Part 1 Bank Structure and Regulation in the UK The uk’s banking system falls into the “restricted universal” category because banks are discouraged from owning commercial concerns. It is made up of: commercial banks consisting of the “big bang” uk banks, HSBC (Hong Kong & Shanghai Banking Corporation), the Royal Bank of Scotland group, HBOS … Read More
Healthy Banking: The way towards increased financial inclusion Contents Abstract Introduction Recommendations A. Sight Impaired B. Hearing loss C. Physical disabilities Conclusion References Abstract The Bank of Mauritius’ initiative ‘Banking Your Future’ to promote a fair and inclusive banking sector has been launched in June 2014 to investigate the 100 possible ways in which the banking … Read More
Allied Irish Bank performed the Market Entry Strategy to expand their business size. Stated below is the brief of their strategic evaluation in the aspect of suitability feasibility & acceptable. Suitability – Build on/exploit strengths In the late 1990s and early/mid-2000s, and capitalized on the buoyant housing market, booming business banking profits and much lower … Read More
State Bank of Patiala is a public sector bank in India with its headquarters at Patiala, a city in the state of Punjab. The bank is an associate of the State Bank Group and offers core banking solutions to its customers. State Bank of Patiala (SBP) was established in 1917 by the king of the then … Read More
Before the start of my second year of PGDBM, I got an opportunity to have a corporate exposure at ICICI regional bank. In addition to this exposure, it also allowed to implement some of our course learning to real business world situations. My internship with ICICI regional bank started on 28th June and extended till … Read More
The assumption about switching cost is rather natural to the extent that borrowers’ satisfaction or dissatisfaction about a bank can be different according to individual preference to banks’ services and borrowers can measure them exactly only after having the relationship. Switching costs may capture direct cost of closing an account with one bank and opening … Read More
Central banks always have responsibility to keep a stable economy which includes stable prices, low inflation rate and confidence in the local economy. The main tool used by central banks for these propose is monetary policy which will influence the interest rate, and the way of conduct it varies from country to country. This essay … Read More
EXECUTIVE SUMMARY Banks believe that they are in the finance industry, and not in the service industry. Thus they tend to compete in terms of financial prowess rather than service quality. People, resources, time, and systems are devoted more to managing assets and cash rather than managing customers and service. In fact most bank systems … Read More
Introduction The origin of central banking system can be traced back to 1694 when the Bank of England came into being as the first ever central bank. The bank was established to help King William III out of his government’s financial crisis but it did not behave as a lender of last resort until much … Read More
Discuss factors which have decisively contributed to the fragility of the contemporary banking sectors, as revealed in the form of the recent global financial crisis. Prepared by: Ivan Gnatiuk 37193 Artem Zaiets 36981 Mark Pohodin 37141 Introduction Firstly, crisis was originally started in US where it was a result of provided social policy. In … Read More
Stability of Canadian Banking Sector in the Face of the Global Financial Crisis In September 2008 what started out as a housing bubble transformed into the worst recession that the United States had seen in decades. Although the crisis started in the developed countries, primarily the US and European countries, all countries around the world … Read More
THE BANKING ACT OF 1933: AN EXAMINATION OF THE PAST AND PRESENT ABSTRACT During the 2016 election, one of the issues discussed by the candidates from Bernie Sanders to Hilary Clinton and even Donald Trump was whether to reenact the Glass-Steagall Act. The Glass-Steagall Act was four provisions within the Banking Act of 1933. The … Read More
One of the major concerns for the Internal Revenue Service (IRS) is tax evasion. It was estimated that the amount of money stashed offshore is between a couple of trillion dollars to almost thirty trillion dollars (The Economist, 2016). Tax evasion, specifically offshore tax evasion, is one of the biggest reasons for the difference in tax … Read More
Canadian Commodity Prices and Exchange Rate Dynamics: Evidence of Structural Change 1. Introduction Canada is a small open economy and a large exporter of goods, services, and commodities. Coined as a “commodity currency” in 2003 by a paper written by Yu-chin Chen and Kenneth Rogoff, Canada has long held a comparative advantage in the distribution … Read More
The role of securitized lending and shadow banking in the 2008 financial crisis The financial crisis of 2008 started and engulfed the banking system of the United States and spread to many large European countries (Coffee, 2009) because of the financial institution’s fault was the excessive of borrowing, risky investments, a decrease in collapsing of mortgage … Read More
Comparative Risk Assessment Report National Australia Bank Ltd Contents Executive Summary Strategic Risk Strategic risk analysis – NAB Comparison of Big Four Banks Interest Rate Risk Interest rate risk analysis – NAB Comparison of Big Four Banks Market Risk Market risk analysis – NAB Comparison of Big Four Banks Credit Risk and Credit Portfolio … Read More
Loan Risk Analysis in Banking Sector , London, UK Abstract: Purpose: A Bank is a financial institution which takes deposits from the public and provides credits to the customers, companies, etc. Banks basically make money by lending money at rates higher than the cost of money they lend and are one of the major pillars … Read More
