...range of financial services in 56 countries. Barclays provides retail banking services to customers, whether they are individuals or businesses. It offers a broad range of financial products and services including current accounts, savings accounts and general insurance. Within the UK, Barclays communications are designed to help customers ‘Take One Small Step’ to managing their money better every day. Different kinds of customers represent distinct markets for Barclays. The market for personal banking services is very competitive. Personal customers have a choice of banks on the high street or on the web to assist them in managing their finances. For example, they can have their salaries paid into accounts, pay bills through the bank or save money to gain interest on their savings. There is also a competitive market for business banking services. Businesses require different services such as credit management, payments for suppliers or loans and overdrafts to help them to survive and grow. For example, an expanding business may need a mortgage to buy a new building. Each market is capable of being further sub-divided into segments. A market segment is a part of a whole customer group that shares particular characteristics. These include such factors as age, life stages, geography or occupation. Within the market of personal banking, the segments could include categories such as students, graduates, ‘new to work’, mature, and families. By identifying different market segments...
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...Introduction Each market is capable of being further sub-divided into segments. Barclays is a global bank. It provides a range of financial services shares particular characteristics. These include such factors as in 56 countries. Barclays provides retail banking services to age, life stages, geography or occupation. Within the market of customers, whether they are individuals or businesses. It offers a personal banking, the segments could include categories such as broad range of financial products and services including current students, graduates, ‘new to work’, mature, and families. By accounts, savings accounts and general insurance. identifying different market segments, organisations can ensure A market segment is a part of a whole customer group that they are providing products or services to meet the needs of these Within the UK, Barclays communications are designed to help customers. In addition to this, appropriate promotional techniques customers ‘Take One Small Step’ to managing their money better can be used to reach the people in the separate segments. every day. Through segmentation, Barclays has been able to devise appropriate banking offers for customers in different segments. Different kinds of customers represent distinct markets for This approach is helping Barclays to improve its market share of Barclays. The market for personal banking services is very the student accounts market. competitive...
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...range of financial services in 56 countries. Barclays provides retail banking services to customers, whether they are individuals or businesses. It offers a broad range of financial products and services including current accounts, savings accounts and general insurance. Within the UK, Barclays communications are designed to help customers ‘Take One Small Step’ to managing their money better every day. Different kinds of customers represent distinct markets for Barclays. The market for personal banking services is very competitive. Personal customers have a choice of banks on the high street or on the web to assist them in managing their finances. For example, they can have their salaries paid into accounts, pay bills through the bank or save money to gain interest on their savings. There is also a competitive market for business banking services. Businesses require different services such as credit management, payments for suppliers or loans and overdrafts to help them to survive and grow. For example, an expanding business may need a mortgage to buy a new building. Each market is capable of being further sub-divided into segments. A market segment is a part of a whole customer group that shares particular characteristics. These include such factors as age, life stages, geography or occupation. Within the market of personal banking, the segments could include categories such as students, graduates, ‘new to work’, mature, and families. By identifying different market segments...
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...Business Topic: Defining Financial Terms Instructor: Rodney Nelsestuen Financial Management: Principals and applications. Define the following terms and identify their roles in finance: Finance - Financial management is concerned with the maintenance and creation of economic value or wealth. Consequently, this course focuses on decision making with an eye toward creating wealth. As such, we will deal with financial decisions such as when to introduce a new product, when to invest in new assets, when to replace existing assets, when to borrow from banks, when to issue stocks or bonds, when to extend credit to a customer, and how much cash to maintain. (Arthur J. Keown, John D. Martin, J. William Petty, and David F. Scott, Jr.-2005) Efficient market- is a market in which the values of all assets and securities at any instance in time fully reflect all available public information. An efficient market is characterized by a large number of profit-driven individuals who act independently. In addition, new information regarding securities arrives in the market in a random manner. Given this setting, investors adjust to new information immediately and buy and sell the security until they feel the market price correctly reflects the new information. ( Author J. K. et all- 2005) Primary market is a market in which new, as opposed to previously issued, securities are traded. This is the only time that the issuing firm actually receives money for its stock. For example...
