exception. Some of these principles defining sound banking behaviours are; 1. control mismatch between assets and liabilities 2. know your counterparty 3. expand cautiously into unfamiliar activities 4. avoidance of undue concentration of loans to a single activity‚ individuals and group But in a situation where banks all over the world are found wanting in terms of corporate greed every now and then call to question the sacredness of these ethics. This current trend was the reason behind
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45 housing finance entities providing housing loans worth Rs. 781‚000 million to home buyers across India. The project is related to identifying the potential customers in the catchment area of LIC HFL‚ Dehradun. It is very important to understand the needs and take business decisions accordingly‚ in order to improve the business and subsequently the environment. I have discussed with them about their needs and the reasons for taking housing loans in order to understand them clearly. I have
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annually Rs 50000 to fulfil this desire. How long will you have to wait if your savings earn an interest of 12 percent p.a.? 3. Suppose a firm borrows Rs 10‚00‚000 at an interest rate of 15 percent and the loan is repayable in equal instalments at the end of each yr for next 5 yrs. Prepare the loan amortization schedule. 4. Find the present value of Rs 10000 to be received at the end of 4 yrs if discount rate is 12% p.a. and discounting is done quarterly. 5. If you invest Rs 5000 today at a compound
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C. Profitability D. Purpose E. Diversification of risks F. Security We would now discuss about each of the principles in details. A. Safety: The most important principle of sound lending is safety. The banker‚ while lending‚ has to ensure that the loan is provided to the right depositors who would repay the amount with due interest and make the payment on time. It is the banker’s duty to ensure that the money lent remains safe and comes back to the back ultimately. Safety is the first
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PEST ANALYSIS OF EXPRESS SAVINGS AND LOANS COMPANY LIMITED AND FACTORS THAT WILL ENHANCE GROWTH OF THE COMPANY. INTRODUCTION Enterpreneureural ambitions are easily killed when a business idea is implemented without considering factors that can militate against growth. Most companies fold up before their fifth birthday. These companies with great potential should have grown if certain technical indicators were assessed and the right panacea given. PEST analysis is the analysis of the external
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http://www.balancepro.net Bauldings‚ (2004). Buying Versus Leasing Your New Car. Retrieved from the World Wide Web on October 29‚ 2005 from the Bad-Credit-Loans-Center ’s website at: http://www.bad-credit-loans-center.com CLA (Car Loans America)‚ (2005). Buying Versus Leasing. Retrieved from the World Wide Web on October 29‚ 2005 from the Car Loans America ’s website at: http://www.carloansamerica.com Hawling‚ (2002). BUYING VERSUS LEASING. Retrieved from the World Wide Web on October 29‚ 2005 from
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they do not serve as a detriment to acquiring finance in any way. It is just a mere classification. In the course of our interview with SIDBI officials we learnt that SIDBI does not adhere to any hard and fast rule while segregating these industries. Loans are given depending upon the financial viability of the unit and not the category to which it belongs. However the govt. has certain certain prescribed limits over the years for SSI. The details of investment limits upto the year 1997 are as follows:
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SOLID AGRICULTURAL COMPANY I. Summary Solid agricultural company is a family owned company that has been in existence since 1960. It operates piggery farms in Antipolo‚ Rizal and Meycauayan‚ Bulacan. It has grown conservatively due to limited family resources. The company was previously primarily managed by Mr. Henry Koh. But in the recent years‚ his son Mr. Manuel Koh helped in the management of the company. Mr. Manuel Koh saw an opportunity for expansion. The expansion is projected to increase
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of loan facilities from any financial institution? Yes No 5) Why are you preferred to take a loan? Please tick [√] against respective column in table: PARTICULAR | HOME LOAN | AUTOMOBILE LOAN | CONSUMER DURABLE | Tax saving | | | | Easy installment | | | | Not enough saving | | | | Lower income | | | | 6) On what basis you choose the institute to take loan? Please tick [√ ] against respective column in table: PARTICULAR | HOME LOAN | AUTOMOBILE LOAN | CONSUMER
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Weerasooriya‚ the three basic principles that lead to lending decision are safety of loan‚ suitability of loan purpose and profitability. The first principles is the safety of loan which refers to how safe is the loan if the financial institutions approve the loan. A safe borrower is the one who has good characteristic‚ financially sound and has the ability and willingness to repay the loan. In order to increase the safety of loan‚ banks require a collateral from the borrower as it serves as a safety valve
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