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7/23/2019 BPO_Session2.pptx
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Banking Products &
Operations
Session3
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Small and Medium Enterprise Sector& Commercial Banking
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Personal Banking
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Banking Accounts PersonalBanking
Types of Accounts :
• o !rill account" o minimum #alance$ restricted no. of free transactions$ de#it card$c%eue #ook facility$
'nternet #anking $ mo#ile #anking
• Sa(ings accounts" Minimum #alance$ ATM )e#it cards$ c%eue #ook$ ot%er facilities $ internet#anking$ mo#ile #anking $ *allet Banking etc
• Salary Account- Sa(ings account linked to direct salary credit from employers +Opened
from Corporates $ Commercial esta#lis%ments for t%eir employees,$ some
banks give Overdraft on Salary accounts & credit cards as additionalfacility.
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Account Opening Minimum
-euirements
• ./C 0 Address 1 ') Proof 1 P%otos
• -eference 2it% eisting ac %olders
•
Minimum Balance reuirements• omination
• -euest for ot%er facilities 0 C%eue
#ook$ internet #anking$ mo#ile#anking$ 2allet #anking
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Savings Deposits
• !ied )eposits
"S%ort term & 4ong term
• -ecurring )eposits +mont%ly sa(ings,
• Ta Sa(ing deposits
• 4inked deposits accounts 2it%
sa(ings acs
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Personal Banking " 4ending
• Personal 4oans +5nsecured,
• 6ome 4oan +Secured,
• 4oan for purc%asing sites +for #uilding %ouses,
•
4oan Against Properties +Secured,• 7old 4oan +Secured,
• 4oan against Securities +Secured,
" 4oan against s%ares$ de#entures$ term deposits$
•
O(erdraft against 8ed deposits +Secured,• O(erdraft for salary accounts +5nsecured #ut linked
to employment,
• 4oan on Credit Cards+5nsecured,
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Personal Banking " 4endingcontd9
• Personal 4oans +5nsecured, 1Credit Cards
• Credit C%eck 2it% Credit -ating Agencies
C'B'4 : +Credit 'nformation Bureau of 'ndia 4td,
" C'B'4 collects and maintains records of anindi(iduals payments pertaining to loans and creditcards9 T%ese records are su#mitted to C'B'4 #ymem#er #anks and credit institutions$ on a mont%ly#asis9 T%is information is t%en used to create Credit
Information Reports (CIR) and credit scores wicare provided to credit institutions in order to elpevaluate and approve loan applications.
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Credit -ating 0 C'B'4"Credit-ating
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Personal Banking " 4endingcontd9
;C'B'4<-ating of a#o(e =>? is preferred#y most #anks for Personal 4oan &ot%er unsecured 4ending +loans,
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Cas%less #anking & Payment
Systems
• )e#it Cards: +Master 1 @isa, 2it% C%ip & Pin Security facility
• 4inked to sa(ings 1 current account
• Also called a c%eue card
• Money is de#ited from t%e account as soon as t%e money is
2it%dra2n or spent- Cas% 2it%dra2al at ATMs 1 online payment 1 Payment at point of
sale
- C%ip & P' 0 Added security + digit P' (eri8cation at POS,
- Online Payment 0 Security : Pass2ord encryption 1 P' 1 C@@1Mo#ile OTP +one time pass2ord,
- @eri8ed #y @isa
- Cas% 2it%dra2al limits at ATM
- Epiry date
- Add on Security de(ices
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Cas%less #anking & Payment
Systems
• Credit Cards +Master 1 (isa,Credit cards are lines of credit9 *%en you use a credit card$ t%eissuer puts money to2ard t%e transaction9 T%is is a loan you areepected to pay #ack in full +usually 2it%in 3? days,$ unless you
2ant to #e c%arged interest9- 'ssued #ased on credit rating and reuirements
- Online transactions 1 POS 1 Cas% 2it%dra2al
- Credit card #ills to #e paid as per #illing cycle
- Security 0 e2 C%ip & P' 0 POS 0 P' to #e
