Banking sector concentration, competition, and financial stability: The case ...Eesti Pank
Bank competition and financial stability in Baltic countries.
The study examines the relationship between competition and risk-taking in the Baltic banking sectors from 2000-2014. It finds a non-linear or U-shaped relationship where risk first decreases and then increases with competition. In more concentrated markets, banks take less risk but in highly competitive markets the margin effect increases risk. The results support the view that both competition and market power influence bank risk and stability, with market power significantly impacting soundness and market share influencing credit risk. The findings have implications for regulating competition and concentration in Baltic banking sectors.
1. The document discusses the scope and importance of research and development (R&D) for a bank.
2. It explains that R&D can provide information about stakeholders like customers, investors, employees, suppliers, and authorities to keep top management informed.
3. R&D can do this through surveys, research, and data analysis to create opportunities and ensure profit targets are met.
The document provides an overview and outlook of the Indian banking sector in September 2009. It discusses macroeconomic factors like excess liquidity, inflation, GDP growth and interest rates. It then covers differences between developed and emerging markets. The banking sector outlook highlights opportunities for growth in India given low credit penetration. Key risks mentioned are rising NPAs, interest rates and global economic recovery. Performance of public and private sector banks in Q1 2010 and future outlook are also summarized.
The document discusses the banking industry in India. It outlines objectives like identifying market share and competition. It describes the market structure in India and globally, with public sector banks, private sector banks, and foreign banks in India. The top 10 banks in India and worldwide are listed. Industry concentration is examined using the Herfindahl Index. Technological changes, demand conditions, pricing, advertising, and mergers and acquisitions in the industry are analyzed. The future outlook is positive due to India's growing population and incomes.
The document discusses the PESTEL analysis of the banking sector in India. It outlines several political, economic, social, technological, environmental, and legal factors influencing the banking industry. The banking sector has grown significantly in recent years due to strong economic growth, regulatory intervention, and declining non-performing assets. However, factors like population growth, literacy rates, and technology continue to impact opportunities and growth in the sector. The Reserve Bank of India and government policies play a key role in regulating the industry.
The document analyzes Porter's Five Forces model in the context of the Indian banking industry. It discusses the competitive nature of the industry, with many public and private sector banks vying for customers. While it is difficult for new banks to enter due to customer trust in established brands, online banking has reduced switching costs between banks. The major suppliers of capital to banks are customers through deposits and loans from other institutions. While insurance and mutual funds can substitute some banking services, core banking functions have no real substitutes. Overall, the Indian banking sector has grown significantly in recent decades and remains an important part of the economy.
The document discusses equity analysis as an investment tool for becoming wealthy over long periods of time. It provides an example of investing Rs. 10,000 in a company in 1980 that grew to be worth Rs. 33.4 crore by 2019 through share bonuses and splits. Equity analysis involves fundamental analysis of economic conditions, industries, and individual companies to identify undervalued stocks. Fundamental analysis looks at factors like management quality, financial statements, and market share, while technical analysis considers stock price trends and patterns.
This document summarizes a study on the equity analysis of the Indian IT sector from 2013. The study analyzed the performance of 7 major IT companies over the previous 5 years using financial ratios and the EIC (Economy, Industry, Company) approach. Key findings include that the IT sector saw positive growth until 2008 but declined in 2009 due to recession. Infosys had the best current ratio while HCL Technologies was overvalued based on its high P/E ratio in 2009. The conclusion is that the Indian IT sector saw recovery after the recession and is expected to see continued good growth, making it an attractive industry for foreign investment. The document recommends investing for the long term, doing thorough research, and monitoring key financial ratios when
Banking sector concentration, competition, and financial stability: The case ...Eesti Pank
Bank competition and financial stability in Baltic countries.
The study examines the relationship between competition and risk-taking in the Baltic banking sectors from 2000-2014. It finds a non-linear or U-shaped relationship where risk first decreases and then increases with competition. In more concentrated markets, banks take less risk but in highly competitive markets the margin effect increases risk. The results support the view that both competition and market power influence bank risk and stability, with market power significantly impacting soundness and market share influencing credit risk. The findings have implications for regulating competition and concentration in Baltic banking sectors.
1. The document discusses the scope and importance of research and development (R&D) for a bank.
2. It explains that R&D can provide information about stakeholders like customers, investors, employees, suppliers, and authorities to keep top management informed.
3. R&D can do this through surveys, research, and data analysis to create opportunities and ensure profit targets are met.
The document provides an overview and outlook of the Indian banking sector in September 2009. It discusses macroeconomic factors like excess liquidity, inflation, GDP growth and interest rates. It then covers differences between developed and emerging markets. The banking sector outlook highlights opportunities for growth in India given low credit penetration. Key risks mentioned are rising NPAs, interest rates and global economic recovery. Performance of public and private sector banks in Q1 2010 and future outlook are also summarized.
The document discusses the banking industry in India. It outlines objectives like identifying market share and competition. It describes the market structure in India and globally, with public sector banks, private sector banks, and foreign banks in India. The top 10 banks in India and worldwide are listed. Industry concentration is examined using the Herfindahl Index. Technological changes, demand conditions, pricing, advertising, and mergers and acquisitions in the industry are analyzed. The future outlook is positive due to India's growing population and incomes.
The document discusses the PESTEL analysis of the banking sector in India. It outlines several political, economic, social, technological, environmental, and legal factors influencing the banking industry. The banking sector has grown significantly in recent years due to strong economic growth, regulatory intervention, and declining non-performing assets. However, factors like population growth, literacy rates, and technology continue to impact opportunities and growth in the sector. The Reserve Bank of India and government policies play a key role in regulating the industry.
The document analyzes Porter's Five Forces model in the context of the Indian banking industry. It discusses the competitive nature of the industry, with many public and private sector banks vying for customers. While it is difficult for new banks to enter due to customer trust in established brands, online banking has reduced switching costs between banks. The major suppliers of capital to banks are customers through deposits and loans from other institutions. While insurance and mutual funds can substitute some banking services, core banking functions have no real substitutes. Overall, the Indian banking sector has grown significantly in recent decades and remains an important part of the economy.
The document discusses equity analysis as an investment tool for becoming wealthy over long periods of time. It provides an example of investing Rs. 10,000 in a company in 1980 that grew to be worth Rs. 33.4 crore by 2019 through share bonuses and splits. Equity analysis involves fundamental analysis of economic conditions, industries, and individual companies to identify undervalued stocks. Fundamental analysis looks at factors like management quality, financial statements, and market share, while technical analysis considers stock price trends and patterns.
This document summarizes a study on the equity analysis of the Indian IT sector from 2013. The study analyzed the performance of 7 major IT companies over the previous 5 years using financial ratios and the EIC (Economy, Industry, Company) approach. Key findings include that the IT sector saw positive growth until 2008 but declined in 2009 due to recession. Infosys had the best current ratio while HCL Technologies was overvalued based on its high P/E ratio in 2009. The conclusion is that the Indian IT sector saw recovery after the recession and is expected to see continued good growth, making it an attractive industry for foreign investment. The document recommends investing for the long term, doing thorough research, and monitoring key financial ratios when
A project report on construction of balanced portfolio comprising of equity a...Babasab Patil
The document discusses constructing a balanced portfolio of equity and debt securities. It begins by providing background on stock markets and volatility in India. It then describes a project to construct a portfolio with a beta of 1 and higher returns than the market. Various sectors and bonds were analyzed. The portfolio construction found higher returns than the market index with a systematic risk of 1. The document also provides theoretical background on fundamental analysis, industry analysis, company analysis, debt valuation techniques, bond pricing, yield to maturity, duration, and other related concepts to provide context around balanced portfolio construction.
