...day, November 2012 “CUSTOMER RELATIONSHIP MANAGEMENT IN BANKS WITH REFERENCE TO CORPORATION BANK UNIVERSITY OF MUMBAI PROJECT REPORT ON “CUSTOMER RELATIONSHIP MANAGEMENT IN BANKS WITH REFERENCE TO CORPORATION BANK” T.Y.B.B&I (SEMESTER V) ACADEMIC YEAR: 2012 – 2013 SUBMITTED BY ............................ ROLL NO – ................... PROJECT GUIDE PROF. .............................................. College Name PROJECT REPORT ON “CUSTOMER RELATIONSHIP MANAGEMENT IN BANKS WITH REFERENCE TO CORPORATION BANK” SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF DEGREE OF B.COM – BANKING & INSURANCE BY ................................... ROLL NO – ............... T.Y.BBI (SEMESTER V) .................... CERTIFICATE NAAC ACCREDITED B++ This is to certify that, Mr./Miss Of T.Y.B.B.I Semester V (2011-12) has successfully completed project on Under the guidance of _________________________________________ (Signature of Project Guide) (Signature of Principal) (Signature of Coordinator) (Signature of External) DECLARATION I Mr./Miss the student of S.I.W.S N.R Swami College of Commerce & Economics, studying in T.Y. B.Com...
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...BB&T BANK ANALYSIS REPORT FINA 280 FINANCIAL INSTITUTION MANAGEMENT & MODELING William C. Handorf, Ph.D. June 28, 2008 Washington, DC Content 1. INTRODUCTION ………………………………………………..…………………3 2. BB&T ……………………….……………………………………………………….4 3. US ECONOMIC OVERVIEW ……………………………………………………12 4. BB&T Bank …………...……………………………………………………………14 5. Conclusion…………………………………………………………………………..41 6. Questions to Management………………………………………………………….42 1. INTRODUCTION The purpose of this report is to analyze the financial operations and financial conditions of BB&T Bank by evaluating financial, economic and market information available for the period from 2000 to 2008. This paper attempts to address key strengths and weaknesses of the bank from a regulatory, financial, and credit market perspective. In order to make assessments and calculate required ratios, statistics and correlations, we mainly review the Uniform Bank Performance Report (UBPR) of the bank and publicly available financial data. Besides BB&T Bank the paper also attempts to analyze the performance of the holding company, BB&T Corporation (NYSE: BBT). Section 2 briefly overviews the holding company - BBT - and its financial analysis. Section 3 provides an overview of the US economy as a backdrop to the financial performance of the bank. Section 4 uses the CAMELS methodology (Capital, Asset Quality, Management, Earnings, Liquidity and Sensitivity) to identify the key strengths and weaknesses of the bank. Finally...
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...1. The corporate governance structure of combined stock corporations in a specified country is dogged by several factors: the legal and regulatory framework outlining the truths and responsibilities of all parties involved in corporate governance the de facto realities of the corporate environment in the country; and each corporation’s articles of association. While corporate governance supplies may vary from corporation to corporation, several de facto and de jure factors touch corporations in a similar way. Therefore, it is possible to outline a "model" of corporate governance for a given country. In each country, the corporate governance structure has certain features or basic elements, which distinguish it from structures in other countries. To date, scientists have identified three models of corporate governance in developed capital markets. These are the Anglo-US model, the Japanese model, and the German model. Each model identifies the following constituent elements: key players in the corporate environment; the share ownership pattern in the given country; the composition of the board of directors. The regulatory framework disclosure requirements for publicly-listed Stock Corporation. The corporate actions requiring shareholder support and interaction among the key players Most corporate governance structures are comprised of a board of directors, an executive management team, and departments that may be organized according to function, division, or a combination...
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...Running head: BANK OF AMERICA EXTERNAL ENVIRONMENTS Bank of America – External Environments Alan Bahadori Professor Turner Strayer University April 29th 2016 Bank of America – External Environments Bank of America is an industry leader in the financial and banking marketplace. They are a multinational corporation that is the second largest bank holding company in the United States by assets. The extent of Bank of Americas reach is that of a global scale. Bank of America have many branches of business from banking, mortgages, loans, retail sales, wealth management, commercial business services and even global sports sponsorship. The ability for Bank of America to continue to grow in terms of global brand, market share and financial banking both business and personal is by continued evaluation of the company’s strategy regarding competition, as well as their internal and external environment. Evaluation of a company’s external environment is paramount to the future success of the business. A company must always be sure that it is understood on what factors they face within their course of business. To successfully deal with uncertainty and achieve strategic competitiveness firms must be aware and understand these segments and how they impact the corporation either positive or negative. The general environment as stated within the course lecture states that it is grouped into seven segments of Demographic, Economic, Political, Sociocultural, Technological, Global...
