...printing. My career goals now that I completed my program of study have not changed a lot, I am still wanting to work with either a large video game company like Blizzard, Ubisoft, Electronic Arts, or an independent company creating new and exciting games. Where I can work on the levels and in-game interactions in the games, working on a small to medium sized team. Starting as either an Intern or basic level designer then work my way up to Game Director or Senior Game Designer. With a clearly defined career gaols I will be able to not only get myself motivated to achieve my dreams, but I will also greatly increase my likelihood of achieving positive job-interviews. The goals of this course compliment my career goals because there will be times that I will have to create documents for others colleges or have to make presentations where I may have to define a technology and how it either connects or relates to society, as well if there were any similar technologies in the past and how they influenced society or future technology. What I learned about myself is that I’m a very ambitious yet private person who doesn’t do much without thinking it through to some degree first and that task is more likely to be completed if I’m not in a formal structured office. These assessments from the textbook as well the DeVry site have given me a much better understanding of my strengths and weaknesses. Some of the skills developed and enforced in this course that I will be able to transfer to...
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...AGYARE KWABENA MALVIN, 01134021D Barclays Bank marketing plan outline 1. Executive summary 2. Company description 3. Situational analysis 4. Marketing objectives 5. Marketing strategies 6. Marketing mix 7. Monitoring and control 8. Budget 9. Appendix Critical examination of the outline and its content executive summary The marketing plan of Barclays Bank focuses on introducing new innovative strategies to expand market share of Barclays Bank. The executive summary places emphasis on the 1. Objectives to achieve 2. Marketing strategies needed to achieve the objectives Company description This hinges on the fact that A. Barclays Bank is one of the leading operations in the UK financial sector with exposure to Europe, north America, middle east etc. B. Barclays was established in 1690 by John feame and Thomas Gould C. Barclays is embroiled with a number of controversial subjects such as aggressive investment trading and tax avoidance schemes. Situation analysis Barclays Bank focuses on the industry analysis. This brings to the notice that A. Barclays is the tenth largest financial service and Banking group in the world since 2010 B. Barclays Bank financial status I. Revenue of 29,936 million in 2009 C. Barclays competitors include I. Bank of Ireland II. Deutsch bank AG III. HSBC holdings plc IV. Allied Irish bank Barclays also focuses on the SWOT...
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...variety of ways and determine which company would be better to invest in. Barclays is a British based company that operates under the International Accounting Standards (IAS) while the U.S. based Bank of America operates under U.S. Generally Accepted Accounting Principles (GAAP). We examined the effects these different standards had on the two companies. We then gathered information from Barclays and Bank of America’s consolidated financial statements and used this information to calculate various ratios needed for analyzing the two companies. In addition, we compared similarities and differences between Barclays and Bank of America in relation to how they disclose and deal with various accounting and reporting issues. These issues include disclosure of employee information, disclosure of foreign operations, the valuation and disclosure of intangible assets, and numerous others. We also took the foreign currency exchange rates into account and examined the impact it had on Barclays as well as Bank of America. II. History Both Barclays and Bank of America have a history of great service, and being one of the premier banks of England and the United States respectively. It is impressive that Bank of America can be looked at as the equivalent of Barclays when it originated almost 300 years later, while both are prominent now, they each chose different paths to get to where they are now. Barclays In the late 17th century, there were many Goldsmith-Banker businesses that...
