back. Quiz open from November 20th - November 30th, 2009.q Credit Cards Redemption Offer

Get ready to take-off with your Deutsche Bank CreditCard *. You can now redeem your accumulated rewardpoints earned on your credit card for a one-way Jet

Airways ticket.q Increased Welcome Bonus apply for Miles & More Credit Card and activate your card

by December 31, 2009 to bring home an 30% higherwelcome bonus.

q Jet Airways Companion Offer where you get one free round-trip ticket for every Jet

b rcl s


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barclaysq

q Cosmopolitan investing For barclays premier customers a variety of international

savings & investment products as well as offshorebanking with international teams dealing with clientsacross 60 different countries .

q Premier luxury lounge The Premier Lounge, a unique balance of personal as well

as professional space & facilities helpsq Enhancing your lifestyle Pleasurable, Relaxing, Luxurious & Exceptional experiences

are what we seek to offer through our lifestyle events, beit art, music, theatre, cinema or just simply a headyevening.

q NRI banking a world class banking experience for customers, who want

to bank in India. a range of financial products that are designed to address

specific banking needs.

I i


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v Innovations citibank

q

q Citi tap and pay Lets you use your mobile phone as your credit card. Brought to you in association with Nokia, MasterCard &

Vodafone, Citi Tap and Pay allows you to make payments

on your Credit Card for purchases at the top shoppingoutlets in Bengaluru by simply tapping your mobilephone at the checkout point!

q Unique Internet Password (IPIN) Your security is governed by your Unique Secure IPIN

(Internet Password) To select your IPIN online, you will have to verify yourpersonal information and generate an OnlineAuthorisation Code (OAC) that will be sent to your Mobilephone/E-mail address. You will then have to reconfirm thedetails and select your IPIN

q Virtual keyboard login.


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Virtual keyboard login. all you need to do is to use your mouse instead of your

keyboard to enter your password information. "TheVirtual Keyboard is dynamic and the position of

characters change every time". The VIRTUAL KEYBOARD protects you from malicious'Spyware' and 'Trojan Programs' designed to capture yourkeystrokes and thus reveal your secret password.

The VIRTUAL KEYBOARD eliminates this risk and makes your

Citibank Login that much safer and provides for a secureonline banking experience.q Citibank suvidha. Developed in India, it is now being rolled out across the

world a first for a banking product developed in India forthe Indian market. Designed especially for salaried individuals with maximum

convenience and unique benefits like utility billpayments, automatic creation of fixed deposits, directcredit of salary reimbursements, etc.

Citibank decided to test launch this scheme, renamed


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Deutsche Bank India Launched GovernmentSecurities Fund in 10/8/2008 a fixed income fund that will invest in government

securities as it on expectation of softer interest rates.DWS Gilt Fund, which would invest in an activelymanaged portfolio of government securities, joins India's31 gilt funds that managed about INR 20 billion at theend of August.

DBOI launched New Service Delivery Centre in Jaipur in 09/11/2008

This state-of-the-art facility, located within Mahindra WorldCity, houses operational and support teams for DeutscheBank for several of the Bank`s divisions, commencinginitially with Investments Banking and AssetManagement.

barclays


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barclaysq

q Barclays' Reward Points Program (20 th may 2009) ElectraCard Services recently launched the electra Loyalty

Management System for Barclays Bank .This newsolution allows Barclays customers to benefit fromvarious loyalty programs and win rewards acrossvarious channels.

q Drop- down-feature

Barclays Global Retail and Commercial Bank (GRCB) Indialaunched the Drop Down Feature for its Business Loanscategory. Through this feature, customers availing of Business Loans, who are regular in their repayment of their EMIs over a 12 month period will benefit from alowering of interest rates for the remaining tenor of the

loan.q Yatra barclaypremium card YatraBarclaycard Platinum Cardholder are entitled to the

benefits offered by Visa. tie-ups with majornational and

international carriers give the freedom to take any flightthat

q Barclays Premier League Barclaycard
http://www.enterpriseinnovation.net/content/creating-customer-loyalty-reward-programs-encourage-future-buyinghttp://www.enterpriseinnovation.net/content/creating-customer-loyalty-reward-programs-encourage-future-buying


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q Barclays Premier League Barclaycard The only card for football fans.

Get all the excitement of the Barclays Premier League withunique football card. You get all the advantages of regularcards and also enjoy special football benefits in the form of

newsletter and get up-to-date news on: Current EPL table standings and match schedules An in-depth analysis on various games, players and

coaches. Transfer rumours, possible transfers and game strategies. Injury updates and player rotations. Insider gossips about various clubs, players and coaches.

