...form and function of the global capital market. The market is attractive because its size lowers the cost of capital for borrowers, and allows investors to diversify their portfolios, thereby reducing their risk. Advances in information technology, and the deregulation of financial services and the relaxation of regulations on cross-border capital flows have contributed to the growth of the global capital market. The chapter then goes on to explore the Eurocurrency market, the global bond market, and the international equities market. The opening case describes how ICBC, China’s largest bank, raised $21 billion in the international equities market. The closing case examines how China Mobile raised capital in international markets through a stock offering and a bond issue. OUTLINE OF CHAPTER 11: THE GLOBAL CAPITAL MARKET Opening Case: Industrial and Commercial Bank of China Introduction Benefits of the Global Capital Market Functions of a Generic Capital Market Attractions of the Global Capital Market The Borrower’s Perspective: Lower Cost of Capital The Investor’s Perspective: Portfolio Diversification Growth of the Global Capital Market Information Technology Deregulation Global Capital Market Risks Management Focus: Deutsche...
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...businesses are beginning to find new ways to expand and exploit their opportunities. Most business sites lack focus and functionality. Others simply fail to take advantage of their full potential. The internet is proving to be the great equalizer, allowing the smallest of businesses to access markets and present a presents that allows them to complete against the giants in the industry. The Internet through the use of websites also offers organizations new way to market their products or services and interacts with end consumers. DEFINE: WEBSITE • A website is a collection of related web pages, images, videos, other digital assets that are addressed with a common domain name or IP address in an Internet Protocol based network (Caillian: 2007). • World Wide Web is a set of standards for storing, retrieving, formatting and displaying information using a client or server architecture, graphical user interface and hyper text language that enables dynamic links to other document (Laudon and Laudon: 1996)…….. TYPES OF WEBSITES 1) Corporate Website – Used to provide background information about a business, organization or service. 2) Electronic Commerce – a site offering goods and services for online sale and enabling online transaction for such a sale. 3) Forum Site – a site where people discuss various topics. 4) Community Site – a site where persons with similar social interests communicate with each other usually by chat such as My...
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...Midlands State University Faculty of Science and Technology Department of Information Systems Management MIM 705: ECCOMMERCE STRATEGIES NAME: NAISON GARAVANDA REG NUMBER: R156869M PROGRAMME: MISM LEVEL: 1.1 LECTURER: MR DENHERE ASSIGNMENT 1 E-commerce is a commercial activity dealing directly with the trading of goods and services and with other related business activities, in which the electronic communication medium plays a central role. The activities include the communication of information, management of payments, the negotiation and trading of products online. E-commerce is a part of e-business and its goal is to generate profits with a various sets of business through buying and selling principles. There are quite a number of ecommerce strategies that can be used in the banking industry. My focus is going to be on the implementation of an ecommerce strategy by BancABC. My aim is to come up with a holistic e-commerce strategy for the organisation. An e-commerce strategy, in its most simplistic form, consists of three steps which are: determining where the organisation is which is the situation review where it wants to go which is goal setting or the banks ecommerce vision The best way of moving from the one to the other this is referred to as the strategy formulation. For an ecommerce strategy to be successful the first major aspect is to have senior management comprehensively understanding what it means...
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...IS LLOYDS BANK V. ROSSET[1] STILL GOOD LAW? Thesis Lord Bridge’s ruling has for two decades witnessed a barrage of scholarly criticism, albeit correctly as the decision opened a window to deny the application of justice. It is no longer important in law as jurisprudence has developed. Introduction This paper sets to look at the ever evolving legal jurisprudence[2] in the courts, as one of the sources of the law in England. Having been decided in 1990, there have been several developments in the legal and international circles to warrant a re-look at the then precedent setting decision of the House of Lords concerning land law. Being a member of the EU, the UK has had to align most of its laws and regulations to fit into the EU treaty[3]. This is due to the superiority of the region’s law over municipal law[4]. The foregoing case, Lloyds Bank v. Rosset, (Plummer, 1990) shall herein be referred to as the Rosset case. Facts of the case A couple, Mr. and Mrs. Rosset undertook to jointly buy a family house, which was to be financed from a family trust fund in the name of the husband, in whose name the trust was. The house required patchworks and renovations after the purchase and the couple undertook to jointly manage the renovations from the site, a side of internal house renovations that they did. Unbeknown to the wife, the trust was unable to comprehensively fund the house repairs forcing the husband to acquire an overdraft facility from Lloyds Bank which also...
