11Cs for better credit analysis in Asia Loan default is a universal phenomenon associated with all types of business enterprises. However‚ loan default in case of banks has special significance because extending of credit is almost the exclusive business of banking institutions. Naturally magnitude of loan default largely determines the destiny of a bank. So‚ its importance is absolute for the very existence of a bank. As banks deal with other people’s money‚ quick recovery of loans is one of the
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NI provides holder two rights:- 1. To receive amount specified in such document from person who is liable 2. To transfer aforesaid right to any other person Applicability :- 1. Location: Whole India except state of J&K 2. Instrument based: Section 13 gives definition of NI B/E‚ Pro Note and Cheque - For DD it is applicable - Not App on share certificate - Not App on share warrant - Not App on Document of title - Not App on Currency note - Not App on Bonds/Commercial papers/ T Bills/
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Objective This objective of this report is to analyse and evaluate the financial data of Merrill Lynch through 2006‚ 2007 and 2008. It also looks at the developments in the financial markets during these years and its impact on Merrill Lynch‚ a what-if analysis of the possible financial performance that might have existed had the economic downturn not occurred and in the end summary and conclusions based on the findings. Introduction to Merrill Lynch Merrill Lynch is one of the world’s premier
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superiority. As the plot unfolds‚ Chekov depicts the will to resist the temptation of greed‚ understanding the value of human life‚ and knowledge as the true ambitions of existence. First of all‚ the lawyer shows greed when he accepts the bet with the banker. This acceptance is a foolish act by the lawyer for he believes the value of the money won in the bet will pay for 15 years of imprisonment. Instead‚ he experiences loneliness and depression in his solitary confinement and realizes that there are
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MANAGEMENT OF DEPOSITS IN COMMERCIAL BANKS Before going in to details of Deposit management One must under stand the format of balance sheet THIRD SCHEDULE TO BANKING REGULATIONS ACT 1949 FORM A FORM OF BALANCE SHEET SCHEDULE AS ON 31/3/---- (Current year) AS ON 31/3/---- (Previous Year) CAPITAL & LIABILITIES Capital Reserves & Surplus Deposits Borrowings Other Liabilites & Provisions 1 2 3 4 5 Total ASSETS Cash & Balances with RBI Balances with banks
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business there are two options to consider for raising business capital‚ equity financing and debt financing. The details‚ advantages‚ and disadvantages of both options will be provided. Also information about raising capital by selecting an investment banker will be discussed. To wrap up‚ the historical relationships between risk and return for common stocks versus corporate bonds will be examined. Equity Financing In terms of equity financing it is the process of raising capital through the sale
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Contents 1.1 Introduction .Pg 2 1.2 Extensive Investment in training and retraining Pg 2 1.2.1 New hire training Pg 3 1.2.2 Retraining Pg 3 1.3.3 Legal and regulation training Pg 4 1.3 Access to lead market research and a team of highly skilled product specialist Pg 5 1.3.1 Access to leading market updates Pg 6 1.3.2 Highly skilled product specialist Pg 6 1.3.3 Consistent and regular updates on the market Pg 7 1.4 Motivation through intrinsic and extrinsic rewards .Pg 7
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the Director of Recruiting‚ and a group of 30 bankers have four candidates to choose from. The group is having a hard time deciding how they will extend the offers‚ primarily due to their different opinions based on an evaluation system that allows biased and inconsistent feedback. The time frame for the decision is as soon as possible‚ since all present are anxious to leave given the inclement weather and the fact that this is a Saturday with bankers who would rather be home on their day off. Long-Cycle
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various individuals which we reviewed for giving us time out of their busy schedules and giving us most satisfactory responses. Objective How is mobile banking services useful for banks and its customers. Customers Point of View Bankers Point of View Analyzing their views. Concluding the results derived. Procedure/Methodology Prepare questionnaire and get it filled by customers and banks. Key assumptions All people use mobile banking services.
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a) Advise on the relationship between a bank and its customer. Explain the duties and rights each has towards each other. b) Name and discuss any three types of negotiable instruments AUTHOR: KATALILO JOY INTRODUCTION This paper is aimed at discussing the relationship between a bank and its customer and the duties and rights each has towards each other. In discussing the relationship a scenario will be considered. The paper will further discuss
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