Financial services.ppt 1
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This document discusses financial services and the impact of customer relationship management (CRM) in the banking industry. It defines financial services as those provided by the finance industry, including banks, credit card companies, insurance companies, and investment funds. It then outlines some common financial services like banking services, investment services, and insurance. The document also discusses benefits of CRM for banks like increasing customer retention and sales. It analyzes CRM strategies adopted in banking like increasing delivery channels and customer value management. Finally, it briefly discusses CRM business models and assessing customer management capabilities.
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Introduction to Financial Services
The document lists major financial services marketing companies in India and discusses the evolution and functions of money. It then covers key topics related to financial services including intermediation, risk management, types of financial products and services, and characteristics of the financial services industry such as intangibility and lack of product identity. The document discusses trends impacting financial services like changing customer behavior, deregulation, and technological innovation. It concludes by mentioning the Department of Financial Services in India and financial inclusion initiatives.
Presentation on financial services
The document discusses financial services and the Indian financial system. It defines financial services as those provided by financial institutions, such as banking services, foreign exchange services, investment services, and insurance services. It then describes the key components of the Indian financial system: financial services, financial markets, financial instruments, and financial institutions. It provides details on various financial concepts such as financial intermediaries, instruments, and markets. Finally, it briefly discusses types of financial services in India and international financial services.
Securitization
This document provides an overview of securitization, including:
- Securitization is the process of converting illiquid assets into liquid assets by pooling them and selling securities backed by the pooled assets.
- The key participants are originators, special purpose vehicles, investors, and servicers. Assets like mortgages, credit cards, auto loans can be securitized.
- Benefits include off-balance sheet financing for originators and returns for investors. Risks include collateral, structural, legal, and third party risks.
- India has taken steps to regulate securitization but lacks a comprehensive framework and standardization.
Financial services
The document discusses various types of financial services including traditional activities like leasing, hire purchase, bills discounting, and venture capital as well as modern activities like risk management services and capital restructuring advisory. It also covers the objectives, characteristics, and importance of financial services and how they contribute to economic growth and capital formation.
01 securitization in india – issues and challenges
Securitization is a mechanism that pools illiquid assets and converts them into tradable securities. This transforms illiquid receivables into liquid assets and restructures balance sheets. Securitization serves as a powerful tool for financial reengineering. Common assets that are securitized include mortgages, loans, and receivables. Pioneers of securitization include the US, UK, France, Australia, and others. The first securitized asset was automobile loans. The securitization process involves credit rating the receivables, selling the assets to a special purpose vehicle which issues securities to investors to fund the asset purchase. Key players are the originator, SPV, investors, and credit rating agencies. Challenges
Deposit schemes
This document contains guidelines from the Reserve Bank of India (RBI) regarding know-your-customer (KYC) procedures and monitoring of cash transactions for banks in India. It outlines requirements for banks to establish customer identity and monitor suspicious transactions. Key points include obtaining proper identification for new accounts, completing KYC procedures for existing accounts, issuing demand drafts and money transfers over Rs. 50,000 only by debit to accounts, monitoring cash withdrawals and deposits over Rs. 10 lakhs, and reporting such cash transactions and suspicious activity to controlling offices. The guidelines aim to prevent money laundering and terrorist financing through strict KYC norms and monitoring of large cash transactions.
Credit rating
Credit ratings are evaluations of a debtor's ability to pay back debt, conducted by credit rating agencies. They use both public and private qualitative and quantitative information to assess risk of default. Credit ratings indicate the likelihood that bond obligations will be paid back and are used by investors to determine risk-return tradeoffs. Higher credit ratings indicate lower risk while lower ratings suggest higher risk of default. The document outlines the meaning and purpose of credit ratings, benefits to investors and companies, types of ratings, major credit rating agencies, and their methodology.
Factoring
Factoring is a financial transaction where a business sells its accounts receivable to a third party at a discount in exchange for immediate cash. There are various types of factoring, including recourse factoring, where the client refunds amounts for defaults, and non-recourse factoring, where the factor's obligation is absolute. Factoring provides businesses with immediate cash flow and transfers the credit risk to the factoring institution. However, it is a relatively expensive source of financing.
