89405.docx

INTROODUCTION UNIT 1 OVERVIEW OF BUSINESS ENVIRONMENT COMMERCIAL BUSINESS BANKING The Commercial Business Banking division focuses on servicing corporate clients with a turnover in the range of INR 1 – 5 Billion. Considering the high-growth nature of such corporates, the Commercial Business Banking division operates on a ‘Lifecycle Banking’ philosophy to fulfill the banking needs of the clients across the growth cycle. With regional presence in more than 26 locations across India (and growing), Commercial Business Banking division caters to the financing needs of the clients with quick and efficient service SOUTH INDIAN BANK was among the first banks in India to recognize the unique financial requirements Multinational Companies operating in India. Towards this, we have set up an unparalleled model of banking solutions and service delivery, which can cater to MNCs across the gamut of their lifecycle in India. The Multinational Companies (MNC) Relationship Management group has been institutionalized within SOUTH INDIAN BANK to provide Knowledge Driven Banking solutions to MNCs present in India and those aspiring to enter India. Besides, we also have dedicated experts catering to the varying banking needs of “Embassies and Consulates” in India. INTERNATIONAL BANKING International Banking provides clients with solution-oriented offerings for their domestic and international banking requirements and partners with correspondent banks to service their business needs in India. The International Banking team handles relationships with over 900 Correspondent Banks. Additionally, the International Banking team also maintains relationships with multi-lateral agencies, sovereign wealth funds, development banks. 1

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International Banking is also instrumental in charting the bank’s international expansion in overseas geography.

BUSINESS SEGMENTS 

Our focused relationship managers will help suggest innovative and logical routes to meet different goals in different segments. COMMERCIAL BUSINESS BANKING

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The Commercial Business Banking division focuses on servicing corporate clients with a turnover in the range of INR 1 – 5 Billion. Considering the high-growth nature of such corporates, the Commercial Business Banking division operates on a ‘Lifecycle Banking’ philosophy to fulfill the banking needs of the clients across the growth cycle.

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With regional presence in more than 26 locations across India (and growing), Commercial Business Banking division caters to the financing needs of the clients with quick and efficient service.

MULTINATIONAL CORPORATE BANKING SOUTH INDIAN BANK was among the first banks in India to recognize the unique financial requirements Multinational Companies operating in India. Towards this, we have set up an unparalleled model of banking solutions and service delivery, which can cater to MNCs across the gamut of their lifecycle in India. The Multinational Companies (MNC) Relationship Management group has been institutionalized within SOUTH INDIAN BANK to provide Knowledge Driven Banking solutions to MNCs present in India and those aspiring to enter India. Besides, we also have dedicated experts catering to the varying banking needs of “Embassies and Consulates” in India.

The SOUTH INDIAN BANK Advantage Assistance in setting up Project/ Liaison offices in India

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Advisory services to increase their footprint in the Indian market 

In depth understanding of government machinery in central & select state govt.

Strong connect with Embassies and Consulates, PE/ VC players and Law firms to cater to all your Business needs. Our differentiated approach through Dedicated Knowledge Sectors, Indian Market Expertise, World Class Banking solutions and Service Excellence, has rendered SOUTH INDIAN BANK as the ‘Preferred Host Country Bank’ for over 1,200 MNCs in India. For more information about Multinational Corporate Banking services. INTERNATIONAL BANKING International Banking provides clients with solution-oriented offerings for their domestic and international banking requirements and partners with correspondent banks to service their business needs in India. The International Banking team handles relationships with over 900 Correspondent Banks. Additionally, the International Banking team also maintains relationships with multi-lateral agencies, sovereign wealth funds, development banks.

INDIAN FINANCIAL INSTITUTIONS The Indian Financial Institutions (IFI) team at SOUTH INDIAN BANK spearheads relationship development with various Banks and Financial Institutions nationally. This is achieved by supporting product delivery while creating and sharing industry knowledge with internal and external stakeholders. The IFI Relationship Management experts offer an array of services to the following set of clients: 

Domestic Banks (Public & Private)

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Insurance Companies

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Housing Finance Companies (HFCs) 3

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Brokers (across Capital & Commodity markets)

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Mutual Funds

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NBFCs

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Private Equity Funds

The IFI team leverages its existing relationships with various Banks and Financial Institutions to raise resources, and to get counter-party limits for the Bank. Additionally, the Bank has a dedicated team of professionals across Tier I/II cities catering to the Co-operative Banks across SCBs, UCBs, DCCBs and RRBs. SOUTH INDIAN BANK has been a pioneer in providing Cash Management and Forex solutions through a network of Product specialists and Digital Banking experts. GOVERNMENT BANKING SOUTH INDIAN BANK has institutionalized a specialized Government Banking (GB) group to cater to banking requirements of Central Government, States Governments, Central & State Public Sector Undertakings, Boards and other affiliates. SOUTH INDIAN BANK remains committed to serving this specialized segment and has adopted a Knowledge Banking approach to deliver innovative, structured and comprehensive financial solutions. Over the last 11 years, GB has established relationships with more than 700 entities across the length and breadth of the country including Maharatna, Navratna, Miniratna and other Apex Institutions.

CORPORATE BANKING The Corporate Banking team at SOUTH INDIAN BANK provides expert banking and risk management solutions to corporates with a turnover of more than INR 15 Billion through a dedicated team of over 100 Relationship Managers based out of all major metros and Tier I cities. We aim to forge long-term value-based relationships through a Core Relationship Management approach - creating multiple touch-points with clients through specialized product managers for your Investment Banking, Transaction Banking, Forex and Fixed Income requirements.

