Banking Segmentation SHREYAS JANI Product Segmentation of HDFC

Banking Segmentation - SHREYAS JANI

Product Segmentation of HDFC BANK

HDFC Bank Limited (the Bank) is a holding company. The Bank offers a range of banking services covering commercial and investment banking on the wholesale side and transactional/branch banking on the retail side. It also offers financial services. The Bank’s segments include Treasury, Retail banking, Wholesale banking and Other banking business. The Treasury segment primarily consists of net interest earnings from the Bank’s investment portfolio, money market borrowing and lending, gains or losses on investment operations and on account of trading in foreign exchange and derivative contracts. HDFC bank is sponsor of HDFC mutual fund which is the second largest mutual fund in India by Assert under management. The Retail Banking segment serves retail customers through a branch network and other delivery channels, as well as through alternative delivery channels. The Bank provides its corporate and institutional clients a range of commercial and transactional banking products. The Other banking business segment includes income from para banking activities.

Product Segmentation of HDFC Bank (Primary) Personal NRI SME Wholesale

Product Segmentation of HDFC Bank (Personal Banking ) Accounts & Deposits Loans Cards Demat. Account Investment Products Insurance

Product Segmentation of HDFC Bank (Personal) Accounts & Deposits Loan Against Securities Savings Account Loans Against Rental Receivables Salary Accounts Consumer Durable Loan Current Accounts Cards Deposits Credit Cards Loans Central Travel Account Personal Loan Debit Cards Car Loans Demat Account Smart draft - Overdraft Against Salary Investment Products Loans Against Assets Insurance

Product Segmentation of HDFC Bank (NRI) NRO Fixed Deposits Savings Accounts Offshore Accounts & Deposits NRE Savings Account Investments NRO Savings Account Mutual Funds Current Accounts Portfolio Investment Schemes NRE Current Account Offshore Investments NRO Current Account Equities and Derivatives Fixed Deposits Insurance NRE Fixed Deposits Loans NRO Fixed Deposits Home Loans Offshore Accounts & Deposits Loans Against Securities Investments Products Loan Against Fixed Deposits

Product Segmentation of HDFC Bank (SME) Accounts & Deposits Turnover Greater Than Rs 7. 5 Crores Current Accounts Working capital for Contractors Salary Accounts Saving Accounts Commercial / Construction Equipment Finance Deposits Working Capital Finance to Transporters Working Capital Finance Term Loan Turnover Less Than Equal To Rs 7. 5 Crores Business Loan

Product Segmentation of HDFC Bank (SME) contd. Loans for professionals Tractor Loans Loan Against Assets Agri Business Credit Loan Against Securities Warehouse Receipt Loans Loan Against Property Remittance Services Loans Against Rental Receivables Other Trade Services Healthcare / Medical Equipment Finance Hedging Solutions - Forward Contract Commercial Vehicle Finance Trade Services Rural Loans Export Services Retail Agri Loans Import Services Letters of credit & Bank Guarantees

Product Segmentation of HDFC Bank (SME) contd. Payments & Collections Pay. Zapp for Business Smart. Hub for Merchants Real Time Gross Settlement - RTGS Cash Management Services ENet Direct Pay Mode of Payment ECS Credit & Debit Merchant Services Doorstep Banking Tax Payments

Product Segmentation of HDFC Bank. (Wholesale) Corporates. Large Corporates Vendor Finance Funded Services Internet Banking Non Funded Services Supply Chain Partners Value Added Services Dealer Finance

Product Segmentation of HDFC Bank. (Wholesale) Financial Institutions & Trusts (Banks) Clearing Sub-membership DD/Cheques payable at par Cheque Collection Funds Transfer Trade Finance Services Corporate Salary Accounts Tax Collection Retail Distribution

Product Segmentation of HDFC Bank. (Wholesale) Mutual Funds. Collection Services Debt Market Payment Services to Employee Trusts Custodial Services to Cash Surplus Corporates Funds Transfer Tax Collection Money Market Desk Bankers to Rights/Public Issue

Product Segmentation of HDFC Bank. (Wholesale) Financial Institutions India Link Forex Desk Cash Management Services Money Market Desk Services to Cash Surplus Corporates Derivatives Desk Tax Collection Custodial Service Bankers to Rights/Public Issue Correspondent Banking

Product Segmentation of HDFC Bank. (Wholesale) Stock Brokers. Clearing Settlement Bankers on Equity & Derivatives Segment Professional Clearing Member of NSE Derivatives Bank Guarantees Loan Against Securities Institutional Contract Funding Structured Working Capital Funding Loan against Govt. secs & other debt instruments Cash Management Services Corporate Salary Accounts Mutual Funds Service System Payment Gateway for e-Broking Ventures Custodial Service Retail accounts for broker clients Netbanking Solutions

Product Segmentation of HDFC Bank. (Wholesale) Insurance Companies Collection Services Forex Desk Money Market Desk Derivatives Desk Services to Employee Trusts Custodial Service Disbursement Services Tax Collection

Product Segmentation of HDFC Bank. (Wholesale)Commodity Business Commodity Exchange Business Processors / Manufacturers Market Participants (Commodity Traders & Brokers) Farmers / Agriculturists Tax Collection

Product Segmentation of HDFC Bank. (Wholesale) Trusts Custodial & Depository Services Participation in RBI Auctions SGL Maintenance Government Sector Investment Banking

Product Segmentation of AXIS BANK

AXIS Bank Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 2904 domestic branches (including extension counters) and 12, 743 ATMs spread across the country as on 31 st March 2016. The overseas operations of the Bank are spread over nine international offices with branches at Singapore, Hong Kong, Dubai (at the DIFC), Colombo and Shanghai; representative offices at Dhaka, Dubai, Abu Dhabi and an overseas subsidiary at London, UK. The international offices focus on corporate lending, trade finance, syndication, investment banking and liability businesses. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994. The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd. , The New India Assurance Company Ltd. , The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The share holding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003.

