...Intramuros, Manila A Case Study on PNB- ALLIED BANK MERGING Submitted to the Faculty of Graduate School of Management Pamantasan ng Lungsod ng Maynila In Partial Requirement for the subject Financial Management 2 Submitted to: Dr. Josefina Dalandan Submitted by: Bernadeth R. Alagao Eron T. Pabalan Rona C. Lalusin GSM-MBA EXECUTIVE SUMMARY PNB COMPANY PROFILE • Established as a government-owned banking institution on July 22, 1916 with headquarters in the old Masonic Temple along Escolta, Manila, the then "Wall Street of the Philippines" in the bustling district of Sta. Cruz in Manila. • Primary mandate was to provide financial services to Philippine industry and agriculture and support the government's economic development effort. • "The First Universal Bank in the country" • On July 24, 1916, PNB established its first branch in Iloilo. • In 1917, PNB marked its entry in the field of international banking when it opened its New York Branch. The following year, it established five more domestic branches and another overseas branch in Shanghai, China. • "PNB launched the first on-line Electronic Data Processing System in the entire Far East" • In 1963, it established the National Investment and Development Corporation to engage primarily in long-term and equity financing of business ventures. • Between 1967 and 1979, PNB continued to expand its operations by opening...
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...Priority Sector Schemes- a) Credit assistance to women entrepreneurs in tiny and SSI sector b) Credit Assistance to women beneficiaries in other Priority Sector Schemes c) Credit facilities to women entrepreneurs under various Govt. sponsored schemes like -Prime Minister's Rozgar Yojana(PMRY) -Swarnjayanti Gram Swarozgar Yojana(SGSY) -Swarnjayanti Shahari Rozgar Yojana(SJSRY) -Differential Rate of Interest Scheme(DRI) -Micro Credit to Self-Help Groups(SHGs) PNB Finance for Women (Including Housewives) [pic] PNB enables housewives and other ladies to supplement family incomes and to use their spare time profitably through this scheme by taking up projects as artisans, or under village and cottage industries, SSI, small business and retail trade. Industrial projects requiring higher assistance may also be considered under the scheme of financing small-scale industries. Eligibility Any Woman/Housewife, 18 years of age and above, living at a place for more than 6 months, who has not been a member of any industrial co-operative society and not indebted to any cooperative or state agency. |Amount of loan | | |[pic] | Need based, subject to ceiling of Rs.25,000/- per borrower for purchase of machinery/equipment etc. and meeting...
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...Economists slash inflation forecasts By: Kathleen Martin (Updated April 26, 2015 – 12:00 am) MANILA, Philippines - Economists surveyed by the Bangko Sentral ng Pilipinas reduced their forecasts for average inflation for this year until 2017 due to the fall in international oil prices. The BSP, in its First Quarter Inflation Report, said analysts surveyed in March see inflation averaging 2.7 percent this year and 3.3 percent in 2016. Both figures are lower than the February estimates of 2.8 percent and 3.4 percent, respectively. For 2017, economists also lowered their projection for average inflation to 3.3 percent from 3.4 percent. All estimates are well within the government’s two to four percent target ranges for this year until 2017. “The analysts attributed their lower inflation expectations mainly to the decline of international oil prices, which led to the reduction in minimum jeepney fares and flag down rate of taxis for the entire country,” the central bank said. The continued weakness in oil prices translated to lower pump prices in the country, leading to a P1-rollback in jeepney fares in December last year and a P10-reduction in the taxis’ flag down rate starting March. Asian benchmark Dubai crude has averaged $57.29 per barrel from April 1 to 22, almost half of its $104.57-per-barrel average in April last year. Inflation slid to 2.4 percent in March from 2.5 percent in February on lower increases in housing, electricity...