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SOUTH INDIAN BANK has also been a pioneer in creating Digital Channels for providing e-access to all your Banking needs. EMERGING CORPORATE BANKING We understand the financial needs of growth-focused, fast-paced enterprises that are emerging as leaders in their respective industry domains. With the objective of being the Bank for 'Future Industries of India', SOUTH INDIAN BANK has institutionalized Emerging Corporates Banking (ECB) team dedicated to serve this specialized segment of companies with a turnover between INR 5 Billion and INR 15 Billion. With over 125 highly skilled Relationship Managers in all top cities across India, this team is ably supported by expert Knowledge Bankers and specialized product experts to deliver customized Banking solutions to you. SOUTH INDIAN BANK recognizes the growing acceptance of Digital Channels for corporate clients to communicate with the bank & has been a pioneer in providing e-access to all your Banking needs. SOUTH INDIAN GLOBAL INSTITUTE SOUTH INDIAN Global Institute, the practicing think-tank, has been established as a division of SOUTH INDIAN BANK to focus on India’s sustainable and inclusive socioeconomic growth and development. The Institute believes that India’s economic growth must adopt a low carbon pathway, leapfrogging to a scenario of unique and resource-innovative technology manufacturing, sustainable agriculture and services. We firmly believe that India’s glorious past and rich culture that is anchored in arts, crafts, frugal innovation and diversity must be leveraged to define the country’s growth trajectory along a knowledge driven pathway. The core focus areas of the SOUTH INDIAN Global Institute are: 

SOUTH INDIAN Culture

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Social Impact

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Design Innovation, Creativity led Entrepreneurship (D.I.C.E)

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Sustainable Investment Banking

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Micro, Small and Medium Enterprises 5

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Food & Agribusiness Strategic Advisory & Research (FASAR)

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Inclusive and Social Banking (ISB)

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Strategic Government Advisory

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Renewable Energy

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Climate Strategy & Responsible Banking

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Business Economics Banking

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University & School Relationship Management

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Smart Cities Advisory

SOUTH INDIAN Culture SOUTH INDIAN Culture, a dedicated knowledge vertical under SOUTH INDIAN Global Institute, focuses on the promotion, development and conservation of India’s culture by driving heritage financing, advocating research and organizing awareness programs amongst other initiatives. Social Impact The Social Impact at SOUTH INDIAN Global Institute undertakes extensive thought advocacy (empirical research papers, knowledge reports and opinion articles) and outreach to generate momentum for policy reforms. It also works towards bringing in key insights from the socio-economic scenario of developed countries and to localize appropriate solutions for the India context.

Design Innovation, Creativity led Entrepreneurship (D.I.C.E) Design, Innovation and Creativity-led Entrepreneurship (D.I.C.E.) focuses on understanding simple yet disruptive innovations which can address critical issues such as lack of infrastructure, discontinuities & inefficiencies in market and develop alternate and implementable measures. Sustainable Investment Banking Sustainable Investment Banking (SIB) provides investment and advisory services to organizations operating in the sustainability space, focusing on Renewable Energy, Clean Technology, Environmental Services and Social & Financial Inclusion. 6

Micro, Small and Medium Enterprises MSME at SOUTH INDIAN Global Institute develops knowledge driven solutions to tackle sector specific challenges such as lack of adequate credit, non-availability of technology, low production capacity, inadequate marketing strategy, bottlenecks and labor costs. Food & Agribusiness Strategic Advisory & Research (FASAR) The Food & Agribusiness Strategic Advisory & Research (FASAR) executes strategic projects and policy advocacy for State & Central Government Embassies, Corporate, Small & Medium Enterprises, and Multinationals as well as Multilateral Agencies. Inclusive and Social Banking Inclusive and Social Banking (ISB) engages with key stakeholders including financial institutions to promote financial literacy among India’s unbanked population. Strategic Government Advisory Strategic Government Advisory (SGA) offers thought leadership, advisory and advocacy services to assist Centre & State Governments, local authorities and allied agencies in achieving their developmental agenda, with special focus on Urban Infrastructure, Industries & MSME, Education & Skill Development, Innovation & Startups, Healthcare & AYUSH and Tourism. Renewable Energy Renewable Energy team plays a catalytic role in unlocking innovative financial mechanisms for Renewable Energy and large solar projects. Climate Strategy & Responsible Banking Climate Strategy and Responsible Banking at SOUTH INDIAN Global Institute cuts across all functions of the Institute to steer its sustainable development agenda through innovative pathways of social & development impact, climate action and transparency & disclosures. Business Economics Banking

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Business Economic Banking is the research and knowledge driven team which provides authoritative, cutting edge macro markets outlook and sectoral research content, both for external and internal consumption. University & School Relationship Management University & School Relationship Management (USRM) provides an on-going engagement and knowledge sharing platform through several outreach initiatives with select B-Schools, Engineering Colleges and Agricultural Institutes across the country.

Smart City Advisory Group Smart City Advisory (SCA) focuses on accelerating smart urban transformation with an ambition to achieve inclusive development at the grassroots, by facilitating dialogue on selfsustaining urban ecosystem, innovation nodes and green design to enhance urban living in India.

UNIT 2 ECONOMICAL ENVIRONMENT Establishing a framework to recognize, evaluate, monitor and manage the environmental and social facets in day-to-day decision-making process has assumed critical importance for banks. It is imperative for banks to consider the triple-bottom-line approach in making credit decisions.

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In line with its Responsible Banking strategy and practices, SOUTH INDIAN BANK takes a precautionary approach to environmental and social impacts of its lending activities. SOUTH INDIAN BANK, since 2006, has implemented an Environment and Social Policy which is a structured approach towards responsible lending. Through this policy, the Bank integrates environmental and social risks into its overall credit risk assessment framework. The Bank has voluntarily adopted the policy which is based on international frameworks such as the Equator Principles and IFC guidelines. The Environment and Social Policy is a crucial part of the Bank’s credit risk appraisal process, which goes beyond the realm of financial risk mitigation. CAREER OPPORTUNITIES At SOUTH INDIAN BANK, we foster a leadership mindset that embraces meritocracy as a vital force to reward performance and exceptional competency. Executives are offered fast track career progression opportunities through cross functional time bound strategic assignments, job rotations and need based cross business transfers, developing their functional, managerial and leadership capabilities. We strongly drive and internalize the institutional character of the Professionals’ Bank of India, and demonstrate our key organizational values of Integrity, Pride, Credibility, Respect, Ownership, Professionalism, Innovation, Agility & Speed. Employee Base NPCC has around 300 Officers and Non-Executives on its roll which includes 200 Engineers from various disciplines to look after all kinds of projects. As at 30th June 2017, the Company has an employee base of 841 people with the following segmentation: Type

