Bank Nifty Option Tip

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If You are Looking to Trade Intraday Bank Nifty option with Single Target and make 150-300 points; then our Bank Nifty option tips is best for you as it provide Large Targets and Small Stop Loss. The aim is to make Rs 3750-7500 almost daily by trading in Bank Nifty Options by employing just Rs 10,000 capital. Your profit is assured as we trade with "NO Loss Strategy". Click on Image or Post Title to Read More.

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Latest Video Reviews by Clients

You can have a look at the Video Reviews provided by our ongoing current clients regarding Indian-Share-Tips.Com Services to include Bank Nifty Option Tip. You must have a look to know about their satisfaction level, profit generated and complaints if any. Click on Image or Post Title to Read More.

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Awards and Recognition

An award is something which is awarded based on Merit. Awards & Recognition are a must in Life as it provides the necessary vigour to keep progressing ahead in Life. Awards do not only acknowledge success; they recognise many other qualities: ability, struggle, effort and, above all, excellence. This is the reason that for past 22 Years we have been christined as Best Stock Market Tips Provider & we are at the 'Top' in this field. Check out our Awards by clicking on Image or Post Title Now!!

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Banking Sector Latest Update to Make Money

Banks are the backbone of every economy. It is very important that banks remain healthy financially. Otherwise, a financial crisis can hit a country leading to recession like the US in 2008.

This is especially true for developing countries like India. "The banks are the lifelines of the economy and play a catalytic role in activating and sustaining economic growth, especially, in developing countries and India is no exception," S S Mundra, deputy governor of the Reserve Bank of India said in a speech recently.

However, India's banks face different kinds of problems, which have affected their profitability and financial stability, as per S S Mundra's speech.

Just remember to see the comments below this post to get the latest update in the banking sector.

ASSET QUALITY

The biggest risk to India's banks is the rise in bad loans. The slowdown in the economy in the last few years led to a rise in bad loans or non-performing assets (NPAs). These are loans which are not repaid back by the borrower. They are, thus, a loss for the bank. Net NPAs amount to only 2.36% of the total loans in the banking system. This may not seem like an alarming figure. However, it does not take into restructured assets - when a borrower is unable to pay back and the bank makes the loan more flexible to be paid back over a longer period of time. Restructured assets too put pressure on a bank's profitability. Together, such stressed assets account for 10.9% of the total loans in the system. And these are just loans which are identified as stressed assets. 36.9% of the total debt in India is at risk, according to an IMF report. Yet, banks have capacity to absorb only 7.9% loss. So, if these debts turn bad too, banks will face major losses.

CAPITAL ADEQUACY

One way a bank tries to ensure it is protected from bad loans is by setting aside money as a 'provision'. This money cannot be used for any other purposes including lending. As a result, banks have lower capital available to use for its various operations. The Capital Adequacy Ratio measures how much capital a bank has. When this falls, the bank has to borrow money or use depositors' money to lend. This money, however, is riskier and costlier than the bank's own capital. For example, a depositor can withdraw his/her money any time they want. So, a fall in CAR (often called as CRAR or Capital to Risk Assets Ratio) is worrisome. In the last few years, CRAR has declined steadily for Indian banks, especially for public-sector banks. Moreover, banks are not able to raise money easily, especially public-sector banks which have higher number of bad loans. If banks do not shore up their capital soon, some could fail to meet the minimum capital requirement set by the RBI. In such a case, they could face severe issues.

UNHEDGED FOREX EXPOSURE

"The wild gyrations in the forex market have the potential to inflict significant stress in the books of Indian companies who have heavily borrowed abroad," Mundra said in his speech. This stress can affect their ability to pay back debt to Indian banks. As a result, the RBI wants banks to ensure companies they lend to do not expose themselves to unnecessary debt in dollars.

EMPLOYEE AND TECHNOLOGY

Public-sector banks are seeing more employees retire these days. So, younger employees are replacing the elder, more-experienced employees. This, however, happens at junior levels. As a result, there would be a virtual vacuum at the middle and senior level. "The absence of middle management could lead to adverse impact on banks' decision making process as this segment of officers played a critical role in translating the top management's strategy into workable action plans," the deputy governor said. Moreover, banks - especially government-owned banks - need to embrace technology to offer better products. This will also help make banks more efficient.

BALANCE SHEET MANAGEMENT

In the past few years, many banks have tried to delay setting aside money as provisions (for future bad loans). One reason for this is that a bank's chief executives have a short tenure, during which time they want to post higher net profits and cheer investors. "It must be appreciated that CEOs/ CMDs would come and go but the institutions are perpetual entities. The only thing which can perpetuate their existence is a stronger and healthier balance sheet," Mundra said. Deferring provisioning is harmful in the long term. It reduces the bank's ability to withstand financial pressures. This is even more problematic considering the poor capital adequacy in Indian banks. In fact, investors would be more happy if the management addresses and sorts out problems rather than posting high net profits that cannot be sustained in the long term, the deputy governor said.

Check Auto Sector , Rubber Sector, Retail Sector and IT Sector Latest Update here.

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Jackpot Bank Nifty Option tip, as the name suggests has the potential to get you more money Profit as it is not the number of tips one trades; but it is the accuracy of a single tip which has the potential to help you realise your financial dreams. This tip is a value for money for all i.e whether one can see the trading terminal or not or is dealing through a broker on phone at BSE, NSE or in F&O. Thus you are on a correct path of making money every day with single daily accurate tip. Click on Image or Post Title to Read More.

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Latest Video Reviews by Clients

You can have a look at the Video Reviews provided by our ongoing current clients regarding Indian-Share-Tips.Com Services to include Bank Nifty Option Tip. You must have a look to know about their satisfaction level, profit generated and complaints if any. Click on Image or Post Title to Read More.

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Awards and Recognition

An award is something which is awarded based on Merit. Awards & Recognition are a must in Life as it provides the necessary vigour to keep progressing ahead in Life. Awards do not only acknowledge success; they recognise many other qualities: ability, struggle, effort and, above all, excellence. This is the reason that for past 22 Years we have been christined as Best Stock Market Tips Provider & we are at the 'Top' in this field. Check out our Awards by clicking on Image or Post Title Now!!

Best share market tips provider award in India

 
Chart> Nifty A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0-9