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The Reserve Bank of India has banned 3 multinational banks - Standard Chartered, Societe Generali, and Calyon - from trading government bonds in India for 6 months. The Securities and Exchange Board of India has doubled the limit for maximum applications by individual investors in public issues to Rs. 2 lakh from Rs. 1 lakh. Videocon is entering the general insurance business through a joint venture with US-based Liberty Mutual Group, where Liberty Mutual will hold a 26% stake and the JV will focus on personal non-life insurance products.
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Weekly news.31st oct
The telecom ministry has sought to bring all airwave frequencies, including those controlled by the defence ministry, under the proposed spectrum regulator. The finance ministry opposes allowing overseas borrowings by limited liability partnerships (LLPs), though it supports foreign direct investment. Meanwhile, two hedge funds have complained to regulators about an Indian company preventing conversion of bonds into shares.
Credit Shield Life Insurance
BRAC Microfinance in Bangladesh is offering 'credit shield life insurance' to clients taking out loans from 20 branch offices, in partnership with Milvik (BIMA). Clients pay a small premium of 0.3-0.7% of their total loan amount over the loan period for coverage. In the event of the client or spouse's death, their family receives back the principal of settled loans, is relieved of debt from outstanding loans, retains savings, and receives BDT 5,000 for funeral costs from BRAC. The insurer bears costs of outstanding loans, minimizing losses for both BRAC and the client's family.
Raddon Chart of the Day April 10, 2012
The document contains three charts from Raddon Financial Group surveys about consumers' credit card and financing preferences:
1. The top five features that would prompt consumers to get a new credit card are no annual fee (81%), low interest rate (60%), annual cash back rebate (43%), identity theft protection (37%), and 0% introductory rate offers (32%).
2. When financing a vehicle purchase, 40% of consumers typically obtain financing from the auto dealer, 19% seek loan rates from their primary financial institution, and 5% use online comparative services.
3. Regarding identity theft protection, 33% of consumers are extremely likely to pay a $2 monthly fee for basic coverage, 27
Bancassurance
The bank insurance model (BIM), also sometimes known as bancassurance or allfinanz, is the partnership or relationship between a bank and an insurance company, or a single integrated organisation, whereby the insurance company uses the bank sales channel in order to sell insurance products, an arrangement in which a bank and an insurance company form a partnership so that the insurance company can sell its products to the bank's client base.
Raddon Chart of the Day April 13, 2012
Only 6% of consumers are currently in the market for a new credit card. The top feature that would prompt consumers to get a new credit card is one with no annual fee (81%). A low interest rate is the second most appealing feature (60%). Consumers are most willing to pay a $2 monthly fee for basic identity theft protection coverage if they are extremely likely (33%) or very likely (27%) to do so.
Indian Insurance Industry - Recent Industry Trends - Part - 5
Bancassurance means selling insurance product through banks. Banks and insurance company come up in a partnership wherein the bank sells the tied insurance company's insurance products to its clients. Globally, bancassurance has emerged as an important channel for distribution of insurance products. Various international studies have shown that a bancassurance strategy has indeed saved costs of insurance companies in the long run.
Et news(10 oct)
Sebi’s investment cap on Temasek GSIC upsets Singapore govt. The Singapore government told India's ministry that Sebi's ruling limiting combined investment in Indian companies by Temasek Holdings and GIC to 15% violates the India-Singapore trade pact. Under Sebi rules, if their combined holding increases to 15%, they would have to make an open offer for an additional 20% of shares.
British Telecom in talks to sell Tech Mahindra stake. British Telecom, an original promoter of Tech Mahindra, is looking to sell its over 43% stake now that Tech Mahindra has restated its financials. British Telecom is expecting a 30% premium over the current market
Raddon Chart of the Day April 17, 2012
The document is a chart from Raddon Financial Group showing data from a national consumer survey conducted in fall 2011. It shows that 31% of consumers last purchased or leased a vehicle within the past year, while 17% did so between 1-2 years ago, and 11% did so over 5 years ago.
