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Annual Report 2 0 1 7 - 2 0 1 8
N D I A N I B T H A U N O K th S YEARS OF O TH SERVICE T E NATION ANNUAL REPORT 2 0 1 7 - 2 0 1 8 The South Indian Bank Ltd., Regd. Office, SIB House T.B. Road, Mission Quarters, Thrissur-680 001, Kerala, India, Telephone Nos: +91-487-2420020, 2420058, 2420113 Email: [email protected], Website: www.southindianbank.com | CIN : L65191KL1929PLC001017 South Indian Bank is a member of BCSBI and is committed to treating customers in a fair, transparent and non-discriminatory manner. FIEO Regional Export Award South Indian Bank's EVP (Treasury) Mr. Reghunathan K.N, receiving the FIEO Export Excellence Award 2015-16 in the Best Financial Services & Foreign Exchange Earner in Southern Region (Gold) category, from Mr. M. Venkaiah Naidu, Hon'ble Vice President of India. IDRBT Best Bank Awards Mr. V.G. Mathew, Managing Director & CEO of South Indian Bank along with Mr. Raphael T.J, Senior General Manager receiving the IDRBT Best Bank Award from Mr. Sudarshan Sen and Mr. S Ganesh Kumar, Executive Directors, RBI. Page 165 A n n u a l R e p o r t 2 0 1 7 - 1 8 OUR BANK’S VISION AND MISSION MISSION To provide a secure, agile, dynamic and conducive banking environment to customers with commitment to values and unshaken confidence, deploying VISION the best technology, standards, To be the most preferred bank processes and procedures where in the areas of customer customer convenience is of service, stakeholder value and significant importance and to corporate governance. -
Inclusive Business Market Study for India and Sri Lanka
INCLUSIVE BUSINESS MARKET STUDY FOR INDIA AND SRI LANKA DRAFT FINAL REPORT OCTOBER 30, 2012 ADB Inclusive Business Market Study for India and Sri Lanka Final Draft Report List of abbreviations used ADB Asian Development Bank BOP Base of the pyramid BMGF Bill & Melinda Gates Foundation DFI Development finance institution DFID Department for International Development ESG Environmental, Social and Governance (criteria for investment) FDI Foreign direct investment FMO Netherlands Development Finance Company GDP Gross domestic product GDP (PPP) Gross domestic product at purchasing power parity HDI Human development index IB Inclusive business IFC International Finance Corporation IPO Initial public offering IRR Internal rate of return JICA Japan International Cooperation Agency KfW Kreditanstalt für Wiederaufbau, a German government-owned development bank LIS Low-income states LP Limited partner MPI Multidimensional poverty index NORFUND Norwegian Government’s Investment Fund for Developing Countries NSDC National Skill Development Corporation PE Private equity R & D Research and development SIDA Swedish International Development Cooperation Agency SIDBI Small Industries Development Bank of India SME Small and medium enterprises Swedfund Swedish Government’s Investment Fund for Developing Countries TA Technical assistance VC Venture capital 1 ADB Inclusive Business Market Study for India and Sri Lanka Final Draft Report TABLE OF CONTENTS Table of Contents ......................................................................................................................... -
Micro-Finance and Development
Part One Micro-finance and development Chapter 3 Micro-finance and social and economic security Introduction This book is titled 'Beyond micro-credit'. We are often blinded by the overwhelming policy support, in India and internation- ally, for 'directed credit' or micro-credit to poor people which simplistically assumes that, with an infusion of capital, poor households will be able to break out of the vicious cycle of poverty. In reality, poor people need access to so many more finan- cial services than just micro-credit, including a range of micro- savings and insurance products. Indeed, the first step for poor people on the path out of the poverty cycle is social and economic security. Appropriate savings and insurance, as well as loans for emergency expenditures or basic assets such as housing and education, can contribute significantly to such security, not least among poorer and more vulnerable households. These services can protect poor people from the impact of unforeseen crises and emergencies in their households or micro-businesses, from falling yet further into debt, and en- able poor households to plan and manage their limited re- sources more effectively to meet their basic needs (Johnson and Rogaly, 1997). Once poor households enjoy greater secu- rity, they may be able to access promotional micro-finance prod- ucts that help them develop their livelihoods (see Chapter 4). Rutherford (2000) has further demonstrated that, espe- cially for the protective needs of poor households, there may be little difference between savings, loans and insurance: 50 Beyond micro-credit ... try to avoid sterile arguments about whether the poor need 'savings' or 'loans'... -
ICICI Bank and Micro-Finance in India* by Malcolm Harper ASIA
