Comparative Analysis: Bank Of Baroda

The bank that we have chosen is Public Bank that is located in Ayer Keroh area. In Melaka, the area that the bank is located in Ayer Keroh is considered as the industrial area and also housing area which is not bad at all as it could benefits not only the residents but also the workers that are working in the factories nearby as well. The bank is located in between shops, restaurants and some car services shops as well. There are a lot of parking spaces available almost all the time. The bank is also located near to a main road where the road is also known as “Lebuh Ayer Keroh” (the highway of Ayer Keroh) by the locals that will have a lot of cars passing as this is the road that the

The bank offers a range of financial products and services including personal banking, corporate banking, international business, treasury banking and rural banking. It offers saving account, current account, card products, loan products, online banking, mobile banking, and ATM services. BoB implements Core Banking Solutions in its domestic branches and provides for interbank remittances through RTGS and NEFT. The bank operates internationally through its branches, subsidiaries, joint ventures and associates in the US, UK, Uganda, Kenya, Malaysia, Thailand, China, and Singapore. The bank is headquartered at Vadodara,

Simply, the banks perform financial intermediation with the deposits of the customers/ business and then lending out that money to earn profits. The banking system concern, it plays a vital role in any country economy by encouraging investment activities as well as money savings. Moreover, online baking, providing debit and credit cards, ATM facilities, providing safe custody of valuable items and lockers are some of the facilities provided by banks to make their relationship with the customers more effective and efficient.

The affluent customers of Alpen Bank might be expecting the service, by not offering them the credit card, the firm would lose customers to its competitors

This service provides you with the ability to give your customers cash back rewards for their purchases. You can also accept mobile payments via plastic to mobile card conversion. Additionally, they have automated and manual reloading of card balances based on your preferences. There is a Card Studio website where your customers can purchase personalized gift cards online. And there is a card registration process that protects cards against loss or theft. They also have a merchant-branded customer website with unique card management features.

For this unique Commerce Bank, its customers are categorized as personalizing and convenience customers. The personalizing customers who very enjoy the good and special service experience,

level of competition and prove a potential threat for the market share of SBI bank.

Bank of Melbourne is the local financial institution which located in victoria city of Australia. It was set up in 1989 and re-established in 2011, and it is the subsidiary owned by Westpac. It involves more than 100 branches and 300 ATMs around Melbourne. (“Bank of Melbourne”, 2015) It has perfect regional banking network system, together with Bank of South Australia and St.George. (“Overview”, 2015) The major products of the bank are personal and business banking services. Apart from providing banking services, it is also concerned with local investment and local community welfare. Meanwhile, good suggestions were given in consideration of customer’s decision making. The aim of the company is to deliver better banking experience and satisfy customers’ banking need. This helps the development of businesses and quality of Victorian’s life.

The sector offers a considerable barrier to new entrants due to the high capital required to establish a new bank. As banking is professional services type required high creditability, strong brand presence is the key obstacle for newcomers.

This report compares financial performance of two major banks of UK i.e. HSBC Bank Plc and Barclays Bank Plc on the basis of their Balance sheets and profit and loss accounts for the year 2009. This report also provides SWOT analysis of both banks i.e. HSBC and Barclays Bank Plc and provides an insight into their Banking Strategies.

An overview of the principal types of deposits offered by TD Bank personal, small business, commercial banking and investing and competitiveness of these offerings are the strategic weapons or differentiating product features (quality, price, service), which allow some companies within an industry to perform better than others. Industry standards and regulation often set minimum requirements for the industry an as key inputs to the industry, plays a significant role in determining the success of individual companies within the industry. It is not divergent to the use and adoption of rapidly technological advances, which are keys to every firm’s competitive positioning. In fact TD Bank indicates competitiveness of these offerings is terms of price, quality and service, tracking the competitor’s strengths and weakness. By comparing their strengths to its own clearly see where the threats future business may lie. By examining weaknesses, find direct opportunities capitalize on.

The purpose of Citibank is trying to provide high quality, efficient and personalized service to customers, fully utilize The Bank 's worldwide network and strong purchasing power to improve customer satisfaction on the banks, thereby maintain the loyalty of the bank, establish long-term relationship with the bank, both side get greater benefits in the ongoing business cooperation.

Banking in India originated in the last decades of the 18th century. The first banks were The General Bank of India, which started in 1786, and Bank of Hindustan, which started in 1790; both are now defunct. The oldest bank in existence in India is the State Bank of India, which originated in the Bank of Calcutta in June 1806, which almost immediately became the Bank of Bengal. This was one of the three presidency banks, the other two being the Bank of Bombay and the Bank of Madras, all three of which were established under charters from the British East India Company. For many years the Presidency banks acted as quasi-central banks, as did their successors. The three banks merged in 1921 to form the Imperial Bank of India, which, upon India 's independence, became the State Bank of India.

Only eligible business expenses may be charged to the Corporate; personal purchases are prohibited. All Corporate transactions must be supported by a business purpose and all transactions must be reviewed by a person other than the cardholder. Improper use of the Corporate Card may result in disciplinary action up to and including termination of employment.

“ What is a credit card? ” . “A modern credit card is a rectangular piece of plastic, graphite, or a metallic alloy, that identifies a financial account. All contain a magnetic strip on the back, and some contain an RFID chip. An account number and the owner’s name or business name may be imprinted on the front”(Landes , 2013) . We made a project deals about with credit card. From that project, we got a lot of experience deals with credit cards. “ Why do people used credit cards ?”. “There are 10 reasons to use credit cards ; sign-up bonuses, rewards/points, cash back, frequent-flayer miles, safety, keeping vendors honest, grace period, insurance, universal acceptance, building credit.” (Fontinelle, 2017)Although he told “there has 10 reasons to use credit cards”, we could regard as 4 reasons ; sign-up bonuses, rewards/points, cash back, safety.