This is one of the best Study Cases my ASEM (Moldova) Business English students have created so far - this one is done by Cristina Vornic, a freshman from the Banking and Finance Department
hello guys!
this is small presentation on the topic ancilllary services offered by bank hope u find it usefull. It comprises of various services inland and overseas offered by the banker.
This document provides information about group members, banks, commercial banks, types of accounts, banker's funds, banker's capital, reserve funds, liquid assets, types of deposits, and fixed or term deposits. It lists six group members and discusses what a bank is, how commercial banks operate, various types of accounts offered including current, basic banking, freedom, and profit and loss sharing accounts. It also outlines the sources that make up banker's funds, including capital, reserve funds, liquid assets, and deposits.
This document describes the leasing of bank guarantees and standby letters of credit. It states that while these financial instruments cannot physically be leased, it is possible to effectively import them through collateral transfer agreements where a provider pledges assets to issue the guarantee. The document provides details on the transaction process, fees, and documentation required. It clarifies that these transactions involve collateral transfer rather than an actual lease, and warns against purchases of guarantees which are not possible.
A savings account is meant for individuals to encourage savings and has restrictions on withdrawals. An individual can open a savings account by providing their photograph, address, and introduction from another account holder subject to KYC procedures. Exceptions allow opening an account against an electricity bill or with neighbor introductions in times of calamities. A current account is for commercial or business use and allows unlimited withdrawals depending on the account balance. Fixed deposits are deposits placed for a fixed period from 7 days to 120 months at a higher interest rate than savings accounts. Interest rates are now determined by banks and paid quarterly or longer on the daily balance.
This document provides information about a banking service called HOBS (Home and Office Banking System) that allows customers to manage their bank accounts from home or office. Key features of HOBS include checking account balances and transactions, transferring funds between accounts, paying bills electronically, and a cash management service for businesses. HOBS equipment can be purchased for £95 or supplied free if a £500 minimum balance is maintained. The system allows convenient banking without visiting a bank in person.
hello guys!
this is small presentation on the topic ancilllary services offered by bank hope u find it usefull. It comprises of various services inland and overseas offered by the banker.
This document provides information about group members, banks, commercial banks, types of accounts, banker's funds, banker's capital, reserve funds, liquid assets, types of deposits, and fixed or term deposits. It lists six group members and discusses what a bank is, how commercial banks operate, various types of accounts offered including current, basic banking, freedom, and profit and loss sharing accounts. It also outlines the sources that make up banker's funds, including capital, reserve funds, liquid assets, and deposits.
This document describes the leasing of bank guarantees and standby letters of credit. It states that while these financial instruments cannot physically be leased, it is possible to effectively import them through collateral transfer agreements where a provider pledges assets to issue the guarantee. The document provides details on the transaction process, fees, and documentation required. It clarifies that these transactions involve collateral transfer rather than an actual lease, and warns against purchases of guarantees which are not possible.
A savings account is meant for individuals to encourage savings and has restrictions on withdrawals. An individual can open a savings account by providing their photograph, address, and introduction from another account holder subject to KYC procedures. Exceptions allow opening an account against an electricity bill or with neighbor introductions in times of calamities. A current account is for commercial or business use and allows unlimited withdrawals depending on the account balance. Fixed deposits are deposits placed for a fixed period from 7 days to 120 months at a higher interest rate than savings accounts. Interest rates are now determined by banks and paid quarterly or longer on the daily balance.
This document provides information about a banking service called HOBS (Home and Office Banking System) that allows customers to manage their bank accounts from home or office. Key features of HOBS include checking account balances and transactions, transferring funds between accounts, paying bills electronically, and a cash management service for businesses. HOBS equipment can be purchased for £95 or supplied free if a £500 minimum balance is maintained. The system allows convenient banking without visiting a bank in person.
The document discusses the traditional banking system in India and how it has evolved with technological advances. It covers functions of banks like accepting deposits and lending loans. It also describes various banking services that are now offered digitally like mobile banking, internet banking, ATMs, credit/debit cards which allow banking anytime anywhere. The reforms and use of technology have dramatically changed banks' functioning and increased customer relationships.
