ISIN IN SHARES (International Securities Identification Number)

PresentationforVIVAJyotsna Nehete1WE LOUNGE2Mr. Goutam DattaICICI Lombard GIC-VP3 From this video I Understood various points as he. Spoke about his journey from 1997statrs from small company then onwards to the ICICI Group. Having more than 16 years experience in spearheading large scale technology operations 7 implementing new technology projects. 4 Spoke about strategic technology leader with a firm belief in creating tangible business value through use of technology solutions to drive and deliver business results. He is great believer of one team concept and leading teams to achieve collecting result. 5Mr. Shailesh Patil Kesari Tours-Directors6A journey in a career is of rewards but pain also and success is when the former outsets the latter.

Having 14 years of business experience , he is qualified as an electrical Engineer , he is currently involved in ISO 9000 rollout for Kesari Tours. Also pays a key role in setting up the backbone for business for gates. 7Kesari formed in 1982 , he is believing to give quality services, Complete the customers. Promises.

Learning Marketing strategies from father. His father has confident to give quality services to customers. 8Mr. T.C . Pattabiraman CFO-Sealed Air Corporation 9Learning's : A challenging journey, Career starts with MNCs.

CA qualified been closely associate with all the functions of the company to unlock its value.

He is someone who consistently challenges status quo & gets challenged as well. 10He is passionate about the financial profession & a natural Leader.

spoke about the concept is How work with people & how developed the people. 11NEWSWIRE121. ISIN IN SHARES(International Securities Identification Number)An article that briefly informs on the (ISIN) is a unique code which identifies each security, while buying and selling of shares. It is a 12 character alpha-numeric code that uniquely identifies a security.

An ISIN uniquely identifies a security, such as stocks, bonds and more. ISIN is necessary for transfer of share. ISIN is issued by National Numbering Agency (NNA), designed by ISO (International Organization Of standardization). In India, SEBI acts as NNA.

13Depositories shall activate the ISINs only on the date of commencement of trading on the stock exchanges.

ISIN code is helpful when investors wants to freeze his account or particular number of securities under an ISIN for any given period of time.

142. RBI PERMITS BANKS TO ACT AS INSURANCE BROKERSBusiness Line

A Small Concise Article on Broking business, Banks may undertake insurance agency or broking business departmentally and/or through subsidiary, RBI said in the guidelines for entry of banks into insurance business.

They can also act as corporate agents without seeking prior approval from the RBI. However, they will have to comply with IRDA guidelines.

15Banks will be permitted to act as insurance brokers so that the entire network of banks branches will be utilised to increase the penetration of insurance.

163. LIABILITIES OF A CO-HOME LOAN APPLICANT IN A HOME LOAN

A very informative article on Home loans while coming with tax benefits, also come with liabilities. For example, in case of death of one of the holders, the other co-applicant has to make sure that he bears the entire responsibility for payment of the balance of the loan. Therefore, when taking a loan it is very important that the co-applicants ensure that they are able to pay the entire amount in case of absence of one of the applicants.

17Now another important thing to note is that if you are a co-applicant as well, your CIBIL score will be accounted for. So, in case you fail to pay up, due to the demise of the co-applicant or for whatsoever reason, you are likely to have a bad credit score. This means is that you would face challenges in taking loans for the future.

The most important thing to remember when taking a home loan is that in case there is a difficult of one of the applicants to honours the commitment the other co-applicant should be able to shoulder the responsibility.

184. THE VARIOUS DIGITS ON YOUR CREDIT CARD SIGNIFY

Credit card number length will change depending from issuer, the most usual is 16 digits divided in groups of 4. It identifies the category of the card issuer and where the card will be most used in. This forms the first group.For example, if the card starts from 1 or 2, it means it is issued by airlines or such industries. Let us take a look at the other numbers on the card.3 it for American Express, Diner's Club4 is for Visa Card (Banking & Financial cards)5 is for Master Card are (Banking & Financial cards)6 is for Discover Card (Merchandising, Banking & Financial cards)7 is for Petroleum Cards8 is for telecommunications cards9 are for national assignment19In the second group: From second to sixth digits is know as the Issuer Identification Number (IIN). This provides information on which bank issued the card, the country of origin, and sometimes the specific card type.

