Indonesia's economy is slowing down, with GDP growth falling to 5.1% in the second quarter of 2014 due to declining exports and investment. The new administration faces challenges from tightening global liquidity and capital outflows exacerbating the economic slowdown. Real GDP growth is projected to fall further to below 5% for the rest of 2014 and 2015 as the authorities have limited ability to stimulate the economy. However, medium-term growth prospects remain positive if the new administration implements reforms and infrastructure investment to unlock Indonesia's long-term economic potential.
China's latest stimulus measures have helped the economy avoid a hard landing. Real GDP growth slowed to 7.3% in the third quarter of 2014, in line with projections and above the government's 7.5% target. Stimulus including tax breaks, infrastructure spending, and monetary easing boosted growth. However, overall lending growth declined as regulatory restrictions on shadow banking offset stimulus. While stimulus averted a sharp downturn, the economy is expected to continue gradually slowing in line with weaker global and domestic demand.
This document provides information about student loan availability, repayment, and forgiveness programs. It discusses the various federal student loan programs including Direct Loans, Perkins Loans, Parent PLUS Loans, and Graduate PLUS Loans. It also outlines the different federal loan repayment plans and describes options for loan forgiveness such as programs for those who work in public service or volunteer positions. The document aims to help students and parents understand their financial aid and loan repayment options.
A Financial Crisis is a Terrible Thing to Waste: Rapid Learning at the Federa...MicroAssist, Inc
The document discusses the Federal Reserve's response to the 2007-2008 financial crisis and its aftermath. It provides background on the Fed's role and functions, describes the housing bust and resulting crisis, and outlines the various monetary and lending actions the Fed took to stabilize financial markets and prevent a complete collapse. While these actions helped avoid a broader meltdown, they did not prevent a "Great Recession" with high unemployment. The Fed also implemented large-scale asset purchase programs to further stimulate the economy. Over time, unemployment has declined though housing issues remain in some areas and hundreds of banks have failed in recent years.
The document discusses financial goals related to giving. It defines healthy giving as giving out of excess that results in positive emotions, and unhealthy giving as using giving to gain power over others. The document provides tips for preparing to give, such as creating a spending plan and avoiding using credit. It also discusses how giving changes throughout one's life cycle, from receiving gifts as a child to giving assets to others in retirement. Finally, it notes how concepts like earnings, savings, and risk management relate to one's ability to give.
Marilyn Geewax presents "2012: The State of the Economy," part of "Economics 101," a three-part webinar series sponsored by the Donald W. Reynolds National Center for Business Journalism.
For more information about free training for business journalists, please visit businessjournalism.org.
1. The document discusses estate planning and outlines average life expectancy in the US.
2. It notes that estate planning creates a clear plan for what happens upon death and addresses care for those who are incapacitated.
3. Estate planning can strengthen family relationships by providing clarity around inheritance and care decisions.
CEIC Indonesia Data Talk: Rupiah Depreciates Amid High Current Account Defici...CEIC Data
The Indonesian rupiah continued to depreciate against the US dollar in July 2013, reaching over IDR10,000/USD for the first time since 2009, due to Indonesia's high and widening current account deficit. Indonesia's foreign currency reserves declined by over USD5 billion in July. The depreciating rupiah and current account deficit are signs of weaker global and domestic demand that are making it difficult for Indonesia to finance its economic needs without foreign investment, which has withdrawn due to the US Federal Reserve's plans to scale back quantitative easing. Bank Indonesia has intervened in currency markets but may allow more depreciation given lower reserves.
Indonesia's economy is slowing down, with GDP growth falling to 5.1% in the second quarter of 2014 due to declining exports and investment. The new administration faces challenges from tightening global liquidity and capital outflows exacerbating the economic slowdown. Real GDP growth is projected to fall further to below 5% for the rest of 2014 and 2015 as the authorities have limited ability to stimulate the economy. However, medium-term growth prospects remain positive if the new administration implements reforms and infrastructure investment to unlock Indonesia's long-term economic potential.
China's latest stimulus measures have helped the economy avoid a hard landing. Real GDP growth slowed to 7.3% in the third quarter of 2014, in line with projections and above the government's 7.5% target. Stimulus including tax breaks, infrastructure spending, and monetary easing boosted growth. However, overall lending growth declined as regulatory restrictions on shadow banking offset stimulus. While stimulus averted a sharp downturn, the economy is expected to continue gradually slowing in line with weaker global and domestic demand.
