...firm and the world’s leading advisor on business strategy. We partner with clients from the private, public, and not-forprofit sectors in all regions to identify their highest-value opportunities, address their most critical challenges, and transform their enterprises. Our customized approach combines deep insight into the dynamics of companies and markets with close collaboration at all levels of the client organization. This ensures that our clients achieve sustainable competitive advantage, build more capable organizations, and secure lasting results. Founded in 1963, BCG is a private company with 82 offices in 46 countries. For more information, please visit bcg.com. BNP Paribas has a presence in 75 countries and has more than 185,000 employees, including 145,000 in Europe. It ranks highly in its two core activities: Retail Banking & Services (comprised of Domestic Markets and International Financial Services) and Corporate & Institutional Banking. In Europe, BNP Paribas has four domestic markets (Belgium, France, Italy, and Luxembourg) and BNP Paribas Personal Finance is the leader in consumer lending. BNP Paribas is rolling out its integrated retail banking model across the Mediterranean region, in Turkey, in Eastern Europe, and throughout a large network in the western part of the United States. In its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas also enjoys top positions in Europe, a strong...
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...Table of content 1. History and Definition…………………………………………………………………3 2. Evolution of Bancassurance……………………………………………………………4 3. Bancassurance Model………………………………………………………………….5 4.1 Simple agreement………………………………………………………………..5 4.2 Joint venture………………………………………………………………………5 4.3 Fully integrated…………………………………………………………………...5 4. Products of Bancassurance……………………………………………………………..5 5.4 Finance and repayments …………………………………………………………5 5.5 Credit insurance…………………………………………………………………..6 5.6 Simple standardized package products………………………………………….6 5. SWOT analysis………………………………………………………………………...6 6.7 Strengths ………………………………………………………………………….6 6.8 Weaknesses……………………………………………………………………….6 6.9 Opportunities……………………………………………………………………...7 6.10 Threats…………………………………………………………………………….8 6. Conclusion…………………………………………………………………………….8 1.History and Definition: Nowadays many financial institutions are trying to find new ways of earning additional money. One of the new and most profitable financial areas is Bancassurance. It is obvious that bancassurance was introduced by two strong financial organization bank and insurance companies. According to Marjorie Chevalier et al (2005) first companies which operated in this sphere were Spanish. It happened in 1970s when “ACM (Assurances du Crédit Mutuel) Vie et IARD (life and general insurance)” officially made cooperation between each other and started...
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...Overview of real estate industry The real estate industry is one of the fastest growing industries in our economy, with a Compound Annual Growth Rate of approximately 30%..A US$ 16 billion industry at present, it is expected to touch US$ 60 billion in the next five years. The sustainability of growth in the real estate industry has its roots in strong demand fundamentals: a. Rapid expansion of the IT/ ITES and business outsourcing industry b. Rising demand in the residential sector, encouraged by rapidly increasing income levels; c. Acceptance of shopping malls as “one stop destinations” for consumers; and d. Growing popularity of Special Economics Zones as preferred destinations for both manufacturing and service industries. Ansal api Ansal Properties and Infrastructure Limited (APIL), promoted by the Delhi based Ansal Group, is one of the prominent real estate developers in Northern India. The Group, headed by brothers Sushil and Deepak Ansal, is engaged in developing integrated townships, IT cities and commercial and residential complexes. Ansal Group has been a major player in the real state sector in the country since 1967. It is now regarded as one of the top most real state group in the country. Sobha Developers Ltd. (SDL) formerly Sobha Developers Private Limited It is an Indian multinational real estate developer headquartered in Bangalore, India and engaged in the business of construction, development, sale, management and operation of all or any...
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...COMPANY ANALYSIS SBI Life Insurance is a joint venture life insurance company between State Bank of India and BNP Paribas Cardiff. SBI owns 74% of the total capital and BNP Paribas Cardiff owns the remaining 26% of the capital. State Bank of India is the largest state owned banking and financial service company in India whereas BNP Paribas is a French multinational bank and financial service company with its global headquarters present in Paris. SBI Life Insurance has an authorised capital of ₹2,000 crores and a paid up capital of ₹1,000 crores. The company received a AAA/Stable/P1+ rating from Crisil Ltd in 2007. Vision: “To be most trusted and preferred life insurance provider” Mission: To emerge as the leading company offering a comprehensive...
