...Bank Report Name: Nguyen Tran Bank 14 Business Bank Our primary goal obviously is to maximize shareholder’s wealth or in this case, to maximize our bank’s stock price. In addition, we also aim to compete with other business banks from all three cities (New York, Denver, Seattle) in terms of efficiency and profitability. We are looking at no less than the best business bank all around and we will give our best to achieve it. Quarter 0 As a business bank, our strategy is commercial-oriented which means we focus more on accepting deposits from and issuing loans to businesses/organizations rather than individuals. However, after looking at the balance sheet, we notice that Securities and Commercial loans are significantly higher than all other loans. We feel that is a bit risky and we would like to diversify our assets portfolio, which is to increase on other loans. Since Consumer loans and Home Equity loans yield the most return from the “Average Asset Yield” chart, we decided to lower Consumer loans rate from 11.01% to 9.01% and Home Equity loans rate from 8.65% to 8.01% to make more loans to the consumers’ market segment. In order to finance an increased demand on loans, we will need more deposits which should be achieved by increasing the Checking Deposits rate from 1.05% to 1.5%, Savings Deposits rate from 2.96% to 3.5%, 1 Year TDs rate from 5.16% to 5.45% and 6 Month CDs rate from 5.2% to 5.5%. Those are all the changes we would like to make for the first quarter as we...
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...ABSTRACT This report deals with “internet banking” Its scope, advantages and background ACKNOWLEDGEMENT First of all we owe dear Almighty Allah who gave us strength, knowledge and tenacity to undertake and successfully complete the report. For help in preparation of this report we also extend our gratitude to, Sir Khalid Jamil Ansari who was very cooperative, benevolent and relent throughout. In the absence of his guide lines which were very help full without it we won’t be able to prepare such a report which now is shaped as an ostensible report. Initially this report writing assignment was appeared as an arduous hindrance but the confidence he showed and the way he motivate us develop perk in us and we are finally able to complete this initially abstruse looking assignment. 1. INTRODUCTION Web Banking or Internet Banking is a term used to describe banking transactions that are performed via a secured Internet application. Web Banking transactions include such things as paying bills, transferring funds, viewing account statements and paying down loans and mortgages. Although Web Banking has been popular among young Internet-savvy people for many years, its popularity is expected to grow rapidly as Internet usage grows internationally and people discover the many advantages that it provides. Web-Banking.org provides an overview of Internet Banking. It discusses conventional and virtual banks, e-banking services, Internet security and the cost/benefit considerations...
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...Policy rates and reserve ratios |Policy Rates, Reserve Ratios, Lending and Deposit Rates as of July 15, 2014 | |Bank Rate |9.00% | |Repo Rate |8.00% | |Reverse Repo Rate |7.00% | |Cash Reserve Ratio (CRR) |4% | |Statutory Liquidity Ratio (SLR) |22.00% | |Base Rate |10.00%–10.25% | |Savings Deposit Rate |4% | |Term Deposit Rate |8.00%–9.5% | Bank rate RBI lends (no collateral required for long term lendings) to the commercial banks through its discount window to help the banks meet depositor’s demands and reserve requirements for long term. The interest rate the RBI charges the banks for this purpose...
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...300 Almost half of Americans use online banking and the statistic is growing. Banking is even going mobile. There are multiple banking applications available for smartphone users. If there’s not an “app” for your banking needs then there’s a strong possibility that your bank has a mobile version of their site making mobile banking easier than ever. How is internet/smart phone banking possible? The answer lies within the application and implementation of management information systems. These information systems contain components that work together to provide information. With the technology available today, banks have basically taken their information systems and expanded them to management information systems. Essentially using the data they already have but using it in a way to achieve business goals, such as the convenience of online banking. Before internet banking customers were forced to bank during the bank’s limited business hours, often time, banks opened after you were at work and would be closed by the time you got off work. Additionally, customers were forced to wait in excruciatingly long lines during peak business hours in order to handle their financial needs. Customers would have to endure all of that just to check the balances of their accounts. In order to better serve customers and their needs, internet banking was implemented. In the beginning, internet banking was extremely limited. Customers could check their balances and possibly...
