The document summarizes the state of the Indian economy and banking sector from the perspective of the Chairman of Bank of Baroda. It notes that India has one of the fastest growing economies in the world, fueled by consumption. The banking sector is robust and resilient, with strong regulations and institutions. Indian banks are well capitalized and have low non-performing assets compared to international peers. The banking sector is expanding access to both rural and emerging sectors to support continued economic growth.
citigroup August 5, 2008 - Re-Mapping of Press Release Disclosed Items Explan...QuarterlyEarningsReports
The document discusses the Indian economy and banking sector from the perspective of a banker. It notes that India has one of the fastest growing economies in the world, fueled by consumption. The banking sector is robust and resilient, with strong regulations and institutions. Indian banks are well capitalized and have low non-performing assets. They are major financiers of India's economic growth.
The document is a presentation on doing business in India from the perspective of a banker. It contains the following key points:
1. India has one of the fastest growing economies in the world, driven by consumption growth and a growing services sector.
2. The Indian economy and financial system are robust and well-regulated. Reforms have improved the business environment and ranking for foreign investors.
3. The banking sector is large, growing rapidly, and compares well to international peers on metrics like returns and asset quality. Retail lending in areas like housing, credit cards, and loans is experiencing strong growth.
4. Further reforms and development of the financial system, including payments infrastructure and credit information,
The document is a presentation on doing business in India from the perspective of a banker. It contains the following key points:
1. India has one of the fastest growing economies in the world, driven by consumption growth and a growing services sector.
2. The Indian economy and financial system are robust, well-regulated, and have shown resilience through various economic shocks.
3. Significant reforms have been made to further improve the business environment, ranking, and competitiveness of the Indian economy and financial system.
Redefining Globalization: Can Asia Lead the World..? Sachin Bhurase
The document discusses mergers and acquisitions in Asian banking and their potential role in global leadership. It notes increasing global risks and argues Asia needs stronger regional governance. The research examines the impact of ICICI Bank mergers on financial performance and non-performing assets. Key findings show mergers generally improved metrics like return on assets and equity but also increased loan to deposit ratios and non-performing assets in some cases. The conclusion states Asia requires larger banks through mergers to strengthen regional legitimacy and governance but still needs to do more to effectively lead the world.
The document discusses developments in the Indian economy and insurance sector based on information presented between June 8-July 1, 2011. It notes that only 8 of 23 private insurance companies have turned profitable, while ICICI and SBI Life control 10% of the market each. It also discusses rising inflation in India and China, challenges facing the Indian fiscal deficit and GDP growth targets, and declining profits in the broking industry.
The document summarizes the assignment of ratings to Sri Lanka's banking system by Standard & Poor's. Some key points:
- Standard & Poor's assigned Sri Lanka a Banking Industry Country Risk Assessment (BICRA) group rating of '8', with an economic risk score of '8' and industry risk score of '7'.
- The economic risk score of '8' reflects S&P's very high risk assessment of Sri Lanka's economic resilience and credit risk, and high risk assessment of economic imbalances.
- The credit risk takes into account moderate private sector debt, relaxed lending practices, a weak payment culture and rule of law in Sri Lanka.
- The banking industry risk
Synergies Related To Consolidation of 27 Public SectorAakash Singh
The document discusses the Indian government's plan to consolidate 27 public sector banks into 6 larger banks. The government aims to make the public sector banks more competitive globally and reduce their burden of non-performing assets through mergers and acquisitions. Currently, public sector banks hold around 70% of India's banking assets but no Indian bank ranks among the top 70 globally. The consolidation plan seeks to create stronger, more efficient banks that can better support the needs of the Indian economy.
citigroup August 5, 2008 - Re-Mapping of Press Release Disclosed Items Explan...QuarterlyEarningsReports
The document discusses the Indian economy and banking sector from the perspective of a banker. It notes that India has one of the fastest growing economies in the world, fueled by consumption. The banking sector is robust and resilient, with strong regulations and institutions. Indian banks are well capitalized and have low non-performing assets. They are major financiers of India's economic growth.
The document is a presentation on doing business in India from the perspective of a banker. It contains the following key points:
1. India has one of the fastest growing economies in the world, driven by consumption growth and a growing services sector.
2. The Indian economy and financial system are robust and well-regulated. Reforms have improved the business environment and ranking for foreign investors.
3. The banking sector is large, growing rapidly, and compares well to international peers on metrics like returns and asset quality. Retail lending in areas like housing, credit cards, and loans is experiencing strong growth.
4. Further reforms and development of the financial system, including payments infrastructure and credit information,
The document is a presentation on doing business in India from the perspective of a banker. It contains the following key points:
1. India has one of the fastest growing economies in the world, driven by consumption growth and a growing services sector.
2. The Indian economy and financial system are robust, well-regulated, and have shown resilience through various economic shocks.
3. Significant reforms have been made to further improve the business environment, ranking, and competitiveness of the Indian economy and financial system.
Redefining Globalization: Can Asia Lead the World..? Sachin Bhurase
The document discusses mergers and acquisitions in Asian banking and their potential role in global leadership. It notes increasing global risks and argues Asia needs stronger regional governance. The research examines the impact of ICICI Bank mergers on financial performance and non-performing assets. Key findings show mergers generally improved metrics like return on assets and equity but also increased loan to deposit ratios and non-performing assets in some cases. The conclusion states Asia requires larger banks through mergers to strengthen regional legitimacy and governance but still needs to do more to effectively lead the world.
The document discusses developments in the Indian economy and insurance sector based on information presented between June 8-July 1, 2011. It notes that only 8 of 23 private insurance companies have turned profitable, while ICICI and SBI Life control 10% of the market each. It also discusses rising inflation in India and China, challenges facing the Indian fiscal deficit and GDP growth targets, and declining profits in the broking industry.
The document summarizes the assignment of ratings to Sri Lanka's banking system by Standard & Poor's. Some key points:
- Standard & Poor's assigned Sri Lanka a Banking Industry Country Risk Assessment (BICRA) group rating of '8', with an economic risk score of '8' and industry risk score of '7'.
- The economic risk score of '8' reflects S&P's very high risk assessment of Sri Lanka's economic resilience and credit risk, and high risk assessment of economic imbalances.
- The credit risk takes into account moderate private sector debt, relaxed lending practices, a weak payment culture and rule of law in Sri Lanka.
- The banking industry risk
Synergies Related To Consolidation of 27 Public SectorAakash Singh
The document discusses the Indian government's plan to consolidate 27 public sector banks into 6 larger banks. The government aims to make the public sector banks more competitive globally and reduce their burden of non-performing assets through mergers and acquisitions. Currently, public sector banks hold around 70% of India's banking assets but no Indian bank ranks among the top 70 globally. The consolidation plan seeks to create stronger, more efficient banks that can better support the needs of the Indian economy.
An empirical analysis of the liquidity, solvency and financial health of smal...Alexander Decker
This document analyzes the liquidity, solvency, and financial health of small and medium enterprises (SMEs) in Kisii Municipality, Kenya through ratio analysis of financial statements from 3 SMEs over 2009-2011. The study finds that on average, the SMEs' liquidity is low, solvency is low, and financial health is not good based on Altman's Z-score model. Additionally, the results show current ratio, quick ratio, and debt-to-total assets ratio significantly impact return on assets. The study recommends SMEs improve liquidity, solvency, and financial stability management.
Effect of capital adequacy on the profitability of theolufemiadebayo
This document examines the effect of capital adequacy requirements on the profitability and performance of Nigerian banks from 1999-2008. It analyzes the relationship between capital adequacy ratios and various performance indicators like return on assets, return on capital employed, and efficiency ratios. The study finds that increases in banks' capital bases did not significantly improve their profitability or performance. This suggests that simply increasing capital requirements is not enough and other factors like corporate governance, personnel training, and macroeconomic stability also influence banks' financial health. The paper recommends pragmatic reforms in these areas to help ensure soundness in the Nigerian banking sector.
The document discusses factors that determine the profitability and liquidity of commercial banks. It lists 10 factors that affect profitability, including the amount of working funds deployed, cost and yield of funds, spread, operating costs, risk costs, non-interest income, technology usage, level of non-performing assets, and competition level. It also lists 8 factors that determine liquidity, such as statutory reserve requirements, banking habits, monetary transactions, money market conditions, banking system structure, deposit size and type, and other banks' liquidity policies. Maintaining a balance between profitability and liquidity ensures a commercial bank's sound operation.
This document summarizes the Mongolian banking sector and economy. It discusses how the banking sector has grown rapidly along with the Mongolian economy in recent years. The top 3 banks control 70% of banking sector assets. The banking sector faces challenges in developing interbank markets, long-term funding sources, and risk management systems. The government is working to modernize regulations to strengthen prudential standards and develop capital markets.
The document provides an overview of HSBC's operations and strategy in China. It discusses:
1) China's strong economic growth and regional development trends driving transition to higher value industries.
2) Foreign banks in China, with 21 approved for local incorporation including HSBC, Standard Chartered, and Citibank.
3) HSBC's local incorporation in China in 2007, allowing expansion of its network and services across the country.
