Academic literature on the topic 'Bank amalgamations'
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Journal articles on the topic "Bank amalgamations"
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Matenda, Frank Ranganai, Mabutho Sibanda, Eriyoti Chikodza, and Victor Gumbo. "Corporate Loan Recovery Rates under Downturn Conditions in a Developing Economy: Evidence from Zimbabwe." Risks 10, no. 10 (October 17, 2022): 198. http://dx.doi.org/10.3390/risks10100198.
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In this study, we design stepwise ordinary least squares regression models using various amalgamations of firm features, loan characteristics and macroeconomic variables to forecast workout recovery rates for defaulted bank loans for private non-financial corporates under downturn conditions in Zimbabwe. Our principal aim is to identify and interpret the determinants of recovery rates for private firm defaulted bank loans. For suitability and efficacy purposes, we adopt a unique real-life data set of defaulted bank loans for private non-financial firms pooled from a major anonymous Zimbabwean commercial bank. Our empirical results show that the firm size, the collateral value, the exposure at default, the earnings before interest and tax/total assets ratio, the length of the workout process, the total debt/total assets ratio, the ratio of (current assets–current liabilities)/total assets, the inflation rate, the interest rate and the real gross domestic product growth rate are the significant determinants of RRs for Zimbabwean private non-financial firm bank loans. We reveal that accounting information is useful in examining recovery rates for defaulted bank loans for private corporations under distressed financial and economic conditions. Moreover, we discover that the prediction results of recovery rate models are augmented by fusing firm features and loan characteristics with macroeconomic factors.
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Jorum, Tasleema M., and Sujata S. Mali. "Performance of Regional Rural Banks after Amalgamation in India: Progress and Prospects." Artha - Journal of Social Sciences 11, no. 3 (July 18, 2012): 1. http://dx.doi.org/10.12724/ajss.22.1.
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For the past three decades India's banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons for India's growth process. The government's regular policy for Indian banks since 1969 has paid rich dividends with the nationalization of 14 major private banks of India. Regional Rural Banks started their development process on 2 October 1975 with the formation of a single bank—Prathama Grameen Bank. The RRBs mobilize financial resources from rural/semi-urban areas and grant loans and advances mostly to small and marginal farmers, agricultural labourers and rural artisans. The area of operation of RRBs is limited to the area as notified by GoI covering one or more districts in the State. In this context, the present study is an attempt to examine the impact of amalgamation on physical performance of RRBs during post-amalgamation period.Keywords: Banking; Regional rural banks; Amalgamation; Profit and loss and economic development; NPAs and deposits.
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Vedam, Aditya. "Impact of Amalgamation of RRBs on Financial Efficiency and Inclusion A Case of Karnataka RRBs." Journal of Global Economy 14, no. 4 (November 10, 2018): 101–28. http://dx.doi.org/10.1956/jge.v14i4.510.
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Abstract: Objective: The adoption of financial sector reforms in response to the economic crisis in the latter half of the nineties had resulted in a levy of spate of dynamic regulatory standards of global financial resilience on banks in India to enable them to operate in an increasingly competitive market environment. These include prudential norms on capital adequacy and NPA provisioning followed by (of late) bank mergers, ostensibly to bolster their financial viability and efficiency. The paper inquires into the impact of ‘Bank-mergers in the context of the amalgamation of RRBs as the policy response in regard to their impact on financial efficiency and financial inclusion across the period of the merger (1999-2011)Methodology: The paper uses the ‘taxonomic method’ to develop a composite index independently for ‘financial efficiency’-and ‘financial Inclusion’ in order to compare the RRBs performance across the period of their amalgamation Conclusion: It finds that the impact on the RRB amalgamation on financial efficiency has been largely ‘modest’ in the post-amalgamation period, and largely at the expense of their erstwhile mandate of being the ‘engine of financial inclusion’.
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Bapat, Dhananjay, S. Sidharthan, and C. Yogalakshmi. "An analysis of financial inclusion initiatives at Odisha Gramya Bank." Emerald Emerging Markets Case Studies 6, no. 3 (September 23, 2016): 1–20. http://dx.doi.org/10.1108/eemcs-09-2014-0227.
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Subject area Financial Services Marketing, Financial Inclusion, Emerging Market Studies. Study level/applicability The case is suitable for graduate management students in courses such as general management and marketing courses. It is also suitable for a specialised rural marketing course and marketing of financial services. In business schools outside India, the case can be used in a course on marketing strategies for emerging economies. The case is suitable for executive development programmes for the areas pertaining to rural banking, marketing of banking services and financial inclusion programmes. Case overview The case analyses the financial inclusion initiative by Odisha Gramya Bank, a regional rural bank set up after amalgamation of three banks in the state of Orissa, India. The topic of financial inclusion has been the attraction from bankers, policymakers and academia in light of linkage between formal financial system and inclusive growth. To harness the fortunes at the bottom of pyramid, the case looks into the development of financial inclusion, business strategies and strategies for various customer segments. Expected learning outcomes To introduce students to analyse and compare various financial inclusion options. The case is useful to comprehend the various methods of financial inclusion. To analyse the evolution of regional rural banks and Odisha Gramya Bank after its amalgamation. To appreciate the issues faced by Odisha Gramya Bank. To understand various market segment and to evaluate its potential. To suggest appropriate strategies for each market segment. To appreciate how technology can be harnessed for business correspondents. To recommend the roadmap for financial inclusion to Mr Sidharthan, Chairman, Odisha Gramya Bank. Supplementary materials Teaching notes are available for educators only. Please contact your library to gain login details or email support@emeraldinsight.com to request teaching notes. Subject code CSS 8: Marketing.
