...Research Paper in CORPORATE LAWS - I AN ANALYSIS OF THE LEGAL REGIME OF COMPANY DEPOSITS Submitted By Sachin Malhan BLIG 757 Table of Contents TABLE OF CASES 3 INTRODUCTION 4 The Coming into Vogue of Company Deposits Thorns in the Side? A Cause for Control RESEARCH METHODOLOGY 6 WHAT CONSTITUTES A COMPANY DEPOSIT 7 What is a Deposit? Constitution of “Public” Loans and Deposits Debentures and Deposits Secured Deposits DEPOSITS EXEMPT FROM THE REGULATORY FRAMEWORK 11 Status of Unclaimed Deposits INVITATION OF DEPOSITS 13 INCORPORATION OF CREDIT-RATING IN DEPOSIT ADVERTISEMENTS CRISIL Ratings 15 FINALISATION OF MATTERS RELATING TO ACCEPTANCE OF DEPOSITS Limits on Amounts Invited for Acceptance 17 The FERA Factor Penalty for Accepting Deposits in Excess of Limits PAYMENT...
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...Proceedings of 3rd Asia-Pacific Business Research Conference 25 - 26 February 2013, Kuala Lumpur, Malaysia, ISBN: 978-1-922069-19-1 Prospects of Islamic Banking in Bangladesh Md. Maruf Ullah and Md. Shahnur Azad Chowdhury In a developing country like Bangladesh, the Islamic banking system as a whole has a vital role play in the process of economic development. The study has been concentrated on “Prospect of Islamic Banking in Bangladesh”. The paper mainly emphasizes on analyzing the performance of Islamic banks and it has also identified some problems & opportunities and provided some suggestions. It has been tried to provide some information about future performance. The study also noted that there is a high demand for interest-free banking services from a segment of people in Bangladesh who have a strong desire to abide by the rules and principals set by Shariah. Along with religious requirement, economic exigencies provide a new outlook to the role of banking in promoting investment productive activities, influencing distribution of income and adding stability to the economy. Moreover, conventional banks offering Islamic banking as a parallel service are to add to their profitability, by attracting people who value the Shariah based system by enjoying the advantages of the special treatments from the Central bank. According to the survey, suitable and supportive legal framework would facilitate better growth of this sector. For a continued expansion of the Islamic Banking...
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...Marketing Research Project Report Topic: The Changing Trends in Investment Pattern of People in India In Partial Fulfilment of the Course Marketing Research Submitted To: Dr Shalini Trivedi, Assistant Professor, Department of Economics, Amity Business School, Amity University. Submitted by: Shivani Mehta (E 12) Nupur Mittal (E 21) Abdul Azeem (E 24) Prateek Saini (E 27) Jalees Ahmed (E 57) Rashmita Bora (E 61) DECLARATION We hereby declare that all the work presented in the project report entitled “The changing trends in investment patterns of people in India” of the subject Marketing Research at Amity Business School, Amity University, Noida is an authentic record of our own work carried out under the guidance of Dr. Shalini Trivedi, Assistant Professor, Department of Economics, Amity Business School, Amity University. CERTIFICATE This is to certify that project report entitled “The changing trends in investment patterns of people in India” of the subject Marketing Research, which is submitted by Nupur Mittal, Rashmita Bora, Shivani Mehta, Prateek Saini, Abdul Azeem and Jalees Ahmed at Amity Business School, Amity University, Noida is an authentic record of the candidate’s own work carried out by them under our guidance. The matter embodied in this thesis is original and has not been submitted for the award of any other degree. Dr. Shalini Trivedi, Assistant Professor, Department of Economics (Project Guide) ACKNOWLEDGEMENT We express...
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...ICICI Securities Limited Industry Report December 14, 2010 Price movement 14000 11000 8000 5000 Aug-10 Oct-10 Dec-09 Mar-10 May-10 Dec-10 Feb-10 Jul-10 8000 6000 4000 2000 Banking Industry Update Dec ‘10 Taking a breather, negatives surround… Banking stocks corrected across the board on the PSU banks ‘bribery for loans’ scam, 2G and MFI loans, liquidity concerns and rising G-Sec yields. However, one has to take a call on whether the sector will keep correcting further. We believe the sector will continue to remain under pressure in the near term where stocks may not give a sharp bounce-back but shall remain around these levels until we are able to see a sharp uptick in credit and deposits growth alongside pressure on yields easing off. Exhibit 1: Tight liquidity, short term rates up – longer term still better off 10 9 8 (%) 7 6 5 4 3 30-Nov-09 31-May-10 31-Aug-10 31-Mar-10 30-Nov-10 30-Sep-10 31-Oct-09 31-Jan-10 31-Dec-09 30-Jun-10 28-Feb-10 30-Apr-10 31-Oct-10 31-Jul-10 Bank Nifty Nifty (RHS) Repo Source: Bloomberg, ICICIdirect.com Research 1 Yr Gsec 3M CD 10 Yr Gsec The recent bribery for loans scam concern, mounting pension liabilities remain an overhang on the sector. We expect a reduction in valuation multiples of PSU banks, particularly midcap PSU banks. Their range of 1.5x-2x may shift to 1.4-1.8x. We recommend investors buy large cap stocks like HDFC Bank (higher CASA and corrected), Bank of Baroda (strong asset book) and among other midcaps...
