The document provides an overview of IDBI Bank including:
- IDBI Bank was established in 1964 and was originally fully owned by the government but has since seen decreasing government ownership and an increase in private ownership.
- It has a large network of over 900 branches across India and provides various corporate and retail banking services.
- Some key investments and subsidiaries of IDBI Bank that have helped develop India's financial system are listed.
This presentation is on Security Exchange Board (SEBI) which gives the brief about the SEBI with its objective, function, details about the chairman, rules
Presentation on Brief introduction to Indian financial markets (Indian Financial System). This presentation broad classification of the financial system into financial institutions, financial markets, financial instruments and financial services.
This presentation covers Merchant Banking History; Categories; Services provided by them; Methods of placement; underwriting; Issue management & SEBI guidelines.
This presentation is on Security Exchange Board (SEBI) which gives the brief about the SEBI with its objective, function, details about the chairman, rules
Presentation on Brief introduction to Indian financial markets (Indian Financial System). This presentation broad classification of the financial system into financial institutions, financial markets, financial instruments and financial services.
This presentation covers Merchant Banking History; Categories; Services provided by them; Methods of placement; underwriting; Issue management & SEBI guidelines.
Objective Capital's West Africa Investment Conference 2012
Moevenpick Ambassador Hotel in Accra, Ghana
7-9 May 2012
Speaker: Dr Toni Aubynn, The Ghana Chamber of Mines
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
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Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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.
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
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)
IDBI
1.
2.
3. Genesis
1964-1976 1994- 00 2003 - 06 2007- 10
Set up by an IDBI Act IDBI Repeal Act Complete
Act of amended to passed in Networking
Parliament in permit private December 2003 (100% Core
1964 as a ownership upto for conversion Banking)
subsidiary of 49%. to a banking Organization
company. structure
the Central Domestic IPO in
Bank (RBI) 1995, reduces Govt. ownership redesigned on
Govt. stake to to be not below Customer
Ownership
51% Segmentation
transferred to 72%.
Amalgamation basis
Govt. in 1976 Post capital of IDBI Bank Ltd. Name changed
IDBI had been a restructuring in With IDBI Ltd. to IDBI Bank Ltd
policy bank in 2000, Govt. W.e.f. April 2, Achieved
the area of stake reduced 2005 regulatory
industrial to 58.5% Oct. 2006 norms of SLR,
financing and amalgamated CME
development erstwhile UWB
2
4. Status as Leading DFI
• Leading provider of long term finance
o Played an apex role in helping create the industrial and
infrastructural base in the country
o Total Investments generated - ` 4000 billion (approx.) (over USD
80 bn)
o Significant player in domestic debt syndication.
• Played a pivotal role in developing institutions that shaped the
country’s financial architecture
o NSE - Electronic Stock Exchange,
o NSDL - Securities Depository,
o CARE - Rating Agency,
o SHCIL - Depository Participant, e-stamping etc.
o SIDBI - Funding institution for SSI and ME
o Exim Bank- A bank to finance export Import
o ARCIL - Asset reconstruction company
o NeDFI - For development of North-East Region
3
5. Distribution Network
• Reach
• 908 branches; 1496 ATMs
• 1- Overseas, 256-Metro, 344-Urban,
212-Semi Urban & 95-Rural
• Presence in 613 locations
• Network of :
o 66 Retail Asset Centres
o 31 City SME Centres
o 21 Agri Processing Centres
o 5 Regional Processing Units
o 24 Central Clearing Units
• 6 Currency Chests across the country
• Internet banking
• 4 Regional & 1 Central Training College
• Corporate customers:3000+
• Retail customer base:5 million+
•Global expansion plans
• Initiated the process for setting up Branch Offices at Singapore and Representative
Office at Shanghai
4
8. Restructuring (` in Crore)
Industry Outstanding FITL Prov. Net Outstanding
Financial Services 6.30 0.00 6.30
Infrastructure 282.05 0.00 282.05
Diamond Industry 95.09 0.00 95.09
Other Services 113.11 0.46 112.66