Number

Officers

300

Staff

140

Workmen

401

Total

841

Quality: NPCC ensures following to ensure quality work: 9

 NPCC follows all required specifications like IS/BIS / CPWD norms while executing works for proper quality work.  Project managers shall be responsible for overall management of quality and procedures for the works under his charge.  NPCC periodically review and monitor the quality assurance systems.  NPCC establishes complete field testing laboratory for routine field tests.  NPCC gets the special tests done from designated laboratories like IITs, NITs and Govt. Institutions from time to time.  In addition, NPCC inspects major items (doors, windows, electrical equipments, transformers etc.) purchased to use for works at factory premises before they are dispatched at site COMPANY PROFILE SOUTH INDIAN BANK, India’s fourth largest private sector Bank, is an outcome of the professional entrepreneurship of its Founder Rana Kapoor and his highly competent top management team, to establish a high quality, customer centric, service driven, bank catering to the “Sunrise Sector of India”. SOUTH INDIAN BANK is the only Greenfield Bank license awarded by the RBI in the last two decades, associated with the finest pedigree investors. SOUTH INDIAN BANK, a "Full Service Commercial Bank”, has steadily built a Corporate, Retail & SME Banking franchise, with a comprehensive product suite of Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the country.

South indian bank Limited-Strategy, SWOT and Corporate Finance Report South indian bank Limited-Strategy, SWOT and Corporate Finance Report, is a source of comprehensive company data and information. The report covers the company’s structure, operation, SWOT analysis, product and service offerings and corporate actions, providing a 360? View of the company. Key Findings Detailed information on South indian bank Limited required for business and competitor intelligence needs.

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A study of the major internal and external factors affecting South indian bank Limited in the form of a SWOT analysis An in-depth view of the business model of South indian bank Limited including a breakdown and examination of key business segments Intelligence on South indian bank Limited’s mergers and acquisitions (MandA), strategic partnerships and alliances, capital raising, private equity transactions, and financial and legal advisors News about South indian bank Limited, such as business expansion, restructuring, and contract wins Large number of easy-to-grasp charts and graphs that present important data and key trends Reasons to Buy Gain understanding of South indian bank Limited and the factors that influence its strategies. Track strategic initiatives of the company and latest corporate news and actions. Assess South indian bank Limited as a prospective partner, vendor or supplier. Support sales activities by understanding your customers’ businesses better. Stay up to date on South indian bank Limited’s business structure, strategy and prospects. Key Highlights South indian bank Limited (South indian bank) is a banking and financial services provider, based in India. It offers savings accounts, current accounts, smart salary accounts, fixed deposits, debit cards, credit cards, home loans, commercial vehicle loans, educational loans, personal loans, gold loans, loan against property, loan against securities and construction equipment loans. The bank also offers life insurance, general insurance, corporate banking services, investment banking services, treasury services and financial inclusion services. Furthermore, it offers wealth management solutions, trade finance solutions, cash management solutions, liquidity management solutions, inventory finance, trade financing, risk management services and third party product distribution services. The bank operates through a network of branches and ATMs across India. South indian bank is headquartered in Mumbai, India.

SWOT analysis

Strengths

Weakness

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

Eight

decades

of

experience

with



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concern due to high competition from

Pan India presence with 3 zonal offices

the private sector 

Expertise in executing construction work

Projects in which mobilization advance is not paid require initial financing

in refineries, power plants, industrial

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Delay in payment by clients.

complex, buildings, etc.

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Project time over-run at times due to

Experience in executing projects in

inadequate inputs such as work fronts,

remote areas of the North-East and

drawings and material from clients in

Jharkhand.

time without being compensated.

Orders in Hand of Rs. 6607.31 core at the end of FY18.

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Attracting and retaining talent is a

established client base

and 100+ Project Sites 



The

Company



Contract management – clients’ push for terms

has

technical

and

conditions

which

are

and

favourable to them resulting in delayed

professional expertise and capability to

settlement / denial of genuine extra

execute work through its own labour

claims.

contractors.

Unit-3

GLOBAL ENVIRONMENT 12

SOUTH INDIAN COMMUNITY SOUTH INDIAN COMMUNITY is SOUTH INDIAN BANK’s unique community engagement program which serves as a knowledge exchange and awareness platform for communities around its branches on the socially and environmentally pertinent issues of the day. Acting as a community transformation center, each Bank branch works towards building strong relations with communities, thus taking the Bank’s relationship beyond transactional. Through the SOUTH INDIAN COMMUNITY program, the Bank forges meaningful partnerships with community groups, non-profit organizations, governments and civil society. Over the years, SOUTH INDIAN COMMUNITYhas witnessed significant growth in scale and impact. The initiative, through which each of SOUTH INDIAN BANK’s branches endeavors to be a community transformation center, serving as knowledge exchange platform connecting all stakeholders in its Branch Serving Area (BSA) on socially & environmentally pertinent issues SOUTH INDIAN COMMUNITY has built strong relations for the Bank with communities across India. In 4 years, 4.5 million+ lives benefitted

Through this program, the Bank forges meaningful partnerships with its broad stakeholder spectrum, including community groups, non-profit organizations, governments, corporate peers, and civil society.