4) HSBC's two-pronged strategy of organic growth through its own branch network and creating value from strategic partnerships and investments in Chinese banks.
FINANCIAL PERFORMANCE OF MICROFINANCE INSTITUTIONSRupa R
The document provides an introduction and background to a study comparing the financial performance of microfinance institutions (MFIs) in India and Bangladesh. It outlines the research methodology, which involves analyzing seven categories of financial performance indicators for 46 Indian MFIs and 25 Bangladeshi MFIs over 2007-2012 using statistical tools. Hypotheses that performance is similar across countries and does not depend on age or only financial factors will be tested. Multiple regression analysis will examine the influence of institutional characteristics, outreach, financial performance, revenues/expenses, efficiency, and risk on overall performance.
Capital adequacy ratio and banking risks in the nigeria money deposit banksAlexander Decker
1) The document examines the relationship between capital adequacy ratio (CAR) and banking risks in Nigerian banks from 2007-2011. It uses regression analysis to analyze how CAR is affected by risk-weighted asset ratio, deposit ratio, and inflation rate.
2) The results show there is a significant negative relationship between risk levels and CAR, meaning higher risks are associated with lower CAR. There is also a negative relationship between deposits and CAR, so increased deposits do not necessarily increase CAR.
3) The study recommends Nigerian banks adopt a risk-based approach to managing capital instead of just focusing on paid-up capital and earnings. It also recommends banks improve approaches to protect depositor money since deposits do not always increase
This document provides an overview of the Pakistani banking sector in 2014. It notes that while macroeconomic conditions improved last year, it was a challenging year for banks. Banks had shifted away from private sector lending after the 2008 financial crisis and instead focused on low-risk government bonds. This led to declining private sector credit and economic growth. However, government bond issuance boosted bank profits in 2014 without real banking activity. The document calls for banks to refocus on commercial and private sector lending in 2015, such as consumer, SME, mortgage, and corporate lending, to maintain profitability as bond issuance declines. It also discusses challenges around improving recovery laws, expanding financial inclusion, and growing the Islamic banking sector.
Mollifying poverty through microfinance indian perspectiveAlexander Decker
1) Microfinance is seen as a tool to reduce poverty levels in India by providing credit to the poor and disadvantaged who lack access to formal financial services.
2) The government of India has implemented various microfinance schemes through organizations like NABARD and SIDBI to expand access to microcredit and support self-help groups and microfinance institutions.
3) These schemes arrange funding for MFIs/NGOs, provide training, and help build institutional capacity to identify viable projects and beneficiaries. Budgetary support and an oversight committee also help scale microfinance programs.
American Research Journal of Humanities & Social Science (ARJHSS) is a double blind peer reviewed, open access journal published by (ARJHSS).
The main objective of ARJHSS is to provide an intellectual platform for the international scholars. ARJHSS aims to promote interdisciplinary studies in Humanities & Social Science and become the leading journal in Humanities & Social Science in the world.
micro finance institution analysis in indiarohitsethi69
The document is a presentation on microfinance in India. It discusses the definition of microfinance and provides statistics on microfinance initiatives in India, including the number of districts and clients served. It also notes trends in loan amounts and growth rates. The presentation outlines some of the key issues and challenges faced by microfinance institutions, such as rapid growth and commercialization leading to lower quality services. It concludes by recommending strategies for microfinance institutions to manage risks and maintain proper systems.
Changing Issues Related to Declining of Non-Performing Assets in Banksijtsrd
This paper explores an empirical approach to the analysis of Non Performance Assets NPAs of public, private, and foreign sector banks in India. the NPAs are considered as an important parameter to judge the performance and financial health of banks. The level of NPAs is one of the drivers of financial stability and growth of the banking sector. This paper aims to find the fundamental factors which impact NPAs of banks. A model consisting oftivo types of factors, viz., macroeco nomie factors and bank specific parameters, is developed arid the behavior of NPAs of the three categories of banks is observed. The empirical analysis assesses how macroeconomic factors and bank specific parameters affect NPAs of a particular category of banks. The results show that movement in NPAs over the years can be explained well by the factors considered in the model for the public and private sector banks. The other important results derived from the analysis include the finding that banks exposure to priority sector lending educes NPAs. The Impact of competitive culture of public,, private, and foreign sector banks in India with in themselves helpes in declining of NPAs from banks. Dr. Mohan S. Rode "Changing Issues Related to Declining of Non-Performing Assets in Banks" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29684.pdf Paper URL: https://www.ijtsrd.com/management/other/29684/changing-issues-related-to-declining-of-non-performing-assets-in-banks/dr-mohan-s-rode
The document is the annual report for 2014-15 of Jammu and Kashmir Bank Limited (J&K Bank). It discusses how 2014 was a difficult year for the banking industry in India and especially for J&K Bank due to unprecedented floods in Jammu and Kashmir in September 2014. This led to increased non-performing assets and lower credit growth for J&K Bank. However, the Chairman's message expresses optimism that the operating environment will improve in 2015-16 with the Indian economy expected to grow at around 7% and the J&K economy also projected to witness revival.
The document analyzes the risks associated with establishing a banking business in Bangladesh. It finds that there are significant political and economic risks that make operating in Bangladesh's financial system difficult. Specifically:
- There are concerns about political turmoil and a lack of contract enforcement that undermine trust and reliability in the banking sector.
- Bangladesh's weak budget means that failing banks could not rely on government support like bailouts.
- Existing foreign banks operating in Bangladesh (HSBC, Citi, Standard Chartered) have not achieved sufficient returns given the risks involved.
- Bangladesh relies heavily on the garment export sector, leaving its economy vulnerable to external shocks. Its overall economic and financial volatility is much higher than more
This document presents information on microfinance in India. It discusses how microfinance provides financial services like credit, savings and insurance to poor individuals. It notes that microfinance aims to improve livelihoods through capital provision. The document provides statistics on microfinance in India and outlines the roles of various regulatory bodies. It discusses self-help groups and their importance in poverty alleviation. It also examines the role of banks in providing assistance to microfinance institutions and some problems faced by these institutions. Finally, it proposes various solutions and concludes by emphasizing the potential of self-help groups and microfinance to reduce poverty in India.
The document provides an executive summary and analysis of key industries in India, including banks, cement, infrastructure, IT, and media & entertainment. It summarizes that the RBI kept interest rates unchanged at its mid-December policy meeting while cement stock prices declined sharply. It also notes that infrastructure stocks performed the worst for the year due to higher costs and slower growth, while IT stocks were mixed as the rupee hit record lows against the dollar.
Growing NPAs and Future of Banking in India by vinay shahane vinay shahane
A healthy banking system is essential for any economy striving to achieve growth and remain stable in competitive global business environment. Multiple macroeconomic, demographic, and technological developments make the Indian banking sector one of the most attractive opportunities globally. Challenges like high stressed asset levels and fragmented ndustry structure are dragging down performance and threatening future growth. The best indicator for the health of the banking industry in a country is its level of Non-performing assets (NPAs).Urgent attention is required to ensure that the sector can continue to be a key driver of Indian economy.
The QE index in Qatar declined 0.5% on the day led by losses in the real estate and transportation indices. Qatar Cinema & Film Dist. Co. and Qatar Islamic Bank were the top losers, falling over 7.5% and 1.6% respectively. Trading volume declined 5.6% from the previous day and was 24.8% lower than the 30-day average. Banking sector data showed loans and deposits dipped slightly in November while the loan to deposit ratio remained at 107%. The Qatari economy is forecast to grow 6% in 2013 due to higher gas production.
Dynamic capabilities and performance in the context of microfinance instituti...hunypink
This document summarizes a research study that will examine how dynamic capabilities affect the performance of microfinance institutions in Kenya. It will focus on 13 licensed microfinance institutions from 2017 to 2018. The study will assess how absorptive capability, adaptive capability, innovative capability, and networking capability impact various performance measures. It will also analyze whether strategic choice and business regulatory environment moderate the relationship between dynamic capabilities and performance. The research will use theories on dynamic capabilities, strategic choice, and institutions to guide the study. It will employ a quantitative research design using surveys and secondary data to collect information on the variables.
Bank of America presented opportunities for continued growth in consumer and small business banking. They cited their size, scale, and track record of growth as advantages. Some key opportunities discussed included optimizing performance in local markets, growing small business banking, expanding across the consumer credit continuum, and increasing market share in areas like credit cards, affinity partnerships, and online banking. The presentation emphasized how Bank of America's resources and diversified business model position it to continue expanding organically.
Hewlett-Packard reported financial results for the third quarter of fiscal year 2008. Net revenue was $28.03 billion, a 10% increase from the same quarter last year. Earnings from operations were $2.53 billion. After accounting for various adjustments including amortization expenses and restructuring charges, non-GAAP earnings from operations were $2.75 billion, a 20% increase over the prior year. For the nine months ended July 31, 2008, net revenue increased 11% to $84.76 billion, while non-GAAP earnings from operations grew 25% to $8.39 billion compared to the same period last year.
