Npa In Banks

Npa in Banks
NON PERFORMING ASSETS IN BANKS REPORT SUBMITTED TO DEI IN PARTIAL
FULFILLMENT OF THE REQUIREMENTS FOR THE FOLLOWING AWARD OF BBM
FINANCE & MARKETING NON PERFORMING ASSETS IN BANKS ACKNOWLEDGEMENT
The work with this dissertation has been extensive and trying, but in the first place exciting,
instructive, and fun. Without help, support, and encouragement from several persons, I would never
have been able to finish this work. First of all, I would like to thank my teacher and guide Mr.
S.P.Singh who not only served as my supervisor but also encouraged and challenged me throughout
my academic program. He patiently guided me through the dissertation process, never accepting less
than my best efforts. His editorial advice ... Show more content on Helpwriting.net ...
All these indicate newly emerging opportunities for Indian Banking. But on the darker side we see
the accumulated morass, brought out by three decades of controlled and regimented management of
the banks in the past. It has siphoned profitability of the Government owned banks, accumulated
bloated NPA and threatens Capital Adequacy of the Banks and their continued stability. Nationalised
banks are heavily over–staffed. The recruitment, training, placement and promotion policies of the
banks leave much to be desired. In the nutshell the problem is how to shed the legacies of the past
and adapt to the demands of the new age. Chapter I INTRODUCTION INTRODUCTION Banking
sector reforms in India has progressed promptly on aspects like interest rate deregulation, reduction
in statutory reserve requirements, prudential norms for interest rates, asset classification, income
recognition and provisioning. But it could not match the pace with which it was expected to do. The
accomplishment of these norms at the execution stages without restructuring the banking sector as
such is creating havoc During pre–nationalization period and after independence, the banking sector
remained in private hands Large industries who had their control in the management of the banks
were utilizing major portion of financial resources of the banking system and as a result low priority
was accorded to priority
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What Is JP Morgan Chase?
I have decided to research JP Morgan Chase as my top firm to write about. My decision to write
about Chase was because I have an account with this company. American banking was a small–scale
affair before the 198o's and nationally charted banks were limited as well (Larson, 2010).
Economies of scale are known as savings that companies enjoy when they become larger and
produce more output (Larson, 2010). A variety of technological factors constitute a third force
contributing to economies of scale (Thomas & Maurice, 2010). For Example, The development of
bulk computer processing centers and electronic data transmission which has allowed banks to move
back office operations away from individual branches to large remote centers. This has

Case Study : Chase & Co Essay
JPMorgan Chase & Co. origins back to 1799 when it was firstly chartered in New York City.
JPMorgan Chase& Co. today encompasses more than 1,200 banks and credit institutions. As global
economy leader, it's most important firms – J.P. Morgan, Chase Manhattan, Chemical, Bank One,
First Chicago, and National Bank of Detroit gave a solid contribution to the finance innovation and
the growth of the United States and the rest of the world.
Clients and Consumer JPMorgan Chase & Co. is a financial holding company which provide
commercial and consumer banking services under the Chase brand. The commercial banking
activities across business credit, commercial term lending and more. The consumer activities include
credit cards, small businesses, auto finance, education finance, and merchant services. The company
provides financial services to corporations, governments, individuals, and institutional investors
under its J.P. Morgan brand. It also offers financial transaction processing, asset management and
private equity services.
Management
JPMorgan Chase & Co has been able to remain competitive since its inception in 1933 by faithfully
following the founder Mr. J.P. Morgan Junior legacy whose business slogan was: "I should state that
at all times, the idea of doing only first–class business, and that in a first class way, has been before
our minds" (Market Line, 2016, p. 53). Back in 2004 the management strategically decided that in
order to remain a

