...A PROJECT REPORT ON CONTEMPORARY ISSUES IN BANKING SECTORS In partial fulfillment for the requirement of the project study course in two year fulltime masters of business administration programme of Gujarat University Submitted To: N.R.Institute of business management Submitted By: Project Guide: Tejas Thakker [08111] PROF. Dr. Sneha Shukla Harshal Parikh [08071] Batch: 2008-2010 [pic] N.R Institute of Business Management Table of content |CHAPTER No. |PARTICULARS |PAGE No. | | |Preface | | | |Acknowledgement | | | |Executive Summary | | | |Research Methodology | 1 | | |Objective | 2 | |1 |Introduction to the banking industry | 3 ...
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...The course inputs are designed to accomplish the following objectives. * To help students to understand the role and functions of Commercial Banks, main strategic issues in retail and corporate banking and the risks faced by the Banking Industry in India. * To familiarise the students with the new Banking Practices and Processes including new banking technologies. * To familiarise the students with the legal and regulatory framework for banks in India. * To equip the students with the tools and techniques used in interpreting and evaluating the performance, profitability, productivity, and efficiency of the Commercial Banks. * To equip the students with the in-depth knowledge of Bank Financial Management Process including Treasury, Investment, Asset Liability Management & Risk Management. * To equip the students with the in-depth knowledge and skills in Credit Analysis & Appraisal Processes relating to the banks’ lending decisions like Working Capital Financing, Term Loan & Project Financing, Domestic & International Trade Finance including Export-Import Finance, BG (LG) & LC, Retail Asset Financing like Home Loans, Car Loans, Educational Loans, Gold Loans, Loans ag. Securities, Personal and Credit Card Loans. * To understand and appreciate customer-focused banking, integrated risk management like interest-rate risk, liquidity risk, market risk,...
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...Vision 3 3 Guiding Principles 5 4 Main Strategies 9 4.1 Risk reduction 9 4.2 Enlargement of access to banking and payment services 14 4.3 Enlargement of electronic networks of individual banks and interoperability 17 5 Business Process Modeling and Architecture of the New NPS 19 5.1 The central role of electronic data exchange in the new NPS 19 5.2 Centralized clearing of large value payments 21 5.3 Centralized versus decentralized clearing of retail payment instruments other than cheques 22 5.4 Centralized versus decentralized clearing of cheques 24 5.5 Overall architecture of the NPS 25 5.6 The NPS communication network 31 6 Outline of the Strategic Plan 38 6.1 Core elements of the strategic plan 38 6.2 Systems and facilities to be acquired 39 6.3 Efficient use of modern technology to reduce investment costs and to avoid possible underutilization of the systems 39 7 Working out of the Core Elements 43 7.1 Development of a legal framework and physical infrastructure that will Support the new NPS 43 7.2 The communication network 46 7.3 The infrastructure for large value and time critical payments 48 7.4 Payment instrument mix and access to payment services 52 7.5 The upgrading of the systems for payment processing of commercial banks and connection of branches to the head office 54 7.6 The infrastructure for clearing and settlement of retail payments 55 7.7 Cross border payments 60 7.8 The infrastructure for the clearing and settlement of...
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...Financial Institutions in India- Financial sector plays an indispensable role in the overall development of a country. The most important constituent of this sector is the financial institutions, which act as a conduit for the transfer of resources from net savers to net borrowers, that is, from those who spend less than their earnings to those who spend more than their earnings. The banking institutions of India play a major role in the economy of the country. The banking institutions are the providers of depository and transaction services. These activities are the major sources of creating money. The banking institutions are the major sources of providing loans and other credit facilities to the clients. Apart from the banking financial institutions, there are a number of specialized financial institutions in India that have been incorporated for a definite purpose. These institutions include the insurance companies, the housing finance companies, mutual funds, merchant banks, credit reporting and debt collection companies and many more. Apart from these, there are several other financial institutions that are existing in the country. These are the stock brokers and sub-brokers, portfolio managers, investment advisors, underwriters, foreign institutional investors and many more. They are divided in two categories. The first type refers to the regulatory institutions and the second type refers to the intermediaries. * The regulators are assigned with the job of governing...
