WE LIKE

PRESENTATION
RITU SHAILENDRA SINGH
HPGD/JA21/2136
WE TUBE
 1
MORAL BEHAVIOR
MORAL BEHAVIOR

* Action or action that produce good outcomes for the

individual as member of a community or society. It can be
applied to the whole global society.
* Schulman defines moral behavior as "acts intended to
produce kind and/or fair outcomes.
The Agencies of Socialization affecting our
Morality
* Family – The basic unit in a society. It includes one's biological or
adoptive family of orientation. The same provides us with our basic
needs to survive and develop as a significant member of the society.

*School – It may include formal or non-formal education system that

provide a child with his learning needs.
 *Mass media – Those agencies that are purposive of entertaining
,informing and education through various channels like this
 Radio,television, printed materials etc.
Approaches in the development of
moral behavior
* Psychoanalytic Approach – Expresses the idea that when the
superego dominates the individual , he or she is good because he or
she has a conscience that tells him or her to be good.

* Social-group Approach – Claims that we behave the way we do

because people expect us to behave that way.

*Learning – theory approach – Says that we have been trained

and disciplined of our upbringing and by the examples of our parents
into behaving the way we should.

 2
 GOAL SETTING
INTRODUCTION
*Goal – A goal is desired result that a person plans and
commits to achieve.
*Goal setting – Goal setting involves the development of
an action plan design to motivate of an action plan
designed to motivate and guide a person or group toward
a goal.
Type of Goals
* Short Term Goal- A short term goal is something you want to do in
the near future. the near future can mean today this week,this month
, or even this year.
A short-term goal is something you want to accomplish soon.
* Long Term Goal – A long term goal is that goal which takes a long
time to achieve.

What is smart goal ?

Ans -
Steps to set goals
 3.
 CORPORATE ETHICS
 What is Ethics?
* Ethics, also known as moral philosophy , is a branch of philosophy
that addresses questions about morality – that is, concepts such as
good and evils , right and wrong, virtue and vice ,justice and crime
,etc.

What is Corporate Ethics ?

Business ethics is a form of applied ethics or professional ethics that
examines ethics principles and moral or ethical problems that arise in
a business environment . It applies to all aspects of business conduct
and is relevant to the conduct of individual and entire organization.
Three levels of business ethics
* In our mission to define business ethics, Johnson and Scholes provide a
useful way of classifying the diverse element therein;
* The macro level:
*the role of busniess in the national and international orgination of
society
*international relationship and the role of business on an
international scale.
*The corporate level:
*corporate social responsibility.
*ethical issues facing individual corporate entities ,when formulation
and implementing strategies.
*The individual level :
*the behavior and actions of individuals within organisation.
 Ethical Rules and values for Corporation
*Always Help others
*Be Honest-Don't lie
 *Follow the rules and policies
 *Respect others
 *Be loyal and hard working
 *Do right and follow right.
*We Lounge
 We Lounge

 Mr. Amit Garg, CFO

 1.
 IMG Group
Executive Summary
* The Objective of this presentative is to demonstrate mu understanding of IMG
competitive landscape and its strategies.This presentation revolves around IMG's SWOT
and suggestions for entering into potential developing econmies.

OBJECTIVES OF THIS PRESENTATION

There is a two way objective for this presentation:
* Give an overview of IMG's
Strengths,Weaknesses,opportunities,and Threats form an prospectives interns
perspective.
*Recommend alternate solutions to IMG on the basis of the SWOT analysis.
IMG Competitors
* The Origins of sports marketing date back to 1970"s and ever since IMG has
developed competition in every aspect of marketing discipline .
* IMG"s competitor list is extensive but their main competitor are Octagon (Marketing)
and Sunset + Vine (Production)
 Mr. Satish Jamdar


 2.
 MD,Bluestar Ltd
Introduction
* It was founded 1983,India's largest central air-conditioning and
commercial refrigeration company.
*Headquarter: Mumbai,bangalore,Singapore,Malaysia,London.
*CEO-Sunil Bhatia
*Over 65 years experience
* 8 modern manufacturing facilities.

