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1) The document discusses a study on credit appraisal of refinancing auto loans at HDB Financial Services in India. 2) It aims to understand the credit appraisal process, tools used, and customer perceptions of HDB's financing. 3) The study found that credit appraisal depends on various financial parameters but also other factors, and that interest rates are a major factor due to competition.
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• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
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CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
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A STUDY ON LOANS AND ADVANCES BY VINAYAK KULKARNI M.COM 2015 (STUDY PURPOSE)
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Kanika tandon hdfc_bank_ltd._summer_internship_project...
Kanika tandon hdfc_bank_ltd._summer_internship_project...
A STUDY ON LOANS AND ADVANCES PROVIDED BY THE INDIAN BANK ZONAL OFFICE, TRICHY
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The document analyzes the market and proposes a financial model for a proposed 24/7 real estate TV channel in India. It discusses the company and project background, objectives, value proposition and target market. It also covers the channel's current and proposed programming, competitors in both direct and indirect real estate media, marketing strategy and strategic alliances. The document then outlines potential revenue sources and expenses, provides recommendations, and acknowledges limitations. In conclusion, it finds potential for the channel's growth given trends in India's media and entertainment industry.
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This presentation discusses why customers choose Matrix over other service providers in the telecom industry. It analyzes the growth of the Indian telecom sector and provides an overview of Matrix, including its products, partnerships, offices, competitors, and sales processes. A SWOT analysis identifies Matrix's strengths in international partnerships and competitive rates, and weaknesses in employee strength and lack of mobile number portability.
Sip ppt
This document summarizes a study on the training and development programs at Sushee Infra Pvt Ltd, a civil and infrastructure company. It finds that Sushee provides various in-house and external training to enhance employee skills in areas related to its mining, railway, and infrastructure projects. Based on a survey of 50 employees, it concludes that the training programs effectively communicate their objectives and are adequately designed to meet employee development needs. It recommends utilizing both subjective and objective evaluation approaches and providing all employees with at least one training program annually.
Social accounting ppt
The document discusses social accounting, which is communicating the social and environmental effects of organizations' actions to interested groups. It provides background on the history and definition of social accounting. The purposes are accountability, management, and control. Social accounting involves formal reporting and third party audits on areas like resources, employees, society, customers, and investors. Benefits include feedback and identifying strengths and weaknesses. Challenges for small organizations are the time and resources required. The process involves three steps - scoping values and stakeholders, designing the accounting system, and reporting and responding to results. An example of social accounting by Waterloo Co-operative Residence Incorporated is provided.
Sip ppt
This document discusses the benefits of systematic investment plans (SIPs) for mutual funds. SIPs allow investors to invest small, fixed sums regularly, which helps average out costs and take advantage of rupee cost averaging. By investing regularly over long periods, SIPs help compound returns and build wealth for the future in a disciplined manner. SIPs can be set up through post-dated checks or auto-debit from a bank account, making investments hassle-free. The benefits of SIPs include reduced risk, compounded returns, financial discipline, and helping investors accumulate wealth in a relaxed manner.
Ppt on wipro sip
This document summarizes a summer training presentation on research about Wipro products in education. The objectives were to compare different IT products used in colleges, find the criteria for purchasing products, and evaluate Wipro's image and demands in the education market. Primary research involved interviewing IT staff at 40 colleges. Findings showed criteria for purchasing is mainly price and quality, and HCL has a larger market share than Wipro. It was concluded that while Wipro is a large company, their strategy has not made them as successful in education as competitors like HCL, and they need a more flexible approach.
School Improvement Plan
The document provides information about formulating a School Improvement Plan (SIP) for 2016-2019. It discusses the legal basis for having an SIP, what an SIP entails, and the SIP planning process. The SIP is a 3-year roadmap that identifies interventions to be undertaken with community stakeholders. It is formulated based on school data and aims to improve learner outcomes. The planning process involves assessing the school's situation, identifying priority areas for improvement, determining objectives and root causes, and planning interventions over a 3-year timeframe. Key areas of focus for the SIP are access, quality, and governance of education. The workshop will guide participants through exercises to analyze school data and processes, select improvement areas, and develop the SIP.
