...In the Miller Lite commercial there are two main characters: a man and a woman. Both are white and attractive. The man is at a bar and is ordering a light beer from the woman bartender. She asks if he cares about the taste and he says, “nah, I don’t care how it tastes.” She tells him that when he starts caring he can put down his “purse” and she will give him a Miller Lite. He defensively calls the bag a “carry-all,” she tells him it’s not and the announcer of the commercial says “Man up.” In this example the man would be a woman’s man, though not directly. He isn’t trying to attract women through sensitivity or romance, but he is clearly not a man’s man because he is carrying a bag that is being criticized as feminine, and he doesn’t care...
Words: 335 - Pages: 2
...UNIT VIII RESEARCH PAPER Student name: Nguyen Thi Ngoc Minh Student Number: 217527 School: Columbia Southern University I. Introduction At the beginning, Sacombank was 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...
Words: 1966 - Pages: 8
... Modern business world is most sophisticated and complex one. It needs comprehensive lessons to deal with it efficiently and smartly. The necessity of practical knowledge is very much required. They are as follows: * After achieving practical knowledge it acts as a guideline during the service period. * In improvement of theoretical knowledge adjacent to practical events. * Identification of problem of business unit. Finding out techniques and methods for solving business unit problem. * Enhancement of the relationship between administration and laborers. * Formulation of policy for the improvement of business policy. * In performance evaluation of a business unit internship program is most significant. * Comparing or determining then extent applicability of systems or methodologies of various business disciplines. * Identify or direct barriers and changes to bring success of business unit. * Knowing about method of correction of errors, formulation of co-operatives. 1.2 SCOPE OF INTERNSHIP PROGRAM: Scope of the study can be described in terms of two grounds like: Organizational Scope: I worked in some important departments of Janata Bank Ltd. Hatem Khan Branch Rajshahi. I could not get the opportunity to work in foreign exchange department. I gave my all customers service in Janata Bank. Periodical Scope: My practical orientation in Bank started from the beginning dated 3rd May to 2nd June. The total duration of program was...
Words: 1855 - Pages: 8
...PROMOTIONAL STRATEGIES AND ADVERTISING STRATEGIES SONY VS SAMSUNG (Electronics) BRITTANY N FLYTHE STRAYER UNIVERSITY BUS508 CONTEMPORARY BUSINESS 06/17/2015 SONY AT A GLANCE Sony Corp. is engaged in the development, design, manufacture, and sale of electronic equipment, instruments, devices, game consoles, and software for consumers, professionals, and industrial markets. Its operations are carried out through the following segments: Consumer Products and Service; Professional, Device and Solutions; Pictures; Music; Financial Services; and Other. The Consumer Products and Service segment includes Sony Computer Entertainment, Sony Network Entertainment, VAIO & Mobile Business Group, Personal Imaging and Sound Business Group, and Home Entertainment Business Group. Sony engages in a variety of different marketing efforts, as one of the world's largest and most pervasive corporations. Sony's former slogans have been "The One and Only", "It's a Sony", "like.no.other" and "make-believe". Its current slogan is "BE MOVED”. During the 1990s, Sony transformed itself from electronics manufacturer to global entertainment company, establishing a leading position in music, movies and computer gaming (“AdbrandsWeekly.”2015). But those new ventures distracted attention from the company's core business, which is now struggling to maintain its position in the rapidly changing marketplace. Sony invented the concept of portable personal music players and dominated that sector for...
Words: 2493 - Pages: 10
...Executive Summary United Bank Limited (UBL) is one of the leading commercial bank in Pakistan which is currently having more than 1,000 branches nationally and 15 branches internationally. UBL has state of art online banking facility available for its customers and Deposits, Cheque Cash, Account Summary and Transfers can be easily done online. They have following services: • Commercial Banking • Consumer Banking • Corporate Banking • Foreign Exchange • Treasury • Overseas Banking Division Banking Industry Banking in Pakistan falls within 10 segments, which are as follows: Background of UBL: UBL has been operating since more than 47 years in Pakistan and has asset base of about 300 million with a network of about 1000 branches nationwide. It has its headoffice in Karachi when it got established in 1959. Subsidiary companies of UBL are: 1. United National Bank Limited 2. United Bank AG Zurich 3. UK UBL Fund Managers Ltd It’s operating an associate company in Muscat named Oman United Exchange Company. Long term rating of UBL is AA which denotes a quality organization. Short term rating of UBL is A-1+ which basically shows that organization is having timely payments. worthiness. Following is the Statement of Compliance with the code of Corporate Governance for the year ended december 31, 2006 issued by UBL This statement is being presented to comply with the Code of Corporate Governance (The Code) contained in the Regulation...