Electricity 2996.47 170.52 2825.95
Electronics 3.51 0.00 3.51
Agro Industries 180.30 0.46 179.85
IT 27.15 0.00 27.15
Health Care 177.15 0.00 177.15
Metal Industry 629.83 24.01 605.82
Chemical & Fertilizers 169.63 0.00 169.63
Electical Machinery 437.04 17.54 419.50
Motor Vehicles 210.47 0.05 210.42
Paper 133.41 0.00 133.41
Textiles 1447.87 10.00 1437.87
Food & Beverages 818.60 41.45 777.15
Printing 76.70 0.00 76.70
Telecommunications 335.25 0.00 335.25
Real Estate 164.14 0.00 164.14
Misc. Industry 52.30 0.00 52.30
Mining and quarrying 8.70 0.00 8.70
Retail Store 40.17 0.00 40.17
Air Transport 719.29 0.00 719.29
Total 9124.55 264.50 8860.05
17
9. Summary of Restructured Advances as on September 30, 2011
(` in Crore)
PA NPA
Gross 7589.24 1535.31
Less: FITL Provision 232.35 32.15
Total 7356.89 1503.16
18
10. List of some strategic investments
%
Holding
Entity
IDBI ASSET MANAGEMENT LTD. 100.00
IDBI CAPITAL MARKET SERVICES LIMITED 100.00
IDBI INTECH LIMITED 100.00
IDBI MF TRUSTEE COMPANY LTD. 100.00
IDBI FEDERAL LIFE INSURANCE COMPANY LIMITED 48.00
IDBI TRUSTEESHIP SERVICES LIMITED 39.78
NATIONAL SECURITIES DEPOSITORY LIMITED 30.00
BIOTECH CONSORTIUM INDIA LIMITED 27.93
CREDIT ANALYSIS AND RESEARCH LIMITED 25.79
NORTH EASTERN DEVELOPMENT FINANCE CORPORATION LIMITED 25.00
INVESTORS SERVICES OF INDIA LIMITED 24.21
PONDICHERRY INDUSTRIAL PROMOTION DEVELOPMENT AND INVT CORP LTD 21.14
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA 19.21
ASSET RECONSTRUCTION COMPANY (INDIA) LIMITED 19.18
STOCK HOLDING CORPORATION OF INDIA LIMITED 18.95
OTC EXCHANGE OF INDIA LIMITED 17.00
EDC LIMITED 11.43
TRIPURA INDUSTRIAL DEVELOPMENT CORPORATION LIMITED 10.78
NEPAL DEVELOPMENT BANK LIMITED 10.00
UNIVERSAL COMMODITY EXCHANGE LTD. 10.00
CORDEX INDIA PVT. LTD. 7.14
SECURITIES TRADING CORPORATION OF INDIA LIMITED 6.60
CLEARING CORPORATION OF INDIA LIMITED 6.50
NATIONAL STOCK EXCHANGE OF INDIA LIMITED 5.00
UNITED STOCK EXCHANGE OF INDIA LIMITED 0.97
21
11. IDBI is now the principal financial institution
for co-ordinating the working of institutions
engaged in financing, promoting or developing
industry, assisting the development of such
institutions and providing credit and other facilities
for the development of industry. Thus the role of
IDBI may be stated as under:
(1) As an apex financial institution, it coordinates the
working of other
financial institutions.
(2) It assists in the development of other financial
institutions.
(3) It provides credit to large industrial concerns directly.
12. Functions
To grant loans and advances to IFCI, SFCs or any other
financial
institution by way of refinancing of loans granted by such
institutions which are repayable within 25 year.
To grant loans and advances to scheduled banks or state
co-operative
banks by way of refinancing of loans granted by such
institutions
which are repayable in 15 years.
To grant loans and advances to IFCI, SFCs, other
institutions,
scheduled banks, state co-operative banks by way of
refinancing of
loans granted by such institution to industrial concerns
for exports.
13. Contd.
To underwrite or to subscribe to shares or debentures of
industrial concerns.
To subscribe to or purchase stock, shares, bonds and
debentures of other financial institutions.
To grant line of credit or loans and advances to other
financial institutions such as IFCI, SFCs, etc.
To grant loans to any industrial concern.
To guarantee deferred payment due from any industrial
concern.
Role of specialised Financial Institutions :: 65
To guarantee loans raised by industrial concerns in the
14. Contd.
To provide consultancy and merchant banking services
in or outside India.
To provide technical, legal, marketing and administrative
assistance to any industrial concern or person for
promotion, management or expansion of any industry.
Planning, promoting and developing industries to fill up
gaps in the industrial structure in India.
To act as trustee for the holders of debentures or other
securities.
15. Objectives
The main objectives of IDBI is to serve as the apex institution
for term finance for industry in India. Its objectives include-
(1) Co-ordination, regulation and supervision of the working of other
financial institutions such as IFCI , ICICI, UTI, LIC, Commercial
Banks and SFCs.
(2) Supplementing the resources of other financial institutions and
thereby widening the scope of their assistance.