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...Barclays Acquisition of Lehman Brothers Background Barclays PLC, one of the main saving banks in the United Kingdom, agreed Sept. 16, 2008, to purchase the volume of Lehman Brothers Inc. for $1.75 billion. It has acquired parts of Lehman's equities commerce in Europe and took on some Lehman workers in Asia. Lehman, the fourth major asset bank in the United States, was one of the victims of the subprime advance disaster that led to the administration stand security of Bear Stearns in March 2008 and the conquest of advance giants Fannie Mae and Freddie Mac by the U.S. Treasury in advance in September of 2007. Worth as much as $45 billion in early 2007, Lehman incurred almost $4 billion in losses in the third quarter has seen its stock worth fall down and was faced with disciplinary downgrades in its credit rating, which would have made it tremendously hard to raise much-needed capital. (Clark, 2008) Fuld who was the Head of Lehman sought Chapter 11 bankruptcy defense for Lehman on Sept. 15 2007 after U.S. Treasury Secretary Henry Paulson made it obvious that the administration would not spend any of taxpayers money to fund any of Lehman’s faulty asset. Under Chapter 11, which shields a corporation from creditors' lawsuits while it reorders its finances, Lehman became more attractive to Barclays; the British bank then bought Lehman's choicest bits devoid of assuming its more than US$600 billion in liabilities. Under the terms of the contract, which got approval from the insolvency...
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...Introduction 1. Banking industry and financial sector Within the global banking industry, financial sector is an important part of overall global economy and is primarily composed of banking institutions, money markets and financial brokers. This sector is considered as a vital component of developed economies such as the USA, UK, Switzerland and Japan. The definition of a retail bank as described by the banking industry is that it operates within the financial institutions offering services such as adjustable rate mortgages, financial derivatives, bank credit and debit cards, electronic banking etc. Theses organizations are also regulated and controlled by industrial standards’ legislation and regulations that should be adhered to, in order to successfully operate in the industry (Bennett Kottasz, 2012). However this sector, that plays a key role in economic integrations of countries (Winder, 2013), had recently shown signs of distress mainly due to uncontrolled lending and unwarranted risk-taking activities (Habib, 2013). In addition, there had been a lack of transparency. Incidents within last decade such as Lehman Brother collapse and financial meltdown of 2008, created lots of ambiguities in understanding banks risks from imitative trading and therefore unwillingness of any bank to trade or lend to any of the bank. In particular these incidents create an uncertain situation where it is difficult to speculate which particular financial organization might unexpectedly...
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...ACCOUNTING INFOMRATION SYSTEM TABLE OF CONTENT INTRODUCTION ............................................................................................................................................. 2 FRAUD ........................................................................................................................................................... 3 Internal Fraud ........................................................................................................................................... 3 Procurement fraud.................................................................................................................................... 4 Online safety ............................................................................................................................................. 5 Cheque Fraud ............................................................................................................................................ 5 INTRODUCTION OF COMPUTER VIRUS TO THE SYSTEM .............................................................................. 7 UNINTENTIONAL ACTS/MISTAKES. ............................................................................................................... 7 CONCLUSION................................................................................................................................................. 8 REFERENCES ......................................................................
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...the economic environment on a selected business. D1 – Evaluate the impact of changes in the economic environment on a selected business In this part of the assignment I am going to be researching the economic factors of Barclays as a business. The Business cycle All of these factors have an enormous impact on my selected business (Barclays) as the economy goes from growth and decline. As well as many others, Barclays is majorly affected as it is in the financial industry. These different factors appear throughout what is called the ‘Business Cycle’. The cycle shows the fluctuation of the activity within the economy over a period of time and consists of 4 main stages; as well as many others, Barclays as a business is majorly affected as it operates in the financial industry. These different factors appear throughout what is called the ‘Business Cycle’ and also known as the ‘Economic Cycle.’ The cycle shows the fluctuation of the activity within the economy over a period of time and consists of 4 main stages; Growth, slowdown, Recession and Recovery as shown below: Supply and demand and GDP (gross domestic product) 'Gross Domestic Product - GDP' the monetary value of all the finished goods and services produced within a country's borders in a specific time period, though GDP is usually calculated on an annual basis. Forces of demand and supply interact to create a market place. This is for many different reasons, for example: Factors that influence demand: * Affordability ...