The market-oriented economies and the global market place have enhanced the competition for funds and market share thereby cutting down the spreads of the banks, a part from declining spread, banks are also witnessing a faster growth in their expenses when compared to their revenues predominant in these expenses are the raising salary expenses and loan-loss expenses. banks are responding by introducing new product lines and developing the existing services into more sophisticated ones,in order to offset the rising expenses
In this project, I have covered the trend analysis of different banks and NBFC'S on the basis of different parameters. The total project concludes with buy and sells option for the firms according to the resistance and support level and the price at which they have to trade.
A project report on equity evaluation of top 3 it companies at stock exchangeBabasab Patil
This document provides an analysis of the equity valuation of the top 3 IT companies in India - Wipro, Infosys, and TCS. It summarizes their financial performance over the last 5 years and uses various valuation models to determine the future stock prices of these companies. While the Indian stock market and IT sector boomed in the late 1990s and early 2000s, IT stocks have underperformed the market in recent years. The analysis aims to understand the reasons for this and provide strategies for profitable long-term investment in these company equities.
A decade before we literally relate finance to the banking sector. The import and quality of finance has transformed and has been evolved dramatically by the period. This is primarily due to technology integration and evolution of myriad hues of financial structures and domains globally. Modrika helps you to take at the ground layer of these domains and sub domains. Thus, it helps you to get deeper perception of the financial complexity, giving you financial wisdom and enlightenment to attractive and accomplish meteoric career.
Presentation on summer training project at hsbc investNavneet Malhi
The document summarizes a presentation on the effects of the recent global financial crisis on investment patterns of investors in Ludhiana, India. It finds that most investors' financial position remained the same or improved, and that the preferred long-term investment was savings accounts. The preferred sector was services, though some sectors like real estate were negatively impacted by the crisis. Overall, investors remained optimistic about the growth of the US and Indian economies going forward.
Perform EIC Analysis of Banking Sector and HDFC bank khushbu chauhan
This document provides an analysis of the banking sector and HDFC Bank through fundamental analysis. It begins with an overview of fundamental analysis and its three steps: economy analysis, industry analysis, and company analysis. The economy analysis covers economic variables, growth rates, and government policies that are positive for banking. The industry analysis finds that banking is in the expansion stage, exhibiting strong growth and profitability. The company analysis shows that HDFC Bank has stronger financial metrics than competitors like ICICI Bank, making it a good investment. Key metrics like NAV, market value, and performance over time are presented to compare HDFC Bank favorably.
Black book project on power generation companyAkash Gupta
To study the performance and analyze the valuation of power generation Companies namely NHPC and its peer company like Tata Power, Neyveli Lignite, and Reliance power.
This document presents a fundamental analysis of the banking sector in India. It analyzes key metrics like net interest margin, net interest income, capital adequacy ratio, and non-performing assets for several major public and private sector banks from 2013-2015. The analysis finds that private banks generally had higher net interest margins but higher non-performing assets than public sector banks. It concludes that while the banking sector size is increasing, high interest rates and low investor confidence have led to shrinking growth.
This Summer Project Report is study of Equity market scenario in May & June 2016 and Growth prospect of IT sector. And includes Infosys company analysis with peer set analysis.
The document provides an analysis of ICICI Bank. It discusses the attractive investment environment in India, ICICI Bank's history and profile as India's second largest bank, and an analysis using Porter's Five Forces model of the banking industry in India. It also summarizes ICICI Bank's financials, board of directors, value chain, products/services offered, shareholding pattern, and technical analysis of the stock price.
- The Indian banking industry is at a critical juncture and faces both opportunities and challenges over the next decade. Ten major trends will shape the industry.
- Mortgages are expected to grow rapidly and cross Rs. 40 trillion by 2020 driven by rising incomes and changing demographics. Wealth management will also see 10x growth as wealth gets concentrated among the rich.
- "The Next Billion" customer segment earning Rs. 90,000-200,000 annually will be the largest group and demand low-cost banking solutions to serve them profitably. Meeting this demand and other expectations like financial inclusion pose significant challenges for banks over the coming decade.
The document summarizes the impact of foreign direct investment (FDI) in the retail sector in India. It notes that while FDI in retail can generate employment, increased investment, and benefits for customers through greater competition and variety, it may also displace unorganized local retailers and small businesses. A survey by the Confederation of Indian Industry found that most small and medium enterprises believe FDI in retail would increase their sales and new orders or contracts, though opinions were more mixed on impacts to employment.
This document discusses foreign direct investment (FDI) in India's retail sector. It provides an overview of the retail sector and FDI policy in India. It notes that historically FDI was only allowed up to 51% for single brand retail and 100% for cash and carry wholesale, but the new policy will allow up to 51% for multi-brand retail. The document discusses the opportunities that FDI in retail provides, such as job creation and improvement of supply chain infrastructure, as well as challenges around competition and impact on small retailers. It concludes that FDI in retail will benefit the Indian economy if implemented carefully.
This document discusses using an open access system with internet and communication technologies (ITC) to improve foreign investment in Indonesia. A survey found that 93% of foreign investment companies supported using an ITC-based system to file investment documents online, and 86% found it effective. The document argues that implementing an open ITC system can increase transparency, reduce opportunities for illegal fees, and make it easier for foreign companies to invest in Indonesia by streamlining the process online.
This document summarizes Porter's Five Forces analysis of the banking industry in India. It finds that the threat of new entry and threat of substitution are medium, while supplier power, buyer power, and competitive rivalry within the industry are high. Specifically, it notes that while new banks are still entering the market, regulations make securing licenses difficult. Buyer power is high due to technology increasing individual options and switching costs being low. Rivalry within the existing banks is also high as banks compete on services, acquisitions, interest rates, and convenience.
This document provides an introduction to equity analysis and fundamental analysis. It discusses the scope of the project being limited to analyzing three major banks in the banking sector. The objectives are to conduct a comparative study of equity research, analyze opportunities and challenges in the equity analysis sector of banking, and make future expectations. It then defines equity and equity shares, and explains how to invest in equities and why one should invest in equities. Finally, it discusses the fundamentals of fundamental analysis, including qualitative factors like industry characteristics and quantitative factors like financial metrics.
This document provides an introduction and overview of a project report on the fundamental analysis of the banking industry in India, with special reference to public sector banks. The report analyzes macroeconomic factors, assesses the performance of the banking industry, and uses financial analysis tools to evaluate and select high-performing banking companies over a five-year period from 2009-2013. The analysis focuses on metrics like net interest margin, credit-to-deposit ratio, non-performing asset ratio, earnings per share, and intrinsic value to compare company performance and make investment decisions.