This document provides information about student loan availability, repayment, and forgiveness programs. It discusses the various federal student loan programs including Direct Loans, Perkins Loans, Parent PLUS Loans, and Graduate PLUS Loans. It also outlines the different federal loan repayment plans and describes options for loan forgiveness such as programs for those who work in public service or volunteer positions. The document aims to help students and parents understand their financial aid and loan repayment options.
A Financial Crisis is a Terrible Thing to Waste: Rapid Learning at the Federa...MicroAssist, Inc
The document discusses the Federal Reserve's response to the 2007-2008 financial crisis and its aftermath. It provides background on the Fed's role and functions, describes the housing bust and resulting crisis, and outlines the various monetary and lending actions the Fed took to stabilize financial markets and prevent a complete collapse. While these actions helped avoid a broader meltdown, they did not prevent a "Great Recession" with high unemployment. The Fed also implemented large-scale asset purchase programs to further stimulate the economy. Over time, unemployment has declined though housing issues remain in some areas and hundreds of banks have failed in recent years.
The document discusses financial goals related to giving. It defines healthy giving as giving out of excess that results in positive emotions, and unhealthy giving as using giving to gain power over others. The document provides tips for preparing to give, such as creating a spending plan and avoiding using credit. It also discusses how giving changes throughout one's life cycle, from receiving gifts as a child to giving assets to others in retirement. Finally, it notes how concepts like earnings, savings, and risk management relate to one's ability to give.
Marilyn Geewax presents "2012: The State of the Economy," part of "Economics 101," a three-part webinar series sponsored by the Donald W. Reynolds National Center for Business Journalism.
For more information about free training for business journalists, please visit businessjournalism.org.
1. The document discusses estate planning and outlines average life expectancy in the US.
2. It notes that estate planning creates a clear plan for what happens upon death and addresses care for those who are incapacitated.
3. Estate planning can strengthen family relationships by providing clarity around inheritance and care decisions.
CEIC Indonesia Data Talk: Rupiah Depreciates Amid High Current Account Defici...CEIC Data
The Indonesian rupiah continued to depreciate against the US dollar in July 2013, reaching over IDR10,000/USD for the first time since 2009, due to Indonesia's high and widening current account deficit. Indonesia's foreign currency reserves declined by over USD5 billion in July. The depreciating rupiah and current account deficit are signs of weaker global and domestic demand that are making it difficult for Indonesia to finance its economic needs without foreign investment, which has withdrawn due to the US Federal Reserve's plans to scale back quantitative easing. Bank Indonesia has intervened in currency markets but may allow more depreciation given lower reserves.
2015-PA-en-Lower down payment regulation to boost loan growth in exchange of ...Putri Amanda Mardiatiwi
The Indonesian government lowered down payment requirements for loans to boost economic growth amid unfavorable conditions. This is expected to increase loan and financing growth, especially in the consumer segment. However, it also raises credit risks as borrowers take on higher debt. Banks and finance companies will face challenges maintaining asset quality as non-performing loans may rise due to the economic slowdown and higher loan-to-value ratios from the new regulation. Ratings on consumer finance companies are expected to remain stable despite increased risks.
The document summarizes recent economic developments and outlook for Indonesia. Key points:
- Tightening global liquidity led to capital outflows from Indonesia, weakening the currency and pushing up inflation in 2013-2014. In response, interest rates were hiked and export restrictions introduced.
- Real GDP growth slowed to 5.1% in 2014, as exports and investment declined. Inflation has slowed to 4.0% in line with tighter monetary policy. The current account deficit widened to 4.3% of GDP due to weak exports and high imports.
- The new government faces challenges of slowing growth amid tight policies. Growth is forecast to further slow in the near term before recovering on reforms and export growth
The banking industries in India and China face growing asset quality concerns due to rising non-performing assets (NPAs) from loans to politically connected and heavily indebted borrowers. In India, NPAs in public banks have sharply increased and threaten banking system stability, while authorities have taken steps to address the problem. However, China seems to be ignoring the full extent of its similar NPA problem. Both countries pursued accommodative monetary policies in response to economic challenges, but India's banking sector credit growth has slowed as NPAs have increased, while China saw rapid credit expansion and a tripling in banking assets.