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...financial services organisations are rushing to become more customer focused. A key component of many initiatives is the implementation of Customer Relationship Management (CRM) software. Our research has highlighted that most institutions take a rather narrow view of CRM and as such, benefits have been limited. While second generation CRM has emerged to embrace the total organisation (hence Enterprise CRM), success in general has still not been widespread. In the paper, a framework is presented which is based on incorporating ebusiness activities, channel management, relationship management and backoffice/front-office integration within a customer centric strategy. © 2000 Elsevier Science Ltd. All rights reserved Once upon a time retailers, banks, insurance companies and car dealers had a close relationship with their customers. They often knew them individually, understood what they wanted, and satisfied their needs through personal customised service. As a result, they earned loyalty and a large share of their customers’ business. This, however, was a costly and inefficient system and customers effectively subsidised this relationship by paying higher prices. Over the years, through mass marketing and increased consumerism customers traded relationships for anonymity, reduced variety and lower prices. Today, through the effective use of information and communications technology, such a tradeoff is now not necessary; organisations can offer their customers variety, lower prices and...
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...LONDON: The Stationery Office £12.25 Ordered by the House of Commons to be printed on 7 March 2006 REPORT BY THE COMPTROLLER AND AUDITOR GENERAL | HC 961 Session 2005-2006 | 10 March 2006 contents ExEcuTivE SuMMAry PArT 1 This report has been prepared under Section 6 of the National Audit Act 1983 for presentation to the House of Commons in accordance with Section 9 of the Act. John Bourn Comptroller and Auditor General National Audit Office 7 March 2006 The National Audit Office study team consisted of: Craig Adams, Tim Bryant, Alan Hartnell and Si Mathavan assisted by Santosh Gora, Daisy Hodgson, Laura Hughes, Kevin Manic and Robert Pogose under the direction of Peter Gray This report can be found on the National Audit Office web site at www.nao.org.uk For further information about the National Audit Office please contact: National Audit Office Press Office 157-197 Buckingham Palace Road Victoria London SW1W 9SP Tel: 020 7798 7400 Email: enquiries@nao.gsi.gov.uk © National Audit Office 2006 1 Introduction PArT 2...
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...THE INFLUENCE OF OCCUPATIONAL HEALTH AND SAFETY ON PRODUCTION: A CASE OF ZIMBABWE PPC COLLEEN BAWN BY EMMANUEL MAGANGA A DISSERTATION PRESENTED TO THE DEPARTMENT OF GEOGRAPHY AND ENVIRONMENTAL STUDIES IN PARTIAL FULFILMENT OF THE BACHELOR OF SCIENCE HONOURS DEGREE IN GEOGRAPHY AND ENVIRONMENTAL STUDIES. MIDLANDS STATE UNIVERSITY MAY 2013 SUPERVISION ACKNOWLEDGEMENT FORM MIDLANDS STATE UNIVERSITY FACULTY OF SOCIAL SCIENCES DEPARTMENT OF GEOGRAPHY AND ENVIRONMENTAL STUDIES STUDENT: EMMANUEL MAGANGA (R091941J) The undersigned certify that they have read and recommended to the Midlands State University for acceptance as a dissertation entitled: The Influence of Occupational Health and Safety on Production: A Case of Zimbabwe Pretoria Portland Cement, Colleen Bawn. STUDENT…………………………………………………..DATE ….../……../ 2013 SUPERVISOR……………………………………………....DATE……/……../ 2013 CHAIRPERSON…………………………………………….DATE……/……../ 2013 EXTERNAL EXAMINER………………………………….DATE……/……./ 2013 Submitted in partial fulfillment of the Bachelor of social sciences Honors Degree in Geography and Environmental studies DEDICATIONS To My Parents I dedicate this accomplishment to my parents Mr and Mrs Maganga for to have made me who I am today. May God bless you with long life so that you may be able to see all my successes’ and achievements. I love you ACKNOWLEDGEMENTS I would like to thank the Lord our God for all the knowledge, wisdom, support and guidance throughout my research. This project would not have been...
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...A Survey of Electronic Cash, Electronic Banking and Internet Gaming 1 2 TABLE OF CONTENTS PREFACE ..........................................................................................................................5 FOREWORD ..........................................................................................................................7 INTRODUCTION ............................................................................................................... 11 ELECTRONIC CASH .......................................................................................................... 15 INTRODUCTION ................................................................................................... SMART CARDS/STORED VALUE CARDS........................................................ The Basics ..................................................................................................... Stored-Value Card Issuers ............................................................................ COMPUTER E-CASH ............................................................................................ The Basics ..................................................................................................... E-Cash Issuers ............................................................................................... REGULATORY POLICY ......................................................................................... SUMMARY OF ELECTRONIC CASH...
