www.infosys.com/finacle
The emerging market banks which were plagued by excess regulation and inefficiency a few decades back have finally come into their own and are here to stay.
Emerging market banks have significantly increased in size and importance relative to Western banks in recent years. They now account for around half of global banking industry assets by some measures. The largest emerging market banks are mostly from China and include Industrial and Commercial Bank of China, China Construction Bank, and Bank of China. Other large emerging market banks are from Brazil, Russia, and India. These banks have generally performed well through the financial crisis while many Western banks struggled. However, emerging market banks still have large domestic banking needs and face challenges expanding globally.
The document discusses strategies for the Bank of Moscow to help establish Moscow as an international financial center. It identifies target customer segments for the Bank based on a SWOT analysis, including young leaders, affluent middle-aged, active middle-aged, and rational youth. The strategy proposes focusing on increasing financial literacy, developing products tailored for each segment, and investing in personnel training to capture more customers and investments. Projections estimate the strategies could increase the Bank's investments in Moscow by over 150% by 2016.
ASEAN has experienced strong economic growth over the past 50 years and is now the fifth largest economy globally. Vietnam in particular has grown rapidly since joining ASEAN, with GDP expected to reach $327 billion by 2022 through 6.2% annual growth. Vietnam has also emerged as a top destination for foreign direct investment in ASEAN due to its competitive labor costs and growing domestic market. Its large, young and increasingly skilled population further supports economic expansion and the development of a sizable middle class.
The document discusses trends in the microfinance industry globally and in India. Key points:
- Microfinance institutions (MFIs) have played a large role in addressing financial inclusion, though 2 billion people still lack access to financial services.
- Growth has been uneven globally, with some regions slowing down due to economic factors while Asia/Africa are growing. However, significant potential remains as financial exclusion is still widespread.
- In India, while inclusion has increased, banks have traditionally not focused on lower income groups. MFIs emerged to address this need, though their role in the ecosystem has changed over time.
Mercer Capital's Bank Watch | April 2017 | Is FinTech a Threat or Opportunity?Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
Summary based on Deloitte's CEE Fintech Report 2016
Source: https://www2.deloitte.com/content/dam/Deloitte/global/Documents/About-Deloitte/central-europe/ce-fintech-in-cee-region-2016.pdf
Bank innovation - PwC Study on When the Growing Gets Tough: How Retail Banks ...Jeff Grill
As the United States emerges from the financial crisis, retail banks are striving to outperform their competitors while grappling with unprecedented regulatory challenges and shifts in consumer behavior. For more information see http://www.pwc.com/us/en/financial-services/publications/viewpoints/viewpoint-when-the-growing-gets-tough.jhtml
Emerging market banks have significantly increased in size and importance relative to Western banks in recent years. They now account for around half of global banking industry assets by some measures. The largest emerging market banks are mostly from China and include Industrial and Commercial Bank of China, China Construction Bank, and Bank of China. Other large emerging market banks are from Brazil, Russia, and India. These banks have generally performed well through the financial crisis while many Western banks struggled. However, emerging market banks still have large domestic banking needs and face challenges expanding globally.
The document discusses strategies for the Bank of Moscow to help establish Moscow as an international financial center. It identifies target customer segments for the Bank based on a SWOT analysis, including young leaders, affluent middle-aged, active middle-aged, and rational youth. The strategy proposes focusing on increasing financial literacy, developing products tailored for each segment, and investing in personnel training to capture more customers and investments. Projections estimate the strategies could increase the Bank's investments in Moscow by over 150% by 2016.
ASEAN has experienced strong economic growth over the past 50 years and is now the fifth largest economy globally. Vietnam in particular has grown rapidly since joining ASEAN, with GDP expected to reach $327 billion by 2022 through 6.2% annual growth. Vietnam has also emerged as a top destination for foreign direct investment in ASEAN due to its competitive labor costs and growing domestic market. Its large, young and increasingly skilled population further supports economic expansion and the development of a sizable middle class.
The document discusses trends in the microfinance industry globally and in India. Key points:
- Microfinance institutions (MFIs) have played a large role in addressing financial inclusion, though 2 billion people still lack access to financial services.
- Growth has been uneven globally, with some regions slowing down due to economic factors while Asia/Africa are growing. However, significant potential remains as financial exclusion is still widespread.
- In India, while inclusion has increased, banks have traditionally not focused on lower income groups. MFIs emerged to address this need, though their role in the ecosystem has changed over time.
Mercer Capital's Bank Watch | April 2017 | Is FinTech a Threat or Opportunity?Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
Summary based on Deloitte's CEE Fintech Report 2016
Source: https://www2.deloitte.com/content/dam/Deloitte/global/Documents/About-Deloitte/central-europe/ce-fintech-in-cee-region-2016.pdf
Bank innovation - PwC Study on When the Growing Gets Tough: How Retail Banks ...Jeff Grill
As the United States emerges from the financial crisis, retail banks are striving to outperform their competitors while grappling with unprecedented regulatory challenges and shifts in consumer behavior. For more information see http://www.pwc.com/us/en/financial-services/publications/viewpoints/viewpoint-when-the-growing-gets-tough.jhtml
The document discusses concerns around the ongoing viability of U.S. Treasury securities serving as a risk-free benchmark and hedging tool in fixed-income markets. Recent factors like changes to Treasury debt issuance, reduced liquidity from dealers, and technical pressures from large hedges have undermined Treasuries' status as a pricing vehicle. Alternative benchmarks like GSE debt introduce credit risk, while other options like corporate bonds or swaps face liquidity or other issues. The market may adapt by finding new substitutes, but removing Treasuries' role could increase overall market risk and cause dislocations.
and the training department.
over 1,000 applications. The selection was
The “Giovani Leoni” project is an important
carried out through a series of tests and
opportunity for young graduates to enter the
interviews aimed at identifying the profiles
world of work, gaining experience in the credit
most suited to the bank’s business.
sector and contributing to the growth of the
The new recruits will undergo a six-month
Group. Banca IFIS confirms its commitment to
training period, divided into classroom
investing in young people and their professional
lessons and on-the-job training, to learn
Globalization Of Microfinance Banca Regional AndinoShuvabrata Nandi
The document analyzes the potential for a common banking platform between three microfinance institutions in Latin America - BancoSol in Bolivia, Mibanco in Peru, and BSE in Ecuador. It finds that while the institutions share a common philosophy, their operations and financial profiles differ substantially. A common platform could provide some efficiencies but also risks reducing competitiveness and increasing mission drift. A full merger faces even more challenges around regulatory hurdles and political risk in the different countries. Overall, the document cautions that both collaboration and consolidation in microfinance require careful management to balance social and financial objectives.
This newsletter provides updates from Banca IFIS, an Italian bank, on several topics:
1) Banca IFIS launched a new digital workplace and updated its corporate identity.
2) Banca IFIS reported excellent financial results for the first nine months of 2014, driven by improved credit quality.
3) Over 120 Italian and foreign banks attended Banca IFIS' Repo Market Convention to discuss ECB monetary policy and post-trade infrastructure.