The document discusses whether China will meet its 2015 economic growth target of around 7%. It outlines some key headwinds facing the Chinese economy, including slowing global demand, weak private consumption growth, and risks in the real estate and shadow banking sectors. The government plans fiscal and monetary stimulus measures to help offset these challenges and achieve the 7% target. Growth is expected to be slightly below 7% due to domestic and foreign headwinds, but the stimulus measures should help keep it broadly in line with the target.
The document provides an economic update and outlook for various markets including equity, debt, commodities, real estate, and forex. It discusses recent inflation and growth trends in India and globally. Recommendations are given to overweight sectors like healthcare, telecom and IT while remaining neutral or underweight on others given the domestic and international economic environment.
- The Indonesian economy has grown rapidly in recent decades but growth has slowed from 6.4% in 2010 to an average of 4.7% in the first half of 2015 due to tight financial conditions, weak external demand from China, and a broad-based slowdown in consumption, investment, and exports.
- Inflation rose to 7.5% in 2015 as cuts to fuel subsidies and import tariffs pushed up prices, while the current account deficit narrowed to 1.8% of GDP as imports fell more than exports.
- The report forecasts that growth will recover to 5.0% in 2016 as infrastructure investment increases, then to 5.5% in 2017 as financial conditions ease, while
The document summarizes recent economic trends in Mongolia. It notes that GDP growth slowed to 7.8% in 2014 from higher growth in previous years, due to a drop in foreign direct investment and monetary tightening in response to inflationary pressures. Inflation remained high at around 12.8% for the year while the current account deficit persisted. Fiscal deficits also remained elevated. Growth is forecast to further slow to 3.0% in 2015 and then recover slightly to 5.0% in 2016, while inflation moderates, as monetary and fiscal policy are tightened to address economic imbalances.
- Real GDP growth in India slowed to 5.0% in 2013/14 due to the impact of US tapering of quantitative easing, supply bottlenecks, and policy uncertainty. Inflation also moderated to 5.5% in October 2014 from an average of 9.5% in 2013/14 due to tighter monetary policy and lower commodity prices.
- The current account deficit narrowed significantly to 1.8% of GDP in 2013/14 from 4.7% in 2012/13 as a result of the Indian Rupee depreciation and gold import restrictions.
- Lending growth moderated to 11.6% by end-March 2014 and further to 10% by end-September 2014 due
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Signature content of MTBiz is its Article of the Month (AoM), as depicted on Cover Page of each issue, with featured focus on different issues that fall into the wide definition of Market, Business, Organization and Leadership. The AoM also covers areas on Innovation, Central Banking, Monetary Policy, National Budget, Economic Depression or Growth and Capital Market. Scale of coverage of the AoM both, global and local subject to each issue.
MTBiz is a monthly Market Review produced and distributed by Group R&D, MTB since 2009.
Industrial loans continue to be the key driver of overall loan growth in India, with industries such as mining, metals and infrastructure remaining major contributors. Agricultural loan growth improved marginally on a year-over-year basis but still lags overall growth. Retail loan growth moderated further due to slowing housing loans, though other segments like vehicle and education loans grew strongly. The services sector saw loan growth in line with overall levels, led by the strong performance of non-banking financial companies.
Indonesia 2023 Macro Outlook (10-05-2023)Harry Purdie
The document summarizes the economic outlook for Indonesia in 2023. Key points include:
- Inflation has moderated, allowing the central bank to adopt a more dovish monetary policy stance with no further interest rate hikes expected.
- Economic growth is projected at 4.5-5.3% in 2023, driven by private consumption, investment, and trade.
- The current account surplus supporting the Rupiah currency is expected to narrow as commodity export growth weakens, posing a risk.
- Barring deterioration in growth or currency stability, the central bank may begin cutting rates in the third quarter to support the economy.
The RBI released data on credit deployment by Indian banks in April 2012. Key highlights include:
- Non-food credit growth was 16.5% YoY, declining from the previous month.
- Industrial loans grew faster than retail or agriculture loans. Mining, metals and cement saw strong growth.
- Infrastructure loan growth moderated further. Power and roads saw healthy growth while telecom declined.
- Personal and housing loan growth also moderated. Vehicle, education and credit card loans grew strongly.
