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Marketing In Banking Marketing Articles | January 27 Wholesale NFL Jerseys From China , 2007
Banking has emerged into the world trends of marketing as its interests and demands required more effective, safer and simpler services for customers.

With access to cheaper funds through GDRADR issues, Euro loans etc. big corporations are shying away from bank finance. This trend of disintermediation among corporate has caused the banks to focus on Retail portfolio for growth. Retailing makes sense from Risk Management perspective also since it reduces Concentration Risk. With the focus on Retail Banking, banks are giving market segmentation a serious look to identify the differences between groups of potential customers and to decide which products can be served to which groups.

There are the following groups of banking customers:

Self-Directed Planners. Well educated, slightly above average income Wholesale NFL Jerseys China , seek financial information from variety of sources and retain control of financial matters, frequently use financial products, open to borrowing, accept reasonable risk.

Simplifiers. Less educated, less affluent Wholesale NFL Jerseys , older, do not seek financial advice often, use fewer more basic products, prefer local banks, least open to borrowing Wholesale Jerseys Cheap , tolerate low risk only, not sensitive to price, prefer face to face contact.

Fickle Shoppers. Average income, predominantly non working female, do not seek financial advice Wholesale Jerseys Free Shipping , use fewer more basic products, open to borrowing particularly on credit cards, accept reasonable risk, not so sensitive to price, prefer remote channels ? specifically ATM or telephone banking.

Advice Seekers. Well educated Wholesale Jerseys From China , affluent, predominantly male, seek financial advice, heavy users of financial products, higher transaction frequency Wholesale Jerseys China , tolerate higher risk, very sensitive to price, prefer face to face contact.

When it comes to segmenting industry for lending Small & Medium Enterprises are the current favourites of both banks and RBI. There is increasing talk of banking sector getting transformed from large number of small banks to small number of large banks. The presumption is that there is a definite premium on size. But as long as they have a niche in customer service, small banks will continue to exist and thrive since banking is no assembly line manufacturing and is all about building and fostering customer relationships

Basics of Branding and Corporate Identity making

Posted On : Apr-23-2009 | seen (640) times | Article Word Count : 516 |

A brand is what is left out whenever everything gets burnt down. What a person thinks of a company and its products is the brand image of that company in general. A brand conveys a message; it has got unique character, focuses on distinguishing the company from others in the league. A brand is like a person & it has got a personality. The biggest responsibility for any company is to look after the corporate brand as it makes up half the value of a company. This is why people spend fortunes in corporate identity designs.

A brand is nothing isolated. It works with psycho-sociology mindset. Each brand has its own strategy to capture market. Branding is a continuous effort & sometimes corporate brand name earns more than the assets of that company.

Media communication is a very crucial part in brand communication. The most important fact about brand is that 鈥?each brand has a promise and what is said or promised must be conveyed and kept. In this regard it should be said that not only branding but brand management is also very essential. A brand has to contact in a 360 degree approach Wholesale Jerseys , keeping track of all the possible issues related to it.


Corporate identity is the identification of a company that comes through visual means like company logo, punch or tag line associated with the logo of the company. The impression that is aimed to create on people is created through these communicators like company logo, poster, punch line or any special sign. And how much a customer is concerned about a company depends upon the intensity of the impression that the corporate brand or image creates. So the importance of creating placing, positioning a corporate brand is immense.

Corporate identity is something that tells others about 鈥?br >
飪€ What is the company about
飪€ Who is running the company
飪€ How the is being run or operated

It is the brand image on people that creates the corporate image as a whole. If a company is successful in creating or instilling the desired impression on mass people Wholesale NFL Football Jerseys , then it has no bindings to look behind. No doubt that any company wants to have a good reputation and maintain it. With proper branding it does not consume much time to create a favorable corporate image, where as for some companies it takes decades to achieve that image and reputation.



Some points to remember: