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1010_Comparative Analysis Icici Bank Hdfc Bank PART B
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Transcript of 1010_Comparative Analysis Icici Bank Hdfc Bank PART B
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(INTRODUCTION OF TOPIC)
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The topic of COMPARISION BETWEEN ICICI AND HDFC BANK: Banking is the
backbone of a modern economy. Health of banking industry is one of the most important pre-
conditions for sustained economic progress of any country. The world of banking has
assumed a new dimension at the dawn of the 21st
century with the advent of tech banking,
thereby lending the industry a stamp of universality. In general, banking may be classified as
retail and corporate banking. Retail banking, which is designed to meet the requirements of
individual customers and encourage their savings, includes payment of utility bills, consumer
loans, credit cards, checking account balances, ATMs, transferring funds between accounts
and the like. Corporate banking, on the other hand, caters to the needs of corporate
customers like bills discounting, opening letters of credit and managing cash.
The Indian banking scene has changed drastically with the private sector making
inroads in an area hitherto dominated by large public sector banks. Growing disinvestment is
likely to impact the banking industry as well. There is every possibility of privatization of
public sector banks, leading to greater operational autonomy.
The development of the Indian banking sector has been accompanied by the
introduction of new norms such as Income Recognition and Capital Adequacy, by the
government. The latter implies that banks can lend on the basis of their respective capital
base. These norms have caused banks to construct equity on their own, before going in for
debt. Disintermediation is a real threat for banks. Of late, banks are adopting the EVA
(Economic Value Added) concept wherein revenues are viewed in the context of the risk
associated with them.
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The New World order has ensured "Survival of the Fittest". New services
are the order of the day, in order to stay ahead in the rat race. Banks are
now foraying into net banking, securities, consumer finance, housing
finance, treasury market, merchant banking and insurance.
RESEARCH METHODOLOGY
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Research methodology is a systematic way, which consists of series of action steps, necessary
to effectively carry out research and the desired sequencing to these steps. The marketing
research is a process of involves a no. of inter-related activities, which overlap and do rigidly
follow a particular sequence. It consists of the following steps:-
Formulating the objective of the study Designing the methods of data collection Selecting the sample plan Collecting the data Processing and analyzing the data Reporting the findings
Ob ective o Stud
Research Desi n
Sam le Desi n
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OBJECTIVE
To stud of market share in banking sector of ICICI and HDFC. To study the consumer satisfaction with ICICI and HDFC. To know about the is the position of ICICI bank in market. To analyze the decision making process of the consumers.
.
Data Collection
Data Anal sis
Re ort o indin s
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RESEARCH DESIGN
Research design specifies the methods and procedures for conducting a particular study.
A research design is the arrangement of conditions for collection and analysis of the data in a
manner that aims to combine relevance to the research purpose with economy in procedure.
Research design is broadly classified into three types as
Exploratory Research Design Descriptive Research Design Causal Research Design
I have chosen the descriptive research design.
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DESCRIPTIVE RESEARCH DESIGN:
Descriptive research studies are those studies which are concerned with described the
characteristics of particular individual.
In descriptive as well as in diagnostic studies, the researcher must be able to define clearly,
what he wants to measure and must find adequate methods for measuring it along with a
clear cut definition of population he want to study. Since the aim is to obtain complete and
accurate information in the said studies, the procedure to be used must be carefully planned.
The research design must make enough provision for protection against bias and must
maximize reliability, with due concern for the economical completion of the research study.
SAMPLE DESIGN
A Sample Design is a definite plan for obtaining a sample from a given population. It refers to
the technique to the procedure adopted in selecting items for the sampling designs are as
below:
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SAMPLE SIZE
Sample method Survey period
SAMPLE SIZE: The substantial portions of the target customer that are sampled to achieve
reliable result are 50.
The cost and time limitation completed me to select 50 respondents as sample size
SAMPLING METHOD:
In this marketing research project, I am using Random sampling method
SAMPLE DESIGN
As complete enumeration of all the members of the population (Member and Non-member) I
have understate sampling technique.
SAMPLE SIZE 200 Customers
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SAMPLE TYPE
AREA SAMPLING
Sample area
Lucknow
SAMPLE SELECTION
Simple random selection sampling
SAMPLE TECHNIQUE
I have taken the Statistical tool of percentage method to analysis and interpretation of the
collected data.
