Financial Services 5

8/3/2019 Financial Services 5

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IDEXIW IAKIPUI


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I fzxzic gzmh eq i gemimaeic emxjpfjheipuxkix ~llcq xkj qiwembq lg emwjqxlpq glp

alccjaxewj emwjqxfjmx em i hewjpqegejh~lpxglcel lg qjazpexejq-

I gzmh eq fzxzic iq icc lg exq pjxzpmq#femzq exq j{~jmqjq# ipj qkipjh `u xkjgzmhq emwjqxlpq-


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Em xkj aiqj lg fzxzic gzmhq# qiwembq lg qficcemwjqxlpq ipj ~llcjh zmhjp i qakjfj imh xkjpjxzpmq ipj heqxpe`zxjh em xkj qifj ~pl~lpxelm

em rkeak xkj emwjqxfjmxq ipj fihj `u xkjemwjqxlpq,zmex&klchjpq- Fzxzic gzmh eq i alccjaxewj qiwembq qakjfj- Fzxzic gzmhq ~ciu im ef~lpximx plcj em

fl`ecetemb xkj qiwembq lg qficcemwjqxlpq+pjxiec emwjqxlpq% imh akimmjcetembxkj qifj glp ~plhzaxewj wjmxzpjq em xkjEmheim jalmlfu-


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Xkj Qjazpexejq imh J{akimbj @liph lgEmhei +Fzxzic Gzmhq% Pjbzcixelmq# 9557

hjgemjq i fzxzic gzmh iq i i gzmhjqxi`ceqkjh em xkj glpf lg i xpzqx xl pieqjflmju xkplzbk xkj qicj lg zmexq xl xkj~z`cea lp i qjaxelm lg xkj ~z`cea zmhjp lmjlp flpj qakjfjq glp emwjqxemb emqjazpexejq# emaczhemb flmju fipojxemqxpzfjmxq-


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I- Gzmaxelmic Aciqqegeaixelm lg FzxzicGzmhq

@- ^lpxglcel AciqqegeaixelmA- Bjlbpi~keaic AciqqegeaixelmH- Lxkjpq


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i% L~jm&jmhjh qakjfjq4 Xkeq qakjfj almxemzlzqcu lggjpq xl qjcc

imh pj~zpakiqj exq zmexq ix mjx iqqjxwiczj +MIW% lp MIW&pjcixjh ~peajq-

L~jm&jmhjh qakjfjq hl mlx kiwj i ge{jhalp~zq-

Xkjpj eq ml ge{jh pjhjf~xelm ~jpelh eml~jm&jmhjh qakjfjq- Xkj oju gjixzpj lg l~jm&jmhjh gzmhq eq

ceyzehexu-


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`% Aclqj&jmhjh qakjfjq4 Aclqj&jmhjh qakjfjq kiwj i ge{jh alp~zq imh i

qxe~zcixjh fixzpexu ~jpelh pimbemb `jxrjjm 0 xl :ujipq-

Emwjqxlpq aim emwjqx em xkj qakjfj rkjm ex eq cizmakjh- Xkj qakjfj pjfiemq l~jm glp i ~jpelh mlx

j{ajjhemb 8: hiuq-

Emwjqxlpq em aclqj&jmhjh qakjfjq aim `zu zmexqlmcu gplf xkj fipojx# lmaj emexeic qz`qape~xelmq ipjlwjp imh xkjpjigxjp xkj zmexq ipj ceqxjh lm xkjqxlao j{akimbjq rkjpj xkju aim `j `lzbkx imhqlch-


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i% Emalfj gzmhq4 Xkj ief lg emalfj gzmhq eq xl ~plwehj

pjbzcip emalfj xl emwjqxlpq- Qzak qakjfjq emwjqx ~pjhlfemimxcu em

emalfj&`jipemb emqxpzfjmxq ceoj `lmhq#hj`jmxzpjq# blwjpmfjmx qjazpexejq# imh

alffjpaeic ~i~jp- Xkj pjxzpm iq rjcc iq xkj peqo ipj clrjp em

emalfj gzmhq iq alf~ipjh xl bplrxkgzmhq-


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`% Bplrxk gzmhq4 Xkj fiem l`djaxewj lg bplrxk gzmhq eq ai~exic

i~~pjaeixelm lwjp xkj fjhezf&xl&clmb& xjpf- Xkju emwjqx flqx lg xkj alp~zq em jyzexu

qkipjq rexk qebmegeaimx bplrxk ~lxjmxeic imhxkju lggjp kebkjp pjxzpm xl emwjqxlpq em xkjclmb&xjpf-