This document provides an overview of a summer training project on equity analysis of banks. It includes an introduction to technical analysis and fundamental analysis. It discusses the investment portfolio of Kotak Life Insurance, including their investments in various banks. It also outlines the objectives, research methodology, and structure of the document. The document is a summary of a student project analyzing equity investments in banks using both technical and fundamental analysis approaches.
This presentation summarizes the history and current state of foreign direct investment (FDI) in India's banking sector. It notes that FDI in private sector banks is currently permitted up to 74% of equity, with 49% allowed automatically and additional amounts requiring government approval. For public sector banks, FDI is permitted up to 20% of equity. The presentation outlines the benefits of FDI for the Indian banking sector, such as technology transfer, improved risk management, better capitalization, and financial stability. It also reviews recent Reserve Bank of India guidelines regarding FDI limits and regulations in the sector.
A project report on analytical study of foreign direct investment in indiaProjects Kart
This document is a project report submitted for a Master's degree that analyzes foreign direct investment in India. It includes sections on introduction/definitions of key terms, history of FDI, objectives of the study, research methodology, and conclusions/recommendations. The introduction provides definitions of foreign direct investment and outlines its importance for both investing countries and host countries. It notes that FDI has grown significantly in recent decades and outlines several theories for why companies engage in FDI.
A project report on construction of balanced portfolio comprising of equity a...Babasab Patil
The document discusses constructing a balanced portfolio of equity and debt securities. It begins by providing background on stock markets and volatility in India. It then describes a project to construct a portfolio with a beta of 1 and higher returns than the market. Various sectors and bonds were analyzed. The portfolio construction found higher returns than the market index with a systematic risk of 1. The document also provides theoretical background on fundamental analysis, industry analysis, company analysis, debt valuation techniques, bond pricing, yield to maturity, duration, and other related concepts to provide context around balanced portfolio construction.
The market-oriented economies and the global market place have enhanced the competition for funds and market share thereby cutting down the spreads of the banks, a part from declining spread, banks are also witnessing a faster growth in their expenses when compared to their revenues predominant in these expenses are the raising salary expenses and loan-loss expenses. banks are responding by introducing new product lines and developing the existing services into more sophisticated ones,in order to offset the rising expenses
In this project, I have covered the trend analysis of different banks and NBFC'S on the basis of different parameters. The total project concludes with buy and sells option for the firms according to the resistance and support level and the price at which they have to trade.
A project report on equity evaluation of top 3 it companies at stock exchangeBabasab Patil
This document provides an analysis of the equity valuation of the top 3 IT companies in India - Wipro, Infosys, and TCS. It summarizes their financial performance over the last 5 years and uses various valuation models to determine the future stock prices of these companies. While the Indian stock market and IT sector boomed in the late 1990s and early 2000s, IT stocks have underperformed the market in recent years. The analysis aims to understand the reasons for this and provide strategies for profitable long-term investment in these company equities.
A decade before we literally relate finance to the banking sector. The import and quality of finance has transformed and has been evolved dramatically by the period. This is primarily due to technology integration and evolution of myriad hues of financial structures and domains globally. Modrika helps you to take at the ground layer of these domains and sub domains. Thus, it helps you to get deeper perception of the financial complexity, giving you financial wisdom and enlightenment to attractive and accomplish meteoric career.
Presentation on summer training project at hsbc investNavneet Malhi
The document summarizes a presentation on the effects of the recent global financial crisis on investment patterns of investors in Ludhiana, India. It finds that most investors' financial position remained the same or improved, and that the preferred long-term investment was savings accounts. The preferred sector was services, though some sectors like real estate were negatively impacted by the crisis. Overall, investors remained optimistic about the growth of the US and Indian economies going forward.
Perform EIC Analysis of Banking Sector and HDFC bank khushbu chauhan
This document provides an analysis of the banking sector and HDFC Bank through fundamental analysis. It begins with an overview of fundamental analysis and its three steps: economy analysis, industry analysis, and company analysis. The economy analysis covers economic variables, growth rates, and government policies that are positive for banking. The industry analysis finds that banking is in the expansion stage, exhibiting strong growth and profitability. The company analysis shows that HDFC Bank has stronger financial metrics than competitors like ICICI Bank, making it a good investment. Key metrics like NAV, market value, and performance over time are presented to compare HDFC Bank favorably.
Black book project on power generation companyAkash Gupta
To study the performance and analyze the valuation of power generation Companies namely NHPC and its peer company like Tata Power, Neyveli Lignite, and Reliance power.
This document presents a fundamental analysis of the banking sector in India. It analyzes key metrics like net interest margin, net interest income, capital adequacy ratio, and non-performing assets for several major public and private sector banks from 2013-2015. The analysis finds that private banks generally had higher net interest margins but higher non-performing assets than public sector banks. It concludes that while the banking sector size is increasing, high interest rates and low investor confidence have led to shrinking growth.
This Summer Project Report is study of Equity market scenario in May & June 2016 and Growth prospect of IT sector. And includes Infosys company analysis with peer set analysis.
The document provides an analysis of ICICI Bank. It discusses the attractive investment environment in India, ICICI Bank's history and profile as India's second largest bank, and an analysis using Porter's Five Forces model of the banking industry in India. It also summarizes ICICI Bank's financials, board of directors, value chain, products/services offered, shareholding pattern, and technical analysis of the stock price.
- The Indian banking industry is at a critical juncture and faces both opportunities and challenges over the next decade. Ten major trends will shape the industry.
- Mortgages are expected to grow rapidly and cross Rs. 40 trillion by 2020 driven by rising incomes and changing demographics. Wealth management will also see 10x growth as wealth gets concentrated among the rich.
- "The Next Billion" customer segment earning Rs. 90,000-200,000 annually will be the largest group and demand low-cost banking solutions to serve them profitably. Meeting this demand and other expectations like financial inclusion pose significant challenges for banks over the coming decade.
The document summarizes the impact of foreign direct investment (FDI) in the retail sector in India. It notes that while FDI in retail can generate employment, increased investment, and benefits for customers through greater competition and variety, it may also displace unorganized local retailers and small businesses. A survey by the Confederation of Indian Industry found that most small and medium enterprises believe FDI in retail would increase their sales and new orders or contracts, though opinions were more mixed on impacts to employment.
This document discusses foreign direct investment (FDI) in India's retail sector. It provides an overview of the retail sector and FDI policy in India. It notes that historically FDI was only allowed up to 51% for single brand retail and 100% for cash and carry wholesale, but the new policy will allow up to 51% for multi-brand retail. The document discusses the opportunities that FDI in retail provides, such as job creation and improvement of supply chain infrastructure, as well as challenges around competition and impact on small retailers. It concludes that FDI in retail will benefit the Indian economy if implemented carefully.
This document discusses using an open access system with internet and communication technologies (ITC) to improve foreign investment in Indonesia. A survey found that 93% of foreign investment companies supported using an ITC-based system to file investment documents online, and 86% found it effective. The document argues that implementing an open ITC system can increase transparency, reduce opportunities for illegal fees, and make it easier for foreign companies to invest in Indonesia by streamlining the process online.
