The document provides information about the Kangra Central Cooperative Bank Ltd. It discusses the bank's history, leadership, financial position, functions, vision, mission, and SWOT analysis. Some key points:
- The bank was established in 1920 and has expanded to over 50 branches across 3 districts of Himachal Pradesh.
- As of 2012, the bank had over Rs. 500 crore in deposits and Rs. 300 crore in investments.
- The bank's vision is to be a top-class financial institution and its mission is sustained growth, fulfilling social obligations, and using new technologies.
- A SWOT analysis finds strengths in trusted brand name and customer-friendly staff while weaknesses include
Meaning, Features of RRBs, Objectives of Regional Rural Banks, Formation and Development of Regional Rural Banks, Reform process of RRBs, For Development/ Promotion/ & Effectiveness of RRBs., Working of RRBs, Functions of RRBs, Structure of Rural Credit
100 marks topics for banking and insurance projectsbanking-insurance
Complete topics for 100 marks project for banking and insurance
http://www.managementparadise.com/forums/banking-insurance-final-100-marks-projects/16283-topics-100-marks-project-banking-insurance.html
Meaning, Features of RRBs, Objectives of Regional Rural Banks, Formation and Development of Regional Rural Banks, Reform process of RRBs, For Development/ Promotion/ & Effectiveness of RRBs., Working of RRBs, Functions of RRBs, Structure of Rural Credit
100 marks topics for banking and insurance projectsbanking-insurance
Complete topics for 100 marks project for banking and insurance
http://www.managementparadise.com/forums/banking-insurance-final-100-marks-projects/16283-topics-100-marks-project-banking-insurance.html
Consumer behaviour towards co-op banks-project reportAtul Gurav
Research topic assigned to our group as a part of Marketing Research Project
was “Customer Behaviour towards Co-operative Banks”. The objective of our
study was to understand customer behaviour as well as to understand whether
they are aware about the services and facilities offered by the Co-operative
Banks. The survey we conducted was confined to Karjat area, we reffered to
Five Co-operative banks and our sample size was 80.
Methodology used was Primary as well Secondary data. Type of study we
implemented was Exploratory as well as descriptive study. As per the Research
findings, many of the Respondents prefer co-operative banks over Nationalised
banks due to higher interest rate on deposits, preference given to local and
friendly approach of the bank towards their customers.So this clearly proves our
hypothesis is true.
Various Suggestion are provided in the report like Bringing awareness in the
housewives as they drive the family, to start with the internet and mobile
banking facility, etc. There were even several limitations to our study we
conducted like Time constraints , area , respondents, language barrier, genuinity
of information, insecurity towards providing personal information like phone
number , name and address.
This ppt is all about the world trade organization, Its Role, its existence and all its functions, It also includes the structure of WTO.So kindly go through it and comment below how u liked it.
Axis Bank marketing strategy presentation submitted as part of group assignment on Marketing Strategy by our SMP09 group. Presentation submitted to Prof. Ramanuj Majumdar, IIMC Kolkata.
Services Marketing has different service sectors. And Banking is one of them. This is a presentation which includes all the necessary information about a banking service and the extended marketing mix, i.e. 7 P's.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
2. introdUction
• Banking occupies one of the most important positions in
the modern economic world.
“A bank is an establishment which makes to individuals
such advances of money as may be required and safely
made, and to which individuals entrust money when not
required by them for use.”
“A bank is a manufacture of credit and a machine for
facilitating exchange.”
3. company history
•Came into existence on 17th march 1920 (license no.
Rpcd.09/2009-10).
•Poineeer banking institution catering needs of public and
co-op societies in Kangra ,Kullu and Lahaul Spiti.
•Indora banking union was merged and 2nd branch of the
bank opened at Nurpur in jan’1956
•Palampur banking union was merged and 3rd branch of the
bank opened at Palampur in jan’1957
•4th branch of the bank opened at Hamirpur in oct’1958
•The bank suffered losses because of the partition in 1947
to the tune of rs.10.64 lacs.
4. • In March 1962, the bank suffering from the setback of
partition was granted Rs.4.09 Lacs by the Govt.