Third Group: The numbers after the 6 th digit (except the last digit) is the account number.

Fourth Group: The last digit on any credit card is known as Check digit, which helps in validating the credit card number.

Lastly, we have three or four digits on back of your credit card, it is necessary while using card at merchandise outlets. These digits come in use when the card is used online or through telephonic mode.

205. JAN DHAN SCHEMEVijaya Bank has opened 13 lakh accounts under the PMJDY (Pradhan Mantri Jan Dhan Yojna)

21On the number of zero-balance accounts, he said 54 per cent of the accounts opened under PMJDY came under this category. However, the bank was able to get 38 crore as deposits from PMJDY accounts.

226. HOW TO SPEND THE FIRST AND LAST 10 MINUTES OF YOUR WORKDAY

The First 10-15 Minutes

Set aside at least 10 minutes at the beginning of the day to plan your day.

What are the three top things Id like to accomplish today? Is time to complete those things on your calendar.

Are the activities represented on my calendar today consistent with my most valuable activities.

23The Last 10-15 Minutes

Set aside at least 10 minutes at the end of the day to wrap up.What important things did I accomplish todayDid I do a great job today of focusing on my most valuable activities? What corrections in course do I need to make tomorrow.Is there anyone I need to reach out and say thanks to.Begin your day with a plan and end your day with a recap every day.

247. MOTHER DEED IN THE CONTEXT OF PROPERTY INVESTMENT IN INDIA Every transaction in property would go through a history of land ownership, change in apartment ownership and other detailed records that are recoded in various government agencies. This detailed record is reflected in the mother deed and is often sought by buyers of property like land, independent houses and apartments in India. It traces the history from the first to the very last owner.

The Mother Deed forms the single most important piece of document in the transaction. You must examine the same carefully before undertaking any transaction whatsoever. Do not forget to seek legal advise should you not be able to understand a few things.

25The mother deed would consist of a host of information including the following:1) Location of the property.2) Size of the property in sq feet or meters or acres and guntas.3) The boundaries of the property, covered on the west by ..., covered on the east, south and north by...4) Consideration agreed upon at various stages of the property transaction.5) Details in case there is an indemnity agreement between the parties.6) Details of the road, ward number, door number etc., of the property.

268. BAD LOANS MAY COME DOWN TO 4% BY MARCH 2016: RBIAn article that briefly informs on the overall macroeconomic scenario during the next financial year

Gross non-performing assets (GNPAs) of banking system is likely to drop to 4 per cent by March 2016 with expected improvement in macroeconomic indicators going forward, the Reserve Bank said.

27The stress test revealed that among the seven select sectors, engineering is expected to register the highest GNPA ratio at 12 per cent by March 2016, followed by the cement segment at 10.6 per cent, it added.

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9. PNB OPENS 500TH PRAGATI BRANCH

Learning's:

An article that briefly informs on business expansion plan Punjab National Bank has rolled out its 500th Pragati branch as part of its efforts to enhance customer satisfaction at major centres across the country. Under this Pragati model, a minimum standard level of service is guaranteed to customers uniformly across all such branches. Its Executive Director Gauri Shankar inaugurated the 500{+t}{+h} branch under the Pragati model at Paharganj here.

2910. HOW TO BUILD YOUR PERSONAL BRAND

Its not enough to just do your job wellyou need to be able to showcase your skills, grow into bigger roles, and create the right kind of personal network

The first dimension of a brand is around a persons propensity to deliver results.The second dimension, the social capital, refers to a persons ability to forge constructive relationships and build strong networks, thus opening doors to opportunities, resources and information.The third dimension of a brand is the wrapping that you place around yourself, which can potentially either distract or direct attention to your strengths and intrinsic value. It represents your personal style.30WE TUBE311. KYC (Know Your Customer) & AML (Anti money Laundering)Learning's:

KNOW YOUR CUSTOMER (KYC) guidelines is to prevent banks from being used, intentionally or unintentionally, by criminal elements for money laundering activities. KYC procedures also enable banks to know/understand their customers and their financial dealings better, which in turn help them, manage their risks prudently

32Money laundering is the act of making dirty money, at the source of which are serious crimes, such as drug trafficking or terrorist activity, clean. At the end of it, all the dirty money seems to be from a legitimate source.

