...UNIT VIII RESEARCH PAPER Student name: Nguyen Thi Ngoc Minh Student Number: 217527 School: Columbia Southern University I. Introduction At the beginning, Sacombank was just a small bank, established in 21st December 1991, with the initial chartered capital of 3 billion VND and operated within Ho Chi Minh City (Sacombank, 2012). After about 22 years’ operating, Sacombank is now one of the leading Vietnamese commercial joint stock banks with strong financial capacity and stable operation. Through all the ups and downs, changes in policies, economy, Sacombank has expanded the size, assets, equity, and especially Sacombank has the broadest network of business locations in Vietnam, Laos, and Cambodia. As a Sacombank’s staff, I would like to analyze my company to find out how to develop the bank as the mission to be the leading retail bank in Indochina. In this report, I will intro briefly about the Sacombank, go through the organization structure, operating activities, effectiveness and discussion about some problem appearing when the company in service with this organization structure. Moreover, recommendations will be given to solves the problems and allow the organization operate efficiently. II. Mission and objective: Sacombank through 22 year has created a good business network, modern technology system, and stable financial capacities which allow the bank to constantly maximize value for customers and shareholders, bring value to staff in...
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... Modern business world is most sophisticated and complex one. It needs comprehensive lessons to deal with it efficiently and smartly. The necessity of practical knowledge is very much required. They are as follows: * After achieving practical knowledge it acts as a guideline during the service period. * In improvement of theoretical knowledge adjacent to practical events. * Identification of problem of business unit. Finding out techniques and methods for solving business unit problem. * Enhancement of the relationship between administration and laborers. * Formulation of policy for the improvement of business policy. * In performance evaluation of a business unit internship program is most significant. * Comparing or determining then extent applicability of systems or methodologies of various business disciplines. * Identify or direct barriers and changes to bring success of business unit. * Knowing about method of correction of errors, formulation of co-operatives. 1.2 SCOPE OF INTERNSHIP PROGRAM: Scope of the study can be described in terms of two grounds like: Organizational Scope: I worked in some important departments of Janata Bank Ltd. Hatem Khan Branch Rajshahi. I could not get the opportunity to work in foreign exchange department. I gave my all customers service in Janata Bank. Periodical Scope: My practical orientation in Bank started from the beginning dated 3rd May to 2nd June. The total duration of program was...
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...PROMOTIONAL STRATEGIES AND ADVERTISING STRATEGIES SONY VS SAMSUNG (Electronics) BRITTANY N FLYTHE STRAYER UNIVERSITY BUS508 CONTEMPORARY BUSINESS 06/17/2015 SONY AT A GLANCE Sony Corp. is engaged in the development, design, manufacture, and sale of electronic equipment, instruments, devices, game consoles, and software for consumers, professionals, and industrial markets. Its operations are carried out through the following segments: Consumer Products and Service; Professional, Device and Solutions; Pictures; Music; Financial Services; and Other. The Consumer Products and Service segment includes Sony Computer Entertainment, Sony Network Entertainment, VAIO & Mobile Business Group, Personal Imaging and Sound Business Group, and Home Entertainment Business Group. Sony engages in a variety of different marketing efforts, as one of the world's largest and most pervasive corporations. Sony's former slogans have been "The One and Only", "It's a Sony", "like.no.other" and "make-believe". Its current slogan is "BE MOVED”. During the 1990s, Sony transformed itself from electronics manufacturer to global entertainment company, establishing a leading position in music, movies and computer gaming (“AdbrandsWeekly.”2015). But those new ventures distracted attention from the company's core business, which is now struggling to maintain its position in the rapidly changing marketplace. Sony invented the concept of portable personal music players and dominated that sector for...
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...Executive Summary United Bank Limited (UBL) is one of the leading commercial bank in Pakistan which is currently having more than 1,000 branches nationally and 15 branches internationally. UBL has state of art online banking facility available for its customers and Deposits, Cheque Cash, Account Summary and Transfers can be easily done online. They have following services: • Commercial Banking • Consumer Banking • Corporate Banking • Foreign Exchange • Treasury • Overseas Banking Division Banking Industry Banking in Pakistan falls within 10 segments, which are as follows: Background of UBL: UBL has been operating since more than 47 years in Pakistan and has asset base of about 300 million with a network of about 1000 branches nationwide. It has its headoffice in Karachi when it got established in 1959. Subsidiary companies of UBL are: 1. United National Bank Limited 2. United Bank AG Zurich 3. UK UBL Fund Managers Ltd It’s operating an associate company in Muscat named Oman United Exchange Company. Long term rating of UBL is AA which denotes a quality organization. Short term rating of UBL is A-1+ which basically shows that organization is having timely payments. worthiness. Following is the Statement of Compliance with the code of Corporate Governance for the year ended december 31, 2006 issued by UBL This statement is being presented to comply with the Code of Corporate Governance (The Code) contained in the Regulation...
