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COVER STORY
Managing Assets and Liabilities
-- A K Sohani
Asset and Liability Management (ALM) can be termed as a risk management tool which addresses not only the liquidity concerns of the institution, but also other risks associated with the balance sheet management. The risk appetite of an institution can be addressed by altering the components of balance sheet by using various risk mitigating measures.
© 2008 IUP . All Rights Reserved
RISK MANAGEMENT
Central Limits and Collateral Management System for Credit Risk Management
-- T Vijay Kumar
Indian companies are coming out with healthy corporate results after a brief phase of poor performance. Most of the fear factors that were associated with the issue of IPO have disappeared today with more strident and quick action from the market regulators. In future, primary capital market will grow and contributions of non-banking corporate sector are expected to rise and make the Indian economy more stable.
© 2008 IUP . All Rights Reserved
RISK MANAGEMENT
Risk Management in Banks : An Overview
-- Prof. Dhandapani Alagiri
Banks, being highly leveraged entities, are required to put in place an efficient risk management system. While market risk, credit risk and operational risk are the three principal risks, Basel II sharply focuses on managing these risks through a suitable corporate governance structure.
© 2008 IUP . All Rights Reserved
TECHNOLOGY
Internet Banking Authentication : The Need of the Hour
-- Manoj Kumar Joshi
Internet banking has become a cost-effective and convenient means for carrying out banking transactions in the present times. However, the rise in the theft of private and confidential customer data through a variety of software and hardware techniques has necessitated reliable authentication of data. Banks have the responsibility of educating the customers and also making adequate budgetary provisions for the upgradation of the security aspects of Internet banking.
© 2008 IUP . All Rights Reserved
CUSTOMER SERVICE
Efficient Database and Customer Satisfaction
-- A Santosh Kumari and S Narasaiah
The article outlines the significance of the customer data available in the database of the banks. It discusses how such data, if used productively, can lead to a better customer satisfaction.
© 2008 IUP . All Rights Reserved
CUSTOMER SERVICE
Banking : Focus on Common Man
-- Dr. R Tamilarasan
The article emphasizes that technology-enabled relationships are only a substitute for the human-enabled relationships. In other words, the success of technology-enabled relationships depends on the basic human relationships, i.e., what we develop with our customers who really matter in our business.
© 2008 IUP . All Rights Reserved
STRATEGY
Business Intelligence as a Cross-selling Tool in Banks
-- Prof. Rajasree Nandi
The aim of this article is to understand cross-selling from the bank's point of view. It critically analyzes different channels of cross-selling employed by the banks and their effects on the customers. The ill-effects of the cross-selling function forces us to look at business intelligence tools as a remedial measure. They can be used to make efficient cross-selling and up-selling in banks. It also explores `customer-managed relationship', a new dimension in customer relationship management.
© 2008 IUP . All Rights Reserved
STRATEGY
Product Innovations in Banks : Reaching Customers
-- Srujana Vari
Technology is changing the way the banks work. To compete with the emerging challenges, banks are innovating products to reach out to the customers directly. This article throws light on the different delivery channels employed by the banks to satisfy their customers. It also briefly discusses the pros and cons of product innovations and recent guidelines by the Reserve Bank of India on ATMs and credit card payments.
© 2008 IUP . All Rights Reserved
RETAIL CREDIT
Consumer Finance Boom in India : Dimensions, Key Issues and Success Factors
-- P Sreelakshmi and Niranjan Shetty
Consumer finance has immense potential and is a highly remunerative and bankable activity, especially in an environment of falling interest rate. However, there are issues like credit bureau mechanism, tie-ups with suppliers, product innovation and consumer protection.
© 2008 IUP . All Rights Reserved
SCENARIO
Indian Banking : Then..and..Now
-- R Vijayaraghavan
The Indian banking industry has undergone a sea change. During the initial years, it witnessed bank failures, security-oriented learning and less of social commitment. In the post-reform period, it has witnessed growth and stability through online banking revolution and customer-centric service through superior technology.
© 2008 IUP . All Rights Reserved
SCENARIO
Role of Banking Industry in Indian Primary Capital Market
-- Dr. Ram Niwas and Dr. J S Yadav
With increasing deregulation and liberalization of economic policies coupled with expanding technology and fierce competition (both domestic and international), the Indian financial scenario is undergoing a drastic metamorphosis. The capital market has been strengthened and financing options have widened. As a result, no participant can afford to be inward-looking. The multinationals' entry and the foreign capital inflow into Indian corporate sector are changing the scenario.
© 2008 IUP . All Rights Reserved
SOCIAL BANKING
Rural Banking : Opportunities are Immense, Just Go and Encash it
-- Reena Ray
If throughout the globe everybody has started talking about India as the land of endless opportunities, it is particularly true about the rural India. Companies, MNCs, domestic entrepreneurs, banking and non-banking sectors - whoever wants to grow and expand, can no more afford to ignore rural population and rural India.
© 2008 IUP . All Rights Reserved
CASE STUDY
Customers' Perception of Atm Services : A Comparative Analysis
-- N Sakthivel
In today's techno-based banking, the ATM has become indispensible. To ensure that the services of bank are properly carried out, the socioeconomic characteristics of the customers have to be studied. This will enable banks to stay connected with the customers, especially in rural areas.
© 2008 IUP . All Rights Reserved
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