...Sales management in commercial banks and case of deposit growth. Recent development of financial institutions in Nepal had forced the banking industry to push marketing of its deposit products. We can see the advertisement of deposit products in every newspapers, radio and televisions channels. There are stalls of banks and financial institutions in every business fairs and exhibitions. The focus is selling their respective deposits products. Once, there were three banks namely, Nepal bank ltd, Rastrya banejaya bank and agriculture development bank ltd but today there are 32 commercial banks in Nepal and it is obvious to have intense competition in limited market. Beside financial positions and branch location it is fact some commercial banks have increasing trend in their deposits but some are not succeeding. The interest rate on deposit rate are similar, the account opening amount are somewhat same, the customer care is same but why some are succeeding and some are not because it is the selling strategy particulars banks have adopted. The most important things on today world is the way of communication an organization does with outsiders. In another word it is the marketing process or in corporate word we can say selling the products. It is obvious that in every business sales matter and for sales it is way of communication. If any body wants to succeed in business, then it is necessary to be great in sales as well. In fact, the boss of a company has got to be great...
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...Center Commercial Bank Risk Management: an Analysis of the Process by Anthony M. Santomero 95-11-C THE WHARTON FINANCIAL INSTITUTIONS CENTER The Wharton Financial Institutions Center provides a multi-disciplinary research approach to the problems and opportunities facing the financial services industry in its search for competitive excellence. The Center's research focuses on the issues related to managing risk at the firm level as well as ways to improve productivity and performance. The Center fosters the development of a community of faculty, visiting scholars and Ph.D. candidates whose research interests complement and support the mission of the Center. The Center works closely with industry executives and practitioners to ensure that its research is informed by the operating realities and competitive demands facing industry participants as they pursue competitive excellence. Copies of the working papers summarized here are available from the Center. If you would like to learn more about the Center or become a member of our research community, please let us know of your interest. Anthony M. Santomero Director The Working Paper Series is made possible by a generous grant from the Alfred P. Sloan Foundation Commercial Bank Risk Management: An Analysis of the Process 1 This Version: February 28, 1997 Abstract: Throughout the past year, on-site visits to financial service firms were conducted to review and evaluate their financial risk management systems...
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... 2. Fx performance and bank profitability 3. Credit operation and management 4. Credit risk management 5. Corporate banking 6. 1. A WORKING REPORT ON FOREIGN EXCHANGE BANKING SERVICES: An Analysis of The BASIC Bank Limited(Autumn 2011). 2. Advance & foreign Remittance Service” National Credit & Commerce Bank View (Autumn 2011). 3. Working Report on “credit policy and credit Risk Management of International Finance Investment and Commerce Bank Limited”.(autumn 2011). 4. A WORKING REPORT ON FOREIGN EXCHANGE OPERATION OF COMMERCIAL BANK OF CEYLON PLC AND COMPARATIVE STATISTICAL ANALYSIS BETWEEN COMMERCIAL BANK OF CEYLON PLC AND EASTERN BANK LTD.(spring 2012). 5. ADVANCE WORKING REPORT ON FOREIGN EXCHANGE OPERATION AND PERFORMANCE EVALUATION ON MUTUAL TRUST BANK LIMITED. FIROZA BEGUM (ID #0920623) (Autumn 2012) 6. Investigating the levels of satisfaction of Local Corporate clients in Standard Chartered Bank regarding the various services offered by Local Corporate.(Autumn 2012) 7. CREDIT RISK MANAGEMENT ANALYSIS OF UNITED COMMERCIAL BANK LTD. Autumn 2012 8. A WORKING REPORT ON FOREIGN EXCHANGE PROCEDURE OF NATIONAL CREDIT AND COMMERCE BANK LIMITED 9. FOREIGN EXCHANGE PROCEDURES OF SOUTHEAST BANK LIMITED: A WORKING REPORT ON GULSHAN BRANCH, DHAKA spring 2010 10. A WORKING REPORT ON FOREIGN EXCHANGE PROCEDURE OF NATIONAL CREDIT AND COMMERCE BANK LIMITED spring 2010 ...
