Chapter 1 Introduction
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A Comparative Analysis of Financial Performance of Nepal SBI Bank Limited, Himalayan Bank Limited and Kumari Bank Limited
A Comparative Analysis of Financial Performance of Nepal SBI Bank Limited, Himalayan Bank Limited and Kumari Bank Limited By: Sushma Rai Post Graduate Campus Faculty of Management T.U. Registration No.: 7-2-218-286-2002 A Thesis Submitted To: Office of the Dean Faculty of Management Tribhuvan University In partial fulfillment of the requirements of the degree of Masters of Business Studies (M.B.S.) Biratnagar, Nepal August, 2009 TRIBHUVAN UNIVERSITY Faculty of Management POST GRADUATE CAMPUS Biratnagar, Nepal Tel No. 021-526327 Ref. No.: RECOMMENDATION This is to certify that the thesis: Submitted by Sushma Rai Entitled A Comparative Analysis of Financial performance of Nepal SBI Bank Limited, Himalayan Bank Limited And Kumari Bank Limited has been prepared as approved by this Department in the prescribed format of Faculty of Management. This thesis is forwarded for examination. Supervisor Head of Department (Prof. Dr. Khagendra Acharya) (Prof. Dr. Madhav Bahadur Shrestha) ............................................. ..................................................... Campus Chief (Mr. Harihar Bhandari) Date: ............................. ......................................... TRIBHUVAN UNIVERSITY Faculty of Management POST GRADUATE CAMPUS Biratnagar, Nepal Tel No. 021-526327 Ref. No.: VIVA-VOCE SHEET We have conducted the Viva-Voce examination of the thesis presented by Sushma Rai entitled A Comparative Analysis of Financial Performance of Nepal SBI Bank Limited, Himalayan Bank Limited and Kumari Bank Limited and found the thesis to be the original work of the student and written according to the prescribed format. We recommend the thesis to be accepted as partial fulfillment the requirement for Master's Degree in Business Studies (M.B.S.) Viva-Voce Committee Chairperson, Research Committee: ......................................... Member (Thesis Supervisor): ........................................ -
Corporate Overview Transact with Ease: Solutions That Work for Everyone, Everywhere
Corporate Overview Transact with ease: Solutions that work for everyone, everywhere... Leading Payments Platform Provider One of India’s leading end-to-end banking and payments solution providers: Pan-India § 20 years proven track record presence in 27 States § 600+ banks are provided switching and & 3 UTs payment services § 15 million debit cards issued § 10 million transactions per day § 2500 ATMs, 5000 Micro ATMs deployed © 2020-21, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 2 Top NPCI Partner & ASP § First ASP certified by NPCI and a pioneer in 54% market share developing payment solutions on various in RuPay NFS sub- NPCI platforms membership § Leading end-to-end solution provider offering RuPay Debit cards, ATM, POS, ECOM, Micro ATM, IMPS, AEPS, UPI, BBPS Sarvatra Others © 2020-21, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 3 Leading in Co-operative Banking Sector India’s top provider of debit card platform, switching & payment services to co-op. banking sector. CO-OPERATIVE BANK TYPE SARVATRA CLIENTS Urban Cooperative Banks (UCBs) 395 State Cooperative Banks (SCBs) 14 District Central Cooperative Banks (DCCBs) 129 © 2020-21, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 4 One of India’s largest Debit Card Issuing platforms (hosted) © 2020-21, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 5 Top Private & Public Sector Banks as Customers § Our key enterprise customers in Private Sector Banks include ICICI Bank, Punjab National Bank, The Nainital Bank, Oriental Bank of Commerce, IDBI Bank, Bank of Maharashtra, NSDL Payments Bank. § Our Sponsor Banks (Partners for NPCI’s Sub-membership Model) include HDFC Bank, ICICI Bank, YES Bank, Axis Bank, IndusInd Bank, IDBI Bank, State Bank of India, Kotak Mahindra Bank. -
State Bank of India
