Commercial Banking and Insurance (CBI) Group Project Work dated 7.10. 01! Group 1 .

. "unctions o# $BI and %o& do t%e' impact (conomic Gro&t%) *onetar' +ta,ilit') -i.uidit') In#lation) +a#et' o# /epositor0s "unds) Good 1ealt% o# Commercial Banks) Currenc' +ta,ilit') Promoting "lo& o# Credit to Priorit' +ector23griculture) *+*() $etail sector) and customer satis#action.

Group

Gro&t% o# Banking 4et&ork t%roug% a pragmatic Branc% (5pansion Polic') (5pansion o# Branc% 4et&ork in 6n ,anked centers) (5tension Counters) Polic' o# 6ltra +mall Branc%es) Business Correspondents #or inclusi7e Banking) 4o #rills accounts) /irect Bene#it 8rans#er) -e7eraging 8ec%nolog' #or trans#er o# #unds to ,ene#iciaries t%roug% minimal cost and pre7ention o# misapplication and leakages ) promoting "inancial Inclusion t%roug% e5tending reac% to t%e poor sections o# people.

Group! 9e' aspects o# Banking +ector re#orms and %o& t%e' %a7e strengt%ened t%e Banking s'stem in India) e.g Income $ecognition and 3sset Classi#ication 4orms) Capital 3de.uac' 4orms)Basel1) ) !.) 8ier21) and 8ier ) Pillar I) )! *anaging $isks) Credit) *arket and :perational $isks and C'clical $isks) C3*(-+ *odel.

Group ;. 9e' 3spects o# -ia,ilit' *anagement) $aising o# Core Customers deposits) C3+3 /eposits) "i5ed )$ecurring) "le5i /eposits) 4$( /eposits) "C4$ /eposits) strategies and practices adopted ,' ,anks to minimi<e t%e cost o# /eposits and en%ancing customer0s con7eniences) *ajor -ia,ilit' products and ser7ices and t%eir ke' #eatures #or ac%ie7ing t%e t&in o,jecti7es o# $educing cost o# deposits and ensuring sta,le sustained deposit gro&t% #or "unding loans and ad7ances) &it%out causing li.uidit' crunc%= constraint) pre7enting resorting to s%ort term ,ulk deposits and costl' inter Bank ,orro&ings.

Group >. 9e' 3spects o# 3sset -ia,ilit' *anagement) :rgani<ational set up #or *anaging 3-*) 3-C:) Pricing o# deposits and ad7ances) risk sensiti7it' *ismatc% o# assets and lia,ilities) managing li.uidit' and interest risks and utili<ing t%e 3-* *ec%anism to ,oost pro#ita,ilit' o# t%e Banks.

Group ?. *anaging In7estment Port#olio) 9e' aspects o# In7estment Polic') C$$) +-$) 4on +-$) In7estment "luctuation $eser7es) Impact o# interest $ate on In7estment Port#olio and pro#ita,ilit' o# Banks) *anaging Integrated 8reasur' "unctions) 9e' aspects o# In7estments in *one' *arket Instruments) $epo) $e7erse $epo) -i.uidit' 3djustment "acilit'(-3")) *arginal +tanding "acilit') Penalt' #or 4on compliance to statutor' C$$) +-$) computation o# C$$) +-$.

Group 7. 9e' 3spects o# -oan Polic' o# Banks) -oans to -arge Corporates) ( W%olesale Banking) *+*() $etail) 3griculture +ectors)) -oan $estrictions) Prudential (5posure Caps2Industr' &ise) Part' &ise) Group &ise) (5posure to +ensiti7e +ectors) Capital *arkets) Gold -oans) $eal (state sector etc. "oreign Currenc' -oans) (CBs) etc. 9e' 3spects o# Consortium -oans) +'ndicated -oans.

Group @. Credit *anagement) +uper7ision and Control o# 3d7ances) (n%ancing 3sset Aualit' o# Banks) 9e' aspects o# pro7isioning norms as per Income $ecognition and 3sset Classi#ication) Pro7ision Co7erage $ation) $e7i7al o# +tressed -oan 3ssets under Corporate /e,t $eco7er' (C/$) *ec%anism) 9e' aspects o# $eco7er' o# 4on Per#orming 3ssets(4P3s) 8%roug% /e,t $eco7er' 8ri,unal(/$8s)) +3$"3(+I 3ct) 00 as amended) -oak 3dalats) and under compromise settlement(:8+) polic' o# Banks.

Group B 8ec%nolog' in Banking) C%annels o# deli7er' o# ,anking and allied ser7ices) Internet Banking) *o,ile Banking) Credit Cards) /e,it Cards) 38*s) /epositor' +er7ices) *erc%ant Banking +er7ices) 3+B3) en%ancing Producti7it' and pro#ita,ilit') en%ancing operational e##icienc' o# ,anks) Con7enience to t%e customers) +*+ 3lerts) $eceipt o# di7idend= interest in /emat linked +a7ings 3ccounts) sale ) purc%ase and online trading in e.uities) /e,t and mutual #unds securities ) $emittance o# "unds t%roug% $8G+) 4("8) Clearing and settlement +'stem in ,anks) Core Banking +olution (CB+) ) Impact o# 8ec%nolog' on customer ser7ices) producti7it' and pro#ita,ilit' o# ,anks) managing risks) impro7ing processes o# control and super7ision in ,anks

Group 10. I$/3 3ct) 9e' aspects ) $isk *anagement in Insurance) 8'pes o# Insurance Principles o# Insurance) General Insurance) -i#e Insurance) 1ealt% Insurance) Banc 3ssurance) Crop Insurance 9e' #eatures) policies) product #eatures) Bene#its) insurance premia) claim settlement procedures) Coint Dentures in Insurance) 6-IP) 4e& products and ser7ices) :n line insurance) +ol7enc' 4orms) $e Insurance .