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Professional Banker

June'06
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Housing Finance: A Global Perspective
50
Curbing Educational Loan Defaults
50
SSI Credit: Supply-side Constraints
50
Profitability: A Big Challenge in the Reforms Process
50
Whither NBFCs?
50
Pricing of Financial Products and Services Offered by Banks
50
Bank Reform and Financing the Value Chain in Agriculture
50
Full Capital Account Convertibility: Challenges Ahead
50
RBIs Annual Policy Statement Few Surprises, Many Warnings
50
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COVER STORY

Housing Finance: A Global Perspective

- - Katuri Nageswara Rao

Housing finance has been growing globally due to many favorable factors. However, there are risks for the lenders, borrowers and the economy, which need to be efficiently managed.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

CREDIT MANAGEMENT

Curbing Educational Loan Defaults

- - Rajendra Singh

As the need of the hour is rapid expansion of supply of quality education, banks should make all possible efforts to promote educational loans by adhering to the guidelines in letter and spirit and prevent educational loans from becoming NPAs.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

CREDIT MANAGEMENT

SSI Credit: Supply-side Constraints

- - BL Chandak

The world over, it is the SMEs which play a major role in innovation, revitalization of economy and creation of new jobs. Hence, it is high time governments realized that adequate and timely availability of working capital is vital for the growth of SSI units.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

SCENARIO

Profitability: A Big Challenge in the Reforms Process

- - Ajaya Kumar Mohanty

Globalization, rising competition, strict global regulations, emerging new risks, declining interest margins, etc., are squeezing the profitability of Indian banks. In such a scenario, challenge before banks is not only to face new risks and tackle them effectively, but remain profitable also.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

SCENARIO

Whither NBFCs?

- - YG Sivaram

The report of the working group set up by the RBI to look into issues concerning regulatory convergence, regulatory arbitrage and level playing field between bank sponsored NBFCs and non-bank sponsored NBFCs was submitted in March 2006. Despite the need to look into such issues as the said group deemed fit, this article analyzes certain other issues as well.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

STRATEGY

Pricing of Financial Products and Services Offered by Banks

- - SN Ghosal

In deregulation era, banks in India have an opportunity to develop more pragmatic strategies to enhance their profit earning capabilities. Banks now enjoy the freedom to fix the prices of their products and services as there is no longer any statutory administered pricing system.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

STRATEGY

Bank Reform and Financing the Value Chain in Agriculture

- - KK Ray

The share of banks advances to allied agricultural industries is not significant while India is the second largest producer of fruits and vegetables in the world. This article views that it is high time banks understood the entire chain of value creation in farm finance and developed innovative supply chain solutions to agricultural finance.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

REGULATION

Full Capital Account Convertibility: Challenges Ahead

- - D Satish

Capital account convertibility will no doubt relate India to the rest of the world much more closely but it would also throw up some new challenges. The government should follow fiscal discipline and be doubly sure of Indias economic strength before going ahead with full capital account convertibility.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

FOCUS

RBIs Annual Policy Statement Few Surprises, Many Warnings

- - Katuri Nageswara Rao

RBI has chosen this time not to increase CRR, repo rate or bank rate. However, it has expressed concern with regard to credit quality, reliance on mega deposits, inflation and rising asset prices.

© 2006 IUP . All Rights Reserved

Article Price : Rs.50

BOOK REVIEW

European Financial Systems in the Global Economy

- - Beate Reszat

European Financial Markets and Institutions play key role in the global economy. The author brings out beautifully the historic transformation of European Financial Systems and Markets. She extensively discusses the integration of European Financial System and how it distinctly differs from other systems.

© 2005 John Wiley & Sons Ltd. All Rights Reserved. IUP holds the copyright for the Book Review.

Global Executive Summaries

  • Quantum Leap: Trading Faster than the Speed of Light
    Full Text: www.thebanker.com
  • The Costly To and Fro of Cash Flow
    Full Text: www.bai.org
  • The Crush of Compliance
    Full Text: www.bankdirector.com

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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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