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Foreign banks in India

WHAT IS BANK?

A banker or bank is a financial institution whose primary activity is to act as a payment agent for customers and to borrow and lend money.y. 

An institution where one can place and borrow money and take care of financial affairs ;A branch office of such an institution.

The first modern bank was founded in Italy in Genoa in 1406, its name was ( bank of St. George)

Foreign banks are not new to the Indian banking sector. These banks have played an advancement in banking sector of India by introducing services of international standards in India. First foreign bank to start its operation in India was Standard Chartered bank in 1858. second bank was Citi bank which started in 1902.There are the following points related to foreign banks:• There are over 29 foreign banks that operate in India.• Foreign banks are also known for uprooting the unemployment in India by offering lot of job opportunities.• These banks have brought along with them the latest technologies and banking practices.• Areas of concentration are risk management, customizing the product and value creation.• New banks to be in India Royal bank of Scotland Switzerland’s UBS US based GE capital Credit Suisse group Industrial and commercial bank of China

Services of Foreign Banks in India

The Foreign Banks in India provide the following services under the different sections:Credit cardsDebit cum ATM cardsTouch Screen BankingMobile BankingOnline Payment of BillsBank statements through EmailLoans which include home loans, business loans, personal loans, overdraftsInternet BankingPrepaid Mobile RechargeInsurance services which include Health insurance, Life Insurance, insurance on home loans and  travel insuranceInvestment Services which include Demat, Mutual Funds, and Deposits

List of Foreign Banks in India

ABN-AMRO BankAbu Dhabi Commercial BankBank of CeylonBNP Paribas BankCiti BankChina Trust Commercial BankDeutsche BankHSBCJPMorgan Chase BankStandard Chartered BankScotia BankTaib Bank

Foreign bank loans

Citi bank loans Deutsche bank loans

HSBC bank loans RBS bank loans

Foreign bank insurance

Citi bank insurance Deutsche bank insurance

HSBC bank insurance RBS bank insurance

Foreign bank top services

Citi bank commercial account

Citi bank life insurance

HSBC bank smart money account

Deutsche bank life insurance

Royal bank of Scotland account

HSBC bank travel insurance

American express gold

Amex bank gold credit card

Deutsche bank home loan

1. Hong Kong & Shanghai Banking Corporation Bank2. It is both the world's largest banking group and the world's

6th largest company according to a composite measure by Forbes magazine.

3. Founded in Hong Kong (1865)4. HSBC Holdings plc is a public limited company5. HSBC India, along with HSBC Investment product and HSBC

Insurance, it offers international Gold Card and Classic Credit Cards from VISA and MasterCard and debit cards from Visa.

6. HSBC in India gives 24 hour banking services, extensive network of ATMs, integrated Call Centre and also HSBC e-banking.

HSBC Bank

Products & Services

1. Personal Banking 2. Business Banking3. Corporate Banking4. Interest Rates, Service Charges and Fees5. HSBC Premier6. Private Banking7. Corporate Sustainability

Personal Banking

1 . Credit Cards2 . Loans3 . Bank Accounts4 . NRI Services5 . Insurance6 . Investments & Financial Planning7 . Internet and Self Service Banking8 . Special Offers and Discounts

Business Banking

1 . Business Banking Services2 . Global Trade Solutions3 . Cash Management4 . Foreign Exchange Services5 . Business Current Accounts6 . Business Loans and Overdrafts7 . Self Service Banking

Corporate and Institutional Banking

1 . Corporate Banking2 . Treasury and Capital Markets3 . Equities and Global Investment Banking4 . Institutional Banking5 . Global Payments and Cash management6 . Trade and Factoring Services7 . HSBC Securities Services

Revenue ▼ US$ 137.309 billion (2008)

Operating income ▼ US$ 56.384 billion (2008)

Net income▼ US$ 6.498 billion (2008)

Total assets ▲ US$ 2.527 trillion (2008)

Total equity ▼ US$ 93.591 billion (2008)

HSBC Bank India Fact File

The HSBC Group develops and applies advanced technology to the efficient and convenient delivery of banking and related financial services. HSBC Bank India provides the following:

• Self-service banking with over 150 in-branch and off-branch ATMs and 24-hour phonebanking.

