I – Principles and Practices of Banking – Sbaa1303
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SMERA – COCA Report
SMERA Code of Conduct Assessment C1 (Excellent performance of the MFI on Code of Conduct dimensions) SMERA Code of Conduct Assessment Svasti Microfinance Private Limited Date of Report: June 15, 2021 To verify the grading, please scan the QR code Valid till: June 14, 2022 SMERA’s Code of Conduct Assessment Grading Scale Grading Scale Definitions C1 Excellent performance of the MFI on Code of Conduct dimensions C2 Good performance of the MFI on Code of Conduct dimensions C3 Average performance of the MFI on Code of Conduct dimensions C4 weak performance of the MFI on Code of Conduct dimensions C5 Weakest performance of the MFI on Code of Conduct dimensions Assessment on Code of Conduct has been done on the indicators pertaining to Transparency, Client Protection, Governance, Recruitment, Client Education, Feedback & Grievance Redressal and Data Sharing. Some of these indicators have been categorized as Higher Order indicators consisting of indicators on Integrity and Ethical Behaviour and Sensitive Indicators. To verify the grading, please scan the QR code 2 Conflict of Interest Declaration SMERA (including its holding company and wholly owned subsidiaries) has not been involved in any assignment of advisory nature for a period of 12 months preceding the date of the comprehensive grading. None of the employees or the Board members of the SMERA have been a member of the Board of Directors of the MFI for a period of 12 months preceding the date of the comprehensive grading. Disclaimer SMERA’s Ratings / Gradings / Due Diligence and other credit assessment related services do not constitute an audit of the rated entity and should not be treated as a recommendation or opinion that is intended to substitute for a buyer’s or lender’s independent assessment. -
Growth Story of IOB
Touching Hearts and Spreading Smiles: Growth Story of IOB Mr. P. N. Joshi* Indian Overseas Bank @75: The Saga of Good People to Grow with: N. K. Thingalaya, M. S. Moodithaya and N. S. Shetty: Publisher: Indian Overseas Bank, Chennai: 2012: (Unpriced). Indian Overseas Bank (IOB), ab initio, is unique in many respects. Its birth was simultaneously at two places. In 1937 it was established at Madras (Chennai) and at birth itself like the mythical 'Hanuman', it jumped across the Indian borders and started functioning in Kuala Lumpur (Malaysia). Its founding father, M. Ct. M. Chidambaram Chettyar was the youngest banking genius barely under the thirties. Banking was in his genes. Normally banks in India at initial stages had the modest objective of serving the locals; but, IOB spread its wings in international markets. Again, IOB went in for partial privatization through public usually, Indian banks, as and when they ventured offering in September 2000. Imaginative title for this abroad, they turned to the West but IOB couriered to event viz. "IOB enters Dalal Street" speaks volumes the East. Thus, from the beginning, IOB has unique about the spark of the authors. attributes which it has preserved and polished during its long journey of 75 years, with an imaginative slogan, Indian Overseas Bank with its catchy slogan, "Touching "Touching Hearts and Spreading Smiles." Hearts and Spreading Smiles" has galloped over the 75 years from a business mix of ` 88 lakhs in 1937 to The enchanting story of IOB has been encapsulated by ` 3 lakh crores in 2012. The colourful balance sheets the reputed trinity comprising scholar Bank Economist, of both these years at the beginning of the document Dr. -
State District Name of Bank Bank Branch/ Financial Literacy Centre