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Weekly news.31st oct
The telecom ministry has sought to bring all airwave frequencies, including those controlled by the defence ministry, under the proposed spectrum regulator. The finance ministry opposes allowing overseas borrowings by limited liability partnerships (LLPs), though it supports foreign direct investment. Meanwhile, two hedge funds have complained to regulators about an Indian company preventing conversion of bonds into shares.
Credit Shield Life Insurance
BRAC Microfinance in Bangladesh is offering 'credit shield life insurance' to clients taking out loans from 20 branch offices, in partnership with Milvik (BIMA). Clients pay a small premium of 0.3-0.7% of their total loan amount over the loan period for coverage. In the event of the client or spouse's death, their family receives back the principal of settled loans, is relieved of debt from outstanding loans, retains savings, and receives BDT 5,000 for funeral costs from BRAC. The insurer bears costs of outstanding loans, minimizing losses for both BRAC and the client's family.
Raddon Chart of the Day April 10, 2012
The document contains three charts from Raddon Financial Group surveys about consumers' credit card and financing preferences:
1. The top five features that would prompt consumers to get a new credit card are no annual fee (81%), low interest rate (60%), annual cash back rebate (43%), identity theft protection (37%), and 0% introductory rate offers (32%).
2. When financing a vehicle purchase, 40% of consumers typically obtain financing from the auto dealer, 19% seek loan rates from their primary financial institution, and 5% use online comparative services.
3. Regarding identity theft protection, 33% of consumers are extremely likely to pay a $2 monthly fee for basic coverage, 27
Bancassurance
The bank insurance model (BIM), also sometimes known as bancassurance or allfinanz, is the partnership or relationship between a bank and an insurance company, or a single integrated organisation, whereby the insurance company uses the bank sales channel in order to sell insurance products, an arrangement in which a bank and an insurance company form a partnership so that the insurance company can sell its products to the bank's client base.
Raddon Chart of the Day April 13, 2012
Only 6% of consumers are currently in the market for a new credit card. The top feature that would prompt consumers to get a new credit card is one with no annual fee (81%). A low interest rate is the second most appealing feature (60%). Consumers are most willing to pay a $2 monthly fee for basic identity theft protection coverage if they are extremely likely (33%) or very likely (27%) to do so.
Indian Insurance Industry - Recent Industry Trends - Part - 5
Bancassurance means selling insurance product through banks. Banks and insurance company come up in a partnership wherein the bank sells the tied insurance company's insurance products to its clients. Globally, bancassurance has emerged as an important channel for distribution of insurance products. Various international studies have shown that a bancassurance strategy has indeed saved costs of insurance companies in the long run.
Et news(10 oct)
Sebi’s investment cap on Temasek GSIC upsets Singapore govt. The Singapore government told India's ministry that Sebi's ruling limiting combined investment in Indian companies by Temasek Holdings and GIC to 15% violates the India-Singapore trade pact. Under Sebi rules, if their combined holding increases to 15%, they would have to make an open offer for an additional 20% of shares.
British Telecom in talks to sell Tech Mahindra stake. British Telecom, an original promoter of Tech Mahindra, is looking to sell its over 43% stake now that Tech Mahindra has restated its financials. British Telecom is expecting a 30% premium over the current market
Raddon Chart of the Day April 17, 2012
The document is a chart from Raddon Financial Group showing data from a national consumer survey conducted in fall 2011. It shows that 31% of consumers last purchased or leased a vehicle within the past year, while 17% did so between 1-2 years ago, and 11% did so over 5 years ago.
Indian Insurance Sector Market Analysis
Indian insurance sector has seen significant growth post liberalization. There are now 52 insurance companies of which 45 are private. The sector is estimated to need $8 billion in capital to improve solvency and increase penetration. Life insurance premium grew 11.84% in 2015-16 while non-life premium grew 12%. Growing incomes and changing demographics present opportunities for growth. ICICI Prudential Life is the largest private life insurer in India with a 24.2% market share in the private sector.
