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RISK
MANAGEMENT
Basel
II: Compliance and Beyond
- - BN Rao
Basel
II encourages ongoing improvements in risk measurement,
assessment and mitigation. Thus, over time, it presents
banks with an opportunity to gain competitive advantage
by allocating capital to those processes, segments and
markets that demonstrate a strong risk/return ratio.
©
2006 BN Rao. All Rights Reserved.
RISK
MANAGEMENT
Basel
II: A Tool for Bank Risk Management
- - KG Bhandari
Basel
II is aimed at not just sensitizing capital to the risks
assumed by banks but also aligning the strategies and
policies of the banks to Risk Management
©
2006 IUP . All Rights Reserved
RISK
MANAGEMENT
Retail
Credit Explosion in Indian Banking: Implications of
Basel Accord II Risk Management
- - SK Bagchi
It
is an acknowledged fact that commercial and institutional
credit portfolio which had been providing bread and
butter to the banks in India over years would slowly
give in to the mounting demands of retail segments.
Basel Accord II is a timely enabler to the transformation
process.
©
2006 IUP . All Rights Reserved
CROSS-SELLING
Cross-Selling:
Innovative Marketing Approach
- - Rajendra Singh
Cross-selling
has been acknowledged as a logical marketing approach
to expand retail segments. The purpose of cross-selling
is to reduce the customer acquisition costs, servicing,
marketing and communication costs etc., and thereby
substantially increasing spread for banks.
©
2006 IUP . All Rights Reserved
CROSS-SELLING
Cross-Selling
in Banks: The Imminent Marketing Revolution
- - Bireshwar Dasgupta
Cross-selling
is the strategy of selling additional products and/or
services to a companys existing customers. The rationale
seems obvious - an organization has invested time, effort
and money to acquire a customer, and having done the
hard work, would like to deepen its relationship.
©
2006 IUP . All Rights Reserved
TECHNOLOGY
Leveraging
Technology for Customer Relationship
- - VV Sesha Talpa Sai
Increasing
use of technology in banks could change the customer
relationship management. It can also be levered to improve
customer satisfaction.
©
2006 IUP . All Rights Reserved
TECHNOLOGY
Successful
Computerization in Banks
- - Shyam Kumar Garg
Successful
computerization plays an important role in building
the reputation and progress of the banks. Banks must
know what stakeholders, customers and officials of the
bank want to achieve from the computerization.
©
2006 IUP . All Rights Reserved
TECHNOLOGY
ATM:
Potential Vehicle of E-Banking
- - C Rama Gopal
ATMs
could be the best way to teach E-Banking to customers
at minimal cost. It would help banks to reduce the cost
and offer hassle-free services.
©
2006 IUP . All Rights Reserved
MICROFINANCE
AND RURAL CREDIT
Rural
Banking: An Opportunity for Growth
- - Saugata Bhattacharya
The
National Sample Survey (NSS) estimates that 49% of rural
households are indebted. Therefore, it is time to address
the credit needs of rural India. This article calls
for new approaches to change the present scenario.
©
2006 IUP . All Rights Reserved
MICROFINANCE
AND RURAL CREDIT
Microfinance
Institutions: Delivery Models
- - P Dinakara Rao and Swapna Chimanchodkar
Institutions
that wish to take advantage of the opportunities in
microfinance should carefully evaluate the various considerations,
specifically their own vision, mission and objectives,
the potential market size, competition from other formal/informal
MF agencies, the regulatory environment, and the availability
of infrastructure and systems. This article provides
details of various delivery models and their risk levels.
©
2006 IUP . All Rights Reserved
CUSTOMER
SERVICE
Basel
II Imperatives vis-à-vis Changing Trends in Customer
Profile
- - PS Krishna Prasad
Basel
II focuses on risk-based categorization of customers.
This helps the banks to keep healthy customers. It will
surely change the customers profile in the near future.
©
2006 IUP . All Rights Reserved
CUSTOMER
SERVICE
Measurement
of Customer Satisfaction: Need of the Hour
- - A Lakshminarasimha and S Murali
Banks
are not only providing new products and services but
also customized services in some cases. But, they should
also measure their customers satisfaction. The article
suggests the use of a Service Quality measurement instrument
- SERVQUAL.
©
2006 IUP . All Rights Reserved
HRM
HRM
Issues in Banks
- - BR Parthasarthi
For
enduring growth of a bank, HR manager should resolve
various issues to retain good and efficient workers.
©
2006 IUP . All Rights Reserved
HRM
Measuring
Relative Efficiency of Financial Institutions
- - Dilip Dasgupta
Just
as banks can be objectively ranked in ascending or descending
order of relative efficiency, the performance of different
branches of the same bank can be similarly appraised
and ranked. It is, therefore, possible to develop and
customize a DEA model to suit the specific needs of
individual banks.
©
2006 IUP . All Rights Reserved
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