Banc assurance
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Bancassurance is an efficient distribution channel with higher productivity and lower costs than traditional distribution channels
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This document provides information about HDFC Bank, including its history, products and services, vision, mission, business strategy, segmentation and targeting approaches, capital structure, SWOT analysis, and key milestones. Some of the main points summarized are:
HDFC Bank was established in 1994 and has grown to become one of the largest private sector banks in India with over 1,700 branches. It offers a range of banking products and services including loans, deposits, investment funds, insurance, and remittances. The bank aims to be customer-driven and market leading through technology-enabled services and growth while maintaining high asset quality. However, it faces threats from competitors and was penalized for violations uncovered in an inquiry called Operation
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Bancassurance b.v.raghunandan
Bancassurance allows banks to sell insurance products through their branches. It provides benefits to both banks and insurance companies by leveraging existing networks. For banks, it generates fee income and access to funds from insurance subscriptions. Insurance companies gain a widespread reach, especially in rural areas. Customers benefit from the convenience of accessing multiple financial products in one location. However, bancassurance also faces challenges like lack of insurance expertise among bank staff and difficulties balancing product sales with customer service.
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The document discusses bancassurance in India, including:
1) Examples of insurance company tie-ups with banks like LIC, SBI Life Insurance, and Birla Sun Life Insurance.
2) A SWOT analysis of bancassurance that identifies strengths like large bank and insurance networks, and weaknesses like lack of IT infrastructure and need for employee training.
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This document compares Axis Bank and HDFC Bank. It provides an overview of the objectives, research methodology, limitations, and profiles of the two banks. Key financial metrics like credit to deposit ratio, capital adequacy ratio, non-performing asset ratio, and return on assets are analyzed. Recommendations are made to improve brand image, career opportunities, training programs, and advertising. The conclusion is that Axis Bank is well positioned to gain from opportunities in the growing Indian banking sector due to its strong technology, products, distribution network, and management.
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Meezan Bank is Pakistan's largest Islamic bank, established in 1997. It offers various Islamic banking products and services, including personal and corporate banking, project financing, and asset management. As an investment arm, Meezan Bank holds different types of marketable securities that provide liquidity and returns to investors. However, the bank faces weaknesses such as high employee turnover and lack of marketing in the past. It also faces threats of increased competition from conventional banks and other Islamic banks entering the market.
Bancassurance.pptx
Bancassurance refers to the partnership between banks and insurance companies where banks sell insurance products to their customers. The key aspects are:
1) Banks and insurers form partnerships where banks have access to a large customer base to sell insurer's products, while insurers gain access to new customers without expanding sales teams.
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This document discusses private commercial banks in Bangladesh. It provides background on the banking system and notes that private banks now make up 30 of the 49 total banks operating in Dhaka City. The document outlines some key functions of private commercial banks like accepting deposits, providing loans, and discounting bills. It also gives examples of services offered by specific private banks like United Commercial Bank Limited and AB Bank Limited. Finally, it discusses the contributions of private commercial banks to Bangladesh's economy and future development.
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Bancassurance allows banks to sell insurance products through their branches. It provides benefits to both banks and insurance companies by leveraging existing networks. For banks, it generates fee income and access to funds from insurance subscriptions. Insurance companies gain a widespread reach, especially in rural areas. Customers benefit from the convenience of accessing multiple financial products in one location. However, bancassurance also faces challenges like lack of insurance expertise among bank staff and difficulties balancing product sales with customer service.
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1) Examples of insurance company tie-ups with banks like LIC, SBI Life Insurance, and Birla Sun Life Insurance.
2) A SWOT analysis of bancassurance that identifies strengths like large bank and insurance networks, and weaknesses like lack of IT infrastructure and need for employee training.
3) Guidelines from the Reserve Bank of India and Insurance Regulatory and Development Authority for banks participating in insurance, including restrictions on risk participation and investment limits.
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Meezan Bank is Pakistan's largest Islamic bank, established in 1997. It offers various Islamic banking products and services, including personal and corporate banking, project financing, and asset management. As an investment arm, Meezan Bank holds different types of marketable securities that provide liquidity and returns to investors. However, the bank faces weaknesses such as high employee turnover and lack of marketing in the past. It also faces threats of increased competition from conventional banks and other Islamic banks entering the market.
Bancassurance.pptx
Bancassurance refers to the partnership between banks and insurance companies where banks sell insurance products to their customers. The key aspects are:
1) Banks and insurers form partnerships where banks have access to a large customer base to sell insurer's products, while insurers gain access to new customers without expanding sales teams.
