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Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. ADVERTISEMENTS: In the context of economic liberalisation and growing trend towards globalisation (external liberalisation), various banking sector reforms have been introduced in India to improve the operation efficiency and upgrade the health and financial soundness of banks so that Indian banks can meet internationally accepted standards of performance. In marketing, a product is an object, or system, or service made available for consumer use as of the consumer demand; it is anything that can be offered to a market to satisfy the desire or need of a customer. Customers are now demanding new, more convenient, delivery systems, and services such as Internet banking have a dual role to the customer. Issue 5 2004. 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