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Introduction to Financial Services
The document lists major financial services marketing companies in India and discusses the evolution and functions of money. It then covers key topics related to financial services including intermediation, risk management, types of financial products and services, and characteristics of the financial services industry such as intangibility and lack of product identity. The document discusses trends impacting financial services like changing customer behavior, deregulation, and technological innovation. It concludes by mentioning the Department of Financial Services in India and financial inclusion initiatives.
Presentation on financial services
The document discusses financial services and the Indian financial system. It defines financial services as those provided by financial institutions, such as banking services, foreign exchange services, investment services, and insurance services. It then describes the key components of the Indian financial system: financial services, financial markets, financial instruments, and financial institutions. It provides details on various financial concepts such as financial intermediaries, instruments, and markets. Finally, it briefly discusses types of financial services in India and international financial services.
Securitization
This document provides an overview of securitization, including:
- Securitization is the process of converting illiquid assets into liquid assets by pooling them and selling securities backed by the pooled assets.
- The key participants are originators, special purpose vehicles, investors, and servicers. Assets like mortgages, credit cards, auto loans can be securitized.
- Benefits include off-balance sheet financing for originators and returns for investors. Risks include collateral, structural, legal, and third party risks.
- India has taken steps to regulate securitization but lacks a comprehensive framework and standardization.
Financial services
The document discusses various types of financial services including traditional activities like leasing, hire purchase, bills discounting, and venture capital as well as modern activities like risk management services and capital restructuring advisory. It also covers the objectives, characteristics, and importance of financial services and how they contribute to economic growth and capital formation.
01 securitization in india – issues and challenges
Securitization is a mechanism that pools illiquid assets and converts them into tradable securities. This transforms illiquid receivables into liquid assets and restructures balance sheets. Securitization serves as a powerful tool for financial reengineering. Common assets that are securitized include mortgages, loans, and receivables. Pioneers of securitization include the US, UK, France, Australia, and others. The first securitized asset was automobile loans. The securitization process involves credit rating the receivables, selling the assets to a special purpose vehicle which issues securities to investors to fund the asset purchase. Key players are the originator, SPV, investors, and credit rating agencies. Challenges
Deposit schemes
This document contains guidelines from the Reserve Bank of India (RBI) regarding know-your-customer (KYC) procedures and monitoring of cash transactions for banks in India. It outlines requirements for banks to establish customer identity and monitor suspicious transactions. Key points include obtaining proper identification for new accounts, completing KYC procedures for existing accounts, issuing demand drafts and money transfers over Rs. 50,000 only by debit to accounts, monitoring cash withdrawals and deposits over Rs. 10 lakhs, and reporting such cash transactions and suspicious activity to controlling offices. The guidelines aim to prevent money laundering and terrorist financing through strict KYC norms and monitoring of large cash transactions.
Credit rating
Credit ratings are evaluations of a debtor's ability to pay back debt, conducted by credit rating agencies. They use both public and private qualitative and quantitative information to assess risk of default. Credit ratings indicate the likelihood that bond obligations will be paid back and are used by investors to determine risk-return tradeoffs. Higher credit ratings indicate lower risk while lower ratings suggest higher risk of default. The document outlines the meaning and purpose of credit ratings, benefits to investors and companies, types of ratings, major credit rating agencies, and their methodology.
Factoring
Factoring is a financial transaction where a business sells its accounts receivable to a third party at a discount in exchange for immediate cash. There are various types of factoring, including recourse factoring, where the client refunds amounts for defaults, and non-recourse factoring, where the factor's obligation is absolute. Factoring provides businesses with immediate cash flow and transfers the credit risk to the factoring institution. However, it is a relatively expensive source of financing.
financial services
Financial services refer to services provided by the finance industry, including banks, credit card companies, insurance companies, brokerages, and investment funds. These institutions offer products and services like loans, insurance, credit cards, investment opportunities, money management, and market information. Financial services play important roles in facilitating economic transactions, mobilizing savings, allocating capital, monitoring managers, and transforming risk. They also help people better manage their finances and make investments.
