The document summarizes reforms in India's banking sector, particularly related to demonetization. It discusses two committees from the 1990s that proposed major banking reforms in India. It then covers the impacts and effects of demonetization in 2016, including the growth of digital banking and non-cash transactions. Both benefits and costs of demonetization are reviewed, such as expanded tax base but also economic slowdown. The future of India's banking sector is seen to involve increased technology and financial inclusion through digital services.
Para tener éxito en un negocio multinivel, se deben enfocar en dos pilares: la venta directa de productos y servicios a consumidores, y la formación de redes comerciales invitando a otros a unirse. Algunas estrategias clave incluyen seleccionar un mercado objetivo como personas ya en este tipo de negocio, no acosar a la gente sino usar la tecnología para promocionarse, y no solo enfocarse en nuevos afiliados sino ayudarlos a duplicar las ventas y crear su propio sistema de trabajo
3 Grandes Secretos Para Tener Exito en la Industria Multinivelguest075d9e
En "3 Secretos para Tener Exito en la Industria Multinivel" comparto, segun mi experiencia, las razones por las cuales fracasan la mayoria de emprendedores en la industria de network marketing o marketing multinivel, y como tu puedes evitarlo y convertirte en un empresario multinivel exitoso!
Integrated marketing communications (IMC) is defined as coordinating all marketing communication tools, messages, and sources to maximize impact on consumers. IMC aims to create synergistic brand messages through the integration of advertising, direct marketing, public relations, sales promotions, personal selling, digital marketing, sponsorships, and packaging. The goal of IMC is to build brands and brand equity by creating consistent brand experiences for customers across all touchpoints. Key to effective IMC is the coordination of all internal and external stakeholders involved in delivering brand messages.
Este documento describe las redes de mercadeo como una alternativa de negocio con altas probabilidades de éxito. Explica que las redes de mercadeo permiten apalancarse en el esfuerzo de otros para alcanzar mayores ingresos con menor inversión que un negocio tradicional. También resalta que la industria del bienestar es una de las de mayor crecimiento actualmente. Finalmente, da consejos sobre cómo tener éxito en redes de mercadeo enfocándose en aprender, capacitarse, ser perseverante y enfocarse en las
Marketing, Marketing Strategies, Their Importance, Different Marketing Strate...Preeti Acharya
The document discusses various marketing strategies used by companies to promote their products and increase sales and market share. It provides examples of ambush marketing used by Pepsi during a cricket match sponsorship, scarcity marketing by Rolls Royce limiting production, and cause marketing done by Tata and ITC to support social causes. One example discussed in detail is Daymond John's stealth marketing campaign for FUBU clothing by having popular hip hop artists wear the brand without paying for traditional advertising.
Sales Action Triggers: 6 Ways to Make Your Prospect Say “Yes”Business Wise Inc.
How can you trigger your prospects say “yes”?
Psychology. In fact, as marketing expert Dr. Robert Cialdini has argued, there are 6 proven psychological triggers that generate action. And the most successful sales reps use them to engage prospects and set appointments.
You can learn what these “triggers” are—and how to use them—in this presentation of Business Wise Insiders!
This document proposes a marketing strategy for UK factory outlet stores to increase footfall, sales, and brand loyalty. The strategy includes an Olympic roadshow that visits outlet stores over the summer to provide sports coaching and prizes. An iPad email marketing campaign and social media marketing on Facebook and Twitter are also proposed. The strategy's goals and key performance indicators such as sales, footfall, and social media engagement are outlined.
This document outlines an expanded framework of "12 P's" for marketing a business or nonprofit organization. It discusses positioning, people, process, plan, product, price, place, promotion, proposal, please, project management, and punctuate as key elements to consider. The goal is to provide a comprehensive approach to marketing that goes beyond the traditional "4 P's" and increases the potential for profits or donations.
Para tener éxito en un negocio multinivel, se deben enfocar en dos pilares: la venta directa de productos y servicios a consumidores, y la formación de redes comerciales invitando a otros a unirse. Algunas estrategias clave incluyen seleccionar un mercado objetivo como personas ya en este tipo de negocio, no acosar a la gente sino usar la tecnología para promocionarse, y no solo enfocarse en nuevos afiliados sino ayudarlos a duplicar las ventas y crear su propio sistema de trabajo
3 Grandes Secretos Para Tener Exito en la Industria Multinivelguest075d9e
En "3 Secretos para Tener Exito en la Industria Multinivel" comparto, segun mi experiencia, las razones por las cuales fracasan la mayoria de emprendedores en la industria de network marketing o marketing multinivel, y como tu puedes evitarlo y convertirte en un empresario multinivel exitoso!
