...Abinaya Infanta F13001 Overview of the Bank: DCB Bank- at a glance: * DCB Bank Limited (formerly Development Credit Bank Ltd. ) is a modern emerging new generation private sector Bank. Present since 1930s DCB is the only co-operative bank in India to have been converted into a private sector commercial bank in 1995. * Strong presence in Andhra Pradesh, Gujarat and Maharashtra resulting in sticky customer deposits from traditional customers. New branch expansions in Madhya Pradesh, Odisha, Punjab Rajasthan. * Distribution network of 130 branches across 80 locations and 238 ATMs Comprehensive product range & scalable infrastructure : * Business model focussed on achieving a balance between Micro SME, SME, Retail Mortgages, Commercial vehicle, Gold, Loans and Mid corporate and Agri inclusive Banking * Comprehensive range of Banking products across all businesses * Modern systems and infrastructure to support growth – Finacle, FinnOne, CMS, Internet and Mobile Banking Focus on building Retail Deposits Retail Deposit franchise: * Continued focus on building Retail Deposits * CASA on 25% and CRAR of 13.71 % under Basel III Steady improvement in credit ratings: * Crisil rating has re-affirmed its rating A-/Stable for long term and A1+ for Certificate of Deposits and Short term Fixed Deposit Programme. * Brickwork Ratings: BWR A- Stable Strong Promoter: * DCB’s promoter, Aga Khan Fund for Economic Development(AKFED) is present in...
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...................................................................4 SWOT Analysis...............................................................................................................................5 International Sales...........................................................................................................................6 Relevancy Ratings...........................................................................................................................7 Conclusion.......................................................................................................................................8 References........................................................................................................................................9 Abstract Creating and operating an on-line business can be challenging but yet rewarding. For this paper a case study, The Cliptomania Web Store, was presented and several different areas were evaluated. These areas were: keys to success; strengths, weaknesses, opportunities, and threats (SWOT); conducting business internationally; relevancy...
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...Information Technology is having a tremendous impact on today's workplace in creating new ways of doing business. The expanding capabilities of networks, the extensive use of the Internet, and the radical improvements in personal computers are all contributing to creating a foundation for conducting business electronically, and bringing us into the age of electronic commerce (E-Commerce or EC). The advent of Internet-based business-to-business electronic commerce (B2B-EC) has brought about many benefits to enterprises in developed countries. It offers direct links between trading firms and their customers, which creates a new trading mechanism in a highly effective and efficient manner, thus reducing operating costs and achieving quick response time. As such, enterprises in developing countries have begun to apply B2B-EC to their businesses, in order to achieve these benefits as well. China has been developing dramatically these years, and has joined the WTO in 2001. However, B2B electronic markets are still in their early stages of development. Diverse aspects of consumer economy such as purchasing habits, payment methods and modes of exchange are different from those of the developed countries. These years, many corporate suppliers and customers in China are looking for Internet-based solutions to streamline their procurement procedures and to reduce the cost of establishing trading relationship by conducting trading transactions electronically (Martinsons, 2002). Due to...
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...Matt Rush E-Commerce Everywhere Throughout the course of its existence, the internet has revolutionized many things that occur in everyday life by making them more efficient, more convenient, and more accessible. Shopping is no exception. Online shopping is a tool that countless people take advantage of in today’s tech-savvy world. As late as only two decades ago, it would be unheard of for a person to sit at their desk at home, order a product at their convenience, and have the product show up at their doorstep several days later. Today, this action is commonplace, and company names such as Amazon and eBay have become household names that anybody can associate with the online shopping craze. However, as with all good things, there have been several controversies and downsides that have emerged as shopping on the internet has become more prevalent in society. Those issues, as well as the history and future of purchasing items online, will be examined throughout the following pages. One of the most popular sites for internet users to purchase items is ebay.com. EBay is a site that allows users to place items for sale in an auction format, and throughout the course of the auction’s life, other users can bid on the item. Pierre Omidyar founded this website in 1995. Omidyar’s original reason for starting eBay was his fiancée’s inability to find other people with which she could sell and add to her Pez collection. The frustrations of collectors included not being...
