...ADVANCING CREDIT RISK MANAGEMENT THROUGH INTERNAL RATING SYSTEMS At Bank for Investment and Development of Viet Nam JSC (Transaction office no.8 ) Table of Contents Foreword Part I : Overview of Bank Credit risk management and The theoretical basis of Internal rating systems 1. The activities of commercial banks 1.1. The concept of a commercial bank. 1.2. Operation and Performance of Commercial Banks 2. Managing Operational risk in banking 3. Definition of an Internal Rating System 4. Rating models 4.1. Outlines of Rating Models 4.2. Validation of Rating Models 4.3. Adjusting Rating Models 5. Uses of Internal Rating Systems 6. Benefits of Using an Internal Rating System Part II : Current situation of Credit activities and Internal rating systems at BIDV ( Transaction office no.8 ) 1. General introduction of Bank for Investment and Development of Viet Nam JSC ( BIDV ) 2. Current business status of BIDV 2.1. Socio-economic situation in the period of 2008-2012 2.2. Situation of BIDV business operations in the period of 2008-2012 3. Situation of BIDV Credit quality in the period of 2008 – 2012 3.1. Current situation of BIDV Credit quality 3.2. Achivement of BIDV Credit activities 3.3. SWOT analysis on Credit activities of BIDV branches 4. Current situation of Internal rating systems at BIDV 4.1. Current situation of Credit Risk Management at BIDV 4.2. Current situation of Customer rating systems at BIDV (Transaction office no. 8) ...
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...| | |3 D MORDEN COLLEGE LONDON | | | |Diploma in Strategic Management and Leadership Level 7 | | | |Unit 1: Developing Strategic Management and Leadership Skills | | | |Assignment : Apply theories of Leadership and Management to an organisation | | | |Tutor: Mr M.T.Islam Date Set: 08 January 2015 | | ...
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...22716C Developing Strategic Management and Leadership Skills Unit code: F/602/2058 QCF Level 7: BTEC Professional Credit value: 10 Guided learning hours: 30 Unit aim This unit provides the learner with an understanding of the links between strategic management, leadership and organisational direction, and the skills to be able to apply this understanding. Unit introduction The main aim of this unit is to investigate how current thinking on leadership influences an organisation’s planning to meet current and future leadership requirements. Learners will gain an insight into the current thinking on leadership from an organisational perspective. They will examine the links between strategic management and leadership, particularly the skills a leader needs to support organisational direction. The unit will help learners understand the impact of management and leadership styles on strategic decisions in differing situations, through examining the competences and styles of successful leaders. Applying management and leadership theories and models to specific situations will enable learners to assess their impact on organisational strategy. The unit will draw on a selection of established principles, including the influence of emotional intelligence on leadership effectiveness. This will enable learners to assess how organisations can plan to meet current and future leadership requirements. This unit gives an organisational perspective...
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...Impact of leadership Styles on Quality Management in Health care Effective and strong leadership is one of, if not the most important and critical component for any organization’s success, particularly in health care facilities. Leadership also plays a major role in enhancing an organization’s competitiveness as confirmed by various academics (Rowe, 2001; Riaz & Haider, 2010). Many argue and suggest that there is a connection between an organization’s leadership style and its ability to implement and manage quality initiatives. That being said, researchers still encounter difficulties when assessing the effect of leadership styles on healthcare quality management, as most of the available theories were developed outside of healthcare setting. This paper aims to present an evaluation and a review of published scholarly articles discussing three styles of leadership and their association with quality management initiatives. The three leadership styles chosen for this evaluation are: Transformational leadership, servant leadership, and situational leadership. The paper will also describe my current leadership style, then compare it to the transformational model, and finally outline the changes I need to implement in order to incorporate its key characteristics into my own style. Research Summaries In the first article titled “Knowledge Management as a Mediator for the Efficacy of Transformational Leadership and Quality Management Initiatives in U.S. Health Care” (2009)...