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... ON “A Comparative Study of Customer Satisfaction From Home Loan Schemes Launched By Government and Private Sector Banks In Indore” (With Special Reference to PNB and ICICI ) [pic] MBA 3rd SEM 2011-2013 PROJECT GUIDE SUBMITTED BY Dr. SHAILASH TRIPATHI VIVEK TRIVEDI FACULTY, (BMCMR) “A Comparative Study of Customer Satisfaction From Home Loan Schemes Launched By Government and Private Sector Banks In Indore” (With Special Reference to PNB and ICICI ) PREFACE The synopsis report on “A Comparative Study of Customer Satisfaction From Home Loan Schemes Launched By Government and Private Sector Banks In Indore” (With Special Reference to PNB and ICICI ) ” is an attempt to know the satisfaction level of customers from the various home loan schemes launched by a government and private sector bank to be selected by the researcher. This research is divided into eight chapters. Their brief account is as under : Chapter 1 deals with the Introduction of the topic which will include the conceptual framework related to the Home loan and its different types. Chapter 2 deals with the Introduction, Profile and the History of the PNB and ICICI bank for which the comparision has to be made. Chapter 3 deals with the review of the literature which will be covering the previous researches done by the researchers and the data so collected...
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...COMPARATIVE STUDY OF HOME LOANS OF PNB AND SBI BANK. A dissertation submitted to Department of Management in partial fulfillment of the requirement for the award of degree of BACHELOR OF BUSINESS ADMINISTRATION (HONS.) Submitted by: KOMAL MARWAHA 7020070003 Supervisor: Miss Monika Kanali (lect,lpu) LOVELY PROFESSIONAL UNIVERSITY PHAGWARA 2010 1 TO WHOMSOEVER IT MAY CONCERN This is to certify that the project report titled “Comparative study of home loans of PNB and SBI” carried out by Miss KOMAL MARWAHA, D/o RAJESH MARWAHA has been accomplished under my guidance & supervision as a duly registered BBA(Hons) student of the Department of Management, Lovely Professional University, Phagwara. This project is being submitted by him/her in the partial fulfillment of the requirements for the award of the BBA(Hons) from Lovely Professional University. Her dissertation represents her original work and is worthy of consideration for the award of the degree of BBA(Hons) ___________________________________ (Name & Signature of the Faculty Advisor) Title: ______________________________ Dare: ______________________________ 2 DECLARATION I KOMAL MARWAHA, hereby declare that the work presented herein is genuine work done originally by me and has not been published or submitted elsewhere for the requirement of a degree programme. Any literature, data or works done by others and cited within this dissertation has been given due acknowledgement and listed in...
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...Unit Holdings Financial Statements Unit Holders Resource 2 3 4 5 8 10 13 15 16 18 19 20 23 26 81 Corporate Information Manager Pelaburan Hartanah Nasional Berhad (175967-W) (Incorporated in Malaysia) Registered Office Of The Manager Tingkat 4, Balai PNB 201-A, Jalan Tun Razak 50400 Kuala Lumpur Telephone : 03-20505100 Facsimile : 03-20505878 Website : www.ahp.com.my E-mail : phnb@pnb.com.my Board Of Directors Of The Manager Tun Ahmad Sarji bin Abdul Hamid (Chairman) Tan Sri Dato’ Sri Hamad Kama Piah bin Che Othman Tan Sri Dato’ Seri Ainum binti Mohamed Saaid Dato’ Seri Mohd. Hussaini bin Haji Abdul Jamil Dato’ Abd. Wahab bin Maskan Dato’ Idris bin Kechot Secretary Of The Manager Adibah Khairiah binti Ismail @ Daud (MIA 13755) Tingkat 4, Balai PNB 201-A Jalan Tun Razak 50400 Kuala Lumpur. Management Of The Manager Tan Sri Dato’ Sri Hamad Kama Piah bin Che Othman (Executive Director) Dato’ Idris bin Kechot (Executive Director) Hafidz Atrash Kosai bin Mohd Zihim (Chief Executive Officer) Trustee AmanahRaya Trustees Berhad (766894-T) Tingkat 2, Wisma TAS No. 21, Jalan Melaka 50100 Kuala Lumpur Telefon : 03-20365000 Facsimile : 03-20720320 Investment Manager Permodalan Nasional Berhad (38218-X) Tingkat 4, Balai PNB, 201-A, Jalan Tun Razak 50400 Kuala Lumpur Property Manager IM Global Property Consultants Sdn Bhd (701223-X) 47-2, 2nd Floor, Wisma IMG Jalan 3/76D, Desa Pandan 55100 Kuala Lumpur Registrar Of The Trust In Charge...
