...IndusInd Bank Ltd. is a new generation Indian bank established in 1994. IndusInd Bank is considered as the first new generation private sector bank in India. It has always been tech-savvy and frequently adopts the latest technology available to the banking sector to stay updated and provide the best services to its customers. The bank has been expanding across the country with high global level service benchmarks. IndusInd Bank has more than 1000 branches across the country with representative offices in London, Dubai, and Abu Dhabi. Among various financial products offered by the bank, personal loan is certainly the most favoured one due to high consumer satisfaction. A detailed overview of the personal loan offered by IndusInd Bank is...
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...Questionnaire for Green Banking 1. Name: 2. Age: 3. Family Income: 4. Do you have an account in any of the below private or public sector bank? * Yes Bank * ICICI Bank * SBI * IndusInd Bank 5. Have you heard of Green Banking? * Yes * No If yes, from what sources have you heard of it? * T.V Programs * Newspaper * Online * Others 6. Are any of the following banks, are you aware that follow Green Banking? * Yes Bank * IndusInd Bank * SBI * ICICI Bank 7. Do you think these banks are doing their bit towards Green Banking? * Yes * No 8. Which bank among the following is the only bank which was nominated for 2007 ET sustainable banking award? * Yes Bank * IndusInd Bank * SBI * ICICI Bank 9. What all are the Green Banking applications you are aware of? Ans: 10. Are you using any of the following Green Banking applications? * Online Banking * Solar powered ATMs * Green Credit Cards * Green Checking Accounts * Green loans 11. Are banks giving you enough information or promoting Green Banking whenever you visit? * Yes * No If yes, how? * Pamphlets * Cell phone messages * Door-to-door info 12. In your opinion how is Green Banking more effective than regular banking? Ans: 13. You would like to promote which of the following applications all over the country? * Solar powered ATMs * Clean Development Mechanism(CDM)...
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...Green Banking Questionnaire for Green Banking 1. Name: 2. Age: 3. Family Income: 4. Do you have an account in any of the below private or public sector bank? * Yes Bank * ICICI Bank * SBI * IndusInd Bank 5. Have you heard of Green Banking? * Yes * No If yes, from what sources have you heard of it? * T.V Programs * Newspaper * Online * Others 6. Are any of the following banks, are you aware that follow Green Banking? * Yes Bank * IndusInd Bank * SBI * ICICI Bank 7. Do you think these banks are doing their bit towards Green Banking? * Yes * No 8. Which bank among the following is the only bank which was nominated for 2007 ET sustainable banking award? * Yes Bank * IndusInd Bank * SBI * ICICI Bank 9. What all are the Green Banking applications you are aware of? Ans: 10. Are you using any of the following Green Banking applications? * Online Banking * Solar powered ATMs * Green Credit Cards * Green Checking Accounts * Green loans 11. Are banks giving you enough information or promoting Green Banking whenever you visit? * Yes * No If yes, how? * Pamphlets * Cell phone messages * Door-to-door info 12. In your opinion how is Green Banking more effective than regular banking? Ans: 13. You would like to promote which of the following applications all over the country? * Solar powered ATMs * Clean...
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...MANAGEMENT BY INDUSIND BANK LTD.” Undertaken at INDUSIND BANK, AGRA 10th April to 10th June 2009 Submitted by SUBODH AGARWAL Enrollment no. : 4108163163 Management of Business Finance INDIAN INSTITUE OF FINANCE CORPORATE GUIDE: MR. ASHOK SHARMA ASST. MANAGER AGRA BRANCH, AGRA UTTAR PRADESH. ACKNOWLEDGEMENT Expressing gratitude is not just an exercise of formality rather doing so evokes the memories of my association with my mentors and mates. I thank Chairman Prof. J. D. Agarwal and Director Aman Agarwal for allowing me to carry out this project. I wish to express my sincere gratitude to my corporate guide, Mr. Ashok Sharma for guiding me to understand the concepts those were not clear to me. I learnt a lot from his professional sknowledge. SUBODH AGARWAL 4108163163 Management of Business Finance Preface As a part of Management of Business Finance (MBF) programme, a student has to pursue a project duly approved by the Director of the Indian Institute of Finance. I had the privilege of undertaking a project on “Risk Management by INDUSIND BANK LTD.” My project report is divided into seven chapters and they are given as under: Chapter 1 INTRODUCTION Chapter 2 Review of literature Chapter 3 Research Methodology Chapter 4 Analysis Chapter 5 Consist of Findings, Conclusion, Suggestions, Limitations SIGNATURE: Name: SUBODH AGARWAL Enrollment No.: 41O8163163 Management of Business Finance CERTIFICATE This is to certify that “Risk Management by Indusind Bank”...
