...TD Canada Trust: Managing Customer Relationships November 18, 2014 ADMS 4255 Prof. Marius Dobre Burhanuddin Ameen Gaggan Sahota Nihal Ahmed Alvina Ali Siqi Sun TABLE OF CONTENTS EXECUTIVE SUMMARY ..............................................................................1 PROJECT OBJECTIVE ...............................................................................1 SITUATION ANALYSIS ...............................................................................1 FRAMEWORK .............................................................................................2 FINDINGS ....................................................................................................3 Exemplars ................................................................................................................... 3 Identify ...................................................................................................................... 3 Differentiate ............................................................................................................... 4 Interaction ..............................
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...Envision financial was created in 2001 through a merger of First Heritage Savings and Delta Credit Union. Envisions goal was to create a locally –responsive financial institution that would be a welcomed alternative to the big banks for people in the Fraser Valley. The company’s vision is to excel in member service, employee wellbeing, financial strength and corporate citizenship. In January of 2010 Envision Financial and Valley First Credit Union merged to become First West Credit Union. The parent credit union now has Envision Financial, Valley First Credit Union, Enderby Credit Union and Island Savings. All the acquired institutions still operate as their own entity but under the parent company First West Credit Union. First West Credit Union has a board of directors who is responsible for developing the organizational strategy and business plan. The board of directors at First West works closely with the leadership team who implements the organizational strategy. Throughout this report we will evaluate how First West Credit Unions organizational strategic impact the human resource strategy at Envision Financial and how strategic human resource planning is being utilized to ensure the long term success of the organization. Organizational Strategy & Human Resource Strategy Looking at the leadership team of First West Credit Union they have a President, vice-presidents of marketing, vice-president of services, CIO, CEO and CFO; however they clearly have no one on the...
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...Determinants of profitability of Non Bank Financial Institutions’ in a developing country: Evidence from Bangladesh Md. Sogir Hossain Khandoker* Associate Professor, Department of Finance Jagannath University, Dhaka 1100; & Ph.D fellow, Department of Business Administration Assam University, Silchar, India E-mail: sogir.nu@gmail.com Cell: +88 01190 47 6187 Professor Dr. R. K. Raul Dean, Department of Business Administration Assam University, Silchar, India E-mail: rkraul@yahoo.com S. M. Galibur Rahman BBA, Department of Finance, Jagannath University, Dhaka 1100 E-mail: galibju@gmail.com *Corresponding author Determinants of profitability of Non Bank Financial Institutions’ in a developing country: Evidence from Bangladesh Abstract This project examines the determinants of the profitability of firms in the Non Banking Financial Institution (NBFIs) industry of Bangladesh. Financial Performance of a financial institution basically depends on its some key financial determinants. Specially operating efficiency is main influencing factor which is calculated through operating income. Besides it capital Structure composite of equity and liability, operating expense, total asset significantly affect the profitability of any NBFI company. In addition term deposit also affects the profitability though that is statistically not significant. Different Statistical techniques such as correlation matrix, multiple regressions have been used to determine the relationships between...
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...demonstrates the capacity of going the ‘extra mile’ to meet them. ▪ Creating an environment that sustains and encourages high performance; motivating the teams in optimising contribution levels providing the requisite support for enabling them achieve targets successfully. CAREER FEATURES ORGANIZATION Pioneer Propertyzone India Services Pvt. Ltd Tenure Since June 2012 DESIGNATION Assistant Manager-Human Resources ⇨ Payroll Operation o End to end Payroll operation o Insure proper inputs such as Incentive, DOJ for new joinees etc in to Payroll system o Calculation of Income Tax and other statutory deduction o Preparation as well as payments of E.S.I.C., PF and PT, Income Tax Challans, MLWF etc o Prepare Bank Letters and ensure salary get credited to the employees account o Handled escalations regarding payroll ⇨ Attendance and Leave Management o Attendance and time administration o Muster checking of all branches o Monitor Attendance and Leave Management Systems o Leave management and administration of all...