Assets liability management
This document discusses various risks faced by banks, including CAMEL risks relating to capital adequacy, asset quality, management, earnings, and liquidity. It also discusses asset liability management (ALM), which involves planning, organizing, and controlling a bank's assets and liabilities to maintain liquidity and net interest income. Other topics covered include liquidity management, types of liquidity risk, interest rate risk management, and sources of interest rate risk.
Factoring
One of the oldest forms of business financing, factoring is the cash-management tool of choice for many companies. Factoring is very common in certain industries, such as the clothing industry, where long receivables are part of the business cycle.
Portfolio management services (1)
Portfolio management services (PMS) allow professional managers to invest and manage clients' money across stocks, bonds, and other assets. There are discretionary and non-discretionary PMS, and fees are typically fixed, profit-sharing, or hybrid. PMS offer advantages like a wider range of investable securities and more personalized solutions compared to mutual funds, but provide less portfolio disclosure. Major PMS providers in India include Prudential ICICI and Reliance Portfolio Management. The roles of PMS managers include designing customized solutions, keeping updated on markets, and communicating regularly with clients.
Securitisation
The document is a report on financial services that discusses securitization. It contains:
1) An introduction to securitization, the process of pooling and selling existing assets to a Special Purpose Vehicle which then issues asset-backed securities.
2) Details on the entities involved in securitization - originator, special purpose vehicle, obligor, servicer, trustee, rating agency, and structurer.
3) The regulatory framework and history of securitization deals in India, including some of the largest deals.
Investment avenues in india
Investment avenues in India include savings bank accounts, fixed deposits, post office savings schemes, public provident funds, gold investments, and real estate. It is important for investors to diversify their investments across multiple avenues to achieve their financial goals and create a secondary source of income. Popular long-term options are public provident funds, which offer tax-free returns and interest over a 15-year period, and real estate, though investors should carefully consider the property's location when investing.
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Financial services refer to services provided by the finance industry, such as banks, credit card companies, insurance companies, brokerages, and investment funds. There are two main types of financial services - fund or asset-based services, and fee-based services. Fund-based services involve raising funds through deposits, debt, or equity and investing those funds by lending or purchasing securities. These include services like leasing, housing finance, credit cards, venture capital, factoring, forfeiting, and bill discounting. Fee-based services involve earning income through fees, commissions, or brokerage on services like issue management, advisory, credit ratings, mutual funds, securitization, and stock broking.
Credit Risk Management Presentation
This document provides an overview of credit risk management practices from a banker's perspective. It discusses the key types of banking risks including credit, market, and operational risk. It describes credit risk measurement techniques such as credit scoring models and models based on stock prices. It also outlines the importance of internal credit risk rating processes and how rating systems can be used for risk-based pricing, portfolio management, and capital allocation. Finally, it discusses lessons learned from bank failures during the financial crisis, including the need for effective liquidity and balance sheet management and stress testing.
Classification of working capital
1) Working capital refers to the capital required to finance short-term operating expenses like inventory, accounts receivable, and cash. It revolves quickly as assets are sold and replaced with new current assets.
2) There are different types of working capital classified by basis - gross working capital refers to total current assets while net working capital is current assets minus current liabilities. Working capital is also classified as permanent/fixed or temporary/variable.
3) Permanent working capital is needed continuously to operate the business while temporary working capital fluctuates to meet seasonal or specific needs like launches or strikes. Maintaining adequate working capital is important for business operations and liquidity.
Indian financial system ppt
The document provides an overview of the Indian financial system. It discusses the three main parts of a financial system: financial assets/instruments, financial institutions, and financial markets. It then goes on to describe various financial assets like deposits, loans, bonds, and equities. It also discusses important financial institutions like banks, insurance companies, and mutual funds. Key financial markets like the money market, capital market, and foreign exchange market are also outlined. The document provides details on key components of the Indian financial system like money market instruments, commercial banks, cooperative banks, and financial intermediaries.
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This presentation provides an overview of various banking products and services. It discusses the different types of banks and their core functions. It then examines several common banking products in India including deposits (current, savings, fixed, recurring), loans, cash credit, overdraft, credit cards, debit cards, ATMs, mobile/internet banking, demat accounts, and e-cheques. For each product, it provides details on what they are, the types that exist, their key features and benefits. The presentation is intended to educate audiences on the range of offerings provided by banks in India.
