A Premier Public Sector Bank
|
|
- Andrea Caitlin Griffin
- 8 years ago
- Views:
Transcription
1 Sector Bank Performance highlights for the Quarter/ Nine months ended 31 st December, Performance highlights of the Bank for the 9 months ended : Parameter FY (9Months) FY (9Months) [Rs. in crore] Growth Business 3,27,654 3,40, % Deposits 1,87,707 1,97, % Credit 1,39,947 1,42, % Cost of Deposits 8.05% 7.57% Saving Bank Deposits 24,451 27, % CASA 35,144 39, % CASA Share 18.72% 19.75% NIM 2.01% 2.12% Operating profit % Non Interest Income % Interest Income 14,675 14, % Total Income 15,654 15, % Net Interest Income 2,956 3, % Net Profit % No. of Branches 2,198 2, No. of ATMs 2,821 3, ATM transaction fees % Provision coverage ratio 52.47% 56.40% Net worth % Bulk to total Deposits 51.61% 47.75% Business as at stood at Rs.3,40,199 Crore, recording an increase of Rs.12,545 Crores (growth rate of 3.83%)over the corresponding figure of previous year. A Premier Public Sector Bank Deposits as at stood at Rs.1,97,738 Crore registering a growth of Rs.10,031 Crores, (5.34%) over the corresponding figure of previous year. Credit portfolio as at improved by Rs.2,514 Crores, to reach Rs.1,42,461 Crore recording a growth of 1.80% over Cost of deposits of the Bank for the 9 months ended has declined to 7.57% from 8.05% for the corresponding figure of previous year.
2 Saving bank deposit recorded a growth of 14.30% over to reach Rs.27,947 Crore as at CASA deposit improved from Rs.35,144 Crore as at to Rs.39,048 Crore as at , recording a growth of 11.11%. Share of CASA improved from 18.72% to 19.75% during the above period. NIM improved to 2.12% as at from 2.01% as at Operating Profit as at stood at Rs.2,370 Crore registering a growth of 14.94% over Non-Interest income registered a growth of 27.78% over Dec 2014 to reach Rs.1,251 crore as at Provision coverage ratio of the Bank as at improved to 56.40% as against 52.47% as on Net worth of the Bank has improved to Rs.12, Crore as at , from Rs.10, Crore as at registering growth rate of 14.90%. Share of bulk to total deposits has come down from 51.61% as at to 47.75% as at Performance highlights of the Bank Dec. 15 [Q3] over Dec.14 [Q3]: [Rs. in crore] As at As at Parameter [Q3] (3 Months) [Q3] (3 Months) Growth Business 3,27,655 3,40, % Deposits 1,87,707 1,97, % Credit 1,39,947 1,42, % Cost of Deposits 7.96% 7.34% 0.62% Operating Profit % Net Profit % Interest Income 4,881 4, % Net Interest Income 1,029 1, % Total Income 5,210 5, % Net Interest Margin [NIM] 2.09% 1.94% Cost to Income ratio 46.67% 50.92% 2 P a g e
3 CAPITAL INFUSION During the first 9 months of the current FY , Government of India and LIC have infused Rs.857 Crore and Rs.143 Crore respectively by way of equity which has strengthened the Networth of the Bank. Networth of the Bank as at stood at Rs.12, Crore increased from Rs.10, Crore as at BUSINESS Total Business of the Bank reached to the level of Rs.3,40,199 Crore as on as against Rs.3,27,654 Crore in , showing a y-o-y growth of 3.83%. Deposits of the Bank increased to Rs.1,97,738 Crore as on from Rs.1,87,707 Crore as on , exhibiting a y-o-y growth of 5.34%. Advances of the Bank stood at Rs.1,42,461 Crore at the end of December'15 and grew by 1.80% as against Rs.139,947 Crore at the end of December'14. Saving deposits increased by 14.30% on y-o-y basis to reach a level of Rs.27,947 Crore as against Rs.24,451 Crore of corresponding period in previous year. PROFIT Operating Profit for December 2015 [9M] stood at Rs.2, Crore as against Rs.2, Crore as on December 2014 [9M] with a growth rate of 14.94%. INCOME / EXPENDITURE Total Income during 9 months period ending reached to the level of Rs.15,928 Crore as against Rs.15,654 Crore over corresponding previous year with a growth rate of 1.75%. 3 P a g e
4 Net Interest income for 9 months period ending stood at Rs.3, Crore with a growth rate of 9.90% as against Rs Crores as on Non-Interest Income during 9 Months period ending Dec-2015 stood at Rs.1251 Crore with a growth rate of 27.81% as against Rs.979 crore as on Income from ATM transactions fee on Y-o-Y basis has recorded a growth rate of 34.44%. The income for ATM transactions fees for December 2015 [9M] stood at Rs crore as against Rs crore for December-2014 [9M]. Due to sustained efforts the Bank was able to control and reduce the cost of deposits. Hence, the interest expense on deposits was lower by Rs crore (-2.76%) over 9 Months period of corresponding Previous year. Similarly, the Bank has also undertaken many measures to control the operating cost which has started yielding results. Total expenses for December 2015 [9M] reduced to a level of Rs.13,558 Crore from Rs.13,592 Crore as at December 2014 [9M], thereby reduction of Rs Cr. (-0.25%) IMPORTANT RATIOS For the 9 Months period ending as on , Cost of Deposits reduced to 7.57% as compared to 8.05% for the preceding 9 months ending [Y-o-Y basis]. Provision Coverage Ratio improved to 56.40% as at from 52.47% as at Gross NPA ratio is at 7.32% and Net NPA ratio stood at 4.84% as on CRAR of the Bank as on under BASEL III at 11.49%. 4 P a g e
5 PRIORITY SECTOR Total Priority Sector Advances stood at Rs.65,858 Crore as on The share of priority sector advances to Adjusted Net Bank Credit (ANBC) stood at 41.74% surpassing the regulatory target of 40%. Outstanding Agricultural advances reached the level of Rs.25,439 crore as at as against Rs.18,749 crore as on with a growth rate of 35.68%. Share of Total Agricultural Advances to ANBC stood at 16.12%. The lending to SF/MF stood at Rs crores (7.11 % of ANBC) surpassing the stipulated level of 7 %. Share of Weaker Section advances to Adjusted Net Bank Credit stood at %. The bank has surpassed the regulatory target of 10%. Share of Women entrepreneurs to Adjusted Net Bank Credit stood at 5.94% as against the target of 5% stipulated by RBI. Bank has introduced Kisan Mitra Credit Card a scheme to canvass Kisan Credit Card by Bank Mitras (BCs), wherein Bank Mitras have been empowered to sanction (in principle) KCC loans subject to approval by the Branch Manager. This scheme will help in improving Bank s penetration under agri. loan portfolio. MOU with Star Agri Warehousing and Collateral Management Ltd (STAR AGRI) has been renewed and fresh MOU has been executed with M/s. NCDEX E Markets Ltd (NEML), Three Ware House Service providers (WSPS) and National Bulk Handling Corporation under Corp Agriculture Produce loan. The Bank has received 3 Awards under Mid Sized Bank Category from Chamber of Indian Micro and Small & Medium Enterprises (CIMSME). RETAIL CREDIT Festival celebration offer (FCO), a promotional campaign was in operation for a period of 3 months from to with attractive interest rates and concessional processing charges. Focus on Retail lending continued during the FY The retail credit is marketed under the Brand name of Corp Schemes. The portfolio under Corp Schemes as at stood at Rs.26,107 crore as against Rs.23,522 crore during the corresponding period previous year with a growth rate of 11.00%. 5 P a g e
