This PPT gives the Introduction to the financial services, their strengths, weakness, opportunities as well as Trends in Banking & Financial Services.
This presentation also includes the Recent developments in the finance field and the strategies to manage demand and capacity within the Financial Service Industry. It also presents the information about the major types of financial services and 7Ps of the same.
This presentations chalks out in detail information about ALM in Indian Bank. It starts with the basics of Balance sheet; applicability of ALM in real life; Evolution and then starts with main topics of ALM like structured statement; Liquidity risk, its management; currency risk and finally ends with Interest Risk management.
Links to Video’s in the ppt
Balance Sheet
http://www.investopedia.com/terms/b/balancesheet.asp
NII/NIM
http://www.investopedia.com/terms/n/netinterestmargin.asp
www.abhijeetdeshmukh.com
This presentations chalks out in detail information about ALM in Indian Bank. It starts with the basics of Balance sheet; applicability of ALM in real life; Evolution and then starts with main topics of ALM like structured statement; Liquidity risk, its management; currency risk and finally ends with Interest Risk management.
Links to Video’s in the ppt
Balance Sheet
http://www.investopedia.com/terms/b/balancesheet.asp
NII/NIM
http://www.investopedia.com/terms/n/netinterestmargin.asp
www.abhijeetdeshmukh.com
FinTech will revolutionize investment banking in many ways. It uses innovation to dramatically increase efficiency and leverage advanced technologies like The Cloud and AI. As a result, investment institutions must adapt to technological advances to remain competitive.
FinTech will revolutionize investment banking in many ways. It uses innovation to dramatically increase efficiency and leverage advanced technologies like The Cloud and AI. As a result, investment institutions must adapt to technological advances to remain competitive.
Solving Financial Constraints with Innovative Funding SolutionGilbert Tam 譚耀宗
After the credit crunch in 2008, SMEs though they are amounted to the 80-90% of business activites but their access to funding has been greatly impacted by the traditional lenders, banks, that after the 2008 credit cruch are reluctant to maintain such business if no "bricks and mortar" are provided by sellers.
Pacific Microfinance Week, is an event hosted by Microfinance Pacifika Network (MFPN) and the Foundation for Development Corporation (FDC) and provides a platform for stakeholders to discuss and share achievements, visions and priorities in fostering the growth of microfinance and financial inclusion throughout the Pacific. Manoj Sharma, Director, MicroSave actively participated in the program where he moderated a session on Global and Asia Region Trends and Initiatives. In this presentation he draws upon the global best practices and focuses on business model alternatives, and builds a case for making a thought through selection of the business model including the front end technology while always keeping the clients’ need at the centre of the business.
Different Types of Financial Institutions 2024...pptxM1NXT
The ever-going evolution and advancements in technology and related services have changed the world in almost every aspect. The change is also visible in the world of finance. If one is not well-versed in these technological updates, they might feel baffled simply by so much going on around them, especially if they’re associated with financial management and institutions in any capacity.
Visit: https://medium.com/@m1nxt/different-types-of-financial-institutions-2024-4ba837a7a175
From account opening to insurance underwriting to payments to peer-to-peer lending, FinTechs are innovating across areas and offering differentiated customer experience. India Fintech Ecosystem has been growing well over the last five years and many of these successful startups are now getting ready for international rollouts.
www.thedigitalfifth.com
The FinTech sector has grown rapidly in last few years and is on track of ever evolving track. Prior to 2008 financial crisis, the traditional banking sector was the only playground available for financial needs. The financial crisis collapsed the traditional banking & financial mechanism and paved the way for more secure and updated financial transaction which led to emergence of FinTech, which has altered the economic viability of traditional banking sector participants to originate loans, translating into contraction of the credit supply for individuals and SMEs.
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Payments has been the frontrunner in the large scale consumer adoption of Fintech in India, aided by the spread of smartphones and mobile internet at affordable price points. Most FinTech players started out by identifying a niche/use case for building a customer base ( e.g. Paytm for online payments, Ola Money for cab payments, Airtel Money for phone bills etc.) and then expanding onto other services.
