COVER
STORY
Indian
Banking: Performance and Developments 2004-05
-- D Satish, Sharath Jutur and V Surendar
Indian
banking is constantly evolving. It is adopting international
benchmarks and best practices. With banks improving their
efficiency and adapting technology, the thin line between
the private and public sector is fast blurring. Also, with
Indian banks betting on global expansion and many foreign
banks increasingly looking at India, the banking system is
all set to further evolve to a higher level.
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2005 IUP. All Rights Reserved
COVER
STORY
Performance
Snapshot 2004-05: Methodology
The
study is based on CAMEL methodology. It includes an analysis
of the performance of 55 banks whose annual results for 2004-05
are available. Banks are classified into large medium and
small categories based on total income size. Category-wise
ranks are assigned based on aggregate average of ranks under
each group of parameters under CAMEL.
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2005 IUP. All Rights Reserved
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Management
of NPAs: Trends and Challenges
-- Dr. K C Chakraborty
Banks
play the game of snakes and ladders to manage NPAs.
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2005 IUP. All Rights Reserved
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Risk
Management: A New Approach Needed
-- Nagesh Pinge
Sophisticated
risk management techniques will play a much greater role in
21st century banking than it did in the previous century.
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Technology:
A Strategic Resource
-- KNC Nair
Banks
are realizing that technology has become a strategic resource
for achieving competitive advantage and sustainable business
growth.
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Supply
Chain Financing: Prospects and Challenges
-- Rajeev Sathe
SCF
holds substantial promise and possibilities for cost reduction
for the clients as supply chain financing costs are often
as much as the costs associated with transportation and distribution.
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Wealth
Management and Private Banking: Key Themes for Future
-- Anita Iyer
Wealth
managers, who develop an in-depth understanding of their customers,
will be well-positioned to retain and grow business by deploying
distinct strategies for marketing, pricing and servicing.
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Wealth
Management and Private Banking: Building a Proactive Model
-- Ajay Mahajan
The
quality of advice and level of service play an important role
in building a winning business model for banks.
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2005 IUP. All Rights Reserved
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Core
Banking Solutions: 5 Techniques for Implementation
-- V Ramkumar
Some
of the most common issues around core banking implementations
are organizational, not technical.
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Global
Retail Banking: Changing Paradigms
-- Dr. Holger J Kern
The
‘battle’ for the retail client will be won at the
customer interface—but only by understanding the client,
the client segments and the client needs.
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Globalization:
Impact on Indian Banking
-- S Santhanakrishnan
Globalization
is both a challenge and an opportunity for Indian banks to
gain strength in the domestic market and increase presence
in the global market.
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Islamic
Banking: Emerging Scenario
-- Prof.
Saiful Azhar Rosly
Islamic
banking products should be able to make evident the three
elements of risk, effort and responsibility to claim Shariah
legitimacy. Otherwise, the religious labeling is inaccurate
and may fail to reflect the morality of the Islamic banking
business.
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Islamic
Financial Institutions: What Sets them Apart
-- Mohammed Obaidullah
While
Islamic financial institutions are more like ‘universal
banks’ that undertake various kinds of fund-based and
fee-based operations, the characteristic that sets them apart
is the need for Shariah compliance and promotion of Islamic
values.
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FDI
in Banks: Welcome Competition
-- Ram Mohan T T
FDI
in banking brings in competition, players with deep pockets
and superior managerial practices.
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Basel
II: Implication on Indian Banking
-- Lawrence Sáez
Over
the last decade, developing banking systems—like India’s—have
made important strides in ensuring that banks have adequate
capital to cover credit risks.
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Technological
Upgradation: Impact on Service Quality
-- Subhojit Banerjee
Customers
in developing economies seem to keep the ‘technological
factors’ of services such as core service and systematization
of the service delivery as the yardstick in differentiating
good and bad service.
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CRM:
Deliverance is the Key
-- Dr. Saumitra
Bhaduri
The
realization that customer relationship management is a journey
and not a ‘one-shot’ event is probably the most
critical ingredient for the successful implementation of CRM.
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2005 IUP. All Rights Reserved
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