The World Bank & IMF in Ghana Ghana Before the World Bank & IMF Ghana was the first colony in Africa to gain independence on March 6th, 1957. It was now under the leadership of Dr Kwame Nkrumah who was democratically elected. On independence the economy appeared stable and prosperous. Ghana was the world leading … Read More
Critical overview of the retail banking sector Introduction It is undeniable that strong forces are changing the retail banking industry. These changes are due to several different elements such as shifting customers’ expectations, changing technological capabilities, stronger regulatory requirements and fierce competition imposed by non-traditional players. Previously, the industry was rather slow to change, followed … Read More
“Explain how banks create money and use the insights from Kindleberger and Minsky to discuss why credit booms can result into financial crises.” Money is generally any token or commodity that is widely acceptable as a means of payment which has several functions in the economy. First of which is that money is primarily a … Read More
The World Bank The World Bank was founded in 1944 following World War 2 with the aim to help rebuild the cities that were negatively impacted in the war. It made loans to countries where most of the city was destroyed with the main objective being reconstruction. After a couple decades, reconstruction was no longer … Read More
Critically discuss why it is important to communicate in a fair, clear and non-misleading way with clients and the pitfalls of inaccurate communications. Introduction. The Financial Conduct Authority (FCA) principles to treat customers fairly (TCF), communicate clearly and not provide misleading information play a significant role in financial organisations especially since the financial crisis in … Read More
‘Comparing the Conceptual and Operation Performance of Islamic and Conventional Banks’ Islamic banking is an Ethical banking system, and its principals, function and operation modes are fully based on Islamic law (Shariah). While on the other hand, conventional banking is a banking system and its principals, function and operating modes are fully based on man-made … Read More
PL had been started by Loretta and Jimbo five years ago. The business is a designer and manufacturer of casual and leisure clothes aimed particularly at the younger, higher income market. Before starting the business both Loretta and Jimbo had been employed as senior managers with White Hart Plc, a large UK clothes manufacturer. They … Read More
Central banks always have responsibility to keep a stable economy which includes stable prices, low inflation rate and confidence in the local economy. The main tool used by central banks for these propose is monetary policy which will influence the interest rate, and the way of conduct it varies from country to country. This essay … Read More
Task 1 HSBC is known as one of the largest banking and financial services organization in the world. . It has established businesses in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. In 1991, HSBC holdings were incorporated in England, with its head office based in London. In 1999, the company established … Read More
At the end of year 2008, economists suggested that the economy may be led to -or already in- a recession when economic growth was decelerating. The official definition of a recession is two successive quarters with a decline in gross domestic product (GDP). However, the National Bureau of Economic Research (NBER) identifies that a recession … Read More
This report analysis’s the largest bank of Pakistan MCB. MCB was founded over 50 years ago in Pakistan, it has got a network of over 1026 branches, 750 are automated branches and 300 MCB ATMS in 41 cities of Pakistan. MCB has a network of over 12 banks on the MNET ATM switch. The aim … Read More
Chapter-2: Literature Review 2.1. Introduction Investigators have been analyzing amalgamations and takeovers in the context of their characteristics and the impact on the development of both the entities over the past several years. In actuality, Weston et al. (2004) opine that the experts and researchers in the field have provided a large quantity of records … Read More
Part 1 Bank structure and Regulation in the uk. The uk’s banking system falls into the “restricted universal” category because banks are discouraged from owning commercial concerns. It is made up of: commercial banks consisting of the “big bang” uk banks, HSBC (Hong Kong & Shanghai Banking Corporation), the Royal Bank of Scotland group, HBOS … Read More
State Bank of Patiala is a public sector bank in India with its headquarters at Patiala, a city in the state of Punjab. The bank is an associate of the State Bank Group and offers core banking solutions to its customers. State Bank of Patiala (SBP) was established in 1917 by the king of the then … Read More
Before the start of my second year of PGDBM, I got an opportunity to have a corporate exposure at ICICI regional bank. In addition to this exposure, it also allowed to implement some of our course learning to real business world situations. My internship with ICICI regional bank started on 28th June and extended till … Read More
What are the main risks faced by banks and how does a bank attempt to manage these risks? All companies which have a profit maximising objective hold a certain degree of risk whether through microeconomic or macroeconomic factors. Banks also face a number of risks atypical of non financial companies due to the payment and … Read More
Allied Irish Bank performed the Market Entry Strategy to expand their business size. Stated below is the brief of their strategic evaluation in the aspect of suitability feasibility & acceptable. Suitability -Build on/exploit strengths In the late 1990s and early/mid-2000s, and capitalized on the buoyant housing market, booming business banking profits and much lower write-offs … Read More