Ford reported its financial results for the fourth quarter and full year 2007. Key highlights include:
- Wholesales increased 1.6% in the fourth quarter but were down 6.5% for the full year.
- Fourth quarter revenue increased $5.3 billion but the company had a pre-tax loss of $620 million compared to a profit of $1.3 billion in 2006.
- For the full year, revenue increased $13.8 billion but the company had a pre-tax loss of $366 million compared to a profit of $2.3 billion in 2006.
- Cost reductions of $1.8 billion were achieved for the full year but special items negatively impacted results.
An empirical analysis of the liquidity, solvency and financial health of smal...Alexander Decker
This document analyzes the liquidity, solvency, and financial health of small and medium enterprises (SMEs) in Kisii Municipality, Kenya through ratio analysis of financial statements from 3 SMEs over 2009-2011. The study finds that on average, the SMEs' liquidity is low, solvency is low, and financial health is not good based on Altman's Z-score model. Additionally, the results show current ratio, quick ratio, and debt-to-total assets ratio significantly impact return on assets. The study recommends SMEs improve liquidity, solvency, and financial stability management.
Effect of capital adequacy on the profitability of theolufemiadebayo
This document examines the effect of capital adequacy requirements on the profitability and performance of Nigerian banks from 1999-2008. It analyzes the relationship between capital adequacy ratios and various performance indicators like return on assets, return on capital employed, and efficiency ratios. The study finds that increases in banks' capital bases did not significantly improve their profitability or performance. This suggests that simply increasing capital requirements is not enough and other factors like corporate governance, personnel training, and macroeconomic stability also influence banks' financial health. The paper recommends pragmatic reforms in these areas to help ensure soundness in the Nigerian banking sector.
The document discusses factors that determine the profitability and liquidity of commercial banks. It lists 10 factors that affect profitability, including the amount of working funds deployed, cost and yield of funds, spread, operating costs, risk costs, non-interest income, technology usage, level of non-performing assets, and competition level. It also lists 8 factors that determine liquidity, such as statutory reserve requirements, banking habits, monetary transactions, money market conditions, banking system structure, deposit size and type, and other banks' liquidity policies. Maintaining a balance between profitability and liquidity ensures a commercial bank's sound operation.
This document summarizes the Mongolian banking sector and economy. It discusses how the banking sector has grown rapidly along with the Mongolian economy in recent years. The top 3 banks control 70% of banking sector assets. The banking sector faces challenges in developing interbank markets, long-term funding sources, and risk management systems. The government is working to modernize regulations to strengthen prudential standards and develop capital markets.
The document provides an overview of HSBC's operations and strategy in China. It discusses:
1) China's strong economic growth and regional development trends driving transition to higher value industries.
2) Foreign banks in China, with 21 approved for local incorporation including HSBC, Standard Chartered, and Citibank.
3) HSBC's local incorporation in China in 2007, allowing expansion of its network and services across the country.
4) HSBC's two-pronged strategy of organic growth through its own branch network and creating value from strategic partnerships and investments in Chinese banks.
FINANCIAL PERFORMANCE OF MICROFINANCE INSTITUTIONSRupa R
The document provides an introduction and background to a study comparing the financial performance of microfinance institutions (MFIs) in India and Bangladesh. It outlines the research methodology, which involves analyzing seven categories of financial performance indicators for 46 Indian MFIs and 25 Bangladeshi MFIs over 2007-2012 using statistical tools. Hypotheses that performance is similar across countries and does not depend on age or only financial factors will be tested. Multiple regression analysis will examine the influence of institutional characteristics, outreach, financial performance, revenues/expenses, efficiency, and risk on overall performance.
Capital adequacy ratio and banking risks in the nigeria money deposit banksAlexander Decker
1) The document examines the relationship between capital adequacy ratio (CAR) and banking risks in Nigerian banks from 2007-2011. It uses regression analysis to analyze how CAR is affected by risk-weighted asset ratio, deposit ratio, and inflation rate.
2) The results show there is a significant negative relationship between risk levels and CAR, meaning higher risks are associated with lower CAR. There is also a negative relationship between deposits and CAR, so increased deposits do not necessarily increase CAR.
3) The study recommends Nigerian banks adopt a risk-based approach to managing capital instead of just focusing on paid-up capital and earnings. It also recommends banks improve approaches to protect depositor money since deposits do not always increase
This document provides an overview of the Pakistani banking sector in 2014. It notes that while macroeconomic conditions improved last year, it was a challenging year for banks. Banks had shifted away from private sector lending after the 2008 financial crisis and instead focused on low-risk government bonds. This led to declining private sector credit and economic growth. However, government bond issuance boosted bank profits in 2014 without real banking activity. The document calls for banks to refocus on commercial and private sector lending in 2015, such as consumer, SME, mortgage, and corporate lending, to maintain profitability as bond issuance declines. It also discusses challenges around improving recovery laws, expanding financial inclusion, and growing the Islamic banking sector.
Mollifying poverty through microfinance indian perspectiveAlexander Decker
1) Microfinance is seen as a tool to reduce poverty levels in India by providing credit to the poor and disadvantaged who lack access to formal financial services.
2) The government of India has implemented various microfinance schemes through organizations like NABARD and SIDBI to expand access to microcredit and support self-help groups and microfinance institutions.
3) These schemes arrange funding for MFIs/NGOs, provide training, and help build institutional capacity to identify viable projects and beneficiaries. Budgetary support and an oversight committee also help scale microfinance programs.
American Research Journal of Humanities & Social Science (ARJHSS) is a double blind peer reviewed, open access journal published by (ARJHSS).
The main objective of ARJHSS is to provide an intellectual platform for the international scholars. ARJHSS aims to promote interdisciplinary studies in Humanities & Social Science and become the leading journal in Humanities & Social Science in the world.
micro finance institution analysis in indiarohitsethi69
The document is a presentation on microfinance in India. It discusses the definition of microfinance and provides statistics on microfinance initiatives in India, including the number of districts and clients served. It also notes trends in loan amounts and growth rates. The presentation outlines some of the key issues and challenges faced by microfinance institutions, such as rapid growth and commercialization leading to lower quality services. It concludes by recommending strategies for microfinance institutions to manage risks and maintain proper systems.
Changing Issues Related to Declining of Non-Performing Assets in Banksijtsrd
This paper explores an empirical approach to the analysis of Non Performance Assets NPAs of public, private, and foreign sector banks in India. the NPAs are considered as an important parameter to judge the performance and financial health of banks. The level of NPAs is one of the drivers of financial stability and growth of the banking sector. This paper aims to find the fundamental factors which impact NPAs of banks. A model consisting oftivo types of factors, viz., macroeco nomie factors and bank specific parameters, is developed arid the behavior of NPAs of the three categories of banks is observed. The empirical analysis assesses how macroeconomic factors and bank specific parameters affect NPAs of a particular category of banks. The results show that movement in NPAs over the years can be explained well by the factors considered in the model for the public and private sector banks. The other important results derived from the analysis include the finding that banks exposure to priority sector lending educes NPAs. The Impact of competitive culture of public,, private, and foreign sector banks in India with in themselves helpes in declining of NPAs from banks. Dr. Mohan S. Rode "Changing Issues Related to Declining of Non-Performing Assets in Banks" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29684.pdf Paper URL: https://www.ijtsrd.com/management/other/29684/changing-issues-related-to-declining-of-non-performing-assets-in-banks/dr-mohan-s-rode
The document is the annual report for 2014-15 of Jammu and Kashmir Bank Limited (J&K Bank). It discusses how 2014 was a difficult year for the banking industry in India and especially for J&K Bank due to unprecedented floods in Jammu and Kashmir in September 2014. This led to increased non-performing assets and lower credit growth for J&K Bank. However, the Chairman's message expresses optimism that the operating environment will improve in 2015-16 with the Indian economy expected to grow at around 7% and the J&K economy also projected to witness revival.
The document analyzes the risks associated with establishing a banking business in Bangladesh. It finds that there are significant political and economic risks that make operating in Bangladesh's financial system difficult. Specifically:
- There are concerns about political turmoil and a lack of contract enforcement that undermine trust and reliability in the banking sector.
- Bangladesh's weak budget means that failing banks could not rely on government support like bailouts.
- Existing foreign banks operating in Bangladesh (HSBC, Citi, Standard Chartered) have not achieved sufficient returns given the risks involved.
- Bangladesh relies heavily on the garment export sector, leaving its economy vulnerable to external shocks. Its overall economic and financial volatility is much higher than more
This document presents information on microfinance in India. It discusses how microfinance provides financial services like credit, savings and insurance to poor individuals. It notes that microfinance aims to improve livelihoods through capital provision. The document provides statistics on microfinance in India and outlines the roles of various regulatory bodies. It discusses self-help groups and their importance in poverty alleviation. It also examines the role of banks in providing assistance to microfinance institutions and some problems faced by these institutions. Finally, it proposes various solutions and concludes by emphasizing the potential of self-help groups and microfinance to reduce poverty in India.
