Consumer Finance Universal Banking

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  2. 2. Universal Banking A banking system in which banks provide a wide variety of financial services, including both commercial and investment services. Universal banking and private banking often coexist, but can exist independently. 2 1
  3. 3. Consumer Finance It is the division of retail banking that deals with lending money to consumers. Durables which are financed are Television, Washing Machine, Air Conditioner, DVD/VCD players, Refrigerator, Computers/laptops And other consumer durables 3 2
  4. 4. SME SECTOR SMEs are defined as enterprises with fewer than 500 employees. Firms range from one-person consulting shops to larger, publicly traded companies. SMEs are present in almost every industrial sector. Small firms are defined as producers of goods with fewer than 100 employees or purveyors of services with fewer than 50 employees. 4 3
  5. 5. OBJECTIVES OF SME Primary Objective Secondary objective 5 4
  6. 6. 6 NEED FOR SME Being innovative Adapting to change Partnering with large businesses 5
  7. 7. RETAIL LENDING Retail lending is the term used to describe any type of loans that are issued to individual consumers rather than to businesses or other types of institutions. 7 6
  8. 8. Types of Retail Loans Housing Loan Educational Loans Vehicle or Auto Loans Personal Loans 8 7
  9. 9. RETAIL LENDING IN INDIA Retail lending in India has fast emerged as one of the major drivers of the overall banking industry and has witnessed enormous growth in the recent past. 9 8
  10. 10. MICRO FINANCE Microfinance is a source of financial services for entrepreneurs and small businesses lacking access to banking and related services. 10 9
  11. 11. BANCASSURANCE 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 It's a combination of the term 'Bank' and 'Insurance'. It means that insurance have started selling their product through banks. 11 10
  12. 12. There are basically four models of bancassurance: Distribution alliance between the insurance company and the bank. Joint venture between the two companies. Mergers between a bank and insurer. Bank builds or buys own insurance products. 12 11
  13. 13. RETAIL BANKING Retail banking is when a bank executes transactions directly with consumers, rather than corporations or other banks. Fast Growth of the middle class SME banking is the driver for economic growth Access to financial services for the un banked 13 12
  14. 14. CONCLUSION 1. Interest rates 2. Credit Rating 3. Agencies 4. Fraud 14 13
  15. 15. REFERENCES Wikipedia nking.asp nance.html lending.htm 15 14
  16. 16. THANK YOU 16 15