The Surveillance Of Cctv Cameras
Over the years, banks have housed several of their branches in large buildings, sharing their space
with other occupants. Although security is a key factor in consideration of the location of a bank,
smart individuals use this positioning to their advantage. Access is gained by cutting a hole in the
floor, and theft occurs. With the passing years, security in banks has been evident with the reliance
of CCTV cameras. This ensures monitoring of the users activities in banks by security officers who
take turns in watching the screens for any uneventful, unexpected happenings. The CCTV cameras
are placed strategically in every corner to ensure each detail of the activities taking place is
recorded. The ATMs are also monitored in anticipation ... Show more content on Helpwriting.net ...
This made the people hesitate to invest any significant amount of money at the time. The idea
slowly began to catch on after easing into E–commerce. Major and minor banks are trying to
enhance the security of their firms using different methods. The security system of some banks
requires highly trained, capable individuals who can protect progression of activities in their
allocated areas, be it inside the bank, at ATM portals and in monitoring CCTV cameras.
Use of laser beams that generate intense beams of coherent monochromatic light through simulated
emission of photons has been used as a security measure. They are used either as sensors to trigger
alarms or as penetrative destructive beams in highly confiscated areas, which allow limited or no
access at all. Online banking security measures are kept to plan by the banks allowing software
developers to create antivirus software and sell the software to them. Users are required to download
this antivirus for themselves without necessarily consulting the bank's security operators. Recent
trends have shown the use of biometric analysis in the form of hand writing recognition, hand
finger, and geometry (Taylor, 2013).
Unlike the current system, the working of this system will provide accurate data storage, since any
transaction is recorded on the device and can be easily traced. The system will also create more
client confidentiality since any unauthorized individual cannot access the data stored in the system.
This

Financial Crisis Of The United States
Financial Crisis of 2007–2008 originated in the United States spread to the financial systems of
many other countries, including CIS countries, by means of the domino effect. Bankruptcy of one of
the largest Americans Bank, Lehman Brothers Holdings PLC, in someway was a launcher of this
global crisis the scope of that can be compared with the Great Depression of the 30s of the last
century. No one could have even believed that a crisis in the local market of subprime mortgage
loans in the USA would have such enormous affect on the financial systems over the world and
crash banking sectors of many countries one by one.
In the era of intensive globalisation financial crisis of USA followed by crises in other countries as
well, starting from ... Show more content on Helpwriting.net ...
Literature Review The crisis that stressed lots of economies and financial systems originated in US
mortgage lending markets. First signals of possible problems came in early 2007, when the Federal
Home Loan Mortgage Corporation announced about its inability of purchasing high–risk mortgages,
after what New Century Financial Corporation – a leading mortgage lender to riskier customers –
filed for bankruptcy (John Marshall, 2009). In the research paper of 2009 he claims that source of
the crisis emanated from the rise of house pricing, called housing bubble. "US house prices rose
dramatically from 1998 until late 2005, more than doubling over this period, and far faster than
average wages. Further support for the existence of a bubble came from the ratio of house prices to
renting costs which rocketed upwards around 1999.." (John Marshall, 2009, p 10). Housing bubble
was also fully analyzed by Dean Baker in his research "The housing Bubble and the financial crisis"
in 2008. Dean noticed that, by the middle of 2007, house prices had peaked and began to head
downward. This was clearly stated in the following paragraph:
"By the end of 2007, real house prices had fallen by more than 15 percent from peak.House prices in
many of the most over–valued markets, primarily along the two coasts, had fallen by more than 20
percent. Furthermore, the rate of price decline was