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...Research methodology....................................................................... Chapter: Findings ............................................................................................. Suggestions ............................................................................................. Annexure ................................................................................................. Refrence and Biblography ...................................................................... Company Profile: SBI Life Insurance, one of the leading insurers in India, is a joint venture between State Bank of India and BNP Paribas Assurance. While State Bank of India (SBI) is India's largest banking franchise, on the other hand, BNP Paribas Assurance is a unit of the renowned BNP Paribas - one of the leading banks in Eurozone. SBI Life Insurance follows a unique multi-distribution model that...
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...INTERIM REPORT TAX SAVING SCHEMES (ANALYSIS AND COMPARISION) ICFAI BUSINESS SCHOOL HYDERABAD MUTUAL FUNDS AT A GLANCE Mutual Fund is an instrument of investing money. Nowadays, bank rates have fallen down and are generally below the inflation rate. Therefore, keeping large amounts of money in bank is not a wise option, as in real terms the value of money decreases over a period of time. One of the options is to invest the money in stock market. But a common investor is not informed and competent enough to understand the intricacies of stock market. This is where mutual funds come to the rescue. A mutual fund is a group of investors operating through a fund manager to purchase a diverse portfolio of stocks or bonds. Mutual funds are highly cost efficient and very easy to invest in. By pooling money together in a mutual fund, investors can purchase stocks or bonds with much lower trading costs than if they tried to do it on their own. Also, one doesn't have to figure out which stocks or bonds to buy. But the biggest advantage of mutual funds is diversification. Diversification means spreading out money across many different types of investments. When one investment is down another might be up. Diversification of investment holdings reduces the risk tremendously. On the basis of their structure and objective, mutual funds can be classified into following major types: • Closed-end funds • Open-end...
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...PREFACE In today’s corporate and competitive world, I find that insurance sector has the maximum growth and potential as compared to the other sectors. Insurance has the maximum growth rate of 70-80% while as FMCG sector has maximum 12-15% of growth rate. This growth potential attracts me to enter in this sector and SBI LIFE INSURANCE has given me the opportunity to work and get experience in highly competitive and enhancing sector. This job training also helped me a lot in understanding the process and the challenges faced in building effective distribution channels for life insurance products by establishing network of life insurance advisors or tied agency channel. Table Of Contents Declaration ............................................................................................ Acknowledgement ..................................................................................... Preface ....................................................................................................... Table of contents ....................................................................................... Company Profile ........................................................................................ Chapter: Introduction Purpose ............................................................................................. Scope ..............................................
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...A REPORT ON “CONSUMER BEHAVIOUR REGARDING MUTUAL FUND, TYPES OF MUTUAL FUND AND INVESTMENT PROCESS” BY MANOJ KUMAR (Enroll No. : 08BS0001652) SUNDARAM FINANCE LTD. Contract/Project/Job Number________________ A Report On “Consumer Behaviour Regarding Mutual Fund, Types Of Mutual Fund And Investment Process” By Manoj Kumar (Enroll No.:08BS0001652) Sundaram Finance Ltd. Date of Submission : May 2009 AUTHORISATION This is to certify that the internship project report titled “Consumer Behavior Regarding Mutual Fund, Types of Mutual Fund and Investment Process” is a bonafide work of Manoj Kumar in original. This report has been prepared under constant supervision in partial fulfillment of the requirement of IBS for the award of MBA Degree for the period of three months (Feb 2009 to May 2009). This project report neither full nor parts has ever before been submitted for awarding of any degree by this B-School or any other B-School. Prof. Puja Aggarwal Mr. Satyapal Faculty IBS Noida Territory Manager- General Insurance Sundaram Finance Ltd. 605-606, Sixth Floor, Ashoka Estate, 24 Barakhamba Road, New Delhi Date : Date : CERTIFICATE OF COMPLETION OF INTERNSHIP PROGRAM This is to certify that Mr. Manoj Kumar has successfully completed the Summer Internship Programme in Sundaram Finance Ltd. for the duration of 3 months (February 09 to May 09) under the supervision of ...