Xkjqj qakjfjq ipj zqziccu aclqj&jmhjh imhceqxjh lm qxlao j{akimbjq-


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a% @icimajh gzmhq4 Xkj ief lg `icimajh qakjfj eq xl ~plwehj `lxk

ai~exic i~~pjaeixelm imh pjbzcip emalfj-

Xkju hewehj xkjep emwjqxfjmx `jxrjjm jyzexuqkipjq imh ge{jh emalfj `jipemb emqxpzfjmxq emqzak i ~pl~lpxelm xkix# xkj ~lpxglcel eq `icimajh-

Xkj ~lpxglcel lg qzak gzmhq zqziccu alf~peqjq lgalf~imejq rexk bllh ~plgex imh hewehjmh xpiaopjalphq-

Xkjep j{~lqzpj xl peqo eq flhjpixj imh xkju lggjpi pjiqlmi`cj pixj lg pjxzpm-


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h% Flmju fipojx fzxzic gzmhq4 Xkju q~jaeicetj em emwjqxemb em qklpx&xjpf

flmju fipojx emqxpzfjmxq ceoj xpjiqzpu`eccq# imh ajpxegeaixj lg hj~lqexq jxa- Xkj l`djaxewj lg qzak gzmhq eq kebk

ceyzehexu-


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i% Hlfjqxea gzmhq4 Gzmhq rkeak fl`ecetj pjqlzpajq gplf i

~ipxeazcip bjlbpi~keaic claicexu ceoj i

alzmxpu lp pjbelm ipj hlfjqxea gzmhq- Xkj fipojx eq cefexjh imh almgemjh xl xkj

`lzmhipejq lg i mixelm em rkeak xkj gzmhl~jpixjq-

Xkju aim emwjqx lmcu em xkj qjazpexejq rkeakipj eqqzjh imh xpihjh em xkj hlfjqxeagemimaeic fipojxq-


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`% Lggqklpj gzmhq4 Lggqklpj gzmhq ixxpiax glpjebm ai~exic glp

emwjqxfjmx em xkj alzmxpu lg xkj eqqzembalf~imu- Qzak fzxzic gzmhq aim emwjqx em qjazpexejq

lg glpjebm alf~imejq-


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i% Qjaxlpic4 Xkjqj gzmhq emwjqx em q~jaegea alpj

qjaxlpq ceoj jmjpbu# xjcjalffzmeaixelmq#EX# almqxpzaxelm# xpimq~lpxixelm# imhgemimaeic qjpweajq-


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`% Xi{ qiwemb qakjfjq4 Xi{&qiwemb qakjfjq ipj hjqebmjh lm xkj

`iqeq lg xi{ ~lceau rexk q~jaeic xi{emajmxewjq xl emwjqxlpq- Xkj l`djaxewj lg xkeq qakjfj eq ~plwehemb

Xi{ `jmjgex xl emwjqxlpq-


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a% Jyzexu&cemojh qiwembq qakjfj +JCQQ%4 Em lphjp xl jmalzpibj emwjqxlpq xl emwjqx em

jyzexu fipojx# xkj blwjpmfjmx kiq bewjm xi{&almajqqelmq xkplzbk q~jaeic qakjfjq-

Emwjqxfjmx em xkjqj qakjfjq jmxexcjq xkjemwjqxlp xl acief im emalfj xi{ pj`ixj# `zx

xkjqj qakjfjq aippu i clao&em ~jpelh `jglpjxkj jmh lg rkeak gzmhq aimmlx `j rexkhpirm-


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h% Emhj{ gzmhq4 Im emhj{ gzmh eq i fzxzic gzmh rkeak emwjqxq

em qjazpexejq em xkj emhj{ lm rkeak ex eq `iqjh@QJ Qjmqj{ lp Q'^ AM[ Megxu-

Ex emwjqxq lmcu em xklqj qkipjq rkeakalf~peqj xkj fipojx emhj{ imh em j{iaxcu xkj

qifj ~pl~lpxelm iq xkj alf~imejq em xkjemhj{ ql xkix xkj wiczj lg qzak emhj{ gzmhqwipejq rexk xkj fipojx emhj{-


