Presentation

for
VIVA
Jyotsna Nehete
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WE LOUNGE

Mr. Goutam Datta

ICICI Lombard GIC-VP

From this video I Understood various points as

he.
Spoke about his journey from 1997statrs from
small company then onwards to the ICICI Group.
Having more than 16 years experience in
spearheading large scale technology operations 7
implementing new technology projects.

Spoke about strategic technology leader with a

firm belief in creating tangible business value
through use of technology solutions to drive and
deliver business results.
He is great believer of one team concept and
leading teams to achieve collecting result.

Mr. Shailesh Patil

Kesari Tours-Directors

 A journey in a career is of rewards but pain

also and success is when the former
outsets the latter.
Having 14 years of business experience ,
he is qualified as an electrical Engineer ,
he is currently involved in ISO 9000 rollout
for Kesari Tours. Also pays a key role in
setting up the backbone for business for
gates.
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 Kesari formed in 1982 , he is believing to

give quality services, Complete the
customers. Promises.
Learning Marketing strategies from father.
His father has confident to give quality
services to customers.

Mr. T.C . Pattabiraman

CFO-Sealed Air Corporation

Learning's :
A challenging journey, Career starts with
MNCs.
CA qualified been closely associate with all
the functions of the company to unlock its
value.
He is someone who consistently challenges
status quo & gets challenged as well.
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 He is passionate about the financial

profession & a natural Leader.
spoke about the concept is How work
with people & how developed the
people.

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NEWSWIRE

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1. ISIN IN SHARES
(International Securities Identification Number)

An article that briefly informs on the (ISIN) is a unique code

which identifies each security, while buying and selling of
shares. It is a 12 character alpha-numeric code that
uniquely identifies a security.

An ISIN uniquely identifies a security, such as stocks, bonds

and more. ISIN is necessary for transfer of share. ISIN is
issued by National Numbering Agency (NNA), designed by
ISO (International Organization Of standardization). In India,
SEBI acts as NNA.

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Depositories shall activate the ISINs only on the date of

commencement of trading on the stock exchanges.

ISIN code is helpful when investors wants to freeze his

account or particular number of securities under an ISIN for
any given period of time.

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2. RBI PERMITS BANKS TO ACT AS

INSURANCE BROKERS
Business Line

A Small Concise Article on Broking business, Banks may

undertake insurance agency or broking business
departmentally and/or through subsidiary, RBI said in the
guidelines for entry of banks into insurance business.

They can also act as corporate agents without seeking prior

approval from the RBI. However, they will have to comply
with IRDA guidelines.

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Banks will be permitted to act as insurance brokers so that

the entire network of banks branches will be utilised to
increase the penetration of insurance.

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3. LIABILITIES OF A CO-HOME LOAN

APPLICANT IN A HOME LOAN

A very informative article on Home loans while coming with

tax benefits, also come with liabilities. For example, in case
of death of one of the holders, the other co-applicant has to
make sure that he bears the entire responsibility for
payment of the balance of the loan. Therefore, when taking
a loan it is very important that the co-applicants ensure
that they are able to pay the entire amount in case of
absence of one of the applicants.

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Now another important thing to note is that if you are a coapplicant as well, your CIBIL score will be accounted for. So,
in case you fail to pay up, due to the demise of the coapplicant or for whatsoever reason, you are likely to have a
bad credit score. This means is that you would face
challenges in taking loans for the future.

The most important thing to remember when taking a

home loan is that in case there is a difficult of one of the
applicants to honours the commitment the other coapplicant should be able to shoulder the responsibility.

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4. THE VARIOUS DIGITS ON YOUR

CREDIT CARD SIGNIFY
Credit card number length will change depending from issuer, the
most usual is 16 digits divided in groups of 4.
It identifies the category of the card issuer and where the card will be
most used in. This forms the first group.
For example, if the card starts from 1 or 2, it means it is issued by
airlines or such industries. Let us take a look at the other numbers on
the card.

3 it for American Express, Diner's Club
4 is for Visa Card (Banking & Financial cards)
5 is for Master Card are (Banking & Financial cards)
6 is for Discover Card (Merchandising, Banking & Financial cards)
7 is for Petroleum Cards
8 is for telecommunications cards
9 are for national assignment
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In the second group: From second to sixth digits is know as

the Issuer Identification Number (IIN). This provides
information on which bank issued the card, the country of
origin, and sometimes the specific card type.