US Retail Banks have enjoyed several years of strong profitability and positive revenue growth. However, we see numerous headwinds to growth due to demographic, competitive, and consumer trends. While many of these trends will persist well into the future, 2019 will be a pivotal year. The attached white paper provides insights into the growth challenge and creative solutions for banks can act to accelerate their growth.
Croissance et innovation dans la banque de détail en AfriqueOthmane Ghailane
Le cabinet McKinsey Global Banking a tout juste publié un nouveau rapport sur la banque de détail en Afrique sous le thème : Rugir à la vie, croissance et innovation dans la banque de détail en Afrique. Plus d'infos : http://bit.ly/2tgrUzw
The document discusses consumer lending trends in Japan. It notes that consumer lending growth slowed to 1% in 2014 after strong growth in 2013, driven partly by a proposed VAT increase. Regional banks have struggled with risk aversion, competition, and declining local markets. They have traditionally invested in government bonds but now seek out profitable lending as bonds become less attractive. The document suggests regional banks and lending specialists will need to expand operations internationally, such as in Southeast Asia, to survive competitive domestic markets with tight regulations and low margins.
The document summarizes a report on the FinTech ecosystems in 21 global hubs. It describes the methodology used to evaluate and compare the hubs, which involved selecting representative hubs, calculating an index performance score based on their rankings in three business indices, and analyzing various indicators for each hub. The indices looked at were the Global Financial Centre Index, Doing Business report, and Global Innovation Index. Representative organizations from each hub provided insights into the local FinTech market. The goal of the report is to better understand and connect the global FinTech community.
Master in Economics of Banking and Finance 5th Thesis - Valuation of VietcombankLuong Duy Nam
VALUATION OF VIETCOMBANK – THE LEADING COMMERCIAL JOINT STOCK BANK IN VIETNAM
By
Trinh Hai Linh,
Nguyen Thanh Son,
Luong Duy Nam,
Quach Thanh Long
A Thesis Submitted to
CFVG
University Paris Dauphine
ESCP Europe
In partial fulfillment of the requirements for the degree of
MASTER IN ECONOMICS OF BANKING AND FINANCE
Hanoi, June 2009.
- Richard Cant testified before the US-China Economic and Security Review Commission on US access to China's consumer markets, with a focus on e-commerce and logistics.
- China's e-commerce market has grown rapidly in recent years and is now the largest in the world, dominated by online marketplaces like Taobao, Tmall, and JD.com. Mobile commerce also plays a large role in China.
- However, it can be difficult for foreign companies, especially smaller ones, to access these large Chinese marketplaces due to high barriers to entry including requirements to have a physical presence and retail store in China. Dedicated international marketplaces like Tmall Global and JD Worldwide also have strict requirements.
Opportunity In Chinas Consumer Economy Despite Crisisa Dec08KC Yoon
The document discusses the growth of consumer spending in China and opportunities in the Chinese retail sector. It notes that increasing affluence is turning China into a consumer market, with department stores and supermarkets benefiting from rising disposable incomes. Several large retail companies in China are profiled that have seen significant profit growth in recent years. The analysis indicates the Chinese government is actively promoting policies to further drive domestic consumption and shift the economy away from exports, presenting opportunities for foreign retailers.
This document analyzes factors that determine the financial margins on loans granted by commercial and development banks in Mexico. It uses data on over 313,000 loans from 2007. The authors find empirical evidence of differences in the determinants of financial margins between bank types. Results suggest development banks do not pursue profitability as a primary objective like commercial banks. Development banks seem to offer lower rates to increase credit supply in Mexico.
US Access to China's Consumer Markets- Ecommerce, Logistics & Financial ServicesDr Dev Kambhampati
Christine Bliss of the Coalition of Services Industries testified before the U.S.-China Economic and Security Review Commission about significant barriers that remain for U.S. financial services companies seeking to access China's consumer market. While U.S. services exports to China have grown in recent years, China maintains restrictions such as equity caps and data localization requirements that limit U.S. competitiveness. Bilateral engagement through forums like the Comprehensive Economic Dialogue provide an opportunity to address these issues, but China must make tangible commitments to reduce market access barriers for U.S. financial services.
This document summarizes a webinar about how technology is inspiring bank branch design. The webinar featured presentations from executives at Royal Bank of Canada and Allen International discussing their experiences redesigning bank branches using new technologies. RBC redesigned their branches to be more open and focused on customer advice, using technologies like Microsoft Surface tables. Allen International discussed projects redesigning branches for other banks to enhance customer experience.
This document discusses how social media is changing the banking industry and how banks can leverage social media. It provides perspectives from banking executives on how social media can drive innovation through service, product, and process innovation. Social media allows banks to improve customer service, generate leads, deepen customer relationships, and differentiate from competitors. Banks need to listen to customers on social media, engage in conversations, and join discussions in online communities to benefit. Executives share how their banks are learning from early social media experiences and adapting their strategies to be more active and responsive online. Web listening tools and private online communities are presented as ways for banks to gain insights from customers.
This Knowledge Paper makes an effort to elucidate the concept of remittances in the international context and is focused on the remittances sent by emigrants to their families back home, for domestic consumption and investment. The paper highlights the significance of International Remittances... to the global economy, details existing business models, and examines emerging trends as well as challenges faced by an industry which is to poised to play a bigger role in the globalization process.
Mantener su vehículo en buenas condiciones requiere realizar tareas de mantenimiento preventivo regularmente. Esto incluye revisar los niveles de aceite, líquido de frenos y refrigerante, así como inspeccionar el desgaste de los neumáticos y pastillas de freno. Realizar estas tareas simples de manera periódica ayudará a evitar problemas mayores y costos de reparación en el futuro.
Este documento presenta una lista de piezas de arte sacro hechas de piedra, incluyendo figuras de ángeles, Cristo resucitado, apóstoles, la Virgen María con el Niño, Moisés, la Sagrada Familia y pesebres. Proporciona detalles como las referencias, medidas y materiales de cada pieza, como oro, plata y bronce.
Este documento define y describe varios tipos de convivencia, incluyendo la convivencia familiar, escolar, humana, ciudadana y democrática. Explica que la convivencia se refiere a la coexistencia pacífica entre grupos en un mismo espacio y que requiere respeto, tolerancia y comprensión. También menciona algunos problemas como la discriminación, criminalidad y agresiones sexuales que afectan la convivencia social.
Neurotransmisores y farmacología (zulaymy záez)Zulaymy Záez
Este documento resume los conceptos clave de neurotransmisores y psicofarmacología. Explica que los neurotransmisores son mensajeros químicos que transmiten señales entre neuronas y menciona algunos ejemplos importantes como la dopamina, la serotonina y el glutamato. También describe brevemente los receptores neuronales, las etapas de estudio de psicofármacos, los diseños de investigación y los aspectos éticos involucrados.