Royal Bank of Canada In Thailand Case Study
Royal Bank of Canada In Thailand Case Study
Douglas Marks
The Royal Bank of Canada (RBC) moved back to Thailand on June 16,1997, which they offered
corporate and correspondent banking services from there office located on wireless road. On July 2,
the government reacted to the financial and property collapse of the economy by floating the baht
(domestic currency) for the first time in thirteen years. Then the bleeding of the collapse of the
market was finally sealed when the International Monetary Fund (IMF) intervened and started a
16.7 billion dollar bailout funding program to help Thailand recover from the financial crisis. This
was the largest bailout fund since the Mexican peso crisis in ... Show more content on
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As a result, the major Canadian banks provided services within their marketplace from insurance to
retail brokerage.
The Royal Bank of Canada was founded in 1869; Royal Bank was Canada's largest financial
institution with assets of Canadian$245 billion in September 1997. Royal bank was ranked first or
second among Canadian financial institutions in earnings, market capitalization, and in virtually
every financial service it delivered. The bank had 10 million personnel, businesses, government, and
financial institution clients that were serviced through one of the world's largest delivery networks.
This network included more than 1,600 branches and over 4,000 automated banking machines. In
Canada it was selected as number one among all companies regardless of industry in the categories
of "Leader in Investment Value," "Leader in Responsibility" (which measured equality and charity),
and "Leader in Financial Performance." Royal Bank operates to date in over 30 countries and has
over 100 delivery units. The bank was strongly represented in the major international financial
centers of the world, including New York, London, Frankfurt, Tokyo, Hong Kong, and Singapore.
Royal Bank was located through Latin America and Europe. Business clients were offered services
in corporate banking, trade financing, treasury services, and

Small and Medium Enterprise
INTODUCTION Small and medium enterprise(SME's) in India have a very important place in the
Indian economy. Their contribution in terms of production, export, export, employment generation
and all round growth of the country is well known. The role of SME sector in the nation building is
well recognized not only in India, but also across the globe. The industrial engines of Japan, china,
US, Germany and Taiwan are also driven by the SME sector. Finance/credit is the most critical
component in any business process. Any industrial sector cannot work to its full capacity without
adequate flow of funds. The SME sector is working with low capacity utilization, which, however,
has now improved from 33.34% to around 52% percent. Still these ... Show more content on
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Nevertheless, the spread of SMEs is a fact, which enhances their attraction from a national or
regional policy. SIGNIFICANCE OF SMEs SMEs are considered the engine of economic growth in
both developed and developing countries, as they: Provide low cost employment since the unit cost
of persons employed is lower for SMEs than for large–size units. Assist in regional and local
development since SMEs accelerate rural industrialization by linking it with the more organized
urban sector. Help achieve fair and equitable distribution of wealth by regional dispersion of
economic activities. Contribute significantly to export revenues because of the low–cost labour
intensive nature of its products. Have a positive effect on the trade balance since SMEs generally
use indigenous raw materials. Assist in fostering a self–help and entrepreneurial culture by bringing
together skills and capital through various lending and skill enhancement schemes. Impart the
resilience to withstand economic upheavals and maintain a reasonable growth rate since being
indigenous is the key to sustainability and self–sufficiency. IMPORTANCE OF SMEs IN VARIOUS
ECONOMIES OF WORLD Small and medium enterprise has always the engine of growth for every
country, in developing as well as in transition economies. Their role in

A study on customer perception towards E Banking facilities
INTRODUCTION
Consumer Perception
Definitions
Customer and Consumer –The term "customer" is typically used to refer to someone who regularly
purchases from a particular store or company .The term "consumer" more generally refers to anyone
engaging in any of the activities used in definition of consumer behavior.
Therefore, a customer is defined in terms of a specific firm while a Consumer is not the individual
buyer–The most commonly thought of consumer situation is that of an individual making a purchase
with little or no influence from others. However, in some cases a number of people can be jointly
involved in a purchase decision
Identifying and understanding the groups consumers belong to is a key strategy for ... Show more
content on Helpwriting.net ...
However, the rapid growth of the Internet has introduced a completely new level of security related
problems
(1) Technology and Security issues (2) Legal issues and (3) Regulatory and Supervisory issues
The problem here is that since theOne would think that the main purpose for a bank besides
managing one 's money would be giving good customer service. Excellence in customer service is
the most important tool for sustained business growth. Customer complaints are part of the business
life of any corporate entity. This is more so for banks because banks are service organizations. As a
service organization, customer service and customer satisfaction should be the prime concern of any
bank. Banks believe that by providing prompt and efficient service on to their customers, this is
essential not only to attract new customers, but also to retain existing ones because customer
dissatisfaction would spoil the bank 's name and image. To provide this kind of service more fast
and efficient, the major weapon of bank is e–banking.
There are several Research Design techniques that can be used to identify customer perceptions
about internet banking and also service problems such as debit card fraud and loan issues. A survey
was implemented to find out how well customer perception about e–banking leads to various
banker's function and the studies have found that the exploratory research was used in order to
identify all problems

