Survival Strategy For Indian Banks-B.V.raghunandan
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comparison of Indian banking in the light of US turmoil with US banks and a dialogue on the course of action for Indian banks
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The largest bank, and the oldest still in existence, is the State Bank of India. It originated as the Bank of Calcutta in June 1806.
The Reserve Bank Of India was established in 1935
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Lecture # 8 financial inclusion small finance banks
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Presentation on banking sector needs consolidation
Small banks and payment banks-proposed in uly 2014 by RBI- b.v.raghunandan
Small banks and payment banks-proposed in uly 2014 by RBI- b.v.raghunandan
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This document summarizes the keynote speech given by B.V.Raghunandan at the National Conference on Capital Market in Kundapura, India in December 2013. The speech focuses on protecting retail investors in organized markets and reversing the falling retail participation in Indian stock markets. It argues that retail investors are essential for a stable and naturally ready market. However, over-regulation, changing rules, and an overemphasis on technology and foreign models have made markets less accessible and profitable for retail investors. The document proposes several reforms like banning free pricing of IPOs, limiting reporting requirements, and prohibiting revenue guidance, technical analysis, and circular trading to protect retail investors and restore stability in the market.
Recession -B.V.Raghunandan
The document discusses the global recession and its impact on the Indian economy. It describes the characteristics of a recession such as reducing sales, profits, investment and government revenue. It analyzes the causes of the US recession such as risky mortgage-backed securities and derivatives, and the collapse of the housing market in the late 2000s. For India, it notes both negative impacts like reduced exports and FDI, and positive impacts like stopping reckless westernization and increased domestic industry development.
Economic Recession & World Trade-B.V.Raghunandan
The impact of the US-Financial crisis on the world trade as presented by B.V.Raghunandan in a guest lecture
Fdi in indian retailing industry b.v.raghunandan
1. The document discusses foreign direct investment (FDI) in multi-brand retailing in India, including the recent government move to allow 51% FDI in multi-brand retail over 30% FDI in single brand retail.
2. It also discusses the widespread political opposition to FDI in retail from parties dominated by agricultural mandis who fear the removal of middlemen. However, FDI could encourage contract farming and better processing/marketing of agricultural produce.
3. Some examples of Indian and multinational corporations engaged in agricultural value chains through contract farming and rural development initiatives are provided, demonstrating the potential positive impacts on farmers.
Basic Financial Concepts-B.V.Raghunandan
The three main tasks of a finance manager are to measure income or return, measure risk, and understand the risk-return trade-off. To measure income, a manager calculates return on investment by relating operating profit to capital employed. Measuring risk involves determining systematic risk from unsystematic risk using tools like standard deviation, sensitivity analysis, and beta factors. Finally, the risk-return trade-off examines how additional risk can impact potential returns.
Marketing concepts for Banking-B.V.Raghunandan
Application of principles of marketing in banking as presented by B.V.Raghunandan at Karnataka Bank Staff Training College, Mangalore
Bottom of the pyramid strategy dewesternising marketing concepts-b.v.raghunandan
The document discusses bottom-of-the-pyramid marketing strategies as an alternative to traditional Western marketing concepts. It notes that bottom-of-the-pyramid strategies target the lowest strata of society by focusing on affordability and cost-cutting. This allows companies to provide essential, affordable products to untapped markets with stable demand while keeping expenses low and not requiring expensive managerial personnel. Many Indian and Chinese companies have successfully utilized these bottom-of-the-pyramid strategies.
Rbi & indian economy b.v.raghunandan
The document discusses the role and responsibilities of the Reserve Bank of India (RBI) in several key areas:
1) It outlines RBI's relationship with the government and its role in framing monetary policies while maintaining independence.
2) It describes RBI's role in promoting stability in the banking system through liquidity management, rural branch expansion, and regulating different types of banks.
3) It discusses RBI's development and regulation of payment systems and technologies in India.
4) It summarizes RBI's management of foreign exchange reserves and monitoring of foreign institutional investments.
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analysis of sbi
State Bank of India (SBI) is India's largest bank. It was founded in 1806 and is majority owned by the government of India. SBI has over 17,000 branches across India and internationally. The document discusses SBI's strategic evolution over time in response to changes in ownership, governance, business processes, and structures. It analyzes SBI's competitors, products, marketing mix, SWOT analysis, and external environment using PEST and Porter's Five Forces frameworks. The analysis identifies SBI as the market leader and a "cash cow" given its continued growth and profitability.
Private sector banks swot analysis
This document analyzes the SWOT of private sector banks in India. It discusses their evolution since the early 20th century and present scenario. Private banks have strengths like professional manpower, efficiency, and compliance with regulations. Their weaknesses include limited geographic reach and high employee turnover. Opportunities exist in decision making autonomy and technology, while threats include competition from foreign and public sector banks. Specific SWOT analyses are also provided for ICICI Bank, Kotak Bank, and Axis Bank.
