This presentation is related to some financial topics.

2. Bank overdraft products

3. Personal loans

4. Home-equity lending

5. Auto-title lending

6. Informal lending

7. Peer to Peer LendingPresented By: Atul Jain (69) Presented To: Mr. Vamsi Krishna

9. WHO

10. WHEN

11. WHERE

13. Revolving Credit

14. Rewards

16. Assurance Payment

22. Auto - Title Lending A Auto Title Loan, or simply title loan, is a loan where the borrower provides their auto title as collateral for a loan. These loans are typically short-term, and tend to carry higher interest rates than other sources of credit. These loans have higher interest rates than other sources of credit due to the fact that the lender typically does not check credit and that the only consideration for the loan is the value and condition of the vehicle.

23. Informal Lending Informal financing typically consists of small, unsecured, short term loans restricted to rural areas, agricultural contracts, households, individuals or small entrepreneurial ventures. Informal financial institutions rely on relationships and reputation and can more efficiently monitor and enforce repayment from a class of firms than comme- -rcial banks and similar formal financial institutions can… By informal financial institutions, we refer to the entire gamut of non-market institutions such as credit cooperatives, moneylenders, etc.

24. Peer to Peer Lending Peer-to-Peer lending and social lending is, in its broadest sense, the name given to a certain breed of financial transaction (primarily lending & borrowing, though other more complicated transactions can be facilitated) which occurs directly between individuals ("peers") without the intermediation/participation of a traditional financial institution. Lending is a form of Person to Person Lending which involves intra-group many-to-one or one-to-many credit structures

26. Risk management is moved to the institutions

28. THANK YOU …

29. Rough Slide (Credit Card) What: A credit card is the system of payment. To borrow money or buy products and services on credit. Who: Bank of America, JP Morgan Chase, Citigroup (which jointly controlled 60% of total credit Card payment as of 2003) & Credit Union. When: Beginning in 1910 previously and In 1949 launch of “Diner’s Club”. Where: Previously initiated by some merchant and after that Diner’s Club allowed cards to be used at multiple retailer. How: Credit cards are issued after an account has been approved by the credit provider, after which cardholders can use it to make purchases atmerchants accepting that card. When a purchase is made, the credit card user agrees to pay the card issuer. The cardholder indicates consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a personal identification number (PIN). Interest Charges For example, if a user had a $1,000 transaction and repaid it in full within this grace period, there would be no interest charged. If, however, even $1.00 of the total amount remained unpaid, interest would be charged on the $1,000 from the date of purchase until the payment is received.

30. Rough Slide (Bank Overdraft) Authorised overdraftYou arrange this with your bank in advance and agree a limit up to which you can borrow. The money is drawn from your current account. There is no minimum repayment and you can take the money up to your overdraft limit using any of your usual withdrawal methods. Unauthorised overdraftThis is where you haven’t agreed an overdraft facility with your bank and have drawn more money out than you have in your account, or if you have taken out more than your authorised overdraft's limit. You will pay extra charges if you do this and these can build up.

31. Rough Slide (Personal Loan) Secured loanThis means that you have to have an asset, for example a home or car that the loan can be secured to. So, if you can’t repay the loan, the lender can sell your asset to get its money back. You may be charged less interest on a secured loan but there may be extra fees. Unsecured loanThe lender doesn’t require that your home or car is used to guarantee the loan, but legally you must still repay the loan. The lender can take court action against you to get its money back, and this could mean you losing your home.

32. Rough Slide (Informal Lending) we will use the term ‘informal finance’ exclusively to characterize the lender-borrower relationship between friends and relatives and for the most part we will use the terms friends and relatives interchangeably. But we also believe that using the term ‘informal lending’ is disingenuous to what in fact lending amongst friends truly represents.