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Kumar, P. Satheesh. "A Study on Customer Satisfaction towards Banking Services Provided by SBI in Reference with Erode City." International Journal for Research in Applied Science and Engineering Technology 10, no. 1 (January 31, 2022): 859–63. http://dx.doi.org/10.22214/ijraset.2022.39940.
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Abstract: The study is conducted on the consumer satisfaction towards the services rendered by SBI. SBI is an Indian multinational, public sector banking and financial services statutory body. They have branches spread over the entire length and breadth of the country. SBI in particular is all pervasive enjoying a sprawling network of 9000 branches. It has assets to be worth of about Rs.2,22,500 crore. SBI has very conservative approach to accounting particularly when it comes to declaration of its assets. SBI enjoys a monopoly of the government business. The reserve bank of India owns about 60%of the banks equity. SBI was formed under the SBI act in 1955. With the takeover of imperial bank and amalgamation of Bank of Bengal, Bank of Bombay and Bank of Madras. SBI enjoys a pool of best managerial talent, assured government business, a country wide network of branches and strong brand credibility in the Indian market. Keywords: Public sector banking, Financial services, imperial bank
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Ahmed, Muntazar Bashir. "KASB Bank Limited: Capital Shortage." Asian Journal of Management Cases 15, no. 1 (March 2018): 1–22. http://dx.doi.org/10.1177/0972820117744685.
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KASB Bank Limited was a small sized bank in Pakistan. Its operations did not generate sufficient profits and over the years it was unable to meet the regulatory capital as specified by the State Bank of Pakistan. The bank’s loan portfolio was infected with poor quality borrowers and this resulted in very high non performing loans which required loan loss provisions. The bank sponsor had other group companies which the KASB Bank acquired in order to meet the capital needs. The State Bank as part of compliance with BASEL rules required higher amounts of capital to protect the banking sector and had allowed KASB Bank extra time to meet the capital needs. However, the State Bank ultimately used its regulatory authority to put the bank under its supervision. The State Bank placed KASB Bank under a moratoriam so that the KASB Bank customer deposits were frozen and only withdrawls up to PKR300,000 were allowed from each account. The State Bank wanted another bank to take over the KASB Bank operations and allowed other interested banks to conduct due diligence so as to review the financial status of the bank with a view to take over the troubled bank. There were very few banks interested in taking over because KASB Bank had negative equity estimated at PKR12 to PKR14 billion. The State Bank in order to protect the interests of the 150,000 depositors and the stability of the banking system gave a concessionary loan of PKR20 billion as part of the scheme of amalgamation of KASB Bank with Bank Islami.
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Alam, Muhammad, Javed Akhter Qureshi, Garee Khan, Manzoor Ali, Naeem Abbas, Sher Sultan, Asghar Khan, and Yasmeen Bano. "The Process Designing of Gold Extraction from Placers of Passu to Shimshal (Hunza Valley) Gilgit-Baltistan by Mercury Amalgamation and Cyanidation Leached Method." International Journal of Economic and Environmental Geology 10, no. 4 (February 19, 2020): 25–29. http://dx.doi.org/10.46660/ijeeg.vol10.iss4.2019.348.
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Gold wash through panning or washing in the fluvial sediments or sands is done on the river banks inSkardu, Hunza and other places. The method of gold washing is very crude, primitive and most of the gold is washedaway back into the river. The current study mainly focused on extraction of placer gold deposits. Pneumatic machinesfrom Passu to Shimshal (Hunza valley) Gilgit-Baltistan. The mercury amalgamation and cyanide leached methods havebeen used for placer gold deposits extraction from the concentrate obtained from shaking table. The amount of goldrecovered from amalgamation method with mercury was 30.9%. The alloyed gold with other metals, gold dust, and finegold was recovered by chemical process. The reagent consumption, i.e. 1.4 kg/ton of NACN and 6 Kg / ton of CaOwere used for extraction of placer gold deposits. The extracted gold is 10.24 g /t and silver 22 g /t and the remaininggold like the amalgamation residue, tailings and middlings are extracted by cyanidation leached method. The extractionof gold by cyanidation process was compared graphically, and study results revealed that extraction of gold usingcyanidation leached method was 91.40% and silver 100%, respectively.
