| COVER
STORY Inflation
Concerns
- - Katuri Nageswara Rao and Karanamu Raghupathi Rao Inflation
in India is rising and RBI fears overheating; therefore it calls for supply side
management. The Finance Minister dubs the rise as a monetary phenomenon and a
result of base effect. However, discerning critics call for agrarian reforms.
© 2007 IUP . All Rights Reserved
CASE
IN FOCUS HDFC
Bank : Fostering Relationships through Private Banking
- - G Sushuma From
the time of its inception, HDFC Bank aims to satisfy the financial needs of the
customers under one roof. High quality service, novel products and implementation
of the latest technologies have made HDFC Bank the leader among the top three
in almost all areas they deal with. HDFC Bank provides investment management and
advisory services to high net worth individuals and large companies.
© 2007 IUP . All Rights Reserved
CREDIT
MANAGEMENT Relevance
of Credit Bureaus to the Financial Institutions
- - Manoj Kumar Joshi Obtaining
credit has become a way of life all over the world. For the banks and financial
institutions, credit bureaus act as indispensable sources of prospective customer's
credit history thereby helping in effective decision-making and prevention of
frauds.
© 2007 IUP . All Rights Reserved
SCENARIO
Indian
Banking is Roaring
- - S N Ghosal
That
the Indian banking is virtually roaring is no longer a myth. This is evident from
the fact that almost all banks in their recent financial statements have revealed
a very strong growth without taking advantage of any income arising from the investment
in government securities as has happened in the earlier years due to declining
trend in interest rates and consequent impact on security prices. The statements
also reveal that their interest income is growing in a robust manner and fee income
is also showing a healthy trend.
© 2007 IUP . All Rights Reserved
SCENARIO
Knowledge
Management Officers and their Role in Banks
- - Reena Ray Knowledge
Management Officers in banks should be the link between the Human Capital Management
Officers and Inventory (assets-loans and investments; deposits and other liabilities
as well as other inventory i.e., technology and valuable information, market indices
etc), Management Officers and Organizational goals.
© 2007 IUP . All Rights Reserved
MARKETING
Market
Segmentation : A Successful Marketing Approach of Banks
- - A V Bala Krishna
With
the ongoing reforms in the Indian financial sector and the plethora of new developments
taking place in the global financial markets, the Indian banking industry has
a point to prove in serving different segments of customers.
© 2007 IUP . All Rights Reserved
STRATEGY
Productivity
and Profitability of Public Sector Banks
- - Reetu Kapoor and Payare Lal
Indian
banking system is operating in the environment of severe competition where only
efficiency can help the banks to meet the challenges of a liberalized environment.
Productivity is a vital indicator of economic performance for an economic system.
© 2007 IUP . All Rights Reserved
MICRO
FINANCE Micro
Finance Institutions and Credit Accessibility to the Poor in Karnataka
- - H R Venkatesha and R S Bharatisha Rao
The
organizations like BSS, Sangamithra, Grameena Koota, SKDRDP, and Janodaya foundation
in Karnataka have proved beyond doubt that the micro finance helps the poor not
only to increase their income level, but also act as a viable business model.
There is huge potential for micro finance to emerge as a successful model to address
the problems of unemployment, women backwardness and poverty in India.
© 2007 IUP . All Rights Reserved
FOCUS
Everything
Else can Wait, but not Agriculture
- - Katuri Nageswara Rao
While
presenting the recent budget in the Parliament, Finance Minister P Chidambaram
has claimed that for the agricultural sector, there was no dearth of funds. He
has even quoted, as follows from saint Tiruvalluar, to emphasize the importance
of the farmer: "If ploughmen keep their hands folded even sages claiming renunciation
cannot find salvation."
© 2007 IUP . All Rights Reserved
CASE
STUDY Voluntary
Retirement Scheme of SBI : An Analysis
- - Shekhar V Sawant
The
State Bank of India is the biggest commercial Bank in India. It has a unique position
in the Indian money market and is playing a significant role in the country's
economy. In the biggest ever VRS introduced in the country, the SBI board approved
the scheme for its employees to shed at least 10% of its staffers.
© 2007 IUP . All Rights Reserved | 
