...CREDIT RISK ANALYSIS SYSTEM OF STANDARD CHARTERED BANK by Abdullah Bin Haroon ID: 2003210001013 An Internship Report Presented in Partial Fulfillment Of the Requirements for the Bachelor of Business Administration SOUTHEAST UNIVERSITY, BANGLADESH October 2005 TABLE OF CONTENTS Page LIST OF TABLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . viii LIST OF FIGURES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ix CHAPTER 1 INTRODUCTION 1.1 Origin of the report. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 1.2 Objective . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 1.3 Scope . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 4. Limitations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 5. Methodology 1. Approach . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 2. Primary source . . . . . . . . . . . . . . . . . . . . . . . . . 3 3. Secondary source . . . . . . . . . . . . . . . . . . . . . . . . 3 4. Sample Information. . . . . . . . . . . . . . . . . . . . . . . 3 5. Data Collection Method. . . . . . . . . . . . . . . . . . . . 3 6. Data Analysis. . . . . . . . . ...
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...CREDIT RISK ANALYSIS SYSTEM OF STANDARD CHARTERED BANK by Abdullah Bin Haroon ID: 2003210001013 An Internship Report Presented in Partial Fulfillment Of the Requirements for the Bachelor of Business Administration SOUTHEAST UNIVERSITY, BANGLADESH October 2005 TABLE OF CONTENTS Page LIST OF TABLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . viii LIST OF FIGURES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ix CHAPTER 1 INTRODUCTION 1.1 Origin of the report. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 1.2 Objective . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 1.3 Scope . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 4. Limitations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 5. Methodology 1. Approach . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 2. Primary source . . . . . . . . . . . . . . . . . . . . . . . . . 3 3. Secondary source . . . . . . . . . . . . . . . . . . . . . . . . 3 4. Sample Information. . . . . . . . . . . . . . . . . . . . . . . 3 5. Data Collection Method. . . . . . . . . . . . . . . . . . . . 3 6. Data Analysis. . . . . . . . . ...
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...A PROJECT ON STUDY OF CASH MANAGEMENT AT STANDARD CHARTERED BANK SUBMITTED IN PARTIAL FULFILLMENT OF BACHELORS OF MANAGEMENT STUDIES L S RAHEJA COLLEGE OF ARTS AND COMMERCE UNIVERSITY OF MUMBAI ACADEMIC YEAR 2010-2011 SUBMITTED BY: BINAY ROY PROJECT GUIDE: PROF. NAVEEN ROHATGI DECLARATION This is to certify that the project report ‘Study of Cash management at Standard Chartered Bank’ is submitted by me in partial fulfillment of the requirement of Bachelors of Management Studies in the academic year 2010-2011. The information it comprises of is true and original as per my research and observation. ----------------------------- Signature of the Student (Name of the Student) CERTIFICATE This is to certify that Mr. Binay Roy has completed the project ‘Study of cash management at standered chartered bank’ under the guidance of Prof. Naveen Rohatgi in the academic year 2010-2011 and has submitted the same to the University of Mumbai in partial fulfillment of the requirement of the Bachelors of Management Studies courses. -------------------------------- ---------------------------------- Signature of the Principal Signature of the Project Guide (Dr. Ms. M.B.Madlani) (Prof. Naveen Rohatgi) ------------------------------------------ Signature of the External Examiner. ACKNOWLEDGEMENT I would...
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...Report On TRANSACTION BANKING IN STANDARD CHARTERED BANK BANGLADESH A Descriptive Analysis [pic]Table of Contents CHAPTER-1 INTRODUCTION 1.1 ORIGIN OF THE REPORT 1.2 SCOPE 1.3 METHODOLOGY & SOURCE OF INFORMATION 1.4 LIMITATIONS 1.5 BANKING INDUSTRY –OVERVIEW Chapter-2 STANDARD CHARTERED BANK 2.1 ETHICS OF STANDARD CHARTERED BANK 2.2 Standard Chartered Bank in Bangladesh 2.3 Performance and Growth 2.4 Activities of Standard Chartered Bank 2.5 SWOT ANALYSIS OF STANDARD CHARTERED BANK Chapter-3 CLIENT RELATIONSHIPS Products 3.1 TRANSACTION BANKING 3.2 TRADE SERVICE 3.3 CUSTODY 3.4 LANDING Chapter-4 A DESCRIPTIVE ANALYSIS OF TRANSACTION BANKING 4.1 INTRODUCTION 4.2 CASH MANAGEMENT SERVICES 4.3 ACCOUNTS SERVICES 4.4 E-BANKING 4.5 NATIONAL COLLECTION SERVICES-NCS 4.6 OPSPAY 4.7 PREMIUM SERVICE-BANKING 4.8 PAYMENTS PLUS 4.9 TRADE REPORTS 4.10 WEB BANK 4.11 CHEQWRITER 4.12 BILLSPAY 4.13 CONCLUSION & RECOMMENDATION 4.15 BIBILIOGRAPHY ________________________________________________________Acknowledgement At the very outset, I would like to take this opportunity to express my gratitude to my internship supervisor, Mirza Aminur Rahman for his continuous inspiration, supervision and patience. Without his guidance and support it would...