The document provides an executive summary and analysis of key industries in India, including banks, cement, infrastructure, IT, and media & entertainment. It summarizes that the RBI kept interest rates unchanged at its mid-December policy meeting while cement stock prices declined sharply. It also notes that infrastructure stocks performed the worst for the year due to higher costs and slower growth, while IT stocks were mixed as the rupee hit record lows against the dollar.
Growing NPAs and Future of Banking in India by vinay shahane vinay shahane
A healthy banking system is essential for any economy striving to achieve growth and remain stable in competitive global business environment. Multiple macroeconomic, demographic, and technological developments make the Indian banking sector one of the most attractive opportunities globally. Challenges like high stressed asset levels and fragmented ndustry structure are dragging down performance and threatening future growth. The best indicator for the health of the banking industry in a country is its level of Non-performing assets (NPAs).Urgent attention is required to ensure that the sector can continue to be a key driver of Indian economy.
The QE index in Qatar declined 0.5% on the day led by losses in the real estate and transportation indices. Qatar Cinema & Film Dist. Co. and Qatar Islamic Bank were the top losers, falling over 7.5% and 1.6% respectively. Trading volume declined 5.6% from the previous day and was 24.8% lower than the 30-day average. Banking sector data showed loans and deposits dipped slightly in November while the loan to deposit ratio remained at 107%. The Qatari economy is forecast to grow 6% in 2013 due to higher gas production.
Dynamic capabilities and performance in the context of microfinance instituti...hunypink
This document summarizes a research study that will examine how dynamic capabilities affect the performance of microfinance institutions in Kenya. It will focus on 13 licensed microfinance institutions from 2017 to 2018. The study will assess how absorptive capability, adaptive capability, innovative capability, and networking capability impact various performance measures. It will also analyze whether strategic choice and business regulatory environment moderate the relationship between dynamic capabilities and performance. The research will use theories on dynamic capabilities, strategic choice, and institutions to guide the study. It will employ a quantitative research design using surveys and secondary data to collect information on the variables.
Bank of America presented opportunities for continued growth in consumer and small business banking. They cited their size, scale, and track record of growth as advantages. Some key opportunities discussed included optimizing performance in local markets, growing small business banking, expanding across the consumer credit continuum, and increasing market share in areas like credit cards, affinity partnerships, and online banking. The presentation emphasized how Bank of America's resources and diversified business model position it to continue expanding organically.
Hewlett-Packard reported financial results for the third quarter of fiscal year 2008. Net revenue was $28.03 billion, a 10% increase from the same quarter last year. Earnings from operations were $2.53 billion. After accounting for various adjustments including amortization expenses and restructuring charges, non-GAAP earnings from operations were $2.75 billion, a 20% increase over the prior year. For the nine months ended July 31, 2008, net revenue increased 11% to $84.76 billion, while non-GAAP earnings from operations grew 25% to $8.39 billion compared to the same period last year.
Ford reported its financial results for the fourth quarter and full year 2007. Key highlights include:
- Wholesales increased 1.6% in the fourth quarter but were down 6.5% for the full year.
- Fourth quarter revenue increased $5.3 billion but the company had a pre-tax loss of $620 million compared to a profit of $1.3 billion in 2006.
- For the full year, revenue increased $13.8 billion but the company had a pre-tax loss of $366 million compared to a profit of $2.3 billion in 2006.
- Cost reductions of $1.8 billion were achieved for the full year but special items negatively impacted results.
Saurabh Jain is currently the Director and CEO of Thinvent Technologies Pvt. Ltd. in New Delhi, where he develops Linux based solutions for government and NGO customers. Prior to this role, he worked at several companies in software engineering and management roles developing embedded firmware, IT solutions, and networking applications. He has a Masters in Electrical Engineering from IIT Madras and experience in fields such as wireless networking, digital signal processing, and machine learning.
This document is a cookbook containing recipes for appetizers, relishes, and pickles that was published by the Pataskala Church of the Nazarene in Pataskala, Ohio. It includes over 50 recipes organized into sections for appetizers, relishes, and pickles. The recipes provide instructions for making items like bacon and egg cups, cheese balls, spinach dip, and various vegetable relishes. An introduction dedicates the cookbook to all cooks and thanks those who contributed recipes.
In 2006, Lehman Brothers pursued a diversified global growth strategy that identified opportunities worldwide. Its strategy was to continue investing in a diversified mix of businesses, expand its client base, deliver effective services to clients, effectively manage risks and expenses, and strengthen its culture. Financially, Lehman Brothers saw increases in net revenues, net income, total assets, long-term borrowings, stockholders' equity, and other metrics from 2005 to 2006.
Innovating Through Recession by Andrew Razeghi of Kellog School of ManagementQuarterlyEarningsReports3
This document discusses strategies for innovating during an economic recession. It argues that recessions provide opportunities to launch new products and businesses when competition is reduced. It provides examples of companies from the 1930s Great Depression that successfully innovated, such as Fortune Magazine, Kraft, and Revlon. The document recommends listening closely to customer needs, investing in customer relationships to build loyalty, and adding more value rather than just reducing prices during economic downturns.
The document discusses opportunities and challenges for banking in India from a banker's perspective. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. The banking sector is well-regulated and growing rapidly but still has significant untapped potential, especially in retail banking and serving rural/agricultural areas, as penetration of banking and financial services remains relatively low compared to other countries. It concludes that while the future is bright, the banking sector will face challenges in areas like further strengthening regulations, achieving greater financial inclusion, improving productivity, and transforming to offer more specialized services.
The document summarizes opportunities and challenges for the banking sector in India. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. The banking sector has grown significantly and become more robust and technologically advanced, but still has potential for further expansion and consolidation. Significant untapped opportunities remain in retail banking, insurance, wealth management and increasing financial inclusion. Key future challenges include meeting capital requirements, improving financial inclusion, and increasing efficiency.
The document summarizes opportunities and challenges for the banking sector in India. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. The banking sector has also grown significantly and become more robust and technologically advanced, but still has potential for further expansion and improvement in financial inclusion. Overall, the banking sector is well-positioned to help drive and benefit from India's continued economic growth, but will need to address ongoing challenges to reach its full potential.
The document summarizes opportunities and challenges for the banking sector in India. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. The banking sector has grown significantly and become more robust and technologically advanced, but still has potential for further expansion and consolidation. Significant untapped opportunities remain in retail banking, insurance, wealth management and increasing financial inclusion. Key future challenges include meeting capital requirements, improving financial inclusion, and increasing efficiency.
The document summarizes opportunities and challenges for the banking sector in India. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. The banking sector has grown significantly and become more robust and technologically advanced, but still has potential for further expansion and consolidation. Significant untapped opportunities remain in retail banking, insurance, wealth management and increasing financial inclusion. Key future challenges include meeting capital requirements, improving financial inclusion, and increasing efficiency.
The document summarizes opportunities and challenges for the banking sector in India. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. The banking sector has also grown significantly and become more robust and technologically advanced, but still has potential for further expansion and improvement in financial inclusion. Overall, the banking sector is well-positioned to help drive and benefit from India's continued economic growth, but will need to address ongoing challenges to reach its full potential.
The document summarizes opportunities and challenges for the banking sector in India. It notes that India has one of the fastest growing economies in the world, fueled by a growing middle class and consumption growth. However, banking penetration remains low compared to other countries, with opportunities in retail lending, insurance, wealth management and more. The banking sector has grown strongly but still faces challenges in areas like financial inclusion, consolidation, technology adoption and improving efficiency.
The document summarizes opportunities for growth in India's financial sector. It notes that consumption is fueling economic growth but financial products like insurance and mutual funds have low penetration compared to global averages, representing significant untapped potential. It also discusses trends toward increased banking technology and consolidation that position the Indian financial industry for continued expansion.
The document summarizes opportunities and challenges for doing business in India from a banker's perspective. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. It also highlights opportunities in various sectors like IT, pharmaceuticals, and manufacturing. The banking sector is well-regulated and growing rapidly, however, sectors like insurance and mutual funds still have low penetration levels compared to global standards, indicating significant untapped potential. Overall, the "Big Picture" is that India offers many opportunities across diverse sectors for further business and economic growth.
The document summarizes opportunities and challenges for doing business in India from a banker's perspective. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. It also highlights opportunities in various sectors like IT, pharmaceuticals, and manufacturing. The banking sector is well-regulated and growing rapidly, however, sectors like insurance and mutual funds still have low penetration levels compared to global standards, indicating significant untapped potential. Overall, the "Big Picture" is that India offers many opportunities across diverse sectors for further business and economic growth.
The document summarizes opportunities for growth in India's financial sector. It notes that consumption is fueling economic growth but financial products like insurance and mutual funds have low penetration compared to global averages, representing significant untapped potential. It also discusses trends toward increased banking technology and consolidation that position the Indian financial industry for continued expansion.
The document summarizes opportunities for growth in India's financial sector. It notes that consumption is fueling economic growth but financial products like insurance and mutual funds have low penetration compared to global averages, representing significant untapped potential. It also discusses the expansion of banking services like credit cards, ATMs, and online banking, demonstrating the increasing access to financial services in India.