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... | Thesis Report On Performance Evaluation of Commercial Banks in Bangladesh Submitted To Ellina Mahbuba Shahid Lecturer Department of Business Administration Stamford University, Bangladesh Submitted By Helal Uddin ID # BBA 03110957 Batch # 31 (J) Department of BBA Major in Accounting Date of Submission: August 31, 2010 Letter of Transmittal Date: August 31, 2010 To, Ellina Mahbuba Shahid, Lecturer, Department of Business Administration, Stamford University, Bangladesh, Subject: Submission of Internee Report. Dear Madam, It is a great pleasure and privilege to present the internee report titled “Performance Evaluation of Commercial Banks in Bangladesh” which was assigned to me as a partial requirement for the competition of MBA Program. Throughout the study I have tried with the best of my capacity to accommodate as much information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried my best to make this report as much informative as possible. I sincerely believe that it will satisfy your requirements. I however sincerely believe that this report will serve the purpose of my internee program. Helal Uddin ID # BBA 031 10957 Supervisor’s Declaration I hereby declare that the concerned report entitled “Performance Evaluation of Commercial Banks in Bangladesh” is an original work by Mr. Helal Uddin, ID # BBA 031 10957, Major in Accounting...
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...The Hongkong and Shanghai Banking Corporation Limited Annual Report and Accounts 2012 THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED Annual Report and Accounts 2012 Contents Financial Highlights ........................................................................................................................................... Report of the Directors ...................................................................................................................................... Financial Review ............................................................................................................................................... Statement of Directors’ Responsibilities ............................................................................................................ Auditor’s Report ................................................................................................................................................ Financial Statements .......................................................................................................................................... Consolidated income statement ......................................................................................................................... Consolidated statement of comprehensive income ............................................................................................ Consolidated balance sheet .......................................
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...A N N U A L REPORT 2015 Financial Highlights As of or for the year ended December 31, (in millions, except per share, ratio data and headcount) Reported basis1 Total net revenue Total noninterest expense Pre-provision profit Provision for credit losses Net income Per common share data Net income per share: Basic Diluted Cash dividends declared Book value Tangible book value2 2015 $ $ $ Selected ratios Return on common equity Return on tangible common equity2 Common equity Tier 1 (“CET1”) capital ratio3 Tier 1 capital ratio3 Total capital ratio3 Selected balance sheet data (period-end) Loans Total assets Deposits Total stockholders’ equity Headcount 93,543 59,014 34,529 3,827 24,442 6.05 6.00 1.72 60.46 48.13 2014 $ $ $ 95,112 61,274 33,838 3,139 21,745 5.33 5.29 1.58 56.98 44.60 11% 13 11.6 13.3 14.7 $ 837,299 2,351,698 1,279,715 247,573 234,598 10% 13 10.2 11.4 12.7 $ 757,336 2,572,274 1,363,427 231,727 241,359 Note: 2014 has been revised to reflect the adoption of new accounting guidance related to debt issuance costs and investments in affordable housing projects. For additional information, see Accounting and Reporting Developments and Note 1 on pages 170 and 183, respectively. 1 Results are presented in accordance with accounting principles generally accepted in the United States of America (U.S. GAAP), except where otherwise noted. 2 Non-GAAP financial measure. For further discussion, see “Explanation and Reconciliation of the Firm’s Use Of Non-GAAP ...
