Presented To: Presented By: Group 17: Prof. Arindam Das Syed Tabrez - Udit Agarwal - Vaibhav Arora
Presented To: Presented By: Group 17: Prof. Arindam Das Syed Tabrez - Udit Agarwal - Vaibhav Arora
Presented To: Presented By: Group 17: Prof. Arindam Das Syed Tabrez - Udit Agarwal - Vaibhav Arora
COMPANY
OVERVIEW
COMPANY
ANALYSIS FINANCIAL
ANALYSIS AND
DIRECTOR’S
REPORT FUTURE STARTEGIES
ANALYSIS
COMPANY’S OVERVIEW
Headed under the leadership of Mr. Uday Kotak
TYPE : PUBLIC
TRADED AS:
BSE - 500247
NSE - KOTAK BANK
HQ – MUMBAI
NET REVENUE (2017) – 21176 Cr.
BRANCHES IN INDIA
% OF METRO
44%
1369 “KONA KONA KOTAK”
BRANCHES
Subsidiary Companies
% OF BRANCHES IN
NORTH, SOUTH AND WEST 94% 10 •
•
Kotak Securities Ltd
Kotak Mahindra General
Insurance Company
• Kotak Mahindra Capital Company
• Kotak Mahindra Prime Ltd
• Kotak Mahindra Old Mutual Life
Insurance
1985
Kotak Mahindra Finance Ltd.
Commences bill discounting KOTAK’S SNAPSHOT OF 30 YEARS
business
Commences auto finance division
1990 for passenger car
2014
2003
Acquires ING VYSYA BANK
valued at ₹15,000 crore
• Online
Acquisition
• Digital
DIGITAL Payment
• Lending And
FOCUS Services
• Digital
Adoption And
Analytics
Business Model Canvas for Kotak Mahindra Bank
Key Value Customer
Key Customer
Activities Proposition Relationships
Partners/Suppliers Kotak Samridhi Segments
Banking Products
OIFC Privy League Retail
Money Ware Focus on Results
CIMB MyWorld Debit Card
Wealth Management Leadership Corporate
Scotia Bank Social Webpage
Insurance Active Involvement Institutional
Samsung India
Deloitte Key Maximum Challenge Channels Urban
Infosys Resources Entrepreneurial Bank branch Rural
VISA
Effective Human Creativity Home Banking International
Resource Xerago Self Service Devices
Airtel Stable Financial System Internet Channels
Innovation Lab Mobile Channels
Training Centre
P E S T L E
POLITICAL ECONOMIC SOCIAL ENVIRONMENTAL
TECHNOLOGY LEGAL
Strengths Weaknesses
S •
•
Comprehensive Cash Management
System
Innovative Financial Products and diverse
categories
Successful Advertisement and
Marketing Strategy
•
•
•
•
Late entrant to the market
Low rural penetration
Curbing Out of operational and
cultural differences of ING Vysya
and Kotak
W
SWOT
Analysis
Opportunities Threats
O •
•
•
•
Increased RBI and Government
Support
International Banking
Affordable Housing Schemes
MSME Sector funding
•
•
•
Economic Slowdown
Highly Competitive Market
Growing NPAs T
There is a very low barrier to entry in banking
Bargaining power of sector as the government policies are
consumers are high as Potential Entry supportive to open new banks.20 new banks
consumers of Kotak Of New come into existence in last five years itself.
Mahindra bank have Competitors
many options in market. LOW
For example consumers
can easily get a loan from Bargaining RIVALRY AMONG
Bajaj Finserv so Kotak COMPETITORS Bargaining power of
Mahindra bank has to be
Power Of There is INTENSE Bargaining Power suppliers is from
more attractive in their Customers competition between Of Suppliers moderate to high as
them due to low switching MODERATE TO HIGH customers can
offerings to retain their HIGH cost between competitors.
customers choose from
multiple banks as
Potential different banks offer
different Interest
Major revenue model of Banking sector has Development
rates to acquire
strong threats of substitutes from products like e Of Substitute customers. But the
wallets, Mutual funds, Hedge Funds etc. Various Products basic services
payments and processing transfer services such HIGH offered by most of
as Paytm, Mobiwik have started offering the banks is
products which was previously offered by banks. homogenous.
SPACE Matrix
98.69
90.53
86.04
85.64
80.38
76.7
65.24
56.78
52.33
52.22
38.63
29.18
20.99
20.27
19.27
18.53
18.09
17.39
17.07
16.83
16.77
13.17
13.15
13.11
12.69
14.6
5.97
43.49%
39.40%
36.60%
10.46%
6.2
3.27
7.89%
6.90%
2.59%
1.29%
1.52%
6
48%
47%
44%
Company is
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working towards
financial inclusion
03 This is a sample text.
of Rural Areas
through its
02 This is a sample text. program “Bharat”
FUTURE
STRATEGIES
• INTENSIVE
COMPANY COMPANY ANNUAL REPORT STRATEGIES
OVERVIEW ANALYSIS ANALYSIS • DIVERSIFICATION
STRATEGIES
AWARNESS CYBER
CAMPAIGN FRAUD CYBER FRAUD
• Robust preventive mechanism for cyber
Frauds.
• Evolving cyber threats can affect the Kotak
Digital Focus.
AWARNESS
New set of Marketing Mix to
make their brand more visible in
markets BETTER
SEGMENTATION
MERGE SWIFT AND CORE
MERGE
SWIFT AND • The isolation of SWIFT from the
BETTER SEGMENTATION CORE CBS enables the transactions to
• Specific Products for Women go undetected.
• Diversify customer base from • The risks arising from the
metro to Tier-2 cities and rural potential malicious use of the
markets. SWIFT infrastructure.
HAPPY LEARNING
OPEN FOR Q&A