...MARKETING PROJECT BANK – GROUP 3 LAUNCH OF SME LIABILITIES IN QATAR This report provides the details on Launch of SME liabilities in Qatar A SWOT analysis has been provided to identify immediate action items. STP analysis on launch of the product A marketing plan devised from the 7Ps is outlined in this report to provide a practical and feasible way to launch the product in Qatar. Numerical targets and qualitative targets are stated clearly as objectives. Sales Plan Revenue and Pay back analysis 2 EXECUTIVE SUMMARY Strengths * Well known brand name in local market * Great SME experience in UAE market * Well established SME asset to back launch of liabilities Weakness * Limitation in terms of distribution network – 4 branches. * Not been fully able to position itself correctly – More known for Retail. * Technologically weak in terms of alternative channels. S.W.O.T Opportunities * Leverage UAE Technology for differentiation and cost reduction. * Launch suite of products to meet E2E requirement of SME clients Threat * Local & government banks hold 80% of the market share. * Lower margins on liabilities * Back office support from UAE ‐ * 40% growth expected in SME sector Slower TATs will adversely effect in next 3 years. customer experience. 3 SEGMENTATION TARGETING POSITIONING 4 SEGMENTATION Geographic Demographic Psychographic • Different industrial areas of Qatar where SMEs are highly based. • SE customers ageing 35‐60 years of age...
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...P.O. Box KS 470 Kumasi 29th January, 2013 Dear Sir/Madam APPLICATION FOR EMPLOYMENT AS SME SALES AND ENTERPRISE SERVICES MANAGER I am a young man and a Ghanaian by birth. I wish to apply for employment as SME Sales and Enterprises Services Manager in your reputable institution; I hold Bachelor of Management Studies degree from University of Cape Coast. I have enormous experience in sales and human relationship/customer care. I have the desire to improve and maintain a strong customer service and relationships over a longer term. Constant and regular market survey to discover potential customers with current quotations gives me both comparative and absolute advantage to work with your organization. . I want to be part of a team to meet new challenges in a competitive market and develop the necessary skills and training to deliver quality service, Please find attached my resume for your attention. Counting on your co-operation. Yours faithfully, ………………… (Felix Oppong Gyamfi) FELIX OPPONG GYAMFI Phone +233 (0)243 960241 E-mail Felixopponggyamfi@yahoo.com Language Spoken: English and Twi Personal Details SEX : MALE DATE OF BIRTH : 3RD APRIL 1984 ...
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...“THE GENERAL BANKING FUNCTION” Undergone at “RAJKOT PEOPLES CO – OPERATIVE BANK LTD.” Prepared by: KAJAL A. PARMAR M.B.A 3RD SEM. Guided by: Pro. Dr. Parul Chotalia Submitted to: SAURASHTRA UNIVERSITY, RAJKOT [pic] T.N.RAO COLLEGE OF MANAGEMENT STUDIES RAJKOT- 360 005. DECLARATION I, Miss KAJAL A. PARMAR, studying in MBA (Sem. III ) of T.N.Rao College Of Management Studies, Rajkot hereby declare that I have completed this project in the academic year 2008-10 as per the requirements of the SAURASTRA UNIVERSITY as a part of curriculum of MASTER IN BUSINESS ADMINISTRATION (MBA) program. I assure you that Project work has not been presented to any university or institute towards the degree/diploma fellowship or any other similar title. Place: Rajkot Date: KAJAL A. PARMAR PREFACE As a part of M.B.A. Third Semester we are to visit an industry/service sector for a practical training i.e. we are to make a detail study on the working of its different departments and general information about the units and prepare a report on it. Banks are regarded as the blood of the nation’s economy without them one cannot imagine economy moving. Therefore banks should be operated very efficiently, co-operative banks although a small part of whole banking system in India, but they are very important not only...
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...types is called ________. A. positioning C. market segmentation B. product marketing D. demographic variance 32. ________ are goals that producers hope to attain in pricing products. A. Profit targets C. Pricing objectives B. Pricing targets D. Returns on investment 33. Which of the following is usually associated with odd-even pricing? A. price lining C. market pricing B. price fixing D. psychological pricing 34. The study of the decision process by which customers come to purchase and consume products is called ________. A. marketing C. consumer behaviour B. segmentation D. resource management 35. A(n) ________ is a salaried accountant hired by a business to carry out its day-to-day financial activities. A. auditor C. public accountant B. advisor D. private accountant 37. The financial statement detailing a firm's assets, liabilities, and owners' equity is the ______. A. balance sheet C. statement of cash flow B. income statement D. manufacturing statement 38. At ________, all depositors are considered to be owners of the institution. A. commercial banks C. downtown major banks B. mutual savings banks D. savings and loan associations 39. Which of the following is NOT normally a function of an investment bank? A. underwriting B. advising companies on timing of new issues ...