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...A REPORT ON (A STUDY ON FINANCIAL PERFORMANCE OF ORIENTAL STRUCURAL ENGINEER’S PVT. LTD.) By: VISHAL (ORIENTAL STRUCTURAL ENGINEER’S PVT. LTD.) (Date: 2ND JUNE TO 31st JULY) A REPORT ON (A Study on Financial Performance of Oriental Structural Engineer’s Pvt. Ltd) By (Vishal) (PGDM) A report submitted in partial fulfillment of The requirements of PROGRAMME (2013-2015) Delhi school of Business-VIPS, Technical Campus Company Guide: C.A Anand Shukla Faculty Guide: Dr.Indira Bharadwaj Company Name: OSE Pvt. Ltd. College name: Delhi school of Business Designation: DGM-Finance Designation: Associate Professor, Finance DECLARATION I hereby declare that this project report “A STUDY ON FINANCIAL PERFORMANCE OF ORIENTAL STRUCTURAL ENGINEER’S PVT. LTD.” is my own work, to the best of my knowledge and belief. It contains no material previously published or written by another person nor material which to a substantial extent has been accepted for the award of any other degree or diploma of any other institute, except where due acknowledge has been made in the text. Name: Vishal Roll No.201301021 Date: 31-07-14 PGDM-2013-2015 CERTIFICATE This is to certify that...
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...the basis for municipal and county revenues, while sales taxand/or income tax are the basis for state revenues, and income tax and corporate tax are the basis for national revenues. ------------------------------------------------- History[edit] The financial crisis caused by the South Sea Bubble led to the presentation of the government budget under Sir Robert Walpole. Painting by Edward Matthew Ward. The practice of presenting budgets and fiscal policy to parliament was initiated by Sir Robert Walpole in his position as Chancellor of the Exchequer, in an attempt to restore the confidence of the public after the chaos unleashed by the collapse of the South Sea Bubble in 1720.[2] Thirteen years later, Walpole announced his fiscal plans to bring in an excise tax on the consumption of a variety of goods, such as wine and tobacco, and to lessen the taxation burden on the landed gentry. This provoked a wave of public outrage, including fierce denunciations from the Whig peer William Pulteney, who wrote a pamphlet entitled The budget opened, Or an answer to a pamphlet. Concerning the duties on wine and tobacco - the first time the word 'budget' was used in connection with the government's fiscal policies. The scheme was eventually...
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...PERFORMANCE OF BANKS IN NIGERIA CERTIFICATION I certify that this research work was carried out by MR ABOYARIN SALAMI TUNDE with Matriculation No.; 109025160 of the Department of Finance, Faculty of Business Administration, University of Lagos, Akoka, Lagos. __________________________ ______________ DR. LEKAN OBADEMI DATE _______________________ ____________ PROF. W. IYIEGBUNIWE DATE HOD DEPARTMENT OF FINANCE _______________________ ____________ EXTERNAL EXAMINER DATE DEDICATION This project work is dedicated to the Glory of ALMIGHTY ALLAH (SWT) to Him I say as always; ALHAMDULILAHI ROBIL ALAMIN!!! Special dedication also goes to the memory of my late father; Alhaji R.S.A Aboyarin. I pray his soul finds forgiveness and mercy before Allah (Amin. ACKNOWLEDGEMENT CHAPTER ONE 1.0: INTRODUCTION AND BACKGROUND TO THE STUDY Banks are germane to economic development through the financial services they provide. Their intermediation role can be said to be a catalyst for economic growth and development. The efficient and effective performance of the banking industry over time is an index of financial stability in any nation. The extent to which a bank extends credit to the public for productive activities accelerates the pace of a nation’s economic growth and its long-term sustainability. Amongst the various functions of banks, the credit function of banks enhances...