ICICI Bank and Micro-Finance in India* By Malcolm Harper ASIA INDIA ICICI November 2005 * This case study research, thanks to funding from the Ford Foundation, is a working document and part of a multi-country review of successful innovations in improving access to financial services for poor populations in rural areas through linkages between the formal financial sector and informal financial institutions. The global review, coordinated by the Rural Finance Group of the Food and Agriculture Organization (FAO) of the United Nations, examines 13 cases in Africa, Asia and Latin America. Results from multi-country study will be published in a forthcoming book in early 2007. Content Introduction 1 1. Micro-finance in India 1 2. Micro-finance Institutions in India 4 3. Banks and micro-finance in India 5 4. ICICI Bank 8 4.1 The origins of the Bank 8 4.2 ICICI Bank and Microfinance 8 4.3 ICICI Bank’s Delivery Models 10 ICICI’s Risk Reduction Mechanisms 12 The ICICI Bank delivery process 12 5. ICICI Bank and Basix Finance 14 5.1 Basix Finance 14 5.2 The ICICI Bank Equity investments 16 5.3 ICICI’s portfolio purchase 17 6. The CARE CASHE facilitation 19 7. Pragathi Seva Samithi, Warangal (PSS) 21 7.1. The PSS MACS and their SHGs’ ICICI Bank loans 22 The Jeevanajyothi MACS 23 The Pragathi MACS, Deekshakuntla 24 The Spandana MACS 25 The Orugallu MACS . 26 7.2 The financial impact of the ICICI loans on final borrowers 26 8. Bharat Integrated Social Welfare Agency (BISWA), Sambalpur, Orissa 27 8.1 BISWA 27 8.2 BISWA’s sources of funds 28 8.3 The financial impact of the ICICI Bank loans 29 8.4 Remaining challenges 31 8.5 Stories from a two SHG’s 32 The Laxmidunguri Gosthi SHG in Durgapalli Village 32 The Bhalubahal SHG 33 9. -
Grant Thornton India LLP
Dealtracker Providing M&A and Private Equity Deal Insights 8th Annual Edition 2012 © Grant Thornton India LLP. All rights reserved. This document captures the list of deals announced based on information available in the public domain and based on public announcements. Grant Thornton India LLP does not take any responsibility for the information, any errors or any decision by the reader based on this information. This document should not be relied upon as a substitute for detailed advise and hence, we do not accept responsibility for any loss as a result of relying on the material contained herein. Further, our analysis of the deal values are based on publicly available information and based on appropriate assumptions (wherever necessary). Hence, if different assumptions were to be applied, the outcomes and results would be different. © Grant Thornton India LLP. All rights reserved. 2 Contents From the 4 - Foreword Editor's Desk 6 - Year Round Up 2012: 10 – M&A Round Up Mergers & 15 – Domestic Acquisitions 17 – Cross border 1001 25 – PE Round Up Private 27 – Top Deals Equity 29 – PE – Sector Highlight 31 – PE – City Break up deals Other 33 – IPO & QIP Features 35 – Deal List $49bn © Grant Thornton India LLP. All rights reserved. 3 Foreword The on-going Eurozone worries, weakening rupee and Contrary to expectations, inbound deal activity reverted a uncertain Indian economy with a slowdown in the to the single-digit levels seen in 2010, notching up US$ reform process, impacted M&A deal activity in certain 7 bn in deal value, after putting in a robust performance periods of 2012. -
World Bank Document
A case study from Reducing Poverty, Sustaining Growth—What Works, What Doesn’t, and Why A Global Exchange for Scaling Up Success Public Disclosure Authorized Scaling Up Poverty Reduction: A Global Learning Process and Conference Shanghai, May 25–27, 2004 Scaling-up Access to Finance for India’s Rural Poor Public Disclosure Authorized Pradeep Srivastava Chief Economist, National Council of Applied Economic Research (NCAER) Parisila Bhawan, 11 Indraprastha Estate, New Delhi - 110002 (India) Tel: +91-11-23379861-3 Priya Basu Senior Financial Economist World Bank, 70 Lodhi Estate New Delhi- 110003 Public Disclosure Authorized Tel: +91-11-24617241-4 The authors gratefully acknowledge comments from Marilou Uy, Anjali Kumar and Jim Hanson on an earlier version of this paper. They also thank Reema Datta for research assistance. The findings, interpretations, and conclusions expressed here are those of the author(s) and do not necessarily reflect the views of the Board of Executive Directors of the World Bank or the governments they represent. The World Bank cannot guarantee the accuracy of the data included in this work. Copyright © 2004. The International Bank for Reconstruction and Development / THE WORLD BANK. All rights reserved. The material in this work is copyrighted. No part of this work may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or inclusion in any information storage and retrieval system, without the prior written permission of the World Bank. The World Bank encourages dissemination of its work and will normally grant permission promptly. Public Disclosure Authorized CASE STUDIES IN SCALING UP POVERTY REDUCTION Executive Summary Despite the large size and depth of the Indian financial system, and thousands of bank branches across rural India, the poor in rural India still have very little access to formal finance. -
Empanelment of Consultancy Firm for Technical and Managerial Support