- Services loan growth was driven by NBFCs and trade. Agricultural loan growth improved YoY.
The document summarizes the results of a survey of Latvian household borrowers conducted in 2013 to assess their financial vulnerability. It finds that 10.2% of household borrowers can be considered vulnerable, with negative financial margins, though this is a slight improvement from 11.2% in 2011. While household debt burdens have decreased slightly, borrowers remain sensitive to declines in income or increases in interest rates. Unemployment shocks would have a more moderate impact due to unemployment benefits. Overall vulnerability has decreased modestly in recent years but potential losses to lenders remain limited.
The document provides an analysis of the Indian power sector. It notes that the power sector is one of the largest and most important industries in India. The power sector fulfills the energy requirements of other industries and is critical to economic growth. The document summarizes the sources of power generation in India, with thermal power making up the majority at 83% and sourced primarily from coal. Hydro and nuclear power are also discussed as other sources of generation. Public sector entities have the largest share of installed power capacity in India at over 75%.
Change in monetary policy last 5 years in Bangladesh Ifte Tanim
The document summarizes Bangladesh's monetary policy over the past 5 years from 2011-2014. It discusses the objectives, approaches and impacts of monetary policy during each 6-month period. The objectives varied between being expansionary to support growth and being restrictive to control inflation. Key approaches involved targeting money supply growth and adjusting policy rates. Impacts included changes in GDP growth, inflation rates, credit growth, exports and imports. Monetary targets were regularly adjusted based on economic conditions.
The document provides an economic update and outlook for India. It notes that India's GDP growth was 4.8% in the last quarter, slightly higher than the previous quarter's 4.7% but below the previous year's 6.2%. Industrial production growth slowed to 2% in April 2013. While inflation tapered to 4.7% due to fuel prices, food inflation increased to 7.64% due to higher vegetable prices. The RBI kept interest rates unchanged to address inflation risks and the current account deficit given the rupee's sharp depreciation from reversal of foreign institutional investment debt inflows on expectations of reduced US stimulus.
The document provides an economic update and outlook for India. It notes that India's GDP growth was 4.8% in the last quarter, slightly higher than the previous quarter's 4.7% but below the previous year's 6.2%. Industrial production growth slowed to 2% in April 2013. While inflation tapered to 4.7% due to fuel prices, food inflation increased to 7.64% due to higher vegetable prices. The RBI kept interest rates unchanged and will focus on inflation and the current account deficit over growth. Bank credit growth was lower and the rupee depreciated due to reversal of foreign institutional investment inflows.
A Deep Dive into the Indian Union Budget 2022aakash malhotra
What does the Union Budget 2022 mean for the Indian economy? Explore all the major announcements made by the Indian Finance Minister surrounding economic indicators, direct taxes, existing policies, indirect taxes and major industries. A detailed analysis by Deloitte experts. Everything you need to know in one place.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
2015-PA-en-Lower down payment regulation to boost loan growth in exchange of ...Putri Amanda Mardiatiwi
The Indonesian government lowered down payment requirements for loans to boost economic growth amid unfavorable conditions. This is expected to increase loan and financing growth, especially in the consumer segment. However, it also raises credit risks as borrowers take on higher debt. Banks and finance companies will face challenges maintaining asset quality as non-performing loans may rise due to the economic slowdown and higher loan-to-value ratios from the new regulation. Ratings on consumer finance companies are expected to remain stable despite increased risks.
The document summarizes recent economic developments and outlook for Indonesia. Key points:
- Tightening global liquidity led to capital outflows from Indonesia, weakening the currency and pushing up inflation in 2013-2014. In response, interest rates were hiked and export restrictions introduced.
- Real GDP growth slowed to 5.1% in 2014, as exports and investment declined. Inflation has slowed to 4.0% in line with tighter monetary policy. The current account deficit widened to 4.3% of GDP due to weak exports and high imports.
- The new government faces challenges of slowing growth amid tight policies. Growth is forecast to further slow in the near term before recovering on reforms and export growth
The banking industries in India and China face growing asset quality concerns due to rising non-performing assets (NPAs) from loans to politically connected and heavily indebted borrowers. In India, NPAs in public banks have sharply increased and threaten banking system stability, while authorities have taken steps to address the problem. However, China seems to be ignoring the full extent of its similar NPA problem. Both countries pursued accommodative monetary policies in response to economic challenges, but India's banking sector credit growth has slowed as NPAs have increased, while China saw rapid credit expansion and a tripling in banking assets.
