27-11-2012, 02:45 PM
Bank Financials and Statistics
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INDUSIND BANK :AN INTRODUCTION
Formally inaugurated in April 1994
IndusInd Bank derives its name and inspiration from the Indus Valley civilization
Started with a capital base of Rs.1,000 million
Rs.600 million was raised through private placement from Indian Residents while the balance Rs.400 million was contributed by Non-Resident Indians.
The bank recently came up with thepunchline
Currently has an impressive CASA share of 28% and ranks 5th among the private sector banks.
PRICE
Open and account at just Rs 1 and get an ATM card at Rs 25 only in Indus Small Account
Open the account with a minimum deposit of Rs.11/- only in Indus Young Saver Account.
In Indus Exclusive for Individuals
Air accident insurance - Rs. 30,00,000/-
Lost Card Liability in case of misuse - Rs. 3,00,000/-
Purchases made using the card are protected against fire and theft - Rs. 50,000/-
In Senior Citizen Scheme 0.50% more interest rate is given.
PLACE
Branch Network increased to 400 in Fy12
692 ATMs spread across 270 geographic locations of the country
Physical presence of the bank has increased the awareness among consumers.
“IndusInd Bank Receivables Management” has empowered its customers to outsource the entire accounts receivables with a coverage of more than 3000+ locations (155 own locations & correspondent bank arrangements) to cater their all business collection products.
PHYSICAL EVIDENCE
Physical evidence is the material part of a service. Strictly speaking there are no physical attributes to a service, so a consumer tends to rely on material cues.
Internet/web pages
Paperwork
Brochures
Business cards
The physical evidences also include signage, reports, punch lines, other tangibles, employee’s dress code etc.
Signage: each and every bank has its logo by which a person can identify the company. Thus such signage's are significant for creating visualization and corporate identity.
Tangibles: bank gives pens, writing pads to the internal customers. Even the passbooks, cheque books, etc reduce the inherent intangibility of services.
Punch lines: punch lines or the corporate statement depict the philosophy and attitude of the bank. Banks have influential punch lines to attract the customers.
DISTRIBUTION CHANNELSBranches & ATMs:
The products and services of IndusInd Bank is distributed through the network of 400 branches and 692 ATMs.
Indus Online: It creates an online platform in order to respond to changing customer needs. It provides transparency and online 24X7 access.
Indus Mobile Banking: It provides different services like Daily Balance Update, Alerts on debit & credit Transaction, Maturity information alerts.
Customer Care Centers