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...UNIVERSITY OF GREENWICH REFLECTIVE REPORT Dissertation Topic: The impact of services training on front-line staff’s performance: A case study of Southern Bank Instructor: Student name: Student ID: Phung Minh Duc Nguyen Xuan Oanh 000812245 Submission date: 25th August, 2014 REPORT Nguyen Xuan Oanh – 000812245 – BM097 Page 2 REPORT REFLECTIVE REPORT It can be noticed that conducting a dissertation provides a chance for students to research extensively and complete their own original work. From my point of view, it is designed to enable me to acquire all the insights and knowledge regarding to the training and development function as well as develop analytical, writing and judgmental skills. To be successfully producing the dissertation, I have to express skills in respect of critically assessing published information, demonstrating arguments and analyzing primary data to present a structured evaluation of a chosen research topic. Thus, the dissertation can be considered as the mechanism that allow me to gain valuable experiences in synthesizing theory, published studies, constructing methodological approaches, the proper selection and application of various methods, and analysis. I personally think that every aspect of the study has brought to me different and challenging experiences. Some sections of the research had been simple and interesting whereas others which I went through with much difficulties. To begin with, the first challenge is choosing...
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...Swot banking The rise of retail lending in emerging economies like India has been of recent origin. Asia Pacific’s vast population, combined with high savings rates, explosive economic growth, and underdeveloped retail banking services, provide the most significant growth opportunities for banks. Banks will have to serve the retail banking segment effectively in order to utilize the growth opportunity. Banking strategies are presently undergoing various transformations, as the overall scenario has changed over the last couple of years. Till the recent past, most of the banks had adopted fierce costcutting measures to sustain their competitiveness. This strategy however has become obsolete in the new light of immense growth opportunities for banking industry. Most bankers are now confident about their high performance in terms of organic growth and in realising high returns. Nowadays, the growth strategies of banks revolve around customer satisfaction. Improved customer relationship management can only lead to fulfilment of long-term, as well as, short-term objectives of the bankers. This requires, efficient and accurate customer database management and development of well-trained sales force to develop and sustain long-term profitable customer relationship. The banking system in India is significantly different from that of the other Asian nations, because of the country’s unique geographic, social, and economic characteristics. Though the sector opened up quite...
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...BLUE BOOK SERVICES 845 E. GENEVA ROAD CAROL STREAM, IL 60188 Phone 630 668-3500 FAX 630 668-0303 Email info@bluebookservices.com Web Site www.bluebookservices.com BLUE BOOK SERVICES Business Report on Santos Produce of America, Inc. *SAMPLE* Information available through 7/01/2014 © Blue Book Services, Inc. This COMPLETE BUSINESS REPORT is provided to the subscriber under the terms of the Membership Agreement and is IN CONFIDENCE, for the subscriber’s exclusive use, without recourse and without guarantee of correctness. Trade experience information may include disputed items, skipped invoices or other extenuating circumstances. This SAMPLE Business Report mimics the Blue Book Business Report. The Guest Reports show a sub-set of this report depending upon the level of report purchased (Blue Book Scores and Equifax information are available only to Members). BB #987654 Santos Produce of America, Inc. P.O. Box 12345 Laredo, TX 78041 USA 2876 Waterfall Dr. Dallas, TX 75201 Phone: 956 555-9878 Fax: 956 555-1619 info@santosproduceofamer.net www.santosproduceofamer.net Credit Snapshot: Current HQ Rating: Current Blue Book Score: Last Financial Statement Date: Net Worth: Avg Integrity/Ability (‘X’) Reports: (past 6 months) 2500M XXXX A 868 12/31/2013 $8,670,144 3.99 (Industry Avg: 3.43) (scale: 1=poor, 4=excellent) Business Snapshot: Incorporation Date: Incorporated In: PACA License Number: March 6, 1986 Texas 123456 Business Ownership: Richard L. Santos...
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...ICB Independent Commission on Banking Final Report Recommendations September 2011 ICB Independent Commission on Banking Final Report Recommendations September 2011 Official versions of this document are printed on 100% recycled paper. When you have finished with it please recycle it again. If using an electronic version of the document, please consider the environment and only print the pages which you need and recycle them when you have finished. © Crown copyright 2011 You may re-use this information (excluding logos) free of charge in any format or medium, under the terms of the Open Government Licence. To view this licence, visit www.nationalarchives.gov.uk/doc/open-governmentlicence/ or e-mail: psi@nationalarchives.gsi.gov.uk. Where we have identified any third party copyright information you will need to obtain permission from the copyright holders concerned. Any enquiries regarding this publication should be sent to: Independent Commission on Banking Victoria House Southampton Row London WC1B 4AD This document is also available from our website at http://bankingcommission.independent.gov.uk/ ISBN 978-1-845-32-829-0 Produced by the Domarn Group, London. Final Report Contents Contents ...................................................................................................................... 1 List of acronyms .........................................................................................