Integrated marketing communications (IMC) is defined as coordinating all marketing communication tools, messages, and sources to maximize impact on consumers. IMC aims to create synergistic brand messages through the integration of advertising, direct marketing, public relations, sales promotions, personal selling, digital marketing, sponsorships, and packaging. The goal of IMC is to build brands and brand equity by creating consistent brand experiences for customers across all touchpoints. Key to effective IMC is the coordination of all internal and external stakeholders involved in delivering brand messages.
Este documento describe las redes de mercadeo como una alternativa de negocio con altas probabilidades de éxito. Explica que las redes de mercadeo permiten apalancarse en el esfuerzo de otros para alcanzar mayores ingresos con menor inversión que un negocio tradicional. También resalta que la industria del bienestar es una de las de mayor crecimiento actualmente. Finalmente, da consejos sobre cómo tener éxito en redes de mercadeo enfocándose en aprender, capacitarse, ser perseverante y enfocarse en las
Marketing, Marketing Strategies, Their Importance, Different Marketing Strate...Preeti Acharya
The document discusses various marketing strategies used by companies to promote their products and increase sales and market share. It provides examples of ambush marketing used by Pepsi during a cricket match sponsorship, scarcity marketing by Rolls Royce limiting production, and cause marketing done by Tata and ITC to support social causes. One example discussed in detail is Daymond John's stealth marketing campaign for FUBU clothing by having popular hip hop artists wear the brand without paying for traditional advertising.
Sales Action Triggers: 6 Ways to Make Your Prospect Say “Yes”Business Wise Inc.
How can you trigger your prospects say “yes”?
Psychology. In fact, as marketing expert Dr. Robert Cialdini has argued, there are 6 proven psychological triggers that generate action. And the most successful sales reps use them to engage prospects and set appointments.
You can learn what these “triggers” are—and how to use them—in this presentation of Business Wise Insiders!
This document proposes a marketing strategy for UK factory outlet stores to increase footfall, sales, and brand loyalty. The strategy includes an Olympic roadshow that visits outlet stores over the summer to provide sports coaching and prizes. An iPad email marketing campaign and social media marketing on Facebook and Twitter are also proposed. The strategy's goals and key performance indicators such as sales, footfall, and social media engagement are outlined.
This document outlines an expanded framework of "12 P's" for marketing a business or nonprofit organization. It discusses positioning, people, process, plan, product, price, place, promotion, proposal, please, project management, and punctuate as key elements to consider. The goal is to provide a comprehensive approach to marketing that goes beyond the traditional "4 P's" and increases the potential for profits or donations.
The document discusses financial inclusion in India. It notes that about 69% of the Indian population lacks access to basic banking services. The objective of financial inclusion is to ensure inclusive growth and equip disadvantaged groups with confidence to make financial decisions. While progress has been made in opening bank accounts, challenges remain around reach, delivery mechanisms, financial literacy, and infrastructure. Stakeholders must work together using appropriate technology and delivery models to further the goals of financial inclusion in India.
The document discusses and compares the services provided by public sector banks and private sector banks in India. It summarizes that private sector banks are offering more innovative services like internet banking, credit cards, and cash delivery. According to respondents, private sector banks provide better quality services and are more user-friendly, though some services have additional costs. Most private bank customers rate transactions and cash remittance times with their banks as excellent. Therefore, private sector banks are generally seen as providing higher quality services to customers in India compared to public sector banks.
This document provides an overview of the banking sectors in India, Namibia, and the state of Gujarat in India. It includes details on the geographical locations, populations, currencies, religions, ruling parties, and GDP compositions of India and Namibia. The banking industries of each country/region are described, including major players and their market shares. SWOT analyses are presented for the banking industries of India, Namibia, and Gujarat. Comparisons are made between the banking industries of Gujarat and Namibia in terms of bilateral trade opportunities.
