PRESENTED BY:
107140592003
107140592044
107140592032
107140592052
107140592050
107140592059

GUNJAN OJHA
KAJAL ODEDARA
HEM...


Economy of French Republic



France is in the midst of transition from a well to-do modern economy .



The governme...


France's real GDP contracted 2.5% in 2009.



It recovered somewhat in 2010, while the unemployment rate
increased fro...


There is a minimum employment wage in France that is regulated by
the French Government.



These minimum wages are ca...


European union



The crises was preceded by long period of rapid credit growth ,low-risk
premiums,



The ongoing re...


The emerging economies in Asia–in particular China–and oil
exporters are disposed to assume their role as US creditor o...


Creating two state agencies that will provide funds to sectors where
they are needed-



One entity has issued up to $...


The Indian banking system has had no direct exposure to the subprime mortgage assets or to the failed institutions. In ...


The big risk is a possible repeat of what happened in 1996: Projects
that are halfway to completion, or companies that ...


India has taken an array of monetary and fiscal measures, in quick
succession, to contain inflationary pressures.



T...


If we see in this manner a lot of decisions which are taken up by the
French government are ought to be learned and app...
SEM --IV


French banking industry is constantly opening its business world wide.



Payments via debit card can be made in one p...


Online banking is a highly popular option and it is widely used,
however quality can vary greatly and most banks make a...
1.

Money markets history
 The French Fungible Treasury bond rates trend is positive.
 After a downfall of 2.50% in summ...


Subsidiary-BNP Paribas IndiaSolutionsPrivateLtd.



Subsidiary-BNP Paribas Mutual Fund



Subsidiary-BNP Paribas Inve...


BNP Paribas India Solutions Private Limited (BNPPISPL), incorporated
in 2005, is a subsidiary of BNP Paribas S.A.



B...


Sundaram BNP Paribas Mutual Fund has been set up as a Trust
under the Indian Trust Act, 1882.



It has over 7000 cror...


Geojit BNP Paribas Financial Services is one of the leading retail
stock brokers in India, with a strong presence in th...


It had entered into an agreement on 9th May 2007, regarding a
strategic partnership in housing finance in India whereby...


State Bank of India Paris which is in France offers the full range of
International Banking products and services.



...


Credits and Loans



Credits and Loan State Bank of India, Paris offers both fund-based

and non fund based facilities...


SBI, Paris offers both fund – based and non fund based facilities to
business and industry to take care of their long t...


State Bank of India Paris is a member of Deposit Insurance
Corporation.



Saving Bank and Term Deposits are eligible ...


Type of Deposit: Term Deposit, Callable at the discretion of the Bank



Currency of Deposit : Euro as well as US Doll...


SBI is the largest commercial bank in the country and has reach all over
India.



It contributes highest economy deve...
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Raja hardik nribm