Consumer Durable Loans
Consumer Durable LoansWe Learn - A Continuous Learning Forum from Welingkar's Distance Learning Program.
Consumer durable loans are for purchasing household appliances and electronics. They are provided to individuals over 18 years of age who have sufficient income to repay monthly installments over 12 to 36 months. While unsecured, some equipment may be hypothecated as collateral. Interest rates vary between banks, with nationalized banks typically charging less than other banks. The loans can range from Rs. 5,000 to Rs. 100,000 with 90% of the purchase value advanced.Indian insurance industry.pptm
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This quarterly slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the second quarter of 2015, and highlight their key features.
Annuity and Life Insurance Product Update - Q3 2015
This quarterly slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the third quarter of 2015, and highlight their key features.
Bancassurance
Bancassurance allows banks to sell insurance products through their distribution channels, forming partnerships between banks and insurers. This provides immediate access to new markets and increased penetration for insurers. Banks benefit through additional income from commissions and enhanced customer satisfaction from offering diverse services. Customers benefit from lower prices, better quality products, and convenient purchasing through their banks. Regulations in India require separate governance of banking and insurance, but allow banks to partner with insurers as agents.
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Obama will ease US export controls to India to boost trade between the two countries. He will address a business summit where US companies will finalize deals worth $10 billion with India, including ones from GE and Boeing. However, details of a $4.5 billion Boeing deal for military planes were still being finalized.
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Corruption risk in insurance, Mandal Insurance
This document provides an overview of the insurance industry in Mongolia and details about Mandal Insurance. Some key points:
- The insurance industry in Mongolia is small, accounting for less than 1% of the financial sector, but has grown significantly in recent years.
- Mandal Insurance has experienced strong growth since being founded in 2011, increasing its gross written premium 15 times and nearly doubling its reserve funds every three years.
- Mandal aims to "reinvent insurance" in Mongolia by developing innovative products tailored to client needs, such as flexible premium payments and a new health insurance product.
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Presentation: Global Bancassurance Strategies at the 7th Annual Bancassurance...
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- Analysis of differences across global bancassurance markets
- Future bancassurance outlookProject
Insurance allows people to share financial risks and losses by contributing regular premiums to a common fund. It provides peace of mind by helping restore people's financial status if unexpected events like accidents, illness or death occur. While such events can be financially devastating for individuals, insurance premiums paid by many ensure claims can be paid out.
Product liability insurance in china report by daxue consulting
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National Insurance has become the third largest non-life insurer in India based on premium collection amounts. IRDA has asked insurers to stop providing credit default insurance and has concluded that some insurers are underwriting risks without proper regulation. There has been a sharp decrease in the number of unit-linked insurance plans, with 208 schemes withdrawn and only 42 new schemes launched to replace them as regulations have become more stringent. The government has expanded its rural health insurance scheme beyond those below the poverty line to a wider group, which could lower insurance premiums and hospital treatment costs. India lags behind Brazil and Russia in attracting foreign debt investors due to a lack of sovereign dollar bonds and regulatory hurdles. The stock market hit a 33
Strategic analysis and analyzing on icici prodential life insurance by :- gau...
Strategic analysis and analyzing on icici prudential life insurance.it helpful to analysis icici prudential life with other insurance.
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The Journey of Bancassurance in Kenya
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This document provides an overview of microinsurance in the Philippines and the experience of Country Builders Bank with a partner-agent microinsurance model. It discusses the regulatory framework and policies governing microinsurance, the strategy and milestones of the Rural Bankers Association of the Philippines in promoting microinsurance, and how Country Builders Bank obtained necessary licenses and approvals to offer microinsurance through a partner insurer. Specific details are given on Country Builders Bank's training of agents, product launch, and enrollment results for principal members and dependents within the first year.
