...BBVA Compass: Case Study Analysis Executive Summary BBVA Compass, the fifteenth largest bank in the United States, is operated by BBVA bank in Spain. They entered the US market in 2004 and expanded through mergers and acquisitions. It is positioned as a regional bank across seven states. They are planning to stay in the same geographical area, and become one of the top ten banks in the United States. With the beginning of the financial crisis in 2008, and the peak by 2010 almost all banks were going through a tough period. Government regulations on fees and consumers were leaning towards spending less positioned the banks in a difficult situation, including BBVA Compass. With their decreasing marketing budget, the bank had less than $50 million in 2011 to achieve several different marketing goals, and the money had to be used in an efficient way. On top of these they also had other problems like going against the norm and spending a substantial amount on TV and online, drop of brand awareness after adopting a new name, low conversion rates and ad network’s target market duplication. The recommended plan of action would be increasing the level of online presence by focusing more on social media channels and digital marketing, and focusing more search engine optimization. The bank should also work with the media agency to avoid ad duplication to target markets. Introduction BBVA Compass is the fifteenth major bank in the United States with $49 billion in deposits...
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...ATHE RETURN OF JAY SIDHU SARAH BLOOM RASKIN: Q&A magazine a With inent nBa prom sorship, spon essive aggr ology n tech ades upgr leek and s ouston , h neW quarters head compass BBva the puts ight on l spot turist l its fuing mode Bank e am G O BBVA Manolo USA’s Sánchez n 2013 m mber o Septe nbanker.c a meric a GAME ON BBVA Compass’ prominent NBA sponsorship, game-changing core platform upgrade and high-tech new headquarters tower–deep within the heart of its Texas base of U.S. banking operations–have opened a new playbook for the Spanish-owned franchise. Its futuristic banking model is attracting the spotlight and giving it the means to grow both in and out of its branch footprint. BY GLEN FEST Francisco González is BBVA’s global chairman and CEO. “When you look across the houston skyline,” says Francisco González, chairman and CEO of BBVA Group, “there’s not one building that defines it.” True enough. In the biggest city in Texas, there is no Space Needle, no Empire State Building, no Gateway Arch, no Sears (or make that Willis) Tower. Houston has Heritage Plaza, the JPMorgan Chase Tower and the Wells Fargo Bank Plaza, but nothing on the iconic scale of the postmodern Cuatro Torres (Four Towers) in BBVA’s corporate home of Madrid, or even Dallas’ Reunion Tower, capped by a bulging-ball design. No, in Houston, the city’s primary architectural achievement, the Astrodome, sits vacant and neglected, and the former Enron Tower now goes by the less-than-catchy...
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...Tarleton State University Fall 2012 - Business And Society (G-B-103-052) David J. Plotkowski 000415004 Professional Interview Assignment October 15, 2012 BBVA Compass Bank Mark Lewendowski – PSS BBVA Compass Bank Professional Interview 11:00am Mark, why did you decide to enter the field of Healthcare Banking? “Healthcare in general is very stable employment environment. People are always going to need a physician or go the hospital. I started out in healthcare provider sales and worked my way up to selling revenue cycle platforms. With the growing number of electronic requirements for electronic funds transfer and payment reconciliation this position keeps me in a rapid growth market with stability to grow my future in banking as well as healthcare.” What appeals to you about your position? “The pay and benefits are great of course but just being around people and providing physicians and hospitals a solution to help them overcome the shortcomings of their systems really makes me feel satisfied at the end of the day.” How did you find the job? “One of my colleagues from another company actually ran across the position. He recommended me to Compass. In the healthcare industry you seem to always run into the same people. It is best to stay in touch and I recommend you keep very reputable. This may open other opportunities.” Does the position fit your background or did you have to make adjustments to the banking part of the healthcare market? “I believe...