The document discusses the different products and services offered by banks. It identifies the main categories as retail banking, trade finance, and treasury operations. It then provides details on specific retail banking services like deposits, loans, remittances, and bookkeeping. It also outlines electronic banking services like ATMs, online and mobile banking, and their benefits of increasing convenience and customer access while reducing costs. Finally, it lists the top 30 banks in the Philippines.
Banks are for-profit institutions that earn money through services like savings accounts and loans, while credit unions are non-profit cooperatives owned by members. Savings accounts provide interest income and have an annual percentage rate typically around 1-2%. Compound interest is better than simple interest since it earns interest on both the principal and accumulated interest over time. Certificates of deposit offer higher interest rates than savings accounts but may charge penalties for early withdrawals. Checking accounts allow purchases, payments and cash withdrawals, while overdraft protection can cover purchases made with insufficient funds for a fee. Proper check writing and endorsement procedures help prevent fraud. Maintaining an accurate check register is important for tracking account balances and transactions.
This document outlines the terms of an agreement between YIYING International Development Limited and S.C. Pangiran Budi Service S.R.L for the purchase of $630 million USD in bank instruments. Key details include:
- YIYING will provide S.C. Pangiran Budi with 3 seasoned cash backed bank drafts totaling $630 million USD, to be paid in three tranches.
- Upon verification of the bank drafts, YIYING's bank (NatWest Bank) will issue a SWIFT MT-799 to transfer 55% of the face value ($190 million, $190 million, $250 million) to S.C
Commercial banks engage in credit creation by accepting primary deposits from customers and using some of those deposits to issue loans and advances, thereby creating derivative deposits. This process of using deposits to issue loans that themselves generate further deposits allows banks to multiply the money supply through the fractional reserve system. As shown through examples of Banks A, B, and C, each new loan issued creates a new deposit, with the amount of deposits and loans growing until reserves become too small to support additional lending.
The document provides information about economics, banking functions, and financial markets. It discusses:
1) The evolution of economics from its origins in political economy to its current definition as a science dealing with allocation of scarce resources. It also discusses microeconomics and macroeconomics.
2) The key functions of commercial banks which include accepting deposits and granting loans. It explains various types of bank accounts and loans.
3) Financial markets which have a capital market including stock exchanges, and a money market for short term debt instruments.
This document provides an overview of banking services available for small businesses. It discusses choosing the right bank, common banking services like checking and savings accounts, additional services like loans and merchant processing, and tips for improving chances of getting a loan. The objectives are to explain small business banking services and how to evaluate options. Key advice includes separating business and personal banking, building relationships with bankers, and taking steps to protect the business from online fraud.
Chapter commercial banks b.v.raghunandan 2SVS College
Commercial banks have primary functions of receiving deposits, lending to the public, and making investments. They receive demand and time deposits, provide overdrafts, loans, and cash credits for lending. For investments, they purchase treasury bills, government bonds, corporate securities, and more. Banks create credit by sanctioning loans and allowing customers to withdraw funds via check.
A bank is a licensed financial institution that receives deposits and makes loans. There are several types of banks including retail banks, commercial banks, and investment banks. A bank customer is a person or entity that maintains an account or has a business relationship with the bank. The main types of bank accounts are savings accounts, fixed deposits, recurring deposits, and current accounts. Savings accounts earn interest and have limits on withdrawals while current accounts are for businesses and allow unlimited transactions but no interest. Opening a bank account requires completing forms, providing identification, making an initial deposit, and receiving account materials from the bank like a passbook or chequebook.
Core banking solutions allow customers to access their bank accounts and conduct transactions from any branch of their bank nationwide. This overcomes previous limitations where customers could only withdraw or deposit at their specific branch location. Internet banking evolved from PC banking and allows customers to manage their accounts online through a bank's website. It provides benefits like 24/7 access and faster processing. Online banking is a type of internet banking that can perform most traditional branch services virtually, like deposits, bill payments and account monitoring.
The document provides information about personal loans, including what a personal loan is, the sources and process for obtaining a personal loan, the various documents required, terms included in the loan contract such as interest rates and repayment schedules, and factors to consider when taking out a personal loan such as annual percentage rates and credit scores.
