2. Meaning
• It is a multi purpose and multi-functional
financial supermarket providing both
'Banking and Financial Services' through
a single window. As per the World Bank,"
In Universal Banking, large banks operate
extensive network of branches, provide
many different services, hold several
claims on firms (including equity and
debt) and participate directly in the
Corporate Governance of firms that rely
on the banks for funding or as insurance
underwriters."
3. • In a nutshell, a Universal Banking is a
superstore for financial products, under
one roof
• 'Universal Banking' refers to those
banks that offer wide range of financial
services beyond the commercial banking
functions like Mutual Funds, Merchant
Banking, Factoring, Insurance, Credit
Cards, Retail loans, Housing Finance,
Auto Loans, etc.
4. A solution of Universal Banking
coupled with SWOT
• Strengths:
• Economies Of Scale
• Profitable Diversions
• Resource Utilization
• Easy marketing on the foundation a of Brand name
• One stop shopping
• Investor friendly activities
5. Weaknesses:
• Grey area of Universal Bank
No expertise in long term lending
• NPA problem remained intact
6. Threats:
• Big Empires
Opportunities:
To increase efficiency and productivity
To get more exposure in the global market
To eradicate the 'Financial Apartheid'
The Need of Universal Banking
7. Threats:
• Big Empires
Opportunities:
To increase efficiency and productivity
To get more exposure in the global market
To eradicate the 'Financial Apartheid'
The Need of Universal Banking