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The document summarizes a workshop on travel management. It discusses the travel request and payment process, including the workflow for creating travel requests and expense reports. It highlights reasons for choosing SAP travel management software, including being an end-to-end solution and ensuring compliance with company travel policies. It also outlines travel expenses, per diems, and the use of travel expense manager to change trip details and facilitate payments.
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Indian insurance sector has seen significant growth post liberalization. There are now 52 insurance companies of which 45 are private. The sector is estimated to need $8 billion in capital to improve solvency and increase penetration. Life insurance premium grew 11.84% in 2015-16 while non-life premium grew 12%. Growing incomes and changing demographics present opportunities for growth. ICICI Prudential Life is the largest private life insurer in India with a 24.2% market share in the private sector.
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Presented at the 1st Annual Bancassurance Conference | Villa Rosa Kempinski | Nairobi | Kenya.
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This quarterly slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the second quarter of 2015, and highlight their key features.
Annuity and Life Insurance Product Update - Q3 2015
This quarterly slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the third quarter of 2015, and highlight their key features.
Bancassurance
Bancassurance allows banks to sell insurance products through their distribution channels, forming partnerships between banks and insurers. This provides immediate access to new markets and increased penetration for insurers. Banks benefit through additional income from commissions and enhanced customer satisfaction from offering diverse services. Customers benefit from lower prices, better quality products, and convenient purchasing through their banks. Regulations in India require separate governance of banking and insurance, but allow banks to partner with insurers as agents.
Indian Microfinance - Looking Beyond The AP Act and its Devastating Impact on...
The paper documents the disastrous consequences of legislation passed by Government of Andhra Pradesh in December 2010, and how this has brought about a national crisis. The legislation - the AP Act - not only undermines India’s financial inclusion agenda but also punishes the poor in every state across India. We welcome and encourage the swift passage of the upcoming microfinance Bill through Parliament, which should ultimately supersede the AP Act. While the Bill must be passed at the earliest to avoid further damaging the lives of India’s poor, the report highlights provisions in the Bill and recent RBI circular on NBFC-MFIs that threaten to undermine the Bill’s intentions. Finally, it examines the important role of the private sector in contributing to the challenge of facilitating financial inclusion to India’s 450 million unbanked citizens.
Weekly news for the week ending 7th nov
Obama will ease US export controls to India to boost trade between the two countries. He will address a business summit where US companies will finalize deals worth $10 billion with India, including ones from GE and Boeing. However, details of a $4.5 billion Boeing deal for military planes were still being finalized.
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This document provides an overview of the insurance industry in Mongolia and details about Mandal Insurance. Some key points:
- The insurance industry in Mongolia is small, accounting for less than 1% of the financial sector, but has grown significantly in recent years.
- Mandal Insurance has experienced strong growth since being founded in 2011, increasing its gross written premium 15 times and nearly doubling its reserve funds every three years.
- Mandal aims to "reinvent insurance" in Mongolia by developing innovative products tailored to client needs, such as flexible premium payments and a new health insurance product.
- The company focuses on ethical practices like avoiding kickbacks and investing in client services rather than just reselling
Presentation: Global Bancassurance Strategies at the 7th Annual Bancassurance...
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Finaccord presentation at the 7th Annual Bancassurance Forum in Vienna in February 2014, organised by Fleming Europe.
The Agenda of the presentation included:
- Key factors that shape bancassurance strategies
- Analysis of the strategies used by the world's 125 largest retail banking groups
- Analysis of differences across global bancassurance markets
- Future bancassurance outlookProject
Insurance allows people to share financial risks and losses by contributing regular premiums to a common fund. It provides peace of mind by helping restore people's financial status if unexpected events like accidents, illness or death occur. While such events can be financially devastating for individuals, insurance premiums paid by many ensure claims can be paid out.