This document contains a summary of Mohanraj Durairaj's professional experience as a Business Analyst with over 10 years of experience in information technology. It outlines his extensive experience in requirements gathering, documentation, software validation, and facilitating meetings. Specific skills and responsibilities are highlighted from his roles at various companies focusing on healthcare IT projects.
The document discusses concerns around the ongoing viability of U.S. Treasury securities serving as a risk-free benchmark and hedging tool in fixed-income markets. Recent factors like changes to Treasury debt issuance, reduced liquidity from dealers, and technical pressures from large hedges have undermined Treasuries' status as a pricing vehicle. Alternative benchmarks like GSE debt introduce credit risk, while other options like corporate bonds or swaps face liquidity or other issues. The market may adapt by finding new substitutes, but removing Treasuries' role could increase overall market risk and cause dislocations.
and the training department.
over 1,000 applications. The selection was
The “Giovani Leoni” project is an important
carried out through a series of tests and
opportunity for young graduates to enter the
interviews aimed at identifying the profiles
world of work, gaining experience in the credit
most suited to the bank’s business.
sector and contributing to the growth of the
The new recruits will undergo a six-month
Group. Banca IFIS confirms its commitment to
training period, divided into classroom
investing in young people and their professional
lessons and on-the-job training, to learn
Globalization Of Microfinance Banca Regional AndinoShuvabrata Nandi
The document analyzes the potential for a common banking platform between three microfinance institutions in Latin America - BancoSol in Bolivia, Mibanco in Peru, and BSE in Ecuador. It finds that while the institutions share a common philosophy, their operations and financial profiles differ substantially. A common platform could provide some efficiencies but also risks reducing competitiveness and increasing mission drift. A full merger faces even more challenges around regulatory hurdles and political risk in the different countries. Overall, the document cautions that both collaboration and consolidation in microfinance require careful management to balance social and financial objectives.
This newsletter provides updates from Banca IFIS, an Italian bank, on several topics:
1) Banca IFIS launched a new digital workplace and updated its corporate identity.
2) Banca IFIS reported excellent financial results for the first nine months of 2014, driven by improved credit quality.
3) Over 120 Italian and foreign banks attended Banca IFIS' Repo Market Convention to discuss ECB monetary policy and post-trade infrastructure.
US Retail Banks have enjoyed several years of strong profitability and positive revenue growth. However, we see numerous headwinds to growth due to demographic, competitive, and consumer trends. While many of these trends will persist well into the future, 2019 will be a pivotal year. The attached white paper provides insights into the growth challenge and creative solutions for banks can act to accelerate their growth.
Croissance et innovation dans la banque de détail en AfriqueOthmane Ghailane
Le cabinet McKinsey Global Banking a tout juste publié un nouveau rapport sur la banque de détail en Afrique sous le thème : Rugir à la vie, croissance et innovation dans la banque de détail en Afrique. Plus d'infos : http://bit.ly/2tgrUzw
The document discusses consumer lending trends in Japan. It notes that consumer lending growth slowed to 1% in 2014 after strong growth in 2013, driven partly by a proposed VAT increase. Regional banks have struggled with risk aversion, competition, and declining local markets. They have traditionally invested in government bonds but now seek out profitable lending as bonds become less attractive. The document suggests regional banks and lending specialists will need to expand operations internationally, such as in Southeast Asia, to survive competitive domestic markets with tight regulations and low margins.
The document summarizes a report on the FinTech ecosystems in 21 global hubs. It describes the methodology used to evaluate and compare the hubs, which involved selecting representative hubs, calculating an index performance score based on their rankings in three business indices, and analyzing various indicators for each hub. The indices looked at were the Global Financial Centre Index, Doing Business report, and Global Innovation Index. Representative organizations from each hub provided insights into the local FinTech market. The goal of the report is to better understand and connect the global FinTech community.
Master in Economics of Banking and Finance 5th Thesis - Valuation of VietcombankLuong Duy Nam
VALUATION OF VIETCOMBANK – THE LEADING COMMERCIAL JOINT STOCK BANK IN VIETNAM
By
Trinh Hai Linh,
Nguyen Thanh Son,
Luong Duy Nam,
Quach Thanh Long
A Thesis Submitted to
CFVG
University Paris Dauphine
ESCP Europe
In partial fulfillment of the requirements for the degree of
MASTER IN ECONOMICS OF BANKING AND FINANCE
Hanoi, June 2009.
- Richard Cant testified before the US-China Economic and Security Review Commission on US access to China's consumer markets, with a focus on e-commerce and logistics.
- China's e-commerce market has grown rapidly in recent years and is now the largest in the world, dominated by online marketplaces like Taobao, Tmall, and JD.com. Mobile commerce also plays a large role in China.
- However, it can be difficult for foreign companies, especially smaller ones, to access these large Chinese marketplaces due to high barriers to entry including requirements to have a physical presence and retail store in China. Dedicated international marketplaces like Tmall Global and JD Worldwide also have strict requirements.
Opportunity In Chinas Consumer Economy Despite Crisisa Dec08KC Yoon
The document discusses the growth of consumer spending in China and opportunities in the Chinese retail sector. It notes that increasing affluence is turning China into a consumer market, with department stores and supermarkets benefiting from rising disposable incomes. Several large retail companies in China are profiled that have seen significant profit growth in recent years. The analysis indicates the Chinese government is actively promoting policies to further drive domestic consumption and shift the economy away from exports, presenting opportunities for foreign retailers.
This document analyzes factors that determine the financial margins on loans granted by commercial and development banks in Mexico. It uses data on over 313,000 loans from 2007. The authors find empirical evidence of differences in the determinants of financial margins between bank types. Results suggest development banks do not pursue profitability as a primary objective like commercial banks. Development banks seem to offer lower rates to increase credit supply in Mexico.
US Access to China's Consumer Markets- Ecommerce, Logistics & Financial ServicesDr Dev Kambhampati
Christine Bliss of the Coalition of Services Industries testified before the U.S.-China Economic and Security Review Commission about significant barriers that remain for U.S. financial services companies seeking to access China's consumer market. While U.S. services exports to China have grown in recent years, China maintains restrictions such as equity caps and data localization requirements that limit U.S. competitiveness. Bilateral engagement through forums like the Comprehensive Economic Dialogue provide an opportunity to address these issues, but China must make tangible commitments to reduce market access barriers for U.S. financial services.
This document summarizes a webinar about how technology is inspiring bank branch design. The webinar featured presentations from executives at Royal Bank of Canada and Allen International discussing their experiences redesigning bank branches using new technologies. RBC redesigned their branches to be more open and focused on customer advice, using technologies like Microsoft Surface tables. Allen International discussed projects redesigning branches for other banks to enhance customer experience.
This document discusses how social media is changing the banking industry and how banks can leverage social media. It provides perspectives from banking executives on how social media can drive innovation through service, product, and process innovation. Social media allows banks to improve customer service, generate leads, deepen customer relationships, and differentiate from competitors. Banks need to listen to customers on social media, engage in conversations, and join discussions in online communities to benefit. Executives share how their banks are learning from early social media experiences and adapting their strategies to be more active and responsive online. Web listening tools and private online communities are presented as ways for banks to gain insights from customers.