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...| ------------------------------------------------- Top of Form | | | | Language | | | | ------------------------------------------------- Top of Form | Bottom of Form | | | | | | * Tenders * Downloads * Income Tax Returns * Wealth Tax Return * Forms * Challans * International Taxation * Non Residents * Foreign Companies * Advance Rulings * Transfer Pricing * DTAA * Comprehensive agreements * Limited agreements * Other Agreements * Tax Information Exchange Agreement (TIEA) * Witholding Tax * Tax Law and Rules * Acts * Income Tax Act * Wealth Tax Act * Gift Tax Act * Expenditure Tax Act * Interest Tax Act * Finance Acts * Rules * Income Tax Rules * Wealth Tax Rules * Gift Tax Rules * Expenditure Tax Rules * Interest Tax Rules * Advance Ruling * ITAT Rules * Settlement Commission Rules * Circulars * Notifications * About Us * History of Direct Taxation * Vision, Mission, Values * Organisation and Functions * CBDT * Directorate Generals * Administration * Legal & Research * Systems * Vigilance * NADT * Exemptions * HRD * International Taxation ...
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...PART 1 Client background and financials This section of the audit case provides the following important information about Brant Animal Hospital Professional Corporation that you will need to complete the 2012 audit: History of the company History of the audit Prior-year auditor’s report and financial statements Significant accounting policies Client documents Note: Read Part 1, along with the procedures outlined in Part 2, before completing the tasks described in Part 3. History of Brant Animal Hospital Professional Corporation Brant Animal Hospital is a well-respected veterinary practice operating in Burlington Ontario. Brant opened its doors in 1985 as a satellite operation to an established veterinary practice, Tyandaga Animal Clinic in Aldershot. Ross Petersen and Elizabeth Shaw, the two founding veterinarians of Brant, were in partnership with two other veterinarians at Tyandaga Animal Clinic. They saw Brant as an opportunity to establish a new practice without risking their current operation by breaking into a new market, and hoped eventually to be able to practice full time from Brant Animal Hospital and sell their ownership in Tyandaga Animal Clinic. Unfortunately for Petersen and Shaw, their part-time efforts yielded part-time results. After five years, they were still unable to operate Brant Animal Hospital on a full-time basis. The operation could afford to have staff available only in the afternoons, equipment was underutilized, and stock was...
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...Dissertation Synopsis | Topic: To identify Leadership Style and its influence on Team Effectiveness | 11/15/2013 INTRODUCTION LEADERSHIP Leadership style is the manner and the approach of providing direction implementing plans and motivating people.Leadership is just more than science;it is an art as well. The art of leadership varies from leader to leader. Different situations call for different kind of leadership styles. Kurt Lewin led a group of researchers to identify three major styles of leadership. They are: * Authoritarian or Autocratic * Participative or Democratic * Delegative or Free Reign Although effective leaders use all three styles, with one of them normally dominant, most leaders tend to stick with a one style. Some leaders are very task- oriented; they simply want to get things done. Others are very people oriented; they want people to be happy. And others are a combination of two. If you prefer to lead by setting and enforcing tight schedules, you tend to be more production oriented(or task oriented). If you make people your priority and try to accommodate employee needs, then you are more people oriented. TEAM EFFECTIVENESS The other dimension to the study is team effectiveness. According to the team effectiveness model, the following are the factors that affect team effectiveness. Teams can continuously improve their effectiveness by focussing on improving their functioning in five key areas – goals, roles, procedures, relationships...
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...Foreign exchange reserves touched highest ever level of about 350 billion US dollars. Despite increased devolution to States by 55% as a result of the 14th Finance Commission award, plan expenditure increased at RE stage in 2015-16 – in contrast to earlier years. ROADMAP & PRIORITIES 'Transform India' to have a significant impact on economy and lives of people. Government to focus on – ensuring macro-economic stability and prudent fiscal management. boosting on domestic demand continuing with the pace of economic reforms and policy initiatives to change the lives of our people for the better. Focus on enhancing expenditure in priority areas of - farm and rural sector, social sector, infrastructure sector employment generation and recapitalisation of the banks. Focus on Vulnerable sections through: 1. Pradhan Mantri Fasal Bima Yojana 2. New health insurance scheme to protect against hospitalisation expenditure 3. facility of cooking gas connection for BPL families FISCAL DISCIPLINE Fiscal deficit in RE 2015-16 and BE 2016-17 retained at 3.9% and 3.5%. Revenue Deficit target from 2.8% to 2.5% in RE 2015-16 Total expenditure projected at Rs. 19.78 lakh crore Plan expenditure pegged at Rs. 5.50 lakh crore under Plan, increase of 15.3% Non-Plan expenditure kept at Rs. 14.28 lakh crores 2/29/2016 Downloaded from www.exampundit.in 1 Budget 16-17 Tax & Cess: Surcharge levied at...