6 MICRO, SMALL & MEDIUM ENTERPRISES The MSME advances of the Bank as on stood at Rs.26,880 Cr.as against Rs.24,347 Cr.as on , thereby registered a growth rate of 10%. Advances granted to Micro enterprises stood at Rs. 10,337 Crore as on , constituting 6.55 % of ANBC. Bank has achieved % of annual disbursement target for MUDRA loans under Pradhan Mantri MUDRA Yojana [PMMY]. An amount of Rs crore is disbursed to 1.41 lakhs of beneficiaries under PMMY during the current year MUDRA cards have been issued for the working capital limits under PMMY with a sanctioned limit of Rs crore. FINANCIAL INCLUSION All 1880 villages allotted to our Bank as per Financial Inclusion Plan has been covered by providing banking infrastructure under Financial Inclusion. As a part of Financial Inclusion, bank has actively participated in implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) and all the social security schemes introduced by Government of India. Under PMJDY, the Bank has opened accounts of all households in the allotted villages and wards. Till , Bank has opened lakh accounts and mobilized an amount of Rs Cr in these accounts. Out of the above, 22.78% of the accounts are zero balance accounts against the national average of 31.81%. Average balance in the non-zero balance accounts is Rs.3364/- which is one of the highest (National average is Rs.2161/-). Issued Rupay debit cards to 98% of the account holders and passbook to 90% of the account holders. Aadhaar number has been seeded in 61% of the PMJDY accounts, which is one of the best. SMS alerts are being sent to the customers for DBT/DBTL transactions. 6 P a g e
7 Fixed point Bank Mitras have been engaged at all SSAs where bank branches are not opened. 90% of Bank Mitras are active and carry out daily transactions. Bank has formulated attractive remuneration package to Bank Mitras and hence the attrition of Bank Mitra is one of the lowest. Average transaction per Bank Mitra per month is 302, which is one of the best. A separate incentive scheme has been formulated for Bank Mitras to get zero balance account funded (i.e Rs.2000/- for getting funded in 200 zero balance accounts and Rs.1000/- for each additional 100 accounts). Empowered Bank Mitras to sanction (in principle) Kisan Mitra Credit Card loans upto Rs.1 lakh, subject to approval by the Branch Manager. Financial literacy and training are being imparted to the Bank Mitras periodically to ensure updating their knowledge on banking products and other schemes. DELIVERY CHANNELS As at the Bank's ATM network reached to the level of As of the Bank has installed 70,597 POS Machines (including Mobiles POS Machines) at various merchant establishments. During the quarter the bank has added 43 KIOSK outlets, whole self service Off-site counters, taking total number to 205. No of debit cards issued reached to the level of lakhs as at The Bank has received two runner-up awards for National Financial Switch for its performance in acquirer transactions and immediate payment service. (IMPS). The Bank has also received the winner award jointly with Indian Bank for Cheque Truncation System. BRANCH NETWORK-PAN INDIA PRESENCE Bank has a pan India presence with wide network of 2399 branches. During the calendar year i.e, from to , the Bank opened 215 Branches. 7 P a g e
8 INTERNATIONAL FORAYS Corporation Bank has two representative offices in Dubai and Hong kong. BANCASSURANCE / SOCIAL SECURITY SCHEMES: In terms of The Department of Financial Services, Ministry of Finance, Govt. of India instructions, our Bank rolled out Pradhan Mantri Jeevan Jyothi Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY), from 1st June, Performance under these schemes are as under: Scheme No. of enrollment PMJJBY PMSBY APY TOTAL Bank has reached a level of lakhs Basic Saving Bank Deposit Accounts (BSBDA) with a balance of Rs crore as at The Bank maintained No.1 Position in LIC Premium mobilization amongst channel partners of LIC. The bank has earned an income of Rs lacs from life insurance business for the period ended against Rs lakhs during the same quarter for the previous year. Under General Insurance business, Bank has mobilsed premium of Rs lakhs and earned Non-Interest income of Rs lakhs. MANPOWER PLANNING In order to improve Talent Management and leadership development strategies, Performing employees with good potential and ability to succeed in higher level of jobs will be identified and groomed by way of personal development plan, consisting of external/internal learning, stretch assignments, rotation, coaching & mentoring etc., 8 P a g e