Banks play a crucial role in international trade by providing financial services and advice. They facilitate various payment methods between importers and exporters, including letters of credit, wire transfers, and banker's drafts. Letters of credit are one of the most widely used payment mechanisms, where the importer's bank provides a letter of credit to the exporter guaranteeing payment upon presentation of shipping documents. The key parties involved in a letter of credit transaction are the applicant/importer, issuing bank, beneficiary/exporter, advising bank, confirming bank, negotiating bank, and reimbursing bank. Banks help reduce risk and ensure secure payment for both parties in international trade transactions.
Deposit Facilities and Banking ServicesHumsi Singh
Deposit facilities and banking services provide various options for customers to deposit and manage their money. Common deposit accounts include savings accounts, current accounts, fixed deposits, and recurring deposits. These accounts have different eligibility criteria, interest rates, and withdrawal restrictions. In addition to accepting deposits, banks offer numerous services like loans, credit/debit cards, money transfers, online/mobile banking, and wealth management for high-net-worth individuals. Regulations aim to ensure banks' stability while allowing them to perform important financial intermediation functions in the economy.
Deposit Facilities and Banking ServicesHumsi Singh
The presentation gives an outlook of various deposit accounts and banking services. The presentation also gives an overview of the basic functions performed by the banks and the provision of their services.
This document discusses substitutes for money that were developed through banks to help solve problems with exchanging money in trading activities. It notes that demand drafts, cheques, and ATM/debit cards serve as new methods of substitutes for money. Demand drafts can be cashed through banks and were given in exchange for remitted money. Cheques allow account holders to withdraw money or pay others instead of using physical money, and the recipient can then cash the cheque through the bank. ATM/debit cards serve as the medium for customers to withdraw money from their accounts through automated teller machines at any time.
Commercial banks create money when they extend loans to customers by adding the amount of the loan to the customer's bank account. When loans are repaid, the equivalent amount of money is destroyed as it is removed from the customer's account. Central banks also create money by increasing commercial bank reserves through open market operations like securities purchases. Money can be transferred between bank accounts through cash payments or by adjusting balances in central bank reserve accounts. The amount of money in circulation is primarily determined by the lending and repayment activities of commercial banks.
The document discusses the various types of relationships that exist between a banker and a customer. It outlines the different types of transactions such as deposits, loans, cheque collection, standing instructions, purchase of demand drafts/money transfers, safe custody of articles, and safe deposit lockers. For each transaction type, it explains the nature of the legal relationship between the banker and the customer, such as debtor-creditor, creditor-debtor, agent-principal, bailee-bailor, and lessor-lessee. The document also addresses questions related to closing an undesirable account, limitation period for savings bank accounts, termination of the banker-customer relationship, and rights regarding unsatisfactory accounts.
The document discusses Moldova Agroindbank, the largest commercial bank in Moldova. It highlights the bank's leadership, innovation, and growth. Specifically, it summarizes that Moldova Agroindbank has received several awards for being the most sustainable bank in Moldova, has one of the largest branch networks in the country, and offers customers convenient online banking services. It also provides details on the various financial products and services offered by the bank, including loans, credit cards, foreign exchange, and brokerage/investment services.
The document summarizes the history and services of EximBank in Moldova. It notes that EximBank was created in 1994 and is now fully owned by the Italian Veneto Banca Group. It provides a range of banking services to individuals and businesses, including deposits, loans, banking cards, and international operations. EximBank has over 34,000 clients and a network of 18 branches and 22 representative offices across Moldova.
The document discusses the traditional banking system in India and how it has evolved with technological advances. It covers functions of banks like accepting deposits and lending loans. It also describes various banking services that are now offered digitally like mobile banking, internet banking, ATMs, credit/debit cards which allow banking anytime anywhere. The reforms and use of technology have dramatically changed banks' functioning and increased customer relationships.
The document discusses the different products and services offered by banks. It identifies the main categories as retail banking, trade finance, and treasury operations. It then provides details on specific retail banking services like deposits, loans, remittances, and bookkeeping. It also outlines electronic banking services like ATMs, online and mobile banking, and their benefits of increasing convenience and customer access while reducing costs. Finally, it lists the top 30 banks in the Philippines.
