BANES

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BANES
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ABOUT

• Protection from losses.
• Corporate to bank.
• Lump sum amount.

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FUNCTION
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CLAUSES TO AGREEMENT

• ROI remains fixed and does not change by change
  in market rates.
• Loss incurred should be 1/4th more than amount
  invested.
• Balance sheet of past 5 years to be provided.
• Premature withdrawal only in case the company
  suffers a loss .
• Agreed Rate Of Interest in case of premature
  withdrawal
• Term of deposit ranges from 5 years to 20 years.

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GOALS

• Profit Maximization
• Large Cash Inflows
• Protecting losses

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• RECENT INNOVATIONS

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• SUBPRIME MORTGAGES
• RFID PAYMENT CHIPS
• MOBILE ATMS
• MOBILE BIOMETRIC ATMS

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SUBPRIME MORTGAGES

• Borrowers with poor credit histories.
• Market grew rapidly in the U.S about 20 of
  residential mortgage originations between 2004
  and 2006.
• End of 2007, subprime mortgages outstanding stood
  at 940 billion
• Down from over 1.2.

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RFID PAYMENT CHIPS

• Sony Corp.'s Felica RFID chip have hit 200
  million.
• In 2004- through Felica, owners integrated cell
  phones can make credit card purchases in stores.
• Tokyo's subway and private railway and bus
  operators launch a common travel card based on
  the Felica platform.

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MOBILE ATM

• To take banking services to the doorsteps in
  rural areas.
• Bank official travels along with the ATM.
• To bring the unbanked into the mainstream
  FINANCIAL INCLUSION.
• ATM compatible KISAN CARDS.

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MOBILE BIOMETRIC ATMs

• Flagged off by Andhra bank on 21.05.2007.
• Finger print registration.
• Dual facility.
• Halted at different locations as per the week's
  schedule.

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credits

• Nikita Bhatia 7
• Rahul Bhatia 8
• Ayesha Chowdury 10
• Krunal Jain 20
• Nikhil Jagiasi 18
• Pratik Sharma 46
• Rahul Sharma 47
• Ankit J Sheth 48
• Raahi Bhansali 58