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...survival, growth and maintaining the sustainable development. However, amidst all this turmoil India’s Banking Industry has been amongst the few to maintain resilience. The tempo of development for the Indian banking industry has been remarkable over the past decade. It is evident from the higher pace of credit expansion, expanding profitability and productivity similar to banks in developed markets, lower incidence of non- performing assets and focus on financial inclusion have contributed to making Indian banking vibrant and strong. Indian banks have begun to revise their growth approach and re-evaluate the prospects on hand to keep the economy rolling. 1. HISTORICAL BACKGROUND Bank of Hindustan was set up in 1870; it was the earliest Indian Bank. Later, three presidency banks under Presidency Bank's act 1876 i.e. Bank of Calcutta, Bank of Bombay and Bank of Madras were set up, which laid foundation for modern banking in India. In 1921, all presidency banks were amalgamated to form the Imperial Bank of India. Imperial bank carried out limited number of central banking functions prior to establishment of RBI. It engaged in all types of commercial banking business except dealing in...
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...The Decision Stage Quantitative Strategic Planning Model [QSPM] Recommendations Epilogue Introduction Target Corporation is a powerful retail brand. It has a reputation for value for money, convenience and a wide range of products all in one store. Target Corporation is the third-largest general merchandise retailer in the United States. It offers an assortment of general merchandise, including consumables and commodities; electronics, entertainment, sporting goods, and toys; apparel and accessories; and home furnishings and decor; as well as a line of food items. The company operates its stores under Target and SuperTarget brands. It also sells its merchandise online, as well as offers credit cards to its customers. In addition, the company runs Target Clinics in select twin cities Target...
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...Summary of Matrix Analysis Stage 3: The Decision Stage Quantitative Strategic Planning Model [QSPM] Recommendations Epilogue Introduction Target Corporation is a powerful retail brand. It has a reputation for value for money, convenience and a wide range of products all in one store. Target Corporation is the third-largest general merchandise retailer in the United States. It offers an assortment of general merchandise, including consumables and commodities; electronics, entertainment, sporting goods, and toys; apparel and accessories; and home furnishings and decor; as well as a line of food items. The company operates its stores under Target and SuperTarget brands. It also sells its merchandise online, as well as offers credit cards to its customers. In addition, the company runs Target Clinics in select twin cities Target stores, which offer various services, including flu shots; and treatment for common illnesses, such as strep throat, bronchitis, and skin conditions. Target's first store opened in Roseville, Minnesota, in 1962. Its on-trend merchandise at affordable prices launched a new era in discount retailing. This "T-1" stores were easy to shop, attractive and...
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...Commercial Bank Management (CBM) Credits: 3 ------------------------------------------------- ------------------------------------------------- Course Instructor: Prof. D N Panigrahi Objectives of the course: The course inputs are designed to accomplish the following objectives. * To help students to understand the role and functions of Commercial Banks, main strategic issues in retail and corporate banking and the risks faced by the Banking Industry in India. * To familiarise the students with the new Banking Practices and Processes including new banking technologies. * To familiarise the students with the legal and regulatory framework for banks in India. * To equip the students with the tools and techniques used in interpreting and evaluating the performance, profitability, productivity, and efficiency of the Commercial Banks. * To equip the students with the in-depth knowledge of Bank Financial Management Process including Treasury, Investment, Asset Liability Management & Risk Management. * To equip the students with the in-depth knowledge and skills in Credit Analysis & Appraisal Processes relating to the banks’ lending decisions like Working Capital Financing, Term Loan & Project Financing, Domestic & International Trade Finance including Export-Import Finance, BG (LG) & LC, Retail Asset Financing like Home Loans, Car Loans, Educational Loans, Gold Loans, Loans ag. Securities, Personal and Credit Card Loans. * To understand...