The document discusses whether China will meet its 2015 economic growth target of around 7%. It outlines some key headwinds facing the Chinese economy, including slowing global demand, weak private consumption growth, and risks in the real estate and shadow banking sectors. The government plans fiscal and monetary stimulus measures to help offset these challenges and achieve the 7% target. Growth is expected to be slightly below 7% due to domestic and foreign headwinds, but the stimulus measures should help keep it broadly in line with the target.
The document provides an economic update and outlook for various markets including equity, debt, commodities, real estate, and forex. It discusses recent inflation and growth trends in India and globally. Recommendations are given to overweight sectors like healthcare, telecom and IT while remaining neutral or underweight on others given the domestic and international economic environment.
- The Indonesian economy has grown rapidly in recent decades but growth has slowed from 6.4% in 2010 to an average of 4.7% in the first half of 2015 due to tight financial conditions, weak external demand from China, and a broad-based slowdown in consumption, investment, and exports.
- Inflation rose to 7.5% in 2015 as cuts to fuel subsidies and import tariffs pushed up prices, while the current account deficit narrowed to 1.8% of GDP as imports fell more than exports.
- The report forecasts that growth will recover to 5.0% in 2016 as infrastructure investment increases, then to 5.5% in 2017 as financial conditions ease, while
The document summarizes recent economic trends in Mongolia. It notes that GDP growth slowed to 7.8% in 2014 from higher growth in previous years, due to a drop in foreign direct investment and monetary tightening in response to inflationary pressures. Inflation remained high at around 12.8% for the year while the current account deficit persisted. Fiscal deficits also remained elevated. Growth is forecast to further slow to 3.0% in 2015 and then recover slightly to 5.0% in 2016, while inflation moderates, as monetary and fiscal policy are tightened to address economic imbalances.
- Real GDP growth in India slowed to 5.0% in 2013/14 due to the impact of US tapering of quantitative easing, supply bottlenecks, and policy uncertainty. Inflation also moderated to 5.5% in October 2014 from an average of 9.5% in 2013/14 due to tighter monetary policy and lower commodity prices.
- The current account deficit narrowed significantly to 1.8% of GDP in 2013/14 from 4.7% in 2012/13 as a result of the Indian Rupee depreciation and gold import restrictions.
- Lending growth moderated to 11.6% by end-March 2014 and further to 10% by end-September 2014 due
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Signature content of MTBiz is its Article of the Month (AoM), as depicted on Cover Page of each issue, with featured focus on different issues that fall into the wide definition of Market, Business, Organization and Leadership. The AoM also covers areas on Innovation, Central Banking, Monetary Policy, National Budget, Economic Depression or Growth and Capital Market. Scale of coverage of the AoM both, global and local subject to each issue.
MTBiz is a monthly Market Review produced and distributed by Group R&D, MTB since 2009.
Industrial loans continue to be the key driver of overall loan growth in India, with industries such as mining, metals and infrastructure remaining major contributors. Agricultural loan growth improved marginally on a year-over-year basis but still lags overall growth. Retail loan growth moderated further due to slowing housing loans, though other segments like vehicle and education loans grew strongly. The services sector saw loan growth in line with overall levels, led by the strong performance of non-banking financial companies.
Indonesia 2023 Macro Outlook (10-05-2023)Harry Purdie
The document summarizes the economic outlook for Indonesia in 2023. Key points include:
- Inflation has moderated, allowing the central bank to adopt a more dovish monetary policy stance with no further interest rate hikes expected.
- Economic growth is projected at 4.5-5.3% in 2023, driven by private consumption, investment, and trade.
- The current account surplus supporting the Rupiah currency is expected to narrow as commodity export growth weakens, posing a risk.
- Barring deterioration in growth or currency stability, the central bank may begin cutting rates in the third quarter to support the economy.
The RBI released data on credit deployment by Indian banks in April 2012. Key highlights include:
- Non-food credit growth was 16.5% YoY, declining from the previous month.
- Industrial loans grew faster than retail or agriculture loans. Mining, metals and cement saw strong growth.
