Analysis Of Banking Industry On The Basis Of 7ps And Swot: Vedansh Jain Shish Kant

Analysis of banking industry on the basis of 7Ps and SWOT

Vedansh jain Roll No 56

Shish Kant Roll No 48

Banks 1

AXIS Bank

2

YES Bank

3

KOTAK MAHINDRA Bank

Analysis on 7Ps basis

Product Banking and Savings Corporate and Institutional Investments and Insurance Loans and Borrowings

Price Depend on Govt. and RBI BPLR

Place

827 Branch 3595 ATM 17 state in India

123 Branch Future Target 2015 is 3000 ATM across country

spread in 82 cities in India 217 branches spread acrossover 800 ATMs

Promotion Advertising Print media Publicity Sales promotion Personal selling Telemarketing

People

14000 employee base

3150 employee

9800 employee

Process Standardization Customization Number of steps Simplicity Customer involvement

Physical evidence Internet/web pages Paperwork Brochures Furnishings Business cards building Signage Financial reports Tangibles Punch lines Employee’s dress code

SWOT Analysis

 

Opportunities

Threats

Strengths

  Offensive make the most of these  

Adjust restore strengths

Weaknesses

  Defensive watch competition closely  

Survive turn around

AXIS Bank •Support of various Promoters •Strong technology •Total Deposits Rs 1,17,374 crore •Net Advances Rs 81,557 crore •Net NPA 0.35% •Capital Adequacy Ratio 13.69%

•Not having Image UTI (fraud) •Higher cost •Customer service •Market Capitalization Very Low

S W O T •Large retail and corporate market •Wide scope in rural India •Other Activity (Non Banking Activity) •People are become more service oriented

•Capital Market slow-down •Rising Rates •Future Market Trends •Government Rules And Regulation

YES Bank •Robust Rewards And Recognition Strategy •Strong technology, Well capitalized •Total Deposits Rs 1,61,694 million •Net Advances Rs 124,031 million •Net NPA 0.33% •Capital Adequacy Ratio 16.6%

•Very wide market •Other activity(insurance, stock broking, mutulfund) •Wide scope in rural area

•Less wide network •Not in every state •Less promotional activity •Unknown brand

S W O T •Government Policy •Capital Market slow-down •Rising Rates

K M Bank

•Strong technology •Well capitalized •Comprehensive cash management system •Capturing supply chain businesses •NPA is at 1.30% •Total Deposits Rs 15,645 crore •Net Advances Rs 16,625 crore •Capital Adequacy Ratio 16%

•Low loan and retail penetration •Stressed Asset Business •Plans to invest Rs. 120 crores over three years for infrastructure, technology and personnel

•Wholesale Funding Costs •Latecomers •Less Promotional Activities

S W O T

•Capital Market slow-down •Competition •Rising Rates •Other better Saving, investment option available (like Insurance, Mutulfund, Real-estate, Gold) •Government Rules And Regulation

Thank You