Retail Banking
Tags :
retail banking, financial markets, financial crisis, banking industry, retail and investment banking sectors, international regulation
Industry :
Banking, Private Banking/Wealth Management
Functional Area : Strategy Alignment |
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About "Retail Banking" topic:
Global financial markets have suffered a serious impact from the financial crisis and economic recession. Only a few banks have escaped unscathed as the retail banking industry continues to adjust to shifts in the global financial and economic environment. The impact of these changes will drastically alter the retail banking landscape, with updated and coordinated international regulation, higher risk, capital shortages and a potential legislative separation of the retail and investment banking sectors. With the worst of the crisis behind us, banks are working hard to restore trust in the industry and promote a stable and robust banking sector for the future. We shall discuss the future of retail banking in this topic...
2 insight
, 10 debates
, 7 idea contests
on topic: "Retail Banking"
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(rate this)
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1
Expansion and Diversification in Non Urban sectors
2
Indian retail credit in new heights
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kanukurthy sudershanrao
| Added idea
"Branch Banking is out Core Banking In"
| 7 months ago
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After implementation of Core Banking solutions and internet bank, phone banking, mobile banking etc the concept of branch banking is on its way out. A customer need not visit the bank branch at all after the initial opening of the account and...
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Harshil Roy
| Supported idea
"Expansion and Diversification in Non Urban sectors"
| 1 year ago
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As we know that if one becomes stringent growth can't be rapid. Being stringent has its own advantages and disadvantages, but looking to the current scenario of developed countries its is very much required that we should not run behind growth but...
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vivek khandelwal
| Supported idea
"Expansion and Diversification in Non Urban sectors"
| 2 years ago
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Non Urban areas will change the face of bank.With increasing reach more business oppurtunity will be open for banks.
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Ideate: "What will be the face of Indian banking after 2009? " deleted from your view.
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(rate this)
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Yes
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6
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5
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No
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Nidhi Agarwal
| Argues in support of
"No"
| 2 years ago
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No, there is no requirement for that. Innovation is one thing which is required the most in the banking industry, going back to basics will not serve any purpose. People love the modern banking system. We need further innovation in the banking...
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Debapratim Das
| Argues in support of
"Yes"
| 2 years ago
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yes, world over customers are conscious that gone are days of financial modeling and exotic products who never understood that over leveraging is dangerous. So its back to basics with CD ratio below 100.
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Debate: "What's next- Should retail banks go back to basics?" deleted from your view.
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(rate this)
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1
Growing Bank deposit
2
Technological change and Innovation
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Nagarajan Narayanan
| Added idea
"Values are very important, hence do not forget the basics. Innovation is the way to progress, but be very ethical. "
| 2 years ago
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Basics are very important, hence do not forget the basics. Innovation is the way to progress, but be very ethical. Never, never forget the stake-holders. Their interests are supreme. If the customers are kept in heart, banking can never fail.
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Debapratim Das
| Added idea
"stability in bank deposits"
| 2 years ago
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Prudent banking advocates retaining retail depositors is the key to solvency long term
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Ideate: "What strategic position should the retail business hold in a universal bank?" deleted from your view.
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(rate this)
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1
Giving more Quality and risk aversion deposits
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Introduce more innovative banking products of deposit
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Niranjan Meena
| Added idea
"Introduce more innovative banking products of deposit"
| 2 years ago
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As i suggest, a growing market can never be an alibi for lack of innovation. Indian banks have shown little or no interest in innovative tailor-made products. They have often tried to copy process designs that have been tested. Retail Banking in...
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Rashmi Chawla
| Added idea
"Giving more Quality and risk aversion deposits"
| 2 years ago
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As the banks are aware, they know their clients and their needs. Their demand on deposits will be with hope of flight on quality and on major risk aversion. The retail banking should focus on such demands of its clients.
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Ideate: "What will attract retail deposits in a world where rates remain low?" deleted from your view.
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(rate this)
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Yes
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10
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VS |
7
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No
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Prangya Pradeep Mohanty
| Argues in support of
"Yes"
| 1 year ago
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M shop facilities provided by the bank is relay a nice feature it will not only save your time but also protecting the country economy from fake & duplicate currency network but it is only effective if total security is provided to the consumer....
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SHRIKANT MANOHAR DANKE
| Argues in support of
"No"
| 1 year ago
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It will not for coming 10 years, after that it might take a new height.