Words: 4104 - Pages: 17
... | Thesis Report On Performance Evaluation of Commercial Banks in Bangladesh Submitted To Ellina Mahbuba Shahid Lecturer Department of Business Administration Stamford University, Bangladesh Submitted By Helal Uddin ID # BBA 03110957 Batch # 31 (J) Department of BBA Major in Accounting Date of Submission: August 31, 2010 Letter of Transmittal Date: August 31, 2010 To, Ellina Mahbuba Shahid, Lecturer, Department of Business Administration, Stamford University, Bangladesh, Subject: Submission of Internee Report. Dear Madam, It is a great pleasure and privilege to present the internee report titled “Performance Evaluation of Commercial Banks in Bangladesh” which was assigned to me as a partial requirement for the competition of MBA Program. Throughout the study I have tried with the best of my capacity to accommodate as much information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried my best to make this report as much informative as possible. I sincerely believe that it will satisfy your requirements. I however sincerely believe that this report will serve the purpose of my internee program. Helal Uddin ID # BBA 031 10957 Supervisor’s Declaration I hereby declare that the concerned report entitled “Performance Evaluation of Commercial Banks in Bangladesh” is an original work by Mr. Helal Uddin, ID # BBA 031 10957, Major in Accounting...
Words: 11585 - Pages: 47
...The Hongkong and Shanghai Banking Corporation Limited Annual Report and Accounts 2012 THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED Annual Report and Accounts 2012 Contents Financial Highlights ........................................................................................................................................... Report of the Directors ...................................................................................................................................... Financial Review ............................................................................................................................................... Statement of Directors’ Responsibilities ............................................................................................................ Auditor’s Report ................................................................................................................................................ Financial Statements .......................................................................................................................................... Consolidated income statement ......................................................................................................................... Consolidated statement of comprehensive income ............................................................................................ Consolidated balance sheet .......................................
Words: 89753 - Pages: 360
...A N N U A L REPORT 2015 Financial Highlights As of or for the year ended December 31, (in millions, except per share, ratio data and headcount) Reported basis1 Total net revenue Total noninterest expense Pre-provision profit Provision for credit losses Net income Per common share data Net income per share: Basic Diluted Cash dividends declared Book value Tangible book value2 2015 $ $ $ Selected ratios Return on common equity Return on tangible common equity2 Common equity Tier 1 (“CET1”) capital ratio3 Tier 1 capital ratio3 Total capital ratio3 Selected balance sheet data (period-end) Loans Total assets Deposits Total stockholders’ equity Headcount 93,543 59,014 34,529 3,827 24,442 6.05 6.00 1.72 60.46 48.13 2014 $ $ $ 95,112 61,274 33,838 3,139 21,745 5.33 5.29 1.58 56.98 44.60 11% 13 11.6 13.3 14.7 $ 837,299 2,351,698 1,279,715 247,573 234,598 10% 13 10.2 11.4 12.7 $ 757,336 2,572,274 1,363,427 231,727 241,359 Note: 2014 has been revised to reflect the adoption of new accounting guidance related to debt issuance costs and investments in affordable housing projects. For additional information, see Accounting and Reporting Developments and Note 1 on pages 170 and 183, respectively. 1 Results are presented in accordance with accounting principles generally accepted in the United States of America (U.S. GAAP), except where otherwise noted. 2 Non-GAAP financial measure. For further discussion, see “Explanation and Reconciliation of the Firm’s Use Of Non-GAAP ...