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...crores (fiscal year ended March 31, 2015) Number of employees 7,500 Citibank financials: https://www.online.citibank.co.in/portal/newgen/home/Website-Citibank-Financials-2015.pdf Citibank India is an Indian private sector bank headquartered in Mumbai, Maharashtra. It is a subsidiary of Citigroup, a multinationl financial services corporation headquartered in New York City, United States. The Indian Headquarters are at Bandra Kurla Complex, a hub for multinational corporations in Mumbai. Currently, Citigroup, the owner of Citibank India, is the largest foreign direct investor in financial services in India with a total capital commitment of approximately US$4 Billion in its onshore banking and financial services business and its principal and alternate investment programmes.It operates 44 full-service Citibank branches in 31 cities and over 700 ATMs across the country. Citibank is an employer of about 7,500 people. Citi offers consumers and institutions a broad range of financial products and services,including consumerbanking and credit, corporate and investment banking, securities brokerage, and wealth management. Citi's franchise in India includes businesses such as equity brokerage, equities distribution, private banking (Citi Private Bank) and alternate investments and private equity (CVCI). Tagline/ Slogan: Citi Never Sleeps SWOT Analysis Strength 1. Strong brand name and good financial position 2. Extensive portfolio for the customers 3. Strong advertising...
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...financial market in many emerging countries and hence its role in economic development can not be overemphasized. In addition, world over, financial markets are getting less insular. The investors in developed countries are seeking investment opportunities beyond the confines of their domestic economy to enhance return and diversify risks. The investment in stock involves many risks. The investor has to know the exact time to buy and sell a security. The investors have to carry analysis before investing in any stocks. Most of the investors are unaware about the analysis to be carried out before investing. The study involves analysis of earnings per share, price to earnings and analysis of risk through beta value, of the banks in equity market. Technical analysis helps the investor to know whether the stock is in over sold region or over bought region and to find any trend reversals. Based on these analysis investor can make buy or sell decision. Indian banking industry...
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...Immediate Payment Service (IMPS): Introduction IMPS is a service provided by Indian banks to their customers to help them carry out interbank funds transfers in real-time. Customers do not need to wait for the bank to open to transfer money and are free to transfer funds on weekends, holidays or weekdays. The terms of service may be slightly different from one bank to another. The maximum amount that the customers can transfer using IMPS is Rs. 2 lakh. Here are a few ways people can use IMPS: • Transfer funds • Receive payments • Carry out mobile banking transactions • Make merchant payments • Search Aadhaar Seeding status with the bank account IMPS Transaction Charges Banks levy fees on each IMPS transaction. The rate may vary slightly...
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...categories, non-scheduled banks and scheduled banks. Scheduled banks comprise commercial banks and the co-operative banks. In terms of ownership, commercial banks can be further grouped into nationalized banks, the State Bank of India and its group banks, regional rural banks and private sector banks (the old/ new domestic and foreign). These banks have over 67,000 branches spread across the country. The first phase of financial reforms resulted in the nationalization of 14 major banks in 1969 and resulted in a shift from Class banking to Mass banking. This in turn resulted in a significant growth in the geographical coverage of banks. Every bank had to earmark a minimum percentage of their loan portfolio to sectors identified as “priority sectors”. The manufacturing sector also grew during the 1970s in protected environs and the banking sector was a critical source. The next wave of reforms saw the nationalization of 6 more commercial banks in 1980. Since then the number of scheduled commercial banks increased four-fold and the number of bank branches increased eight-fold. After the second phase of financial sector reforms and liberalization of the sector in the early nineties, the Public Sector Banks (PSB) s found it extremely difficult to compete with the new private sector banks and the foreign banks. The new private sector banks first made their appearance after the guidelines permitting them were issued in January 1993. Eight new private sector banks are presently in operation...
