SERVICES Indian banks: performance benchmarking report FY12 results kpmg.com/in Basis of preparation As of 30 March 2012‚ top 10 banks by market capitalization have been selected for the purpose of analysis in this report. All the data and statistics in the publication are primarily based on the annual reports published by respective banks besides analyst presentation‚ press releases and earnings call transcripts‚ wherever relevant. All aggregate numbers for the banks in study are either
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BANKING Definition of Banking: According to Crowther‚ a bank "Collects money from those who have it to spare or who are saving it out of their incomes‚ and it lends this money to those who require it." In the words of Kinley‚ "A bank is an establishment which makes to individuals such advances of money as may be required and safely made‚ and to which individuals entrust money when not required by them for use." According to John Paget‚ "Nobody can be a banker who does not (i) take deposit
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and the Performance of Malaysian Islamic Banks Parviz Ahangi University of Lethbridge Faculty of Management Abstract This study analyzes the effect of internal and external factors on the performance of Islamic banks in Malaysia. Additionally‚ this study analyzes the robustness of this effect by adding factors that represent the economic crisis of 2008 and the banks’ maturity to the analysis. This study uses the data for 16 Malaysian Islamic banks for the period of 2005-2011. The stepwise
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Journal of Money‚ Investment and Banking ISSN 1450-288X Issue 22 (2011) © EuroJournals Publishing‚ Inc. 2011 http://www.eurojournals.com/JMIB.htm The Performance Analysis of Islamic and Conventional Banks: The Pakistan’s Perspective Mian Muhammad Ashraf M. Phil Scholar‚ Superior University of Lahore E-mail: Ashraf.iub@gmail.com Tel: 0092-300-7808066 Zia-ur-Rehman Lecturer‚ Hailey College of Commerce University of the Punjab‚ Lahore E-mail: Ziaurrehman_hailey@hotmail.com Abstract The intent of
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BASEL III AND ABOLITION OF UNIVERSAL BANKING MODEL – IMPLICATION FOR NIGERIAN BANKS Introduction: In the aftermath of the economic recession which pulled down many global banks and exposed multiple weaknesses in regulation and banking structures‚ the Basel Committee on Banking Supervision agreed to new rules on the minimum level (capital ratio) and composite structure of Banks capital on the 12th of September‚ 2010. Broadly speaking‚ the new rules which are widely referred to as Basel III (and are
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Chapter 1 Introduction Islamic banks today exist in all parts of the world and are looked upon as a viable alternative system. While it was initially developed to fulfill the needs of Muslims‚ Islamic banking has now gained universal acceptance.Islamic banking has been in existence since the 1970s‚ and it has shown tremendous growth over the last 30 years. The practice of Islamic banking now spreads all over the world from the East to the West‚ all the way from Malaysia‚ Bahrain to Europe and
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THE BANKING PRACTICES AND GENERAL BANKING FUNCTIONS UNDER AL-ARAFAH ISLAMI BANK LTD BANGLADESH by Samiul Haque ID: 0930163 An Internship Report Presented in Partial Fulfillment of the Requirements for the Degree Bachelor of Business Administration INDEPENDENT UNIVERSITY‚ BANGLADESH November 2012 2 The Banking practices and General Banking Functions under Al-Arafah Islami Bank Ltd THE BANKING PRACTICES AND GENERAL BANKING UNDER ALARAFAH ISLAMI BANK LTD BANGLADESH by Samiul Haque ID: 0930163
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content 1.0 Banking risk 2 1.1 Credit Risk 2 1.2 Illegal lending risk 3 1.3 Illegal fund-raising risk 3 1.4 Financial swindling risk 3 2.0 Bank Risk Classification 4 2.1 Credit Risk 4 This is the main risk of commercial banks. Means of access to bank credit to support the possibility of a debtor can not repay on time and in accordance with the contractual principal and interest. In today’s commercial banking business diversification‚ not only the traditional credit risk remains a major
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| |Bank | | |Operation Abroad‚ Product Service Information‚ Human Resource |6‚7 | |Development | | |Retail Banking‚ Deposit product
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the business of banking. BO s.2: • "banking business" means the business of either or both of the following- (a) receiving from the general public money on current‚ deposit‚ savings or other similar account repayable on demand or within less than the period specified in item 1 of the 1st Schedule of BO or with a period of call or notice of less than that period; (b) paying or collecting cheques drawn by or paid in by customers; BO s.16: • "banking license" means a banking license A person
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