...EC3205-ECONOMICS OF INFORMATION BNP PARIBAS BNP is a French bank and financial services company with headquarters in Paris and a second global headquarters in London.it was formed through the merger of banque Nationale and Paribas in 2000 and is one of the largest banks in the world. Based on 2012 information BNP Paribas was ranked as the fourth largest bank in the world, as measured by total assets, by Bloomberg and Forbes. In 2013 BNP Paribas was awarded the bank of the year award by the international Financing review. “The IFR awards are a key industry benchmark and bank of the year is the top honour awarded.” Thomas Reuters, leading financial industry publication. Market structure Firms will maximise profits at the output level where marginal revenue =marginal cost. The fact of the matter is firms operate in a large variety of environments. These different environments are based on different market conditions that influence the behaviour of different firms in different ways. In order to analyse these behaviours, economists have identified characteristics that make some firms similar to each other and other firms different from one another. This has led to the study of firms based on four main market structures. * Perfect competition * Monopolistic competition * Oligopoly * Monopoly The features of each market structure relate to differences in the demand curves faced by firms in each category. The identifying characteristics for each type...
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...2) Analysis of Strategies: BNP Paribas has four core values in which it instills in each aspect of its business. The first is Responsiveness, this signifies the speed in the assessment of new developments, identifying opportunities and risks and efficiency in decision making. The second is Creativity this encourages new initiatives and recognizes contributions. The third is Commitment to clients and shareholders with exemplary behavior. The fourth is Ambition, to aspire for leadership and challenges with the desire to obtain group success. BNP implements an integrated cost-leadership/differentiation business level strategy. They do not only offer the widest array of products but the most cost efficient as well. The firm is focused on increasing customer satisfaction, matching client needs, and developing customer loyalty offering services to individuals, families, small businesses and large corporations. In regards to the firm’s corporate level strategy, BNP Paribas has three highly diversified business units; Retail-banking, Corporate & Investment Banking and Investment Solutions. Retail-banking is the largest. It constitutes 45% of their revenues and employs 59% of their 200,000+ employees. It includes personal savings/checking accounts, online banking, etc. The main needs of clients satisfied by this division are guarding their money with a competitive interest rate, providing them with credit, managing investment portfolios and retirement funds etc. Corporate &...
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...Description - APAC Job Title | 2015 APAC Graduate Program – Fixed Income – Corporates Group Asia | Date | | Department | Fixed Income Marketing | Location | Hong Kong | Business Line / Function | Fixed Income | Reports to | Hierarchical | | Grade(if applicable) | Graduate Associate | | Functional | | Number of Direct Reports | None | Directorship / Registration | None | | | Position Purpose | BNP Paribas has a presence in nearly 80 countries with over 180,000 employees. It ranks highly in its three core activities: Retail Banking, Investment Solutions and Corporate & Investment Banking. In Asia Pacific, the BNP Paribas Group is a leading employer with 9,000 employees* and a presence in 14 markets. Being one of the largest international banking networks, we strive to employ talented and innovative people who are aligned to our vision and culture. The Graduate Program is a comprehensive 24 month program designed to equip graduates with the technical skills and individual competencies to embark upon a successful career within the BNP Paribas Group. This opportunity includes a formal mentoring program, graduate community initiatives, relevant technical training and on- the- job learning from our senior managers and highly experienced team members. * Corporate & Investment Banking and Investment Solutions divisions (excluding partnerships) | Responsibilities | To analyze Corporate financial reports and identify relevant Fixed Income exposures for...
