Working as a Personal Banker

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IDFC FIRST Bank is a leading private sector universal Bank in India. Our Bank’s vision is to “build a world class bank in India, guided by ethics, powered by technology, and to be a force for social good”. IDFC Bank was promoted by IDFC Ltd (est. 1997) which was a premier DFI renowned for financing India’s infrastructure such as roads, ports, and power projects with a balance sheet of Rs. 75,337 crores. Capital First (est. 2012) was a successful technology led NBFC focused on financing consumer and MSME, with strong track record of growth profits and asset quality with a balance sheet of Rs. 27,351 crores. It has provided over 30 million loans & serves 60,000+ villages, cities and towns in India. Our bank believes in making customer-first products and the first universal bank to offer monthly interest credit on savings accounts, first to announce ZERO FEES on Savings accounts, first to issue life-time free credit cards with no minimum spend conditions, first to offer dynamic and low APR rates, first to announce “never-expiring” rewards points, and many more. Since the merger, the Bank has successfully transformed from an infrastructure and corporate financing institution to a diversified retail led financial institution. Between December 31, 2018, to December 31, 2022: - Current and Savings account Ratio increased from 8.7% to 50.0% - Retail financing increased from 30% to 67% of the funded book - Deposits from retail customers has increased from 17.1% to 71.5% - Balance sheet grown from Rs. 1,56,916 crores to Rs. 2,21,374 crores - Number of branches increased from 206 branches to 707 - ATM network grew from 112 to 867 - Core Operating profits increased from Rs. 1,097 crores Q3 FY19 annualized to Rs. 4,873 crores Q3 FY 23 annualized - Bank maintains high asset quality with gross NPA of 2.96% and net NPA of 1.03% - Retail loans which form majority of the loan book has a gross NPA of 1.87% and net NPA of 0.70%

Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 4,758 domestic branches (including extension counters) with 10,990 ATMs & 5,972 cash recyclers spread across the country as of 31st March 2022. The Bank has 6 Axis Virtual Centers with over 1,500 Virtual Relationship Managers as of 31st March 2022. The Overseas operations of the Bank are spread over eight international offices with branches in Singapore, Dubai (at DIFC), and Gift City-IBU; representative offices in Dhaka, Dubai, Abu Dhabi, Sharjah and an overseas subsidiary in London, UK. The international offices focus on Corporate Lending, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994. The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd., and United India Insurance Company Ltd. The shareholding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003. With a balance sheet size of Rs. 11,75,178 crores as on 31st March 2022, Axis Bank has achieved consistent growth and with a 5-year CAGR (2016-17 to 2021-22) of 14% each in Total Assets & Advances and 15% in Deposits.

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One of the world's largest banking groups by assets, HSBC Holdings owns subsidiaries throughout Europe, Hong Kong and the rest of the Asia/Pacific region, the Middle East and Africa, and the Americas. All told, the company has some 7,500 locations in more than 80 countries. Its activities include consumer and commercial banking, credit cards, private banking, investment banking, and leasing. Its North American operations comprise HSBC USA, HSBC Bank Canada, HSBC Bank Bermuda, and Grupo Financiero HSBC in Mexico.

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