• Trade and corporate banking services with real-time access to a centralised information database

•Instantaneous inter-city transactions through online connections between all branches

• A state-of-the-art treasury dealing system

• A sophisticated card system supporting debit and credit cards, domestic and international VISA, MasterCard, and co-branded cards

•A dedicated acquiring system for both MasterCard and Visa transactions

•online@hsbc, HSBC internet banking service, provides customers with an integrated and secure platform to access their accounts.

•Internet Payment Gateway handles credit card transactions on the internet

HSBC Accounts

HSBC Current Account Current account is one of the HSBC accounts, which is widely used bythe customers. Mostly this account is used by the business class becauseof easy deposits and withdrawals. This HSBC account suits the requirement of businessmen. There is an overdraft facility for the account holders that he/ she can withdraw an excess amount of money his or her account. Interest will be at the rate of 2% on the amount withdraw in excess.

HSBC Saving Account

HSBC saving account is another type of HSBC account. This is a popular mean to earn some interest for the low salaried people or the person who want some savings. Interest may be earned in compounded periods like quarterly or semi annually or even bimonthly. The minimum limit of deposit is Rs. 25000. there are also some discount offers for the amount holders on acquiring any kind of loan.

HSBC Fixed Deposit Account

Fixed deposit account is such type of HSBC accounts. Which is preferred by the people to get high return of their deposits. The minimum deposit for this account is Rs 10000. HSBC offers 7.55% p.a the rate of interest on this account.

HSBC Smart money Account

HSBC smart money account is another type of HSBC account. This is combination of saving and fixed account. Account holders enjoys the facilities of saving accounts and get high return of fixed deposits. Accountholders have facilities to make an overdraft payment up to 90% of his or her deposit.

1812 -founded as City Bank of New York �1894 -became the largest bank in the United States.

1902 -began expanding internationally and became thefirst major U.S. bank to establish a foreign department.�1930 -became the largest bank in the world with 100 branches in 23 countries outside the United States.

CITI Bank

History

�1976 -changed its name to Citibank. �1981 -purchased Diners Club.�1994 -opening of the first fully foreign owned commercial bank in Russia�1995 -opening of the first full service branch in China

1998 – Citi bank was merged in to Citigroup

Citibank�•Citibank is the consumer and corporate banking division of leading financial services company Citigroup.�•The company has operations in around 1,700 locations, in more than 140 countries worldwide.�•Established 109 years ago in Kolkata, Citibank has a long history in India.

• Currently it is the largest foreign direct investor in financial services in India with a total capital commitment of approximately US$ 4 Billion in its onshore banking and financial services business and its principal and alternate investment programs.

•It operates 42 full-service Citibank branches in 30 cities and over 700 ATMs across the country.

•Citibank is an employer of choice to about 7,500 people.

 

Citibank India is since 1902. Citibank India was the first bank to lend actively to individuals. Citibank is the largest Consumer Finance lender in the world. Citibank India follows the following principles while dealing to its customers:

•Truth in Lending•Superior Products and Services•Quick and Transparent Credit Decisions•Lending is not a transaction, but a relationship•Custodian of Public Funds

Citibank offers the following products and services:

 ± Banking services ± Credit cards ± Mortgages, Loans ± Investments ± Insurance ± Small business services ± Corporate/Institutional services ±Asset management ± Government services ± Private banking

Products and Services

Citibank online banking

With citibank online banking one can enjoy the following services from anywhere in the world. For citibank online banking one has to log on to www.citibank.co.in Redeem your rewards points

•Pay Bills Online• Send Demand Draft anywhere in India• Get statements by e-mail • Register for Instant alerts• Mobile Banking• Citibank online Security Tips

Citibank Suvidha

With the Citibank Suvidha Account, one can get the following benefits:• Shop n' win Rewards•Secure your child's future•Instant cash upto thrice your salary•Get rewarded for your account •Citibank Suvidha Account Holders holds over 150,000 highly tech-savvy Account Holders from Bangalore, Mumbai and Delhi alone.

Citibank Cards

Citibank cards are available in a range of flexible and personalized credit and charge that can be managed online. Under mentioned are few types of Citibank Credit Cards in India.