Services
* Greenfield project design & execution for cold chain
projects,including pack houses ,bulk storges and perishable cargo.
*Installion & commissioning of cold storages
*Installion & commissioning of central AC parts
*Energy audit studies.
Unique Selling proposition
*Blue star eyes 60% sales from small towns
*Reworking on advertising strategy to tap the boorming market.
*offers and discount occasionally
*Advertisments
*Online shopping

Key Issues in customer satisfaction

*Its durabilty
*power consumption
*High maintenance cost
*There should be auto sensitive
*Price should be reduced
 Mr. Apurva Sircar

 3.
 IDBI Federal Life Insurance
 Introduction:
 *Started in March 2008
 *Joint-Venture
 *One of the fastest growing
 *Customer-centric brand
 *CEO-Mr.Vighnesh Shahane
 Market share:
 Mission & Vision
* VISION:
 To be the leading
 Provider of insurance plans
 Adds value to their lives

*MISSION:
Continually strive to enhance customer experience
Superior service delivery
Customer in the most convenient and cost effective
Products of company
* IDBI Federal has 4 major products which cater to the neends of
the indian customers.IDBI Federal products:
 3.
NEWSWIRE
 1.GOLD LOANS TURN FASTEST-GROWING
SEGMENT AS BANKS LEAN ON SAFETY
* To this end, players like Manappuram Finance have embarked on offering competitive
interest rates to high ticket-size gold loan customers and have been able to win back
such customers from banks and some of the other gold loan NBFCs,” they noted.
* Gold loans have become the fastest-growing major loan segment for banks in a year
when the persisting pains of the pandemic have led lenders to look for low-risk growth.
Outstanding loans against gold jewellery stood at Rs 62,926 crore as on August 27, 66%
higher on a year-on-year (y-o-y) basis, as per sectoral data put out by the Reserve Bank
of India (RBI).
* Lending against gold has been seen as the safest form of retail lending, at par with
housing loans. In the last few years, public sector banks, too, have made an aggressive
push in the segment in order to grow their retail books securely.
RELATED NEWS
 * RBI panel pitches for strict regulation of digital loan apps
 *Collections will sustain at pre-Covid levels if there is no lockdown: Sanjay Agarwal,
MD & CEO, AU Small Finance Bank.
* In August 2020, the RBI had increased the permissible loan-to-value (LTV) ratio
for loans against pledge of gold ornaments and jewellery for non-agricultural
purposes to 90% from 75%. The rule was applicable up to March 31, 2021.
Analysts at Motilal Oswal Financial Services have pointed out that despite the
regulatory arbitrage of higher LTV ending in March 2021, banks have
continued aggressively disburse gold loans.
* To this end, players like Manappuram Finance have embarked on offering
competitive interest rates to high ticket-size gold loan customers and have
been able to win back such customers from banks and some of the other gold
loan NBFCs,” they noted.
* In May, C S Setty, MD, State Bank of India had observed the bank has ramped up
the facility of gold loans across the country and that has helped grow the
portfolio to Rs 20,000 crore as on March 31, 2021.
2.CHALLENGES OF CASHLESS HEALTH
INSURANCE – ALL YOU NEED TO KNOW
* The coverage offered by these policies helps one overcome the expenses that otherwise
would have to be paid out of their pocket.

* The pandemic has been an eye-opener for people and most since then have started
opting for insurance, especially health insurance. Medical expenses have also been spiking
for the past few years. Along with that, it is difficult to ignore the inflated medical bills
that have been visible during this ongoing pandemic. Under such situations, having a
health insurance policy comes to one’s rescue as it keeps one financially equipped during
any medical emergencies.
* Having said that, these policies come with
their own set of merits and demerits:
* Claim settlement – Partial claim settlement is one of the biggest problems with the
cashless option. It is seen in certain situations, the insurance company pays only for a
specific portion of treatment cost as cashless settlement. Some insurers also offer to make
a portion of a claim cashless and reimburse the pending amount later. In that case,
policyholders will have to immediately pay the pending amount from his or her pocket and
later get it reimbursed from the insurance company.
* Cashless-treatment hospitals – To avail the benefit of cashless treatment, one needs to
visit a networking hospital. Hence, experts suggest one should keep a note of all the
network hospitals near their vicinity so that there is no confusion during any medical
emergency. If one is not able to find any networking hospital or the hospital needs
additional time to process a cashless claim, then the policyholder has to bear the cost and
later get the amount reimbursed from the insurer.
* Documentation – Pulling out certain documents can be sometimes daunting in a
hospital. Additionally, failing to provide the required documents on time could be
problematic during the claim process.
3.HEALTH INSURANCE: TIPS FOR BUYING
HEALTH PLAN FOR SENIOR CITIZENS
* Look for medical insurance with the shortest waiting period and minimum
number of diseases under this period