Persuasive Essay About Food Bank
Food banks are a terrible solution to a terrible issue. Hunger is one of the biggest issues the human
race experiences. One in nine people in the world, or 795 million people, out of the 7.4 billion
people go hungry every day because they do not have enough to eat. Every 10 seconds, a child dies
from hunger–related diseases (The Hunger Project, 2017). The way lots of organizations try to help
these people in need are through food banks. A food bank is a non–profit, charitable organization
that distributes to those who have difficulty purchasing enough food to avoid hunger. Food banks
are inefficient in aspects of time, money, and effort because so much more can be done through
donations of money, not non–perishable foods and items. ... Show more content on Helpwriting.net
...
Another issue arises though, it needs to be transported from the warehouse to the appropriate drop–
off place, which is most likely in a high–density residential area, not an industrial area. The time it
takes for all this to happen is simply too much and non–efficient. We are in an era where time is
valuable. Everyone is so busy with their lives, be it for work, school, family, or hobbies, it is
unnecessary to spend all this time just to donate something that not even the buyer would eat. To
show an example, let's say a donator's name is David. David works a 9–5 job which pays $20 per
hour and has three kids, two of which have swimming practice after school. David picks up his kids
at 5:30, and goes home right in time for dinner. On his dinner table, he has high quality foods that
are packed with nutrients. David remembers there's a food drive raffle near his workplace that is
looking for donations for a chance to win a grand prize. David now has to go out of his way to go to
a grocery store to buy non–perishable foods. Instead of wasting his time going, he can go to the food
bank and simply donate money. If David was planning on spending $5 and 45 minutes for the whole
process, from purchasing the items to dropping them off, he actually spent $20 plus a few extra
dollars for gas. Instead of wasting 45 minutes of his time to get $5 worth of food, he could easily
have donated $25, which go a long way. This will be explained later, but

Online Banking And Its Impact On The United States
Introduction:
Since the 1980's, online banking has made the lives of everyday people more convenient. With the
new innovations and creations to computers, online banking has grown to become the most used
form of banking in the US (5). From the first ATM to mobile banking technology has helped shape
One of the first computerized innovations to online banking, the credit card, revolutionized how
cash was money was used in society.
1950 – 1960's:
During the 1950 a man named Frank X. McNamara, was sitting at dinner when he realized he had
left the house without cash. After having to call his wife to bring him some, he vowed to create
something to solve this problem. That same year McNamara and his friends started the first credit
company ... Show more content on Helpwriting.net ...
1970's – 1980's:
About 20 years later in 1981, a few New York City banks including, Citibank and Chase Manhattan,
introduced the first form of online banking to the US. The first service allowed customers to send
transfers and bills by connecting the TV set and telephone line (7). While this is different than what
we think of as traditional online banking, this was the cornerstone to what online banking has
become today.
1990 – 1995:
After a long absence of innovations to online banking, Stanford Credit Union was the first financial
institution to offer online banking to all of its customers in 1994(7). This was important for online
banking because it set a standard that helped get more financial institutions on board with online
banking. That same year, online banking was built into Microsoft's money personal finance sloppy
disc software. Over 100,000 began accessing online banking using this device (5).
1996 – 2000:
By the mid 1990's most of the major banks now offered online Bill Pay to all of its customers for a
small monthly fee (6). By this time, online banking has begun to grow rapidly, along with the
concerns for customer security. Like with many changing technologies, many customers of online

banking become skeptical of how well the technology could protect them. With growing concerns
from customers, banks began increasing their security with online accounts (7).
2001 – 2005:
In 2001, it was reported that eight US banks now have at least one