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...ICICI was the first bank to champion its usage and introduced internet banking to its customers in 1996. Other banks followed the suit, including HDFC, Citibank, IndusInd and the now redundant Times Bank. Internet banking changed both the banking industry as well as banks’ services to its customers. ‘Anywhere banking’ came to be recognized as an opportunity also for differentiated and competitive services. Nationalized banks initially viewed online banking as insecure and counterintuitive and were therefore hesitant. But eventually, SBI, Canara Bank, Allahabad Bank, Punjab National Bank, Bank of Baroda, Syndicate Bank and others introduced it. SBI launched internet banking in 2001 and experienced good response. Once banking institutions recognized the benefits that could be reaped from the internet, they began viewing online banking as an extension of the bank rather than as an add-on service. In general, internet banking saw an exponential rise in users. Today, banks encourage their customers to use online banking. Besides cost and revenue impacts, this paradigm shift is because they also recognize that self-control transactions have greater potential for customer satisfaction and retention. Online banking has thus come to be among essential banking services. But how much have banks paid attention to the user? How is the overall experience and how do customers perceive their bank as they struggle unaided in the comfort of their homes? How cognizant are banks that customers silently...
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...[pic] http://mbanetbook.blogspot.com/ Project on Non Performing Assets in Banks CONTENTS |Chapter no. | Title |Page no. | | |Executive Summary |2 | |1 |General Introduction | | | |Introduction to the Topic |4 | | |Company Profile |6 | | |Non performing assets |10 | |2 | Research Methodology |32 | |3 | Data Analysis & Interpretation |38 | |4 | Findings, Suggestions & Conclusions |64 | |5 | Annexure: | | | |a) Bibliography ...
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...The Indian Internet Banking Journey We want to use the Internet to become a universal banking major." - Nachiket Mor, Head of ICICI's Treasury, in March 2000. The Internet Banking Boom In 2001, a Reserve Bank of India survey revealed that of 46 major banks operating in India, around 50% were either offering Internet banking services at various levels or planned to in the near future. According to a research report,1 while in 2001, India's Internet user base was an estimated 9 lakh; it was expected to reach 90 lakh by 2003. Also, while only 1% of these Internet users utilized the Internet banking services in 1998, the Internet banking user base increased to 16.7% by mid- 2000. Many of the major banks like ICICI, HDFC, IndusInd, IDBI, Citibank, Global Trust Bank (GTB), Bank of Punjab and UTI were offering Internet banking services. Based on the above statistics and the analysts' comments that India had a high growth potential for Internet banking, the players focused on increasing and improving their Internet banking services. As a part of this, the banks began to collaborate with various utility companies to enable the customers to perform various functions online. ICICI's 'Infinity,' which was already a leader in the Indian Internet banking arena, began to allow its customers to pay their online real time shopping bills. HDFC, through its 'payment gateway' feature, allowed its Internet banking customers to make online and real time payments for their purchases. | ...
