...Formerly National City Bank Tiffany Glover Finance 3670 Commercial Banking Table of Contents Introduction…………………………………………………………1 Financial Products………………………………………………….2 Structural Changes…………………………………………………3 Ratios………………………………………………………………….4 Performance…………………………………………………………5 Financial Statements………………………………………………Appendix National City Corporation was a company based in Cleveland, Ohio, founded on May 17, 1845 when a group of Cleveland businessmen pooled $50,000 to organize the City Bank of Cleveland. Reuben Sheldon and Theodoric C. Severance, formerly of the Fireman's Insurance Company, organized The City Bank of Cleveland. The city's only bank at the time opened its doors to the public at No. 52 Superior Street. The company operated through an extensive banking network primarily in Ohio, Illinois, Indiana, Kentucky, Michigan, Missouri, Pennsylvania, Florida, and Wisconsin, and also served customers in selected markets nationally. Its core businesses included commercial and retail banking, mortgage financing and servicing, consumer finance, and asset management. The bank reached out to customers primarily through mass advertising and offered comprehensive banking services online. In the late 1990's National City began a strategy to increase the yields on it assets. In 1999, the company purchased First Franklin Financial Corp., a large subprime mortgage lender. Instead of selling the loans, as most mortgage companies do, National City retained many of the...
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... This Agreement is made and entered into effective as of __________, 20__ by and between the City of Highland Park, a(n) Unit of local government, having its principal office at 1707 St. Johns Ave. Highland Park, Illinois 60035 (“Customer”); and National City Bank, a national banking association, having its principal office at 1900 East Ninth Street, Cleveland Ohio 44114 ("National City"); RECITALS A. Customer desires to make a portion of the premises it leases from the Union Pacific Railroad Company (“Landlord”) pursuant to a lease agreement between Landlord and Customer dated June 19, 1995 located at 1700 St’ Johns Ave. Highland Park Illinois 60035 (the “Property”) available to National City for the installation and operation thereat of an Automated Teller Machine, (the "Machine"”), which will dispense cash and perform such other functions generally done by such Machines B. National City desires to lease such space from Customer; C. Landlord has granted its consent to Customer to enter into this agreement with National City; In Consideration of the mutual covenants and promises herein contained, the parties hereby agree as follows: 1. Leased Premises. Customer hereby leases to National City and National City leases and takes from Customer approximately 12 square feet of space situated on the Property as referenced by Exhibit A attached hereto and made a part hereof (the " Leased Premises"). The Leased Premises shall be used solely for the operation...
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...At higher levels of education, CCA participation may even translate into academic points. The scope of CCAs is wide due to a nearly inexhaustible list of interests. Some of the major groups include Computer Club, Art Club, Dance Club, Swimming, Basketball and Photography Club. Uniformed groups include the St. John Ambulance Brigade (SJAB), Red Cross, Military Band, The Singapore Scout Association, Girl Guides Singapore, National Police Cadet Corps (NPCC) and National Cadet Corps (NCC). Performing arts groups are also included, with Chinese Orchestra, choirs, bands and Dance Clubs among such CCAs. CCAs are held outside standard curriculum hours and the activities partaken depend on the nature of CCA. For example, Uniformed groups do foot drills and team-building exercises while competitive sportsmen spend most of the time training and learning techniques from their instructors. In the first year, the students are required to pick one or more interest group to join. While the choices available to students differ from school to school, there are national requirements for the...
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...BRAND MANAGEMENT Case No. 3 SNAPPLE: REVITALIZING A BRAND INTRODUCTION In the 1990s, Snapple Corporation was one of the leading “New Age” beverage brands when the category was just beginning to take off. With the combination of a unique product, package design, and quirky advertising, the company grew form a regional underground favorite toa nationally recognized brand. Snapple’s rise in the beverage industry was crowned in 1994, when the Quaker Oats Company purchased Snapple for $1.7 billion. Quaker expected to make Snapple a major player in the industry, as it had done with GAatorade. However, the company was unable to capitalize on the brand’s previous success. In 1997, Quaker sold Snapple to Triarc Beverage Group for $300 million. Triarc faced a number of challenges, including reversing the sales slide, revamping the distribution system, and creating new products that will enable growth. Most importantly, Triarc had to find a way to reconnect the brand with its consumers. Triarc successfully resurrected the Snapple brand, and in 2000 sold Snapple to Cadbury Schweppes for $1.45 billion. Cadbury Schweppes then faced the challenge of maintaining Snapple’s brand strength in an increasingly competitive beverage environment. THE EMERGENCE OF SNAPPLE The roots of Snapple Corporation date back to 1972 in Brooklyn, New York when brothers-in-law, Leonard Marsh and Hyman Golden, left their window-washing business and teamed up with Marsh’s childhoAod friend and health...