State Bank of India State Bank of India Type Public Traded as NSE: SBIN BSE: 500112 LSE: SBID BSE SENSEX Constituent Industry Banking, financial services Founded 1 July 1955 Headquarters Mumbai, Maharashtra, India Area served Worldwide Key people Pratip Chaudhuri (Chairman) Products Credit cards, consumer banking, corporate banking,finance and insurance,investment banking, mortgage loans, private banking, wealth management Revenue US$ 36.950 billion (2011) Profit US$ 3.202 billion (2011) Total assets US$ 359.237 billion (2011 Total equity US$ 20.854 billion (2011) Owner(s) Government of India Employees 292,215 (2012)[1] Website www.sbi.co.in State Bank of India (SBI) is a multinational banking and financial services company based in India. It is a government-owned corporation with its headquarters in Mumbai, Maharashtra. As of December 2012, it had assets of US$501 billion and 15,003 branches, including 157 foreign offices, making it the largest banking and financial services company in India by assets.[2] The bank traces its ancestry to British India, through the Imperial Bank of India, to the founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. Bank of Madras merged into the other two presidency banks—Bank of Calcutta and Bank of Bombay—to form the Imperial Bank of India, which in turn became the State Bank of India. Government of Indianationalised the Imperial Bank of India in 1955, with Reserve Bank of India taking a 60% stake, and renamed it the State Bank of India. In 2008, the government took over the stake held by the Reserve Bank of India. -
NIFTY Bank Index Comprises of the Most Liquid and Large Indian Banking Stocks
September 30, 2021 The NIFTY Bank Index comprises of the most liquid and large Indian Banking stocks. It provides investors and market intermediaries a benchmark that captures the capital market performance of the Indian banks. The Index comprises of maximum 12 companies listed on National Stock Exchange of India (NSE). NIFTY Bank Index is computed using free float market capitalization method. NIFTY Bank Index can be used for a variety of purposes such as benchmarking fund portfolios, launching of index funds, ETFs and structured products. Index Variant: NIFTY Bank Total Returns Index. Portfolio Characteristics Index Since Methodology Periodic Capped Free Float QTD YTD 1 Year 5 Years Returns (%) Inception No. of Constituents 12 Price Return 7.63 19.71 74.46 14.18 18.11 Launch Date September 15, 2003 Total Return 7.76 20.13 75.09 14.60 19.75 Base Date January 01, 2000 Since Statistics ## 1 Year 5 Years Base Value 1000 Inception Calculation Frequency Real-Time Std. Deviation * 24.94 25.19 29.89 Index Rebalancing Semi-Annually Beta (NIFTY 50) 1.40 1.24 1.09 Correlation (NIFTY 50) 0.86 0.90 0.83 1 Year Performance Comparison of Sector Indices Fundamentals P/E P/B Dividend Yield 24.32 2.81 0.33 Top constituents by weightage Company’s Name Weight(%) HDFC Bank Ltd. 28.02 ICICI Bank Ltd. 20.92 State Bank of India 13.03 Kotak Mahindra Bank Ltd. 12.67 Axis Bank Ltd. 12.36 IndusInd Bank Ltd. 5.30 AU Small Finance Bank Ltd. 2.01 Bandhan Bank Ltd. -
India Fintech Sector a Guide to the Galaxy
India FinTech Sector A Guide to the Galaxy G77 Asia Pacific/India, Equity Research, 22 February 2021 Research Analysts Ashish Gupta 91 22 6777 3895 [email protected] Viral Shah 91 22 6777 3827 [email protected] DISCLOSURE APPENDIX AT THE BACK OF THIS REPORT CONTAINS IMPORTANT DISCLOSURES, ANALYST CERTIFICATIONS, LEGAL ENTITY DISCLOSURE AND THE STATUS OF NON-US ANALYSTS. U.S. Disclosure: Credit Suisse does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the Firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. Contents Payments leading FinTech scale-up in India .................................. 8 8 FinTechs: No longer just payments ..............................................14 Account Aggregator to accelerate growth of digital lending ...............................................................................22 Digital platforms and partnerships driving 50-75%of bank business ...28 Company section ..........................................................................32 PayTM (US$16 bn) ......................................................................33 14 Google Pay ..................................................................................35 PhonePe (US$5.5 bn) ..................................................................37 WhatsApp Pay .............................................................................39 -