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...1. Introduction 3 2.Company Profile- Brief Overview 3 2.1 Consumer banking: 6 3. Liquidity Risk: 7 3.1 Measuring Liquidity Risk –SCB 7 3.2 Measuring Credit Risk Exposure 10 3.3 Market Rate Risk 11 3.4 Value at Risk (VaR) 12 4. CAMEL RATING SYSTEM 13 1. Executive Summary International Banking can be defined as banking transactions crossing national boundaries. The activities involves like international lending; claims of domestic bank offices on foreign residents, claims of foreign bank offices on local residents, claims of domestic bank offices on domestic residents in foreign currency are the major activities involved in International Banking. The evolution of banking history dates back to 2000 BC in Assyria and Babylonia; while the modern banking systems originated in Renaissance Italy. The major incentive for the growth of international banking was migration of domestic customers who were MNE’s growing foreign activities and the impacts of regulatory differences. The report is comprised of Liquidity risks, market risks, credit risks of Standard Chartered Bank Plc. The company also demonstrates the firm efficiency of the firm using CAMEL RATING SCALE. The overview of the analysis states that the firm is operating proficiently under the guidelines of BASEL. Introduction According to Lewis & Davis (1987, p. 219), international banking is a denotation of cross-border and cross currency facets of banking business. They classify international banking into...
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...Report On TRANSACTION BANKING IN SONALI BANK LTD. BANGLADESH A Descriptive Analysis Table of Contents CHAPTER-1 INTRODUCTION 1.1 ORIGIN OF THE REPORT 1.2 SCOPE 1.3 METHODOLOGY & SOURCE OF INFORMATION 1.4 LIMITATIONS 1.5 BANKING INDUSTRY –OVERVIEW CHAPTER-2 SONALI BANK LTD. 2.1 ETHICS OF SONALI BANK LTD. 2.2 SONALI BANK LTD. IN BANGLADESH 2.3 PERFORMANCE AND GROWTH 2.4 ACTIVITIES OF SONALI BANK LTD. 2.5 SWOT ANALYSIS OF SONALI BANK LTD. CHAPTER-3 CLIENT RELATIONSHIPS PRODUCTS 3.1 TRANSACTION BANKING 3.2 TRADE SERVICE 3.3 CUSTODY 3.4 LANDING CHAPTER-4 A DESCRIPTIVE ANALYSIS OF TRANSACTION BANKING 4.1 INTRODUCTION 4.2 CASH MANAGEMENT SERVICES 4.3 ACCOUNTS SERVICES 4.4 E-BANKING 4.5 NATIONAL COLLECTION SERVICES-NCS 4.6 OPSPAY 4.7 PREMIUM SERVICE-BANKING 4.8 PAYMENTS PLUS 4.9 TRADE REPORTS 4.10 WEB BANK 4.11 CHEQWRITER 4.12 BILLSPAY 4.13 CONCLUSION & RECOMMENDATION 4.15 BIBILIOGRAPHY ________________________________________________________Acknowledgement At the very outset, I would like to take this opportunity to express my gratitude to my internship supervisor, Mirza Aminur Rahman...
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...source of earning for Standard Chartered Bank. The principal issue to be considered while giving the facilities to individual consumer or to groups is the opportunity associated with such activities. Consumer banking opportunity is analyzed through considering a number of factors involved in it. All financial institutions have their individual way of measuring and managing opportunity to keep it at the highest possible level. Objective: The objective of this report is to focus on two broad issues. One is to briefly look at Standard Chartered Bank and understand the whole banking process, keeping close attention on their culture. The second objective and the main issues of this report is as follows- To briefly discuss about the current customer satisfaction level after increasing some charges and fesses. Scope: The report limits its scope to Standard Chartered Bank only. Limitations: Customers financial Information and information at the bank is confidential & critical. Total customer satisfaction level judged by statistical measurement no such financial judgment is used here. Methodology: Approach: Standard chartered bank is the leading foreign bank in Bangladesh. The report is based on both primary and secondary research. The secondary research provided the main input for the report. This provided a theoretical basis of the report. The primary research was done to know about the banks working procedures and different segments of banks. Primary source:...