SOUTH INDIAN BANK HAS LAUNCHED SOUTH INDIAN INCONTROL, A UNIQUE TECHNOLOGY TO CONTROL DEBIT CARD USAGE 13

First bank in India to launch the Innovative technology, in partnership with MasterCard, to reduce frauds on card transactions Mumbai, 28th January, 2016: SOUTH INDIAN BANK, India’s fifth largest private sector bank, is launching SOUTH INDIAN InControlin association with MasterCard.SOUTH INDIAN InControl will allow SOUTH INDIAN BANK customers to fully control their SOUTH INDIAN BANK Debit card usage in a manner that has not been experienced before in India. Using SOUTH INDIAN InControl customers can now customize usage parameters and limits for their SOUTH INDIAN BANK Debit Cards for better safety and efficiency. SOUTH INDIAN InControl enables this by allowing the customers to suitably configure the parameters such as daily/ weekly budgeting, merchant category, location and time of the day. These parameters can be easily and conveniently set by the customer themselves through SOUTH INDIAN BANK NetBanking on a real-time basis, thereby having an enhanced security, better control and accurate management of finances. By imposing a limit on the debit card, customers will be able to ensure an additional layer of security on their card supplementing the existing state-of-the-art security offered by the SOUTH INDIAN BANK platform. SOUTH INDIAN InControl also allows the customers to manage and modify limits on addon cards linked to the SOUTH INDIAN BANK debit card thereby helping them be in-charge of the family’s budget and finances. The facility will also empower customers to build a spending and savings discipline, gradually over a period of time. Speaking about the launch Mr. Pralay Mondal, Senior Group President, Retail and Business Banking, SOUTH INDIAN BANK,said, “SOUTH INDIAN BANK is delighted to be the first bank in India to launch SOUTH INDIAN InControl, in partnership with MasterCard. The customers today want to customise and manage all parameters on their card spends themselves, based on their requirements. We truly believe this will be yet another innovative first for our customers.” Mr. Porush Singh, Country Corporate Officer, India and Division President, South Asia, MasterCardsaid, “India is rapidly moving towards digitisation and hence there is a need for innovative solutions & products that build consumer confidence and drive greater electronic payments. At MasterCard, our endeavour is to work with our issuing banks to introduce global best practices that will help cardholders transact more safely and securely in a digital environment. We are delighted to partner with SOUTH INDIAN BANK to introduce SOUTH INDIAN InControl, that is a best in class fraud & safety product that enables cardholders to manage and control their finances and secure their transactions.” 14

With this launch, SOUTH INDIAN BANK reinforces its leadership position in using Innovation and Technology to provide enhanced and superior Banking experience to its customers. In future, SOUTH INDIAN InControl will also be made available through Mobile Banking to make it more consumers friendly and accessible. INTELLECTUAL PROPERTY RIGHTS (IPRS) Intellectual property rights refer to the general term for the assignment of property rights through patents, copyrights and trademarks. These property rights allow the holder to exercise

a

monopoly

on

the

use

of

the

item

for

a

specified

period.

By restricting imitation and duplication, monopoly power is conferred, but the social costs of monopoly power may be offset by the social benefits of higher levels of creative activity encouraged by the monopoly earnings.

Investor Relations at SOUTH INDIAN BANK SOUTH INDIAN BANK, India's fourth largest private sector Bank, is an outcome of the professional entrepreneurship of its Promoter and Founder, Mr. Rana Kapoor and his highly competent top management team, to establish a high quality, customer centric, service driven, private Indian Bank catering to the "Future Businesses of India". As the Professionals' Bank of India, SOUTH INDIAN BANK has exemplified 'creating and sharing value' for all its stakeholders, and has created a differentiated Banking Paradigm with the vision of 'Building the Best Quality Bank of the World in India' by 2020. This document lays out the “Terms and Conditions”, which shall be applicable to all transactions initiated by the Customer vide the Unified Payment Interface, as defined herein below, through South indian bank Limited, for the purpose of transfer of funds. Before usage of the “Unified Payment Interface”, all Customer(s) are advised to carefully read and understand these Terms and Conditions. Usage of the Unified Payment Interface by the Customer(s) shall be construed as deemed acceptance of these Terms and Conditions, mentioned herein below DEFINITIONS: 1.1 “Authentication Credentials” shall mean password, biometrics, PIN etc., as provided by South indian bank or 3rd party provider like UIDAI, from time to time, which shall be required by the Customer for completion of the transfer of funds through UPI;

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1.2 “UPI Services” shall mean Unified Payment Interface, a multi-platform operable payment network solution which is being provided by NPCI for the purpose of interbank fund transfer of funds i.e., pay someone (push) or collect from someone (pull) pursuant to the rules, regulations and guidelines issued by NPCI, Reserve Bank of India and the Bank, from time to time; 1.3 “South indian bank” shall mean South indian bank Limited, a company within the meaning of the Companies Act, 1956 and a banking company within the meaning of Section 5(c) of the Banking Regulation Act, 1949 having its registered office at 9th floor, Discovery of India Building, Nehru Centre, Dr. Annie Besant Road, Worli, Mumbai – 400018; 1.4 “NPCI” shall mean National Payments Corporation of India, a company incorporated in India under Section 25 of the Companies Act, 1956 and having its registered office at 1001A, B wing 10th Floor, The Capital, Plot 70, Block G, Bandra- Kurla Complex, Bandra (East), Mumbai - 400 051, and acting as the settlement, clearing house, regulating agency for UPI services with the core objective of consolidating and integrating the multiple payment systems with varying service levels into nation-wide uniform and standard business process for all retail payment systems; 1.5 “ECS” shall mean an electronic mode of payment / receipt for transactions that are repetitive and periodic in nature and predominantly used by institutions for making bulk payment of amounts towards distribution of dividend, interest, salary, pension, etc., or for bulk collection of amounts towards utility payment, cess and tax collections, loan installment repayments, periodic investments in mutual funds, insurance premium etc. “UIDAI” shall mean the Unique Identification Authority of India, is a government agency based in New Delhi that serves as the issuing authority for Aadhaar unique identification numbers (UIDs) and cards; 1.7 "Beneficiary Bank" shall mean the Bank holding a bank account of the Receiver where the credit of the UPI instruction is received from the Payer to be executed either in real time basis or periodically with a settlement process. 1.8 "Remitter Bank" shall mean a bank holding a bank account of the Payer where the Debit of the UPI instruction is received from the Payer to be executed on real time basis. 1.9 “Merchant” shall mean a merchant established under the prevalent law and has an agreement with Master Merchant to accept payment through UPI Services towards the sale of products or services to its customers.