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...Investment Banking Giuliano Iannotta Investment Banking A Guide to Underwriting and Advisory Services Professor Giuliano Iannotta Department of Finance ` Universita Bocconi via Roentgen 1 20136 Milano Italy giuliano.iannotta@unibocconi.it ISBN: 978-3-540-93764-7 e-ISBN: 978-3-540-93765-4 DOI 10.1007/978-3-540-93765-4 Springer Heidelberg Dordrecht London New York Library of Congress Control Number: 2009943831 # Springer-Verlag Berlin Heidelberg 2010 This work is subject to copyright. All rights are reserved, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilm or in any other way, and storage in data banks. Duplication of this publication or parts thereof is permitted only under the provisions of the German Copyright Law of September 9, 1965, in its current version, and permission for use must always be obtained from Springer. Violations are liable to prosecution under the German Copyright Law. The use of general descriptive names, registered names, trademarks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. Cover design: WMXDesign GmbH, Heidelberg, Germany Printed on acid-free paper Springer is part of Springer Science+Business Media (www.springer.com) To my family ...
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...[pic] 1.0. BRIEF IDEA ABOUT BANK Alfalah Bank Alfalah Limited was incorporated on June 21st, 1997 as a public limited company, under the Companies Ordinance 1984. Its banking operations commenced from November 1st, 1997. The bank is engaged in Islamic banking, commercial banking and related services as defined in the Banking Companies Ordinance, 1962. The Bank is currently operating through 195 branches in 74 cities. Management of Bank Alfalah accepted the challenge to transform this bank into a highly professional, most efficient & service oriented institution. The management has been successful in fulfilling the undertaken challenge. It has been successful in making a significant contribution to both corporate and retail banking in Bangladesh. Over the years, its emphasis on growth has resulted in a strong entity capable of offering high quality services to a wide spectrum of clients, in a highly challenging business environment. Its strategy is to maximize the synergies of branch network through an optimal allocation of financial resources in the face of dynamic challenges of present financial environment. Strengthened with the banking of the Abu Dhabi Group and driven by the strategic goals set out by its board of management, the Bank has invested in revolutionary technology to have an extensive range of products and services. This facilitates their commitment to a culture of innovation and seeks out synergies with clients and service providers to ensure uninterrupted...
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...Running Head: Negotiable Instruments Negotiable Instruments ACC 543 January 9, 2012 This memo attempts to analyze financial decisions problems with creating lines of credit from banks for the purpose of technological infrastructure investments. Explaining negotiable instruments will occur with recommended financing transactions. Comparing the main and secondary liabilities of the parties to the negotiable instruments and examining the parts of the secured transaction the bank recommends. This will be included in the memo. Negotiable instruments are transferable instruments used as a means of money for trading. These instruments are a promise to pay such as checks, drafts, promissory notes, and certificate of deposits. “A negotiable instrument has three principal attributes: (1) an asset or property passes from the transferor to the transferee by mere delivery or endorsement of the instrument, (2) a transferee accepting the instrument in good faith and for value obtains an indefeasible title and may sue on the instrument in his or her name, and (3) a notice of the transfer is not given to the party liable in the instrument. “ (Business Dictionary, 2012) This business wants to create a line of credit from the bank to invest money in technological infrastructure. A draft can be the negotiable instrument to use with a line of credit. Drafts contain three parties, the drawer, the drawee, and the payee. The drawer creates instructions to demand the drawee...
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...DATE: October 23, 2005 TO: The COO of ABC venture capital firm FROM: Harichand Chandunair, Legal Expert SUBJECT: Legal Due Diligence I would like to thank the management for giving me the opportunity to study Joe’s landscaping and tree trimming business and make recommendation about the legal issues surrounding the business under consideration. Joe is very successful and has enough clients to keep him busy, along with at least 50 workers, working six days a week. Joe did not have a lot of money to start a commercial landscaping and tree trimming business, but he did it anyway. He started small, but has plans to expand his business. I would say Joe’s idea is excellent. He decided to start a business in Memphis where commercial landscaping and tree trimming business can flourish 8 months every year. “Location” is the key to a successful business. There are several legal and regulatory issues involved in the commercial landscaping and trimming business. Joe’s company is following the Environmental Protection Agency (EPA) requirements, Occupational Safety and Health Association Regulations (OSHA) etc. ABC venture capital firm is least likely to face any legal problems in those areas. It is seen that Joe sometimes fires minorities, women, protected class etc. without stating valid reason. This could result in costly lawsuits and cost the reputation of the company. We must convey this to Joe and convince him and make him understand...
