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Financial Services Marketing-Concepts, Challenges & Opportunities
-B.V.Raghunandan,SVS College, Bantwal
Karnataka Bank Staff Training College, Mangalore.
June 25, 2007
Compulsions
Expectation of CorporatesMargin Under StrainNon-Performing AssetsAsset-Liability MismatchCapital InadequacyLimited Investment OptionsRegulated Interest Regime
Banks Are Standing Tall Network of Branches Universal Access Implicit Brand Equity Professional Employees Coverage of Both Urban and Rural Areas ATM s As Channels of Delivery & Business Model Reverse Merger of ICICI into ICICI Bank in 2003
Requirement
Employee Oriented OrganisationA Separate BPO ArmLonger Hours of Work with ShiftsAppointment of ProfessionalsSubsidiaries & Strategic Business UnitsComprehensive Training to Employees on
Financial Markets, Services and Derivatives
Requirement… Continued
Economic ResearchChanged Mindset for Seamless Remittance
FacilitiesA Bigger and Better Lobby for Banking
IndustryMore Freedom In Choosing Activities
Financial Services
DP Services Stock-broking Banker to Public Issue Merchant Banking Credit Rating Venture Capital
Finance Custodial Services
Insurance Services Housing Finance Mutual Fund Lease Finance HP Finance &
Consumer Credit Cash Management
Services Factoring & Forfaiting
Bank as Depository Participant
Branch NetworkPublic’s Faith in the BanksRegulatorsSingle Window for Banking , Stockholding &
Obtaining Bank Finance (Easy Pledging) Brand Equity of the BanksLesser Formalities for Introduction
Bank As a Stockbroker
Professional EmployeesBranch Computerisation & NetworkingSingle WindowEasy Opening of AccountEstablished ClienteleCorporate ClientsEasy Remittances
Banker to Public Issue
Existing ServiceProvided on the Principle of TurnoverEnhances Corporate ContactsPuts Low Cost funds at the Disposal of the
BankAttracts New Customers to the Bank
Functions of A Merchant Banker
Issue of Securities Mergers &
Acquisitions Financial
Restructuring Management of
Investment Trusts Portfolio Management
Loan Syndication Corporate Advisory
Services Custodial &
Depository Services Underwriting Investment Banking
Banks As Merchant Bankers
Economic researchCreation of a Database of Corporates of the
GlobeAppointment of Legal, Managerial, and
Accounting ProfessionalsContinuous Working Out of Scenarios for
Financial Restructuring and M & A
Banks & Secondary Markets
Stock Broking & Commodity Broking
Bonds Trading Stock Lending &
Borrowing Internet Trading Issue of Credit Cards
Custodial Services Lending on the
Security of Stocks Investor Grievances
Cell Auction Site for
Unlisted Shares
Credit Rating
Developing Internal StandardsBasel NormsRating the CustomerProviding the Services to Corporate
Clients
Banks & Venture Capital
Database of Clients Contacts with Various
Industrial Customer Professional Expertise
in Fund management Ability to Provide Any
Financial Service
Contacts With Mutual Funds , Fund Houses and High Networth Individuals
Custodial Service
Sale of GoldExchange Traded FundMutual Funds Investment TrustsCorporate Clients
Bancassurance
Only a Distribution Function Premium Collection Investor Counselling Claim Settlement Customer Relation Almost Acting As a BPO Arm Avoidance of Opening of Branches by
Insurance Companies
Finance
Housing Finance Lease Finance Hire Purchase Credit Card Finance SME Finance Micro finance
Vehicles Finance Consumer Finance Finance for Contract
Farming Finance for Organic
Farming and Full Export Marketing Guidance
Corporate Services
Cash Management ServiceFactoring & ForfaitingBill DiscountingShort-Term Portfolio Management Investment in Markets SeamlesslyExim Market
ATMs-The Super Giant Banker
All the Functions of a Bank A Strategic Model Universal Network Sharing Payment of Utility Bill Reservation of Every Kind Subscription and Redemption of Mutual Fund Units Subscription to Money Market Instruments ? Subscription to Primary market issues ? Purchase and Sale of Shares ?
Challenges
CompetitionRegulation by RBI & SEBICapital Adequacy IT ChallengesProfessional TrainingSystemic ChallengesHR Problems
THANK YOU