• MTV Citibank Card •Indian Oil Citibank Card•Citibank Silver International Card•CRY Card•WWF Card•Times Card•Citibank Cricket Visa Card

Citibank Direct

The Citibank Direct Current Account pays 4.59% AER (4.50% gross). The Citibank Direct is one of the best rates on the market, with no strings attached. No minimum deposit is required for Citibank Direct and no need to pay in ones salary. A minimum annual income of £15,000 is required to open Citibank Direct Account. A cheque book and automatic overdraft facility are not available in Citibank Direct. Moreover Citibank Direct Account is easy to manage.

Citibank NRI

Citibank NRI holds over 160,000 Citibank NRI Account. Citibank NRI Account Holders, holds a minimum balance of Rs. 10 lakhs. Citibank NRI is voted as the most preferred bank of the NRIs.

Standard Chartered bank

Our History

Standard Chartered Wholesale Banking build son over 150 years of banking experience in Asia, Africa and the Middle East. In fact, we are the only international bank with over 90 percent profits generated from these areas.

The Standard Chartered Group: background

The Standard Chartered Group was formed in1969 through a merger of two banks: The Standard Bank of British South Africa founded in 1863, and the Chartered Bank of India , Australia and China, founded in 1853

Standard chartered bank in India

Standard Chartered Bank in India is the largest international banking Group in India. The Combined Balance Sheet (as at March 31, 2001) of SCB India is Rs. 24515.9 cr. and is having a combined customer base of 2.4 million in retail banking and over 1200 corporate customers.  The first branch of Standard Chartered was opened in Calcutta (Kolkatta) in the year 1858. the while commercial capital of India. The opening of Suez Cannel in 1869 for trade facilitated opening of 2nd branch at Mumbai and was made as the head office for Indian operations. The bank today operates over 83 locations. Its customer base has grown steadily and today it enjoys a customer base over 2.4 million including corporate as well as retail customers.

Products and services

Saving Account:

a) AXcessPlusb) Super Valuec) Parivaard) No Frills Savings Accounte) Aasaanf) Connect N Save Accountg) 2-in-1 Accounth) Depository ServicesI) Corporate Salary Account

Current Account:

a) Business Plusb) Enhance Business Plus

 Credit Cards:

a) Super Value Titanium Credit Cardb) Emirates Platinum Cardc) Platinum Rewards Cardd) Manhattan Platinum Carde) Gold Reward

Standard Chartered India was the first to issue first global credit card in India, the first to issue Photo card, the first Picture Card and was the first credit card issuer to be awarded the ISO 9002 certification. 

Some other product innovations of Standard Chartered Bank in India include the 'Sapnay' credit card, the international debit card that provides free access to over 1500 Visa ATM's, a first in the banking industry, Mileage, an overdraft facility against the security of a car and Smart Credit, a personal line of credit for salaried customers. 

Standard Chartered Credit Cards

Standard Chartered Credit Card can get you going with the privileges within the country. With Standard Chartered Bank Credit Card one is also rewarded with exciting benefits and unique features.

Standard Chartered Credit Cards are of many varieties. Atleast one type of SCB Credit Card out of the entire range can fit to the need of a single person The varieties of Standard Chartered Credit Cards are as follows:

Standard Chartered Bank ClassicStandard Chartered Bank ClassicStandard Chartered Bank CricketStandard Chartered Bank DivaStandard Chartered Bank ExecutiveStandard Chartered Bank ExecutiveStandard Chartered Bank GoldStandard Chartered Bank GoldStandard Chartered Bank SapnayStandard Chartered Grindlays ClassicStandard Chartered Grindlays GoldStandard Chartered Grindlays Star TV

. Add-on Card is given free with Standard Chartered Bank Credit Card. SCB Credit Card come with the following insurances

Air accident CoverGeneral Accident CoverAdd-On Card CoverNo Cover Baggage CoverCredit Shield on deathNo Charge Purchase Protection Cover

Standard Chartered Bank Quick Facts

Combined Balance Sheet : Rs. 24515.9 cr as on March 31, 2001Customer base : 2.4 millionCorporate customers : Over 1200The First : In issuing global credit card in India, in issuing photocard and picture card in India.Visa ATMs : 1500

ABN- AMRO Bank

ABN – AMRO Bank is among the top 10 foreign banks in India around the world with an asset of over US$ 504 billion. ABN- AMRO global network consists of more than 3500 branches in 320 cities spanning 76 countries.