(3) Planning, promotion and development of key industries and
diversifications of industrial growth.
(4) Devising and enforcing a system of industrial growth that conforms
to national priorities.
16. Subsidiaries
The following are the subsidiaries of IDBI.
(1) Small Industries Development Bank of India
(SIDBI)
(2) IDBI Bank Ltd.
(3) IDBI Capital Market Services Ltd.
(4) IDBI Investment Management Company
17. Small Industries Development Bank of India (
Small Industries Development Bank of India is an independent financial institution aimed
to aid the growth and development of micro, small and medium-scale enterprises in India.
Set up on April 2, 1990 through an act of parliament, it was incorporated initially as a
wholly owned subsidiary of Industrial Development Bank of India.
Current shareholding is widely spread among various state-owned banks, insurance
companies and financial institutions.
Recently it has opened seven branches christened as Micro Finance branches, aimed
especially at dispensing loans up to Rs. 5.00 lakh.
SIDBI has also floated several other entities for related activities:
Credit Guarantee Fund Trust for Micro and Small Enterprises provides guarantees to
banks for collateral-free loans extended to SME.
SIDBI Venture Capital Ltd. is a venture capital company focussed at SME.
SME Rating Agency of India Ltd. (SMERA -) provides composite ratings to SME.
18. IDBI Capital Market Services Ltd.
IDBI Capital offers a full suite of products and services to Corporate, Institutional and
Individual clients. The range of services include :-
Investment Banking
Capital Market Products
Private Equity
Corporate Advisory Services
Mergers & Acquisitions
Project Appraisals & Debt Syndication
Stock Broking - Institutional & Retail
Distribution of Financial Products
Debt Placement and Underwriting
Fund Management (Managing Clients' Assets-Pension/PF Fund Managers)
Research Group
19. IDBI Investment Management Compan
The Key strengths of IDBI capital Market Services in the areas of Debt Fund Management are:
Fund Management experience of 10 years
Expertise in both Debt & Equity Market
IDBI Capital is the only Portfolio Manager in the Country to achieve ISO 9001: 2000 Standard for
Quality Management Systems in Fund Management operations, with certification from TUV NORD an
accredited German standards firm
Substantial Returns Over Benchmark
IDBI Capital is a SEBI registered Portfolio Manager
Minimum Idle Days
Fund management skill covers Portfolio Analysis that includes ALM, Asset Allocation, Risk
Analysis, Maturity Analysis and Yield Analysis
Transparency of Operations
Strict adherence to Compliance Procedures
Highly Rated Debt Research
20. Balance Sheet
(` in Crore)
As at 30-Sep-11 30-Sep-10
LIABILITIES
Capital 985 984
Reserve & Surplus 14413 12958
[Net Worth] 13493 11997
Deposits 174441 154305
Borrowings 52915 49410
Other Liabilities & provisions 7638 7231
Total 250392 224888
ASSETS
Cash & balance with RBI 15040 14380
Bal. with banks & money at call 1481 3604
Investments 69941 69223
Advances 155917 130213
Fixed Assets [incl leased assets] 3058 3049
Other Assets 4955 4419
Total 250392 224888
6
21. Profit & Loss
(` in Crore)
Particulars Quarter Ended Half Year Ended
Sep-11 Sep-10 Sep-11 Sep-10
Interest income 5812 4534 11441 8816
Interest expenses 4690 3409 9167 6847
Net Interest income 1122 1125 2274 1969
Other Income 479 535 910 1008
Total income (Net of Interest Expenses) 1601 1660 3184 2977
Operating Expenses 595 635 1147 1120
- Employee Cost 266 342 510 576
- Other Operating Expenses 329 293 637 544
Operating Profit 1006 1025 2037 1857
Provisions & contingencies 490 596 1186 1177
- NPAs / Write offs 183 319 543 634
- Restructured Assets 15 18 26 49
- Others (Invt., Std Asset, etc) 122 104 177 260
- Tax 170 155 440 234
Profit After Tax 516 429 851 680
7
Industrial Development Bank of India (IDBI)The Industrial Development Bank of India (IDBI) was established on 1 July 1964 under an Act of Parliament as a wholly owned subsidiary of the Reserve Bank of India. In 16 February 1976, the ownership of IDBI was transferred to the Government of India and it was made the principal financial institution for coordinating the activities of institutions engaged in financing, promoting and developing industry in the country. Although Government shareholding in the Bank came down below 100% following IDBI’s public issue in July 1995, the former continues to be the major shareholder (current shareholding: 65.14%). IDBI provides financial assistance, both in rupee and foreign currencies, for green-field projects as also for expansion, modernisation and diversification purposes. In the wake of financial sector reforms unveiled by the government since 1992, IDBI also provides indirect financial assistance by way of refinancing of loans extended by State-level financial institutions and banks and by way of rediscounting of bills of exchange arising out of sale of indigenous machinery on deferred payment terms.[citation needed]IDBI has played a pioneering role, particularly in the pre-reform era (1964–91),in catalyzing broad based industrial development in the country in keeping with its Government-ordained ‘development banking’ charter.