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      A

    PROJECT REPORT

      ON

    COMPARITIVE ANALYSIS OF STANDARD

    CHARATERED BANK WITH OTHER FOREIGN

    BANKS

    SUBMITTED IN FULFILMENT OF BBA (GEN)-IIIrd SEM PROJECTIN GGSIP UNIVERSITY, DWARKA,SEC-1, NEW DELHI

    S!"#$%%&d %' S!"#$%%&d "

    Dr* U+ .$r SHASHANK TYAGI

    (PROJECT GUIDE) BBA (GEN)

    IIIrd S&+%&r 

      E.r'//N'*02131312

    TECNIA INSTITUTE OF ADVANCED STUDIES

    GURU GOBIND SINGH INDRAPRASTHA

    UNIVERSITY

    1

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    CERTIFICATE

    This is to certify that the project entitled “ COMPARITIVE ANALYSIS OF

    STANDARD CHARATERED BANK WITH OTHER FOREIGN BANK4

    S!"#$%%&d " S+.5 T6$, E.r'// .'* 02131312 + "&&. d'.& !.d&r #6!$d.7& .d +!8&r9$+$'. $. :!/:$//#&.% ': B7&/'r ': B!+$.&++ Ad#$.$+%r%$'.*

    T& ;'r5$.6 ./+$+ #&.%$'.&d $. %$+ r&8'r% + "&&. !.d&r%5&. " %&

    7.d$d%& $#+&/: .d .&7&++r r&:&r&.7& + "&&. r&7'6.$&7% 6!$d&)

    ?

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     ACKNOWLEDGEMENT 

    IT WOULD BE A GREAT PLEASURE FOR ME TO TAKE THISOPPORTUNITY IN THANKING EVERYBODY WHO HAD BEEN OF GREAT

    HELP IN THE COMPLETION OF PROJECT* MY SINCERE GRATITUDE

    GOES TO MR. Rahul Kalhans (W&/% M.6&r) MY ORGANI@ATIONAL

    GUIDE, WITHOUT WHOSE HELP THIS PROJECT WOULD HAVE SEEMED

    IMPOSSIBLE*

    AT THE SAME TIME I AM GREATLY OBLIGED TO THE FACULTY GUIDE

    OF MY INSTITUTE DR. USHA NAIR  FOR HER VALUABLE

    CONTRIBUTION TO MY PROJECT*

    IT HAS BEEN A GREAT LEARING EPERIENCE TO BE ON THE JOB CUM

    TRAINING AND DOING THE PROJECT SIMULTANEOUSLY, WHICH

    ENRICHED MY KNOWLEDGE AND DEVELOPED MY OUTLOOK FOR

    BECOMING A BETTER PROFESSIONAL ANTICIPATING WITH

    CONVICTION THAT I HAD BEEN OF SOME HELP TO THEM* I WOULD

    ALSO LIKE TO TAKE THIS OPPORTUNITY TO THANK ALL THE STAFF

    MEMBERS AT Standad Chat!!d Ka"l Ba#h FOR COOPERATING WITH

    ME THROUGHOUT THE TENURE OR MY WORK THERE*

    S+.5 T6$

    0

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       EXECT!"E #MMA$% 

    THE COMPILATION OF THE PROJECT REPORT MEANT FORSUBMITTING TO THE FACULITY OF MAHARAJA AGRASEN INSTITUTE

    OF MANAGEMENT STUDIES FOR THE PURPOSE OF THE EVALUATION

    IN SUMMER TRAINING OF THE REUIREMENT FOR THE BACHELORS

    OF BUSINESS ADMINISTRATION (BBA)*

    THE DISSERTATION IMPARTS A DEDICATION PERSPECTIVE

    DISCUSSION ON THE “COM&A$!T!"E ANAL%#!# O' #TANDA$D

    C(A$TE$ED )ANK W!T( OT(E$ 'O$E!GN )ANK#*  IN

    COMPREHENSIVE AND CONCISE WAY ON THE BASIS OF TRAININGWHICH WAS DONE BY ME IN STANDARD CHARTERED BANK* THIS

    REPORT HAS BEEN WRITTEN FOR THE MEN OF MARKETING AS WELL

    AS THE COMMONER* MARKETING IS THE HEART OF EVERY

    ORGANISATION*

    2

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    $%st "& '"nt!nts

    Int"du't%"n

    Indust( )"&%l! * 

    •  N&; G&.&r%$'. B.5$.6

    • B!+$.&++ ': B.5$.6

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    • S%.drd 7r%&r&d T'd

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    Cha)t! 0

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    • O">&7%$9&

    • S#8/& +$

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    Cha)t! 4

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    3

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     !NT$ODCT!ON 

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     #TANDA$D C(A$TE$ED !N T(E +,,-.s

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     #TANDA$D C(A$TE$ED TODA% 

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    Cha)t! 0

    RESEARCH

    METHODO$OGY

    ?