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Alam, Muhammad, Javed Akhter Qureshi, Garee Khan, Manzoor Ali, Naeem Abbas, Sher Sultan, Asghar Khan, and Yasmeen Bano. "The Process Designing of Gold Extraction from Placers of Passu to Shimshal (Hunza Valley) Gilgit-Baltistan by Mercury Amalgamation and Cyanidation Leached Method." International Journal of Economic and Environmental Geology 10, no. 4 (February 19, 2020): 25–29. http://dx.doi.org/10.46660/ojs.v10i4.348.
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Gold wash through panning or washing in the fluvial sediments or sands is done on the river banks inSkardu, Hunza and other places. The method of gold washing is very crude, primitive and most of the gold is washedaway back into the river. The current study mainly focused on extraction of placer gold deposits. Pneumatic machinesfrom Passu to Shimshal (Hunza valley) Gilgit-Baltistan. The mercury amalgamation and cyanide leached methods havebeen used for placer gold deposits extraction from the concentrate obtained from shaking table. The amount of goldrecovered from amalgamation method with mercury was 30.9%. The alloyed gold with other metals, gold dust, and finegold was recovered by chemical process. The reagent consumption, i.e. 1.4 kg/ton of NACN and 6 Kg / ton of CaOwere used for extraction of placer gold deposits. The extracted gold is 10.24 g /t and silver 22 g /t and the remaininggold like the amalgamation residue, tailings and middlings are extracted by cyanidation leached method. The extractionof gold by cyanidation process was compared graphically, and study results revealed that extraction of gold usingcyanidation leached method was 91.40% and silver 100%, respectively.
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Pikahulan, Rustam Magun, Orin Gusta Andini, and Syafa'at Anugrah Pradana. "KONSEKUENSI HUKUM PELAKSANAAN MERGER PADA BANK SYARIAH BADAN USAHA MILIK NEGARA (BUMN)." TANJUNGPURA LAW JOURNAL 6, no. 2 (July 30, 2022): 179. http://dx.doi.org/10.26418/tlj.v6i2.52245.
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Abstract The urgency of implementing a merger in BUMN sharia banks targeted by the government has the potential to slow down the pace of sharia economic development from the financial sector. On the one hand, the steps taken pose a considerable risk because two of the three combined Islamic banks will lose their status as legal entities. The research will describe the urgency of the merger policy towards state-owned Islamic banks, which will then be analyzed in a juridical manner related to the implementation of the merger. This research is a type of normative legal research or normative juridical research because this research focuses on library materials, using the Statute Approach. Based on the results of the research, the authors conclude that the implementation of the merger carried out by the government against the three state-owned Islamic banks is in accordance with the mechanism regulated in the regulations. However, the merger of these state-owned Islamic banks will have legal consequences for PT. Bank Mandiri Syariah Tbk., PT. Bank BNI Syariah Tbk., because after the merger or amalgamation, the status of the merging Islamic banks is declared terminated by law or by law. Another possible legal consequence, according to the author, is that in the near future Bank Syariah Indonesia (BSI) will not be able to achieve market share in the national banking industry, because it is still focused on improving management and the process of shifting customers after the merger. Abstrak Urgensi pelaksanaan merger pada bank syariah BUMN yang ditargetkan oleh pemerintah sangat berpotensi untuk memperlambat laju perkembangan ekonomi syariah dari sektor keuangan. Di satu sisi, langkah yang diambil memberikan resiko yang cukup besar karena dua di antara tiga bank syariah yang digabungkan akan kehilangan statusnya sebagai badan hukum. Dalam penelitian akan dipaparkan urgensi dari kebijakan merger terhadap bank-bank syariah BUMN, yang kemudian akan dianalisis secara yuridis terkait pelaksanaan merger tersebut. Penelitian ini adalah jenis penelitian-penelitian hukum normatif atau yuridis normatif karena penelitian ini terfokus pada bahan pustaka, dengan menggunakan pendekatan undang-undang atau statute approach. Berdasarkan hasil penelitian penulis menyimpulkan bahwa, pelaksanaan merger yang dilakukan oleh pemerintah terhadap tiga bank syariah BUMN sudah sesuai dengan mekanisme yang diatur dalam regulasi. Akan tetapi, merger bank-bank syariah BUMN tersebut akan menimbulkan kosekuensi hukum bagi PT. Bank Mandiri Syariah Tbk., PT Bank BNI Syariah Tbk., karena setelah dilakukan merger atau penggabungan tersebut, status bank syariah yang mengabungkan diri dinyatakan berakhir karena hukum atau undang-undang. Kosekuensi hukum lainnya yang kemungkinan akan timbul menurut penulis adalah, dalam waktu dekat Bank Syariah Indonesia (BSI) belum bisa mencapai market share pada industri perbankan nasional, karena masih terfokus pada pembenahan manajemen dan proses peralihan nasabah pasca merger tersebut.
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Chen, David Y. "The Amalgamation of Chinese Higher Education Institutions." education policy analysis archives 10 (April 14, 2002): 20. http://dx.doi.org/10.14507/epaa.v10n20.2002.