9 During the FY , training has been provided to around 8246 employees on various fields. Credit Programmes, Behavioural and Induction programmes had a major share of the trainees among the other trainings. NEW INITIATIVES Our Bank is one of the front runners in providing robust, Standardization Testing Quality Certificate (STQC) certified, version compliant Micro ATMs to all the Bank Mitra. These Micro ATMs are interoperable, capable of carrying out Aadhaar Enabled Payment System (AEPS) transactions, pin based Rupay card transactions. AEPS off-us (interbank) transactions are also being carried out in our Micro ATMs. New CBS platform Finacle has been introduced in newly opened branches at Kottara, Mangalore successfully. The Bank has identified further 50 pilot branches have been aligned for migration to the New CBS platform. In the Intranet Banking portal, authentication by using digital signature for high-value transactions has been introduced. In order to improve operational efficiency besides reducing expenses on power and as a part of green initiatives, Bank intends to implement solar generation for its offices, Branches, ATM premises. Solar power generation will be taken up at about 1200 identified locations. CSR & EMPOWERMENT INTIATIVES The Corporation Bank Economic Development Foundation (CBEDF) a non-profit economic Trust has been pursuing its objectives of fulfilling social obligation in tune with corporate mission. All CSR activities of the Bank are conducted under the aegis of CBEDF. Financial grants to the extent of Rs. 331 lakhs were disbursed for execution of various projects of social concerns till during the year through CBDEF. Amongst others, CBEDF implemented following major CSR projects during FY CorpKiran Project of CBEDF For the welfare of underprivileged, through CorpKiran, Bank has initiated several welfare activities through various Institutions. The major activities included providing food, books, computers, water purifier etc., to poor school children and inmates of orphanages, old age homes, destitute homes, helping physically and mentally challenged people, participation in Road Safety week at Mangalore. Out of the 78 9 P a g e
10 activities conducted under this scheme, 8 Government Schools were sanctioned with a financial grant to purchase computers, LCD TV and multimedia projectors to equip them with modern technology. Around 10 old age homes and destitute homes are provided with daily needs like, grocery, blankets, ceiling fans, etc. Sanitation activities like construction of toilet blocks for girls in the Government Schools was also carried out under Corp Kiran. Other activities under the project include assisting blood banks in conducting blood donation camps, donation of blood weighing scale to the blood banks, etc. Corporation Bank Self Employment Training Institutes [COBSETI] COBSET Institutes at Chikmagalur and Kudige in Kodagu district are regularly conducting training programmes to train the rural un-employed youth of these two districts. During FY , 1399 candidates have been trained in various skill based activities like, Dairy, Computer hardware and networking, beautician courses, etc. The settlement rate of the candidates trained by these institutes is nearly 80% till December The programmes conducted at the institute are compulsorily residential and free of cost. Both the Institutes have so far trained about unemployed youths in various skills from inception with a settlement rate nearing 80%. During the grading exercise for the FY by MoRD, COBSETI- Chikmagalur secured AA and COBSETI- Kudige secured A grade for their performance. Gramina Abhyudaya Financial Literacy Trust [GAFL Trust] GAFL Trust sponsored by the Bank is regularly conducting financial literacy camps at various places through Financial Literacy Centres [FLCs]. These Centres (23 Nos) educate people about the usefulness of the Bank account for all their economic needs and empowerment. The Centres also guide the common people for enrolment under various Social Security Schemes of Government of India. During April- December , the Trust conducted 747 Financial Literacy Camps at schools, colleges, other institutions and SHGs, involving persons. SHG formation The Bank has promoted new Self Help Groups (SHGs) in Hassan, Mandya, Belgaum, Tumkur & Ramanagara districts of Karnataka during April December Through this major initiative, Bank has ensured that the members of groups have access to banking facilities including deposits and loans. Swachh Vidyala Campaign Bank successfully completed renovation of 114 dysfunctional toilets in 53 schools across the country under Swachh Vidyala Campaign as directed by MoHRD, GOI. The prompt completion of the project in time has been appreciated by the Ministry. 10 P a g e
11 NEW PRODUCTS Pradhan Mantri Awas Yojana (PMAY) a new housing loan scheme for the urban poor has been introduced. A new product Corp Home Smart a variant of housing loan scheme with running account facility has been introduced which gives added comfort of interest saving and liquidity. Retail Loan Basket, a unique incentive scheme to existing customers has been introduced where in interest concession of 0.25% is offered under select Corp Schemes. Two new payroll variants namely Corp Pay Elite & Corp Pay Delite has been launched exclusively for Government Employees with free accidental insurance as well as free term life insurance facility. Bank has unveiled the Corp Bullion Plus scheme for selling gold. Under this scheme, the gold will be sold to jewellery traders and manufacturers at market driven prices for both domestic and export purposes. With a view to contain hard core NPA in small value accounts with balance upto Rs lakhs, the Bank has launched New Special OTS Scheme named Corp-Riyayati- III. 11 P a g e
12 Awards & Accolades Corporation Bank has won 3 BEST SOCIAL BANK EXCELLENCE AWARD 2015 in the Mid Sized Bank category namely: 1. Best Social Bank 2. Best Rural Bank 3. Best Bank for participation in Government Schemeinstituted by The Associated Chambers of Commerce & Industry of India (ASSOCHAM). The Awards were received by Chairman & Managing Director of the Bank from Shri Jayant Sinha, Hon ble Minster of State for Finance, Govt. of India at 11th Annual Banking Summit held at Mumbai. Corporation Bank has bagged MSME Banking Excellence Awards-2015 instituted by Chamber of Indian Micro and Small & Medium Enterprises.[CIMSME]. The Bank has won three awards under Mid Sized Bank category namely: A] Best MSME Bank Award- Winner. B] CSR & Business Responsibility Award - Runner Up. C] Best Bank Award under MUDRA Yojna - Runner Up. The Awards were received by Chairman & Managing Director of the Bank from Shri. Piyush Goyal, Hon ble Ministerof state with independent charge for Power, Coal, New & Renewable Energy, Govt. of India. 12 P a g e
