I have done this project at KSBL H>O> Hyderabad.

1. Bringing industry, finance & people together.

2. “ Wealth Management Business & Comparative analysis of structured products with other products”. By: Atul Abhiseck Singh. Registration No: 08/016.

4. 1979 1985 1990 1993 1995 1997 2000 2001 2003 2004 Inception Corporate Registry Services Stock Broking Services Financial Products Distribution Corporate Financial Services Depository Services IT Enabled Services Personal Finance Advisory Services Debt Market Services Karvy Global Services 2005 PCG group of Hongkong has taken 20% stake in KSBL JV with Australian Computershare 2008 Largest financial product distributor.

6. Primary research Global wealth models Savings & Investments Industry statistics Secondary research program Market Context Competitive dynamics Customer preferences Forecasts Macro Economics. Retail Invsts. Wealthy Individuals & their assets. Trends Best practices Structured products Service offerings Distribution Financial planning Product & Services Sophistication Retail savings & Invsts. Wealthy Individuals & their assets

8. Wealth Management Process from a Client Advice Heritage Wealth Management Process from a Product-Driven Heritage Advice oriented Product oriented Private banks; Trusts Assets managers Brokers Client advisory driven Objective setting Asset allocation Product selection Trading Product driven

11. " To cater to the unique needs and requirements of the mass affluent by providing complete financial solutions and thereby enabling them to transform their dreams into reality.” Our Vision:

14. After we acquire a client we follow the 4 stages: Seamless Execution Plan Process Pre-Plan Interaction Actual Plan Making Product specific recommendation through research support Follow-Up

17. Stage 3 Plan Process Pre-Plan Interaction Actual Plan Making Product specific recommendation through research support Follow-Up Real Estate Tax Planning Mutual Funds Insurance Commodities F&O Equities Research support

19. KARVY FINANCIAL PLANNING Wealth management services Portfolio management services Private banking services Have a wholesome meal! Here lies the difference

21. Service Offering Fees Charged Remarks HSBC Bank WMS/ Need based Financial planning/ PMS None Relationship based business. Focus on banking, financial & Insurance products. PFP focus missing. ICICI Bank Private banking/ WMS None Relationship based business. Focus on pushing banking, financial & insurance products only. PFP focus missing. ABN Amro Bank WMS/ Preferred banking None Retail customers are not targeted; Clients with investible surplus >30 lakhs only. Focus on baking & financial products. Main focus on MF. PFP focus missing . HDFC Bank Private banking, Recommendation on Equity, MF & Insurance None Equity, DP, MF & F&O products pushed & recommended. PFP Focus missing.

22. Service Offering Fees Charged Remarks Kotak Securities WMS None Relationship based business. Focus on banking, financial & Insurance products. PFP focus missing. Citibank WMS None A/c holders targeted, relationship based business, focus on banking, financial & Insurance products. PFP focus missing. Religare PMS Performance Linked DP,MF, Equity, Commodities, Derivatives. Portfolio management based on risk profiles. No PFP Focus. Deutsche Bank Private Banking/ PFP None Relationship > Rs.5 Lakhs; RM- single touch point; MF & Insurance products & recommendations offered; Consolidated gain/loss statements provided. However part of PFP focus missing due to lack of goal setting. Allegro PFP Rs. 10,000-20,000 RMs handle clients; analytical & solution driven approach for PFP.

24. 100%. 80%. 20%. 65%. Performance Linked Component. Fixed-Income Component. Fixed-Income Component. Performance Linked Component. According to the market evolution. Guranteed. Returns: It varies according to the performance of the underlying assets.

26. Comparison of Structured Products with other Traditional Products. Basis of Comparison/ Products. Structured Products. Equity Shares/Stocks. Mutual Funds. Debts/FD/NSC/KVP. Bank Deposits. Alternative Investments. Investment Objectives. Capital Protected and better return than other Investments. To get maximum /highest return in quick time. To get high return in respect to Bank Deposit and NSC etc. Capital Security and Good return, whether market is favorable or not. Lowest Return But Capital Safe. In Future Investment Value will rise or to have Capital Gain. Risk Profile. Capital Protected if held till Maturity, So No Risk. Highly Risky due to dependency on capital and stock market. Risky, NAV Depends on Market Fluctuations. No Risk. No Risk. Somewhat Risk is there, especially in Gold Investment. Time Horizon. Lock in period is there. Full Tenure For Capital Protection and return. No Lock in Period in Existing one, but yes in New issued ones. Lock in Period is there in Close ended funds. No Lock in Period, But Return Differs. No Lock in Period. No Lock in Period. Profiles of Investors. Mostly HNIs All Clients, But for those who take high risk and want better and sooner return. Individuals who want to take less risk and better return than normal savings. Who don’t want to take risk and wants good return than normal savings. Normal No Risk taker Investors. HNIs who takes some risk on future predictions of market. Future Outlook. Huge, Research Analysts Predicting $ 180 Billion market Pretty well, but investors are more averse to it right now Good for individuals, small Investors, market growing at 26 %annually Somehow Stagnant Still Growing High Growth future Prospects

29. Among the Top 3 Depository Participants Amongst the Top 5 Stock Brokers Largest Network of Branches & Business Associates ISO 9002 certified operations by DNV Adjudged as one of The Top 50 IT Users in India by MIS Asia Full fledged IT driven operations Largest Independent Distributor for Financial Products Amongst Top 10 Investment Bankers India’s #1 Registrar & Securities Transfer Agent

31. Looking forward to making you financially successful.

33. Thank YOU