- Infrastructure loan growth moderated further. Power and roads saw healthy growth while telecom declined.
- Personal and housing loan growth also moderated. Vehicle, education and credit card loans grew strongly.
- Services loan growth was driven by NBFCs and trade. Agricultural loan growth improved YoY.
The document summarizes the results of a survey of Latvian household borrowers conducted in 2013 to assess their financial vulnerability. It finds that 10.2% of household borrowers can be considered vulnerable, with negative financial margins, though this is a slight improvement from 11.2% in 2011. While household debt burdens have decreased slightly, borrowers remain sensitive to declines in income or increases in interest rates. Unemployment shocks would have a more moderate impact due to unemployment benefits. Overall vulnerability has decreased modestly in recent years but potential losses to lenders remain limited.
The document provides an analysis of the Indian power sector. It notes that the power sector is one of the largest and most important industries in India. The power sector fulfills the energy requirements of other industries and is critical to economic growth. The document summarizes the sources of power generation in India, with thermal power making up the majority at 83% and sourced primarily from coal. Hydro and nuclear power are also discussed as other sources of generation. Public sector entities have the largest share of installed power capacity in India at over 75%.
Change in monetary policy last 5 years in Bangladesh Ifte Tanim
The document summarizes Bangladesh's monetary policy over the past 5 years from 2011-2014. It discusses the objectives, approaches and impacts of monetary policy during each 6-month period. The objectives varied between being expansionary to support growth and being restrictive to control inflation. Key approaches involved targeting money supply growth and adjusting policy rates. Impacts included changes in GDP growth, inflation rates, credit growth, exports and imports. Monetary targets were regularly adjusted based on economic conditions.
The document provides an economic update and outlook for India. It notes that India's GDP growth was 4.8% in the last quarter, slightly higher than the previous quarter's 4.7% but below the previous year's 6.2%. Industrial production growth slowed to 2% in April 2013. While inflation tapered to 4.7% due to fuel prices, food inflation increased to 7.64% due to higher vegetable prices. The RBI kept interest rates unchanged to address inflation risks and the current account deficit given the rupee's sharp depreciation from reversal of foreign institutional investment debt inflows on expectations of reduced US stimulus.
The document provides an economic update and outlook for India. It notes that India's GDP growth was 4.8% in the last quarter, slightly higher than the previous quarter's 4.7% but below the previous year's 6.2%. Industrial production growth slowed to 2% in April 2013. While inflation tapered to 4.7% due to fuel prices, food inflation increased to 7.64% due to higher vegetable prices. The RBI kept interest rates unchanged and will focus on inflation and the current account deficit over growth. Bank credit growth was lower and the rupee depreciated due to reversal of foreign institutional investment inflows.
A Deep Dive into the Indian Union Budget 2022aakash malhotra
What does the Union Budget 2022 mean for the Indian economy? Explore all the major announcements made by the Indian Finance Minister surrounding economic indicators, direct taxes, existing policies, indirect taxes and major industries. A detailed analysis by Deloitte experts. Everything you need to know in one place.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
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The Evolution and Impact of OTT Platforms: A Deep Dive into the Future of Ent...ABHILASH DUTTA
This presentation provides a thorough examination of Over-the-Top (OTT) platforms, focusing on their development and substantial influence on the entertainment industry, with a particular emphasis on the Indian market.We begin with an introduction to OTT platforms, defining them as streaming services that deliver content directly over the internet, bypassing traditional broadcast channels. These platforms offer a variety of content, including movies, TV shows, and original productions, allowing users to access content on-demand across multiple devices.The historical context covers the early days of streaming, starting with Netflix's inception in 1997 as a DVD rental service and its transition to streaming in 2007. The presentation also highlights India's television journey, from the launch of Doordarshan in 1959 to the introduction of Direct-to-Home (DTH) satellite television in 2000, which expanded viewing choices and set the stage for the rise of OTT platforms like Big Flix, Ditto TV, Sony LIV, Hotstar, and Netflix. The business models of OTT platforms are explored in detail. Subscription Video on Demand (SVOD) models, exemplified by Netflix and Amazon Prime Video, offer unlimited content access for a monthly fee. Transactional Video on Demand (TVOD) models, like iTunes and Sky Box Office, allow users to pay for individual pieces of content. Advertising-Based Video on Demand (AVOD) models, such as YouTube and Facebook Watch, provide free content supported by advertisements. Hybrid models combine elements of SVOD and AVOD, offering flexibility to cater to diverse audience preferences.