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    REASEARCH METHODO$OGY AND $IMITATIONS

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      OBJECTIVES

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    r&/%$'.+$8 ': STANDARD CHARTERED BANK +&r9$7&+ :7%'r+ %%r$"!%&+

    %% d&r$9& 7!+%'#&r /'/%*

    2* M&+!r& STANDARD CHARTERED BANK 8&r:'r#.7& $. &7 :7%'r 

    .d %%r$"!%& .d 7/&r/ !.d&r+%.d %' ;% &=%&.% 7!+%'#&r+ &=8&7%%$'.+ $. %&

    d$::&r&.% +&6#&.%+ r& #&%*

    * Id&.%$: STANDARD CHARTEREDS 7'#8&%$%$9& +%r&.6%+ .d

     W&5.&++&+ ': &7 :7%'r :'& r&+'!r7& 8r$'r$%$

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      #AM&LE #!/E 

    TOTAL NUMBER OF UETIONNAIRE FILLED*

    *

    AREA IN WHICH SURVEY WAS CONDUCTED*

    SOUTH DELHI

    EAST DELHI

    NCR*(NOIDA,GHA@IABAD)

     NUMBER OF UETIONNAIRE FILLED IN SOUTH DELHI, EAST DELHI NCR*

    SOUTH DELHI 1

    EAST DELHI 1

    NCR - ??*

    ?

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    +0+ #WOT ANAL%#!# 

    STRENGTH

    ♦ Mr5&% 8'+$%$'. $+ +%r'.6

    ♦ A66r&++$9& :'r&$6. ".5 

    ♦ Sr&'/d&r+ r&%!r. + 6r';. #'r& %. 3 %$#&+

    ♦ M$.%$. 8'+$%$'. + /&d$.6 A+$. 7+ #.6&.% 8r'9$d&r 

    ♦ Br.d SCB+ #'d&r. .d d.#$7 /''5 88&/+ %' %& 6r';$.6 #$dd/&

    $.7'#& &r.&r+

    ♦ O. ': %& #'+% 8r':$%"/& MNC $. I.d$

    ♦ I#8r'9&d 8r'd!7% 8r'8'+$%$'.

    ♦ B&%%&r 6&'6r8$7 "/.7&+

    ♦ M!/%$-7!/%!r/ 'r6.$

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    1EAKNESS

    ♦ HDFC, ICICI, ABM-AMBRO, KOTAK .d HSBC r& d'#$..% 8/&r+

    ♦ H+ d$+d9.%6& d!& %' /+% &.%r

    ♦ F&;&r /'7%$'.+ + 7'#8r&d %' '%&r MNC ".5+

    ♦ S&r9$7& d&/$9&r r&7&8%$'. $+ ;&5 

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    OPPORTUNITIES

    ♦ Br.7 &=8.+$'. :'r r8$d 6r';%

    ♦ I.7r&+& :'7!+ '. 9/!& 7r&%$'. $. ;'/& ".5$.6

    ♦ I#8r'9& +r&'/d&r+ r&%!r.

    ♦ B!$/d #r5&% +r& $. 7'.+!#&r ".5$.6 + 7'.+!#&r ".5$.6 7'.%$.!&+ %'

    '::&r $6&+% 8'%&.%$/ :'r 6r';%

    ♦ Br'd&.$.6 ': %& d'6r8$7 "+&

    ♦ T$& !8+ ;$% #+%&r 7rd .&%;'r5+

    ♦ I.%&6r%&d +/&+ .d +&r9$7& 88r'7

    C. '::&r 7'#8/&%& 7'r8'r%& 8756& $.%' !.d&r 8r'8'+&d 7'r8'r%&r&/%$'.+$8

    ?