Microfinance
Microfinance aims to provide financial services to low-income populations. In India, microfinance reaches over 33% of the population through self-help groups (SHGs) and microfinance institutions (MFIs). SHGs help empower the poor through collective decision making and access to banking. MFIs face challenges including high operating costs due to low-value transactions, and a lack of trained talent and infrastructure. Financial inclusion efforts in India are focusing on new banking licenses, mobile payments, ATM rollout, and using Aadhaar identification to expand access to financial services. Recommendations include incentivizing mainstream banks to enter microfinance and building community-based financial institutions.
Local Bank Financial Constraints and Firm Access To E-Fin.pptx
The document discusses the financial constraints and limited access to external capital that urban cooperative banks (UCBs) in India face. It notes that UCBs rely primarily on retained profits and member contributions to raise capital. The options to issue preference shares or long-term deposits to raise funds are not very attractive to investors. UCBs also face restrictions on their lending activities, such as limits on unsecured loans and loans to relatives of directors. The capital and lending constraints can prevent UCBs from pursuing profitable investment opportunities and lead to underinvestment.
STRATEGY ANALYSIS OF RBL BANK LTD
RBL Bank is one of India's fastest growing private sector banks with operations across 20 states. It has over 4.9 million customers served through a network of 342 branches and 199 banking outlets. The bank focuses on corporate and institutional banking, commercial banking, transaction banking, branch and business banking, and retail assets as its key operating verticals.
Through a partnership-driven strategy, investments in technology and financial inclusion initiatives, RBL Bank is achieving scale and growth. It has formed partnerships across multiple segments to boost customer acquisition and lower costs. The bank also aims to expand access to banking in rural areas and among lower-income households through initiatives like increasing its stake in Swadhaar Finserve.
Strong risk
Payments banks sekhar suman mohanty ximb
Payments banks will change India's financial services landscape by promoting financial inclusion. They can help underserved populations gain access to services like domestic remittances and microinsurance at lower costs than informal options. Payments banks face challenges like developing sustainable revenue models with narrow interest margins and competing with established banks and fintech firms. However, they may impact the industry by widening access through partnerships and mobile technology, helping transition India to a less-cash economy with benefits like reduced printing costs. Their success could demonstrate profitable rural banking through lower fees and transformed the underbanked segments.
Indian Banking Industry Sustaining Growth with Equity - Pest Analysis of the ...
The Indian banking Industry is governed by the monetary policy decided by the Reserve Bank of India
Rbi
The Reserve Bank of India (RBI) is India's central bank. It was established in 1935 under the RBI Act and was nationalized in 1949. RBI regulates monetary policy and banking operations in India through various quantitative and qualitative methods. It acts as a bank for the government and commercial banks and manages foreign exchange reserves and monetary policy tools like bank rate, open market operations, and cash reserve ratio to regulate money supply.
Situation Analysis Of Banking Sector In India
The document provides an overview of the banking sector in India. It discusses the role and functions of the Reserve Bank of India as the central bank. It then summarizes the differences between nationalized and private banks. The document also provides details about ICICI Bank and State Bank of India, including their services, SWOT analyses, and the current scenario and requirements of the banking sector.
Financial Inclusion in India
The document discusses financial exclusion in India, where nearly half the population is unbanked and lacks access to basic financial services. It outlines various barriers that contribute to financial exclusion, including low income, lack of assets or savings, and geographical remoteness. The definition of financial inclusion promoted by the Rangarajan Committee is discussed as ensuring access to appropriate and affordable financial products and services for vulnerable groups. Government and banks have taken steps to promote inclusion through no-frills accounts, business correspondent models, self-help groups, and financial literacy programs. However, challenges remain around high transaction costs, limiting business models, and lack of involvement from large technology players.
Indian Banking System
The document summarizes the history and development of the Indian banking system from its origins in the 18th century to recent reforms and liberalization. It describes the nationalization of major banks in 1969 and changes introduced in the 1990s that opened the sector to private competition and globalization. The summary highlights the transformation of the Indian economy and banking sector from a regulated system focused on industry to an increasingly liberalized and competitive system mirroring broader macroeconomic changes.
Longterm Profitability of Banks -B.V.Raghunandan
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Bhushan Bhatia is an experienced banker and trainer who is presenting a session on securing a future with a banking career. The session will provide an overview of the history and development of banking in India, the current banking scenario, career opportunities and positions in banks, required qualifications, how to prepare for exams and interviews, and updates on current job openings. Bhatia has over 24 years of experience in banking and holds several qualifications. He will discuss topics like the evolution of banking since ancient India, nationalization of banks, introduction of private and foreign banks, and the modern Indian banking landscape.
SNIPPETS 291016
The RBI will audit the cyber security of banks by having outside experts try to exploit vulnerabilities in banks' IT systems to prevent future breaches. Banks were also directed to strictly adhere to cyber security guidelines after a data breach compromised 3.2 million debit cards. Nearly 200 small NBFCs face closure due to not meeting RBI's minimum investment grade credit rating requirement for accepting deposits. The BSE introduced a paperless SIP facility for mutual fund investors to reduce registration time and allow different payment methods like net banking. Banks may acquire defaulting companies' assets in sectors like steel, power and shipping by converting debt to equity and taking management control. Banks are reducing credit card exposure due to concerns over slowing pay increases and job uncertainties.