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...Introduction A Bank is a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers that have capital deficits to customers with capital surpluses. There are different types of bank in Bangladesh. Like- * Central Bank * Commercial Bank * Industrial Bank * Co-Operative Bank * Savings Bank etc Generally when we use the term “Bank” that time actually it means the commercial bank. The main job of the commercial bank is to collect the money from customers as deposit and give other customers money as loan. The commercial bank gives interest on deposit money to the customer and receives interest on loan money to the customers. The difference between these two interest rates is the main source of bank’s income. In Bangladesh the commercial banking sector dominates the financial sector. In Bangladesh there is one central bank which is “Bangladesh Bank”. There are four state owned commercial banks. They are- Agrani Bank, Janata Bank, Rupali Bank, Sonali Bank. Besides this, there is also good number of private commercial bank in Bangladesh. Such as-Prime Bank, One Bank, Mercantile Bank, Bank Asia, South East Bank, IFIC Bank, Dhaka Bank, United Commercial Bank, Dutch Bangla Bank and so on. There are also some foreign Banks which are operating in our country. They are- Citi Bank, HSBC, Standard Chartered Bank, Commercial Bank of Ceylon...
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...This survey asks questions about your experience working for Mauritius Commercial Bank. It starts and ends with some questions about your satisfaction with various aspects of work and contains other questions about how you think and feel about Mauritius Commercial Bank. Thank you for sharing your opinions Part A Please tick () the appropriate box. 1. Gender Male 2. Age group 18 < 30 41 < 50 31 < 40 51 < 60 Female 3. Education level Primary Secondary Tertiary 4. Length of Service (yrs) 2 yrs 4 yrs 3 yrs > 5 yrs 5. What is your present salary? ( Amount (Rs) ) 8000 - 10000 12001 - 14000 10001 - 12000 > 14000 PART B satisfied are you working for The Company? Q1. Please indicate your degree of SATISFACTION with your overall satisfaction derived at work provided by Maurtius Commercial Bank , by placing a check mark X in the relevant box below. Completel y dissatisfie d Very dissatisfi ed Mildly dissatisfi ed Neither dissatisfied nor satisfied Mildly satisfied Very satisfied Completel y satisfied best about working for The Company is... Q2. Please indicate your degree of agreement with the following statements, on the Mauritius Commercial Bank’s performance to internal satisfaction ( employee satisfaction) Absolutel y Disagree 1 Strongly Disagree 2 Slightly Disagree 3 Neither Disagree nor Agree 4 Slightly Agree 5 Strongly Agree 6 Absolutel y Agree 7 You should insert the...
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...National Bank of Pakistan (NBP) is a major Pakistani commercial bank operating in Pakistan with headquarters in Karachi. It has redefined its role and has moved from a public sector organization into a modern commercial bank. The Bank's services are available to individuals, corporate entities and government. Although state-owned it operates as commercial bank, while still continuing to act as trustee of public funds and as the agent to the State Bank of Pakistan in places where SBP does not have a presence. The bank provides both commercial and public sector banking services. It is a lead player in the debt equity market, corporate investment banking, retail and consumer banking, agricultural financing, treasury services. As of 2014 it has almost 1,400 branches across Pakistan with assets of approximately USD 14 billion employing over 17000 people. National Bank has come a long way since its commencement in the year 1949, their assets have risen from a mere 1.2 million, 17 branches and a work force of 390 people. It also operates a number of offices overseas that include Beijing, Tashkent, Chicago, London and Toronto. The current President of the National bank of Pakistan is Syed Ahmed Iqbal Ashraf who assumed charge form the 22nd of January 2014 for a period of 3 years. HISTORY The history of National Bank of Pakistan is part of Pakistan’s struggle for economic independence. National Bank of Pakistan was established on November 9, 1949 under the National Bank of Pakistan...
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...The cost to society from the failure of a large, complex bank (what is known as Too Big To Fail) is considerably higher than the cost to society of the failure of a non-systemic bank. This is because of their complex interconnectedness with the other institutions in the market. TBTF banks engage into activities and services with a network of other institutions in such a way that if a TBTF bank becomes insolvent, all those in the network will be at risk. For example, following the bankruptcy of Lehman Brothers, contagion spread by many channels, including prime brokerage, OTC derivatives positions, money market mutual funds, tri-party repo and wholesale funding markets. The cost to society of such failures is tremendous. One example is the increased tax burden on tax payers as a result of governments bailing out those banks. Views including the lack of proper regulation and the engagement in complex finance activities such as CDS have been blamed for the TBTF phenomenon. There have been a number of proposed solutions put forward to tackle the problem of TBTF whether on the regulatory side such as the separation of commercial and investment banking or on the disclosure side such as Basel 1,2 and 3 accords. By critically reviewing the arguments and evidence presented in the literature, this essay determines how effectively the solution of separating investment and commercial banking proposed by regulators of financial markets will deal with the problems of institutions which are...