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...Internship Report: HRMP in Standard Chartered Bank Abstract According to the universalistic perspective, organizations from different sectors, across industries, and through different time periods should use a series of select human resource management practices (HRMP). The main principle of this paper is to investgate whether i there is any relationship between HRMPs and organizational performance, regarding Standard Chartered Bank in Bangladesh. This study aims to investigate the relationship of training, employee participation, and selection with perceived organiz ational performance in the context of Standard Chartered Bank in Bangladesh. This study is co -relational in nature and it will examine the correlation among these variables. A single set of sample will be considered for this study and that will be the employees of Standard Chartered Bank. A set of structured questionnaire will be distributed among 200 respondents. Regression analysis will be conducted for the purpose of data analysis. -1- Internship Report: HRMP in Standard Chartered Bank Origin of the Report The BBA internship program is a mandatory requirement for the students who are graduating from the BBA program under the School of Business of North South University, Bangladesh. In the internship program, I was attached to a host organization named µStandard Chartered Bank¶ for 12 weeks. During this period I learned how the host organization works with the help of the internal supervisor....
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...country’s GDP in recent years. Banking sector is holding the leading position in order to take the GDP’s leader board of the table among the service industries. Last year Banking sector have contributed 48% of the country’s total GDP which is the clear indicator of pick position holder of the table. That rapid growth of the Banking service industry influenced a lot of people to involve their career in multiple sector of banking industry directly. So this is the perfect beginning t report the modern banking service in Bangladesh by South East Bank Limited where I have witnesses their performance growth in banking sector as an intern. Banking plays an important role in the economy of any country. In Bangladesh Muslim consist more than 80% of its population. These people possess strong faith on Allah and they want to lead their lives as per the construction given in the holy Quran and the way shown by the prophet Hazrat Mohammad (sm).But on Islamic banking system was developed here up to 1983.The traditional banking is fully based on interest it is commonly meant as commercial banks. But interest is absolutely prohibited by Islam. The main aim of traditional banking is to earn profit by borrowing and lending money in exchange of interest. As a result there is an unfair competition among the bankers and among the customers. The major objective of this report is to analysis Evaluate the Customer Service of The Southeast Bank Limited. General objectives of this reports are to Identify the statistical...
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...as well as the most respected bank in Nigeria (ZenithBank.com). Since 1990, Zenith Bank has operated in Nigeria and now operates in five other African countries in addition to the United Kingdom. It offers varied financial services such as current account, savings, commercial letter of credit, credit cards, mortgage, loan,investment banking and other financial products and services (ZenithBank.com). For several years, Zenith Bank has consistently announced profits from its wide ranging operations as a result of the growing opportunity offered by the Nigerian market. Nigeria is a nation of 150 million people with less than 50% bankable population as of 2000 (CBN, 2010). In 2010, over 65% of the population have become customers to one bank or another, thus presenting a growth opportunity for financial institutions such as Zenith (naijalowa.com). While the Nigerian market holds tremendous opportunity for existing operators like Zenith, the financial industry in the country is driven by a range of macro-economic factors which holds both positive and negative implications for the activities of the companies. However, the main purpose of this report is to develop a new financial product for...
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...Internship Report Presented in Partial Fulfilment of the Requirement for the Degree Bachelor of Business Administration (BBA) INDEPENDENT UNIVERSITY, BANGLADESH September 2012 Social Islami Bank Limited Page 1 Capital Adequacy of Social Islami Bank Limited By Abdur Rahman Shible ID: 0720529 Has Been Approved September 2012 ______________________ Mr. Abdullah Al Aabed Lecturer School of Business Independent University, Bangladesh. September 6, 2012 Social Islami Bank Limited Page 2 LETTER OF TRANSMITTAL Date: 6th September, 2012 Mr. Abdullah Al Aabed Lecturer School Of Business Independent University, Bangladesh Subject: Submission of Internship Report Dear Sir, I am hereby submitting my Internship Report, which is a part of the BBA Program curriculum. It is a great achievement to work under your active supervision. This advance working report is based on Capital adequacy of Social Islami bank Limited. I have got the opportunity to work in Social Islami Bank Limited for twelve weeks, under the supervision of Mr. Fazle Rabbi Talukder (Assistant Officer). This project gave me both academic and practical exposures. First of all I learned about the organizational culture of a prominent bank of the country. Secondly, the project gave me the opportunity to develop a network with the corporate environment. I shall be highly obliged if you are kind enough to receive this report and provide your valuable judgment. It would be my immense pleasure if you find this report useful and...