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The 1990s witnessed revolutionary change in China's higher education system, particularly through radical mergers. The reform process and its background are detailed here, with a case study focusing on Zhejiang University. After nearly 15 years of painstaking effort, the reform goals for the higher education system have been met, and a decentralized, two-tiered administrative system has been installed. However, the most hotly debated reform has been the amalgamation of universities. The need to optimize China's system of higher education has a background dating back about 50 years, when the first reordering of higher education took place. The reordering and its results are described, and the causes and after effects of this reform are detailed.
Dissertations / Theses on the topic "Bank amalgamations"
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Ritson, Philip Andrew. "Following in Scottish footsteps: the amalgamation movement in English and Welsh banking, 1870-1920." Thesis, 2018. http://hdl.handle.net/2440/115163.
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The Amalgamation Movement was an outbreak of bank mergers and acquisitions in England and Wales that began around 1870, lasted for half a century and transformed the English and Welsh banking industry into a concentrated oligopoly dominated by five banks. This Amalgamation Movement was a response to the economic growth unleashed by the Industrial Revolution. For the first time ever, a human population was experiencing a sustained increase in its per-capita incomes. Economic growth like this made the British one of the wealthiest people on earth but it also gave rise to a monetary problem. An expanding post-Industrial Revolution British economy required a growing money supply to finance the increase in the value of the transactions undertaken. However, the supply of precious metals available to fashion into gold and silver coins was finite. Post-Industrial Revolution Britain had to erect its money supply on a foundation of credit and the obligation to furnish much of that credit ultimately fell upon the domestic banks. The solvency of the banking system became a vital economic consideration under these circumstances.
The Amalgamation Movement secured monetary stability by putting the banking industry in England and Wales under the control of five well-resourced and effective bureaucracies. Large banks subject to good administration maintained public confidence in a money supply composed of a growing proportion of bank deposits. Bank amalgamations also compensated for the loss of the inland bill of exchange, a financial security that was the English and Welsh banking industry’s favourite reserve asset prior to 1870. Finally, the Amalgamation Movement accommodated the banking industry’s conversion to a regime of limited liability during the 1880s. Britain acquired one of the safest banking systems in the world because of the Amalgamation Movement. The run of monetary good fortune continued until a global financial crisis in 2007/08 exposed the dangers inherent in Britain’s overreliance on large banking institutions deemed to big to fail.Thesis (Ph.D.) -- University of Adelaide, School of Humanities, 2018
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Awashreh, Majida. "Staying on the map: an analysis of the immediate outcomes of amalgamation of Palestinian local governments in the West Bank." Thesis, 2016. http://hdl.handle.net/2440/99522.
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Since 2010, a large-scale consolidation policy has been enforced in Palestine motivated by building capacity of small Palestinian local governments and improving service delivery in West Bank rural areas. Theoretical justifications for consolidation anticipate increased efficiency in local government performance based on assumptions of economies of scale resulting from increasing population size of local governments. Arguments against consolidation point to a negative relationship between population size and local democracy and participation. Both theoretical assumptions have not been empirically proven. A large body of literature that investigated outcomes of consolidation has found mixed results for local government efficiency, organisational capacity and democratic government. This thesis uses a mixed method approach to analyse immediate outcomes of Palestinian consolidations against a control sample of non-consolidated units. Due to the unavailability of data on performance prior to consolidation, the methodology included comparative analysis with a sample of consolidations that occurred in the last decade. This thesis argues that internal and external dimensions of local government capacity need to be addressed, particularly financial resources, functional mandate, jurisdictional integrity and democratic government. The thesis had three research hypotheses. Firstly, given the policy objectives, improvements in human and material resources, structure and service were anticipated. Secondly, local democracy and participation was expected to decrease after consolidation due to the decline in the number of councillors, strong traditional ties to local communities and territorial fragmentation of population centres. The third hypothesis was that consolidated LGUs are unlikely to exercise full control over territorial jurisdictions and populations due to geopolitical fragmentation. Findings show that consolidation has mixed results on institutional capacity, negative effects on political representation and democracy and no effect on territorial defragmentation. Outcomes varied significantly between individual LGUs of the same population size. Citizens were most satisfied with improvement in local infrastructure and least satisfied with disruption to social relationships between communities and community representation within elected councils. Results show that post-consolidation capacity is dependent on pre-consolidation capacity of constituencies, state support of consolidation policy, extent of public acceptance of consolidated governments and other reform policies implemented concurrently with consolidation. Public policies focusing on debt reduction and utility reforms have more serious impacts than consolidation on local government resources, functions and sustainability potential. The findings of this study have implications on future local government reform. Structural reforms need to be governed by specific legislation regarding boundary delimitation which provides opportunities for public participation throughout the policy process. Building capacity of local government also necessitates a revision of division of functional roles and fiscal responsibilities between government tiers in addition to resolution of major territorial issues.Thesis (Ph.D.) -- University of Adelaide, School of Social Sciences, 2016.