G id li b bi f f ig b k


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Guidelines by rbi for foreign banks Roadmap for Presence of Foreign Banks in India

The roadmap is divided into two phases.

phase 1: march 2005 to march 20091. New banks- first time presenceForeign banks could either choose to operate through

bank presence or set up 100% wholly owned subsidiary(WOS), following the 1 mode presence criteria.

2. Existing banks- branch expansion policythe no. of branches permitted each year is proposed to

go beyond the existing WTO commitment of 12 each year.3. Conversion of existing branches to WOS.

The Reserve Bank may also prescribe market access andnational treatment limitation consistent with WTO as alsoother appropriate

limitations to the operations of WOS, consistent withinternational practices and the countrysrequirements.

Phase 2: April 2009


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Phase 2: April 2009 Mergers and acquisitions of any pvt. Sector bank in

india

After a review is made to the extent of foreign investmentand foreign banks in India, they may be permitted to enterinto merger and acquisitions with any pvt. Sector bank inindia subject to overall investment limit of 74%.

COMPETITIVE


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COMPETITIVE

RIVALRYv Number And Size Of Firms

v Industry Size And Trends

v Product / ServiceRanges

BANK NAME NO OFBRANCHES

NO OF ATMS NO OFEMPLOYEES

LOCATION


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Standard Chartered

Barclays

ABN Amro

Deustche Bank

HSBC

Citi Bank

BNP Paribas

Bank Of America

Bank Of Tokyo

Royal Bank Of Scotland

90

5

30

13

47

41

9

5

3

117825

1782

3241

2005

7446

4795

347

294

150

Nariman point

Worli

Nariman Point

Fort

Bandra

Fort

Fort

Scope for foreign


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Scope for foreignbanks

v Foreign banks brought latesttechnology and latest bankingpractices in India.

v Government had came up with aroad map for expansion of foreignbanks in India.

v In the first phase between March2005 and March 2009, foreignbanks may establish a presence by

way of setting up a wholly owned v The second phase would have


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v The second phase would havecommenced form April 2009 after areview of the experience gainedafter due consultation with all thestake holders in the banking sector.

v Experts say, that before 2009,public sector banks would like to

join forcesv public sector banks, like it or not,

are unlikely to be taken over byforeign banks if the policy opens upin 2009, even though many are

weak and ripe for a strong partner


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v Michael J Higgins has said that althoughIndia will continue to attract theattention of global banking players, itis less likely that foreign banks willaggressively pursue penetration or gofor acquisition of an Indian bank infuture due to severe capital

constraints.v Higgins said that in the currentscenario, capital became scarce forforeign banks that had traditionallybeen very active in the westerncountries. If times were good, thesebanks otherwise would have activelypursued the expansion strategiesacross the developing economies like

China and India through organic or

v P t th t gl b l i th t h tt d


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v Post the recent global crises that shatteredthe leading banks across the globe, theiracquisitions or strategic investments inIndian banks in future are ruled out forthe moment,

C S i


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Common Servicesv Debit & Prepaid Cardsv CREDIT CARDSv LOAN AND MORTAGESv Insurance & Investmentsv ACCOUNTS


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Different Servicesv Barclays consumer banking :- it includes personal

loans which come with smaller monthlyrepayments, credit cards which allowcustomers to choose their payment date,and Hello Money, which provides service tocombines technology with convenience.

v BNP Paribas

Corporate and InstitutionalBanking :- it include Asset Management,Cash Management, Corporate Bankingand Finance, Equity Brokerage and TradeFinance

v Citibank


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v Citibank For corporate customers there are services, whichcomprises of customized banking solutions

according to the needs of its corporatecustomers. It include Cash Management, TradeServices, Loans, Securities and Fund Services,and Investment Banking services.

v ABN AMRO Bank The bank offers specialized services to

international diamond and jewellery merchants itcaters to the needs of diamond and the jewellerymerchants in the Indian Sub-continent

v Standard CharteredBank specializes in the provision of cash management ,trade, finance treasury and custody services

v Hsbc


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HsbcProducts and Solutions they

offer: Making and receiving international

payments Global cash management International risk management International business traveler

Importing and exporting


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Differentialv Barclays

The Latitude Club which is a global commercialbanking scheme from Barclays that assistscorporate customers to identify new businesspartners internationally

v BNP Paribas The bank is assumed as one of the top

corporate banks operating in India,


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v Hsbc


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v Hsbc Self-service banking with over 150

in-branch and off-branch ATMs and24-hour phone banking HSBCInternet Banking is available countrywise.

foreign bank final

Documents