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...State College Managerial Communications/Man-373-OL012 June 9, 2012 Professor Lampman COMMUNICATION IN MY WORKPLACE 2 Abstract The purpose of this paper is to evaluate my current workplace in the light of the theories and characteristics of managerial communication that I am currently studying, and to identify and illustrate two characteristics of communication that I have observed first-hand. I have chosen the communication climate, and the importance of feedback and measures of effectiveness as the topic of my paper. I intend to show the current problems which are rooted in ineffective communication, and apply the most effective theories of managerial communication. I will discuss a top-down communications strategy for management, as well as some ways that employee initiative can improve the situation. COMMUNICATION IN MY WORKPLACE 3 The Effects of the Communication Climate and Strategies to Obtain Feedback Upon applying strategic analysis to my workplace, a group of clinics owned by a mid- sized community hospital, I have identified two characteristics of communication which need to be improved. A focus on improving these characteristics only would create a more productive work environment, which is the main goal of management, but would also create better morale, employee unity, and ultimately, a better environment of care for the patient. The first characteristic that I will examine is the communication climate...
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...Organizational theories and management styles are key factors in the success of an organization. These theories can determine the structure of the organization by defining the best way to organize and work employees and by helping the organization adapt to its environment. Organizations and managers are unique in their own way; however most organizations and managers can be grouped into categories or types depending on their organizational or management styles. Organizational Theories Organizational theory, defined as “the study of the structures of organizations”, developed in the early 20th century during the industrial age (Wright, n.d.). There are four major organizational theories today. They are the classical theory, the human relations or neoclassical theory, the contingency theory and the modern systems theory. Classical organizational theory was the first recognized organizational theory and is considered to be a combination of scientific management, bureaucratic theory and administrative theory. It is thought to be rigid and has declined in popularity over the years. Developed in 1911 by Frederick Taylor, scientific management involves using scientific methods to determine the best way to complete a job utilizing the best equipment and the best person. Taylor was successful in improving productivity by finding the most efficient way to perform a task, matching the right person to each task, ensuring that the worker followed instructions exactly and using...
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...sheet Qualification | Unit number and title | Pearson BTEC Level 7 Diploma in Strategic Management and Leadership (QCF) | Unit 1 Developing Strategic Management and Leadership Skills | Student name | Assessor name | | | Date issued | Completion date | Submitted on | | | | | | Assignment title | Strategic Management and Leadership Report (1 of 1) | ------------------------------------------------- LO | Learning Outcome | AC | In this assessment you will have the opportunity to present evidence that shows you are able to: | Task no. | Evidence(Page no) | 1 | Understand the relationship between strategic management and leadership | 1.1 | Explain the link between strategic management and leadership | 1 | | | | 1.2 | Analyse the impact of management and leadership styles on strategic decisions | 1 | | | | 1.3 | Evaluate how leadership styles can be adapted to different situations | 1 | | 2 | Be able to apply management and leadership theory to support organisational direction | 2.1 | Review the impact that selected theories of management and leadership have on organisational strategy | 1 | | | | 2.2 | Create a leadership strategy that supports organisational direction | 2 | | 3 | Be able to assess leadership requirements | 3.1 | Use appropriate methods to review current leadership requirements | 3 | | | | 3.2 | Plan for the development of future situations requiring leadership | 3 | | 4 | Be able to plan the development of leadership skills |...
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...Change Management Plan Date Instructor Change Management Plan Introduction: In current dynamic business world, the only static thing is change. Organizations have to deal with great variety of changes across the year. With passage of time, intensity of competition amongst business organizations has increased. At the same time, need for changing as per business needs has also arisen. Case for Riordan Manufacturing has also not been different. Right now, the company is lagging far behind in customer service and communication process as they do not have proper system to record details of their customers. This has hampered their growth and development in the past and managers have realized that they must have proper communication plan in place to achieve small and long term business objectives. This particular paper shall talk about planning process in the organization in order to form proper communications plan for better customer service. Current formal and informal capital structure in organization: Organization’s hierarchy does not have a problem in Riordan Manufacturing. They have extremely talented pool of diverse workforce. But biggest problem in current system of communications is that they do not have integrated and centralized system which could store all relevant details about the customers. Maintaining and management of database is extremely important as managers’ role is not just to procure new customers for the organization but also to maintain...