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...statements are the logical steps on how the business is going to reach the vision statement and keep up to its mission statement. Statements A. BBVA Compass Bank experienced five bank acquisitions throughout the past five years and has evolved to ensure one stop service to their customers and promote additional opportunities for sales, by building rapport with current books of business. They are hoping to change the significance of banking by becoming a global universal bank to their customers. B. Mission Statement- BBVA is a global group that offers individual and corporate customers the most complete range of financial and non-financial products and services by being a universal bank (bbva.com). Vision Statement- BBVA, building a better future for people (bbva.com) Strategy Statement- BBVA is a financial services group that strives to grow stronger through improvements in efficiency, profitability and capital adequacy commensurate with competitive advantage (bbva.com). Statement Validation A. As the mission, vision, and strategy statement are to be used as tools to embrace the organization’s purpose, existence, and future development. As change agents tend to be a huge factor in all of these preceding statements, the vision statement will define the best attributes of BBVA that makes it better than its competitor. The mission statement notifies what is happening now and creates...
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...In 2010, BBVA was the second largest bank in Spain (48 million customers and 104,000 employees). Through an acquisition, it entered the US market in 2004. By 2009, it had established itself as the fifteenth largest commercial US bank and a significant regional player in the Sunbelt region. BBVA has three primary lines of business: retail banking for consumers and businesses, corporate and commercial banking, and wealth management. Their goal is to become one of the top-10 banks in the US. BBVA’s target demographics is consumers identified as “strivers”, upwardly mobile 25-54 years old with an annual income of more than $75,000. The primary marketing goals for BBVA, through online and offline channels, are to build awareness and trust in their brand, support their various lines of business (savings, checking, mortgage, commercial), and to improve satisfaction and retention of current customers. However, there is a slight difference in expectations between online and offline. The major goal for offline marketing is to build brand awareness and consideration among potential customers. Online goals are to build online brand awareness and acquire new customers. BBVA’s conundrum is how to best allocate their 2011 marketing budget of approximately $50 million between online and offline platforms. Our overall recommendation is to increase marketing funding to online advertising in order to gain more customers. Currently, only 5% of BBVA customers are acquired...
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...Another popular theory is based upon human error because the Triangle is one area out of two in the entire world where the compass points magnetic north, instead of true north. This can cause a difference of up to 20 degrees in compass readings, which could lead one way off course (Quasar). The Triangle’s environment also poses a different theory. Extreme, unexpected weather patterns have been known to take place in the area, for example, hurricanes and electrical storms. Plus, the Gulf Stream is powerful enough to wipe away all evidence of boats and planes that may have become caught in these storms...
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...Instrumentation & Avionics (Nov 10-13, 2015) The following questions based on the knowledge of chapter 7 Pitot-static instruments Airspeed and airspeed indicator The altimeter and Altitudes Gyroscopic instruments Attitude indicator Turn Coordinator Heading indicator 1. When activated, an emergency locator transmitter (ELT) transmits on A. | 400 MHz (current models) and 121.5/243.0 MHz (older models) | B. | 406 MHz (current models) and 121.5/243.0 MHz (older models) | C. | 400 MHz (current models) and 121.5 MHz (older models) | | 1. Answer B is correct. An ELT is an Emergency Locator Transmitter. ELTs are designed to automatically activate in the event of a crash and send out a signal that can be heard by SAR (Search and Rescue) personnel. * Modern ELTs operate on 406 MHz. These encode your aircraft's identification into the signal they send, and also encode your exact location if the ELT is coupled to an appropriate GPS. 406 MHz ELTs are monitored by orbiting satellites (global coverage) which are designed to alert appropriate SAR (search and rescue) personnel. * Older generation ELTs operate on 121.5 MHz. These do not encode an aircraft identification and also for other reasons have traditionally had a high false-alarm rate. While 121.5 MHz are still installed in many GA aircraft, it is recommended that operators switch to current generation ELTs. In either case, the ELT is generally a brightly colored box (yellow, red, or orange, typically)...