The document summarizes opportunities for growth in India's financial sector. It notes that consumption is fueling economic growth but financial products like insurance and mutual funds have low penetration compared to global averages, representing significant untapped potential. It also discusses trends toward increased banking technology and highlights the growing middle class as an important driver of future financial sector growth in India.
The document summarizes opportunities and challenges for doing business in India from a banker's perspective. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. It also highlights opportunities in various sectors like IT, pharmaceuticals, and manufacturing. The banking sector is well-regulated and growing rapidly, however, sectors like insurance and mutual funds still have low penetration levels compared to global standards, indicating significant untapped potential. Overall, the "Big Picture" is that India offers many opportunities across diverse sectors for further business and economic growth.
The document summarizes opportunities for growth in India's financial sector. It notes that consumption is fueling economic growth but financial products like insurance and mutual funds have low penetration compared to global averages, representing significant untapped potential. It also discusses trends toward increased banking technology and consolidation that position the Indian financial industry for continued expansion.
The document summarizes opportunities and challenges for the banking sector in India. It notes that India has one of the fastest growing economies in the world, fueled by a growing middle class and consumption growth. However, banking penetration remains low compared to other countries, with many opportunities remaining in areas like consumer loans, insurance, wealth management and financial inclusion. The banking sector has grown strongly but still faces challenges in areas like reducing costs, improving governance and transforming to offer more specialized products and services.
The document summarizes opportunities and challenges for doing business in India from a banker's perspective. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. It also highlights opportunities in various sectors like IT, pharmaceuticals, and manufacturing. The banking sector is well-regulated and growing rapidly, however, sectors like insurance and mutual funds still have low penetration levels compared to global standards, indicating significant untapped potential. Overall, the "Big Picture" is that India offers many opportunities across diverse sectors for further business and economic growth.
The document summarizes opportunities and challenges for doing business in India from a banker's perspective. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. It also highlights opportunities in various sectors like IT, pharmaceuticals, and manufacturing. The banking sector is well-regulated and growing rapidly, however, sectors like insurance and mutual funds still have low penetration levels compared to global standards, indicating significant untapped potential. Overall, the "Big Picture" is that India offers many opportunities across diverse sectors for further business and economic growth.
The document summarizes opportunities for growth in India's financial sector. It notes that consumption is fueling economic growth but financial products like insurance and mutual funds have low penetration compared to global averages, representing significant untapped potential. It also discusses the expansion of banking services like credit cards, ATMs, and online banking, demonstrating growth in India's financial sector and emerging middle class.
The document summarizes opportunities and challenges for doing business in India from a banker's perspective. It notes that India has one of the fastest growing economies in the world, fueled by consumption growth. It also highlights opportunities in various sectors like IT, pharmaceuticals, and manufacturing. The banking sector is well-regulated and growing rapidly, however, sectors like insurance and mutual funds still have low penetration levels compared to global standards, indicating significant untapped potential. Overall, the "Big Picture" is that India offers many opportunities across diverse sectors for further business and economic growth.
1) The annual report summarizes AIG's financial performance in 2007, which saw a decline from 2006 levels. Net income fell 55.9% to $6.2 billion, while revenues fell 2.9% to $110.1 billion. Book value per share and shareholders' equity also declined.
2) Key events and accomplishments in 2007 included receiving approval to establish a wholly owned general insurance subsidiary in China, expanding operations in other Asian markets like Korea and Vietnam, and making progress on the "Deliver the Firm" customer-focused strategy.
3) Challenges in 2007 included higher losses and expenses in some businesses as well as weaknesses in some product lines and distribution channels that need to be addressed
This document provides an overview of the subprime mortgage meltdown that occurred from 2006 to 2008. It begins with quotes from Treasury Secretary Henry Paulson showing the changing view of the strength of the US financial system. It then discusses the growth of subprime lending and adjustable rate mortgages, fueled by low interest rates. This led to a housing bubble and boom in home construction. However, rising default rates among subprime borrowers triggered a wider crisis and collapse of major financial firms.
The document discusses the predictions of economic experts for a recession and market decline in the near future due to mismanagement by the Federal Reserve and federal government. It notes predictions from 2007 of a 50-60% market decline and recession worse than the Great Depression. It discusses the declining value of the US dollar and rising national debt. Finally, it summarizes recent retail store closures and bankruptcies as symptomatic of a struggling US economy.
- Freddie Mac's 2007 annual report summarizes the company's activities and financial results for the year.
- Freddie Mac faced significant challenges in 2007 due to the downturn in the housing market, including losses of $3.1 billion. However, a large portion of the losses were due to mark-to-market accounting rules rather than economic losses.
- Despite the difficulties, Freddie Mac continued its mission of providing liquidity and stability to the U.S. housing market. The company helped many families avoid foreclosure and expanded affordable housing programs.
This document provides an introduction and summary of the World Economic Forum's inaugural Financial Development Report 2008. It was published at a time of financial instability and uncertainty. The report aims to provide a holistic perspective on financial development by assessing countries' financial systems, examining the link between finance and economic growth, and discussing financial reforms. It incorporates input from academics, business and political leaders through the Forum's multistakeholder engagement process. The report includes the Financial Development Index, country profiles, data tables, and analysis to facilitate discussions on financial system strengths, priorities and reforms.
The document provides an overview and analysis of global risks for 2009 as identified by the World Economic Forum's Global Risk Network. It finds that risks related to deteriorating fiscal positions, a sudden slowdown in China's economy, further declines in asset prices, resource challenges exacerbated by climate change, and gaps in global governance pose significant threats. The financial crisis has demonstrated the interconnected nature of the global economy and amplified many pre-existing risks. Going forward, leadership and coordinated international cooperation will be needed to balance responses to the immediate economic situation with efforts to mitigate longer-term risks.
The document summarizes venture capital investment trends in the United States for the fourth quarter and full year of 2008 based on data from the MoneyTree Report published by PricewaterhouseCoopers and the National Venture Capital Association. US venture capital investments declined 8% in 2008 to $28.3 billion, down from $30.9 billion in 2007. The bulk of investments went to expansion and later stage deals rather than early stage/seed deals. The number of deals also declined in 2008 compared to 2007.
Hewlett-Packard reported their Q4 2008 earnings. Key points:
- Revenue grew 19% year-over-year to $33.6 billion, up 16% excluding EDS acquisition.
- Non-GAAP operating profit grew 21% to $3.4 billion, or 10.1% of revenue.
- Non-GAAP EPS grew 20% to $1.03.
- Personal Systems revenue grew 10% to $11.2 billion, with notebook revenue up 21%.
- Imaging and Printing revenue declined 1% to $7.5 billion, with supplies revenue up 9%.
- Enterprise Storage and Servers revenue declined 1% to $5.
This document discusses how businesses can prepare for unexpected events that could disrupt operations through developing a business continuity plan. It emphasizes that quality also means a business's ability to continuously supply customers' needs no matter what challenges occur. The document outlines key aspects a business continuity plan should address such as vulnerabilities, crisis management, information technology restoration, and training to test the plan. Developing a written, practiced plan can help businesses survive disruptions and be more resilient.
This document provides a summary of U.S. frequency allocations across various bands. It includes a table organized by frequency ranges listed in MHz along the left side and activity designations listed across the top. The table contents primary designations for different frequencies in capital letters and secondary designations in lowercase. It is intended to determine the current status of frequency allocations by the FCC and NTIA but may not reflect all recent changes.
The Indian economy is one of the fastest growing in the world, fueled by consumption which accounts for 78% of GDP. Services contribute over 60% to GDP, and new industries like IT, pharmaceuticals, and biotechnology are emerging as growth engines. Economic reforms are ongoing and innovation is driving competitive enterprises, making India a hub for manufacturing excellence.
This document lists various Ruby gems, providing a brief description for each. It includes gems for web application frameworks like Rails, testing tools like ZenTest, utilities like Capistrano for deployment, and libraries for tasks like XML processing and interfacing with YouTube. In total, 26 different Ruby gems are summarized.
The Indian economy is one of the fastest growing in the world, fueled by consumption which accounts for 78% of GDP. Services contribute over 60% to GDP, and new industries like IT, pharmaceuticals, and biotechnology are emerging as growth engines alongside manufacturing. Economic reforms remain ongoing as India establishes itself as a competitive, innovative hub driven by private enterprises.
Monitoring and Managing Anomaly Detection on OpenShift.pdfTosin Akinosho
Monitoring and Managing Anomaly Detection on OpenShift
Overview
Dive into the world of anomaly detection on edge devices with our comprehensive hands-on tutorial. This SlideShare presentation will guide you through the entire process, from data collection and model training to edge deployment and real-time monitoring. Perfect for those looking to implement robust anomaly detection systems on resource-constrained IoT/edge devices.
Key Topics Covered
1. Introduction to Anomaly Detection
- Understand the fundamentals of anomaly detection and its importance in identifying unusual behavior or failures in systems.
2. Understanding Edge (IoT)
- Learn about edge computing and IoT, and how they enable real-time data processing and decision-making at the source.