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...Sample Assignment Assignment front sheet Qualification Unit number and title Pearson BTEC Level 7 Diploma in Strategic Management and Leadership (QCF) Unit 1 Developing Strategic Management and Leadership Skills Student name Assessor name Date issued Completion date Submitted on Assignment title Strategic Management and Leadership Report (1 of 1) LO Learning Outcome AC In this assessment you will have the opportunity to present evidence that shows you are able to: Task no. Evidence (Page no) 1 Understand the relationship between strategic management and leadership 1.1 Explain the link between strategic management and leadership 1 1.2 Analyse the impact of management and leadership styles on strategic decisions 1 1.3 Evaluate how leadership styles can be adapted to different situations 1 2 Be able to apply management and leadership theory to support organisational direction 2.1 Review the impact that selected theories of management and leadership have on organisational strategy 1 2.2 Create a leadership strategy that supports organisational direction 2 3 Be able to assess leadership requirements 3.1 Use appropriate methods to review current leadership requirements 3 3.2 Plan for the development of future situations requiring leadership 3 4 Be able to plan the development of leadership skills 4.1 Plan the development of leadership skills for a specific requirement 3 4.2 Report...
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...Project Chariot is proposed by MC’s CFO, Stephen Bollenbach, to face the troubles that Marriott Corporation (MC) is currently facing. A glimpse of history is useful to understand the current situation. MC’s main business is to develop hotel properties, to sell them to outside investors and to conclude long-term contracts. In the 70’s MC began to finance its expansion by major borrowings under the impulsion of the new president J.W Marriott, Jr. that abandoned the conservative financing policy of its predecessor (and father). In 1981 the Economy Recovery Tax Act (ERTA) gave enormous incentives for companies to invest (tax write-offs were given for each $ invested in real estate). This pushed MC to develop even more its activities for instance in lodging services or in full service compact hotel. Even though ERTA was ended in 1986 MC continued its massive investments, which lead to a significant accumulation of debt. This was not an issue since the revenue growth was able to sustain the also growing interest payments. Until the drop of income in 1989, which froze capital expenditures. Unfortunately for MC, it was followed by the real estate collapse in 1990 that left MC with massive interest payments for properties that no one wanted to buy anymore given the current economic environment. This situation results in an extremely limited ability for MC to raise funds in the capital market and therefore to finance its high growth market (like the life-care community facilities for which...
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...Bandon Group INC. Sunday July 7, 2013 STRAYER UNIVERSITY Introduction The Bandon Group, Inc. is a successful company in the copier industry. The company has four different successful divisions. However, each division has its own information technology strategy. This places the company at a disadvantage to compete with competitors as well as grow as a company. The current information technology strategy is identified as well as the standard practices by their competitors. The limitations of Bandon Group are also identified as well as the direction they will like to grow into. Step 1 - Purpose and Scope of the Study The Bandon Group intends to have an information system study conducted to determine how they can best use Information Technology (IT) to meet the overall mission, goals and objectives of the organization over the next 3-5 years. The purpose of a Management Information System is to collect, store and process business information and to deliver it to decision makers in a format they can use. Information systems have gone through many changes. Experts currently refer to the current era as the “Customer-Focused Era” of modern computing (Petter & Mclean, 2012). Users expect to receive customized experiences based on their unique requirements. Currently Bandon has decentralized divisions around the country supported by a centralized IT infrastructure. The purpose of the study is to identify how Bandon Group can build a more integrated information system...
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...Integrated Case study AN ANALYSIS OF THE CASE MAN GROUP (A) January 2013 Integrated Case Study: Man Group (A) Contents Page Acknowledgements Executive Summary Chapter 1: Introduction 1 Chapter 2: Case brief 4 Chapter 3: Problem statement and Analysis 8 3.1 Problem statement for Man Group Plc (A) 3.2 Literature review 3.3 Proposed plan of analysis 3.4 Sources of data Chapter 4: Analysis and Findings 22 An assessment of the current position Chapter 5: Proposed solution to Problems 29 5.1 Integrated discussion of the analysis 5.2 Recommendations 5.3 Proposed plan of action 5.4 Limitations of the study, scope for further research Chapter 6: Application to another case 35 6.1 Background 6.2 Description of the comparator company’s situation 6.3 Testing the recommendations on the comparator company Appendices References Word count: 11,980 Acknowledgements My sincere regards and gratitude goes to Almighty God who gave me strength and will to complete my studies successfully. I give my deepest regards to my supervisor Dr. K. Vijay Shenai for his guidance, support and dedication towards all his students. I extend my regards to all my friends who supported me through my studies and were of immense help to me. My warm regards and love for my parents who have always been an inspiration to me and have always supported me throughout my studies, this would...
