Search icone
Search and publish your papers
Our Guarantee
We guarantee quality.
Find out more!

Analysis of assets for the SME sector

Or download with : a doc exchange

About the author


About the document

Published date
documents in English
term papers
29 pages
0 times
Validated by
0 Comment
Rate this document
  1. Introduction
  2. Purpose and scope of the study
  3. Methodology and objective of the study
  4. Review of literature
  5. Small and medium enterprise
    1. Introduction and definitions
    2. Importance and characteristics
    3. Advantages and challenges and opportunities
    4. Growth significance
    5. Leveraging opportunity
    6. Organizational division
  6. Product profiles
    1. Trade products
    2. Assets products
    3. Asset classes
    4. Asset characteristics
  7. Data analysis and interpretation
    1. Analysis of Growth Significance of SME's
  8. Findings and conclusion
  9. Bibliography

The Small and Medium Enterprise Group (SMEG) segment is one of the highest contributors to the financial wealth of the THE Bank, and in the context of an aggressively expanding Commercial Bank focusing on consumer credit, it assumes great significance in overcoming the three main challenges that banks are faced with today, namely, the liquidity crunch, quality of assets, and global penetration .The current economics of globalization and trade have contributed conspicuously towards the opening up of a surge of possibilities for the Bank. Therefore a mention of how THE Bank has reacted to the changing market dimensions, and turned that into its business strength has been identified.

The future of SME's is of prime significance to the economy, the importance and indispensability of which shall be discussed shortly. However, if one needed to summarize in just a few words the reasons behind their growing pertinence, it would suffice to say, that SME's stand for a model of growth, the potential for which seems endless, and the strength of which lies on their sheer contribution towards economic stability for many.

Any talk of reshaping the industrial sector of the economy would include strategizing on the untapped opportunity that exists in this segment. Be it on account of their representation of a socio economic model that emphasizes careful use of imported capital, labor intensive mode of production, employment generation, better understanding of, and adaptability to the industrial environment, or because of their tremendous export potential with the ability to develop the desired entrepreneurial skills; there has always been a considerable emphasis on their scope and importance.

[...] Interpretations: Under Business of banking group, forward contract makes the highest contribution with 58% Bills have the contribution with 22% to the SMEG business 15% contribution is made by remittances Letter of credit makes contribution to the BBG under SMEG business Derivatives has the lowest contribution with Interpretations: Under Medium Enterprise Group (MEG) again there is the highest contribution by the forward contract with 91% to the SMEG business Derivatives has the second highest contribution with contribution has been made by Bills Remittances makes it to contribution Interpretations: Under Cluster Banking Group forward contract has the highest contribution of 58% to the Small and Medium Enterprise group business 22% contribution is made by the Bills Remittances makes upto 15% of the total contribution of SMEG business Letter of credit has the contribution of to the Small and Medium Enterprises business contribution made by the Cluster Banking Group to the SMEG business Competitor Analysis of Assets Introduction Both the opening up of economy and gradual lowering of tariff barriers has exposed the corporate sector to risk of foreign competition. [...]

[...] The advantages of MEGA Account are: Quick payout No documentation No security collateral or approvals The overdraft facility can be used at customer's discretion for one year Small Business Loans: These loans are given to general SME customers. They need not have a current account with the Bank. The requirements in the case of SBL is 3 yrs vintage Should be working in same premises for 3 years Net worth should be more than 5 lakhs Turnover should be more than 25 lakhs per annum Debtors turnover ratio should not cross 120 days, which is calculated as (Debtors Turnover + Closing Stock) * 365 / Sales There is no fixed interest rate. [...]

[...] On account of the limited strength of their clients, the CBG is allowed only one relationship executive who is responsible for maintaining business relations. Business Banking Group The BBG is the most extensive structure and is also one of the forerunners of the revenue show. It is the only group which deals with the opening of customer Current Accounts. There is a definite hierarchy to the manner in which the BBGs are organized. However, for the efficient running of the various departments under the BBG category, each of the former are backed by different support groups, for both the liability as well as the asset based businesses. [...]

Top sold for finance

The case of H&M and Inditex

 Economics & finance   |  Finance   |  Case study   |  09/29/2010   |   .pdf   |   5 pages

The O.M. Scott & Sons Company - Financial analysis

 Economics & finance   |  Finance   |  Case study   |  11/22/2016   |   .doc   |   12 pages

Recent documents in finance category

International finance distribution of currency of AUD and USD

 Economics & finance   |  Finance   |  Worksheets   |  08/05/2017   |   .doc   |   4 pages

The O.M. Scott & Sons Company - Financial analysis

 Economics & finance   |  Finance   |  Case study   |  11/22/2016   |   .doc   |   12 pages