More than 3,400 branches in 70+ countries, the 1991 merger Algemene Bank Nederland and Amsterdam Rotterdam Bank had a long-standing presence in India since 1920 in Kolkata known traditionally as a strong "diamond financing bank". ABN AMRO Bank India started functioning in 1991 in Delhi and till date it has branches in Chennai, Pune, Baroda, Hyderabad, Bangalore and Noida servicing multiproduct relationship with customers. It formed AA Securities [I] Pvt. Ltd. in September 1998.

The services of Abn Amro Bank is organised globally in three business lines:

•Wholesale Clients•Consumer & Commercial Clients•Private Clients & Asset Management

ABN AMRO Bank in India enjoys a strong image as a corporate bank with comprehensive Global Transaction Services. The investment banking services of the bank is delivered through ABN AMRO (India) Corporate Finance and the Global Financial Market Teams which strive to maintain the permanent position in the marketplace.

It has also launched its microfinance program. The program is aimed at delivering credit to the poor women of India, especially in the rural areas, through Microfinance Institutions (MFIs).

The Achievements of ABN AMRO Bank 

• "Best at Cash Management Award in September 2001" - The Banker

•Corporate Finance India : Ranked Second in M&A in the Investment Banking arena in 2001 - Economic Times.

•ABN AMRO Securities India : Best Foreign Bond House; No 1 Arranger in Private Sector: Euro money 2000.

•Top Bank on "Management Quality" parameter: Business India 'Best Banks Survey 2000'.

•7th Most Admired Commercial Bank in the World: Fortune Magazine, 2000.

•Top Foreign Bank in India: Economic Times - CMIE survey 1999.

•Second overall in Banking Industry: Financial Express - BRIS survey 1999.

ABN AMRO Private Equity (AAPE) 

ABN AMRO Private Equity (AAPE) is one of the leading venture capital firms in the Midwest. Abn Amro Private Equity is headquartered in Chicago with over $300 million of capital under management. ABN AMRO Private Equity invests up to $10 million in privately-held companies. It focuses its investments in four broad industries i.e., business services, communications, information technology and healthcare services. Specific target markets within these broad industry segments include B2B electronic commerce, traditional and e-business services, communications services and infrastructure, Internet applications, and traditional and e-health companies.

ABN AMRO Credit Cards

Abn Amro India provides two types of credit cards to its customers. One is Abn Amro Freedom Credit Card and the other is Abn Amro Smart Gold Card. The credit card consists of package of offers and discounts along with insurances.

Deutsche Bank in India

Deutsche Bank established its first branch in India in 1980. Currently, it has over 7,800 employees in the country, operating branches in 15 cities. Building on its dominant global markets and leading transaction banking franchises, and with over 500,000 individual customers, Deutsche Bank is a fully integrated financial services provider to Indian corporate, institutional and individual clients.

Deutsche Bank was established in the year 1870 in Berlin, Germany. It was founded to transact banking business of all kinds. It had in view to facilitate trade relations between Germany and all other European countries, and overseas markets.

The Bank is one of the leading worldwide financial service providers with its presence in 74 countries. Its approximate assets is EURO 840 billion.

A range of ways to earn more interest

Deutsche Bank offers a range of fixed deposits to cater to different needs. Choose from:db FixedDepositdb Recurring DepositSo no matter what your requirements may be, you will always find a Deutsche Bank Fixed Deposit that meets them.

db Fixed DepositSo flexible, you can decide your own termsWith a db Fixed Deposit, you have the freedom to choose the amount and the tenure that suits you the best.

•The minimum amount you can invest is Rs 20,000•The maximum tenure of your fixed deposit is 5 years

 A db Fixed Deposit will earn a higher rate of interest than a savings account and that too with total security of your funds. 

db Recurring Deposit

Earn higher interest, month after monthA db Recurring Deposit is a simple way to save money every month and earn higher interest than you get with a savings account. If you maintain a savings account with us, a specified amount can be automatically transferred from it every month to your db Recurring Deposit. At the end of the tenure, you will have saved a considerable sum of money.