State District Name of Bank Branch/ Address ITI Code ITI Name ITI Address State District Phone Email Bank Financial Category Number Literacy Centre Bihar Araria State Araria Lead Bank Office, PR10000055 Al-Sahaba Industrial P Alamtala Forbesganj Bihar Araria NULL Bank of ADB Building, Training Institute India Araria, Pin- 854311 Bihar Arwal PNB ARWAL ARWAL PR10000083 Adarsh ITC P Umerabad Bihar Arwal NULL Bihar Arwal PNB ARWAL ARWAL PR10000284 Shakuntalam ITC P Prasadi English Bihar Arwal NULL Bihar Arwal PNB ARWAL ARWAL PR10000346 Aditya ITC P At. Wasilpur, Main Road, Bihar Arwal NULL P.O. Arwal, Bihar Arwal PNB ARWAL ARWAL PR10000396 Vikramshila Private P At. Rojapar, P.O. Arwal Bihar Arwal NULL ITI Bihar Arwal PNB ARWAL ARWAL PR10000652 Ram Bhaman Singh P At-Purani Bazar P.o+P.S- Bihar Arwal NULL Private ITI Arwal Bihar Arwal PNB ARWAL ARWAL PR10000677 Sukhdeo Institute Of P Kurtha, Arwal Bihar Arwal NULL Tecnology Private ITI, Bihar Arwal PNB ARWAL ARWAL PR10000707 Dr. Rajendra Prasad P Mubarkpur, Kurtha Arwal Bihar Arwal NULL Private ITI, Bihar Aurangabad PUNJAB DAUDNAGAR DAUDNAGAR PR10000027 New Sai Private ITI- P Aurangabad Road, Bihar Aurangabad NULL NATIONA Bhakharuan More, , Tehsil- L BANK Daudnagar , , Aurangabad - 824113 Bihar Aurangabad PUNJAB AURANGABAD AURANGABAD PR10000064 Adharsh Industrial P Josai More Udyog Bihar Aurangabad NULL NATIONA Training Centre Pradhikar Campus L BANK Bihar Aurangabad MADHYA DAUDNAGAR DAUDNAGAR PR10000108 Sardar Vallabh Bhai P Daudnagar Bihar Aurangabad NULL BIHAR Patel ITC, Daudnagar GRAMIN BANK Bihar Aurangabad MADHYA DAUDNAGAR DAUDNAGAR PR10000142 Adarsh ITC, P AT-,Growth centre ,Jasoia Bihar Aurangabad NULL BIHAR Daudnagar More Daudnagar GRAMIN BANK Bihar Aurangabad PUNJAB RATANUA RATANUA PR10000196 Progresive ITC P At-Growth Center Josia Bihar Aurangabad NULL NATIONA More L BANK Bihar Aurangabad MADHYA DAUDNAGAR DAUDNAGAR PR10000199 Arya Bhatt ITC P Patel Nagar, Daud Nagar Bihar Aurangabad NULL BIHAR GRAMIN BANK Bihar Aurangabad PUNJAB OLD GT RD. -
List of Indian Public Sector Banks :- (Click to Visit the Website of the Bank)
List of Banks in India - 2014 Directory of Public Sector / Private Sector / Foreign Banks List of Indian Public Sector Banks :- (Click to visit the website of the Bank) Nationalized Banks, State Bank Group Banks have been included here as PS Banks : Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Limited Indian Bank Indian Overseas Bank IDBI Bank Industrial Development Bank of India Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Patiala State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank Of India Vijaya Bank (a) The following two State Bank Group Banks have since been merged with SBI) State Bank of Indore (since merged with SBI) State Bank of Saurashtra (since merged with SBI) ( b) New Bank of India (a nationalised bank) was merged with Punjab National Bank in 1993 List of Private Sector Banks in India Ads by Google Axis Bank Catholic Syrian Bank Ltd. IndusInd Bank Limited ICICI Bank ING Vysya Bank Kotak Mahindra Bank Limited Karnataka Bank Karur Vysya Bank Limited. Tamilnad Mercantile Bank Ltd. The Dhanalakshmi Bank Limited. The Federal Bank Ltd. The HDFC Bank Ltd. The Jammu & Kashmir Bank Ltd. The Nainital Bank Ltd. The Lakshmi Vilas Bank Ltd Yes Bank copied from www,allbankingsolutions.com List of Private Sector Banks Since Merged with other banks The Nedungadi Bank (merged with -
ANSWERED ON:17.10.2008 MERGER of LORD KRISHNA and CENTURION BANKS with HDFC Manoj Dr
GOVERNMENT OF INDIA FINANCE LOK SABHA UNSTARRED QUESTION NO:17 ANSWERED ON:17.10.2008 MERGER OF LORD KRISHNA AND CENTURION BANKS WITH HDFC Manoj Dr. K.S. Will the Minister of FINANCE be pleased to state: (a) whether the Lord Krishna Bank and Centurion Bank of Punjab have merged with HDFC Bank; (b) if so,the details thereof; (c) whether the RBI has given permission for this merger; (d) if so,the effect of this merger on the branches of Lord Krishna and Centurion Bank and the employees of these Banks;and (e) the steps taken by the Government to protect the interests of the employees? Answer The Minister of State in the Ministry of Finance (Shri Pawan Kumar Bansal) (a) to (d): Reserve Bank of India sanctioned the Schemes of amalgamation of Lord Krishna Bank Ltd. (LKBL) with Centurion Bank of Punjab (CBOP) Ltd. w.e.f. 29.08.2007, and Centurion Bank of Punjab Ltd. with the HDFC Bank Ltd. w.e.f.23.05.2008 under Section 44A( 4) ofthe Banking Regulation Act, 1944.The branches of the transferor banks became the branches of the transferee banks with effect from the date of amalgamations. (e): The Scheme of amalgamation of LKBL with CBOP provided for continuation of all the employees of LKBL in service on the Effective Date as employees of CBOP Ltd. without any break or interruption in service, on emoluments and benefits and terms and conditions of service which are no less favourable to the employees than those on which they were employed with LKBL as on the date immediately preceding the Effective Date.Further,it also provided that the provident fund, superannuation fund or any other special scheme(s), fund(s) created or existing for the benefit of the employees of LKBL,on and from the Effective Date, shall stand transferred to CBOP Ltd.The above provisions have also been incorporated in the Scheme of amalgamation of CBOP with the HDFC Bank Ltd.. -