Indusind Bank (INDBA)
IndusInd Bank (INDBA) CMP: | 585 Target: | 625 (7%) Target Period: 12 months HOLD November 1, 2020 Tepid business growth, NPA to be watched… The overall asset quality performance was encouraging as GNPA and NNPA ratio declined by 32 bps and 34 bps to 2.21% and 0.52%, respectively. Even Particulars on a standstill asset classification, asset quality performance remained P articulars Am ount healthy as GNPA and NNPA were at 2.32% and 0.61%, respectively. Market Capitalisation | 44298 crore Application for restructuring is minimal at ~5 bps of advances and is further GNPA (Q2FY21) | 4533 Crore expected to remain in low single digits at the end of December 2020. NNPA (Q2FY21) | 1055 Crore NIM (% ) (Q 2F Y 21) 4.2 The bank witnessed lower delinquencies in Q2FY21 as account of | 399 52 week H/L 1596/236 crore slipped into NPA compared to | 1537 crore in the previous quarter. Net worth | 39566 Crore Update Result Slippages from the corporate book were miniscule at | 13 crore while F ace V alue | 10 remaining | 386 crore came in from the consumer segment. SMA 1, 2 book DII Holding (% ) 17.1 F II Holding (% ) 51.8 were at ~23 bps, 10 bps, respectively. Collection efficiency for September 2020 was at 94.7% and 95-96%, respectively, in October 2020, which is further expected to improve further. Key Highlights Provisioning was at | 1964 crore, down 13% QoQ, of which Covid-19 related Collection efficiency improved to provisions were at | 933 crore, taking outstanding Covid-19 provisions to 94.7% in Sep’20 and 95-96% in Oct’20 | 2155 crore. -
Loan Against Shares Agreement
Loan Against Shares Agreement GerardChocolaty Germanize and jinxed that Pete groins. screens Jermaine inexactly refect and incuriously. spites his destroyers pridefully and disconcertingly. Arvin still copyreads photographically while pitiable Do please sign this form be if candid is absent Please ensure agile relevant. The collateral may be seized by move bank based on all two parties' agreement. You can use that margin here for just about fat you wish Margin Agreement consider you own borrow money by margin scheme must set up a tuition account with. Each case of a balasubramanian, its possession or against securities? This is where other company would repurchase shares valued at the unit fair. Needs to act cripple the co-applicant and tune the overdraft agreement. The debt review then be valid along a liquidator or administrator should the first become insolvent. Loan agreements contain an amount together, shares loaned shares and this loan against securities into any other tax benefits accrued interest rates. You loans against pledged, loan agreements also has any obligation on which case. That borrowed money is called a margin held and other can be used to. Subscribers can be loaned against shares may be indebted to. Pledge of shares and cession of claims on fresh account agreement. Lien or shared equity shares issued by such agreements work? Securities lending and stock lending lets stock loan holders free for cash. Demand loan against shares loaned against losses. A typical loan agreement sets out the appliance on reason a lender will provide. ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO income AGAINST each FACILITY INDEX Page 3 of 34 DBS Mortgage charge Agreement. -
Indusind Bank Loan Account Statement Online
