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Banking Products, Segments& Distribution
COMPARATIVE ANALYSIS OF 3 PRIVATE SECTOR BANKS
Dheepak Rajoo, 111703 | FinTech, SPJAIN | 12/23/2017
COMPARATIVE STUDY OF 3 PRIVATE SECTOR BANKS
1. OBJECTIVETo compare the segments & Products of any 3 Indian Scheduled Bank using ‘SITEMAP’. This is for better appreciation of the Banking landscape.
2. REFERENCES USEDhttps://www.yesbank.in/sitemap
https://www.hdfcbank.com/personal/sitemap
https://www.icicibank.com/sitemap.page
3. OBSERVATIONSa. YES BANK
Distribution of Bank’s products are primarily through YES Bank’s 1040 Branches, 1823 ATMs, and through their Digital channels – Web, Mobile, Contact Center, ATMs, Self-service Kiosk, Digital Branches, Social Banking. Table below lists the Products & segments of Yes Bank. Unique stand out features are also identified side-by-side.
Source: https://www.yesbank.in/pdf/yes_bank_investors_ppt_q2fy18_usd
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SegmentProduct Classes Details Unique Proposition
Retail BankingSavings Account
Savings Customize, Select, Advantage, Smart Salary etc. (7 Products)
Create your own Savings account (Debit card, Minimum Balance, Account Benefit package)Choose your own Debit card/Interest in lieu of MAB
Individual
LoansHome Loans, Retail Business Loan, Car Loan, LAS, Personal, Gold, Healthcare Financing (13 Products)
Healthcare Financing - Financial solutions for Doctors, Nurses, Hospitals, Diagnostic centers for funding healthcare equipment.
Deposits Fixed Deposit, Recurring Deposit (2 Products)
CardsDebit, Credit, Pre-Paid cards (Jewelry cards, Multi-currency) - 15 Products
Incredible India - Debit cum ATM card
Wealth Management
Investments (Mutual Fund, Structured Product (Derivative for Retail), AIF (Alternative Investment Fund like P/E, Hedge, VC), Equities (Direct, Index, Equity Derivative)
Online Succession planning services (EZWILL)
Insurance Life & Non-Life (Motor, Travel) Locker Safety Deposit Locker
Pension Government Pension SchemesNPS, Atal Pension Yojna, Jan-Dhan Yojna
NRI
Savings Account NRO/NRE Account Global Indian ProgramDeposits Regular Loans Regular Investments Portfolio Investment schemes
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SegmentProduct Classes Details Unique Proposition
NRI Remittances Through Exchange house NRI Resources PO Box Service, Tax Advisory PO Box service is Unique
Business Banking
Capital Market & Escrow
Equity/Debt Mobilization, Dividend/Interest Payout Mgmts., Cash/Collateral Escrow mgmt.
Deals with Clear tax, Entrepreneur Magazine, The Apex Club (co-working spaces), Registrationwala, KIIT Incubator
Trade Finance Services
LC, Bills on collection, Import Advance Payment, Buyers/Suppliers Credit, BGs, SBLC,
Cash Management Services
Payments, Utilities, Tax Payments (Direct & Indirect Taxes), Online Collection, Invoice Monitoring, POS, Cash & Cheque Deposit, Fund Pooling,
POS PoS Terminals, Secure & Reliable payments, Dedicated Merchant Helpdesk
Current Account Corporate Salary
GST AdvisoryGST Advisory, GST Forms, GST Ready current accounts, GST Knowledge articles
SME Loans Fund-based limits (OD & Drop-line OD) Fixed Deposits Cards Agri Banking Programmes
Kisan Dairy Plus, Sahaj, Sampann etc.
