The Indian banking and finance industry has experienced rapid growth over the past decade. It is well-regulated and has helped power India's economic growth. The total assets of the banking industry have grown from $250 billion in 2000 to $1.3 trillion in 2010, at an annual growth rate of 18%. It is projected that the Indian banking industry will become the third largest in the world by 2025. Growth has been driven by increasing bank account ownership, rising retail lending, and structural changes in regulation. However, risks remain from rising consumer debt and the need to better serve rural markets.
This document provides an overview and outlook of the Indonesian market in 2012. It begins with key statistics on Indonesia's population, GDP, exchange rates, and credit ratings. There is then a discussion of highlights for high-net-worth individuals (HNWIs) in Indonesia, including estimates of the HNWI population and wealth for 2010-2015. The final section outlines ways to protect wealth through a private wealth management perspective, focusing on setting objectives, managing risks and returns, diversification, and time horizons. The presentation concludes with contact information for PT MaeSa Consulting Indonesia for further information.
This document provides information about doing business in Asia and the importance of Asia for Finnish companies. It notes that Asia is projected to return to having half of the world's GDP by 2050 according to some estimates. Currently China and India have the two largest GDPs in Asia based on Purchasing Power Parity. The document also outlines Finpro's network in Asia which helps over 200 clients annually, primarily in China, with sales channel development and company establishment. It emphasizes that the Chinese business culture values personal relationships and networks, and cautions that simply finding a sales representative may not guarantee business success.
Vibrant Gujarat Summit Profile on Financial services Opportunity in GujaratVibrant Gujarat
1. Growing importance of emerging markets like Asia and Africa
2. IT Platform sharing: Immediate access to information and integration along product lines and geography are a must for future success
3. E‐ Banking: With increasing penetration of the internet services and increasing number of people with cell phones; an expected 10‐20 percent year over year growth, personal and business banking transactions will be conducted phones more and more
4. Mobile Money: The increase of mobile phone usage in emerging markets makes mobile money a safe, low cost initiative for the financial sector. Customer questions and concerns should be addressed more quickly. This will result in improved service delivery and greater customer.
This document provides an overview of the micro insurance industry in India. It discusses the region-wise distribution of life insurance offices according to data from the IRDA annual report from 2010-2011. The largest percentages of offices were in semi-urban and other areas. It also presents two tables, one showing the market share and regional breakdown of various life insurance companies, and another listing individual microinsurance products launched by different companies and their launch dates. The objective of the paper is to examine an overview of the micro insurance industries in India through analysis of secondary data sources such as IRDA reports.
The document provides an overview of the insurance industry in India. Some key points:
- India's insurance market has been growing rapidly, with the life insurance premium market expanding at a CAGR of 15.3% from 2004-2014, and the non-life insurance premium market rising at a CAGR of 16.3% over the same period.
- The share of private sector players has increased significantly over time, with their share of life insurance premiums growing from 4.7% in 2004 to 24.6% in 2014.
- Emerging segments like health, crop, and motor insurance are expected to drive future growth in the industry. The crop insurance market is now the largest in the world
Venture capital refers to investments made in startup companies and small businesses with long-term growth potential. Venture capitalists provide funding to companies that do not have access to capital markets in exchange for equity ownership. They carefully evaluate founders and business concepts before investing and remain actively involved after by monitoring portfolio companies and participating at the board level. India has significant potential for venture capital investment due to its success in technology industries. Several government programs and private funds have helped promote venture capital in India since the 1970s, focusing on technology and manufacturing sectors. Typical returns sought by venture capitalists range from 30-60% depending on the business stage.
The Present Situation of Insurance in India and Developments in Private Insur...Praveen Gupta
The last decade has been a slowly unfolding, occasionally frustrating but eventful period for the Indian insurance industry. The dominant theme throughout the 1990s was the liberalization agenda.
New Media Strategy for IFFCO-Tokio- Supporting documentsahilchopra1987
This document provides an industry analysis of the Indian non-life insurance sector. It discusses the liberalization of the industry that began in 2000 which allowed private companies to enter the market. Since then, the industry has grown significantly in terms of business and new policies, though penetration rates remain lower than other countries. The report also analyzes trends in the industry including strong premium growth rates in recent years and the detariffing of rates.
This document provides an overview and outlook of the Indonesian market in 2012. It begins with key statistics on Indonesia's population, GDP, exchange rates, and credit ratings. There is then a discussion of highlights for high-net-worth individuals (HNWIs) in Indonesia, including estimates of the HNWI population and wealth for 2010-2015. The final section outlines ways to protect wealth through a private wealth management perspective, focusing on setting objectives, managing risks and returns, diversification, and time horizons. The presentation concludes with contact information for PT MaeSa Consulting Indonesia for further information.
