The document summarizes the key points from the Financial Stability Report 2015 presented by Reserve Bank of India. It highlights that while India's macroeconomic fundamentals are relatively strong, continued global growth uncertainty remains a risk. The banking sector shows improvement with credit growth of 9.7% and asset quality stable, but stressed advances are still high. The report also covers trends in financial inclusion, insurance and pension sectors regulation aimed at strengthening stability.
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
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 . Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Our Mission
“To provide breakthrough research works to our clients through Perseverant efforts towards creativity and innovation”.
Vision
Writekraft endeavours to be the leading global research and publications company that will fulfil all research needs of our clients. We will achieve this vision through:
Analyzing every customer’s aims, objectives and purpose of research
Using advanced and latest tools and technique of research and analysis
Coordinating and including their own ideas and knowledge
Providing the desired inferences and results of the research
In the past decade, we have successfully assisted students from various universities in India and globally. We at Writekraft Research & Publications LLP head office in Kanpur, India are most trusted and professional Research, Writing, Guidance and Publication Service Provider for PhD. Our services meet all your PhD Admissions, Thesis Preparation and Research Paper Publication needs with highest regards for the quality you prefer.
This project has a complete summary of past as well as current conditions of Micro Finance in India and its evolution. This project also discusses the Andhra Pradesh MFI crisis which led to implementation of numerous strict rules and regulations by the Government of India to control and regulate this sector of financing.
Indian Growth under Rising Risks Show Financial Stability Report June 2016atul baride
RBI Detail Financial Stability Report shows that, Growth is Stagnant and Corporate Indebtedness ability to service Banking Debt weakening daily. The Indian Public sector Banks Return on Assets has fallen to mere 0.4 , ROE 4.8 , and Net Interest Income to 8.3 from 15.8 in 2012. The Iron and Steel , Telecom, Construction, Electricity, Transport are enlarging systemic risks. While Macro Economic and Institutional Risk have risen. The Housing Price and Price Indices showing Significant divergence.
My Comments : Britain exit from Euro is not accounted. And, Slow down in IT is not considered. Also, Slowing Global Growth particularly China and now EU is not considered. The Rise 45 % Investors from Small Town indicates Equity Markets is taken as Positive Dispersion, While it shows that Indian Equity market is increasingly in ' Weaker Hands ' .
The Big Money should surely ' Press Pause Button ' and Cash is going to be King
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
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 . Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Our Mission
“To provide breakthrough research works to our clients through Perseverant efforts towards creativity and innovation”.
Vision
Writekraft endeavours to be the leading global research and publications company that will fulfil all research needs of our clients. We will achieve this vision through:
Analyzing every customer’s aims, objectives and purpose of research
Using advanced and latest tools and technique of research and analysis
Coordinating and including their own ideas and knowledge
Providing the desired inferences and results of the research
In the past decade, we have successfully assisted students from various universities in India and globally. We at Writekraft Research & Publications LLP head office in Kanpur, India are most trusted and professional Research, Writing, Guidance and Publication Service Provider for PhD. Our services meet all your PhD Admissions, Thesis Preparation and Research Paper Publication needs with highest regards for the quality you prefer.
This project has a complete summary of past as well as current conditions of Micro Finance in India and its evolution. This project also discusses the Andhra Pradesh MFI crisis which led to implementation of numerous strict rules and regulations by the Government of India to control and regulate this sector of financing.
Indian Growth under Rising Risks Show Financial Stability Report June 2016atul baride
RBI Detail Financial Stability Report shows that, Growth is Stagnant and Corporate Indebtedness ability to service Banking Debt weakening daily. The Indian Public sector Banks Return on Assets has fallen to mere 0.4 , ROE 4.8 , and Net Interest Income to 8.3 from 15.8 in 2012. The Iron and Steel , Telecom, Construction, Electricity, Transport are enlarging systemic risks. While Macro Economic and Institutional Risk have risen. The Housing Price and Price Indices showing Significant divergence.
My Comments : Britain exit from Euro is not accounted. And, Slow down in IT is not considered. Also, Slowing Global Growth particularly China and now EU is not considered. The Rise 45 % Investors from Small Town indicates Equity Markets is taken as Positive Dispersion, While it shows that Indian Equity market is increasingly in ' Weaker Hands ' .