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...are two main things that may be done to gain this working capital essential to grow. The first is through increasing debt from the banking sector and the other is by issuing shares to general public. We will be discussing the process of issuing shares to the public which is defined as IPO (Initial Public Offering). This involves opening shares up for purchase by the public through the Stock Exchange Market. Allowing the purchaser of these share the opportunity to become a partial owner of the equity which this business creates. The main intent behind this is that the stockholder would share in the success or failure of the company. It is for this reason that firms must know when and if they should go public. The question then becomes why should they go public and share the profit? The explanation to this question is simple. A firm must make a conscience choice to offer shares publically for the better good of the business. Making these shares available comes at a low cost to the firm, but in an enormous amount. The second part to this answer becomes clear when we examine the financial benefits gained by the firm which include: • Public limited company rates would have a lessening effects when debt is issued. • If market demand for shares increases, a public limited company has the option to issue more stock. • Stocks are sold on the open market giving them liquidity, which appeals to potential investors. Role of the Investment Banker and Underwriter The role of...
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...Monthly Newsletter of Indian Institute of Banking & Finance (ISO 9001 : 2008 CERTIFIED ORGANISATION) (Rs. 40/- per annum) Committed to professional excellence Volume No. : 5 Issue No. : 6 January 2013 Mid-Quarter Monetary Policy Review - 18th Dec., 2012 Monetary and Liquidity Measures q The Cash Reserve Ratio (CRR) of scheduled banks remains unchanged at 4.25% of their Net Demand and Time Liabilities (NDTL). q Repo Rate under the Liquidity Adjustment The Facility (LAF) remains unchanged at 8%. qReverse Repo Rate under the LAF remains The unchanged at 7%. q The Marginal Standing Facility (MSF) and Bank Rate stands at 9%. Growth In Q2 of 2012-13, GDP growth at 5.3% was marginally lower than 5.5% recorded in Q1. On the domestic front, GDP growth is evolving along the baseline projection of 5.8% for 2012-13. Industrial activity rose sharply in October due to a low base and festive demand, propelling the growth of both consumer durables and non-durables into double digits. Significantly, capital goods production recorded a growth of 7.5% after 13 successive months of decline. Inflation Headline WPI inflation edged down to 7.2% in November due to softening of prices of vegetables, minerals and fuel. The new combined (rural and urban) CPI (Base : 2010 = 100) inflation increased in November, reflecting sustained food inflation pressures, particularly for vegetables, cereals, pulses, oils and fats. Monetary and Liquidity Conditions Money Supply (M3) growth remained below its...
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...Financial Terms and Roles Lauren White FIN/370 February 25, 2013 Wayne Mitchell Financial Terms and Roles Create a list of definitions of the following terms and identify their roles in finance: • Finance: The science that describes the management, creation, and study of money, banking, investments, credit, assets, and liabilities. Finance can be broken down into three major sub-categories: public, corporate, and personal finance. Major studies include financial systems and instruments that can relate to countless assets and liabilities. • Efficient market: A market whose prices quickly respond to the announcement of new information. • Primary market: A part of the financial market where new security issues are initially brought and sold. • Secondary market: The financial market where previously issued securities such as stocks and bonds are bought and sold. • Risk: The possibility that shareholders will lose money when they invest in a company that has debt, if the company’s cash flow proves inadequate to meet its financial obligations. Companies that use debt financing ensure that creditors are repaid before shareholders if the company becomes insolvent. • Security: A negotiable instrument that represents a financial claim that has value. Securities are broadly classified as debt securities (bonds) and equity securities (shares of common stock). • Stock: An instrument that signifies an ownership position in a company. Certain companies that are publically traded...
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...FASB Accounting Standards Codification Case This case consists of a series of questions. For each question, your mission is to locate the paragraph in the FASB Accounting Standards Codification (ASC) that answers the question. Please CUT AND PASTE the paragraph from the standards into this document for each question and provide a full reference, including the topic, subtopic, section, and paragraph (e.g. “ASC 605-15-25-1”, or “ASC Master Glossary” for definitions). Submit a hard copy of your answers by Wednesday, October 30th 9:00 am. The FASB Codification database is available at: http://aaahq.org/ascLogin.cfm Student Access Username: AAA51226 Password: KMFpjSW 1. To gain familiarity with the content and organization of the FASB’s Accounting Standard Codification (ASC), use the general topics presented below and determine where the following accounting terms would be located. Topical Categories: Section # General Principles ................................... 100 Presentation .............................................. 200 Assets........................................................... 300 Liabilities...................................................... 400 Equity........................................................... 500 Revenue........................................................ 600 Expenses..................................................... 700 Broad Terms............................................... 800 Industry.................
