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An Assignment on

The study of Product line & Product mix of HSBC YAHOO


By Tariq Rajput MBA-Finance

TABLE OF CONTENTS
Product line Product mix Product mix management and responsibilities Product mix analysis Product lines & Product mix of HSBC HSBC Profile HSBC Introduction HSBC Product mix HSBC Product lines Product line & Product mix of Yahoo Yahoo Profile Yahoo Introduction Yahoo Product mix Yahoo Product lines Conclusion Bibliography

PRODUCT LINE
A product line is a group of products within the product mix that are closely related, either because they function in a similar manner, are sold to the same customer groups, are marketed through the same types of outlets, or fall within given price ranges. A product is a distinct unit within the product line that is distinguishable by size, price, appearance, or some other attribute. In the below Table, courses in the each department constitute a product line; and each course is a product item. For example; Mathematics department is a product line, and Calculus is a product item.

University Product Lines & Product Mix


Political Science Political Theory American Government International relations State government Nursing Biology Chemistry Organic Chemistry Education Elementary Teaching Secondary Teaching Teaching Internship Post Secondary Teaching Engineering Physics Advanced Math Electrical Concept Mathematics Calculus I Calculus II Trigonometry Math Theory English English Literature European Writers Creative Writing

PRODUCT MIX
The product mix of a company, which is generally defined as the total composite of products offered by a particular organization, consists of both product lines and individual products. Example; All the courses a university offers constitute its product mix.

PRODUCT MIX MANAGEMENT AND RESPONSIBILITIES


It is extremely important for any organization to have a well-managed product mix. Most organizations break down managing the product mix, product line, and actual product into three different levels. Product-mix decisions are concerned with the combination of product lines offered by the company. Management of the companies' product mix is the responsibility of top management. Some basic product-mix decisions include: (1) reviewing the mix of existing product lines; (2) Adding new lines to and deleting existing lines from the product mix; (3) Determining the relative emphasis on new versus existing product lines in the mix; (4) Determining the appropriate emphasis on internal development versus external acquisition in the product mix; (5) Gauging the effects of adding or deleting a product line in relationship to other lines in the product mix; and (6) Forecasting the effects of future external change on the company's product mix.

PRODUCT LINE DECISIONS, MANAGEMENT & RESPONSIBILITIES


Product-line decisions are concerned with the combination of individual products offered within a given line. The product-line manager supervises several product managers who are responsible for individual products in the line. Decisions about a product line are usually incorporated into a marketing plan at the divisional level. Such a plan specifies changes in the product lines and allocations to products in each line. Generally, product-line managers have the following responsibilities: (1) Considering expansion of a given product line; (2) Considering candidates for deletion from the product line; (3) Evaluating the effects of product additions and deletions on the profitability of other items in the line; and (4) Allocating resources to individual products in the line on the basis of marketing strategies recommended by product managers.

HSBC
Type: Public (LSE: HSBA, SEHK: 005, NYSE: HBC, Euronext: HSB, BSX: 1077223879) Founded: Hong Kong (1865) Founder(s): Thomas Sutherland Headquarters: 8 Canada Square, London, England, UK Key people: Stephen Green, Group Chairman Michael Geoghegan, Group Chief Executive Industry: Finance and insurance Subsidiaries: HSBC Bank plc The Hong Kong and Shanghai Banking Corporation HSBC Bank USA HSBC Bank Middle East HSBC Mexico HSBC Bank Brazil HSBC Finance

INTRODUCTION
HSBC Holdings plc is a public limited company incorporated in England and Wales in 1990, and headquartered in London since 1993. As of 2009, it is both the world's largest banking group and the world's 6th largest company according to a composite measure by Forbes magazine. In 1999, the company established its international brand name, which ensured that the Group's corporate symbol became a familiar sight all across the world. HSBC differentiates its brand name from those of its competitors by describing the unique characteristics which distinguish HSBC, namely being, 'The world's local bank'. HSBC has an enormous operational base in Asia and significant lending, investment, and insurance activities around the world. The company has a global reach and financial fundamentals matched by few other banking or financial multinationals. It has over 9,800 offices worldwide. It employs over 253, 000 people, across different countries and territories. Its shares are held by around 200,000 people in some 100 countries and territories. The company's shares are also traded on most of the world's renowned stock exchanges, namely, London, Paris, New York, and Bermuda stock exchanges respectively.

