Marketing of Financial Services-B.V.Raaghunandan

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Financial services provided by Indian banks with a critical view as presented by B..Raghunandan in a guest lecture at Karnataka Bank Staff Training College, Mangalore on August 10, 2009

Financial services provided by Indian banks with a critical view as presented by B..Raghunandan in a guest lecture at Karnataka Bank Staff Training College, Mangalore on August 10, 2009

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  • 1. Karnataka Bank Staff Training College, Mangalore . August 10, 2009 MARKETING OF FINANCIAL SERVICES - B.V.RAGHUNANDAN, SVS COLLEGE, BANTWAL
  • 2. Nationalisation and its Impact on Banks
    • Network of Branches
    • Universal Access
    • Implicit Brand Equity
    • Professional Employees
    • Coverage of Both Urban and Rural Areas
  • 3. Problems Created
    • Non-Performing Assets
    • Asset-Liability Mismatch
    • Capital Inadequacy
    • Limited Investment Options
    • Regulated Interest Regime
    • Too Much Of Regulation
    • Impact of Political Compulsions
  • 4. Events That Changed the World of Indian Banking
    • Financial Sector Reforms
    • Opening Up of Insurance Sector
    • IT Absorption by Indian Banks
    • Money Market Reforms
    • Reverse Merger of ICICI into ICICI Bank
    • Establishment of Clearing Corporation of India
    • ATMs Emerging as a Business Model
  • 5. Requirement
    • Employee Oriented Organisation
    • A Separate BPO Arm
    • Longer Business Hours with Shifts
    • Appointment of Professionals
    • Subsidiaries & Strategic Business Units
    • Comprehensive Training to Employees on Financial Markets, Services and Derivatives
  • 6. Requirement… Continued
    • Economic Research
    • Changed Mindset for Seamless Remittance Facilities
    • A Bigger and Better Lobby for Banking Industry
    • More Freedom In Choosing Activities
    • Long Term Profitability vis-a –vis Short-Term Profits
  • 7. Emerging Opportunities Areas
    • Housing Finance
    • Sale Of Insurance Products
    • Sale of Mutual Fund Units & Exchange Traded Funds
    • Depository Participation
    • Merchant Banking
    • Venture Capital Financing
    • Sale of Pure Gold Coins & Custodianship of Gold ETF
    • Factoring Services
    • Leasing Finance
    • ATM Enabled Business
  • 8. Corporate Clients’ Needs
    • Accessing Markets through Merchant Banker, Underwriter, Brokers, Banker To The Issue
    • Registrar & Transfer Agents
    • Custodial Services
    • Stock Broking
    • Depository Participation
    • Venture Capital
    • Factoring Services
    • Cash Management Services
    • Mergers & Acquisitions
  • 9. Corporate Clients’ Needs…continued
    • Sale & Lease Back
    • Foreign Exchange Needs
    • Loan Syndication
    • Leveraged Take-Overs & Buy-Outs
    • Wholesale Banking
  • 10. Functions of A Merchant Banker
    • Issue of Securities
    • Mergers & Acquisitions
    • Financial Restructuring
    • Management of Investment Trusts
    • Portfolio Management
    • Loan Syndication
    • Corporate Advisory Services
    • Custodial & Depository Services
    • Underwriting
    • Investment Banking
  • 11. Banks As Merchant Bankers
    • Economic research
    • Creation of a Database of Corporates of the Globe
    • Appointment of Legal, Managerial, and Accounting Professionals
    • Continuous Working Out of Scenarios for Financial Restructuring and M & A
  • 12. Banks & Secondary Markets
    • Stock Broking & Commodity Broking
    • Depository Participation
    • Stock Lending & Borrowing
    • Internet Trading
    • Issue of Credit Cards
    • Custodial Services
    • Lending on the Security of Stocks
    • Investor Grievances Cell
    • Auction Site for Unlisted Shares
  • 13. Banks & Venture Capital
    • Database of Clients
    • Contacts with Various Industrial Customer
    • Professional Expertise in Fund management
    • Ability to Provide Any Financial Service
    • Contacts With Mutual Funds & Fund Houses and High Networth Individuals
  • 14. Banks & SMEs
    • Depository for SME
    • Debenture Trustee
    • Custodial Services
    • Credit Rating Services
    • Advisory Services
    • Portfolio Management
    • Market making
    • Advisory Services on Derivatives
  • 15. Banks & Mutual Funds and ETFs
    • Fastest Growing Market
    • Risk- Shy Investors
    • Tie-Up for Sale and Redemption
    • Asset Management Services
    • Network of Branches and ATMs
    • Custodians of Gold ETF
  • 16. Bancassurance
    • Only a Distribution Function
    • Premium Collection
    • Investor Counselling
    • Claim Settlement
    • Customer Relation
    • Almost Acting As a BPO Arm
    • Avoidance of Opening of Branches by Insurance Companies
  • 17. ATMs-The Super Giant Banker
    • All the Functions of a Bank
    • A Strategic Model
    • Universal Network Sharing
    • Payment of Utility Bill
    • Reservation of Every Kind
    • Subscription and Redemption of Mutual Fund Units
    • Subscription to Money Market Instruments ?
    • Subscription to Primary market issues ?
    • Purchase and Sale of Shares ?
  • 18. Retail Banking
    • Consumer Finance
    • Issue of Credit Cards
    • Sale of Mutual Fund Units
    • Sale Of Insurance Products & Settlement of Claims
    • Payment of Every Kind
    • Reservations of Every Kind
    • Buying & Sale of Foreign Exchange
    • Applying to Primary Issues
    • Stock Broking
  • 19. Retail Banking….continued
    • Tax Planning & Tax Payment
    • Investment Counselling
    • Purchase & Sale of Government Bonds
    • Purchase & Sale of Money Market Instruments
    • Accreditation, if CIBIL takes it up
  • 20. Agriculture & Rural Finance
    • Self Help Groups
    • Micro Credit
    • Commercial Agriculture
    • Organised Retail
    • Distribution of Insurance Products
    • Social Banking
  • 21. Challenges
    • HR Problems
    • Alliance with Insurance Companies: Nature of Alliance
    • Capital Adequacy
    • Change Management
    • Technology Absorption
    • Contradictions of RBI & Ministry of Finance
  • 22. Trends
    • Commoditisation of Services
    • Mergers & Acquisitions for Scale of Operation
    • Tie-Ups: For ATMs, OIC, Bank of India & Union Bank of India, Karnataka Banks’ Alliance
    • Banks Emerging as a Giant Financial Machine for the Entire Country
    • Impersonal Banking through Internet & ATMs
  • 23. Thank You