13 Dec 14 [Q3] Financial Indicators Quarterly Results Dec 15 [Q3] [Rs. in crore] Financial year Results Growth Q3/Q3 Dec 14 Dec 15 Growth 9M/9M Abs. % [9M] [9M] Abs. % Operating Profit % 2, , % Net Profit % % Total Income 5, , % 15, , % Interest Income 4, , % 14, , % Net Interest Income 1, , % 2, , % Non-Interest Income from Core Areas % % As at : Growth Abs Dec 15/Dec14 Growth % Dec 15/Dec 14 Total Business 3,27, ,427 3,46,801 3,40,199 12, % Deposits 1,87, ,102 2,04,228 1,97,738 10, % Average Deposits 1,84, ,506 1,91,380 1,90,824 6, % Net Advances 1,39, ,325 1,42,572 1,42,461 2, % Average Advances 1,32, ,600 1,39,864 1,40,672 7, % Investments 53,257 52,374 57,738 55,661 2, % Average Investments [Excluding RIDF,Shares, Bonds,VCF & MF investments] CRAR- Under Basel II 53, % 54, % 54, % 55, % 1, % Tier I 8.09% 8.41% 8.70% 8.48% Tier II 3.66% 3.50% 3.58% 3.59% CRAR - Under Basel III 11.26% 11.28% 11.89% 11.49% Tier I 7.90% 8.18% 8.70% 8.27% Tier II 3.36% 3.10% 3.19% 3.22% Net Worth 10,592 10,689 12,422 12,170 1, % Gross NPAs 4.88% 5.43% 5.32% 7.32% (as % to gross advances) Absolute 6,932 7,765 7,729 10,707 Net NPAs 3.27% 3.55% 3.54% 4.84% (as % to net advances) Absolute 3, ,984 5,047 6, P a g e
Total Business at 8.08 lakh crore Net Profit for Q2 at 529 crore
PRESS RELEASE Total Business at 8.08 lakh crore Net Profit for Q2 at 529 crore Head Office November 04, 2015 Major Highlights Q2FY16 Net profit for Q2FY16 at Rs.529 crore, up by 10.44% sequentially. Gross
More informationPRADHAN MANTRI JAN-DHAN YOJANA (PMJDY) - Frequently Asked Questions (FAQs)
PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY) - Frequently Asked Questions (FAQs) Q. 1. What is Pradhan Mantri Jan-Dhan Yojana? Ans. Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion
More informationFinancial Results Q3 & 9M FY 2015-16. February 11, 2016
Financial Results Q3 & 9M FY 2015-16 February 11, 2016 Digital Initiatives DigiPurse is a mobile wallet that enables the users to preload a certain amount in the wallet and spend the amount for various
More informationPRADHAN MANTRI JAN-DHAN YOJANA (PMJDY) Frequently Asked Questions (FAQs)
PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY) Frequently Asked Questions (FAQs) Q. 1. What is Pradhan Mantri Jan-Dhan Yojana? Ans. Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion
More informationPresentation on Financial Performance for the Quarter/9M December 2015
Presentation on Financial Performance for the Quarter/9M December 2015 1 Key Business figures-dec 15 Global Business increased by 11.2% to Rs. 941468 Cr. Global Deposits increased by 13.3% to Rs. 548531
More informationFAQs on Prime Minister Jan Dhan Yojana
FAQs on Prime Minister Jan Dhan Yojana Q. What is Financial Inclusion? Financial Inclusion is the process of ensuring access to mainstream financial services and timely and adequate credit to all excluded
More informationHighlights Business Cross Section Domestic CASA Domestic Advances Retail Credit Components. 9 Months. Key Parameters Quarterly
Sl. No. Areas of Presentation Slide No Sl. No. Areas of Presentation Slide No 13 Financial 9 Months 14 Key Parameters Quarterly 24 15 Capital Adequacy (Basel III) 25 9 16 Earnings Per share, Book Value
More informationSpeech of The Chairperson and Managing Director Mrs. V. R. Iyer Delivered At The 18 th Annual General Meeting of Bank of India Held On 10.07.
Speech of The Chairperson and Managing Director Mrs. V. R. Iyer Delivered At The 18 th Annual General Meeting of Bank of India Held On 10.07.2014 --------------------------------------------------------------------------------
More informationSuccess Story. Operationalising Zero Balance Accounts
BACKGROUND Financial Inclusion Division, PC&FI Wing, Head office, Bengaluru Success Story Operationalising Zero Balance Accounts Canara Bank has been the leader in implementation of Financial Inclusion
More informationHighlights of Bank s Performance during QE Sep'2015
2 The macro picture the economic outlook is far from stable with the expansion in factory output growth slowing down yet again in September and the Consumer Price Index rising for the third straight month
More informationभ रत य ज वन ब म ननगम
भ रत य ज वन ब म ननगम LIFE INSURANCE CORPORATION OF INDIA प रध न म त र जन धन य जन क तहत जन-धन ख़ त ध रक क ल य र.30,000/- क ज वन ब म स रक ष क द व ननपट र ह त प रक र य PRADHAN MANTRI JAN DHAN YOJANA (PMJDY)
More informationSchemes for Financing Micro, Small and Medium Enterprises
Schemes for Financing Micro, Small and Medium Enterprises Background The Small Scale Industries Sector, redefined since 2006 as the Micro Small and Medium Enterprises Sector has played a seminal role in
More informationi) Revised Rate of Interest structure for MSE advances w.e.f. 05.10.2015: a. Advances to Micro & Small Enterprises covered under CGTMSE
Interest Rates linked to Base Rate: 1. Micro and Small Enterprises (MSE): i) Revised structure for MSE advances w.e.f. 05.10.2015: a. Advances to Micro & Small Enterprises covered under CGTMSE Category
More informationUnited Bank of India, Head Office: Kolkata Rate of interest Chart on various categories of loans and advances
United Bank of India, Head Office: Kolkata Rate of interest Chart on various categories of loans and advances Sl Category of Advance Rate of Interest (linked with Base rate) Base Rate=9.65% w.e.f 12.10.2015.
More informationCredit Guarantee Fund Trust for Micro and Small Entreprises (CGTMSE) Presentation on Credit Guarantee Scheme
Credit Guarantee Fund Trust for Micro and Small Entreprises (CGTMSE) Presentation on Credit Guarantee Scheme MSE as defined in MSMED Act 2006 Micro and Small Enterprises (MSE) in India MSE is governed
More informationFinancing Skill Development: Status of Model Vocational Training Loan Scheme. Priyambda Tripathi 1. Abstract
Financing Skill Development: Status of Model Vocational Training Loan Scheme Priyambda Tripathi 1 Abstract This article aims to explore the ground realities of implementation of the Vocational Training
More informationNews Release January 28, 2016. Performance Review: Quarter ended December 31, 2015
News Release January 28, 2016 Performance Review: Quarter ended December 31, 20% year-on-year growth in total domestic advances; 24% year-on-year growth in retail advances 18% year-on-year growth in current
More informationBridging the rural urban banking divide: what s been done and what needs to be.