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...seeks to examine the impact of the IC represented by VAIC and the value added, on corporate financial performance measured by return on assets, earnings per share, and return on equity. Design/methodology/approach: In this study VAIC™ is considered as a key valuation model for measuring the IC performance of Indian Banking Companies. Capital employed, human capital and structural capital are used as components of intellectual capital and return on assets (ROA), return on equity (ROE) and Earning Per Share (EPS) indexes are used as criteria of financial performance. The value of three performance measures i.e. Return on Equity (ROE), Return on Assets (ROA), and Earning Per Share (EPS) are obtained from the annual reports of respective banks, whereas the values of VAIC and Value added are computed using appropriate formula and the ranking is made. The companies having highest value is ranked 1, next highest is ranked as 2, and so on. Next, a bar chart is prepared using the computed values of HCE, SCE, CEE representing various components of intellectual capital efficiency which constitute the VAIC. Lastly for testing the relation between various performance measures and IC and its components Pearson correlation coefficient is computed. Findings: It is seen that while VA has significant relationship with EPS, VAIC™ is more significantly associated with ROA. Results also show that two major components of VAIC™ i.e. (HCE and CEE) have significant association with financial...
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...What are the various types of Financial Institutions active in the Indian Financial system ? ANS: 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. Financial Institution is not a new concept in financial history. The evolution of financial institutions must be differentiated from economic history and history of money. In Europe, it may have started with the first commodity exchange, the Bruges Bourse in 1309 and the first financiers and banks in the 1400-1600s in central and Western Europe. The first global financiers the Fuggers (1487) in Germany; the first stock company in England (Russia Company 1553); the first foreign exchange market; the first stock exchange. In financial economics, a financial institution is an institution that provides financial services for its clients or members. Probably the most important financial service provided by financial institutions is acting as financial intermediaries. Most financial institutions are highly regulated by government bodies. Broadly speaking, there are three major types of financial institution. 1. Deposit-taking institutions that accept and manage deposits and make loans 2. Insurance companies and pension funds; 3. Brokers...
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...Gross Settlement System (RGTS) 15 Wireless Application Protocol (WAP) 16 Mobile Banking: 17 Direct Benefit Transfer 21 ABSTRACT With rapid advances in technology, changing according to modern times has become a prerequisite to survive in this highly competitive world. As people are becoming increasingly aware of the consequences of their financial decisions, their needs and expectations have rose to high levels. Banking institutions are facing competition not only from each other but also from non-bank financial intermediaries as well as from alternative sources of financing. Almost everything is available to the customer at his/her doorstep and is just a click away. All this cannot be done with the facility of online financial transactions. Thus, internet banking is the need of the hour. This report gives a detailed overview of e-banking services, why it has become so prevalent and what are the advantages/ disadvantages of using e-banking. It highlights the way banks can ensure secure online transactions and how they prevent online thefts. It also touches upon the latest updates in the field of e-banking...
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...INDIA Bank Karur Vysya Bank (KVB) Initiation 2 May 2012 Key Data Bloomberg Code Reuters Code Current Shares O/S (mn) Diluted Shares O/S(mn) Mkt Cap (Rsbn/USDmn) 52 Wk H / L (Rs) Daily Vol. (3M NSE Avg.) Face Value (Rs) USD = Rs52.9 KVB IN KARU.BO 107.2 107.2 43.2/816.1 479/315 325,412 10 Buy Target Price: Rs500 CMP: Rs403 Upside: 24% *as on 30 April 2012 A re-rating candidate Karur Vysya Bank (KVB) is a play on consistently robust performance driven by strong asset side position – a result of deeper understanding of its target segment. This has translated into strong pricing power and contained credit costs and hence robust avg ROA of ~1.6% for last decade. Renewed focus on improving liability side should aid continuity of impressive return ratios in future. Given robust financial performance on consistent basis, current valuations seem unjustified on absolute (1.1x FY14E PBV) and relative basis (~40% discount to new-gen pvt banks and at par with south based peers). KVB, a regional but quality franchisee, should get re-rated from its currently attractive valuations (1.1x FY14E PBV). Initiating coverage with Buy. Strong asset side position: KVB, a regional banking player in Southern India, has carved out a niche for itself by catering to working capital requirements with clear preference towards secured credit. Capitalising on its regional focus, KVB has churned out consistent RoA (1.6%) & RoE (~20%) during FY06-FY12 – encompassing varied operating environments...
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