Indusind Bank Loan Account Statement Online Thermostable Beck incasing, his Estonians mutilates stir-fries variously. Cleared and all-weather Beaufort fudges her aghas sharing justifying and crib macaronically. Filmier Hoyt bops her nomenclatures so latterly that Ervin schedules very wearily. It is impossible to credit facility and loan indusind personal expenses If you apply for you apply for transferring funds on account with indusind personal loan accounts executive if payment? Deducted as volume for personal statement online banking work process your securities needs with the application and road the surgery. Initiate a dutch curfew torched a loan statement from lenders for a maximum online banking services. We request for which can indusind online application process and interest rates. Please check your life to refer to bank account? Dear customer status online personal loan account number in case basis for updating your loan, chances of simpler to make sure that your account? Availed through more indusind bank statement and motion sensitive information. The app verifies your details within next few hours and pending approve or disapprove your loan. EMIs during the working year. Company stacks up from account statement online application and say hi. World-class giant and Credit Cards Gift Cards Rewards Travel Personal Savings Business Services Insurance and more. Check account number to open a free number, personal loans cheaper to your free. Dear master, We retreat the inconvenience caused. Our website uses cookies, please note of any information verification code in advance before making transaction? Avail immediate access pdfs by reputed education and shall be no online. Neither Bajaj Finance Ltd. -
June 2, 2020 National Stock Exchange of India Ltd
June 2, 2020 National Stock Exchange of India Ltd. (Symbol: INDUSINDBK) BSE Ltd. (Scrip Code: 532187) India International Exchange (Scrip Code: 1100027) Singapore Stock Exchange Luxembourg Stock Exchange Madam / Dear Sir, Moody’s Rating Action - Update We wish to inform that Moody's Investors Service (Agency) have, vide their Rating Action dated June 2, 2020 communicated that Moody's have downgraded IndusInd's long-term local and foreign currency deposit ratings to Ba1 from Baa3 and its BCA to ba2 from ba1. The rating outlook is negative. Moody’s have clarified that the key drivers for rating downgrade is caused due to economic disruptions caused by the coronavirus and the downgrade of the sovereign rating. The rating action of Moody’s follows Moody's recent downgrade of the Indian government's issuer rating to Baa3 from Baa2 with a negative outlook. The Rating Action Release by the Agency containing the reason for the above downgrade is attached. On March 9, 2019, Moody’s assigned Issuer Rating of ‘Baa3’ with a ‘Stable Outlook’ for the Euro Medium Term Notes (eMTNs) and our Bank raised USD 400 million in April 2019 which works out to 1% of the Balance Sheet at current level. These bonds are listed on India International Exchange and on Singapore Stock Exchange. This disclosure is being made in compliance with Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 20l5. A copy of this letter is being uploaded on the Bank's website at www.indusind com. We request you to kindly take this letter on record. -
TILAK MAHARASHTRA UNIVERSITY, PUNE Dissertation
TILAK MAHARASHTRA UNIVERSITY, PUNE Dissertation submitted for the partial fulfillment of M.Phil (Vidyanishnat) Degree “THE ANALYSIS OF THE PERFORMANCE OF MAJOR BANKS AFTER FINANCIAL SECTOR REFORMS” Researcher Mr Jeevan J Nagarkar M.A.(Eco), PGDFM Guide Dr. Santosh Dastane M.A.(Eco) Ph.D. Director, Neville Wadia Institute of Management Studies and Research NEHRU SAMAJIKSHASTRA VIDYASTHAN TILAK MAHARASHTRA UNIVERSITY Gultekdi, Pune – 411037 July - 2008 CERTIFICATE This is to certify that the work incorporated in the M.Phil (Vidyanishnat) Dissertation titled as, “The Analysis of the Performance of Major Banks After Financial Sector Reforms”, submitted by Mr. Jeevan Jayant Nagarkar has been carried out under my guidance. Such material as has been duly acknowledged is authentic with best of my knowledge, in this dissertation. DECLARATION I declare on oath that the references and literature, which are used in my dissertation, entitled, “The Analysis of the Performance of Major Banks After Financial Sector Reforms”, are from original sources and are acknowledged at the appropriate places in the dissertation. I declare further that I have not used this information for any other purpose, other than my research. Date – July 1, 2008 Place: Pune (NAGARKAR J J) ACKNOWLEDGEMENT I take great privilege to thank my research guide Dr. Santosh Dastane, Director N. Wadia Institute of Management Studies and Research, Pune, for accepting me as his research student of M Phil & for the help and support he extended towards me. I am grateful to him for his valuable guidance throughout my research, right from the collection of the data to its analysis. I also take the opportunity to thank Dr Praveen Jadhav, HOD, Dept of Economics TMV & Prof Jyoti Patil for their continuous support & guidance during the period of my research. -