Bridging the rural urban banking divide: what s been done and what needs to be. Thought Paper www.infosys.com/finacle Universal Banking Solution Systems Integration Consulting Business Process Outsourcing
More informationAtal Pension Yojana (APY) 1 Details of the Scheme. 1. Introduction
Atal Pension Yojana (APY) 1 Details of the Scheme 1. Introduction 1.1 The Government of India is extremely concerned about the old age income security of the working poor and is focused on encouraging
More informationFARMER S ACCESS TO AGRICULTURAL CREDIT
FARMER S ACCESS TO AGRICULTURAL CREDIT I. INTRODUCTION Agriculture is a dominant sector of our economy and credit plays an important role in increasing agriculture production. Availability and access to
More informationHousing Development Finance Corporation Limited
Housing Development Finance Corporation Limited March 2014 CONTENTS HDFC Snapshot Mortgage Market in India Operational and Financial Highlights: Mortgages Valuations and Shareholding Key Subsidiaries and
More informationSYLLABUS FOR BASIC COMPUTER COURSE (BCC)
SYLLABUS FOR BASIC COMPUTER COURSE (BCC) OBJECTIVE: The course is designed to aim at imparting a basic level appreciation programme for the common man. After completing the course the incumbent is able
More informationIndiabulls Housing Finance Limited (CIN: L65922DL2005PLC136029) Unaudited Financial Results Q1 FY 2014-15 July 24, 2014
Indiabulls Housing Finance Limited (CIN: L65922DL2005PLC136029) Unaudited Financial Results Q1 FY 2014-15 July 24, 2014 Safe Harbour Statement This document contains certain forward-looking statements
More informationISSN: 2321-7782 (Online) Volume 4, Issue 1, January 2016 International Journal of Advance Research in Computer Science and Management Studies
ISSN: 2321-7782 (Online) Volume 4, Issue 1, January 2016 International Journal of Advance Research in Computer Science and Management Studies Research Article / Survey Paper / Case Study Available online
More informationGuidelines for Cooperative banks for implementing Payment Systems along with brief outline on Procedures
Guidelines for Cooperative banks for implementing Payment Systems along with brief outline on Procedures Cooperatives which have a large presence in rural areas were kept out of sphere of financial inclusion
More informationINTERNATIONAL JOURNAL OF MANAGEMENT (IJM)
INTERNATIONAL JOURNAL OF MANAGEMENT (IJM) International Journal of Management (IJM), ISSN 0976 6502(Print), ISSN 0976 ISSN 0976-6502 (Print) ISSN 0976-6510 (Online) Volume 4, Issue 1, January- February
More informationMuthoot finance ltd. (mfl) IPO note
Muthoot finance ltd. (mfl) IPO note Issue Details Issue Date April 18, 2011 April 21, 2011 Issue Size Rs. 8.24-9.01bn Price Band Rs. 160-175 FV Rs.10 Fresh issue 51.5 mn equity shares QIB 50% Non Institutional/HNIs
More informationService Charges (applicable wef April 1 2015) 1 Minimum monthlyaverage balance requirement and monthly maintenance charges in SB accounts
Service Charges (applicable wef April 1 2015) 1 Minimum monthlyaverage balance requirement and monthly maintenance charges in SB accounts 1.1 Where a debit card has been issued (other than CUB-card) to
More informationUNRAVELLING MICRO UNIT DEVELOPMENT AND REFINANCE AGENCY (MUDRA) Prime M2i Consulting Private Limited
UNRAVELLING MICRO UNIT DEVELOPMENT AND REFINANCE AGENCY (MUDRA) ABOUT MUDRA MUDRA: A refinancing facility for supporting microenterprises Current legal status: NBFC, a wholly-owned subsidiary of SIDBI
More informationGOVERNMENT SPONSORED PROGRAMMES
GOVERNMENT SPONSORED PROGRAMMES The Government at Centre and State are implementing Programmes for alleviating poverty, providing gainful employment to various sections of the people viz. Men, women, youth
More informationMr. N. S. Kannan s opening remarks for analyst call on January 28, 2016
Mr. N. S. Kannan s opening remarks for analyst call on January 28, 2016 Good evening and welcome to the conference call on the financial results of ICICI Bank for the quarter ended December 31, 2015, that
More informationIJMT Volume 2, Issue 7 ISSN: 2249-1058
A STUDY ON CONSUMER SATISFACTION TOWARDS LIFE INSURANCE CORPORATION OF INDIA Prof.Sanjaykumar Jagannath Patil* Abstract: Life Insurance Corporation of India (LIC) is the India s largest Life Insurance
More informationPolicy for serving and lending to Micro, small and medium enterprises of India
Policy for serving and lending to Micro, small and medium enterprises of India 1. Background Worldwide, the micro small and medium enterprises (MSMEs) have been accepted as the engine of economic growth
More informationSchool Banking. An Innovative Approach for Financial Inclusion: The Case of Bangladesh
School Banking An Innovative Approach for Financial Inclusion: The Case of Bangladesh Preamble Unconventional central banking: socially responsible and environmentally sustainable inclusive financing initiatives
More informationMicro, Small and Medium Enterprises Financing in India - Issues and Concerns
Micro, Small and Medium Enterprises Financing in India - Issues and Concerns Dr. C.S. Prasad* Micro, Small and Medium enterprises (MSME) constitute the dominant form of business organisation worldwide.
More informationAnnexure II. A. Rate of Interest on Advances for Agricultural purposes: Existing (w.e.f 01.09.2015)
Annexure II A. Rate of Interest on Advances for Agricultural purposes: Sl. No. Size of the Limit / Loan Agricultural Jewel Loans: 01 Upto & inclusive of Rs. 2.00 lakhs 02 Over Rs. 2.00 lakhs and upto Rs.
More informationCREDIT RISK GUARANTEE FUND SCHEME FOR LOW INCOME HOUSING
CREDIT RISK GUARANTEE FUND SCHEME FOR LOW INCOME HOUSING BACKGROUND With the background that a) GoI decided to start a new scheme Rajiv Awas Yojana (RAY) in order to create Slum-Free India and b) EWS/LIG
More informationNews Release April 29, 2016. Performance Review: Quarter ended March 31, 2016
News Release April 29, Performance Review: Quarter ended March 31, 16% year-on-year growth in domestic advances; retail portfolio crossed ` 2,00,000 crore (US$ 30.2 billion) during the quarter ended March
More informationANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA CHAIRMAN S SECRETARIAT & FINANCIAL INCLUSION DEPARTMENT
ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA CHAIRMAN S SECRETARIAT & FINANCIAL INCLUSION DEPARTMENT Cir: 219-2013-BC-CS & FID Date: 30-11-2013 FINANCIAL INCLUSION INCENTIVE SCHEME TO THE BUSINESS
More informationUnion Budget 2015-16 A Synopsis. Sangramjit Sarangi, CFO
Union Budget 2015-16 A Synopsis Sangramjit Sarangi, CFO DIRECT TAX PROPOSALS Direct Tax Proposals No change in basic corporate income tax rate in respect of Life Insurance companies The rate of surcharge
More informationAxis Bank Ltd. Policy for lending to Micro and Small Enterprises (MSEs)
Axis Bank Ltd. Policy for lending to Micro and Small Enterprises (MSEs) Introduction: The Micro and Small Enterprise (MSE) sector contributes significantly to manufacturing output, employment and exports
More information7.2. Insurance and Investments
Personal Finance and Money Management (Basics of Savings, Loans, Insurance and Investments) ------------------------------------------------------------------------------------ Module 7 Topic-2 ------------------------------------------------------------------------------------
More informationBASEL DISCLOSURES DOCUMENT AS ON 31 st December 2014 TABLE DF-3 CAPITAL ADEQUACY
BASEL DISCLOSURES DOCUMENT AS ON 31 st December 2014 Qualitative Disclosures (a) A summary discussion of the Bank s approach to assessing the adequacy of its capital to support current and future activities.
