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COVER STORY
Brazilian Banks
:On the Reform Path
-- Katuri Nageshwar Rao
Brazilian banks, following a massive privatization effort, are now on the path of prosperity. Entry of foreign banks is of
recent origin. However, they have already ignited forces of competition, besides bringing in better risk management
principles, superior technology and higher efficiency. But, Brazilian banks need further restructuring and there is also a need for
more number of banks. Brazil's major banks have been functioning as universal banks offering diverse products and services.
© 2008 IUP . All Rights Reserved.
INTERNATIONAL BANKING
Union Bank of Switzerland
: Swiss Fish in the Subprime Net
-- T Jyotsna
Union Bank of Switzerland's incredible fall from grace has left a mark on its reputation as the world's most charming bank.
It has faced the gravest ever crisis in its history and became the Europe's biggest casualty of the credit crunch.
© 2008 IUP . All Rights Reserved.
INTERNATIONAL BANKING
Meltdown at the Wall Street
: A Crisis of Confidence
-- Dr. Ashish Srivastava
The global financial crisis began with accumulation of cheap liquidity and resulted in an unforeseen collapse of the
markets and institutions due to liquidity crunch. In a way, liquidity has been both the cause and effect of the global fiasco.
© 2008 IUP . All Rights Reserved.
INTERNATIONAL BANKING
$700 bn Bailout
: Just Not Enough
-- D Satish
The much delayed and once-rejected $700 bn bailout package of the US government is not just enough to stem the
financial crisis and lift the financial markets out of gloom.
© 2008 IUP . All Rights Reserved.
SCENARIO
Sovereign Wealth Funds : as
Development Funds for Developing Countries
-- S N Ghosal
Sovereign Wealth Funds (SWFs) are emerging as one of the significant sources of funding institutions directly or
indirectly through banks and financial institutions for infrastructural development, particularly in the emerging markets of the
world. SWFs need to be handled cautiously to ensure maximum returns with minimum risks. This article deals with various
aspects of SWFs.
© 2008 IUP . All Rights Reserved.
INCLUSIVE BANKING
Financial Inclusion
: From Class to Mass Banking
-- Sanjoy De
Even after 40 years of bank nationalization, the goal of financial inclusion has remained elusive. Financial exclusion is
still pervasive, warranting concerted efforts from all parties.
© 2008 IUP . All Rights Reserved.
RETAIL BANKING
The Emergence of
Retail Banking in India
-- Sanjay Kumar Joshi
Retail banking in India has come forth as one of the major drivers/operators of the overall banking industry. This article
helps to have a better understanding of the major changes in the Indian retail banking sector.
© 2008 IUP . All Rights Reserved.
COOPERATIVE BANKING
SWOT Analysis of Urban Cooperative Banks
-- C Selvam
Urban Cooperative Banks (UCBs) will have to perform their own SWOT analysis which will enable them to become
efficient, effective, competitive and, above all, viable and profitable business enterprises. Needless to emphasize that UCBs are
going to emerge as an important segment of the banking sector in the
post-reforms period.
© 2008 IUP . All Rights Reserved.
PRODUCTS
Multiple Home Loans Systematic Gaps - Suggested Therapy
-- S K Bagchi
Institutional provision of home loans is a societal compulsion and, as such, is a full scale national priority of emerging
economies like India. The existing regulatory and institutional framework in India for meeting the growing needs of the people "to own
their nest" is fairly adequate and should continue. However, the recent incidents of fraudulent mortgage situations have to be dealt
with firmly.
© 2008 IUP . All Rights Reserved.
SERVICES
Cash Management Services in
Banking Industry
-- D Ramani Ravi
It is a well-known fact that the present day world is interested in efficient recycling of funds for generating more income. It
is based on the concept, `funds invested in the business should work hard to earn its money/profits and not the entrepreneur'.
It is the propensity to harness the funds, without wasting time that led to innovation of cash management service by banks.
© 2008 IUP . All Rights Reserved.
ISLAMIC BANKING
Banking in the Islamic Footprints
-- Suhel Shaik
Extremely ethical, well-regulated and useful Islamic financial planning is possible. Certainly, working in this field
effectively, with efficient corporate governance and with beneficial interaction with relevant international, regional and
national institutions, will positively help all those who want to contribute to the welfare of their community and the entire world.
© 2008 IUP . All Rights Reserved.
CASE STUDY
Customer Relationship Management in Indian Banks
-- Anand Singh
Relationship marketing is the process of building long-term, win-win relationship with the customers, distributors, dealers
and suppliers based on trust. Over time, relationship marketing promises and delivers high-quality and efficient services. It
is accomplished by strengthening economic, technical and social obligations between members of two organizations
or between the marketer and the customer. With this backdrop, the present case study identifies the extent of
Customer Relationship Management (CRM) implementation in the banks. An analysis of the impact of CRM on service quality
and customer retention has also been made.
© 2008 IUP . All Rights Reserved.
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