Emerging Trends of Banking in India.pptxSumeshJohn5
The banking sector in India has undergone significant changes in recent decades due to economic reforms and advancements in digital technology. Key trends include a large increase in deposits and credit, widespread digitalization and electronic banking services, bank consolidation through mergers, and the adoption of universal banking models. New regulations have also led to new types of banks obtaining licenses while open banking initiatives like UPI have increased payment options. Growing non-performing assets, fraud prevention measures, and the implementation of international banking standards additionally reflect changes in the Indian banking system.
Implementing the aspects of financial inclusion in the phase of demonetisatio...IJLT EMAS
The concept of ‘financial inclusion’ was introduced by
the reserve bank of India in April 2005 with an objective of
delivering financial services to the economically challenged and
underdeveloped segment of the society at an affordable rate. RBI
encouraged the formal banking sector as well as the microfinance
sector to provide soft loans and savings facilities especially to the
poor with a flexible documentation process to attract them under
the umbrella of RBI. This will not only improve the financial
stake of the low-income group of the country, but also ensure
them a safe investment and will increase the portfolio size of the
bank and NBFCs. In 2014, The Government of India announced
‘Pradhan Mantri Jan Dhan Yojna” to expand the financial
inclusion project by bringing more people under banking and
banking spread sector. On 8th November 2016, Mr Narendra
Modi, Prime minister of India ceased 500 and 1000 rupee notes
as legal tender which can be termed as demonetization. Although
the immediate mission was to eradicate black money, fake money
and terror financing; it can be considered as a way forward to
the ‘Jan Dhan Yojna” and hence can be used as a strategy
instrument of imposing financial inclusion across the country.
This paper examines the advantages and disadvantages of
demonetization in implementing financial inclusion in India. In
spite of the fact that demonetization will force the people to make
their transaction through bank and NBFCs , there are serious
challenges like the liquidity crunch of the cash based segment of
the economy, the bank and digital literacy issues etc. In this
paper the challenging issues have been addressed as well as the
bottleneck of financial inclusion in post-demonetization period
has been discussed by identifying the crucial parameters like
percentage of people having bank account, the percentage of
people uses mobile and /or internet, the literacy percentage of the
country, the policy of the banks, the documentation requirement
of the bank and feasibility of the poor section etc.
Financial inclusion in India has grown significantly over the past decade due to government initiatives and innovations in banking. The Pradhan Mantri Jan Dhan Yojana (PMJDY) launched in 2014 aimed to provide universal access to banking services and has led to over 300 million new bank accounts. New fintech products like mobile banking, e-wallets and Aadhar-enabled payments have also expanded access. While progress has been made, further efforts are needed to boost financial literacy and ensure beneficiaries utilize banking services to alleviate poverty and raise living standards.
This presentation is based on Financial Inclusion, Financial Inclusion is the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair and transparent manner by mainstream institutional players.
This course focuses on commercial banking management including liabilities management, credit management, capital adequacy management, investment management, and risk management such as liquidity risk, interest rate risk, credit risk, and operational risk. It provides an overview of the Indian banking sector including its evolution, nationalization, financial reforms, policies, and current institutional structure. Key trends in the banking industry include increased competition, consolidation, globalization, technology adoption, and initiatives for financial inclusion.
Today, the banking industry in our country is stronger and capable of withstanding the pressures of competition. It withstood Global Financial Crisis (2008). In the era of Globalization Banking Sector in India is rapidly changing since 1990s due to technological innovation, financial liberalization with entry of new private and foreign banks, and regulatory changes in the corporate sector. Indian banking industry is gradually moving towards adopting the best practices in accounting, internationally accepted prudential norms, with higher disclosures and transparency, corporate governance and risk management, interest rates have been deregulated, while the rigour of directed lending is being progressively reduced. In our country, currently we are having a fairly well developed banking system with different classes of banks – public sector banks, foreign banks, private sector banks – both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the leader of the system. In the banking field, there has been an unprecedented growth and diversification of banking industry and our banks are now utilizing the latest technologies like internet and mobile devices to carry out transactions and communicate with the masses.
Current trends in banking sector (2015) EditionIsha Desai
The document discusses current trends in the Indian banking sector. It outlines that banks play an important role in capital formation by mobilizing savings and channeling them into productive investment. It then discusses trends in key sectors such as industry, small businesses, agriculture, e-commerce, and foreign exchange. Recent union budgets have increased caps on foreign investment and recapitalized public sector banks. The Reserve Bank of India helps implement monetary policy and focus development in different sectors. Overall, the banking sector is growing and adapting to increasing technology and customer needs.