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1.10 “Authorization/Authorized Transactions” means the process by which South indian bank approves a Transaction as stipulated by competent authorities/ 3rd parties, from time to time. 1.11 “Chargeback” shall mean approved and settled UPI transactions which are at any time refused, debited or charged back to Master Merchant’s account by the Issuer, Acquiring Bank or NPCI for any reason whatsoever, together with South indian bank fees, penalties and other charges incidental thereto. 1.12 “Payer” shall mean any person holding a banking account and who desires to pay money to the Receiver for purchase of goods or services online using the UPI Services, being offered by the Master Merchant or the Merchant on its website or mobile application thereto. 1.13 “Receiver" shall mean any person or the Merchant holding a banking account, who are desirous to receive payments from the Payer over the internet using the UPI Services. In case the Payer is customer of the Merchant and is paying money to the Merchant for purchase or utilization of goods and services from the Merchant, the Merchant shall be the Receiver. 1.14 “Customers” shall be used to collectively refer to Payer(s) and Receiver(s) using UPI services on Master Merchant Platform for initiating and executing UPI transactions. 1.15 “Amount" shall mean the payment amount in question which is required to be transferred from the Payer to the Receiver via the Master Merchant or Merchant as a part of the UPI Transaction. 1.16 “Merchant Account” shall mean South indian bank account of the Merchant maintained with South indian bank for collecting Fees, charges and other levies. In case the Merchant intends to use this Merchant Account to settle UPI transactions, for which the Merchant is the Receiver, then the Merchant Account shall also be used for settlement of transactions using UPI Services. 1.17 “Master Merchant Account” shall mean South indian bank account of the Master Merchant maintained with South indian bank for collecting Fees, charges and other levies. In case the Master Merchant intends to use this Master Merchant Account to settle UPI transactions, for which the Master Merchant is the Receiver, then the Master Merchant Account shall also be used for settlement of transactions using UPI Services. 1.18 “Service Providers" means banks, financial institutions and software providers who are in the business of providing information technology services, including but not limited to, internet based electronic commerce, internet payment gateway and electronic software distribution services and who have an arrangement with South indian bank or with NPCI to enable use of UPI Software developed by them to route UPI Transactions.

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1.19 ”Commission” means the commission, fees, charges or levies payable to South indian bank, for facilitating a Transaction. 1.20 “Payment Service Provider” or “PSP” shall mean entities which are allowed to issue virtual addresses to the customers and provide payment (credit/debit) services to individuals or entities and regulated by the Reserve Bank of India, in accordance with the Payments and Settlement Systems Act, 2007. 1.21 “Premises” shall mean the place of business of the Master Merchant or Merchant 1.22 “Transaction” shall mean every payment instruction that results in a debit to the Payer’s Account and a corresponding credit to the Receiver’s Account. 1.23 “Virtual Address” means a unique Payment Identifier issued by a PSP to a Payer or a Receiver that, among other things, can be used to identify, debit or credit a bank account. 1.24 “Master Merchant Platform” shall mean the website/mobile with the domain name or Application name and which is established by the Master Merchant Platform for the purposes of enabling Payers and Receivers to carry out Transactions. It shall also include the platform provided by Master Merchant to the Merchant consisting of UPI services provided by South indian bank for the purpose of enabling UPI transactions.

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UNIT-4 ECONOMIC SYSTEM AND POLICIES OF INDIA South indian bank Limited (“South indian bank”) has been retained as the advisor by the Government of India (“GoI”) for advising and managing the proposed strategic disinvestment of Bridge & Roof Company (India) Limited (hereinafter referred to as “B&R” or “Company”), pursuant to an engagement letter signed between Department of Investment and Public Asset Management (“DIPAM”) and South indian bank on 9th June 2017 (aforesaid proposed strategic disinvestment hereinafter referred to as the “Transaction”). This Preliminary Information Memorandum (hereinafter referred to as the “PIM”) has been prepared by South indian bank for the limited purposes of providing certain information on B&R for enabling the recipients to be appraised of such certain basic details of B&R prior to submission of the Expression of Interest (“EoI”) in respect of the Transaction. Unless otherwise specified, the information contained herein is as on 30th September 2018, and may be subject to material updates, revisions or amendment. Neither GoI, the Company nor South indian bank, undertake to update this PIM. South indian bank has not independently verified any of the information and data contained herein. Neither the GoI, the Company nor South indian bank (nor any of their respective affiliates, subsidiaries, advisors and agents), (i) make any representations or warranties, express or implied, as to the accuracy, or completeness of such information and data, (ii) take any responsibility for, or will accept any liability whether direct or indirect, express or implied, contractual, tortuous, statutory or otherwise, in respect of, the accuracy, completeness, authenticity, correctness and fairness of the information or for any of the opinions contained in the PIM or for any errors or omissions or for any loss/damage be it tangible or intangible, howsoever arising, from the use of this PIM and (iii) take any responsibility or accept any liability for any other written or oral communications transmitted to the recipient by or on behalf of Company or South indian bank or GoI or any of their advisors in the course of your evaluation of any transaction involving the Company. Any liability or responsibility of GoI, the Company and South indian bank and their respective advisors is, therefore, expressly disclaimed. You should conduct your own investigation and analysis of the Company in connection with the Transaction. The GoI reserves the right to change the procedures for pursuing the Transaction. The issue of this 19

PIM does not imply that the GoI, Company or South indian bank are bound to select an interested bidder (“Interested Bidder” or “IB”) (either as a sole bidder or as a consortium) for the Transaction and the GoI and South indian bank reserve the right to reject all or any of the Interested Bidders or their EoIs without communicating any reasons whatsoever. The PIM may include certain estimates, projections, statements, targets and forecasts with respect to the Company/industry in which the Company operates and these are based on the various assumptions made by the management, officers or employees of the Company and/or South indian bank. Actual results may differ materially from these forward-looking statements due to various factors. You should note that past performance of the Company is not a guide for future performance of the Company. The summary financial information has been obtained from the audited annual financial statements and may differ from the actual numbers to the extent of approximations or use of rounded numbers. Unless stated otherwise the industry data has not been independently verified by South indian bank, the Company, the GoI or any of their affiliates or advisors. The data used in these sources may have been reclassified by us for the purposes of presentation. The GoI, the Company, South indian bank and their respective advisors undertake no obligation to provide the recipient with access to any additional information or to update this PIM with additional information or correct any inaccuracies herein, which may become apparent. Each potential investor must seek its own advice from professionals for any matters pertaining to or relating to the Company or the Transaction or for evaluating the Transaction including with regard to legal, financial and taxation issues. This PIM has been prepared for information purposes only, without any regard to specific objectives, suitability, financial situations and needs of any particular person and does not constitute any recommendation and is not intended to be the basis for participating in the Transaction, and should not be construed as an offer or invitation for sale or the solicitation of an offer to buy, purchase or subscribe to any securities, if any, mentioned therein. The materials and information contained herein is made available upon the express understanding that you will use it only for the purpose set forth above. This PIM has been prepared by South indian bank upon information available from public sources and from the Company, believed to be reliable to assist the recipients in making their own evaluation of B&R and does not purport to be allinclusive or to contain all of the information that may be material to the recipients’ decision to enter into the Transaction. Bridge & Roof Co. (India) Ltd Preliminary Information Memorandum October 2018 Page 2 of 65 The distributing/taking/sending/dispatching/transmitting of this document in certain jurisdictions other than the Republic of India may be restricted or prohibited by law of such jurisdiction 20