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...official representative in your university! Your role will be very important for us to gain awareness about ACE Manager and we hope that your involvement in the project will be strong! As an Ace Manager Ambassador, you will be an official spokesperson for BNP Paribas Ace Manager and it is important that you understand the game’s procedures to be prepared to respond to different questions coming from your fellow students. Your Tasks: * Respond as best as you can to questions coming from your fellow students. * Talk about your own experience of Ace Manager. * Create a “buzz” (word of mouth) on your campus and get classmates motivated. * Try and get a maximum number of game registrations (you will be competing with students from other universities!). Your Activities: * Follow-up of the posters and flyers to make sure their visibility and in your school * Participate on the Ace Manager Blog to tell others about your experience and participate on The Ace Manager fan pages on social networks (Facebook, Twitter, etc…) * Suggest what kind of events to hold at your school that help the promotion of Ace Manager. * Act as the link between your school and the BNP Paribas local teams to organize and contribute to these on campus events during the promotion phase from start to finish (preparation, feedback, etc.) * Help out and participate from the preparation until the success of local finals to be held if applicable...
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...Table of content 1. History and Definition…………………………………………………………………3 2. Evolution of Bancassurance……………………………………………………………4 3. Bancassurance Model………………………………………………………………….5 4.1 Simple agreement………………………………………………………………..5 4.2 Joint venture………………………………………………………………………5 4.3 Fully integrated…………………………………………………………………...5 4. Products of Bancassurance……………………………………………………………..5 5.4 Finance and repayments …………………………………………………………5 5.5 Credit insurance…………………………………………………………………..6 5.6 Simple standardized package products………………………………………….6 5. SWOT analysis………………………………………………………………………...6 6.7 Strengths ………………………………………………………………………….6 6.8 Weaknesses……………………………………………………………………….6 6.9 Opportunities……………………………………………………………………...7 6.10 Threats…………………………………………………………………………….8 6. Conclusion…………………………………………………………………………….8 1.History and Definition: Nowadays many financial institutions are trying to find new ways of earning additional money. One of the new and most profitable financial areas is Bancassurance. It is obvious that bancassurance was introduced by two strong financial organization bank and insurance companies. According to Marjorie Chevalier et al (2005) first companies which operated in this sphere were Spanish. It happened in 1970s when “ACM (Assurances du Crédit Mutuel) Vie et IARD (life and general insurance)” officially made cooperation between each other and started...
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...U.S. and European equity-index futures and Asian stocks retreated with the dollar, while Treasuries advanced after better-than-estimated Chinese growth and production data dimmed prospects for wide-scale stimulus to spur expansion. Standard & Poor’s 500 Index futures dropped 0.4 percent by 7:13 a.m. in London as contracts on the Euro Stoxx 50 Index slid 0.4 percent. The MSCI Asia Pacific Index retreated after its biggest jump in two years yesterday. Ten-year Treasury yields declined five basis points. The yen jumped 0.6 percent and the euro strengthened 0.2 percent as the Bloomberg Dollar Spot Index fell 0.2 percent. Gold touched a five-week high. While China’s economy expanded 7.3 percent in the third quarter from a year before, beating estimates for growth of 7.2 percent, it was still the slowest pace since 2009. China’s Communist Party leadership convenes its policy-setting plenum this week. The European Central Bank started buying covered bonds yesterday, people familiar with the move said, as it seeks to stave off the threat of deflation. “China’s data shows growth remains lackluster in the second half even though the government undertook stimulus and injected liquidity in the market,” said Benjamin Tam, a Hong Kong-based portfolio manager at IG Investment Ltd. “There won’t be big stimulus but there could be mini stimulus in the coming months. The focus is on the fourth plenum to see whether there could be significant changes in the reform policy.” The Asia-Pacific...
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...[pic] Example Application Form |Personal Information | |Title: |Surname: | |First Name: |Preferred Name: | |Country of Nationality: | | |Permanent Address: | |Preferred Contact Number: |Email Address: | |Do you have a Term Address? | |Secondary Education | |School |Examination |Subject |Grade | | | | | | | ...
