Académique Documents
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Introduction
This is an overall study of the organization of American Express Bank Ltd. where it’s
working environment and various policies and practice are studied.
Objectives:
The study has undertaken to get an exposure of actual working environment in an
organization. The main objective of the study is to familiarize with the frame work
and method of organization working.
• To know how AMEX works and method adopted.
• To know the employee and employer relationship and co-ordination.
• To show up the different product range of AMEX.
• To know the overall development of AMEX.
Methodology:
Conducting personal interview with all the functional manager departmental head and
sales executives. Collect the various data required to the study. Manuals and reports of
the company constituted the source of secondary data.
Limitation:
The following limitation of this internship report:
• The study is limited to the study of whole organization and not on specific
department.
• This study is only subject to an organization and not consist the whole market.
• The study is time bound and would be applicable to current scenario
• It is assumed that the information provided by the company is corrected and
reference is drawn accordingly.
For the past three decades India's banking system has several outstanding
achievements to its credit. The most striking is its extensive reach. It is no longer
confined to only metropolitans or cosmopolitans in India. In fact, Indian banking
system has reached even to the remote corners of the country. This is one of the main
reasons of India's growth process.
The government's regular policy for Indian bank since 1969 has paid rich dividends
with the nationalisation of 14 major private banks of India.
Not long ago, an account holder had to wait for hours at the bank counters for getting
a draft or for withdrawing his own money. Today, he has a choice. Gone are days
when the most efficient bank transferred money from one branch to other in two days.
Now it is simple as instant messaging or dial a pizza. Money have become the order
of the day.
The first bank in India, though conservative, was established in 1786. From 1786 till
today, the journey of Indian Banking System can be segregated into three distinct
phases. They are as mentioned below:
• Early phase from 1786 to 1969 of Indian Banks
• Nationalisation of Indian Banks and up to 1991 prior to Indian banking sector
Reforms.
• New phase of Indian Banking System with the advent of Indian Financial &
Banking Sector Reforms after 1991.
The General Bank of India was set up in the year 1786. Next came Bank of Hindustan
and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank
of Bombay (1840) and Bank of Madras (1843) as independent units and called it
Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank
of India was established which started as private shareholders banks, mostly
Europeans shareholders.
In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab
National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906
and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian
Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935.
During the first phase the growth was very slow and banks also experienced periodic
failures between 1913 and 1948. There were approximately 1100 banks, mostly small.
To streamline the functioning and activities of commercial banks, the Government of
India came up with The Banking Companies Act, 1949 which was later changed to
Banking Regulation Act 1949 as per amending Act of 1965 (Act No. 23 of 1965).
Reserve Bank of India was vested with extensive powers for the supervision of
banking in India as the Central Banking Authority.
During those days public has lesser confidence in the banks. As an aftermath deposit
mobilisation was slow. Abreast of it the savings bank facility provided by the Postal
department was comparatively safer. Moreover, funds were largely given to traders.
Government took major steps in this Indian Banking Sector Reform after
independence. In 1955, it nationalised Imperial Bank of India with extensive banking
facilities on a large scale especially in rural and semi-urban areas. It formed State
Bank of India to act as the principal agent of RBI and to handle banking transactions
of the Union and State Governments all over the country.
Seven banks forming subsidiary of State Bank of India was nationalised in 1960 on
19th July, 1969, major process of nationalisation was carried out. It was the effort of
the then Prime Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in
the country were nationalised.
Second phase of nationalisation Indian Banking Sector Reform was carried out in
1980 with seven more banks. This step brought 80% of the banking segment in India
under Government ownership.
The following are the steps taken by the Government of India to Regulate Banking
Institutions in the Country:
• 1949 : Enactment of Banking Regulation Act.
• 1955 : Nationalisation of State Bank of India.
• 1959 : Nationalisation of SBI subsidiaries.
• 1961 : Insurance cover extended to deposits.
• 1969 : Nationalisation of 14 major banks.
• 1971 : Creation of credit guarantee corporation.
• 1975 : Creation of regional rural banks.
• 1980 : Nationalisation of seven banks with deposits over 200 crore.
After the nationalisation of banks, the branches of the public sector bank India rose to
approximately 800% in deposits and advances took a huge jump by 11,000%.
Banking in the sunshine of Government ownership gave the public implicit faith and
immense confidence about the sustainability of these institutions.
