751-Sabar Institute Of Management, Tajpur - Gujarat Technological ...

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exist in the private and public sector, such as development banks, the Industriekreditbank and the publicly-owned Kreditanstalt für Wiederaufbau (KfW), which together account for around 11% of business volume. This three-pillar system has changed little over time as most mergers occur within each pillar. While private-sector banks in general do not have the opportunity to take stakes in public-sector banks, there are no restrictions for public-sector banks to take over private banks. Takeovers of credit co-operative banks are made difficult due to the regulation that each member has one voting right. Banking regulation and supervision Centralize supervision at the Bundesbank as planned but ensure that this leaves the institution with sufficient independence from the Ministry of Finance. Strengthen the macro-prudential elements of supervision. Widen the scope for supervision beyond compliance with quantitative requirements. Prevent regulatory arbitrage by continuing to move closer towards a more principle-based regulation. Supervisors should address more clearly than in the past the risks that certain business strategies entail. Consider introducing dynamic provisioning as well as a binding overall leverage ratio. Introduce a framework for restructuring and winding-up framework systemically-relevant banks that allows for a sufficiently early intervention by the government. Current Situation of German Banking Although a little less popular than German banks, foreign banks such as JP Morgan, Goldman Sachs, and Merrill Lynch have also enjoyed success on German soil in recent years. Chances are that their participation in the banking sector will continue to grow with time. In the last century, the German banking industry has been a relatively secure and lucrative part of the economy, offering much-needed stability for the country’s post-WWII rebuilding and development. The current state of German banks, however, marked by the last year’s financial crisis, is not a pretty picture. So, while it is true that no German bank has gone into bankruptcy so far, it is also true that most of them have declared significantly lower profits for the last year. The state’s intervention, aiming to fight off the crisis, has done little for the improvement of German banking. Actually at present, the German government is the object of severe accusations for having provided financial assistance “too little, too late” (it was not before the last April that 38
a German bank, Hypo Real Estate, had financial injections administered by the Bundestag for the first time). All this has forced banks to tighten up their lending procedures with regard to both, private individuals and legal entities, which, in turn, has led to the present stifling of Germany’s industries. Nowadays, experts are reluctant to make exact predictions about the future of the German economy but one aspect seems certain – Germany’s banking sector is facing a hard and slow road to recovery. 39
Page 1 and 2: A GLOBAL / COUNTRY STUDY AND REPORT
Page 3 and 4: Part-1: Overview of Germany 1.1 His
Page 5 and 6: Urbanization urban population: 74%
Page 7 and 8: After decades of lagging behind its
Page 9 and 10: TYPES OF TRADE UNION: There are fou
Page 11 and 12: Political system Bundestag The Bund
Page 13 and 14: Voting System The voter has two vot
Page 15 and 16: GDP (purchasing power parity) Count
Page 17 and 18: 2.3 Social Environment High Human
Page 19 and 20: Social Infrastructure: Roadways (Km
Page 21 and 22: Although they have introduced proto
Page 23 and 24: Technological advancements: German
Page 25 and 26: Mostly, in both cases, the temperat
Page 27 and 28: until he or she has been separated
Page 29 and 30: Part-3: Indo-German Relations The f
Page 31 and 32: Indian textile Exports to Germany T
Page 33 and 34: BANKING INDUSTRY 33
Page 35 and 36: German banks function as universal
Page 37: Assist supervisors in employing the
Page 41 and 42: Overview Germany’s chemical indus
Page 43 and 44: New materials will play an increasi
Page 45 and 46: Industry segments in 2010: 20% fine
Page 47 and 48: 4 SHELL The past few months have se
Page 49 and 50: A major investment was finalized be
Page 51 and 52: Overview: Germany is the largest el
Page 53 and 54: agreement for future contracts conc
Page 55 and 56: If government make any changes in t
Page 57 and 58: Life Insurance in Germany Taking ou
Page 59 and 60: Power of buyer: Market is highly se
Page 61 and 62: SHIPPING INDUSTRY 61
Page 63 and 64: Coastwise Shipping Technically, coa
Page 65 and 66: Top German Shipping Companies: MACS
Page 67 and 68: Overview: Infrastructure developmen
Page 69 and 70: SWOT Analysis STRENGTHS (1) Strong
Page 71 and 72: Germany is the largest and most mat
Page 73 and 74: Future Outlook Over the last two de
Page 75 and 76: The company offers its German priva
Page 77 and 78: Overview Information technology (IT
Page 79 and 80: PHARMACEUTICAL INDUSTRY 79
Page 81 and 82: Opportunities The opportunities of
Page 83: Industry Forecast Increasing income

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