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Save the Planet

Coal no more!

With the advancement of technology, wind and solar projects are much cheaper top build in any scale as compared to the coal counter parts. Everyone wants change and want their governments to switch to renewable sources. But it isn’t happening at the pace you would have imagined. For a change you will have to bring […]

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Thoughts 2.0

History of Swastika

The Swastika is a very ancient symbol and has been around for probably 5000 years. It is taken many meanings until the last one degraded its use. This symbol had been a sign of good fortune for nearly every ancient civilization starting from the Egyptian to roman. The Ancient Greeks also used single swastika motifs to […]

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Thoughts 2.0

The Greece Debt Crisis

Greece crisis in short is about the defaults in payment to the IMF. This means that Greece economy doesn’t generate enough money to pay its debts.What is EU?EU is an union of mostly European countries established for mutual benefit of the states in terms of political and economical stability. EU aimed to have a common […]

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Everything Else

Cardinal Principles of lending

A bank is an institution which is primarily seen as a body that accepts monetary deposits from its customers (general public), looks after their money, offer them some beneficial services such as cheque books to make payments and lends money to other public (borrowers). Now lending money to someone comes with some inherent risks especially […]

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Everything Else

Investment Fluctuation Reserves

Investment Fluctuation Reserves: IntroductionInvestment fluctuation reserves are the reserves built up within many accumulation-style superannuation funds. The main purpose is smoothening the year-to-year returns credited to member accounts. These reserves are established by not distributing some of the investment income when fund earnings are high. When the earnings are low, the investment reserves are then […]

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Need for Cash Balances with Banks

The banking system in any country in the world is the lifeline of its economy. As long as the money the banking system generates is circulated in the economy, the country will be running smoothly and efficiently. However, as soon as this money supply is stopped, it becomes a serious cause for concern. If capital […]

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Valuation of Bank Investments

Banks are the institutions that deals in money and its substitutes and provide other financial services. The main function of a bank is to act as an intermediary between money surplus units (lenders) and money deficit units (borrowers). Bank also does the job of an advisor or analyst that evaluates various money deficit units so […]

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Cash and Balances with RBI

Behaviour of Banks with regard to cash and BalancesTo understand the behaviour of banks with regard to cash and balances, first we need to understand what cash is how it is related with RESERVE BANK OF INDIA. Also how it impacts banks and economy.Cash Reserve Ratio is the amount of money which Banks have to […]

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Market Risk Management

IntroductionRisk may be defined as an exposure to uncertainty which may lead to a favorable or unfavorable outcome. Market risk   refers to the risk of losses in the bank’s trading book due to movements in market prices. Risk taking forms an essential part of business. All businesses take risks based on two factors: the probability […]

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Everything Else

Why do Banks Invest

What is Banking?Banking can be defined as the business activity of accepting and safeguarding money owned by other individuals, and for earning profit they lend this money. But as the time passes by the activities covered by banking business have widened and now various other services are also offered by banks. Banking services issue debit […]