Dabur ppt
Dabur India Limited is India's leading FMCG company with a turnover of Rs. 5,283 crore. It produces ayurvedic medicines and consumer products that are marketed in over 50 countries. Some of Dabur's top selling brands include Dabur Chyawanprash, Dabur Hajmola, Dabur Amla hair oil, and Dabur Red toothpaste. Dabur has manufacturing plants in India and several other countries, and continues to expand its operations both domestically and globally through new product launches, acquisitions, and facility investments.
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CREDIT APPRAISAL PROCESS OF HDB FINANCIAL SERVICES ppts
This document appears to be a presentation summarizing an internship project studying credit appraisal policy at HDB Financial Services. The presentation covers the non-banking financial company industry and HDB Financial Services company profile. It then discusses the objectives of studying credit appraisal process, tools used, research design involving a survey, findings, recommendations, and conclusions. The objectives were to understand credit appraisal, the process, required tools, and loan terms and conditions. A survey of 50 loan applicants examined customer perceptions of HDB's services and funding. Findings included some loans being sanctioned due to strong financial statements despite higher risk. Recommendations included exceeding branch credit limits to reduce workload and strictly following policies. The conclusion was that
Debt recovery techniques
This document summarizes a study on debt recovery techniques, problems, and prospects at BASIC Bank LTD's Shantinagar branch. The study investigated causes of non-performing loans through a survey. It found that major causes included economic downturns reducing business profits and consumer buying. It recommended that banks carefully assess borrowers' repayment abilities, monitor loan use closely, and address insider lending to minimize bad loans.
Credit appraisal in banking sector ppt @ bec doms
The document discusses credit appraisal processes in the banking sector. It defines credit appraisal as an investigation done by banks to assess the commercial, financial, and technical viability of loans and projects. The credit appraisal process involves evaluating a customer's financial condition, repayment capacity, collateral, and other factors. Banks consider the 3Cs of credit - character, capacity, and collateral. The document then provides details about specific credit appraisal methods, ratios, and processes used by State Bank of India.
Retail Loans
This document discusses retail loans offered by Bank of India. It provides an overview of the loan application and sanctioning process, including how credit scores are analyzed using CIBIL, Equinox and Equifax software. Key steps in the process include submitting a loan application, credit analysis, preparing loan documents, verifying documents, updating the loan system and disbursing funds to the customer. Factors that positively and negatively affect credit scores are also outlined.
A project report on customer satisfaction and credit procedure study of citif...
This document provides details about a study conducted on customer satisfaction and credit procedures for personal loans offered by Citifinancial in Dharwad, India. The study included analyzing Citifinancial's existing customers through questionnaires, understanding the personal loan market and Citifinancial's operations. Key findings were that most customers were satisfied overall but interest rates and processing fees were areas of dissatisfaction. The document also provides context on personal loans, Citifinancial and the methodology used in the study.
Sme loans
This document provides guidance to small and medium enterprises on obtaining loans from financial institutions in Malaysia. It discusses the three main stages of the loan application process: [1] Preparing a business plan, [2] Submitting the loan application, and [3] Assessment of the application. Key requirements that financial institutions evaluate include the business plan, financial documents, character of the borrower, capacity to repay, and collateral. The document also outlines the responsibilities of borrowers, their rights, cash flow management tips, and special government loan funds for small businesses.
Jai Prakash Power Venture - Credit Appraisal
One of the major concerns is the quality of bank lending. Maintaining rigorous credit standards is a significant challenge particularly in an environment for new competition and clients. There is a need for evaluating the borrower behavior rather than the cash flow analysis. The banking sector is facing a big burden with the increase in NPA’s. Therefore it is imperative that the banks conduct a strict credit appraisal. The term credit appraisal basically refers to the judging the credit worthiness of a borrower.
The main purpose of the report is to understand the different techniques applied while conducting a credit appraisal. For the purpose of credit appraisal Jai Prakash Power Venture Ltd a power generation and distribution company will be appraised based on various parameters like company background, background of the promoters, business of the company, financial statement analysis of the company the company valuation and other such factors.