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...Block IV MACROECONOMICS – II UNIT 17 Inflation 1-14 UNIT 18 Banking and Money Supply 15-31 UNIT 19 International Trade and Balance of Payments 32-50 UNIT 20 Economic Indicators 51-62 UNIT 21 Business Cycles 63-71 UNIT 22 Economic Growth, Development and Planning 72-84 Economics for Managers Expert Committee Dr. J. Mahender Reddy Vice Chancellor IFHE (Deemed to be University) Hyderabad Prof. Y. K. Bhushan Vice Chancellor IU, Meghalaya Prof. Loveraj Takru Director, IBS Dehradun IU, Dehradun Course Preparation Team Prof. Ramalingam Meenakshisundaram IFHE (Deemed to be University) Hyderabad Ms. Pushpanjali Mikkilineni IFHE (Deemed to be University) Hyderabad Mr. Pijus Kanti Bhuin IU, Sikkim Ms. Preetaq Dutta Rai IU, Jharkhand Ranchi Prof. S S George Director, ICMR IFHE (Deemed to be University) Hyderabad Dr. O. P. Gupta Vice Chancellor IU, Nagaland Prof. D. S. Rao Director, IBS, Hyderabad IFHE (Deemed to be University) Hyderabad Ms. Hadiya Faheem IFHE (Deemed to be University) Hyderabad Mr. Mrinmoy Bhattacharjee IU, Mizoram Aizawal Prof. Tarak Nath Shah IU, Dehradun Mr. Manoj Kumar De IU, Tripura Agartala © The ICFAI University Press, All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, used in a spreadsheet, or transmitted in any form or by any means – electronic, mechanical, photocopying or otherwise – without prior permission in writing from The ICFAI University Press, Hyderabad. Ref. No. Eco Mgrs SLM – 09...
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...Statement on Monetary Policy – February 2012 Box D: Covered Bond Issuance by Australian Banks Covered bonds are on-balance sheet asset-backed securities issued by financial institutions. Investors in covered bonds have a preferential claim on a pool of assets (called the cover pool) in the event that the issuing institution fails to make the scheduled payments on the covered bond. If the cover pool is insufficient to meet the issuer's obligations to investors, they have an unsecured claim on the issuer for any residual amount.[1] Covered bonds typically have a higher credit rating than that of the issuer because the cover pools are usually comprised of high-quality assets such as prime mortgages, covered bond holders rank above unsecured creditors, and extra collateral is held in the cover pool. There is a well-developed global market for covered bonds, particularly in Europe. In Australia, however, authorised deposit-taking institutions (ADIs) have only recently been permitted to issue these bonds, following the passing of legislation – the Banking Amendment (Covered Bonds) Act 2011 – in October 2011. Under the new legislation, there is a cap on covered bond issuance by ADIs to limit the subordination of depositors to covered bond investors. An ADI must limit the value of its cover pools to a maximum of 8 per cent of its assets in Australia. Given that Australian ADIs have set their cover pools at close to 120 per cent of the value of covered bonds – with some variation of...
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...competitive is difficult in this industry, as FAO Schwarz discovered when it filed for bankruptcy after 143 years in the toy business.1 This plug-in introduces basic business fundamentals beginning with the three most common business structures—sole proprietorship, partnership, and corporation. It then focuses on the internal operations of a corporation including accounting, finance, human resources, sales, marketing, operations/production, and management information systems. A.1 LEARNING OUTCOMES A. 1. Define the three common business forms. A. 2. List and describe the seven departments commonly found in most organizations. A. 3. Describe a transaction and its importance to the accounting department. A. 4. Identify the four primary financial statements used by most organizations. A. 5. Define the relationship between sales and marketing, along with a brief discussion of the marketing mix. A. 6. Define business process reengineering and explain how an organization can use it to transform its business. Types of Business Businesses come in all shapes and sizes and exist to sell products or perform services. Businesses make profits or incur losses. A profit occurs when businesses sell products or services for more than they cost to produce. A loss occurs when businesses...