Securitization
The document discusses securitization, which involves converting illiquid loans and receivables into marketable securities. Securitization originated in Denmark by selling bonds backed by equal amounts of loans. It later evolved in the US through innovations like slicing loan portfolios into tradable securities. A key part of securitization is the use of a special purpose vehicle (SPV) that purchases the loans, issues securities to investors, and uses the loan payments to repay investors. This separates the loans from the originator, protecting investors. Securitization provides originators with liquidity and long-term funding while transferring risk off their balance sheets.
Camel rating
This document provides an overview of the CAMELS rating system used to evaluate the overall health and risk profile of banks. CAMELS stands for Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Each component is rated on a scale of 1 to 5, with 1 being the strongest. The ratings are used by regulators in the US, India, and other countries to monitor banks and determine which may require support.
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This document provides an overview of various financial services. It discusses banking services, insurance services, investment management services like mutual funds and portfolio management, and capital market services. It describes the key entities that offer these services like banks, insurance companies, asset management companies, stock brokers, etc. It also outlines the major types of products and services offered within each category of financial services.
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This document is a presentation on the financial system submitted for a Master's degree in Business Administration. It includes sections on introducing the financial system, objectives of the study, research methodology, components of the financial system, functions of the financial system, financial markets and types of financial markets, and conclusions. The presentation defines the financial system as a set of closely connected financial institutions, markets, instruments, and services. It also discusses the objectives of studying the concept of financial systems and markets.
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The document discusses the concept of hire purchase, which is a mode of financing where goods are leased on hire with the option for the lessee to purchase them by paying installments. Key points include: hire purchase involves periodic installment payments, immediate possession of goods by the buyer but ownership remaining with the seller until final payment; features like being based on a written agreement and ownership transferring after final payment; and rights and obligations of both the hirer and hire vendor. Differences between leasing and hire purchase are also outlined.
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Fundamental analysis involves analyzing macroeconomic conditions, industries, and individual companies. At the macroeconomic level, factors like GDP growth, inflation, interest rates, and fiscal/monetary policies are examined. Industry analysis evaluates the attractiveness of industries based on their growth stage, competitive environment, and sensitivity to economic cycles. Finally, company analysis assesses the financial statements, management quality, and competitive positioning of specific firms. Together, this three-tiered fundamental analysis helps investors evaluate investment opportunities.
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This document outlines different types of financial services, including banking services such as issuing cheque books and providing loans, foreign exchange services like currency exchange and wire transfers, investment services like asset management and hedge funds, and insurance services including brokerage and reinsurance. It was submitted by Namrta Sharma to outline these common financial services for Ms. Alka Sood.
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financial services
Financial services refer to services provided by the finance industry, including banks, credit card companies, insurance companies, brokerages, and investment funds. These institutions offer products and services like loans, insurance, credit cards, investment opportunities, money management, and market information. Financial services play important roles in facilitating economic transactions, mobilizing savings, allocating capital, monitoring managers, and transforming risk. They also help people better manage their finances and make investments.
Assets liability management
This document discusses various risks faced by banks, including CAMEL risks relating to capital adequacy, asset quality, management, earnings, and liquidity. It also discusses asset liability management (ALM), which involves planning, organizing, and controlling a bank's assets and liabilities to maintain liquidity and net interest income. Other topics covered include liquidity management, types of liquidity risk, interest rate risk management, and sources of interest rate risk.
Factoring
One of the oldest forms of business financing, factoring is the cash-management tool of choice for many companies. Factoring is very common in certain industries, such as the clothing industry, where long receivables are part of the business cycle.
Portfolio management services (1)
Portfolio management services (PMS) allow professional managers to invest and manage clients' money across stocks, bonds, and other assets. There are discretionary and non-discretionary PMS, and fees are typically fixed, profit-sharing, or hybrid. PMS offer advantages like a wider range of investable securities and more personalized solutions compared to mutual funds, but provide less portfolio disclosure. Major PMS providers in India include Prudential ICICI and Reliance Portfolio Management. The roles of PMS managers include designing customized solutions, keeping updated on markets, and communicating regularly with clients.