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SegmentProduct Classes Details Unique Proposition
Loans & Finance
Krishak Sahyogi, Small Agri educational loans, Commodity Finance
Institutional Banking
Zero Balance Savings & Current Account Cheque pickup, Internet Payment gateway, Online Donation, Online collection, Online payments solutions, Online Tax payments solutions. Cash Management & Trade FinanceTrusts including PF Trusts, Associations, Societies including Co-operative Societies and Housing Societies, Clubs, Educational Institutions, Non-Government Organizations (NGOs), Section 25/ 8 Companies, Hospitals, Government Institutions and Defense Establishments.
Head Start-Up
Customized Current Account, Dedicated Start-Up Branches, Knowledge Driven Approach, Seamless Digital Banking, Bespoke Privilege Program
Deals with Cleartax, Enterpreneur Magazine, The Apex Club (co-working spaces), Registrationwala, KIIT Incubator
Corporate Banking
Knowledge Sectors & Business Segments
Food & Agri, Media & Entertainment, Life sciences, IT, E-Commerce, Travel & Tourism, Renewable Energy etc.Commercial Business, MNC, International Banking, Government, Corporate, and Emerging Corporates Open API Banking
Investment Banking
M&A, Private Equity Fund raising, Capital Markets, Restructuring for Liquidity
Treasury & Risk Management Cash, Forwards, Swaps, FX, Cross currency options
Loans
Working capital, Term, Structured Finance, Foreign currency Loans
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SegmentProduct Classes Details Unique Proposition
Transaction Banking
Cash Management solutions, Trade Finance solutions, Escrow Management, Fx services, API Banking, Bullion, Digital Trade solutions
1st Bank to Digitize B2B supply chain
Debt Capital Markets
Money market instruments, NCB, Structured Debt, Counterparty to investors in secondary market
Surplus & Investments
FDs, Fixed income solutions, equity/MFs, Insurance, Alternate investments
b. HDFC BANKHDFC Bank’s distribution network stands at 4,729 Branches across 2,669 cities. Customers across India are serviced through multiple delivery channels such as Phone Banking, Net Banking, Mobile Banking, and SMS Banking. The Bank also has a network of 12,259 ATMs across India.
Segment Product Classes
DetailsUnique Proposition
Retail Banking Savings Account
Savings Max, Regular Savings, Women's, Kids, Senior Citizens, Family savings, Govt Savings, Savings Farmer etc. (10 Products)
Savings Bank Account for Farmers with Avg half yearly balance of Rs.2500Women's Savings Account
Personal Salary Account
Regular, Premium, Defense, Classic etc. (7 Products)
Free Personal Accident cover on Family Sal account - Insurance Benefit
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Segment Product Classes
DetailsUnique Proposition
Loans Personal Loans, Car Loans, Business Loans, Loan on Credit card, Loans for Professionals, Gold Loan, Loan against Property, 15 Products - Loans
Cards 20 types of cards Demat 2-in-One, 3-in-One, Demat account, Investment
assistInvestments National Pension scheme, Atal Pension yojana,
Investment Yojana, Mutual Funds, PPF, Sukanya Samriddhi Account
Sukanya Samridhi - Beti bachao, Beti Padhao campaign; Transfer funds from linked a/c, SI can be set online, view a/c statement online
Insurance 20 Life Products, Health & Accident cover, Non-life (Motor, Travel, Home Insurance, Student travel,
NRI Accounts & Deposits
NRE/NRO Account
Savings & Current - based on residency statusSweep-inFCNR Deposits
Money Transfer
Money Transfer Product - select currencies Repatriation of funds in the currency of customer's choice - currency pair movement of CY vs base year.tenure greater than 1 year means he is NRI
Investments & Insurance
Equities, Derivatives, MFs, Insurance - 13 Products
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Segment Product Classes
DetailsUnique Proposition
Research Reports
Fx alert, Market plus updates, company report, futures & options market trending
Loans Home Loans, Loans against securities, Loans against Deposits
Premium Banking
Private Banking, Imperia, Preferred, Classic Banking
SME Accounts & Deposits
Ultima, Apex, Max, Plus, Trade, Premium, Regular, Flexi, Supreme etc. (16 Products)Salary Accounts, Demat Accounts, Savings Account & Deposits
Financing your business
Working capital Finance - Turn-over <7.5 Cr; More than 7.5 CrWorking capital for contractors, Term Loan, Loan against assets, Commercial & Equipment Finance, Loans for Professionals, Commercial vehicle financing, Rural Loans - Agri, Tractor, Agri business credit, warehouse receipt loans etc.