Credit Appraisal - JP Power Ventures
This document discusses credit appraisal, which refers to assessing a borrower's creditworthiness or ability to repay debt. It explains that banks conduct thorough analyses using financial ratios, risk evaluations, and other concepts to judge if a borrower poses default risk. The key aspects banks examine include the loan reason, company finances/history, management, market conditions, and ability to meet obligations. Effective appraisals benefit both banks and firms. Banks ensure loan safety while firms can more easily obtain financing. The document also outlines various stages in the appraisal process like feasibility studies and investment phases to thoroughly evaluate creditworthiness over time like a project cycle.
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Irrespective of the loan type and the size of the lending organization, every loan application must followed these stages to reach fruition. The way in which a lending organization handles the origination system is characteristic of its efficiency and its ability to adapt to the dynamics of the industry.
Comparative Study of Housing Loan of HDFC and ICICI Bank
Purchasing the home of your dreams is not an easy task. Especially when you plan to buy a home on loan. Home loans means that you buy a house on installments. In simpler terms when you want to own a home and cannot afford to pay the amount in lump sum, you can pay it in monthly installments with an interest rate. There are number of companies offer cheap loans at a low interest rate You can avail loan against existing house for renovation or expansion etc. The demand for home loans will not sag much. The reason is a substantial rise in the income-generating capability of Indian youth. So this particular section will keep the housing loan demand high and increased lending rates can only shelve their plans for some time.
Neha ppt
This document analyzes home loans offered by various banks in India. It conducted a survey to understand customer preferences and behaviors. LIC Housing Finance (LICHFL) was the most preferred, though HDFC had the highest customer satisfaction ratings. The survey found that HDFC provided the best customer service and lowest documentation requirements. It suggests that all home loan providers should regularly update their policies and procedures to better meet customer needs.
Body of the report
The document provides an overview of Southeast Bank Limited, including its vision, missions, core values, strengths, competencies, business objectives, and commitments to clients. It then describes the bank's operational areas, departments, and organizational structure. The remainder of the document outlines the bank's credit management policies and procedures, including categories of loans, lending guidelines, the lending process from application to disbursement, the use of security, credit risk management, and risk grading system.
Credit Appraisal System for SME
This document discusses credit appraisal systems for small and medium enterprises (SMEs) in India. It outlines the banking industry landscape and classifications. The research methodology involves analyzing case studies of loan applications using various financial tools and ratios to evaluate capital budgeting, risk, and overall financial position. The findings show the case studies were positively assessed based on financials. Suggestions include improving rating mechanisms, personnel skills, and customizing products while revising credit policies periodically. The conclusion is credit appraisal considers multiple factors beyond just financials, including business viability, industry, management quality and loan conduct.
Harpreet_Singh_Bedi_CV
This curriculum vitae summarizes Harpreet Singh Bedi's professional experience and qualifications. He has over 10 years of experience in finance and has held several roles such as Branch Credit Manager, Marketing & Business Development Manager, and Territory Accounts Head. He has a Master's degree in Business Administration and Bachelor's degree in Commerce. His skills include operations management, team leading, training, quality control, and analytical capabilities.
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Credit appraisal involves investigating a customer's financial condition and ability to repay a loan before providing financing. It assesses the commercial, financial, and technical feasibility of a proposed project. A credit proposal communicates the goal, objectives, and type of financing being requested, such as project financing. The credit approval process considers the type of borrower, source of cash flows, collateral, and amount/type of claim. A proposal can function as communication, a plan, and a contract.
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This document summarizes the risk assessment process at Religare Finvest Ltd for lending to small and medium enterprises. It discusses the credit analysis process including pre-underwriting checks, ratio analysis, monitoring of loan repayments, and the 5C's model used to evaluate character, capacity, capital, collateral and conditions. Research methodology included reviewing annual reports and conducting primary interviews. Key findings were that Religare's turnover and current ratio increased significantly from 2013-2014, with most revenue coming from NBFC lending. The internship provided insight into evaluating a client's creditworthiness.