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...Abstract The largest generation of American workers is reaching the age of retirement. The Generations following the Baby Boomers need to prepare to take over the senior management roles being left empty by this exodus. Corporations need to prepare for this transition before they face a predicament of not having qualified leaders in place before the Baby Boomers retire. The way members of Generation X and Y lead will be very dissimilar to what corporations have seen during the reign of the Baby Boomers. Likewise, members of Generation X and Y will expect more from corporations as it pertains to life work balance and culture of the workplace. The Next Generation of Leaders in Corporate America With many corporations having an aging workforce, it is no wonder they need to start thinking about the next generation of leaders. The sons and daughters of America’s greatest generation, the Baby Boomers, are now heading towards retirement. With the largest generation of Americans getting ready to leave the workforce, many who are currently leaders in their corporations, corporations are starting to prepare the next generation of employees who will lead their corporations into the future. What are American corporations doing to prepare for this transition? Who will fill these positions? What are the next generations of upper management personnel doing to prepare themselves to fill this void of upper management? January 1, 2011 was the day...
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...Legal Forms Business Paper Brandi Austin LAW/531 April 16, 2012 Aaron Kemp Legal Forms Business Paper Deciding the form of business organization is one of the most important phases in developing a company. One must understand the pros, cons, requirements and qualifications needed before determining which form is best for the business. The next few paragraphs will discuss various forms of businesses and provide scenarios to clarify the appropriate use of these forms. Sole Proprietorship A sole proprietorship is the simplest form of business organization (Cheesman, 2010). Easiest put, the owner of the business is the business. There are several major advantages to operating a business as a sole proprietorship. On the positive side, forming a sole proprietorship is very affordable and can easily be transferred or sold without the approval of additional partners. On the negative side all liability falls on the sole proprietor. My current company is listed as a sole proprietorship. In 2008, I wanted to secure my company name and be established in some way as a real business entity. My funds were low at the time, so the fastest and most frugal method for me to establish was a sole proprietorship. Because business was still in the infant stages, the threat of personal liability was not a concern. Partnership A general partnership, or partnership, is a voluntary association of two or more persons for carrying on a business as co-owners for profit. General partners...
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...Reports (United Kingdom) CriLJ – Criminal Law Journal Table of cases 1. Lord Reid in Tesco Supermarkets Ltd. v. Natrass [1971] All ER 127 2. Zee Telefilms Ltd. v. Sahara India Co. Corporation Ltd., (2001) 3 Recent Criminal Reports 292. A. K. Khosla v. S. Venkatesan (1992) Cr.L.J. 1448 3. KalpanathRai v State (Through CBI), (1997) 8 SCC 732 4. State of Maharashtra v. Mayer Hans George,A.I.R. 1965 S.C. 722 5. Nathulal v. State of M.P., A.I.R. 1966 S.C. 43 6. MV Javali v. MahajanBorewell& Co and Ors.,AIR 1997 SC 3964 7. The Assistant Commissioner, Assessment-II, Bangalore &Ors. Vs. Velliappa Textiles, (2004) 1 Comp. L.J. 8. Standard Chartered Bank and Ors. v. Directorate of Enforcement (2005) 4 SCC 530 9. Iridium India Telecom Ltd. v. Motorola Incorporated and Ors ,AIR 2011 SC 20 10. CBI v. M/s Blue-Sky Tie-up Ltd and Ors ,Crl. Appeal No(s). 950 of 2004 11. Kartick Chandra v.Harsha M. Dasi, AIR 1943 Calcutta 35 at 354; Contents Introduction 6 Corporate Criminal Liability under the Companies Act 1956 &2013 6 Doctrine of identification theory 9 Position prior to the Standard Chartered Bank Case Law 11 Standard Chartered Bank and Ors. v. Directorate of Enforcement (2005) 4 SCC 530 12 Post Standard Chartered Bank case law: 13 Conclusion 13 Bibliography 14 Introduction A company has none of features that characterize a living person, a mind that can have knowledge or intention or be negligent. But...