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...FINANCIAL MARKETS AND INSTITUTIONS The core purpose of the following report is to analysis 5 of the top British Banks based on their total assets and by looking at their key balance sheet items, income statement items and financial ratios.. Most of the banks in the UK are MNCs. The top 5 banks in the United Kingdom have 90 percent market share. Here is the list of the top 5 banks in the UK: 1. HSBC 2. Lloyds Banking Group PLC 3. Standard Chartered Bank 4. Barclays 5. Royal Bank of Scotland Group Analysis of the key balance sheet and income items is as follows: Loans is one of the most important balance sheet items, as the ability to pool deposits from many sources that can be lent to many different borrowers creates the flow of funds inherent in the banking system. Gross loan is the total amount of issued credits given to banks during the accounting period. We can see from the graph below that HSBC maintained the most steady gross loan figures between 2008 -2012. This was despite the economic depression of 2008 by which RBS was evidently affected by the most with their gross loan figure being the lowest in 2011 of only £24979 million. One of the reasons for this is that UK taxpayers bailed out RBS in with the government owning over 80% of the business while HSBC avoided government assistance. Net Income is the amount of profit money a business has after determining total gross business income and deducting all expenses, taxes, depreciation, and interest. We...
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...1. Environmental Analysis Economic Forecast (Opportunity) Standard Chartered Asia economist Jeff Ng said that the 2015 Philippine economy will remain “anchored” amidst the “tempest” in the global financial system resulting from the frequent adjustments in US interest rate. Mr. Ng pointed out that provided vital infrastructure investments are laid in place, The Philippines may likely reach the higher end of the projection this year. “We expect the Philippines to still outperform the rest of its Asean neighbors. It’s a bright spot in Asia”. He added, “The Philippines is seen as a standout.” Relevance: Standard Chartered Bank has strong confident to stay their business in the Philippines due to good economic development and improving standards of living, poverty levels in emerging market economies (EMEs) are dropping. High opportunity to reach their target market because of high consumer market and investment potential in an economy. The bank expects the Bangko Sentral ng Pilipinas (BSP) to increase interest rates by 50 basis points by the fourth quarter of this year, as major economies continue to adjust their monetary policies as concern over the world economic growth linger. Philippines GDP Growth Rate rise up to 6% in 2015 The Philippines GDP advanced 1.1 percent in the third quarter of 2015, down from an upwardly revised 2.0 percent expansion reported in April to June and below market expectations. While the agriculture sector further contracted, growth in...
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...How does Standard Chartered Bank Botswana contribute to this discussion? | TABLE OF CONTENTS Abstract 3 Historical Background 4 Literature Review 6 Research Objectives 21 Methodology 22 Challenges 23 Methods 24 Data Analysis 25 Conclusion and Recommendations 27 References 28 Appendices 32 ABSTRACT The paper begins by highlighting the historical background of Standard Chartered Bank, and its evolution over the years, and how it eventually got to set up in business in Botswana. After this, the paper delves into the capital structure and dividend policy theories at length. The theories are at first discussed separately, and then meticulously blended as the report progresses. In addition, after a more general discussion, the topic is narrowed down to reflect on the capital structure subsisting under a banking environment. Empirical evidence from Standard Chartered Bank Botswana is then presented to assist future researchers reflect on how it stands against conventional theory. The result of the empirical study shows positive correlation between capital structure and dividend payment; and an even stronger correlation is evident between earnings per share and dividend payment. The paper, however, ends by recommending further studies using larger sample sizes to minimise sampling errors. 1. HISTORICAL BACKGROUND a. Origins Standard Chartered Bank is a British...
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...Internship Report: HRMP in Standard Chartered Bank Abstract According to the universalistic perspective, organizations from different sectors, across industries, and through different time periods should use a series of select human resource management practices (HRMP). The main principle of this paper is to investgate whether i there is any relationship between HRMPs and organizational performance, regarding Standard Chartered Bank in Bangladesh. This study aims to investigate the relationship of training, employee participation, and selection with perceived organiz ational performance in the context of Standard Chartered Bank in Bangladesh. This study is co -relational in nature and it will examine the correlation among these variables. A single set of sample will be considered for this study and that will be the employees of Standard Chartered Bank. A set of structured questionnaire will be distributed among 200 respondents. Regression analysis will be conducted for the purpose of data analysis. -1- Internship Report: HRMP in Standard Chartered Bank Origin of the Report The BBA internship program is a mandatory requirement for the students who are graduating from the BBA program under the School of Business of North South University, Bangladesh. In the internship program, I was attached to a host organization named µStandard Chartered Bank¶ for 12 weeks. During this period I learned how the host organization works with the help of the internal supervisor....