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...www.thetimes100.co.uk Discovering customer needs through research Curriculum Topics • Purpose of research • Types of research • Research findings • Implementation and evaluation Introduction Barclays is a global bank. It provides a range of financial services in 56 countries. Barclays provides retail banking services to customers, whether they are individuals or businesses. It offers a broad range of financial products and services including current accounts, savings accounts and general insurance. Within the UK, Barclays communications are designed to help customers ‘Take One Small Step’ to managing their money better every day. Different kinds of customers represent distinct markets for Barclays. The market for personal banking services is very competitive. Personal customers have a choice of banks on the high street or on the web to assist them in managing their finances. For example, they can have their salaries paid into accounts, pay bills through the bank or save money to gain interest on their savings. There is also a competitive market for business banking services. Businesses require different services such as credit management, payments for suppliers or loans and overdrafts to help them to survive and grow. For example, an expanding business may need a mortgage to buy a new building. Each market is capable of being further sub-divided into segments. A market segment is a part of a whole customer group that shares particular characteristics. These include...
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... Introduction Each market is capable of being further sub-divided into segments. Barclays is a global bank. It provides a range of financial services shares particular characteristics. These include such factors as in 56 countries. Barclays provides retail banking services to age, life stages, geography or occupation. Within the market of customers, whether they are individuals or businesses. It offers a personal banking, the segments could include categories such as broad range of financial products and services including current students, graduates, ‘new to work’, mature, and families. By accounts, savings accounts and general insurance. identifying different market segments, organisations can ensure A market segment is a part of a whole customer group that they are providing products or services to meet the needs of these Within the UK, Barclays communications are designed to help customers. In addition to this, appropriate promotional techniques customers ‘Take One Small Step’ to managing their money better can be used to reach the people in the separate segments. every day. Through segmentation, Barclays has been able to devise appropriate banking offers for customers in different segments. Different kinds of customers represent distinct markets for This approach is helping Barclays to improve its market share of Barclays. The market for personal banking services is very the student accounts market. competitive...
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...professional services industry in the UK is the largest in Europe. The industry employs more that one million professionals. Its approximate contribution to the UK gross domestic product (GDP) is about 12% (Raby, n.d). However, in recent times, the industry has been ravaged by economic downturns. Consequently, pay and job cuts have increased (Kalle, 2009). This report lays focus on the financial services organizations in the UK. A particular interest is expressed towards banks with Barclays PLC being the subject of the study. Barclays Bank was founded in 1690 by John Freame. It was not until 1896 that David Barclay made Barclays a limited company. This was named Barclay & Co. which was recently renamed to Barclays Bank PLC (Ackrill and Hannah, 2001). Barclays PLC has many subsidiaries all over the world. It operates in over 60 countries and employs more than 113,000 people. Collectively, these are referred as the Barclays Group. Barclay group has a large market capitalization. It is considered as one of the largest financial services groups in the world. The services offered by Barclays PLC extend to retail and commercial banking as well as credit cards. They also provide investment banking services, wealth management, and investment management services (Barclays Wealth, 2006). The business environment is a composition of all external influences that...
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...www.thetimes100.co.uk Discovering customer needs through research Curriculum Topics • Purpose of research • Types of research • Research findings • Implementation and evaluation Introduction Barclays is a global bank. It provides a range of financial services in 56 countries. Barclays provides retail banking services to customers, whether they are individuals or businesses. It offers a broad range of financial products and services including current accounts, savings accounts and general insurance. Within the UK, Barclays communications are designed to help customers ‘Take One Small Step’ to managing their money better every day. Different kinds of customers represent distinct markets for Barclays. The market for personal banking services is very competitive. Personal customers have a choice of banks on the high street or on the web to assist them in managing their finances. For example, they can have their salaries paid into accounts, pay bills through the bank or save money to gain interest on their savings. There is also a competitive market for business banking services. Businesses require different services such as credit management, payments for suppliers or loans and overdrafts to help them to survive and grow. For example, an expanding business may need a mortgage to buy a new building. Each market is capable of being further sub-divided into segments. A market segment is a part of a whole customer group that shares particular characteristics. These include...