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...International Journal of Retail & Distribution Management Building brand webs: Customer relationship management through the Tesco Clubcard loyalty scheme Jennifer Rowley Article information: To cite this document: Jennifer Rowley, (2005),"Building brand webs", International Journal of Retail & Distribution Management, Vol. 33 Iss 3 pp. 194 - 206 Permanent link to this document: http://dx.doi.org/10.1108/09590550510588361 Downloaded on: 15 September 2014, At: 19:08 (PT) References: this document contains references to 37 other documents. To copy this document: permissions@emeraldinsight.com The fulltext of this document has been downloaded 17452 times since 2006* Downloaded by UNIVERSITI MALAYSIA SABAH At 19:08 15 September 2014 (PT) Users who downloaded this article also downloaded: Jason J. Turner, Karen Wilson, (2006),"Grocery loyalty: Tesco Clubcard and its impact on loyalty", British Food Journal, Vol. 108 Iss 11 pp. 958-964 Mark D. Uncles, Grahame R. Dowling, Kathy Hammond, (2003),"Customer loyalty and customer loyalty programs", Journal of Consumer Marketing, Vol. 20 Iss 4 pp. 294-316 Jennifer Rowley, (2007),"Reconceptualising the strategic role of loyalty schemes", Journal of Consumer Marketing, Vol. 24 Iss 6 pp. 366-374 Access to this document was granted through an Emerald subscription provided by 313615 [] For Authors If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about...
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...of Commons to be printed 8 July 2015 HC 264 © Crown copyright 2015 This publication is licensed under the terms of the Open Government Licence v3.0 except where otherwise stated. To view this licence, visit nationalarchives.gov.uk/doc/open-government-licence/version/3 or write to the Information Policy Team, The National Archives, Kew, London TW9 4DU, or email: psi@nationalarchives.gsi.gov.uk. Where we have identified any third party copyright information you will need to obtain permission from the copyright holders concerned. This publication is available at www.gov.uk/government/publications Any enquiries regarding this publication should be sent to us at public.enquiries@hmtreasury.gsi.gov.uk Print ISBN 9781474122733 Web ISBN 9781474122740 ID 25061566 07/15 PU1820 Printed on paper containing 75% recycled fibre content minimum Printed in the UK by the Williams Lea Group on behalf of the Controller of Her Majesty’s Stationery Office The Budget report is presented pursuant to section 2 of the Budget Responsibility and National Audit Act 2011 and in accordance with the Charter for Budget Responsibility. The Budget report, combined with the Office for Budget Responsibility’s Economic and fiscal outlook, will constitute part of the government’s assessment under section 5 of the European Communities (Amendment) Act 1993 that will form the basis of the government’s submissions to the European Commission under 121 TFEU (ex Articles 99/103 TEU) and Article...
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...What is a Reservations Sales Agent? A Reservations Sales Agent processes customer enquiries and bookings for travel arrangements including airline tickets, coach bookings, accommodation, day tours, car-hire, transfers and travel insurance. They usually work over the telephone or on-line and occasionally face to face depending on the company. What does a Reservations Sales Agent do? The agent processes customer bookings and answers customer enquiries over the phone and on-line. All bookings (or reservations) then go into a computer reservations system. A Reservations Sales Agent needs to ask and answer questions to ensure their customers get what they are looking for. It is important that a Reservations Sales Agent has comprehensive product information about what they are selling in order to answer customer enquiries accurately. What does it take to be successful? A love of dealing with people, good listening skills, attention to detail and accuracy. The Reservations Sales Agent needs to be able to work at a fast pace as they will often find reservations roles are located in call centres with large numbers of phone calls on hold with clients awaiting your help. What is the Travel Agencies Industry? This industry includes businesses that sell, book and arrange travel, tour and accommodation services for the general public and commercial clients. The industry also encompasses companies primarily engaged in providing travel arrangement and reservation services, including...
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...Return to contents 1 Contents Page Introduction 1 1.1 1.2 General information about citation Style More than one citation from the same author in the same year 1.3 1.4 Quotations and page numbers Citing references for items you have not actually read 1.5 1.6 2 3 3.1 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Issues associated with dates Multiple authors (et al. or and others) The Harvard system: style options Books Electronic books Journal articles Newspaper articles Websites Theses and dissertations Blogs and wikis Social networking sites Personal communications Conference proceedings Maps Audiovisual resources Visual resources Performance Parliamentary information Legal references Standards and patents Market research reports Further support and help 3 6 6 6 6 8 8 8 9 9 16 18 23 24 24 25 26 27 29 30 31 34 38 39 42 44 45 45 Return to contents 2 Introduction Welcome to the 9th edition of Citing References This guide has developed into a resource that offers recommendations and practical examples for intext citation and referencing using the Harvard system. Accurate citation and references are both cornerstones of good academic writing and you will be directed by your tutors to adopt the style used by your particular course or module. If you need advice about what method to use, contact your tutor. There are many methods of citation and this guide outlines aspects of the Harvard system guidelines given in BS ISO 690 (British Standards Institution...