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...analysis………………………………………………………………………………6 Marketing strategy………………………………………………………………………………...7 Human Resource Requirements…………………………………………………………………...9 Startup Costs…………………………………………………….……………………………….10 Sales and Financial Projections………………………………………………………………….12 Recommendations………………………………………………………………………………..18 Conclusions………………………………………………………………………………………19 References………………………………………………………………………………………..20 Executive Summary The business name is Nice Audio Headphones Inc. and it will be located in Louisiana, New Orleans in the East Coast of the United States. Its key activities will be marketing and provision of audio products, which entails the provision of audio devices for customers to use in mp3 players, smartphones, laptops and tablets among others. Being a technology industry, the business will be registered by the United States’ Registration Authority; RA, which regulates products from companies. Nice Audio Headphones Inc. will be facing stiff competition (hyper competition) from other established businesses which offer audio products since the technology industry is quickly progressing as investors realize the countless benefits of the business. Like any other business entity, Nice Audio Headphones Inc. has got a mission statement and vision which states, “To suit every customer’s needs for quality, stereo and high class, headphones, through a healthy and efficient competition as well as pioneering production and marketing practices.” The company’s vision is to “to...
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...analysis………………………………………………………………………………6 Marketing strategy………………………………………………………………………………...7 Human Resource Requirements…………………………………………………………………...9 Startup Costs…………………………………………………….……………………………….10 Sales and Financial Projections………………………………………………………………….12 Recommendations………………………………………………………………………………..18 Conclusions………………………………………………………………………………………19 References………………………………………………………………………………………..20 Executive Summary The business name is Nice Audio Headphones Inc. and it will be located in Louisiana, New Orleans in the East Coast of the United States. Its key activities will be marketing and provision of audio products, which entails the provision of audio devices for customers to use in mp3 players, smartphones, laptops and tablets among others. Being a technology industry, the business will be registered by the United States’ Registration Authority; RA, which regulates products from companies. Nice Audio Headphones Inc. will be facing stiff competition (hyper competition) from other established businesses which offer audio products since the technology industry is quickly progressing as investors realize the countless benefits of the business. Like any other business entity, Nice Audio Headphones Inc. has got a mission statement and vision which states, “To suit every customer’s needs for quality, stereo and high class, headphones, through a healthy and efficient competition as well as pioneering production and marketing practices.” The company’s vision is to...
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...Joty Product and Ad Campaign For this next assignment I want you to create a product of your choice. You will be making everything that has to do with the product, from beginning to end. It can be a product that already exists, but with a new name, label, packaging, and advertisement. Although, I do prefer that you make a brand new product that does not exist because then it is all original. Brainstorming Ideas • Think like an inventor and think about solutions for the things that cause you problems on a daily basis. (For example: Drool catcher, Bed hair, Toe jam, Acne, etc.) • Think about your favorite products and how they can be made better • Think of your target audience (consumers) • How would you present your product? • What would it be made out of? • Who and how would they benefit from your product? Dieter Rams: 10 Principles for Good Design 1. Good design is innovative 2. Good design makes a product useful 3. Good design is aesthetic 4. Good design makes a product understandable 5. Good design is unobtrusive 6. Good design is honest 7. Good design is long-lasting 8. Good design is thorough, down to the last detail 9. Good design is environmentally-friendly 10. Good design is as little design as possible Requirements • Come up with a product that has an original name and slogan o Make a label and packaging for your product that has all of the essential information for the consumer (logo, slogan, product info). Make it look like a real You're...
