Finance Management

Margin of Safety: “Safety Net ” – tells the amount by which sales can be reduced before you reach break -even point. Formulae: Margin of Safety (units) = amount by which total sales can fall before losses are incurred Total Sales – Break-Even Sales Margin of Safety % = % total sales can fall before losses are incurred (Total Sales – Break-Even Sales) / Total Sales

In the world of banking and finance nothing stands still. The biggest change of all is in the, scope of the business of banking. Banking in its traditional from is concerned with the acceptance of deposits from the customers, the lending of surplus of deposited money to suitable customers who wish to borrow and transmission of funds. Apart from traditional business, banks now a days provide a wide range of services to satisfy the financial and non financial needs of all types of customers from the smallest account holder to the largest company and in some cases of non customers. The range of services offered differs from bank to bank depending mainly on the type and size of the bank.

Retail banking is, however, quite broad in nature - it refers to the dealing of commercial banks with individual customers, both on liabilities and assets sides of the balance sheet. Fixed, current / savings accounts on the liabilities side; and mortgages, loans (e.g., personal, housing, auto, and educational) on the assets side, are the more important of the products offered by banks. Related ancillary services include credit cards, or depository services. Retail banking refers to provision of banking services to individuals and small business where the financial institutions are dealing with large number of low value transactions. This

Introduction: Banking sector The Indian Banking industry governed by the Banking Regulation Act of India, 1949, falling into two broad classifications, non-scheduled banks and scheduled banks. Within the commercial banks there are nationalized banks, the State Bank of India and its group banks, regional rural banks and private sector banks (the old/ new domestic and foreign). With the economic growth picking up pace and the investment cycle on the way to recovery, the banking sector has witnessed a transformation in its vital role of intermediating between the demand and supply of funds. The revived credit off take (both from the food and non food segments) and structural reforms have paved the way for a change in the

Part II. The following two questions relate to heritage assets and biological assets (65 marks)

In this assignment I will summarise the difference between start-up and running costs, which will include a table showing these. Along with, summarising the difference between fixed and variable costs which will also including a table showing these. I will then write a

Research Methodology: The research is exploratory in nature and the study uses the latest available published secondary data for the years 2008-2013 compiled from Report on Trends and Progress of Banking in India RBI. For the purpose of analysis of data appropriate trend and percentage analysis is used.

JPMorgan Chase & Co. (NYSE: JPM), one of the largest banking institutions in the United States, reported third-quarter 2015 net income of $6.8 billion, or $1.68 per share, on revenue of $23.5 billion. However, the exclusion of unusual items such as tax benefits, legal expenses, and net reserve releases depressed net income to $5.4 billion, or $1.32 per share. These results surprised analysts as the financial services company failed to thrash the consensus estimate from 29 analysts of $1.38; which led to an immediate plunge of 1.56% in the stock price.

Financial Management refers to the proper management of finance functions of an enterprise or organization. In other words, financial management is concerned with the financial decision-making and other financial aspects. Thus, financial management involves financial planning, financial organization, financial coordination and control, financial reporting, financial mergers, combinations and acquisitions, insurance and tax management etc. Financial planning is concerned with the act of deciding in advance the financial activities that are essential if the enterprises are to achieve their financial goals and objectives. These

I certify that this thesis satisfies the requirements as a thesis for the degree of Master of Science in Banking and Finance.

Chapter - III focuses on the Profile of the Selected Commercial banks in India. Here, two different categories of banks namely, Public, Private Banks have been taken into account.

Internship Report submitted to SIU in partial completion of the requirement of MBA Banking Management at Symbiosis School of Banking Management

Department of Banking and Finance, Midlands State University, P Bag 9055, Senga, Gweru. 2 Department of Banking, National University of Science and Technology P O Box AC939, Ascot Bulawayo. 3 Department of Banking, National University of Science and Technology P O Box AC939,

• Lack of Data: If anyone can gather primary data to the bank employee and personal observation, But this data is not proper for writing a report. Secondary data is only the annual report, library report and website information. But in the website information should updated that was not properly given.

Currently, the overall banking in India is considered as fairly mature in terms of supply, product range and reach even though reach in rural India still remains a challenge for the private sector banks. Well computerized private sector banks are beginning to compete seriously with the nationalized banks. They aim at a profitable and wealthy part of the market and, in contrast to the nationalized banks, do not recognize any social responsibilities to small account holders or to a rural and semi-urban clientele. Almost 80% of the business are still controlled by Public Sector Banks (PSBs). PSBs are still dominating the commercial banking system.