Securitisation
The document is a report on financial services that discusses securitization. It contains:
1) An introduction to securitization, the process of pooling and selling existing assets to a Special Purpose Vehicle which then issues asset-backed securities.
2) Details on the entities involved in securitization - originator, special purpose vehicle, obligor, servicer, trustee, rating agency, and structurer.
3) The regulatory framework and history of securitization deals in India, including some of the largest deals.
Investment avenues in india
Investment avenues in India include savings bank accounts, fixed deposits, post office savings schemes, public provident funds, gold investments, and real estate. It is important for investors to diversify their investments across multiple avenues to achieve their financial goals and create a secondary source of income. Popular long-term options are public provident funds, which offer tax-free returns and interest over a 15-year period, and real estate, though investors should carefully consider the property's location when investing.
Financial services
Financial services refer to services provided by the finance industry, such as banks, credit card companies, insurance companies, brokerages, and investment funds. There are two main types of financial services - fund or asset-based services, and fee-based services. Fund-based services involve raising funds through deposits, debt, or equity and investing those funds by lending or purchasing securities. These include services like leasing, housing finance, credit cards, venture capital, factoring, forfeiting, and bill discounting. Fee-based services involve earning income through fees, commissions, or brokerage on services like issue management, advisory, credit ratings, mutual funds, securitization, and stock broking.
Credit Risk Management Presentation
This document provides an overview of credit risk management practices from a banker's perspective. It discusses the key types of banking risks including credit, market, and operational risk. It describes credit risk measurement techniques such as credit scoring models and models based on stock prices. It also outlines the importance of internal credit risk rating processes and how rating systems can be used for risk-based pricing, portfolio management, and capital allocation. Finally, it discusses lessons learned from bank failures during the financial crisis, including the need for effective liquidity and balance sheet management and stress testing.
Classification of working capital
1) Working capital refers to the capital required to finance short-term operating expenses like inventory, accounts receivable, and cash. It revolves quickly as assets are sold and replaced with new current assets.
2) There are different types of working capital classified by basis - gross working capital refers to total current assets while net working capital is current assets minus current liabilities. Working capital is also classified as permanent/fixed or temporary/variable.
3) Permanent working capital is needed continuously to operate the business while temporary working capital fluctuates to meet seasonal or specific needs like launches or strikes. Maintaining adequate working capital is important for business operations and liquidity.
Indian financial system ppt
The document provides an overview of the Indian financial system. It discusses the three main parts of a financial system: financial assets/instruments, financial institutions, and financial markets. It then goes on to describe various financial assets like deposits, loans, bonds, and equities. It also discusses important financial institutions like banks, insurance companies, and mutual funds. Key financial markets like the money market, capital market, and foreign exchange market are also outlined. The document provides details on key components of the Indian financial system like money market instruments, commercial banks, cooperative banks, and financial intermediaries.
Presentation on Banking Products
This presentation provides an overview of various banking products and services. It discusses the different types of banks and their core functions. It then examines several common banking products in India including deposits (current, savings, fixed, recurring), loans, cash credit, overdraft, credit cards, debit cards, ATMs, mobile/internet banking, demat accounts, and e-cheques. For each product, it provides details on what they are, the types that exist, their key features and benefits. The presentation is intended to educate audiences on the range of offerings provided by banks in India.
Securitization
The document discusses securitization, which involves converting illiquid loans and receivables into marketable securities. Securitization originated in Denmark by selling bonds backed by equal amounts of loans. It later evolved in the US through innovations like slicing loan portfolios into tradable securities. A key part of securitization is the use of a special purpose vehicle (SPV) that purchases the loans, issues securities to investors, and uses the loan payments to repay investors. This separates the loans from the originator, protecting investors. Securitization provides originators with liquidity and long-term funding while transferring risk off their balance sheets.
Camel rating
This document provides an overview of the CAMELS rating system used to evaluate the overall health and risk profile of banks. CAMELS stands for Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Each component is rated on a scale of 1 to 5, with 1 being the strongest. The ratings are used by regulators in the US, India, and other countries to monitor banks and determine which may require support.