updated #y t%e user 1@eri8ed #y (isa
- Cas% 2it%dra2al limits
- Credit Card linked 2it% commercial esta#lis%ments9
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Sample )e#it 1 Credit Card
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Backside of t%e card
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Prepaid Cards
Prepaid Card:+ +also 7ift Cards,
• Card%olders can use prepaid cards to pay (ariousmerc%ants payments and e"Commerce transaction9 Somecards can also #e used for 2it%dra2ing cas% at ATMs9
•
Card%olders can make purc%ases or get cas% 2%en t%eyneed it rat%er t%an carrying large sums of cas%9
• Access to funds on a prepaid card is protected #y a P' atATMs and card%olders signature and at merc%ant locations9
• A prepaid card can #e replaced on reuest$ if lost or stolen9
• Better 8nancial management• !or people witout a bank account $ prepaid cards pro(ide
t%e con(enience and security of a card product 2it%outreuiring an eisting #anking relations%ip or credit %istory9
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'nternet Banking
• 'nternet #anking portal pro(ides personal #anking ser(icest%at gi(es customers complete control o(er all #ankingdemands online9
• Banks pro(ide log in id & Pass2ord9 Some #anks pro(ideadditional security features 0 de(ices$ OTP for secured online#anking
• Separate pass2ord for log in and online transaction ispro(ided9
• 7enerally t%ere are no c%arges for internet #anking as t%isfacility sa(es cost for t%e #ank
• Customer can do most transactions no2 days t%roug% online #aking9 0 transfer of funds$ application of loans$ ordering of c%eue #ooks$ raising of complaints$#ill payments etc
Security : Ot%er t%an Pass2ord protection$ add on security de(ices $ OTP$ot%er Security protection (aries from #ank to #ank9
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Telep%one Banking
• Telephone banking is a ser(icepro(ided #y a bank t%at ena#lescustomers to perform a range of
8nancial transactions o(er t%etelephone$ 2it%out t%e need to (isita bank #ranc% or automated teller
mac%ine9
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Telep%one Banking
• Telep%one Banking makes it easy forcustomers to manage t%eir money2%ene(er t%ey 2ant9
• T%e automated ser(ice +'@-,'nteracti(e @oice -esponsi(e systemis simple to use9
• Banks follo2 strict (eri8cationprocess #efore t%ey transact any#usiness9
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Mo#ile Banking
• Mobile Banking Service overApplication/ Wireless ApplicationProtocol (WAP)
• T%e ser(ice is a(aila#le on a(a ena#led1Android mo#ile p%ones +2it% or 2it%out7P-S, 1i"p%ones 2%ere t%e user is reuiredto do2nload t%e application on to t%e
mo#ile %andset9 T%e ser(ice can also #ea(ailed (ia *AP on all p%ones +a(a1non a(a, 2it% 7P-S connection9
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Functionalities in Mobile banking
• Funds transer (!ithin and outside the bank)
• "##ediate Pa$#ent Services ("MPS)%
• &n'uir$ services (Balance en'uir$/ Ministate#ent)
• he'ue book re'uest
• De#at &n'uir$ Service
• Bill Pa$#ent (tilit$ bills* credit cards*
"nsurance pre#iu#)* Donations*Subscriptions
• Mobile /DT+ Top up
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Mobile Banking Service over SMS%
• T%e ser(ice is a(aila#le on all p%ones9
• Ordinary SMS c%arges are applica#le9
• The ollo!ing unctionalities are available%
•
&n'uir$ Services (Balance &n'uir$/MiniState#ent)
• Prepaid Mobile / Mobiash !allet Top up
• DT+ ,echarge
•
"MPS Fund transer - (Mobile nu#ber . MM"Dand Account u#ber . "FS ode)
• hange MP"
• "MPS Merchant pa$#ents
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Payment 1 Transfer facilities
E!T:
• ational Electronic !unds Transfer +E!T, is a nation"2ide payment system facilitating one"to"one fundstransfer9
• 5nder t%is Sc%eme$ indi(iduals can electronicallytransfer funds from any bank branc to any individualaving an account wit any oter bank branc in tecountry participating in te Sceme.