* There are two of health insurance policies available foe senior citizens
First comprehensive plan with an entry age of up to 65 years,which is more
expensive but gives wider coverage
The Second senior citizen specific plans .which are cost-effective but have fewer
benefits.
* Here are some important factors which you should
consider while buying medical insurance for senior
citizens.
*Entry and renewal age: Most insurers offer health insurance plans with entry age of
60-80 years and few have no entry agefor these plans.Go with those plans where no entry
age restriction are there.purchase those plan where the long life renewability features
are offered by your insurer as this varies from insurer to insurer.
* Waiting period
A waiting period in a health plan is applicable to specific diseases. It usually lasts up to
two to four years. Look for medical insurance with the least waiting duration and fewer
number of diseases under the waiting period.
* Deductibles
The deductible is the amount you pay yourself before the policy begins to pay benefits.
To reduce the premium, one can opt for deductibles instead of co-pay. Deductibles are
better than co-pay since the former is a fixed amount while co-payment is a percentage
of the total claim.
 4.
TRANSFORMING BANKING: THE DIGITAL WAY
*Banks and financial services firms today are compelled to go digital. While restraint by
some is understandable, the change is both necessary and worthwhile.

It has been a little over a year since digital transformation topped agendas in the
financial sector, around the globe. Banks and traditional financial services companies
have often been slow to adapt to the digital revolution, but Deloitte has pointed out in a
report that digital transformation can provide a significant advantage.
* The need behind the transformation: The operational efficiency of an organisation is
directly related to its technological maturity. Efficiency is the hallmark of digitally mature
organisations, and it lets them maintain low overheads. On the other hand, organisations
that continue to use legacy systems tend to be underperformers.

*Understanding the deterrents: Transformation of any kind comes with challenges –

more so when it pertains to digital, as it threatens the way of working of so many
people. In addition to these regular ones, financial institutions must find a way to
overhaul their complex business models and legacy systems.

*Custom(er)ising the banking journey: Consumers demand an easy, seamless,

and fully customised experience. For them, both grocery shopping and
banking are transactions – if they can take care of the former from an app,
they expect the latter to provide similar convenience. Four out of five
financial institutions agree to this trend, according to BCG, and yet 43% of
them haven’t developed a digital strategy.

*Succeeding at trial-by-transformation: Despite the challenges ahead, leaders in

the financial sector have an incredible opportunity to redefine the customer
experience. The effects of digital transformation through experience
engineering can permeate all levels of a consumer’s life, considering how
banking is the backbone of almost all economic activities.
5.REDUCING FRAUD WITH ACCOUNT
VERIFICATION

* The pandemic has driven the need for online payment methods, the need to reduce
fraud, and at the same time, to increase the volume of secure ACH transactions.
According to the National Automated Clearing House Association (NACHA), which
enables ACH payments, organizations are required to have account verification as part
of their fraudulent transactions detection systems.
* There were 7 billion payments made on the ACH Network during the fourth quarter
of 2020, reflecting an 8.9% increase over the same period in 2019. Accepting
digital payments is here to stay, and will only increase in both volume and
importance. There is a growing need to instantly connect accounts for ACH and RTP
money movement.
* Modern Connectivity : MX's Modern Connectivity solutions provide access to
data required for enhanced fraud detection for ACH transactions per the 2021
NACHA ruling that leverages our advanced solutions to route users to multiple
connection methods accepted under the new rule.
* Instant Account Verification: MX has simplified the micro-deposits process
with instant account verification. Micro-deposits, or micro-transaction
verification, are also NACHA compliant. MX offers this type of connection through
a partnership with Dwolla. The MX micro-deposit verification removes the need
for clients to manage their own ACH and micro-deposit processes.
* Looking Forward : The new rules for ACH deposit entries are NACHA's attempt
to combat and reduce fraudulent online activity. To stay "commercially
reasonable" and comply with these new standards, you need a solution that can
help you verify account information safely, reliably, and securely.
6.LIFE INSURANCE: PREMIUM COLLECTIONS UP
FOR PRIVATE PLAYERS
* Overall growth in APE was strong at 23% y-o-y for private players in October 2021

Individual annualised premium equivalent (APE) growth remained strong in October

2021 for private players (up 23% y-o-y/19% growth on 2-year CAGR basis). Strong
traction in non-par savings reflecting substitution of fixed deposits (FDs)/small savings
and rally in capital markets supporting unit-linked insurance plans (Ulips), are likely
drivers.
* Individual APE growth remains strong: Overall growth in APE was strong at 23%
y-o-y for private players in October 2021, down 2% y-o-y for LIC. On a two-year
CAGR basis, individual APE growth has increased for private players to 19% in
October 2021 from 18% in September 2021, 14% in August 2021, 10% in July 2021
and 4% in June 2021. Individual sum assured was down 2% y-o-y for private players,
indicating sluggish individual protection business. Group sum assured was up 24% y-
o-y while group APE was down 6% y-o-y.

