...Commercial Bank Management (Loan Evaluation) Ericka Briones Unit 1 September 22, 2015 University of Dallas Commercial Bank Management (Loan Evaluation) The main key players in the situation includes Sally, commercial loan officer, Jack financial analyst and Quality Foods Inc who was the client seeking a short loan in the bank. All the stakeholders have certain issues at stake after the approval of the loan in spite of Jack skepticism. Jack had an opportunity to show his independent ability to identify financial situation of a company. In contrast, Jack could have adversely affected his relationship with his mentor, Sally. Sally’s reputation and credibility was at risk if Jack was to report the case to the senior managers. In terms of Quality Foods Inc, the company would be unable to secure the short-term loan request to finance its current investments and projects. The relationship of the company and bank would have also been affected if the Jack reported that the company had included the operating leases in the balance sheet. Jack who is the main character is this case can use his knowledge and ability to understand the implications of operating leases on the financial situation of the company influence Sally to reconsider his decision. Other characters including independence and confidence in his strong judgment on the current situation of approving Quality Foods Inc loan request (Koch & MacDonald, 2014). The main character, Jack must...
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...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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...Commercial Management and Risks Job brief Commercial management is the identification and development of business opportunities and profitable management of a project from inception to completion. A commercial manager has to understand how to make profit and how the profit is reflected in its operations. In a construction site, commercial management deals with outlining the beginning of a project i.e. the negotiations and analyzing of the cost of the whole construction project and the long term profit to be yielded by the project. It is said that every construction is unique, and the unique aspect demands a high level of commercial and technical expertise. As a commercial manager, I will provide a management system that ensures proper documentation. This entails that all the documents of the contract follow a full legal procedure that is the land on which the construction is taking place and is acquired legally. The tender details are all available and the contract details of the contractor and his team are all available and ensure clarity to reduce future conflicts between the client and the contractor as Lowe and Leiringer (2006) argue. System devised Programme The system will also define a well defined target. When referring to target we can consider two cases that is the time the construction will take from inception to completion and the financial target. When dealing with the time target we ensure that the construction program is available to all team members to...
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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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...IBIMA Publishing Journal of Human Resources Management Research http://www.ibimapublishing.com/journals/JHRMR/jhrmr.html Vol. 2011 (2011), Article ID 598896, 20 pages DOI: 10.5171/2011.598896 The Adoption of Strategic Human Resource Management Practices in Commercial Banks: The Process and Challenges in Kenya George O. Omondi1, Peterson Obara Magutu2, Cliff Ouko Onsongo3 and Linda A. Abong’o4 1 Department of Business Administration, School of Business, University of Nairobi, Nairobi - Kenya 2 Department of Management Science, University of Nairobi, Nairobi - Kenya 3 School of Business, Jomo Kenyatta University of Science and Technology, Nairobi - Kenya 4 Central Bank of Kenya, Nairobi - Kenya ______________________________________________________________________________________________________________ Abstract Developing an effective human resource system that is compatible with organizational strategy is critical for the functioning and success of an organization in the competitive business arena. The main objectives of the study were to establish the extent of adoption of strategic human resource management practices among commercial banks in Kenya; and to determine the factors that influence adoption of strategic human resource management practices by commercial banks in Kenya. The research questions were systematically generated from the objectives. In the data analysis, descriptive statistics and factor analysis were used to help draw comparisons and...
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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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...FINC/070 CO PY IBS Center for Management Research Commercial Paper Market in India D O N O T This case was written by Nitya Nand Tripathi, IBS Center for Management Research and D.S. Chary, IBS, Hyderabad. It was compiled from published sources, and is intended to be used as a basis for class discussion rather than to illustrate either effective or ineffective handling of a management situation. 2011, IBS Center for Management Research. All rights reserved. To order copies, call +91-08417-236667/68 or write to IBS Center for Management Research (ICMR), IFHE Campus, Donthanapally, Sankarapally Road, Hyderabad 501 504, Andhra Pradesh, India or email: info@icmrindia.org www.icmrindia.org FINC/070 Commercial Paper Market in India “Volumes of commercial papers will increase because it will be cheaper for companies to raise money through this route rather than loans from banks.”1 - Paritosh Kashyap, www.livemint.com, in March 2010 CO PY “Close to $210 billion have flown into the Indian debt market this calendar year alone. Investment by local banks in commercial paper has surged from Rs 25.188 billion in March 2010 to Rs 37.863 billion in August. Is the moribund Indian debt market finally showing signs of life 18 years after it was opened up to global money?… The current sets of circumstances have been favorable for the Indian bond market.”3 - Abheek Barua, The Economic Times4, November 2010 “CP issuances are going to rise...
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...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 TBTF. The financial crisis of 2008 has revealed unprecedented trading losses and problems of insolvency at the TBTF banks. In 2008 Lehman Brothers reported losses of more than $5 billion. Its share price plunged by almost half. This has made more than 1500 people redundant and has significantly badly affected the S&P and Dow Jones indexes. Major losses like this have induced economists...
