“H.R. BUSINESS PARTNERING” HDFC STANDARD LIFE SUBMITTED BY: Kriti Gupta ENROLMENT NO: A7OO6409017 BBA –IVth sem Under guidance of:
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surveillance and periodic meetings RBI’s regulatory role A range of activities are comprised by the national financial regulator‚ they are Licensing Monitoring governance Prescribing capital requirements Regulating interest rates Setting prudential regulations to make sure solvency and liquidity of the banks Ordering the lending to certain priority sectors of economy Setting appropriate regulatory norms related to income recognition‚ asset classification‚ Provisioning‚ investment valuation
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TABLE OF CONTENTS S.NO CHAPTER DECLARATION (PARA 12 – B) CERTIFICATE (PARA 12 – C) PREFACE ACKNOWLEDGEMENT PAGE ii iii iv v 1 1 1 2 4 6 11 11 12 13 14 15 15 18 20 21 21 25 26 28 30 1 1.1 1.1.1 1.1.2 1.1.3 1.1.4 1.1.5 1.1.6 1.1.7 1.1.8 1.1.9 1.1.10 1.1.11 1.1.12 1.1.13 1.2 1.2.1 1.2.2 1.2.3 1.3 1.4 INTRODUCTION Importance of Banks in an Economy What Is A Bank? Functions of a Bank Banking Sector in India The Role of Banking in an Economy Role of Banks in the Indian Economy The Role Of Central
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RETAIL ASSETS (USD bn) | |FY2003 |FY2004 |FY2005 | |Outstandings |153 |217 |298 | |Disbursements |18 |22 |29 | Source: Economic Times • The retail loan market
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Nationalisation of Banks Despite the provisions‚ control and regulations of Reserve Bank of India‚ banks in India except the State Bank of India or SBI‚ continued to be owned and operated by private persons. By the 1960s‚ the Indian banking industry had become an important tool to facilitate the development of the Indian economy. At the same time‚ it had emerged as a large employer‚ and a debate had ensued about the nationalization of the banking industry. Indira Gandhi‚ then Prime Minister of India
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Government Debt Placement If a central bank has this responsibility‚ it is expected to place government debt on the most favourable terms possible. Essentially‚ a government can instruct the central bank to raise seigniorage income43 through a variety of methods‚ which include a reserve ratio (requiring banks to set aside a certain percentage of their deposits as non-interestearning reserves held at the central bank – an implicit tax)‚ interest ceilings‚ issuing new currency at a rate of exchange
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international best practices. The second phase of reforms began in 1997 with aim to reorganization measures‚ human capital development‚ technological up-gradation‚ structural development which helped them for achieving universal benchmarks in terms of prudential norms and pre-eminent practices. This paper seeks to determine the impact of various market and regulatory initiatives on efficiency improvements of Indian banks. Efficiency of firm is measured in terms of its relative performance that is‚ efficiency
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August 18‚ 2009 | FMCG Initiating Coverage Dabur India (DABIND) Creating waves in the FMCG space… Dabur India Ltd‚ (DIL) with its diverse product portfolio‚ extensive presence in under-penetrated categories and ability to foray into new categories by successfully driving inorganic and organic growth is expected to capitalise on growing FMCG trends. Subsequently‚ we expect net sales and net profit to grow at a CAGR of 16.9% and 19.5%‚ respectively from FY09E-FY11E. We are initiating coverage
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Ethnic Groups and Discrimination Tanya Casey ETH/125 Week Three Assignment Sarah Jakub‚ M.A.‚ J.D. The African-American group is the ethnic group that I belong to. During the years of 1450- 1750‚ Africans immigrated against their will by the Europeans for the slave trade in North America. Africans and their descendents endured harsh treatment‚ such as slavery‚ extreme physical and mental abuse‚ human exploitation‚ etc. When the Civil War began in 1861‚ African-Americans join the
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domains are moral‚ personal‚ prudential and conventional. The Moral domain covers issues that are seen as fundamentally right or wrong. They are also based on universal qualities‚ which are religiously based. An example for moral domain would be not hitting others or not stealing. The next domain is personal which includes issues that only affect the individual. An example would be whether you wear a red or blue shirt or your choice of friends. Another domain is Prudential which are issues related to
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