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...Harvard Business School 9-898-171 Rev. December 11, 2000 Nantucket Nectars Well, we knew we were in an interesting position. We had five companies express interest in acquiring a portion of the company. Sometimes you have to laugh about how things occur. Tropicana (Seagram) and Ocean Spray became interested in us after reading an article in Brandweek magazine that erroneously reported that Triarc was in negotiations to buy us. (See Exhibit 1 for a copy of this article.) At the time, we hadn’t even met with Triarc, although we knew their senior people from industry conferences. We have no idea how this rumor began. Within weeks Triarc and Pepsi contacted us. We told no one about these on-going negotiations and held all the meetings away from our offices so that no Nectars employee would become concerned. It was quite a frenetic time. The most memorable day was just a few days ago actually. Firsty and I were in an extended meeting with Ocean Spray, making us late for our second round meeting with Pepsi. Ultimately, Tom and I split up: Firsty stayed with Ocean Spray and I met with Pepsi. Ocean Spray never knew about the Pepsi meeting. Tom and I have learned under fire throughout our Nectars experience, but this experience was a new one for us. —Tom Scott, co-founder of Nantucket Nectars Research Associate Jon M. Biotti prepared this case under the supervision of Professors Joseph B. Lassiter III and William A. Sahlman as the basis for class discussion rather...
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...University of the Fraser Valley A Marketing Analysis on Tim Hortons Company Diana Beedassy 200105312 Business 120 Mr. Richard Simon April 2, 2012 Table of Contents Cover Page...............................................................................................................................................1 - 2 Table of Contents…………………………………………………………………………………………………………………………………….3 Introduction and History………………………………………………………………………………………………..………………....4 - 5 SWOT Analysis……………………………………………………………………………………………………………….………………….6 – 7 Business Articles………………………………………………………………………………………………………………………………………8 Target Market…………………………………………………………………………………………………………………………………9 – 10 Tim Horton’s merging with Wendy’s Inc………………………………………………………………………………………………..11 Tim Horton’s as a convenient product……………………………………………………………………………………..…………...12 Channel of Distributions …………………………………………………………………………………………………………..…………...13 Promotional Strategies……………………………………………………………………………………………………………….…….....14 Socially Responsible Behaviour……………………………………………………………………………………………………..15 – 20 Recommendations – Part A (SWOT) ……………………………………………………………………………………………..21 – 22 Recommendations – Part B …………………………………………………………………………………………………………. ..23 Recommendations – Part C……………………………………………………………………………………………………………24 – 25 Gross Annual Sales & Market Share………………………………………………………………………………………………26 – 27 Appendix 1 – Timeline……………………………………………………………………………………………………… …………………..28 Appendix...
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...18th Annual SDM EXCLUSIVE REPORT Neither Stellar Nor Stagnant Si in Six i 10 i t integrators were able t move ahead i 2012 and counted an i t bl to h d in d t d increase i in systems integration revenue; but one-third slipped back — showing that the security marketplace is not yet where it was pre-recession. By Laura Stepanek, Editor A 9 percent decrease in the 2012 revenue for SDM’s Top Systems Integrators is a deceiving number because individual company results did not recede to that extent. By all accounts, systems integrators described 2012 as average to improved — at least moderately better than the dismal results they encountered in 2011. While some companies found it “challenging,” others experienced the opposite. Most were in the middle — financial performance was neither stellar nor stagnant, but “acceptable” compared with the past few years. “2012 was another challenging year for the larger commercial integrated systems business. It wasn’t worse than 2011 but about the same,” notes No. 25-ranked ASG Security, Beltsville, Md. “There are still fewer projects, less funding and great pressure on margins. However, the low and mid markets performed very well for us again; specifically, a continued great resurgence in residential sales with excitement around our enhanced service platform. Small business was also a continued strong growth segment for the company, led by enhanced intrusion sales and cloud-based video services.” ASG Security reported $20.9 million...