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Dinesh Agarwal
| Argues in support of
"Yes"
| 2 years ago
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What we are seeing through SBI is just tip of the iceberg. M shopping is going to spread just like mobiles. This will further eliminate use of credit/debit cards/cash, personal visits and transaction delays. It offers a huge opportunity in...
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Debate: "Mshop facilities introduced by the banks: Will it be a success?" deleted from your view.
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(rate this)
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Yes
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2
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2
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No
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Niranjan Meena
| Argues in support of
"No"
| 2 years ago
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I dont agree because these reports may reflect only the changes from the past which had happened recently. The provisional policies and the bank reforms may reflect a huge change in the coming years. The final outcome would depend the future...
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Jyoti Rath
| Argues in support of
"Yes"
| 2 years ago
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As i know, the main concern in the Indian banking system would be the deteriorating asset quality and the volume of restructured loans.The change in credit outlook reflects the deceleration of the Indian economy in the context of the global...
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Debate: "Do you agree that the Credit outlook of the Indian Banking System has gone low due to crisis?" deleted from your view.
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(rate this)
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Yes
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2
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VS |
1
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No
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RAMANATHA PRABHU N
| Argues in support of
"Yes"
| 2 years ago
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You know that funds are blood for the economy, it should reach all parts of the body, similar is the case for economy too, funds should reach all parts of the economy for balanced growth. So economy is very sensitive depending on availability of...
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Esha Johar
| Argues in support of
"No"
| 2 years ago
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There are three areas that cry out for improvement. The first is the composition of PSB boards which need better people on the boards. These boards have independent directors as well as government nominees. The RBI lays down ‘fit and proper’...
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Debate: "Is the Impact of Banking reforms really affecting the Indian economy?" deleted from your view.
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(rate this)
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1
Adopt the philosophy of `convenience banking'
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Online banking trend
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Manish N Chugh
| Added idea
"Many other financial services along with core banking."
| 2 years ago
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Most of the PSU banks only provide core banking services compared to their peers. Therefore, this can be a big hurdle for customer retention and higher growth in near future. Therefore, if banks can come in with many other financial services like...
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Archana Singh
| Added idea
"Pave way for retail credit"
| 2 years ago
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The fear of purchasing on credit has receded considerably. In my opinion, unlike in the past, consumers are comfortable with the idea of purchasing electronic equipment, homes, home furnishing and numerous other requirements on credit. In fact,...
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Ideate: "How can retail banks tap with the next generation customers?" deleted from your view.
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(rate this)
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1
ARRANGE SOME SEMINAR
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Naushad Ansari
| Added idea
"ARRANGE SOME SEMINAR"
| 2 years ago
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ACCORDONG TO ME, WE CAN ARRANGE SOME SEMINAR ON REGULAR BASIS, SO THAT STUDENTS CAN ENHNCE THEIR KNOWLEDGE IN THE RESPECTIVE FIELD. AND WE ALSO SHOULD ARRANGE SOME BANKING INDUSTRY VISIT SO THAT A PRACTICAL KNOWLEDGE CAN BE EARN DURING PERSUING MBA.
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Ideate: "BANKING SECTOR FOR MBA's" deleted from your view.
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(rate this)
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It will controle fuel consumption
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2
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0
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It will not controle fuel consumption
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RAMANATHA PRABHU N
| Argues in support of
"It will controle fuel consumption"
| 2 years ago
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When we depend on the import of fuel for vehicle and other requirements, controlling fuel comsumption has become inavitable for us. A good share of out flow of currency is by way of said import, it effcets balance of payments position adversly....
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Debate: "Tax on vehicles based on fuel efficiency" deleted from your view.
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Recovery of its due has been a hectic exercise for the Banks in the absence of a special legislation. ‘Non-performing Assets’ were growing and a need was felt to reduce the ‘Non-performing Assets’ of the Banks drastically. As the recovery through Courts was a difficult exercise for the Banks, initially, a special legislation called ‘The Recovery of Debts due to Banks and Financial Institutions Act, 1993’ was enacted creating a Special Tribunal called ‘Debt Recovery Tribunal’. Under the Act, the Banks are entitled to approach the Tribunal by filing an ‘Original Application’ which is similar to filing a suit in Civil Court proceedings. However, unlike the ‘Civil Court’ which is supposed to follow the ‘Civil Procedure Code’, a special and simple procedure has been prescribed under ‘The Recovery of Debts due to Banks and Financial Institutions Act, 1993’. At the end of adjudication, the Tribunal is supposed to grant a certificate called ‘Recovery Certificate’ infavour of the Bank...
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