This document provides information about doing business in Asia and the importance of Asia for Finnish companies. It notes that Asia is projected to return to having half of the world's GDP by 2050 according to some estimates. Currently China and India have the two largest GDPs in Asia based on Purchasing Power Parity. The document also outlines Finpro's network in Asia which helps over 200 clients annually, primarily in China, with sales channel development and company establishment. It emphasizes that the Chinese business culture values personal relationships and networks, and cautions that simply finding a sales representative may not guarantee business success.
Vibrant Gujarat Summit Profile on Financial services Opportunity in GujaratVibrant Gujarat
1. Growing importance of emerging markets like Asia and Africa
2. IT Platform sharing: Immediate access to information and integration along product lines and geography are a must for future success
3. E‐ Banking: With increasing penetration of the internet services and increasing number of people with cell phones; an expected 10‐20 percent year over year growth, personal and business banking transactions will be conducted phones more and more
4. Mobile Money: The increase of mobile phone usage in emerging markets makes mobile money a safe, low cost initiative for the financial sector. Customer questions and concerns should be addressed more quickly. This will result in improved service delivery and greater customer.
This document provides an overview of the micro insurance industry in India. It discusses the region-wise distribution of life insurance offices according to data from the IRDA annual report from 2010-2011. The largest percentages of offices were in semi-urban and other areas. It also presents two tables, one showing the market share and regional breakdown of various life insurance companies, and another listing individual microinsurance products launched by different companies and their launch dates. The objective of the paper is to examine an overview of the micro insurance industries in India through analysis of secondary data sources such as IRDA reports.
The document provides an overview of the insurance industry in India. Some key points:
- India's insurance market has been growing rapidly, with the life insurance premium market expanding at a CAGR of 15.3% from 2004-2014, and the non-life insurance premium market rising at a CAGR of 16.3% over the same period.
- The share of private sector players has increased significantly over time, with their share of life insurance premiums growing from 4.7% in 2004 to 24.6% in 2014.
- Emerging segments like health, crop, and motor insurance are expected to drive future growth in the industry. The crop insurance market is now the largest in the world
Venture capital refers to investments made in startup companies and small businesses with long-term growth potential. Venture capitalists provide funding to companies that do not have access to capital markets in exchange for equity ownership. They carefully evaluate founders and business concepts before investing and remain actively involved after by monitoring portfolio companies and participating at the board level. India has significant potential for venture capital investment due to its success in technology industries. Several government programs and private funds have helped promote venture capital in India since the 1970s, focusing on technology and manufacturing sectors. Typical returns sought by venture capitalists range from 30-60% depending on the business stage.
The Present Situation of Insurance in India and Developments in Private Insur...Praveen Gupta
The last decade has been a slowly unfolding, occasionally frustrating but eventful period for the Indian insurance industry. The dominant theme throughout the 1990s was the liberalization agenda.
New Media Strategy for IFFCO-Tokio- Supporting documentsahilchopra1987
This document provides an industry analysis of the Indian non-life insurance sector. It discusses the liberalization of the industry that began in 2000 which allowed private companies to enter the market. Since then, the industry has grown significantly in terms of business and new policies, though penetration rates remain lower than other countries. The report also analyzes trends in the industry including strong premium growth rates in recent years and the detariffing of rates.
The document provides an overview of the banking industry in India. It discusses key points:
- The Reserve Bank of India (RBI) acts as the central bank and regulates monetary policy, banking supervision, foreign exchange and more.
- India has a multi-tiered banking structure including retail banking for consumers, international banking, and wholesale banking for large corporations.
- Banks in India must follow regulations around capital requirements, priority sector lending targets, and controlling non-performing assets.
- Performance is measured using metrics like capital adequacy, asset quality, management efficiency, earnings quality, and more.
This document summarizes the top 10 actors of 2013, including Chris Hemsworth, Andrew Garfield, Joseph Gordon-Levitt, Robert Downey Jr., Hugh Jackman, Will Ferrell, Will Smith, Dwayne Johnson, Leonardo DiCaprio, and Chris Pine. It provides biographical details and notable roles for each actor. Key facts include that Chris Hemsworth is known for playing Thor, Andrew Garfield played Spider-Man, and Robert Downey Jr. had a career comeback playing Iron Man.
O documento apresenta tabelas e informações sobre campeonatos de futebol infantil realizados nas categorias sub-11, sub-13 e sub-15 nas cidades da região serrana do Espírito Santo. São listados jogos realizados entre times de diferentes cidades com resultados e classificações. Há também informações sobre disputas de cabeças de chave, repescagem e fase final do campeonato.
Internet Explorer 9 provides a cleaner user experience that takes advantage of new HTML5 and CSS3 capabilities. It features a new JavaScript engine that improves performance by compiling code to native machine instructions in the background. The browser is designed to be more interoperable by supporting the same markup across platforms. Internet Explorer 9 also focuses on security and privacy while providing early access to emerging web standards through experimental labs.
El documento describe un punto nodal sobre la elaboración del tamal grande en la cultura Hñahñu. Se relaciona este punto nodal con los diferentes campos de formación de la educación básica como lenguaje y comunicación, pensamiento matemático, exploración del mundo natural y social, y desarrollo personal. Se proponen diversas actividades en cada asignatura vinculadas a la preparación y significado cultural del tamal grande.