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...Portugal, o período foi também de desenvolvimento e expansão, mas, em termos comparados, os resultados foram fracos. Em 1913, a distância que nos separava dos países mais ricos era provavelmente maior do que jamais tinha sido. Se tomarmos como medida o produto nacional per capita a preços constantes, vemos, pelo quadro n.° 1, que, não sendo grande o atraso português em meados do século passado, excepto em relação à Inglaterra, sessenta anos mais tarde já assim não era. O PNB per capita português, que era 86% da média dos países desenvolvidos, tinha passado para 4 5 % . Em contraste, os sessenta anos seguintes, até 1976, foram, deste ponto de vista, muito menos gravosos. Portugal: PNB «per capita» relativamente a outros países [QUADRO N.° 1] Países Alemanha Ocidental Dinamarca França , Hungria Grã-Bretanha Itália Países desenvolvidos 1860 1913 1950 1975 77°/o 93% 75% n. a. 47% 92% 86% 37% 34% 42% 79% 29% 66% 45% 41% 31% 33% 68% 28% 65% 37% 34% 36% 32% 49% 44% 59% 38% European Fonte: P. Bairoch, «Europe's Gross National Product 1800-1975», in Journal Of Economic History, 1976, vol. 5, pp. 273-340. * Texto da lição de síntese apresentada para efeito de provas de agregação realizadas em 27 e 28 de Fevereiro de 1984, na Faculdade de Economia da Universidade Nova de Lisboa. As notas e referências bibliográficas foram acrescentadas posteriormente. Se não houve recuperação, o fosso pouco mais...
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...Punjab National Bank Zonal Training Centre Ludhiana RETAIL LENDING SCHEMES Updated up to 31.05.2013 INDEX 1. HOUSING LOAN 2. CAR LOAN 3. PNB SARTHI (Two Wheeler loan) 4. EDUCATION LOAN 5. MORTGAGE LOAN AGAINST IP 6. PERSONAL LOANS 7. LOAN FOR PENSIONERS 8. ADVANCE AGAINST GOLD JEWELLERY/ORNAMENT 9. PNB BAGHBAN SCHEME 10. FUTURE LEASE RENTALS 11. SCHEME FOR FINANCING PROFESSIONALLY QUALIFIED MEDICAL PRACTITIONERS 12. PNB GRAMIN CHIKITSAK 13. SCHEME FOR FINANCING TRADERS (MODIFIED SCHEME) 14. SUPER TRADE 15. ADVANCES AGAINST FUTURE CARD RECEIVABLES 16. GENERAL GUIDELINES OF RETAIL ADVANCES 17. PNB SCORE – Rating model for Retail Loans - --------compiled by Kanwal Kumar, Senior Faculty, Zonal Training Centre, Ludhiana HOUSING LOAN Eligibility Purpose & Extent Individual & Joint Owners HUF is not considered as Joint owner. Purchase of Plot Rs.50 lac. However, RM & above may consider Loan up-to 100 lac in Metro and State Capital. Further, it be ensured that the loan amount for purchase of Land/Plot under any circumstance is not more than 60% of the eligible loan amount as per the repayment capacity. Construction of House Need based Purchase of Built House Need based Repair & Renovation Rs. 20 lac Cost of furnishing Max. 10% of the loan for repair up-to maximum of Rs. 2.00 lac Pari pasu Charge CH powers up to 20 lac to Govt. Employees Loan limit up to 30 lac Risk Weight is 50% Loan limit above 30 lac Risk Weight is 75% LTV Ratio more than 75% Risk Weight is 100% Loan...
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...CHAPTER-I 1 INTRODUCTION 1.1 Introduction of bank Bank is a financial institution which deals with other’s people money i.e. money given by the depositors.The establishment authorized by a government to accept deopsits,pay interests,clear checks,make loans,act as an intermediary in financial transactions,and provide other financial services to the customers.The roots of banking can be treated to the earliest civilizations.The Egyptians and early societies of the Middle East developed the prototype upon which modern banking is based.Agriculture commodities were stored in granaries operated by the government, and the records of deopsits and withdrawls were manitained. The name “bank” comes from the italian word ‘banco’.A banco was a table covered in green cloth where moneylenders completed their transactions in the marketplace.Those are preety humble beginnings for a major industry.Banking is a key component of the global financial system. Most large banks are now global in nature, with offices in all key financial centres, from New York to London to Hong Kong and have the power to influence the economies of countries around the world no matter how large, as seen during the recent financial crisis. According to Robert Frost, ‘‘bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins . Introduction to the Indian Banking industry in historical prespective. 1.2 Indian Banking in historical...