This Knowledge Paper makes an effort to elucidate the concept of remittances in the international context and is focused on the remittances sent by emigrants to their families back home, for domestic consumption and investment. The paper highlights the significance of International Remittances... to the global economy, details existing business models, and examines emerging trends as well as challenges faced by an industry which is to poised to play a bigger role in the globalization process.
Mantener su vehículo en buenas condiciones requiere realizar tareas de mantenimiento preventivo regularmente. Esto incluye revisar los niveles de aceite, líquido de frenos y refrigerante, así como inspeccionar el desgaste de los neumáticos y pastillas de freno. Realizar estas tareas simples de manera periódica ayudará a evitar problemas mayores y costos de reparación en el futuro.
Este documento presenta una lista de piezas de arte sacro hechas de piedra, incluyendo figuras de ángeles, Cristo resucitado, apóstoles, la Virgen María con el Niño, Moisés, la Sagrada Familia y pesebres. Proporciona detalles como las referencias, medidas y materiales de cada pieza, como oro, plata y bronce.
Este documento define y describe varios tipos de convivencia, incluyendo la convivencia familiar, escolar, humana, ciudadana y democrática. Explica que la convivencia se refiere a la coexistencia pacífica entre grupos en un mismo espacio y que requiere respeto, tolerancia y comprensión. También menciona algunos problemas como la discriminación, criminalidad y agresiones sexuales que afectan la convivencia social.
Neurotransmisores y farmacología (zulaymy záez)Zulaymy Záez
Este documento resume los conceptos clave de neurotransmisores y psicofarmacología. Explica que los neurotransmisores son mensajeros químicos que transmiten señales entre neuronas y menciona algunos ejemplos importantes como la dopamina, la serotonina y el glutamato. También describe brevemente los receptores neuronales, las etapas de estudio de psicofármacos, los diseños de investigación y los aspectos éticos involucrados.
This document contains a summary of Mohanraj Durairaj's professional experience as a Business Analyst with over 10 years of experience in information technology. It outlines his extensive experience in requirements gathering, documentation, software validation, and facilitating meetings. Specific skills and responsibilities are highlighted from his roles at various companies focusing on healthcare IT projects.
Este documento es un registro académico para José Humberto Morales Ortiz, estudiante de la Escuela de Ingeniería de la Universidad Fermín Toro en Venezuela, que cursa la asignatura de Gestión Ambiental con la profesora Yamilet Araujo.
El documento define un código de ética como un conjunto de normas que rigen el comportamiento de un grupo social. Explica que el objetivo de un código de ética es formar estudiantes responsables y conscientes de sus acciones que se esfuercen por mejorar. Además, indica que un código de ética debe aplicarse a toda la comunidad universitaria de manera global y reflejar valores como la honestidad, el respeto y la responsabilidad.
1. The document outlines a payment schedule for a property development project called Viva Riverside.
2. The schedule includes 13 payments made between signing the land lease agreement and project handover. Payments are made as construction milestones are reached.
3. Customers are encouraged to make payments before the 5th of each month to receive discounts. The payment methods and project details are provided to customers for transparency.
This document discusses Boolean algebra and logic simplification techniques. It covers exclusive-OR and equivalence operations, the consensus theorem, and basic methods for simplifying switching functions using Boolean algebra theorems and properties. These include combining like terms, eliminating terms, eliminating laterals, and adding redundant terms. While some rules of ordinary algebra do not apply to Boolean algebra, equalities involving addition or multiplication of variables are valid.
The humanistic perspective emphasizes individual freedom, meaning, dignity, and competence. Mindfulness-based stress reduction (MBSR) was developed from these principles to help patients manage stress, pain, and illness. MBSR is an 8-week program teaching mindfulness meditation skills to increase awareness of mind-body connections and reduce suffering. Research shows MBSR lowers stress levels and improves mental health outcomes by cultivating non-judgmental present-moment awareness.
O documento discute como os shakes para emagrecimento melhoraram em sabor e nutrição, destacando os benefícios do shake de chia, incluindo saciedade e controle do colesterol. Recomenda-se substituir 2 refeições por dia pelo shake, acrescentando uma fruta ou barra de cereal.
The Directorate of Agriculture in Ranchi, Jharkhand issued an urgent notice extending the deadline for applying to be a Village Level Worker. The notice continues earlier announcements about recruiting workers in Pay Band 5200-20200 with a Grade Pay of 2400. Application forms will now be available until November 14, 2011 at District headquarters. Further details can be found at www.sameti.org or by contacting the relevant District headquarters.
Este manual de mantenimiento preventivo describe los pasos para limpiar una computadora, incluyendo limpiar la suciedad externa, limpiar las teclas del teclado con un aspirador o cepillo, limpiar los componentes externos con espuma limpiadora y un paño antiestático, desarmar la computadora removiendo tornillos, y limpiar el interior con aire comprimido y limpiar cada componente pequeño con trapos o cepillos.
El documento presenta las observaciones de un trabajo práctico sobre un sitio web realizado por un grupo de estudiantes. Contiene comentarios sobre errores ortográficos, imágenes que no cargan, fuentes pequeñas, información mal colocada, secciones en diferentes idiomas y formularios pequeños que dejan espacio sin usar. Concluye que un sitio web debe ser fácil de navegar y tener calidad e información bien distribuida.
NISO Virtual Conference: BIBFRAME & Real World Applications of Linked Bibliographic Data
http://www.niso.org/news/events/2016/virtual_conference/jun15_virtualconf/
June 15, 2016
Opening Keynote: Landscape and Current Status of BIBFRAME and Related Initiatives
La enfermedad del dengue es una fiebre viral transmitida por mosquitos que causa síntomas como fiebre alta, dolores musculares y articulares, y puede evolucionar a formas graves. Se contrae por la picadura de mosquitos hembra del género Aedes infectados con cualquiera de los cuatro serotipos del virus del dengue. El riesgo de contraer la enfermedad es mayor para quienes viven o visitan zonas endémicas con presencia del vector y circulación viral, así como lugares con problemas en el suministro
Este documento analiza la Ley de la Industria Eléctrica en México. Explica el debate sobre si la industria eléctrica debe ser manejada por monopolios estatales o empresas privadas. También describe las características físicas únicas de la electricidad y los riesgos de un mercado privado. Finalmente, analiza los casos de la privatización eléctrica en Gran Bretaña y la desregulación del mercado en California, señalando que no hubo reducciones de tarifas para los consumidores.
1) The document discusses opportunities and challenges for banks operating in emerging markets, focusing on 10 rapid-growth markets identified as the next wave beyond the BRICs.
2) Banks in these markets face common challenges around serving unbanked customers without developed infrastructure and meeting growing demand for lending with constrained balance sheets.
3) To achieve profitable growth, banks must balance rapid expansion with efficiency gains, through initiatives like low-cost retail products, strong corporate and investment banking capabilities, advisory services, and new wealth management products.
