google part one
Tuesday, February 16, 2010
Monday, February 15, 2010
On internet
We are committed to making our site more accessible and support the
Over the coming months, we will be reworking our tools, product application forms and on-line services to fully meet the Web Content Accessibility Guidelines.
Browser compatibility:
You can view our website on a wide range of browsers.
We have tested the pages of the site with the following browsers:
Microsoft Internet Explorer version 6, 7 and 8 for PCs
Firefox version 2 and 3 for PCs and Macintosh computers
Safari version 3.x for PCs and Macintosh computers
Our on-line banking service requires specific configurations. Please visit our on-line banking page for more information at http://www.rbs.co.uk/
Microsoft Internet Explorer - press 'Alt' and letter, then press enter
Netscape - press 'Alt' and letter at the same time
Microsoft Internet Explorer - hold down 'Control' key and then press letter
H = Load home page
A = Load accessibility page
S = Skip to the main content of a page
We are improving our branches to make access easier for everyone. For example, we are improving lighting levels and fitting handrails to steps.
Where possible, all of our new and refurbished branches have been designed with the following features:
a permanent or temporary ramp
automatic or power assisted doors
audio Induction loops installed on some counter positions and a portable induction loop that can be used during meetings and interviews
interview rooms at ground level with access suitable for wheelchair users
counter positions at lower levels for customers who use wheelchairs and, in branches where this isn't possible, a writing table at a lower level
layout and signage designed with suitable colour contrast to assist our partially sighted customers.
Using cash machines:
All of our cash machines have audible tone prompts after each key depression. The keyboards on our new cash machines also have the following features:
raised dot on the number 5
coloured keys for 'entry' and 'error'
a depression in the middle of the keys making the keys easier to press
Where possible, our newer cash machines have been installed at a height suitable for wheelchair access.
A guide to using our cash machines is available in Braille, large print or on audiotape.
You can contact us using Typetalk. Textphone numbers are provided throughout our website.
For customers with visual impairments we provide the following services free of charge:
statements and general correspondence produced in Braille, large print or on audiotape
brochures produced in Braille, large print or on audiotape
PIN numbers provided in Braille
For customers with hearing impairments we provide the following services free of charge:
Hearing induction loops in all of our branches.
Typetalk.
We can arrange for an RNID Interpreter to be present for meetings, but please bear in mind this may require a few days notice
Investment
We are pleased to announce that Dr. Stephen Norman, the Chief Information Officer for Global Banking and Markets at RBS, will be in India to talk about the future of Investment Banking Technology and the role India has to play.
Focus will be given to the skills that are required to succeed in this high pressure environment in which risk, finance and credit systems are now seen as equally, if not more important, then the front office applications that support trading and sales.
New Delhi NCR - 24 February 2010
Mumbai - 25 February 2010
Pune - 26 February 2010
Sunday, February 14, 2010
Finance
What to Do When Your Credit Card is Stolen
Identity theft has become an enormous problem. If you lose your card or someone steals your identity you need to know how to spring into action. You should also know how to prevent this from happening.
Saturday, February 13, 2010
CC Rates
February 13, 10
This Valentine's Day, break up with a bad bank
The campaign says it's time to boycott big-bank credit cards and their unromantic interest rates. So get your honey a card and some flowers. ...
February 12, 10
JPMorgan faces lawsuit from credit card holder
N) credit card customer has sued the nation's second-largest bank, accusing it of raising the interest rate on his outstanding balance even after he closed ...
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Mexico ccs
New Mexico Credit Card Rates
One of the prettiest and most popular cities in New Mexico is Santa Fe. It’s got charm, history and above all, plenty of exciting shopping opportunities. Before you go browsing through Santa Fe’s stores, be sure to bring a low rate credit card with you. If you don’t have one, and are currently paying an interest rate that’s too high, come see what New Mexico Banking Rates could do for you. Finding you the best credit card rate is our goal.
Don’t put off finding an annual percentage rate you can handle. New Mexico Banking Rates wants to help you make it happen.
Read more...
Banking
MORE>>>>>>>>>>>>>>
RBI further simplifies ECB norms
SEBI constitutes Committee for MIIs
NASSCOM enhances thrust on e-Governance
Consultative paper on Microfinance
RBI extends timings of NEFT
BSE Banking Index, Bankex looses 4.5%
US BANK
US BANK
U.S. Banks not so tight on giving loans – Federal Reserve
Submitted by Mark Menell on Tue, 02/02/2010 - 11:12.
