Securitisation: Every Bank’s Relief
Securitisation in financial services is a vital process for most banks. As one would know, banks specialize in investing in financial assets, and whether it’s a personal loan, or a business venture, their main goal is to obtain a profitable return on their investments. However, what happens when they are unable to collect on certain investments? What happens if some loans may cannot be repaid? In such cases the banks are stuck with bad financial assets that they cannot easily discharge.
Liquidating Bad Investments
This often tends to reflect in their balance sheets, where they weigh the value of each asset. Bad assets tend to be a more negative aspect on these sheets and thus banks will need to liquidate them somehow. But as it’s possible to assume, not many other industries involve themselves in buying up bad assets. That is, not many apart from ARCs, Asset Reconstruction Companies.
Asset Reconstruction Companies and Their Purpose
When faced with a certain volume of bad assets, Banks have only one option left, securitisation. Securitisation in financial services is the process of packaging bad assets together and selling them to a company that specialises in reconstructing them. This process allows Asset Reconstruction Companies to buy bad assets at a discounted price, while also allowing the banks to clear their balance sheets, albeit at a slight loss.
A Final Financial Cycle
Asset Reconstruction Companies on the other hand, will attempt to collect on the assets. For example, if one of the bad assets was a loan that was never repaid, they can collect on the full remaining amount and keep the money as profit. This sort of function also sometimes involves property or other tangible assets that are held as collateral. In order to ensure all assets are accounted for, the government launched a securitisation registry called CERSAI, which records all the details regarding the status of any asset. Banks and ARCs are required to submit regular status updates to CERSAI in order to ensure all assets remain accounted for.
CERSAI is the Central Registry of Securitization Asset Reconstruction, a comprehensive registry for the status of all assets in India.The securitization of assets helps the public as well as the government given that it helps identify the state of any asset.The securitization in financial services involves keeping a record of the status and ownership of Assets or debts.
For this purpose, CERSAI is indispensable.
Scope of the Report:The report entitled “Global Bone Graft and Substitutes Market: Size, Trends and Forecast (2018-2022)” provides an in-depth analysis of the bone graft and substitutes market including detailed description of market sizing and growth.
The report provides analysis of the market by value, by segments, by region and includes segment analysis as well.Request a sample of this report @ http://www.orbisresearch.com/contacts/request-sample/2255731The report also provides a regional analysis of the bone graft and substitutes market of Americas, Europe, Asia-Pacific, Middle East and Africa and the rest of the world.In addition, the report also assesses the key opportunities in the market and outlines the factors that are and will be driving the growth of the industry.
The four companies have been profiled in the report providing detailed analysis of their financial information and business strategies.Country Coverage:AmericasEuropeAsia-PacificMiddle East and AfricaROWCompany Coverage:Medtronic PLCWright Medical Group N.V.Zimmer BiometJohnson & Johnson (DePuy Synthes)Browse the complete report @ http://www.orbisresearch.com/reports/index/global-bone-graft-and-substitutes-market-size-trends-and-forecast-2018-2022Executive Summary:Bone grafts referred to the materials that are used for the replacement or augmentation of bones.
Bone grafts could be used for various purposes such as fixing bones that are impaired from trauma, growing bone around an implanted device, filling a void where the bone is absent and providing structural stability.
Various applications of bone graft and substitutes include spinal fusion, trauma, joint reconstruction and dental bone grafting.
On the basis of material, the bone graft and substitutes market can be divided into allografts and bone graft substitutes.The global bone graft and substitutes market has witnessed continuous growth in the past few years and is projected to grow even further during the forecast period (2018-2022).
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OVO - Company financial technology or fintech payment OVO product launches financing Micro, Small, and Medium enterprises or SMES named DanaTara.
Based on BPS data, the contribution of SMES in GDP has already reached 60% and absorb 97,22% of the workforce nationally.
However, the penetration of financing in SMES is still low.
The low penetration of financing influenced by the limited access to financial services and financial literacy are not evenly distributed.
(Read: Grab Will Browse the Insurance Market to Finance in Indonesia in 2020)
DanaTara already available for the activists of the SMES that are incorporated in the e-commerce platform such as Tokopedia, Lazada, Shopee and BukaLapak.
[67 Report Pages ] In recent years, financial institutions are adopting the artificial intelligence (AI) technology for managing their financial assets and reducing operating cost, thereby increasing the revenue.
Several fintech companies and banks are rapidly deploying voice assistants and chatbots to manage customer interactions and resolve issues (queries) with minimal human involvement.
With the implementation of financial asset management, the financial institutions can effectively manage their financial assets and meet expectations of the changing customer behavior by leveraging technologies, including AI, predictive analytics, and machine learning.
This will assist organizations in automation and improves business processes, thus resulting in enhanced customer’s experience.The global AI in financial asset management market is categorized based on the presence of diversified small and large vendors.
However, various vendors such as IPsoft and Lexalytics are competing with them in the global market by providing solutions at a competitive price with the customized product offering.
The market growth is fuelled by key vendors entering into strategic partnerships with suppliers and third-party vendors in the ecosystem to increase the global footprint and customer service capabilities.Natural language processing (NLP) is the fastest growing technology in the global AI in financial asset management market owing to the increasing deployment of chatbots and virtual personal assistants in the banking sector.
