Role of New Payment banks and Small banks - Part - 6Resurgent India
RBI as a part of its push for financial inclusion, recently granted ‘in-principle’ licenses for 11 payment banks and 10 small finance banks. Apart from this, the two new universal banks- Bandhan Bank Ltd and IDFC Bank Ltd which were awarded banking licenses by the RBI recently have already begun commercial operations.
White paper payment banks - changing landscape of retail bankingRSM India
The RBI has recently decided to grant in-principle approval to 11 applicants for setting up ‘Payment Banks.’ This move is to enhance financial inclusion by providing access to small saving accounts and payments, migrant labour work force, small businesses in unorganized sectors, etc. The payment banks are expected to use high technology platform to provide services at low cost, thereby redefining the retail banking landscape.
We are pleased to attach our White Paper: ‘Payment Banks – Changing Landscape of Retail Banking’ and trust you will find the same useful.
Role of New Payment banks and Small banks - Part - 6Resurgent India
RBI as a part of its push for financial inclusion, recently granted ‘in-principle’ licenses for 11 payment banks and 10 small finance banks. Apart from this, the two new universal banks- Bandhan Bank Ltd and IDFC Bank Ltd which were awarded banking licenses by the RBI recently have already begun commercial operations.
White paper payment banks - changing landscape of retail bankingRSM India
The RBI has recently decided to grant in-principle approval to 11 applicants for setting up ‘Payment Banks.’ This move is to enhance financial inclusion by providing access to small saving accounts and payments, migrant labour work force, small businesses in unorganized sectors, etc. The payment banks are expected to use high technology platform to provide services at low cost, thereby redefining the retail banking landscape.
We are pleased to attach our White Paper: ‘Payment Banks – Changing Landscape of Retail Banking’ and trust you will find the same useful.
The Reserve Bank of India has proposed major reforms in banking sector with issue of guidelines for setting up “Small and Payment Banks” which will cater to marginalized sections of the Society, including migrant laborers, for collecting deposits and remitting funds.
These banks will provide a whole suite of basic banking products such as deposits and supply of credit, but in a limited area of operation. The payments banks will offer a limited range of products such as acceptance of demand deposits and remittances of funds. They will have a widespread network of access points particularly in remote areas, either through their own branch network or through Business Correspondents (BCs)/agents or through networks provided by others.
This ppt you could find RBI's move for setting-up payment banks-India Post which received a license will be a big competitor for other banks,SBI-RIL tie-up for payment bank,RBI's next move on small-finance banks,,creation of around 25,000jobs in Indian economy due to new banks
The Indian post payment was setuped in 30 Jan 2016
Headquarter is situated in new Delhi
There was a plan to setup around 650 post payments bank branches
The Reserve Bank of India has proposed major reforms in banking sector with issue of guidelines for setting up “Small and Payment Banks” which will cater to marginalized sections of the Society, including migrant laborers, for collecting deposits and remitting funds.
These banks will provide a whole suite of basic banking products such as deposits and supply of credit, but in a limited area of operation. The payments banks will offer a limited range of products such as acceptance of demand deposits and remittances of funds. They will have a widespread network of access points particularly in remote areas, either through their own branch network or through Business Correspondents (BCs)/agents or through networks provided by others.
This ppt you could find RBI's move for setting-up payment banks-India Post which received a license will be a big competitor for other banks,SBI-RIL tie-up for payment bank,RBI's next move on small-finance banks,,creation of around 25,000jobs in Indian economy due to new banks
The Indian post payment was setuped in 30 Jan 2016
Headquarter is situated in new Delhi
There was a plan to setup around 650 post payments bank branches
Credit Analysis and Risk Management of Standard Bank LimitedAriful Saimon
An Internship Report
On
“Credit Analysis and Risk Management of Standard Bank Limited”
Submitted to:
Mrs. Tanbina Tabassum
Assistant Professor
Department of Finance
Faculty of Business Studies
Premier University, Chittagong.