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...Understanding customer behavior in retail banking The impact of the credit crisis across Europe February 2010 Contents Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Executive summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Key findings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 The impact on trust . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Loyalty: the end of an era? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Reasons customers look elsewhere Measuring satisfaction Conclusion 8 How Ernst & Young can help . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Contacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 Introduction ...
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...www.hemonline.com BROKING | DEPOSITORY | DISTRIBUTION | FINANCIAL ADVISORY OUTLOOK 2009: PREFERRED SECTORS AND COMPANIES FOR INSTITUTIONAL CLIENTS Analyst: ANKIT KHAITAN akhaitan@hemonline.com www.hemonline.com BROKING | DEPOSITORY | DISTRIBUTION | FINANCIAL ADVISORY INDEX INDIAN ECONOMY - 01 BANKING INDUSTRY OVERVIEW RECENT NEWS PRODUCTS & SERVICES ARE INDIAN BANKS SAFE??? GRAPHICAL PRESETATION RBI STEPS TO FIGHT AGAINST LIQUIDITY CRUNCH ANALYSIS OF BANKING SECTOR A) CRAMELS STRATEGY B) PORTER'S FIVE FORCES MODEL C) PEST ANALYSIS D) SWOT ANALYSIS GROWTH PROSPECT & MARKET OPPORTUNITIES THINGS TO WATCH & KEY TAKEAWAYS - 02 - 03 - 04 - 05 - 06 - 07 - 08 - 09 - 10 -11 - 12 - 13 - 14 - 15 - 16 - 17 - 18 - 19 - 20 - 21 - 22 - 23 - 24 - 25 - 27 - 28 - 29 - 30 - 31 - 32 - 34 - 36 - 38 - 40 - 42 - 44 - 46 - 48 - 50 - 52 - 54 TELECOM INDUSTRY OVERVIEW RECENT UPDATES ALL ABOUT TELECOM INDUSTRY SEGMENTS GOVERNMENT REGULATIONS ALL ABOUT ‘3RD GENERATION TECHNOLOGY (3G)’ FUTURE OF INDIAN TELECOM INDUSTRY ANALYSIS OF TELECOM SECTOR A) PORTER'S FIVE FORCES MODEL B) SWOT ANALYSIS & KEY TAKEAWAYS WHAT’S ROAD AHEAD FMCG INDUSTRY OVERVIEW INDUSTRY CATEGORY AND PRODUCTS GROWTH PROSPECT GOVERNMENT INITATIVE MARKET OPPORTUNITIES ANALYSIS OF FMCG SECTOR A) PORTER'S FIVE FORCES MODEL B) SWOT ANALYSIS & KEY TAKEAWAYS COMPANIES BHARTI AIRTEL LIMITED RELIANCE COMMUNICATION HDFC BANK STATE BANK OF INDIA UNION BANK OF INDIA AXIS BANK LIMITED PUNJAB NATIONAL BANK HINDUSTAN...
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...an Internship Report ON Relationship Marketing Practices By The Banking Industry of Bangladesh: A Study on EXIM Bank SUBMITTED TO: Mohammad Nazmul Huq Assistant Professor Assistant Superintendent of Examination Department of Business Administration (Marketing) Stamford University Bangladesh SUBMITTED BY: H.M Jahirul Islam BBA 41st, Batch ID # BBA 041 13138 Major: Marketing Letter of Transmittal Date: December 2, 2013. Mohammad Nazmul Huq Assistant Professor Assistant Superintendent of Examination Department of Business Administration (Marketing) Stamford University Bangladesh Subject: Permission for the Submission of Internship Report Dear Sir, With due respect, gratitude and appreciation, I would like to present this Internship Report “Relationship Marketing Practices By The Banking Industry of Bangladesh: A Study on EXIM Bank”. As a partial fulfillment of internship report for my BBA degree at Stamford University, Bangladesh. The project work gave me the opportunity to put my socio-professional capacity to the test under several circumstances and to solve challenges associated with my academic world and work. I have used three kinds of methods to gather information to do the competitive analysis. The methods include documentation, interview and direct observation. In the analysis both primary and secondary data were used. For your kind consideration I would like to mention that there might be some errors and mistakes due to limitations of my knowledge level. I...
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