Essay On Sky Rocketing
Credit Card Delinquencies Are Sky Rocketing – And There's Just One Answer That's Sustainable
With the stock markets at record highs and unemployment at a comfortable, there is one problem
that is currently being overlooked. That issue is consumer debt and it should not be ignored, even
during the good times and it should be a great concern for most people.
The stubbornness of cumbersome personal debt following a recovery highlights problems that are
systemic. Even with healthy looking numbers, jobs are still rapidly going overseas. Student debt
increases as the cost of attending College keeps getting more costly. In certain instances, prosperity
might even ensure a debt crisis that's going downhill when, for instance, local communities ... Show
more content on Helpwriting.net ...
The two options are debt settlement services that are for–profit and non–profit credit counselors
such as the NFCC, which was started in 1951. The NFCC was the country's first and biggest such
organization that was committed to enhancing the financial well–being of people. We will compare
the two alternatives and look at where we as a country want to invest our energy.
The member agencies of the NFCC offer millions of consumers in–person financial education,
online or via the phone. A holistic approach is taken where a thorough financial review is taken and
they come up with a financial action plan that is tailored made for each client according to their
goals. The Certified Counselors at the NFCC take the full gamut into account, from counseling for
bankruptcy and credit card debt to first–time home buyers and student debt and ultimately an in–
depth financial education. Keep in mind that one in three of the NFCC members provides multiple
services that involve mentoring youth, chemical dependency programs, etc.
NFCC Board Chair and President Debbie Bianucci, who is also CEO of BAI (a 90–year–old
company that serves financial services organizations) said that from their extensive experience, the
most effective way to deal with the problem of debt is to help empower consumers with the
education and experience required to produce a solid action plan and to develop the discipline to

Analysis of the Impact of the Internet on Competition
514
International Journal of Management
Vol. 21 No. 4
December 2004
An Analysis of the Impact of the Internet on Competition in the Banking Industry, using Porter's
Five Forces Model
Irene Siaw The Open University of Hong Kong, Hong Kong AlecYu Cisco Systems (HK) Ltd, Hong
Kong The emergence of the Intemet has created both threats and opportunities for banking
executives. Those who are able to leverage competitive benefits from the Intemet are confronted
with significant business potential. The Internet has fundamentally changed traditional relationships
and services within the banking industry. It shifts the overall competitive landscape, the technical
and standards infrastructure, and the requirements of individuals and business ... Show more content
on Helpwriting.net ...
al 2000). Intemet banking refers to the use of the Intemet as a channel in the delivery of banking
products and services (Starita, 1999). Intemet banking and traditional PC banking differ with respect
to the application software resident on the user's computer and hence the requirement for ongoing
software upgrades and distributions. In most home banking ventures, the bank provides the
customer with an application software program (or PFM by customer) that operates on a customer's
designated PC. By contrast, with Intemet banking, potential customers already have the software
they need to do their banking services as application software resides on the bank's server in the
form of the home page. The Security First Network Bank (SFNB) in the United States inaugurated
the world's first transactional Web site on October 18, 1995. Since then, the number of Intemet
banks has increased significantly each year. In 1999, according to the Online Banking Report: The
Tme US Intemet Batiks (www.onlinebankingreport.com), the United States alone saw over 200 new
Web–based start–ups and/or spin–offs from existing conventional banks.
Impact on the Competitive Landscape in the Banking Industry
Many research studies cu–gue that Intemet banking will be the predominant trend in the future of
the banking industry (Birch & Young, 1997; Humphreys, 1998; Crede, 1998; Franco & Klein, 1999;
Brennand, 1999; Cisco, 1999). The FS Intemet Value Creation