• Govt. also provided Interest Free Relief Loan of Rs.3.98 Lacs
and Govt. of India Loan of Rs.4.97 Lacs @ 3.87% in 1962 In
1971-72
• The Bank entered into the deposit mobilization scheme of
Pong Dam Area aggressively and secured maximum share of
Deposit Bank Deposits increased from Rs. 256 Lacs in 1971-
72 to Rs. 1054 Lacs in 1973-74.
contd.
5. company profile
• Leading co-operative bank in North- INDIA.
• Head office situated in Dharmshala.
• Name Designation
Mr. Jagdish Sepahia Chairman
Mr. Karan Singh Pathania Vice- Chairman
Mr. C. paulrasu Managing Director
• Bank has tie- ups with Axis, HDFC and ICICI Bank and also
with Maruti Udyog Ltd.
6. VISION
To emerge as the most trusted, admired, sought after world
class financial institution, and to be the most preferred
destination for every customer and investor and a place of
pride for its employees.
7. MISSION
To be a top- class Bank of its class to achieve sustained
growth of Business and Profitability, fulfilling socio-economic
obligations, excellence in customer service, through up
gradation of skills of staff, their effective participation and
making use of state-of-the–art – technology.
8. FINaNcIal POSItION aS ON 31St
March 2012
Figures in Lacs
Share Capital 210.22
Funds 55991.25
Deposits 520067.41
Investment 327835.94
Loan 242158.32
Profit 2926.82
Working Capital 625966.00
9. POtENtIal OF BaNK
• Banking occupies one of the most important positions in the
modern economic world.
• Bank meets the credit requirements of the farmers through
term loans, viz., short, medium and long term loans.
• Bank is about to tie-up with National Insurance Company
Limited and Kotak Mahindra, Old Mutual Life Insurance
Limited.
• For financing Automobiles bank will sign an MOU with Hero
Honda and Tata Motors.
10. BaNKING FUNctIONS
1. Accepting deposits:
a). Fixed or time deposit account
b). Current or demand deposit account
c). Saving deposit account
d). Recurring deposits account
2. Advancing Loans:
a). Home loans
b). Education loan
c). CAR loan / two wheeler loan
d). Property loan scheme
11. e). Loan against property.
f). Loan for Agriculture and allied activities
g). Kisan Credit Card
3. Other functions:
a). Collection and payment of various charges.
b). Locker facilities .
c). Issuing DDs and Pay Order.
12. Learning from project
• The process of bank related transaction, bank related
various terms, work environment of KCC Bank.
• Different techniques of dealing with the customers.
• How banks help in promoting capital formation and
accelerating the rate of economic development.
• How to deal and communicate with those customers who
are from rural areas.
13. swot anaLysis
Strengths:
• Trusted brand name
among its customers.
• Various schemes for
small scale industries and
agricultural societies.
• Higher interest rates than
othrs.
Weakness:
• Lack of technical
awareness among staff.
14. .
Opportunities:
• Banking is growing
industry, hence KCC
Bank has good
opportunity to make itself
leading co-operative
bank.
Threats:
• There are various public
sector and private sector
banks which are market
leaders in banking
industry.
15. swot anaLysis
Strengths:
• Higher interest rates than
other banks
• Customers friendly staff.
• Strong base in rural
areas.
Weakness:
• Customers are not fully
aware of various services
provided by the bank
16. .
Opportunities:
• In INDIA people related to
agriculture and small
scale industries need
more finance and
services related, so it is
an opportunity for bank to
grow.
• Mainly concentrated in
three districts of
Himachal, so it can
expand its branches to
other districts.
Threats:
• Competition among banks
is main threat for the
bank.
17. SuggeStionS
• More awareness has to be created regarding the products
offered by K.C.C Bank. The customers are not aware of all
the products offered to them and the facilities provided. So it
is suggested that pamphlets should be sent to customers to
make them aware about the latest policies and schemes.
• Facilities like Income Tax certificate should be sent to the
customers by post. This facility is only available to outstation
customers only.
• The documentation process for taking a loan should be short
and simple.
18. .
• New loan schemes should be introduced to fulfill the needs of
the weaker sections of the society.
• To develop Express DD counters at various branches from
where Demand Drafts can be purchased without any waiting
time.
• To open & develop NO HOLIDAY branches to extend the
business hours for public transactions during 365 days in a
year.
• Proper guidance should be given regarding latest policies of
K.C.C BANK.