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...BUSINESS PLAN FOR AHZATA POWER Business Plan for AHZATA POWER Submitted to: Faisal Ibne Wali (FSW) Course: Entrepreneurship Course Code: MGT 368 Section: 03 Submitted by: Sl. Name ID 1. Md. Ahsan Hossain Robin 102 0865 530 2. Zahin Sawar 111 0021 030 3. Taisim Uddin Tasrif 111 0394 030 4. Takbir Hossain Bhuiyan 111 0485 030 Date: 19-08-2013 Letter of Transmittal Mr.FaisalWali Faculty, School of Business, North South University. Dhaka. Subject: Letter of Transmittal. Dear Sir, With a great pleasure, we here submit the report entitled “Business Plan for AHZATA POWER.” This was done as a part of the requirements of the course, Entrepreneurship. To give a shape of this report we first collected the data and then analyzed the data. We collected data mainly from the secondary sources and then analyzed the data. After analyzing the data we went for our main business plan. We have done the record according to your specification. We will always be available for any supplementary interpretation or clarification that you may require. We sincerely hope that this report will live up to your expectation. With Best Regards: MD. AHSAN HOSSAIN ROBIN 1020865530 ZAHIN SARWAR 1110021030 TAISIM UDDIN TASRIF 1110394030 TAKBIR HOSSAIN BHUIYAN 1110485030 Acknowledgement First of all, our gratefulness goes to the Almighty Allah for making it possible to complete our report. Many people have helped...
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...proactive strategy to plan, lead, organize, and control the wide variety of risks that are rushed into the fabric of an organization„s daily and long-term functioning. Like it or not, risk has a say in the achievement of our goals and in the overall success of an organization. Present paper is to make an attempt to identify the risks faced by the banking industry and the process of risk management. This paper also examined the different techniques adopted by banking industry for risk management. To achieve the objectives of the study data has been collected from secondary sources i.e., from Books, journals and online publications, identified various risks faced by the banks, developed the process of risk management and analyzed different risk management techniques. Finally it can be concluded that the banks should take risk more consciously, anticipates adverse changes and hedges accordingly, it becomes a source of competitive advantage, and efficient management of the banking industry. KEYWORDS: Risk Management, Banking Sector, Credit risk, Market risk, Operating Risk, Gab Analysis, Value at Risk (VatR) _____________________________________________________________________________________ INTRODUCTION Risk is defined as anything that can create hindrances in the way of achievement of certain objectives. It can be because of either internal factors or external factors, depending upon the type of risk that exists within a particular situation. Exposure to that risk...
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...worth of the resources included in production so that customers perceive the product to be worth more than the cost of the inputs Advisor An external contact of a business that provides support and advice, sometimes for free Bank loan A fixed amount loan from a bank which is generally used to finance long-term assets Bank overdraft Borrowings from a bank on a current account which are payable on demand Breakeven point The point at which the total sales of a business equal total costs -i.e. the business is making neither a profit nor a loss Budget A detailed plan of income and expenses expected over a certain period of time Business plan A detailed description of a new or existing business, including the company’s strategy, aims and objectives, marketing & financial plan Business objective A stated goal or target of a business (note: a business can have more than one objective!) Cash flow The movements of cash into (“inflows”) and out of (“outflows”) a business Cash flow forecast A projection, usually by week or month, of the likely cash inflows and outflows in a business Contribution The difference between total sales and total variable costs Contribution per unit A key number for breakeven analysis: the difference between selling price per unit and variable cost per unit. Costs Amounts incurred by a business as a result of its trading operations Demand The amount of a product or service that customers are willing and able to pay at a given time Demographic ...
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...Charity Bank Attention: Lola Banks 435 Hopeful Lane Ozark, Arkansas 20034 Dear Mrs. Banks: I am writing to request a Line of Credit for Jonesville Candy Company. We need the loan to help with the current and future growth of the company. Jonesville Candy Company has been in business for three generations selling a variety of candy products. We have recently been successful growing our private label products. This particular product allows large customers to choose a product and have it packaged in specified packaging and shipped as directed to their customers or to customer for their sale. We would like to expand this opportunity for the company. I have evaluated our financial statements and prepared forecasts for the next five years which you will find enclosed. There are a few areas I would like to point out while you are reviewing the financial statements and forecasts. First, you will notice that we have significant assets with minimal liabilities. I have estimated an increase in sales of approximately three percent and an increase in operating expenses of approximately twenty-five percent while maintaining a cash balance of $112,500 per year. We also plan to start paying a dividend, which has never been done before. The dividends are estimated in the forecasts as $75,000 in the 2005 and $25,000 in the following four years. You will notice that our assets are significantly larger than our liabilities I have included a special marketing expense line...