Do Bank Mergers, a Panacea for Indian Banking Ailment - an Empirical Study of World’S Experience
IOSR Journal of Business and Management (IOSR-JBM) e-ISSN: 2278-487X, p-ISSN: 2319-7668. Volume 21, Issue 10. Series. V (October. 2019), PP 01-08 www.iosrjournals.org Do Bank Mergers, A Panacea For Indian Banking Ailment - An Empirical Study Of World’s Experience G.V.L.Narasamamba Corresponding Author: G.V.L.Narasamamba ABSTRACT: In the changed scenario of world, with globalization, the need for strong financial systems in different countries, to compete with their global partners successfully, has become the need of the hour. It’s not an exception for India also. A strong financial system is possible for a country with its strong banking system only. But unfortunately the banking systems of many emerging economies are fragmented in terms of the number and size of institutions, ownership patterns, competitiveness, use of modern technology, and other structural features. Most of the Asian Banks are family owned whereas in Latin America and Central Europe, banks were historically owned by the government. Some commercial banks in emerging economies are at the cutting edge of technology and financial innovation, but many are struggling with management of credit and liquidity risks. Banking crises in many countries have weakened the financial systems. In this context, the natural alternative emerged was to improve the structure and efficiency of the banking industry through consolidation and mergers among other financial sector reforms. In India improvement of operational and distribution efficiency of commercial banks has always been an issue for discussion for the Indian policy makers. Government of India in consultation with RBI has, over the years, appointed several committees to suggest structural changes towards this objective. -
Indian Overseas Bank Headquarters, History, Logo, Tagline Etc
www.gradeup.co 1 www.gradeup.co Indian Overseas Bank Full Details: Indian banking industry recruits thousands of aspirants among its officer and clerk cadre. Indian Overseas Bank is one among them. This article discusses the Indian overseas Bank MD and CEO and Board of Directors along with Indian Overseas Bank Headquarters, History, Logo, Tagline etc. Indian Overseas Bank is one among India's 12 Public Sector Banks. The primary objective of establishment of the Indian Overseas Bank to tap into the potential foreign exchange market. Get Banking Exams Important Updates, Study- Notes, Free PDF's & more, Join Gradeup Banking Telegram Group Join Now In this article, we have listed the Interest Rate of Indian Overseas Bank, subsidiaries and joint ventures of IOB, tagline and logo and many other important exam relevant facts. This article will help you prepare for the recruitment exams of many public sector banks of India such as SBI, PNB, BoB, UBI, Central Bank of India, Canara Bank, BoI, Indian Bank etc. So, lets us discuss the details about the Indian Overseas Bank in detail. History of Indian Overseas Bank: • Indian Overseas Bank (IOB) was founded on 10th February 1937. • Shri. M.Ct.M. Chidambaram Chettyar was the founder of the Indian Overseas Bank. • The main objective of the bank was to specialize in the foreign exchange business in the banking industry. • At the time of India's Independence, IOB had 38 branches in India and 7 branches abroad and Deposits stood at Rs.6.64 Crores and Advances at Rs.3.23 Crores. 2 www.gradeup.co • IOB was nationalized in 1969 along with 13 other banks by Government of India. -
Relationship Between Merger Announcement and Stock Returns: Evidence from Indian Banking”