Merchant banking
Merchant banking provides a combination of banking and consultancy services to clients. It assists companies with financial, marketing, managerial, and legal matters from starting a business through ongoing operations. Merchant banks deal primarily in international finance and business loans for companies. They specialize in international trade and serve multinational corporations. Unlike investment banks, merchant banks do not provide regular banking services to the general public. In India, the need for merchant banking grew with the rapid expansion of the primary market for stock issues.
Financial services
This document provides an overview of various financial services. It discusses banking services, insurance services, investment management services like mutual funds and portfolio management, and capital market services. It describes the key entities that offer these services like banks, insurance companies, asset management companies, stock brokers, etc. It also outlines the major types of products and services offered within each category of financial services.
Financial system ppt
This document is a presentation on the financial system submitted for a Master's degree in Business Administration. It includes sections on introducing the financial system, objectives of the study, research methodology, components of the financial system, functions of the financial system, financial markets and types of financial markets, and conclusions. The presentation defines the financial system as a set of closely connected financial institutions, markets, instruments, and services. It also discusses the objectives of studying the concept of financial systems and markets.
SWAPS-Final2
The document discusses different types of swaps, including interest rate swaps, cross currency swaps, and credit default swaps. It defines a swap as an agreement between two counterparties to exchange cash flows based on an underlying asset. It provides examples of how interest rate swaps, cross currency swaps, and equity swaps work. The key aspects of each swap type are described, such as the cash flows exchanged and calculation of payments.
Hire purchase
The document discusses the concept of hire purchase, which is a mode of financing where goods are leased on hire with the option for the lessee to purchase them by paying installments. Key points include: hire purchase involves periodic installment payments, immediate possession of goods by the buyer but ownership remaining with the seller until final payment; features like being based on a written agreement and ownership transferring after final payment; and rights and obligations of both the hirer and hire vendor. Differences between leasing and hire purchase are also outlined.
Security Analysis And Portfolio Managment
Fundamental analysis involves analyzing macroeconomic conditions, industries, and individual companies. At the macroeconomic level, factors like GDP growth, inflation, interest rates, and fiscal/monetary policies are examined. Industry analysis evaluates the attractiveness of industries based on their growth stage, competitive environment, and sensitivity to economic cycles. Finally, company analysis assesses the financial statements, management quality, and competitive positioning of specific firms. Together, this three-tiered fundamental analysis helps investors evaluate investment opportunities.
types of financial services
This document outlines different types of financial services, including banking services such as issuing cheque books and providing loans, foreign exchange services like currency exchange and wire transfers, investment services like asset management and hedge funds, and insurance services including brokerage and reinsurance. It was submitted by Namrta Sharma to outline these common financial services for Ms. Alka Sood.
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Marketing of financial services
The document discusses marketing strategies for financial services. It begins by defining key characteristics of services, including heterogeneity, intangibility, perishability, and inseparability. It then discusses the importance of planning for banks, including benefits such as setting objectives, allocating resources efficiently, and identifying strengths and weaknesses. The document also covers strategic planning models like BCG matrix, Ansoff matrix, and McKinsey growth pyramid for evaluating market opportunities. Finally, it provides examples of specific growth strategies like market penetration, product development, market development, and diversification.
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This document discusses key concepts in marketing. It begins by defining marketing as the process of determining consumer demand, motivating sales, and distributing products or services for profit. It then covers various marketing topics like the marketing concept, types of markets, evolution of modern marketing, and the differences between marketing and selling. The document also discusses the marketing mix, product strategies, pricing methods, distribution channels, and the promotion mix as the key elements of marketing management. It provides examples of how these concepts apply for marketing of financial services and banking products.
Transfer Pricing
Transfer pricing refers to the prices charged for goods and services transferred between divisions of a multinational company operating across international borders. The objectives of transfer pricing include reducing taxes, managing cash flows, and avoiding conflicts with governments. Common transfer pricing methods are market-based prices, cost-based prices, and negotiated prices. Transfer pricing allows companies to shift profits between countries to minimize taxes but also presents challenges in terms of performance measurement and conflicts with tax authorities.