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...Reinventing Retail Banking Series Evolving Models of Retail Banking Distribution Capitalizing on changes in channel usage Produced by the Deloitte Center for Banking Solutions Reinventing Retail Banking Generation Y Reinventing Retail Banking Series Consumer Trust Reinventing Retail Banking Series Catalysts for Change The Implications of Gen Y Consumers for Banks Building Consumer Trust in Retail Payments Laying a Solid Foundation Produced by the Deloitte Center for Banking Solutions Produced by the Deloitte Center for Banking Solutions The traditional retail bank is at an inflection point. The needs and expectations of customers are changing as quickly as the competitive landscape. Customers are demanding seamless, multi-channel sales and service experiences and not consistently receiving them. Simultaneously, other financial institutions and non-traditional players are looking for opportunities to invade this space or to redefine it through disruptive innovation. The result is forcing banks to examine a more balanced, integrated approach to the customer experience and growth. In this series, entitled Reinventing Retail Banking, the Deloitte Center for Banking Solutions looks at how banks must move beyond simply meeting their profit and growth goals to delivering more completely on the customer experience. Specifically, these articles will focus on: understanding customers needs; identifying emerging and profitable customer segments and strategies...
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...Fatou Ceesay Senior Consultant Deloitte Consulting LLP Dallas Mobile: +1 918 809 7378 Tel: +1 214 840 1066 Summary of Experience and Qualifications Over one year of Consulting experiece Primarily in the Financial Services Industry in the area of Mortgage Banking, and in the Retail Industry in the are of Finance Transformation – Close Consolidation for one of the largest retailer in the world. Prior to which, I have had nine years of combined industry and public accounting experience. Prior industry experience includes six years in Financial Services in areas of Consumer Banking and Wealth Management. Public accounting experience in audit in variety of industries, including Financial Services, Health Care and Not-For-Profit. Excellent work ethic detailed oriented, positive attitude, client service oriented, quick learner and self-motivated. Deloitte Experience Industry: Financial Services – Banking: Consulting Service Line: Finance Senior Consultant; October 2012 to Current. 2,652 Billion (Assets) Global Financial Services Corporation. Deloitte was hired to help one of the world’s largest banking and financial services organizations divest and outsource the servicing of a $50 billion loan portfolio. Deloitte help identify and create all relevant documents and contract content required and necessary for the transaction. Role: Responsible for: Gethering information, creating data and developing content for key contract exhibits. Organized and...
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...Feb 2008 till date Product Development & Marketing Associete ( Assets product manager ) – Retail Banking 1. Enhance existing financial products to keep its sales at acceptable levels 2. Use innovative techneques in designing products to enhance bank image 3. Identify revenue opportunities to add to bank 4. Study market segments and explore the possibilities of introducing new scheme to special segments to increase market penetration 5. Monitor performance of the products/ services by tracking performance closely 6. Work with communications to develop media plan 7. Develop products to achieve the desired sales levels Achievements 8. Managing the second largest Retail Assets Portfolio in Egypt with total receivables of € 1 Billion 9. Revamping products credit policies as well as introducing new product programs catering for A-C segments and self employed categories 10. Market Segmentation and Identification of untapped opportunities maximizing market share 11. Building up in collaboration with credit and operations functions Strong business backbone and up - scaled processing capacity for business centralization. Business Flow Management System 12. Establishing a comprehensive Auto Loans business model with expanded dealers network coverage and full scaled Incentives structure 13. Managing Taxi replacement project as Alex Bank is the Primary retail financer for this Project in collaboration with the Ministry Of Finance. Portfolio Size of € 100M 14. Managing Governmental...
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...MBA PROJECT TITLES Check out this comprehensive collection of MBA project titles at a2zmba.com. Learn how to do your project better and easily...MBA Projects made easy.. Get help for your MBA project from a2zmba users here. Post your project related queries here.. 1. Product strategies of private life insurance companies 2. A study on "why companies should go for outsourcing" 3. Effectiveness of advertising on real estate sector 4. Study on consumer expectations and perceptions towards consumer loans 5. Workers attrition rate at hotel industry is increasing. Study regarding this issue 6. Attrition rates at different sectors 7. Effectiveness and scope of employee referrals in the process of talent sourcing 8. Study of training needs across different industries 9. Study on creation of luxury brand 10. Strategies used to build successful Internet based customer services 11. Measuring the effectiveness of retail banking of a nationalised bank compared to a MNC 12. Conspicuous consumption 13. Study of awareness and acceptibility of UPVC windows and door systems 14. Opportunities of Financing the NANO's in Bangalore 15. Changing trends in FMCG industry in India 16. A study of best HR practices in service industry 17. Fundamental analysis of Indian telecom companies 18. Study of consumer behaviour in automobile industry 19. customer buying behaviour towards insurance products 20. Promotion strategies followed in Insurance sector 21. Study on changing consumer preference...