Metairie Louisiana V. Guillot's Fraud Case
COMPLAINT On April 14, 2015, Brian F. Guillot, Esq., of Metairie Louisiana, submitted a
complaint to Office of the Bar Counsel regarding Ernest A. Solomon. Guillot asserts that Solomon
failed to comply with Guillot's request for accounting in reference to the estate of Elmore C.
Desvigne, Sr. Solomon has allegedly violated Mass.R.Prof.C 1.15(c) and (d). FACTS On April 15,
2015, Brian F. Guillot, Esq., of Metairie Louisiana, contacted Office of the Bar Counsel regarding
Solomon's failure to account for $17,000 that had been delivered to Solomon by Janet Desvigne,
before he had been confirmed as the executor of Elmore Desvigne's estate. Ms. Desvigne was
Elmore's daughter–in–law, and had been appointed as his power of attorney on July 6, 2012. ...
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Solomon knowingly received and spent the $17,000 "reimbursement" which came from Elmore's
estate funds as evidenced by the check memo which states"Elmore Desvigne Estate." It is unclear
why Solomon would front the money In April from his IOLTA, and then deposit the
"reimbursement" into his business account. On October 9, 2015, a subpoena was sent by Office of
the Bar Counsel to JP Morgan Chase to officially determine who the mortgagor is for Chase Home
Finance Loan number 1991796965. Additionally, Solomon has until October 23, 2015, to respond to
bar counsel's inquiry regarding his cash deposit of $16,860. Based on the evidence already obtained,
bar counsel believes there is sufficient evidence to file a Petition for Discipline. RESPONDENT'S
HISTORY WITH OFFICE OF BAR COUNSEL On July 25, 2014, Justice Cordy with the Supreme
Judicial Court entered an Order of Term Suspension for Solomon; the suspension is for a term of
fifteen months. Solomon currently has three pending cases, six disposed cases, and a total of fifteen
ACAP calls. Additionally, the respondent is scheduled for a hearing to begin on November 12, 2015
in relation to another

A Study On Stress Among The Banking Employees
A Study on Stress among the Banking Employees in Rising Concern Mr. L.Kannan Abstract Over
the last decade the nature and philosophy of work have undergone dramatic changes, and it is still
changing at whirlwind speed. Technological advancements have made significant contribution in
almost all sectors. In the world of hectic work schedules omnipresent deadlines and cut throat
competition there is less downtime in which they are really away from work this has led to stress
which has become a buzzword. Stress is a response, psychological or physiological to influence
arising out of change, disturbances or occurrence in the environment or in the life of a person. It
may be construed as a pressure strain or tension. The global meltdown and the subsequent turmoil in
the financial market have resulted in increased stress levels leading to a number of ailments. People
are now more prone to diseases like hypertension, lower immunity and gastrointestinal problems.
Over the last two decades several reforms have taken place within the banking sector. The
organizational models, practices, procedures and systems have been redefined completely in the
Indian banking industry in the post globalization era today the focus of the industry is on HR issues
and challenges out of it the most challenging issues is stress and its management sources of stress in
banking sector may be due to role conflict, role ambiguity, lack of support from superiors, lack of
job responsibility and many more.

Information Technology And The Banking Industry
Since the inception of Information Technology (IT), the business world has been transformed. In
many aspects of business, IT contributes remarkably in increasing effective usage of time, efforts
and financial costs. This article is going to outline some examples of IT efforts that run, grow, or
transform the businesses it serves, thorough increasingly important layers of business operation and
management. Those layers are finance, communication and systems. 1. Finance
Some decades ago, business financial activities were far different from they are now. Transactions
were made using cash or bank notes in person or sent via mails. It could take about a week for a
transaction to be completed due to the distance. Orders given to brokers on ... Show more content on
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Currently, 10,500 financial institutions and corporations in 215 countries are connected to SWIFT.
Companies now are greatly benefited from SWIFT services for foreign trade to receive timely
payment.
Online banking is an important example of efforts that grow banking industry. In US, online banking
was introduced widely when four of the city 's major banks (Citibank, Chase Manhattan, Chemical
and Manufacturers Hanover) started to offer home banking services, using the videotex system.
"When the clicks–and–bricks euphoria hit in the late 1990s, many banks began to view Web–based
banking as a strategic imperative. The attraction of banks to online banking are fairly obvious:
diminished transaction costs, easier integration of services, interactive marketing capabilities, and
other benefits that boost customer lists and profit margins. Additionally, Web banking services allow
institutions to bundle more services into single packages, thereby luring customers and minimizing
overhead."
For stock market and stock brokers, the introduction of National Association of Securities Dealers
Automated Quotations (NASDAQ) in 1971, the world's first electronic stock market, made a huge
impact. The NASDAQ helped lower the spread (the difference between the bid price and the ask
price of the stock) and reduce significantly the delay between the initiation and execution of stock
orders. Moreover, NASDAQ has provided a basis for the development of online brokers, which
leads to a