O documento descreve o calendário e resultados do 7o Campeonato Serrano Infantil de futebol nas categorias sub-11, sub-13 e sub-15, incluindo as datas e horários dos jogos das fases de disputa do 2o cabeça de chave, repescagem, fase final e premiação. A tabela de classificação geral após a fase de pontos corridos é também apresentada.
This document is a maintenance handbook for the OMI+ On Machine Inspection system. It provides safety information and outlines a maintenance schedule and procedures. The schedule includes daily, weekly, monthly and annual maintenance. Daily maintenance includes cleaning various parts like the hopper, weight and size units. Weekly maintenance includes replacing PDV sleeves and cleaning sensors. Monthly maintenance involves PDV filter maintenance and cleaning the PC filter. Annual maintenance consists of tasks like replacing the size unit drive belt, PDV air filters and hoses, cleaning the PC and maintaining the air system. Replacement parts are also listed.
Brazilian korfball began in the 1980s when physical education teachers discovered the sport in Austria and brought it to Brazil. In the late 1990s and early 2000s, Marcello Bepi Soares and Claudio Ferreira de Oliveira began promoting korfball in Rio de Janeiro through demonstrations and games. In 2002, representatives from the IKF visited Brazil and held the first korfball course, helping to further develop the sport.
Este documento descreve a criação da Declaração Universal dos Direitos da Criança pela UNICEF em 20 de novembro de 1959. A declaração estabelece dez princípios de direitos das crianças, incluindo igualdade, proteção, cuidados de saúde, educação e proteção contra exploração. A declaração visa garantir que os direitos das crianças sejam respeitados em todo o mundo.
O poema descreve diferentes tipos de borboletas por suas cores - brancas, azuis, amarelas e pretas - e como elas brincam na luz do sol. As borboletas brancas são descritas como alegres e francas, enquanto as azuis gostam muito da luz do sol.
Esta ruta de 20 km recorre los pueblos de Salares, Canillas de Albaida y Archez, pasando por la Fábrica de la Luz. El itinerario discurre principalmente por carriles y asfalto, con un desnivel positivo de 1169 m. Los puntos de interés a lo largo de la ruta incluyen puentes romanos, ermitas, iglesias y vistas de la sierra.
El documento presenta un extracto del texto de Gabriel Miró en el que describe paisajes de la costa alicantina de forma lírica, enfocando diferentes elementos como tierras de labranza, olivos, montes, el mar, etc. y captando sensaciones visuales, táctiles y olfativas. También incluye breves explicaciones sobre algunas palabras del texto y un apoyo léxico.
O documento relata investimentos do Governo do Estado de São Paulo em Guarujá, incluindo a inauguração de 51 leitos no Hospital Emílio Ribas II, R$ 1,5 milhão para obras de drenagem na Avenida Brasil, e a implantação de um Restaurante Popular Bom Prato no município.
Este documento recuerda a la familia Flores y sus tradiciones, incluyendo celebrar el 10 de Mayo y otros festejos con serenatas y grandes comidas. También honra la memoria de los miembros de la familia que han fallecido pero que viven en los corazones de los demás.
Paulo Freire (1921-1997) foi um educador brasileiro que desenvolveu uma pedagogia progressista baseada no diálogo e na conscientização crítica. Sua obra principal, Pedagogia do Oprimido (1968), defende que a educação deve libertar as pessoas da opressão através do diálogo entre professor e aluno. O documento descreve a vida e obra de Freire, incluindo suas principais influências filosóficas e seus encontros com pessoas ao redor do mundo que inspiraram seu trabalho.
O documento fornece dicas e curiosidades sobre o jogo Halo Reach, descrevendo as principais armas humanas e covenant, bem como os membros da Equipe Noble e suas características. As armas são classificadas de acordo com sua taxa de fogo, dano, alcance e outras métricas. A equipe Noble é apresentada com seus papéis, armas favoritas e citações.
Este documento es un homenaje a Carme Raichs de parte de un grupo de personas que la aprecian. Consiste en una introducción y una serie de poemas escritos por diferentes personas que han participado en el Taller de Poesía dirigido por Carme Raichs. Los poemas expresan su admiración y agradecimiento por la enseñanza y guía que les ha brindado Carme a lo largo de los años.
O documento lista os nomes e números de identificação de 5 estudantes e fornece informações sobre sistemas de gerenciamento de cadeia de suprimentos, estoque, clientes e outros processos de negócios.
Malaysia is looking to grow its derivatives market and become more integrated in the global financial system. The derivatives market in Malaysia is centered around Bursa Malaysia Derivatives, which is a subsidiary of the Bursa Malaysia stock exchange. Activity and foreign participation in the Malaysian derivatives market has been increasing in recent years, supported by initiatives like partnerships with international exchanges and the introduction of new derivatives products. Bursa Malaysia Derivatives is working to further develop the market through initiatives aimed at attracting more investors and market participants.