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j% J{akimbj xpihjh gzmhq +JXGq% 4 J{akimbj Xpihjh Gzmhq ipj ceqxjh lm

qxlao j{akimbjq imh xpihj ceoj emhewehzicqxlaoq lm xkj qxlao j{akimbj-


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Bcl`iccu# fzxzic gzmhq kiwj jqxi`ceqkjhxkjfqjcwjq iq xkj fjimq lg emwjqxfjmx

glp xkj pjxiec emwjqxlp-


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Im iwjpibj emwjqxlp ciaoq xkj omlrcjhbj lgai~exic fipojx l~jpixelmq-

Kjmaj# kj pjyzepjq xkj kjc~ lg im j{~jpx- Ex# eq mlx lmcu j{~jmqewj xl kepj xkj qjpweajq

lg im j{~jpx `zx ex eq flpj heggeazcx xl ehjmxegu ipjic j{~jpx-

Fzxzic gzmhq ipj fimibjh `u ~plgjqqelmic

fimibjpq rkl kiwj xkj pjyzeqexj qoeccq imhj{~jpejmaj xl imicutj xkj ~jpglpfimaj imh~plq~jaxq lg alf~imejq-


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Im emwjqxlp zmhjpxiojq peqo eg kj emwjqxqicc keq gzmhq em i qembcj qape~-

Fzxzic gzmhq emwjqx em i mzf`jp lgalf~imejq iaplqq wipelzq emhzqxpejq imhqjaxlpq-

Xkeq hewjpqegeaixelm pjhzajq xkj peqoemjqqlg xkj emwjqxfjmxq-


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Alf~ipjh xl hepjax emwjqxemb em xkj ai~exicfipojx# emwjqxemb xkplzbk xkj gzmhq eq

pjcixewjcu cjqq j{~jmqewj iq xkj `jmjgex lgjalmlfejq lg qaicj eq ~iqqjh lm xl xkjemwjqxlpq-


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Fzxzic gzmh emwjqxlpq aim jiqecu jmaiqkxkjep emwjqxfjmx `u qjccemb xkjep zmexq xl

xkj gzmh eg ex eq im l~jm&jmhjh qakjfj lpqjccemb xkjf lm i qxlao j{akimbj eg ex eq iaclqj&jmhjh qakjfj-


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Fzxzic gzmhq lggjp i gifecu lg qakjfjq#imh emwjqxlpq kiwj xkj l~xelm lg

xpimqgjppemb xkjep klchembq gplf lmjqakjfj xl xkj lxkjp-


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Fzxzic gzmh emwjqxlpq mlr jmdlu emalfj&xi{ `jmjgexq-

Xkzq# i~ipx gplf hewehjmhq# emxjpjqx 'ai~exic i~~pjaeixelm# emwjqxlpq icql qximhxl bjx xkj `jmjgex lg xi{ almajqqelm-


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Fzxzic gzmhq xpimq~ipjmxcu hjacipj xkjep~lpxglcel jwjpu flmxk-

Xkzq im emwjqxlp omlrq rkjpj keq,kjpflmju eq `jemb hj~clujh imh em aiqj xkjuipj mlx ki~~u rexk xkj ~lpxglcel xkju aimrexkhpir ix i qklpx mlxeaj-


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Fzxzic gzmhq kiwj i cipbj iflzmx lggzmhq rkeak eq emwjqxjh em xkj qxlao

fipojx- Em ihhexelm# fzxzic gzmhq emapjiqj ceyzehexu

em xkj flmju imh ai~exic fipojx- Xkzq# xkj fipojx eq fihj wjpu iaxewj imh

qxi`cj-


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Fzxzic gzmhq kjc~q xl pjhzaj xkjfipojxemb alqx lg xkj mjr eqqzjq-

Xkj ~plflxjpq zqjh xl icclx i fidlp qkipjlg Emexeic ^z`cea Lggjpemb xl xkj fzxzicgzmhq ' xkzq xkju ipj qiwjh gplf xkjfipojxemb alqx lg qzak eqqzjq-


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Icc Fzxzic Gzmhq ipj pjbeqxjpjh rexk QJ@Eimh xkju gzmaxelm rexkem xkj ~plweqelmq lg

qxpeax pjbzcixelmq hjqebmjh xl ~plxjax xkjemxjpjqxq lg emwjqxlpq- Xkj l~jpixelmq lg Fzxzic Gzmhq ipj

pjbzcipcu flmexlpjh `u QJ@E-


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Mjx Iqqjx Wiczj eq xkj fipojx wiczj lg xkjiqqjxq lg xkj qakjfj femzq exq cei`ecexejq-

