CaseStudy.co.in» Banking

First Direct: Using customer service to position a business

maddy — Sun, 20 Jun 2010 08:29:25 +0000

Customer service is more important for businesses that provide services rather than physical products. In fact it is often good customer service that wins and keeps customers in the first place. Many service industries provide essentially similar products. For example, all hotels provide accommodation and most offer food as well. All banks offer customers current and savings accounts. It can be difficult to differentiate between service products. They have intangible qualities. This is why it is important to ensure that customers have a good experience.
first direct is a division of the HSBC Bank. It provides a range of banking services, offering customers products such as current accounts, credit cards, savings accounts, insurance and loans. What is different is that first direct does not have a branch network.
This case study shows how the online bank first direct positions itself in the retail banking sector. It illustrates how customer service has become a key factor in helping the bank to differentiate its offer to customers in a competitive market.
Read more….

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Banking Sector Reform and Economic Growth : Case study of the South Korean banking sector reform

anand.devasthali — Mon, 08 Feb 2010 06:26:44 +0000

South Korea experienced a financial crisis in 1997 after more than 30 years of fast eco-nomic growth. During the crisis its gross domestic product (GDP) decreased sharply and many enterprises went bankrupt. The stated-owned banks in South Korea suffered huge losses and investors lost confidence in investing in the South Korean financial market. One result of the crisis reveals the weakness of the South Korean economy- government intervention in the banking sector.

This paper provides the reason for the financial crisis in 1997 in the introduction sec-tion. The following section is a theoretical framework, in which we have presented two macroeconomic models: the Solow model-growth accounting formula and the Ricardo-Viner model. With empirical findings, we show how the South Korean government re-sponded after the crisis with three approaches to banking reform. We include the two macroeconomic models in the analysis of how the three approaches affected the eco-nomic growth in South Korea during the reform process in the analysis section. Finally, we conclude that the South Korean banking sector reform has provided a success and briefly discuss how China should implement the South Korean useful experiences into its ongoing process of banking sector reform. Read more…

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Merger & Acquisition : The Decision Making

suhas.nimbhore — Wed, 06 Jan 2010 09:58:53 +0000

A case study from the Institute of Management, Chennai annual B-School event. The case deals with the decision making of whether to go for the merger and acquisition and evaluating the different parameters before taking a decision…click here to read the case

Suggested Solution for the above case study:
1. Solution (pdf)
2. Solution financials (xls)

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DCB implements Finacle in 89 days: A new record

maddy — Sun, 27 Dec 2009 06:50:03 +0000

DEVELOPMENT Credit Bank (DCB) is a fast-growing private sector bank. It has realised that without a robust technology infrastructure, it is difficult to maintain a competitive edge, and the bank is likely to lose customers to larger private banks.
DCB began looking for a core banking system with a strong track record. Finacle had a host of success stories in large banks. Is this the reason why they chose Infosys’ solution. Read more…

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IBM ING Vysya Bank increase business with storage solution

Kavi — Fri, 09 Oct 2009 14:25:14 +0000

ING Vyasya Bank is offering large vareiety of banking services which includes retail banking, treasury banking,corporate banking. ING Vysya has been the pioneer in adoptiong the strong IT support for smooth banking operations. Because of its wide spread pressence in the banking services it has a large database of the customers which figures around 1.5 million. Thus ING had a great time consuming activity to keep the data updated and reduce redundancy. IBM provided ING with a storage solution which resulted in increased business for ING. Click on the kink below to know how? … read ahead

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Bank Deposits: A Black Belt Case Study

Kavi — Fri, 09 Oct 2009 13:46:57 +0000

This is a black belt online banking case study. This is a classic case study dealing with the application of DMAIC methedology for Deposit Process of a Bank,which is an on line process. It includes data and causes,Additional findings and Project conclusion…read ahead

CDO Modeling Case Study

admin — Wed, 07 Oct 2009 13:17:43 +0000

Collateralized debt obligations (CDOs) are a type of structured asset-backed security (ABS) whose value and payments are derived from a portfolio of fixed-income underlying assets. CDOs are assigned different risk classes, or tranches, whereby “senior” tranches are considered the safest securities. Interest and principal payments are made in order of seniority, so that junior tranches offer higher coupon payments (and interest rates) or lower prices to compensate for additional default risk….click here to read more

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First Indian CDO

admin — Wed, 07 Oct 2009 01:14:24 +0000

Though securitisation has been in place in India over last 6 years or so, there has been no CDO/ CLO.There have been several loan sales by financial institutions.
ICICI’s CDO (roadshows started in Feb second week) is the first CDO/ CLO in India. Called Indian Corporation Collateralised Debt Obligation Fund. It is a balance sheet CDO, consisting of a pool of bonds, PTCs held by ICICI. Capital relief could not be the purpose: if capital regulations as in BIS are applied, the deal will lead to capital erosion.In terms of the distribution schedule, it is essentially a passthrough structure – reinvestments only if bondholders opt for growth plan. The case study talks about CDO and the first Indian CDO in brief … click here for details

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Streamlined global wire-transfer system-HP

admin — Wed, 07 Oct 2009 00:46:18 +0000

Increase the operational efficiency of the wire-transfer process by making it faster and more efficient, and enhance international wire-transfer capabilities.HP Services implemented and supports an HP NonStop Payments solution based on HP NonStop Servers and incorporating payment processing software from Software Integrators and online wire-transfer initiation software from Lighthouse Systems.Streamlined, high-speed processing environment for customer’s domestic and international wires,improved transaction turnaround and quality,better payment routing and system security,faster end-of-day processing, with potential for 24×7 availability,met or exceeded all service-level agreements for availability, performance, and stability were some of the IT improvements that came about. Refer to entire case

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Building Global Banks: A Comparative Analysis of European Banks Over Time

admin — Tue, 29 Sep 2009 15:15:16 +0000

The purpose of this study is to analyze how European banks have developed from 2003 to 2007. Five European banks served as case studies to analyze their growth through qualitative and quantitative methods using a descriptive rectangle model based on financial statement framework.

gupea.ub.gu.se/dspace/bitstream/2077/20864/1/gupea_2077_20864_1.pdf” target=”_blank”>complete case