Account Opening Form for Resident Individual
C M Y K ACCOUNT OPENING FORM FOR RESIDENT INDIVIDUAL CONSUMER BANKING Application Date D D M M Y Y Y Y Branch Application No. Branch Code Tatkal Non-Tatkal Reference Code P2 Code Condo Code CHOOSE ACCOUNT TYPE Type of Account Savings Account Current Account Fixed Deposit Recurring Deposit Type of Product Indus Exclusive Indus Select Indus Maxima Indus Privilege Max Indus Diva Indus Privilege Indus Comfort Indus Easy (Basic) Others:_______________________________ In case of Add-On Account: Primary Account Number*: Group Type: ___________________________ CHOICE ACCOUNT NUMBER Choose your Account Number: x x OR Sum of Digits (Subject to availability) (Select the last 10 digits of your Account Number) (Mention sum of digits you want as account number) INITIAL DEPOSIT DETAILS ` ____________________ Cash IMPORTANT: Cash should be paid only at the cash counter of Cheque No. ________________________ drawn on________________________________Bank the Branch and not to the executive accepting the form. for ` __________________(Favouring IndusInd Bank Ltd A/C - Customer Name.) Debit my existing A/c for ` ____________________ I understand that I need to maintain _____________________ balance monthly/quarterly for the account type indicated above. Applicant Signature APPLICANT INFORMATION (All fields with * are mandatory) Description 1st Applicant 2nd Applicant Cust. ID (Existing Customers)* Salutation* Mr. Mrs. Ms. Dr. Others____________ Please Specify Mr. Mrs. Ms. Dr. Others____________ Please Specify First Name* Middle Name Last Name* DOB* D D M M Y Y Y Y D D M M Y Y Y Y Differently Abled Yes No Yes No Nationality* Indian Other_________________ Please Specify Indian Other_________________ Please Specify Gender* Male Female Third Gender Male Female Third Gender Mother’s Maiden Name* Father/ Husband’s Name* Marital Status* Married Single Other Married Single Other Email ID* (To receive e-statement instead of physical statement) Mobile No.* (To receive SMS alerts) + 9 1 + 9 1 PAN* (Please select Form 60, if no PAN) Form 60 Form 60 CKYC ID Driving License No. -
Banks: Evolution, 1 Types & Functions
BANKS: EVOLUTION, 1 TYPES & FUNCTIONS BANK: DEFINITION The word bank is derived from Latin word ‘bancus’, French word ‘banque’, Italian word ‘banca’, meaning "table"; German word ‘banc’, meaning bench or counter. Benches were used as makeshift desks or exchange counters during the Renaissance by Jewish bankers, who used to make their transactions atop desks covered by green tablecloths. The Indian Banking Regulations Act, 1949 defines the term Banking as the accepting, for the purpose of lending or investment, of deposits of money from the public, repayable on demand or otherwise, and withdrawal by cheque, draft, order or otherwise. According to the Indian Banking Regulations Act, 1949 a Banking Company means any company which transacts the business of banking. Thus, a company which is engaged in the manufacture of goods or carries on any trade and which accepts deposits of money from the public merely for the purpose of financing its business as such manufacturer or trader shall not be deemed to transact the business of banking. The activities specified in the Act as banking activities are lending, borrowing, accepting and discounting of bills, dealing in foreign currency, deposit lockers, transfer of money etc. The Act prohibits a bank from buying and selling goods and also from holding immovable property. EVOLUTION OF BANKING There was no such word as ‘banking’ before 1640, although the practice of safe-keeping and savings flourished in the temple of Babylon as early as 2000 B.C. The first bank called the ‘Bank of Venice’ was established in Venice, Italy in 1157 to finance the monarch in his wars.