ABHISHEK AGRAWAL- Draft 9 without FCA
Abhishek Agrawal is a Chartered Accountant with experience in statutory audits and home loan underwriting. He received his CA from ICAI in 2014 with 56.875% and has over 3 years of experience. He is currently working as a Branch Credit Manager at Indiabulls Housing Finance where he appraises home loan applications over 25 lakhs and prepares MIS reports. Prior to this, he worked as a Management Trainee in equity research at Anand Rathi Shares analyzing company business models and computing intrinsic values. He also has 2 years of experience as an Article Assistant at Deloitte conducting statutory audits and reviewing internal controls.
UNIT 1 FINANCIAL CREDIT RISK ANALYTICS (1).pptx
Credit analysis is the process of evaluating the creditworthiness of a business or organization. It involves analyzing financial statements, cash flows, collateral, and other factors to assess the entity's ability to repay debt. The key aspects of creditworthiness evaluated are capacity, character, capital, cash flow, collateral, conditions, and control. The credit analysis process involves collecting information on the loan, business, and risks. The information is then analyzed to make a decision on the loan request and design an appropriate loan structure. Credit analysis is important for lenders to evaluate default risk and for investors to assess a debt issuer's ability to meet obligations.
Banking Documentation
This document provides an overview of the documentation required by banks for different types of loans. It begins with an introduction to the loan process and then discusses the basic documents required for all loan types, such as the loan application form, KYC documents, and CIBIL report. It then examines specific additional documents needed for various loan categories, such as housing loans, gold loans, cash credit/overdraft facilities, and car loans. Examples of loan application formats and a sample CIBIL report are also included for reference. The document aims to educate borrowers on the paperwork involved in securing different types of loans from banks.
Brm final ppt group 6, mba-3
The document summarizes a research project comparing customer satisfaction between ICICI Bank (a private sector bank) and State Bank of India (SBI, a public sector bank). The study aims to understand customer preferences and what banking services most influence customer choice. A questionnaire was administered to 100 respondents to collect primary data on satisfaction levels. Hypotheses include that customers value all attributes equally and that public sector banks provide greater security. The research design is descriptive and cross-sectional, analyzing customer perceptions of ICICI and SBI over 10 days. Likert scales were used to rank overall satisfaction levels.
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CREDIT APPRAISAL PROCESS OF HDB FINANCIAL SERVICES ppts
CREDIT APPRAISAL PROCESS OF HDB FINANCIAL SERVICES ppts
A project report on customer satisfaction and credit procedure study of citif...
A project report on customer satisfaction and credit procedure study of citif...
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Comparative Study of Housing Loan of HDFC and ICICI Bank
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Saurav Raj Risk Assessment in lending to SME's PPT - Copy
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快速办理(RWTH毕业证书)德国亚琛工业大学毕业证录取通知书一模一样
原件一模一样【微信：bwp0011】《(RWTH毕业证书)德国亚琛工业大学毕业证》【微信：bwp0011】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问微bwp0011
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二.真实使馆公证(即留学回国人员证明,不成功不收费)
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四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【微bwp0011】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Monthly Market Risk Update: June 2024 [SlideShare]
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
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【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
The Rise and Fall of Ponzi Schemes in America.pptx
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
高仿英国伦敦艺术大学毕业证（ual毕业证书）文凭证书原版一模一样
原版一模一样【微信：741003700 】【英国伦敦艺术大学毕业证（ual毕业证书）文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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一比一原版宾夕法尼亚大学毕业证(UPenn毕业证书)学历如何办理
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留信网认证的作用:
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
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留信网服务项目：
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2、国（境）学习人员提供就业推荐信服务
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我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
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Sip ppt akshay_16_dm111_hdbfs