More informationCore Banking Solution (CBS) IT Modernisation Project
Core Banking Solution (CBS) IT Modernisation Project FREQUENTLY ASKED QUESTIONS 1. What is Core Banking Project? India Post has a vision to be one of the leaders in providing banking and money remittance
More information(Comments provided below the respective points in blue font)
Comments & View Points of P Ravindra, Card based Electronic Payment Systems Risk and Compliance Professional & Consultant, Mumbai India; Former banker and Former Adjunct Faculty, IDRBT (Comments provided
More informationReacting to the Challenges: Business Strategies for Future Success. Todd S. Adams, Chief Executive Officer Adams Bank & Trust Ogallala, Nebraska
Reacting to the Challenges: Business Strategies for Future Success Todd S. Adams, Chief Executive Officer Adams Bank & Trust Ogallala, Nebraska Adams Bank & Trust Family Owned for 95 Years $525 Million
More informationInterbank Mobile Payment Service (IMPS) Merchant Payments User Group Meeting
Interbank Mobile Payment Service (IMPS) Merchant Payments User Group Meeting Current merchant payments scenario Remote payments E-commerce Face-to-face payments Fixed POS E-commerce statistics Growth of
More informationCurrency Derivatives Segment 7
Currency Derivatives Segment 7 142 Currency Derivatives Segment 7 This chapter on currency derivatives segment is broadly divided into two parts: Currency Futures and Interest Rate futures. The Currency
More informationAxis Bank. Strong core performance. Source: Company Data; PL Research
Strong core performance January 17, 2011 Abhijit Majumder abhijitmajumder@plindia.com +91 22 66322236 Umang Shah umangshah@plindia.com +91 22 66322242 Rating BUY Price Rs1,230 Target Price Rs1,600 Implied
More informationStandard Operating Procedure of PMSBY
Standard Operating Procedure of PMSBY 1. Any Postal Official (including GDS) can pursue either a depositor having Savings Account in any EDBO/SO/HO migrated to CBS Platform or any Indian Citizen who is
More informationRole of MSME in Women Entrepreneurial Development
Role of MSME in Women Entrepreneurial Development 1 Ponsindhu, 2 S.NIRMALA 1 M. Phil Research Scholar (Fulltime), 2 Associate Professor & Head Department of Business Administration, PSGR Krishnammal College
More informationAwareness and Impact of Globalization of Life Insurance in India
Awareness and Impact of Globalization of Life Insurance in India Jyoti Agarwal 1, Dr. K.K. Shukla 2 1 Research Scholar, Bhagwant University, Ajmer, Rajasthan 2 Assistant Professor, KCPG Degree College,
More informationEducational Loan Scheme
Educational Loan Scheme RPCD.PLNFS.BC.NO.83/06.12.05/2000-01 April 28, 2001 The Chairman/Managing Director All scheduled commercial banks Dear Sir Educational Loan Scheme The Finance Minister in a meeting
More informationPRADHAN MANTRI MUDRA YOJANA
1 PRADHAN MANTRI MUDRA YOJANA 17th September, 2015 at Trivandrum, Kerala Dear Friends, Ladies and gentlemen, The biggest bottleneck to the growth of entrepreneurship in the Non-corporate Small Business
More informationPayments in India A Continuing Journey
Payments in India A Continuing Journey It has been more than three years since we covered Indian Payments in volume 4 of the. Over this period RBI (Reserve Bank of India) and NPCI (National Payments Council
More informationIREDA-NCEF REFINANCE SCHEME REFINANCE SCHEME FOR PROMOTION OF RENEWABLE ENERGY SUPPORTED BY THE NATIONAL CLEAN ENERGY FUND
IREDA-NCEF REFINANCE SCHEME REFINANCE SCHEME FOR PROMOTION OF RENEWABLE ENERGY SUPPORTED BY THE NATIONAL CLEAN ENERGY FUND IREDA NCEF REFINANCE SCHEME REFINANCE SCHEME FOR PROMOTION OF RENEWABLE ENERGY
More informationThe Tamilnadu Industrial Investment Corporation Limited, 692, Anna Salai, Nandanam, Chennai 600 0035. FREQUENTLY ASKED QUESTIONS (FAQs)
The Tamilnadu Industrial Investment Corporation Limited, 692, Anna Salai, Nandanam, Chennai 600 0035. FREQUENTLY ASKED QUESTIONS (FAQs) 1. Does TIIC help in the preparation of project reports for new entrepreneurs?
More informationHow To Promote Financial Inclusion
Traditional versus Innovative G2P Payment Solutions Hemant Baijal Payment Systems Development Group The World Bank Discussion Points Importance of G2P payments to national economy A framework for G2P payments
More informationIndian Banks Association REVISED GUIDANCE NOTES ON MODEL EDUCATIONAL LOAN SCHEME FOR PURSUING HIGHER EDUCATION IN INDIA AND ABROAD (2015).
Indian Banks Association REVISED GUIDANCE NOTES ON MODEL EDUCATIONAL LOAN SCHEME FOR PURSUING HIGHER EDUCATION IN INDIA AND ABROAD (2015). I. Introduction Educational Loan Scheme is a socially and economically
More informationArman Financial Services Ltd.
