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or cash management services targeted at the needs of specific customer segments.e. collect receivables and manage liquidity. from purchase order to reconciliation) via ecommerce. real-time reporting. Cost optimization and value-add services are customer demands that necessitate the creation of a mechanism to service the various customer groups.. providing an end-to-end view of cash management value chain besides offering the ability to reach and be reached by their own customers. This includes enabling greater connectivity to internal corporate systems. reconciliation. expanding the scope of cash management services to include ͞full-cycle͟ processes (i. ERP integration. Managing the channels of collections. payments and accounting information efficiently becomes imperative with growth in business transaction volumes. ¢       . Banks are increasingly becoming innovative and anticipating the needs of corporates towards standardization.¢     Efficient cash management processes are pre-requisites to execute payments.

enterprise resource planning (ERP). Electronic banking. The Reserve Bank of India (RBI) has placed an emphasis on upgrading technological infrastructure. real . cheque imaging.

. Structured Financial Messaging Solution. It is important that banks now look towards a shift to fees from float although all those cash management providers who have factored in float money in their product pricing might take a hit. Fox example. But of course there are opportunities also attached like collection and disbursal of payments on-line across the banks. a communication protocol for intra-bank and interbank messages. The evolution of payment systems such as RTGS has posed some tough challenges for cash management providers. the Enactment of Information Technology Act gives legal recognition to electronic records and digital signatures.time gross settlement (RTGS) are just few of the new initiatives. money and debt markets has indeed helped the development of financial infrastructure in terms of clearing and settlement. There are a number of regulatory and policy changes that have facilitated an efficient cash management system (CMS). Other innovations that have supported in streamlining the process are: Introduction of the Centralised Funds Management Service to facilitate better management of fund flows. The establishment of the Clearing Corporation of India in order to establish a safe institutional structure for the clearing and settlement of trades in foreign exchange (FX).

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. Banks have developed a system to overcome this issue. the bank statement will show not only the cleared cheques but also uncleared ones. They allow companies to upload a list of all the cheques whereby at the end of the month.  Balancing a chequebook for a very large business can be quite a difficult process.

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In the case of any discrepancies.      . updated regularly with cheque issuance and payment. the bank balances all cheques offered for payment. Using the cheque issuance data. the cheque is reported as an exception and is returned.   An effective anti-fraud measure for cheque disbursements.

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With this service the banks can offer almost all types of transaction- specific details on activities related to payment like deposits.   Facilitates the cash improvement where.  Balance reporting provides help in procuring a company's current banking information from its accounts. customer payments are . instead of being delivered to business address. It also helps in an effective and efficient management of regular cash flow. cheques. wire transfers etc.

delivered to a special post office (PO) box. Capital structure: ¢    . The bank of the customers opens and processes the payments for direct deposit to the bank account. It is only the customers' payments that are delivered in the PO box and the company's own bank collects the amount and delivers them to the banks of the customers. Lockbox contents regularly removed and processed.

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00 115000070 10 115.00 231. General Insurance Corporation of India (GIC) and other four PSU insurance companies.00 230.00 115.00 278.00 131.71 2006 2007 Equity Share 300.80 2003 2004 Equity Share 300.63 2005 2006 Equity Share 300.00 357.00 131.17 405174119 10 405.80 273796444 10 273.90 131903170 10 131.81 2000 2001 Equity Share 230.01 359005118 10 359.00 1994 1995 Equity Share 300.00 281.National .17 2008 2009 Equity Share 500.01 2007 2008 Equity Share 500.00 115000070 10 115.90 1998 2000 Equity Share 230.00 Promoters and capital structure At present the bank is promoted jointly by the Administrator of the Specified Undertaking of the Unit Trust of India (UTI-I).58 2002 2003 Equity Share 300.00 115.19 2001 2002 Equity Share 230.00 359.58 231580570 10 231.69 278690727 10 278.90 1997 1998 Equity Share 300.71 357709669 10 357.00 273. i.19 230185579 10 230.90 131903170 10 131.63 281630787 10 281.81 191812870 10 191.00 191. Life Insurance Corporation of India (LIC).69 2004 2005 Equity Share 300.                  Ö                   2009 2010 Equity Share 500.00 405.e.

The Oriental Insurance Company Ltd and United India Insurance Company Ltd.Insurance Company Ltd. The New India Assurance Company Ltd. ´  >                    ? @    .     ?            @ .

..The above graph represents Credit ʹ deposits ratio of axis bank constantly increasing from fiscal year FY05- FY10. Submitted by: Yv santoshkumar Rollno:39 Pgp/iipm/fw 2010-2012 ..This shows how the bank grows year to year..