Jamuna Bank Financial Report Analysis
Corporate Profile Jamuna Bank Limited (JBL) is a Banking Company registered under the
Companies Act, 1994 with its Head Office at Chini Shilpa Bhaban, 3, Dilkusha C/A, Dhaka–1000.
The Bank started its operation from 3rd June 2001. The Bank undertakes all types of banking
transactions to support the development of trade and commerce of the country. JBL's services are
also available for the entrepreneurs to set up new ventures and BMRE of industrial units. Jamuna
Bank Ltd., the only Bengali named new generation private commercial bank was established by a
group of winning local entrepreneurs conceiving an idea of creating a model banking institution
with different outlook to offer the valued customers, a comprehensive range of ... Show more
| | To ensure optimum utilization of all available resitsces. | | To pursue an effective system of
management by ensuring compliance to ethical norms, transparency and accountability at all levels. |
Products & Services
Corporate Banking The motto of JBL's Corporate Banking services is to provide a personalized
solution to its customers. The Bank distinguishes and identifies corporate customers' need and
designs tailored solutions accordingly. Jamuna Bank Ltd. offers a complete range of advisory,
financing and operational services to its corporate client groups combining trade, treasury,
investment and transactional banking activities in one package. Whether it is project finance, term
loan, import or export deal, a working capital requirement or a forward cover for a foreign currency
transaction, its Corporate Banking Managers will offer customers the accurate solution. Its corporate
Banking specialists will render high class service for speedy approvals and efficient processing to
satisfy customer needs. Corporate Banking business envelops a broad range of businesses and
industries. Customers can leverage on its know–how in the following sectors mainly: * Agro
processing industry * Industry (Import Substitute / Export oriented) – Textile Spinning, Dyeing /

China and India on the Road to Success
China and India on the Road to success
There are tons of economically successful counties in the world. However, these days two really
stick out in the economic crisis. We are in currently; those are China and India. China and India are
almost surpassing the United States faster than we can even try to catch up. They are moving at such
an economically booming rate. China and India are moving and surpassing the United States with
trade and by getting interest from loans to other countries. China and India are huge economic
threats to the United States economy. In this research paper, I will be explaining why China and
India are huge economic threats to the United States, why china and India are growing at
substantially fast rates, ... Show more content on Helpwriting.net ...
India's main importer is the United States.
China and India are also very similar in taxes. They both have similar systems for paying taxes.
China pays the higher tax depending on how much money you make. There tax system works the
same way the United States taxes people.
The more money you make the more tax money you pay monthly. In India, you do not pay as much
taxes as in China. This is also similar to China's system because they pay more taxes on income that
makes more money. As you can see by the chart the more income you make the more taxes you pay.
But in India what they do have is tax cuts for interest and royalty.
China and India have many foreign relations with other countries. They use a lot of foreign
communication, especially in trading. They trade often with the United States. China communicates
with foreign countries when diplomats are entering or leaving the country and when they are trading
to other countries. India communicates with foreign countries when diplomats and when they trade
with the United States. China and India have made plenty of investments. China and India have not
only invested in other countries ' bonds and stocks but they have had many foreign direct
investments. China

