Essential of finance ca1

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  • 1.
    • Research on Financial Institutions in Singapore
  • 2.
    • Leader
    • Alfred Wee Fook Choon
    • Members
    • Tan Kok Heng
    • Leon Teo
    • Nahvieen
    • Jonathan
    • Teo Hui Ping
    • Toh Xinni
  • 3.
    • Definition of a Commercial Bank
    • Commercial Bank in Singapore
    • Types of loans offered
    • Profile of a local Bank
    • Specialisation
    • Question and Answer
  • 4.
    • A financial institution that provides services such as a accepting deposits and giving business loans.
    • Examples of local banks includes OCBC, DBS and UOB
  • 5.
    • Full Bank
      • Provide full banking services under banking Act
      • Total of 32
        • 6 local banks (OCBC, DBS, OCBC etc)
        • 26 foreign banks (BOC, BNP Paribas etc)
    • Qualifying Full Bank(QFB)
      • Total of 8 foreign banks awarded CAA 2 Sep 2010
        • Operating a total of 25 locations
        • Sharing of ATMs among themselves and relocating of branches freely
        • Eg. Standard Chartered, HSBC, Citibank etc
  • 6.
    • Wholesale Bank
      • May engage in the same range of banking business as full banks, except that they do not carry out SGD retail banking activities.
      • All operate as branches of foreign banks.
      • Eg. Credit Sussie, Barclays Bank, ING Bank, ABN AMRO etc
  • 7.
    • Off shore Bank
      • Engaged in same activities with Full and Wholesale banks for businessess but transaction are made in Asian Currency Units (ACUs).
      • More restricted domestic banking activities.
      • Eg. Credit Agricole (Suisse), Hang Seng Bank, Royal Bank of Canada
  • 8.
    • Typically, the banks categorizes loans as a personal and business.
      • Personal Loan
        • Personal Cash
        • Car
        • Education
        • Property
        • Investment
      • Business Loan
        • Overdraft (Cash)
        • Business Properties
        • Equity (working capital)
        • Commercial Equipment
  • 9.  
  • 10.
    • DBS Bank
      • Founded in 1968
      • 1 of Asia's largest financial services groups
      • Operating Income of SGD 6031 millions
      • Well-capitalised bank with "AA-" and "Aa1" credit ratings
      • Present in 15 countries mainly in Asia
      • Employees of 14,000
      • More than 200 branches across 50 cities
      • Serving over 4 million customers
      • Earned “Safest Bank in Asia” accolade in 2009,2010,2011
  • 11.
    • Consumer Banking
    • Treasury and markets
    • Asset management
    • Securities brokerage,
    • Equity and debt fund-raising
  • 12.  
  • 13.