Loan Against Commodities stored in Warehouses - Funding extended against commodities stocked in a range of different warehouses/godowns
Trade Services
Export, Import, LC, BG, Remittance Services, Hedging Solutions (Forward contracts),
Capital Account transactions - Direct Investments by Residents in JVs, Wholly-owned subsidiaries, FDI, ECB etc.
Payments & Collections
SmartPayment Hub for Merchants, Payzapp for business, cash management services, RTGS, Enet, Doorstep Banking, Tax Payments etc.
Online/Mobile/In-store payments - Payzapp for business, QR code based payments - customized by business types
Cards Business Platinum credit, Moneyback credit etc. Embedded SmartPay feature
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Segment Product Classes
DetailsUnique Proposition
from Retail to pay electricity, phone, mobile, insurance premiums any-time, any-where
WholesaleCorporates Large
Corporates - Fund & Non-Fund based
Funded Services (Working capital, Bills, Short-term Finance, Export credit)Non-Funded Services (LC, BGs, Collection of documents)Supply chain financing (Dealer Finance, Vendor Finance)Value-added services (Syndication, Cash management services, Corporate salary accounts, Forex Desk, Money Market Desk, Derivatives Desk, Tax collection etc.)Agriculture lending - Crop loan (cash crop, horticulture, plantation, poultry, Agri-input financing like seeds, fertilizers, irrigation tools,
SmartHub is a comprehensive and integrated payment solution for merchants to now collect paymentsthrough multiple payment modes. Payment modes include Debit Cards, Credit Cards, Multiple BankNet Banking, IMPS, NEFT, RTGS, Cash, Cheques and Demand Draft.
Through the SmartHub platform, merchants can now have a one view of monies collected through all modes of payment in one view. The solution is customizable for each merchant organization.
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Segment Product Classes
DetailsUnique Proposition
Financial Institutions & Trusts
Banking Products
Correspondent Banking services (Tax payments, cheque collection, Trade finance services, clearing memberships, ATM/Aadhar sub-membershipsInstitution needs - Cash management, Tax payments, Forex Desk, Money Market/Derivatives DeskMutual Funds - Collections, fund transfers, Debt market, payment services, tax paymentsClearing services & other horizontal services specifically to Stock brokers, capital market brokers, Insurance companies, Commodity businesses, and Trusts
Government Sector
Tax collection Products
HDFC Bank acts as an active medium between the government and the customers by means of various services. These include:Tax collection, E-Ticketing, LCs, Collection of Taxes & Levies, Disbursement of Pension, Electronic collection of fees, Collection of Property Tax, Prime Minister National Relief Fund
Customizable Deposit slips available at HDFC Branches
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Segment Product Classes
DetailsUnique Proposition
Investment Banking
Full Spectrum of Investment Banking & Capital Market Products
Debit & Capital Markets - Book runners for raising DebtProject & Structured Finance - Project advisory, Assessment, Financing, and capital raisingEquity Capital Markets - Originate, Structure, and Execute equity financing for private & public corporationsCorporate Finance Advisory - Advisory services in areas of Institutional private equity, M&A, and advisory
c. ICICI BankICICI Bank’s operation has spread all over the globe and it has subsidiaries and branches in 19 countries like Russia, United Kingdom, Canada, Singapore, US, Hong Kong and Qatar. In India, ICICI Bank has a huge set-up of 14,164 ATM’s and 4,850 branches.
Customers across India are serviced through multiple delivery channels such as Internet Banking, Mobile Banking, Pockets (Pockets on Digital, Pockets on Facebook), Touch Banking, Insta Banking, Twitter Banking.