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...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 terms of career development and wealth, contribute to the development of the community (Sacombank, 2012). From the missions, according to the broad of management, there are 5 core...
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...INFORMATION SYSTEM OF THE CITY BANK LIMITED Submitted To:- Submitted By:-Mahmudul Hasan,3-13-25-081 Submission Date:-19/10/2014 BACKGROUND The City Bank Limited City Bank is one of the oldest private Commercial Banks operating in Bangladesh. It is a top bank among the oldest five Commercial Banks in the country which started their operations in 1983. The Bank started its journey on 27th March 1983 through opening its first branch at B. B. Avenue Branch in the capital, Dhaka city. It was the visionary entrepreneurship of around 13 local businessmen who braved the immense uncertainties and risks with courage and zeal that made the establishment and forward march of the bank possible. Those sponsor directors commenced the journey with only Taka 3.4 core worth of Capital, which now is a respectable Taka 330.77 core as capital & reserve. City Bank is among the very few local banks which do not follow the traditional, decentralized, geographically managed, branch based business or profit model. Instead the bank manages its business and operation vertically from the head office through 4 distinct business divisions namely a. Corporate & Investment Banking; b. Retail Banking (including Cards); c. SME Banking; & d. Treasury & Market Risks. EMPLOYEES Being one of the oldest private Commercial Banks operating in Bangladesh since 1983, The City Bank Limited (CBL) has come a long way; both in terms its business process...
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...Definition of 'Commercial Bank' A financial institution that provides services, such as accepting deposits, giving business loans and auto loans, mortgage lending, and basic investment products like savings accounts and certificates of deposit. The traditional commercial bank is a brick and mortar institution with tellers, safe deposit boxes, vaults and ATMs. However, some commercial banks do not have any physical branches and require consumers to complete all transactions by phone or Internet. In exchange, they generally pay higher interest rates on investments and deposits, and charge lower fees. Investopedia Says Investopedia explains 'Commercial Bank' Commercial banking activities are different than those of investment banking, which include underwriting, acting as an intermediary between an issuer of securities and the investing public, facilitating mergers and other corporate reorganizations, and also acting as a broker for institutional clients. Some commercial banks, such as Citibank and JPMorgan Chase, also have investment banking divisions, while others, such as Ally, operate strictly on the commercial side of the business. State Bank of India (SBI) is a multinational banking and financial services company based in India. It is a government-owned corporation with its headquarters in Mumbai, Maharashtra. As of December 2012, it had assets of US$501 billion and 15,003 branches, including 157 foreign offices, making it the largest banking and financial services...
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...ABU DHABI COMMERCIAL BANK LIMITED Name Institution ABU DHABI COMMERCIAL BANK LIMITED Abu Dhabi commercial bank, simply known as ADCB is one of the largest banks in United Arab Emirates in terms of market capitalization and shareholder funds. The bank was established in 1985 through a merger of Emirates commercial bank, the federal commercial bank and the Khaleej commercial bank. The Abu Dhabi government owns sixty-five percent of the shares of the company through its investment arm, the Abu Dhabi Investment Authority (Bllomberg, 2011). The Abu Dhabi commercial bank is a public shareholding company under limited liability. The bank is listed in the Abu Dhabi stock exchange as a public joint stock company. The bank provides the following services; Islamic banking, merchant banking services, stock brokerage, commercial and investment banking, as well as fund management activities (Bloomberg, 2011). ADCB has 49 branches across United Arab Emirates and 2 branches in India. The bank operates through three divisions. They are business banking, personal banking and meetahq Islamic banking. The personal banking segment of the bank offers accounts credit and debit services, loans and wealth management services among other services. The business banking segment of the bank offers the following services, small and medium enterprises banking, corporate banking, investment banking and treasury banking. The meetahq-banking segment offers sharia law compliant banking...