The real estate industry is one of the biggest sources of income globally. It has gained a
reputation of creating wealth like no other instrument. Worldwide, real estate revenues have
risen meteorically over the decades. Growing world cities have become hubs for high value real
estate.
The document provides an overview of the banking industry in India. It discusses key points:
- The Reserve Bank of India (RBI) acts as the central bank and regulates monetary policy, banking supervision, foreign exchange and more.
- India has a multi-tiered banking structure including retail banking for consumers, international banking, and wholesale banking for large corporations.
- Banks in India must follow regulations around capital requirements, priority sector lending targets, and controlling non-performing assets.
- Performance is measured using metrics like capital adequacy, asset quality, management efficiency, earnings quality, and more.
This document summarizes the top 10 actors of 2013, including Chris Hemsworth, Andrew Garfield, Joseph Gordon-Levitt, Robert Downey Jr., Hugh Jackman, Will Ferrell, Will Smith, Dwayne Johnson, Leonardo DiCaprio, and Chris Pine. It provides biographical details and notable roles for each actor. Key facts include that Chris Hemsworth is known for playing Thor, Andrew Garfield played Spider-Man, and Robert Downey Jr. had a career comeback playing Iron Man.
O documento apresenta tabelas e informações sobre campeonatos de futebol infantil realizados nas categorias sub-11, sub-13 e sub-15 nas cidades da região serrana do Espírito Santo. São listados jogos realizados entre times de diferentes cidades com resultados e classificações. Há também informações sobre disputas de cabeças de chave, repescagem e fase final do campeonato.
Internet Explorer 9 provides a cleaner user experience that takes advantage of new HTML5 and CSS3 capabilities. It features a new JavaScript engine that improves performance by compiling code to native machine instructions in the background. The browser is designed to be more interoperable by supporting the same markup across platforms. Internet Explorer 9 also focuses on security and privacy while providing early access to emerging web standards through experimental labs.
El documento describe un punto nodal sobre la elaboración del tamal grande en la cultura Hñahñu. Se relaciona este punto nodal con los diferentes campos de formación de la educación básica como lenguaje y comunicación, pensamiento matemático, exploración del mundo natural y social, y desarrollo personal. Se proponen diversas actividades en cada asignatura vinculadas a la preparación y significado cultural del tamal grande.
O documento descreve o calendário e resultados do 7o Campeonato Serrano Infantil de futebol nas categorias sub-11, sub-13 e sub-15, incluindo as datas e horários dos jogos das fases de disputa do 2o cabeça de chave, repescagem, fase final e premiação. A tabela de classificação geral após a fase de pontos corridos é também apresentada.
This document is a maintenance handbook for the OMI+ On Machine Inspection system. It provides safety information and outlines a maintenance schedule and procedures. The schedule includes daily, weekly, monthly and annual maintenance. Daily maintenance includes cleaning various parts like the hopper, weight and size units. Weekly maintenance includes replacing PDV sleeves and cleaning sensors. Monthly maintenance involves PDV filter maintenance and cleaning the PC filter. Annual maintenance consists of tasks like replacing the size unit drive belt, PDV air filters and hoses, cleaning the PC and maintaining the air system. Replacement parts are also listed.
Brazilian korfball began in the 1980s when physical education teachers discovered the sport in Austria and brought it to Brazil. In the late 1990s and early 2000s, Marcello Bepi Soares and Claudio Ferreira de Oliveira began promoting korfball in Rio de Janeiro through demonstrations and games. In 2002, representatives from the IKF visited Brazil and held the first korfball course, helping to further develop the sport.
Este documento descreve a criação da Declaração Universal dos Direitos da Criança pela UNICEF em 20 de novembro de 1959. A declaração estabelece dez princípios de direitos das crianças, incluindo igualdade, proteção, cuidados de saúde, educação e proteção contra exploração. A declaração visa garantir que os direitos das crianças sejam respeitados em todo o mundo.
O poema descreve diferentes tipos de borboletas por suas cores - brancas, azuis, amarelas e pretas - e como elas brincam na luz do sol. As borboletas brancas são descritas como alegres e francas, enquanto as azuis gostam muito da luz do sol.
Esta ruta de 20 km recorre los pueblos de Salares, Canillas de Albaida y Archez, pasando por la Fábrica de la Luz. El itinerario discurre principalmente por carriles y asfalto, con un desnivel positivo de 1169 m. Los puntos de interés a lo largo de la ruta incluyen puentes romanos, ermitas, iglesias y vistas de la sierra.
El documento presenta un extracto del texto de Gabriel Miró en el que describe paisajes de la costa alicantina de forma lírica, enfocando diferentes elementos como tierras de labranza, olivos, montes, el mar, etc. y captando sensaciones visuales, táctiles y olfativas. También incluye breves explicaciones sobre algunas palabras del texto y un apoyo léxico.