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Segment Product Classes
DetailsUnique Proposition
Personal Accounts & Deposits
27 Products - Savings, FD, RD, iWish flexible RD, Demat
Choose your Account NumberiWish - Goal-based RD (same interest as FD)
Loans 15 Products - Home Loans, Personal Loans, Car Loans, Gold Loans, Loan against securities, Loan against property etc.
Cards Credit, Debit, PL on Credit, Travel Card, Corporate cards & Pre-paid cards
PL on Credit card
Insurance Two-wheeler, car, travel, Life insurance, Health insurance, Home insurance, Retirement plans, card protection plans
Backed by top Insurance companies - Life & GI
Investment Tax Solutions, Mutual Funds, PPF, Student solutions, Forex, Senior Citizen savings, Sukanya Samriddhi Yojana, ASBA (Application supported by blocked amount), Forex
Agri&Rural Banking
Agri corporates, Micro Banking, Micro Finance, Tractor Loans, Farmer Finance (for all stages of farming - sowing, harvesting, transportation)
Instant Gold loans for farmers
Privilege Advantage Dedicated service area, Priority service, special privileges - relationship & lifestyle
Exclusive Relationship & Lifestyle based service areas for Banking
Your Life stage
Banking needs based on customer's life stages Life stage based Banking & Financial products (ICICI & 3rd Party Products & Services)
Products Accounts & Deposits, Titanium Privilege, Gold Privilege, FD, RD, Family Banking,
Family Banking is a product in which individual Family can group their respective relationships (Savings Account, Fixed Deposit, Recurring Deposit) under a single
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Segment Product Classes
DetailsUnique Proposition
ID called the 'Family ID'Wealth Management
Your Life stage
Grow your Wealth, manage your wealth, Protect your wealth
Products Funds & Investments, Insurance & Risk Protection, Investment advice, Banking Products, Credit cards, Banking services, Smart Vault
Smart Vault is India's most advanced, first-of-its-kind locker service to safeguard customers valuables while enjoying the convenience of accessing them any time, any day. Smart Vault is designed with state-of-the-art robotic technology and high-end security.
Rewards Dining, Travel, Lifestyle, Health & Beauty Products
NRI Bank Accounts
14 Products - NRE, NRO, NRI, RFC, Deposit accounts
Loans Home Loans, Loans against DepositsInvestments Portfolio Investment scheme, Mutual FundsInsurance Life & General Insurance Products NRI Insurance, NRI Education zoneMoney Transfer
Online payments & Wire transfers
Corporate Commercial Banking
General Banking, Global Trade Services, Cash Management, Corporate Internet Banking
Global Markets
Forex, Derivatives, Remittances through Fx, Structured Products, Collateralized Trading, Treasury Research
Investment Banking
Investment Banking, M&A Advisory, International Syndication
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Segment Product Classes
DetailsUnique Proposition
FI, Capital Markets & Custodial Services
Financial Institutions, Capital Markets, Custodial services
Project Finance
Merchant Banking Technology Finance Group (TFG) of ICICI Bank assists organizations in select sectors including agribusiness.Implementation of various programs for international agencies such as World Bank and USAID.
Business Current Account Products
5 Current Account Products - Smart business, Roaming, Trade Roaming, Made2Order Account
Made2Order Current Account - Flexibility in deciding the MAB, higher free Limits in services which are required frequently, Customized DD/Pay Order limitsFlexible cash deposit limits at both base and non-base branches.
Trade Services
Solutions for Importers, Solution for Exporters Solutions for Domestic Business, Treasury Services, Bank Guarantees, Research Reports
Services are positioned based on customer's needs, which makes is easy to locate & avail these sophisticated services
Advisory Services
Capital Raising, Buy & Sell advisory, Special situation solutions
Industry specific Loans
Loans for Construction, Educational Institutions, Pharmaceuticals, Information Technology
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ScreenshotsYes Bank
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ScreenshotsHDFC Bank
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ScreenshotsICICI Bank
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