Rani Singh-Financial Inclusion Issues and ChallengesRani Singh
This document discusses the challenges and issues around financial inclusion in India. It provides statistics that show progress expanding access to banking services, but notes that full inclusion has not been achieved. Key issues discussed include the need to cover all households, not just villages; ensuring technology platforms are robust; improving financial literacy; and overcoming operational challenges in rural areas. The Prime Minister's Jan Dhan Yojana aims to provide universal banking access to all households by 2015 through basic bank accounts with debit cards and insurance, but achieving widespread usage remains a challenge.
Financial inclusion – objectives - Micro finance as a Development Tool - The Indian Experience - Evolution and Character of micro finance in India - Micro finance Delivery Methodologies and models- Legal and Regulatory Framework- Impact of Micro finance - Revenue Models of Micro finance- Profitability, Efficiency and Productivity Emerging issues
1. A financial system consists of institutions, instruments, and markets that foster savings and channel them to their most efficient uses. It mobilizes and allocates savings, monitors corporate performance, provides payment and settlement systems, and offers diversified investment opportunities.
2. Capital formation involves diverting productive capacity toward making capital goods that increase future productivity. It requires increased savings through various means and the mobilization and investment of those savings through money and capital markets.
3. Banks play a key role in capital formation by accepting deposits and using fractional reserve banking to multiply the money supply through lending, stimulating further economic activity.
The document provides an overview of the banking sector in India. It discusses the evolution of banking from ancient times to modern banking in England in the 17th-18th centuries. It then covers the evolution and structure of banking in India, including the major players. The document also discusses Yes Bank specifically, providing details on its management, products/services, financials, clients, competitors and future plans. It concludes with an example job profile for an Associate/Manager in Corporate Banking at Yes Bank, outlining the key responsibilities, skills, challenges and career growth opportunities.
The document provides an overview of the banking sector in India, including:
1) It discusses the evolution and structure of banking in India, from ancient times to modern banking beginning in the 17th-18th centuries in England.
2) It outlines the major players and structure of India's current banking sector, which includes public and private sector banks, as well as non-banking financial institutions.
3) It analyzes the SWOT of India's banking sector and discusses opportunities and threats from factors like government policies, technological changes, and globalization.
The document discusses the history and current state of microfinance in India. It begins with an overview of what microfinance aims to be by providing small loans to impoverished individuals. It then discusses the rise and fall of microfinance institutions (MFIs) in India, from early growth in the 1980s-2000s to over-lending issues and client suicide crises in 2010-2011. The document analyzes factors that contributed to the MFI crisis in India, including exorbitant interest rates, client coercion, a focus on high growth over responsible lending, and multiple overlapping loans leading to over-indebtedness. It concludes by discussing regulatory options and the need for sustainable microfinance models going forward.
This document summarizes a student project presentation on the impacts of India's 2016 demonetization on the banking sector. The presentation covers how demonetization led to a large inflow of cash deposits into banks, an increase in new bank accounts and digital payment usage, and both opportunities and challenges for banks. It also reviews literature on the topic and analyzes primary data collected through questionnaires to evaluate demonetization's effects on bank operations and liquidity, currency in circulation, and other economic indicators.
The document discusses financial inclusion in India. It notes that about 69% of the Indian population lacks access to basic banking services. The objective of financial inclusion is to ensure inclusive growth and equip disadvantaged groups with confidence to make financial decisions. While progress has been made in opening bank accounts, challenges remain around reach, delivery mechanisms, financial literacy, and infrastructure. Stakeholders must work together using appropriate technology and delivery models to further the goals of financial inclusion in India.
The document discusses and compares the services provided by public sector banks and private sector banks in India. It summarizes that private sector banks are offering more innovative services like internet banking, credit cards, and cash delivery. According to respondents, private sector banks provide better quality services and are more user-friendly, though some services have additional costs. Most private bank customers rate transactions and cash remittance times with their banks as excellent. Therefore, private sector banks are generally seen as providing higher quality services to customers in India compared to public sector banks.