Indian regulatory authorities including RBI, SEBI & IRDA have adopted an accommodative stance towards an emerging Fintech sector without bringing in prohibitive guidelines to over regulate the sector. Despite catching up with the rapidly evolving eco system, Indian regulators have adopted a consultative approach and have been proactively foreseeing the need for adequate regulations, especially in the areas concerning public funds i.e. peer-to-peer lending, crowd funding and alternative currencies.
Describes in detail the market potential of Rural Agri-Laborers, with an analysis of the segment profile, noting global trends. Also, the addressable needs of the Future Silver Economy, such as financing, insurance and payments are detailed as well, with each need paired with how Financial Instiutions can step in to address the needs such as a solution that allows for instant fund withdrawal, insure the most valuable portions of their crops and a mobile solution that records terms of contract and automates payments. To top things off, a case study is provided to elucidate how EY has helped our client to better target the Rural Agri-Laborers.
Biological screening of herbal drugs: Introduction and Need for
Phyto-Pharmacological Screening, New Strategies for evaluating
Natural Products, In vitro evaluation techniques for Antioxidants, Antimicrobial and Anticancer drugs. In vivo evaluation techniques
for Anti-inflammatory, Antiulcer, Anticancer, Wound healing, Antidiabetic, Hepatoprotective, Cardio protective, Diuretics and
Antifertility, Toxicity studies as per OECD guidelines
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Francesca Gottschalk - How can education support child empowerment.pptxEduSkills OECD
Francesca Gottschalk from the OECD’s Centre for Educational Research and Innovation presents at the Ask an Expert Webinar: How can education support child empowerment?
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Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
BÀI TẬP BỔ TRỢ TIẾNG ANH GLOBAL SUCCESS LỚP 3 - CẢ NĂM (CÓ FILE NGHE VÀ ĐÁP Á...
Financial Services Industry
1. Financial Services and Recent
Developments
Presented By:-
Name:- Adamya Kumar
- A topic of Marketing of Services
2. Introduction to the Financial Services
Financial services are the economic services provided by the finance industry. It
encompasses various range of businesses that mange money, including credit unions,
credit card companies, banks, insurance companies, accounting agencies. These
services are present in all the areas of the country from rural to urban areas and
business capitals. This industry is the backbone of Economic Structure of the country.
3. Strengths of the Financial Services Industry
It is one of the oldest industries
Initially it started with barter system but now it has branched out
providing numerous sub-services to individuals and companies.
Thus this system will exist for time we can think of.
A leader in economic growth
Supply and demand have fostered this growth and also improved
financial trade, financial stability, and financial security. It’s also
one factor behind increased employment and the reduction of
worldwide poverty.
4. Strengths of the Financial Services Industry
Financial support after a crisis
After experiencing a loss or natural calamity, the banking industry
helps customers get back on their feet. Insurance, investment and
loan options are to thank for this.
Digital banking convenience
It’s now easier than ever to do banking and investing online.
You can deposit your check, pay your bills, and apply for a
credit card without stepping foot into your bank’s branch.
5. Weaknesses of the Financial Services Industry
• Lack of worldwide coordination
Because the banking industry handles finances, it’s a vulnerable industry.
It also relies heavily on the coordination of the economy, but this is a
problem on a global scale.
• Old technology leads to vulnerabilities
Many banks still use outdated IT infrastructure to host online services. For
instance, some banking websites don’t use case sensitive passwords or
allow customers to put special characters in passwords. This makes
passwords extremely weak and easy for hackers to brute-force into your
accounts.
6. Weaknesses of the Financial Services Industry
• No access to rural areas
Rural regions don’t have access to banking and services. Part of this is
because of conflicts between government objectives and banking
objectives. Another reason for the lack of access is because providing
services to rural areas can be more trouble than it’s worth financially.