Way Forward: Future of Financial Services for the Poor
The document discusses the future of financial services for the poor in India, predicting a shift towards multiproduct offerings delivered through individual accounts and mobile/technology platforms, as well as increased regulation requiring banks' direct involvement in lending through business correspondent models. It also examines opportunities for microfinance institutions to partner with banks to expand access to financial services in rural areas by acting as business correspondents and agents.
A report on Credit Risk Management in Banks
This document discusses credit risk management in banks. It begins with an introduction and methodology section describing the sources of data analyzed. It then includes an index and sections on the banking scenario in India, credit policies, data analysis of NPA levels in major Indian banks showing a correlation between loans and NPAs, definitions of business and credit risk, causes of credit risk, credit risk assessment techniques, and other risk management strategies like credit ratings and ALM. The document analyzes challenges for banks and provides recommendations to better manage credit risk.
Chapter 3 private and multinational banks
This document provides an overview of private banks and multinational banks in India. It discusses the need for privatization of banks in India in the 1980s due to issues with public sector banks. It then outlines the guidelines for establishing and operating private sector banks in India, including capital requirements, priority sector lending obligations, and regulatory frameworks. The document also discusses multinational banks, including Indian banks with international branches and foreign banks operating in India. It covers some of the problems faced by overseas branches of Indian banks, such as lack of capital and viability issues, and strategies for overcoming these problems, including closing non-viable branches and establishing branches in key trade markets.
Divya PPT
This document summarizes a study on achieving financial inclusion through business correspondent relationships between banks and microfinance institutions. It finds that the business correspondent (BC) model adopted by Association for Social Advancement International (ASA) has successfully expanded access to banking services. When ASA began working as a BC for IDBI Bank in 2016, the number of bank accounts increased. The BC model provides savings and loan products to customers in rural areas in a cost-effective manner. It has increased awareness of formal financial services and helped promote greater financial inclusion.
Rural Banking in India
The document discusses rural banking in India and the need to address it for sustainable growth. It notes that over 500 million Indians still lack bank accounts and that rural areas represent about 50% of India's GDP. While banking networks have expanded, rural banking still faces challenges of regulation designed for urban areas and high staffing needs for distribution in rural contexts. Microfinance and self-help groups are discussed as approaches to expanding rural access to financial services.
Lakshmi vilas bank case study
LVB was founded in 1926 in Tamil Nadu and saw growth through acquisitions but also pushed risky loans, leading to losses. In 2020, LVB reported a net loss of Rs. 397 crores and an NPA of 25%, prompting an RBI moratorium. To improve the financial position, DBS was selected for capital infusion. However, some argue RBI should have chosen an Indian bank instead of a foreign one for the merger due to trust issues. The crisis could impact the banking sector through erosion of public trust and tighter lending standards.
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The document defines entrepreneurship as launching and running a new business, typically as a small startup. Traditionally, entrepreneurs took on risks by coming up with ideas, organizing resources, and making profits. However, the document argues the definition is broadening to include employees and executives who enhance processes, costs and quality. It discusses models of individual entrepreneurship versus corporate models and impediments such as hostile governments. Finally, it promotes social entrepreneurship in sectors like waste management and provides guidelines for entrepreneurship like honesty and avoiding unnecessary risks.
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This document discusses professional ethics and outlines some key elements and principles of professional ethics. It notes that professionals traditionally had high levels of wisdom and now refers to those with specialized knowledge in fields like engineering, medicine, and law. It discusses the need for professional ethics to maintain stable institutions that society depends on. Some of the key elements of professional ethics discussed include non-stop competence building, integrity, long-term orientation, commitment, emotional equanimity, being immune to worldly weaknesses, and having a righteous attitude. It also lists some unprofessional practices to avoid like lack of punctuality, financial irregularity, gossiping, and more.
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The document provides an overview of the key aspects of the Indian Union Budget for 2015-16, including:
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This document discusses entrepreneurship in the IT era in India. It covers several topics:
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2) The internet has enabled new types of businesses like search engines, social media, and e-commerce that operate internationally with few regulations. It has also allowed traditional businesses in areas like travel and transportation to operate online.
3) Students are encouraged to develop entrepreneurial skills like communication, teamwork, and self-confidence to start internet and tech-enabled businesses and drive regional development and employment in India.
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This document discusses cyber laws and cyber crimes. It defines cybercrime as offenses committed against individuals or groups using modern communication networks like the internet and mobile phones to intentionally harm the victim. A broader definition is provided that a cyber crime is any offense committed using computers, the internet or electronic devices where the technology is used as a tool or target. Various types of cybercrimes are outlined like financial crimes, data theft, copyright infringement and cyber terrorism. The techniques used include hacking, phishing and malware. Characteristics of cyber crimes are discussed along with perpetrators like individuals, groups, companies and governments. India's Information Technology Act of 2000 is summarized which established cyber laws and outlined various cyber offenses and penalties. The future agenda suggested educ
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