•
Transfer timing :Monday to Saturday "+Ecept Dnd andt% Saturday, :?? AM to F:3? PM
• Maimum up to -s G? 4ak% 2it% (arying c%arges
•
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Payment 1 Transfer facilities
-T7S :
T%e acronym -T7S stands for -eal Time 7rossSettlement$ 2%ic% can #e de8ned as t%e continuous +real"
time, settlement of funds indi(idually on an order #y order
#asis +2it%out netting,9-eal Time means t%e processing of instructions at t%etime t%ey are recei(ed rat%er t%an at some later time9
7ross Settlement means t%e settlement of funds transfer
instructions occurs indi(idually +on an instruction #y
instruction #asis,9Considering t%at t%e funds settlement takes place in t%e#ooks of t%e -eser(e Bank of 'ndia$ t%e payments are 8nal
and irre(oca#le9
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-T7S contd
• T%e -T7S system is primarily meantfor large (alue transactions9
• T%e minimum amount to #e remitted
t%roug% -T7S is -s D lak%9 T%emaimum limit is -s G? lak% per day9
• Amount a#o(e -s D lak% upto -s >
lak% " -s D> H Ser(ice TaAmount a#o(e -s > lak% upto -s G?lak% " -s >? H Ser(ice Ta
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Payment 1 Transfer facilities
'MPS:
T%e 'MPS +'mmediate Payment Ser(ice, from transfer funds instantlyand securely9
/ou can send money et#anking on an internet"po2ered laptop orPC9 Transfer funds from your #ank account to any #ank account9
T%e #ene8ciary account is credited immediately 2%en a fund transferreuest is made
T%is ser(ice is a(aila#le D=$ t%roug%out t%e year including Sundaysand any #ank %oliday9
'MPS ser(ice can #e used to transfer funds anytime$ from any2%ere
using internet #anking$ mo#ile #anking9!or transfer t%roug% mo#ile$ MM') +Mo#ile Money 'denti8cationnum#er is reuired,
T%roug% 'nternet : up to -s D 4ak%s T%roug% Mo#ile : 5p to -sG?$???1"
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'!SC code
• 'ndian !inancial System Code +'!S Code, is analp%anumeric code t%at uniuely identi8es a #ank"#ranc% participating electronic funds transfer system9
• T%is is an GG"c%aracter code 2it% t%e 8rst four
alp%a#etic c%aracters representing t%e #ank name$and t%e last si c%aracters +usually numeric$ #ut can#e alp%a#etic, representing t%e #ranc%9
• T%e 8ft% c%aracter is ? +Iero, and reser(ed for futureuse9 Bank '!S Code is used #y t%e E!T & -T7Ssystems to route t%e messages to t%e destination#anks1#ranc%es9
• !ormat of '!S Code is mentioned #elo2
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M'C- Code
• 't stands for Magnetic 'nk C%aracter-ecognition9 T%is num#er %elps a#ank to recogniIe t%e #ank and
#ranc% t%at issued t%e c%eue9
• C%eues are sorted t%roug% ac%eue reading mac%ine 2%ic% uses
t%is num#er to identify t%e #ank and#ranc% a c%eue #elongs to9
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M'C- code in C%eue
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Bancassurance
T%e #ank insurance model +B'M,$ alsosometimes kno2n as #ancassurance$ is t%epartners%ip or relations%ip #et2een a #ank
and an insurance company 2%ere#y t%einsurance company uses t%e #ank salesc%annel in order to sell insurance products$an arrangement in 2%ic% a #ank and an
insurance company form a partners%ip sot%at t%e insurance company can sell itsproducts to t%e #anks client #ase9
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Bancassurance contd9
B'M allo2s t%e insurance company to maintain smaller directsales teams as t%eir products are sold t%roug% t%e #ank to#ank customers #y #ank staJ and employees as 2ell9
T%e #ank and t%e insurance company s%are t%e commission9
'nsurance policies are processed and administered #y t%einsurance company9
T%is partners%ip arrangement can #e pro8ta#le for #ot%companies9 Banks can earn additional re(enue #y selling t%einsurance products$ 2%ile insurance companies are a#le to
epand t%eir customer #ase 2it%out %a(ing to epand t%eirsales forces or pay commissions to insurance agents or#rokers9
4ife 1on"4ife +7eneral 'nsurance Products, are sold
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Some of t%e insurance products sold
in #anks
• 4ife 0 Term insurance
• Medical 'nsurance 1 O(erseas Medical'nsurance
• @e%icle 'nsurance +t2o 1 car 1 Tractor,
• !ire Policy +for 6ome 1 Apartments,
•
Personal Accident Policy• 'n(estment linked insurance policies
• Professional 'ndemnity Policies
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Foreign urrenc$ Services
• Buying 1 Selling of !oreign Currencies – Kuotes : Bid 1 Ask Eg: E5-15S): 9L=DF 1 9L=3G
T%e 8rst component +#efore t%e slas%, refers to t%eB') price +2%at you o#tain in 5S) 2%en you sell E5-,9
'n t%is eample$ t%e B') price is 9L=DF9
T%e second component +after t%e slas%, is used too#tain t%e AS. price +2%at you %a(e to pay in E5- ifyou #uy 5S),9
'n t%is eample$ t%e AS. price is 9L=3G9 T%e diJerence #et2een t%e #id and t%e ask price isreferred to as t%e spread9
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!oreign Ec%ange Ser(ices
• Out2ard -emittance in form of!oreign currency