O documento relata investimentos do Governo do Estado de São Paulo em Guarujá, incluindo a inauguração de 51 leitos no Hospital Emílio Ribas II, R$ 1,5 milhão para obras de drenagem na Avenida Brasil, e a implantação de um Restaurante Popular Bom Prato no município.
Este documento recuerda a la familia Flores y sus tradiciones, incluyendo celebrar el 10 de Mayo y otros festejos con serenatas y grandes comidas. También honra la memoria de los miembros de la familia que han fallecido pero que viven en los corazones de los demás.
Paulo Freire (1921-1997) foi um educador brasileiro que desenvolveu uma pedagogia progressista baseada no diálogo e na conscientização crítica. Sua obra principal, Pedagogia do Oprimido (1968), defende que a educação deve libertar as pessoas da opressão através do diálogo entre professor e aluno. O documento descreve a vida e obra de Freire, incluindo suas principais influências filosóficas e seus encontros com pessoas ao redor do mundo que inspiraram seu trabalho.
O documento fornece dicas e curiosidades sobre o jogo Halo Reach, descrevendo as principais armas humanas e covenant, bem como os membros da Equipe Noble e suas características. As armas são classificadas de acordo com sua taxa de fogo, dano, alcance e outras métricas. A equipe Noble é apresentada com seus papéis, armas favoritas e citações.
Este documento es un homenaje a Carme Raichs de parte de un grupo de personas que la aprecian. Consiste en una introducción y una serie de poemas escritos por diferentes personas que han participado en el Taller de Poesía dirigido por Carme Raichs. Los poemas expresan su admiración y agradecimiento por la enseñanza y guía que les ha brindado Carme a lo largo de los años.
O documento lista os nomes e números de identificação de 5 estudantes e fornece informações sobre sistemas de gerenciamento de cadeia de suprimentos, estoque, clientes e outros processos de negócios.
Malaysia is looking to grow its derivatives market and become more integrated in the global financial system. The derivatives market in Malaysia is centered around Bursa Malaysia Derivatives, which is a subsidiary of the Bursa Malaysia stock exchange. Activity and foreign participation in the Malaysian derivatives market has been increasing in recent years, supported by initiatives like partnerships with international exchanges and the introduction of new derivatives products. Bursa Malaysia Derivatives is working to further develop the market through initiatives aimed at attracting more investors and market participants.
The real estate industry is one of the biggest sources of income globally. It has gained a
reputation of creating wealth like no other instrument. Worldwide, real estate revenues have
risen meteorically over the decades. Growing world cities have become hubs for high value real
estate.
This document discusses foreign direct investment (FDI) in India's retail sector. It notes that while organized retail makes up only 2% of India's retail sector currently, it is growing rapidly at 40% annually. Retail employs about 8% of India's workforce, or nearly 4 million people, predominantly in small unorganized stores. Allowing FDI in retail has sparked debate as it could impact these many livelihoods. The document examines similarities and differences in retail structure between India and other developing economies in Asia to understand the implications of FDI for India's large unorganized retail workforce.
1) The retail sector in India is dominated by unorganized small shops and stores that employ millions of people. Organized retail makes up only 2% of the sector.
2) Retailing has become a source of "forced employment" for many in India due to lack of opportunities in other sectors like agriculture and manufacturing. Many small retailers operate at a marginal level out of necessity rather than choice.
3) Allowing foreign direct investment in multi-brand retail risks displacing millions of small retailers and jobs. Large foreign retailers like Walmart could rapidly capture market share using predatory pricing strategies, outcompeting Indian retailers.
The document compares India and China's economic growth and foreign direct investment (FDI) trends. It finds that while China has had higher growth rates and FDI inflows, India is growing rapidly in software, services and other sectors. To attract more FDI, India needs to improve infrastructure and reduce bureaucracy, while China should strengthen financial systems and consult foreign investors. Both countries show potential for continued economic expansion.
Doing Business In India - IMaCS Virtus Global PartnersIVG Partners
Doing Business in India: Strategic & Practical Considerations
Using a strategic framework to manage the challenges of business structuring, due diligence will help companies and funds create a robust India investment roadmap
A Echeverria Channel Focus Segmentation And Coverage Models 4 SlideshareAndré Echeverria
Here are the top 3 accounts based on the weighted parameters:
1. PETROBRAS - Highest loyalty level and largest contract values and historical spending. Clear top priority account.
2. EMBRATEL - Second highest loyalty level and above average contract values and historical spending. A core priority account.
3. GRUPO TELEFONICA - Second highest contract values and spending but lower loyalty level than top two. Still a priority account but perhaps slightly lower focus than the top two.
A presentation on the growth of modern India, the challenges that remain for the country, and how westerners can best communicate effectively in a business context
Selling Services To Brazil October 18, 2012James Locke
Often overseen, the importance of trade in services is crucial. Brazil\'s economy is growing, and with that the need for qualified people and services.