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...Reinventing Retail Banking Series Evolving Models of Retail Banking Distribution Capitalizing on changes in channel usage Produced by the Deloitte Center for Banking Solutions Reinventing Retail Banking Generation Y Reinventing Retail Banking Series Consumer Trust Reinventing Retail Banking Series Catalysts for Change The Implications of Gen Y Consumers for Banks Building Consumer Trust in Retail Payments Laying a Solid Foundation Produced by the Deloitte Center for Banking Solutions Produced by the Deloitte Center for Banking Solutions The traditional retail bank is at an inflection point. The needs and expectations of customers are changing as quickly as the competitive landscape. Customers are demanding seamless, multi-channel sales and service experiences and not consistently receiving them. Simultaneously, other financial institutions and non-traditional players are looking for opportunities to invade this space or to redefine it through disruptive innovation. The result is forcing banks to examine a more balanced, integrated approach to the customer experience and growth. In this series, entitled Reinventing Retail Banking, the Deloitte Center for Banking Solutions looks at how banks must move beyond simply meeting their profit and growth goals to delivering more completely on the customer experience. Specifically, these articles will focus on: understanding customers needs; identifying emerging and profitable customer segments and strategies...
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...Project Proposal ------------------------------------------------- HSBC Bangladesh: Strategic plan for consolidating market base in commercial banking segment Prepared For Dr. A.K.M Saiful Majid Course Instructor, Strategic Management Prepared By Zahedul Amin, Roll- ZR-33 EMBA Batch 13 Institute of Business Administration, University of Dhaka Background The report will be prepared as part of the course requirement for the Strategic Management course, under the supervision of our esteemed faculty, Dr. Saiful Majid. HSBC Bangladesh has gained significant traction since entering the market in 1998. They have adopted a set of focused strategies enabling them to position themselves as a premium brand in the commercial banking segment. Alongside, they have forayed in the retail and structured financing segment securing spectacular performance. The report intends to focus on recent strategic changes which resulted in HSBC effectively closing retail banking wing. This is the result of the organization’s internal restructuring which led to renewed focus on commercial banking which has higher profitability and lower classified loans. Scope The report will be based on publicly available documents and on Key Informant Interviews (KIIs) with company middle-management. The report will make use of previously available internal surveys and studies deemed non-classified by company management. Application of tools learned in the Strategic management course will be selectively...
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...Futurus Programme is the key graduate entry career development programme within the Bank of Ireland Group. The objective is to enhance graduate entrants’ technical and personal skills through a structured and supportive programme which will strengthen our future senior leadership talent pipeline. It is aimed at high calibre graduates and provides a comprehensive, consistent and integrated programme which will support the development of a broad group mindset and rounded skill set in all graduates. Participants are given a combined opportunity to develop both specialist skills and personal development. These skills will equip graduates to develop their careers and challenge for significant roles in the future. Vacancies available in: Retail Division Ireland & UK Group Supports (HR, Finance, Credit & Market Risk, Audit) Corporate & Treasury Division Vacancy Locations: Ireland & UK Minimum Requirements: Relevant Primary Degree at 2:1 Level or Masters Degree (Expected or Achieved) Desirable Degree Specialism: Finance, Mathematics, Engineering, Actuarial, Quantitative Studies, Arts (e.g. Business, Economics or Finance), Science, Computer Science Essential Requirements: Strong Customer Focus Demonstrate Initiative and Flexibility Intellectual agility and a willingness to challenge the status quo High achiever and excellent team player Strong Interpersonal and Communication Skills ...
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...(i)Executive Summary This project discusses the Strategic Management process which Robbins and Coulter (2007:240) define as” A six –step process that encompasses strategy planning, implementation, and evaluation”. The project is based on the strategic management of Barclays Bank. The main goal of Barclays bank is to satisfy people’s needs and offer them the best service. According to Jones and George (2008:308), the SWOT analysis is “A planning exercise in which managers identify organizational strengths (s) and weaknesses (W) and environmental opportunities (O) and threats (T)”. Strengths might include adequate financial resources, economies of scale, and proprietary technology. Weaknesses include lack of strategic direction, obsolete facilities, and lack of managerial depth and talent. Whereas, Opportunities might include the possibility of serving additional customers in the face of weakening competition, or the chance to enter foreign markets due to falling trade barriers. Threats might include the likely entry of new lower-cost foreign competitors, rising sales substitute products, and slowing market growth (Dessler, 2004). Four important features that lead to the success of Barclays bank are: High quality products, team spirit between the bank’s employees, wide spread global presence and strong management with well educated managers. Although Barclays bank is a highly qualified bank, it still lacks important services and offers like Islamic banking and Drive through...