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...STRATEGIC BUSINESS PLAN for (company name) for Period January 2002 to December 2005 (dates are examples only) Approved by (name), (position), on (date) Update Status: (amendment number), on (date) TABLE OF CONTENTS Executive Summary Section Page 1. Strategic Focus 2. The Business 3. Market Analysis 4 Products 5 Marketing 6 Research and Development 7 Production and Delivery 8 Supply Chains 9 Business Systems and Processes 10. Stakeholder Relationships and Alliances 11. Organisational and Management 12 Environmental and Social Impacts 13 Risk Factors and Regulatory Compliance 14 Corporate Governance 15 Financials 16 Application of Investment Funds 17 Strategic Action Plan 18 Plan Improvement Appendices: 1. 2. 3. Some Thoughts on Writing this Plan before We Start • Clearly identify the readers of this document. Then write the plan in a style that is easily understood by readers • Remember that this plan is a working document that has the clear purpose of initiating focussed action and generating clear and measurable results. Avoid the excessive use of descriptive adjectives to 'pad' or over-sell the plan. Flowery, highly descriptive language can cloud key issues, blur the plan's focus and slow/confuse its implementation • Keep the plan 'tight'; ensure it remains concise, balanced, clear and logical. Where possible use quantitative rather than qualitative information. Remember the KISSS approach to planning;...
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...STRATEGIC BUSINESS PLAN for (company name) for Period January 2002 to December 2005 (dates are examples only) Approved by (name), (position), on (date) Update Status: (amendment number), on (date) TABLE OF CONTENTS Executive Summary Section Page 1. Strategic Focus 2. The Business 3. Market Analysis 4 Products 5 Marketing 6 Research and Development 7 Production and Delivery 8 Supply Chains 9 Business Systems and Processes 10. Stakeholder Relationships and Alliances 11. Organisational and Management 12 Environmental and Social Impacts 13 Risk Factors and Regulatory Compliance 14 Corporate Governance 15 Financials 16 Application of Investment Funds 17 Strategic Action Plan 18 Plan Improvement Appendices: 1. 2. 3. Some Thoughts on Writing this Plan before We Start • Clearly identify the readers of this document. Then write the plan in a style that is easily understood by readers • Remember that this plan is a working document that has the clear purpose of initiating focussed action and generating clear and measurable results. Avoid the excessive use of descriptive adjectives to 'pad' or over-sell the plan. Flowery, highly descriptive language can cloud key issues, blur the plan's focus and slow/confuse its implementation • Keep the plan 'tight'; ensure it remains concise, balanced, clear and logical. Where possible use quantitative...
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...Human Resource Management Ethical Dilemma: The Padding That Hurt Introduction: Ethics is basically the branch of the philosophy that deals with making a difference among right and wrong. In the business world the ethics have taken a essential place in this modern time and every successful corporation have a complete code of ethics that have to be followed by the management, workers and other stakeholders of the company. Ethical behavior in the workplace make it a perfect place for the people working there without any discrimination and this ethical behavior is the main cause of the successful running of the businesses in all parts of the world. In the workplace the ethics includes the integrity, team work, sense of responsibility, commitment, behavior etc that are considered essential for the work. The ethics no doubt is the crucial part of the workplace but at the same time the business corporations facing various kinds of the ethical issues like the harassment of different kinds, frauds, lack of commitment and sense of responsibility, discrimination and many other forms of the unethical behavior seen in the work place in the modern time. The current case is also linked to the unethical behaviors that need to be fixed on time to save the company from the huge financial expenses. The unethical behaviors that are identified in the current scenario are the financial frauds, lack of sense of responsibility and discrimination that results in a lot of expenses from the very trusted...
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