A banking system in which banks provide a wide variety of financial services, including both commercial and investment services. Universal banking and private banking often coexist, but can exist independently. Consumer Finance: It is the division of retail banking that deals with lending money to consumers.

1. CONSUMER
FINANCE
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2. Universal Banking
• A banking system in which banks provide a wide
variety of financial services, including both
commercial and investment services.
• Universal banking and private banking often coexist,
but can exist independently.
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3. Consumer Finance
• It is the division of retail banking that deals with
lending money to consumers.
• Durables which are financed are Television, Washing
Machine, Air Conditioner, DVD/VCD players,
Refrigerator, Computers/laptops And other consumer
durables
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4. SME SECTOR
• SMEs are defined as enterprises with fewer than 500
employees.
• Firms range from one-person consulting shops to
larger, publicly traded companies.
• SMEs are present in almost every industrial sector.
• Small firms are defined as producers of goods with
fewer than 100 employees or purveyors of services
with fewer than 50 employees.
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5. OBJECTIVES OF SME
Primary Objective
Secondary objective
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6. 6
NEED FOR SME
• Being innovative
• Adapting to change
• Partnering with large businesses
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7. RETAIL LENDING
Retail lending is the term used to describe any
type of loans that are issued to individual
consumers rather than to businesses or other
types of institutions.
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8. Types of Retail Loans
• Housing Loan
• Educational Loans
• Vehicle or Auto Loans
• Personal Loans
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9. RETAIL LENDING IN INDIA
Retail lending in India has fast emerged as one
of the major drivers of the overall banking
industry and has witnessed enormous growth in
the recent past.
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10. MICRO FINANCE
Microfinance is a source of financial services for
entrepreneurs and small businesses lacking
access to banking and related services.
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11. BANCASSURANCE
• An arrangement in which a bank and an insurance
company form a partnership so that the insurance
company can sell its products to the bank's client
base
• It's a combination of the term 'Bank' and 'Insurance'.
• It means that insurance have started selling their
product through banks.
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12. There are basically four models of bancassurance:
• Distribution alliance between the insurance
company and the bank.
• Joint venture between the two companies.
• Mergers between a bank and insurer.
• Bank builds or buys own insurance products.
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13. RETAIL BANKING
Retail banking is when a bank executes transactions
directly with consumers, rather than corporations or
other banks.
• Fast Growth of the middle class
• SME banking is the driver for economic growth
• Access to financial services for the un banked
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14. CONCLUSION
1. Interest rates
2. Credit Rating
3. Agencies
4. Fraud
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15. REFERENCES
Wikipedia
http://en.wikipedia.org/wiki/Universal_bank
http://www.investopedia.com/terms/u/universalba
nking.asp
http://www.investorwords.com/6767/consumer_fi
nance.html
http://en.wikipedia.org/wiki/Bancassurance
http://en.wikipedia.org/wiki/Retail_banking
http://www.wisegeek.com/what-is-retail-
lending.htm
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16. THANK YOU
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