collateral. In conventional banks charging interest does not stop unless specific exception is made to a particular defaulted loan. Interest charged on a loan can be multiple of the principal‚ depending on the length of the loan period. More than half the population of the world is deprived of the financial services of the conventional banks. Objective of the Study Our objective of the study was to know the product differentiation of Islamic Bank and Conventional bank. In which way they differ from
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No. 3. May 2013 Issue. Pp. 71 – 88 Performance Appraisal of Indian Public Sector Banks Parvesh Kumar Aspal * and Naresh Malhotra** The strength of economy of any country basically hinges on the strength and efficiency of financial system‚ which‚ in turn‚ depends upon a sound banking system. The regulators have recommended bank’s supervision through CAMEL rating model to assess the performance of banks‚ which is better than the earlier systems. The prime objective of CAMEL model of rating
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THE IMPACT OF BANK REGULATION ON THE OPERATIONS OF COMMERCIAL BANKS IN GHANA: A CASE STUDY OF HFC BANK. Contents CHAPTER ONE 3 INTRODUCTION 3 1. 1 Background of the Study 3 1.2 Statement of the Problem 4 1.3 Research Objectives 5 1.4 Research Questions 5 1.5 Significance of the research. 5 1.6 Organization of the Study 5 1.7 Limitations of the study 6 Chapter Two 7 Literature Review 7 2.1 Definition of Terminologies 7 2.2 Regulation in the banking industry 8 2.2.1 Objectives
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that merge of commercial and investment banks is a better approach to achieving stability. After the global financial crisis‚ the American economy went into recession. The policy priority of American government was then to intervene into its banking system so as to mitigate the impact of the crisis. One advantage of the merger of banks is that it can improve the overall condition of the economy (Khan‚ 2012). The merger of banks unites small and weak unit banks which will then be able to provide diverse
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Basic information of icici bank (Industrial Credit and Investment Corporation of India Bank): ICICI Bank was established by the Industrial Credit and Investment Corporation of India‚ an Indian financial institution‚ as a wholly owned subsidiary in 1994. The parent company was formed in 1955 as a joint-venture of the World Bank‚ India’s public-sector banks and public-sector insurance companies to provide project financing to Indian industry.[10][11] The bank was initially known as theIndustrial
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General Comparison between HDFC Bank and ICICI Bank HDFC Bank ICICI Bank Second largest private Sector bank largest Private Sector Bank Retail assets constituted 51.3% of advances in FY12. Retail assets constituted 34% of advances in FY12 Comparison on the basis of services:
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INTRODUCTION WHAT IS BANK? A bank is a financial institution‚ which deals with money and credit. It accepts deposits from individuals‚ firm and companies at a lower rate of interest and gives at a higher rate of interest to those who need them. The difference between the terms at which it borrows and those at which it lends from the source of it profit. A bank‚ thus‚ is a profit earning institution. HISTORY OF ISLAMIC BANKING IN PAKISTAN 1947 The inception of Pakistan as the first Islamic
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OPERATIONS OF BANK AGENCY IN KENYA- EQUITY BANK AND BANK AGENTS IN NAIROBI WEST by MUNGA‚ DOROTHY WAMBAIRE 056157 A Management Research Project Proposal submitted in partial fulfillment of the requirements for the degree of Bachelor of Commerce Strathmore University 2013 Declaration This is to certify that this research proposal is my original work and that it has not been presented or submitted for a degree award in any other institution of higher learning. Information from other sources
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COMPARATIVE STUDY OF COMMERCIAL BANKS AND CO-OPERATIVE BANKS Introduction The robust macroeconomic environment continued to underpin the financial performance of Indian banks during 2004-05‚ with major bank groups successfully weathering the impact of an upturn in interest cycle. The demand for credit was broad-based during 2004-05 with agriculture and industry joining the housing and retail sectors to drive up the demand for credit. A sharp increase in net interest income mitigated to a large
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Banks are basically service-rendering institutions. The existence and success of banks depend on their ability to meet the various needs and wants of the customers. The new millennium has brought with it challenges as well as opportunities in various fields of economic activities including banking. The banking sector in India has undergone several changes in the areas of prudential‚ regulatory‚ disclosure and supervisory norms. The financial reforms launched during the early 1990s have dramatically
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