Empanelment of Consultancy Firm for Technical and Managerial Support in Fisheries and Aquaculture -Category wise Sl.No Category Consultancy Firm Address Contact and Website 1 Accreditation/Certification Confect India Ms. Richa Garg, Director, #306, 9650488140 Surya Complex, 21, Veer Savarkar [email protected] / Block, Shankarpur, East Delhi, [email protected] Delhi-110092 www.confectglobal.in Infrastructure Development Mr K. Jayakishan, Chief Executive 9886339775 / 8043448000 Corporation Karnataka Ltd., Officer, Mr. T Paul Koshy, Head, [email protected] iDeCK Ltd. Business Development,# 9/7, K.C.N.Bhavan, Yamunabai Road, www.ideck.in Madhavnagar Extension, Off Race Course Road, Bangalore, Karnataka-560001 2 Aquaculture Engineering / Center for Aquatic Livelihood - Mr. Neelkanth Mishra, CEO, 11, 9834409560 Pond construction/Lined Jaljeevika Snehkunj Apartments, [email protected]/aquatic.livel pond preparation/Design JambhulkarChowk, Vikas Nagar, [email protected] and Layout/Detailed Project Wanowrie, Pune, Maharashtra- Report 411040 www.jaljeevika.org preparation/Hatchery Darashaw& Company Pvt. Ltd. Mr. Sunil Sharma, Vice President, 9910014388 Construction / Farm 1205-06, Regent Chambers, 12th [email protected] Construction floor, 208, Nariman point, w.darashaw.com Mumbai, Maharashtra- 400021 Grant Thornton Bharat LLP Mr. KunalSood (Partner), L-41 9971199600 (M), +91 124 462 8000 Connaught Circus, Outer Circle, (O) New Delhi – 110 001 [email protected] / [email protected] antthornton.in Indian Agribusiness Systems Mr. Bhaskar Natarajan, CEO, A- 9958990976 Limited (Agriwatch) 18/B-1 Extension, 2nd Floor, [email protected] / Mohan Cooperative, Industrial [email protected] Estate, New Delhi-110044 www.agriwatch.com 1 Institute of Livelihood Research Dr. Rajendra Singh Gautam, 9406661012 (M), 040- and Training Acting Dean, 3rd floor, Surabhi 66585800(O) Arcade, Bank Street, Koti, Hyderabad, Telangana- 500001 [email protected]/rajendrasin [email protected] rajendrasingh.gautam@ilrtindia. -
Inception Report, Mid-Term and Final Reports) Before They Are Submitted to UNDP
Conducting a Baseline Study on the State of Financial Inclusion and Provide detailed recommendations towards improving the same in the SECURE Himalaya project landscapes in selected districts of Sikkim Submitted to Submitted by BASIX Consulting and Technology Services Ltd 3rd Floor, Surabhi Arcade, Bank Street, Troop Bazar, Koti, Hyderabad 500 001 Telangana, India Tele Fax: 040 66585800, 66585801 Website: www.basix-consulting.com, www.basixindia.com November 2018 Contents Executive Summary .................................................................................................................................................................. 3 Chapter I: Background ............................................................................................................................................................ 4 Chapter II: Objective ................................................................................................................................................................. 5 Scope of the assignment .................................................................................................................................................... 5 Chapter III: Methodology ....................................................................................................................................................... 5 3.1 Secondary research ..................................................................................................................................................... 6 3.2. -
Welcome to the MBA Program
Welcome to the MBA Program In the emerging knowledge-based global economy, we have to build our core competencies around powerful ideas. With the increasing complexity of business, there is urgent need for great ideas which can be converted into effective action. The winds of change are blowing all over the world. The transformation from regulation to liberalization, from protection to integration with international markets, and from central planning to free market economies, demands new thinking, new approaches and new skills to accelerate the momentum of growth and ensure success. The new economic order also brings into sharp focus the necessity to efficiently and effectively channelize the resources of the world. While management at both the macro and micro levels would be far more challenging than ever, numerous opportunities for rewarding careers are emerging in this area. These developments place a premium on well-trained young men and women possessing superior professional skills in managing the complex business environment. Managers of tomorrow should be people of vision. They must be well-equipped with knowledge and skills and inspired to lead. If you belong to this select group of managers who will shape the future, equip yourself with the MBA qualification. In this pursuit of preparing tomorrow's leaders, the ICFAI Center for Distance Education encourages students and working executives to pursue the MBA Program on distance learning basis. The MBA Program will stretch your mind and test your limits. It will broaden your business perspective and sharpen your analytical insights. The unique combination of both Indian and International perspectives and the general management focus will give you an edge in your career progression and will prepare you to act effectively as a successful manager in the ever-changing business environment. -