Submitted by:
Md. Shahadat Hossain
ID: 1502220802160
Major: Finance
Program: MBA (1 year), Batch: 22nd
Premier University
Date of Submission:
One of the major concerns is the quality of bank lending. Maintaining rigorous credit standards is a significant challenge particularly in an environment for new competition and clients. There is a need for evaluating the borrower behavior rather than the cash flow analysis. The banking sector is facing a big burden with the increase in NPA’s. Therefore it is imperative that the banks conduct a strict credit appraisal. The term credit appraisal basically refers to the judging the credit worthiness of a borrower.
The main purpose of the report is to understand the different techniques applied while conducting a credit appraisal. For the purpose of credit appraisal Jai Prakash Power Venture Ltd a power generation and distribution company will be appraised based on various parameters like company background, background of the promoters, business of the company, financial statement analysis of the company the company valuation and other such factors.
Credit Appraisal System IN Commercial Vehicle loans Undertaken at INDIA INFOL...Danish Dhaar
Summer Training Project Report on
Credit Appraisal System IN Commercial Vehicle loans
Undertaken at
INDIA INFOLINE FINANCE LTD
Submitted in Partial Fulfilment of the Requirement for the Award of the Degree of
Master of Business Administration
By
Danish Showkat Dhar
Roll No.14036113030
Reg. No.:-29437-IC-2011
Under The Supervision of
MR. Sachin Gupta
(AVP: CREDIT & OPS)
INDIA INFOLINE FINANCE LTD
DEPT. OF MANAGEMENT STUDIES
SOUTH CAMPUS UNIVERSITY OF KASHMIR
ANANTNAG
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
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.
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Assessment Of Credit Application
1. Topic:
Assessment Of Credit Application
Presented to: Sir Rizwan Hamid
Presented by: Mateen Altaf
Class: MBA (B&F) 3rd semester
Subject: Financial Management(8513)
Allama Iqbal Open
University, Islamabad
2. Acknowledgment
First of all thanks to ALLAH, Who is most beneficent & the
most merciful, Whose blessings are abundant & favors are
unlimited.
It’s my pleasure to acknowledge the guidance and support
of my subject teacher Mr. “Rizwan Hamid” for his endless
guidance.
I would also like to acknowledge the “ United Bank
Limited“.
3. Introduction
What Is Credit Application?
A credit application is a questionnaire that a lender or
business will require you to complete before lending you
money or extending credit to you.
A lender uses a credit application to determine your credit
worthiness.
SOURCE: Terence Channon, eHow Contributor
5. Assessment Of Credit
Application
The information you provide on a credit application tells a
story about your ability to handle money. Whether you are
looking to finance a home, a car or future purchases, a
potential lender uses this information not only to assess
your ability to repay, but to determine whether or not you
will repay.
6. The credit application process usually involves investigation,
verification and assessment before your lender makes a final
determination.
Credit Report
Verification
Assessment
Automated
Manual
7. Practical Study
United bank limited established in 7th
November 1959. By June 1960, shortly
after six months of opening its doors to
the public, UBL had branches in Karachi,
Lahore, Dacca, Lyallpur, Chittagong and
Narayangaj. In 1963 UBL became the first
bank in Pakistan to have a branch
overseas-on William Street in London.
In 1990,s the govt. of Pakistan decided to change the face of banking by
creating a blueprint to privatize UBL. 52 years of glorious history now
UBL have more than 1300 branches in Pakistan and under the
supervision of Chairman Sir Anwar Pervez. Its 15 branches outside the
country.
8. SWOT Analysis
Strength:
UBL offering Customized Products and services. Aggressively
better then its competitors.
Weakness:
UBL is a step behind in using new technology as compared
to other banks.
9. Opportunity:
By bringing new technology and modern business processes
will bring the change and increase their profitability.
Threats:
Competitors are the biggest threat to United Bank
Limited.
10. In United Bank Limited, it indicates that the process of
assessing credit application is working effectively in the
company.
Conclusion