RANDOM SAMPLING:
A random sample gives every unit of the population a known and non-zero probability of
being selected. Since random sampling implies equal probability to every unit in the
population, it is necessary that the selection of the sample must be free from human
judgment.
There is some confusion between the two terms random sampling and unrestricted
random sampling. In the latter case, each unit in the population has an equal chance of being
selected in the sample. Such a sample is drawn with replacement, which means that the unit
selected at each draw is replaced into the population before another draw is made from it,
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As such, a unit can be included more than once in the sample. Most statically theory relates
to unrestricted random sampling. In order to distinguish between these two sample. I.e.
sample, without replacement and sample with replacement, the terms sample random
sample and unrestricted random sample are used. If the latter is devised in such a manner
that no unit can be included more than once, it will then be known as the simple random
sampling.
It may be noted that while both sample random sampling and unrestricted random sampling
give an equal probability to each unit of the population for being included in the sample,
there are other sample design too which provide equal probability to the units. The process of
randomness is the very core of simple and unrestricted random sampling. The selection of a
sample must be free from bias, which can be ensured only when the process of selection is
free from human judgment.
COLLECTION OF DATA
DATA COLLECTION
The study was conducted by the means of personal interview with respondents and the
information given by them were directly recorded on questionnaire.
For the purpose of analyzing the data it is necessary to collect the vital information. There are
two types of data, this are-
Primary Data
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Secondary dataPRIMARY DATA:-
Primary data can be collected through questionnaire. The questionnaire can be classified into
four main types.
Structured non disguised questionnaire Structured disguised questionnaire. Non structured non disguised questionnaire Non structured disguised questionnaire.
For my market study, I have sleeted structured non-disguised questionnaire because my
questionnaire is well structured, listing of questions are in a prearranged order and where the
object of enquiry is revealed to the respondents.
To making a well-structured questionnaire, we have adopted three type of questions-
Open ended question Dichotomous questions Multiple choice questions
These types of questions are easy to understand and easy to give required answers.
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SECONDARY DATA:-
Secondary data means data that are already available i.e. they refer the data which have
already been collected and analyzed by someone else. When the researcher utilizes
secondary data, than he has to look into various sources from where h e can obtain them, in
this case he is certainly not confronted with the problems that are usually associated with the
collection of original data. Secondary data may either be published data or unpublished data.
Usually published data are available in:
Various publications of the central, state and local government; Various publications of foreign government or of international bodies and their
subsidiary organizational;
Technical and trade journals;
Books, magazines and newspapers;
Reports and publications of various associations connected with business sanindustry, stock exchanges etc.;
Reports prepared by research scholars, universities, economists etc; Public records and statistics, historical document and other source of published
information.
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The source of unpublished data are many; they may be found in diaries, letters, unpublished
biographies and autobiographies and also may be available with scholars and research
workers, trade associations, labor because and other public private individuals and
organization.
COLLECTION TECHNIQUE:
Questionnaire method is used in collection the data.
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DATA ANALYSIS
DATA PROCESSING AND ANALYSIS
Processing & Analysis the collected data: - once the field survey is over and questionnaire
have been received, the next task is to aggregate the data in a meaningful manner. A number
of tables are prepare to bring out the main characteristics of the data. The researcher should
have a well thought out framework for processing and analyzing data, and this should be
done prior to the collection. it includes the following activities
(i) Editing: the first task in data processing is the editing. Editing is the process of examining
errors and omissions in the collected data and making necessary corrections in the same.
(ii) Coding: coding is the procedure of classifying the answer to a question into meaningful
categories. Coding is necessary to carry out the subsequent operations of tabulating and
analyzing data. If coding is not done, it will not be possible to reduce a large number of
heterogeneous responses into meaningful categories with the result that the analysis of data
would be weak and ineffective, and without proper focus.
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(iii)Tabulation: tabulation comprises sorting of the data into different categories and
counting the number of cases that belong to each category. The simplest way to tabulate is
to count the number of responses to one question. This is also called universal tabulation. The
analysis based on just one variable is obviously meager. Where two or more variables are
involved in tabulation, it is called bivariate or multivariate tabulation.