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...MANAGEMENT Risk Management In Banks R.S. Raghavan < E X E C U T I V E ◆Risk is inherent in any walk of life in general and in financial sectors in particular. Till recently, due to regulated environment, banks could not afford to take risks. But of late, banks are exposed to same competition and hence are compeled to encounter various types of financial and non-financial risks. Risks and uncertainties form an integral part of banking which by nature entails taking risks. There are three main categories of risks; Credit Risk, Market Risk & Operational Risk. Author has discussed U M M A R Y > in detail. Main features of these risks as well as some other categories of risks such as Regulatory Risk and Environmental Risk. Various tools and techniques to manage Credit Risk, Market Risk and Operational Risk and its various component, are also discussed in detail. Another has also mentioned relevant points of Basel’s New Capital Accord’ and role of capital adequacy, Risk Aggregation & Capital Allocation and Risk Based Supervision (RBS), in managing risks in banking sector. effectively controlled and rightly managed. Each transaction that the bank undertakes changes the risk profile of the bank. The extent of calculations that need to be performed to understand the impact of each such risk on the transactions of the bank makes it nearly impossible to continuously update the risk calculations. Hence, providing...
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...opportunities for banks. Banks will have to serve the retail banking segment effectively in order to utilize the growth opportunity. Banking strategies are presently undergoing various transformations, as the overall scenario has changed over the last couple of years. Till the recent past, most of the banks had adopted fierce costcutting measures to sustain their competitiveness. This strategy however has become obsolete in the new light of immense growth opportunities for banking industry. Most bankers are now confident about their high performance in terms of organic growth and in realising high returns. Nowadays, the growth strategies of banks revolve around customer satisfaction. Improved customer relationship management can only lead to fulfilment of long-term, as well as, short-term objectives of the bankers. This requires, efficient and accurate customer database management and development of well-trained sales force to develop and sustain long-term profitable customer relationship. The banking system in India is significantly different from that of the other Asian nations, because of the country’s unique geographic, social, and economic characteristics. Though the sector opened up quite late in India compared to other developed nations, like the US and the UK, the profitability of Indian banking sector is at par with that of the developed countries and at times even better on some parameters. For instance, return on equity and assets of the Indian banks are on par...
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...“ADVANCE RESEARCH ON THE FUTURE OF FLAT STEEL INDUSTRIES OF BANGLADESH – A RESEARCH REPORT OF STANDARD CHARTERED BANK” By Mohammed Mashud Ur Rahman ID: 0811084 An Internship Report Presented in Partial Fulfillment Of the Requirements for the Degree Bachelor of Business Administration INDEPENDENT UNIVERSITY, BANGLADESH May 2012 Letter of Transmittal May 29, 2012 Ms. Momtaj Khanam Senior Lecturer School of Business Independent University Bangladesh Dhaka Subject: Submission of Internship Report. Maam, This is a great pleasure for me to submit the Internship Report after successfully completion of all the courses of BBA program in your university. I have undertaken my internship program in Standard Chartered Bank Bangladesh (Main Branch, Chittagong) from February 20, 2012. While preparing the report on “Advance Research on the future of Flat Steel Industries of Bangladesh – A research report of Standard Chartered Bank” I have tried to gather as much information as possible. I was appointed under Commodity Traders and Agriculture (CTA) Department of Standard Chartered Bank, and it was a worthwhile experience for me working there. I believe that the internship program has enriched both my knowledge and practical expectance which has helped me in developing this report for you. Thanking you, Yours sincerely, Mohammed Mashud ur Rahman ID: 0811084 BBA Independent University Bangladesh PREFACE I appreciate that Independent University Bangladesh has this...
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...or priced. Capital is supplied through the business finance market in the form of bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues; venture capital or private equity; and asset-based finance such as factoring and invoice discounting. Small & Medium Enterprises, commonly known as SMEs, are relating to three types of sectors,( Service, Business & Industry ) typically labor intensive industries with relatively low capital intensity. For a country like Bangladesh where labor is abundant and capital scarce, SME plays a significant role in employment generation, poverty reduction and overall economic growth of our country. SMEs may not always have the same access to banks and financial institutions as larger firms. Banks are reluctant to expand their SME credit portfolio because lending to SMEs was not considered to be attractive and profitable undertaking. SMEs are regarded as high risk borrowers because of their low capitalization, insufficient assets and inability to comply with collateral requirements of the banks. Administrative costs are also higher because of close monitoring and supervision and credit management of the SME portfolio. Despite all these facts, banks and financial institutions, particularly those in the private sector, have been providing finance to the SMEs and the overall SME portfolio is on the increase. Standard Chartered Bank started its SME financing program in September 2003. It was known as Business Financial...
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