In 2002, the Parliament of India passed an act called the Prevention of Money Laundering Act, 2002. The main objectives of this act are to prevent money-laundering as well as to provide for confiscation of property either derived from or involved in, money-laundering. 33obligations on every banking company,Financial institution and intermediary, which includeMaintaining a record of prescribed transactions Verifying and maintaining records of the identity of its clients.

Objectives To prevent criminal elements from using the bank for money laundering activities To enable the Bank to know/understand the customers and their financial dealingsbetter, which in turn would help the bank to manage risks prudently.To put in place appropriate controls for detection and reporting of suspicious activities in accordance with applicable laws/laid down procedures.To take necessary steps to ensure that the relevant staff are adequately trained in KYC/AML procedures.

342. Types of E BusinessLearning's:

The reason such classification is important is that it gives the analyst an insight into the business model and financial model of the business. For instance, the logistics of delivering the physical goods can be a huge challenge for some businesses. Sellers of digital goods do not face that problem. When it comes to selling tickets, there are many parameters that need to be evaluated in real time, e.g., in the case of air tickets: availability, location of seats, meal preferences, refundable vs. non refundable tickets, and much more.

35B2B commerce - it is that business activity in which 2 firm or business units make electronic transaction in which 1 can be a producer firm and other are raw material supplier firm.

B2C commerce - in B2C commerce, 1 party is the firm and other party is a customer. on the one hand, customer can seek info. , can place an order, get some items on the Internet and can also make the payment. on the other hand, a firm can make a survey to know, who buying what and can also know satisfaction level of customer. a firm can also make delivery of goods like air and train tickets etc.

36C2B ecommerce seems lop-sided. But online commerce has empowered consumers to originate requirements that businesses fulfill. An example of this could be a job board where a consumer places her requirements and multiple companies bid for winning the project. Another example would be a consumer posting his requirements of a holiday package, and various tour operators making offers.

C to C commerce- under C to C commerce, both the parties involved are customers. it is required for buying and selling of those goods for which there is no established markets are available.

373. Telephone Handling TechniquesLearning's: Providing effective and successful support requires many skills. You must have not only the necessary technical knowledge, but also the ability to handle the nontechnical aspect of your case. You must be able to relate to your customer regardless of what their background is and meet their demands in a professional way.

38Be sure to properly greet and collect all mandatory customer information before asking why they have called for support.

Do not jump ahead to resolution steps until you have created a problem statement.

If you must put the customer on hold, tell them exactly how long they will hold and return exactly to that estimate.

Be a good listener. Resist distraction and focus on your customer.

You might know what your customer will say, but let them finish anyway.Do not interrupt your customer. If you do have to interrupt them, apologize and explain why.

39Assess the level of expertise your customer has and adjust your communication style accordingly.

If your customer does not understand a term that you use, explain to them what you mean.

Do not use abbreviations unless you are sure your customer is familiar with them.

Apologize on behalf of your organization if the services are not running as expected. This shows that you respect your customer.404. Capital MarketWhat is capital Market Capital markets are financial market for the buying and selling of long-term debt or equity-backed securities.

A division within the capital markets is between the primary markets and secondary markets.

41 In primary markets, new stock or bond issues are sold to investors, often via a mechanism known as underwriting.

In the secondary markets, existing securities are sold and bought among investors or traders, usually on an exchange, over the counter, or elsewhere

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5. Basics of Micro Finance

By-Sujata Iyer

Microfinance is: the provision of financial services in a sustainable way to low income people who do not have access to commercial financial services

Simply, Microfinance is Banking with the Poor 43Characteristics of Microfinance Free of physical collateral Quick services at the door steps Small savings and loan size Short term loan

Constraints

Bottom poor groups dont have enough cash flow to repay loans on time resulting high overdue.Lack of professionalism/expertise in apex and retail lending organizations

44Thank You45