This phase has introduced many more products and facilities in the banking sector in
its reforms measure. In 1991, under the chairmanship of M Narasimham, a committee
was set up by his name which worked for the liberalisation of banking practices.
The country is flooded with foreign banks and their ATM stations. Efforts are being
put to give a satisfactory service to customers. Phone banking and net banking is
introduced. The entire system became more convenient and swift. Time is given more
importance than money.
The financial system of India has shown a great deal of resilience. It is sheltered from
any crisis triggered by any external macroeconomics shock as other East Asian
Countries suffered. This is all due to a flexible exchange rate regime, the foreign
reserves are high, the capital account is not yet fully convertible, and banks and their
customers have limited foreign exchange exposure.4
INTRODUCTION
American Express Bank has presence in over 150 countries. It is a diversified travel
and financial services company. Established in 1850 in New York, American Express
Company was among the first and most successful express delivery businesses to
arise during the rapid westward expansion of the United States.
American Express India was established in 1921 providing high quality travel and
financial services. American Express in India is the largest company to have wide
network of travel locations in the country. American Express Travels has entered into
a Memorandum of Understanding (MoU) with Department of Post to enable the
designated Speed Post offices in distributing and encashing American Express
Travelers Cheques.
The history of American Express is a fascinating one, filled with interested and
sometimes quirky characters that through a combination of brains, perseverance and
luck shaped the company’s development during the past century and a half.
The express company that forwarded freight and valuables evolved into a company
that created and sold financial products like money orders and travelers cheques.
Following an era of international expansion, the company became an entity perhaps
best known for its charge card. Today, American Express is a global payments
company.
The attributes that today are the hallmarks of the American Express brand trust,
integrity, and security, quality, and customer service -- all have their roots in this
compelling story. In this history, as well, are the genesis and development of the
company's aspiration to become the world's most respected service brand.
American Express Bank is a diversified travel and financial services company. It was
founded in the year 1850. American Express Travelers cell is the world leader.
American Express India was established in 1921 providing high quality travel and
financial services. American Express in India is the largest company to have wide
network of travel locations in the country.
American Express Card division also tops upon other credit card issuer. American
Express Credit Cards in India is of basic two varieties, namely International Gold
Amx Card and International Green Amx Card.
Criteria for availing American Express Gold and Green Cards are as follows:
American Express in India has also launched Tata Finance American Express Credit
Card with Tata Finance Limited which is globally accepted on the American Express
global merchant network. This card is both issued and serviced by Tata Finance
Limited and carries an American Express Blue Box logo at the bottom.
Being the best in the world, and American Express India having the largest network of
travel locations in the country, American Express Travels has also entered into a
Memorandum of Understanding (MoU) with Department of Post. This arrangement
enables the designated Speed Post offices in distributing and encashing American
Express Travelers’ Cheques.
American Express is online in the maximum countries out of over 130 countries it has
services. The URL of American Express India is as under:
www.americanexpress.com/india
SMALL BUSINESS
• Apply for Cards & Financing
CORPORATIONS
• Apply for a Corporate Card
• Corporate Card
• Business Travel
MERCHANTS
• Accept the card
• Manage your Merchant Account
PERSONAL
PERSONAL CARDS
• Apply for a Card
• Membership Rewards
• Benefits
• Shopping
• Gift Cards
TRAVEL
• Flights
• Hotels
• Cars
• Cruises
• Vacations
• Last Minute Deals
• Traveler’s Cheque Cards
INVESTMENT PRODUCTS
We offer a full range of investment products and the highest standard in investment
management. The Private Bank has the flexibility to choose world-class sub-advisors
and investment managers from the world's leading asset management and specialty
fund managers.
CREDIT AVAILABILITY
Secured loans to provide short-term liquidity without disrupting your long-term
investment positions, or to increase your exposures for yield enhancement. You can
leverage your assets in one jurisdiction for use in another, or your personal assets for
your business. Pre-approved loan margins are in place for a wide range of assets.
People can call for the specific loan-to-value percentage for each product.
FIDUCIARY SERVICES
Legal structures to protect your assets ensure your wishes are carried out and secure
the future for you and your family. Fiduciary specialists are available in Europe, Asia
and the Americas to advise you on the structures that will provide protection and
accomplish your objectives.
CHOICE OF JURIDICTION
The Private Bank has offices in all of the major offshore private banking locations.