This document provides an overview of the banking sectors in India, Namibia, and the state of Gujarat in India. It includes details on the geographical locations, populations, currencies, religions, ruling parties, and GDP compositions of India and Namibia. The banking industries of each country/region are described, including major players and their market shares. SWOT analyses are presented for the banking industries of India, Namibia, and Gujarat. Comparisons are made between the banking industries of Gujarat and Namibia in terms of bilateral trade opportunities.
Emerging Trends of Banking in India.pptxSumeshJohn5
The banking sector in India has undergone significant changes in recent decades due to economic reforms and advancements in digital technology. Key trends include a large increase in deposits and credit, widespread digitalization and electronic banking services, bank consolidation through mergers, and the adoption of universal banking models. New regulations have also led to new types of banks obtaining licenses while open banking initiatives like UPI have increased payment options. Growing non-performing assets, fraud prevention measures, and the implementation of international banking standards additionally reflect changes in the Indian banking system.
Implementing the aspects of financial inclusion in the phase of demonetisatio...IJLT EMAS
The concept of ‘financial inclusion’ was introduced by
the reserve bank of India in April 2005 with an objective of
delivering financial services to the economically challenged and
underdeveloped segment of the society at an affordable rate. RBI
encouraged the formal banking sector as well as the microfinance
sector to provide soft loans and savings facilities especially to the
poor with a flexible documentation process to attract them under
the umbrella of RBI. This will not only improve the financial
stake of the low-income group of the country, but also ensure
them a safe investment and will increase the portfolio size of the
bank and NBFCs. In 2014, The Government of India announced
‘Pradhan Mantri Jan Dhan Yojna” to expand the financial
inclusion project by bringing more people under banking and
banking spread sector. On 8th November 2016, Mr Narendra
Modi, Prime minister of India ceased 500 and 1000 rupee notes
as legal tender which can be termed as demonetization. Although
the immediate mission was to eradicate black money, fake money
and terror financing; it can be considered as a way forward to
the ‘Jan Dhan Yojna” and hence can be used as a strategy
instrument of imposing financial inclusion across the country.
This paper examines the advantages and disadvantages of
demonetization in implementing financial inclusion in India. In
spite of the fact that demonetization will force the people to make
their transaction through bank and NBFCs , there are serious
challenges like the liquidity crunch of the cash based segment of
the economy, the bank and digital literacy issues etc. In this
paper the challenging issues have been addressed as well as the
bottleneck of financial inclusion in post-demonetization period
has been discussed by identifying the crucial parameters like
percentage of people having bank account, the percentage of
people uses mobile and /or internet, the literacy percentage of the
country, the policy of the banks, the documentation requirement
of the bank and feasibility of the poor section etc.
Financial inclusion in India has grown significantly over the past decade due to government initiatives and innovations in banking. The Pradhan Mantri Jan Dhan Yojana (PMJDY) launched in 2014 aimed to provide universal access to banking services and has led to over 300 million new bank accounts. New fintech products like mobile banking, e-wallets and Aadhar-enabled payments have also expanded access. While progress has been made, further efforts are needed to boost financial literacy and ensure beneficiaries utilize banking services to alleviate poverty and raise living standards.
This presentation is based on Financial Inclusion, Financial Inclusion is the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair and transparent manner by mainstream institutional players.
This course focuses on commercial banking management including liabilities management, credit management, capital adequacy management, investment management, and risk management such as liquidity risk, interest rate risk, credit risk, and operational risk. It provides an overview of the Indian banking sector including its evolution, nationalization, financial reforms, policies, and current institutional structure. Key trends in the banking industry include increased competition, consolidation, globalization, technology adoption, and initiatives for financial inclusion.
Today, the banking industry in our country is stronger and capable of withstanding the pressures of competition. It withstood Global Financial Crisis (2008). In the era of Globalization Banking Sector in India is rapidly changing since 1990s due to technological innovation, financial liberalization with entry of new private and foreign banks, and regulatory changes in the corporate sector. Indian banking industry is gradually moving towards adopting the best practices in accounting, internationally accepted prudential norms, with higher disclosures and transparency, corporate governance and risk management, interest rates have been deregulated, while the rigour of directed lending is being progressively reduced. In our country, currently we are having a fairly well developed banking system with different classes of banks – public sector banks, foreign banks, private sector banks – both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the leader of the system. In the banking field, there has been an unprecedented growth and diversification of banking industry and our banks are now utilizing the latest technologies like internet and mobile devices to carry out transactions and communicate with the masses.