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...Current financial crisis Economic growth involves metamorphosis of the financial system. Forms of banks and bank money change. These changes, if not addressed, leave the banking system vulnerable to crisis. There is no greater challenge in economics than to understand and prevent financial crises. The financial crisis of 2007-2008 provides the opportunity to reassess our understanding of crises. All financial crises are at root bank runs, because bank debt—of all forms—is vulnerable to sudden exit by bank debt holders. The current crisis raises issues for crisis theory. And, empirically, studying crises is challenging because of small samples and incomplete data. *Written as a contribution for Trade, Globalization and Development: Essays in Honor of Kalyan Sanyal, edited by Sugata Marjit and Rajat Acharya (Springer Verlag; forthcoming). Some of this essay draws from material in my book Misunderstanding Financial Crises (Oxford University Press; forthcoming November 2012). I worked at AIG Financial Products as a consultant from 1996-2008. I thank Doug Diamond, Bengt Holmström, Arvind Krishnamurthy, and Guillermo Ordoňez for comments.1 1. Introduction Economic development does not result in the elimination of financial crises. The recent financial crisis of 2007-2009 in the United States and Europe shows that market economies, however much they grow and change, are still susceptible to collapse or near-collapse from financial crisis. This is a staggering thought...
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...institutions has accelerated the significance of Islamic banks as in Islam these CSR practice have been emphasized in different ways. Likewise the Islamic financial institutions all over the world, Islamic banks in Bangladesh are also being engaged in various social activities as a part of their responsibilities. In this study it has been tried to find out whether the Islamic Banks of Bangladesh are adhering to the prescribed forms of the CSR activities or not. This paper is mainly designed based on the CSR forms to be followed by Islamic banks as has been prescribed by Farook (2007) in his study “On Corporate Social Responsibility of Islamic Financial Institutions” under the light of Islamic Shariah. The research found compliance to the mandatory forms by the 6 full fledged sample Islamic banks in Bangladesh whereas variety in involvement in recommended forms of CSR activities by considering the scenario of banks from 2007 to 2011. The study also finds a strong positive correlation between CSR expenditure and sample banks’ deposit, loan and profitability. Keyword: Corporate social responsibility, Islamic banking. 1. Introduction The practice of Corporate Social Responsibilities in corporate world as well as financial institutions has brought a new shape to the social economic scenario of the world around. According to Dusuki & Dar (2005) Corporate Social Responsibilities outlines...
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...Internship Report on “Overall Branch Banking and A Comprehensive Review on Investment of First Security Islami Bank Ltd” [pic] “Overall Branch Banking and A Comprehensive Review on Investment of First Security Islami Bank Ltd” Submitted to Dr. Mohammad Fashiul Alam Professor Department of Management Faculty of Business Administration, University of Chittagong. Submitted by Muhammed Ehsanuzzaman Program: EMBA ID No – 09535071 Batch – 34th School of Business University of Information Technology & Sciences 40/1, Zakir Hossain Road, Khulshi, Chittagong. Submission Date This report is submitted as the partial fulfillment of EMBA program Letter of Submission September 0, 2011. To Dr. Mohammad Fashiul Alam Professor Department of Management Faculty of Business Administration, University of Chittagong. Subject: Submission of Research Paper Dear Sir, It is my pleasure to submit my Research Paper on “Overall Branch Banking and A Comprehensive Review on Investment of First Security Islami Bank Ltd “as a part of E.M.B.A. Program. I tried my best to gather relevant information for preparing a complete report by following internship proposal. Without the sincere co-operation and proper guidance of you, it is not possible for me to prepare the report. For this act of kindness...