(iv) Analysis: after the all three above steps, the most important step is analysis
of the data. Under this step, they can use the various tools of the analysis
such as Central Tendency, Dispersion, Correlation co-efficient, Regression
Analysis, Test of Hypothesis etc.
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Are you having an bank account?
(Figure-1)
1- 70%
0
10
20
30
40
50
60
70
YES NO
70
30
VALUES IN
NUMBER
YES OR NO
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From which bank you have account?
(Figure-2)
1- 38% Bank name of ICICI.
2- 12% Bank name of HDFC. 3-20%Bank name of other.
0
5
10
15
20
25
30
35
40
ICICI HDFC Other
38
12
20
VALUE IN
NUMBERS
BANK NAME
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Do you think that Bank is giving a good return?
(Figure-3)
1-32%Bank giving a yes return.
2- 68%Bank giving a no return.
0
10
20
30
40
50
60
70
YES NO
32
68
VALUES IN
NUMBER
YES OR NO
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Are you planning to get account or loan from any company?
(Figure-4)
1-
0
10
20
30
40
50
60
70
YES NO
36
64
VALUES IN
NUMBER
YES OR NO
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In which company are you looking to invest?
(Figure-5)
1-
0
5
10
15
20
ICICI HDFC Other
20
15
12VALUES
IN
NUMBER
COMPANY'S NAME
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If get an opportunity in future would you like to be get attached with ICICI
Bank?
(Figure-6)
0
10
20
30
40
50
60
70
80
90
NO YES
17
83
VALUES IN
NUMBER
YES OR NO
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RECOMMENDATIONS
ICICI Bank and HDFC bank has to improve its brand image, i.e. it has to positionitself in the minds of prospects in a better way in comparisons to others.
It should provide better career opportunities for the retention of its potentialadvisors.
Further it has to provide training to its recruited advisors by good and efficienttraining methods, which might be a little bit customized if needed.
It should more emphasize in advertising, as it is the most powerful tool toposition ant brand in the mindsets of customers.
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It should provide online training and for those who are in jobs and want tobecome advisors ICICI should provide evening training classes, so that they can
join the training after doing there jobs.
CONCLUSION
Banking is also now being regarded as a versatile financial planning tool. Research
indicates that Indians have four basic financial needs during their life asset accumulation
(such as buying a house or car), protecting their family, securing their childrens
education, and provision for their retirement.
India being a country having a huge population of around one billion people with only
32% of the banking population in India possessing banking the country has a vast
potential, which has been left untapped till now.
For Banking company Banking advisors are the lifeline and a very huge asset so each
company try to recruit and select a potential force of Banking advisors because this is
the advisors who generate maximum business for the Bank . Banking advisors provide a
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very strong support to the Bank and do sall possible efforts to generate huge amount of
profit to the company and for him.
BIBLIOGRAPHY
BOOKS:
Kothari, C.R, Research Methodology, New delhi, Vikas Publishing House PVT LTD.2007
ICICI and HDFC brochure of advisors Recruitment.
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QUESTIONNAIRE
PERSONALDETAILS:
Name Mr./Mrs./Miss__________________________
Address____________________________________
___________________________________________
Phone No. __________________________________
Email ______________________________________
Occupation
a) Government Employee b) Private Employee
c) Self Employed d) Student E) Housewife
Your monthly household income
a) Less than 15000 b) 15001-25000 c)25001 and above
Please give some references of people who you know are trading/investing in stocks:
1. _________________________________2. _________________________________
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Q1. Where do you open a account?
ii. ICICIiii. HDFCiv. Any other.
Q2. Which bank is more secure?
i. ICICIii. HDFCiii. Other
Q3. Which banks give more return?
i. ICICIii. HDFCiii. Other
Q4. Are you satisfied with services of bank?
i. Yesii. No
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Q5. Your open account decisions are influenced by
i. Oneselfii. Brokeriii. Market Researchiv. Friends/Relativesv. An other
Q6. Are you satisfied with company services?
i. Yes ii. No
Q7. What are the factors which you considered before opening account in a particular
bank?
i. Financial Positionii. Current Market Positioniii. Goodwilliv. Future Prospectsv. Any others.