“Relationship between merger announcement and stock returns: evidence from Indian banking” Muneesh Kumar AUTHORS Shalini Kumar Laurence PORTEU De La Morandiere Muneesh Kumar, Shalini Kumar and Laurence PORTEU De La Morandiere ARTICLE INFO (2011). Relationship between merger announcement and stock returns: evidence from Indian banking. Banks and Bank Systems, 6(4) RELEASED ON Wednesday, 08 February 2012 JOURNAL "Banks and Bank Systems" FOUNDER LLC “Consulting Publishing Company “Business Perspectives” NUMBER OF REFERENCES NUMBER OF FIGURES NUMBER OF TABLES 0 0 0 © The author(s) 2021. This publication is an open access article. businessperspectives.org Banks and Bank Systems, Volume 6, Issue 4, 2011 Muneesh Kumar (India), Shalini Kumar (India), Laurence Porteu de La Morandiere (France) Relationship between merger announcement and stock returns: evidence from Indian banking Abstract This paper examines the relationship between merger announcements with the stock returns in the Indian Banking during the period of 1999-2008. Using event study methodology, it attempts to ascertain whether the bidder banks experience significant abnormal returns during the post-announcement and pre-announcement periods. The results indicate that bidder banks may or may not experience any significant abnormal returns during the post-announcement period. No bank specific characteristics could explain the pattern of market reaction to merger announcements. How- ever, significant abnormal returns were observed in daily share prices in majority of the cases, during the pre- announcement period, indicating possibility of leakage of information in the market. Keywords: mergers in banks, merger announcement, consolidation in banking, market reaction, event study methodology, abnormal stock returns, pre-announcement, post-announcement, bidder banks, facilitated mergers, market driven mergers. -
View Annual Report
Experiential Leadership Enabling Personalized Customer Journeys Through Technology Annual Report 2017-18 HIGHLIGHTS Net Profit 17,487 crore An increase of 20.2% compared to the previous year. Balance Sheet Size 1,063,934 crore An increase of 23.2% compared to the previous year. Total Deposits 788,771 crore An increase of 22.5% compared to the previous year. Total Advances 658,333 crore An increase of 18.7% compared to the previous year. Capital Adequacy Ratio 14.8% Tier I Capital Ratio 13.2% Gross Non-performing Assets 1.30% of Gross Advances Network Banking outlets: 4,787 ATMs: 12,635 Cities/Towns: 2,691 TABLE OF CONTENTS Board and Management 2 AGM and Record Date Details 5 Evolving into an Experience Business, Digitally 6 Parivartan – A Step towards Progress 10 Working with the Government 12 Graphical Highlights 14 Financial Highlights 18 Directors’ Report 20 Independent Auditors’ Report 77 Financial Statements 80 Basel III- Pillar 3 Disclosures 155 Independent Auditors’ Report for 156 Consolidated Financial Statements Consolidated Financial Statements 160 Secretarial Auditor’s Certificate 209 on Corporate Governance Corporate Governance 210 Shareholder Information 234 BOARD AND MANAGEMENT BOARD OF DIRECTORS Shyamala Gopinath Bobby Parikh Partho Datta Malay Patel Chairperson Umesh Chandra Srikanth Nadhamuni Keki Mistry Sarangi Aditya Puri Paresh Sukthankar Kaizad Bharucha Managing Director Deputy Managing Director Executive Director KEY MANAGERIAL PERSONS Aditya Puri Paresh Sukthankar Kaizad Bharucha Managing Director Deputy Managing Director -
District Statistical Hand Book Chennai District 2016-2017
Government of Tamil Nadu Department of Economics and Statistics DISTRICT STATISTICAL HAND BOOK CHENNAI DISTRICT 2016-2017 Chennai Airport Chennai Ennoor Horbour INDEX PAGE NO “A VIEW ON ORGIN OF CHENNAI DISTRICT 1 - 31 STATISTICAL HANDBOOK IN TABULAR FORM 32- 114 STATISTICAL TABLES CONTENTS 1. AREA AND POPULATION 1.1 Area, Population, Literate, SCs and STs- Sex wise by Blocks and Municipalities 32 1.2 Population by Broad Industrial categories of Workers. 33 1.3 Population by Religion 34 1.4 Population by Age Groups 34 1.5 Population of the District-Decennial Growth 35 1.6 Salient features of 1991 Census – Block and Municipality wise. 35 2. CLIMATE AND RAINFALL 2.1 Monthly Rainfall Data . 