[citation needed]Narasimam committee[7] recommends that IDBI should give up its direct financing functions and concentrate only in promotional and refinancing role. But this recommendation was rejected by the government. Later RBI constituted a committee under the chairmanship of S.H.Khan to examine the concept of development financing in the changed global challenges. This committee is the first to recommend the concept of universal banking. The committee wanted the development financial institution to diversify its activity. It recommended to harmonise the role of development financing and banking activities by getting away from the conventional distinction between commercial banking and developmental banking.In September 2003, IDBI diversified its business domain further by acquiring the entire shareholding of Tata Finance Limited in Tata Home finance Ltd., signaling IDBI’s foray into the retail finance sector. The fully owned housing finance subsidiary has since been renamed ‘IDBI Home finance Limited’. In view of the signal changes in the operating environment, following initiation of reforms since the early nineties, Government of India has decided to transform IDBI into a commercial bank without eschewing its secular development finance obligations. The migration to the new business model of commercial banking, with its gateway to low-cost current, savings bank deposits, would help overcome most of the limitations of the current business model of development finance while simultaneously enabling it to diversify its client/ asset base. Towards this end, the IDB (Transfer of Undertaking and Repeal) Act 2003 was passed by Parliament in December 2003. The Act provides for repeal of IDBI Act, corporatisation of IDBI (with majority Government holding; current share: 58.47%) and transformation into a commercial bank. The provisions of the Act have come into force from 2 July 2004 in terms of a Government Notification to this effect. The Notification facilitated formation, incorporation and registration of Industrial Development Bank of India Ltd. as a company under the Companies Act, 1956 and a deemed Banking Company under the Banking Regulation Act 1949 and helped in obtaining requisite regulatory and statutory clearances, including those from RBI. IDBI would commence banking business in accordance with the provisions of the new Act in addition to the business being transacted under IDBI Act, 1964 from 1 October 2004, the ‘Appointed Date’ notified by the Central Government.IDBI Bank, with which the parent IDBI was merged, was a new generation Bank. The Pvt Bank was the fastest growing banking company in India. The bank was pioneer in adapting to policy of first mover in tier 2 cities. The Bank has one of the highest productivity per employee in Indian banking industry.On 29 July 2004, the Board of Directors of IDBI and IDBI Bank accorded in principle approval to the merger of IDBI Bank with the Industrial Development Bank of India Ltd. to be formed incorporated under the Companies Act, 1956 pursuant to the IDB (Transfer of Undertaking and Repeal) Act, 2003 (53 of 2003), subject to the approval of shareholders and other regulatory and statutory approvals. A mutually gainful proposition with positive implications for all stakeholders and clients, the merger process is expected to be completed during the current financial year ending 31 March 2005.The immediate fall out of the merger of IDBI and IDBI Bank was the exit of employees of IDBI bank. The cultures in the two organizations have taken its toll. The IDBI Bank now is in a growing fold. With its retail banking arm expanding further after the merger of United western Bank.IDBI would continue to provide the extant products and services as part of its development finance role even after its conversion into a banking company. In addition, the new entity would also provide an array of wholesale and retail banking products, designed to suit the specific needs cash flow requirements of corporates and individuals. In particular, IDBI would leverage the strong corporate relationships built up over the years to offer customised and total financial solutions for all corporate business needs, single-window appraisal for term loans and working capital finance, strategic advisory and “hand-holding” support at the implementation phase of projects, among others.[citation needed]IDBI’s transformation into a commercial bank would provide a gateway to low-cost deposits like Current and Savings Bank Deposits. This would have a positive impact on the Bank’s overall cost of funds and facilitate lending at more competitive rates to its clients. The new entity would offer various retail products, leveraging upon its existing relationship with retail investors under its existing Suvidha Flexi-bond schemes.The responsibility for maintaining standards of corporate governance lies with its Board of Directors. Two Committees of the Board viz. the Executive Committee and the Audit Committee are adequately empowered to monitor implementation of good corporate governance practices and making necessary disclosures within the framework of legal provisions and banking conventions.