Though the growth in MSME activity and the MSME credit offtake thereof has been tepid for almost two years, MSME continues to be the buzz word not only in India but in many parts of the globe if an economy has to rebound and sustain itself. Governments have been...
There has been a growing concern for last few years that public sector banks (PSBs) are not able to fill their staff position at project appraisal and credit teams, with younger employees not interested in building a career in areas where decisions could later come under scrutiny from investigative...
Understanding the problem of Indian Banks going through unprecedent mounting growth in stressed loan portfolio, the Reserve Bank of India attempted to force banks to clean up balance sheets and came out with many regulatory steps viz; Strategic Debt Restructuring (SDR), Flexible Structuring of Project Loans (5/25) and Scheme...
OBJECTIVE: 1. How to Identify next best product for the customer. Identify customer segments. Identify product purchase behavior and product affinity. METHODOLOGY: a)Business Understanding. Determine Business Objectives Assess Situation Determine Analysis Goals Initial Assessment of Tools and Techniques Translate into modeling objective Lay down Solution Framework. b) Data Preparation:...
A Bank Should Be Something One Can “Bank” Upon, inspired by the real meaning behind banking upon something, a statement of credibility, of confidence, of trust. In this digital era the importance in application of consumer protection have shifted from operations towards product design & delivery. When...
….Connecting with the customers in banking sector Social media marketing is a term that describes the marketing techniques focussed on various social medial platforms like, Facebook, Twitter, LinkedIn etc. Since its inception in 1996, social media has infiltrated more than half of the 7.8 billion (as on...
Credit ratings, whether internal or external, has been an important tool in assessing the risk profile and lending suitability of a borrower. As an integral component in credit decision making, banks and financial institutions have historically relied on the rating category of the client. An external credit rating...
Robotics is the boon of science, technology and engineering that produce machine called Robot. Robot is considered to be a substitute for human actions. Use of Robotics work was introduced in 2005 to assemble cars in automotive industries and 90% car assembling work was done by Robots. ...
Credit risk is one of the most vital risks which is pertinent to the Banks worldwide. Every Bank, however small or big is working upon ways to minimize or curtail credit risk. Credit risk basically constitutes of two major stages: – pre sanction and post sanction. Pre-sanction measure includes...
On 24th March 2020 almost all economic activities in India, broadly covering manufacturing, services and agriculture witnessed an unprecedented stand still, just after the announcement of complete nationwide lockdown. It was all together a mixed feeling seeing all religious places shut the doors for public, educational institutions closed, aircrafts...