Essential of finance ca1
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Essential of finance ca1






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    Essential of finance ca1 Essential of finance ca1 Presentation Transcript

      • Research on Financial Institutions in Singapore
      • Leader
      • Alfred Wee Fook Choon
      • Members
      • Tan Kok Heng
      • Leon Teo
      • Nahvieen
      • Jonathan
      • Teo Hui Ping
      • Toh Xinni
      • Definition of a Commercial Bank
      • Commercial Bank in Singapore
      • Types of loans offered
      • Profile of a local Bank
      • Specialisation
      • Question and Answer
      • A financial institution that provides services such as a accepting deposits and giving business loans.
      • Examples of local banks includes OCBC, DBS and UOB
      • 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
      • 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
      • 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
      • 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
      • 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
      • Consumer Banking
      • Treasury and markets
      • Asset management
      • Securities brokerage,
      • Equity and debt fund-raising