• )emand drafts and *ire transfer$ Tra(el Card$ !oreign Currency otesand Tra(elers C%eues9
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!oreign Currency Ser(ices -ates
sample
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"nvest#ent . Trading Services%
• 'n(estments in Mutual !unds
• -etail Sale of 7old coins
• 7old )eposit Sc%eme +7)S, is in t%e nature
of a 8ed deposit in gold9 T%e customerscan deposit t%eir idle gold under 7)S 2%ic%2ill pro(ide t%em safety$ interest earnings$ta #ene8ts and a lot more9
• Bonds
• S%are trading
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Stock 1 Commodity trading related
)emat account:
• 'n 'ndia$ s%ares and securities are %eld electronically
in a dematerialiIed +or )emat, account$ insteadof t%e in(estor taking p%ysical possession of
certi8cates9• A )ematerialiIed account is opened #y t%e in(estor
2%ile registering 2it% an in(estment #roker +or su#"#roker,9
•
To a(ail t%e ser(ices of a depository an in(estor isreuired to open a !ene"cial Owner (!O) account2it% a )epository Participant +)P, of any depository9
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*%at is a depositoryN
• A depository is an organisation 2%ic%%olds securities +like s%ares$de#entures$ #onds$ go(ernment
securities$ mutual fund units etc9, ofin(estors in electronic form at t%ereuest of t%e in(estors t%roug% a
registered )epository Participant9• 't also pro(ides ser(ices related to
transactions in securities9
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Bank Account & )epository "
Analogy
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5nderstand %o2 t%e demat account 2orks:
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5nderstand %o2 t%e demat account 2orks contd9
• Central depository: T%ere are t2odepositories in 'ndia 0 t%e C)S4 and S)49
T%ey %old all t%e demat accounts9 T%e centraldepository %olds details of your s%are%oldingon your #e%alf like #anks9
• 5niue '): Eac% demat account %as a uniuenum#er for identi8cation purposes9 T%is is t%enum#er you need to pro(ide for transactions9
T%e num#er 2ill %elp t%e ec%ange andcompanies identify you and credit t%e s%aresin your account9
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5nderstand %o2 t%e demat account 2orks contd9
)epository participants:
• Access to t%e central depository is pro(ided #y t%e )epositoryParticipants or )Ps9 T%ey act as t%e intermediary #et2een t%ecentral depository and t%e in(estor9 )Ps could #e #anks$#rokers or 8nancial institutions t%at are empo2ered to oJer
demat ser(ices9 /our Bank Su#sidiary could #e one suc%)epository Participant +)P,9 /ou open a demat account or aBene8cial O2ner +BO, accounts 2it% a )P$ 2%o 2ill pro(ideyou a uniue access to t%e central depository9
Portfolio %olding:
• T%e demat account %olds all your securities9 So$ 2%ene(er youc%eck your account$ you can see your portfolio %olding and itsdetails9 T%ese are updated automatically e(ery time youconduct a transaction 0 #e is #uying or selling a security9
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Opening a )emat account
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Bene0ts o a 1 in 2 De#at Account
Stock trading reuires t%ree diJerentaccounts:
• A Bank account to allocate andrecei(e money9
• A Trading Account to #uy and sells%ares and
• A )emat Account 2%ere t%ese s%aresare %eld9
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-elations%ip Bet2een )emat & Trading Account
• /ou can only store or rematerialiIe +con(ert #ack fromelectronic to p%ysical form, securities in your )emat account9
• !or #uying and selling s%ares$ you need to %a(e a Tradingaccount9 'n ot%er 2ords$ a )emat account is like a storagefacility 2%ile a Trading Account is t%e transacting medium to#uy and sell s%ares9
• Trading account is t%e only medium t%roug% 2%ic% you 2ill #ea#le to sell t%e s%ares t%at you are %olding in a )emat
account9
• Since t%e process of opening a trading account is simple$ youcan easily understand %o2 to operate your o2n account ande(en learn to plan to trade s%ares in t%e near future9
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Trading Account functions
• T%e trading account is t%e intermediary between your!ank account and your #emat account 2%en #uying andselling s%ares in t%e s%are market and is %andled #y t%e)epository Participant or t%e stock#roker t%at you %a(ec%osen9
• !or #uying s%ares$ t%e Trading account takes money fromyour Bank account and #uys s%ares 2%ic% are t%entransferred to your )emat account9
• !or selling s%ares$ t%e Trading account takes s%ares fromt%e )emat account and sells t%em in t%e stock market9
T%e capital generated is t%en sent to your Bank account9
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'n(estment Ser(ices " ASBA
ASBA account for 'PO+'nitial Pu#licOJer, " Application Supported #yBlocked Amount
is a process de(eloped #y t%e 'ndiasStock Market -egulator SEB' forapplying to 'PO9
In $S!$% an IO applicant's accountdoesn't get debited until sares areallotted to tem.