Product Segmentation of AXIS Bank (Primary) PERSONAL Retail NRI Agri & Rural BUSINESS

Product Segmentation of AXIS Bank (Personal)(Retail) Accounts Loans • Savings • Home Loans • Salary • Car loans • Current • Secured Loans (LAP, LAS) • Education Loans Deposits Forex Cards Investment Insurance • Credit • Debit

Product Segmentation of AXIS Bank (Personal)(NRI) Accounts Deposits • Inaam NRI Personal Account • Resident Foreign Currency Team Deposit • NRE Savings Account • NRE Recurring Deposit • NRI Prime Savings Account • NRI-Pro Foreign Currency Deposit • NRO Savings Account. Resident • NRO Rupee Deposit. NRE Rupee Deposit • NRO Recurring Deposit • NRI-Pro Rupee Deposit • Fixed Deposit Plus • Foreign Currency Non- Resident (FCNR) Deposit • Interest Rates on NRI Deposits • • Foreign Currency Account NRE Salary Account Investments Insurance

Product Segmentation of AXIS Bank (Personal)Rural and Agri Accounts • Krishi Savings accounts • Krishi current accounts Loans • Gold Loan • Loans for Horticulture Projects • Loans for Rural Godowns • Tractor Loans • Contract Farming • Warehouse Receipt Loans • Microfinance • Kisan Credit Card Rural banking Financial inclusion

Product Segmentation of AXIS Bank (Business) Accounts Collection solutions Cards Cash management services Capital Market services Government Business Solutions Treasury services Card Acceptance Solution Trade and forex services Internet Payment Gateway Solutions Correspondent banking and FI services Merchant Online Solutions Payment solutions

Product Segmentation of AXIS Bank (Business) contd. (MSME AND CORPORATE FINANCING) Corporate Loans (Turnover > 150 Cr) • Working Capital Finance • Term Loans • Trade Services • Structured Finance • Supply Chain Management • Overseas Transactions SME Loans (Small & Medium Entp. )(Turnover up to 150 Cr) • Customised Credit Services • Fast Track Products • Supply Chain Finance • Other Banking Services Emerging Enterprise Loans (Turnover < 5 Cr) • Solutions for business

Product Segmentation of ICICI BANK

ICICI BANK ICICI Bank is India’s largest private sector bank with total assets of Rs. 7, 206. 95 billion (US$ 109 billion) at March 31, 2016 and profit after tax Rs. 97. 26 billion (US$ 1, 468 million) for the year ended March 31, 2016. ICICI Bank currently has a network of 4, 450 Branches and 14, 393 ATM’s across India. ICICI is sponsor of ICICI prudential mutual fund which is largest mutual fund in India in terms of assert under management. ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary.

Product Segmentation of ICICI Bank. Personal Privilege Wealth Management NRI Corporate Business

Product Segmentation of ICICI Bank. (Personal) Acoounts and Deposits Investment Loans Agri & Rural Banking Cards Internet banking Insurance Mobile Banking

Product Segmentation of ICICI Bank. (Privilege) Accounts & Deposits -Family Banking -Titanium Privilege Savings Account -Credit and Debit Cards -Gold Privilege Savings Account -Loans -Fixed Deposit -Investments -Recurring Deposits -Insurance -Current Accounts -Value Added Services Ps. These are in addition to Personal segment.

Product Segmentation of ICICI Bank. (Wealth Management Products for Personal and Privelege) -Funds & Investments Banking Products -Insurance & Risk Protection -Credit Cards -Investment Advice -Banking Services -Managing Your Investment -Business Banking -Smart Vault

Product Segmentation of ICICI Bank. (NRI) Accounts Loans Investments Insurance Money Transfer

Product Segmentation of ICICI Bank. (Corporate) Commercial Banking • General Banking Investment Banking • • Global Trade Services • • Cash Management Services • • Corporate Internet Banking Investment Banking Mergers and Acquisitions Advisory Group (MAAG) International Syndication Group FI, Capital Markets and Custodial Services Global Markets • Forex Desk • -Capital Markets • -Custodial Services • Financial Institutions • Derivatives Desk • Remittances Through FX Channels Project Finance • Structured Products Technology Finance • Collateralised Trading Services • Treasury Research • Bespoke Services

Product Segmentation of ICICI Bank. (Business) Current account Products • Smart Business Account Trade Services • Solutions for Importers • -Roaming Current Account • Solutions for Exporters • -Trade Roaming Current Account • Solutions for Domestic Business • -Chartered Accountant Current Account • Customized Industry specific solution • -Made 2 Order Account • Useful Trade Links • Treasury services • Research Reports • Bank Guarantee

Product Segmentation of ICICI Bank. (Business)Contd. Advisory Services Industry Specific Loans • Construction • Education Institutions • Pharmaceuticals • Information Technology

Refrences Data from the following websites was used in this project. https: //www. hdfcbank. com/personal/sitemap https: //www. icicibank. com/sitemap. page? tabname=personal https: //www. axisbank. com/sitemap#/ Ps. As many segments sub segments and channels are common minute details have been provided only for HDFC bank. In the interest of saving time and to avoid repetitiveness similar details have been avoided in respect of the other sample banks