3. What is ArgoCD?
- Discover ArgoCD, a declarative, GitOps continuous delivery tool for Kubernetes, and its role in deploying applications on edge devices.
4. Deployment Using ArgoCD for Edge Devices
- Step-by-step guide on deploying anomaly detection models on edge devices using ArgoCD.
5. Introduction to Apache Kafka and S3
- Explore Apache Kafka for real-time data streaming and Amazon S3 for scalable storage solutions.
6. Viewing Kafka Messages in the Data Lake
- Learn how to view and analyze Kafka messages stored in a data lake for better insights.
7. What is Prometheus?
- Get to know Prometheus, an open-source monitoring and alerting toolkit, and its application in monitoring edge devices.
8. Monitoring Application Metrics with Prometheus
- Detailed instructions on setting up Prometheus to monitor the performance and health of your anomaly detection system.
9. What is Camel K?
- Introduction to Camel K, a lightweight integration framework built on Apache Camel, designed for Kubernetes.
10. Configuring Camel K Integrations for Data Pipelines
- Learn how to configure Camel K for seamless data pipeline integrations in your anomaly detection workflow.
11. What is a Jupyter Notebook?
- Overview of Jupyter Notebooks, an open-source web application for creating and sharing documents with live code, equations, visualizations, and narrative text.
12. Jupyter Notebooks with Code Examples
- Hands-on examples and code snippets in Jupyter Notebooks to help you implement and test anomaly detection models.
Your One-Stop Shop for Python Success: Top 10 US Python Development Providersakankshawande
Simplify your search for a reliable Python development partner! This list presents the top 10 trusted US providers offering comprehensive Python development services, ensuring your project's success from conception to completion.
The Microsoft 365 Migration Tutorial For Beginner.pptxoperationspcvita
This presentation will help you understand the power of Microsoft 365. However, we have mentioned every productivity app included in Office 365. Additionally, we have suggested the migration situation related to Office 365 and how we can help you.
You can also read: https://www.systoolsgroup.com/updates/office-365-tenant-to-tenant-migration-step-by-step-complete-guide/
Have you ever been confused by the myriad of choices offered by AWS for hosting a website or an API?
Lambda, Elastic Beanstalk, Lightsail, Amplify, S3 (and more!) can each host websites + APIs. But which one should we choose?
Which one is cheapest? Which one is fastest? Which one will scale to meet our needs?
Join me in this session as we dive into each AWS hosting service to determine which one is best for your scenario and explain why!
5th LF Energy Power Grid Model Meet-up SlidesDanBrown980551
5th Power Grid Model Meet-up
It is with great pleasure that we extend to you an invitation to the 5th Power Grid Model Meet-up, scheduled for 6th June 2024. This event will adopt a hybrid format, allowing participants to join us either through an online Mircosoft Teams session or in person at TU/e located at Den Dolech 2, Eindhoven, Netherlands. The meet-up will be hosted by Eindhoven University of Technology (TU/e), a research university specializing in engineering science & technology.
Power Grid Model
The global energy transition is placing new and unprecedented demands on Distribution System Operators (DSOs). Alongside upgrades to grid capacity, processes such as digitization, capacity optimization, and congestion management are becoming vital for delivering reliable services.
Power Grid Model is an open source project from Linux Foundation Energy and provides a calculation engine that is increasingly essential for DSOs. It offers a standards-based foundation enabling real-time power systems analysis, simulations of electrical power grids, and sophisticated what-if analysis. In addition, it enables in-depth studies and analysis of the electrical power grid’s behavior and performance. This comprehensive model incorporates essential factors such as power generation capacity, electrical losses, voltage levels, power flows, and system stability.
Power Grid Model is currently being applied in a wide variety of use cases, including grid planning, expansion, reliability, and congestion studies. It can also help in analyzing the impact of renewable energy integration, assessing the effects of disturbances or faults, and developing strategies for grid control and optimization.
What to expect
For the upcoming meetup we are organizing, we have an exciting lineup of activities planned:
-Insightful presentations covering two practical applications of the Power Grid Model.
-An update on the latest advancements in Power Grid -Model technology during the first and second quarters of 2024.
-An interactive brainstorming session to discuss and propose new feature requests.
-An opportunity to connect with fellow Power Grid Model enthusiasts and users.
[OReilly Superstream] Occupy the Space: A grassroots guide to engineering (an...Jason Yip
The typical problem in product engineering is not bad strategy, so much as “no strategy”. This leads to confusion, lack of motivation, and incoherent action. The next time you look for a strategy and find an empty space, instead of waiting for it to be filled, I will show you how to fill it in yourself. If you’re wrong, it forces a correction. If you’re right, it helps create focus. I’ll share how I’ve approached this in the past, both what works and lessons for what didn’t work so well.
FREE A4 Cyber Security Awareness Posters-Social Engineering part 3Data Hops
Free A4 downloadable and printable Cyber Security, Social Engineering Safety and security Training Posters . Promote security awareness in the home or workplace. Lock them Out From training providers datahops.com
GraphRAG for Life Science to increase LLM accuracyTomaz Bratanic
GraphRAG for life science domain, where you retriever information from biomedical knowledge graphs using LLMs to increase the accuracy and performance of generated answers
Fueling AI with Great Data with Airbyte WebinarZilliz
This talk will focus on how to collect data from a variety of sources, leveraging this data for RAG and other GenAI use cases, and finally charting your course to productionalization.
For the full video of this presentation, please visit: https://www.edge-ai-vision.com/2024/06/how-axelera-ai-uses-digital-compute-in-memory-to-deliver-fast-and-energy-efficient-computer-vision-a-presentation-from-axelera-ai/
Bram Verhoef, Head of Machine Learning at Axelera AI, presents the “How Axelera AI Uses Digital Compute-in-memory to Deliver Fast and Energy-efficient Computer Vision” tutorial at the May 2024 Embedded Vision Summit.
As artificial intelligence inference transitions from cloud environments to edge locations, computer vision applications achieve heightened responsiveness, reliability and privacy. This migration, however, introduces the challenge of operating within the stringent confines of resource constraints typical at the edge, including small form factors, low energy budgets and diminished memory and computational capacities. Axelera AI addresses these challenges through an innovative approach of performing digital computations within memory itself. This technique facilitates the realization of high-performance, energy-efficient and cost-effective computer vision capabilities at the thin and thick edge, extending the frontier of what is achievable with current technologies.
In this presentation, Verhoef unveils his company’s pioneering chip technology and demonstrates its capacity to deliver exceptional frames-per-second performance across a range of standard computer vision networks typical of applications in security, surveillance and the industrial sector. This shows that advanced computer vision can be accessible and efficient, even at the very edge of our technological ecosystem.
HCL Notes and Domino License Cost Reduction in the World of DLAUpanagenda
Webinar Recording: https://www.panagenda.com/webinars/hcl-notes-and-domino-license-cost-reduction-in-the-world-of-dlau/
The introduction of DLAU and the CCB & CCX licensing model caused quite a stir in the HCL community. As a Notes and Domino customer, you may have faced challenges with unexpected user counts and license costs. You probably have questions on how this new licensing approach works and how to benefit from it. Most importantly, you likely have budget constraints and want to save money where possible. Don’t worry, we can help with all of this!
We’ll show you how to fix common misconfigurations that cause higher-than-expected user counts, and how to identify accounts which you can deactivate to save money. There are also frequent patterns that can cause unnecessary cost, like using a person document instead of a mail-in for shared mailboxes. We’ll provide examples and solutions for those as well. And naturally we’ll explain the new licensing model.
Join HCL Ambassador Marc Thomas in this webinar with a special guest appearance from Franz Walder. It will give you the tools and know-how to stay on top of what is going on with Domino licensing. You will be able lower your cost through an optimized configuration and keep it low going forward.
These topics will be covered
- Reducing license cost by finding and fixing misconfigurations and superfluous accounts
- How do CCB and CCX licenses really work?
- Understanding the DLAU tool and how to best utilize it
- Tips for common problem areas, like team mailboxes, functional/test users, etc
- Practical examples and best practices to implement right away
Main news related to the CCS TSI 2023 (2023/1695)Jakub Marek
An English 🇬🇧 translation of a presentation to the speech I gave about the main changes brought by CCS TSI 2023 at the biggest Czech conference on Communications and signalling systems on Railways, which was held in Clarion Hotel Olomouc from 7th to 9th November 2023 (konferenceszt.cz). Attended by around 500 participants and 200 on-line followers.
The original Czech 🇨🇿 version of the presentation can be found here: https://www.slideshare.net/slideshow/hlavni-novinky-souvisejici-s-ccs-tsi-2023-2023-1695/269688092 .
The videorecording (in Czech) from the presentation is available here: https://youtu.be/WzjJWm4IyPk?si=SImb06tuXGb30BEH .
Driving Business Innovation: Latest Generative AI Advancements & Success StorySafe Software
Are you ready to revolutionize how you handle data? Join us for a webinar where we’ll bring you up to speed with the latest advancements in Generative AI technology and discover how leveraging FME with tools from giants like Google Gemini, Amazon, and Microsoft OpenAI can supercharge your workflow efficiency.