American Express Private Bank offers access to a wide range of investment products
and services that can help you protect and build your wealth, regardless of your
financial objectives.
SIGNATURE PORTFOLIOS
For individual and institutional investors with $1 million or more, Signature
Portfolios offer professional management and a choice of fixed income, equity or
balanced orientation.
• US Conservative Fixed Income
• US Moderate Fixed Income
• Euro Fixed Income
• Global Fixed Income
• Global Equities
• US Equities
• US Mid Cap Equities
• US Large Cap Equities
• Japanese Equities
• European Equities
DISCRETIONARY PORTFOLIOS
These investments are designed for clients who want globally diversified portfolios
with professional management of asset allocation and underlying products.
BALANCED ENHANCED
• Enhanced Global Conservative
• Enhanced Global Moderate
• Enhanced European Moderate
• Enhanced Global Aggressive
TRADITIONAL
• Traditional Global Conservative
• Traditional Global Moderate
• Traditional European Moderate
• Traditional Asian Moderate
MUTUAL FUNDS
American Express Funds—World folio, American Express—Institutional and World
Express Funds offer a broad range of mutual funds designed to meet individual risk
tolerance and time horizon preferences.
PRIVATE BANKER
Your Private Banker can marshal resources on your behalf and craft solutions to your
individual requirements. Wherever the need may arise, you can have access to the
worldwide capabilities and services of the American Express Company, a global
leader in financial services, travel, and credit and charge cards.
The original card that set the standard for prestige and exclusivity, the Platinum Card
is offered to private banking clients at no annual fee with qualifying balances.
Automatic credit card bill payments can also be arranged through your Private
Banker.
The original card that set the standard for prestige and exclusivity, the Platinum Card
is offered to private banking clients at no annual fee with qualifying balances.
Automatic credit card bill payments can also be arranged through your Private
Banker.
Travelers Cheques are available in most currencies, including the Euro, and can be
purchased through your Private Banker.
The Private Bank has an extensive global network that has grown and developed
throughout the years to meet the needs of our clients. American Express Bank
currently has 75 offices in 38 countries around the world.
DEPOSITS
Traditional and innovative deposit and deposit-alternative products can help you meet
your needs for liquidity and capital. American Express Premium Deposits, available
in most locations in U.S. dollars and Euro, offer an alternative to bank deposits and
are particularly suited to investors who want both security and a competitive rate.
These non-bank deposits are available in terms of 1, 2, 3, 6 or 12 months with
competitive rates relative to the London Interbank Rate, fixed for the term of the
deposit.
• Our investment management solutions are designed to grow your assets while you
achieve your unique financial objectives.
• Maximum flexibility and access to nearly all the major worldwide asset classes
characterize the Private Bank's family of mutual funds.
• Portfolio management by investment professionals who are among the best in
their industry.
• Discretionary portfolios for investors who want globally diversified portfolios and
prefer professional management of their asset allocation and fund selection.
• Alternative investment solutions for sophisticated investors.
• Ideas and information that synthesize research from within and outside of
American Express to assist you in making your investment choices.
Your substantial assets require complex estate planning to ensure that your wealth is
protected and managed for your benefit and for the benefit of future generations.
A variety of structures to choose from, including trusts and private investment
companies, depending on your individual circumstances.
Expert advice to meet your needs for estate planning, tax minimization,
confidentiality, and management continuity and centralization.
• The American Express Bank India offers cards to meet every requirement of
their clients. The American Express Card division stands at the top of all other
credit card issuer. American Express Credit Cards in India is of two varieties-
1. International Gold Amex Card
2. International Green Amex Card
VISION
To become the world's most respected service brand.
.
MISSION
• A logical extension of the Vision Statement is the Mission of the Bank, which is to
gain market recognition in the chosen areas.
• To build sizeable markets share in each of the chosen areas of business through
effective strategies in terms of pricing, product packaging and promoting the
product in the market.