This document summarizes Porter's Five Forces analysis of the banking industry in India. It finds that the threat of new entry and threat of substitution are medium, while supplier power, buyer power, and competitive rivalry within the industry are high. Specifically, it notes that while new banks are still entering the market, regulations make securing licenses difficult. Buyer power is high due to technology increasing individual options and switching costs being low. Rivalry within the existing banks is also high as banks compete on services, acquisitions, interest rates, and convenience.
This document provides an introduction to equity analysis and fundamental analysis. It discusses the scope of the project being limited to analyzing three major banks in the banking sector. The objectives are to conduct a comparative study of equity research, analyze opportunities and challenges in the equity analysis sector of banking, and make future expectations. It then defines equity and equity shares, and explains how to invest in equities and why one should invest in equities. Finally, it discusses the fundamentals of fundamental analysis, including qualitative factors like industry characteristics and quantitative factors like financial metrics.
This document provides an introduction and overview of a project report on the fundamental analysis of the banking industry in India, with special reference to public sector banks. The report analyzes macroeconomic factors, assesses the performance of the banking industry, and uses financial analysis tools to evaluate and select high-performing banking companies over a five-year period from 2009-2013. The analysis focuses on metrics like net interest margin, credit-to-deposit ratio, non-performing asset ratio, earnings per share, and intrinsic value to compare company performance and make investment decisions.
This document provides an overview of a summer training project on equity analysis of banks. It includes an introduction to technical analysis and fundamental analysis. It discusses the investment portfolio of Kotak Life Insurance, including their investments in various banks. It also outlines the objectives, research methodology, and structure of the document. The document is a summary of a student project analyzing equity investments in banks using both technical and fundamental analysis approaches.
This presentation summarizes the history and current state of foreign direct investment (FDI) in India's banking sector. It notes that FDI in private sector banks is currently permitted up to 74% of equity, with 49% allowed automatically and additional amounts requiring government approval. For public sector banks, FDI is permitted up to 20% of equity. The presentation outlines the benefits of FDI for the Indian banking sector, such as technology transfer, improved risk management, better capitalization, and financial stability. It also reviews recent Reserve Bank of India guidelines regarding FDI limits and regulations in the sector.
A project report on analytical study of foreign direct investment in indiaProjects Kart
This document is a project report submitted for a Master's degree that analyzes foreign direct investment in India. It includes sections on introduction/definitions of key terms, history of FDI, objectives of the study, research methodology, and conclusions/recommendations. The introduction provides definitions of foreign direct investment and outlines its importance for both investing countries and host countries. It notes that FDI has grown significantly in recent decades and outlines several theories for why companies engage in FDI.
Foreign Direct Investment in India (FDI)Ameya Gandhi
This document lists the group members of a project and provides information about foreign direct investment (FDI) in India. It summarizes key sectors that receive FDI in India like services, manufacturing, retail, and tourism. It also outlines India's FDI policies and restrictions in different sectors. Major investing countries in India include Mauritius, Singapore, USA, and UK. The document emphasizes the need to attract quality FDI and focus on export-oriented investments to benefit the local economy.
Impact of FDI on Indian Life Insurance SectorSanthosh Golla
The document discusses foreign direct investment (FDI) in the Indian insurance sector. It provides background on the liberalization of the insurance industry in India and the growth of private insurance companies. The summary analyzes data on three major life insurance companies (ICICI Prudential, HDFC Standard Life, and SBI Life) that have benefited from FDI. It shows increasing capitalization from foreign partners Prudential, Standard Life, and BNP Paribas over several years. FDI is playing a key role in the development and increased capacity of the private insurance industry in India.
FDI refers to direct investment into production in another country through means such as buying an existing company or expanding operations. It provides benefits like access to new markets and technology but also risks like loss of control and effects on the local environment. While there are debates around its impacts, most experts argue that FDI offers more opportunities than disadvantages for India's economy and growth.
The document discusses foreign direct investment (FDI) in India. It defines FDI and describes the types of FDI including inward and outward FDI. It discusses the different methods of entering the Indian market for foreign companies, including forming a joint venture with an Indian partner or establishing a wholly owned subsidiary. It also outlines the various modes of entry like a liaison office or branch office. FDI plays an important role in the Indian economy by supplementing domestic capital and skills.
Impact of FDI on retail sector in IndiaKaran Tyagi
Foreign direct investment (FDI) refers to investment from one country into another country. Allowing FDI in India's retail sector could provide benefits like new technologies, capital, and management skills but may threaten small unorganized retailers. India's $250 billion retail sector is mostly unorganized but organized retail is growing at 15-20% annually. Major retailers in India include Pantaloon, Tata, Reliance, and others operating stores like Big Bazaar and Reliance Fresh. Common retail formats are mom-and-pop stores, department stores, shopping malls, e-commerce, discount stores, and vending machines.
The document provides an overview of foreign direct investment (FDI), including:
- Definitions and types of FDI such as greenfield investment, mergers and acquisitions, horizontal and vertical FDI.
- Advantages and disadvantages of FDI for host countries.
- The FDI procedure and approval routes in India, along with sector-specific FDI limits.
- Trends in FDI inflows to India over time and by source country, with the largest sources being Mauritius, Singapore, UK and US.
- Global FDI trends showing a rise in flows to developing countries like China and India.
Foreign Direct Investment and Indian Economy pptDr.houkat1968
This document discusses foreign direct investment (FDI) in India. It provides definitions of FDI and outlines its benefits for host countries, including market access, resources/assets, and efficiency gains. The document then reviews India's historical FDI inflows, noting higher growth post-1991 reforms. It analyzes FDI trends by source country, Indian state, and economic sector. Key findings include that services, construction and telecom attract most FDI, and Maharashtra, Delhi and southern states receive the majority. The document concludes that while India's FDI has increased significantly with reforms, targeted policies are still needed to maximize benefits and equitable distribution.
This document defines foreign direct investment and outlines some of the main theories, forms, strategies, and costs/benefits associated with FDI. It defines FDI as long-term investments involving control or influence over management. The key theories discussed are the MacDougall-Kemp hypothesis of capital moving from abundant to scarce economies, and industrial organization and location-specific theories. The main forms are greenfield investment, mergers and acquisitions, and brownfield investment. Strategies include firm-specific advantages and lowering costs. Benefits are factors of production, economic growth, and balance of payments, while costs include cultural influence and resource overuse.
The document discusses the impact of foreign direct investment (FDI) on India's economic growth through the insurance industry. It notes that insurance companies are big long-term investors in areas like corporate loans, stock markets, and infrastructure projects. While FDI limits in insurance companies and brokerage firms were increased to 49% in recent amendments, little FDI has actually been received. The document suggests establishing a Ministry of Insurance under the Prime Minister to increase political will and passing an Insurance Fraud Control Act to help the industry grow.
HDFC Bank was established in 1994 as one of the first private sector banks in India. Over the years, it has expanded significantly through mergers and organic growth, and as of today has over 1400 branches across India. The document provides details on HDFC Bank's history, capital structure, products and services, and financial performance over the years.
Effect of increase of foreign direct investment in insurance sectorPrateek Somani
This document discusses foreign direct investment (FDI) in India's insurance sector. It provides background on FDI and insurance, then summarizes the current state of FDI regulations in India, which allow up to 49% ownership in insurance companies. The benefits of increased FDI are discussed, such as higher insurance penetration, increased competition, and more capital inflows. Potential drawbacks like domestic firms struggling to compete are also outlined. An overview is given of major public and private insurance companies in India.