HDFC Life: Overall APE was up 19% y-o-y on the back of 21% y-o-y growth in
individual APE (on high base). On a two-year CAGR basis, individual APE growth at
33% (15-31% over July-September 2021) significantly outpaced industry average for
private players (up 19% y-o-y). Individual sum assured was down 7% y-o-y. Group APE
was up 5% y-o-y likely reflecting its focus on the GTI segment.
* ICICI Prudential Life: It reported 23% y-o-y growth in individual APE; at par with
industry, despite low base. On a two-year CAGR basis, individual APE was down
2% compared to 4% growth in September 2021 and 2-11% decline over June-
August 2021. Weakness in individual protection (individual sum assured down
12% y-o-y) has likely led to the drag in individual APE growth for ICICI Prudential
Life; growth in Ulips, non-par and pension will likely offset in coming months, in
our view. Group APE down 3% y-o-y while group sum assured was up 63% y-o-y,
likely indicating strong growth in the credit life business

* Max Life: Max Life’s individual APE was flat y-o-y in October 2021 (on a high base of
49% y-o-y in October 2020).
On two-year basis, Max Life’s individual APE growth increased to 22% from 12% in
September 2021, 10% in August 2021 and 6% in July 2021. After lagging industry
average (2-year CAGR basis) over the past three months, its individual APE revived
during the month.
Group APE growth was strong at 69% y-o-y as well.
7.HOW YOU CAN BENEFIT FROM GROUP
INSURANCE AS AN EMPLOYER
A group insurance policy acts as a morale booster for employees as it shows how much
you care for them as an employer. When employees are happy and satisfied, it
ultimately reflects in the work performance too.

The success of any business hinges on many internal and external factors.
The performance of its employees is one of the most important factors among them
and depends largely on the work culture of the company, job stability and financial
security, career progression opportunities, recognition, perks provided and other
benefits
* Here’s how you can benefit from a group insurance policy as an employer

.Boosts employee retention: The financial security offered by a group life

insurance policy boosts employee retention as employees are assured that the
financial needs of their families will be taken care of through the proceeds
received from the policy in case of any uncertain event.

.Acts as a morale booster for employees : A group insurance policy acts as a

morale booster for employees as it shows how much you care for them as an
employer. When employees are happy and satisfied, it ultimately reflects in the
work performance too.

.Avail tax benefits: The premiums paid for group insurance policies are eligible
for tax deduction under relevant sections of the Indian Income Tax Act, as it is
termed as a business expense for the company. As an employer, you can show
this expense in your profit and loss account.
8.GOVT MAY NOT INFUSE CAPITAL
INTO STATE-RUN BANKS IN FY23
* The government may not allocate funds towards bank capitalisation in the FY23
budget, a first in a decade. This comes as all state-run banks have turned profitable and
the newly set up bad bank is expected to help free up capital for lenders.

In FY22 budget, the government had set aside Rs 20,000 crore for bank capitalisation.

"We do not foresee any capital requirement for lenders going forward. They all have
plans to raise capital from the markets," said a government official, adding that this
year allocation will be done by the end of March.
As the economy recovers, we don't expect bad loans to rise substantially putting a
pressure on PSBs financials," he said adding that the government is, however,
committed towards our banks and will provide them support if needed. The
buoyant capital markets are expected to make capital raising easier.

 Last month, finance minister Nirmala Sitharaman had said that the
government's 4 R strategy of Recognition, Resolution, Recapitalisation and
Reform has led to a turnaround in performance of Public Sector Banks (PSBs).
"While in 2018, only two of the 21 PSBs were profitable, in 2020-21, only two
lenders reported loss," she said adding that Rs 58,697 crore is being raised by
PSBs, of which Rs 10,543 is through equity alone
With both
Indian Overseas
NSE -1.20 % Bank (IOB) and UCO Bank out of the Reserve
Bank of India
's prompt corrective action (PCA) framework, the government is hopeful that these
lenders will also be able to tap the markets soon.

"We expect
Central Bank of India
NSE -1.63 % to exit from the regulators plan by next quarter," the above quoted
official added.

Another government official said that while there may not be any additional
requirement for state run banks on account of meeting regulatory norms, the
government may take a final call depending on what stage its bank privatisation
attempts have reached.
8.DIGITAL LENDING: A BRIDGE TOWARDS
FINANCIAL INCLUSION
* Digital lending is the process of availing credit online. Its increased popularity
amongst new-age lenders can be attributed to expanding smartphone penetration,
credit range flexibility, and speedy online transactions.

