Banking Essays

Banking – Regulatory Changes

Regulators, in their continuous efforts to follow best banking practices to combat money laundering and terrorist financing to prevent the possible use of the banking sector for money laundering, terrorist financing, transfer of illegal/ill-gotten monies and other white collar crime, has come up with specific guidelines, for the financial institutions. In line with the international best practices, to maintain consistent and focused approached within banking sector, central bank/ regulators have issued comprehensive documents. Governments identifying the increasing trend of financial…

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Activities of Investment Banking

The Investment bank is the financial institution which assists the governments, corporations and the individuals in raising the capital by acting or underwriting as the agent of the client in issuance of securities. The investment bank can also help the companies which are involved in acquisitions and mergers, and offer ancillary services like the trading of the derivatives, market making, foreign exchanges, instruments of the fixed income, equity securities and commodities. Unlike the retail banks and commercial banks, the investment…

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Banking Internarnal Analysisl and Exte

Australia’s banking history can be described in four eras, the private banks, the commonwealth banks, the reserve bank and deregulation. Australian’s first bank was founded in 1817, the Bank of New of New South Wales. The main purpose of this bank is to take deposits and re-loaned the money by providing discounts of exchanged. Since there is no central bank, each private bank are taking their own risk and a lot of private banks stood and fall from its credit….

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Commerce Bank Case

Executive Summary Commerce Bank has been a pioneer in the banking industry by returning to customer service. This has driven customers to the bank, but in order to stay ahead on the curve they want to move away from the model that has worked for them. An analysis was performed regarding whether their new concept of “retailtainment”, entertaining customers throughout the banking service process, would be beneficial or not. After thorough consideration, it was determined that “retailtainment” was not the…

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Banking Regulation

Financial regulation relates to laws and rules that govern what financial institutions such as banks, brokers and investment companies can do. These may be set though legislation or be stipulated by the relevant regulatory agency, for instance the FSA in the UK . Regulation is needed to ensure consumer’s confidence in the financial sector . It does this by providing smaller retail clients with protection against potential losses and by protecting consumers against monopolistic exploitation , e.g. makes sure product…

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Environmental Analysis of Barclays Bank

EXECUTIVE SUMMARY Banks are central to every society; they provide the funding that facilitates business and entrepreneurship, support a sound financial system, and help to create jobs and wealth. Banks in the UK operate in a highly competitive, globalised but lightly-regulated environment. They face increasingly well-informed and ‘energetic’ customers, determined legislators, and electorates who are becoming environmentally aware. They have to adapt to changing economic and market conditions, fast changing consumer needs and expectations. Their business is influenced by global…

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The Primary Purpose of Financial Markets

Borrowers and lenders of funds use financial markets for buying necessary goods or for saving. Borrowers (or deficit units) require funds and this is provided by lenders (or surplus units). Generally deficit units will require large amounts of funding for buying goods such as cars or houses, however most surplus units will not have enough money to lend out to them standalone. Because of this, a financial institution is used to facilitate the flow of funds from the lender to…

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Performance Evaluation of Banking Industry in Bangladesh

Banking is an essential industry that affects the welfare of all other industry and the economy as a whole. In fact, growth and development of a country significantly depend on the level of growth and development attempted by the banking sector. There is a consensus regarding the positive role played by the financial sector in promoting economic development (Gerschenkron, 1962; Patrick, 1966; Galbis, 1977). In Bangladesh, banking sector has flourished a lot compared to other sectors of the economy. But…

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Separation of Commercial Banks and Investment Banks

One of the key concerns growing out of the debate on whether to separate or merge retail banking and wholesale/investment banking activities has been the stability of a nation’s banking system. The experience of the US banking system has suggested that merge of commercial and investment banks is a better approach to achieving stability. After the global financial crisis, the American economy went into recession. The policy priority of American government was then to intervene into its banking system so…

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Report on Nmb

Tribhuvan University, Faculty of Management (FOM) commenced Bachelors of Business Administration (BBA) program as a distinct approach of attaining both theoretical knowledge and practical exposure. This university is the oldest university in Nepal and since its establishment it has been providing excellent education to the students. It provides a wide range of streams in the educational sector among which management education holds a major position. It introduced the Bachelor in Business Administration (BBA) program in the year 2001/02 with an…

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Impact of Foreign Banks on Banking in Emerging Economies

Increased technology and innovation International banking in emerging–market have some advantages from the technology and innovation. The advanced technology and innovation system could even surpass the conventional technology and innovation. For example, they could improve productivity, increase in market and increase the competition and so on . Innovations in customer experience and superior customer service delivery, network integration. (Infosys 2000). For example, the internet and computer system have a useful communication system to connect the consumer and bank. In daily…

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External Environment for Banking Industry

Standard Chartered is the world’s leading emerging markets bank headquartered in London. Standard Chartered employs 30,000 people in over 500 locations in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, the United Kingdom and the Americas. It is one of the world’s most international banks, with a management team comprising 70 nationalities. Standard Chartered has been committed to Hong Kong and China for nearly 150 years. Standard Chartered Bank opened its first branch…

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Information and Computer Technology on Banking

For over a decade, the rapid advancement in information and communication technology has significantly affected the banking industry. The banking sector has embraced the use of technology to serve its client’s faster and also to do more with less. Emerging technologies have changed the banking industry from paper and branch based banks to “digitized and networked banking services”. Unlike before, broadband internet is cheap and it makes the transfer of data easy and first. Technology has changed the accounting and…

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Alliance Bank

1. Introduction Alliance Bank is one of the leading banks in Kazakhstan, and it is the tenth largest bank in terms of assets in Kazakhstan. Headquartered of the bank are located in Almaty. Bank is developing as a universal financial institution in all lines of business, with a primary focus on retail banking and lending to SMEs.JSC Alliance Bank, has been operating for over 15 years. Recently bank has been shadowed by number of scandals, which had a negative effect…

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Recent Trends in Indain Banking Sector

The economy can be divided in the entire spectrum of economic activity into the real and monetary sectors. The real sector is where production takes place while the monetary sector supports this production and in a way is the means to the end. We know and we accept the financial system is critical to the working of the rest of the economy. In fact, the Asian crisis of the nineties, or for that matter what happened in Latin America and…

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