The Big Money should surely ' Press Pause Button ' and Cash is going to be King
" Stability testing is an essential part of the process of ensuring that the patient receives a product that meets established standards of safety, efficacy and quality."
Content :
* USP Definition of Stability.
* The Five Types of Stability.
* Factors affecting stability.
* Stability studies in manufacturing.
* Observing products for evidence of instability.
* Responsibility of the pharmacist.
Reference : USP – United States Pharmacopeia, 2008.
{1191} Stability consideration in dispensing practice/ General information, page 2414.
ICICI Prudential Mutual Fund | Impact analysis iciciprumf
Going forward, RBI may have to do a fine balancing act. On one hand, support for growth trajectory is needed due to the second wave and on the other hand, RBI would need to keep an eye on upside risk to inflation.
“RBI Monetary Policy Analysis : Leaving no stone unturned “iciciprumf
The RBI cut the Repo rate by 75bps to 4.4%, the Reverse Repo by 90bps to 4% and the Cash Reserve Ratio (CRR) by 100bps to 3%, targeting an increase in liquidity with banks to invest in investment-grade corporate bonds, commercial papers etc. and announced macro-prudential measures such as relaxing repayments for all term loans and improving access for working capital for the next 3 months.
• RBI reduced the Repo rate by 40 bps to 4.00%
• Reverse Repo rate accordingly is adjusted to 3.35%
• Marginal Standing Facility (MSF) rate and the Bank rate accordingly is
adjusted to 4.25%
• Cash Reserve Ratio (CRR) remains unchanged at 3%
• Statutory Liquidity Ratio (SLR) stands adjusted to 18.00%
Presentation by Christopher Wales, DIGITAX Research Programme, at the Conference on Reshaping the tax system to support the Financial Sector Development Strategy (FSDS)
Kampala, Uganda, 14th–15th December 2022
The two-day conference was convened by Uganda's Ministry of Finance, Planning and Economic Development, and co-hosted by ICTD's DIGITAX Research Programme and TaxDev.
Read our in-depth analysis of how the 3rd Bi-Monthly Monetary Policy Statement 2018-19 and the changes in interest rates impact the markets and the industry and what schemes we recommend for our investors.
We believe, as the RBI gains comfort with growth picking-up, the first nudge would be to move the short-term rates closer to the mid-point of the policy rate corridor.
Reshaping the nigerian financial services sectorEneni Oduwole
This presentation highlights how effective risk management has aided the restructuring of the financial services sector, and thereby allowing for continuous growth in the economy
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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.
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
The secret way to sell pi coins effortlessly.DOT TECH
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How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
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.
3. Introduction
• Financial Stability Report is published yearly by
Reserve Bank of India (Financial Stability Unit) –
First published in 2010
• The Process aspect – rigorous, comprehensive
and continuous assessment of risk buildup across
the financial system
• The outcome aspect – having the necessary
institutional and instrumental arrangements to
take effective regulatory, supervisory and other
policy measures to address the identified risks.
4. Macro- Financial Risks
Global Economy
• Even after eight years since the economic
crisis, top economies still struggling to keep
economy activity going
• Role of Central Banks – difficult to predict
• There is imbalance between countries around
the world. Few countries are facing persistent
CAD for last few years while few are surplus.
• The two main concerns for Volatility and
Stability – the Greek debt crisis and Fed rate
Hike
5. 2.Domestic Macro Environment
• Significant improvement in the micro economic
environment and going forward, economic performance
is going to be better.
• Economic growth in India is estimated to have improved
to 7.3% during 2014-2015.
• However notwithstanding this improvement, higher
growth seems difficult with low credit growth, relative
low flow of resources to the commercial sector, low
capacity utilization.
6.
7. Continued…
• External threats has been reduced and progress has been
made with regard to fiscal consolidation.
• There is a re-orientation in government expenditure in
2015-2016 where capital expenditure is budgeted to be
higher alongside a reduction in expenditure on major
subsidies, which should improve the quality of
government expenditure.
