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Research Proposal

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Research proposal of Project report on
“Wealth management”
Company: Ing Vysya bank ltd.

* Objectives of Research

1. To study banking products and services

2. To study Wealth Management of ING Vysya Bank Ltd.

3. To propose different products for different kinds of customers as per their demographic characteristics.

4. To prepare a risk profile of customers.

5. To participate in promotional activities organise by bank.

6. To analyze whether Indian economic development is creating a broad and competitive wealth management market in India. 7. To discuss the factors that have acted as facilitators and obstructions for the growth of wealth management market in India. 8. From the above three objectives, to derive the potentiality and the future prospect of the wealth management industry in India.

* Research Design

During the tenure of the internship we are going to use Descriptive type of research design. Descriptive Research, also known as statistical research, describes data and characteristics about the population or phenomenon being studied. Descriptive research answers the questions who, what, where, and how…. Descriptive Research deals with everything that can be counted and studied. The description is used for frequencies, averages and other statistical calculations. Often the best approach, prior to write descriptive research, is to conduct a survey investigation.

1. What: I am going to meet existing customer and also investors to get their view about the service of ING Vysya bank and to prepare the risk profile of them.

2. Who: The person to whom I am going to meet and to administer the questionnaire are the existing customers and also investors.

3. When: The administering of the questionnaire are carried out according to the discretion of the researcher on daily bases.

4. Where: The geographical area that is to be researched include the Jamnagar and Dhrol City and different areas of them.

* Data Sources for the Research (Research Methodology)

1. Primary Sources
Primary Sources of data include questionnaire which is administered to existing customers of ING Vysya Bank.

2. Secondary Sources

I use the following sources for the secondary data collection which includes:-

* Websites www.Ingvyasyabank.com * Intranet of ING Vysya bank

* Sample Size

Under Research study I have taken a sample size of 100 people who are the customers of the bank or investors in share market.

* Beneficiary of the Research

* Bank

* Customers

* Students

* Researcher

Literature Review
STATE OF WORLD WEALTH

HNWI (high net worth individuals) SECTOR GAINS IN 2007 * 10.1 million individuals worldwide held at least US$1 million in financial assets, an increase of 6.0% over 2006. * Global HNWI wealth totaled US $ 40.7 trillion, a 9.4% gain from 2006, with average HNWI wealth surpassing US $ 4 million for the first time * The Ultra-HNWI “wealth band” experienced the strongest growth, gaining 8.8% in population size and 14.5% in accumulated wealth * Emerging markets, especially those in the Middle East and Latin America, scored the greatest regional HNWI population gains * HNWI financial wealth is projected to reach US $ 59.1 trillion by 2012, advancing at an annual growth rate of 7.7%
For the global economy, 2007 was a transitional year that began and ended with sharply opposing macroeconomic environments: Momentum that was carried over from 2006 sustained unabated growth in the early months. By the latter end, heightened uncertainty and instability marked the deep change that was underway.

Overall, market performances were solid in 2007. However, closer analysis of the key drivers and inhibitors of wealth reveals how the many fundamental changes that took place over the course of the year led to deteriorating economic conditions in key markets, including the United States and several mature European nations. Evenly split, the two halves of the year tell very different stories: steady global growth in the first six months, followed by sharply diverging paths between mature and emerging economies in the second half.

In early 2007, strong economic gains spurred impressive performances in equity markets and various investment products, reflecting high levels of investor confidence. Robust growth in emerging markets, driven by high commodity prices and rising domestic demands, supported solid growth in mature economies. Stock markets worldwide performed well into the summer, led by Latin America and Emerging Asia, which saw roughly 25% and 17% growth, respectively, through July.1 A variety of investment products performed well during the first half of the year; for instance, total announced private equity deals worldwide were on pace to shatter their 2006 record.
The second half of 2007, however, revealed a distinct and growing divergence between mature and emerging economies—with the advantage going to emerging nations. Whether hobbled by the downturn taking hold in the United States or challenged by the slowed growth of a major trading partner, with few exceptions, the performances of mature economies weakened significantly in the closing months of the year. In the European Union, for example, growth was dampened by a confluence of key market forces: slowing domestic consumer spending, a result of high levels of personal debt amid tightening credit conditions; a drop-off in exports brought on by easing demand in the United States, which received nearly 24% of E.U. goods and services shipped abroad; and an appreciating euro.Growth slowed among other global powers as well: In Japan—the world’s second-largest economy—a decline in housing investment and low levels of consumer confidence took their toll.4 In essence, a long period of “easy money” in mature economies was routed by financial and credit market turmoil.