7. Opportunities for the Financial Services Industry
Move into rural regions
As mentioned in the weaknesses section, the banking
industry hasn’t approached rural areas yet. It’s an
opportunity to get more customers, but achieving
such a move isn’t a small feat. It may take dozens of
years before this approach is successful.
Offer more or lose customers
Banks should keep up with consumer demands and demographic changes.
Having a banking app isn’t enough — consumers (especially millennials) crave
more options. Providing what people want will require heavy research from
companies. It will also require segmenting customers to create custom-service
options.
8. Threats for the Financial Services Industry
Recessions
The biggest threat to any industry handling money
is a recession. It’s the most critical threat that can
make or break a business. If small and big
businesses fall, it’ll have a direct consequence on
the banking industry.
High competition
Banks have a ton of competition; not just with other banks, but with other
alternative finance companies. This includes mutual fund companies and
insurance companies. This can lead to overcrowding and can leads to
cannibalism.
9. Data breaches
With more online options, it also increases the risk for data breaches. People give
other websites like invoicing companies (like PayPal) access to their bank to receive
and transfer money. If these companies have a breach, it gives hackers access to
personal bank accounts. Although there is nothing banks can do for breaches on
other websites they can make sure their own is heavily protected against hackers.
10. 7P’s of marketing in financial services
1. Products: Means or tools to provide the financial services
• Deposits:- In various form such as banks provides different types
of accounts.
• Advances and loans- Credit facilities and advance payments on
account holder’s behalf. Loans such as car, property, personal,
housing, Education loans etc.
• Consultancy:- Advising individuals for investing in businesses
or performing mergers and acquisition
• Investment:- Market Investment of capital, Mutual funds,
forex, Gold investment
• Internet banking and Mobile banking
• Agriculture banking and micro credits
11. 3. Pricing
• Interest rates
• Consultancy fees
• Commission
4. Place
• Home/Office
• ATM
• Bank premise and institutional centers
2. Promotion
• Advertising: Television, movie theatres, radio, internet
advertising
• Print advertising : Print media such as newspapers,
magazines, Hoardings
• Publicity: Road shows, campus visits, sponsorships
• Sales promotion: Gifts discounts, commissions, incentives etc.
• Personal selling: Cross sales, personal promotions and
personalized services
12. 5. People
Branch managers
Front line officers
Employees
Customers
6. Process
Opening a bank account
Filling broker form, Adopting an
insurance plan and others
7. Physical evidence
• Signage
• Hoardings and billboards
• Financial Statement and reports
• Tangibles
• Punch lines
13. Major types of financial services
1. Corporate bank services
These include tasks such as
• Keeping money safe and allowing withdrawals
• Managing salary accounts
• Providing personal, home, mortgage and other types
of loans.
• Providing facilities such as current account, fixed
accounts and trading or Demat accounts
• Issue of credit and debit cards
• Providing Internet banking services.
14. Major types of financial services
2. Investment banking services
• Structured finances: Developing financial
products for high net worth individuals and
intricate business.
• Advising companies in mergers and acquisitions
• The perform brokerage services also such as
making payments on behalf of the companies
• Private banking services
• Help in restructuring of business and other units.
15. Major types of financial services
3. Foreign exchange services
• Currency exchange
• Wired international transfers
• Migrant workers sending money to their home countries
4. Other financial services
• Angel investments providing individuals or companies
• Payment recovery services
• Debt resolutions providing companies:- A consumer service that
assists individuals that have too much debt to pay off as
requested, but do not want to file bankruptcy and wish to pay off
their debts owed
16. Strategies to manage demand and capacity within the
Financial Service Industry
The two methods to manage Demand and capacity are:-
1. The manager can attempt to
affect demand by :-
• Developing off-peak pricing
schemes
• Non peak promotions
• Complementary services
• Reservation system
2. The manager has more direct
influence on the supply aspects of
capacity planning than on the
demand size, To this advantage
manager can:-
• Using part time employees
• Maximizing efficiency
• Sharing capacity
• Investing in the expansion ante
• Seeking the best fit
17. Trends in Banking and Financial Services in India
The Banking industry and financial institutions are vital sectors of any economy.