Doing Business In India - Virtus Global Partnersguest8ef478
This document provides an overview and strategic considerations for doing business in India. It discusses leveraging India's sustainable advantages like a large consumer market and educated workforce. It outlines a three stage process for creating an India entry strategy involving market research, organization design, and implementation. Key risks like regulatory compliance and cultural differences are also addressed. Several high growth industries in India like IT, infrastructure, retail, and healthcare are highlighted with estimates of market potential and foreign investment levels. Recent policy reforms to liberalize foreign investment are noted. In conclusion, India presents many opportunities for international companies given its strong economic growth outlook and improving business environment.
Gujarat is a favored destination for investment in India for several reasons:
1) It has a strategic location on India's west coast providing access to major domestic and international markets.
2) Gujarat has a strong economy, accounting for a large percentage of India's GDP, exports, and industrial sectors. It has experienced steady GDP growth in recent years.
3) The state has excellent infrastructure including ports, airports, roads, rail networks, power supply, telecommunications, and a statewide gas grid to support industries.
Gujarat is a leading investment destination in India with a strong economy and steady GDP growth. The state has experienced high levels of foreign direct investment, especially in sectors like services, hardware/software, and real estate. Gujarat offers strategic location, excellent infrastructure, supportive government initiatives and opportunities across industries like chemicals and petrochemicals, engineering, ports and more to attract investment.
Presentation on "IndEcoSocial Framework" delivered by Dr. Pallavi Mody & Dr. Anil Vaidya at Asia Competitiveness Forum 2012 in Thought Leadership Track
A presentation to symbiosis institute of international businessKunal Jamuar
This presentation discusses media research in India. It provides an overview of how media consumption is measured in India through research on print, television, radio, and how media planners use the data. The size and growth of the Indian advertising market is presented, showing it is the 12th largest globally and the 4th fastest growing market. Different media types and their measurability are mapped. Key terms for media research are defined.
The document discusses transforming India through education and vocational training. It outlines the purpose of education and focuses on areas like vocational education and training, governance, the economy, and employment generation. It notes India's high dropout rates, low literacy rates compared to countries like China, and emphasizes the need to focus on vocational skills training to generate employment and improve productivity. The document concludes by discussing eLearning and its potential role in improving access to education.
Doing Business in Brazil: an Introduction
Brazil’s Significance
Key Economic Indicators
Foreign Trade
Internet Usage
Doing Business in Brazil
Political & Business Environment
This document discusses India's policy on foreign direct investment (FDI). It outlines the philosophy behind attracting long-term foreign capital to supplement domestic investment efforts. FDI is recognized as a key driver of economic growth. Large scale economic reforms have created an attractive investment destination in India. The document provides statistics on global and regional FDI trends. It highlights sectors targeted for FDI inflows and incentives provided. Key economic indicators of India that make it an ideal investment destination are also noted.
The World 2050 Beyond the BRICs: A broader look at emerging market growth pro...PARIS
In the words of the report’s joint authors John Hawksworth and Gordon Cookson: "The general message is that investors with long-time horizons should look beyond the BRICs — there are many other alternatives worth considering depending on the nature of the investment and the risk tolerance of the investor."
Some of the highlighted projections of this latest analysis:
* By 2050, the E7 emerging economies will be around 50% larger than the current G7 (US, Japan, Germany, UK, France, Italy and Canada)
* China is expected to overtake the US as the largest economy in around 2025
* India has the potential to nearly catch up with the US by 2050
* The projected list of fastest growing economies to 2050 is headed by Vietnam, and the top 10 includes Nigeria, Philippines, Egypt and Bangladesh.
http://www.pwc.com/Extweb/pwcpublications.nsf/docid/146E4E4D52487154852573FA0058A179
Decision Fuel MRMW Presentation & Case Studies Jan2013Pohchin Loh
Last week Co-Founder Patrick Corr spoke on mobile research becoming more mainstream at the MRMW conference in Malaysia. Case studies on hot beverage consumption behavior, consumer sentiment regarding the KFC scandal in China, and mobile usage in Asia highlight some of mobile's advantages in consumer research - "in-the-moment" capabilities, fast (<24 hour) turnaround, and accessibility.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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Upanishads summary with explanations of each upnishad
India Banking & Finance Industry
1. India Banking & Finance Industry
Benjamin Weber
Institute of Management Technology Nagpur
October 17, 2011
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 1 / 12
2. Facts I
Well-organised and regulated financial industry.
A strong banking sector is needed to power economical
growth.
42% of rural population in India have bank accounts.
Total asset size of Indian banking industry rose from USD 250
billion (March, 2000) to USD 1.3 trillion (March, 2010);
CAGR: 18 % .1
Retail banking sector: 30% CAGR2
ATMs: 70 000 (2010) to 250 000 (2020)3
Structural changes in regulatory frameworks, securisation,
stringent NPA.
1
IBEF, 2011.
2
Chanda Kochhar, ED, ICICI Bank.