Words: 207037 - Pages: 829
...Investment Banking Giuliano Iannotta Investment Banking A Guide to Underwriting and Advisory Services Professor Giuliano Iannotta Department of Finance ` Universita Bocconi via Roentgen 1 20136 Milano Italy giuliano.iannotta@unibocconi.it ISBN: 978-3-540-93764-7 e-ISBN: 978-3-540-93765-4 DOI 10.1007/978-3-540-93765-4 Springer Heidelberg Dordrecht London New York Library of Congress Control Number: 2009943831 # Springer-Verlag Berlin Heidelberg 2010 This work is subject to copyright. All rights are reserved, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilm or in any other way, and storage in data banks. Duplication of this publication or parts thereof is permitted only under the provisions of the German Copyright Law of September 9, 1965, in its current version, and permission for use must always be obtained from Springer. Violations are liable to prosecution under the German Copyright Law. The use of general descriptive names, registered names, trademarks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. Cover design: WMXDesign GmbH, Heidelberg, Germany Printed on acid-free paper Springer is part of Springer Science+Business Media (www.springer.com) To my family ...
Words: 86170 - Pages: 345
...[pic] 1.0. BRIEF IDEA ABOUT BANK Alfalah Bank Alfalah Limited was incorporated on June 21st, 1997 as a public limited company, under the Companies Ordinance 1984. Its banking operations commenced from November 1st, 1997. The bank is engaged in Islamic banking, commercial banking and related services as defined in the Banking Companies Ordinance, 1962. The Bank is currently operating through 195 branches in 74 cities. Management of Bank Alfalah accepted the challenge to transform this bank into a highly professional, most efficient & service oriented institution. The management has been successful in fulfilling the undertaken challenge. It has been successful in making a significant contribution to both corporate and retail banking in Bangladesh. Over the years, its emphasis on growth has resulted in a strong entity capable of offering high quality services to a wide spectrum of clients, in a highly challenging business environment. Its strategy is to maximize the synergies of branch network through an optimal allocation of financial resources in the face of dynamic challenges of present financial environment. Strengthened with the banking of the Abu Dhabi Group and driven by the strategic goals set out by its board of management, the Bank has invested in revolutionary technology to have an extensive range of products and services. This facilitates their commitment to a culture of innovation and seeks out synergies with clients and service providers to ensure uninterrupted...
Words: 11487 - Pages: 46
...Running Head: Negotiable Instruments Negotiable Instruments ACC 543 January 9, 2012 This memo attempts to analyze financial decisions problems with creating lines of credit from banks for the purpose of technological infrastructure investments. Explaining negotiable instruments will occur with recommended financing transactions. Comparing the main and secondary liabilities of the parties to the negotiable instruments and examining the parts of the secured transaction the bank recommends. This will be included in the memo. Negotiable instruments are transferable instruments used as a means of money for trading. These instruments are a promise to pay such as checks, drafts, promissory notes, and certificate of deposits. “A negotiable instrument has three principal attributes: (1) an asset or property passes from the transferor to the transferee by mere delivery or endorsement of the instrument, (2) a transferee accepting the instrument in good faith and for value obtains an indefeasible title and may sue on the instrument in his or her name, and (3) a notice of the transfer is not given to the party liable in the instrument. “ (Business Dictionary, 2012) This business wants to create a line of credit from the bank to invest money in technological infrastructure. A draft can be the negotiable instrument to use with a line of credit. Drafts contain three parties, the drawer, the drawee, and the payee. The drawer creates instructions to demand the drawee...
Words: 969 - Pages: 4
... this case illustrates the evolution of the commercial vehicle industry in Turkey, changes in industry conditions, and competitive strategies employed by the incumbent and its Japanese rivals in various life cycle stages. The product’s quality of OMC was not up to the mark compared to the competitors. The technology utilized in Isuzu and Mitsubishi was far better than OMC. They failed to view Japanese companies as their competitors initially. Timely decisions were not taken. The product leadership, being market leader and first mover advantage all was lost by OMC. Alternatives OMC’s alternatives are: 1) increase Iveco’s share to 50 percent and provide new technology platforms; 2) sell 100 percent of OMC’s assets and business; 3) Concentrate on dominant products by improving quality, and improving on service and distribution making it competitive while eliminating all the weaker products. Recommendation Otoyol’s best options are to eliminate all the weak products and start investing in new technology to improve the quality of their dominant products or leave the market completely by selling the business. Rationale Having a 62.9 percent service sector, a 28.6 percent industrial sector, and an 8.5 percent agricultural sector, Turkey’s economy has grown to 18th in the world. Its textile, food and automotive manufacturing are the frontrunners in the industry sector. This has caused a rise demand over the years for commercial vehicles. Koc Holding Corporation (Koc)...
