Bandhan The Making Of A Bank Pdf

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Bandhan was set up in 2001 as a not-for-profit entity with the objective of financial inclusion and women empowerment through sustainable livelihood creation. It started its microfinance operations from Bagnan, a small village, about 60 km from Kolkata. The model followed for delivery of microfinance services was individual lending through group formation. Bandhan focused on serving underbanked and underpenetrated markets. [5]

In April 2014, Bandhan received an in-principle approval from the Reserve Bank of India (RBI).[7] On June 17, 2015, RBI granted the banking licence to Bandhan, making it the first-ever microfinance institution to become a universal bank in India. [8]

Bandhan Bank through its network of 5,639 banking outlets[3] is spread across metro, urban, semi-urban and rural India. The key focus areas are micro-entrepreneurs, MSME segment, housing finance and retail assets. It is interesting to note that 84.5% of the Bank's deposits are in the retail segment, thus, granular in nature.

In one of the management committee meetings of Bandhan Bank, at its headquarters in Kolkata, a few months before the bank was launched, chairman and managing director Chandra Shekhar Ghosh narrated a story: A gentleman was seen standing on a railway platform, asking the station master many questions. His first question was what time will the Poorva Express come from Delhi? And the next, what time will Toofan Express go to Delhi? Do you know, why was he asking such questions?"

Senior executives of the bank were happy with the films, but not Ghosh. He called for his driver Shyamlal, and Samiran Das, who served tea on that floor. He wanted them to watch the clips. Only when he was convinced that the message was clear to Shyamlal and Samiran did he smile.

Those who know him well say he is modest. Underneath his apparent naivety, there is a wise and even wily man. He is a man with uncommon common sense. He looks very simple, but he is very sharp. People often misjudge his wisdom by looking at his simple exterior and he uses this to his advantage," says Brij Mohan of SIDBI. A central banker who met Ghosh at the RBI office in Kolkata (it was love at first sight") was completely taken in by his simplicity. He lacks articulation but knows the language of the poor. He could instantly strike a chord as he has enormous empathy for them," says this gentleman who does not want to be identified, as he is a regulator.

Y.C. Nanda of NABARD (National Bank for Agriculture and Rural Development), who had been on the board of BFSL, the non-banking finance company which got the banking licence, since 2008, says, Initially, I would advise him frequently, tell him what BFSL should do, and he would listen to me quietly and would never argue. But I stopped advising him after I found he knew much more than I did. His assessment and judgment were far superior to mine."

He started looking at technicalities and found some reason or other to call for close scrutiny of books in certain pockets where the loan demand was too high. Following this, he either cut down the size of disbursements or put them on hold. Nobody suspected anything but his purpose was served. Later, when he was convinced that banks would not stop giving money to Bandhan, it was not difficult to resume giving loans, and the loan growth in the second half of the fiscal year 2015 was phenomenal.

Brij Mohan finds him very good at reading between the lines and that makes him a tough negotiator with auditors, raters and investors. He has also the ability to see things from a different perspective. For instance, when everybody is blaming the over-aggressiveness of the MFI industry for the Andhra Pradesh crisis, Ghosh held the banks responsible as they were flooding MFIs with money. Had they not been pumping so much money, how would the MFIs manage to grow their balance sheet?" he asks.

As an example, we will be converting a sample PDF bank statement from JPMorgan Chase which will convert into 2 pages. If you would like to convert only certain pages from the PDF document, see our tutorial on how to extract pages from a PDF document.

When the download is complete, click the arrow to show the download in your file explorer. Move the download to your preferred location. If you will be merging multiple bank statements, these will all need to be in the same folder.

Now that you have moved your document, click on it to open it and you will see your converted PDF in your chosen program! You have now successfully converted your bank statement from PDF to CSV, Excel, XML or HTML!

Ensure you have updated the path in the macro to point to where your converted XLS files are saved in Windows Explorer. Exit the VBA page. Click Macros again and then run the macro you have just created. Your bank statements will now all be in one master Excel document on multiple sheets. This will now be saved to use again when you convert more PDF bank statements.