Current trends in banking sector (2015) EditionIsha Desai
The document discusses current trends in the Indian banking sector. It outlines that banks play an important role in capital formation by mobilizing savings and channeling them into productive investment. It then discusses trends in key sectors such as industry, small businesses, agriculture, e-commerce, and foreign exchange. Recent union budgets have increased caps on foreign investment and recapitalized public sector banks. The Reserve Bank of India helps implement monetary policy and focus development in different sectors. Overall, the banking sector is growing and adapting to increasing technology and customer needs.
Rani Singh-Financial Inclusion Issues and ChallengesRani Singh
This document discusses the challenges and issues around financial inclusion in India. It provides statistics that show progress expanding access to banking services, but notes that full inclusion has not been achieved. Key issues discussed include the need to cover all households, not just villages; ensuring technology platforms are robust; improving financial literacy; and overcoming operational challenges in rural areas. The Prime Minister's Jan Dhan Yojana aims to provide universal banking access to all households by 2015 through basic bank accounts with debit cards and insurance, but achieving widespread usage remains a challenge.
Financial inclusion – objectives - Micro finance as a Development Tool - The Indian Experience - Evolution and Character of micro finance in India - Micro finance Delivery Methodologies and models- Legal and Regulatory Framework- Impact of Micro finance - Revenue Models of Micro finance- Profitability, Efficiency and Productivity Emerging issues
1. A financial system consists of institutions, instruments, and markets that foster savings and channel them to their most efficient uses. It mobilizes and allocates savings, monitors corporate performance, provides payment and settlement systems, and offers diversified investment opportunities.
2. Capital formation involves diverting productive capacity toward making capital goods that increase future productivity. It requires increased savings through various means and the mobilization and investment of those savings through money and capital markets.
3. Banks play a key role in capital formation by accepting deposits and using fractional reserve banking to multiply the money supply through lending, stimulating further economic activity.
The document provides an overview of the banking sector in India. It discusses the evolution of banking from ancient times to modern banking in England in the 17th-18th centuries. It then covers the evolution and structure of banking in India, including the major players. The document also discusses Yes Bank specifically, providing details on its management, products/services, financials, clients, competitors and future plans. It concludes with an example job profile for an Associate/Manager in Corporate Banking at Yes Bank, outlining the key responsibilities, skills, challenges and career growth opportunities.
The document provides an overview of the banking sector in India, including:
1) It discusses the evolution and structure of banking in India, from ancient times to modern banking beginning in the 17th-18th centuries in England.
2) It outlines the major players and structure of India's current banking sector, which includes public and private sector banks, as well as non-banking financial institutions.
3) It analyzes the SWOT of India's banking sector and discusses opportunities and threats from factors like government policies, technological changes, and globalization.
The document discusses the history and current state of microfinance in India. It begins with an overview of what microfinance aims to be by providing small loans to impoverished individuals. It then discusses the rise and fall of microfinance institutions (MFIs) in India, from early growth in the 1980s-2000s to over-lending issues and client suicide crises in 2010-2011. The document analyzes factors that contributed to the MFI crisis in India, including exorbitant interest rates, client coercion, a focus on high growth over responsible lending, and multiple overlapping loans leading to over-indebtedness. It concludes by discussing regulatory options and the need for sustainable microfinance models going forward.
This document summarizes a student project presentation on the impacts of India's 2016 demonetization on the banking sector. The presentation covers how demonetization led to a large inflow of cash deposits into banks, an increase in new bank accounts and digital payment usage, and both opportunities and challenges for banks. It also reviews literature on the topic and analyzes primary data collected through questionnaires to evaluate demonetization's effects on bank operations and liquidity, currency in circulation, and other economic indicators.
Similar to Reforms in banking sector after demonitisation (20)
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...mayaclinic18
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$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
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
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.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
1. Tolani College of
Commer ce
Presenting Regular Level Presentation on
“ REFORMS IN BANKING SECTOR - DEMONITISATION ”
Presented by : Miss. Sapna Yadav
First Year in B.COM ( BANKING & INSURANCE )
2. Introduction
• If Indian History of Banking Reforms studied
accurately, we will understand the what are
changes in our country after 20th century.