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...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, it obtained approval from the Bangko Sentral ng Pilipinas (BSP) to upgrade its license into expanded commercial banking status. In 2013, the Bank was granted an authority to operate as a universal bank under MB Resolution No. 356 dated February 28, 2013. The universal banking license authorizes, AUB, in addition to its general powers as a commercial bank, to exercise the following: (1)...
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...School (CBS) Beauty in the advertising industry Term Paper in Media Management Summer Semester 2012 Lecturer: Jana Baum Christin Schwarzhoff BA11 International Culture and Management / Media Management Student-Nr.: 1.6 11 306 Table of content 1. Introduction 3 2. Effects of Advertisings on Women 2.1 Dissatisfaction with the body shape 4 2. Statistics and surveys 5 3. The Image of a Woman in the Beauty Industry 3.1 Gender display in commercials 6 2. Criticism of advertising and thoughts about solutions 7 4. Dove Campaign 4.1 Campaign for Real Beauty 8 4.2 Dove ‘Evolution’ 9 4.3 Success of Dove Campaign 9 5. Conclusion 10 6. Bibliography 11 7. Declaration 13 1. Introduction The term paper at hand deals with the beauty in the commercial industry. Looking at commercials in magazines, on billboards or on television, it is recognizable that most of these advertisings use the image of a perfect world. Especially in beauty advertisings beautiful flawless women present products promising the consumer to look as beautiful as the model after using them. But how effective are these advertisings and how do they affect society? This term paper will discuss the negative influence of those commercials on women in today’s society. Furthermore it will figure out whether a television commercial with a realistic understanding of beauty can be successful in a consumer-based society...
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...About NBP The 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...
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...City’s tourism booming ___e. are personalities from General Santos City brings big income to the city? 2. Cite two-five studies regarding hotel & restaurants management. It could be foreign or local study. Case Study: Restaurant downsizing Sally Smith is a manager at the Butcher Block Restaurant. Due to her extensive background in the restaurant business, she has great influence on the executive management and often makes significant recommendations for changes that are supported. The restaurant was closed two months ago after a news release issued by the regional Health Department claimed that at least twenty people had become ill apparently with the listeriosis infection after eating at the Butcher Block the month before. Listeriosis has been isolated in the feces of healthy humans, sheep, cattle and poultry, and the spread of this disease has been linked to the consumption of contaminated food production. Five of the sickened people had to be hospitalized. Although a thorough restaurant health inspection failed to prove the restaurant was responsible, the negative press intensified low attendance problems. This downturn in the business has made it necessary to prepare for a reduction in the workforce. The terminations will be permanent and there are no termination benefits. Executive management has identified five employees as the first ones to be considered for termination. All five employees are at the same organizational level, but from...
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...REPORT ON CREDIT OPERATIONS SYSTEM IN THE PRIME BANK LIMITED PREPARED FOR M. MUZAHIDUL ISLAM ASSOCIATE PROFESSOR DEPARTMENT OF BANKING UNIVERSITY OF DHAKA PREPARED BY NIPA SAHA ROLL-423, MBA 1ST BATCH DATE OF SUBMISSION: MAY 10, 2006 DEPARTMENT OF BANKING UNIVERSITY OF DHAKA Supervisor's Certificate This is to certify that the Internship Report on "Prime Bank Ltd." in the bona fide record at the report is done by Nipa Saha as a partial fulfillment of the requirement of Masters of Business Administration (MBA) degree from the Department of Banking, University of Dhaka. -------------------------------------- Signature of Supervisor ---------------------------------- Date. Declaration I do hereby solemnly declare that the work presented in this Internship Report has been carried out by me has not been previously submitted to any other University/ College/ Organization for an academic qualification / Certificate / Diploma or degree. The work I have presented does not breach any existing copyright and no portion of this report is copied from any work done earlier for a degree or otherwise. I, further undertake to indemnity the department against any loss or damage arising from breach of foregoing obligation. -----------------------------------...
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...Mission To build Prime Bank Limited into an efficient, market driven, customer focused institution with good corporate governance structure. Continuous improvement in our business policies, procedure and efficiency through integration of technology at all levels. Vision To be the best private commercial bank in Bangladesh in terms of efficiency, capital adequacy, asset quality, sound management and profitability having strong liquidity. Objective For our customers: • To provide the most courteous and efficient service in every aspects of its business • To be innovative in the development of new banking products and services For our employees: • By promoting their well-being through attractive remuneration and fringe benefits. • By promoting good stuff morally through proper staff training and development, and provision of opportunities for career development. For our share holders: • By forging ahead and consolidating its position as a stable and progressive financial institution. • By generating profits and fare return on their investment. For our community: • By assuming our role as a socially responsible corporate citizen in a tangible manner • By adhering closely to national policies and objectives thereby contributing towards the progress of the nation Strategy PBL has consistently remained focused on efficient customer service by providing wide range of product and services. PBL focused on our diverse products and services. Our customer group range...
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...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 on 2012BS as a Central bank of Nepal. On 2016BS, Nepal industrial Development Bank, the second commercial bank of Nepal was established Nepal bank limited and Agriculture Development Bank were established on 2022 and 2024BS respectively. After the government adaption the policy of liberalization the economy, speedy growth of began. Now, in...
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