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=
Submission of ASBA Physically or Electronically to SCSB
Blocking the Application Amount by SCSB in Specified Account
Application Money to be Blocked until finalization of Allotment
Uploading the Application Data by SCSB in the Electronic
Bidding System
n Allotment! Unblocking the "ele#ant Bank Account and
$ransfer of "e%uisite Amount &ssuer's Account
Process for Submitting Bid $hrough ASBA Mechanism
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-' " )e8nition
• An on -esident 'ndian +-', is an 'ndian CitiIen2%o resides in 'ndia for less t%an one %undred &eig%ty t2o days during t%e course of t%e preceding8nancial year$ or
• 2%o %as gone out of 'ndia or 2%o stays outside 'ndiafor t%e purpose of employment$ or
• 2%o %as gone out of 'ndia or 2%o stays outside 'ndiafor carrying on #usiness or (ocation outside 'ndia$ or
•
2%o %as gone out of 'ndia or 2%o stays outside 'ndiafor any ot%er purpose indicating %is intention to stayoutside 'ndia for an uncertain period9
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P'O stands for Person of 'ndian
Origin
• A citiIen of a foreign country +ot%er t%an acitiIen of Banglades% or Pakistan, is a P'Oif %e1 s%e at any time %eld an 'ndian
passport O-• %e1 s%e or eit%er of %is1 %er parents or
eit%er any of %is1 %er grandparents 2as acitiIen of 'ndia
• O- %e1 s%e is a spouse +not #eing a citiIenof Banglades% or Pakistan, of an 'ndiancitiIen or +a, or +#, a#o(e9
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)ou#le Ta A(oidance Agreement +)TAA,
• 'n case of cross #order transactions$ t%eincome may #e taed in t%e %ome country+#asis ta residency, as 2ell as source
country +2%ere income is earned, leadingto dou#le taation of t%e same income9
• 'n order to a(oid t%is dou#le taation ofincome$ t%e %ome and t%e source country
mutually enter into ta treaty generallykno2n as )TAA9
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-' Ser(ices related
• -' account
• !oreign Currency Account
• -' sa(ings 1 )eposit accounts
• -' -emittances 0 S*'!T 1 *iretransfer
• !oreign Currency draft 1 C%euedeposits
• -O accounts
•
-E accounts
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-O account
• -O accounts may #e opened 1 maintained in t%eform of current$ sa(ings$ recurring or 8ed depositaccounts9
• T%ese are -upee accounts opened for t%e purpose
of depositing income earned in 'ndia once you mo(eo(erseas9
• T%ese accounts can #e %eld ointly 2it% -' and 1orindian residents
•
Opening of -O accounts in t%e name ofindi(iduals1 entities of Pakistan nationality1o2ners%ip$ entities of Banglades% o2ners%ipreuires prior appro(al of -eser(e Bank of 'ndia9
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-O account contd9
• T%e funds$ in t%is account$ cannot #e repatriatedoutside 'ndia 2it%out prior permission of -B'9
• 'nterest$ earned on t%ese accounts$ is$ %o2e(er$eligi#le for repatriation outside 'ndia$ net of 'ndian
taes 9• T%e general rate of 2it%%olding ta for -O interest
on sa(ings and deposits is 3? +plus applica#lesurc%arge and cess,9 'n case t%e customer %as a
(alid Ta -esidency Certi8cate +T-C,$ !orm G?! andPA $ t%e #ene8t of )TAA can #e etended and alo2er rate of 2it%%olding ta 2ill #e applica#le9
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-E Accounts
• -E accounts may #e opened1 maintained in t%eform of sa(ings$ current$ recurring or 8ed depositaccounts9
• T%ese accounts are opened for t%e purpose of
depositing income earned o(erseas9• T%e funds %eld in t%ese accounts can #e remitted