• The First NARASIMHAM COMMITTEE-I (1991) ( COMMITTEE
ON THE FINANCIAL SYSTEM – CFS )
Appointed by Shri. Manmohan Singh as India Finance Minister
in August 1991
• NARASIMHAM COMMITTEE-II (1998) ( COMMITEE ON
BANKING SECTOR REFORMS )
Appointed by P. Chidambaram as Finance Minister in December 1998
3. ABOUT NARASIMHAM COMMITTEE’S
• The purpose of the Narasimham-I Committee was to study all
aspects relating to the structure, organisation, functions and
procedures of the financial systems and to recommend
improvements in their efficiency and productivity. The Committee
submitted its report to the Finance Minister in November 1991
which was tabled in Parliament on 17 December 1991.
• The purpose of the Narasimham-II Committee was tasked with the
progress review of the implementation of the banking reforms since
1992 with the aim of further strengthening the financial institutions
of India. It focussed on issues like size of banks and capital
adequacy ratio among other things.
4. Demomitisation - India
• A Historic day in the History of India, when Primer Minister. Shri Narendra Modi has
announced the demonitisation of all Rs. 500 and Rs. 1,000 banknotes of Mahatma
Gandhi Series.
His Announcement was blown to the whole country.
First we introduce the man who has been credited with giving the government the idea
for demonitisation, believes that the exercise was absolutely necessary to improve the
health of the economy.
Which was the Founder and President of {“ Arthakranti Pratishtan ” }
Shri. Anil Bokil
5. The Founder of “ Arthakranti Pratishtan ” Shri. Anil Bokil. He first met Modi in
Ahmedabad in 2013, when the letter was announced as the prime ministerial
candidate for the Bharatiya Janata Party.
6. Brief History of Reforms in Banking
Sector
• By 1985, India had started having balance of payments problems.
• the end of 1990, it was in a serious economic crisis. The government was close
to default, its central bank had refused new credit and foreign exchange
reserves had been reduced to such a point that India could barely finance three
weeks’ worth of imports which led the Indian government to airlift national gold
reserves as a pledge to the International Monetary Fund (IMF) in exchange for a
loan to cover balance of payment debts.
• After Demonitisation Banking Sectors has faced a lot of trouble to to
providing banking services to large number of People’s in Nation.
• Since 2016 after demonitisation banking sectors has also Expanded Growth,
Now Everyone have Accounts An estimated 90% of the total Indian population
is reachable over the medium to be to take advantage of Banking services, Due
to DEMONITISATION THE GROWTH OF INDIA’S BANKING SECTORS ARE
TOUCHING THE HEIGHT OF SKY.
7. Demonitisation and its Effect on
Banking Sector
• Demonitisation is a tool to battle Inflation, Black Money, Corruption
and Crime, discourage a cash dependent economy and help trade.
• Banks are core part of any economy. They channelized the money
to the smooth functioning of different sectors. Initiatives of Green
Banking, made the banks to transform conventional banking
services into modern banking services. It created greater demand
to digital banking services where cashless transactions are
prioritized. Day to day operations of Banks are affected and found
tough in Management of liquidity and Employees.
• It made greater influence on Management of liquidity and its
demand raised by customers in exchanging of their banned
currency notes while minimizing risk and maximizing quality of
service.
8. After Demonitisation – INDIA
• Since 2016, Indian Banking Sector Present stance can be viewed as one of
the modernization and major transformation with the advent of Latest
Technology upgradation in banking sectors.
• Indian Rupee (INR) Stronger than currencies of other south Asian Nations
Pakistani Rupee, Sri Lankan Rupee, Bangladeshi Taka
• The products and services are offered through electronic devices with the
help of internet. Now a day, bank services are catered at the finger tip of
customers. Surgical Strike on Black Money called ‘Demonetization’
brought enormous changes in all the sectors of the country.
• A New form to Easily Access to advantages of Banking Sectors Service to
any common person stay connected with all types of Banking Services all
the things are possible in year of 2017. When Shri. Narendra Modi.
Became the Prime Minister of India.
9. Growth in Banking Sector Deposits
• During FY16–17, deposits grew at a CAGR of
12.03 per cent and reached 1.54 trillion by FY17.
• Strong growth in savings amid rising disposable
income levels are the major factors influencing
deposit growth.
• DEPOSITS UNDER PRADHAN MANTRI JAN DHAN
YOJANA (PMJDY), have also increased. As on
November 9, 2016, US$ 6,971.68 million were
deposited, while 255.1 million accounts were
opened.