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Raja hardik nribm

  1. 1. PRESENTED BY: 107140592003 107140592044 107140592032 107140592052 107140592050 107140592059 GUNJAN OJHA KAJAL ODEDARA HEMANGI RATHOD REENU NADAR NEHALI THAKKAR JINAL SHAH
  2. 2.  Economy of French Republic  France is in the midst of transition from a well to-do modern economy .  The government has partially or fully privatized many large companies, banks, and insurers, and has ceded stakes in such leading firms as Air France, France Telecom, Renault, and Thales.  It maintains a strong presence in some sectors, particularly power, public transport, and defense industries.  France is the most visited country in the world and maintains the third largest income in the world from tourism With at least 75 million foreign tourists per year.  France has weathered the global economic crisis better than most other big European Union economies.
  3. 3.  France's real GDP contracted 2.5% in 2009.  It recovered somewhat in 2010, while the unemployment rate increased from 7.4% in 2008 to 9.5% in 2010.  The government budget deficit rose sharply from 3.4% of GDP in 2008 to 6.9% of GDP in 2010, while France's public debt rose from 68% of GDP to 82% over the same period.  Paris is terminating stimulus measures, eliminating tax credits, and freezing most government spending to bring the budget deficit under the 3% euro-zone ceiling by 2013.
  4. 4.  There is a minimum employment wage in France that is regulated by the French Government.  These minimum wages are called ― SalarieMinimum de Croissance (or SMIC for short), and are set at around 8.86 Euros per hour of labor.  Moreover the wages are paid at least once every 30 days, mostly at the end of each month, and payment is made through either check or deposit into the employee‘s bank account.  In Comparison to INDIA, France has a better way of calculating the wages to be given to the employees with respect to their work.
  5. 5.  European union  The crises was preceded by long period of rapid credit growth ,low-risk premiums,  The ongoing recession is thus likely to leave deep and long-lasting traces on economic performance  The financial crisis has had a pervasive impact on there al economy of the EU.  Slow down is widely perceived to require an adjustment of fiscal positions towards close to balance the economy .  The unemployment rate is forecast to increase to close to 11% in the EU by 2010.
  6. 6.  The emerging economies in Asia–in particular China–and oil exporters are disposed to assume their role as US creditor owing to their large national saving surpluses.  The French have been experiencing difficulties in paying for their loans and debts.  The financial crisis offers no job opportunities for them  They are now getting into too many debts because they cannot find money to pay these transactions because of this crisis  Moreover, financial institutions are also closing down.
  7. 7.  Creating two state agencies that will provide funds to sectors where they are needed-  One entity has issued up to $480 billion in guarantees on inter-bank lending issued before December 31, 2009, and was valid for five years.  Other entity will use a $60 billion fund to recapitalize struggling companies by allowing the government to buy stakes in the firms.  President Sarkozy announced that the French government would take a tougher stance toward French banks that seek state aid. Up to that point, France had injected $15 billion in the French banking system
  8. 8.  The Indian banking system has had no direct exposure to the subprime mortgage assets or to the failed institutions. In fact, our banks continue to remain safe and healthy.  External demand, as measured by merchandize exports, accounts for less than 15 per cent of our GDP.  The Indian corporate sector's access to external funding has markedly increased in the last five years. In the five-year period 2003-08, the share of investment in India's GDP rose by 11 percentage points.
  9. 9.  The big risk is a possible repeat of what happened in 1996: Projects that are halfway to completion, or companies that are stuck with cash flow issues on businesses that are yet to reach break-even, will run out of cash.  One danger meanwhile is of a dip in the employment market. There is already anecdotal evidence of this in the IT and financial sectors, and reports of quiet downsizing in many other fields as companies cut costs.  Significant drop in new hiring --and that will change the complexion of the job market.
  10. 10.  India has taken an array of monetary and fiscal measures, in quick succession, to contain inflationary pressures.  The Reserve Bank had, within four weeks in October, lowered reservations and reduced a key interest rate to provide some 250,000 crores of liquidity for banks to finance businesses and consumers  The confidence and strength to the Indian economy is its sound financial sector with its well-regulated and well-capitalized banking system.  RBI projects that the annual rate of inflation would be down to 7 percent by March 2009.  Even at 7.5 percent, India will remain these fastest growing economy  The Prime-Minister has set-up a high powered group chaired by him to closely monitor the evolving macro-economic
  11. 11.  If we see in this manner a lot of decisions which are taken up by the French government are ought to be learned and applied in India  The political relations positively are used by French government for the progress and growth of the economy  The French economy is well managed and some positive and right decisions has took it to the greater heights and apart from developed country  India’s success is also remarkable being a fastest growing developing country but need to adopt some more good policies from French economy.
  12. 12. SEM --IV
  13. 13.  French banking industry is constantly opening its business world wide.  Payments via debit card can be made in one payment at the end of each month rather than immediately.  Pin-code needs to be used with each over-the-counter card transaction.  These measures successfully cut down on credit card debt and fraud problems in France & other countries also.  French mortgage is a very attractive option to many investors, normally offer 100% mortgage finance to foreigners, with interest rates capped at 4%.  Fixed rate mortgages are available for long terms only of between 10 and 20 years maximum term for a French mortgage is 20 years or up to the age of 70 ,which ever is sooner.
  14. 14.  Online banking is a highly popular option and it is widely used, however quality can vary greatly and most banks make a monthly charge for the use of online services  BNP Paribas is one of the main banks of Europe and France, the product of the merger between Banqu National de Paris and Paribas  BNP Paribas is divided into three individual business units  Retail banking,  Corporate and investment banking  Investment solutions,  Which is where you will find real estate services