Banks are for-profit institutions that earn money through services like savings accounts and loans, while credit unions are non-profit cooperatives owned by members. Savings accounts provide interest income and have an annual percentage rate typically around 1-2%. Compound interest is better than simple interest since it earns interest on both the principal and accumulated interest over time. Certificates of deposit offer higher interest rates than savings accounts but may charge penalties for early withdrawals. Checking accounts allow purchases, payments and cash withdrawals, while overdraft protection can cover purchases made with insufficient funds for a fee. Proper check writing and endorsement procedures help prevent fraud. Maintaining an accurate check register is important for tracking account balances and transactions.
This document outlines the terms of an agreement between YIYING International Development Limited and S.C. Pangiran Budi Service S.R.L for the purchase of $630 million USD in bank instruments. Key details include:
- YIYING will provide S.C. Pangiran Budi with 3 seasoned cash backed bank drafts totaling $630 million USD, to be paid in three tranches.
- Upon verification of the bank drafts, YIYING's bank (NatWest Bank) will issue a SWIFT MT-799 to transfer 55% of the face value ($190 million, $190 million, $250 million) to S.C
Commercial banks engage in credit creation by accepting primary deposits from customers and using some of those deposits to issue loans and advances, thereby creating derivative deposits. This process of using deposits to issue loans that themselves generate further deposits allows banks to multiply the money supply through the fractional reserve system. As shown through examples of Banks A, B, and C, each new loan issued creates a new deposit, with the amount of deposits and loans growing until reserves become too small to support additional lending.
The document provides information about economics, banking functions, and financial markets. It discusses:
1) The evolution of economics from its origins in political economy to its current definition as a science dealing with allocation of scarce resources. It also discusses microeconomics and macroeconomics.
2) The key functions of commercial banks which include accepting deposits and granting loans. It explains various types of bank accounts and loans.
3) Financial markets which have a capital market including stock exchanges, and a money market for short term debt instruments.
This document provides an overview of banking services available for small businesses. It discusses choosing the right bank, common banking services like checking and savings accounts, additional services like loans and merchant processing, and tips for improving chances of getting a loan. The objectives are to explain small business banking services and how to evaluate options. Key advice includes separating business and personal banking, building relationships with bankers, and taking steps to protect the business from online fraud.
Chapter commercial banks b.v.raghunandan 2SVS College
Commercial banks have primary functions of receiving deposits, lending to the public, and making investments. They receive demand and time deposits, provide overdrafts, loans, and cash credits for lending. For investments, they purchase treasury bills, government bonds, corporate securities, and more. Banks create credit by sanctioning loans and allowing customers to withdraw funds via check.
A bank is a licensed financial institution that receives deposits and makes loans. There are several types of banks including retail banks, commercial banks, and investment banks. A bank customer is a person or entity that maintains an account or has a business relationship with the bank. The main types of bank accounts are savings accounts, fixed deposits, recurring deposits, and current accounts. Savings accounts earn interest and have limits on withdrawals while current accounts are for businesses and allow unlimited transactions but no interest. Opening a bank account requires completing forms, providing identification, making an initial deposit, and receiving account materials from the bank like a passbook or chequebook.
Core banking solutions allow customers to access their bank accounts and conduct transactions from any branch of their bank nationwide. This overcomes previous limitations where customers could only withdraw or deposit at their specific branch location. Internet banking evolved from PC banking and allows customers to manage their accounts online through a bank's website. It provides benefits like 24/7 access and faster processing. Online banking is a type of internet banking that can perform most traditional branch services virtually, like deposits, bill payments and account monitoring.
The document provides information about personal loans, including what a personal loan is, the sources and process for obtaining a personal loan, the various documents required, terms included in the loan contract such as interest rates and repayment schedules, and factors to consider when taking out a personal loan such as annual percentage rates and credit scores.
Banks play a crucial role in international trade by providing financial services and advice. They facilitate various payment methods between importers and exporters, including letters of credit, wire transfers, and banker's drafts. Letters of credit are one of the most widely used payment mechanisms, where the importer's bank provides a letter of credit to the exporter guaranteeing payment upon presentation of shipping documents. The key parties involved in a letter of credit transaction are the applicant/importer, issuing bank, beneficiary/exporter, advising bank, confirming bank, negotiating bank, and reimbursing bank. Banks help reduce risk and ensure secure payment for both parties in international trade transactions.