Beyond the Pioneer: Getting Inclusive Industries to Scale
Beyond the Pioneer GETTING INCLUSIVE INDUSTRIES TO SCALE by Harvey Koh, Nidhi Hegde and Ashish Karamchandani April 2014 THIS WORK HAS BEEN MADE POSSIBLE BY THE SUPPORT OF THE FOLLOWING ORGANIZATIONS: LEAD SUPPORTER Omidyar Network SENIOR SUPPORTER The MasterCard Foundation Shell Foundation SUPPORTER Bill & Melinda Gates Foundation The David and Lucile Packard Foundation Global Impact Investing Network / Department for International Development (UK) The Rockefeller Foundation United States Agency for International Development The William and Flora Hewlett Foundation This report has been developed and published with financial support from the organizations listed above. The findings, conclusions and recommendations contained within these pages are those of the authors and do not necessarily reflect the views, positions or policies of any of these organizations. © 2014 Deloitte Touche Tohmatsu India Private Limited The Challenge of Scale Across the developing world, a new kind of business is emerging to serve and benefit the poor. It is known by many names: market-based solutions to poverty, inclusive businesses, impact enterprises, social enterprises, or enterprises serving the Bottom of the Pyramid (BoP). Many are giving poor households access to beneficial goods and services, by bringing safe drinking water to slums, powering villages in deep rural areas, delivering high-quality but low-cost surgical procedures, or boosting educational attainment at affordable prices. Others are enhancing the livelihoods of the poor by raising the earnings of smallholder farmers, or giving more consistent and better-paid work to rural artisans. Meanwhile, impact investors, foundations, aid donors, and increasingly, governments are banking on these businesses to grow and flourish, and generate both financial returns and social impact on a large scale. -
Guru Nanak Dev University
SUMMER TRAINING PROJECT REPORT AVIVA LIFE INSURANCE CO. LTD. Submitted in partial fulfillment For the requirement of the award of Bachelor of Business Administration (BBA) FINANCIAL BOOM IN INSURANCE SECTOR DUE TO PRIVATE PLAYERS FOR AVIVA LIFE INSURANCE IN NEW DELHI Training Supervisor Submitted by: Enrolment No.: BBA 3rd Year Session- 200-20 1 ACKNOWLEDGEMENT The success of my research report would not hint at any one individual, but it was a consolidated effort on the part of all who contributed to this report. I am thankful to for providing me an opportunity to gain both theoretical and practical knowledge in the field of Marketing and extending their full support. Last but not the least, I would like to thanks my parents and friends for their moral support throughout the project. 2 EXECUTIVE SUMMARY This project aims at providing information regarding insurance sector and how emergence of private players proved to be a boom to this sector. Chapter 1 explains about the concept of insurance, its purpose and need in contemporary world. This chapter also includes origination of insurance; its nationalization in India; benefits; advantages; basic principles that make insurance remain a popular and fair arrangement; mechanism; governing legislation over insurance. IRDA (Insurance Regulatory and Development authority) governs insurance industry. Its duties, powers and functions are mentioned. Chapter 2 is all about the main as well as sub objectives of the organization and what are their research methodologies. Chapter 3 is about a brief comparison between private players and LIC. Chapter 4 includes the analysis of data being collected regarding the Aviva Life Insurance Co. -
World Bank Document
41243 Agriculture and Rural Development Discussion Paper 36 The World Bank Public Disclosure Authorized Scaling Up Microinsurance: The Case of Weather Insurance for Smallholders in India Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Agriculture & Rural Development Department World Bank Ornsaran Pomme Manuamorn 1818 H Street, NW Washington, DC 20433 http://www.worldbank.org/rural Agriculture and Rural Development Discussion Paper 36 Scaling Up Microinsurance: The Case of Weather Insurance for Smallholders in India Ornsaran Pomme Manuamorn © 2007 The International Bank for Reconstruction and Development/The World Bank 1818 H Street, NW Washington, DC 20433 Telephone: (202) 473-1000 Internet: www.worldbank.org/rural E-mail: [email protected] All rights reserved. The findings, interpretations, and conclusions expressed herein are those of the author(s) and do not necessarily reflect the views of the Board of Executive Directors of the World Bank or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of the World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. Rights and Permissions The material in this work is copyrighted. Copying and/or transmitting portions or all of this work without permission may be a violation of applicable law. The World Bank encourages dissemination of its work and will normally grant permission promptly. For permission to photocopy or reprint any part of this work, please send a request with complete information to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, USA, telephone (978) 750-8400, fax (978) 750-4470, www.copyright.com.