• To promote confidence and commitment among the staff members, to address the
expectations of the customers efficiently and handle technology banking with ease
OBJECTIVES
• Customer privacy
• Customer confidentiality
• Security of customer data
• Customer satisfaction
• Providing high quality services & products
American Express was founded in 1850 by Henry Wells, William Fargo, and John
Butterfield as an express business. In 1882, American Express launched its money
order business to compete with the US Post Office's money orders. This product
quickly spread to Europe where no such financial product existed. Sometime between
1888 and 1890, J. C. Fargo took a trip to Europe and returned frustrated and
infuriated. American Express India was established in 1921 providing high quality
travel and financial services. American Express in India is the largest company to
have wide network of travel locations in the country. American Express Travels has
entered into a Memorandum of Understanding (MoU) with Department of Post to
enable the designated Speed Post offices in distributing and encashing American
Express Travelers Cheques.
W. Richard Holmes has been elected chairman of American Express Bank, Ltd.,
(AEB) American Express Company's international banking subsidiary, based in New
York. He adds this title to his current one of chief executive officer of AEB, a role he
assumed in June, 2000. As chairman, he succeeds James Cracchiolo, who has stepped
down as chairman of AEB to work full-time with the Company to complete the spin-
off of American Express Financial Advisors (AEFA).
Holmes, 52, became president and chief executive officer of AEB in 2000. He joined
American Express in 1996 as managing Director and head of Worldwide Private
Banking, leading that unit through a period of significant expansion.
Holmes has more than 20 years experience in international banking, having served in
various positions at Wells Fargo Bank and at Bank of America. From 1993 to 1996 he
was an executive vice president and head of Bank of America's Private Bank. He
Sergio Masvidal was appointed managing director and Head of the Global Private
Bank, based in Miami, Florida, in 2000. He joined AEB in 1987 as general manager
of American Express Bank International, the private banking arm of AEB. In 1992, he
became president of AEBI and in 1996 he became Latin American region head for the
Private Bank. He has more than 30 years of experience in the banking industry.
Daniel F. Akerson
Managing Director, The Carlyle Group
Charlene Barshefsky
Senior International Partner, Wilmer Cutler Pickering Hale and Dorr LLP
Ursula M. Burns
Senior Corporate Vice President and President of Business Group Operations, Xerox
Corporation
Kenneth I. Chenault
Chairman and Chief Executive Officer, American Express Company
Peter Chernin
President and COO, News Corporation
Jan Leschly
Chairman and Chief Executive Officer, Care Capital LLC
Richard C. Levin
President, Yale University
Richard A. McGinn
Partner, RRE Ventures
Edward D. Miller
Former President and Chief Executive Officer, AXA Financial, Inc.
Steven S Reinemund
Former Chairman and Chief Executive Officer, PepsiCo, Inc.
Robert D. Walter
Chairman and Chief Executive Officer, Cardinal Health, Inc.
Ronald A. Williams
Chairman, Chief Executive Officer and President, Aetna, Inc
American Express Bank Ltd. (hereinafter referred to ‘the Bank’) has a reputation for
customer service and sound compliance.
The Bank has various policies and procedures that govern its business activities and
operations. Further, the Bank has compliance and other internal programs designed to
ensure compliance with laws and regulations of countries where it does business.
This Fair Practice Code (hereinafter referred to as ‘the Code’) for credit card
operations is designed to guide and demonstrate the Bank’s commitment to fair and
ethical management of its business activities operations related to issuance of cards,
customer service and other related activities.
This is a non-statutory code and the Bank shall take efforts to adhere to it during
normal operating environment. The Bank shall not be held responsible for non-
compliance due to force majored conditions and other reasons for which the Bank
enjoys privilege and right over the code.
This code does not in anyway prevent the Bank from exercising its rights and
discharging its duties and obligations under law, regulations, agreement, terms and
conditions, etc. in force and varied from time to time.
BUSINESS ETHICS
The Bank and its employees shall ensure that ethical conduct shall permeate all our
business dealings and relationships.
In a rapidly evolving credit card business, the Bank and its employees shall ensure
ethical conduct in offering products and services, business activities, operations and
customer services. The Bank shall conduct its business in accordance with applicable
laws and regulations.
The Bank has competent individuals managing regulatory affairs and advising
business leaders about compliance requirements.
American Express Interactive (AXPi) drives online business strategies across the
entire enterprise. This means being cohesively integrated into every business unit,
merging service and marketing with leading-edge interactive technologies. Working
with AXPi provides a broad view of our entire organization, as well as the
competitive landscape. It keeps a sharp eye on external indicators and builds strong
internal relationships that allow identifying and responding to all emerging
opportunities. AXPi clearly impacts the bottom line of our global company, with
accountability for developing new ideas and delivering on real results.