2) Bank staff are trained to sell insurance products to bank customers, with commissions shared between the bank and insurer.
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The State Life Insurance Corporation of Pakistan is the largest life insurance company in the country. It is headed by a Chairman and assisted by Executive Directors appointed by the Federal Government. The organizational structure consists of regional, zonal, sector, and area offices across Pakistan. State Life's objectives include providing efficient service to policyholders and mobilizing national savings through life insurance. It offers various individual and group life insurance plans. State Life also partners with banks to sell insurance through bancassurance. It has policies in place to ensure quality, confidentiality, integrity and availability of data.
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Bancassurance allows banks to sell insurance products through their distribution channels, forming partnerships between banks and insurers. This provides immediate access to new markets and increased penetration for insurers. Banks benefit through additional income from commissions and enhanced customer satisfaction from offering diverse services. Customers benefit from lower prices, better quality products, and convenient purchasing through their banks. Regulations in India require separate governance of banking and insurance, but allow banks to partner with insurers as agents.
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Mutual funds pool the savings of investors who share a common financial goal. A mutual fund is managed by an asset management company who invests the pooled funds into securities like stocks and bonds. Returns are distributed proportionately among investors based on the number of units owned. Mutual funds offer investors a low-cost way to invest in a diversified portfolio that is professionally managed. Regulation and oversight is provided by the Securities and Exchange Board of India and Association of Mutual Funds in India.
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Meezan Bank Limited is Pakistan's first and largest Islamic commercial bank. It was established in 2002 when the State Bank of Pakistan issued the first Islamic banking license. Meezan Bank has over 500 branches across Pakistan and aims to establish Islamic banking as the preferred banking choice through innovative Shariah-compliant products and services. The bank has experienced rapid growth since its founding and maintains a market share of 35% in Pakistan's Islamic banking industry.
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Commercial banks in India accept deposits and provide loans and other financial services. The key functions of commercial banks are accepting deposits, advancing loans, discounting bills of exchange, and providing agency and general services. In 1969 and 1980, the Indian government nationalized several large commercial banks to increase access to credit in rural and underserved areas and promote equitable development. The objectives of nationalization were to reduce economic concentration, mobilize resources nationwide, and fulfill the credit needs of small businesses and farmers.
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This document provides an overview of ICICI Bank, a major private sector bank in India. It discusses ICICI Bank's profile, including that it was founded in 1994 and has over $103 billion in net assets. It also summarizes some of ICICI Bank's key products and services like credit cards, loans, insurance, and deposits. Finally, it discusses the importance of customer satisfaction for ICICI Bank and tools they can use to measure, attract, retain, and increase loyalty among customers.
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Islamic banking system in bangladesh
Islamic banking first began in Bangladesh in the 20th century with various interest-free initiatives. In 1982, the governor of Bangladesh Bank formally decided to introduce Islamic banking. There are now six fully-fledged Islamic banks in Bangladesh that follow principles like profit/loss sharing and prohibiting interest. These banks offer products like murabaha, mudaraba, and ijara. While Islamic banks contribute to the economy, they are still smaller than conventional banks due to barriers such as a lack of dedicated Islamic banking laws and shortage of skilled professionals. Overcoming such issues could allow Islamic banking to better aid Bangladesh's economic development.
Slides-Meezan-Bank.ppt
Meezan Bank is Pakistan's largest Islamic bank with over 130 branches. It was established in 1997 as an Islamic investment bank and received Pakistan's first full-fledged Islamic banking license in 2002. Meezan Bank aims to establish Islamic banking as the first choice and facilitate an equitable economic system. Their products include interest-free accounts, certificates of investment, car and home financing that comply with Shariah principles. Meezan Bank has a wide range of personal, corporate, and investment services and plans to expand further in Pakistan and abroad.
Bancassurance
Bancassurance allows banks to sell insurance products through their distribution channels, forming partnerships between banks and insurers. This provides immediate access to new markets and increased penetration for insurers. Banks benefit through additional income from commissions and enhanced customer satisfaction from offering diverse services. Customers benefit from lower prices, better quality products, and convenient purchasing through their banks. Regulations in India require separate governance of banking and insurance, but allow banks to partner with insurers as agents.
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Mutual funds pool the savings of investors who share a common financial goal. A mutual fund is managed by an asset management company who invests the pooled funds into securities like stocks and bonds. Returns are distributed proportionately among investors based on the number of units owned. Mutual funds offer investors a low-cost way to invest in a diversified portfolio that is professionally managed. Regulation and oversight is provided by the Securities and Exchange Board of India and Association of Mutual Funds in India.