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...magnetize 3. site some uses of magnet 4. perform the activity with discipline, collaboration and cooperation Background: A magnet is any object that has a magnetic field. It attracts ferrous objects like pieces of iron, steel, nickel and cobalt. In the early days, the Greeks observed that the naturally occurring 'lodestone' attracted iron pieces. From that day onwards began the journey into the discovery of magnets. These days magnets are made artificially in various shapes and sizes depending on their use. One of the most common magnets - the bar magnet - is a long, rectangular bar of uniform cross-section that attracts pieces of ferrous objects. The magnetic compass needle is also commonly used. The compass needle is a tiny magnet which is free to move horizontally on a pivot. One end of the compass needle points in the North direction and the other end points in the South direction. The end of a freely pivoted magnet will always point in the North-South direction. The end that points in the North is called the North Pole of the magnet and the end that points South is called the South Pole of the magnet. It has been proven by experiments that like magnetic poles repel each other whereas unlike poles attract each other. http://www.howmagnetswork.com/ Materials Needed: * Fishing Poles made with meter stick with hanging magnet * Ziploc/ Plastic Bags filled with about 10-12 items (metal, paper, wood, cloth, etc) * Paper & Pencils, * Manila...
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...Comrade Compass is the character who wanders around the entire park. He knows the layout of Exploration Fixation like the back of his hand and is always helping the guest get to where they want to go. If you are lost Comrade is the one to go to. His needle is always pointed west, representative of how the explorers were always looking for more land, more resources, and more wealth in the frontiers of the New World. He can discuss his role in the Age of Exploration along with the other technological innovations. Not only this, but Comrade Compass is very adept in all the motivators for European exploration such as: wealth, religion, and glory. Along with being very helpful, Comrade is the character that perfectly captures the overall theme of the park. New Spain The four different sections of the park are based off of the locations in which the European countries sent their explorers. The New Spain section is designed to look...
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...PART 1 BASIC LAND NAVIGATION PART 1 Basic Land Navigation USING THE MILITARY LENSATIC COMPASS PART 1 Basic Land Navigation WARNING This presentation is intended as a quick summary, and not a comprehensive resource. If you want to learn Land Navigation in detail, either buy a book; or get someone, who has the knowledge and skills, to teach you in person. PART 1 Basic Land Navigation NOTE To get the ideas across presented on these slides, many figures, pictures, and calculations may not be to scale and may be exaggerated for clarity. PART 1 Basic Land Navigation Note: Prior to being issued any training *equipment, you will be required to sign a “statement of liability” agreeing to pay for anything you damage or lose. All items will be inspected and inventoried prior to your signature and at the end of the training day too. If you do not intend to sign this statement, then you may be denied training. * You may use your own equipment. PART 1 Basic Land Navigation Any Questions? PART 1 Basic Land Navigation LAND NAVIGATION WITH MAP AND LENSATIC COMPASS PART 1 Basic Land Navigation LAND NAVIGATION Why Learn Land Navigation? Training and practicing land navigation on foot provides the following everyday navigation (how not to get lost) benefits; - Tracking present location (Where am I ?) - Determining Distance (How far is it and am I there yet ?) - Sense of direction (Where do I want to go and where am I actually going ?) - How to read a topographic map (Do...
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...Magnetic compass The magnetic compass has been used for navigation for hundreds of years. At one time, it was the only reliable means of direction-finding on days when the sun and stars were not visible. Nowadays, sophisticated equipment is available that enables users to determine bearings accurately and to pinpoint locations to within a few metres. However, such equipment has not made the compass obsolete. It is still a very practical tool for navigation for many small craft and for people on foot. Even airplanes and ships equipped with more sophisticated equipment often carry compasses as backups. Compasses come in a variety of shapes and sizes depending on their intended use. The type of compass used on a ship or aircraft is a complex electronic or mechanical device capable of compensating for both the motion of the craft and its metallic structure. At the other extreme are small pocket compasses of low precision intended for casual use. Regardless of their intended purpose or the complexity of their construction, most mechanical compasses operate on the same basic principle. A small, elongated, permanently magnetized needle is placed on a pivot so that it may rotate freely in the horizontal plane. The Earth's magnetic field exerts a force on the compass needle, causing it to rotate until it comes to rest in the same horizontal direction as the magnetic field. Over much of the Earth, this direction is roughly true north, which accounts for the compass's importance for...