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...Outline of Modernization Plan (2011-2016) National Board of Revenue (NBR) 1 Table of Contents Executive Summary 1. NBR Modernization Plan 1 5 2. Progress made by NBR in implementing the Plan 3. Indicative timeline 24 25 2 Executive Summary The National Board of Revenue (NBR), as the central authority of tax policy and administration in Bangladesh, plays a critical part in the development of the country. During the current fiscal year (FY 2010-11), NBR is expected to collect Taka 75,600 crore, providing much needed support to the government‟s development efforts. In recent years, Bangladesh‟s tax collection has recorded an impressive growth averaging 20% per annum. Despite this good achievement, a lot remains to be done. Bangladesh‟s tax-GDP ratio at 9.3% remains quite low when compared with other similarly placed countries in South Asia. Less than 1% of the population pays income tax and tax evasion is persistent even though a significant amount of tax revenue is given up in the form of tax incentives. Together, curbing tax evasion and dealing with tax incentives could add 5 percentage points to the tax-GDP ratio, potentially adding about 40,000 crore to the revenue collection. Most of NBR‟s processes are manual and there is little in the nature of taxpayer service and taxpayer education. The NBR also faces problems in its functioning due to its current administrative structure. Despite being under the same board, the different wings of the NBR (Income...
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...recommend the direction the Schwab organization should take over the next 10 years. Introduction The Charles Schwab Corporation (NYSE: SCHW) is a leading provider of financial services, with more than 300 offices and 8.9 million active brokerage accounts, 1.6 million corporate retirement plan participants, 895,000 banking accounts, and $2.11 trillion in client assets as of April 30, 2013 (Krieger, 2013). Through its operating subsidiaries, the company provides a full range of securities brokerage, banking, money management and financial advisory services to individual investors and independent investment advisors. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (member SIPC, www.sipc.org), and affiliates offer a complete range of investment services and products including an extensive selection of mutual funds; financial planning and investment advice; retirement plan and equity compensation plan services; compliance and trade monitoring solutions; referrals to independent fee-based investment advisors; and custodial, operational and trading support for independent, fee-based investment advisors through Schwab Advisor Services. Its banking subsidiary, Charles Schwab Bank (member FDIC and an Equal Housing Lender), provides banking and lending services and products. This paper will discuss where Schwab and the financial industry are...
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...Task 8 3.1 Explain the purpose and nature of the budgeting process. Task 8 IN business,budget can be defined as a plan for an organization is outgoing expenses and incoming revenues for a specific time period. Budgets are used in many organizations to Track and control spending The purpose is to ensure that available funds are used according to plan,within preset limits and not exceeding available funds. Support funding requests The purpose is to justify the use of funds and to help plan future spending accurately by describing how funds will be used. The budgeting process: Companies and organizations typically develop and implement budgets on a periodic basis at fixed intervals. The norm in private industry is to produce a plan for each fiscal year. Some government organizations also prepare annual plans, but two-year (biennial) budgets are also common in government. Although plans are sometimes adjusted in "real time" (that is, they are treated as flexible budgets after start of the planning period they cover), such changes are exceptions to the normal rule, which is to keep the forecast intact (static) once implemented. In the period of time between issuance of one budget and the next, planning-related decisions and plans are referred to as the budget cycle or process. In large companies, large educational institutions and non profit organizations, and in government organizations, the process normally extends across months, if not the entire period...
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