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...in North America, as measured by unit case volume growth, declined 3 percent.”2 Soft drink companies are not giving up, however, on sales growth in the US and Europe. CocaCola Co. and PepsiCo have created new soft drinks to combat declining sales growth of traditional carbonated soft drinks in these regions of the world. These “substitute beverages” include such products as vitamin waters, fruit drinks, and energy drinks. As consumers in North America and Europe move away from traditional soda, many are simply switching to “enhanced” water beverages. “Sales of enhanced water jumped from $80 million in 2001 to $245 million the following year, and could top $600 million in the next year or so, according to New York-based Beverage Marketing Corp.”3 “While carbonated soda's share of the market is shrinking, alternative beverage sales are jumping as much as 50% a year. And energy drink sales are advancing even faster.”4 On first blush, these beverages may appear to be healthy alternatives to soda, however the reality is that many of them have nutritional profiles that are almost as bad, if not as bad, as traditional carbonated soda pop. 1 Warner, Melanie. Soda Sales Fall for First Time in 20 Years. New York Times. March 9, 2006....
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...Insights into the Food, Beverage, and Consumer Products Industry GMA Overview of Industry Economic Impact, Financial Performance, and Trends The Grocery Manufacturers Association (GMA) represents the world’s leading branded food, beverage, and consumer products companies. Since 1908, GMA has been an advocate for its members on public policy issues and has championed initiatives to increase industrywide productivity and growth. GMA member companies employ more than 2.5 million workers in all 50 states and account for more than $680 billion in global annual sales. The association is led by a board of member company chief executives. For more information, visit the GMA website at www.gmabrands.com The Food Products Association (FPA) is the largest trade association serving the food and beverage industry in the United States and worldwide. FPA’s laboratory centers, scientists, and professional staff provide technical and regulatory assistance to member companies and represent the food industry on scientific and public policy issues involving food safety, food security, nutrition, consumer affairs, and international trade. For more information, visit FPA’s website at www.fpa-food.org The member firms of the PricewaterhouseCoopers network (www.pwc.com) provide industry-focused assurance, tax, and advisory services to build public trust and enhance value for its clients and their stakeholders. More than 130,000 people in 148 countries across our network work collaboratively...
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...Business Plans Handbook Business Plans A COMPILATION OF BUSINESS PLANS DEVELOPED BY INDIVIDUALS NORTH THROUGHOUT AMERICA Handbook VOLUME 16 Lynn M. Pearce, Project Editor Business Plans Handbook, Volume 16 Project Editor: Lynn M. Pearce Product Manager: Jenai Drouillard Product Design: Jennifer Wahi Composition and Electronic Prepress: Evi Seoud Manufacturing: Rita Wimberley Editorial: Erin Braun ª 2010 Gale, Cengage Learning ALL RIGHTS RESERVED. No part of this work covered by the copyright herein may be reproduced, transmitted, stored, or used in any form or by any means graphic, electronic, or mechanical, including but not limited to photocopying, recording, scanning, digitizing, taping, Web distribution, information networks, or information storage and retrieval systems, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the publisher. This publication is a creative work fully protected by all applicable copyright laws, as well as by misappropriation, trade secret, unfair competition, and other applicable laws. The authors and editors of this work have added value to the underlying factual material herein through one or more of the following: unique and original selection, coordination, expression, arrangement, and classification of the information. For product information and technology assistance, contact us at Gale Customer Support, 1-800-877-4253. For permission to use material...
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...UNIT-1 MANAGEMENT The word Management can be styled as- Management (i.e manage-men-tactfully ). It is an art of getting things through people. But in modern approach of management it involves all kind of activities which determine the objectives of the organization. * Management is an important element in every organization. It is the element that coordinates currents organizational activities and plans for the future. * The management adapts the organization to its environment and shapes the organization to make it more suitable to the organization. * Management is the brain of an organization because it takes decision at every movement. Definition * “ Management is the art of “knowing what you want to do” and then seeing that it is done in the best and cheapest way. ……F. W. Taylor * Management as a process “consisting of planning, organizing, actuating and controlling, performed to determine and accomplish the objective by the use of people and resources.” …… George R. Terry * Management is the art of getting things done through & with people in formally organized group ……. Koontz * Management is a multi-purpose organ that manage workers & work...