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...PL 530 CHRISTIAN COUNSELING THAT REALLY WORKS COMPASS THERAPY IN ACTION BY DR. DAN MONTGOMERY PUBLISHED BY COMPASS WORKS, 2006 PAPER WRITTEN BY REV. STEVE BUSE MASTER’S IN CHRISTIAN COUNSELING PAPER PREPARED FOR NEWBURGH THEOLOGICAL SEMINARY AND COLLEGE OF THE BIBLE SUBMITTED FOR GRADING ON JANUARY 12, 2016 The book Christian Counseling That Really Works was a great book to read. It gives examples of twenty five techniques that one can use in counseling. The book talks about the compass therapy approach, which I thought would be a very helpful tool when working a counseling session. I am looking forward to putting some of these techniques into action in the years to come. The Compass Therapy combines counseling or therapy with Christian beliefs. A counselor must use good counseling techniques with Christ’s healing power. Study cases have shown the there are two polarities that make up a persons personality. These polarities are love/assertion and weakness/strength. These polarities make up what they call the LAWS of personality and relationships. These LAWS can help you choose between healthy and unhealthy personalities. The LAWS break down into four quadrants of a circle. The four quadrants are called love, assertion, weakness and strength. The circle represents boundaries. These boundaries separate people from the world giving each person their own...
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...Investigations Manual 10A Answers 1. (counterclockwise and inward) (clockwise and outward) 2. (near Earth's surface) (in the middle and upper troposphere) 3. (falls) (rises) 4. (warm) (cold) 5. (warm) (cold) 6. (southeast) (northwest) 7. (shrinks) (increases) 8. (rise) (fall) 9. (falls) (rises) 10. (falls) (rises) 11. (southeast or east) (west or northwest) 12. (southeast or south) (west or northwest) 13. (increases) (decreases) 14. (ahead of) (behind) 15. (narrower) (wider) 16. (clockwise) (counterclockwise) 17. (warm) (cold) 18. (warm) (cold) Applications 19. (cold) (warm) (stationary) 20. (cold) (warm) (stationary) 21. (clockwise and outward) (counterclockwise and inward) 22. (northeast) (southeast) (northwest) 23. (southeast) (northwest) (northeast) 24. (warmer and had greater) (cooler and had lower) 25. (north of the warm front) (in the warm sector between the warm and cold fronts) (behind (west of) the cold front) 26. (north of the warm/stationary front) (north and west of the Low center) (in both of these areas) 27. (ridge) (trough) 28. (south) (east) (north) (west) 29. (south) (east) (west) 30. (south) (east) (west) 31. (did) (did not) 32. (cold) (occluded) (stationary) 33. (1000) (1004) (1006) mb 34. (2) (3) (6) mb 35. (in a single intense squall line) (scattered in a broad band along the East Coast) 36. (were) (were not) ...
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...He worked on book adaptations to screen with The Golden Compass and New Moon, making A Better Life something new in his work. His change in movie styles can contributed to Weitz saying, "he wanted to direct A Better Life because he wanted to get in touch with heritage." Weitz wanting to connect to his heritage is understandable because it seems only natural, to me at least, to seek and learn about a part of you that you probably did not care enough to understand when you are...
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...Option 1: Work Independently The Arguments Here are the two arguments you will be debating. Argument A: There is a need for students to understand and be able to construct geometric figures using a compass and straightedge. Argument B: There is no need for students to use a compass and straightedge, and all geometric constructions should be done using a drawing program. There are two opposing arguments listed above. You need to choose which one you will support as your argument. Formulating an argument takes research and time to get yourself to the point where you can defend your position thoroughly. Criminal defense attorneys may not believe their client is innocent, but it is their job to defend that person to the best of their ability. Step 2: Tips on Formulating Your Argument Think, Think, Think. Ask yourself lots of questions about each side of the topic, and then answer them through research, your opinion, and your experiences with both sides of the argument. One helpful tip for doing this is creating a pro and con list for each argument. What are the good qualities of each? What are the bad qualities? Why is each method used in the course? What is the history of each? How is each method helpful in understanding Geometry? Be sure to document all of your sources. You will be asked to provide a list later. Be sure to follow the guidelines and safety precautions for completing Internet searches. Think from the other side. It is impossible to refute, or prove false...
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