Books on the topic "Bank amalgamations"
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Aydin, Ahmet H. Future amalgamations of police forces in England and Wales: One step forwards, two steps back? Leicester: Scarman Centre for the Study of Public Order, University of Leicester, 1996.
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Assembly, Canada Legislature Legislative. Bill: An act to consolidate and amend the several acts relating to the Niagara and Detroit Rivers Railway Company, both before and since the amalgamation of the companies forming that company. [Toronto]: S. Derbishire & G. Desbarats, 2003.
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Inc, Reed Information Services, ed. The Banker's almanac register of bank name changes & liquidations: Amalgamations, absorptions, and liquidations of international banks since 1750. London: Reed Information Services, 1992.
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Jayakrishna, Y. Amalgamations in Indian Banking Sector: A Study of Selected Banks. INSC International Publisher (IIP), 2021.
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Archer, Richard. Repealing the Law. Oxford University Press, 2017. http://dx.doi.org/10.1093/oso/9780190676643.003.0009.
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The successful attempt to remove the prohibition against mixed marriages in Massachusetts (such a law continued to exist in Maine where it wasn't enforced and in Rhode Island until the 1880s) did not occur in isolation from the larger movement for equal rights. Advocating the end of the ban, however, was tricky for politicians and reformers in general (particularly women), because they would be charged with promoting “amalgamation,” but nonetheless year after year the demand to change the law grew. Petitions kept the issue alive in the legislature, The Liberator had called for repeal since its second issue, and eventually good sense prevailed in part because the cause was just but also because so many politicians believed it to be only a symbolic issue. In 1843 the Massachusetts legislature voted for repeal of the marriage restriction and against the desegregation of the railroads-an issue with immediate impact.
Book chapters on the topic "Bank amalgamations"
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Farid Uddin, Khandakar, and Werner Pleschberger. "The ‘Big-Bang Politics’ and Process of Council Amalgamations: A Comparative Study of the State in Australia and Austria." In Contemporary Trends in Local Governance, 111–29. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-52516-3_6.
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Flath, David. "Finance." In The Japanese Economy, 356–97. 4th ed. Oxford University PressOxford, 2022. http://dx.doi.org/10.1093/oso/9780192865342.003.0015.
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Abstract This chapter is about the financial system of Japan. It begins by detailing the different categories of financial intermediary in Japan and then describing the different types of financial instruments traded in Japan’s money markets and capital markets and in euromarkets (xenomarkets), taking note of the many amalgamations of the 1990s and sweeping changes in regulations culminating in the 2001 “Big Bang.” Until the 1980s, those regulations amounted to the cartelization of Japan’s commercial banks. The 1980s opening of euromarkets to Japanese corporations seeking funds forced banks to compete and led to an unraveling of the regulations that had until then cartelized their industry. As the bank profits eroded, their lending grew reckless, which led to the severe financial crisis of the 1990s, all of which the chapter fully explains. Despite the turmoil of the 1990s, banks have retained their dominance of Japanese financial intermediation. The chapter describes the main bank system, in which most Japanese corporations have each developed a special relationship with a particular bank that is its largest creditor and often also a shareholder. The advantages of bank shareholding in the companies to which they are lending are explained. The Modigliani–Miller theorem, the core idea in thinking about how corporations acquire funds, is invoked as an essential frame of reference in considering the main bank system. The chapter closes with a discussion of corporate governance in Japan which is also much affected by the bank dominance of financial intermediation.
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Powell, Ellis T. "Natural Selection Among the Banks—Absorption and Amalgamation." In The Evolution of the Money Market 1385–1915, 411–63. Routledge, 2017. http://dx.doi.org/10.4324/9781315163215-17.
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Davis, Mary, and John Foster. "Creating the TGWU 1920–22." In UNITE History Volume 1 (1880-1931), 17–30. Liverpool University Press, 2021. http://dx.doi.org/10.3828/liverpool/9781800859715.003.0002.
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The syndicalist vision of ‘One Big Union’ resulted in the more limited project, led by Bevin, of the amalgamation of 22 road transport dock and waterway unions to form the TGWU. This chapter examines the process of amalgamation set against the impact of the economic downturn which resulted in high rates of unemployment and an attack on wage rates in the staple industries, coal mining in particular. The inconclusive fight back in which the TGWU as part of the Triple Alliance, played a major role, was held responsible for the ‘Black Friday’ 1921 and the subsequent defeat of the miners.
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"1. Amalgamation and the Massachusetts Ban on Interracial Marriage." In The Fight for Interracial Marriage Rights in Antebellum Massachusetts, 10–48. Harvard University Press, 2015. http://dx.doi.org/10.4159/9780674286238-002.
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McGregory, Jerrilyn. "Christmas: Boxing Day Eve." In One Grand Noise, 17–30. University Press of Mississippi, 2021. http://dx.doi.org/10.14325/mississippi/9781496834775.003.0002.