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...Organization choosen Baiduri Baiduri Background 1.Introduction 1.1Report aim The aims of the research were as follows: •To critically evaluate an organization reward strategy and how its linked to managing individual and organizational performance. •Describe the resistance that will be face if changes are implemented and suggest methods to overcome the resistance. 1.2Background of the organization Baiduri Bank is one of Brunei largest Local bank. It started its operations in 1994. The bank shareholder includes Baiduri Holding, Royal Brunei Airlines, Royal Brunei Technical service and BNP Paribas. The Baiduri Bank Group consists of Baiduri Bank and Baiduri Finance. It is one of the largest Providers of Financial Products and services in Brunei Darussalam. The core business of the bank are services such as Institution or corporation, retail banking, Consumer financing and wealth management. Baiduri Bank is first bank in Brunei to offer a wide choice of payment card such as American Express, Visa, Master Card and Union Pay. This is to meet customer need in different segment. The Baiduri Bank Group network consist of 12 bank branches, a finance arm of 2 branches and 28 ATM machine to ensure consumer can access to their service easily. The Bank also provides an internet banking service to provide consumer an extra convenience to meet their need such as making payment online. For the past few year the bank has won a lot of awards due to its services such as ‘Best Banking...
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...According to FTSE 100 index, Barclays bank is among the strongest organizations, ranked at the 16th position. From the analysis, it is seen that the performance of this bank is well above average, but its inadequacy is evident among low-income earners. The future success of the company and maintenance of its competitiveness is dependent on increased focus on these areas. The Bargaining Power of Suppliers According to Porter, the power of the suppliers is highest when the cost of supply accounts for a larger proportion of the total organization’s expenditure, the suppliers have no competitors, and when the suppliers are very few. The depositors are the main suppliers of Barclays bank. Deposits from customers account for the largest part of the institution’s working capital. However, the company has global outreach providing it with a huge number of suppliers. In addition, the suppliers still control the institution's interest rates as the world has become more corporate. Therefore, the bargaining power of suppliers is high. The Bargaining Power of the Buyers Customers in the banking sector have more power due to more concentration and availability of knowledge of the market as well as the huge number of alternative financial institutions. The advantage of Barclays bank is founded on the king of products and services it offers. It offers insurance services, e-banking and free credit cards as some of the services that differentiate it from its main rivals. In general, the power...
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...SHRI RAM COLLEGE OF COMMERCE A STUDY ON FACTORS INFLUENCING INDIVIDUAL INVESTOR BEHAVIOUR Project work Paper No. – CH 6.3 (b) (Submitted for Partial Fulfillment Towards Requirement of B.COM (HONS.) Course) Ashvi Mittal 12BC136 12072204129 E-21 2014-15 UNDER THE SUPERVISION OF Miss Ankita Tomar Assistant Professor Department of Commerce Shri Ram College of Commerce University of Delhi 1 DECLARATION BY STUDENT This is to certify that the material embodied in this study entitled “A STUDY ON FACTORS INFLUENCING INDIVIDUAL INVESTOR BEHAVIOUR” is based on my own research work and my indebtedness to other work/publications has been acknowledged at the relevant places. This study has not been submitted elsewhere either wholly or in part for award of any degree. Ashvi Mittal B.Com(H) Section-E 12BC136 2 DECLARATION BY TEACHER INCHARGE This is to certify that the project titled “A STUDY ON FACTORS INFLUENCING INDIVIDUAL INVESTOR BEHAVIOUR” done by Ashvi Mittal is a part of her academic curriculum for the degree of B.Com(H). It has no commercial implication and is done only for academic purpose. Mrs Aruna Jha Miss Ankita Tomar (Teacher in- charge’s name and signature) signature) 3 (Mentor’s name and Signature) ACKNOWLEDGEMENT I feel great pleasure in expressing my gratitude to my mentor Miss Ankita Tomar of Commerce Department, Shri Ram College of...