and persons into whose possession this document comes should inform themselves about, and observe, any such restrictions. Publication of this PIM by any entity other than South indian bank or the GoI is strictly prohibited. The recipient shall be solely liable and responsible for any dissemination, distribution, transmission or reproduction of this PIM. Any failure to comply with these restrictions may constitute a violation of the laws of any such other jurisdictions for which the recipient shall be solely liable and responsible. It is recommended that this PIM shall not be disseminated, distributed, transmitted or reproduced. The logos and trademarks used in this presentation are owned by the respective owners and are used for representation purpose only without any explicit permission of the owners. This PIM is divided into chapters & sub-sections only for the purpose of reading convenience. Any partial reading of this PIM may lead to inferences, which may be at divergence with the conclusions based on the entirety of this PIM. Further, by accessing or reviewing a copy of this PIM, the recipient accepts the terms of this Notice, which forms an integral part of this PIM. All acts, deeds and things done or caused or intended to be done, by GoI, the Company and South indian bank hereunder are based on and in reliance of your acceptance of the terms and conditions of this Disclaimer.

Inception and history National Projects Construction Corporation Limited (NPCC) was established in the year 1957 as a construction company to create necessary infrastructure for economic development of the country. It was established to provide the necessary manpower and know-how for the construction of national projects and also act as a price deterrent for the private sector. In its 60 years of existence, the Corporation has successfully associated itself with completion of several national projects from conception to commissioning stage. Some of them are in remote, inaccessible & disturbed locations of the country. Besides completion of projects in India and contributing to the socio-economic growth of the country, NPCC has also successfully executed several overseas projects. These projects are representative to NPCC’s capabilities and are living monuments of the engineering skills, quality and workmanship of NPCC. NPCC is an ISO 9001-2008 certified organization with its registered office in New Delhi, corporate office in Gurugram and various zonal offices in capital of different states. Objectives  To ensure customer satisfaction through:

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 Execution of projects within schedule time & cost  Adhering specifications & conditions of contracts  Customer feedback & ensuring improvement  Achieving turnover target as per MOU  Securing business to maintain value of work order at around three times of turnover  Realizing old dues maximally and quickly for improving financial position of NPCC  Continuous improvement of knowledge and skills  Continuous organizational re-structuring and diversification with focus on business, profitability and customer’s satisfaction  Maintaining & improving ISO 9001 – 2008 based quality management systems in all areas of activity Capital structure The authorised share capital of NPCC is Rs 700 crores. The issued and fully paid up share capital consists of 945,316 equity shares of Rs 1000/- each amounting to Rs 94.53 crores as at June 30, 2017. The current shareholding pattern of NPCC.

INVESTMENT BANKING SOLUTIONS Investment Banking has been an integral part of SOUTH INDIAN BANK since inception and is now a part of SOUTH INDIAN Securities. Excellent track record, credibility with Financial Investors, outstanding relationships with legal and tax firms help us to provide value-added transaction benefits to our clients Cross Border Relationships: We have strategic alliances with boutique investment firms based in Asia, Europe and the U.S. These relationships are driven either by sectorial expertise or the strong geographic presence that these firms may have built over time Leveraging on strong relationships with Indian corporates through the Bank’s wholesale segment, the Investment Banking team has completed over 150 transactions since inception.

MINISTRY OF COMMERCE & INDUSTRY (MOC&I) AND SOUTH INDIAN BANK RELEASE PAPER - ‘OPPORTUNITIES FOR FOOD IMPORTS FROM INDIA’ MoC&I-SOUTH INDIAN BANK-TPCI released report titled ‘Opportunities for Food Imports from India’ at Indus Food 2018 Shri Suresh Prabhu (Union Minister of Commerce & Industry) unveiled the report in the presence of Shri Devendra Kumar Singh (Chairman, APEDA), Shri Pawan Kumar Agarwal 22

(CEO, FSSAI), Shri Santosh Kumar Sarangi (Joint Secretary, Ministry of Commerce & Industry) New Delhi, 22 January, 2018: SOUTH INDIAN BANK (India’s fifth largest private sector bank) together with Ministry of Commerce & Industry (MoC&I) & Trade Promotion Council of India (TPCI) released a publication titled ‘Opportunities for Food Imports from India’ at Indus Food 2018: Global Food & Beverage Show, held at India Expo Mart, Greater Noida. The knowledge report provides an extensive overview of import and investment opportunities in India’s vibrant food sector. The report identifies India as a major exporter of commodities and has huge opportunities in export of organic, fruits & vegetables, processed food and Indian ethnic food. . The Summit was organized by TPCI and supported by Department of Commerce, GoI and Indus Food (a buyer-seller meeting forum, which brought together key domestic as well as International stakeholders from the F&B industry). Speaking on the occasion Mr. Rana Kapoor, MD & CEO, SOUTH INDIAN BANK and Chairman, SOUTH INDIAN Global Institute said, “Given India’s rich resource base, location advantage and supportive policy reforms towards ease of doing business, India should aim at doubling farm exports to USD 60 Bn in the next 5 years. To create a strong presence on the global trade canvas, it is critical to put in place reforms at farm, infrastructure and trade level. I firmly believe that the Government’s recent initiatives in developing R&D facilities, farmer extension and FPO formation, better market access, setting quality standards, developing processing infrastructure and improving agri-marketing infrastructure, are positive moves. Moving beyond the commodity-ingredient-products continuum, better collaboration between Ministry of Commerce and State Agriculture Departments for key commodities, provision for refrigerated vans linked to superfast trains especially for poorly connected areas and a dedicated green channel in key sea ports, amongst others, will further boost India’s potential as a food exporter.” Speaking on the occasion Shri Suresh Prabhu, Hon’ble Commerce & Industry Minister, said, “Agri-product export strategy will change the export scenario in the country. Not only will it double the farmers' income, but also give them a choice of so many buyers to sell their produce. I’m sure it will benefit all farmers, whether big or small. Indus Food is a very good step in that direction. We are working on a marketing strategy to diversify the export basket and we will offer it to the industry. The Government is committed to increase the ease of