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...Internship report on Retail Banking Unit & Performance Evaluation of IFIC Bank PREPARED BY Tamanna Lutfa BRAC Business School Internship report on Retail Banking Unit & Performance Evaluation of IFIC Bank Ltd. Submitted By Tamanna Lutfa ID: 07204012 Submitted To Mr. Abdul Alim Baser Lecturer BRAC Business School BRAC University S U B M I S S I O N D A T E: DECEMBER 2 7, 2 0 1 1 Letter of Transmittal 27th December, 2011 To Abdul Alim Baser Lecturer BRAC University Subject: Submission of internship report on Retail Banking Unit & Performance Evaluation of International Finance Investment & Commerce Bank Ltd. (IFIC) Dear Sir, It gives me enormous pleasure to submit the internship report on “Retail Banking Unit & Performance Evaluation of IFIC Bank Ltd”. I expect this report to be informative as well as comprehensive. While conducting the report, I have gathered lots of knowledge about retail credit and many unknown facts, problems and prospects of retail or consumer lending on different banks like Prime Bank, Trust Bank, AB Bank, Dhaka Bank etc. I believe that the experience I acquired from this study will facilitate me a lot in my future career life. It has also to be mentioned that without your expert advice and cooperation it would not have been possible to complete this report. I shall be pleased to answer any sort of query you may have regarding the report. Sincerely yours, -----------------------------------------Tamanna Lutfa ID: 07204012 ...
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...of any project depends largely on the encouragement and guidelines of many others. I take this opportunity to express my gratitude to the people who have been instrumental in the successful completion of this project. I would like to show my greatest appreciation to Prof. Kanchan Binyani. I can't say ‘thank you’ enough for her tremendous support and help. I feel motivated and encouraged every time I attend her lectures. Without her encouragement and guidance, this project would not have materialized. The guidance and support received from all the members who contributed to this project, was vital for the success of the project. This project highlights the emergence of Internet banking and the growing dependence of Net banking by various Institutions. It also showcases the challenges faced and the opportunities available. INDEX TOPIC PG. NO * Online Banking in India 1 ( Introduction) * Features of Online Banking 2 * Requirements of Online Banking ` 3 * City Union Bank 4 (Introduction) * City Union Bank 5 (Net Banking Requirements)...
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...experience in Banking and IT Industry. Involving in functional testing ✓ Working as Associate Test Lead around 2 years and Worked as Assistant Manager in ICICI Bank Ltd for 4 Years ✓ Good understanding of business processes of Banking Industry and Testing Industry. ✓ Extensively used defect Management tools like Digite and Quality Centre ✓ Basic knowledge in Testing Methods. ✓ Knowledge in Oracle SQL* Plus Queries ✓ Involved in preparation of MIS reports in Daily, Weekly and Monthly basis ✓ Extensive knowledge in MS-Access ✓ Strong domain knowledge in Retail Banking and Lending ✓ A Self Initiator, Deterministic, Goal-Oriented, Proactive, Adaptive and Possess good Communication Skills TECHNICAL SKILLS Operating System: Windows NT/XP/2003/2007/Macintosh Languages: C, C++, SQL RDBMS: MS-Access Reporting Tools: Business Object Report, Crystal Report EDUCATION / CERTIFICATION ✓ Bachelor of Science from Madurai Kamaraj university college, Madurai, India during 2001-2004. ✓ Master of Business Administration from Tamilnadu college of Engineering, Coimbatore, India during 2004-2006 PROFESSIONAL EXPERIENCE ✓ Maveric Systems Ltd., India, Associate Test Lead March ’10 – Till date ✓ ICICI Bank Ltd, India, Programmer August ‘06 to March ‘10 ICICI BANK LIMITED TamilNadu Duration: 4 Years Designation: Assistant Manager (Branch Operations) Software application used: FINACLE (core banking solution...
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