Banking Segmentation - Shreyas jani

Product Segmentation of HDFC Bank

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 Deposits Loans Cards Demat. Account Investment Products Insurance

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

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

Product Segmentation of HDFC Bank (SME) Accounts & Deposits Current Accounts Salary Accounts Saving Accounts Deposits Working Capital Finance Turnover Less Than Equal To Rs 7.5 Crores Turnover Greater Than Rs 7.5 Crores Working capital for Contractors Commercial / Construction Equipment Finance Working Capital Finance to Transporters Term Loan Business Loan

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

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

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

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

Product Segmentation of HDFC Bank. (Wholesale) Financial Institutions India Link Cash Management Services Services to Cash Surplus Corporates Tax Collection Bankers to Rights/Public Issue Forex Desk Money Market Desk Derivatives Desk Custodial Service 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 31st 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 Savings Salary Current Deposits Cards Credit Debit Loans Home Loans Car loans Secured Loans (LAP, LAS) Education Loans Forex Investment Insurance

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

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 Cards Capital Market services Treasury services Trade and forex services Correspondent banking and FI services Payment solutions Collection solutions Cash management services Government Business Solutions Card Acceptance Solution Internet Payment Gateway Solutions Merchant Online Solutions

Product Segmentation of AXIS Bank (Business) contd 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 Loans Cards Insurance Investment Agri & Rural Banking Internet banking Mobile Banking

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

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

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

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

Product Segmentation of ICICI Bank.(Business) Current account Products Smart Business Account  -Roaming Current Account  -Trade Roaming Current Account  -Chartered Accountant Current Account  -Made2Order Account Trade Services Solutions for Importers Solutions for Exporters Solutions for Domestic Business Customized Industry specific solution 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