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doing business and make India a leading destination for various products and services in the world. About SOUTH INDIAN BANK ‘Food and Agribusiness Strategic Advisory and Research’ (FASAR) SOUTH INDIAN BANK has domiciled ‘Food and Agribusiness Strategic Advisory and Research’ (FASAR) Group to actualize its knowledge based focus and commitment for the holistic development of the food & agribusiness sector. The group provides a unique synergy between lending & domain knowledge expertise to position SOUTH INDIAN BANK as a preferred financial institution among all stakeholders in F&A ecosystem. FASAR has been working closely with key ministries like, Food Processing, Agriculture, Commerce & Industry, and various State Governments and Multilaterals on several policy initiatives and strategic advisory mandates; the group is also advising the industry, both international & domestic, on market entry, expansion & diversification; market research & feasibility study; infrastructure, supply chain & logistics advisory; JV formulation and equity infusion, project advisory amongst others. As part of its commitment to support entrepreneurship, FASAR has been fostering, mentoring start-ups and supporting innovation & technology in the food & agri ecosystem. Some key flagship food & agri initiatives where SOUTH INDIAN BANK has associated are, Agri Udaan 2.0 (Food & Agri accelerator of ICAR-NAARM & DST). World Food India 2017 (by Ministry of Food Processing Industry), SOUTH INDIAN BANK-NASSCOM #FutureAgriTech Summit, Indus Food amongst others.

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UNIT 5 ECONOMIC REFORMS AND BUSINESS The private sector banks in India are banks where the majority of the shares or equity is not held by the government but by private shareholders. In 1969 all major banks were nationalised by the Indian government. However, since a change in government policy in the 1990s, old and new private sector banks have re-emerged. The private sector banks are split into two groups by financial regulators in India, old and new. The old private sector banks existed prior to nationalisation in 1968 and kept their independence because they were either too small or specialist to be included in nationalisation. The new private sector banks are those that have gained their banking license since the change of policy in the 1990s.

South indian bank Limited is India's fourth largest private sector bank, founded by Rana Kapoor and Ashok Kapur in 2004. It primarily operates as a corporate bank, with retail banking and asset management as subsidiary functions. South indian bank limited derives most of its revenues through arranging syndicated loans and through corporate banking. It operates as three entities - South indian bank, South indian Capital and South indian asset management services. As per the banks website and information published, these are bifurcated as; Corporate and Institutional Banking Commercial Banking Investment Banking Corporate Finance Financial Marketing Retail Banking As of September 2018, South indian bank had taken syndicated loans from eight large international

entities

including ADB, OPIC, European

investment

bank,

banks

in Taiwan and Japan for amounts ranging from US$ 30 Millon to US$ 410 Millon, which it in turn lends to small and medium scale enterprises as well as large corporates. It has also both 25

taken as well as given short term loans to a number of retail and corporate banks in Taiwan, Japan, USA and Europe. It has a strategic partnership with the US government based OPIC and with Wells Fargo.

SOUTH INDIAN BANK is a part of Public-Private-Partnership Public-Private Partnership For Make In India The South indian bank CFO Forum to be held on May 6th promises a stimulating and power packed discourse on Make in India. Make in India is no longer a slogan. India is already the fastest growing major economy in the world, far outstripping the performance of its BRICS counterparts. In 2015, it successfully dislodged China as the number one FDI destination in the global economy. Investors, both domestic and global, are in the final stages of committing serious investments in the manufacturing sector. For Make in India to be a success, the share of the manufacturing sector in the GDP of India has to grow from a little more than 15 per cent currently to about 25 per cent. This is also crucial to provide jobs to the 10 million Indians who will enter the workforce this year. It is but natural that the financial community too would play a vital role in the mission. Equally important, a genuine partnership between the public and private sector

is

need

even

at

the

ground

level.

SOUTH INDIAN BANK in association with BW Business world is hosting the New Delhi Chapter of the SOUTH INDIAN BANK National CFO Forum, on Friday, May 6, 2016. The SOUTH INDIAN BANK National CFO Forum is a unique knowledge initiative conceived exclusively for CFOs in India with the objective to recognize and appreciate the indispensable role of a CFO in an organization. This chapter will be a special edition focused on Public Sector Enterprises recognizing the critical role essayed by them in moving the wheels of the Indian economy and ensuring the success of the ‘Make in India’ initiative. Suresh Prabhu, Railways Minister, will be the chief guest at the event. The present CEO of Niti Ayog Amitabh Kant be the guest of honor. Both are closely associated with the in going success of Make in India. Kant has been closely associated with the Make in India campaign ever since it was launched in 2014. Goyal has proven to be one of the most dynamic and high performance

ministers

in

the

cabinet

of

Prime

Minister

Narendra

Modi.

The Forum has been conceptualized in the form of Chapters across India, and was formally launched in Mumbai in 2011. Since then South indian bank has successfully hosted chapters 26

of the Forum across major cities like Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata and Pune. Encouraged by the positive response received, South indian bank now looks forward to connecting closely with the financial leaders in the public sector as well.

Presently, the Forum has over 600 members from the CFO community across the country.