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...Assignment 2.1 Group Project: The Money Supply By David Rathbun Prof. Dr. David Bouvin The analysis of the money supply is usually calculated by each individual countries central bank. These liquid assets include are considered the total number of monetary assets available for an economy at a specific time. This can be complicated but in analysis becomes quite simple. The United States uses M0 thru M3 and includes MB and MZM. Starting with M0 which is this is the most liquid assets easily spendable funds cash and coins outside of Federal Reserve Banks and the vaults of depository institutions. Countries differ on what is constitutes M1 and in fact the United Kingdom does not use M1 at all for their money supply. The United States calculates M1 as the total amount of cash/coins outside of the private banking system plus the amount of demand deposits, travelers checks and other check related deposits. Items not included in M1 are items such as savings accounts and stocks. These two financial transactions are considered part of M2 due the assets being less liquid. [1] Money supply M1 in the United States has increased to 2534.70 USD billion in May of 2013 from 2523.20 USD billion in April 2013.[2] M2 is calculated by adding up M1 and other less liquid funds such as most savings accounts, money market accounts, retail money market mutual funds, and small denomination time deposits (certificate of deposits under $100,000).[1] Money Supply M2 In the United States...
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...The UNOFFICIAL GUIDE to INVESTMENT BANKING Issued by CONTENTS MYTHS AND REALIT IES 6 OVERV IEW OF INVE STMEN T BANK ING INTRODUCTION 4 WHY AN UNOFFICIAL GUIDE TO INVESTMENT BANKING? 3 ASSET 8 MANAGEM ENT 12 GLOBAL BANKING FINANCE 10 GLOBAL MARKETS 16 HUMAN ES RESOURC 20 22 GROUP TECHNOL OG & OPERA Y TIONS LEGAL, RISK & CAPITAL 24 WORKING THE PROCESS TOP TIPS 28 30 GLOSSARY Why an “Unofficial Guide to Investment Banking?” The aim of this guide is to give you a fresh view of investment banking. A brochure is helpful, but can read a little like a catalog. We think you need to know what your life would really be like, challenging out-of-date myths and stereotypes, so you are able to make the most informed decision possible. This is an honest look at investment banking and is based on the experiences of people just like you, who have now gone through the graduate program and come out the other side with blossoming careers. It is the inside story of investment banking written by analysts for graduates, and you won’t hear this tale anywhere else. We’re going to tell you about all the divisions you could work for, what life’s really like for analysts and show you that there’s more to banking than pitch books, power lunches and pinstriped suits. And if you still want to go into banking once you’ve heard the inside scoop, we’ll tell you about how to get there and...
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...RISK MANAGEMENT IN ISLAMIC BANKING AND FINANCE: THE ARAB FINANCE HOUSE EXAMPLE Bilal A. Fleifel A Thesis Submitted to the University of North Carolina Wilmington in Partial Fulfillment of the Requirements for the Degree of Master of Business Administration Cameron School of Business University of North Carolina Wilmington 2009 Approved By Advisory Committee Howard Rasheed Cetin Ciner William H. Sackley Chair Accepted By DN: cn=Robert D. Roer, o=UNCW, ou=Dean of the Graduate School & Research, email=roer@uncw. edu, c=US Date: 2010.01.21 15:02:51 -05'00' ________________________ Dean, Graduate School TABLE OF CONTENTS TABLE OF CONTENTS ..................................................................................................... ii ABSTRACT........................................................................................................................ vi ACKNOWLEDGMENTS .................................................................................................. vii DEDICATION .................................................................................................................. viii LIST OF TABLES .............................................................................................................. ix LIST OF FIGURES...............................................................................................................x GLOSSARY .............................
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...equally responsible for the debt of the business. These limited partnerships are either a LLP, which stands for limited liability partnership or the more common one a limited liability company, also known as LLC. c. A corporation is the last of the business forms. This is not as easy as the previous two. Corporations have to go through the state and adhere to the guidelines given to them. A corporation can keep living in the business world even once the owners die. They also have shares to sell to the stakeholders. This can help bring in more capital to the company. C) Once a corporation continues to grow, they can go public, which means that initially the owners have depleted their personal resources and now they approach financial institutions to take on some of the debt. They sell shares to the public to help with the investments of the company. A corporate governance is where the company has a set of rules and regulations that is meant to help...
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