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...State full name & tutorial group in block capital Name:……………………. ……………………………………………….. ………………………………………….. State full name & tutorial group in block capital Name:……………………. ……………………………………………….. ………………………………………….. Post Graduate Programme - Individual Assignment Cover Sheet Fold corner of EACH copy separately and seal to obscure your name Fold corner of EACH copy separately and seal to obscure your name Please complete the form (in capital letters) and attach it securely to the front of your assignment before submitting your assignment. Student ID : …..………………………………………………………………………….. Title of Your Award: …………………………………………………………………………….. Name of module tutor: …………………………… ……………………………………… Name of module: ……………………………………………………………………….. Module code: | M | G | T | 6 | 0 | 2 | 4 | Assignment title:…………………………………………………………………………… Due date & time: ………………………………………………………………………… I have read and understood the Taylor’s University Regulations on cheating, plagiarism and collusion. I declare that this piece of work is my own and does not contain any unacknowledged work from any other sources. I authorise the University to test any work submitted by me, using text comparison software, for instances of plagiarism. I understand this will involve the University or its contractor copying my work and storing it on a database to be used in future to test work...
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...A Summer Training Report On CREDIT APPRAISAL & CREDIT RISK RATING At Punjab National Bank Submitted in partial fulfillment of the requirements of Master of Business Administration (MBA) Amity University, Gurgaon (Manesar) Under the Guidance of: Submitted By: Name: Mr. A.K. Rastogi Mohit Batra Senior Manager MBA: 3rd Semester A50050213025 Amity Business School Amity University Gurgaon SESSION 2014 – 2015 Preface While searching for a suitable topic for the MBA Dissertation, I Had gone through the various projects & books, ultimately settling On the topic credit appraisal and credit risk rating –A Study With Reference To Punjab national bank The topic inspired me, to go through the various books, articles, Reports etc. to know the process and also understand the real Issues plaguing the industry. All these aspects then resulted in the development of the project Report titled ‘credit appraisal and credit risk rating –A Study with Reference To Punjab national bank.’ It is strongly hoped that this project covers not only the various Requirements of the Project Study but also of the Industry . Acknowledgement I would like to express my profound gratitude to all those who have been instrumental in the preparation of my project report. To start with, I would like to thank the organization Punjab...
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...Credit risk management with reference to Punjab national bank Naupad, thane Dissertation Submitted to the Padmashree Dr. D.Y. Patil University in partial fulfillment of the requirements for the award of the Degree of MASTERS IN BUSINESS ADMINISTRATION Submitted by: KUNAL JOSHI (Roll No. 01102) Research Guide MR. MANGESH JADHAV Assistant Professor Department of Business Management Padmashree Dr. D.Y. Patil University CBD Belapur, Navi Mumbai APRIL 2013 Declaration I hereby declare that the dissertation “Credit risk management with reference to Punjab national bank, naupada thane” submitted for the MBA Degree at University’s Padmashree Dr. D.Y. Patil Department of Business Management is my original work and the dissertation has not formed the basis for the award of any degree, associate ship, or any other similar titles. Place: Mumbai Date: KunalPratap Joshi CERTIFICATE This is to certify that the dissertation entitled “Credit risk management with reference to Punjab national bank, naupada thane” is the bonafide research work carried out by Mr. Kunal Joshi student of MBA, at Padmashree Dr. D.Y. Patil University's Department of Business Management during the year 2011 -2013, in partial fulfillment of the requirements for the award of the Degree of Master in Business Management and that the dissertation has not formed the basis for the award previously of any degree, diploma, associate ship, fellowship or any other similar title...