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...study Concept of bank; Bank, a financial institution, is playing a vital role in the economic development of the country. The function of banks are not only accepting deposits and granting loans but also, including wide range of services to the different strata of society, to facilitate the growth of trade, commerce industry and agriculture of the national economy. In the absence and insufficiency of banking and financial facilities, the growth of the economy development becomes slow. However, bank is the resource for economic development which maintains the self-confidence of various segments of society and advances credit to the people. It may be said that banking in its must simple form, is an old as authentic history. Banking has come to the present advance form through various stages. In the history of banking development, we can’t forget the bank of case De San Giorgio in Genoa, established in 1148 and Bank of Venice established in 1157.In 1401, the bank of Barcelona established in Barcelona. In fact, Modern bank started to take rapid speed in forming and functioning form 17th century. During this period, bank of Milan, bank of Florence and bank of ST. George was established in Genoa. In 1609, the bank of Amsterdam was established in Germany and the bank of England was established in England. In Nepal, the history of bank is not so long, in 1933(1876AD), the transaction. However, Nepal bank limited is the first commercial bank in Nepal. Nepal Rastra bank was established...
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...http://www.assignmentpoint.com/business/finance/southeast-bank-limited-performance-evaluation.html Southeast Bank Limited Mission Southeast Bank mission is to continue our support for expansion of activities at home and abroad by adding new dimensions to our banking services which have been ongoing in an unabated manner. Alongside, we are also putting highest priority in ensuring transparency, account ability, improved clientele service, as well as our commitment to serve the society through which we want to get closer to the people of all strata. Winning an everlasting seat in the hearts of the people as a caring companion in uplifting the national economic standard through continuous up gradation and diversification of our clientele services in line with national and international requirements is the desired goal we want to reach. After doubling itself in size and soundness Southeast Bank Limited has been consolidating its position and preparing itself for the new millennium by upgrading technology, training its work force, restructuring organizationally and creating a new work culture. * High quality financial services with state of the art technology * Fast customer service * Sustainable growth strategy * Follow ethical standards in business * Steady return on shareholders’ equity * Innovative banking at a competitive price * Attract and retain quality human resource * Commitment to Corporate Social Responsibility Vision Ensuring highest standard of...
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...correspondences and understanding the general structure of most business situations by acquiring the new information and ideas so as to apply them for the benefits of the organization as well as the one’s own career development. The term “Bank” was derived from an Italian word “Banca”. Banks perform various specialized functions. Banks may be defined in terms of the various functions it performs. So it is quite impossible to define bank in just one word. However, bank can be described as such a financial institution that takes in funds as deposits repayable on demand or at short notice. According to the Shorter Oxford English Dictionary, “Bank is an establishment for the custody of money received from or on behalf of its customers. Its essential duty is to pay their drafts on it, its profit arise from the use of the money left unemployed by them.” Types of Bank There are many types of bank among them the main types of bank can be categorized as follows: a) Commercial Bank b) Development Bank b) Central Bank 1.2 Brief Introduction about Commercial Bank A commercial bank is a financial intermediary which collects credit from lenders in the form of deposits and lends in the form of loans. Encyclopedia Says: Commercial banking activities are different than those of investment banking, which include underwriting, acting as an intermediary between an issuer of securities and the investing public, facilitating mergers and other corporate...
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...I. Company’s Mission and Vision Vision We are committed to be the bank of choice, known for financial strength and superior delivery of innovative products and services, driven towards total customer satisfaction. Mission We shall be guided by our chosen corporate values of Commitment, Integrity, Excellence, Leadership and Teamwork in: * developing long-term partnership with clients through the delivery of responsive, innovative, and value added products and services; * providing delivery channels that are relevant to our market to ensure convenience and increase the bank’s accessibility; * creating dynamic and meritocratic employee work environment and foster mutual respect, provides professional and personal growth and encourages creativity; * dealing fairly with business partners; and * ensuring optimum returns for our stock holders. II. Nature of Business Asia United Bank Corporation (AUB) is among the very few commercial banks that was granted a full-branch license in 1997 and is operating until this day. AUB was registered with the Securities and Exchange Commission (SEC) on October 3, 1997. Its registered office and principal executive offices are located at Joy-Nostalg Center, 17 ADB Avenue, Ortigas Center, Pasig City, Philippines. AUB was granted the authority to operate as a commercial bank under the Monetary Board (MB) Resolution No. 1149 dated September 3, 1997 and commenced operations on October 31, 1997. In 2012...
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