Economy
OF
Banking Sector
Featured TNM United States
U. S. Federal Reserve said on Monday that most U. S. banks stopped tightening standards on many loan types at the end of last year. The Banks even made it easier for consumers to get some loans, but borrowers did not show any enthusiasm to come to the banks for loans.
Because of this, the credit problems can grow up for the banks in United States, the Fed said in its quarterly survey of Senior Loan Officers. Most banks reported that demand for most types of loans is weakening further.
» Read more
Paypal News
It has appeared that personal payments to and from India and transfers to local Indian banks have been temporarily suspended by US online payments company PayPal.
In a weekend blog post on the company website, PayPal specified that since the company is busy working with its business partners and other stakeholders to answer questions they have about the service, it has decided to keep the operations on hold.
No further details regarding the move were made available by PayPal, which is owned by online auction giant eBay.
»
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RBI SURVEY
Banking Sector
Featured TNM RBI
The Reserve Bank of India`s (RBI`s) review of professional forecasters` raised the projections for the country's business segment's profitability growth in the existing plus next financial.
In the last survey, the profit growth of business segment in 2009-10 has been revised upwards to 11.3 percent.
The profit growth is likely to be 18 percent in 2010-11 that has been revised notably upwards from 14.5% in the previous survey.
»
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HDFC BANK
current news of HDFC BANK
HDFC Facilitates Devotees to Make Online Donations
The country’s second largest private sector lender HDFC Bank expanded its religious donation online facility today after it signed an agreement with the Shiromani Gurdwara Parbandhak Committee for offering e-collection service through its payment gateway.
HDFC Bank Country Head, Operations A. Rajan said this tie-up will enable lakhs of devotees of the Golden Temple spread across the world, to conveniently send their offerings to the holy shrine using HDFC Bank's secured net banking services thus enabling the devotees to select the specific purpose for which they want to donate.
»
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Bank news
China’s Central Bank raises the reserve ratio second time in 30 daysSubmitted by Harish Dhawan on Sat, 02/13/2010 - 04:35.
Featured
TNM
China
China has taken another step to pull down the inflationary pressures by raising the reserve ratio for the second time in the month of January.
The People’s Bank of China has raised the rate of deposits by the banks to the central bank by 50 basis points. This move of the central bank of China is taken to prevent the World's third largest economy from overheating. The increased reserve requirement will be effective by February 25, the People’s Bank of China said on its Web site today.
Monday, February 1, 2010
CC faq 2
What should I do if I don't recognize a transaction on my statement?Report this instantly by:
Calling our 24-hour Customer Call Center OR
By filling up the Cardholder Dispute form. Click here with the required details and send it to us at HDFC BANK - Credit Cards Division,P.O. Box:8654, Thiruvanmiyur P.O.,Chennai 600 041
What should I do if I lose my card or it is stolen?If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card. This will help us to immediately block all transactions on your card and initiate the process to deliver a new card to you within the next 3 business days. Any fraudulent transactions after reporting the loss will be borne by us. If you happen to recover the card after having reported it lost, please do not use it. Cut it into 4 pieces, cut it especially through the magnetic strip at least once, and return it to us.
Apply Now
CC faq
CREDIT CARD
FAQs
If you have any queries that are not answered here, please call us or write to us.Please click here to apply online for credit cards.
What is a Credit Limit?
Does the add-on card have a separate credit limit?
How can I pay my monthly Credit Card bills?
What should I do if I don't recognize a transaction on my statement?
What should I do if I lose my card or it is stolen?
Please click here for FAQs on the different products from HDFC Bank Credit Cards.
Please click here for the Online Credit Card application form.
What is a Credit Limit?The 'Credit limit' is the maximum amount you can spend or borrow using your Credit Card. This limit is determined by various personal details like your income, source of income etc. The credit limit is normally raised or lowered depending on your previous years track record in terms of spending and repayment.
Does the add-on card have a separate credit limit?No, the add-on card member shares the same credit limit as assigned to the primary card member.