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...SUMMARY ANALYSIS Barclays Bank PLC Credit Rating: AA-/Negative/A-1+ Primary Credit Analysts: Richard Barnes London (44) 20-7176-7227 richard_barnes@ standardandpoors.com Secondary Credit Analyst: Claire Curtin London (44) 20-7176-7032 claire_curtin@ standardandpoors.com Additional Contact: Financial Institutions Ratings Europe FIG_Europe@ standardandpoors.com Rationale We consider that U.K.-incorporated Barclays Bank PLC (Barclays) has a broadly diversified business profile, with a strong franchise across retail, commercial, and investment banking. It has progressively expanded outside its domestic market through acquisitions and organic growth. For example, non-U.K. customer lending represented 54% of the group total at June 30, 2009. Excluding nonrecurring gains and a loss on own debt, Barclays reported a £4.4 billion pretax profit for the first nine months of 2009, which was a 116% increase on the same period in 2008. The performance of the retail and commercial banking activities was depressed by elevated impairment charges, but this decline was more than offset by increased earnings from Barclays Capital, which benefited from favorable market conditions and the September 2008 acquisition of Lehman’s North American businesses. Barclays Capital contributed 62% of the group’s underlying earnings in the first nine months of 2009, which is a materially higher proportion than Standard & Poor’s Ratings Services would expect in a normal environment. Nevertheless, we consider...
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...Group Interim Report Group Name Date submitted Client’s name Executive summary of the changes you are proposing with a rationale for the changes. Portfolio 1 Portfolio 2 SOURCE ----------------------- 27/10/2013 Group 20: Girls’ Power David King Markowitz portfolio theory (MPT) is a theory on how risk-averse investors can construct portfolios to optimize or maximize expected return based on a given level of market risk, emphasizing that risk is an inherent part of higher reward. According to Markowitz portfolio theory, investors attempt to maximize portfolio expected return by analyzing risk, return, correlation and diversification...
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...Additional Terms Additional Terms This document sets out the Additional Terms that form part of the Agreement as defined in the Barclays Wealth Terms. If there is any conflict between these Additional Terms and the Barclays Wealth Terms, these Additional Terms will prevail. If words beginning with a capital are not defined in these Additional Terms, they shall have the same definition as in the Barclays Wealth Terms. The following sections of the Barclays Wealth Terms are relevant to the services provided under the Agreement: • Section A, • Section B, • Section D, • Section E, and • Section F. Your classification under the Financial Service Authority (FSA) Rules For the purposes of the FSA Rules, we will treat you as a retail client unless we agree with you otherwise. This does not necessarily mean that you are ‘eligible’ for the purposes of the Financial Services Compensation Scheme or the Financial Ombudsman Service. As a retail client, where you meet the requirements to be recategorised, you have the right to request to be treated as an elective professional client either generally or in respect of a particular service, type of transaction or product. Such request must be made in writing, and we will consider any requests received on a case by case basis against the criteria set out in FSA Rules. We will inform you of any limitations that such a re-categorisation will entail, together with the scope of that re-categorisation. If, following such a request, you are classified...
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...FINANCIAL MARKETS AND INSTITUTIONS The core purpose of the following report is to analysis 5 of the top British Banks based on their total assets and by looking at their key balance sheet items, income statement items and financial ratios.. Most of the banks in the UK are MNCs. The top 5 banks in the United Kingdom have 90 percent market share. Here is the list of the top 5 banks in the UK: 1. HSBC 2. Lloyds Banking Group PLC 3. Standard Chartered Bank 4. Barclays 5. Royal Bank of Scotland Group Analysis of the key balance sheet and income items is as follows: Loans is one of the most important balance sheet items, as the ability to pool deposits from many sources that can be lent to many different borrowers creates the flow of funds inherent in the banking system. Gross loan is the total amount of issued credits given to banks during the accounting period. We can see from the graph below that HSBC maintained the most steady gross loan figures between 2008 -2012. This was despite the economic depression of 2008 by which RBS was evidently affected by the most with their gross loan figure being the lowest in 2011 of only £24979 million. One of the reasons for this is that UK taxpayers bailed out RBS in with the government owning over 80% of the business while HSBC avoided government assistance. Net Income is the amount of profit money a business has after determining total gross business income and deducting all expenses, taxes, depreciation, and interest. We...
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