1. Presentation on six – weeks industrial training at Standard Chartered Presented By NavdeepKaurBrar (MBA-2A)

2. Chapter-I (Introduction) Company Introduction Founded --1853 Headquarters -- London Key people -- John Peace (Chairman) Industry -- Banking Products – Financial Services Operating Profit -- $15184 m (2009) Profit before taxation -- $5151 m (2009) Employees -- 77326 (2009) Website -- www.standardchartered.com

3. WHAT STANDARD CHARTERED STAND FOR?? Strategic Intent Brand Promise Value Approach - Participation - Competitive Positioning - Customers - People - Communities

4. Standard chartered banking services Personal Banking Consumer Banking Wholesale Banking SME Banking Private Banking

5. Organisation chart of standard chartered Chairman of Board ( John Peace ) Asia JaspalBindra Risk Mgt Rudy Markham Wholesale Banking Mike Rees C FO Richard Medding Peopl Property, Assurance Tim Miller Secretary Anniemarie Durbin) Consumer Banking Steve Bebertamini H R Tracy Clark

6. Organisation chart in case of branch

7. SWOT Analysis 1. Strengths: Good and diverse product . Market position is strong . Maintain a strong as a leading cash management provider. 2. Weakness: Weak Human Resource Management . Have a fewer location .

8. Contd… 3. Opportunities: Scope of opening more Branches . Increasing Banking need. System is so transparent 4. Threat: Competition from major players like HSBC, CITIBANK.

9. financial analysis It is the process of determining financial strength and weaknesses of the firm by establishing strategic relationship between the items of the balance sheet ,profit and losses account and other operative data. Types of financial analysis On the basis of material used On the basis of method of operation

10. The banks selected for financial analysis are:- HSBC Citibank Royal Bank of Scotland Standard Chartered

11. The ranking parameters Growth Size Strength -Quality of assets -Productivity and Efficiency -Quality of earnings

12. Chapter -2 Research methodology Title of study - Comparative Financial Analysis of Standard Chartered with selected Foreign Banks

13. CONTD… Objective of study A Comparison between foreign banks on the basis of selected parameters To Calculate important ratios To Compare selected banks on the basis of these ratios

14. Contd… Research Methodology Research Design: – For this study design followed is Descriptiv Research Design Sampling Design Steps in Sample Design a) Universe-For the study universe is all banks operating in India . b) Population –For the study population is all foreign banks operating in India .

15. CONTD… Sample Unit – For the study sample unit is one foreign bank d) Sample Size - For the study sample size is four foreign banks i.e Standard Chartered, HSBC, Citibank and RBS e) Sampling Technique – For the study sampling technique is judgmental sampling .

16. Data collection Collection of Secondary Data The data have been collected from secondary sources like internet and magazines .The annual reports have been collected from respective sites of banks.

17. Limitations of study Only five years data is taken for the study. The data for 2010 is not available for three banks i.e comparison is not possible. Some more ratios can also be calculated. The research is only a mean but not an end. Limitation of time.

18. Chapter-4 DATA ANALYSIS AND INTERPRETATION Chart no-4.1 Growth in deposits

19. CHART NO-4.2 3-years Cagr of Deposits

20. Chart no-4.3 growth IN LOANS AND ADVANCES

21. Chart no -4.4 3-YEAR CAGR OF LOANS AND ADVANCES

22. CHART NO -4.5 Growth in fee income

23. Chart no-4.6 3-year cagr of fee income

24. Chart no -4.7 growth in operating profit

25. Chart no-4.8 3-year cagr of operating profit

26. Chart no-4.9 size of deposits

27. Chart no -4.10 size of operating profit

28. chart no- 4.11 size of balance sheet

29. Chart no-4.14 total npa growth ratio (%)

30. Chart no- 4.15 npa coverage ratio

31. Chart no-4.16 net npa to net advances

32. Chart no-4.17 cost to income ratio

33. Chart no 4.18 cost to avg asset ratio

34. Chart no-4.19 operating profit per employee

35. Chart no-4.20 change in return on assets (basis point

36. Chart no-4.21 increase in operating profit to total income(%)

37. chart no- 4.22 return on asset(%)

38. Chart no-4.23 fee income to total income (%)

39. Chart no-4.24 return on capital employed (%)

40. Chart no-4.26 capital adequacy ratio

41. Chart no-4.27 ranking of banks in 2006

42. Chart no-4.28 Ranking of banks in 2007

43. Chart no-4.29 ranking of banks n 2008

44. Chart no-4.30 ranking of banks in 2009

45. Chapter -5 results and findings Standard chartered growth in deposits , advances , fee income and operating profit are decreasing in every year. Citibank and HSBC are growing in term of deposits , advances , fee income and operating profit Due to increase growth , size of Citibank, HSBC is increasing. Standard Chartered has good quality of assets as its NPA’s growth rate and total share of NPA’s in total advances are lowest Citibank and HSBC shows high efficiency and productivity.

46. Contd…. Standard Chartered shows highest quality of earning . Standard Chartered shows lowest capital adequacy ratio as compared with other banks . Overall Citibank and HSBC performing better than Standard Chartered and RBS.

47. Suggestions Standard Chartered and RBS needs to improve its growth in terms of deposits, advances, fee income and operating profit. Citibank and HSBC needs to lower down NPA’s growth rate . Standard Chartered needs to lower down its cost and improve productivity of labor. Citibank and RBS needs to improve its quality of earning. Standard Chartered needs to improve capital adequacy ratio. Overall RBS needs improvements in all parameters.

48. THANK YOU