Comparative study of non interest income of the Indian Banking SectorGaurav Sharma
There are two broad sources of bank revenues:
1. Interest income
2. Non-interest income.
Interest income is generated from what is known as “the spread.” The spread is the difference between the interest a bank earns on loans extended to customers, corporate etc and the interest paid to depositors for the use of their money. It is also earned from any securities that the banks own, such as treasury bills or bonds.
Non-interest income is earned by providing a variety of services, such as trading of securities, assisting companies to issue new equity financing, securities commissions and wealth management, sale of land, building, profit and loss on revaluation of assets etc.
As compared to the developed world, the Indian banking sector, apart from the relying on traditional sources of revenue like loan making are also focusing on the activities that generate fee income, service charges, trading revenue, and other types of noninterest income. While noninterest income plays an important role in banking revenues in the developed world, its contribution to the total income of the Indian banking was 25% as on 31st March 2008.
SEBI and Investor Protection-B.V.RaghunandanSVS College
Investor protection measures as presented by B.V.Raghunandan in National Conference on Merchant Banking held at NSS College, Manjeri, Kerala State, India on August 8, 2007
Bangladesh Bank issued guidelines on commercial paper. This presentation shows the background of commercial paper; its role in financial crisis, risks and mitigants related to commercial paper in context of Bangladesh.
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Comparative study of non interest income of the Indian Banking SectorGaurav Sharma
There are two broad sources of bank revenues:
1. Interest income
2. Non-interest income.
Interest income is generated from what is known as “the spread.” The spread is the difference between the interest a bank earns on loans extended to customers, corporate etc and the interest paid to depositors for the use of their money. It is also earned from any securities that the banks own, such as treasury bills or bonds.
Non-interest income is earned by providing a variety of services, such as trading of securities, assisting companies to issue new equity financing, securities commissions and wealth management, sale of land, building, profit and loss on revaluation of assets etc.
As compared to the developed world, the Indian banking sector, apart from the relying on traditional sources of revenue like loan making are also focusing on the activities that generate fee income, service charges, trading revenue, and other types of noninterest income. While noninterest income plays an important role in banking revenues in the developed world, its contribution to the total income of the Indian banking was 25% as on 31st March 2008.
SEBI and Investor Protection-B.V.RaghunandanSVS College
Investor protection measures as presented by B.V.Raghunandan in National Conference on Merchant Banking held at NSS College, Manjeri, Kerala State, India on August 8, 2007
Bangladesh Bank issued guidelines on commercial paper. This presentation shows the background of commercial paper; its role in financial crisis, risks and mitigants related to commercial paper in context of Bangladesh.
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
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Smu bba sem 3 spring 2016 assignments, smu solved assignments ,smu assignments ,smu mba assignments ,smu mba solved assignments ,smu mba spring 2016 assignments
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SMU ASSIGNMENTS, SMU MBA ASSIGNMENTS, SMU SOLVED ASSIGNMENTS, SMU MBA FALL 2014 ASSIGNMENTS, SMU MBA SEM 4 ASSIGNMENTS, SMU, MBA, ASSIGNMENTS, SMU MBA SEM 4 FALL DRIVE ASSIGNEMNTS, ASSIGNMENTS HELP, SMU, HELP, NOMINAL COST
Smu bba sem 3 spring 2016 assignments, smu solved assignments ,smu assignments ,smu mba assignments ,smu mba solved assignments ,smu mba spring 2016 assignments
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SMU ASSIGNMENTS, SMU MBA ASSIGNMENTS, SMU SOLVED ASSIGNMENTS, SMU MBA FALL 2014 ASSIGNMENTS, SMU MBA SEM 4 ASSIGNMENTS, SMU, MBA, ASSIGNMENTS, SMU MBA SEM 4 FALL DRIVE ASSIGNEMNTS, ASSIGNMENTS HELP, SMU, HELP, NOMINAL COST
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
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Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
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SMU MBA SEM 3 BANKING SPRING 2015 ASSIGNMENTS
MA0036 & FINANCIAL SYSTEM & COMMERCIAL BANKING
1 Financial system is a set of inter-related economic activities working together to achieve
economic development. Explain the significance, characteristics, need and importance of
financial system.
Significance of financial system
Characteristics of financial system
Need and importance of financial system
2 Money market is one of the type of financial market. Explain the features of money market
and writethe constituentsof moneymarket.
Features of money market
Constituents of money market
3 Write shortnoteson:
a)Commercial Banks
b)Co-operativeBanks
c) Post office
4 The business of commercial banks deals with Liability products and asset products.
Explaintheimportantfeaturesof liabilityproducts.