Product liability insurance in china report by daxue consulting
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Weekly news (27th sept to 2nd oct
National Insurance has become the third largest non-life insurer in India based on premium collection amounts. IRDA has asked insurers to stop providing credit default insurance and has concluded that some insurers are underwriting risks without proper regulation. There has been a sharp decrease in the number of unit-linked insurance plans, with 208 schemes withdrawn and only 42 new schemes launched to replace them as regulations have become more stringent. The government has expanded its rural health insurance scheme beyond those below the poverty line to a wider group, which could lower insurance premiums and hospital treatment costs. India lags behind Brazil and Russia in attracting foreign debt investors due to a lack of sovereign dollar bonds and regulatory hurdles. The stock market hit a 33
Strategic analysis and analyzing on icici prodential life insurance by :- gau...
Strategic analysis and analyzing on icici prudential life insurance.it helpful to analysis icici prudential life with other insurance.
Universal banking
The presentation is on the topic "UNIVERSAL BANKING"
IT INCLUDES :-
# All the information related to the universal banking system
# Its functions and the services that it provides
# The benefits that it provides to us
# Are there any negative impacts of universal banking ?
# Universal banks vs Commercial banks
# List of some universal banks
# Some universal banks in India
# Guidelines of RBI for universal banks
# Future Trends
THANKYOU EVERYONE FOR WATCHING IT
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This document provides an overview of microinsurance in the Philippines and the experience of Country Builders Bank with a partner-agent microinsurance model. It discusses the regulatory framework and policies governing microinsurance, the strategy and milestones of the Rural Bankers Association of the Philippines in promoting microinsurance, and how Country Builders Bank obtained necessary licenses and approvals to offer microinsurance through a partner insurer. Specific details are given on Country Builders Bank's training of agents, product launch, and enrollment results for principal members and dependents within the first year.
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This document provides an overview of the insurance sector in India, including its history, current state, and prospects. It discusses key milestones in the development of life and general insurance in India. It outlines the current regulatory framework and major players. It also places the Indian insurance sector in a global context, noting opportunities for growth. While penetration and density are still low compared to other countries, factors like deregulation, technology, and a large population provide potential for expansion. Issues around product diversification and quality of agents need addressing. The sector is poised for continued growth if it offers innovative products tailored to customer needs.
Sector weekly perfomance 21 st mar - 2020
This document provides a weekly sector performance report covering several industries in India. It discusses how the continued spread of COVID-19 is negatively impacting the automobile sector through supply chain disruptions from China and potential declines in demand. It also notes challenges for the banking sector from the pandemic's economic effects. The FMCG sector continues to see a slowdown, especially in rural areas. The pharmaceutical industry may need to reduce dependence on China for active pharmaceutical ingredients. The NBFC, oil and gas, and stressed asset management sectors are also addressed.
Main project
The document provides an overview of the life insurance and financial planning industry in India. It discusses key topics such as the historical development of the insurance sector, current regulatory framework, major players and their market shares, various insurance products offered, and distribution channels. The industry is set for rapid growth in the coming years driven by increasing incomes, financial awareness and the entry of private players. Customer service and use of new distribution channels like bancassurance are becoming important for companies to succeed in this competitive environment.
Study on banking sector
This document provides an introduction to banking and loans. It defines banking as accepting deposits from the public that are repayable on demand and can be withdrawn by cheque. It also defines a loan as the lending of money from one entity to another at an interest rate, with the borrower obligated to repay the principal plus interest. The document then discusses various types of bank loans like personal, home, car, and business loans. It provides an overview of the Indian banking sector and lists various initiatives and developments in the industry.
Important News (November - Second Week)
Adidas sets targets to overtake Nike as the largest sportswear company by 2015. It aims to grow sales to $24 billion by 2015, up two-thirds from 2009 levels. However, Nike is also aiming to reach $27 billion by 2015, so it will likely remain the market leader if both companies meet their targets.
The US criticized India's complicated FDI rules and non-tariff trade barriers. Several barriers like import licenses, standards and certifications, and local content requirements were noted. The Indian government is working to increase transparency and lower costs with a single FDI policy.
HDFC Life Insurance has postponed its listing plans until the government relaxes foreign investment norms in the life
IRM PPT.pptx
1) There are 24 life insurance companies in India, with LIC being the sole public sector company. There are also 33 non-life insurers, including 6 public sector companies.
