Verall Performance Review of Ksfe Ltd Thrissur

There are various categories of banking; these include retail banking, directly dealing with small businesses and persons. Commercial and Corporate banking which offers services to medium and large businesses (Koch & MacDonald 2010). Private banking, deals with individuals, offering them one on one service. The last category is investment banking. These help clients to raise capital and often invest in financial markets. Most global banking institutions provide all these services combined. With all these institutions in existence within the same localities and offering similar services, there is a need to regulate the industry so as to protect the consumer and provide fair working environment for all banks (Du & Girma, 2011).

■Financial co-operatives. These organizations operate much like banks, accepting deposits from members, giving loans, and providing chequing services (e.g., credit unions).

Randall submits that building firewalls and Chinese walls will abolish the synergies between financial and non-financial institutions. In addition, Randall also points out that government should restrict the areas where synergies is not required to cancel out by building Chinese walls and where the risk is acceptable rather than stop supporting creditors of fragile banks. Randall suggests that there should be barrier for non-banks to enter into banking sector in order to avoid the enlargement of safety net (Randall, 63-74).

Unbanked, as defined by the Federal Deposit insurance Corporation, or FDIC, is a Household that do not have a checking or savings account and have used alternative financial services like money order, check cashing, remittance, payday loans, etc.

Nonprofits can be described as organizations that are held exclusively separate from the government, whether it be a local governing body or the federal government. Nonprofits are also known as the middle men and

Bank holding companies, including diversified financial holding companies formed under the Gramm-Leach-Bliley Act of 1999 and foreign banks with U.S. operations

Outside the U.S. (e.g. Japan), non-financial services companies are permitted within the holding company. In this scenario, each company still looks independent, and has its own customers, etc. In the other style, a bank would simply create its own brokerage division or insurance division and attempt to sell those products to its own existing customers, with incentives for combining all things with one company.

In the context of mandatory registration of NBFCs with the Reserve Bank, as also consistent with the policy of bestowing greater operational freedom to banks in the matter of credit dispensation, the ceiling on bank credit linked to Net Owned Fund (NOF) of such companies has been withdrawn in respect of all NBFCs which are statutorily registered with RBI and are engaged in principal business of equipment leasing (EL), hire-purchase (HP), loan and investment activities. (RBI Notification /2004-05/14)

As the financial analyst of the company, this report is written in respect to how the financial position of the company can be improved. This report is aimed for the senior management team.

Among the five forces of competition; existing competitive rivalry between suppliers, threat of new market entrants, bargaining power of buyers, power of suppliers and threat of substitute products, the most significant for UnitedHealth Group are threats for substitute products and rivalry among competing firms. Given the fact that there are numerous healthcare insurance firms in the world; there are also a number of substitutes for the corporation products and services. In recent years, the banking industry has become involved in insurance activities. They provide some medical plans, which act as substitutes to the UnitedHealth Group products. Banc assurance, otherwise known as the bank insurance model, is a very common phenomenon in this global world. Banc assurance is an arrangement in which a bank and an insurance company form a partnership so that the insurance company can sell its products to the bank’s client base. This type of partnership can be profitable for both, the bank and the insurance company. Banks can earn additional revenue by selling the insurance products and insurance companies are

NAXCAR and Bank of America have been keeping relationship since very long time ago, therefore, they know each other very well, which avoids unnecessary uncertainty.

Normally banks offer a suite of services over and above taking deposits and lending money, but Non-banking financial Services Company could offer similar service in some extent like insurance, mutual funds or fixed income securities. In the case of lending sides, bank also faces unconventional companies like General Motor, Sony or Microsoft offer preferred financing to customers who buy big items with relatively low cost.

-Depository institutions are those that receive their money from customer deposits. Non-depository institutions are those that receive their money from other sources. Depository takes money from their customer accounts non-depository does not.

Banks: Commercial banking services: It is commonly referred as 'Bank '. A commercial bank distinguishes itself from investment bank, which is a financial service which doesn 't lend money to the business directly, but instead helps businesses raise money from other firms in the form of stocks or bonds.

In partial fulfillment for the requirement of “Management Financial System” course in two years full time Masters of Business Administration (MBA) programmed of Gujarat Technological University (GTU)