Meet the Team.
Madhavan Ramaswamy is an expert in international banking, including global regulatory issues, and is based in New York and Chennai (India). He retired in May 2017 as Advisor, Correspondent Banking for Standard Chartered Bank in New York. Prior to taking on this role, he was the Managing Director and Head of Correspondent Banking for the bank, based in Singapore. He was responsible for managing transaction banking products and services to Banks worldwide, including payments and collections, liquidity management and trade finance. Madhavan moved to Standard Chartered Bank following the acquisition of American Express Bank in 2008. He worked with American Express Bank for over 18 years where his last assignment was in New York as Executive Director and Global Head of Product Management for the FI business. Prior to joining American Express Bank, Madhavan worked with State Bank of India for 15 years. Madhavan graduated from Calcutta University in Advanced Accounting and is an associate of the Indian Institute of Bankers.
Bitcoin is not a company. Therefore it doesn’t have profit incentives. Where as big banks are commonly susceptible to human error and greed.
Bitcoin facilitates global payments, and it’s a more secure storage of wealth. Significantly reducing transaction cost.
Bitcoin doesn’t have infrastructure limitations and it can be sent or received on any internet connected device, at anytime.
Accepting cryptocurrency would provide positive press and would be a tactic to separate yourself from your competition.
You can't completely get rid of risks in life. The risks you avoid today expose you to a new set of risks.
The best you can do is "choose your risks wisely and calculatingly"
Choose only risks that the rewards far outweigh the consequences.
Follow @fintelcoach for more Financial Intelligence tips
Meet the Team.
Sumit has many years of experience as a financial institutions segment specialist and in trade finance and international payment sales, having worked in India, USA and the UAE for American Express Bank. Recently, he was a Managing Director in Deutsche Bank, covering institutions in Middle East and Africa. Sumit first worked briefly with Price Waterhouse on software evaluation and management consultancy projects before moving to banking, where he developed extensive experience in e-Products, primary and secondary trade finance, asset distribution, international payments and cash management. He has covered the markets of Asia, North America, Middle East and Africa, attended banking industry events regularly and is connected to financial institutions all over the world. Sumit holds an MBA in Finance and a Master’s degree in International Management from the University of Texas at Dallas.
Meet the Team.
Lakshmanan is a proven leader in Risk Controls, Compliance, Reengineering and System Implementation and a career Banker with decades of Banking experience specializing in Trade Finance, Outsourcing, Retail and Wholesale Operations. His last job was DGM and Head of Operations & Trade Finance with Commercial Bank of Dubai and similar roles at National Bank of Fujairah in Dubai and BNP Paribas & Canara Bank in New Delhi. Lakshmanan is networked globally with international and global banks and is very well known in the trade finance world. Lakshmanan has a B.Com degree and PG Diplomas in Marketing and Export Management, also CAIIB, CDCS. He was Head of ICC UAE Banking Commission and Regional Chair of ICC Banking Commission, Paris, Member of GTR MENA Editorial Board, Vice Chair, Middle East Advisory Council of International Institute of Banking Law & Practice, USA, Country Correspondent - UAE, LC Monitor.
Stocks and Shares 🗽⚖️💵💶💷
Probably one of the most exciting and glamorous areas of finance is Stocks and Shares also known as equities. They also probably have the worst reputation due to market crashes and people’s fear of losing money. The fear is real, this area is a riskier asset class than other investment routes but at the same time a well advised and balanced approach can bring amazing returns for investors.
What are equities?🤔
Equities (or Shares) are like tiny fractions of a company. If you own one, you own a little bit of the company and a proportion of the company’s value. -
How do you make money from Shares?💰
There are two ways of getting money from shares of a company:
If the company grows and becomes more valuable, the share is worth more – so your investment is worth more too and some shares pay you part of the company’s profits each year, called a dividend. The price of a share will go up or down if people change their minds about how well the company is performing, or about the economic conditions it operates in. If a share price falls then the value of your investment falls as well. -
However shares have historically provided better returns over the longer term compared to the other main asset classes: property, cash or bonds. If you’re a well diversified investor and able to invest for more than five years, you can keep risk down, and you will have a chance of brilliant returns and enjoy the excitement that this area can bring!🤗
For more information please contact @gandrlifestyleconsultants
Dit is Marisa! Junior Finance Consultant bij BAS. Marisa is net afgestudeerd aan de opleiding Bedrijfseconomie, ze heeft de ambitie om te groeien binnen de Finance, door een diversiteit aan projecten en klanten hoopt zij zich in een sneltreinvaart te ontwikkelen!
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We take private or commercial Vehicles from individuals and manage them on behalf of owners.We have professional, and experience drivers and bikers who will take good care of your Vehicle ,tricycle or motorbike for you.Start your Transport business with no Stress
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“A bad soldier is one that does not strive to become a general.”
“We were one of the wealthiest families in the Russian city where I grew up. But we had to leave due to my father’s connection to the criminal underworld. He eventually disagreed with them so they gave him a choice: get out of Russia or we’ll kill you. He settled in Sydney, Australia and we followed a year later.
For the first couple of years we lived in the Barracks, Campbelltown, supported by a charity. I didn’t go on school excursions because we didn’t have enough money for other clothes; I only had the school uniform.
My father saved enough to send me to university to get a degree in Finance. I then took a chance..."
Read more about Sergei Sergienko, Founder and General Manager of Edway Training & CEO at Chronobank - full story now at:
(Originally featured in our limited edition custom publication ‘The Spark - Volume One’)
"The human species, according to the best theory I can form of it, is composed of two distinct races, the men who borrow and the men who lend".we bring the two together... #samboadmicrocredit#samboadgh