#ack o(erseas freely su#ect to terms and conditionsof t%e resident country9
•
'ncome from interest on #alances %eld in -Eaccounts is eempt from 'ncome Ta in 'ndia94ike2ise #alances %eld in suc% accounts are eemptfrom 2ealt% ta9
)iJ # t -E 1 -O
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)iJerence #et2een -E 1 -O
accounts
• -E account is freely repatria#le+Principal and interest earned, 2%ilet%e -O account %as restricted
repatria#ility i9e permittedremittance allo2ed from -O is up to5S) G million net of applica#le taes
in a 8nancial year after gi(ingundertaking along 2it% a certi8catefrom a c%artered accountant9
)iJ # t -E 1 -O
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)iJerence #et2een -E 1 -O
accounts
• Ta3 Treat#ent: -E account is Tafree +no 'ncome ta$ 2ealt% ta andgift ta, in 'ndia9 On t%e ot%er %and
t%e interest earned in -O accountand credit #alances are su#ect torespecti(e income ta #racket and
are also su#ect to applica#le 2ealt%and gift ta9
)iJ # t -E 1 -O
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)iJerence #et2een -E 1 -O
accounts
• Deposit and Withdra!al oFunds% /ou can deposit funds from aforeign country +in foreign currency, in
#ot% -E and -O accounts$ #ut fundsoriginating from 'ndia +in 'ndian rupees,can only #e deposited in an -O accountand cannot #e deposited in an -E
account9 *it%dra2als from #ot% -E and-O accounts can only #e made in '-9
)iJ # t -E 1 -O
7/23/2019 BPO_Session2.pptx
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)iJerence #et2een -E 1 -O
accounts
• Flo! o Funds% 'n an -E account$repatriation is allo2ed outside 'ndia in anycurrency9
•
Transer% An -E account allo2s you totransfer funds to anot%er -E account as2ell as to an -O account9
• ou can transfer funds from an RO to
anoter RO account% but you cannottransfer funds from an RO account to anR* account.
)iJ # t -E 1 -O
7/23/2019 BPO_Session2.pptx
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)iJerence #et2een -E 1 -O
accounts
• 4oint Accounts% T!o ,"s can open both an,& 5oint account or an ,6 5oint account7+o!ever* $ou cannot open an ,& 5ointaccount !ith a resident "ndian7 This acilit$
is available onl$ !ith an ,6 5oint account7• Motive or Purpose% An ,& account helps
$ou transer unds to "ndia earned abroadand #aintain the#* While ,6 accounts
helps #aintain regular 8o! o inco#eearned in the or# o rent* pensions* ordividends ro# "ndia7
)iJ # t -E 1 -O
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)iJerence #et2een -E 1 -O
accounts
&9ect o &3change ,ateFluctuations%
• ,& accounts are e3posed to t!o
kinds o e3change loss* na#el$da$:to:da$ 8uctuations in thevalue o ", and conversion loss7
,6 accounts are not at suchrisk7
7/23/2019 BPO_Session2.pptx
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Safety 4ockers Ser(ices
• Safety 4ockers 0 to keep (aula#les
• e4ockers 0 to .eep digital documents
• Smart 4ockers 0 e2 age 4ocker
•
Pri ate #anking and *ealt%
7/23/2019 BPO_Session2.pptx
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Pri(ate #anking and *ealt%
Management
• Pri(ate #anking is #anking$ in(estment andot%er 8nancial ser(ices pro(ided #y #anks to%ig%"net"2ort% indi(iduals 2%o enoy %ig%le(els of income or in(est siIa#le assets9
" 'n(estment Solutions
" -eal Estate Solutions
" 'n(estment Banking Solutions
" Banking Products" 'nsurance
" 7old related in(estment ser(ices
@ideo Banking for 6'
7/23/2019 BPO_Session2.pptx
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@ideo Banking for 6'Customers