Global banking outlook 2015_Transforming banking for the next generation_full...Karl Meekings
The document discusses how banks must transform their business models to focus on profitability rather than revenues in order to succeed in the coming decade. It identifies four key areas where banks can generate revenue growth: targeting new customers in emerging markets, developing new products and gaining market share in developed markets, funding infrastructure investment, and partnering with non-banks. The document also discusses how new entrants have been increasingly competing with banks and how banks must respond to this new competitive landscape to defend their position.
This document discusses banking in emerging markets and identifies three key stages of financial maturity for these markets - frontier, transitional, and established. It summarizes the findings of surveys of banks and customers in 11 emerging markets representing these three stages. The main points are:
1) Emerging markets face growth opportunities but also volatility due to political and economic factors. Banks must cope with this volatility to succeed.
2) Banks face challenges including tougher regulation, intensifying competition, and increasing costs. They must address these "headwinds" to profit from emerging market growth.
3) Successful banks will identify lessons from peers in similar markets to adapt strategies locally and maximize profits from their most lucrative customers.
1) The globalization of China's financial industry is key to supporting the global expansion of Chinese enterprises. While Chinese commercial banks began expanding overseas in the early 2000s, more financial institutions increased overseas investments after 2009.
2) Overseas direct investment from China sharply increased between 2007 and 2009, driven by demand from non-financial industries, increased investments from China Investment Corporation during the financial crisis, and opportunities to acquire undervalued foreign assets.
3) For Chinese financial institutions to further expand globally, they need to adjust their business models, increase profits from capital markets, and better adapt to serving the needs of Chinese enterprises investing overseas. Strong government support is also needed to address issues around foreign exchange reserves and capital injections.
The document analyzes the state of the financial services industry in 2011 and presents a scenario for a future financial crisis in 2015. Key points:
1) In 2011, the global economy was recovering but new regulations were struggling to prevent risky behavior. Talent shifted to the shadow banking sector and emerging markets as growth opportunities.
2) By 2015 in the scenario, a shadow banking bubble and emerging market commodities bubble had formed and then burst, triggering a global recession. Sovereign debt crises in developed nations exacerbated the financial crisis.
3) The scenario aims to stress test new financial regulations and systems, and encourage considering multiple potential crisis scenarios rather than just predictions of the future. It shows regulations
The document discusses how the global credit crisis has impacted companies expanding into emerging markets through international trade. Some key points:
1) Access to capital for expansion has become more difficult as banks and capital markets have tightened lending in response to the crisis. Companies must now pursue multiple options to secure financing like tapping local markets, using corporate banking relationships, or pursuing joint ventures.
2) While emerging markets have been impacted by the downturn, places like Asia entered the crisis in a stronger position than the developed world and some countries have even eased credit availability again. The long term growth potential of emerging markets remains intact.
3) Currency volatility poses challenges but also opportunities for companies doing international business. Proper hed
European banks, companies, and public institutions are owed around $900 billion in bad debt that is growing as the European economy slows. Some large banks have started developing specialist units to manage bad debt on an industrial scale for both themselves and other companies, charging 10-15% fees on amounts recovered. These debt recovery expertise units could generate substantial profits for the banks of around $100 million or 5% of net income in countries like France and Italy. Non-bank firms may also enter this promising but still emerging market for large-scale debt management in Europe.
The document discusses potential market expansion and growth opportunities for ICICI Bank in emerging markets like India. It notes that ICICI Bank has opportunities in rural areas of tier 1, 2, and 3 cities that still rely on traditional banking. ICICI Bank is well positioned to capitalize on this due to its innovative services like electronic branches, tablet banking, and customer service solutions. The document also outlines ICICI Bank's past strategies around segmentation, targeting, positioning, product differentiation, and distribution that have made it a leader in retail banking in India.
To grow and prosper in today’s ever-changing world, banks
too must change. They need to move beyond any existing
organizational silos, infrastructure complexities and other
constraints – and toward an operation centered on the client.
Five Star Bank is launching a new consumer checking account product line and is seeking marketing strategies. The bank operates in Western and Central New York and aims to become the premier community bank in the region. It faces competition from large national banks and smaller regional banks. Most competitors offer checking accounts with monthly fees that can be waived by maintaining a minimum balance. Five Star wants to enhance the customer experience by offering banking services through multiple convenient access channels.
Specialty lending has grown significantly due to new regulations tightening bank lending standards. This has led banks to pull back from high-risk lending, driving clients to digital alternative lenders. These lenders utilize technology like big data and automation to efficiently match borrowers and lenders. Though still small compared to traditional banks, the specialty lending market has grown exponentially and has considerable room for further expansion, representing an opportunity for investors.
The document summarizes some of the key risks facing the international banking system. It discusses how sovereign debt crises are destabilizing markets and economic growth is sluggish in developed nations. Banks face challenges including high credit risks in Europe, regulatory changes, and demanding customers. The main risks identified include default risk if borrowers fail to repay, financial risk from capital structure and debt levels, and business risk from uncertainty in markets and income.
The document is the editorial note for the maiden edition of FirstBank's semi-annual publication, the FirstBank Review. It introduces the publication as a means for FirstBank to stimulate discussion on contemporary economic issues among decision makers. The editorial note highlights that the first issue will focus on "Unlocking the Domestic Credit Market" given the paradoxical situation where banks have excess liquidity but are reluctant to lend. It aims to explore the reasons for this credit conundrum and provide recommendations to help restore credit flows.
How asia-is-reinventing-banking-for-the-digital-agejustincorbett
Asian banks have become major global players, but now face challenges from slowing growth and increasing competition. While Asia previously led in innovations like digital payments, traditional banks must now reinvent themselves for the digital age. Open banking regulations are increasing competitive pressures as they require banks to grant access to customer data and payments. To survive this disruption, Asian banks will likely need to consolidate and leverage their scale, customer relationships, and risk expertise to reinvent their business models.
This document discusses markers of success for FinTech attackers and imperatives for banks in response to the FinTech threat. It finds that while banks still have advantages like regulation and credit issuance, FinTech attackers have opportunities due to new technologies, data availability, and demographic shifts. Successful FinTech attackers will have advantaged customer acquisition, lower costs, innovative data use, focused propositions, leveraging existing infrastructure, and managing risks and regulators. Banks must adopt six digital imperatives to defend against FinTech attackers taking up to 40% of some banking revenues by 2025, including becoming more customer-centric, improving cost structures, leveraging data, developing platforms, partnering strategically, and transforming culture.
This case study analyzes whether Metro Bank, a new entrant in the highly concentrated UK banking market, can bring about meaningful change with its novel branch-based model. It discusses the market context, including low customer satisfaction due to anti-competitive behavior by large incumbent banks. Metro Bank aims to "wow" customers with superior service using an efficient IT platform. However, skeptics question if it can overcome the economies of scale of large banks and whether branch-based banking remains appealing. Early signs suggest Metro Bank's model, which prioritizes customer service, aligns with consumer preferences in both the UK and US.