- 1. “A Study of Credit Appraisal of Refinancing Auto Loans in HDB Financial Services & Analysis on Customer Perception towards HDB Funding” SIP Presentation on Credit Appraisal of Refinancing Auto Loans At HDB Financial Services - Akshay Kumar 1 SUMMER INTERNSHIP PRESENTATION Presented by- Akshay Kumar (16DM111) Faculty Mentor- Dr. Archana Choudhary Industry Mentor- Mr. Sudhanshu Parida
- 2. Company Profile Industry Non Banking Financial Institution (NBFC) Founded In2007 , HDFC 16508, Employees Headquarters Mumbai, India Area served India Key people Ramesh G, chairman & MD Products Personal loan, Business loan, Loan against shares, Loan against property, Loan against gold, etc. 2Source HDB portal
- 3. OBJECTIVE OF THE STUDY “statements describing what the project is trying to achieve & the effect or change that the project is supposed to cause” To study the meaning and importance of Credit appraisal To study the credit appraisal process In Refinance To understand the financial tools required for credit appraisal To understand the basic fundamentals of credit department To study and understand the terms and conditions of sanctions and advances To study the entire loan system 3
- 4. Character (integrity/w illingness) Capacity (ability/fin ancial soundness) Collateral (security) Capital (funds availability) Conditions (Reference check) 5C’s CREDIT APPRAISAL “An investigation/assessment done by the company before providing any loans & advances also checks the commercial, financial & technical viability of the project proposed its findings pattern and further checks the collateral security cover for the recovery of such funds”. 4
- 5. CREDIT APPRAISAL PROCESS Post sanction activities such as bank account review Disbursement of loan Final assessment of documentations, mortgages, agreements Sanction/Approval of proposal by concerned authority Assessment of the proposal (ABB bank balance, gross income) Preparing the financial data Preparation of CAM (credit approval memo) Check for the RBI defaulter list, CIBIL check, POSIDEX, ITR Pre sanction visit by the credit officer (Personal Discussion) Receipt of documents (Balance sheet, KYC, Gas receipt, Bank balances, Stability proof) Receipt of application from the applicant 5 Source google
- 6. SURVEY “procedure for collecting data to be analyzed” •To study consumer perception towards HDB financial services funding •The Research Design used is descriptive research design •Primary data •Survey •Interview •Sample size-50 •Randomly Loan Applicant OBJECTIVE RESEARCH DESIGN DATA COLLECTION SAMPLING SIZE & METHOD 6
- 7. TOOLS ON WHICH DATA ANALYSIS WAS CONDUCTED “excel is used to interpret the results” 1. Sole banking with the parent bank HDFC 36% 64% Sole Banking with HDFC Yes No 2. Already financed by HDB Financial services 28% 72% Finance from HDB Yes No 7 Source Self
- 8. 3. Services provided by HDB financial services Excellent Good Satisfactory Bad Very Bad 1 19 22 7 1 Services provided by HDB Excellent Good Satisfactory Bad Very Bad 4. Aware of loan charges 56% 44% Aware of loan charges Yes No 8Source HDB portal
- 9. FINDINGS ROI provide by HDB Strongly Agree Agree Neutral Disagree Strongly Disagree 1 11 26 11 1 ROI by HDB is High Strongly Agree Agree Neutral Disagree Strongly Disagree Credit and risk go hand in hand For each type of loan, there are different types of parameters After studying few cases, I found that in some cases, loan is sanctioned due to strong financial statements Credit appraisal mainly depends on the one most important factor which is the rate of interest as due to the competition. 9 Source self
- 10. LEARNINGS Credit appraisal is based upon Financial performance Business performance Industry outlook Quality of management Usually, it has been obsereved that the credit appraisal is basically done on the basis of fundamental soundness. But after seeing different types of cases , it can be concluded that credit appraisal system is not looking only on the financial parameters, there are other factors too. In all, the viability of the project from every aspects is analyzed, as well as type of the business, promoters past records, experience, long term plans plays a crucial role in increasing chances of getting project approved for loan. 10Source Self
- 11. SUGGESTIONS & RECOMMENDATIONS Branch credit limit should be exceeded as it helps to reduce the work load of all the related people Moderate rate of interest Policies and norms should be strictly followed for any cases by everyone Credit and other departments should work independently; no other departments should interfere in each other work Login of cases to be done with complete documents, incomplete documents will stretch the work and time of credit team Data Authentication 11 Source Self
- 12. Questions & Comments? Contact Details: Akshay Kumar 16DM111 MOB. No: +91 903-111-9544 Email Id: akshay.kumar18_bbsr@bimtech.ac.in 12