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This study commences by examining Boxing Day’s foundation, colligating the cultural holiday from its ancient origins—including Egypt. Boxing Day also owes its existence to Catholicism, which invested December 26 with St. Stephen—the first Christian martyr. McGregory locates, by way of the medieval crusades, an apposite site for cultural amalgamation and the introduction of Baksheesh—an Arabic word and possible homonym. This Middle East practice of tipping connects Victorian trade unions and the merchant class with British Boxing Day and mumming—masquerading in elaborate costumes. In 1871, the Bank Holiday Act established Boxing Day as a public holiday throughout the British Commonwealth of Nations, spawning a precise timeline for the already established cultural productions performed in the Protestant ACW.
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Verma, Diksha, and Pooja Kansra. "Blockchain Technology in Digitizing Bancassurance." In Applications, Challenges, and Opportunities of Blockchain Technology in Banking and Insurance, 193–203. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-4133-6.ch011.
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Bancassurance was initiated as a supplementary medium for dispensing insurance-related products and services. The proposal was to make certain auxiliary profits for banks exclusive of the necessity to inculcate extra funds in a period when restrictions were under force and credit off take was unresponsive. Insurance firms thus had the time to amplify the market penetration for them. On the other hand, online and cybernetic intrusion in the banking sector and the inception of Bancassurance were nearly associated. The chapter will emphasize the need for a customer-centric approach and recognize the tactic desired for giving a boost to the Bancassurance business model through innovations and intensification of the digital infrastructure of banks. The recommendation is that rather than solely relying on digital, Bancassurance will benefit from the flawless amalgamation of omni channels (digital and physical) to contact customers.
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Shettigar, Jagadish, and Pooja Misra. "Functional Autonomy to Banks." In Resurgent India, 176—C3.5.P3. Oxford University PressOxford, 2022. http://dx.doi.org/10.1093/oso/9780192866486.003.0035.
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Abstract A stable financial sector is a prerequisite for the smooth functioning of any business and provides confidence to investors and consumers. With the COVID- 19 pandemic negatively impacting the GDP of countries across the world and resulting in an ever-changing environment, risk prudence was reflective of being sagacious but risk aversion was also not advisable. In light of the pandemic, the 21st issue of the Financial Stability Report (FSR), July 2020 of the Reserve Bank of India, presented a grim picture of the status of Non- Performing Assets (NPAs) in India. The report also highlighted the fact that in response to the pandemic, an amalgamation of fiscal, monetary, and regulatory interventions had ensured a close to normal functioning of the Indian financial markets. The RBI, in response to this worrisome situation, had proposed a three-month moratorium in March 2020 along with a freeze in ratings of customers who were availing of the loan so that it would not impact their credit scores. The chapter discusses how the need of the hour was a calibrated approach of stimulus to be provided by RBI to those sectors only which were still bearing the brunt of the pandemic and a blanket approach to all was not advisable as individuals and corporates were taking undue advantage and unnecessarily deferring payments. It delves into solutions and recomtions that in terms of structural reforms that could make the Indian financial sector more robust and how if given adequate functional autonomy NPAs could be kept to a minimum.
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Abate, Michelle Ann. "“I Slant My Gags to the Lawrence Welk Gum Chewers”." In Funny Girls, 41–62. University Press of Mississippi, 2018. http://dx.doi.org/10.14325/mississippi/9781496820730.003.0003.
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Chapter Two explores Ernie Bushmiller'sNancy.In what embodies an overlooked facet of the strip, many of its signature traits, central characters, and core qualities can be traced back to one the most popular modes of entertainment in the United States during the early twentieth century: vaudeville.From the gag humor employed throughout the comic and Nancy's penchant for linguistic misunderstandings to Sluggo's use of working-class dialect and the comedic exchanges that take place between him and Nancy, the strip is an amalgamation of vaudevillian elements. An understanding of the way in which vaudeville permeates Nancy helps to account for the tremendous appeal of the strip along with its longstanding low cultural esteem. At the same time, the elements of vaudeville that can be located within Nancy add a new facet to discussions of class, ethnicity, and race within the comic.
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Swanson-Hysell, Nicholas L., Toby Rivers, and Suzan van der Lee. "The late Mesoproterozoic to early Neoproterozoic Grenvillian orogeny and the assembly of Rodinia: Turning point in the tectonic evolution of Laurentia." In Laurentia: Turning Points in the Evolution of a Continent. Geological Society of America, 2022. http://dx.doi.org/10.1130/2022.1220(14).