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    THREATS

    ♦ IDBI $+ 8$%7$.6 $. !$%& 66r&++$9&/

    ♦ C$%$".5 $+ &=8.d$.6 $. .&; #r5&%+

    ♦ C'#8&%$%$9& 8r'd!7%+ .d '::&r+ :r'# ICICI .d HDFC

    ♦ Pr'8'+&d .&%;'r5$.6 ': // "r.7&+ $. .&=% #'.%+

    ♦ R&d!7&d "!+$.&++ $. OECD "!+$.&++

    0

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       #er1ices pro1ided 2y standard chartered 

    Tr'!6 %& .&%;'r5 ': '9&r '::$7&+ $. #'r& %. 7'!.%r$&+, +%.drd

    7r%&r&d '::&r+ 8&r+'./ :$..7$/ +'/!%$'. r&/&9.% %' '! + . $.d$9$d!/,

    +%.drd 7r%&r&d %r&+!r& "!$/d$.6 r&/%$'.+$8 ;$% %& 7!+%'#&r, d&9&/'8$.6

    . !.d&r+%.d$.6 ': 7!+%'#&r+ 7.6$.6 :$..7$/ .&&d+ % d$::&r&.% +%6&+ ': '!r

    /$:&* T&$r /'.6 &r$%6& ': .&r/ 1 &r+ + &."/&d % %' 7.6& ;$% %$#&,

    '::&r$.6 !/$% 8r'd!7%+ " #&.+ %% r& 7'.9&.$&.% %' 7!+%'#&r*

    Standad 'hat!!d "&&! %n'lud!s/

    ♦ P&r+'./ :$..7&*

    ♦ Cr&d$% 7rd+*

    ♦ Pr$'r$% ".5$.6*

    ♦ I.9&+%#&.% d9$+'r +&r9$7&+*

    ♦ P&r+'./ $.9&+%#&.%+*

    ♦ I.+!r.7&*

    ♦ D&8'+$%+ .d R&%$/ +&r9$7&+

    ♦ R&%$/ F 8r'd!7%+*

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    1* PERSONA$ FINANCE.

    M"t#a#!s

    I. #. ': %& #r5&%+ ;&r& +%.drd 7r%&r&d '8&r%&, &+8&7$// $. 5& #r5&%+

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    #'r%66&+* T&$r &=8&r$&.7&d .d d&d$7%&d %&#+ ;$// 6!$d& %& $.d$9$d!/ $.

    &9&r +$.6/& +%&8 %' &."/& $# +#''% .d ++$&-:r&& &=8&r$&.7&, '::&r$.6 $#

    r%&+ .d r&8#&.% 8756&+ #'+% +!$%"/&, +%r% " %r$.6 '!r $.+%.% 88r'9/4

    +&r9$7&*

    Un%;u! &!atu!s/

    ♦ L'; $.%&r&+% r%&+, '8%$'. ': :/% 'r r&d!7$.6 $.%&r&+% r%&+*

    ♦ L'; EMI (&!%&d #'.%/ $.+%//#&.%+)*

    ♦  N' $dd&. 7'+%+ /$5& 8r'7&++$.6 7r6&* E9&r%$.6 $+ d'.& !8 :r'.%*

    ♦ !$75 88r'9/ .d r&/$

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    ♦ T= "&.&:$%+*

    ♦  N' !.:$r 7'//%&r/ d.d+*

    ♦ A +$#8/& #'r%66& 8r'7&++*

    Personal loans

      S%.drd Cr%&r&d ".5 &/8+ %& 7!+%'#&r %' d& $. 7'.%r'/ ': $+&r ';.:$..7&+* P&r+'./ /'.+, ;$%'!% . 6!r.%&&+ 'r 7'//%&r/+, r& 9$/"/& %'