HDFC Bank was the first bank to receive approval from the Reserve Bank of India to operate as a private sector bank. It began operations in 1995 and has grown to become one of the largest banks in India. The bank focuses on retail, wholesale, and treasury banking. It has a widespread network across India and offers a variety of loan and deposit products to its customers. HDFC Bank aims to maintain high ethical standards and customer focus. It has a strong capital base and earns most of its revenue from interest income. In 2008, HDFC Bank acquired Centurion Bank of Punjab, significantly increasing its size and market share.
This document discusses foreign direct investment (FDI) in India. It provides statistics showing that FDI in India has increased over time but decreased in 2010-2011. The top sectors for FDI are services, telecommunications, construction, and computer software and hardware. The top sources of FDI are Mauritius, Singapore, the US and the UK. The document also examines FDI trends in various economic sectors and the benefits of FDI for the Indian economy.
CASE STUDY ON SBI
BRIEF EXPLAINATION OF THE CASE
POST-SBI-VRS SCENARIO
SBI-VRS is not as per expectation of management .. because
STRATEGIES FOR PROPER STAFF COST REDUCTION
Lessons from the case…
CONCLUSION
A STUDY ON TECHNOLOGY DRIVEN INNOVATION PRACTICES IN BANKING SECTOR IN TIRUC...PARAMASIVANCHELLIAH
A STUDY ON TECHNOLOGY DRIVEN INNOVATION PRACTICES IN BANKING
SECTOR IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D
Assistant Professor of Commerce, ThanthaiPeriyar Government Arts and Science College
(Autonomous)(Affiliated to Bharathidasan University ,Tiruchirappalli )Tiruchirappalli - 620023.
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar, PG & Research Department of Commerce ThanthaiPeriyar Government
Arts and Science College (Autonomous)(Affiliated to Bharathidasan University , Tiruchirappalli
)Tiruchirappalli - 620023.
A STUDY ON TECHNOLOGY DRIVEN INNOVATION PRACTICES IN BANKING SECTOR IN TIRUC...PARAMASIVANCHELLIAH
A STUDY ON TECHNOLOGY DRIVEN INNOVATION PRACTICES IN BANKING
SECTOR IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D
Assistant Professor of Commerce, ThanthaiPeriyar Government Arts and Science College
(Autonomous)(Affiliated to Bharathidasan University ,Tiruchirappalli )Tiruchirappalli - 620023.
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar, PG & Research Department of Commerce ThanthaiPeriyar Government
Arts and Science College (Autonomous)(Affiliated to Bharathidasan University , Tiruchirappalli
)Tiruchirappalli - 620023
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
Outreach and efficiency of inclusive banking throughRAVICHANDIRANG
Financial inclusion is one of the means for overall economic development of a country.The
growth of the retail banking industry fosters financial inclusion by providing financial products and
services to people in the rural areas of the country. The nationalization of prominent commercial banks has improved
the banker customer relationship.The measures taken by the Reserve Bank of India and other regulatory bodies
have strengthened the banking industry and have raised the level of confidence in the minds of the public about the
banking sector.The banking history has undergone tremendous changes in the last few decades
1) The document discusses inclusive banking and financial inclusion in Tamil Nadu through the use of technology. It outlines initiatives taken by the Reserve Bank of India and government to promote financial inclusion.
2) It reviews literature on challenges and issues with financial inclusion in India. Problems identified include lack of infrastructure in rural areas and lack of awareness among customers.
3) The document argues that technology is key to reaching unbanked populations and promoting efficient banking transactions. It analyzes government schemes in India like Pradhan Mantri Jan Dhan Yojana aimed at financial inclusion.
1) The document discusses inclusive banking and financial inclusion in Tamil Nadu through the use of technology. It outlines initiatives taken by the Reserve Bank of India and government to promote financial inclusion, including the Pradhan Mantri Jan Dhan Yojana.
2) It identifies some challenges to financial inclusion like lack of awareness, geographic spread, and lack of last mile connectivity. The use of technology like mobile banking, ATMs and business correspondents is seen as a way to overcome these challenges and promote inclusive banking.
3) The study aims to measure the outreach and efficiency of inclusive banking through technology in unreached rural areas of Tamil Nadu to further the goal of financial inclusion.
A Study On Customer Perception Towards Internet Banking In Kadi Area Bhavik Parmar
This document summarizes a study on customer perception of internet banking in Kadi, India. The study collected data through questionnaires from 150 respondents, including both internet banking users and non-users. Key findings include: (1) 43% of respondents use internet banking, while 57% do not; (2) the most preferred method for transactions is cash, followed by checks and debit/credit cards, with internet banking least preferred; (3) convenience is the most important reason for opening an internet banking account. The study uses statistical analysis like chi-square to understand the relationship between internet banking usage and demographic factors.
A STUDY ON CUSTOMERS AWARENESS ABOUT BANKING TECHNOLOGYAKHIL KP
This document provides an introduction and overview of modern banking technologies and customer awareness of them in India. It discusses how technology is changing the banking sector through innovations like ATMs, internet banking, mobile banking, etc. The study aims to understand customer awareness and adoption of these technologies in both urban and rural areas of Kannur district in India. It outlines the objectives, hypotheses, methodology, and limitations of the study. The literature review discusses previous research on the impact of technology on banking and factors influencing customer adoption of electronic banking services.
This document presents a statistical analysis of the effectiveness of financial technology on customers. It discusses previous literature on the topic and outlines the objectives of the current study. The study aims to formulate a framework to examine the relationship between digital banking, customer experience, and financial performance. It will analyze factors influencing customers' use of online banking services and identify risks. Both quantitative and qualitative data will be collected through surveys, interviews, and secondary sources. The findings could help banks improve customer experience and maximize value. Hypotheses are proposed regarding the relationships between customer experience, satisfaction, loyalty, and financial performance. Limitations include a non-representative sample and limited data.
A STUDY ON CUSTOMER SATISFACTION OF UPI WITH REFERENCE TO COIMBATORE CITYCassie Romero
This document summarizes a study on customer satisfaction with the Unified Payments Interface (UPI) in Coimbatore, India. The study surveyed 103 respondents to understand customer preferences, satisfaction levels, and problems faced using UPI. Key findings include:
- Most respondents were male, between 18-36 years old, with a monthly income less than Rs. 25,000.
- 44.7% had been using UPI for 2 months, while 38.8% had been using it for over 6 months. 56.3% learned of UPI from friends/relatives.
- The top app used was Google Pay (59.2%), while most common problems were network issues (49.
It is a verified indisputable fact that unit of time
practices create any organization to boost to the expectations
from all services. The banking industry isn't associate degree
exception. Within the method the assorted areas connected to the
Human Resource Development are given. With due to the service
sector Banking could be a predominant and its contribution is
critical for the economic development of the country. As a part of
study a number of the choose business banks and Grameen Vikas
Banks are coated. The terribly nature of the analysis for the
study is descriptive and quantitative aspects are given where
accessible and required. Beneath the dynamic environment the
most recent call of demonetization and its impact on banking
services and conjointly on customers given. For this purpose the
discussions command with the social control employees of
assorted choose banks and therefore the opinions of the various
customers are analyzed and given. The shoppers cluster is largely
unorganized and its reactions and responses are terribly vital for
the progress of the banking establishments and at identical time
the effective communication among the stake holders is equally
important for the graceful implementation of policies on current
challenging scenario. The current study aims to contribute
during this direction to improving the performance of current
structure of Indian Banking Sector. The study focus on Total
Quality improvement of running services.