HSBC PRODUCT MIX

HSBC PRODUCT LINES

HSBC Bank International is the offshore banking arm of the HSBC Group, focusing on providing offshore solutions and cross border services to expatriates and migrants. It provides a full range of multi-currency personal banking services to a range of customer segments, including a full internet banking and telephone banking service. Sometimes referred to as "HSBC Offshore", the business also offers independent financial planning, and has representative offices all over the world, often working alongside local HSBC operations in those regions. Offshore current account Offshore accounts with HSBC Premier Cheque Deposit account Savings account Fixed Rate Saver Online Bonus Saver Account Fixed Deposit Account Serious Saver Account Currency Saving Account Investment Financial Planning Services

HSBC Offshore Funds AssetMaster Online Share Dealing Foreign Exchange and Currency Instant Global transfer between HSBC Accounts Currency Cards Internet Banking

HSBC Private Bank is the group's private banking operation, providing private banking and trustee services to wealthy individuals and their families worldwide. The Private Bank has in excess of 60 offices worldwide, with the major centers being Miami, New York, London, Geneva and Hong Kong. Investment Trust and Fiduciary Services Specialist Advisory Finance & Banking Islamic Private Banking Online Services Client Scenarios

HSBC Direct is an online direct banking operation which attracts customers through highinterest savings accounts and no service charges or minimum account balance requirements. It was first launched in the USA in November 2005 and is now available in Canada, Taiwan and South Korea. Poland is launching business direct in September 2009. HSBC Direct provide following services Online Payment Accounts Online Saving Accounts Online CD Credit Cards

HSBCnet is a global service that caters to local business needs by offering specialised functionality for different regions worldwide. The system provides access to transaction banking functionality - ranging from payments and cash management to trade services features - as well as to research and analytical content from HSBC. It also includes foreign exchange and money markets trading functionality. HSBCnet offer following services to its customers Online Reporting Online Transactions Cash Management Research Analysis

HSBC Premier is the group's premium financial services product. The exact benefits and qualification criteria vary depending on country, but typically require deposits and investments of at least $100,000, 50,000, or 100,000. Alternatively those who have an individual annual income of at least 100,000 paid into their HSBC Premier Bank Account and are a customer of the bank's Independent Financial Advisory Service. Internal Wealth Management Service Premier Fund Solutions Premier Credit Cards Premier Family Services Premier Online Banking

YAHOO
Type: Public company (NASDAQ: YHOO) Founded: Santa Clara, California (March 1, 1995) Headquarters: 701 First Avenue Sunnyvale, California, United States Key people: Carol Bartz, CEO Roy J. Bostock, Chairman Jerry Yang, Co-founder David Filo, Co-founder Industry: Internet, computer software

INTRODUCTION
Yahoo! Inc. (NASDAQ: YHOO) is an American public corporation headquartered in Sunnyvale, California, (in Silicon Valley), that provides Internet services worldwide. The company is perhaps best known for its web portal, search engine (Yahoo! Search), Yahoo! Directory, Yahoo! Mail, Yahoo! News, advertising, online mapping (Yahoo! Maps), video sharing (Yahoo! Video), and social media websites and services. Yahoo! was founded by Jerry Yang and David Filo in January 1994 and was incorporated on March 1, 1995. On January 13, 2009, Yahoo! appointed Carol Bartz, former executive chairperson of Autodesk, as its new chief executive officer and a member of the board of directors. Microsoft and Yahoo! pursued merger discussions in 2005, 2006, and 2007, that were all ultimately unsuccessful. At the time, analysts were skeptical about the wisdom of a business combination. On February 1, 2008, after its friendly takeover offer was rebuffed by Yahoo!, Microsoft made an unsolicited takeover bid to buy Yahoo! for US$44.6 billion in cash and stock. Days later, Yahoo! considered alternatives to the merger with Microsoft, including a merger with internet giant Google or a potential transaction with News Corp. However, on February 11, 2008, Yahoo! decided to reject Microsoft's offer as "substantially undervaluing" Yahoo!'s brand, audience, investments, and growth prospects.

YAHOO! PRODUCT MIX

Note: This is not complete product mix of yahoo.

YAHOO PRODUCT LINES

Investing Personal Finance News & Opinions Market Summary Currency Converter Commentary & Analysis

Mail Messenger Search Flickr Sports News Finance Weather

Showtime & Tickets Coming Soon Photo gallery Trailer & Clips Premiers Box Office Kids Movies

TV Listings Videos Photos News Full Episodes Primetime Recap Daytime Recap

Find a Home Finance & Mortgage Guides & Advice National Housing Market Snapshot National Mortgage Rates Home Loans Home Equity Center

CONCLUSION
Managing the product mix for a company is very demanding and requires constant attention. Top management must provide accurate and timely analysis (BCG) of their company's product mix so the appropriate adjustments can be made to the product line and individual products.

BIBLIOGRAPHY
Assel, Henry. (1985). Marketing Management Strategy and Action. Boston: Kent Publishing Company. Bernhardt, Kenneth L., and Kinnear, Thomas C. (1983). Principles of Marketing. Scott, Foresman and Company. Kotler, Philip (1980). Principles of Marketing. NJ: Prentice-Hall. Myers, James H. (1986). Marketing. McGraw-Hill. Wikipedia.org Yahoo.com Hsbc.com Enotes.com Hsbcprivatebank.com Ukessays.com