2) Some of the major private life insurers include HDFC Life Insurance, Max Life Insurance, ICICI Prudential Life Insurance, Kotak Mahindra Life Insurance, and Aditya Birla Sun Life Insurance.
3) The insurance industry is regulated by IRDAI, which oversees functions of life and non-life insurance companies and issues guidelines to promote orderly growth of the insurance sector.
Present trends of financial sector in india final
The financial sector in India has grown significantly in recent years and includes banking, insurance, capital markets and other non-banking financial institutions. Banking has expanded with new branches and ATMs, while the insurance sector is growing rapidly led by life insurance. The capital markets have also increased in size and importance with the primary market helping companies raise funds and the secondary market seeing increased trading volumes. Overall the financialization of the Indian economy has accelerated and further reforms are expected to make the sector more effective in allocating resources and supporting economic growth.
India & insurance 34
This document provides an overview of the Indian insurance sector, including its history, current state, position globally, and future prospects. It discusses key milestones such as the nationalization of insurance in India in 1956 and 1999. Currently, India's insurance penetration and density is lower than other countries, but the sector is growing rapidly due to reforms, deregulation, and the entry of private players. While the industry faces issues like lack of agent quality, trends such as the expanding rural market and health insurance provide opportunities for future growth. Strengthening regulations and using technology are some suggestions to further develop the insurance sector in India.
Ib final
The insurance market in India is growing rapidly due to liberalization and the entry of private players. Sun Life Financial entered India through a joint venture with Aditya Birla Group to take advantage of the large untapped market potential. Both India and China offer attractive opportunities due to their large populations and economic growth, though India has higher premium growth rates currently. Recommendations to attract more foreign investment include increasing foreign ownership caps, improving regulations and distribution channels, and enhancing transparency.
Insurance
The document discusses the insurance industry in India. It notes that India has 53 insurance companies, with 24 in life insurance and 29 in non-life insurance. The life insurance market is the largest in the world, with 360 million policies, though penetration is still low compared to other countries. The industry is expected to grow at a CAGR of 12-15% over the next five years. Major players include LIC, HDFC Life, ICICI Prudential Life, and SBI Life Insurance. The regulatory body is IRDA. While growth has been strong, there remains significant potential for further expansion of insurance coverage across India.
Effect of increase of foreign direct investment in insurance sector
This document discusses foreign direct investment (FDI) in India's insurance sector. It provides background on FDI and insurance, then summarizes the current state of FDI regulations in India, which allow up to 49% ownership in insurance companies. The benefits of increased FDI are discussed, such as higher insurance penetration, increased competition, and more capital inflows. Potential drawbacks like domestic firms struggling to compete are also outlined. An overview is given of major public and private insurance companies in India.
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News p pt (12)
A senior official retired from her position at RBI after 38 years and was replaced. Major fuel companies in India are considering raising petrol prices for the third time since June due to increasing crude oil costs. RBI met with executives from several banks to encourage greater usage of electronic transactions for payments, which currently make up 90% of the total value but only 35% of the total volume of banking transactions. An insurance company postponed plans to go public on the stock exchange until foreign investment norms in the industry are relaxed, as its major foreign partner intends to increase its stake if the limits are raised.
News p pt (12)
A senior official retired from her position at RBI after 38 years and was replaced. Major fuel companies in India are considering raising petrol prices for the third time since June due to increasing crude oil costs. RBI met with executives from several banks to encourage greater usage of electronic transactions for payments, which currently make up 90% of the total value but only 35% of the total volume of banking transactions. An insurance company postponed plans to go public on the stock exchange until foreign investment limits in the industry are potentially relaxed, which would allow its major foreign partner to increase its ownership stake.
