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Finance

Portfolio Organizer  

April '05
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The Gold ETFs
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Debt Markets in India
50
Securities Market: The Need for Deterrent Provisions
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Economic Survey 2004-05: An Overview of the Indian Economy
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COVER STORY

The Gold ETFs

- - G Kumaraswamy Naidu, B Sravana Kumar

Budget 2005 has proposed to introduce Gold Exchange Traded Funds (ETFs) in India. Their introduction is expected to increase investor participation in the gold market in the country. This cover story discusses the gold market in India, how Gold ETFs are created and operated and other issues involved in introducing them.

© 2005 IUP. All Rights Reserved

Article Price : Rs.50

EQUITY MARKETS

Striking Gold Mines

- - Roy Pinto

The mid-cap stocks have outperformed the indices in 2004 and the markets have performed well even when the market was undergoing a correction. This article focuses on mid-cap performance and discusses whether their performance will continue this year.

© Business India, February 14-27, 2005. Reprinted with permission.

DEBT MARKETS

Debt Markets in India

- - Narendra Jadav

Debt market in India has been dominated by the government securities. The non-remunerative yields and captive nature of the government securities market had liquidated the secondary market activities. This article discusses the imperatives of debt markets.

© 2005 IUP . All Rights Reserved. This was a speech delivered by Narendra Jadav at the International Conference jointly organized by Sebi and IU in Mumbai during January 10-12, 2005.

Article Price : Rs.50

REGULATORY ENVIRONMENT

Securities Market: The Need for Deterrent Provisions

- - Kumar L Desai

Why do we need deterrent provisions to regulate the securities markets? This article dwels on the need for deterrent provisions and the current regulatory framework in India.

© 2005 IUP . All Rights Reserved. This was a speech delivered by Kumar L Desai at the International Conference jointly organized by Sebi and IU in Mumbai during January 10-12, 2005.

Article Price : Rs.50

ECONOMY

Economic Survey 2004-05: An Overview of the Indian Economy

- - G Alivelu

The Economic Survey has projected a growth rate of 6.9% for the year 2004-05. This is due to better performance of industry and services, aided by the FDI inflows. This article provides an overview on the Economic Survey 2004-05 and discusses other factors that could have contributed to the better performance of the economy.

© 2005 IUP. All Rights Reserved

Article Price : Rs.50

PERSONAL FINANCE

Freedom to Invest

- - N Mahalakshmi

Since tax breaks are now available for investments across asset classes, you can create a well-diversified portfolio that can also save you tax.

© Business Standard, March 24, 2005 (http://www.business-standard.com). Reprinted with permission.

INTERVIEW

Union Budget 2005-06: Its Impact

The Chidambaram Budget for 2005-06 promises a lot and has been applauded as balanced and reform-oriented. The Budget proposals may help propel the economy towards a sustained growth rate. Dharmakirti Joshi, Senior Economist at CRISIL, in his interview to Portfolio Organizer, expresses his views on the Budget and its impact.

© 2005 IUP. All Rights Reserved.
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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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