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...stoAnnual Report 2010 2010 year ended august 29, 2010 THE COMPANY Costco Wholesale Corporation and its subsidiaries (“Costco” or the “Company”) began operations in 1983 in Seattle, Washington. In October 1993, Costco merged with The Price Company, which had pioneered the membership warehouse concept, to form Price/Costco, Inc., a Delaware corporation. In January 1997, after the spin-off of most of its non-warehouse assets to Price Enterprises, Inc., the Company changed its name to Costco Companies, Inc. On August 30, 1999, the Company reincorporated from Delaware to Washington and changed its name to Costco Wholesale Corporation, which trades on the NASDAQ under the symbol “COST.” As of December 2010, the Company operated a chain of 582 warehouses in 40 states and Puerto Rico (425 locations), nine Canadian provinces (80 locations), the United Kingdom (22 locations), Korea (seven locations), Taiwan (six locations, through a 55%-owned subsidiary), Japan (nine locations) and Australia (one location), as well as 32 warehouses in Mexico through a 50%-owned joint venture. CONTENTS Financial Highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Letter to Shareholders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Map of Warehouse Locations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...
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...S T R A T E G Y – II S T R A T E G Y – II S T R A T E G Y – II S T R A T E G Y – II S T R A T E G Y – II www.ibscdc.org 1 Transformation Corporate Transformation Korean Air: Chairman/CEO Yang-Ho Cho’s Radical Transformation A series of fatal accidents, coupled with operational inefficiencies snowballed Korean Air into troubled times. Then, at the beginning of the 21st century, its CEO/ Chairman, Yang-Ho Cho undertook various transformation initiatives - for instance, improving service quality and safety standards, technology integration, upgrading pilot training, better business focus; putting in place a professional management team, improving corporate image through sponsorship marketing, etc. He gave a new corporate direction in the form of '10,10,10' goal. However, Korean Air is held up by a slew of challenges. Among which are inefficiencies of - Chaebol system of management, possible clash of its cargo business with its own shipping company, limited focus on the domestic market and growing competition from LCCs. How would Korean Air manage growth as a family-owned conglomerate? The case offers enriching scope for analysing a family business’s turnaround strategies, with all the legacy costs involved. Pedagogical Objectives • To discuss the (operational) dynamics of Korean Chaebols - their influence/ effects on the country’s industrial sector and the economy as a whole • To analyse how family-owned businesses manage the transition phase - from a supplier-driven...
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...Factors for Business having an International presence * Strategic Objectives * Theory of Comparative Advantage * Impact on host country when business is setting up and trading * Incentives by host country to business * Impact of business activities on competitors, customers, suppliers and business itself * Effectiveness of international business | 26 | * 12.3- Explore the dynamics of international organizations on one chosen business in a globally competitive environment * How EU and WTO affect the international business * Benefits of membership * Limitations of membership | 30 | * 12.4- Examine and evaluate the growth and influence of multi-national operations * Why business have become international * Impacts on developed and developing countries * How wealth of multi-nationals influence host countries | 39 | * Conclusion | 44 | * Bibliography | 45 | ACKNOWLEDGEMENT This was the most fun way of learning things and a wonderful experience according to my opinion on the Applied Business Assessment. This was a...
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...SUMMER INTERNSHIP REPORT ON Hindustan Coca-Cola Beverages Pvt. Ltd. Submitted in partial fulfilment of the requirement for the award of degree of Bachelor of Business Management of Christ University, Bangalore-560029 By Mr. ARUN KUMAR MAURYA 0911306 Under the guidance of Mrs. PHINU JOSE Department of Management Studies Christ University, Bangalore-560029 2011-2012 DECLARATION I hereby declare that, this report titled, “Summer Internship Report”, project work carried out by me under the supervision of Mrs.Phinu Jose of Department of Management Studies, Christ University, Bangalore. This work previously has not formed part of any basis for the award of any degree or diploma offered by any institution or university. This is a record of bona fide and original work submitted by me in partial fulfilment of the requirements for the award of degree of Bachelor of Business Management. Place: Bangalore Date: _____________ ARUN KUMAR MAURYA 0911306 ACKNOWLEDGEMENT I would like to express my profound gratitude to all those who have been instrumental in the preparation of this “Summer Internship Report”. I wish...
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