Weekly news
The Reserve Bank of India has banned 3 multinational banks - Standard Chartered, Societe Generali, and Calyon - from trading government bonds in India for 6 months. The Securities and Exchange Board of India has doubled the limit for maximum applications by individual investors in public issues to Rs. 2 lakh from Rs. 1 lakh. Videocon is entering the general insurance business through a joint venture with US-based Liberty Mutual Group, where Liberty Mutual will hold a 26% stake and the JV will focus on personal non-life insurance products.
Weekly news
Three Indian women, including PepsiCo CEO Indira Nooyi, Axis Bank CEO Shikha Sharma, and ICICI Bank CEO Chanda Kochar, were ranked among the top 100 most powerful women in the world by Forbes. Hero Honda launched a special edition Commonwealth Games motorcycle priced at Rs. 46,300. Clarity in new banking rules is urgently needed to avoid prolonged uncertainty and allow capital resources to help recover the global economy. Bharti Airtel will partner with Ericsson and Huawei to expand and manage its mobile network in Bangladesh, with Ericsson delivering and managing most of the network capacity and Huawei providing services in eastern areas.
Weekly news
The document provides a weekly news summary from 27th September to 3rd October. It mentions that the Supreme Court has asked the tax authorities to clarify Vodafone's tax liability before hearing the entire tax evasion case regarding Vodafone's 2007 acquisition of Hutchison Essar. It also talks about Mahindra & Mahindra launching two motorcycles as it enters the competitive bike segment. The summary also mentions that budget carrier Indigo has received permission to begin international flights next year and will work on routes. It concludes saying that Ferrari will start business in India from January 2011 as a luxury sports car maker.
Trip to iceland
The document provides information about a planned trip to Iceland, specifically Reykjavik city. It includes details about:
- Iceland and Reykjavik's location and population.
- A planned itinerary with flight and hotel booking details from Delhi to Reykjavik between October 4-10.
- Popular tourist attractions in Reykjavik city center including churches, squares, and art museums.
- Additional things to see like the zoo, waterfalls, and geothermal fields on guided tours outside the city.
- The total estimated cost of the trip is Rs. 119,257.57 covering flights, hotel, local transport, tours, and attractions.
Claim ppt
This presentation summarizes a summer training project on claims management at HDFC Standard Life Insurance Company. Key points discussed include:
1. An introduction to the insurance industry and HDFC-SLIC, including their organizational structure and SWOT analysis.
2. An overview of the claims process, types of claims, factors affecting claims settlement, and the claims settlement procedure at HDFC SLIC.
3. Research methodology used including sample size, data collection methods, and limitations of the study.
4. Key findings from data analysis on customer satisfaction, problems faced during claims settlement, and willingness to repurchase policies.
5. Suggestions to improve the claims settlement process through simpler documentation, faster
News ppt
1) Nestle India has reduced the price it pays farmers for milk in Punjab due to high supply. However, consumer prices have not yet been reduced.
2) Deutsche Bank has received a court order preventing retail company Vishal Retail from selling assets after failing to repay a 50 crore rupee loan.
3) The copyright dispute between Emami and the producers of the film Dabangg over the song "Munni Badnam" has been settled, and Emami will use the song to promote Zandu Balm. Malaika Arora Khan will be the brand ambassador.
News ppt
- Nestle India has reduced the prices it pays farmers for milk in Punjab due to high supply, but consumer prices have not yet been reduced. Government-owned dairies have recently raised prices.
- Deutsche Bank has received a stay order from the Delhi High Court preventing retail company Vishal Retail from selling assets. Deutsche Bank provided a loan of Rs. 10 crore to Vishal Retail that was not repaid.
- The copyright dispute between Emami and the producers of the film Dabangg over the song "Munni Badnam" has been settled. Emami will use the song to promote Zandu Balm and Malaika Arora Khan will be the
News ppt
Bharti Airtel will sell its mobile phone towers in Africa to Bharti Infratel for Rs. 15,000 crore. Bharti Infratel will raise funds to finance the deal by selling stakes to private equity funds, and will be 90% owned by Bharti Airtel. The sale comes as Bharti Airtel takes steps to replicate an outsourced tower business model in Africa and address its debt of Rs. 65,000 crore from borrowing and 3G expansion.