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...A REPORT ON DEPOSITORY INSTITUTIONS: COMMERCIAL BANKING INDUSTRY OF BANGLADESH Date of submission: 24th August 2015 Submitted to Farzana Lalarukh Associate Professor Department of Finance University of Dhaka Submitted by SL Name BBA ID Remarks 1 Sifat sadia 17-003 2 Barna Paul 17-047 3 Maghla Hossain 17-061 4 Saima Sultana 17-069 5 Nawsina Arif 17-085 Department of Finance University of Dhaka Date of Submission: 24th August, 2015 Department of Finance University of Dhaka Letter of Transmittal August 24, 2015 Farzana Lalarukh Associate Professor Department of Finance University of Dhaka Subject: Submission of Report on depository institutions: banking industry of Bangladesh. Dear Madam, It gives us enormous pleasure to submit the report on Depository institutions of Bangladesh as per the Advisor’s instruction. We expect this report to be informative as well as comprehensive as per requirement. Working with such a topic was an inspiring experience for us. We believe that the knowledge and the experience we gathered will facilitate us a lot in our future career life. With our limited knowledge, we have tried our level best to prepare the report worthwhile. Your acceptance and appreciation would surely inspire us. For any further explanations about the report, we will be gladly available to clarify the ins and outs. Sincerely, Sifat Sadia Roll no. 17-003 On behalf of Group...
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...Cadbury World A Case Study An overview of Cadbury World, its origins, history and operations 1 © Cadbury plc, produced by Cadbury World Marketing Team 2009 Overview This case study explains the history and product development of Cadbury World; aspects of its operational and marketing functions, as well as providing some key numerical data. It is intended to provide students and other interested parties with a snapshot view of and insight into one of the UK’s leading leisure attractions. It is strongly recommended that the case study is used in association with a visit to the attraction. Cadbury World in Context Seen as a new venture into the leisure industry when it opened in 1990, Cadbury World began its life principally as a public relations tool, but quickly became a popular half-day venue for people of all ages looking for quality leisure time. The original attraction was very educational and historical-based, with mainly static displays. Over time, Cadbury World has grown to be a family attraction of much bigger dimensions. It has maintained visitor numbers comfortably in excess of half a million annually, and returns a healthy paper profit back into Cadbury UK as well as bringing value to the company in terms of public interface and direct communication to the consumer. The original vision for Cadbury World was to provide a tourist attraction experience and provide an alternative to the demands from the general public denied access to...
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...Course Technology’s Management Information Systems Instructor and Student Resources Introduction to IS/MIS Principles of Information Systems, Eighth Edition • Stair, Reynolds Fundamentals of Information Systems, Fourth Edition • Stair, Reynolds Management Information Systems, Sixth Edition • Oz Information Technology in Theory • Aksoy, DeNardis Office Applications in Business Problem-Solving Cases in Microsoft Access & Excel, Sixth Annual Edition • Brady, Monk Succeeding in Business Applications with Microsoft Office 2007 • Bast, Gross, Akaiwa, Flynn, et.al Succeeding in Business with Microsoft Office Excel 2007 • Gross, Akaiwa, Nordquist Succeeding in Business with Microsoft Office Access 2007 • Bast, Cygman, Flynn, Tidwell Databases Database Systems, Eighth Edition • Rob, Coronel Concepts of Database Management, Sixth Edition • Pratt, Adamski Data Modeling and Database Design • Umanath, Scamell A Guide to SQL, Seventh Edition • Pratt A Guide to MySQL • Pratt, Last Guide to Oracle 10g • Morrison, Morrison, Conrad Oracle 10g Titles Oracle9i Titles Enterprise Resource Planning Concepts in Enterprise Resource Planning, Third Edition • Monk, Wagner Data Communications Data Communications and Computer Networks: A Business User’s Approach, Fourth Edition • White Systems Analysis and Design Systems Analysis and Design in a Changing World, Fifth Edition • Satzinger, Jackson, Burd Object-Oriented Analysis and Design with the Unified Process • Satzinger, Jackson, Burd Systems Analysis and...
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