Words: 1354 - Pages: 6
...INTERNSHIP REPORT ON HABIB BANK LIMITED PAKISTAN SUBMITTED BY: MUHAMMAD IRFAN ALI LOGID: mc070402338 Phone# 0313-6747208 Mail address: syedirfanmw@yahoo.com & mc070402338@vu.edu.pk Address: Ward # 2 Mohala Chah Kurai MBA (FINANCE) 2007-09 SUPERVISED BY: MAHER AMEER MUHAMMAD DATE OF FINAL REPORT 10-04-2009 to 10-06-2009 NAME OF THE UNIVERSITY VIRTUAL UNIVERSITY OF PAKISTAN 1 2 3 4 5 6 7 DEDICATION Allah Almighty ( whose claim (to obedience) cannot be satisfied by those who attempt to do so”) & His Beloved People. 1 ACKNOWLEDGEMENT Thanks to ALLAH Almighty for giving me such a beautiful opportunity and enabling me to complete my project. Thanks to my loving parents and guardian who help me a lot at every phase of my life, encouraged me in the days of depression and sacrificed for my better future. I am very thankful to Mr. Maher Ameer Muhammad my supervisor, who has helped me a lot in finding an appropriate project and for his reviews, encouragement, and support. I am thankful to all of my teachers and my class fellows and friends whom Cheerfulness and guidance is an asset for me .I am especially...
Words: 19114 - Pages: 77
...TERM PAPER TRAINING AND DEVELOPMENT IN STATE BANK TABLE OF CONTENTS. 1- Synopsis of the report. 2- Objectives of report 3- Chapter 1 Introduction 4- Chapter 2 Research Methodology – Sampling size, sampling unit, sources of data 5- Chapter 3 Data Analysis and Interpretation – Tables. 6- Chapter 4 Findings, Conclusions, suggestions Annexure- Questionnaire Bibliography. SYNOPSIS. Training is an ancient art indeed. It is required in all fields of activities. Training refers to the teaching or learning activities done for the primary purpose of helping members of an organization to acquire and apply the knowledge, skills, abilities, and attitude needed by organization to acquire and apply the same. It helps the employees to take up their assignments and perform it with perfection and confidence. It is aligned in banks to build up competencies in the staff to achieve the targeted objectives of the bank. All training programmes have the customers as the central theme. It is a key variable in Human Resource Development Strategy of the banks. Training is thus used as most effective in developing resources. Training is the sub systems of the organizations because the departments like- marketing, sales, production all depends on training for its survival. It ensures that randomness id reduced and learning or behavioural change takes place in structured format. OBJECTIVES OF THE STUDY- * To examine the effectiveness of training...
Words: 4897 - Pages: 20
...My MBA Program and what I have learned Thomas Domino University of Phoenix LAW/531: Business Law June 27, 2012 Michael Tancredi Good evening, my name is Thomas Domino AKA Tommy Tucker. I have been involved in businesses all my life. I’m an Artist. I started when I lived in Fairlawn N.J. with a paper route when I was 12 years old and continued after my family moved the next year to a small town in upstate N.Y. called Washingtonville. My dad being a Cost Engineer for Kellogg heating and coolant equipment designs, and with a large family, he always encouraged all of my 5 brothers and 2 sisters to help with family chores; that included outside projects. One of our family businesses was hand decorated felt family character images glued to ceramic plates. My mother and father would approach friends and acquaintances from our neighborhood and the church as customers. The plate business grew so fast, I had to use my Artistic talents to help my mother design and produce the plates. Years later my mother was still making decorative plates for her “mad money” to spend in Atlantic City, N.J. at the casinos. During my teenage years, I painted signs for local businesses, and also had a lawn mowing business. So I learned the art of dealing with customers, delivering a product or providing a service for the exchange for money values. I also trapped animals, and sold the pelts to middleman fur dealers around Christmas time; used the money...
Words: 998 - Pages: 4