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...Roman Empire had a highly developed banking system, and its bankers accepted deposits of money, made loans, and purchased mortgages History of International Banking Collapsing Roman Empire in AD 476 was a major set back and banking declined in Europe. Italians are the first to have organised international banking due to the increase of trade in the 13th‐ century. The moneychangers of the Italian states developed facilities for exchanging local and foreign currency. As trade is growing, merchants demanded other services, such as lending money, and gradually bank services were expanded. Banking in the modern sense of the word can be traced to medieval and early Renaissance Italy, to the rich cities in the north such as Florence, Venice and Genoa. First reported international banks were established in Genoa, Milan, Venice and Florence in 12th Century According to the Encarta encyclopaedia the first bank to offer most of the basic banking functions known today was the Bank of Barcelona in Spain. This was founded by merchants in 1401. This bank held deposits, exchanged currency, and carried out lending operations. It also is believed to have introduced the bank check. Three other early banks, each managed by a committee of city officials, were the Bank of Amsterdam (1609), the Bank of Venice (1587), and the Bank of Hamburg (1619). These institutions laid the foundation for modern banks of deposit and transaction. Since 1500: Portuguese role ‐ explorations Dutch role ‐...
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...[pic] Term Paper: On Cash Flow Statement of DBBL Date of Submission: Term paper on Of Dutch Bangla Bank Limited [pic] Supervised By- Tahamina Hossain Lecturer Dept. of Accounting Mohammadpur kendriya college, Dhaka. Prepared by- Md. Alamin Khan Exam. Roll. 9596583 Exam. Reg. 1649101 Session: 2009-2010 Dept. of Accounting Mohammadpur Kendriya college, Dhaka Date of Submission: Letter of Transmittal 18 April, 2013 Tahamina Hossain Lecturer Dept. of Accounting Mohammadpur kendriya college, Dhaka. Subject: Submission of the Term paper. Dear Sir, It is my great pleasure to submit the internship term paper titled Financial statementas per requirement of BBA program. I have completed in term paper on Dutch Bangla Bank. The term paper has given me the opportunity to learn about different aspect of a reputed organization. Before facing the real economic world, I have gathered pre idea about the organization culture. Both the primary and secondary data have been used to prepare this term paper. A customer survey was conducted for getting real information from the customers who have already taken various services from the bank. I have acquired the valuable experiences through this term paper under supervision of you. I would like thank you and the University for giving me the opportunity to do term paper and for helping me to prepare the term paper. Sincerely yours, Md. Alamin Khan Exam. Roll. 9596583 Exam. Reg. 1649101 Session:...
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...Policy Analysis Unit (PAU) Working Paper Series: WP 0709 Non-Bank Financial Institutions in Bangladesh: An Analytical Review Md. Nehal Ahmed Mainul Islam Chowdhury March 2007 Policy Analysis Unit (PAU) Research Department, Bangladesh Bank Head Office, Dhaka, Bangladesh (www.bangladeshbank.org.bd) (www.bangladesh-bank.org) Policy Analysis Unit* (PAU) Working Paper Series: WP 0709 Non-Bank Financial Institutions in Bangladesh: An Analytical Review Md. Nehal Ahmed Mainul Islam Chowdhury Research Economist Policy Analysis Unit Research Department Bangladesh Bank March 2007 Copyright © 2007 by Bangladesh Bank * In an attempt to upgrade the capacity for research and policy analysis at Bangladesh Bank (BB), PAU prepares and publishes several Working Papers on macroeconomic research every quarter. These papers reflect research in progress, and as such comments are most welcome. It is anticipated that a majority of these papers will eventually be published in learned journals after the due review process. Neither the Board of Directors nor the management of BB or any agency of the Government of Bangladesh, however, necessarily endorses any or all of the views expressed in these Papers. The latter reflect views based on professional analysis carried out by the research staff of Bangladesh Bank, and hence the usual caveat as to the veracity of research reports applies. [An electronic version of this paper is available at www.bangladeshbank.org.bd] ...
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...OF SHALE GAS DEVELOPMENT IN INDIA: A term paper by Tejal Johri (MPE1296) and Shruti Sharma (MPE1293) for Semester 1 Course: Environment and Development Department of Policy Studies, The Energy and Resource Institute (New Delhi) Submitted on 9th December 2012 Table of Contents Executive Summary 1 Literature Review 4 Scope 6 Conclusion 10 Works Cited 11 Executive Summary The gradual shift of the US gas sector- from one of deficit to one of surplus has gathered appreciative appraisals from the rest of the world and initiated talks about the prospect of harnessing shale gas in other countries, as US reached the lowest CO2 emission level in the last 20 years due to shift to natural gas. It has been referred to as “the biggest energy innovation of the decade”, in light of the growing need for suitable alternatives to conventional oil and gas with increasing pressure on energy over time. 90% of global shale gas is currently produced by the US. India meets two-thirds of its petroleum requirements by importing of fuels that include coal, and this figure is expected to rise in the future in spite of India being a coal-rich country. Even with introduction of more efficient technologies and cases of higher CO2 emission reduction, our country’s import dependence on petrol, oil and gas will significantly rise in the future, raising the pressure on the resources. This concern for energy security calls for further research in technological solutions for greater efficiency...
