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Magazines >>
Finance
Professional Banker

October '06
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Regular Features

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Articles
   
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Global Imbalances: Issues and Challenges
50
Financial Disintermediation An Inevitable Transition in a Developing Economy
50
The Universal Banking : Bigger is Better
50
The article gives an overview of credit card fraud, various credit card fraud methods, and ways to prevent it.
50
Emerging Trends in Banking Sector : A Study on ING Vysya Bank
50
CRM in the Banks of India : The Beginning of the End?
50
Residential Mortgage Backed Securitization : Concept and Practices
50
Corporate Governance in Indian Banking
50
Do Indian Banks Need Fixing?
50
Rising Capital Needs of Banks: Innovative Solutions
50
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COVER STORY

Global Imbalances: Issues and Challenges

- - Katuri Nageswara Rao

The US may be happy living beyond its means, but if it does not correct the imbalances it is causing worldwide, crude oil and other major commodities may soon be invoiced in non-dollar currencies. The rest of the world needs to watch its step instead of waiting for the market forces to perform some miracles.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

SCENARIO

Financial Disintermediation An Inevitable Transition in a Developing Economy

- - Rajeswari Krishnan

Disintermediation is a buzzword in financial services. It plays a vital role in economic development, facilitates the savings process and supplies funds to the user.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

SCENARIO

The Universal Banking : Bigger is Better

- - Medha M Katkar

Universal Banking is one-stop service financial institution offering commercial banking, security services and insurance products, but regulating and supervising universal banks could be a complex issue.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

BANKING SCENARIO

Credit Card Frauds : A Conceptual Framework

- - Anu Sahi and Shaveta Gupta

The article gives an overview of credit card fraud, various credit card fraud methods, and ways to prevent it.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

CASE IN FOCUS

Emerging Trends in Banking Sector : A Study on ING Vysya Bank

- - PP Rathod and PK Kulkarni

ING Vysya Bank, a part of the ING group, is active in life insurance, asset management and banking services. This article analyzes the various product offerings of the Bank.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

TECHNOLOGY

CRM in the Banks of India : The Beginning of the End?

- - Mridula Venugopalan

The Indian banking sector is increasingly realizing the importance of effective customer relationship management. Continuous efforts are being made to improve customer relations and reduce customer turnover. This article analyzes the current Indian banking scenario and focuses on customer relations.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

PRODUCTS

Residential Mortgage Backed Securitization : Concept and Practices

- - Dhandapani Alagiri

The Reserve Bank of India has established a systemic framework for specialized mortgage finance in the country and the housing finance sector has been witnessing a steady growth of over 25% in the past few years. This article analyzes the history of Residential Mortgage Backed Securities (RMBS) in India, recent developments, and the initiatives to strengthen the market.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

REGULATION

Corporate Governance in Indian Banking

- - P Srinivas Subbarao

Corporate governance in banks acquires additional significance as banks are highly leveraged finance entities that thrive on public trust. The Basel Committee underscores the need for banks to set strategies for their operations and insists them to establish accountability for executing these strategies.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

REGULATION

Do Indian Banks Need Fixing?

- - TN Ramakumar

Though Indian banks have not acquired international stature, the trend towards improvement is quite discernable.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

FOCUS

Rising Capital Needs of Banks: Innovative Solutions

- - Yash Paul Pahuja

Credit demand in the economy has grown rapidly since the last few quarters. Economists expect that credit demand in the coming years will grow at more than the present rate of growth, i.e. 30% p.a. The big question is from where the banks will bring money to finance the coming huge capital intensive projects in the field of infrastructure and other industries. The only way the RBI could help is by reducing its statutory requirements in the form of SLR (Statutory Liquidity Ratio) and CRR (Cash Reserve Ratio). The relief by the RBI with the reduction in the requirement of these two ratios will not suffice.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

BOOK REVIEW

Deutsche Bank: WetFeet Insider Guide

- - Baradi Naveen Kumar

This book on Deutsche Bank by WetFeet discusses the formation, history and progress made by the Bank over a period of time.

© 2005 WetFeet, Inc. All Rights Reserved. The IUP holds the copyright for the Book Review.

 

Global Executive Summaries

  • Stability and Change
    Full Text: www.bis.org

  • Regulation and Supervision in Insurance and Banking
    Full Text: www.bis.org

  • The Right Policies for Today's Global Economy
    Full Text: www.bis.org

  • Financial System Risks in the UK : Issues and Challenges
    Full Text: www.bis.org

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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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