COVER
STORY
Housing
Finance Bubble in the making? Finance Bubble in the making? - - D Satish
In
the past few years the Indian banks have seen a remarkable
growth in their home loan portfolios. Credit offtake in the
home loans has seen a 25% annual growth for the past four
years. But risks always accompany growth. The intense competition
has led to competitive interest rates and narrowing of margins.
In their eagerness to capture market share, the banks have
sometimes overlooked the creditworthiness of the customers.
All this has led to a dramatic rise in the non-performing
loans. Some of the experts have also said that the home loan
bubble may burst. Here is a realty check on the banks’ exposure
to home loans.
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BUSINESS
ENVIRONMENT
Microcredit
in India - - Sharath Jutur
While
microcredit in India is growing steadily, the future for this
segment appears to be gloomy owing to structural issues.
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BUSINESS
ENVIRONMENT
OECD
Governance Principles : Recipe for failure
-- Dr.Shann Turnbull
The
OECD Principles do not follow the laws of nature and unless
they do, corporations will remain exposed to failure from
misdirection, mismanagement, malfeasance, and fraud, says
Dr. Shann Turnbull*, Principal of the International Institute
for Self-governance based in Sydney and a Fellow of the Institute
for International Corporate Governance and Accountability
at The George Washington University Law School.
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BUSINESS
ENVIRONMENT
Dollar
vs. Other Currencies - - Swati Gulati
The
US dollar has been under downward pressure in international
currency markets for more than two years. What would be the
future direction of the dollar and how will the major currencies
fare, especially the euro?
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FINANCIAL
MARKETS
Commodity
Markets - - Indu Prasad
The
commodity market, which was in bear grip for the last 20 years
has reversed its course and is booming now. Factors like global
economic recovery and increasing demand for commodities from
China are adding to the recovery and it has emerged as an
alternative investment avenue.
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INDUSTRY
Indian
Steel Industry - - Sharath Jutur
Recently
the government has reduced the import and excise duty on steel
and related products to control the rising prices, which is
possible in the short run. However, in the long run the steel
prices are bound to increase.
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INDUSTRY
RFID
technology - - Indu Prasad
Radio
Frequency Identification technology is finding fascinating
opportunities. But high cost and privacy aspects are hindering
its growth. So, in the light of this what has the future in
store for RFID?
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INDUSTRY
Petroleum
sector - - Phulvinder Kaur
The
petroleum sector is being privatized in India. But, after
the entry of private players, will the motive of privatization
stay or will it turn out to be a private monopoly?
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INDUSTRY
Indian
Entertainment Sector
- - Anupama Chowdary
The
Indian entertainment industry has outperformed the economy
and is one of the fastest growing sectors. But there are still
some issues that need to be addressed to further boost the
growth of the sector.
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CORPORATE
Shell - - Anindya Roy
Shell’s
mistake in estimating its proven reserves correctly has resulted
in the company listening to ‘music,’ which is uncalled for.
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FINANCIAL
SERVICES
Private
equity - - Phulvinder Kaur
With
the changing investment scenario, the private equity scene
is also changing in India. As more investment opportunities
are coming up, private equity investors are likely to make
their entry into India in a big way.
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FINANCIAL
SERVICES
Stock
Research Reports - - Bobby Dutta
While
stock research reports are supposed to aid the investors,
there are doubts raised on the authority of these reports.
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FINANCIAL
SERVICES
Actuarial
profession - - Phulvinder Kaur
The
recent proposal of IRDA to recognize foreign actuaries in
India only from countries having a reciprocal relation with
the Actuarial Society of India (ASI) has raised many eyebrows.
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CORPORATE
STRATEGY
Restructuring
Philips - - Anupama Chowdary
In
spite of being a brilliant inventor, Philips could never master
the art of understanding its consumers. But lately, it has
been successful in ‘making things better’ through various
restructuring programs. It is to be seen if it can sustain
its recovery in the coming times.
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CORPORATE
STRATEGY
eBay
vs. Amazon.com - - Nidhi Joshi
eBay,
the world’s largest marketplace for online auctions is facing
competition from a new player, Amazon.com. Will its strong
business model and USP come to its rescue?
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