MARKETING
The Bank’s advertising and marketing campaigns shall use truthful and whole
statements about Bank’s products and services
The Bank shall ensure that the whole of an advertisement is truthful, shall inform
customers of costs and obligations as well as benefits and features. The
advertisements may not mislead by using tricky or clever wording.
The Bank shall have a Code of Conduct for its agents and others, who sell, distribute
or otherwise market Bank’s card products.
The Bank shall ensure that all agents who sell, distribute or otherwise market Bank’s
ard products have a Code of Conduct for their dealings with prospective customers
and Card members. The Bank shall have monitoring process in place to review the
agent’s compliance to this code, at regular intervals.
Customer Care, which is called Service Delivery Network (SDN), you will become
familiar with our diverse customer base, their needs and expectations, and the
industry-best products and services we provide. The work is about reengineering and
optimizing processes for improved satisfaction and cost containment, as well as
developing operational and network strategies for maximum efficiency. It's also about
selling ideas, creating better solutions and responding to trends. Customer Care is
opportunity to make decisions that impact millions of people around the world, take
ownership for own success, and win for the customer at every occasion.
The Bank shall have effective processes and systems to ensure quality in operations
and customer service.
The Bank shall maintain effective processes and systems to maintain quality in
following card operations activities:
Timely processing for applications and communication of decision to customers
Dispatch of credit card in a secured mode and follow-up communication to inform
about issuance of card
Availability of contact centers such as telephone service centers for customers to
contact for information or queries on products, services and related subjects
Timely dispatch of credit card statements
Timely processing of payments received from credit card customers
Receipt and satisfactory disposition of customer correspondences and complaints
The Bank shall treat customers with respect and dignity during collection efforts.
The Bank has policies and employee training programs to guide employees to exhibit
courteous and fair behavior during collection efforts. The Bank shall ensure that all
collection and recovery agents have a Fair Practice Code for their dealings with the
customers.
The Bank shall have monitoring process in place to review the agent’s compliance to
this code, at regular intervals.
The Bank shall safeguard the privacy, confidentiality and security of customer data
entrusted with it:
The Bank has privacy principles to ensure that the customer information collected is
relevant, accurate and confidential. The Bank has adequate standards to protect
customer accounts and information. These standards allow customers to remove their
names from lists used for mail, telephone and online marketing. All employees shall
be trained in customer privacy principles as appropriate to their work.
In the financial services arena, the Risk, Information and Banking function is the
backbone of our operations. The work is truly global and transcends all aspects of
American Express, including consumer cards, small business services, corporate
services, and our merchant partners. Here, it set the industry standard for managing
risk associated with fraudulent activity, while also providing a strategic perspective,
overseeing the customer information cycle, and leveraging technology in support of
all business units. Because of this scope, Risk, Information and Banking is an ideal
place to get an "end-to-end" understanding of the Company's core businesses and
position yourself for future growth across various departments and geographies.
Finance at American Express plays an integral role in everything from new product
development to corporate planning and reengineering. It is owner, guardian and
analyst of information, making strategic, financial and operational decisions that
impact customers, merchants and shareholders. Work may be focused on a specific
business unit or corporate-wide initiatives, giving exposure to a variety of financial
projects. Either way, work in Finance will make a lasting impact on global customer
base, as it excel on a collaborative, cross-functional team with a mission to be the
world's most respected service brand.
What kind of company should American Express be in five years? That's the kind of
far-reaching question we answer as a member of Strategic Planning Group (SPG). It
serve as an internal consultant and incubator of innovative ideas, spearheading large-
scale strategy projects centered on growth opportunities, investment prospects,
acquisition targets and other high-level initiatives. SPG provides an alternative to
traditional consulting work, offering comparable challenges with a world-class
company without the rigors of constant travel.
The Human Resources team at American Express works in true partnership with our
business clients. It provides service and support throughout the full spectrum of the
employee experience, from selection, hiring and orientation, to leadership
development and talent management. It has the responsibility and opportunity to
communicate messages about the company's global strategy, ensuring that our
professionals are placed in roles and environments where they - and our business units
- will thrive. In short, work will be all about the extraordinary people who make
American Express one of the world's most recognized and respected brands.
STRENGTHS
• Liberal economic system.
• Sound bank managements.
• Improved risk management.
• Diversity in bank funding activities.
• High systemic liquidity.