• Foreign portfolio flows to India have been strong during
the Past year but any unexpected change in A/E
monetary policy may lead to slow down of such flow.
• India is better prepare to deal with this volatility, as
compare to previous episodes.
8. Securities Market:
Action Against Illegal Raising Of Funds:
•Unlisted Companies used to issue Non-Convertible Debentures and
Preference shares in name of private placements.
•SEBI cracked down – Collective Investment Schemes
And Deemed Public Issue and issued orders against these to the
companies.
•SEBI issued caution notes to the Investors to avoid investments in these
schemes.
•Financial Stability and Development Council took significant steps for
information and awareness of “Protection Of Depositors Act”
9. Trends In Algorithm Trading And Regulatory Steps:
• Algorithm Trading And High Frequency Trading developed rapidly
• Introduced in April 2008 as means for Direct Market Access
• SEBI regulated in March 2012 and 2013.
• Needs to monitor to avoid increased error trade and market
manipulation
• Abnormal Movements in Indian Stock Markets was observed So
Increased volume needs to be monitored
• Senior Supervisors Group keeps close watch on risk associated and
Control parameters
• SEBI implements regulation as recommended by SSG.
10. Relations to Counter Insider Trading:
• To Counter Insider trading initial law was “Prohibition Of Insider Trading
Regulation 1992”
• To review and strengthening of legal framework SEBI constituted
committee having Chairman Justice N.K.Sodhi
• As per recommendation new regulatory law is introduced
• “Prohibition Of Insider Trading Regulation 2015” with effective from 15th
May 2015. and these regulations matches with international practices.
• Highlights :
• Definition of insider has been made wider. Any relationship that allows
person to access “Unpublished Price sensitive Information”
11. • No separate definition for “Unpublished”
• Information available on website and other media is called as
“Generally available information.”
• In line with Companies Act 2013 the regulations prohibit Director and
key managerial person in trading in derivatives on securities of
company.
• Every listed company must have code of conduct to monitor regulate
and report trading done by its employees.
• Stock Exchanges must have mechanism to handle complaints to
inadequate and inaccurate disclosures by companies.
• Stock exchanges must report SEBI if companies response on clarification
of disclosures is not satisfactory.
12. Insurance sector:
• Agricultural sector need urgent focus in wake of its development.
• Crop insurances are riskier and costlier also they have high premium and
limited coverage.
• Crop failures are not random and independently distributed as weather
conditions can affect the whole geographical area.
• Insurance plans needs to be designed properly in order to attract small
and marginal farmers
• IRDAI has approved co insurance arrangement between Agricultural
Insurance Company (AIC) and General Insurance Public Sector
Association(GIPSA) which will cover only non loanee farmers under
Modified National Agricultural Insurance Scheme(MNAIS) and Weather
Based Crop Insurance Scheme(WBCIS).
13. • Pension Sector:
• The expected shifts in demography in coming decades call for attention
on old age income security and pension schemes.
• Presently only 12% of current population in country is covered with any
form of old age income security.
• There are nearly 100 million people aged 60 years or more and number
will be triple by 2050.
• The government has launched pension scheme foe unorganised sector
called Atal Pension Yojana
• APY will focus on all citizens in the unorganised sector who join National
Pension Scheme(NPS) administrated by Pension Fund Regulatory and
Development Authority(PFRDA)
• APY aims to provide an assured income level and sustainable retirement
solution to unorganised sector with flexibility and ease of operation.
17. Conclusion
India’s relatively stronger macroeconomic fundamentals in terms of
growth, inflation, current account and fiscal deficits
The continued uncertainty over global growth and in the absence of
international monetary policy coordination, there can be no room
for complacency.
The report gives a ray of hope for the PSU Banking sector
As per the report the larger issues that can impact India may be
external in nature when most of the central banks decide to
reduce/take back their monetary stimulus which can have negative
impact on risk assets.
The economic growth expected to pick up the Corporate earnings
picture of India would also start to look strong over the next 2-4
quarters.
The current market volatility should be used by the investors to add
into equities in line with the Asset Allocation and Risk profile.