|
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noun
³the money resources, income, etc of
a nation, organization, or person´
³the managing or science of managing
money matters, credit, etc´
   !"#!|| #$

] @roduct

] Market

] Customer

] Distribution channel
 %
] ±etail Finance

] Corporate Finance

] Investments

] Capital Markets

] Investment Banking
 %

] Forex

] Insurance

] Mutual Funds

] Alternative Investments ( @rivate Equity,±eal

Estate New Age products)




] ßocal ± Urban and ±ural

] International- Unlimited Opportunities

with Globalisation

h 
&
%&'

(

)



)

*&
+
 %&

] ±etail customers

] Corporate Customers

] HNI

] N±I

] New customer class getting created

with M&A deals,Overseas acquisitions
by Indian companies
 [ % 

] Banks

] NBFCs

] Broking Firms

] Insurance Companies

] @rivate Equity Firms

 [ % 


] Asset Management Companies

] Forex Dealers

] @rimary Dealerships
   $|!", !|--
"
'
'
.
] |ales

] Marketing/@roduct

] ±esearch

] Credit

] Operations
 "
'
'
.
] Areasury

] IA

] Collections

] Customer service

] BIU
 ‰/ 0|! #"


|

³Highly profitable business if Operating Cost

and Quality of loans is the focus´

$ .|

³ |ource of low cost of fund and fee income

through distribution´
 
|

"
$

â Car loan
â Home loan
â @ersonal loan
â Credit Cards
â |ME/|EG Group
â ßoan against @roperty
 
|

'
$

â Aerm loan
â Working Capital facility
â Non Fund Based- Bank Guarantee/
ßetter of Credit
 $ .|

] Managing Deposits and Investments

] Branch Banking-
Acquisition and servicing of bank
accounts- CA|A (Current accounts and
|avings accounts)
 $ .|

] Fee Income-
|elling Investment @roducts- Fixed
deposits,Insurance, Mutual Funds, ±eal
Estate,@rivate Equity Funds,Forex,Gold

³Cross selling is the key strategy´

ë
%(
. .[%1‰

As in  , in the banking industry

there are-
â No of offices/branches-
 (@vt Banks-
7 apprx)
â No of employees- 
(@vt Banks-
 apprx)
â No of AAMs- 7 ( @vt Banks- 
apprx)
³0*

'
&
---
%
-----+
  $|!", !| [| "2

] One of the highest paid

] ßarge ±ecruiters- Both Fresher and

ßateral
] Inter ±elated with Many other

Employers- Insurance Companies/

Broking Houses/ Asset Management
Companies/ @rivate Equity Firms-
h %.*
&'
'
´
 ‰ '
 
&.

|
0[3
45644554ë

)%%






%. 


7

|
(



 /
.'%


)* 

â Domestic demand

â Infrastructure

â |killed Manpower
[&
[
&

â 2%)* )''%

â 
)% 8

â ")%
&


â $*'


%%

È |trong economic growth

È ßow infrastructure penetration

È |trong government focus

È Multiplier effect on economy

| 
&'*


È ßarge, educated workforce

È Increased efficiency of labour

È Quality research institutes

È India is a partner of choice

"



 
&.

] Domestic consumption driven

economy

] ßow exports to GD@ ratio High forex

reserves

] Manageable external debt

] |tability in banking system

"



 
&.

] High savings rate

] Manageable inflation @roactive policy

making

] ±eform process continuity

h 

'(
% 
)*
'
(

)
&+
 [ | #"2
] "

(
 %.9
†ery important for GD@ Growth- Developed
economies are seeing recession because of
financial crisis
] "
' 
‰ )9
A sustainable industry ³QUAßIA OF ßOAN|
AND CO|A CONA±Oß´
³Indian Banks are better placed after sub prime
crisis- Fewer losses Araditional Banking´
 [ ---[
! $|
] Creation of new Markets

] Above million people are expected to

move up from the category of rural poor to
rural lower middle class between 

and  


] ±ural consumption levels are expected to

rise to current urban levels by  7
 [ --[
! $|
] |uch developments in India's markets are
expected to create major opportunities for
Indian companies and multinationals (MNCs)
alike and further fuel consumer demand in
India

] Despite the gloom in the global markets, India

will continue to be the second fastest growing
economy in the world Indian economy may well
grow at over 7 per cent in  - 
|!", !|! #"---
!| 
"!"
â One of the most important segments of
Indian economy

â Has contributed nearly 

of the GD@ in
 7- 

â Dominant role in the economy accounting

for

of the overall average growth in
GD@ in the last eight years between  -
 and  7- 
 [ --$)
&)*
.---

³According to a study by the McKinsey Global

Institute (MGI), Indian incomes are likely to
grow three-fold over the next two decades and
India will become the world's fifth-largest
consumer market by  
, moving up from its
position in  7 as the th-largest consumer
market´
 [ --$)
&)*
.---

³According to the National Council for Applied

Economic ±esearch (NCAE±) estimates, by
 , only  per cent households in India will
have annual household incomes of less than
U| , from
 per cent in 
- and 

per cent currently´
 
)
#''%



'
--ë ë
 
)

] Globalisation

] Fluctuating demographics

] |ignificantly increased business

complexity
³By   B±IC Countries (Brazil, ±ussia,
India, China) will have established
themselves as significant economic powers
therefore shifting the balance of economic
power eastwards´
))




â Demise of the process focused

professional with most of their work being
automated or outsourced

â Ahe financial generalist will be valued

highly, someone whose understanding of
a broad range of issues will make them
able to act as a 'Navigator' in the business
world
| 

:%

] Knowledge
Understanding of a broad range of issues

] Communication
General communication to applied
communication- Ahere will be diversity
in the customer class
³Ahe ability to exercise professional
judgement based on a foundation of ethics,
broad but deep technical excellence,
strategic awareness and communication will
be the key´
 AHANK OU

ajitsakat@hotmailcom
M-  
 AßAE±NAAE IN†E|AMENA|
A ³|unrise´ investment asset class
 @±I†AAE EQUIA

Ahe Indian @rivate equity industry has matured

over the last few years

AOAAß IN†E|AMENA| 
 7 
(U|D bn Excluding ±E  7  
And Infra deals)

Avrg deal size 
 7 


(U|D mn)
³Increasing deal activity and opportunities for
Investments´
@E Market India- Aotal Market
@otential ( 7-  cumulative)
 @±I†AAE EQUIA
] Fund raising at growth stage by
dilution of capital ie by selling stake in
the company
] Different from debt @E Investors do

not look for interest on capital employed,

investment is made with a timeframe to
sell the acquired stake ( equity) at a
premium Investors have high risk
appetite but are very strong at due
diligence
 EXIA O@AION|

] |ale to a strategic Buyer- ßarge

business
groups seeking to enter the business
or existing
players wishing to enter a new
segment-
±eliance Adlabs, |ynergy Adlabs,
Disney- UA†
 EXIA O@AION|

] |ale to a Financial Buyer- @E firms

such as Blackstone,Columbia Capital,
Carlyle, A@G,|oros Funds
] I@O on domestic exchanges
] Buyback of stake by promoters