During the hour, we’ll take you through:
Guest Speaker Segment with Hannah Barrington: Dive into the world of dynamic real estate marketing with Hannah, the Marketing Manager at Workspace Group. Hear firsthand how their team generates engaging descriptions for thousands of office units by integrating diverse data sources—from PDF floorplans to web pages—using FME transformers, like OpenAIVisionConnector and AnthropicVisionConnector. This use case will show you how GenAI can streamline content creation for marketing across the board.
Ollama Use Case: Learn how Scenario Specialist Dmitri Bagh has utilized Ollama within FME to input data, create custom models, and enhance security protocols. This segment will include demos to illustrate the full capabilities of FME in AI-driven processes.
Custom AI Models: Discover how to leverage FME to build personalized AI models using your data. Whether it’s populating a model with local data for added security or integrating public AI tools, find out how FME facilitates a versatile and secure approach to AI.
We’ll wrap up with a live Q&A session where you can engage with our experts on your specific use cases, and learn more about optimizing your data workflows with AI.
This webinar is ideal for professionals seeking to harness the power of AI within their data management systems while ensuring high levels of customization and security. Whether you're a novice or an expert, gain actionable insights and strategies to elevate your data processes. Join us to see how FME and AI can revolutionize how you work with data!
Ivanti’s Patch Tuesday breakdown goes beyond patching your applications and brings you the intelligence and guidance needed to prioritize where to focus your attention first. Catch early analysis on our Ivanti blog, then join industry expert Chris Goettl for the Patch Tuesday Webinar Event. There we’ll do a deep dive into each of the bulletins and give guidance on the risks associated with the newly-identified vulnerabilities.
What is an RPA CoE? Session 1 – CoE VisionDianaGray10
In the first session, we will review the organization's vision and how this has an impact on the COE Structure.
Topics covered:
• The role of a steering committee
• How do the organization’s priorities determine CoE Structure?
Speaker:
Chris Bolin, Senior Intelligent Automation Architect Anika Systems
Taking AI to the Next Level in Manufacturing.pdfssuserfac0301
Read Taking AI to the Next Level in Manufacturing to gain insights on AI adoption in the manufacturing industry, such as:
1. How quickly AI is being implemented in manufacturing.
2. Which barriers stand in the way of AI adoption.
3. How data quality and governance form the backbone of AI.
4. Organizational processes and structures that may inhibit effective AI adoption.
6. Ideas and approaches to help build your organization's AI strategy.
1. Doing Business in India
The Big Picture
A Banker’s Perspective
US – India Business Summit
November 29, 2006
Dr. Anil K Khandelwal
Chairman & Managing Director
Bank of Baroda
May 5, 2009 US – India Business Summit, 2006 1
2. Indian Economy – A Snapshot
One of the fastest growing in the world
Consumption growth fuelling economic growth – consumption
expenditure forming 78% of GDP
Services sector contributing over 60% to GDP
Emerging as a hub of manufacturing excellence. new growth
engines of Indian economy include IT, ITes, pharmaceuticals, bio-
technology, nano technology, agri. businesses
Where forces of competition are at work
Innovation driving enterprises
Economic reforms well on course – entering second phase
May 5, 2009 US – India Business Summit, 2006 2
3. Indian Economy – A Snapshot
“Inclusive growth” occupying central place
High untapped potential in rural / agri - economy
Indian companies on acquiring spree and going global
Indian companies pursuing global best practices and producing
world-class managers
May 5, 2009 US – India Business Summit, 2006 3
4. Improved Ranking on Business Front
World Bank – IFC Report on Doing Business in India
for 2007 has given a higher rank to India compared
to last year because :
- India has cut the time to start a business from 71 to 25 days
- Reduced the Corporate Income Tax rate from 36.59% to 33.66%
- Supreme Court’s decision has made enforcing collateral simpler –
easing access to credit
- Reforms to Stock Exchange Regulations have toughened investor
protection
May 5, 2009 US – India Business Summit, 2006 4
5. The Indian Financial Sector
Robust financial system
Well established institutions
Strong supervisory system
Progressive integration of financial markets - banking, insurance,
mutual funds, securities, commodities
High competition marked by innovation
High technology absorption
Rediscovery of the Indian customer
21st century customer driving innovations in banking
Banking plus financial services becoming the new offerings
May 5, 2009 US – India Business Summit, 2006 5
6. The Indian Financial Sector
Alternate e-delivery channels becoming popular with Indian
customers
Financial sector bracing to meet life cycle and life style needs of
the great Indian middle class
“Cradle to Grave” becoming the new spectrum of life cycle needs
Banking graduating beyond traditional boundaries of vanilla
banking
Indian customer demanding TOTAL FINANCIAL SOLUTIONS
Banking sector bracing itself to offer customized and structured
products
May 5, 2009 US – India Business Summit, 2006 6
7. The Indian Financial Sector
Banking sector entering newer areas like wealth management, private
banking, doorstep banking, electronic banking, credit cards, investment
advisory services, etc.
Indian banks in a war game to acquire and retain customers
Indian middle class being reached out and wooed by banks
Indian middle class and financial sector beginning to dream together and
weave a new bond of relationship
Financial products like mutual funds, life policies, non-life policies competing
with traditional banking products
Banking sector fully geared for helping Indian middle class realize its dream
Banking sector in good health – with low non-performing assets and
prudential accounting standards in place
Indian banking entering the phase of consolidation (2nd Phase of Reform) – on
way to acquire global size
May 5, 2009 US – India Business Summit, 2006 7
8. Robust & Resilient Banking Sector
A free & open banking sector where most businesses are now covered at the
market-determined rates
Full banking license system
Highly Stable Sector despite a series of Exogenous Shocks like the Asian
Crisis, Sanctions due to Nuclear Explosions, Record High Oil Prices and
Large Corrections in Stock Markets
Significant improvement in the Asset Quality: Net NPAs (%) have decreased
from 8.1% at end-March 1997 to 2.0% at end-March 2006 despite tightening of
prudential norms
Capital Adequacy Ratio (%) of the banking sector has increased from 10.4% at
end-March 1997 to 12.8% at end-March 2006
Operating Expenses of SCBs have declined from 2.1% of Total Assets in 1992
to 1.8% in 2005 indicative of improved efficiency
Intermediation costs of SCBs have declined from 2.9% in 1995-96 to 2.1% in
2005-06
May 5, 2009 US – India Business Summit, 2006 8
9. Indian Banks – in good health…
Strong Regulatory & Supervisory system
RBI has strengthened prudential norms with respect to income recognition,
disclosures and capital adequacy
India complies with BIS 26 norms of best practices of supervisory criteria,
country risk & convertibility
Indian banks are well on road towards BASEL II compliance
Credit Deposit Ratio is increasing – PSB : 66.2%, Pvt. Banks : 76.3%
Bank credit is growing by about 30%
Indian banks compare favourably with its Asian peers in asset quality
Indian banking sector grew by 6 times in the last decade – from Rs. 5,984 bn in
1995 to Rs. 36,105 bn.
KYC norms and Anti Money Laundering regulations in force
Indian banks are serving the “Two Faces” of India – the Underprivileged, the
Progressive & the Opulent – with equal aplomb
May 5, 2009 US – India Business Summit, 2006 9
10. Indian Banks – in good health…
• PSBs : 72%
About 70000 strong branch network – More
• Pr.Bks : 19%
than 60% presence in Rural areas • Fgn. Bks.: 7%
• Others include UCBs,
RRBs, LABs & NBFCs
Consistent growth in profitability – Spread is
• Spread : 3.2%
getting healthier – from 3.1% in 2004-05 to • CAR : 12.0%
• ROA : 1.0%+
3.2% in 2005-06
• Gross NPA : 3.34%
NPL Ratios compare favourably with global
• Net NPA : 2.00%
trends
TRS Apr 01 – Apr 05
• PSU Banks : 61.2%
Consistently out-performing stock indices –
• India Banking : 51.3%
Total Return to Shareholders continues to be • Old Private : 40.0%
• New Private : 33.9%
attractive
May 5, 2009 US – India Business Summit, 2006 10
11. Banks – Major Financiers of Growth
India has one of the strongest financial sector with low systemic
risk
Upturn in economic activity is mirrored in the sustained growth in
“Demand for Bank Credit”
Bank credit has increased sharply from 30% of GDP at end-March
2000 to 48% at end-March 2006
Non-food credit by SCBs increased by an average of 26.1% between
2002-2006 versus its long-term average of 17.8% from 1970 to 2006
Deployment of credit is quite broad-based with increasing flows
going to infrastructure , SMEs, agriculture and retail sector
(especially residential mortgages) during the past three years
May 5, 2009 US – India Business Summit, 2006 11
12. Indian Banks in the Best of the League of Asian Peers
According to Moody’s Investor Services Analysis :
Indian lenders have highest Return on Equity (ROE) in Asia
(20.38%), followed by Indonesia (20.19%), New Zealand
(18.83%), Japan (-6.42%)
Average gross bad loans as share of total loans – India
(8.18%), Philippines (15.05%), Thailand (13.08%), China
(11.80%) and Malaysia (9.73%)
Cost to Income Ratio in India at 44.56% is in line with the
best regulated Asian countries like Singapore (44.15%),
Taiwan (42.61%) and Hong Kong (40.05%)
May 5, 2009 US – India Business Summit, 2006 12
13. Financial Sector Reforms – Going Ahead
Requirements Fulfillments
Banking Regulations • Deregulated Interest rate
• Greater freedom to banks
• Significant steps towards Full capital
• Account Convertibility
Credit & Recovery
• SARFAESI Act 2002
• Debt Recovery Tribunal (DRT)
Payment Systems
• Real Time Gross Settlements(RTGS)
• Electronic Clearing System (ECS)
• Electronic Fund Transfer (EFT)
• Cheque Truncation - in the pipeline
Communications &
Infrastructure • Internet Banking, E-Banking, On-line
• Tax Payment / Utility Payments,
• ATM, Mobile Banking
May 5, 2009 US – India Business Summit, 2006 13
14. Significant Steps for Improvement…
Area Status
Capital Norms - Min. Capital @ 9% as against 8% by BIS
- Indian Banks are ahead in Basel II readiness
– implementation road-map targets March
2009
- Min. Capital requirement for entry set @ Rs.