AXIX Bank
02-02-2010:
Corporate : Etisalat may raise stake in India unit to 50%
02-02-2010:
Axis Bank gears up for Family Office in India
01-02-2010:
New online personal finance tool launched
01-02-2010:
Nifty tests 4900 mark; realty, metal gainMonday, February 1, 2010,10:06 [IST]
01-02-2010:
Nifty hovers near 4900; BPCL, Jindal Steel up
01-02-2010:
My way was the highway
31-01-2010:
The un-banked & the affluent
30-01-2010:
Axis Bank extends its reach in Punjab
29-01-2010:
Bank stocks shrug off CRR hike; BSE Bankex surges 3 per cent
29-01-2010:
Mkts shrug off RBI move, end marginally higherFriday, January 29, 2010,9:43 [IST]
28-01-2010:
Axis Bank in loan agreement with EXIM Korea
28-01-2010:
Nifty breaks losing streak, ends in greenThursday, January 28, 2010,9:38 [IST]
28-01-2010:
Government to shed L T, ITC pies to state companies
27-01-2010:
Sensex tanks 400 pts; all sectoral indices in redWednesday, January 27, 2010,9:49 [IST]
27-01-2010:
Swelling provisioning for bad loans erodes banks' Q3 profits
26-01-2010:
Pvt sector banks to pay big-time bonus
25-01-2010:
Any dip in IT stocks, one should buy frontline ones, Seshadri Bharathan
24-01-2010:
Back And Forth
23-01-2010:
MDI ends on-campus hiring
22-01-2010:
The week in review for 22 January 2010
Axis Bank
DLF seeks to cut high debt cost via bonds, fx loan
30-01-2010:
Impact of CRR hike on lending rates: Experts discuss
01-02-2010:
Nifty tests 4900; realty, metal, pharma, auto up
01-02-2010:
Nifty attempting to stabilise in 4,800-5,100 range
29-01-2010:
10-year yield seen between 7.50-7.60%: RVS Sridhar
30-01-2010:
Hold ICICI Bank, says SP Tulsian
01-02-2010:
Nifty ends flat amid volatility; broader indices outperform
01-02-2010:
Sensex northbound; BPCL, JSPL, Unitech, Wipro top gainers
30-01-2010:
9 stocks that buzzed this week, how to trade them ahead
29-01-2010:
CRR hike to have no impact across sectors: Experts
29-01-2010:
Scene ripe for mkts to recover from oversold ground
29-01-2010:
Sudarshan Sukhani's top 5 picks for trade today
27-01-2010:
Axis Bank may shed 20-25%: Shankar Sharma
29-01-2010:
Accumulate banking stocks: Parag Doctor
29-01-2010:
Nifty ignores RBI move, ends up as banks rule out rate hike
29-01-2010:
Nifty in green; ICICI Bank, BHEL, SBI, HDFC Bk, RIL lead
29-01-2010:
Sensex recovers smartly; banks, cap goods, realty lead
28-01-2010:
Sensex northbound; broader indices outperform
28-01-2010:
Nifty volatile; ITC, Bharti, L&T, Hindalco, TCS down
28-01-2010:
Nifty holds 4900; SBI, Infy, Wipro, NTPC, SAIL, RIL support
World Bank
Moldova: Social Investment Fund II Project
Jan 21, 2010
Sierra Leone: Biodiversity Conservation Project
Jan 21, 2010
Mauritius: Manufacturing and Services Development and Competitiveness Project
Jan 21, 2010
Dominican Republic: Municipal Development Project
Jan 14, 2010
Peru: Safe and Sustainable Transport Project
Jan 14, 2010
Brazil: State of Pernambuco Sustainable Water Project
Jan 12, 2010
Bolivia, Ecuador, and Peru: Adaptation to the Rapid Glacier Retreat in the Tropical Andes Project
Jan 12, 2010
Lao People’s Democratic Republic: Technical Assistance for Capacity Building in the Hydropower and Mining Sector Project
Jan 12, 2010
Lao People’s Democratic Republic: Second Education Development Project - Additional Financing
Jan 12, 2010
Lao People’s Democratic Republic: Lao Environment and Social Project - Additional Financing
Jan 12, 2010
Croatia: Fiscal, Social and Financial Sector Development Policy Loan
Jan 12, 2010
Argentina: Provincial Road Infrastructure Project
World Bank
The World Bank Experts guide provides journalists with the names of Bank experts who are available for comment to the media.
1. Find an Expert - Look for an expert by name, by topic of expertise, or by language spoken.
2. Contact the Media Division - Once you have identified a person you would like to interview, contact the Media Division of the World Bank, where an officer will make sure the expert, or an alternate, is available and set up the interview for you. If you want an interview on a specific region, please contact the external affairs officer responsible for that region, who are also listed in the Media Contacts.