    7!+%'#&r %' #&&% +8&7$:$7 7r&d$% .&&d+* C''+& $.+%//#&.% /'. 'r R&9'/9$.6 /'.,

    ;%&9&r +!$%+ "&+%* W&%&r 8/..$.6 97%$'., r&-d&7'r%$.6 '#&, 8$.6 :'r

    7$/d+ 7'//&6& &d!7%$'., 'r +$#8/ ;$+ %' 9& +%.d" /$.& ': 7r&d$% :'r

    !.:'r&+&&. &=8&.+&+, S%.drd Cr%&r&d B.5+ 8&r+'./ /'.+ 7. &/8 :!/:$// %&

    dr&#+*

    P&r+'./ /'. $+ +8&7$// d&+$6.&d %' 6&% %& #'.& .&&d $. %$#&, ;$%'!% 9$.6

    %' .+;&r !..&7&++r !&+%$'.+, .d ;$%'!% . 7'//%&r/ 'r #'r%66&+*

    Un%;u! &!atu!s/

     ♦ C''+& %& r&8#&.% 8/. #'+% 7'.9&.$&.%, r.6$.6 :r'# 7'#87% 1?-

    #'.%+ 8&r$'d %' 7'#:'r%"/& 0-#'.% +8.*

      Fr&& %' !+& %& #'.& :'r r&.'9%$.6 '!+& 'r #&&%$.6 +'#&!.&=8&7%&d &=8&.+&+ &%7*

    ♦  N' 7'//%&r/ 'r +&7!r$%*

    ♦ !$75 .d &+ 8r'7&++$.6*

    0

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    0. CREDIT CARDS

    S%.drd Cr%&r&d 9$+ .d M+%&rCrd 7r&d$% 7rd+

    S%.drd Cr%&r&d 7r&d$% 7rd+ 8r'9$d& :$..7$/ :/&=$"$/$%, ;'r/d;$d&

    77&8%.7&, .d r'!.d- %&- 7/'75 7'.9&.$&.7&*

    B!n!&%ts/

    ♦ W&/7'#&d % %& /r6&+% .!#"&r ': #&r7.% '!%/&%+ 7r'++ %& ;'r/d*

    ♦ R&9'/9$.6 7r&d$% :7$/$%, //';$.6 r&8$.6 7rd '!%+%.d$.6 '9&r

    %$#&, % 7'.9&.$&.7&*

    ♦ C+ ;$%dr;/ $. /'7/ 7!rr&.7 % V$+ .d M+%&rCrd /$.5&d

    ATM+ 7r'++ %& ;'r/d*

    ♦ P/%$.!#, G'/d 'r C/++$7 7rd+ %' +!$% /$:&+%/& .d .&&d+*

    ♦ S#r% 7r&d$% 7rd+ ;$% +8&7$/ 8r$9$/&6&+ .d +&7!r$%*

    ♦ A%%r7%$9& r&;rd+ 8r'6r#+*

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    ♦ A::$.$% .d 7' "r.d&d 7r&d$% 7rd+ %% 6$9& dd$%$'./ "&.&:$%+ :r'#

    '!r 8r%.&r+*

    ♦ W'r/d-7/++ +&r9$7& ++$+%.7& .d ?2-'!r 7!+%'#&r &/8 /$.&*

    2. PRIORITY BANKING

    E=8&r$&.7& .&; S%.drd+ $. ".5$.6* A.d /&d /$:& ': 8r$9$/&6& .d 8r&:&rr&d

    :$..7$/ +'/!%$'.+ %$/'r&d 8&r:&7%/ :'r '! ;$% 8r$'r$% ".5$.6 :r'# S%.drd

    Cr%&r&d*

    D&+$6.&d +8&7$// :'r %'+& ;' 88r&7$%& './ :$.&+% %$.6+ $. /$:&, 8r$'r$%

     ".5$.6 '::&r+ %& 9&r $6&+% /&9&/+ ': 8&r+'./$

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    ♦ P&r+'./$

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    r'!.d %& ;'r/d, $% 7. "& ++!r&d ': d$::&r&.% $.9&+%#&.% '8%$'.+ .d ;&/% ':

    $.:'r#%$9& .d r&/&9.% !8d%&+*

    W$% %r$.&d $.9&+%#&.% +&r9$7&+ 7'.+!/%.%+ :r'# 7'!.%r$&+ r'!.d %& 6/'"&, %&7. &/8 %' #5& %& r$6% $.9&+%#&.% d&7$+$'.+* U+$.6 !.$!& r$+5 &9/!%$'. %'

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     8r'8r$&%r :!.d &9/!%$'. 8r'7&++ %' $d&.%$: :!.d+, ++&++ r$+5+ .d +'r%/$+% %'8-

     8&r:'r#$.6 :!.d+ 7!+%'#&r 7. "& &.+!r&d ': 8&r+'./$

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    =. INSURANCE

    S%.drd Cr%&r&d r&7'6.$. DEPOSITS AND RETAI$ SERVICES

    D!)"s%ts

    S%.drd Cr%&r&d '::&r+ ;$d& rr ': d&8'+$% 8r'd!7%+ $. "'% /'7/ .d

    :'r&$6. 7!rr&.7$&+ %' &/8 %' &r. 7'#8&%$%$9& $.%&r&+% r%&+* T&$r $.%&r.%$'./

    .&%;'r5 '::&r+ . &=%r 7'.9&.$&.7& ;$/& "r'd* I. +'#& 7'!.%r$&+, %& '::&r

     8r$!# $.%&r&+% +9$.6+ 8/.+ /$5& H$6&r Ed!7%$'. F!.d+ %' %!r. %& dr&#+

    $.%' r&/$%*

    R!ta%l s!3%'!s

    S%.drd Cr%&r&d '::&r+ 7'#8r&&.+$9& r.6& ': r&%$/ +&r9$7&+ $. #.