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...institutions in Pakistan include Banks, Investment Companies, Insurance Companies, Leasing Companies, Venture Capital & Discount Houses, Housing Finance Companies, and Mutual Funds. Bank A bank is a commercial or state institution that provides financial services, including issuing money in various forms, receiving deposits of money, lending money, and processing transactions and the creating of credit. Major players of the banking sector are categorized in the following heads: * Central Bank * Nationalized Scheduled Banks * De-Nationalized Scheduled Banks * Specialized Banks * Private Scheduled Banks * Foreign Banks * Investment Banks * Micro Finance Banks * Islamic Banks Central Bank A central bank, reserve bank or monetary authority, is an entity responsible for the monetary policy of its country or of a group of member states, such as the State Bank in Pakistan. Its primary responsibility is to maintain the stability of the national currency and money supply, but more active duties include controlling subsidized-loan interest rates, and acting as a "bailout" lender of last resort to the banking sector during times of financial. Nationalized Scheduled Banks Nationalized scheduled banks are those banks which are registered with SBP and are public owned enterprises. The SBP give directions to these banks and they are required to work according to this direction. Furthermore, scheduled banks are permanent members of SBP. The...
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...Case Study A: What concerns would you have about operating this business as a sole proprietorship if you were Stan? What alternative form of business organization would you recommend and why? In this case Stan is thinking about starting a toxic waste disposal business. He is considering operating this business as a sole proprietorship. Although this is a valid business organization it also carries numerous disadvantages, if not all aspects of the company are taken into account. I will explain some possible conflicts Stan can encounter as a sole proprietorship, and I will recommend an alternative form of business organization that may become more beneficial. After taking into consideration the two different operations I will come to a conclusion of which business organization may be more preferable in Stan’s situation. A sole proprietorship is ideal for individuals operating a low risk and small business organization since there are many disadvantages with certain risks, or when the company begins to grow. Starting a toxic waste disposal with transportation raises many concerns. This operation is highly at risk for an incident and a sole proprietorship may not be the best business organization. As a sole proprietorship Stan would carry the business on his own without adopting any other form of business organization. Stan would have unlimited personal liability with any incident being fully responsible. One of the major issues is the environmental impact if there happens...
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...placing all banks under the Bureau of Treasury. The Insular Treasurer was authorized to supervise and examine banks and banking activities. | | | February 1929 | The Bureau of Banking under the Department of Finance took over the task of banking supervision. | | | 1939 | A bill establishing a central bank was drafted by Secretary of Finance Manuel Roxas and approved by the Philippine Legislature. However, the bill was returned by the US government, without action, to the Commonwealth Government. | | | 1946 | A joint Philippine-American Finance Commission was created to study the Philippine currency and banking system. The Commission recommended the reform of the monetary system, the formation of a central bank and the regulation of money and credit.The charter of the Central Bank of Guatemala was chosen as the model of the proposed central bank charter. | | | August 1947 | A Central Bank Council was formed to review the Commission’s report and prepare the necessary legislation for implementation. | | | February 1948 | President Manuel Roxas submitted to Congress a bill “Establishing the Central Bank of the Philippines, defining its powers in the administration of the monetary and banking system, amending pertinent provisions of the Administrative Code with respect to the currency and the Bureau of Banking, and for other purposes. | | | 15 June 1948 | The bill was signed into law as Republic Act No. 265 (The Central Bank Act) by President...
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...defendants refuse to install lights in the park because they deemed that baseball is a daytime sport and that having lights installed and night games would have a deteriorating effect upon the surrounding neighborhood. The plaintiff also argues that the team is losing money and he believes that the team is loosing because poor attendance to the games and that if lights were not installed they would continue loosing. In this case the court could not side with the plaintiff because none of his arguments prove that the defendants are mismanaging the team just because they prefer to have day games. The court used Wheeler v. The Pullman Iron & Steel Co. to show that “it is fundamental in the law of corporations that the majority stockholders shall control the policy of the corporation”. This case proves that the defendant and the stockholders he represented were the majority stockholders, the plaintiff is a minority stockholder and the majority stockholders can...