*Digital lending is a powerful tool that can be used for financial inclusion. With new
innovations underway, digital lending has enabled many Financial Service Providers a
way to offer much better products to the masses at a much faster rate which is even
more cost-efficient. Digital lending can prove to be a tool acting towards the growth of
higher quality of financial services to underserved businesses and people
* What is Digital Lending?
It is believed by many that FinTech is one of the major forces that could clear the
roadblock of low financial inclusion. The Banking, Financial Services and Insurance
sector have gained major traction in the last few years and have revolutionized the
loan procurement and disbursal system through FinTech. The growth of digital lending
has been phenomenal and this growth has driven digital lending as well. A 2016 KPMG
report found alternative finance globally had become a US$145 billion industry,
growing 264% in just one year, from 2014-2015.

* Why do MSMEs prefer Digital Lending over Traditional Lending?

Digital lending is mostly preferred by those who are generally not able to
avail any credit through the formal sources of finance, like banks. One of the
major examples is the rise of growth of adoption by the Micro and Small
Management Enterprises (MSMEs). The online lending platforms have gained
massive popularity among MSMEs post Covid as they were unable to secure
finance through the traditional lending institutions and thus had to go
towards digital lending.
9.DIGITAL LITERACY MAKING WAY FOR INDIA’S
FINANCIAL INCLUSION
Digitalisation in India is no longer a luxury existing as an add-on feature to functions
like banking, shopping, traveling and others.

By Milan Dolansky, Chief Digital Officer, Home Credit India

Digitalisation in India is no longer a luxury existing as an add-on feature to functions
like banking, shopping, traveling and others. It has now percolated to almost all
walks of life, transforming businesses and governments to become a new way of
life. Be it paying a vegetable vendor through a United Payment Interface (UPI) or
filing taxes online, New India is adapting to a digital lifestyle at a rapid pace. The
country currently has over 45 per cent of its population online. This is well
reflected in the 53.9 ratings of the Reserve Bank of India’s Financial Inclusion Index
for March 2021.
* Successive attempts by the government through programs like Digital
India programme, have empowered a large part of the population with basic digital
literacy skills. However, there now exists a need to channelise this acquired literacy
into economic activities for the whole population to come under the ambit of digital
financial inclusion.

*Currently, digitised banking has reached over 420 million people in India, making space
for digital financial inclusion. This is playing a large hand in bringing socio-economic
behavioural changes towards digital finance. It is allowing India’s rural and semi-rural
population to be open to using digital gateways securely. Due to this inclusion, the
country’s digital payment value is expected to grow more than double to $135.2 billion
by 2023, according to an ASSOCHAM – PwC, 2019 study.

*Technology is acting as a chronicler in India’s digital inclusion revolution by offering

easy-to-use mobile applications, multiple regional language modes, speed, and offering
safe and secure transactions to the masses. It is aiding digital financial inclusion across
the country with the use of digital payment gateways like RuPay, BHIM, and other
mobile payment solutions.
10.MORE THAN 80% INDIANS SUPPORT RBI MOVE TO STOP
AUTO DEBIT: LOCALCIRCLES SURVEY
* Even as many multinationals and tech start-ups cry foul over the Reserve Bank of India’s
(RBI) move to stop the auto debit rule, many customers seem to have given it a thumbs
up.

83% of Indian consumers who paid for apps on Google Playstore, Apple App store and
Windows Store support RBI to mandate OTP-based authentication for all app purchases
and renewals, a LocalCircles survey said.

RBI has stopped automatic recurring payments for all services offered by various
companies such as Amazon, Netflix or several applications or apps. This would mean that
money cannot be directly debited from a customer’s credit card or bank account without
his permission.
* Many companies and start-ups have claimed that this has caused disruption as many
customers are unable to or unwilling to undergo the monthly permission routine.

*The survey said that many Indians said that they have had problems with the auto
debit rule earlier.

* 46% of Indian consumers who paid for apps on Google Playstore, Apple Appstore and
Windows Store say they had a wrong charge/overcharge issue in the last 12 months,”
the survey said.

*46% of Indian consumers who paid for apps on Google Playstore, Apple Appstore and
Windows Store say they had a wrong charge/overcharge issue in the last 12 months,”
the survey said.

The survey included 40,000 responses from 302 districts of India.

The LocalCircles survey also pointed out that in most cases Indians bought the apps
from foreign entities.


 THANK YOU