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Finance
Treasury Management
August '04
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Article
CMP vs The Budget, 2004
50.00
The Algebra of Education Union Budget 2004-05
50.00
Budget 2004-05 Impact on the Services Sector
50.00
Budget 2004-05 Revitalizing the Industry
50.00
FDI Limits Capping in Figures
50.00
FII Investments The Movers and Shakers of Indian Markets
50.00
The Other Side of Budget
50.00
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BUDGET2004-05

CMP vs The Budget, 2004

-- Arup Ghosh

The budget is a reflection of economic policy. Corporate, FIIs, FIs, foreign governments wait eagerly for this mega statement. It is also a harbinger of hope or despair for individuals and industry. The Finance Minister has portrayed the budget as "fully faithful to the CMP" and tried to balance the CMP objectives with the budget proposal. This article tries to read the fine print as to how much of the CMP proposals articulated in the budget are achievable.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

BUDGET2004-05

The Algebra of Education Union Budget 2004-05

-- G Alivelu

In a country like India, the primary education plays an important role in shaping the citizens and society. The Government of India has spent crores of rupees every year for developing the educational infrastructure in the country. But the real question is, whether the money is going in to the right hand and the expenditures are funded in a productive way. This article analyzes the status of fund allocation to education system in India in the light of union budget 2004-05.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

BUDGET2004-05

Budget 2004-05 Impact on the Services Sector

-- Amit Singh Sisodiya

Even though the budget has shown major concentration on agricultural and rural sectors, there is some good news for service sectors like insurance, telecom and aviation. But it is not cheerful for banking and financial services. The inclusion of more services in the purview of service tax is also a blow to the service sector. This article attempts to examine the positive and the negative impact of budget proposals in the service sector.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

BUDGET2004-05

Budget 2004-05 Revitalizing the Industry

-- N Janardhan Rao

This budget seems to be a step in the right direction as it promises to take the reform process to the next level and maintain the growth momentum. The budget has appropriately addressed the concerns of the rural and social sectors. These benefits will definitely increase the disposable income of rural population and thereby an increase in demand in the economy. An extended economy and increased purchasing power will certainly create an impact on industry and the services.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

BUDGET2004-05

Budget 2004-05 Taxing Issues

-- Sanjeev Kumar

In the budget 2004-05, the Finance Minister has announced several tax reforms in the country. However, as the Finance Minister tries to give benefit to all classes of people, there is a big argument relating to the principle of direct and indirect taxation. This article aims to give an array of amendments in the tax laws which have been made in the budget proposals and their positive and negative effects on the various classes of people, industry and economy.

© 2004 IUP. All Rights Reserved.

BUDGET2004-05

FDI Limits Capping in Figures

-- A Srujan

The present level of investments in the Telecommunications, Civil Aviation and Insurance Sectors are insufficient to achieve the targeted growth in these sectors and they need capital for their infrastructure development. The budget proposal to hike the FDI cap limit came as a relief to them. This article attempts to examine the role of FDI and implications of such hike to the respective industries. It also analyzes the importance of FDI in economic reforms and its impact on the overall economic growth of the country.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

BUDGET2004-05

FII Investments The Movers and Shakers of Indian Markets

-- T Jyotsna

Union Budget 2004-05 has proposed a series of measures to attract the Foreign Institutional Investors (FIIs), including the FDI hike in some service sectors. In Indian equity and debt market, the role of FIIs is imperative in terms of portfolio flows. As far as the FIIs are concerned, India is an attractive place to deploy their fund profitably. But the question remains how far the FIIs are satisfied with the budget proposals announced by the Finance Minister.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

BUDGET2004-05

The Other Side of Budget

-- Arindam Banerjee

The union budget 2004-05 was able to generate a lot of hopes in the minds of the common men. With the primary focus areas being education, agriculture and rural development, it promises to keep its tenets of the CMP. But, has the budget really been farmer-friendly? That's the question. Digging a little deep into the statistical figures reveal a different picture. The article addresses the other side of the budget.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

 
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  • New Rules of Capital Adequacy

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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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