Deposit Facilities and Banking ServicesHumsi Singh
Deposit facilities and banking services provide various options for customers to deposit and manage their money. Common deposit accounts include savings accounts, current accounts, fixed deposits, and recurring deposits. These accounts have different eligibility criteria, interest rates, and withdrawal restrictions. In addition to accepting deposits, banks offer numerous services like loans, credit/debit cards, money transfers, online/mobile banking, and wealth management for high-net-worth individuals. Regulations aim to ensure banks' stability while allowing them to perform important financial intermediation functions in the economy.
Deposit Facilities and Banking ServicesHumsi Singh
The presentation gives an outlook of various deposit accounts and banking services. The presentation also gives an overview of the basic functions performed by the banks and the provision of their services.
This document discusses substitutes for money that were developed through banks to help solve problems with exchanging money in trading activities. It notes that demand drafts, cheques, and ATM/debit cards serve as new methods of substitutes for money. Demand drafts can be cashed through banks and were given in exchange for remitted money. Cheques allow account holders to withdraw money or pay others instead of using physical money, and the recipient can then cash the cheque through the bank. ATM/debit cards serve as the medium for customers to withdraw money from their accounts through automated teller machines at any time.
Commercial banks create money when they extend loans to customers by adding the amount of the loan to the customer's bank account. When loans are repaid, the equivalent amount of money is destroyed as it is removed from the customer's account. Central banks also create money by increasing commercial bank reserves through open market operations like securities purchases. Money can be transferred between bank accounts through cash payments or by adjusting balances in central bank reserve accounts. The amount of money in circulation is primarily determined by the lending and repayment activities of commercial banks.
The document discusses the various types of relationships that exist between a banker and a customer. It outlines the different types of transactions such as deposits, loans, cheque collection, standing instructions, purchase of demand drafts/money transfers, safe custody of articles, and safe deposit lockers. For each transaction type, it explains the nature of the legal relationship between the banker and the customer, such as debtor-creditor, creditor-debtor, agent-principal, bailee-bailor, and lessor-lessee. The document also addresses questions related to closing an undesirable account, limitation period for savings bank accounts, termination of the banker-customer relationship, and rights regarding unsatisfactory accounts.
The document discusses Moldova Agroindbank, the largest commercial bank in Moldova. It highlights the bank's leadership, innovation, and growth. Specifically, it summarizes that Moldova Agroindbank has received several awards for being the most sustainable bank in Moldova, has one of the largest branch networks in the country, and offers customers convenient online banking services. It also provides details on the various financial products and services offered by the bank, including loans, credit cards, foreign exchange, and brokerage/investment services.
The document summarizes the history and services of EximBank in Moldova. It notes that EximBank was created in 1994 and is now fully owned by the Italian Veneto Banca Group. It provides a range of banking services to individuals and businesses, including deposits, loans, banking cards, and international operations. EximBank has over 34,000 clients and a network of 18 branches and 22 representative offices across Moldova.
This document provides an overview of retail banking. It discusses the history and objective of retail banking, which aims to provide customers with a full range of financial products and services. The future of retail banking globally is also examined, with retail credit expected to significantly increase. Retail banking is characterized by multiple products, distribution channels, and customer groups. Products offered by HDFC Bank are outlined, such as car loans, personal loans, two-wheeler loans, and loan against securities. Some innovative retail banking products are also mentioned. The risks involved in retail banking and advantages are summarized.
Zvilo aims to become the first major challenger bank in the Balkans by offering digital financial solutions and disrupting outdated banking. They plan to focus on countries like Kosovo, Albania, North Macedonia, and more. Zvilo sees an opportunity due to high banking fees, poor user experience from incumbents, and a large unbanked population. Their strategy is to partner with retailers to offer supply chain financing and promote consumer banking to access customers. Financial projections show growing revenue streams from supply chain financing, consumer banking, money transfers, and interchange fees to reach over €66 million in revenue by year five.
This document outlines several private placement and investment programs with varying minimum investment amounts from $10 million to $100 billion. The programs offer daily, weekly, or monthly returns ranging from 25% to 100% over periods of 10 days to 40 weeks. The capital remains with major European banks and is used to trade various financial instruments while remaining secure. Documentation like bank statements, letters of credit, and signed agreements are required to participate.