This document summarizes a study on bankers' perceptions of electronic banking in India. The study had the following objectives: 1) To understand bankers' views on e-banking activities, 2) To analyze the impact of e-banking on banks, 3) To examine promotional measures used to promote e-banking, and 4) To assess bankers' views on how e-banking impacts relationships with customers and bank performance. The study reviewed previous literature which found that education, age, and gender influence e-banking adoption. It then described the research methodology which included collecting primary and secondary data from 220 bankers across public and private sector banks in India through questionnaires.
This document summarizes a study on bankers' perceptions of electronic banking in India. It discusses the objectives and methodology of the study, which surveyed 190 bankers about e-banking activities, impact, and promotion. Key findings include:
1) Most customers (54.74%) use e-banking services due to banker persuasion rather than own initiative. Middle-aged men ages 30-50 make greatest use of e-banking.
2) Bankers perceive e-banking has improved relationships with customers and overall bank performance. The majority felt satisfaction with e-banking customer retention rates.
3) The number of customers using e-banking is increasing, with 58.94% of
A study on banker's perception of electronic bankingRAVICHANDIRANG
Information and communication technologies have changed the working of the banking industry in the last few years. The
transformation is expected to quicken their pace in the coming years. The trend towards electronic delivery of products and
services is dramatically changing in the financial service industry, where the shift is partly as a result of consumer demand
but also a ruthless competitive environment. The present paper is an attempt to understand the use and benefits of e-Banking
from Bankers’ perspectives. This paper is the outcome of an empirical study with the objective of investigating bankers’
views regarding e-banking. It covers bankers’ perspectives on e-banking activities of respondents, impact of e-banking and
promotional measures used by banks to promote e-banking. The customers generally use e-Banking services on persuasion of
bankers. The bankers are convinced that e-banking helps in improving the relationship between bankers and customers and
that it will bring patent improvement in the overall performance of banks. So far as promotional avenues are concerned,
print media is at the top. The sources used from secondary level of data.
This study examined customers' usage of digital banking in Gobichettipalayam, Erode District, Tamil Nadu. A survey was conducted of 100 banking customers to understand their perceptions and factors influencing adoption of digital banking. Results showed that income, education, and age significantly impacted digital banking usage. Customers were motivated by the convenience of 24/7 access, time savings, and ease of use. However, some concerns around security of personal information and safe transactions remained. Overall, customers seemed to be adapting to digital banking despite challenges, with convenience factors being key drivers of popularity and satisfaction.
Customers Satisfaction on the Retail Banking Sector in Bangladesh: A Case Stu...Dr. Amarjeet Singh
This document analyzes customer satisfaction with retail banking services at City Bank Limited in Bangladesh. It conducts a case study through a survey of 50 City Bank customers to measure their expectations and satisfaction levels. The survey finds that customers are generally satisfied with reliability but less satisfied with accessibility, fees, and ATM services. To improve satisfaction, the bank should focus on expanding its branch network, simplifying the account opening process, improving ATM availability and reducing transaction fees. The study aims to help City Bank enhance its customer service and better meet customer needs.
This document provides an introduction to a study on customer service in the banking industry. It discusses the important role of banks in economic development and how customer satisfaction is critical to a bank's success. The objectives of the study are to understand customer perceptions of service quality, the types of banking services used, and customer satisfaction with services of ICICI Bank in Coimbatore City. The study uses surveys and statistical analysis to evaluate customer opinions and identify relationships between demographic factors and banking preferences and behaviors.
Knowledge management in banking sector india - Abhishek nagreAbhishek Nagre
This document provides an overview of knowledge management practices in the banking sector. It discusses how banks acquire, store, distribute and utilize knowledge to improve decision making, customer satisfaction and performance. Major knowledge management applications in banks include risk management, marketing, customer relationship management and performance measurement. The document also outlines some challenges in knowledge management for banks and provides examples of how certain Indian banks such as ICICI Bank implement knowledge management systems.
A Study On Customer’s Perception And Satisfaction Towards Electronic Banking ...iosrjce
IOSR Journal of Business and Management (IOSR-JBM) is a double blind peer reviewed International Journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
Similar to Impact of FDI on Indian Banking Sector (20)
The document provides information on starting small scale enterprises in India. It discusses rules and regulations small enterprises must follow, including not polluting the environment, exploiting labor, or cheating customers. It also lists important acts related to small enterprises, such as those governing factories, labor disputes, contracts, wages, and more. The document defines small enterprises and categories within small enterprises, such as tiny industries, export-oriented units, and service businesses. It discusses characteristics, advantages, and the role of small enterprises in economic development, including increasing employment, production, and exports over decades. Finally, it outlines the steps to start a small enterprise, including selecting a project and location, feasibility studies, deciding the business structure, and obtaining necessary approvals
Core concepts of marketing and buying motivesvenkatesh yadav
The document discusses customer buying motives and behaviors. It aims to explain why customers buy and classify different customer buying motives. It discusses how needs and wants differ, and how various factors like age, income, and culture can influence them. Motives are categorized as emotional or rational, and the document explores how both motive types can combine or conflict. The salesperson's role is to understand the customer's dominant motives.
This document discusses marketing mix and product life cycle. It begins by defining marketing mix as the four Ps - product, price, promotion and place. It then explains each of the four Ps in detail. It discusses the stages of product life cycle - introduction, growth, maturity and decline. It emphasizes that businesses need to adapt their marketing strategies according to the stage in the product life cycle to maximize profits over the product's lifespan. The document also discusses new product development process and reasons for new product success or failure.
The document discusses the marketing environment and its components. It identifies three key elements of the marketing environment: the internal environment, the microenvironment, and the macroenvironment. The internal environment includes internal stakeholders and functional areas. The microenvironment consists of suppliers, customers, competitors, and public groups. The macroenvironment includes large societal forces such as political, economic, technological, cultural factors that shape opportunities and threats beyond a firm's control. Understanding how these environmental factors impact marketing management is essential for effective planning and competition.
This document provides an introduction to marketing concepts from the perspective of Asst. Prof. Venkatesh.N of Koshys Institute of Management Studies. It discusses key topics such as the meaning and definition of marketing, the marketing management process, marketing concepts including production, product, selling, and societal concepts. It also examines marketing functions like merchandising, physical distribution, and facilitating functions. Different approaches to studying marketing are outlined including the commodity, institutional, functional, and management decision-making approaches. The goal of the modern marketing concept is discussed as meeting customer needs profitably through an integrated approach focused on customer orientation, satisfaction and welfare.