Third Group: The numbers after the 6 th digit (except the

last digit) is the account number.

Fourth Group: The last digit on any credit card is known as

Check digit, which helps in validating the credit card
number.

Lastly, we have three or four digits on back of your credit

card, it is necessary while using card at merchandise
outlets. These digits come in use when the card is used
online or through telephonic mode.

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5. JAN DHAN SCHEME

Vijaya Bank has opened 13 lakh

accounts under the PMJDY (Pradhan
Mantri Jan Dhan Yojna)

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 On the number of zero-balance

accounts, he said 54 per cent of the
accounts opened under PMJDY came
under this category. However, the
bank was able to get 38 crore as
deposits from PMJDY accounts.

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6. HOW TO SPEND THE FIRST AND LAST 10

MINUTES OF YOUR WORKDAY
The First 10-15 Minutes

Set aside at least 10 minutes at the beginning of the day to

plan your day.

What are the three top things Id like to accomplish today?

Is time to complete those things on your calendar.

Are the activities represented on my calendar today

consistent with my most valuable activities.

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The Last 10-15 Minutes

Set aside at least 10 minutes at the end of the day to wrap

up.
What important things did I accomplish today
Did I do a great job today of focusing on my most valuable
activities? What corrections in course do I need to make
tomorrow.
Is there anyone I need to reach out and say thanks to.
Begin your day with a plan and end your day with a recap
every day.

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7. MOTHER DEED IN THE CONTEXT OF

PROPERTY INVESTMENT IN INDIA

Every transaction in property would go through a history of

land ownership, change in apartment ownership and other
detailed records that are recoded in various government
agencies. This detailed record is reflected in the mother
deed and is often sought by buyers of property like land,
independent houses and apartments in India. It traces the
history from the first to the very last owner.

The Mother Deed forms the single most important piece of

document in the transaction. You must examine the same
carefully before undertaking any transaction whatsoever.
Do not forget to seek legal advise should you not be able to
understand a few things.

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1)
2)
3)
4)
5)
6)

The mother deed would consist of a host of information

including the following:
Location of the property.
Size of the property in sq feet or meters or acres and
guntas.
The boundaries of the property, covered on the west by ...,
covered on the east, south and north by...
Consideration agreed upon at various stages of the
property transaction.
Details in case there is an indemnity agreement between
the parties.
Details of the road, ward number, door number etc., of the
property.
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8. BAD LOANS MAY COME DOWN TO 4%

BY MARCH 2016: RBI

An article that briefly informs on the overall macroeconomic

scenario during the next financial year

Gross non-performing assets (GNPAs) of banking system is

likely to drop to 4 per cent by March 2016 with expected
improvement in macroeconomic indicators going forward,
the Reserve Bank said.

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The stress test revealed that among the seven select

sectors, engineering is expected to register the highest
GNPA ratio at 12 per cent by March 2016, followed by the
cement segment at 10.6 per cent, it added.

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9. PNB OPENS 500TH PRAGATI BRANCH

Learning's:

An article that briefly informs on business expansion plan

Punjab National Bank has rolled out its 500th Pragati
branch as part of its efforts to enhance customer
satisfaction at major centres across the country. Under this
Pragati model, a minimum standard level of service is
guaranteed to customers uniformly across all such
branches. Its Executive Director Gauri Shankar inaugurated
the 500{+t}{+h} branch under the Pragati model at
Paharganj here.

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10. HOW TO BUILD YOUR PERSONAL BRAND

Its not enough to just do your job wellyou need to be able
to showcase your skills, grow into bigger roles, and create
the right kind of personal network
The first dimension of a brand is around a persons
propensity to deliver results.
The second dimension, the social capital, refers to a persons
ability to forge constructive relationships and build strong
networks, thus opening doors to opportunities, resources and
information.
The third dimension of a brand is the wrapping that you
place around yourself, which can potentially either distract
or direct attention to your strengths and intrinsic value. It
represents your personal style.
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WE TUBE

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1. KYC (Know Your Customer) &

AML (Anti money Laundering)
Learning's:
KNOW YOUR CUSTOMER (KYC) guidelines is to prevent
banks from being used, intentionally or unintentionally, by
criminal elements for money laundering activities. KYC
procedures also enable banks to know/understand their
customers and their financial dealings better, which in turn
help them, manage their risks prudently

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Money laundering is the act of making dirty money, at the

source of which are serious crimes, such as drug trafficking
or terrorist activity, clean. At the end of it, all the dirty
money seems to be from a legitimate source.