1. Introduction With assets of US $1,502 billion, HSBC Holdings is one of the largest banking and financial services organisations in the world.1 It provides a comprehensive range of financial services including personal financial services, commercial and corporate banking, investment banking and markets, private banking, and other activities. HSBC’s international network comprised over 9,500 offices … Read More
Introduction The origin of central banking system can be traced back to 1694 when the Bank of England came into being as the first ever central bank. The bank was established to help King William III out of his government’s financial crisis but it did not behave as a lender of last resort until much … Read More
“There is overwhelming demand for high quality accounting standards that are internationally accepted. It is of the utmost importance that the IASB delivers these as quickly as possible.” Required: a) Outline the current structure of the IASB, highlighting the major influences and controls on it. (30%) b) Explain the main advantages of high quality, internationally … Read More
A Critical Discussion of the Major Functions Performed by Investment Banks. Glossary Abstract …………………………………………………………..………………. 2 Chapter 1 –The Major Functions of Investment Banks ……………………… 3 Summary ……………………………………………………………..………. 3 Bills of Exchange …………………………………………..………………… 4 Corporate Finance ……………………………………….…………………… 4 Investment Management …………………………………………….……….. 6 Chapter 2 – Conclusions and Recommendations …………..………………… 10 Bibliography …………………………………………………..………………… 12 Abstract Investment banks … Read More
EXECUTIVE SUMMARY Banks believe that they are in the finance industry, and not in the service industry. Thus they tend to compete in terms of financial prowess rather than service quality. People, resources, time, and systems are devoted more to managing assets and cash rather than managing customers and service. In fact most bank systems … Read More
HISTORY OF BANKING SECTOR The first bank in india ,was established in 1786.from 1786 till now ,the journey of Indian banking system can be segregated into three distint phases . Early phase from 1786 to 1969 of Indian banks Nationalisation of Indian Banks and up to 1991 prior to Indian banking sector Reforms. New phase … Read More
Ch. 1 Introduction This chapter provides a brief background of Islamic banking in the World as well as in the UK about its system and practice. The Islamic financial law has long history but Islamic banking and finance industry came into existence with Profit and Loss Sharing investment. Egypt’s Mit Ghamr Saving Banks in 1963. … Read More
Management Information System The world’s local bank About HSBC BANK Headquartered in London, HSBC is one of the largest banking and financial services organizations in the world. HSBC’s international network comprises around 9,500 offices in 85 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. With listings on the … Read More
INFORMATION SYSTEMS IN BANKING INDUSTRY Executive Summary: Information systems are extremely vital for the growth and survival of business organizations in today’s world. All sectors of the industry are entirely dependent on these for the management of important information and data. Small organizations to large, powerful businesses such as high street banks and central and … Read More
Barclays is a major global financial services provider engaged in retail and commercial banking, credit cards, investment banking, wealth management and investment management services, with an extensive international presence in Europe, the USA, Africa and Asia. With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs over … Read More
CHAPTER 1: INTRODUCTION 1.1 COMPANY PROFILE HDFC bank was founded in august 1994. It was among the first companies to receive an ‘in principle’ approval from the Reserve Bank of India (RBI) to set up a branch in the private sector. The bank operated as a commercial bank under the liberalization policies of RBI. In … Read More
Abstract The Bank of Mauritius’ initiative ‘Banking Your Future’ to promote a fair and inclusive banking sector has been launched in June 2014 to investigate the 100 possible ways in which the banking sector could be improved. Based on the above project, this report aims at analyzing the nature, dynamics and degree of financial exclusion … Read More
Introduction Berger, Molyneux and Wilson (2010) are of the view that banks provide a full range of financial service like banking, securities, and insurance under a single corporate structure and must be supported by the single capital base, the term “universal bank” has multiple meanings, but commonly it refers to the commercial banking that is … Read More
Literature Review Part I (Covering Aim 1 and 3) [No of words: 1665] In many countries, the entry of foreign banks has been increased on a high scale during the 1990s especially in the countries which are less developed. Due to financial linearization policies, the entry of foreign banks operations increased during the early 1990s … Read More
Electronic Banking in Pakistan 1. PROBLEM AND ITS BACKGROUND 1.1. INTRTODUCTION As the world has entered the twenty first century, one thing has become all too apparent, any organization that wishes to succeed in today’s cutthroat competition will have to embrace Information Technology (IT) with fervor. In this age of Information Technology new inventions and … Read More
ISLAMIC BANKING AND FINANCIAL CRISIS. Islamic banking is a very young concept even though it has already been implemented as the only system in two Muslim countries; there are Islamic banks in many Muslim countries, and a few in non-Muslim countries as well. Despite the successful acceptance there are problems. These problems are mainly in … Read More