•The minimum tenure is 12 months•The maximum tenure is 60 months•The minimum amount is Rs 5,000•The maximum amount is unlimited

Deutsche Bank Products and Services

Corporate and Investment Banking

The Bank offers to corporate and institutional clients a the following products and services:

EquitiesFixed IncomeForeign ExchangeCommoditiesCorporate FinanceAsset Finance & LeasingRelationship ManagementGlobal Cash ManagementGlobal Trade FinanceTrust & Securities Services

Private clients and asset management

The Bank provides the following financial solutions to private and business clients:

Private & Business ClientsPrivate Wealth ManagementDB Real EstateDWS InvestmentsDeutsche Asset ManagementScudder Investments

About the Royal Bank of Scotland Group

In 300 years, The Royal Bank of Scotland Group has grown to become one of the largest financial services groups in the world. Our brands operate around the globe to provide banking services for individuals, businesses and institutions. Proud of our history, we remain committed to innovation and service.In 2007, the Group strengthened its presence across the globe through the purchase of several parts of the Dutch bank, ABN AMRO, including their businesses in India.

RBFSI is the social activities wing of the bank in India.

RBS India offers an unparalleled suite of client services in India. Using our global reach and drawing on the expertise of our team of research, sales and trading, equity capital market and mergers & acquisitions (M&A) advisory professionals, we have led many of the biggest and most innovative landmark transactions in India for our Corporate and Institutional Clients.

They offer a broad range of transaction banking, fixed income and foreign exchange products and services, including sales and trading, fixed income origination, derivatives, structured lending and commodity financing.Additionally, they provide a diverse range of product offerings including personal loans, credit cards, savings accounts, financial planning, investment and insurance services, to meet the everyday financial needs of over a million Personal Banking clients in India.

Products and services

Microfinance program, the largest amongst its peer foreign banks in India, is aimed at delivering credit to our target community of impoverished rural woman through intermediaries called microfinance institutions.

Abu Dhabi Commercial Bank

Abu Dhabi Commercial Bank started its business in India in 1980 looking to the fact that India is a major trading partner in U.A.E. import trade. 

The trade relationship between the two nations has flourished with the advent of technology, advanced communication, sophisticated transportation and of course, efficient financial services. 

Services Offered by Abu Dhabi Commercial Bank in India

Account opening: Individuals, Corporates and Brokers can avail this facility of opening an account.

Dematerialisation: ADCB converts physical securities into an equal number of securities in electronic form. After processing, on request by customers, the certificate along with the DRF is sent to the company who will arrange to credit to the customers DP account.

Transfer of securities: Once the depository account is opened, the transfer of securities in the electronic form is effected to and from stock exchanges linked to NSDL. The Bank assists the customers for receiving/delivering securities to complete transactions concluded outside the stock exchanges (off market trades). 

Keeping track of the securities: The Bank provides monthly statement of DP account reflecting details and quantity of shares owned by the customers.

Pledge: An investor can pledge his securities as collateral for availing financial assistance for personal needs. 

Freeze/Defreeze of accounts: The Bank assists its customers for freezing their account, if they choose so, for a particular time period and no transaction will take place in the DP account. Similarly, customers can also defreeze the account to facilitate transactions when in need. 

Rematerialisation: ADCB also assists the customers to reconvert back the securities into physical form against specific requests.

Abu Dhabi Commercial Bank NRI Services

Since NRI can invest in shares and securities on repatriable and / or non-repatriable basis depending on the origin of funds (funds emanating from NRE or NRO accounts) for investment, the following requisites of the RBI permission is applied: 

Cash Against Shares (C.A.S.H)

C.A.S.H is an overdraft facility by ADCB against financial securities. It enhances the liquidity of customers, giving the freedom to utilize the money for their business / personal needs.

Advantages of C.A.S.H.

Prime Interest ratesNo Annual FeeHighest loan limit (Maximum Rs.20,00,000/- for individual)Convenience (Instant access to credit line, by simply writing a chequeSavings (Pay interest only on the amount you withdraw)Flexible Payments (Convenient repayment option)