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...Introduction Commercial Bank of Ceylon Limited commenced its operation in Bangladesh by acquiring the Bangladesh operations of Credit Agricole Indosuez (CAI) in 2003. The high performance of Commercial Bank of Ceylon Limited is a reflection of the qualities and attributes that has been accepted by people advocating good management practices in the corporate sector. The event marked the first ever acquisition of multinational bank by a Sri Lankan bank and is a direct consequence of Commercial Bank of Ceylon Ltd’s continued commitment towards business expansion. The bank possesses a strong corporate clientele and it has set its vision to be a strong regional bank providing superior personal banking services. CBC was adjudged the Best Bank in Sri Lanka for 8 consecutive years up to 2006 by the ‘Global Finance’ Magazine based in US and for 5 consecutive years up to 2005 by ‘The Banker’ magazine based in UK. In Sri Lanka, Commercial Bank of Ceylon Ltd. is known as the largest and fully networked banking environment provider. The bank enjoys the reputation of having an unrivalled employment of information technology and a very reliable ATM network around the country. In his report Managing Director of the bank remarked that the Bank's new Vision places a premium on having a strong international presence by 2011. After outperforming its peers in the home country, the bank is now in Bangladesh to continue with its legacy of success. While emphasizing social responsibility and community...
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...Introduction Commercial Bank of Ceylon Limited commenced its operation in Bangladesh by acquiring the Bangladesh operations of Credit Agricole Indosuez (CAI) in 2003. The high performance of Commercial Bank of Ceylon Limited is a reflection of the qualities and attributes that has been accepted by people advocating good management practices in the corporate sector. The event marked the first ever acquisition of multinational bank by a Sri Lankan bank and is a direct consequence of Commercial Bank of Ceylon Ltd’s continued commitment towards business expansion. The bank possesses a strong corporate clientele and it has set its vision to be a strong regional bank providing superior personal banking services. CBC was adjudged the Best Bank in Sri Lanka for 8 consecutive years up to 2006 by the ‘Global Finance’ Magazine based in US and for 5 consecutive years up to 2005 by ‘The Banker’ magazine based in UK. In Sri Lanka, Commercial Bank of Ceylon Ltd. is known as the largest and fully networked banking environment provider. The bank enjoys the reputation of having an unrivalled employment of information technology and a very reliable ATM network around the country. In his report Managing Director of the bank remarked that the Bank's new Vision places a premium on having a strong international presence by 2011. After outperforming its peers in the home country, the bank is now in Bangladesh to continue with its legacy of success. While emphasizing social responsibility and community...
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...scheduling into the 21st century. The web based program will simply require internet service and a computer in order to access the online application from within the store. From the store computer, call in customers can be manually entered into the online scheduling application or the customer may schedule themselves from their own personal computer or mobile phone application. This technology system was specifically chosen for UMUC Haircuts because the cost for implementation and maintenance is very low and requires minimal resources aside from a computer and local internet connection. Myra will finally have customer scheduling linked to her employees schedules via the Schedulicity calendar her business will utilize for customer appointment times. This calendar will display the times Mya’s employees will be working in order for customers to select their desires hairstylist and time. Generic Strategy: Differentiation Strategic business area: Operations Management Process to be improved: Customer and employee scheduling | High/Medium/Low Importance or Relevance or Not Applicable (N/A) | Explanation for Ranking(minimum 2 sentences for each, linked to specific technology solution proposed) | Usability | High | The web application has to be easy to use because although customers may receive services without utilizing the new system, the employees and Myra will need to use it every day. The rating of High was given because while a customer may call in to schedule an appointment...
