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Financial services provided by Indian banks with a critical view as presented by B..Raghunandan in a guest lecture at Karnataka Bank Staff Training College, Mangalore on August 10, 2009
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Karnataka Bank Staff Training College,
Mangalore.August 10, 2009
MARKETING OF FINANCIAL SERVICES-B.V.RAGHUNANDAN, SVS COLLEGE, BANTWAL
Nationalisation and its Impact on Banks
Network of BranchesUniversal AccessImplicit Brand EquityProfessional EmployeesCoverage of Both Urban and Rural Areas
Problems Created
Non-Performing AssetsAsset-Liability MismatchCapital InadequacyLimited Investment OptionsRegulated Interest RegimeToo Much Of Regulation Impact of Political Compulsions
Events That Changed the World of Indian Banking
Financial Sector ReformsOpening Up of Insurance SectorIT Absorption by Indian BanksMoney Market ReformsReverse Merger of ICICI into ICICI BankEstablishment of Clearing Corporation of
IndiaATMs Emerging as a Business Model
Requirement
Employee Oriented OrganisationA Separate BPO ArmLonger Business Hours with ShiftsAppointment of ProfessionalsSubsidiaries & Strategic Business
UnitsComprehensive Training to Employees
on Financial Markets, Services and Derivatives
Requirement… Continued
Economic ResearchChanged Mindset for Seamless
Remittance FacilitiesA Bigger and Better Lobby for
Banking IndustryMore Freedom In Choosing ActivitiesLong Term Profitability vis-a –vis
Short-Term Profits
Emerging Opportunities Areas
Housing FinanceSale Of Insurance ProductsSale of Mutual Fund Units & Exchange
Traded FundsDepository ParticipationMerchant Banking Venture Capital FinancingSale of Pure Gold Coins & Custodianship
of Gold ETF Factoring ServicesLeasing FinanceATM Enabled Business
Corporate Clients’ Needs
Accessing Markets through Merchant Banker, Underwriter, Brokers, Banker To The Issue
Registrar & Transfer AgentsCustodial ServicesStock BrokingDepository ParticipationVenture CapitalFactoring ServicesCash Management ServicesMergers & Acquisitions
Corporate Clients’ Needs…continued
Sale & Lease BackForeign Exchange NeedsLoan SyndicationLeveraged Take-Overs & Buy-Outs
Wholesale Banking
Functions of A Merchant Banker
Issue of SecuritiesMergers &
AcquisitionsFinancial
RestructuringManagement of
Investment TrustsPortfolio
Management
Loan SyndicationCorporate Advisory
ServicesCustodial &
Depository ServicesUnderwritingInvestment Banking
Banks As Merchant Bankers
Economic researchCreation of a Database of Corporates of the Globe
Appointment of Legal, Managerial, and Accounting Professionals
Continuous Working Out of Scenarios for Financial Restructuring and M & A
Banks & Secondary Markets
Stock Broking & Commodity Broking
Depository Participation
Stock Lending & Borrowing
Internet TradingIssue of Credit
Cards
Custodial ServicesLending on the
Security of StocksInvestor
Grievances CellAuction Site for
Unlisted Shares
Banks & Venture Capital
Database of ClientsContacts with Various
Industrial CustomerProfessional
Expertise in Fund management
Ability to Provide Any Financial Service
Contacts With Mutual Funds & Fund Houses and High Networth Individuals
Banks & SMEs
Depository for SMEDebenture TrusteeCustodial ServicesCredit Rating
ServicesAdvisory Services
Portfolio Management
Market makingAdvisory
Services on Derivatives
Banks & Mutual Funds and ETFs
Fastest Growing MarketRisk- Shy InvestorsTie-Up for Sale and RedemptionAsset Management ServicesNetwork of Branches and ATMsCustodians of Gold ETF
Bancassurance
Only a Distribution FunctionPremium Collection Investor CounsellingClaim SettlementCustomer RelationAlmost Acting As a BPO ArmAvoidance of Opening of Branches by
Insurance Companies
ATMs-The Super Giant BankerAll the Functions of a BankA Strategic ModelUniversal Network SharingPayment of Utility BillReservation of Every Kind Subscription and Redemption of Mutual
Fund UnitsSubscription to Money Market
Instruments ?Subscription to Primary market issues ?Purchase and Sale of Shares ?
Retail Banking
Consumer FinanceIssue of Credit CardsSale of Mutual Fund UnitsSale Of Insurance Products & Settlement
of ClaimsPayment of Every KindReservations of Every KindBuying & Sale of Foreign ExchangeApplying to Primary IssuesStock Broking
Retail Banking….continued
Tax Planning & Tax Payment Investment CounsellingPurchase & Sale of Government Bonds
Purchase & Sale of Money Market Instruments
Accreditation, if CIBIL takes it up
Agriculture & Rural Finance
Self Help Groups Micro CreditCommercial AgricultureOrganised RetailDistribution of Insurance ProductsSocial Banking
ChallengesHR ProblemsAlliance with Insurance Companies:
Nature of AllianceCapital AdequacyChange Management Technology AbsorptionContradictions of RBI & Ministry of
Finance
TrendsCommoditisation of ServicesMergers & Acquisitions for Scale of
OperationTie-Ups: For ATMs, OIC, Bank of India &
Union Bank of India, Karnataka Banks’ Alliance
Banks Emerging as a Giant Financial Machine for the Entire Country
Impersonal Banking through Internet & ATMs
Thank You