PRESENTATION ON GLOBAL SCENARIO OF UNIVERSAL BANKING
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PRESENTATION ON
GLOBAL SCENARIO OF UNIVERSAL BANKING
PRESENTED BY
Nancy priya Priya Geeta Sneh Shubhangi Lata
WHAT DOES UNIVERSAL BANKING MEAN?
It generally refers to the combination of commercial banking and investment banking.
It is a supermarket for both wholesaler n retailer financial services as it offers a wide range of financial services.
It is a place where all financial products are available under one roof.
WHICH BANKS PROVIDE THIS SERVICE
Universal banking is done by very large banks.
These banks have a large network of branches all over the country and all over the world.
They provide many different financial services to their clients.
HOW DID IT CAME TO INDIA
In India, two reports in 1998 mentioned the concept of universal banking.
They are the Narasimham Committee Report.
That is, they advised a combination of all banking and financial activities. That is, they suggested a Universal banking
In 2000, ICICI asked permission from RBI to become a universal bank.
PRESENTING THE 5 UNIVERSAL BANK FROM 5 DIFFERENT
COUNTRIES
Flag of INDIA
INTRODUCTION
ICICI bank is 2nd largest bank in India.
It has 1308 branches all over INDIA.
It has 3950 ATM’S all spanning all over INDIA.
It spreads in 18 countries.
It has 79,978 employees.
HISTORY OF ICICI BANK ICICI bank is established in the year 1955.
ICICI bank is promoted in 1994.
HEADQUARTER OF ICICI BANK
PRODUCTS & SERVICES
Personal Banking Deposits Loans Cards Investments Insurance NRI Banking Business banking SME Services
HONGKONG
HONGKONG CURRENCY
INTRODUCTION It is the second-largest banking and financial
services group and second-largest public company in the world.
HSBC IS located in 87 countries and it has 7,500 offices.
Headquarters are in London, U.K.
Total employees are 2,95,995 .
HISTORY
HSBC was started in hongkong by Scotsman sir Thomas Sutherland in march 1865.
HSBC Holdings plc was founded in London in 1991 by hongkong and shanghai banking corporate to act as a new group holding company.
NEW IN HSBC
Outward cross-border payments.
"Online Account Balance Reconciliation" and "Business Internet Banking E-Statement and E-Advice“.
Auto Pay.
Online export customer verification.
PRODUCTS & SERVICES Credit cards Consumer banking Corporate banking Finance and insurance Investment banking Mortgage loans Private banking Wealth management Trade and Supply Chain Payments and Cash Management Electronic Banking SME Banking
AUSTRALIA
LOGO OF NAB
Logo change in2007
INTRODUCTION
NAB was founded in 1893.
NAB headquarters are in Melbourne, Australia.
Key people are Cameron(CEO) Michael Chanev (chairman).
NAB total employees are 44,645.
It operates across 10 countries, it is ranked 17 the largest bank in the world
HISTORY In 1893, National Bank Limited was formed.
1 October 1981 it continued to trade as The National Bank of Australasia Limited.
Commercial Banking Company of Sydney Limited did it become known as National Australia Bank.
Early growth was based in the urban & rural area of Victoria & south Australia.
HEADQUARTERS
NAB headquarters in mealbourn
1978-2004 headquarter
Docklands
PRODUCTS & SERVICES Corporate banking Internet Banking Business banking Investment Insurance International trade services International payments Inward Payments (remittances received) Outward Payments (remittances sent) General Charges and Other Trade Services
England
CURRENCY OF ENGLAND
INTRODUCTION
It’s Head quarters are in London, United Kingdom.
It’s Key people are John W. peace(Chairman of the board)
It’s total Employees are 84,061.
HISTORY
The name standard charted come from two original banks.
The charted bank of India, It is universal bank, Australia, and China, and the standard bank of British, south Africa .
In 1969, the banks decided to merge, and to counterbalance their existing network by expanding.
PRODUCTS & SERVICES Standard Chartered Transaction Banking: Transaction banking include the following: Cash management Trade services Equities Foreign Exchange Capital markets Loans & Mortgages Personal loans Credit Cards Insurance Retail Foreign exchange products
FRANCE
CURRENCY: EURO
BANK IN FRANCE
INTRODUCTION
BNP Paribas is one of the best rated banks in the world (Rated AA- by Standard & Poor's).
The Group has one of the largest international networks with operations in more than 80 countries and counts with 200,000 employees.
BNP Paribas has key positions in its three core businesses: Retail banking , Corporate & Investment Banking and Investment Solutions .
HISTORY
BNP Paribas was founded in 1966. INCORPORATED in France on Sept. 17, 1993. The number of BNP Paribas employees amounted
at 138,000 employees. BNP Paribas Group is the fruit of the 1999
merger between two of France's most influential banking groups.
BNP Paribas also trades internationally in more than 85 countries.
In France, BNP Paribas is active in retail banking with 2,200 branches and over 3,200 ATM machines
HISTORY
FACILITIES PROVIDED BY BANK
Foreign Currency Loan Advance Discount of Bills, Discount of Commercial Promissory Notes Overdraft Fluctuating Overdraft Working Capital Facility Investment Term Loan Back-to-Back Loan Other Medium or Long Term Loan Credit card Performance Bond Letter of Undertaking
SWOT ANALYSIS
STRENGTHS Resource Utilization Profitable Diversions Easy marketing on the foundation a of
Brand name
Grey area of Universal Bank
No expertise in long term lending
To get more exposure in the global market
To eradicate the ‘Financial Apartheid’
THREATS
Big Empires
MERITS
Economies of Scale
Investor friendly activities
One stop shopping
DEMERITS
Different Rules and Regulations
Effect of failure on Banking System
Monopoly
Conflict of Interest
CASE STUDYBank Sohar, Thinking Out-of-the-Box
Bank Sohar is a start up bank in Oman. Bank
Bank Sohar will focus on specific market segments and a phased approach to launching new products and services
Gradually evolving into a universal bank.
SOLUTIONS
It was decided that Finally Bank would be deployed to save time and effort.
The BPD document which consisted of multiple modules and was traditionally signed off at the very end was now broken into multiple documents
The Bank formally opened its doors to the public
It gives benefits to our economies scale.
It is less time consuming.
Lower cost + higher output + better product = Universal Banking.
Hence it is a HUB under which all financial services are available.
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