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Welcome to The Analyst

July'11

The Analyst, a flagship publication of the IUP with focus on finance. It brings to life the insights and best practices of corporate world in the area of finance. Every month The Analyst delivers in-depth analysis and thought-provoking ideas. It is a unique menu of interesting cover stories, debates, case studies, interviews with corporate elite and reviews of latest books.

Previous Issues
 
Focus Areas
  • Economic Environment
  • Financial Markets
  • Financial Services
  • Corporate Finance
  • Investment Banking
  • International Finance
  • E-Business
 
• The flagship publication of IUP, The Analyst is a monthly magazine with   focus on finance.
• A unique menu of interesting cover stories, insightful debates, incisive   case studies and interviews with corporate elite and summaries of   latest books.
• A combination of in-depth analysis and thought provoking ideas   presented in a lucid style.
• Read by the cream of corporate world.

Enjoys excellent brand equity.
 
Regular Features
  • Verbatim
  • Perspective
  • Book Review
  • Round Table
Articles
   
Price
(INR)
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US Economy End of the Road for the Empire?
Auto Industry Slowdown in Motown
Indian Wellness Industry Shifting Paradigms
SBI’s ‘Clean Up’ Act Of Crashing Profits and Rising Costs
Microsoft Skype Buyout Is It Worth It?
European Debt Crisis From Bad to Worse
International Convergence of Regulatory Standards Basel I to Basel III
Credit Default Swaps Finally in India
Exchange Traded Funds in India Whither Future?
Guaranteed Highest NAV Plans Where’s the Catch?
Infrastructure Development Issues and Opportunities
Indian Economy Will It Bounce Back?
Food Stamps Towards Food Security
Governance and Hunger Strikes Strange Bedfellows
Tabllets’’ Onsllaught: Future of Desktops
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Contents
(July 2011)

US Economy End of the Road for the Empire?

-- Ben Bernanke

Amidst mounting concerns about government spending and budget deficits, if Congress fails to raise statutory debt ceiling, the US could default on its debt, triggering a financial collapse with a catastrophic impact on the economies worldwide.

Current deficit was not sustainable, and had significant consequences for financial stability, for economic growth and our standard of living.

Article Price : Rs.50

Industry

Auto Industry Slowdown in Motown

-- Amit Singh Sisodiya and Ramana Pemmaraju

After notching up a growth of superfast 30% and above, India’s Motown seems heading for a slowdown as interest rates toughen and fuel prices head higher, forcing prospective buyers to stay away from showrooms, at least for now.

Article Price : Rs.50

Indian Wellness Industry Shifting Paradigms

-- Sandeep Ahuja

The wellness revolution, like the IT revolution that preceded it, has been propelled by the consumers’ shift from being passive users to aware decision makers. Increasing awareness and good service delivery practices are the most important growth drivers for the industry.

Article Price : Rs.50

SBI’s ‘Clean Up’ Act Of Crashing Profits and Rising Costs

-- Anil Rego

Though SBI continues to have a strong low-cost deposit ratio of 48%, it is still lagging behind other banks in terms of lending rate hikes. What is needed is a strategic change for sustained healthy growth.

Article Price : Rs.50

Microsoft Skype Buyout Is It Worth It?

-- Y Bala Bharathi and G P Mrudhula

In one of its largest acquisitions over three decades, Microsoft is all set to snap up Skype in an all cash deal. The move is seen as a shot in the arm for the cash-rich Redmond in bolstering its stake in the highly competitive Internet market.

Article Price : Rs.50

Financial Markets

European Debt Crisis From Bad to Worse

--N Janardhan Rao

While European policy makers are rushing to find solution to PIIGS’ debt woes, the precarious situation in these countries has left policy makers to act between multiple, unpleasant, sub-optimal solutions.

Article Price : Rs.50

International Convergence of Regulatory Standards Basel I to Basel III

-- Ashish Srivastava

Basel III has stepped in before the banks could switch to advanced approaches under Basel II and hence, they have to gear up for moving up the trajectory quite quickly.

Article Price : Rs.50

Credit Default Swaps Finally in India

-- R Venkatesan Iyengar

With the RBI’s announcement of the guidelines on CDS, the stage has been set for commencing transactions in the risk management product.

Article Price : Rs.50

Exchange Traded Funds in India Whither Future?

--Roundtable arranged by Amit Singh Sisodiya and
Ramana Pemmaraju

Even after 10 years of existence in the Indian market, ETFs have not been able to make any inroads in the investor portfolio. Performance-wise certain ETFs like gold have given more and consistent returns than the broad market in the last 2-3 volatile years. But if we compare equity ETFs performance with diversified equity mutual funds in longer horizons, ETFs appear to be far behind. Can ETFs be still relevant? The Analyst invited eminent experts including Hemant Beniwal, A K Prabhakar, and Harsimrat Sharma to share their perceptions on this issue.
Article Price : Rs.50

Guaranteed Highest NAV Plans Where’s the Catch?

-- Sanjay Matai

Insurance companies have tweaked the erstwhile ULIPs a bit and are now aggressively selling the so-called Guaranteed Highest NAV ULIPs. Unfortunately, as in the past, the sales pitch is again somewhat misleading and as such investors should not expect any great returns from such plans.

Article Price : Rs.50

Infrastructure Development Issues and Opportunities

-- B N V Parthasarathi

While the investment in infrastructure has certainly gone up in recent times, a road map for integrated infrastructure development, with supportive government policies and avenues to raise funds for the projects, is the need of the hour.

Article Price : Rs.50

Indian Economy Will It Bounce Back?

--N Janardhan Rao

As inflationary pressure shifts from food products to manufactured products, strengthening the supply side in manufacturing would be critical to keep the economy on growth track.

Article Price : Rs.50

Food Stamps Towards Food Security

--Swaha Shome

The latest innovation in the food security network of India is ‘food stamps’. With improved technology and infrastructure, it is perhaps the right time to launch food stamps in India on a large scale.

Article Price : Rs.50

Governance and Hunger Strikes Strange Bedfellows

-- grk

Sixty years may not be long enough for India to mature democratically and make its government behave responsibly. Although the nation has adopted a constitution of its own, it does not appear to be sufficient enough to handle the perspirations/aspirations of the people. At least that is what one feels looking at the kind of civil disobedience that the country has been perpetually witnessing for long.

Article Price : Rs.50

Tabllets’’ Onsllaught: Future of Desktops

-- Amit Singh Sisodiya and Ramana Pemmaraju

From corporate boardrooms to consumers’ living rooms, tablet computers are fast replacing the once-ubiquitous desktop PCs and playing spoilsport to even till-recently flourishing segment of notebooks, thereby raising concerns that the soaring popularity of Apple’s iPads and Samsung Galaxy Tab, among other tablet brands, could make desktops obsolete sooner than many think.

The increasing momentum of the media tablet market, led by the iPad, is creating a difficult environment for the PC industry.

Article Price : Rs.50
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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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