3 bn. for all banks in private sector
Credit Information - Credit Information Bureau of India Ltd
- List of defaulters on RBI website
Financial Track record
- No financial crisis – escaped contagion
effect of South East Asian meltdown
Other Regulatory Initiatives
- Strong Regulatory Practice & Prudence in
place for “Managing Affluence”
- Regulatory provisions to bring NBFCs &
UCBs under uniform prudential norms
May 5, 2009 US – India Business Summit, 2006 14
15. Indian Banks are on a high growth track…
1. Overall banking sector is growing by – 18%
2. Retail Sector (CAGR – 5 years)
- Housing Loan : 50.%
- Consumer Durables : 16%
- Credit Card : 45%
- Two Wheeler Loan : 31%
- Car Loans : 26%
- Other Personal Loans : 38%
More than 25% of the Bank Loan Assets are in Retail sector
ensuring high returns - likely to cross Rs. 5700 bn by 2010
May 5, 2009 US – India Business Summit, 2006 15
16. Indian Banks are on a high growth track…
Online Banking in India . . .
Growth of e-Commerce Transactions
2002-03 2003-04 2004-05 2005-06 2006-07 • Estimated 4.6* million Indian Internet users
are Banking Online today
2500
• Indians paying bills online is expected to
2000
increase from the current 0.3 million in
2300
1500
2005-06 to 1.8 million by 2007-2008.
1180
Rs. CR
• E-commerce transactions will cross the Rs
1000
570
2000 crore mark (2006-2007) which
500 255
130 translates into an increase of over 300%
0
from financial year 2004-05.
May 5, 2009 US – India Business Summit, 2006 16
17. Doing Business in India …
Is there any Untapped Potential in Indian
Financial Market ?
What is the ‘Big Picture’ ?
May 5, 2009 US – India Business Summit, 2006 17
18. The Big Picture…
Consumption boom in India
Consumer Loans / Mortgages / GDP(%)
GDP(%)
40
60 37
58
35
50
30
India
India 25
40
Thailand
36
Thailand
20 Malaysia
30 17
Malaysia
26 Taiwan
15 13
Taiwan
20 Korea
10 9
Korea
13
5 4
10 8
0
0 India Thailand Malaysia Taiwan Korea
India Thailand Malaysia Taiwan Korea
Other Retail Loans / GDP
Credit Cards / GDP (%)
(%)
140
121.9 45
41
120
40
100 India 35
82.4 India
30
Thailand
80
Thailand
25
Malaysia
60 Malaysia
20
17
Taiwan
16 Taiwan
40 15
Korea
Korea
8
10
20
4
9.8 5
2.8
0.4
0 0
India Thailand Malaysia Taiwan Korea
India Thailand Malaysia Taiw an Korea
In each of the US – India Business Summit, 2006
area, huge untapped potential left
May 5, 2009 18
19. The Big Picture…
Mutual Funds – Global Perspective
Mutual Funds as a % of GDP
100
87
90
80 72
70
60
50
Global Investment Fund Asset Pool
40
30
30 23 21
1600
20
13711396
1400
6 5
10
1200
0
Brazil
UK
US$bn
India
Korea
USA
Japan
Australia
1000
800
635
600 468 493 512
399
344
400 274
177
200 77
44
11
1
0
Luxembourg
Philippines
Ireland
UK
Korea
India
Hong Kong
Australia
Singapore
Zealand
Italy
Japan
Taiwan
France
New
Low Penetration – Indian industry still in early stages
May 5, 2009 US – India Business Summit, 2006 19
Source : CLSA Asia Pacific
Markets
20. The Big Picture…
Insurance Penetration – Global Landscape
Life premium/ GDP (%)
Insurance density (US$ premiums per
10 8.9
8.32
9
7.27
capita)
8 7.08
7
6
4.14
5
3.6 3.51
4
2.53
Country Life Non Life
3 1.78
2 0.82
1
UK 3287 1311
0
Indonesia
Australia
Malasiya
France
Korea
India
China
Japan
South
UK
US
Japan 2954 790
France 2474 1093
US 1753 2122
Australia 1366 1203
Non Life premium/ GDP (%)
South Korea 1211 495
Malasiya 188 95
6
5.01
India 18 4.5
5
3.55
4
China 13 16
3.13 3.09 2.98
3 2.22
Indonesia 10 10
1.82
2
0.92 0.7 0.61
1
0
Indonesia
Malasiya
Australia
Japan
France
South
Korea
India
China
US
UK
Low Penetration – A large potential still untapped
May 5, 2009 US – India Business Summit, 2006 20
Source : Swiss Re Report 2005
21. The Big Picture…
Growth of Card Spending in India . . .
Growth of Credit and Debit Cards in India
Increasing trend of Plastic Spend
High Technology Banking Products
8
7 Need for value added services on card
6 products
5
7.3
NUMBER OF
4
CARDS IN Cr
Growth of ATMs in India
3 4.9
30000
2 2.8
1
25000
0
2004 2005 2006 20000
15000
Larger Number of Access Points for No of ATMs
Customers 10000
Convenience to customer is the key 5000
Shared network is the future 0
2000 2001 2002 2003 2004 2005 2006
May 5, 2009 US – India Business Summit, 2006 21
22. Wealth Management & Private Banking – New Growth Opportunities…
India - one of 10 fastest-growing population of HNWIs globally
There are at least 23 Indian citizens amongst the richest people on the
planet
Non Resident Indians can invest in all Indian Asset Classes
No. of HNWIs in India – 100,000 (19.3% growth in 2005)
Salary increases in India – 13.9% is the highest in the world
Increasing Investment avenues – Art, Realty Funds, Commodities
Penetration level of wealth management services in India - 10% in
comparison to European markets (60-90%)
The number of companies listed on the Bombay Stock Exchange, at more
than 6,000, is second only to NYSE.
Each year 2,500 tonnes of gold is mined (fifth of the world's gold output.)
and 3,500 tonnes is consumed, of which 1,000 tonnes is consumed in
India alone.
May 5, 2009 US – India Business Summit, 2006 22
23. The Big Picture…
India is fast emerging as the “Back Office” of the
World & the “Global Knowledge Hub”
100 Global Companies outsource from India
Top Global Banks are present in India
Largest talent pool
World class educational / professional institutions
Increasing Trade activities
Cost of operations – low
May 5, 2009 US – India Business Summit, 2006 23
24. The Story Continues…
Savings Rate @ 29% is low – Offers high potential from an
increasingly affluent community
Less than 40% of Indian household has a bank account
Bulging Middle Class – likely to exceed 300 mn
Only 2% of the Indian population have insurance cover
Less than 1% of the population is actively participating in
the Stock market
Number of high net worth households (> Rs. 500,000) is
likely to grow from 200,000 to 400,000 by 2010
Consumer Finance stands at about 2% to 3% of GDP as
compared to 25% in European market
Real Estate Market is projected to touch USD 50 bn by 2008
SME Sector is catching up fast creating huge prospect of
growth
May 5, 2009 US – India Business Summit, 2006 24
25. Challenges Ahead….
Capital Requirements – to compete with Foreign banks in the
post 2009 phase
Financial Inclusion – to remove imbalances in economic
growth
Banking Sector Consolidation – for improving competitiveness
– need for a clear road-map for “Managed Consolidation”
HR Challenges – Changing working conditions, re-skilling,
compensation etc.
Coping with the massive technology adoption programme –
change management – from employees’ as well as customers’
perspectives
May 5, 2009 US – India Business Summit, 2006 25
26. Challenges Ahead….
High intermediation costs
Low Productivity
Better Corporate Governance – higher level of accountability
Improvement in productivity and efficiency in line with
advanced markets
Transformation from Plain Vanilla banking’ to “multi-specialist”
banking
May 5, 2009 US – India Business Summit, 2006 26