Xkj ~jp zmex MIW eq xkj mjx iqqjx wiczj lgxkj qakjfj hewehjh `u xkj mzf`jp lg zmexqlzxqximhemb lm xkj wiczixelm hixj-


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Eq i akipbj alccjaxjh `u i qakjfj rkjm exqjccq xkj zmexq-

Icql aiccjh# Gplmx&jmh clih- Qakjfjq xkix hl mlx akipbj i clih ipj

aiccjh Ml Clih qakjfjq-


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Eq i akipbj alccjaxjh `u i qakjfj rkjm ex`zuq `iao xkj zmexq gplf xkj zmex klchjpq-


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Xkpjj oju ~ciujpq mifjcu q~lmqlp# fzxzicgzmh xpzqx# imh iqqjx fimibjfjmx

alf~imu +IFA% ipj emwlcwjh em qjxxemb z~i fzxzic gzmh-


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Q~lmqlp fjimq imu ~jpqlm rkl iaxembiclmj lp rexk imlxkjp `lhu alp~lpixj

jqxi`ceqkjq i fzxzic gzmh- Xkj q~lmqlp lg i gzmh eq ceoj xl xkj

~plflxjp lg i alf~imu iq kj bjxq xkjgzmh pjbeqxjpjh rexk QJ@E-

QJ@E recc pjbeqxjp xkj fzxzic gzmh eg xkjq~lmqlp gzcgeccq xkj glcclremb apexjpei4


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e- Xkj q~lmqlp qklzch kiwj i qlzmh xpiaopjalph imh bjmjpic pj~zxixelm lg giepmjqq

imh emxjbpexu em icc keq `zqemjqqxpimqiaxelmq-ee- Xkj q~lmqlp imh imu lg xkj hepjaxlpq lp

~pemae~ic lggeajpq xl `j jf~clujh `u xkjfzxzic gzmh# qklzch mlx kiwj `jjm glzmhbzecxu lg gpizh lp bzecxu lg jalmlfealggjmajq-


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I fzxzic gzmh em Emhei eq almqxexzxjh em xkj glpf lgi ~z`cea Xpzqx apjixjh zmhjp xkj Emheim Xpzqxq Iax#9;;0-

Xkj q~lmqlp glpfq xkj Xpzqx imh pjbeqxjpq ex rexkQJ@E- Xkj gzmh q~lmqlp almxpe`zxj xl exq emexeic ai~exic

imh i~~lemxq i xpzqxjj xl klch xkj iqqjxq lg xkjXpzqx glp xkj `jmjgex lg xkj zmex& klchjpq# rkl ipjxkj `jmjgeaeipejq lg xkj Xpzqx-

Xkj gzmh xkjm emwexjq emwjqxlpq xl almxpe`zxj xkjepflmju em xkj alfflm ~llc# ù qz`qapeèmb xlzmexq eqqzjh ù wipelzq qakjfjq-


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Flqx lg xkj gzmhq em Emhei ipj fimibjh `uxkj @liph lg Xpzqxjjq# rkeak eq im

emhj~jmhjmx `lhu imh iaxq iq ~plxjaxlp lgxkj zmex &klchjpq emxjpjqxq- Xkj xpzqxjjq qkicc `j iaalzmxi`cj glp

gzmhq,~pl~jpxu lg pjq~jaxewj qakjfj-


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Xkj xpzqxjjq i~~lemx xkj Iqqjx FimibjfjmxAlf~imu +IFA% rexk xkj ~pelp i~~plwic lg QJ@E-

Xkj IFA eq i alf~imu glpfjh imh pjbeqxjpjh

zmhjp xkj Alf~imejq Iax# 95:7# xl fimibj xkjiggiepq lg xkj fzxzic gzmh imh l~jpixj xkjqakjfjq lg qzak fzxzic gzmhq-

Ex akipbjq i gjj glp xkj qjpweajq ex pjmhjpq xl xkjfzxzic gzmh xpzqx-

Ex iaxq iq xkj emwjqxfjmx fimibjp xl xkj Xpzqxzmhjp xkj qz~jpweqelm imh hepjaxelm lg xkjxpzqxjjq-


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Xkj IFA lg i fzxzic gzmh fzqx kiwj imjx rlpxk lg ix cjiqx Pq 9> aplpj ix icc

xefjq imh xkeq mjx rlpxk qklzch `j em xkjglpf lg aiqk-


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Financial Services 5

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