UNIVERSAL BANKING

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UNIVERSAL BANKING:

UNIVERSAL BANKING

GROUP MEMBERS:

GROUP MEMBERS CHINMAY POTE SAJITH NAIR ABHILASH PILLAI JOHN HAMILTON TUSHAR PETWAL

INTRODUCTION:

INTRODUCTION Universal Banking is a multi-purpose and multi-functional financial supermarket providing both banking and financial services through a single window.

DEFINITION:

DEFINITION “Banking that includes not only services related to savings and loans but also investments.”

CONCEPT OF UNIVERSAL BANKING:

CONCEPT OF UNIVERSAL BANKING Universal banking is a combination of commercial banking, investment banking and various other activities, including insurance.

ADVANTAGES:

ADVANTAGES ECONOMIES OF SCALE PROFITABLE DIVERSIONS RESOURCE UTILISATION EASY MARKETING ONE-STOP SHOPPING INVESTOR FRIENLDY ACTIVITIES

DISADVANTAGES:

DISADVANTAGES GREY AREA OF UNIVERSAL BANKING NO EXPERTIS IN LONG TERM LENDING NPA PROBLEM REMAINED INTACT

UNIVERSAL BANKING IN INDIA:

UNIVERSAL BANKING IN INDIA Consequent to the liberalization and deregulation of financial sector, there has been blurring of distinction between the commercial banking and investment banking.

PowerPoint Presentation:

A committee was set up by RBI to bring about clarity in the roles of banks and financial institutions under chairmanship of S.H. Khan.

PowerPoint Presentation:

FIs need to formulate a road map for the transition path and strategy for smooth conversion into a universal bank over a specified time frame

FUTURE TRENDS:

FUTURE TRENDS This will present opportunities to banks to explore territories in the field of credit/debit cards, mortgage financing, infrastructure lending, asset securitization, leasing and factoring.

Are the specialized banks doomed to disappear? :

Are the specialized banks doomed to disappear? This question cannot be answered with a simple "yes" or "no".

PowerPoint Presentation:

First , universal banks no doubt will continue to play an important role as they possess a number of advantages over specialized institutions.

PowerPoint Presentation:

Second , although universal banks have expanded their sphere of influence, the smaller specialized institutions have not disappeared.

PowerPoint Presentation:

Third , universality of banking may be achieved in various ways. No single type of universal banking system exists.

CASE STUDY:

CASE STUDY The intended reverse merger of ICICI with ICICI Bank is unique. The top management of ICICI `enbloc' will form the top corporate management of the ICICI Bank.

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