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November '03
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Disinvestment - A Boon for Equity Markets
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Disinvestment in India - An Introspection
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Retail Trading in Government Securities - Crash at Take-off?
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COVER STORY

Disinvestment - A Boon for Equity Markets

-- G Kumaraswamy Naidu,Ali Mohammad Anwer

The Disinvestment program has received yet another jolt, this time from the judiciary. However, disinvestment has to move on to improve the fortunes of the economy as well as stock markets. This article explains the effects of disinvestment on Indian capital markets.

© IUP. All Rights Reserved.

Article Price : Rs.50

Disinvestment in India - An Introspection

-- Sharath Jutur, KBS Kumar

The process of disinvestment seems to have taken off in full-fledged manner, but at the same time there are caution bells from a few global experiences.

© IUP. All Rights Reserved.

Article Price : Rs.50

MUTUAL FUNDS

Identifying the right one

-- K Madhavakumar

What are the most important considerations while selecting a fund? Its past performance? Or its costs, volatility or its returns?

© Business Line, September 30, 2003. www.thehindubusinessline.com. Reprinted with permission.

INDUSTRY ANALYSIS

Tea: A Cup that Cheers no Longer

-- C Raja Rajeshwari

The Indian Tea Industry is under a twin attack from foreign competition and domestic problems.The industry needs to focus on quality and cost control in order to restore its sagging fortunes.

© Business Line, October 12, 2003. (www.thehindubusinessline.com). Reprinted with permission.

INVESTMENT STRATEGIES

Six Predictions for the Future of Investing

-- N Mahalakshmi

If you think the stock boom is the best thing going, think again. Dr. Marc Faber, a close watcher of business cycles and long-term asset price bubbles, thinks financial assets may do less well than commodites in the not-too-distant future.

© Business Standard, September 29, 2003. Originally printed as "The future belongs to physical assets"Reprinted with permission.

DEBT MARKET

Retail Trading in Government Securities - Crash at Take-off?

- - Sanjeev Kumar

Retail trade in Government securities started early this year. After the initial enthusiasm not much interest has been shown.

© IUP. All Rights Reserved.

Article Price : Rs.50

 

Global Executive Summaries

  • Hidden Flaws in Strategy Into the Valley of Debt
  • Economic Conditions Provide Little Guidance for Investors
  • Bull Market: Reality or Mirage?
  • As Tech Booms,
  • Bears See Bubble
  • Mutual Fund Scandals:
  • Investors' Losses
  • Breaking with Tradition: A New Way of Looking at Diversification
  • A Huge Appetite for
  • Russian Bonds
 
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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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