Resume dimple
Dimple Mittal resides at House nos. 2634 St. No. 2, Vishkarma Town, Ludhiana. She can be reached by mobile at 9464823709 or by email at dimplemittal.mittal84@gmail.com. She has strong academics and is currently pursuing an MBA with expertise in the financial domain from PCTE, Baddowal.
Claim ppt
1) The document presents on a summer training project conducted at HDFC Standard Life Insurance on their claims process.
2) It includes an introduction to insurance and HDFC-SLIC, objectives of the research, methodology used including sample size of 60 respondents, findings from data analysis, and suggestions.
3) Key findings indicate customers faced issues with documentation and non-cooperation of agents in claims, but were satisfied with employee behavior. There is a need to simplify processes and decrease time for claims settlement.
News ppt
Reliance Infratel and GTL infrastructure have put on hold plans to merge their tower operations in a $11 billion deal, affecting Reliance Communication's ability to reduce debt and price its 3G services. ArcelorMittal and Indiabulls are in talks to form a joint venture to mine iron ore in Rajasthan and set up a steel plant in North India. Britannia will invest Rs. 100 crore to set up new plants in Bihar and Odisha to increase production and compete against Parle in the growing Indian biscuit market. Indian Railways has approached NPCIL about setting up two 500 mw nuclear power plants on railway land to generate captive power.
News ppt
Reliance Industries and Anil Dhirubhai Ambani Group are among 23 companies that have expressed interest in building a 1,320 MW thermal power plant in Karnataka's Gulbarga district, with an estimated cost of Rs. 7,500 crores. Fortis Healthcare is planning to list on the Singapore stock exchange to help establish itself as a leading healthcare brand in Asia within 5-10 years. HDFC Bank has grown its rural retail portfolio to Rs. 1,500 crores by focusing on emerging rural markets, and plans to open 80 new rural branches this fiscal. Apple introduced Ping, a social networking service within iTunes, to help users discover new music and potentially increase song purchases.
News ppt
SBI plans to merge more of its subsidiary banks after acquiring a majority stake in State Bank of Mysore through an upcoming rights issue. If the merger is completed, SBI will have five remaining subsidiary banks. Some states like Gujarat and Punjab support allowing FDI in food products through multi-brand retail while others oppose the idea. The tax department has introduced an online system for taxpayers to check their annual tax statements and missing tax entries by registering and paying a small fee.
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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
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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
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Discover the Future of Dogecoin with Our Comprehensive Guidance
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
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一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
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【q/微741003700】
◇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
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Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
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学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】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Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
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【q/微741003700】
◇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
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...Falcon Invoice Discounting
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.在线办理(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证完成信一模一样
学校原件一模一样【微信：741003700 】《(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证》【微信：741003700 】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Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
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【q/微741003700】
◇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
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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Weekly news
- 2. RBI bans 3 MNC banks from trading in gilts for 6 months RBI has pulled up foreign banks in India to trade in government bonds. RBI has decided 6 months trading ban on 3 MNC’s ( Standard Chartered, Societe generali& Calyon) Banks will not be able to sell securities they buy from the market or subscribe through auction to maintain minimum mandatory holdings in govt. bonds.
- 3. IPO limit for all individual investor enhanced SEBI has doubled the limit for maximum application for individual investors from Rs 1 lakh to 2 lakh across all public issues. Once categorised as HNIs these investors had only 15 percent of shares at their disposal, as against 35 percent reserved for the retail players. The remaining 50 percent is set aside for institutional investors.
- 4. Videocon forays into general insurance Videocon is entering into financial services business through a general insurance company in partnership with US based property and casualty insurer liberty Mutual group (LMG). The foreigner partners will hold a maximum permissible 26 percent stake in the JV with Videocon. The JV will primarily focus on personal non life products like motor, health, homes and small commercial business solutions.
- 5. Thanks