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...5/31/2016 IBPS (PO) Previous Year Exam Paper 2012 "Reasoning" | BANK EXAM PORTAL : IBPS, SBI, PO, Clerk, Bank Exams, Jobs Aspirants Community. CURRENT AFFAIRS MAGAZINES | FREE EBOOKS SBI PO Notification 2016 | SBI PO Study Kit IBPS Book PDF Download Download A Free Audiobook talentsprint.com/Bank mobile.audible.com Free Download IBPS Formulas, and Prepare Tips to Save Time in Exam Start your 30Day Free Trial today. Download The App & Start Listening! IBPS (PO) Previous Year Exam Paper 2012 "Reasoning" IBPS Book PDF Download Free Download IBPS Formulas, and Prepare Tips to Save Time in Exam IBPS (PO) Previous Year Exam Paper 2012 Subject: Reasoning Directions (Q. 14) : Study the following information carefully and answer the given questions: A word and number arrangement machine when given an input line of words and numbers rearranges them following a particular rule in each step. The following is an illustration of input and rearrangement. (All the numbers are twodigit numbers.) Input : tall 48 13 rise alt 99 76 32 wise jar high 28 56 barn Step I : 13 tall 48 rise 99 76 32 wise jar high 28 56 barn alt StepII : 28 13 tall 48 rise 99 76 32 wise jar high 56 alt barn Step III : 32 28 13 tall 48 rise 99 76 wise jar 56 alt barn high Step IV : 48 32 28 13 tall rise 99 76 wise 56 alt barn high jar Step V : 56 48 32 28 13 ta99 76 wise alt barn high jar rise Step VI : 76 56 48 32 28 13 99 wise alt barn high jar rise tall Step VII : 99 76 56 48 32 28 13 alt barn high jar rise tall wise ...
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...ANG TEK LIAN, Petitioner, v. THE COURT OF APPEALS, Respondent. EN BANC [G.R. No. L-2516. September 25, 1950.] ANG TEK LIAN, Petitioner, v. THE COURT OF APPEALS, Respondent. Laurel, Sabido, Almario & Laurel, for Petitioner. Solicitor General Felix Bautista Angelo and Solicitor Manuel Tomacruz, for Respondent. SYLLABUS 1. CRIMINAL LAW; ESTAFA" ; ISSUING CHECK WITH INSUFFICIENT BANK DEPOSIT TO COVER THE SAME. — One who issues a check payable to cash to accomplish deceit and knows that at the time had no sufficient deposit with the bank to cover the amount of the check and without informing the payee of such circumstances, is guilty of estafa as provided by article 315, paragraph (d), subsection 2 of the Revised Penal Code. 2. NEGOTIABLE INSTRUMENTS; CHECK DRAWN PAYABLE TO THE ORDER OF "CASH" ; INDORSEMENT. — A check payable to the order of "cash to the person presenting it for payment without the drawer’s indorsement. D E C I S I O N BENGZON, J.: For having issued a rubber check, Ang Tek Lian was convicted of estafa in the Court of First Instance of Manila. The Court of Appeals affirmed the verdict. It appears that, knowing he had no funds therefor, Ang Tek Lian drew on Saturday, November 16, 1946, the check Exhibit A upon the China Banking Corporation for the sum of P4,000, payable to the order of "cash." He delivered it to Lee Hua Hong in exchange for money which the latter handed in the act. On November 18, 1946, the next business day, the...
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...BANKING A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers with capital deficits to customers with capital surpluses. Banking is generally a highly regulated industry, and government restrictions on financial activities by banks have varied over time and location. The current set of global bank capital standards is called Basel II. In some countries such as Germany, banks have historically owned major stakes in industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of a cross-share holding entity known as the keiretsu. The oldest bank still in existence is Monte dei Paschi di Siena, headquartered in Siena, Italy, which has been operating continuously since 1472.[1] Contents • 1. History o 1.1 Origin of the word • 2. Definition • 3. Banking o 3.1 Standard activities o 3.2 Wider commercial role o 3.3 Channels o 3.4 Business model o 3.5 Products 3.5.1 Retail 3.5.2 Wholesale • 4. Risk and capital • 5. Banks in the economy o 5.1 Economic functions o 5.2 Bank crisis o 5.3 Size of global banking industry • 6. Regulation • 7. Types of banks o 7.1 Types of retail banks o 7.2 Types of investment banks o 7.3 Both combined o 7.4 Other types of banks History Banks date back to ancient times. During the 3rd century AD...
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