In 2002, the Parliament of India passed an act called the

Prevention of Money Laundering Act, 2002. The main
objectives of this act are to prevent money-laundering as
well as to provide for confiscation of property either derived
from or involved in, money-laundering.

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obligations on every banking company,

Financial institution and intermediary, which include
Maintaining a record of prescribed transactions
Verifying and maintaining records of the identity of its clients.
Objectives
To prevent criminal elements from using the bank for money
laundering activities
To enable the Bank to know/understand the customers and their
financial dealings
better, which in turn would help the bank to manage risks
prudently.
To put in place appropriate controls for detection and reporting of
suspicious activities in accordance with applicable laws/laid down
procedures.
To take necessary steps to ensure that the relevant staff are
adequately trained in KYC/AML procedures.
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2. Types of E Business
Learning's:
The reason such classification is important is that it gives
the analyst an insight into the business model and financial
model of the business. For instance, the logistics of
delivering the physical goods can be a huge challenge for
some businesses. Sellers of digital goods do not face that
problem. When it comes to selling tickets, there are many
parameters that need to be evaluated in real time, e.g., in
the case of air tickets: availability, location of seats, meal
preferences, refundable vs. non refundable tickets, and
much more.

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B2B commerce - it is that business activity in which 2 firm

or business units make electronic transaction in which 1 can
be a producer firm and other are raw material supplier firm.

B2C commerce - in B2C commerce, 1 party is the firm and

other party is a customer. on the one hand, customer can
seek info. , can place an order, get some items on the
Internet and can also make the payment. on the other
hand, a firm can make a survey to know, who buying what
and can also know satisfaction level of customer. a firm can
also make delivery of goods like air and train tickets etc.

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C2B ecommerce seems lop-sided. But online commerce has

empowered consumers to originate requirements that
businesses fulfill. An example of this could be a job board
where a consumer places her requirements and multiple
companies bid for winning the project. Another example
would be a consumer posting his requirements of a holiday
package, and various tour operators making offers.

C to C commerce- under C to C commerce, both the parties

involved are customers. it is required for buying and selling
of those goods for which there is no established markets
are available.

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3. Telephone Handling
Techniques

Learning's:
Providing effective and successful support requires many
skills. You must have not only the necessary technical
knowledge, but also the ability to handle the nontechnical
aspect of your case. You must be able to relate to your
customer regardless of what their background is and meet
their demands in a professional way.

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Be sure to properly greet and collect all mandatory customer

information before asking why they have called for support.

Do not jump ahead to resolution steps until you have created

a problem statement.

If you must put the customer on hold, tell them exactly how
long they will hold and return exactly to that estimate.

Be a good listener. Resist distraction and focus on your

customer.

You might know what your customer will say, but let them
finish anyway.
Do not interrupt your customer. If you do have to interrupt
them, apologize and explain why.

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Assess the level of expertise your customer has and adjust

your communication style accordingly.

If your customer does not understand a term that you use,

explain to them what you mean.

Do not use abbreviations unless you are sure your customer

is familiar with them.

Apologize on behalf of your organization if the services are

not running as expected. This shows that you respect your
customer.

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4. Capital Market

What is capital Market

Capital markets are financial market for the buying and
selling of long-term debt or equity-backed securities.

A division within the capital markets is between the

primary markets and secondary markets.

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In primary markets, new stock or bond issues are sold to

investors, often via a mechanism known as underwriting.

In the secondary markets, existing securities are sold and

bought among investors or traders, usually on an
exchange, over the counter, or elsewhere

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5. Basics of Micro Finance

By-Sujata Iyer

Microfinance is:
the provision of financial services
in a sustainable way
to low income people
who do not have access to commercial financial
services
Simply,
Microfinance is Banking with the Poor
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Characteristics of Microfinance
Free of physical collateral
Quick services at the door steps
Small savings and loan size
Short term loan
Constraints

Bottom poor groups dont have enough cash flow to repay loans
on time resulting high overdue.
Lack of professionalism/expertise in apex and retail lending
organizations

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Thank You

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