This document provides an overview of service management. It begins by defining what constitutes a service and management. It then defines service management as connecting a company's sales to customers. The goals of service management are to maximize complex service supply chains and reduce costs. It discusses the supply chain and classifications of services. It also covers characteristics of services, service encounters, service blueprints, the GAP model, and the marketing mix as applied to services. Finally, it discusses functions of service management including marketing objectives, planning, organizing, coordinating, directing, controlling, staffing, and analysis/evaluation.
The document provides an overview of different types of advertising:
- Consumer advertising promotes products and services to individuals and families for personal use.
- Institutional advertising promotes a company's image rather than specific products.
- Retail advertising encourages customers to shop at a particular store rather than promoting specific brands.
- Trade advertising targets wholesalers and retailers who influence consumer availability of products.
- Professional advertising promotes products to doctors, dentists and other professionals who can recommend products to customers.
This document provides an overview of business research methods. It defines research as the process of finding solutions to problems through thorough study and analysis. Business research uses information gathered from data to help managers make informed decisions. The objectives, types, and importance of research are discussed. The scientific investigation process and various research approaches, including quantitative and qualitative methods, are also outlined. Finally, elements of the research process like hypotheses, sampling, data analysis, and reporting are defined.
Tourism involves travel for recreational, leisure, or business purposes. Key aspects of the tourism industry include transportation, accommodations, attractions, food services, and other tourism-related sectors. Tourism marketing utilizes the 4Ps - product, price, place, and promotion. Products involve both tangible goods and intangible experiences. Promotion communicates with customers through various channels. Placement refers to how information is distributed. Pricing considers costs, demand, competition and commissions. Road transport is an important part of tourism, providing connectivity and flexibility. It faces challenges around infrastructure maintenance.
1) Profit earned before a company is incorporated is called pre-incorporation profit. It is considered capital profit and cannot be distributed as dividends.
2) To calculate pre-incorporation profit, expenses are divided between pre- and post-incorporation periods using time and sales ratios. Fixed expenses are divided by time ratio while variable expenses use sales ratio.
3) A net profit statement is prepared to analyze profit for the pre- and post-incorporation periods by allocating income and expenses accordingly.
This document outlines various postgraduate programs in business administration and management that provide higher education opportunities, including MBAs in various specializations as well as other masters programs. It also lists some common career paths for graduates, including in industries like banking, services, automotive, and more. Specific career opportunities mentioned include positions at banks, business houses, consultancies, educational institutions, and more.
Students from a college campus assembled to discuss an upcoming industrial visit to the KSDL Company where they would tour the packing and quality testing departments as well as the manufacturing department to learn about the different products made from Mysore sandal. The visit concluded with the group thanking their guide from the research and development department at the exit gate before departing.
Barriers of Communication,Types of Barriers in Communication,1.Physical barriers,2.Physiological barriers,Example for psychological,PSYCHOLOGICAL BARRIERS,Selective perception,Message related barrier,4.Organizational barrier,Organizational barriers,Cross-cultural barrier,Different languages And cultures,Learning about other cultures,Discrimination,Dealing with Discrimination in the Workplace,Types Of Discrimination,Overcoming barriers,Personal barriers,Barriers related to the communicator
Aenon Orion Infomatics, About us, HR services,BENEFITS OF OUR APPROACH,WHAT IS OUTSOURCING,Top 10 Outsourcing Benefits,AOI COMMON SERVICES,AOI Services for Car Rental,AOI – No Headache,AOI staff trained on,
Listening,Listening Structure,The Steps of listening,The Process of Listening,Hierarchy of Active Listening,Importance of Active Listening,BARRIERS TO EFFECTIVE LISTENING,BARRIERS TO GOOD LISTENING,How to Improve Listening Skills,How to improve listening skills in English,
Service ,Supply chain management ,Characteristics of service,Product And Service Marketing Mix
Differences B/W Goods and Services,Classification of service,Service encounter,Service blueprint,service marketing triangle, types of marketing traingle.
Effectiveness of micro finance on living standards and empowerment1venkatesh yadav
Effectiveness of micro finance on living standards and empowerment,Micro- Finance - Meaning,Characteristics of Micro-finance,Microfinance Products and Services,Statement of the Problem
Modern communication devices like smartphones and the internet have made communication much faster and more convenient. People can now communicate easily from anywhere through email, text messages, video calls, and social media. While these technologies have improved lives, they have also changed the way people interact and brought about both benefits and drawbacks. The document then discusses various modern communication methods like cellular phones, pagers, email, fax, video conferencing, and social media and how they have revolutionized communication.
This power point presentation contain mainly- Aims and Objectives,Def” of Advertising,Brand and Marketing mix,The marketing mix,Role of Advertising,The Advertising Plan,The importance of advertising,Types of advertising,Major advertising media,The Functions of Advertising,The Key Players,Components of Advertising,What Makes an Ad Effective?.
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
Chapter wise All Notes of First year Basic Civil Engineering.pptxDenish Jangid
Chapter wise All Notes of First year Basic Civil Engineering
Syllabus
Chapter-1
Introduction to objective, scope and outcome the subject
Chapter 2
Introduction: Scope and Specialization of Civil Engineering, Role of civil Engineer in Society, Impact of infrastructural development on economy of country.
Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
Linear Measurements: Instruments used. Linear Measurement by Tape, Ranging out Survey Lines and overcoming Obstructions; Measurements on sloping ground; Tape corrections, conventional symbols. Angular Measurements: Instruments used; Introduction to Compass Surveying, Bearings and Longitude & Latitude of a Line, Introduction to total station.
Levelling: Instrument used Object of levelling, Methods of levelling in brief, and Contour maps.
Chapter 4
Buildings: Selection of site for Buildings, Layout of Building Plan, Types of buildings, Plinth area, carpet area, floor space index, Introduction to building byelaws, concept of sun light & ventilation. Components of Buildings & their functions, Basic concept of R.C.C., Introduction to types of foundation
Chapter 5
Transportation: Introduction to Transportation Engineering; Traffic and Road Safety: Types and Characteristics of Various Modes of Transportation; Various Road Traffic Signs, Causes of Accidents and Road Safety Measures.
Chapter 6
Environmental Engineering: Environmental Pollution, Environmental Acts and Regulations, Functional Concepts of Ecology, Basics of Species, Biodiversity, Ecosystem, Hydrological Cycle; Chemical Cycles: Carbon, Nitrogen & Phosphorus; Energy Flow in Ecosystems.
Water Pollution: Water Quality standards, Introduction to Treatment & Disposal of Waste Water. Reuse and Saving of Water, Rain Water Harvesting. Solid Waste Management: Classification of Solid Waste, Collection, Transportation and Disposal of Solid. Recycling of Solid Waste: Energy Recovery, Sanitary Landfill, On-Site Sanitation. Air & Noise Pollution: Primary and Secondary air pollutants, Harmful effects of Air Pollution, Control of Air Pollution. . Noise Pollution Harmful Effects of noise pollution, control of noise pollution, Global warming & Climate Change, Ozone depletion, Greenhouse effect
Text Books:
1. Palancharmy, Basic Civil Engineering, McGraw Hill publishers.
2. Satheesh Gopi, Basic Civil Engineering, Pearson Publishers.
3. Ketki Rangwala Dalal, Essentials of Civil Engineering, Charotar Publishing House.
4. BCP, Surveying volume 1
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
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A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
Walmart Business+ and Spark Good for Nonprofits.pdfTechSoup
"Learn about all the ways Walmart supports nonprofit organizations.