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...Executive summary The life insurance industry in India is achieving a growth rate of about 4% annually. It is considered to be one of the fastest growing sectors. The changing socioeconomic demographics and consumer behavior along with increased frequency of natural calamities and disasters have been the main reasons for the growth of this Industry. Its assets as on 31.03.08 were valued at $185 billion with a total of 250 million policies sold and an employee turnover of 113000 and about 1.2 million agents. There are currently 22 life insurance companies with LIC being the only public company having a market share of almost 50%. ICICI comes in second with 10% followed by HDFC at 6%, SBI at 5%, Bajaj at 4%, Reliance at 4%, Birla at 4%, Max 3%, Tata 3%, Kotak 2%, Met 1% and the rest taking up 10% of the market share. As of 2006 FDI norms the foreign participation of Indian insurance companies is restricted to 26%. All the life insurance companies of India have to comply with the strict regulation laid out by the ‘IRDA’ which is the insurance regulatory board in India set up in 2000. The majority of the population in India is yet to be tapped leaving a huge growth potential for this industry. The insurance industry in India is both service based as well as product based. Risk management and product development are the main highlights of R&D in this industry. The life insurance industry is re shapping the retail distribution channel. The life insurers engage with prospects...
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...9-799-019 REV: MAY 16, 2003 CYNTHIA A. MONTGOMERY Vivendi (A): Revitalizing a French Conglomerate After nearly two decades under the leadership of Guy Dejouany, the November 1995 board meeting of Compagnie Générale des Eaux (CGE) marked not only the end of an era, but the transfer of control to a new captain, Jean-Marie Messier. Besides the obvious difference in age between the 76-year-old Dejouany and the 38-year-old Messier, the contrast between the two in terms of leadership style and strategic direction could not have been sharper. In 1976 when Guy Dejouany took control, CGE was primarily a water utility company with some activities in waste treatment. As the 1980s progressed, reacting to what he saw as “unique opportunities,”1 Dejouany used the cash flow from the core utility businesses to expand into a wide range of ventures. By November 1995, revenues were eleven times the 1976 levels and the company had diversified into a wide variety of businesses including real estate, healthcare, and telecommunications. CGE was one of the largest French companies; indeed, it was in the top 100 companies in the world. (See Exhibit 1.) By the mid-1990s, however, CGE had serious financial problems. In 1995 the company experienced a net loss of 3.6 billion French francs (Frf). The company’s real estate investments had collapsed, and debt levels ballooned. The stagnant share price caused investors to question whether the problems were a blip on the radar or reflected...
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...FINC 620 Corporate Finance Final Project FIN 620 Table of Contents I. An overview of the corporation II. The latest financial statement III. A summary of each financial statement IV. Ratio calculation V. Is the corporation’s stock a good buy or sell? VI. Other information pertinent to the corporation that could affect its future performance and stock price VII. Recommendation regarding the future of the corporation I. Overview of Corporation For our final project I chose to study the automotive company Ford Motor company and to analyze their financials from 2006-2010 which was right before the massive economic recession. Ford was able to stay afloat during these rough years however this economic downturned caused one of largest competitors General Motors to receive billions of dollars in bailout money from the United States government. I chose to study Ford because I actually had started investing in their company in my own starting in 2006 and I wanted to study how Ford’s finances were positioned when I began investing and see if it was a great buy or I should have instead invested at the time in Toyota a large multi-national competitor that is based in Asia and also operate in the United States which I had thought about investing the money in back in 2006 however I choose Ford instead. “Mulally who was named president and CEO of Ford, in 2006, the famous American Ford...
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...is also at the forefront of economic development issues. Ten core principles have been listed by Asian Development Bank (ADB). An attempt has been made to model the principles in a manner consistent with global best practice. Principle 1: Performance Orientation The principal objective of business enterprises is to enhance economic value for all shareholders by making the most efficient use of resources. A company that meets this shareholder value creation objective will have greater internally generated resources, improving its prospects for meeting its environmental, community, and social obligations; pay taxes; reward, train, and retain key staff; and enhance employee satisfaction. A key focus area is a company’s human capital strategy, which is a lead indicator of corporate success. Principle 2: Nomination and Compensation Committees A key success factor is the quality of leadership of an enterprise. A nomination committee with a written mandate and terms of reference...
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