3
Boston Consulting Group, 2011.
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 2 / 12
3. Facts II
Pitfalls of growth: home, car, consumer loans.
Primary target & fluffiest segment: upwardly mobile urban
salaried class.
Limit of FDI in private banks has been lifted to 74%, no cap
on voting rights anymore.
Average Tier-1 Capital Adequacy Ration of 10% (Basel III:
8.5%).4
TOP 10 banks accounted for 57% share of total credit (March
31, 2011).5
Loans increased by 19.9%, deposits by 18.4%.
Indian labor force grows faster than population.
Mortgage loan and wealth management will grow 10 times by
2020.6
4
IBEF, 2011.
5
See above.
6
Boston Consulting Group, 2011.
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 3 / 12
4. Facts III
Retail New market areas: Wealth management, private
banking, doorstep banking; housing is expected to
continue to be the biggest growth segment followed
by auto loans. Significant growth can be identified in
areas of electronic banking, credit cards, investment
advisory services.
Corporate Doubling of credit flow to the SME; annual growth of
20% (5Y period, ending by 2011-12).
Micro Increasing economic prosperity in rural areas vs.
fierce competition in urban and metropolitan areas
→ opportunity to cater rural market.
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 4 / 12
5. for more of it. Having moved the needle on almost all Sound performance is complemented by rapid growth
performance metrics in the last decade, the Indian that supports India’s GDP expansion. At the current rate,
banking industry stands out for its relatively robust the Indian banking industry will be the world’s third–
balance sheet and sound performance. As shown in largest by 2025, as shown in Exhibit 1b. This increasing
Indian Banking Industry at a Glance
Exhibit 1a. Indian banking: Sound health and balanced performance
Return on equity (%) Cost: Income ratio (%) Valuation (P–BV) Bad debt1 to assets ratio
Return on Cost to Price / book Bad debt to
Country Country Country Country
equity income ratio ratio assets ratio
Turkey 19.6% Indonesia 79.3% Indonesia 3.6 Russia 2.4%
Indonesia 17.8% Germany 75.1% Malaysia 2.3 Indonesia 2.0%
Malaysia 17.4% France 73.1% Canada 2.0 Turkey 1.3%
China 16.7% Canada 65.7% Russia 2.0 USA 1.2%
India 15.3% USA 65.4% Thailand 1.9 China 0.9%
Singapore 14.6% Russia 59.4% India 1.8 Spain 0.7%
Australia 14.0% Thailand 56.7% China 1.7 South Korea 0.6%
Canada 12.4% Australia 55.6% Australia 1.6 India 0.6%
South Korea 10.1% Malaysia 54.6% Turkey 1.5 Singapore 0.5%
Spain 8.2% India 47.3% Singapore 1.4 Thailand 0.4%
Russia 7.9% South Korea 46.5% South Korea 0.9 Malaysia 0.4%
Thailand 6.9% Spain 42.1% USA 0.8 Germany 0.4%
France 4.0% Turkey 41.9% Spain 0.8 Australia 0.4%
USA 2.7% China 40.4% France 0.5 Canada 0.3%
Germany –0.8% Singapore 40.1% Germany 0.3 France 0.2%
Sources: OECD; IBA data; Turkish Banking Association; Central Banks of Malaysia, Singapore, Thailand and Indonesia; Thomson Reuters Datastream;
BCG analysis.
Note: Weighted averages over the years 2007 to 2009. Indian data for a year corresponds to year ending in March (e.g. April 2009 to March 2010 corresponds
to year 2009). For other countries the data corresponds to the calendar years. The valuation data is for the calendar year 2010.
1
The bad debt charged to P&L as a percentage of assets.
B F S P: R E I B
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 5 / 12
6. Will Exhibit 1b.#3 by 2025? worlds 3rd largest by 2025
it be Indian Banking will be
Sources: EIU country data; OECD; IBA data; BCG analysis.
significance and influence comes with a higher level of reasonable interest margins and serving high cost, high
responsibility towards the real economy. The global risk customers that are on national priority.
Benjamin Weber
banking crisis has highlighted the perils of irresponsible Institute of Management Technology Nagpur
India Banking with the real economy footing the bill for banks’
banking, & Finance Industry 6 / 12
7. MARKET OVERVIEW
Banking November 2010
Structure of Banking Industry system
Structure of the Indian banking
Reserve Bank of India
Banks Financial institutions
Scheduled Cooperative
All-India financial State-level Other
Commercial credit
institutions institutions institutions
Banks (SCBs) institutions
Regional rural Urban Rural cooperative
Public sector Private sector Foreign banks
banks (RRB) cooperative credit institutions
banks (27) banks (22) (32)
(82) banks (1,674) (96,751)
Source:“Report on trend and trend ofand progress ofRBI website, www.rbi.org.in, accessed 30 November 2010
Source: Report on progress banking in India 2009–10”, banking in India 200910, RBI website,
www.rbi.org.in.