The document defines banking business and banks according to Malaysian law. Under the Banking and Financial Institutions Act of 1989, a bank is defined as an entity that carries out banking business, which includes receiving deposits, paying/collecting checks, and providing financing such as lending money, leasing, and purchasing financial instruments. Banks play roles like promoting savings and reasonable interest rates. They provide services like deposits, loans, remittances, and more. Regulations require banks to maintain reserves to control liquidity and credit levels.
The document discusses features of Shariah compliant credit cards offered by various Middle Eastern banks. It outlines traditional credit card features and notes that Shariah compliant credit cards aim to provide similar convenience without interest. Several banks are highlighted as offering Shariah compliant credit cards, including National Commercial Bank, Emirates Islamic Bank, National Bank of Dubai, Saudi Hollandi Bank, and Abu Dhabi Islamic Bank. These cards provide alternatives to conventional credit cards for Muslims and others seeking non-interest products.
Identification of critical success factors in short-term lender companies in ...Bankowicz
The presentation shows the situation on the consumer credit market in Poland with particular emphasis on the participants in the form of loan companies to apply for Polish market big success. Authors analyzed the factors of the success of these companies, trying to guess what attracts them to Poland. They focus on a preliminary analysis of the business model employed by short-term lenders.
Prezentacja przedstawia sytuację na rynku kredytów konsumenckich w Polsce, ze szczególnym uwzględnieniem firm pożyczkowych, które z powodzeniem zaistniały na polskim rynku finansowym. Autorzy przeanalizowali czynniki sukcesu tych firm, starając się odgadnąć, co przyciąga je do Polski. Uwaga została skupiona na wstępnej analizie modeli biznesowych stosowanych przez pożyczkodawców krótkoterminowych .
Bank Al Habib is a Pakistani bank with over 249 branches. It was established in 1991 by Dawood Habib Group and is headquartered in Multan with its principal office in Karachi. The document discusses various banking services provided by Bank Al Habib such as consumer financing including auto loans, home loans, and personal loans. It also discusses commercial financing options like demand finance, cash finance, and running finance provided to businesses.
The document summarizes information about the Credit Guaranty Agency, a non-banking deposit and credit institution established by the Russian government to support small and medium enterprises. The Agency provides bank guarantees to split credit risks and expand SME access to long-term loans. It aims to increase SME lending, develop Russia's national guaranty system, and support over 120,000 new jobs and billions in investments for SMEs by 2019. The Agency offers various guaranty products and has already enabled SMEs to raise over 35 million euros in loans to invest, modernize, and expand operations across multiple industries.
- The bank was established in 1923 with a paid up capital of Rs. 1 lakh and has since expanded to over 2,000 branches across India.
- In the first quarter of 2009-2010, the bank's net profit jumped 230% to Rs. 256 crores and total business grew 26% to Rs. 1,05,280 crores, with strong growth in deposits and retail loans.
- The bank offers a wide range of deposit schemes and loan products for individuals and businesses, and is focused on financial inclusion through programs like its "no-frills" savings account.
Wish Finance has developed a business model to provide loans to small and medium enterprises (SMEs) using alternative data sources. It sources funds from hedge funds and financial institutions to provide loans to SMEs based on an analysis of real-time point-of-sale transaction data, cash flow, past loan performance, and vendor payment history. Repayments are made seamlessly through deductions of 2-5% of customer payments made via point-of-sale terminals. The loans also come with insurance protection against borrower bankruptcy. Wish Finance partners with point-of-sale data providers and insurers in each market to efficiently scale its lending operations across countries.
Payment Due is up
to Rs. 2000
Rs. 400 if Total
Payment Due is
between Rs. 2001
- Rs. 5000
Rs. 600 if Total
Payment Due is
Rs. 5001 or more.
Payment Due is up
to Rs. 2000
Rs. 400 if Total
Payment Due is
between Rs. 2001
- Rs. 5000
Rs. 600 if Total
Payment Due is
Rs. 5001 or more.
Payment Due is up
to Rs. 2000
Rs. 400 if Total
Payment Due is
between Rs. 2001
- Rs. 5000
Rs. 600 if Total
Payment Due is
Rs. 5001 or more.