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...into the dynamics of companies and markets with close collaboration at all levels of the client organization. This ensures that our clients achieve sustainable competitive advantage, build more capable organizations, and secure lasting results. Founded in 1963, BCG is a private company with 82 offices in 46 countries. For more information, please visit bcg.com. BNP Paribas has a presence in 75 countries and has more than 185,000 employees, including 145,000 in Europe. It ranks highly in its two core activities: Retail Banking & Services (comprised of Domestic Markets and International Financial Services) and Corporate & Institutional Banking. In Europe, BNP Paribas has four domestic markets (Belgium, France, Italy, and Luxembourg) and BNP Paribas Personal Finance is the leader in consumer lending. BNP Paribas is rolling out its integrated retail banking model across the Mediterranean region, in Turkey, in Eastern Europe, and throughout a large network in the western part of the United States. In its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas also enjoys top positions in Europe, a strong presence in the Americas, and solid and fast-growing businesses in the Asia-Pacific region. Corporate Treasury Insights 2015 As the Dust Settles . . . Marguerite Burghardt, Marc Carlos, Adrien Cipel, Stefan Dab, Nick Gardiner, Jacques Levet, Pedro...
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...Ace Manager Registrations are already opened! Dear Students, The end of first semester is approaching before Christmas holidays! Did you take a chance to participate in the Ace Manager? Ace Manager, the online business game designed by experts from BNP Paribas for students around the world, is back with its brand new edition! Registrations have started! Just go to www.acemanager.bnpparibas.com and register, don’t miss the chance! We have now already 3 500 students registered from all over the world and this year we are expecting 25 000, so if you want to be part of our Acers’ community, just go to the link and register. The competition is totally free of charge and the registration process takes only 5 minutes. The Grand Prize pool includes: 15 000 euros + a trip to Paris + ticket to French Open Final + internship opportunities. You are more than welcome to join the competition which brings together young talents! Our last edition Ace Manager 5th Set successfully attracted almost 19,000 students from 136 countries. The game this year consists of seven business cases, compiled by BNP Paribas’ experts, and covers the three core businesses of the Group – Corporate & Investment Banking, Investment Solutions and Retail Banking. It is a great chance to enrich your knowledge in finance and banking as well as marketing and management through an exciting and competitive game with intriguing scenario, captivating characters and takes place in a virtual 3D universe....
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...BNP Paribas Dossier Banque N°1 TOURDOT Mickaël MSc Apprentissage 2011-2012 Dossier Banque N°1 Sommaire I) Stratégie du Groupe ..................................................................... P 3 a) Organisation et statut du groupe ........................................... P 3 b) Stratégie du groupe .................................................................... P 6 c) Chiffres clés du groupe............................................................... P 12 d) Notations du groupe ................................................................... P 13 e) Organisation du contrôle interne ........................................... P 14 f) Conclusion ..................................................................................... P 14 II) Focus sur la banque de détail .................................................. P 15 a) La Banque de Détail en France (BDDF)................................. P 16 b) BLC Banca Commerciale ............................................................ P 17 c) BeLux Retail Banking ................................................................. P 17 d) Europe Méditerranée .................................................................. P 18 e) BancWest ....................................................................................... P 18 f) « Personal Finance »................................................................... P 18 g) « Equipment Solutions »...........................................
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...Overview of real estate industry The real estate industry is one of the fastest growing industries in our economy, with a Compound Annual Growth Rate of approximately 30%..A US$ 16 billion industry at present, it is expected to touch US$ 60 billion in the next five years. The sustainability of growth in the real estate industry has its roots in strong demand fundamentals: a. Rapid expansion of the IT/ ITES and business outsourcing industry b. Rising demand in the residential sector, encouraged by rapidly increasing income levels; c. Acceptance of shopping malls as “one stop destinations” for consumers; and d. Growing popularity of Special Economics Zones as preferred destinations for both manufacturing and service industries. Ansal api Ansal Properties and Infrastructure Limited (APIL), promoted by the Delhi based Ansal Group, is one of the prominent real estate developers in Northern India. The Group, headed by brothers Sushil and Deepak Ansal, is engaged in developing integrated townships, IT cities and commercial and residential complexes. Ansal Group has been a major player in the real state sector in the country since 1967. It is now regarded as one of the top most real state group in the country. Sobha Developers Ltd. (SDL) formerly Sobha Developers Private Limited It is an Indian multinational real estate developer headquartered in Bangalore, India and engaged in the business of construction, development, sale, management and operation of all or any...
