Retail Assets in Banks has grown due to the trend among banks to grow at a much faster space. Unlike the commercial exposures banks manage retail assets on pooled basis. In this paper, we discuss the methodology of creating pools of revolving retail assets. We compare the capital charges...

Pre-open auctions have been widely implemented across trading exchanges. Pre-open auctions tend to reduce information asymmetry and trading risks. Call auctions have been encouraged to enhance price discovery. This paper explores the shifts in information content of the pre-market auction...

With the increasing competition, decreasing customer loyalty and plethora of banking products, it has become essential in today’s sluggish economy for banks to accurately position themselves. This paper presents a credit marketing model using an advanced data mining for acquisition...

The transaction cost of intermediation between the lenders and borrowers is a crucial challenge for the lender and borrower. With the expansion in consumer lending and competition among banks, the necessity of reducing transaction costs to improve the quality of lending is critical for Banks....

This paper highlights the moral hazard problem in credence goods offered in the market as referral services. Credence Goods includes goods purchased with trust that is not observed by consumers who make the purchase, which makes disutility on the consumer. The paper aims to determine if both the...

Mr. Ramesh a customer of HDFC Bank read in the newspaper The Times of India on 2nd August 2017 about the repo rate was reduced by the Reserve bank of India, from 625 Basis Points (BP) to 600 basis Points (BP). The newspaper on 2nd August 2017 also mentioned that all banks were expected to follow...

This paper examines dependency among the line of business in the non-life insurance industry towards arriving at solvency II margin capital requirements. The accurate dependence between lines of business is crucial for capital allocation. The factors attributed to variability in claim volumes by...