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...Management / Media Management Student-Nr.: 1.6 11 306 Table of content 1. Introduction 3 2. Effects of Advertisings on Women 2.1 Dissatisfaction with the body shape 4 2. Statistics and surveys 5 3. The Image of a Woman in the Beauty Industry 3.1 Gender display in commercials 6 2. Criticism of advertising and thoughts about solutions 7 4. Dove Campaign 4.1 Campaign for Real Beauty 8 4.2 Dove ‘Evolution’ 9 4.3 Success of Dove Campaign 9 5. Conclusion 10 6. Bibliography 11 7. Declaration 13 1. Introduction The term paper at hand deals with the beauty in the commercial industry. Looking at commercials in magazines, on billboards or on television, it is recognizable that most of these advertisings use the image of a perfect world. Especially in beauty advertisings beautiful flawless women present products promising the consumer to look as beautiful as the model after using them. But how effective are these advertisings and how do they affect society? This term paper will discuss the negative influence of those commercials on women in today’s society. Furthermore it will figure out whether a television commercial with a realistic understanding of beauty can be successful in a consumer-based society. This paper tries to answer these questions using statistics, extracts from books and articles. . . . . . . . . . . . . 2. Effects of Advertisements on Women 2.1 Unconscious Dissatisfaction...
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...Strengthening the business in Australia, New Zealand and the Pacific, while establishing a signifcant presence in key market in Asia. Building connectivity to support customers who are operating increasingly wthin and aross the region. Providing customers with the right financial solution and insights to help them progress. Growing and strengtheningthe bank by diversifying the earnings. What are the organisation’s key competencies? Australia: Comprises Australian rural commercial and agribusiness products, small business banking products, retail distribution, retail banking products, private banking, consumer finance, investment and insurance products, vehicle and equipment finance, rental services and fixed and at call investments. The Australian business brands include Esanda, E*Trade Australia and ING Australia. New Zealand: The New Zealand division covers a range of banking services for personal, small business and corporate customers in New Zealand including corporate and commercial banking, investment insurance products, private banking, rural banking and central support. The division includes business of ANZ Retail and NBNZ Retail. International & Institutional Banking: This division provides solutions for global institutional clients, retail and business clients in the Asia Pacific region. Technology: Technology is comprised of the global delivery of ANZ's information technology services for customers and staff as well as infrastructure and information...
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...XXX Business Communications Tutor Institute of Studies 456-458 Feather Street XXX 0000 Dear Ms XXX REQUEST FOR INTERVIEW After one inspiring lecture in your class at the Institute of Studies, I came to the conclusion that working beside you was what I would love to do. While reading the Institute’s student bulletin, I was excited to see you were looking for a student to fill the position of *business Idea position* and I’d be delighted to. During the expanse of my father’s career with XXX, I have also helped the business doing administration work, stock take and being a helping hand in the Comms Department. I am all but a year away from completing my Business Diploma at the Institute of Studies and intend to study Commercial Law at the University of XXX. I have volunteered at my Uncle’s Doggy Day Care and babysat my brother on numerous occasions, and by doing these tasks developed a considerable amount of patience. I know that many of my fellow students are applying for the same opportunity to work beside you but I definitely think that I have something spectacular to offer. For the simple fact that I have grown up around logically minded people and have participated many a time in my relative’s business ventures. In spite of my young age, I think that having this firsthand experience would contribute largely to your cause. I hope you consider my application, and look forward to hearing from you and working with such an intelligent individual. ...
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...Television Is Affecting Children Negatively Larry Hering ENGL 101-B25 June 18, 2012 Gerald Spence Abstract Television and television advertising are effectively altering the way children think, act, and interact. Sedentary lifestyles are thought to be synonymous with watching too much television and childhood obesity has become a major issue in the United States. With all of the data and recommendations showing the negative affect television is causing, parents are in control of the issue right in their own homes. All that is needed is for them to assume responsibility. Television Is Affecting Children Negatively Over the last thirty years obesity has tripled in children ages 5 and up (Eaton, 2010). It is an epidemic that needs to be addressed in order to regain health among the nation’s children. While there is clearly more than one factor, technology has to take a major part of the blame along with parents. Children are spending too much time watching television and using systems such as Play Station and X-box. Computers are another source that takes away from activity Sedentary lifestyles are taking the place of wholesome activity-based play. Notice this child is sitting approximately three feet from the television and still uses a remote (see his left hand). His only activity appears to be eating potato chips and drinking soda. This image could be from any home in the country as sedentary lifestyles have become common. -based fun. Sedentary lifestyles...
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