The FDIC provides a wealth of resources for consumers, bankers, analysts, and other stakeholders. Browse our collection of financial education materials, data tools, documentation of laws and regulations, information on important initiatives, and more.

The FDIC is proud to be a pre-eminent source of U.S. banking industry research, including quarterly banking profiles, working papers, and state banking performance data. Browse our extensive research tools and reports.

The FDIC publishes regular updates on news and activities. Keep up with FDIC announcements, read speeches and testimony on the latest banking issues, learn about policy changes for banks, and get the details on upcoming conferences and events.

The FDIC has prepared videos and brochures to help consumers, bankers, and even bank employees understand how deposit insurance works, the accounts covered by deposit insurance, and how to calculate insurance coverage.

FDIC deposit insurance enables consumers to confidently place their money at thousands of FDIC-insured banks across the country, and is backed by the full faith and credit of the United States government.

You can look at loan types by purpose or by how they function. Here are some basic loan terms borrowers should know. Unless otherwise noted, all are available from banks, credit unions and online lenders.

While auto and mortgage loans are designed for a specific purpose, personal loans can generally be used for anything you choose. Some people use them for emergency expenses, weddings or home improvement projects, for example. Personal loans are usually unsecured, meaning they do not require collateral. They may have fixed or variable interest rates and repayment terms of a few months to several years.2. Auto LoansWhen you buy a vehicle, an auto loan lets you borrow the price of the car, minus any down payment. The vehicle serves as collateral and can be repossessed if the borrower stops making payments. Auto loan terms generally range from 36 months to 72 months, although longer loan terms are becoming more common as auto prices rise.3. Student LoansStudent loans can help pay for college and graduate school. They are available from both the federal government and from private lenders. Federal student loans are more desirable because they offer deferment, forbearance, forgiveness and income-based repayment options. Funded by the U.S. Department of Education and offered as financial aid through schools, they typically don't require a credit check. Loan terms, including fees, repayment periods and interest rates, are the same for every borrower with the same type of loan.

Bandhan Bank Ltd. is headquartered in Dalhousie Kolkata, West Bengal. Bandhan Bank is present in 34 out of 36 states and Union Territories of India. Presently Bandhan Bank has 5,371 banking outlets pan-India serving more than 2.30 crore customers.

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Branch Banking refers to a system in which a bank provides banking services through a wide network of branch offices. If a bank has ten branches in a city, account-holders can choose a nearby branch to make deposits, withdrawals and avail of other services.

Sam is an account holder of Moneywise Bank. He usually visits the Townsville branch for making deposits and withdrawals. For some reason, he needs to visit his hometown in Somerset. Luckily Moneywise Bank has a branch office in Somerset. Sam no longer needs to carry extra cash on his trip. He can withdraw money as and when he desires from the Somerset branch office.

A bank branch consists of a staff who can guide you in choosing the account type that suits your needs. You will need to fill an account opening form with your details. For opening a current or savings account, you will usually need to deposit some money into the account.

An important branch banking job involves offering loans to customers based on their needs. It provides loans to customers up to a certain limit with some interest charged on it. The customer has to repay the loan amount along with interest in the form of monthly instalments. Banks also lend money to businesses in the form of short-term loans and long-term loans.

A fund transfer is the movement of funds from one person to another through the banking system. Apart from the electronic transfer of funds, you can also transfer money from one account to another by check.

Safeguarding public wealth is another important function that a bank performs. Banks also provide a safe deposit locker facility. Customers can use them to store their valuables, gold, documents, and other things.

Wells Fargo, Bank of America, Standard Chartered, Citibank, JPMorgan Chase, and many other banks operate through branch offices across different states. For instance, Bank of America is amongst the top largest banks in the United States. It was founded in 1998 in North Carolina. The bank was a result of many acquisitionsAcquisitionsAcquisition refers to the strategic move of one company buying another company by acquiring major stakes of the firm. Usually, companies acquire an existing business to share its customer base, operations and market presence. It is one of the popular ways of business expansion.read more, and as such, the history can be traced back to centuries. 2b1af7f3a8

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