You will hear from Liz Willett, the Head of Nonprofits, and hear about what Walmart is doing to help nonprofits, including Walmart Business and Spark Good. Walmart Business+ is a new offer for nonprofits that offers discounts and also streamlines nonprofits order and expense tracking, saving time and money.
The webinar may also give some examples on how nonprofits can best leverage Walmart Business+.
The event will cover the following::
Walmart Business + (https://business.walmart.com/plus) is a new shopping experience for nonprofits, schools, and local business customers that connects an exclusive online shopping experience to stores. Benefits include free delivery and shipping, a 'Spend Analytics” feature, special discounts, deals and tax-exempt shopping.
Special TechSoup offer for a free 180 days membership, and up to $150 in discounts on eligible orders.
Spark Good (walmart.com/sparkgood) is a charitable platform that enables nonprofits to receive donations directly from customers and associates.
Answers about how you can do more with Walmart!"
How to Make a Field Mandatory in Odoo 17Celine George
In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.
This presentation was provided by Steph Pollock of The American Psychological Association’s Journals Program, and Damita Snow, of The American Society of Civil Engineers (ASCE), for the initial session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session One: 'Setting Expectations: a DEIA Primer,' was held June 6, 2024.
How to Manage Your Lost Opportunities in Odoo 17 CRMCeline George
Odoo 17 CRM allows us to track why we lose sales opportunities with "Lost Reasons." This helps analyze our sales process and identify areas for improvement. Here's how to configure lost reasons in Odoo 17 CRM
A workshop hosted by the South African Journal of Science aimed at postgraduate students and early career researchers with little or no experience in writing and publishing journal articles.
Reimagining Your Library Space: How to Increase the Vibes in Your Library No ...Diana Rendina
Librarians are leading the way in creating future-ready citizens – now we need to update our spaces to match. In this session, attendees will get inspiration for transforming their library spaces. You’ll learn how to survey students and patrons, create a focus group, and use design thinking to brainstorm ideas for your space. We’ll discuss budget friendly ways to change your space as well as how to find funding. No matter where you’re at, you’ll find ideas for reimagining your space in this session.
বাংলাদেশের অর্থনৈতিক সমীক্ষা ২০২৪ [Bangladesh Economic Review 2024 Bangla.pdf] কম্পিউটার , ট্যাব ও স্মার্ট ফোন ভার্সন সহ সম্পূর্ণ বাংলা ই-বুক বা pdf বই " সুচিপত্র ...বুকমার্ক মেনু 🔖 ও হাইপার লিংক মেনু 📝👆 যুক্ত ..
আমাদের সবার জন্য খুব খুব গুরুত্বপূর্ণ একটি বই ..বিসিএস, ব্যাংক, ইউনিভার্সিটি ভর্তি ও যে কোন প্রতিযোগিতা মূলক পরীক্ষার জন্য এর খুব ইম্পরট্যান্ট একটি বিষয় ...তাছাড়া বাংলাদেশের সাম্প্রতিক যে কোন ডাটা বা তথ্য এই বইতে পাবেন ...
তাই একজন নাগরিক হিসাবে এই তথ্য গুলো আপনার জানা প্রয়োজন ...।
বিসিএস ও ব্যাংক এর লিখিত পরীক্ষা ...+এছাড়া মাধ্যমিক ও উচ্চমাধ্যমিকের স্টুডেন্টদের জন্য অনেক কাজে আসবে ...
How to Setup Warehouse & Location in Odoo 17 InventoryCeline George
In this slide, we'll explore how to set up warehouses and locations in Odoo 17 Inventory. This will help us manage our stock effectively, track inventory levels, and streamline warehouse operations.
How to Setup Warehouse & Location in Odoo 17 Inventory
Impact of FDI on Indian Banking Sector
1.
2. Today Indian Banks are as technology
savvy as their counter parts in
developed countries.
The competitive and reform force have
led to the emergence of internet, e-
banking, ATM, credit card and mobile
banking too, to let banks attract and
retain customers.
In recent times economy is been pushing
to increase the role of multi-national
banks in the banking sector.
3. Innovative Financial Products
Technical Developments in the Domestic
Markets
Problem of Inefficient Management
Non-performing Assets
Financial Instability
Poor Capitalization
Changing Financial Market Conditions
Customized products and services
Value added services and features
4. In today’s economy FDI plays an
important role in each sector. So it is
important to understand the concept
and trends of FDI, therefore in this study
an attempt is made to find out the
impact of FDI on Indian banking industry.
Hence, the present study.
5. To find out the Impact of FDI on Indian
banking services.
To Analyze the Impact of FDI on Indian
banking Technology
To understand the Impact of FDI on
Indian banking Infrastructure.
To check out customer satisfaction
towards FDI.
6. Research Type: - Analytical Research.
Sampling Technique: - Simple random
sampling
Sample Size: - 50 Respondents,
Sample Population: - Bank Customers.
Research Tools: - Percentage and
Correlation
Plan of Analysis: - The collected data
analyzed and interpreted by using tables
and statistical tools.
7. Statement: - “There is a strong linkage between
Technology and Customer Satisfaction”
RESULT
The statement pertaining relationship between
satisfaction and technology. It is inferred that the
correlation between said variables are strongly linked
to each other. The result at 0.01 significant level (2
tailed) Pearson correlation is .918. In this study
customer satisfaction is depended on modern
technology adopted by Indian banking industry
through FDI. Therefore, banking industry is making
customer delightment by providing various
innovative technological services like ATM, Mobile
banking instant transfer and so on.
8. It is found that only 36% female respondents
are having bank accounts.
Majority of the respondents belonging to
18-35 age groups.
It is found that the length of experience of
56% belongs to1-5 years.
It is found that most of the respondents
approve FDI will increase banking services
It is found that most of the respondents feel
that FDI will help the banks to provide
innovative banking facilities to customers.
9. In Indian context females are not encouraged much and not
given independency to have bank accounts. It is suggested
that female should be given more social freedom,
encouragement and independency to participate in banking
activities. It is known that females are more cautious about
money management. Hence, priority should be given to
females.
India is known for youngsters in this study majority of the age
group who have participating in banking activities are youths.
It is suggested that country like India not only consist of
youngsters but also other age group with different
experience and exposure should participate in banking
activities.
10. The boom of LPG Era attracts more customers
to participate in banking activities by providing
various segment features for different
segmented customers. It is suggested that
banks should continue the same rapport with
the customer and try to introduce some
creative and innovative feature for minors also.
FDI creates a competitive zone among banks by
inculcating services like increases of working hours,
systematic procedures, discloser of information, on
time delivery and reduction of malpractices. Hence,
it is suggested that all banks should continue the
same.
11. At the outset, foreign direct investment is
playing a important role in case banking
industry by providing investment, modern
technology, best practices, innovative
ideas, creative atmosphere and so on.FDI
also extended its interest towards banking
employees to feel free, work without stress,
good ambiance, and job satisfaction. FDI
also facilitate banking management to
take right decision at the right time through
best guidelines. Eventually, FDI must take
care of social responsibility of the society.