This guide - which is updated regularly - represents only a portion of the knowledge and expertise at the World Bank, please contact the Media Division for assistance in locating an expert on a subject not specifically covered herein. We look forward to serving you.
Permanent URL for this page: http://go.worldbank.org/AWCXNZIYE0
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World Bank
“The Bill and Melinda Gates Foundation will donate $10 billion over the next decade to research vaccines and make them available to the world's poorest countries, the Microsoft co-founder and his wife said Friday. Calling on governments and businesses to contribute, the Gateses said the initiative will produce higher immunization rates and is intended to protect 90 percent of children in poorer countries against such dangerous conditions as diarrhea and pneumonia….” [The Washington Post (1/30)/Factiva]
AP adds that “…Gates said the commitment more than doubles the $4.5 billion the foundation has given to vaccine research over the years. The foundation said up to 7.6 million children under 5 could be saved through 2019 as a result of the donation. It also estimates that an additional 1.1 million kids would be saved if a malaria vaccine can be introduced by 2014. A tuberculosis vaccine would prevent even more deaths….” [Associated Press (1/29)/Factiva]
Xinhua writes that “… ‘We must make this the decade of vaccines,’ said Bill Gates at the World Economic Forum annual meeting. ‘Vaccines already save and improve millions of lives in developing countries. Innovation will make it possible to save more children than ever before.’… The couple also said that billions more are needed from other donors to achieve the goal of 90 percent coverage of childhood immunization….” [Xinhua (1/30)/Factiva]
World Bank
Xinhua adds that “…UN Ivory Coast Special Representative Choi Young-Jin met with Zoellick on Friday to discuss the latest developments in the West African country's peace process and electoral issues…. Zoellick reiterated that the World Bank would be ready, whatever the result of the election, to provide support for the establishment of a consultative group of donors for the future government….” [Xinhua (1/30)/Factiva]
AFP writes that “…the international community is upping the pressure on Ivory Coast to hold a presidential election…. The UN Security Council last week called for an election to be held by May 31, before mandates for a UN force with nearly 8,000 personnel and a French 1,800-troop deployment in the country run out…. The poll is aimed at ending a crisis that began with an attempted coup against President Laurent Gbagbo in September 2002…The election has already been delayed six times since 2005, when Gbagbo's mandate ran out….” [Agence France Presse (2/1)/Factiva]
World Events
World Economic Forum on Latin America (Cartagena, Colombia). 6-8 April 2010With the full support of the Colombian government and the Forum's key Strategic Partners, the World Economic Forum will convene 400 of the most prominent leaders from Latin America and other parts of the world on 6-8 April 2010 in Cartagena, Colombia.More info on http://www.weforum.org/en/events/WorldEconomicForumonLatinAmerica2010/index.htm
Saint Petersburg International Economic Forum (St Petersburg, Moscow). 17-19 June 2010Once again this year, the St Petersburg Economic International Forum will welcome speeches, presentations and discussion sessions with the leading Russian & Western Political elite and Captains of Industry.More info on http://www.forumspb.com/eng
If you want to add information about international economic (financial or banking) events, please, use feedback
Sber Bank
Sberbank - economic environment
In spite of the challenging economic environment in 2009, Sberbank generated robust operating income with simultaneous containment of operating costs. Operating income before provisions grew 30.2% y-o-y to RUB647.2 bn. Net interest income, which increased by 36.4% y-o-y to RUB456.8 bn, was the driver of this growth.Interest income rose 33.5% y-o-y to RUB768.4 bn, outpacing growth in interest expense.
The increase in interest income was largely due to income earned from corporate lending (+42.1% y-o-y), while contribution from interest income in the retail segment was less pronounced (+4.4% y-o-y) on the back of overall retail lending contraction.The Bank earned a meaningful interest income (1.7 times higher) on a more-than 2-fold growth of its securities’ portfolio.
Hence, the Bank diversified income sources, with income from the securities’ portfolio increasing from 5.6% to 7.2% of total.Interest expense grew 29.5% y-o-y to RUB311.6 bn, driven by funding costs in the inter-bank and retail segments. Interest paid on funds from other banks increased 3.9-fold y-o-y which was largely due to the subordinated loan worth RUB500 bn raised from the Central Bank of Russia (CBR) in late 2008.
