This document outlines challenges faced by the banking sector, as presented by Vishwanath S S, B Girish, and Hitendra Kumar. It identifies 10 key challenges, including financial disintermediation, competition from other investment vehicles, changing capital adequacy norms, effective use of technology, increasing customer expectations, problems posed by non-performing assets, focus on retail banking, need to increase non-interest income, consolidation through mergers and acquisitions, and exposure to enhanced risk in the system. The presentation concludes with a discussion on the way forward for the banking industry.
"GLOBAL FINANCIAL CRISIS AND IT'S IMPACT ON INDIAN ECONOMY"Somnath Pagar
In the subsequent parts of the research report, several issues will be discussed which will provide a detailed account of the origin of the crisis (2008-spiraled mortgage crisis, starting in the United States) and the ripple effect of economic downturn of the world„s largest economy which engulfed even the fast growing emerging economies into the crisis. The main aim of the study is to find relevant answers to questions like:
Why and how India has been hit by the crisis?
How the Indian economy and the Reserve Bank of India have responded to the crisis?
Which are the opportunities arisen from the crises?
etc.
ROLE OF MICRO FINANCE IN ECONOMIC DEVELOPMENT – A THEORETICAL PERSPECTIVEKarthika Nathan
Microcredit plays a critical role in empowering women; helps deliver newfound
respect, independence, and participation for women in their communities and in
their households.
Microfinance is the provision of financial services (loans, savings, insurance) to
people on a small scale, such as businesses with low or moderate incomes, but you
can read more meticulous definitions here and here. Loans of micro value are one of
the better known means of helping small business owners in developing countries
move out of poverty. Microfinance Institutions (MFIs) provide loans and savings
services through a variety of lending models, while micro entrepreneurs use these
services. The theory is that if the poor have access to these services, their financial
lives will be more stable, predictable and secure, allowing them to plan and improve
their livelihoods through education, healthcare and empowerment. Microfinance is
also a means for self-empowerment. One of the reasons attributed to interest rates in
microfinance is the high cost of funds – among other sources, microfinance
providers may obtain loans from commercial banks, who lend to Microfinance
Institutions at market rates.
"GLOBAL FINANCIAL CRISIS AND IT'S IMPACT ON INDIAN ECONOMY"Somnath Pagar
In the subsequent parts of the research report, several issues will be discussed which will provide a detailed account of the origin of the crisis (2008-spiraled mortgage crisis, starting in the United States) and the ripple effect of economic downturn of the world„s largest economy which engulfed even the fast growing emerging economies into the crisis. The main aim of the study is to find relevant answers to questions like:
Why and how India has been hit by the crisis?
How the Indian economy and the Reserve Bank of India have responded to the crisis?
Which are the opportunities arisen from the crises?
etc.
ROLE OF MICRO FINANCE IN ECONOMIC DEVELOPMENT – A THEORETICAL PERSPECTIVEKarthika Nathan
Microcredit plays a critical role in empowering women; helps deliver newfound
respect, independence, and participation for women in their communities and in
their households.
Microfinance is the provision of financial services (loans, savings, insurance) to
people on a small scale, such as businesses with low or moderate incomes, but you
can read more meticulous definitions here and here. Loans of micro value are one of
the better known means of helping small business owners in developing countries
move out of poverty. Microfinance Institutions (MFIs) provide loans and savings
services through a variety of lending models, while micro entrepreneurs use these
services. The theory is that if the poor have access to these services, their financial
lives will be more stable, predictable and secure, allowing them to plan and improve
their livelihoods through education, healthcare and empowerment. Microfinance is
also a means for self-empowerment. One of the reasons attributed to interest rates in
microfinance is the high cost of funds – among other sources, microfinance
providers may obtain loans from commercial banks, who lend to Microfinance
Institutions at market rates.
The expansion of the microfinance market is driven by several significant factors. These include the growth of small and medium-sized businesses, along with increased access to loan facilities for low-income economic groups. The market's growth is further propelled by the offering of financial services that encourage aspiring entrepreneurs to act on their ideas. As a result, the microfinance sector is expanding, and the roles of governments and financial institutions are becoming more pronounced in both developing and underdeveloped countries.
Mastering the Financial World Your Guide to Pursuing an MBA in Banking and Fi...tapmicel20
MBA in Banking and Finance is carefully designed to cover a wide range of important subjects in the financial field. Some of the most important ideas and study areas are:
Learn it in a easy way the reasons why startups faileTailing India
According to the Ministry of Micro, Small and Medium Enterprises, SMEs contribute around 9 per cent to India’s GDP; accounting for as much as 30 per cent of India’s total exports and 45 per cent of the country’s manufacturing output. The SME sector employs over 100 million people who are engaged in activities across industries.
Unfortunately, SMEs still lag from becoming true global contributors and a major reason behind it is lack of adequate finance. Besides, lack of infrastructure, increased costs, reduced profitability, elongated working capital cycles, unavailability of skilled talent and bureaucratic hurdles plague them.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
The expansion of the microfinance market is driven by several significant factors. These include the growth of small and medium-sized businesses, along with increased access to loan facilities for low-income economic groups. The market's growth is further propelled by the offering of financial services that encourage aspiring entrepreneurs to act on their ideas. As a result, the microfinance sector is expanding, and the roles of governments and financial institutions are becoming more pronounced in both developing and underdeveloped countries.
Mastering the Financial World Your Guide to Pursuing an MBA in Banking and Fi...tapmicel20
MBA in Banking and Finance is carefully designed to cover a wide range of important subjects in the financial field. Some of the most important ideas and study areas are:
Learn it in a easy way the reasons why startups faileTailing India
According to the Ministry of Micro, Small and Medium Enterprises, SMEs contribute around 9 per cent to India’s GDP; accounting for as much as 30 per cent of India’s total exports and 45 per cent of the country’s manufacturing output. The SME sector employs over 100 million people who are engaged in activities across industries.
Unfortunately, SMEs still lag from becoming true global contributors and a major reason behind it is lack of adequate finance. Besides, lack of infrastructure, increased costs, reduced profitability, elongated working capital cycles, unavailability of skilled talent and bureaucratic hurdles plague them.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
The new type of smart, sustainable entrepreneurship and the next day | Europe...
CHALLENGES BANKING SECTOR.ppt
1. Page 1 Learning & Development Vertical
Challenges in Banking Industry….
Presentation by MDP participants as part of course curriculum
Presentation by
1. Vishwanath S S
2. B Girish
3. Hitendra Kumar
2. Page 2 Learning & Development Vertical
Imagine future banking industry scenarios in this new world
5. Page 5 Learning & Development Vertical
CHALLENGES FACED BY BANKING SECTOR
1. IMPACT OF FINANCIAL DISINTERMEDIATION
2. COMPETITION FROM OTHER INVESTMENT VEHICLES
3. CHANGING CAPITAL ADEQUECY NORMS (BASEL III)
4. EXPOSURE TO ENHANCED RISK IN SYSTEM
5. EFFECTIVE USE OF TECHNOLOGY
6. INCREASING CUSTOMER EXPECTATIONS
7. PROBLEMS POSED BY NPA
8. FOCUS ON RETAIL BANKING
9. NEED TO INCREASE NON INTEREST INCOME
10. CONSOLIDATION (MERGERS/ AMALGAMATIONS)
