This document discusses banking products and services at Sanima Bank in Nepal. It begins by introducing fee-based and fund-based banking products and services. It then provides details about specific fee-based corporate and retail services as well as fund-based services like working capital, financing, and bill discounting. The document also provides an overview of Sanima Bank, including its vision, mission, capital structure and shareholding pattern. Several questions are then asked and answered regarding upcoming products, customer utilization and satisfaction, competitive advantages, impacts of regulations, customer demands, and the security of Sanima Bank's e-banking services.
Digital” is the new buzz word in the banking sector, with banks all around the globe hopping onto the digital bandwagon. Banks of all sizes are making sizeable investments in digital initiatives in order to maintain a competitive edge.
This presentation covers the Payments systems in India. It starts with Introduction and then cover paper payment systems like Cheque Truncation System (CTS), MICR, CTS 2010. In Electronic payment systems it covers RTGS, IFSC, UTR No, NEFT, IMPS & difference between them. It also covers the limitations of Indian Payment system. In last leg it covers in detail SWIFT in details with latest statistics
out line of this Presentation.
Elaboration of Mobile banking.
What is the Mobile banking.
How to connect with Mobile banking.
Features & Benefits of Mobile banking.
Advantages & Disadvantages of M-banking
Mobile banking in world.
Mobile banking in sri lanka.
Digital” is the new buzz word in the banking sector, with banks all around the globe hopping onto the digital bandwagon. Banks of all sizes are making sizeable investments in digital initiatives in order to maintain a competitive edge.
This presentation covers the Payments systems in India. It starts with Introduction and then cover paper payment systems like Cheque Truncation System (CTS), MICR, CTS 2010. In Electronic payment systems it covers RTGS, IFSC, UTR No, NEFT, IMPS & difference between them. It also covers the limitations of Indian Payment system. In last leg it covers in detail SWIFT in details with latest statistics
out line of this Presentation.
Elaboration of Mobile banking.
What is the Mobile banking.
How to connect with Mobile banking.
Features & Benefits of Mobile banking.
Advantages & Disadvantages of M-banking
Mobile banking in world.
Mobile banking in sri lanka.
“Digital” is the new buzz word in the banking sector, with banks all around the globe hopping onto the digital bandwagon. Banks of all sizes are making sizeable investments in digital initiatives in order to maintain a competitive edge. Vijaya Bank shows us what are the benefits of the digital banking.
Principles and Practices of Banking Module 5ARUNKUMAR7358
Banking Technology
Concept of universal banking
Home banking
ATM’s
Internet banking
Mobile banking
Core banking solutions
Debit, credit and smart cards
Electronic payment system
MICR
Cheque truncation
ECS
EFT
NEFT
RTGS
Books referred - Dr.Nirmala Prasad, K. Chandrasass j (Banking and financial system)& Mithani, Gordan (Banking and financial systems)
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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 telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
2. INTRODUCTION
• The product mix for business banking
services is very broad and product lines
are deep, with many product items.
Products are often customized to the
needs of the customer. There can be two
type of banking products;
1. Fee based Banking Products/ Services
2. Fund based Banking Products/ Services
3. FEE BASE BANKING PRODUCT
AND SERVICE
• Broadly fee based services can be divided
into two categories:
1.Corporate fee-based services
2.Retail fee-based service
4.
5. Fund based services
• Fund based services are those where bank has
to make the investment. There is a cost and risk
of these services and return expected from
them. Some of the
• Fund based Banking Products/Service
1.Working Capital
2.Finance
3.Short Term Finance
4.Bill Discounting Export Finance
5.Term Lending Buyer’s Credit /
6.Supplier’s Credit
6.
7.
8. SANIMA BANK
• Sanima, promoted by prominent and
dynamic Non-Resident Nepalese (NRNs)
Businessmen, commenced its operation in
2004 as a National Level Development
Bank.
• Since February 2012, Sanima has been
functioning as an "A" Class Commercial
Bank with its registered office at
'Alakapuri', Naxal, Kathmandu.
9. • Sanima Bank offers a wide range of
banking products and financial services to
corporate and retail customers through 74
full-fledged branches and one extension
counter from all 7 provinces.
Vision
To be a trusted and leading bank in Nepal.
Mission
To satisfy investors, staff, customers,
regulators and the people of the
community we serve.
10. Capital Structure (As on Asar End 2074)
• Authorised Capital :Rs.9,000,000,000
• Issued Capital :Rs.8,001,255,440
• Paid-up Capital :Rs.8,001,255,440
Shareholding Pattern
• Promoters :51%
• General Public :49%
11.
12. What can be upcoming products and services of
sanima bank?
• New upgraded technologies such as tab
banking, online banking, mobile banking,
home based services etc are emerging as
upcoming demanded services.
• Bancassurance has become one of the
emerging products in banking industry which
is creating huge contribution in generating fee
based income. Mobile app based banking
services are also being popular in today’s
market due to its user friendly interface and
easy accessibility.
13. Are customers properly utilizing the product
and services of bank?
• Since our product and services are easily
accessible to our customer due to our
excellent customer service before and
after sales, it is expected that we are
successful to attain maximum satisfaction
from our customers.
14. Which product is the competitor product that
helps in profit maximization?
• Our entire products and services are
targeted to attain maximum customer
satisfaction thus, our all of our products
are helping in profit maximization.
15. Now, we know that NRB has put constraint on real
estate lending? What sort of impact is experienced
by bank as well as customer?
• Regulatory body kept restriction in real
estate lending previously in order to keep
the banking sector stable and healthy, and
• To avoid over financing in single sector
thus such restriction won’t have negative
impact on bank and customers as well,
and this restriction working in positive
ways .
16. What do you think about new products and
services of bank & what’s may be customers
wants and demands?
• In today’s context customers are more
aware about costs, security, accessibility,
etc. Thus new products and services need
to be techno friendly, user friendly, easily
accessible, trustworthy, and advanced as
per the demography of population.
• Since the Commercial banks are moving
towards rural areas which are also
accompanied by NRB, products and
services need to be developed as per the
17. • For e.g Tab based online banking in the
rural municipality of Karnali region may not
be applicable in such places branchless
banking may be applicable. The product
and services in the context on Nepal need
to be developed as per the demand of
people and geographical locations and
populations.
18. Is your e-banking effective and secure?
• At Sanima i-Banking, we know that the
confidentiality of your personal information and
security is very important to you and we are
committed to provide you with a safe and secure
online environment for your banking needs. We
bring together a combination of industry-
approved security technologies to protect data
for the Bank and for you, our customer.
• It features password-controlled system entry, a
VeriSign-issued Digital ID for the Bank’s server,
Secure Sockets Layer (SSL) protocol for data
encryption, a router loaded with a firewall to
regulate the inflow and outflow of server traffic,
19. • In addition, we continually take proactive steps
to ensure that our security solutions are in line
with enhancements and advancements in the
industry. However, as the end-user, you also
play a key role in safeguarding your account
information and transactions.