Bank of America is one of the world's largest financial institutions, serving 57 million consumers and businesses globally. It has a long history dating back to 1764 and has grown significantly through mergers and acquisitions. The company monitors key economic indicators to predict trends and maximize revenues. It offers a range of banking products both domestically and internationally through its presence in over 140 countries. Bank of America continues investing in new technologies like mobile and online banking to better serve customers globally.
1) Private banking assets under management in Western Europe grew 8% in 2012, driven by a 6% gain in capital markets and 2% net inflows.
2) However, profit and revenue margins declined for the first time since 2010 amid low interest rates and increasing regulation.
3) There is growing polarization between leading and lagging private banks, with only 24% regaining pre-crisis profitability above 35 basis points.
This document discusses the transformation of the banking industry in the 21st century due to various pressures. It summarizes:
1) Banks are facing major structural and operational changes over the next decade due to eroding comparative advantages and monopolies from new technologies and competitors. Pressures are challenging core banking functions like information and delivery.
2) Banks are losing some past monopolies and advantages that underpinned their dominant position, facing more competition from capital markets, non-banks, and new financial technologies. Some large corporate customers are even internalizing banking operations.
3) While the role of banks in lending may be declining, there is no clear evidence overall that banks are in secular decline when considering their full
Mahindra & Mahindra Financial Services Ltd (MMFSL) is one of India's leading non-banking finance companies that provides financing for vehicles and other assets, especially in rural and semi-urban areas. It has over 436 branches across India and has disbursed over Rs. 21,000 crore in loans since inception. MMFSL is part of the Mahindra Group, a large Indian conglomerate with over $7 billion in revenue. The document provides an overview of MMFSL's history and operations, the banking and NBFC industry in India, and differences between banks and non-bank financial institutions.
Similar to Perspective: The rise and rise of emerging market banks (20)
Finacle Webinar – Innovation in Retail Banking 2013Infosys Finacle
Finacle from Infosys and Efma presented the key findings of their 5th annual report — ‘Innovation in retail banking’ study, at a webinar conduced on 22nd Oct’2013. The study, based on a global survey of banks and interviews with senior bankers, investigates how banks can overcome barriers to innovation and improve their innovation capabilities, as well as banking trends
Finacle from Infosys discusses top 13 Banking Trends for 2013. Banking Industry is undergoing major transformation in it's IT Technology infrastructure to give the best to customers. The analysis also includes real time data to understand the changing requirements, expectations and need of the hour.
Finacle - Bank Customer Service: Click or Dial versus Branch BankingInfosys Finacle
Finacle paper on bank customer service analyses important factors that impact the adoption of technology on the banking ecosystem and how the effective balancing of the human factor against technology adoption can contribute to a fuller realization of banks goals.
Finacle paper on secure coding practices gives an insight into application coding security and highlights how comprehensive approach in security is need to not only secure code but also web servers and databases.
Finacle Digital Commerce solution leverages the power of digital money to unlock new revenue streams, extend distribution reach, and foster customer loyalty for financial institutions, telecom service providers, and retailers.
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Finacle thought paper discusses how digital wallet might replace credit cards and cash in near future and list important must have strategies for digital wallet service providers to grow.
Finacle - Agency Banking: New Frontiers In Financial InclusionInfosys Finacle
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Thought Paper: Overview of Banking ApplicationsInfosys Finacle
Card based transactions account for barely 1% of all non-cash transactions by value,in India.Security concerns rank high on the list of barriers to card adoption,not just in this country,but also in those with much higher penetration.
Perspective- Multi Channel Banking: A Five Point Strategy Infosys Finacle
The last two decades have witnessed a paradigm shift in the way people bank. While the shift from branches to ATM based cash withdrawals and from there on to internet banking was slow, it has been a different story in the case of mobile banking. The growth in adoption of mobile banking over the last three years has been tremendous. Many banks have rolled out internet banking, mobile banking, call centers, ATM based transactions and video banking. But, have banks moved from multiple channels to true multi-channel banking with seamless cross channel experiences?
Here we explore a five point strategy that would empower banks and financial institutions to define a robust multi-channel offering.
Thought Paper:Four Strategies to Build the Smarter BankInfosys Finacle
Robert Kiyosaki, American investor and author (of Rich Dad Poor Dad fame), hits the nail on the head when he says, “You have to be smart. The easy days are over.”
As consumers go about trying to manage their money, there is an opportunity for banks to show them that they’re not alone – by being the ideal financial partner that listens, understands needs, shows respect, acts with integrity, serves with a purpose and exceeds expectations through its products, services and financial guidance.
In other words, by becoming a smarter bank.
Perspective: Needed, A Holistic Approach to Reputation Risk Management in Banks Infosys Finacle
This document discusses the need for banks to take a holistic approach to managing reputation risk. Currently, most banks silo each type of risk (e.g. credit, market, operational) without considering how they interconnect and impact reputation. The document advocates looking beyond individual risk departments to foster a culture where all employees understand how their actions can affect reputation risk. It also suggests learning from other industries' reputation risk practices and using new technologies like analytics and social media monitoring to proactively manage this critical intangible asset.
Perspective: Auditing norms for pki based applicationsInfosys Finacle
This document discusses auditing norms for PKI-based applications. It begins by describing the organization structure of PKI systems, which includes the Controller of Certifying Authority (CCA), Certifying Authorities (CAs), and Registration Authorities (RAs). It then explains that auditing PKI applications is important to ensure they are functioning properly. The challenges of auditing include certificates having a limited validity and the inability to audit external interactions. It provides recommendations for overcoming these challenges such as using secondary servers and accounting for variations in encryption algorithms. The document concludes by outlining specific considerations for auditing the PKI structure and applications.
Mobile Banking – A Transformation of Traditional BankingInfosys Finacle
www.infosys.com/finacle
How comfortable are we with Mobile Banking? Not very much, it seems. Even today, most of us who use mobile banking do so merely to check account information, transfer funds or pay bills. How many of us are aware of mobile technologies like Near Field Communication (NFC) and Remote Deposit Capture (RDC), which have evolved in response to customers’ need for a mechanism to make quick in-store/ transit purchases and check deposits without visiting a branch or an Internet banking site?
http://www.infosys.com/finacle
Mobile banking has often been perceived
either as an extension of internet banking or
as an isolated channel, which can help banks
in minimizing costs and generating better
revenue streams. One of the major reasons
cited for the success of mobile banking is the
omnipresent nature of the channel, which sets
it apart from all the traditional ones. This
differentiator can drive revenues not only from
the mobile perspective but also in conjugation
with other channels. Today, banks need to
carefully study how the mobile can fit into the
overall multi-channel framework in order to truly
leverage the benefits associated with it.
Agility in the context of banking doesn’t mean just speed in execution; it also means that the bank is nimble and flexible. Agility helps the bank to win a marathon, as opposed to a hundred meter dash.