9
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 7 / 12
8. MARKET OVERVIEW
Banking November 2010
Structural Change
Market analysis … (1/3)
There has been a gradual shift in business from public to private and foreign banks.
Market share by assets (2002–03) Market share by assets (2009–2010)
7% 7.2%
17% Public banks 19.1% Public banks
Private banks Gradual
Private banks
shift
Foreign banks 73.7% Foreign banks
76%
Source:banking systemtrend and progress of banking in Indiabanks (SCBs) withwebsite,
• The Report on in India is dominated by scheduled commercial 200910, RBI a pan-India
www.rbi.org.in. March 2010, SCBs controlled most of the assets, with the rest being controlled by a large
presence. As of
number of small cooperative credit institutions with a very limited geographic reach.
• Within SCBs, public sector banks accounted for 73.7 per cent of the assets and the rest was held by
foreign banks and private sector banks.
Source: “Report on trend and progress of banking in India 2009–10”, RBI website, www.rbi.org.in, accessed 30 November 2010
Benjamin Weber 6 Institute of Management Technology Nagpur
India Banking & Finance Industry 8 / 12
9. banks to differentiate themselves, to improve customer captures how the face of Indian banking will change during
service, to generate new leads for sales, and to reduce the next decade. It shows the percentage composition of
costs. The productivity survey revealed that many banks transaction volumes by channel in 2003, 2010, and as
may not be ready to harness this opportunity. projected for 2020. Cash and cheque, which dominate the
The Exhibit 3a. fundamental change?
most Banking will not be the same
Transaction profile of India is expected to dramatically change
POS payment by mobile
P2P remittance / transfer
100 Bill and utility payments
9 13 Ticket bookings
Mobile top-ups
13 Insurance premiums
80
21 Shopping on mobile
7
42 Government payouts
7
60 14 Cash management
instructions (business)
6
94 Mobile other
40 45
Mobile POS
32 Online
49 POS (card)
20
ATM cards
16 13 Call centre
0 Cash and cheque
2003 2010 2020 (base) 2020 (optimistic)
~30% financial ~45% Financial ~65% financial ~80% financial inclusion
inclusion inclusion inclusion Adoption of Aadhar and direct credit of subsidy
Regulations to encourage mobile transactions
Sources: FIBAC Productivity Survey 2011; RBI reports; Central banks of Germany, Rigorous implementation of DTC1 and GST2
US and South Korea; World Bank population data; “The Mobile Financial Channel innovations by banks
Services Development Report” by World Economic forum in collaboration with Promotion of low cost NPCI interbank switch (RuPay)
BCG; BCG analysis. Adoption of smart phone technology and 3G
1
Direct tax code.
2
Goods and services tax.
T B C G
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 9 / 12
10. economies. Unlike many developed economies, this of Indian commercial banks as on March 31, 2011.
charge has not increased significantly post crisis. Control Corporate and institutional credit, which accounts for
over bad debt indeed appears to be one of key successes more than 50 percent of the credit, is the lowest risk
of the industry and its regulators. A disaggregated and segment followed closely by home loans. Unsecured
NPAExhibit 6a. NPA profile of Indiaindicator
Ratio as quality Banking
Category wise NPA
Sources: FICCI IBA Productivity Survey 2011; BCG analysis.
Note: Asset Finance = Construction equipment, commercial vehicles; Loan against security = Loan against jewels, deposits, shares, etc.
B F S P: R E I B
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 10 / 12
11. Exhibit 1e. Bank systems with lower opex ◊ Rising interest rates im
tend OPEX → lower
Profitability: Lower to operate at lower NIMs NIM due to Mark–to–Marke
book. Productivity en
for such loss of profitab
ROE.
◊ The specter of econom
looms large in the ba
inevitable in such an e
already being seen in
management is crucial
such a scenario.
◊ Improving the efficacy
mechanism is crucial
inflation. As such, a dis
on the possibility of d
(SB) interest rate. It
deregulated, SB intere
Sources: OECD data; IBA data; Austin Bank – Brazil; Turkish Banking
Association; Central Banks of Malaysia, Singapore, Thailand and competition. Exhibit 1f
Indonesia; BCG analysis. SB rate increases on t
Note: Weighted averages over the years 2005 to 2009. Indian data
for a year corresponds to year ending in March (e.g. April 2009 to percent increase in SB
March 2010 corresponds to year 2009). For other countries the data the customers, the RO
corresponds to the calendar years.
percent. Given the low
Benjamin Weber Institute of Management Technology Nagpur
the industry to set high aspirations on composite metrics Exhibit 1f. SB rate d
of productivity. Such composite metrics have to
India Banking & Finance Industry 11 / 12
12. Challenges?
1. Branch sales and service excellence
2. New channel excellence
3. Lean operations and operating model
4. Highperformance organization
5. Bad debt management: proactive, preemptive, and preventive
Benjamin Weber Institute of Management Technology Nagpur
India Banking & Finance Industry 12 / 12