By contrast, emerging markets proved resilient and posted robust gains in the second half of 2007, even as uncertainty grew in mature markets. Building on their core competency, export-driven growth, many emerging economies converted sharp increases in energy and commodity prices into sources of high profitability and significant growth. Both GDP and market capitalization gains, particularly in
Brazil, Russia, India and China—the BRIC nations—were strong, capping another impressive year for HNWI growth and investment opportunity. Given these nations’ more stable consumption habits, rising domestic demand and healthy business environments, the slowing United States economy, which accounts for 21% of global
GDP, did not appear to significantly compromise their economic growth in 2007

BRIC Nations Are at the Forefront of Global Growth
In 2007, the BRIC nations continued their roles as pivotal economies, building on relationships with their mature trading partners and capitalizing on the growth of their emerging counterparts. As mature economies slowed, the BRIC nations turned in particularly strong performances. They posted in aggregate the greatest gains in HNWI populations, 19.4%, and accumulated wealth, 25.1%, driven both by impressive economic gains and robust market capitalization growth. As a result of these record-setting performances, the BRIC nations are rapidly winning fiscal credibility and increasingly playing a central role on the world stage.
Today, the greatest single impediment to the BRIC nations’ continued growth is the high level of inflation now sweeping the globe and most pronounced in emerging markets. In Russia, year-over-year money-supply growth in excess of 50% has kept inflation rates propped at around 12%. Similar levels of excess liquidity are evident in China and across the Middle East. With BRIC nations’ inflation rates averaging roughly 7.5% at year-end,it is increasingly clear that this is the challenge most likely to shape 2008 outlooks.

In 2007, India led the world in HNWI population growth, rocketing ahead 22.7% and exceeding gains of 20.5% in 2006. Boosted by market capitalization growth of 118% and real GDP growth of 7.9%, HNWI sector gains reached all-time highs. Although the country’s real GDP growth decelerated from 9.4% in 2006, current growth levels are considered more stable and sustainable. Market capitalization growth more than doubled from roughly 50%, accounting for greater HNWI gains. India’s two largest exchanges, the Bombay Stock Exchange and the National Stock
Exchange of India, benefited from rapidly expanding initial public offering (IPO) markets and heightened international interest; by the end of 2007, they ranked among the world’s top-12 exchanges in total market capitalization terms. Once recognized as a manufacturing superpower, characteristic of a more nascent market, much of India’s recentgrowth has been driven by the technology, financial services, property, construction and infrastructure sectors. Growth in these arenas is indicative of the developing state of the Indian economy relative to other high-growth players.
China ranked second in HNWI population growth, advancing 20.3% in 2007, more than two-and-a-half times greater than its 2006 pace. Market capitalization and real GDP growth rates exploded last year, at 291% and 11.4%, respectively. Fueled by impressive price increases and strong IPO activity, the Shanghai Exchange grew to be the sixth largest exchange in the world in terms of total market capitalization. Yet, despite rapid growth in its financial services sector, China’s economy still is built on its manufacturing capacity. This helps explain why its HNWI population growth is slower than that of India—and why the gap continues to widen between China’s richest citizens, a group with a particularly high concentration of wealth, and the middle-class, which continues to grow in size but remains largely unable to cross the HNWI threshold. Nonetheless, 2007 HNWI growth in China greatly exceeded its 2006 performance of 7.8% growth, reflecting strong economic fundamentals and great potential for future gains.

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