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...Internship Report on Credit Rating and Factore of Affecting The Bank rating Executive Summery Credit rating agencies (subsequently denoted CRAs) specialize in analyzing and evaluating the creditworthiness of corporate and sovereign issuers of debt securities. In the new financial architecture, CRAs are expected to become more important in the management of both corporate and sovereign credit risk. The logic underlying the existence of CRAs is to solve the problem of the informative asymmetry between lenders and borrowers regarding the creditworthiness of the latter. Issuers with lower credit ratings pay higher interest rates embodying larger risk premiums than higher rated issuers. Moreover, ratings determine the eligibility of debt and other financial instruments for the portfolios of certain institutional investors due to national regulations that restrict investment in speculative-grade bonds. The banking sector in Bangladesh passed through significant changes in terms of structure and policies. Starting with six nationalized commercial and a few specialized banks after independence, the total number of banks has reached 48 at present including private and foreign commercial banks. The Bangladesh financial sector is under going through a phase of transaction, transformation and convergence. The regulators are more active then ever before to bring the sector up to an international standard. The competitive environment created with the presence of too many banks in...
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...Inside Job I. Effect of Economic crisis on Iceland a. In 2000 Iceland’s government began a broad policy of deregulation i. They allowed companies like ALCOA to build giant aluminum smelting plants and exploit Iceland’s natural geothermal and hydroelectric resources, many of which are located in Iceland’s majestic and ecologically fragile highlands. b. At the same time the government privatized the 3 largest banks in the country (The banks borrowed $120 million – 3 times the size of Iceland’s economy) c. American accounting firm KPMG audited Iceland’s banks and found nothing wrong. American credit rating agencies gave Iceland’s banks the highest possible credit rating. d. When Icelandic banks collapsed at the end of 2008 unemployment tripled in 6 months and many people lost their savings. e. 1/3 of Iceland’s financial regulators went to work for the banks. II. How the Crisis Happened f. In September 2008 the bankruptcy of Lehmann Brothers and the collapse of AIG led to the onset of the financial crisis which doubled the U.S. national debt and rendered 30 million people unemployed g. The crisis was not an accident ii. Since the 1980s the financial industry has caused more and more severe crises even as the industry has made more money iii. After the Great Depression the U.S. had 40 years of economic growth without a single financial crisis, partly because investment banks were private institutions...
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...the change from personal to digital. Many consumers fear the possibility of problems because they are not dealing with individuals in a retail environment. They fear the possibility of identity theft by hackers and problems with hidden costs and uncertain return policies. These problems do occur with online shopping but there are certain steps and measures that can be taken to reduce these problems. The digital firm is a way for everyone to make their lives easier and less stressful. Identity Theft Shopping online can increase your risk to being a victim identity theft. Computer crime is growing now that more people have access to computers and the Internet.. In the article “Online Shoppers Report More Problems” from USA Today, the author states that the year 2000 saw formal complaints filed against Internet sales sites reach 3,913, more than twice the 1999 total of 1,692.The figures reflect complaints against businesses that sell only online. Brick-and-mortar outlets with Web sites were not...
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...events leading up to a crisis begins with a type of “displacement,” a type of outside shock to the macroeconomic system. The KAM model explores the three stages in which a financial bubble crisis is formed, fueled, and then popped. The Mania, also commonly known as the “bubble,” arises from aggressive investing in the market where the product’s liquid or real assets no longer plays a role in determining it’s worth, instead it’s values are based on pure optimistic speculation for prices to continually rise. Then Panics occur in the sub-prime mortgage area when there are insufficient funds available to repay the interests on loans and or the credits owed have mounted too high. At last, the Crash becomes imminent since banks nor lenders are willing to lend more money or to buy securities that have been formed by sub-prime mortgages. The securitization of the sub-prime mortgages were originally the profit makers but also ultimately the cause of the financial bust (Kindleberger and Aliber, 2011). INTRODUCTION The financial bubble’s origin is born from a displacement in the market. According to the KAM paradigm, the most likely shock factors which caused the displacement is related to the government’s change in policies and the technological advances associated with the internet. With the increasing popularity and the ease of accessing information via the internet, loans were more readily accessible as the lending market...
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