10. Growth of ATM’s in India
• In ATM’s 50th year, recalling its growth — and
peak — in India
In this 1970s photo, a woman uses an
automated teller machine. 2017 marks the
50th anniversary of the ATM.
The banking system in India
notched a whopping one lakh plus
Automated Teller Machines (ATMs)
in the country, with public sector
banks accounting for a lion's share.
According to the latest data
released by National Payments
Corporation of India (NPCI), the
total number of ATMs in the
country is now 1,04,500 till
October, 2017.
11. Marginal Cost of Fund Based Lending
Rate (MCLR) After Demonitisation
• MCLR (Marginal Cost of Fund based Lending
Rate) is the internal benchmark rate for banks
used for benchmarking floating rate loans
effective from 1st April 2016.
• MCLR is based on cost of funds for banks and is
derived as sum of marginal cost of funds,
negative carry on account of CRR, operating costs
of banks and tenor premium.
• As MCLR is closely linked to repo rate, it will
improve the transmission of RBI’s repo rate cut to
the end borrower.
14. Impact of Demonitisation on Banking
Sector
• Demonitisation is a bold decision relating to economic policy of the
nation.
• The basic reason behind the decision is curbing all black money in
India.
• Hence it can be concluded that apart from disrupting daily lives of
common citizen, there are even bigger implication for the economy
as a whole.
• The impact of demonetization on Indian economy particularly on
business environment.
• It was found that as an impact of demonetization the interest rate
may go down, increases the employability opportunity, decrease the
price of the commodity and other product.
15. THE CONDITIONS OF BANK
• As per the Reserve Bank of India (RBI), India’s
banking sector is sufficiently capitalised and
well-regulated. The financial and economic
conditions in the country are far superior to
any other country in the world.
• Credit, market and liquidity risk studies
suggest that Indian banks are generally
resilient and have withstood the global
downturn well.
16. • Market Size
• Investments/developments
• Government Initiatives
• Road Ahead –
o Enhanced spending on infrastructure, speedy implementation of projects
and continuation of reforms are expected to provide further impetus to
growth. Also, the advancements in technology have brought the mobile
and internet banking services to the fore.
o The banking sector is laying greater emphasis on providing improved
services to their clients and also upgrading their technology infrastructure,
in order to enhance the customer’s overall experience as well as give
banks a competitive edge
THE FUTURE SEENARIO
17. Banking on technology: India’s
banking industry
• Banking today is a flourishing industry,
focused on technological innovation. Internet
banking has emerged as the biggest focus area
in the “Digital Transformation” agenda of
banks.
18. Features in Banking Sector after
Demonitisation
• INTERNET BANKING
• BUSINESS INTELLIGENCE
• CUSTOMER MANGEMENNT
• RISK MANAGEMENT AND INFROMATION
SECURITY
• TECHNOLOGY IN TRAINING AND E-LEARNING
• FINANCIAL INCLUSION
• MOBILE BANKING
• PAYMENT SYSTEMS
19. Demonitisation Effects on the
Economy
• Economic costs
The rural and informal economy suffered
disproportionately because most transactions
are cash-bases. The liquidity squeeze led to a
pile-up at wholesale markets, leading to a sharp
decline in the Wholesale Price Index (WPI) of
perishables such as fruits and vegetables in the
immediate aftermath of demonitisation.
20. Demonitisation Effects on the
Economy
• The slowdown in the economy, which started
before demonetisation, also seems to have
been exacerbated by demonetisation. New
project announcements declined sharply in
the wake of demonetisation, a Centre for
Monitoring Indian Economy (CMIE) analysis
showed, hurting the capex cycle.
21. Uncertain benefits
• The one big promise of demonitisation was a rapid
expansion in the tax base but the actual results have been
quite modest. According to the finance ministry’s estimates
published in the latest Economic Survey, the tax base
expansion attributable to demonitisation was Rs10,600
crore, lower than what RBI spent on interest expenses, and
equivalent to only 0.1% of India’s gross domestic product
(GDP).
• Demonitisation did provide a boost to non-cash payments
in the short term but that effect may be waning, with the
cash-to-GDP ratio back to double-digits
22. INDIA VISION – 2020
o According to commitment given by India’s Greatest
Scientist Shri. APJ Abdul Kalam INDIA VISION 2020,
It will be in Reality.