    7'!.%r$&+* T&+& $.7/!d&+

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    ♦ L'7/ .d :'r&$6. 7!rr&.7 7&!&+*

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    ♦ S:& d&8'+$% "'=&+*

    ♦ T&/&6r8$7 %r.+:&r+*

    ♦ Tr9&/&r+ 7&!&+*

    ?. RETAI$ F@ PRODUCTS

    S%.drd Cr%&r&d $+ .'; '::&r$.6 9/!"/& 7!+%'#&r+ . &+ .d :/&=$"/& ; %'

    $.9&+% $. :'r&$6. 7!rr&.7$&+* T& 8r'9$d& $6 :/&=$"$/$% %' &."/& +'8$+%$7%&d

    $.9&+%'r+ %' 78$%/$

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    ADDITIONA$ SERVICES

    +. INTERNET BANKING

    Y'!r& ".5$.6 .&&d+ .'; %5&. 7r& ': % %& 7/$75 ': #'!+&* W$% +&7!r&

    I.%&r.&% ID .d P++;'rd, 7!+%'#&r 7. /'6$. .d %5& 7r& ': $+&r ".5$.6

    .d 7r&d$% 7rd .&&d+ % $+&r 7'.9&.$&.7& .d %$#&* N' #'r& !&!&+, .' #'r&

    ;$%$.6*

    0. PHONE BANKING

    A+ 8r% ': 7'##$%#&.% %' #&&%$.6 // .&&d+, S%.drd Cr%&r&d '::&r P'.&

    B.5$.6 A +&r9$7& %% &."/&+ '! %' 77&++ ;&/% ': :$..7$/ $.:'r#%$'.,

    ?2 '!r+ d, 3 d+ ;&&5*

    Th"u#h Ph"n! Ban-%n#/

     ♦ C&75 '!r 77'!.% "/.7&*

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    ♦ G&% d&%$/+ "'!% +8&7$:$7 %r.+7%$'.+*

    ♦ I.!$r& "'!% %& +%%!+ ': 8r%$7!/r 7&!&*

    ♦ Ord&r d.d dr:%+*

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    ♦ G&% $.:'r#%$'. '. d&8'+$% r%&+, /&.d$.6 r%&+, &=7.6& r%&+ .d ".5

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    ♦ C// r''# +&r9$7&+ %' '8&. '!r 77'!.%*

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    2. MOBI$E AND E6MAI$ A$ERTS

    S%.drd Cr%&r&d /;+ %r .d #5& /$:& +$#8/&* M'"$/& .d E-#$/ A/&r%++&r9$7& $+ d&+$6.&d >!+% :'r %%*

    2* SMART FI$$ DEBIT CARD

    S#r% :$// D&"$% 7rd, /!.7&d $. ++'7$%$'. ;$% Br% P&%r'/&!#, ;$// &/8 %'

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    Un%;u! &!atu!s/

    ♦ Er. r&;rd 8'$.%+ &9&r %$#& '! !+& %& 7rd %' #5& 8!r7+&+ .;&r&,

    ;$7 '! 7. %&. r&d& :'r :!&/ % +&/&7% Br% P&%r'/&!# '!%/&%+*

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    ♦ W&. %& 7rd $+ !+& %' #5& 8!r7+&+ % +&/&7% Br% P&%r'/&!# '!%/&%+, %&

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    S%.drd Cr%&r&d $.%r'd!7&+ ECS (E/&7%r'.$7 C/&r$.6 ++%), . $..'9%$'.

    :7$/$% :'r "!+ 8&'8/&* W$% %$+ :7$/$%, 7rd "$// #'!.% !%'#%$7// 6&%+

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    ;$// +%$// r&7&$9& $+&r r&6!/r #'.%/ +%%&.%+*

    2

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    Cha)t! 4

    ACCOUNTS

    2

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      MA!NTA!N!NG ACCONT# W!T( #TANDA$DC(A$TE$ED

    DEPOSITS

    DEMAND DEPOSITS TIME DEPOSITS

    SAVINGS A9C CURRENT A9C FI@ED DEPOSITS

    2

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    A X CESS P$US A9C SUPER VA$UE A9C PARIVAAR A9C SARA$ A9C

     DEMAND DE&O#!T# 

    SAVINGS ACCOUNT

    S%.drd 7r%&r&d $.%r'd!7&+ 7&++ 8/!+ r&9'/!%$'.r +9$.6+ 77'!.% %%

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    Un%;u! &!atu!s

    T&r& r& +&9&r/ !.$!& :&%!r&+ "'!% %& +%.drd 7r%&r&d ".5+ 7&++ P/!+

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