Content acquisition strategies are also discussed, highlighting the dual approach of purchasing broadcasting rights for existing films and TV shows and investing in original content production. This section underscores the importance of a robust content library in attracting and retaining subscribers.The presentation addresses the challenges faced by OTT platforms, including the unpredictability of content acquisition and audience preferences. It emphasizes the difficulty of balancing content investment with returns in a competitive market, the high costs associated with marketing, and the need for continuous innovation and adaptation to stay relevant.
The impact of OTT platforms on the Bollywood film industry is significant. The competition for viewers has led to a decrease in cinema ticket sales, affecting the revenue of Bollywood films that traditionally rely on theatrical releases. Additionally, OTT platforms now pay less for film rights due to the uncertain success of films in cinemas.
Looking ahead, the future of OTT in India appears promising. The market is expected to grow by 20% annually, reaching a value of ₹1200 billion by the end of the decade. The increasing availability of affordable smartphones and internet access will drive this growth, making OTT platforms a primary source of entertainment for many viewers.
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Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
Ceic data talk
1. 22 Jul 2015
Households Wary of Further Debts
The growth of commercial banking loans in Indonesia continued to decelerate in May 2015, to just 10.32% year-on-year (YoY) from its
peak in excess of 20% from mid-2010 to early 2014. The slowdown in loan growth is more subdued in terms of household loans
compared to industrial loans given the relatively stable growth rates of household loans (around 20% during 2010-2014). However,
household loan growth slipped just below the 10% mark (to 9.97%) during May 2015 from 13.50% during the same month of the previous
year. Downward growth trend of household loans highlights the difficulties in increasing credit access and contributes to Indonesia’s
already low household debt ratio.
Indonesia’s household debt-to-GDP ratio advanced to a mere 9.94% during 2014, little changed from 9.84% during 2013. This compares
to 84.98% in neighbouring Malaysia, 79.73% in Thailand and 60.61% in Singapore. The Indonesian ratio suggests a comparatively
reduced access to credit among households and general wariness towards banking loans compared to other countries where credit
demand is higher and there is also greater availability. Household loans remain low despite the recent easing of regulations and other
“loan-friendly” policy actions, such as lower interest rates. Loan-to-value requirements have been eased (notably in May 2015) for
housing and automobile loans in a bid to help spur credit demand as a means to boosting the economy.
Indonesia Premium Database
+ Monetary
+ Loans
+ Table ID.KAD001: Commercial and Rural Banks: Loans
The decline in household loans has been consistent with the overall moderation of
economic growth during 2014 and into 2015. Indonesia’s GDP growth rates have
continued to moderate, falling to 4.71% YoY during the first quarter of 2015 from
5.01% during the previous quarter, and 5.14% during the same quarter in 2014.
This, coupled with the adverse global economic trends, and the impending
increase in the US Federal Reserve’s policy interest rate (which is expected during
the second half of 2015), have made Indonesian households increasingly cautious
about taking on debt obligations. Indeed, despite the loosening of monetary policy
in February 2015, when Bank Indonesia, the central bank, lowered its policy rate
by 25 basis points to 7.50%, commercial lending rates on consumer loans have
remained high at 13.76% as of May 2015 (compared to 13.26% in May 2014),
reflecting conservative credit stance of the banking sector.
Further easing of monetary policy may be restricted by the Rupiah’s depreciation
and Indonesia’s presently high inflation rate of 7.26% YoY during June 2015,
exceeding its 2015 inflation target of 4% ±1%. The ‘Eid Al Fitr’ Celebration and the
fasting month of Ramadan (June to July 2015) leading up to the celebration may
increase the demand for credit. However, prevailing low growth (both nationally
and globally) along with the depreciation of the Rupiah may continue to weigh on
sentiment as households adopt a ‘wait-and-see’ approach towards consumption,
and by extension, loan demand. The consumer tendency index declined sharply to
100.87 points during the first quarter of 2015, from 107.62 points during the
previous quarter; there were corresponding declines in the sub-index concerning
intentions to purchase durable goods which similarly declined during the first
quarter of 2015.
Contributed by Yudha Prawira, CEIC Analyst
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