Ahmadabad, India, 8 February, 2016: Arman Financial Services Ltd (Arman), a leading Gujarat based nonbanking financial company (NBFC), with interests in microfinance and two wheelers loans, announced its
More informationATAL PENSION YOJANA (APY) - SUBSCRIBER REGISTRATION FORM
ATAL PENSION YOJANA (APY) - SUBSCRIBER REGISTRATION FORM (Administered by Pension Fund Regulatory and Development Authority) To, The Branch Manager, Bank Branch Dear Sir/Madam, I hereby request that an
More informationHIGHER EDUCATION AND SKILL DEVELOPMENT GUARANTEE SCHEME FOR PURSUING HIGHER EDUCATION IN DELHI
1. INTRODUCTION GOVT. OF NCT OF DELHI DIRECTORATE OF HIGHER EDUCATION B-WING, 2 ND FLOOR, 5, SHAM NATH MARG, DELHI-110054. HIGHER EDUCATION AND SKILL DEVELOPMENT GUARANTEE SCHEME FOR PURSUING HIGHER EDUCATION
More informationScheme for Financing the SHGs/Minority Artisans/Individuals through NGOs/Co-operative Societies/Trusts
Scheme for Financing the SHGs/Minority Artisans/Individuals through NGOs/Co-operative Societies/Trusts NMDFC NATIONAL MINORITIES DEVELOPMENT AND FINANCE CORPORATION (NMDFC) Regd.Office: 1 st Floor, Core-1,
More informationRemittances, Microfinance and Technology
Remittances, Microfinance and Technology C P Abeywickrema, Deputy General Manager Hatton National Bank, Sri Lanka This paper discusses migrant remittances in the Sri Lankan context, specifically in relation
More informationSpeechby Finance Minister Mr.Arun Jaitely for the KR Narayanan Oration at Australian National University, Canberra on 31 March 2016
Speechby Finance Minister Mr.Arun Jaitely for the KR Narayanan Oration at Australian National University, Canberra on 31 March 2016 THE NEW ECONOMICS OF FINANCIAL INCLUSION IN INDIA Ladies and Gentlemen,
More informationEXECUTIVE SUMMARY OF MINOR RESEARCH PROJECT (UGC) _ Mr Ishwara Gowda
EXECUTIVE SUMMARY OF MINOR RESEARCH PROJECT (UGC) _ Mr Ishwara Gowda TITLE: AWARENESS OF RURAL INSURANCE SCHEMES:-A SPECIAL STUDY OF RURAL INSURANCE AND LIC WITH REFERENCE TO BELTHANGADY TALUK. It is a
More informationEmployment through Skills Training & Placement
Employment through Skills Training & Placement (Operational Guidelines) National Urban Livelihoods Mission Government of India Ministry of Housing & Urban Poverty Alleviation Issued in December 2013 F.
More informationOperating Performance 2011. - For Annual Results Briefing
Operating Performance 2011 - For Annual Results Briefing March 2012 Contents Operation and Management in 2011 Business Strategy for 2012 2 Part 1 Operation and Management in 2011 Note: Figures without
More informationDistribution of financial products in India
Distribution of financial products in India I. Introduction Financial products act as an investment avenue and provide the required financial security to the investors based on the risk-return profile
More informationBudget 2007-08 - Financial Inclusion - Guidelines for Financial Inclusion Promotion Fund and Financial Inclusion Technology Fund
DO.No. NB.MCID. 309 / FI-01 / 2008-09 Circular No. 88 A/ mcid - 6 / 2008 02 June 2008 (CMD, PSU Banks) Budget 2007-08 - Financial Inclusion - Guidelines for Financial Inclusion Promotion Fund and Financial
More informationForeign Investments flow in Insurance Sector in 2016
Foreign Investments flow in Insurance Sector in 2016 (January 2016) The Associated Chamber of commerce and Industry of India Executive Summary Foreign investment of over Rs 12,000 crore is expected to
More informationHow digitalisation is changing user experience
How digitalisation is changing user experience Harbo Except for the historical information contained herein, statements in this release which contain words or phrases such as will, aim, will likely result,
More informationRULES FOR THE PRADHAN MANTRI SURAKSHA BIMA YOJANA
RULES FOR THE PRADHAN MANTRI SURAKSHA BIMA YOJANA DETAILS OF THE SCHEME: The scheme will be a one year cover, renewable from year to year, Accident Insurance Scheme offering accidental death and disability
More informationALLAHABAD BANK SME CREDIT DEPARTMENT HEAD OFFICE: 2, NETHAJI SUBHAS ROAD, KOLKATA-70001
ALLAHABAD BANK SME CREDIT DEPARTMENT HEAD OFFICE: 2, NETHAJI SUBHAS ROAD, KOLKATA-70001 INSTRUCTION CIRCULAR No.13233/ MSME/ 2014-15/04 DATE: 01/08/2014 To: All Offices / Branches Revised General Credit
More informationDepartment of Posts Introduction to IT Modernisation Project
Department of Posts Introduction to IT Modernisation Project Copyright 2012 Tata Consultancy Services Limited IT Modernisation Project To Be A Technology Enabled Self Reliant Market Leader IT Modernisation
More informationmd&a Prospera Credit Union MANAGEMENT S DISCUSSION AND ANALYSIS For the year ended December 31, 2014
Prospera Credit Union MANAGEMENT S DISCUSSION AND ANALYSIS For the year ended December 31, 2014 INTRODUCTION Prospera Credit Union (Prospera) is a BC-based credit union serving members from the Okanagan
More information2014 Annual Results Announcement
214 Annual Results Announcement Hong Kong 27 March 215 Disclaimer This document may contain time-sensitive information which is only current as of the date of publication. In addition, this document may
More informationMASTER CIRCULAR ON INTEREST RATES ON ADVANCES
MASTER CIRCULAR ON INTEREST RATES ON ADVANCES A. Purpose To consolidate the directives on interest rates on advances issued by Reserve Bank of India from time to time. B. Classification A statutory directive
More informationCredit Risk. Loss on default = D x E x (1-R) Where D is default percentage, E is exposure value and R is recovery rate.