The banking system in the Philippines is made up of universal and commercial banks, thrift banks, and rural and cooperative banks. The country's economy grew steadily over the past 20 years but challenges remain around reducing poverty and achieving development goals. Recent elections saw Benigno Aquino III elected president. Emerging areas of focus for banks include microfinance, bancassurance, mobile banking, and wealth management as the population and economy modernize. Technology is an important enabler for reaching more customers, especially in rural areas.
Smartphones are transforming wealth management by enabling customers to access financial services anytime from any device. They allow customers to view portfolios, research investments, and communicate with advisors via email, video chat, and social media. Smartphones also allow advisors to access enterprise applications and view a unified view of customer accounts and interactions across all channels on their mobile devices. Looking forward, smartphones will continue expanding the scope of mobile wealth management through improved connectivity, applications, and integration of social media features.
Universal Banking Solution System Integration Consulting Business Process Outsourcing
A content management system (CMS) allows banks to centrally manage their website content like news, products, and services. It provides benefits like reduced costs, centralized content storage, and approval workflows. A CMS typically includes digital assets, documents, web content, and records. It manages the content lifecycle from creation to archival. Online banking uses CMS to deliver content in multiple languages and across channels securely. Key criteria for selecting a CMS include ease of use, access control, standards compliance, customization, and security. Popular CMS options include Alfresco, Liferay, and eXo. Investing in a CMS allows banks to provide fresh
The document discusses how interactive online banking can provide a better customer experience than traditional online banking. It describes several interactive modes such as call me back, chat, video chat, co-browsing, and proxy log-on that allow customers to communicate directly with banks. These interactive features help address problems with limited interaction options and provide a more personalized experience similar to visiting a branch in person. The document argues that higher interactivity leads to greater perceived ease of use and higher customer satisfaction with online banking services.
Main news related to the CCS TSI 2023 (2023/1695)Jakub Marek
An English 🇬🇧 translation of a presentation to the speech I gave about the main changes brought by CCS TSI 2023 at the biggest Czech conference on Communications and signalling systems on Railways, which was held in Clarion Hotel Olomouc from 7th to 9th November 2023 (konferenceszt.cz). Attended by around 500 participants and 200 on-line followers.
The original Czech 🇨🇿 version of the presentation can be found here: https://www.slideshare.net/slideshow/hlavni-novinky-souvisejici-s-ccs-tsi-2023-2023-1695/269688092 .
The videorecording (in Czech) from the presentation is available here: https://youtu.be/WzjJWm4IyPk?si=SImb06tuXGb30BEH .
Monitoring and Managing Anomaly Detection on OpenShift.pdfTosin Akinosho
Monitoring and Managing Anomaly Detection on OpenShift
Overview
Dive into the world of anomaly detection on edge devices with our comprehensive hands-on tutorial. This SlideShare presentation will guide you through the entire process, from data collection and model training to edge deployment and real-time monitoring. Perfect for those looking to implement robust anomaly detection systems on resource-constrained IoT/edge devices.
Key Topics Covered
1. Introduction to Anomaly Detection
- Understand the fundamentals of anomaly detection and its importance in identifying unusual behavior or failures in systems.
2. Understanding Edge (IoT)
- Learn about edge computing and IoT, and how they enable real-time data processing and decision-making at the source.
3. What is ArgoCD?
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4. Deployment Using ArgoCD for Edge Devices
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5. Introduction to Apache Kafka and S3
- Explore Apache Kafka for real-time data streaming and Amazon S3 for scalable storage solutions.
6. Viewing Kafka Messages in the Data Lake
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7. What is Prometheus?
- Get to know Prometheus, an open-source monitoring and alerting toolkit, and its application in monitoring edge devices.
8. Monitoring Application Metrics with Prometheus
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9. What is Camel K?
- Introduction to Camel K, a lightweight integration framework built on Apache Camel, designed for Kubernetes.
10. Configuring Camel K Integrations for Data Pipelines
- Learn how to configure Camel K for seamless data pipeline integrations in your anomaly detection workflow.
11. What is a Jupyter Notebook?
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12. Jupyter Notebooks with Code Examples
- Hands-on examples and code snippets in Jupyter Notebooks to help you implement and test anomaly detection models.
Best 20 SEO Techniques To Improve Website Visibility In SERPPixlogix Infotech
Boost your website's visibility with proven SEO techniques! Our latest blog dives into essential strategies to enhance your online presence, increase traffic, and rank higher on search engines. From keyword optimization to quality content creation, learn how to make your site stand out in the crowded digital landscape. Discover actionable tips and expert insights to elevate your SEO game.
How to Interpret Trends in the Kalyan Rajdhani Mix Chart.pdfChart Kalyan
A Mix Chart displays historical data of numbers in a graphical or tabular form. The Kalyan Rajdhani Mix Chart specifically shows the results of a sequence of numbers over different periods.
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Threats to mobile devices are more prevalent and increasing in scope and complexity. Users of mobile devices desire to take full advantage of the features
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In the rapidly evolving landscape of technologies, XML continues to play a vital role in structuring, storing, and transporting data across diverse systems. The recent advancements in artificial intelligence (AI) present new methodologies for enhancing XML development workflows, introducing efficiency, automation, and intelligent capabilities. This presentation will outline the scope and perspective of utilizing AI in XML development. The potential benefits and the possible pitfalls will be highlighted, providing a balanced view of the subject.
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Taking AI to the Next Level in Manufacturing.pdfssuserfac0301
Read Taking AI to the Next Level in Manufacturing to gain insights on AI adoption in the manufacturing industry, such as:
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Lambda, Elastic Beanstalk, Lightsail, Amplify, S3 (and more!) can each host websites + APIs. But which one should we choose?
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Choosing The Best AWS Service For Your Website + API.pptx
Perspective: The rise and rise of emerging market banks
1. The Rise and Rise of Emerging
Market Banks
Universal Banking Solution System Integration Consulting Business Process Outsourcing
2. Four years after the crisis broke, Greece and a contraction) of advanced country banks, many
few others are looking to survive, whereas of which still face multiple risks, implies that
countries like China are trying to use this quiet the relative importance of the former will quickly
period to take giant leaps forward and emerge grow. Yet, in most emerging markets, the banking
ahead of developed nations in the race for global industry remains immature. As a result, banking
supremacy. As the backbone of economy, the revenue as a percentage of GDP is still small,
financial sector will play a huge role in the offering great growth potential to incumbents and
dynamics of a likely shift in the world order in the new entrants alike, unlike in the stagnant and
twenty-first century. saturated Western markets.