• Safety of depositors’ funds comes in priority.
• Wide spread developed banking culture.
• A healthy banking system.
• Banking secrecy laws.
WEAKNESS
• Government financing by banks out of acceptable standards.
• Very weak corporate governance.
• Limited branches.
OPPORTUNITIES
• Privatization creates ample opportunities for economic growth.
• Banking Over Borders – extension to regional countries.
.
THREATS
• Presence of nationalized banks.
• Presence of foreign banks.
OBJECTIVE OF STUDY
Customer satisfaction level from present Amex Services and to know other services
customers expecting from Amex Bank.
RESEARCH METHODOLOGY
MARKETING RESEARCH AND ITS METHODOLOGY:
B. Qualitative Research
D. Questionnaires
SCOPE OF REPORT
The scope of this report is limited up to services provided by Amex Bank not by other
banks. These reports just show the level of customer satisfaction from Amex Services
and at the same time new product which customer is expecting from Amex
LIMITATIONS
Each and every project report or research carried out has some limitations, be it times
constraints or any other such issues that invariably, plagues the result. It is always
important to indicate the limitations of the project carried out so the evaluator is in the
position to evaluate out the project.
Further it also helps the end users of the report to interpret the results in more valid
and realistic manner. It has an advantage from the researchers stand point of giving
ample confidence in the research conducted and the research presented.
The project submitted would definitely suffer from some limitations were:
• Time constraints
• Key personnel
• To reach every client
It is important to mention that it was difficult to catch hold of key personnel. Often
the top rank officials did not have sufficient time to provide information they always
seemed to have to attend some meetings or conferences.
Remittances 5 50 10%
Draft facilities 18 50 36%
Foreign exchange 28 50 56%
services
Investment products 23 50 46%
40
35
30
25
20 40
15 28
23
10 18 16
5
5
0
Saving/Current Remittances Draft facilities Foreign Investment Other services
A/C exchange products
services
Series1
ANALYSIS
Some customers use Draft & other services like financing. Few customers use
remittance services. Draft & financing services has higher charges and moreover
AMEX has limited branches.
Convenience
10% Others
6%
Interest rate &
services
4%
Quality of services
52%
Customer
interaction
28%
Quality of services Customer interaction Interest rate & services Convenience Others
ANALYSIS
More than 50% customers choose their bank on the basis of quality of services.
Customer interaction is also a strong base for choosing the bank for their services.
AMEX Bank provides quality services to their customers.
Not satisfied
18%
Satisfied
82%
This research was made on customer satisfaction of American Express bank. The
Amex is one of those banks who serve its customers in the best way and also give due
consideration to its customer service. Maximum clients who have their Corporate
Accounts or individual Account with Amex are satisfied with its services. Amex
provides all the modern services to its customer.
But there are also few customers who are not satisfied or expect more services from
the bank.
• Demand draft facility which is a basic customer satisfying service is not available
in many cities.
• Few customers have confusion on charges that are charged on their accounts.
• Maximum customers feel that the service & products provided by bank are very
good & they are satisfied with it.
• AMEX Bank provides quality services to their customers & customers choose
bank on the basis of quality of services and customer interaction.
• Need to clarify customer for the charges that are being charged on their account
without clarification.
• Need to have a stabilized banking staff to co-ordinate with customer from time to
time.
American Express Bank provides different types of products & services to customers.
The main objective of Bank is customer satisfaction, privacy & confidentiality. It
provides quality services to their customers. Customer interaction is also good in
providing services. Maximum customers are satisfied with the services provided by
the Bank. The Amex is one of those banks who serve its customers in the best way
and also give due consideration to its customer service. Maximum clients who have
their Corporate Accounts or individual Account with Amex are satisfied with its
services. Amex provides all the modern services to its customer.
Employee database
WEB SITES
www.americanexpres.com
www.google.com
1. Name of Company:
• Address (H.O)-
• Phone No-
• Fax-
• Website-
2. Contact Person
• Name
• Designation-
• Mobile-
• E-mail-
3. Business Details:
• Description
• Brand Name (if any)
Rs….
• Yes
• No
……………………………………………………………………………
……………………………………………………………………………
9. Are you satisfied with the services of Bank?
• YES
• NO
10. Would you like to give any Suggestion to Bank? If yes please
specify:
• Yes (…………………………………………………………
……………………………………………………………………)
• No