Credit Risk Bank operations involve sanctioning of loans and advances to customers for variety of purposes. These loans may be business loans for short or long term commitments and consumer finance for
More informationAPPLICATION FOR TATA GENUINE PARTS DISTRIBUTORSHIP FOR COMMERCIAL VEHICLES
APPLICATION FOR TATA GENUINE PARTS DISTRIBUTORSHIP FOR COMMERCIAL VEHICLES GENERAL INSTRUCTIONS 1. THIS APPLICATION FORM CONSISTS OF 17 PAGES. ONLY COMPLETELY FILLED APPLIACTIONS WILL BE ACCEPTED AND PROCESSED
More informationCOMMERCIAL INTERNATIONAL BANK ( CIB ) REPORTS RECORD FULL-YEAR 2015 CONSOLIDATED REVENUE OF EGP 10.2 BILLION AND RECORD NET INCOME OF EGP 4
News Release 10 February 2016 Commercial International Bank (Egypt) SAE Nile Tower, 21/23 Charles de Gaulle Street, Giza 11511, Egypt www.cibeg.com EGX Symbol: COMI COMMERCIAL INTERNATIONAL BANK ( CIB
More informationSwabhiman-ICT based Financial Inclusion Implementation- A Case of Bank of Maharashtra
Swabhiman-ICT based Financial Inclusion Implementation- A Case of Bank of Maharashtra Hello. I am Devdatta Rokade. I am from Bank of Maharashtra. I am here today to discuss with you all about ICT based
More informationSYMBIOSIS INSTITUTE OF MANAGEMENT STUDIES MASTER OF BUSINESS ADMINISTRATION PROGRAM STRUCTURE 2015-17
SYMBIOSIS INSTITUTE OF MANAGEMENT STUDIES MASTER OF BUSINESS ADMINISTRATION PROGRAM STRUCTURE 2015-17 1. OBJECTIVE To provide high quality management education to students through advancement of knowledge
More informationIndian Chamber of Commerce. India Insurance Update April 2015
Indian Chamber of Commerce India Insurance Update April 2015 1 LIIFE IINSURANCE Life insurance posts robust growth in Jun-Dec 2014 period: First Year Premium of Life Insurers stood at INR 10071.80 crore
More informationLearning Journey. Max Vijay
Learning Journey Max Vijay Reducing costs by leveraging technology and educating the customers, to bring life insurance benefits to the low-income people Contents Project Basics... 1 About the project...
More informationCapital Expenditure of Corporates: FY09-FY14
September 24, 2014 Economics RBI recently releaseda study on corporate investments which provides a picture on the envisaged capital expenditure (investment in fixed assets) of companies from the private
More informationIntellect Q2 FY 16 revenues grow 44% Y-o-Y to Rs 207 Cr
Intellect Q2 FY 16 revenues grow 44% Y-o-Y to Rs 207 Cr 15 digital-led wins, including 2 digital transformation engagements Chennai (India), October 21, 2015: Intellect Design Arena Ltd, a specialist in
More information20 th Year of Publication. A monthly publication from South Indian Bank. www.sib.co.in
To kindle interest in economic affairs... To empower the student community... Open YAccess www.sib.co.in ho2099@sib.co.in A monthly publication from South Indian Bank 20 th Year of Publication CATEGORIES
More informationKhambatta Securities Ltd.
Attractive Valuation Strong Buy Sector : Bank Private Target Price : Rs 284 Current Market Price : Rs 230 Market Cap : Rs 1,337 bn 52-week High/Low : Rs 393/216 Daily Avg. Volume : 13.88 mn Shares in issue
More informationECGC PAYS HIGHEST DIVIDEND TO GOVERNMENT OF INDIA
PRESS RELEASE Date: 28 th September 2006 ECGC PAYS HIGHEST DIVIDEND TO GOVERNMENT OF INDIA Export Credit Guarantee Corporation of India Ltd., (ECGC) has paid a dividend of Rs 44.32 crores for the financial
More informationSnowwood Infocom Technologies Pvt Ltd
PRODUCT NAME VENDOR NAME MFASYS (Mobile Enabled Micro Finance Accounting System) Snowwood Infocom Technologies Pvt Ltd 2010 Review* June 2010 Previous Reviews Not applicable SUMMARY Overall impression
More informationMARKETING ASSISTANCE SCHEME
MARKETING ASSISTANCE SCHEME 1. BACKGROUND The Micro, Small and Medium Enterprises (MSMEs) sector has emerged as a highly vibrant and dynamic sector of the Indian economy over the last five decades. MSMEs
More informationPROGRAMME PHOTOGRAPHS
Launching of online Training Registration System linked with the website of MSME-DI, Kolkata by Shri Virbhadra Singh, Hon ble Union Minister(MSME), Govt. of India Shri Virbhadra Singh, Hon ble Union Minister
More informationSOCIAL SECURITY AND PENSIONS IN INDIA
SOCIAL SECURITY AND PENSIONS IN INDIA PRESENTATION APRIL 2-3, 2003 COLOMBO (SRI LANKA) U.KSINHA MINISTRY OF FINANCE, GOI, NEW DELHI FRAMEWORK OF THE PRESENTATION BASIC FACTS ON INDIAN ECONOMY COMPONENTS
More informationGuidelines of the Scheme Entrepreneurship Development Programmes ( IMC / EDP/ ESDP / MDP) under Promotional Services Institutions and Programmes
1 2 No. 5(35) / 2006 E&T Office of the Development Commissioner (MSME) Ministry of Micro, Small & Medium Enterprises Nirman Bhawan, New Delhi. Guidelines of the Scheme Entrepreneurship Development Programmes
More informationSBI CARD FACTSHEET. An Overview
SBI CARD FACTSHEET An Overview A Leading Issuer of Credit s in India, SBI s, is a joint venture between State Bank of India, the country's oldest and largest bank, and GE Capital. It offers Indian consumers
More informationPremium Savings Account (CBS branches only) - High earnings with easy liquidity
Corporate Office : Gandhinagar : Bangalore 560 009 ------------------------------------------------------------------------------------------------------------ OUR DEPOSIT SCHEMES Savings Deposit Account
More information2 nd Quarter, 2012 Results ANALYST MEETING, 27 JULY, 2012
2 nd Quarter, 2012 Results ANALYST MEETING, 27 JULY, 2012 Agenda Page 1. Review of Result 2Q12 3-19 2. Future Positioning 21-25 3. 2012 Targets 27 IMPORTANT DISCLAIMER: Information contained in this document
More information5:25 Flexible Structuring Scheme: Aligning Benefits
June 02, 2015 Ratings I. Genesis 5:25 Flexible Structuring Scheme: Aligning Benefits The development of core industries and infrastructure sector is pivotal for developing countries like India. Development
More information