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Meghna H. Tank 55 Sy - Bcom (Bankng & Insurance) Universal Banking

Aditya Birla Finance Limited (ABFL) is an Indian non-banking financial company that offers various capital market and corporate finance products and services. It faces credit risk from loan defaults and liquidity risk if its credit rating falls or the markets it relies on lose liquidity. ABFL aims to become a universal bank and expand into microfinance to tap growing markets and increase customer satisfaction. It recommends converting to a universal bank and enhancing its capital market operating systems.

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70 views11 pages

Meghna H. Tank 55 Sy - Bcom (Bankng & Insurance) Universal Banking

Aditya Birla Finance Limited (ABFL) is an Indian non-banking financial company that offers various capital market and corporate finance products and services. It faces credit risk from loan defaults and liquidity risk if its credit rating falls or the markets it relies on lose liquidity. ABFL aims to become a universal bank and expand into microfinance to tap growing markets and increase customer satisfaction. It recommends converting to a universal bank and enhancing its capital market operating systems.

Uploaded by

Meghna Tank
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PPTX, PDF, TXT or read online on Scribd
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Name: Meghna H.

Tank
Roll No:55
Class: Sy.Bcom
(bankng & Insurance)
Subject: Universal banking
ADITYA BIRLA FINANCE
LIMITED

LET’S REACH FOR THE SUN


INTRODUCTION
Aditya Birla Financial Services Group, is one of India’s leading non-banking financial
companies having diversified interests in the financial services sector. Incorporated in 1991,
the company is one of the largest players in security-based lending and is a pioneer in IPO
financing in India. Aditya Birla Finance (ABF) offers specialized solutions in areas of capital
market and corporate finance. Headquartered in Mumbai, the company has a wide
network through its branches . . Its flagship listed companies include Aditya Birla Minerals,
Aditya Birla Nuvo, Grasim, Hindalco- Novelis, Idea Cellular and Ultratech. The group has
been adjudged as 6th Top Company for Leaders in Asia Pacific Region.
Our Vision
To be a leader and role model in a broad based and integrated financial services business.
Our Values
Our core values describe the attitude and behavior, we believe are central to delivering
world-class client service.
We have five core values that are at the heart of everything we do:
 Integrity
 Commitment
 Passion
 Speed
 Seamlessnes
PRODUCTS & SERVICES

Capital market products

.
The Capital Market Group offers its customers the best opportunity
to meet their liquidity requirements. It provides finance for
investments in the primary and the secondary market. Aditya Birla
Finance (ABFL) is the pioneer in IPO Financing in India. The Capital
Market product offerings include:
 
The Capital Market product offerings include:-
 
Loan against securities
Loan against securities individuals.
Loan against mutual funds unit.
Line of credit against securities
IPO Financing
Corporate Finance

The Corporate Finance Group deals with SMEs and large


corporate clients and aims to provide innovative and customized
solutions to meet their working capital needs.
Our valued relationship with several blue chip companies & SMEs
demonstrate our expertise and commitment. Some of our
strengths that give us an operational edge are Speed, Flexibility,
Seamlessness, and Structured Solutions.
The Corporate Finance Product Suite includes:-

Invoice Discounting
Channel Financing
Vendor Financing
Debt Syndication
 
 
  
 
 
DIFFERENT TYPES OF RISK ASSOCIATED
Aditya Birla Finance Limited offers its customers its customers with various capital market
products and Corporate Finance products. The company is likely to face many risk
associated as each and every customers of the company are not trust worthy and loyal to
pay back the borrowed funds from the company. ABFL is namely faces two kinds of risk
from its customers. Viz; Credit Risk and Liquidity Risk.

Credit Risk is faced by the company because it offers its customers various types of loans
under capital market products. The loan amount becomes a problem if it is not repaid back
by the customers on the time given to them by the company. This is the most fundamental
risks faced by the banks and NBFC’s.

Liquidity Risks can also be faced by Aditya Birla Finance ltd as it has a large amount of
credit and corporate finance products such as bill discounting, channel financing etc which
all deals with cash and liquid assets. It is mainly faced if the credit rating of the company
falls in the market. It can be also exposed to risk if the market to which it belongs and
depends are subjected to loss of liquidity.
CONCLUSION
Over the years, Aditya Birla Finance Ltd have developed expertise and gained
experience in building a large, diversified and yet secure portfolio. They have a
unique blend of strength and flexibility and also have a record free of NPAs, bad
debts and legal disputes. Hence we are trusted by some of the best performing
companies. We lend you our expertise and reputation to help you meet your
short term working capital needs.
We have a range of corporate finance solutions which include Bill Discounting,
Factoring, Reverse Factoring, Channel Factoring, Vendor Financing and Debt
Syndication.  The company is looking to first establish itself in the wholesale
business before moving on to providing microfinance to the end consumer.
Hence ABFL can make his entry into microfinance which has become the fastest
moving business with great future prospectus and it promises to be one of the
biggest enablers of India’s economic development in the coming years.
 
RECOMMENDATIONS
ABFL can become a leading player in the stock market expects to
enhance customer satisfaction and efficiency with operating system
of capital. Aditya Birla Finance limited can get converted itself into
an universal banking, leading to its growth in the market and
increasing customer satisfaction. which can help them to attract
more and more customers.

Through its lending and financing solutions ABF enables its


customers to pursue ambitious growth strategies and execute value-
creating transactions. The Capital Market Group offers its customers
the best opportunity to meet their liquidity requirements. It also
provides finance for investments in the primary market.
ACKNOWLEDGEMENT

I am heartly thanking Pro. Rahul Shah to


give such a good opportunity to make the
project on a non banking financial company.
Which has helped me to gain knowledge
about the company and NBFC.

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