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Portfolio Organizer

June '08

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Inflation : A Global Concern

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Escalating Inflation

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Dipping Dollar

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Volatility Index :The New Asset Class

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Humpty Dumpty Had a Great Fall : A Tumble of Stock Market

Details

Humpty Dumpty Had a Great Fall : A Tumble of Stock Market

Details

Real Estate Mutual Funds : An Indian Perspective

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Carbon Trading : An Overview

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COVER STORY

Inflation : A Global Concern
-- VDMV Lakshmi

The author feels that the current inflation is mainly due to significant increase in the prices of food commodities and oil products. The author brings out the short-term factors contributing to rise in prices.

Article Price : Rs.50

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COVER STORY

Escalating Inflation
-- KLN Rao, Gunjan Bansal, Neha Gupta

India's inflation has accelerated to a 44-month high of nearly 8%, giving a rude shock to the government. This article features the RBI and government policies to offset the inflation.

Article Price : Rs.50

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ECONOMY

Dipping Dollar
-- Surjit Mohapatra

Most of the Asian currencies have witnessed an appreciation against the US dollar. Exchange rate is an important determinant of economic growth. A right kind of exchange rate policy helps in increasing exports and curbing imports to augment growth rate. This article discusses the related issues.

Article Price : Rs.50

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EQUITY MARKET

Volatility Index :The New Asset Class
-- P Krishna Prasanna

The introduction of Volatility Index will make volatility an asset to the investor's portfolio. Investors now can hedge their portfolios against volatilities with offsetting position in the futures or options contracts.

Article Price : Rs.50

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EQUITY MARKET

Humpty Dumpty Had a Great Fall : A Tumble of Stock Market
-- Manju Gupta and Mona Kawatra

If investors thought that the stock market would go up, the fears of slow down in the market and the rise in inflation brought the stock market down. This article details the recent fall of the stock market.

Article Price : Rs.50

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MUTUAL FUNDS

Mutual Funds : Boon or Bane?
-- S Subadra

In India, investment in mutual funds was earlier restricted to the urban cities. But, now the Indian mutual fund industry has expanded its operations to the rural India. This article focuses on the reasons behind this expansion.

Article Price : Rs.50

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REITS

Real Estate Mutual Funds : An Indian Perspective
-- Ashish Garg and Neeru Gupta

The Sebi's proposal to introduce Real Estate Mutual Fund will certainly increase the flow of investment. But this requires clarification on issues like the kind of framework and the trading mechanism.

Article Price : Rs.50

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COMMODITY MARKETS

Carbon Trading : An Overview
-- Jayanta Kumar Seal

The Kyoto Protocol has given birth to a new market called carbon credits and emission trading. Carbon credit futures are now traded on MCX and NCDEX in India. While the prices are lucrative, the success depends on the physical delivery mechanism of Certified Emission Reductions (CERs) being traded on the exchanges.

Article Price : Rs.50

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Global Executive Summaries

ETFs Evolve - For Better or Worse?
Full Text: www.knowledge.wharton
US Recession Probable, But Shallow
Full Text: www.uk.reuters.com
Clearing the Fog: Credit Derivatives Continue to Boom, But the Old Order is under Threat
Full Text: www.economist.com
Hedge Funds Find Silver Lining in Debt Gloom
Full Text: www.ft.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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