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...| | La politique de diversité et la GRH | | | | Avril 2013 INTRODUCTION De nos jours, la diversité est devenue un terme de plus en plus populaire dans le domaine de la GRH. Alors qu’auparavant les discriminations reposaient essentiellement sur les différences économiques (bourgeois et prolétaires, riches et pauvres…), aujourd’hui elles se fondent sur des classifications identitaires telles que la couleur de peau, le sexe, la culture… Le concept de diversité poursuit l’idée d’une organisation sans discriminations ni injustices. Beaucoup clament que la diversité est source de performance pour l’entreprise. D’autres défendent l’idée suivante : alors que la diversité est d’abord implémentée dans une optique de suppression de toute forme de discrimination au sein de l’organisation, elle contribuerait au contraire à la consolidation des différences, incitant même certaines minorités à mettre en avant des attributs non observables (l’appartenance religieuse, par exemple). L’objectif de ce travail est donc d’analyser dans quelle mesure ces deux points de vue peuvent être considérés comme ayant une influence réelle sur l’organisation. Est-ce une réelle philosophie intégrée ou une stratégie commerciale ? Concept de diversité Le mot diversité intègre une dualité : * D’une part, les caractéristiques démographiques (origine, nationalité…) et les particularités sociologiques du personnel (sexe, âge, culture, handicap…). La diversité augmente la complexité de...
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...investors have refused to roll over existing credits. In the new tenders, banks bidding, say, at the ECB for funds, will receive dollars. But the Fed's actual counterparty will be the ECB, not the banks that use the facility, reducing the risks of the transaction for the Fed. [centrals0915] Agence France-Presse/Getty Images European Central Bank headquarters in Frankfurt. The euro surged by more than 1% against the dollar and the yen following the central banks' move. European equity markets also shot higher, led by shares of French banks, which have been tangled in the crosshairs of the continuing European sovereign-debt crisis over their exposure to Greece's debt. BNP Paribas SA shares traded 15% higher, while Crédit Agricole SA was up 8% and Société Générale SA was 7.4% higher. BNP Paribas and Société Générale have acknowledged that access to dollars through U.S. money-market funds has been...
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...COMPANY ANALYSIS SBI Life Insurance is a joint venture life insurance company between State Bank of India and BNP Paribas Cardiff. SBI owns 74% of the total capital and BNP Paribas Cardiff owns the remaining 26% of the capital. State Bank of India is the largest state owned banking and financial service company in India whereas BNP Paribas is a French multinational bank and financial service company with its global headquarters present in Paris. SBI Life Insurance has an authorised capital of ₹2,000 crores and a paid up capital of ₹1,000 crores. The company received a AAA/Stable/P1+ rating from Crisil Ltd in 2007. Vision: “To be most trusted and preferred life insurance provider” Mission: To emerge as the leading company offering a comprehensive...
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...a fixed stream of income payments (coupon). These repayments lead to the initial loan amount when the bond matures. * The “yield” (rate of financial return on a bond), is calculated by dividing the coupon payment by the bond price. * If interest rates across the economy increase then the yield on the bond will also increase.This higher yield will lead to lower price for the bond. Visa Versa. * Therefore, the price of bonds will fluctuate according to changes in levels of interest rates. Aussie bonds yield biggest gains for global investors July 3rd 2014. Wes Goodman and Kristine Aquino. Australian bonds delivered the world's biggest gains to global investors in the June quarter as the Aussie dollar rose. And BNP Paribas Investment Partners is betting relatively high yields will spur further gains. An index of government securities due in more than a year returned 5.5 per cent (including currency appreciation) versus the US...
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