Important features of liability products and explanation of all
5 Explain the Chore committee recommendations and also write about the challenges and
issuesoffinancial reforms.
Chore committee
Challenges and issues of financial reforms
6 Explaintheperspectivesinretail bankingand perspectivesinRegulation.
Explanation of perspectives in retail banking
Explanation of perspectives in regulation
MA0037 & BANKING RELATED LAWS AND PRACTICES
1 Bank accepts different types of deposits and based on this you will have to answer these.
Explaintheacceptanceof deposits.Writeabout the maintenanceofcashreserves.
Explanation of acceptance of deposits
Explanation of maintenance of cash reserves.
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2 What do you understand by contract of guarantee? Write the differences between contract
of indemnity and contract of guarantee. Explain the essential features of a contract of
guarantee.
Meaning of contractof guarantee
Differencesbetween contractof indemnity and contractof guarantee
Essential features of a contract guarantee
3 Explain the appointment of adjudicating authority, procedure for adjudication Foreign
Exchange Management Act (FEMA). Write the differences between contravention and
compounding.
Explanation of adjudicating authority
Explanation of procedure for adjudication
Differencesbetween contraventionand compounding
4 Explain the establishment of consumer disputes redressal agencies and write about
compositionofdistrictforumsandJurisdictionofdistrictforum.
Explanation of consumer disputes redressal agencies
Explanation of composition of district forums
Explanation of jurisdiction of district forum
5 Write the purposes of disciplinary sanctions for breach of the code. Write the internal
procedure guidance. Give the differences between banking ombudsman and Banking Codes
and StandardsBoardofIndia(BCBSI).
Explanation of breach of code
Explanation of internal procedure guidance
Differencebetween banking ombudsman and BCBSI
6 Write the loan policy of RBI given to co-operative banks. Give the important guidelines
fromRBI ondeposits.
Explanation of loan policy of RBI
Guidelines from RBI on deposits
MA0038 & BANKING OPERATIONS
1 Banking accepts deposits of money from public for the purpose of lending and investment.
Basedonthis explainthe principlesofbankingandpaymentsystemconstituent.
Explanation of principles of banking
Explanation of payment system constituent
2 To reach a destination, a definite plan is required. Business planning creates definite
strategies. Give the introduction of business planning and targeting. Write down steps
involved in the process of business planning and targeting and explain the planning tools
and methodsput in analysis.
Introduction of business planning and targeting
Steps involvedin the process of business planning and targeting
Planning methods and tools
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3 Banks accepts deposits and deposits are repayable to the depositors through the proceeds
of investment and loans. You are supposed to explain the need for credit policy with bank
rates. Also explainthecreditprocess.
Explanation of need forcredit with bank rates
Explanation of credit process
4 Write shortnoteson:
a) Interest rate risk
b) On-balancesheetadjustment
c) Off-balancesheetadjustment
Explanation of interest rate risk
Explanation of on-balance sheet adjustment
Explanation of off-balance sheet adjustment
5 What do u understand by forfaiting? Explain on Forfaiting an export finance option. Write
the benefitsofexportersfromforfaiting.
Meaningofforfaiting
Explanation of forfaiting an export finance option
Explanation of benefits of exporters from forfaiting
6 Explain Automated Teller Machine (ATMs), write the benefits of ATM. Explain the benefits
ofleveragingtechnology.
Explanation of ATM
Benefits of ATM
Benefits of leveraging technology
MA0039 & RETAIL BANKING
1 Explain the reasons for retail growth- An analysis. Give the advantages of retail banking.
Explainthebarriersto the developmentofbankingsectorinIndia.
Explanation of reasons for retail growth-an analysis
Advantages of retail banking
Explanation of the barriers to the development of banking sector in India.
2 Write shortnoteson:
a) DoorstepBanking
b) MobileBanking
Door step banking
Mobile Banking
3 Explainaboutthetypes ofcustomersin retail banking.
Individuals
Joint accountholder
Sole proprietor
Partnership
Karta
4 Explainaboutchequeandits features.Explaintheaspects onwhicha bankerhas to verify.
Explanation of cheque and its features
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Explanation of aspects on whicha banker has to verify
5 Explainaboutclearingchequeanditsfeatures.ExplainaboutInter BankSettlements.
Explanation of clearing cheque
Explanation about Inter bank settlements
6 Explainon Leveraging Technology. Write about Product and process innovation. Also write
downonTechnologyVsGlobal competition.
Explanation on leveraging technology
Explanation on product and process innovation
Explanation on Technology Vs Global competition
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