Growth in interest paid on retail deposits (+20.6% y-o-y) resulted from both increased volumes and higher funding costs in response to the crisis. In the meantime, interest expense related to corporate funds decreased (-4.4% y-o-y).Net fee and commission income grew 10.0% y-o-y to RUB143.1 bn, which was primarily due to commissions generated on settlement transactions, lending to corporate clients, current account transactions, operations with banking cards, operations with foreign currencies and precious metals, transactions with securities, banking guarantees.
Subdued consumer demand for retail loans reduced fee and commission income on lending to individuals. Furthermore, fee and commission income declined on cash transactions with individuals. The volume of commissions charged on documentary operations with legal entities, budget accounts’ services, currency control operations, depositary and agent services remained virtually unchanged from 2008.Net trading income increased by 66.9% y-o-y to RUB42.2 bn on the back of gains on trading transactions with securities and operations with precious metals.With strict cost control in focus in 2009 the Bank reduced operating expenses by 2.8% y-o-y to RUB220.0 bn.
Cost-cutting was led by reduction of staff-related costs within optimization of organizational structure and restrained growth in general and administrative expenses. Cost to income ratio stood at 34.0% vs. 45.5% in 2008.The Bank adheres to conservative credit risk management. In 2009, the Bank allocated RUB383.9 bn in provisions, including provisions for loan impairment of RUB361.5 bn, which is 3 times the level of 2008. The Bank’s operating income was the only source for provision creation and the regulatory capital was unaffected.Provision formation reduced the Bank’s profits:
Profit before tax for 2009(without events occurring after the balance sheet date) amounted to RUB43.3 bn (vs. RUB143.5 bn and RUB136.9 bn - without and with events occurring after the balance sheet date, respectively);
Net profit for 2009 (without events occurring after the balance sheet date) totaled RUB36.2 bn (vs. RUB108.2 bn and RUB109.9 bn - without and with events occurring after the balance sheet date, respectively).The Bank's assets increased by 5.8% y-o-y to RUB7,110 bn primarily due to expansion of the corporate loan portfolio and growing investments in the securities portfolio.
However, provision accumulation constrained growth of the net loan book and consequently the Bank’s assets.Sberbank extended lending to the "real economy" – granting up to RUB4.0 trln worth of loans to Russian companies in 2009, including about RUB420 bn in December. The corporate loan book increased by 6.7% y-o-y to RUB4,249 bn (starting from 1 August 2009, Sberbank records assignment agreements with deferred payments (hereinafter referred to as "assignments") as a part of its corporate loan portfolio according to the Bank's internal accounting methodology).To encourage lending activity, the Bank has been lowering rates on loans in all currencies since 2Q 2009. However, credit demand remains weak on the back of subdued business activity which affects loan portfolio growth.Furthermore, given that Russian blue-chip companies regained access to foreign capital markets, the Bank has been facing significant loan prepayments.
In November-December 2009, loan prepayments exceeded new loan intakes, leading to the loan book reduction of about RUB100 bn.However, comparable data on the Russian banking sector for 11M 2009 suggest that Sberbank outpaced the sector in terms of corporate loan book growth ytd (6.9% vs. 1.3%). Hence, Sberbank’s share in aggregate corporate loans increased from 30.5% to 32.2%.Given sluggish consumer demand for loans on the back of falling disposable income, the Bank’s retail loan portfolio shrank by 6.9% y-o-y to RUB1,170 bn. To expand consumer credit, the Bank has been reversing the restrictions introduced in response to the crisis in the fall of 2008, including lending in foreign currencies, lowering initial payments on mortgages and car loans, extending credit limits and tenures on some loans, etc.
In December 2009, the Bank reduced interest rates in foreign currency on a number of consumer lending programs, introduced new credit products for mortgage loan restructuring and amended terms of agreement for “Trust” loans.As a result, signs of improvement emerged in the retail segment, with portfolio q-o-q contraction slowing from 3.8% and 2.9% in 1Q 2009 and 2Q 2009, respectively, to 0.3% in 3Q 2009, and to 0.03% in 4Q 2009.
December saw a 1% m-o-m growth of retail portfolio in most of the regions.The Bank plans to render consumer loans more affordable by easing credit requirements and new product offerings. With this purpose in view, the Bank has already resumed mortgage lending in foreign currency and cut rates on a number of loans for participants of payroll programs at the beginning of 2010.
Source: Sberbank
30.01.2010 Read more...