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ABSTRACT The amalgamation of Laurentia’s Archean provinces ca. 1830 Ma was followed by ~700 m.y. of accretionary orogenesis along its active southeastern margin, marked by subduction of oceanic lithosphere, formation of arcs and back-arcs, and episodic accretion. This prolonged period of active-margin tectonic processes, spanning the late Paleoproterozoic and Mesoproterozoic eras, resulted in major accretionary crustal growth and was terminated by closure of the Unimos Ocean (new name). Ocean closure was associated with rapid motion of Laurentia toward the equator and resulted in continental collision that led to profound reworking of much of the accreted Proterozoic crust during the ca. 1090–980 Ma Grenvillian orogeny. The Grenvillian orogeny resulted in formation of a large, hot, long-duration orogen with a substantial orogenic plateau that underwent extensional orogenic collapse before rejuvenation and formation of the Grenville Front tectonic zone. The Grenvillian orogeny also caused the termination and inversion of the Midcontinent Rift, which, had it continued, would likely have split Laurentia into distinct continental blocks. Voluminous mafic magmatic activity in the Midcontinent Rift ca. 1108–1090 Ma was contemporaneous with magmatism in the Southwestern Laurentia large igneous province. We discuss a potential link between prolonged subduction of oceanic lithosphere beneath southeast Laurentia in the Mesoproterozoic and the initiation of this voluminous mafic magmatism. In this hypothesis, subducted water in dense, hydrous Mg-silicates transported to the bottom of the upper mantle led to hydration and increased buoyancy, resulting in upwelling, decompression melting, and intraplate magmatism. Coeval collisional orogenesis in several continents, including Amazonia and Kalahari, ties the Grenvillian orogeny to the amalgamation of multiple Proterozoic continents in the supercontinent Rodinia. These orogenic events collectively constituted a major turning point in both Laurentian and global tectonics. The ensuing paleogeographic configuration, and that which followed during Rodinia’s extended breakup, set the stage for Earth system evolution through the Neoproterozoic Era.
Conference papers on the topic "Bank amalgamations"
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Murray, Alexander V., Peter T. Ireland, and Eduardo Romero. "Development of a Steady-State Experimental Facility for the Analysis of Double-Wall Effusion Cooling Geometries." In ASME Turbo Expo 2018: Turbomachinery Technical Conference and Exposition. American Society of Mechanical Engineers, 2018. http://dx.doi.org/10.1115/gt2018-75924.
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The continuous drive for ever higher turbine entry temperatures is leading to considerable interest in high performance cooling systems which offer high cooling effectiveness with low coolant utilisation. The double-wall system discussed here, is an optimised amalgamation of more conventional cooling methods including impingement cooling, pedestals, and film cooling holes in a more closely packed array characteristic of effusion cooling. The system entails two walls, one with the impingement holes, and the other with the film holes. These are mechanically connected via the bank of pedestal thereby allowing conduction between the walls and increasing coolant wetted area and turbulent flow. However, in the open literature, data — and particularly experimental data — on such systems is sparse. This study presents a newly commissioned experimental heat transfer facility designed to investigate double-wall cooling geometries. The paper discusses some of the key features of the steady-state facility, including the use of infrared thermography to obtain overall cooling effectiveness measurements. The facility is designed to achieve both Reynolds and Biot (to within 10%) number similarity to those seen at engine conditions. The facility is used to obtain overall cooling effectiveness measurements for a circular pedestal, double-wall test piece at three coolant mass-flow conditions with the results presented and discussed. A fully conjugate CFD model of the facility was also developed providing greater insight into the internal flow field. Additionally, a computationally efficient, decoupled conjugate method developed by the authors for analysing such double-wall systems is run at conditions to match the experiments. The results of the simulations are encouraging, particularly given how computationally efficient the method is, with area-weighted, averaged overall effectiveness within a small margin of those obtained from the experimental facility.
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Chhajlani, Avani. "Sustainable Design through Up-Cycling Crafts in the Mainstream Fashion Industry of India." In 8TH SUSTAINABLE DEVELOPMENT CONFERENCE. Tomorrow People Organization, 2021. http://dx.doi.org/10.52987/sdc.2021.006.
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Abstract Fashion is considered to be the most destructive industry, second only to the oil rigging industry, which has a greater impact on the environment. While fashion today, banks upon fast fashion to generate higher turnover of designs and patterns in apparel and relate accessories, crafts push us towards a more slow and thoughtful approach with culturally identifiably unique work and slow community centred production. Despite this strong link between indigenous crafts and sustainability, it has not been extensively researched and explored upon. In the forthcoming years, the fashion industry will have to re-invent itself to move towards a more holistic and sustainable circular model to balance the harm already caused. And closed loops of the circular economy will help the integration of indigenous craft knowledge which is regenerative. Though sustainability and crafts of a region go hand- in- hand, craft still have to find its standing in the mainstream fashion world; craft practices have a strong local congruence and knowledge that has been passed down generation-to-generation through oration or written materials. This paper aims to explore ways a circular economy can be created by amalgamating fashion and craft while creating a sustainable business model and how this is slowly being created today through brands. KEYWORDS: Circular Economy, Fashion, India, Indigenous Crafts, Slow Fashion, Sustainability, Up-cycling
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Yeap, Wei Jian, Qi Zheng Lee, Anie Jelie, Nurfatin Adibah M Habib, Sulaiman Sidek, Zulkifli M Zin, Hazrina Abdul Rahman, et al. "Pioneering Application of Plasma Spray Coatings to Improve the Erosion Resistance of Rod Based Wedge Wire Screen." In SPE Annual Technical Conference and Exhibition. SPE, 2022. http://dx.doi.org/10.2118/210377-ms.