While emerging nations have a host of problems Impact of Financial Crisis
to deal with, they have a lot going for them
when it comes to the financial sector. Emerging There are several reasons why the financial
market banks have done a number of sector in the developing world came through
fundamental things right, for instance, banks in the crisis with relatively little damage. Firstly,
China and India have participated in a number loan-to-deposit ratios are very low due to the net
of financial inclusion initiatives to take their saving position of this region. Developing world
services to some of the most backward regions banks have always gathered savings, in contrast
and previously untapped markets. Banks in the to Western banks, which borrowed heavily. This
BRIC nations have used their technological insulated emerging market banks from the
prowess to provide cost efficient platforms and collapse of the interbank market and preempted
mobile applications, which have helped to the need for substantial deleveraging. As a
catalyze industrial development. Regulatory result, these banks have been able to continue
bodies, i.e. Central Banks, have played a key role lending using a stable and often growing source
in ensuring that their banking sectors are well of deposit funding. Second, most emerging
protected and fundamentally strong. market banks already have high capital ratios
which limit pressures for balance sheet
The crisis in Western banking, still reverberating adjustments. In addition, the new capital rules
in Southern Europe, seems to have accelerated under Basel III are likely to be much less painful for
the shift in banking muscle from rich countries to these banks as they typically have less risky assets
the developing world. Banks in emerging and smaller investment banking businesses.
countries are now measuring up with those in
the developed world, when it comes to the real Role of State
thing, which is money. Not only are they well
capitalized and well-funded, they are also really Along with the status of emerging market banks,
big and growing. By profits, Tier-1 capital, the crisis has also transformed the role of the
dividends and market value, they now account state in banking. The main reason for the
for a quarter to half of the global banking industry. continuing growth in China, which had relaxed
China’s lenders head the list of banks by market its grip on the industry since a decade, was
value, and Brazilian and Russian banks are the government’s direction to continue lending
among the world’s top 25. At current growth during 2008 and 2009. In Brazil, India and
rates, India’s banks will catch up with the top global Russia, state-owned banks have seen a sharp
banks in a decade. improvement in their fortunes, gaining market
share at the expense of private banks.
Emerging market banks’ asset growth has
been impressive as well, with Chinese institutions Customer Expectations
topping the ranks. While emerging market
banks already grew faster than their advanced Banks all over the world are trying to reestablish
country counterparts prior to 2007, the financial customer confidence and spur organic growth.
crisis has further accelerated this trend. The Global banks are returning to core competencies
expected continued growth of emerging market and simplifying new products in order to adapt
banks and the likely stagnation (or even to a new era of customer expectations. Emerging
The Rise and Rise of Emerging
Market Banks
3. market banks are finding it easier to compete fragmented banking sectors), and across
with developed market banks by winning over borders. Large banks in China and other
local customers by providing greater access to emerging countries are likely to become
vital financial services. significant regional or global players over the
next 10 to 20 years through outward organic
According to Ernst & Young’s recently released and inorganic expansion.
global consumer banking survey 2011, titled “A
New Era of Customer Expectation”, the level of 4. Talent Acquisition:
customer trust in banks has fallen 55% in the
United States and 50% in Europe. But it has With Russian banks hiring investment bankers
dropped far less in key emerging markets such from London, Chinese banks recruiting
as India (down only 8%) and Brazil (off only 18%). American or European executives and Indian
banks seeking to attract staff with international
Opportunities for Emerging Market Banks: experience, developing world banks have
started to compete globally for talent. As they
1. Domestic Markets: internalize the knowledge of these employees,
so will their competitiveness in both domestic
Emerging market banks face a favorable and global markets increase.
situation in their domestic markets compared
to their advanced country peers. Firstly, their 5. Technology Adoption:
countries have large unbanked populations
promising growth opportunities. In contrast, Technology has made a major impact on the
the outlook for credit growth in advanced way banks process information. Financial
economies is bleak due to overall economic instruments, such as derivatives that enable
weakness and ongoing deleveraging among risk allocation based on appetite and ability
firms and households. Secondly, the are among the most significant innovations
macroeconomic outlook of emerging markets of modern banking. The use of such
is more positive. Unburdened by major instruments is not limited to developed market
sovereign debt problems or large current banks alone; thanks to their sophisticated IT
account deficits, most emerging markets are infrastructure, emerging market banks are
standing on a solid platform. Even though also able to transact in them. As a result, their
they will not be isolated from the problems in banking systems and financial markets are
Europe and the United States, the dependence positioned to move rapidly from a basic stage
of their banks on the West has diminished of development of risk management and
in recent years. other commercial banking functions to an
advanced one.
2. Retail Banking Sector:
In the same manner, the role of alternative
There is good potential for growth in the delivery channels, such as ATMs, debit cards,
retail banking sector in emerging markets, mobile, Internet and electronic banking, in
since mortgage and consumer credit lending developing commercial banking functions
is not as well developed as corporate and should not be underestimated. Given the
government lending (although both these poor penetration of these channels (with the
also offer considerable opportunities). Apart exception of ATMs), the vast majority of banks
from this, restructuring in emerging economies in emerging markets are focused on improving
should also create opportunities for private adoption. There is a big opportunity for them
equity firms in the short to medium term. to bridge the urban-rural digital divide by
reaching out to rural locations.
3. Mergers and Acquisitions:
International Expansion: Similar Difficulties
The rise of emerging economies is likely to
be associated with rapid growth of their key Developing world banks face exactly the same
banking players, as well as increased M&A set of problems as their western peers as they
activity, both within (by consolidation of try to expand abroad. Banks from advanced
The Rise and Rise of Emerging
Market Banks
4. countries have found that establishing a light future. Banks from emerging markets, being in a
presence in lots of countries is a great way to much better financial position, are likely to step
lose money. The same is likely to be true for into the void left by developed market banks,
emerging market banks, so the smarter firms are increasing their relative importance as foreign
trying to develop a competitive advantage that investors. The global financial system is therefore
they can export E.g. Indians can export the low likely to witness a shift towards emerging market
cost technology. banks domination. It will be interesting to see how
banks in emerging markets fuel the engine of
With a large part of funds yet to be allocated to growth with this shift in global power.
the unbanked population, most emerging market
banks face a credit crunch, hampering foreign References:
expansion. Also, regulators might oppose foreign
adventures as the use of domestic deposits to 1. Special report: Banking in emerging
finance a subsidiary overseas exposes the bank markets/The Economist/ 13 May 2010
to foreign exchange and counterparty risk.
2. Banking in 2050: How big will the emerging
Conclusion: markets get?/ Pricewaterhouse Coopers
3. The changing role of emerging-market
The emerging market banks which were plagued
banks/Author-Neeltje van Horen/ 25
by excess regulation and inefficiency a few
October 2011
decades back have finally come into their own
and are here to stay. With strong fundamentals 4. “A New Era of Customer Expectation”/Global
and regulatory mechanisms in place at these consumer banking survey by Ernst and
banks, the financial crisis has actually accelerated Young/2011
the pace at which these banks will overtake
their developed market peers. According to a 5. The Banking industry in the emerging market
report by PwC, the E7 banks (7 emerging economies: competition, consolidation and
countries which include the BRIC nations, systematic stability- an overview/ Authors-John
Indonesia, Turkey and Mexico) will overtake the Hawkins and Dubravko Mihaljek
G7 banks in assets by 2036, which is 10 years
ahead of its pre-crisis prediction. Emerging Author
market banks have set new rules in the Varun Chandra
business of banking, which developed market Associate Consultant
banks are trying to adjust to, making large Infosys
investments from their side unlikely in the near
The Rise and Rise of Emerging
Market Banks