Marketing channel policies
A marketing channel consists of all the institutions and activities involved in transferring goods from production to consumption, including producers, buyers, and middlemen. It performs important functions like linking producers to buyers, sales and promotion, influencing pricing strategy, and customizing products. When determining the appropriate marketing channel strategy, factors to consider include product characteristics, market conditions, company resources and goals, and the available middlemen and their potential services.
Market Targeting
The document discusses various concepts related to market segmentation, targeting, positioning, and differentiation. It begins by defining market segmentation as the process of dividing the heterogeneous market into homogeneous subgroups. It then discusses the benefits and implementation of market segmentation. The document also covers topics like mass marketing vs micro marketing, levels of segmentation, bases for segmenting consumer and business markets, and market segmentation in various industries. It discusses the concepts of targeting, positioning, differentiation strategies and their application to products and services.
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This document discusses Pivotal CRM, a customer relationship management software for financial services firms. Pivotal CRM offers configurable solutions tailored for asset management, capital markets, private banking, and commercial banking. It provides functionality reflecting industry processes and data models. Pivotal CRM allows firms to streamline processes, gain insights into client relationships and value, and structure sales processes for consistency. The solutions are designed to help financial services firms improve customer service, identify opportunities, and gain competitive advantages through relationships.
PivotalCRM - CRM for financial services
CRM That Fits Your Business With increasing commoditization across the industry, financial services firms are struggling to attract new clients and retain existing ones without placing constant downward pressure on revenue margins.
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Over the past decade customers’ behavior and their expectations have drastically changed. Insurance customers are becoming harder to attract and retain. Sales costs are high because of the lack of integration between agent and carrier systems, resulting in fragmented views of customer households and consumers’ changing needs. Insurance carriers have to adapt their service offering and strategy to approach those new types of customers more rapidly in a sector where competition has become sharper than ever.
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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Financial services.ppt 1
- 1. FINANCIAL SERVICES BY Rakshit Narayanan Prakhar Gupta Smriti Bhandari Mayank Singh Sayim Qureshi Swati Mittal
- 2. INTRODUCTION Financial services refer to services provided by the finance industry. The finance industry encompasses a broad range of organizations that deal with the management of money. Among these organizations are banks, credit card companies, insurance companies, consumer finance companies, stock brokerages, investment funds and some government sponsored enterprises.
- 3. TYPES OF FINANCIAL SERVICES Banking services Issuance of checkbooks Provide personal loans, commercial loans ATMs Foreign exchange services Currency Exchange Foreign Currency Banking Wire transfer Investment services Asset manageme nt Hedge fund manageme nt Insurance Insurance brokerage Reinsurance
- 5. • Extending CRM into multiple media means integrating the front office with different communication channels
- 6. IMPACT OF CRM Benefits of Using CRM in Banking Industry Provide better customer balance Increase customer revival Discover new customers Helps sales staff close deals faster Making banking operation more efficient Simplify marketing and sales process
- 7. Organization Without CRM Unsatisfied Customer Low customer retention Low sales In efficient Banking Operations Complexity
- 8. CRM Strategies Adopted in Banking Sector One-Stop Financial Supermarket • Right service is offered to right customers Increasing the Number of Delivery Channels to the Customers • Shifting customer access to lower cost channels can help in bring down the operating cost • The Real Time Gross Settlement (RTGS), CBS (Core Banking Solution) Customer Value Management • The main thrust of CRM is to develop new products, render value creation, gain market leadership and spread risks and vulnerabilities besides facing competition
- 9. Utility of CRM in Banks Campa ign Manag ement Custo mer Inform ation Consol idation Market ing Encycl opedia 3 6 0- degree view of compa ny Person alized sales home page Lead and Opport unity Manag ement Activit y Manag ement Contac t Center Operat ional Ineffici ency Remov al
- 11. Customer management assessment tool • Assessments bring together a range of tools and methodologies that provide a detailed, objective, benchmarked assessment of an organization’s capability to effectively manage its customers.
- 12. Benefits of CRM
- 13. Facts & Figures