FDI Inwards Mauritius was the largest source of foreign investment in India, followed by the US and the UK, according to a census by the Reserve Bank. Singapore and Japan were the next two sources of foreign direct investment (FDI), said the Census on Foreign Liabilities and Assets of Indian Direct Investment Companies 2016-17, released by RBI on Friday. Of the 18,667 companies that participated in the census, 17,020 had FDI/overseas direct investment in their balance sheets in March 2017, it said. “96 per cent of the responding companies were unlisted in March 2017 and most of them had received only inward FDI; unlisted companies had higher share of FDI equity capital vis-àvis listed companies,” it said. Further, over 80 per cent of the 15,169 companies that reported inward FDI were subsidiaries of foreign companies (single foreign investor holding over 50 per cent of the total equity). “Mauritius was the largest source of FDI in India (21.8 per cent share at market value) followed by the USA, the UK, Singapore and Japan whereas Singapore (19.7 per cent) was the major ODI destination, followed by the Netherlands, Mauritius, and the USA,” the census said. The census yields comprehensive information on the market value of foreign liabilities and assets of Indian companies arising on account of FDI, ODI and other investments. “It is important to note that changes in outstanding asset/liabilities would be different from flows recorded in the balance of payments (BoP) during a year, as the former would also include valuation changes due to price and exchange rate movements,” the central bank said. High equity participation

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The census data further said non-financial FDI companies had a much higher share in total foreign equity participation vis-à-vis financial FDI firms. “The ratio of market values of inward to outward direct investment, increased to 4.3 in March 2017 from 3.6 a year ago; equity participation accounted for 94 per cent and 79 per cent shares in inward and outward FDI, respectively,” it said. The manufacturing sector accounted for nearly half of the total FDI at market prices; information and communication services and financial and insurance activities were the other major sectors that attracted FDI. Total sales, including exports, of foreign subsidiaries in India increased by 18.7 per cent during 2016-17 whereas their purchases, including imports, increased by 20.1 per cent.

South indian bank gets nod for raising FDI limit to 74% The Cabinet Committee on Economic Affairs approved South indian bank’s request for an increase in the foreign investment limit to 74 per cent from the existing limit of 41.87 per cent without any sub-limits. “This will result in a foreign direct investment of $1 billion (approximately Rs.6,885 crore) in the country,” says a statement by the government. — Special Correspondent.

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CONCLUSION South indian bank is India's fourth largest private sector bank, founded by Rana Kapoor and Ashok Kapur in 2004. It primarily operates as a corporate bank, with retail banking and asset management as subsidiary functions like high quality, customer centric, service driven, private Indian Bank catering to the Future Businesses of India. SOUTH INDIAN BANK was the first Bank in India to successfully implement innovation in Supply Chain finance using Block chain and API (Application Programming Interface) Banking. As the Bank continues its digital journey in pursuit of enhanced customer satisfaction and efficiency, the Bank continued to receive multiple accolades recognizing its stellar performance on parameters across: 

Business and Financial Outcomes



Responsible Banking



Innovation



Financial Inclusion



Digital Banking and Fintech



Transaction Banking



Human Capital, among others

In terms of governance, the Board of Directors continued to extensively engage with the top and senior management leaders of the Bank during various Board/Committee meetings. Such engagements allow the Board to provide guidance to the leadership team to ensure long term sustenance of the Bank’s business strategy. The Board continues to have confidence in the long-term success of the Bank, backed by a robust record of regulatory compliance and a prudent approach to risk management. SOUTH INDIAN BANK is member of key national and global alliances including the India GHG Program, TERI Council for Business Sustainability, CII Climate Change Council and Natural Capital Finance Alliance. The Bank recognizes climate change as a material aspect to its functionality and proactively addresses it through Environment and Social Policy (ESP). Due to the increased incidence of 29

climate-change, the financial sector is moving towards developing measures to monitor and mitigate Environmental, Social and Governance (ESG) risks. We believe that it is important for the financial sector to stay ahead of the curve and meet short term profitability expectations through traditional lending and investing and also nurture sustainable finance business verticals that will deliver triple bottom line results in the long term. In order to have a 360 degree risk mitigation framework, SOUTH INDIAN BANK has instituted this policy in 2006, drawn from the Equator Principles, IFC guidelines and other international best practices. SOUTH INDIAN BANK has therefore adopted an Environment and Social Policy which goes beyond the realm of financial risk mitigation. In detail, the implementation of ESP is structured under two major categories: (i) mainstreaming environmental and social considerations, and (ii) safeguarding the environment and society and managing risks. This involves a multi-step process as indicated below:  Identification and Mitigation of risks: The environmental and social appraisal includes consideration of three key elements: (i) the environmental and social impacts and issues associated with the proposed project; (ii) the capacity and commitment of the client to address these impacts and issues in accordance with this Policy; and (iii) the role of third parties in achieving compliance.  Pre-investment process: The policy includes pre-investment procedures to assess adverse environmental and/or social impacts, to check compliance to environmental & social requirements, along with templates for E&S due diligence reports, E&S requirement checklist, corrective action plan, if and when applicable.  Monitoring & Reporting: The Bank monitors compliance as relevant through annual reports on projects and site visits. In cases where considered necessary, the Bank may undertake a due diligence process, capturing the engagement with clients on ESP compliance in the client file.  Training: The Bank conducts ESP related training for the relevant risk management and relationship management teams. In addition, a comprehensive module on the ESP is included in the structured induction programme for new employees, run every quarter.

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REFERENCES Websites 

https://www.yesbank.in/pdf/climate_change_as_a_driver_of_energy_efficiency_in_msmes_pdfw ww.yesbank.in

  

south indian bank in which segment business envionment - Google Searchwww.google.co.in Yes-Bank Career Prospects - 6009 Active Yes-Bank Jobs - Shine.comwww.shine.com South indian bank looks at recruiting 144 employees | Business Standard Newswww.businessstandard.com

  

South indian bank SWOT Analysis - WikiWealthwww.wikiwealth.com How does WTO impacted south indian bank Business - Google Searchwww.google.co.in Annual Report on Exchange Arrangements and Exchange Restrictions 2006 - International Monetary Fund. Monetary and Capital Markets Department - Google Booksbooks.google.co.in



Mohit Malhotra To Replace Sunil Duggal As Dabur India CEOwww.businessworld.in

Portable Document Files (PDFs)   

//www.yesbank.in/pdf/tnc_upi_pdfwww.yesbank.i bnr_timeline_extension_pdfwww.yesbank.in https://www.yesbank.in/pdf/ybl_esp_summary_pdfwww.yesbank.in

Journal 

www.freepressjournal.in/topic/yes-bank



https://thecsrjournal.in/tag/yes-bank/



PressReader.com - Connecting People Through Newswww.pressreader.com

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