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...of banking has always been a source of inspiration for me during my entire academic career. To work in a bank, to acquaint with its working mechanism was always a point of interest for me and God gave me a golden opportunity to complete my internship at UBL, one of the leading bank in Pakistan and well known in world due to its appearance in the international markets. I had a general idea about the banking, but once I practically started the internship in banking field I observed much about banking, I realized the importance and significance of commercial banking for the development of economy. To adjust myself in such a large commercial organization was not an easy task, but by the grace of Almighty Allah aid my internship in a befitting manner and I learned a lo about the overall banking arena. This expanded my vision about the banking sector, which in turn enabled me to make an appraisal of the economic situation of our country. This report is a thorough essence of my rigorous studies which I undergone through in a period of two months in a commercial bank. I have exclusively studied and observed the operations/ functioning of the bank and tried my best to abreast myself with all the dimensions of the banks. The purpose of this report is to evaluate the performance of UBL in diversified avenues and give concrete recommendation for further improvement. Although the bank is functioning satisfactory, but the path to ultimate success is still full of threats and hurdles. It was...
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...employees the opportunity to get acclimated to their positions and their role in the firm. What is included in employee personnel files: Evaluations, raises, disciplinary actions and commendations. Business Knowledge How does the US Wholesale Marketplace work? Distributors buy products from a manufacturer, then they sell the product to retailers. How do US savings accounts work? Interest can be earned on any money that is stored. Different banks pay different rates, and interest is also compounded differently from bank to bank. What is FDIC insurance and how does it work? The FDIC is a United States government agency that preserves confidence in banks by insuring money deposited into those banks (up to a certain point). What are CD’s (Certificates of Deposit)? These are certificates issued by banks to people who deposit money. What are IRA’s? This stands for Individual Retirement Account. It is a good way to save money for retirement due to the large tax breaks that are offered. Explain each of the following types of businesses: Manufacturing: Manufacturers use raw materials to make goods, and then they sell them to distributors. Wholesale: Wholesalers buy bulk amounts of products from manufacturers and sell them to retailers. Retail: Retailers sell directly to consumers. Explain the format....
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...In today’s world, creating, financing and marketing a business is very difficult to accomplish. After the global recession in 2008 the United States has found itself slowly climbing out of an economic disaster. President Barrack Obama, our new Commander In Chief, was sworn in on January 20, 2009 as the 44th President of the United States of America. Forming a new administration in a distraught economy was not good for a new president to take office, but Mr. Obama was already hard at heals creating policies to repair what the financial market had created. One of his policies he has fought to renew was the global financial crisis. In the aftermath President Obama’s stimulus plan has halted the recession and has slowly reversed its ill effects. Yet, after almost four years the economy is not growing as fast as it should. Hence, President Obama has introduced legislation to urge congress to expand tax cuts for existing small businesses and set aside funds for new ones. This topic is written to identify the pros and cons of the partnership as a form of ownership; the funding options for small businesses with examples of how managerial accounting can help managers with product costing; incremental analysis, and budgeting; the basic components of the marketing process; and the roles of social responsibility and technology in the marketing function. (According to the APA format, section headers needed to identify different sections of the paper.) (i.e. The Pros and Cons of Partnerships) ...
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...Chapter 4 pg 121-129 Franchising agreement: stipulates (specifies) the duties and responsibilities of the franchisee and the franchiser. Benefits of Franchising For the Franchiser ■ The franchiser can attain rapid growth for the chain by sign- ing up many franchisees in many different locations. ■ Franchisees share in the cost of advertising. ■ The franchiser benefits from the investment money provided by franchisees. ■ Advertising money is spent more efficiently (the franchiser teams up with local franchisees to advertise only in the local area). ■ The franchiser benefits because franchisees are motivated to work hard for themselves; the more revenue the franchisee generates, the more money the franchiser makes. ■ The franchiser is freed from all details of a local operation, which are handled by the franchisee. For the Franchisee ■ Franchisees own a small business that has access to big business management skills. ■ The franchisee does not have to build up a business from scratch. ■ Franchisee failure rates are lower than when starting one’s own business. ■ A well-advertised brand name comes with the franchise and the franchisee’s outlet is recognizable because it looks like all other outlets in the chain. ■ The franchiser may send the franchisee to a training...
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