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Portfolio Organizer  


April '08
Regular Features
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  • Book Review
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Articles
   
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An Analytical Assessment of the Budget 2008-09
50
FM's Sop Opera with an Eye on Elections
50
IPO Grading : An Overview of the Changing Scene
50
The Emerging Scenario of Participatory Notes
50
Measuring Mutual Fund Performance : How to Decide Which Fund to Invest in?
50
Precious Metals : Glittering All the Way
50
The Khanna Family's Retirement Blues :Part-III
50
India at Her Best Investors' Right Option
50
Analyzing Financial Performance : EVA Approach
50
The Study of Valuation Models : IT Sector
50
Basel II Norms : Impact on Business
50
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COVER STORY

An Analytical Assessment of the Budget 2008-09

-- Sanhita Sucharita

This article attempts to analyze and assess the budget 2008-09 which covers agricultural crises, fall in external demand due to rupee appreciation and global slowdown and the growing inflation.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

COVER STORY

FM's Sop Opera with an Eye on Elections

-- VDMV Lakshmi

With the country's general elections scheduled for next year, this year's budget seems to have been presented with an eye on the votes. It is referred to as a budget of social welfare or a budget of the common man.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

EQUITY MARKETS

IPO Grading : An Overview of the Changing Scene

-- Manju Gupta and Mona Kawatra

IPO grading is an additional input available from an independent rating agency to help the retail investor in his decision.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

EQUITY MARKETS

The Emerging Scenario of Participatory Notes

-- V Gangadhar and M Yadagiri

Participatory Notes (PNs) are used for investment by Foreign Institutional Investors (FIIs) through Offshore Derivative Instruments (ODIs). However, due to the notorious nature of PNs, the RBI has called the use/misuse of PNs to question time and again.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

MUTUAL FUNDS

Measuring Mutual Fund Performance : How to Decide Which Fund to Invest in?

-- Abhilashita Rao

With an increase in the number of Mutual Fund (MF) schemes, investors are finding it difficult to decide which scheme to invest in. The system of rating MF schemes ensures that an investor gets an unbiased opinion on the funds.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

COMMODITY MARKETS

Precious Metals : Glittering All the Way

-- PS Sarath Chandra

Riding on the dollar's decline, high oil prices and growing inflation jitters, precious metals have emerged as a safe haven for investors.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

PERSONAL FINANCE

The Khanna Family's Retirement Blues :Part-III

-- M Bashyakar and Mohandas J Menon

The article focuses on most frequently-asked questions by a retail investor, and the important factors she/he has to know while planning for an investment in capital markets.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

INVESTMENT CLIMATE

India at Her Best Investors' Right Option

-- Monomita Nandy and Suman Lodh

With the GDP growth rates at 8.5% and annual corporate profit growth of more than 20%, the country's business scenario seems very confident in public offerings. In spite of some disturbances, economists agree that India's economic story is still in a stable position in the medium to long-term.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

VALUATION MODELS

Analyzing Financial Performance : EVA Approach

-- B Ramachandra Reddy

EVA is the most successful parameter which is used by companies and consultants. This article focuses on theoritical aspect with live examples.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

VALUATION MODELS

The Study of Valuation Models : IT Sector

-- Abhijit Dutta

This article features valuation models and explains why the Economic Valuation Approach (EVA) is considered to be the best for shareholders and investors.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

BOOK REVIEW

Basel II Norms : Impact on Business

-- Reviewed by of Smriti Pathak Editor: Preeti Phuskele

The author captures the need for Basel II Norms and their implications in this book.

© 2008 IUP . All Rights Reserved

Article Price : Rs.50

 
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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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