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...objective of the Vietnamese authorities in the coming five years is it to strengthen the integration of the Vietnamese economy into the world economy. An important milestone has been the Vietnam-US Bilateral Trade Agreement, BTA. A subsequent milestone will be Vietnamese membership in the WTO, which is under preparation and expected for 2006. As part of this process of internationalisation, Vietnam is also opening its financial sector to foreign financial institutions. Currently, foreign banks have already started to provide banking services in Vietnam. Internationalisation will pose major challenges for financial sector polices, underlining the importance of further progress with financial sector reforms and reforms of monetary policy. This paper will present the current status of the reform of monetary policy in the context of economic and financial sector developments in Vietnam and identify key reform issues with respect to monetary policy. Section 2 will give a brief overview of principal economic and financial developments to situate monetary policy in the context of economic developments in Vietnam. Section 3 describes the monetary policy framework currently in use in Vietnam, and Section 4 presents empirical results on the determinants of inflation and the role of monetary factors. 2. 2.1 Background: macroeconomic developments Economic growth and inflation The Vietnamese economy has shown strong economic performance since the early 1990s (Figure 1). Annual average...
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...formulating monetary policy and determining the trend of economic activities. In order to meet that end, the SBS forms which were used earlier for collection of all types of information/data from the banking sector in Bangladesh have been revised and enlarged. The Statistics Department of the Bangladesh Bank published Banking Statistics Guidelines 8 (Eight) years ago in the form of a booklet for enabling the scheduled banks to fill in the above forms properly and submitting the same to the Bangladesh Bank. In the current edition of the booklet, detailed explanatory notes of the terms have been given in addition to the revisions of definitions of some terms. Necessary changes and modifications have also been made in some areas pertaining to deposits and advances and on codes relating to advances classified by economic purpose. Statistics Department Bangladesh Bank ii Table of Contents MEMBERS OF THE EDITORIAL...
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...INVESTMENT BANK Definition:- Investment bank is a financial institution that assists individuals, corporations, and governments in raising capital by underwriting and or acting as the client's agent in the issuance of securities. An investment bank may also assist companies involved in mergers and acquisitions and provide ancillary services such as market making, trading of derivatives and equity securities, and FICC services (fixed income instruments, currencies and commodities). Investment banks do not take deposits. There are two main lines of business in investment banking. Trading securities for cash or for other securities (e.g. facilitating transactions, market-making), or the promotion of securities (e.g. underwriting, research, etc.) is the "sell side", while buy side is a term used to refer to advising institutions concerned with buying investment services. Private equity funds, mutual funds, life insurance companies, unit trusts, and hedge funds are the most common types of buy side entities. An investment bank can also be split into private and public functions with an information barrier which separates the two to prevent information from crossing. The private areas of the bank deal with private insider information that may not be publicly disclosed, while the public areas such as stock analysis deal with public information. List of the bank: 1) CIMB Investment Bank Berhad 2) RHB Investment Bank Berhad 3) Alliance Investment...
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...FISV 3040 Money & Capital Market Research Paper On Financial System Reform Presented to Professor Jean Holt October 29, 2015 Prepared by Yi Que Abstract: 1998-2013: An Analysis of the Tangible and Intangible Costs of Financial Regulatory Reform and Deregulation (The Financial Institutions Deregulation and Reform Act 1999* and the Dodd-Frank Act 2010) on United States Capital Markets and Institutions as measured by Debt Loan Types and Bank Profitability. Key words: Glass-Steagall Act, Financial Institutions Deregulation and Reform Act, Dodd-Frank Act, investment bank, financial statements. II. Table of Content I. Cover Page1 II. Table of Content2 Abstract, key works2 III. Introduction3 IV. Statement of Problem5 V. Background12 V. Results from Research & Summary13 VI. Works Cited 14 III. Introduction United Sates financial reform dates from the last century, in 1930s’ Great Depression. To have a brief talk about US financial reform, which is a long and arduous project. Aim to reach the goal that has to include three important acts: Glass-Steagall Act, Gramm-Leach-Bliley Act, and Dodd-Frank Act. Throughout history, the financial system in US has experienced the mixed operation and separated operation processes, as well as various financial institutions and regulatory authorities continue to be perfected. US financial reform and innovation continue to promote the US economy continues to develop and progress. Next, I will briefly introduce each act in the basic...
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