REPORT ON BANKING FINANCIAL SERVICES
SUBMITTED TO- SUBMITTED BY-
Prof. RAVI KISHOR GROUP-7,PGDM (2010-12)
GROUP MEMBER
1) SURESH KUMAR
GABEL
2) PRAKASH RANJAN
SAHOO
3) RICHA SINGH
4) CHAITNYA
5) AMRISH SUKLA
BANKING FINANCIAL SERVICE
1) INDUSTRY OVERVIEW
2) MARKET SIZE
3) NO. OF PLAYERS
4) MARKET SHARE
5) PRODUCT AND SERVICES OF COMPANY
6) LATEST DEVELOPMENT
INDUSTRY OVERVIEW
The banking and financial services sector
has changed dramatically in recent years –
the spread of information and
communication technologies has led to new
and innovative practices throughout the
sector and has also been responsible for
significant restructuring of business. The
future is likely to see the strengthening of a
few major global players and mergers
occurring on an escalating scale, with banks
broadening their scope. Major investment
banks are also now beginning to offer more
traditional commercial banking products
and move into retail brokerage or
insurance. Companies in the financial
services sector work closely with both
individual consumers and corporate clients
to help them meet their financial needs.
BANKING AND FINANCIAL SERVICES CAN BE LOOSELY DIVIDED
INTO THREE SECTORS
The banking and investment sector (includes markets,
investment banking, corporate banking, investment
management, technology and operations).
The accounting and financial management sector
(includes corporate finance and treasury, forensic and
management accounting, corporate recovery, tax, audit
and insurance).
The insurance and financial services sector (includes
regulation, risk, life assurance, insurance, retail banking
and actuarial work).
MARKET SIZE
Assets of the largest 1,000 banks in the
world grew by 6.8% in the 2008/2009
financial year to a record $96.4 trillion
while profits declined by 85% to
$115bn. Growth in assets in adverse
market conditions was largely a result
of recapitalisation. EU banks held the
largest share of the total, 56% in
2008/2009, down from 61% in the
previous year. Asian banks' share
increased from 12% to 14% during
the year, while the share of US banks
increased from 11% to 13%. Fee
revenue generated by global
investment banking totalled $66.3bn in
2009, up 12% on the previous year.
NO OF PLAYERS
The Goldman Sachs
Group, Inc.
JPMorgan Chase & Co.
Morgan Stanley
Citigroup Inc. (branded
Citi)
Bank of America
Corporation
Barclays plc
Lazard Ltd-
Credit Suisse Group AG
Deutsche Bank AG
UBS AG
MARKET SHARE
List of Top Investment
Banks worldwide-
Investment Net Earnings (in
Revenue (in $b) AUM (in $b)
Bank $b)
Goldman Sachs 45.2 13.4 871
JP Morgan Chas 100.4 11.8 1219
eMorgan Stanley 24.74 1.7 779
Citigroup 80.3 (1.6) 556
Bank of America 121 6.3 523
Barclays 31.8 10.3 1379
Lazard 1.53 (0.18) 98
Credit Suisse 31.05 7.9 384
Deutche Bank 25.3 4.96 181
UBS 24 (1.9) 159
PRODUCT AND SERVICES OF COMPANY
Retail- Wholesale-
Business loan Capital raising (Equity /
Cheque account Debt / Hybrids)
Mezzanine finance
Credit card
Project finance
Home loan
Revolving credit
Insurance advisor
Risk management (
Mutual fund
interest rates, commodities,
Personal loan derivatives)
Savings account Term loan
LATEST DEVELOPMENT
Banks offer many different channels to access their banking and other services:
ATM is a machine that dispenses cash and sometimes takes deposits without the need for a human
bank teller. Some ATMs provide additional services.
A branch is a retail location
Call center
Mail: most banks accept check deposits via mail and use mail to communicate to their customers,
eg by sending out statements
Mobile banking is a method of using one's mobile phone to conduct banking transactions
Online banking is a term used for performing transactions, payments etc. over the Internet
Relationship Managers, mostly for private banking or business banking, often visiting customers at
their homes or businesses
Telephone banking is a service which allows its customers to perform transactions over the
telephone without speaking to a human
Video banking is a term used for performing banking transactions or professional banking
consultations via a remote video and audio connection. Video banking can be performed via
purpose built banking transaction machines (similar to an Automated teller machine), or via a
videoconference enabled bank