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...shareholders that are outsiders of the corporation. The other key players that make up the three sides of the corporate governance triangle in the Anglo-US model are management and the board of directors. This model is designed to separate the control and ownership of any corporation. Therefore the board of most companies contains both insiders (executive directors) and outsiders (non-executive or independent directors). Traditionally, though, one person holds the position of CEO and chairman of the board of directors. This concentration of power has led many companies to include more outside directors now. The Anglo-US system relies on effective communication between shareholders, management and the board with important decisions being put to the vote of the shareholders (O'Connell, 2006). 2. Japanese Model The Japanese model involves a high level of ownership by banks and other affiliated companies and "keiretsu," industrial groups linked by trading relationships and cross-shareholding. The key players in the Japanese system are the bank, the keiretsu (both major inside shareholders), management and the government. Outside shareholders have little or no voice and there are few truly independent or outside directors. The board of directors is usually made up entirely of insiders, often the heads of the different divisions of the company. However, remaining on the board of directors is conditional on the company's continuing profits, therefore the bank or keiretsu may remove directors...
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...Legal Forms of Business Paper University of Phoenix LAW/531 Aaron Gershonowitz November 7, 2011 Legal Forms of Business There are many different forms of business in today’s society. They run from sole proprietorship to corporate form. When someone wants to start a business, he/she has to decide what form of business he/she wants to be a part of. Of all the forms of business out there, this paper will be discussing seven of them, along with scenarios that each of these seven forms would be preferred. The forms of business being discussed in this paper will be: sole proprietorship, general partnership, limited liability partnership, Limited Liability Company, S corporation, franchise, and corporate form. Sole Proprietorship A sole proprietorship is a business that is owned by one person. Someone new to the business world would want to start out having this type of business if he/she wants to keep the business small. There are several major advantages to operating a business as a sole proprietorship, and they include the following: • Forming a sole proprietorship is easy and does not cost a lot. • No federal or state government approval is required. • The owner has the right to make all management decisions concerning the business, including those involving hiring and firing employees. • The sole proprietor owns all of the business and has the right to receive all of the business’s profits. • A sole proprietorship can...
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...After the Fire is a non profit corporation geared towards helping convicted felons become accustomed to life after prison. The goal of the organization is to assist participants to change negative patterns of thinking, feeling and behaviors that predispose them to negative actions such as drug abuse, criminal activities and anti-social behaviors. After the Fire’s mission comes is three-fold. The first is to provide a range of direct hands-on constituent services including but not limited to counseling and referral on education services and employment. The second is fundamentally directed towards planning and development with an emphasis on business planning and job training. The third area of importance is community relations and advocacy for issues of importance for the community. The program represents an entirely new opportunity to place the heavy emphasis on the period of transition from incarceration to the community. It’s Time to Change is a highly collaborative effort that is geared toward stopping the ever rising number of men and women who are incarcerated and re-incarcerated in the state of Ohio. This is accomplished by reducing the offenders’ likelihood of reoffending and improving their re entry into society and post release success. It’s Time to Change represents an exceptional approach for meeting statutory purposes and requirements. The fundamental purpose in establishing and operating the program is to reduce recidivism of men and women released from...
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...future profits will decrease, and the stock price will decrease in anticipation of these problems. Similarly, a firm can boost profits over the short term by using less costly materials even if this reduces the quality of the product. Once customers catch on, sales will decrease and profits will fall in the future. The stock price will fall. The moral of these examples is that, because stock prices reflect present and future profitability, the firm should not necessarily sacrifice future prospects for short-term gains. 3. The key advantage of separating ownership and management in a large corporation is that it gives the corporation permanence. The corporation continues to exist if managers are replaced or if stockholders sell their ownership interests to other investors. The corporation’s permanence is an essential characteristic in allowing corporations to obtain the large amounts of financing required by many business entities. 4. A sole proprietorship is easy to set up with a minimum of legal work. The business itself is not taxed. For tax purposes, the income of the proprietorship is treated as the income of the proprietor. The disadvantages of a proprietorship are unlimited liability for the debts of the firm, and difficulty in raising large amounts of capital as the business grows. A partnership has the same tax advantage as the proprietorship. The partnership per se does not pay...
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