Syndicate Bank was established in 1925 in Udupi, Karnataka by three visionaries with a capital of Rs.8000 to provide financial assistance to local weavers. It has grown to over 2900 branches across India and internationally. The bank offers various deposit accounts, loan products, and other services. It had over 25,000 employees as of 2013 and continues developing new products to better serve customers while receiving various awards for its initiatives and performance.
This case study summarizes the retail banking products and services of ING Vysya Bank in India. It discusses the bank's smartserv program for personal assistance, various deposit accounts including savings and fixed deposits, loan products like personal loans and home loans, and debit/credit cards. ING Vysya Bank is one of the oldest private banks in India that began operations in 1930 in Bangalore and offers consumers comprehensive financial services.
The document introduces Premier Bank's new Al-Wadiah Premier Savings and Protection Account. Some key features include:
1. It combines the features of a savings account and insurance by providing dividends quarterly and automatically deducting a $50 monthly insurance premium.
2. The account provides insurance coverage of up to $200,000 for accidents and loss of property.
3. To open the account, customers need to be at least 21 years old and deposit a minimum of $500.
(1) The document is a project submitted by Shorya Garg of class XI B to his teacher Vinita Kalra on the topic of banking. (2) It provides definitions and explanations of different types of bank accounts including current accounts, savings accounts, fixed deposits, recurring deposits, and multi-option deposits. (3) It also describes various types of loans and advances offered by banks such as overdrafts, cash credits, loans, and bill discounting.
Marketingfinancialservices 090722204721 Phpapp01GOEL'S WORLD
The document discusses Premier Bank's new Al-Wadiah Premier Savings + Protection Account. The account combines savings and insurance features, paying dividends quarterly. It provides insurance coverage up to SGD200,000 and other benefits like ATM access and no fees. The marketing strategies outlined include advertisements, brochures, and roadshows to promote the new product.
The document discusses Premier Bank's new Al-Wadi'ah Premier Savings + Protection Account, an Islamic banking product that combines savings and insurance. It provides details on the account benefits like quarterly dividends, ATM access, and insurance coverage up to $200,000. Eligibility requires a minimum $500 deposit and being age 21 or above. Marketing strategies to promote the new product include posters, brochures, website content, talks at mosques, and newspaper advertisements.
This document discusses the performance of City Bank Ltd. It provides information on the bank's management team, historical background, functions, digital banking services, products and services including credit cards, debit cards, and Islamic banking facilities. It also summarizes key profitability, financial leverage, operating efficiency, and liquidity ratios for City Bank for 2019 and 2018. In conclusion, it notes that while City Bank has a higher debt ratio, this does not necessarily indicate underperformance and could reflect new projects requiring more capital.
Educația timpurie, Interviul de evaluare a competențelot profesionaleDaniela Munca-Aftenev
Educația timpurie, Interviul de evaluare a competențelot profesionale, Situația didactică, Autor: Zinaida STANCIUC, Doctor în științe ale educației, Grad didactic superior, Metodist
„Managementul clasei de elevi”, Tatiana Lungu. Programul „Integrarea elevilor cu CES: provocări și soluții” https://chisinauedu.md/linkurile-programului-de-instruire-integrarea-copiilor-cu-ces/?fbclid=IwAR3F48LxtzQTK-U9Pf-IA7oYuFuBQlxfC0D6LqdfCZmNJUSpGqgSM92rluk
Facilitarea adaptării în instituțiile de învățământ a copiilor cu vederea sla...Daniela Munca-Aftenev
Facilitarea adaptării în instituțiile de învățământ a copiilor cu vederea slabă, deficiență de auz și deficiențe locomotorii. Lopatiuc Anastasia, psihopedagog Serviciul de asistenţă psihopedagogică, din cadrul CPSP, mun. Chișinău
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the what's app number of my personal pi vendor to trade with.
+12349014282
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...mayaclinic18
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
13. How to determine the term of payment : 1 year Study years+1 year 3 years V 2 years Study years+1 year 5 years IV 3 years Study years+1 year 7 years III 4 years Study years+1 year 9 years II 4 years Study years+1 year 10 years I Payment period Grace period Loan term Study year