36 2.2 Seasonwise Rainfall 37 2.3 Time Series Date of Rainfall by seasons 38 2.4 Monthly Rainfall from April 2015 to March 2016 39 3. AGRICULTURE - Not Applicable for Chennai District 3.1 Soil Classification (with illustration by map) 3.2 Land Utilisation 3.3 Area and Production of Crops 3.4 Agricultural Machinery and Implements 3.5 Number and Area of Operational Holdings 3.6 Consumption of Chemical Fertilisers and Pesticides 3.7 Regulated Markets 3.8 Crop Insurance Scheme 3.9 Sericulture i 4. IRRIGATION - Not Applicable for Chennai District 4.1 Sources of Water Supply with Command Area – Blockwise. 4.2 Actual Area Irrigated (Net and Gross) by sources. 4.3 Area Irrigated by Crops. 4.4 Details of Dams, Tanks, Wells and Borewells. 5. ANIMAL HUSBANDRY 5.1 Livestock Population 40 5.2 Veterinary Institutions and Animals treated – Blockwise. -
(Rs.) 1 In300394 12256108 a Babu No 22/8 Kalas Thathavadiar Street K
SASKEN TECHNOLOGIES LIMITED INTERIM DIVIDEND FOR THE YEAR 2015-16 AS OF 31-MAR-2018 TO BE TRANSFERRED TO IEPF ON 25-NOV-2022 SL. FOLIO NO. / AMOUNT CLIENT ID NAME ADDRESS PIN NO. DP ID (RS.) 1 IN300394 12256108 A BABU NO 22/8 KALAS THATHAVADIAR STREET KALASPALAYAM VELLORE 632001 360.00 2 SCT0000180 A C ARAVIND # 77/C, I FLOOR, 18TH CROSS, 6TH MAIN, MALLESWARAM BANGALORE 560055 300.00 3 IN301895 10759413 A SOMASEKHAR C/O G PITCHAIAH D NO 40-6-27 LABBIPET VIJAYAWADA, ANDHRA PRADESH 520010 150.00 4 SCT0000947 A SRINATH SUBHODAYA,KESTON ROAD, VELLAYAMBALAM, TRIVENDRUM KERALA 695003 30.00 5 IN301895 10217670 A SRINIVASAN 381/5, NETHAJI STREET LAKSHMIPURAM P O PERIYAKULAM TALUK THENI, TAMILNADU 625523 150.00 6 SCT0001311 A V HARIPRASAD REDDY 231/B SRI KALA NILAYAM, S G PALYA C V RAMANNAGAR BANGALORE 560093 90.00 7 120298 0000150892 A.MURUGAIAH 64,VADAKKATHI AMMAN KOVIL- STREET,MELAKADAYANALLUR, TENKASI(TK),TIRUNELVELI, 627751 15.00 MELAKADAYANALLUR TAMILNADU 8 IN302902 46946318 ABDUL GAFFAR B/302 NCL DUDHICHUA SINGRAULI MADHYA PRADESH,INDIA 486890 135.00 9 IN301135 26634035 ABHIJEET AURADKAR SASKEN NO 690 GOLD HILL SQUARE HOSUR MAIN ROAD BOMMANHALLI BANGALORE 560068 75.00 10 130193 0001240917 ABHISHEK AGARWAL 18 SHIVTALLA STREET DACCA PATTY 4TH FLOOR KOLKATA WEST BENGAL 700007 75.00 11 IN301330 20276377 ABHISHEK SINGH GAUR H NO 735 DURGA COLONY SANJEEVANI NAGAR GARHA JABALPUR MP 482003 30.00 12 120591 0000049147 AJAY KUMAR BAGHEL N. C. L. NIGAHI PROJECT SIDHI SIDHI M.P. 486884 1,410.00 13 IN301696 10594352 AJAY KUMAR GUPTA NO 60 BHAGABANDH -
Chennai District Origin of Chennai
DISTRICT PROFILE - 2017 CHENNAI DISTRICT ORIGIN OF CHENNAI Chennai, originally known as Madras Patnam, was located in the province of Tondaimandalam, an area lying between Pennar river of Nellore and the Pennar river of Cuddalore. The capital of the province was Kancheepuram.Tondaimandalam was ruled in the 2nd century A.D. by Tondaiman Ilam Tiraiyan, who was a representative of the Chola family at Kanchipuram. It is believed that Ilam Tiraiyan must have subdued Kurumbas, the original inhabitants of the region and established his rule over Tondaimandalam Chennai also known as Madras is the capital city of the Indian state of Tamil Nadu. Located on the Coromandel Coast off the Bay of Bengal, it is a major commercial, cultural, economic and educational center in South India. It is also known as the "Cultural Capital of South India" The area around Chennai had been part of successive South Indian kingdoms through centuries. The recorded history of the city began in the colonial times, specifically with the arrival of British East India Company and the establishment of Fort St. George in 1644. On Chennai's way to become a major naval port and presidency city by late eighteenth century. Following the independence of India, Chennai became the capital of Tamil Nadu and an important centre of regional politics that tended to bank on the Dravidian identity of the populace. According to the provisional results of 2011 census, the city had 4.68 million residents making it the sixth most populous city in India; the urban agglomeration, which comprises the city and its suburbs, was home to approximately 8.9 million, making it the fourth most populous metropolitan area in the country and 31st largest urban area in the world.