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Abstract Managing sand production has been a common problem and one of the most difficult challenges within the oil and gas industry. Various techniques are available to control sand production such as downhole sand screens. More than half of the wells in Malaysian fields are completed with downhole primary sand control or require sand management throughout their lifetime. To further aggravate the issue, most primary sand controls installed have suffered from failure after an extended period of production due to unacceptable high pressure drop in the near wellbore area which causes the screen to lose the ability to retain the formation sand particles. There are four (4) common mechanisms that can lead to the screen failure which include plugging, corrosion, erosion, and mechanical deformation. Erosion occurs when the formation particles hit the screen surface with high velocity or by continuous production through the screen openings. Operators are often compelled to rely on thru-tubing metallic sand screen to reactivate the idle wells back into production. However, most metallic sand screens suffer from sustainability issue due to excessive erosion especially for gas wells. Most operators have shifted their focus to maximize the screen lifetime against erosion, which consequently leads to the development of a novel sand screen design where an inventive coating consists of ceramic or hard metal amalgamation was applied by plasma spraying technique on the screen (i.e., outside surfaces facing the formation) to reinforce its resistance against severe erosive environment. An extensive development and verification program was conducted to select over 50 possible coating combinations, guarantee predefined slot size, assess corrosion resistance, and ascertain mechanical integrity of both the coating and screen. The technology has been considered and applied in Field A, offshore Borneo Island as remedial sand control due to its superior durability and resistance compared to metallic sand screen. Extensive technology hunting had been conducted by the operator to identify new erosion resistant thru-tubing sand screen for gas well application. As part of the overall project requirement, test facility was built by the Service Partners that consists of a flow loop testing designed to simulate accelerated erosive downhole condition with the combination of high flowrate and volume-controlled particle coalesced into an acceleration tube. The screens were tested for 60 hours at maximum velocity of 18 m/s during liquid erosion test and for 48 hours at maximum velocity of 80 m/s during gas erosion test. Rigorous analysis was conducted focusing on among others optical criteria, mass loss and sand retention tests (SRT) before and after the erosion test to verify the functionality and validate its performance prediction prior to the actual field application. Velocity calculation was also conducted using in-house and commercial software to adjudicate the design limit, to set the target gas rate for the pilot wells and establish the well unloading procedure as guidance for offshore personnel. Pilot field trials have been designed to demonstrate screen installation, risk mitigation and sustained production. Dual-pot sand filter (DPSF) and online sand sampler (OSS) was deployed as additional assurances to safeguard topside integrity, to closely monitor the sand production at surface and collect any sand grains larger than the screen slot sizing throughout the well unloading sequence. Close inspection on both erosion tests indicated no significant wear or slot size widening of the coated screen samples as compared to the uncoated screen samples that show severe erosion with slot size increases more than doubled in some places. The coated screen samples show the equivalent sand retention capabilities before and after the erosion tests, while the uncoated screen sample subjected under the same conditions lost its ability to retain sand. During field trial, the screen was successfully installed using nipples plug via slickline to revive the idle wells back to production at a lower total cost without HSE related issue and production gain beyond the initial target. Actual field results supported by the extensive laboratory testing presented herein, demonstrate the inherent benefit of plasma spray coatings ensuring mechanical integrity and durability of sand screen in highly erosive environment. Teardown analysis will be conducted to investigate the performance prediction, authenticate erosion resistance of the sand screen bottomhole assemblies (BHA) and document the findings for future improvement.
Reports on the topic "Bank amalgamations"
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Staff - Groups - Queensland Government Savings Bank - Brisbane - prior to amalgamation. Reserve Bank of Australia, March 2021. http://dx.doi.org/10.47688/rba_archives_pn-016327.
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GOVERNORS & SENIOR PERSONNEL - Robert Gibson - Western Australian Government Savings Bank - Amalgamation. Reserve Bank of Australia, September 2021. http://dx.doi.org/10.47688/rba_archives_2006/03476.
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GOVERNORS & SENIOR PERSONNEL - Robert Gibson - Government Savings Bank of New South Wales - Amalgamation. Reserve Bank of Australia, September 2021. http://dx.doi.org/10.47688/rba_archives_2006/03473.
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GOVERNORS & SENIOR PERSONNEL - Robert Gibson - Savings Banks - Suggested Amalgamation of all Australian Savings Banks. Reserve Bank of Australia, September 2021. http://dx.doi.org/10.47688/rba_archives_2006/03466.
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Research Department - Banking Section - Savings Banks - General - Amalgamation Agreements - Proposed Re-establishment of the State Savings Banks - 1956 - 1958. Reserve Bank of Australia, September 2021. http://dx.doi.org/10.47688/rba_archives_2006/14851.
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