  15. 15. 1. Money markets history  The French Fungible Treasury bond rates trend is positive.  After a downfall of 2.50% in summer2010, it then sky rocketed between late 2010 and early 2011, reaching 3.80% for instance in mid-April 2011. 2.)Short-term rates (for variable and capped rates)  Short term Interest rates in money markets reflect the price at which banks lend money to one another over short periods.  These rates serve as the reference for variable rate loans. Banks add a margin of between 0, 60% and 1,50%, to the short rate term. 3.)Long-term rates(for fixed rates)  Thisrateisthereferenceusedbybankstosettheinterestrateappliedfor 15yearsfixedratemortgages.  Ratesappliedfortheotherloantermsarecalculatedbyaddingorsubtra ctingapproximately0.15%forevery5yearphaseaboveorbelowa15ye arsterm.
  16. 16.  Subsidiary-BNP Paribas IndiaSolutionsPrivateLtd.  Subsidiary-BNP Paribas Mutual Fund  Subsidiary-BNP Paribas Investment Services Private Ltd.  Subsidiary- Arval India Private Limited  Subsidiary- Segece India Pvt. Ltd  Joint venture –SBI Life Insurance Co. Ltd  Joint venture –Geojit BNP Paribas Financial Services Ltd  Joint venture-BNP Paribas Real Estate & Infrastructure Advisory Services Private Limited  Joint venture- Sundaram BNP Paribas Home Finance Ltd  Joint venture - SREI Equipment Finance Pvt. Ltd  Joint Venture – BNP Paribas Securities India  Joint Venture-BNP Paribas Sundaram Global Securities Operations Pvt. Ltd
  17. 17.  BNP Paribas India Solutions Private Limited (BNPPISPL), incorporated in 2005, is a subsidiary of BNP Paribas S.A.  BNP PISPL aims to provide info-centre, data- warehousing, IT and back-office processing services, with major focus on capital markets information technologies as well as regional – organization -andmethods. 1)Jointventure-SBILifeInsuranceCoLtd  BNP PISPL provides the bank's business lines and functions a competitive and efficient platform to cope with the ever growing operational and informal on technology requirements.  -SBI owns 74% of the total capital and BNPParibas Cardiff there maintaing 26%.
  18. 18.  Sundaram BNP Paribas Mutual Fund has been set up as a Trust under the Indian Trust Act, 1882.  It has over 7000 crores (USD1.55billion) as Assets under Management (AUM) as on November 13, 2006.  It has eleven equity, thirteen debt and one-hybrid products catering to various categories of investors.  It has been allotted CPR1 ranking by CRISIL for three consecutive quarter sending December 2005, March 2006 – and –June - 2006.
  19. 19.  Geojit BNP Paribas Financial Services is one of the leading retail stock brokers in India, with a strong presence in the Gulf countries. Listed on the National Stock Exchange (NSE)and on the Bombay Stock Exchange (BSE)  BNP Paribas Securities India Private Limited is the company's jointventure with BNP Paribas for institutional brokerage.  Sundaram Home Finance Limited was incorporated on July2, 1999, under the Companies Act 1956 and Union de Credit pourle Batiment (UCB) a wholly-owned subsidiary of BNP Paribas, France
  20. 20.  It had entered into an agreement on 9th May 2007, regarding a strategic partnership in housing finance in India whereby UCB will acquire a 49.9% stake in Sundaram Home Finance Limited, a subsidiary of Sundaram Finance Limited.  Consequent to the completion of the regulatory approvals, the name of the Company has been changed to Sundaram BNP Paribas Home Finance Limited effective 28th November 2007.
  21. 21.  State Bank of India Paris which is in France offers the full range of International Banking products and services.  They are capable of handling customer„s international transactions with speed, efficiency and a professional touch.  Following is an indicative list of products and services offered in the International Banking area.  1) PRODUCTS OFFERED (DOMESTIC/CROSS BORDER)  2) SERVICES OFFERED  a) Collection of Bills  b) Advising  c)Confirmation of L/Cs  d) Negotiation/Reimbursement/Discounting of Bills drawn under L/Cs
  22. 22.  Credits and Loans  Credits and Loan State Bank of India, Paris offers both fund-based and non fund based facilities to business and industry to take care of their long term and short term requirements.  A)Product  Buyer’s Credit/Supplier’s Credit  Bank Guarantees  B)Direct lending  Revolving Loans/Lines of Credit  Overdrafts/Loans against cash collaterals  Financing of International Trade
  23. 23.  SBI, Paris offers both fund – based and non fund based facilities to business and industry to take care of their long term and short term requirements.  The branch caters to the business interest of French exporters and our charges are very competitive for India -related-business.  Products offered  Letter of Credits/Stand by Letter of Credit  Services-offered  1.Speedy collection of Export Proceed  2.Free assistance in compilation of Documents  3.Supplier’s Credit / Buyer’s Credit  Deposits:They accept Fixed Deposits for a minimum amount of EUR 3.0 and for USD and Pounds 5.0. The minimum period is 3months.
  24. 24.  State Bank of India Paris is a member of Deposit Insurance Corporation.  Saving Bank and Term Deposits are eligible for deposit insurance from the Deposit Insurance Corporation, subjected ways to maximum coverage limitations as out lined in their brochure "Protecting Your Deposits” and provided they are in Euro, are payable in France
  25. 25.  Type of Deposit: Term Deposit, Callable at the discretion of the Bank  Currency of Deposit : Euro as well as US Dollar  Deposit Amount : The minimum amount of Deposits hall be USD/Euro 10,000.00  Period of Deposit :One year but callable at par at the discretion of the Bank on each interest reset payment date, which is three months.  Issue Price: 100%  Maturity Payment : 100% with interest.  Rate of Interest : 3 months LIBOR plus 10BP .(For Amounts higher than USD/Euro 100,000.00 a further plus rate is available).  Premature payment: Not allowed, however, Dem and Loan upto 75% of the principal amount can be given to the account holder.
  26. 26.  SBI is the largest commercial bank in the country and has reach all over India.  It contributes highest economy development of the company through various capital market instruments.  BNP Paribas having existence in 80 countries is one of the most widespread banking network.  As India is a developing nation French banks are eager to enter Indian market for the business purposes.  The various joint ventures and business in one other country gives a global platform for our nation’s banking industry.  France , which has been leading efforts to curb financial crisis, has proposed a package of measures estimated to cost over $500 billion.

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