Development of these two sections of the economy can impact the growth of the
country in an incredible way. In the era of “Digital India”, the banking and financial
services in India have undergone a massive evolution and the phenomenon
continues. Few Trends in Banking and Financial Services in India that Are Changing
the Entire Scenario are:-
1. Digitization
With the rapid growth of digital technology, it
became imperative for banking and financial
services in India to keep up with the changes and
innovate digital solutions for the tech-savvy
customers. Besides the financial institutions,
insurance, healthcare, retail, trade, and commerce
are some of the major industries that are
experiencing the enormous digital shift.
18. Trends in Banking and Financial Services in India
2. Enhanced Mobile Banking
Mobile banking is one of the most dominant current trends in banking
systems. As per the definition, it is the use of a smartphone to perform various
banking procedures like checking account balance, fund transfer, and bill
payments, without the need of visiting the branch. This trend has taken over
the traditional banking systems.
19. 3. UPI (Unified Payments Interface)
UPI or Unified Payments Interface has changed the way payments are made. It is a
real-time payment system that enables instant inter-bank transactions with the use
of a mobile platform. In India, this payment system is considered the future of retail
banking. It is one of the fastest and most secure payment gateways that is
developed by National Payments Corporation of India and regulated by the Reserve
Bank of India. This system makes funds transfer available 24 hours, 365 days unlike
other internet banking systems.
20. 4. Artificial Intelligence Robots
Several private and nationalized banks in India have started to adopt
chat-bots or Artificial intelligence robots for assistance in customer support
services. For now, the use of this technology is at a nascent stage and
evolution of these chat-bots is not too far away. Usage of chat-bots is
among the many emerging trends in the Indian banking sector that is
expected to grow.
21. 5. The Rise of Fin-tech Companies
Previously, banks considered Fin-tech companies a disrupting force. However, with
the changing trends in the financial services sector in India, Fin-tech companies
have become an important part of the sector. The industry has emerged as a
significant part of the ecosystem. With the use of financial technology, these
companies aim to surpass the traditional methods of finance. In the past few
decades, massive investment has been made in these companies and it has
emerged into a multi-billion-dollar industry globally.
22. 6. Cloud Banking
Cloud technology has taken the world by storm. It seems the technology will soon
find its way in the banking and financial services sector in India. Cloud computing
will improve and organize banking and financial activities. Use of cloud-based
technology means improved flexibility and scalability, increased efficiency, easier
integration of newer technologies and applications, faster services and solutions,
and improved data security.
7. Block Chain
Block chain is the new kid on the block and the latest buzzword. The technology
that works on the principles of computer science, data structures and
cryptography and is the core component of crypto currency, is said to be the
future of banking and financial services globally. Block chain uses technology to
create blocks to process, verify and record transactions, without the ability to
modify it.
23. 8. Biometrics
Essentially for security reasons, a Biometric Authentication system is changing the
national identity policies and the impact is expected to be widespread. Banking and
financial services are just one of the many other industries that will be
experiencing the impact. With a combination of encryption technology and OTPs,
biometric authentication is forecasted to create a highly-secure database
protecting it from leaks and hackers attempts.
24. 9. Wearables
With smartwatch technology, the banking and financial
services technology is aiming to create wearables for
retail banking customers and provide more control and
easy access to the data. This technology is anticipated
to be the future retail banking trend by providing
major banking services with just a click on a user-
friendly interface on their wearable device. These are
some of the recent trends in the banking and financial
sector of India and all these new technologies are
predicted to reshape the industry of business and
money.
10. Digital-Only Banks
It is a recent trend in the Indian financial system and cannot be ignored. With the entire
banking and financial services industry jumping to digital channels, digital-only banks
have emerged to create paperless and branchless banking systems. This is a new breed
of banking institutions that are overtaking the traditional models rapidly. These banks
provide banking facilities only through various IT platforms that can be accessed on
mobile, computers, and tablets.