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Commercial banks are financial institutions that accept deposits and make loans. They offer the widest range of services of any financial institution. In the past, banks focused on traditional services like deposits, loans, and check cashing. However, they now offer many diversified financial services as general financial providers. Nonbank competitors also provide similar services, like insurance companies and brokerages. Banks can be categorized as depository institutions like commercial banks and credit unions, or non-depository institutions like insurance companies and pension funds. The top 10 largest banks in the world by assets are led by Barclays and include other international banks like UBS and BNP Paribas.
Meezan Bank
Meezan Bank Limited is Pakistan's first and largest Islamic commercial bank. It was established in 2002 when the State Bank of Pakistan issued the first Islamic banking license. Meezan Bank has over 500 branches across Pakistan and aims to establish Islamic banking as the preferred banking choice through innovative Shariah-compliant products and services. The bank has experienced rapid growth since its founding and maintains a market share of 35% in Pakistan's Islamic banking industry.
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UCO Bank is a public sector bank established in 1943 with headquarters in Kolkata. It has over 2,600 branches across India and two international branches. The bank offers various loan and deposit products to retail, wholesale, and corporate customers. It focuses on sectors like agriculture and infrastructure financing. Career opportunities at UCO Bank include roles in business development, branch management, customer service, and loans. The bank faces opportunities in rural banking and small enterprise financing but also threats from competition and economic conditions.
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PRO-GROWTH is a human resource consulting company located in Peshawar, Pakistan. It offers a wide range of HR services including recruitment, training, employee relations, and performance management. The company aims to serve both private and public sector organizations in Khyber Pakhtunkhwa. It has three owners who are experienced HR professionals and will provide the startup capital of 3 lakh Pakistani rupees. PRO-GROWTH plans to expand its service offerings and hire additional consultants over time to meet growing demand for outsourced HR solutions.
Business Plan On Bread Production
U-Breado Baking House is presenting a business plan to produce protein and diet breads targeting health-conscious consumers in Peshawar, KPK. The plan outlines the company's mission to provide high-quality FMCG products, vision to be the world's top choice for protein solutions, and descriptions of the bread products, target market, suppliers, competitors, and regulations. Financial projections estimate that startup costs will be Rs. 1.4 million, sales of Rs. 1.5 million per month will yield a monthly profit of Rs. 90,000, and the business will reach the break-even point within 17 months of operations.
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留信网认证的作用:
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3:国家专业人才认证中心颁发入库证书
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6:个人职称评审加20分
7:个人信誉贷款加10分
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4:这个认证书并且可以归档倒地方
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二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
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6:个人职称评审加20分
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
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【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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Banc assurance
- 1. Banc Assurance Presenter Sajjad Hussain (Sajjad Chitrali)
- 2. Topic: Group Members • NAME CLASS NO • UMAR ALI 391 • IKRAM-UR-REHMAN 393 • WALEED MIRAJ 394
- 3. • Concept started by British in 1965. • Started in Pakistan 1979. • EFU was the first in Pakistan to introduce a product to a bank account holders. • MCB started in 2004 • HBL started in 2006 • Although a not so familiar term in Pakistan.
- 4. • Definition: The selling of life assurance and other insurance products and services by banking institution. Explanation: Bancassurance arrangement benefits both the firms. The bank act as an intermediary.
- 5. Benefits to all parties •Fee based income •Low capital – high ROE • Improved customer service – Culture shift • Market opportunity • Customer expectation • Success in markets around the world • New distribution channel • A ‘warm’ customer base • Better persistency • Higher premiums • Profitable Growth • Competitive products • Success in markets around the world •Changing attitudes & awareness • Want options • One stop financial service • Trust banks Banks Insurance Companies Customers
- 6. Forms of • Strategic Alliance: » Tie-up between bank and an insurance company. » The bank only markets the products of the insurance company. • Full Integration: » A full Integration of banking and insurance services. » Bank controls sales insurer service levels including approach to claims. » The bank has an additional core activity almost similar to that of an insurance company.
- 7. • Mixed Model » The marketing is done by the insurer’s staff and the bank is responsible for generating lead only. » The database of the bank is sold to the insurance company.
- 8. in Pakistan • Bancassurance in Pakistan is not completely non-existent. • Life insurance companies have worked with banks. • Short of a true bancassurance arrangement.
- 10. • In the words of Suleiman ( Team Leader of Jubilee life insurance in HBL Peshawar region).
- 11. Direct Debit Standing Order
- 12. Summary • In earlier time the concept was not familiar as the insurance agent made fraud with the customer. • Bancassurance is growing day by day as people trust banks more than an insurance agent. • It helps the economy as two financial institutions come together.