Research on Fast Food Restaurants
Research topics in business and Management A–Marketing 1. A comparative study on application of
advertising through cell phone framework among various types of goods and services 2. Market
entry strategy in an emerging market using Country of Origin information 3. Impact of brand
awareness on consumer/brand loyalty: A study of packages milk brands 4. Characteristics of
customer loyalty: impact of brand image or product characteristics/attributes – A study of packaged
milk brands 5. Effect of self–placement of habitual buying products on their sales 6. Determinants of
consumer buying behavior through mega stores in (country name) 7. Consumer response towards
country of origin (experiment) comparison between ... Show more content on Helpwriting.net ...
Customers evaluation of perceived value of service rendered by physician consultant 51. Studying
consumer reactions to the Von Restorff effect 52. Effect of personal and personality characteristics
on sales performance 53. Effectiveness of utility bill as promotion medium (a comparative study
between company and consumer) 54. The revival of radio advertising in (country name): A
comparative study of advertiser and consumer 55. The effect of corporate characteristic on the
choice of CSR 56. Relationship between organization characteristic and organization response to
Gray market 57. The effect of consumer travel characteristic and billboard characteristics on
consumer response to billboard advertising 58. A study of waste management and recycling in
(country name) 59. The effects of publicity source characteristics on consumer belief 60. The effects
of search engine optimization on marketing performance of the companies 61. Impact of parent
brand image on the brand extension of the firm 62. Impact of nutritional labeling on the consumer
buying behavior 63. Impact of celebrity endorsement and event sponsorship on pre–purchase
evaluation 64. Impact of communication on service brand evaluation 65. Factor affecting
compulsive buying behavior in credit card consumer 66. The effects of consumer environmental
consciousness and environmental friendliness on brand preference 67.

Jp Morgan
Brian Tabb, Duc Nguyen, Haojun Chen, Jingyi Chen, Dan Ning
12/12/2014
Brian Tabb, Duc Nguyen, Haojun Chen, Jingyi Chen, Dan Ning
12/12/2014
FI730 Group Report
Financial Institution Analysis
FI730 Group Report
Financial Institution Analysis
1. Introduction
1.1 JP Morgan & Chase, Co.
JP Morgan & Chase, Co., incorporated under Delaware law in 1968, is now one of the oldest
and most influential financial institutions in the world. As of December 31, 2013, the firm's net
assets and stockholders' equity amounted $2.4 trillion and $211.2 billion, respectively. Currently, the
firm is the leading banking institution in various business segments that include investment banking,
commercial banking, asset ... Show more content on Helpwriting.net ...
Additionally, AM offers retirement products, brokerage and investing services that include trusts and
estates, loans, and mortgages to its high–net–worth customers.
The Corporate/ Private Equity segment mainly serves business activities within the corporation. Its
primary purpose is to manage, measure, monitor, and report the Firm's liquidity, funding, and
structural interest rate and exposure to foreign exchange risks. 1.2 The First National Bank of
Central Texas
The First National Bank of Central Texas (hereinafter referred as FNBCT), founded in 1901 in Mart,
Texas, was originally the first national bank to serve the agricultural community and consumers and
small business owners in Mart. Quick growth followed after the bank changed its leadership and
ownership in 1995. Under the leadership of a seasoned management team and CEO, Monte Hulse,
the bank expanded rapidly, from a single branch to multiple branches in the area. FNBCT acquired
multiple branch locations along its rapid expansion periods, and by the end of 2010 and early 2011,
FNBCT amounted a net asset size of $700 million, with only five banking centers. The five
branches are located in Waco, Woodway–Hewitt, China Spring, Mart, and Hillsboro, Texas. FNBCT
offers traditional banking services such as Personal Banking, Commercial Banking, Farm &
Ranch Lending, Loan Products, and Retirement Planning.
Personal Banking offers consumers the opportunities to

Chemical Bank Case
CHEMICAL BANK – Allocation of Profits EXECUTIVE SUMMARY The overall profitability of
Chemical Bank has been negatively affected by a decrease in profit contribution from Due Bills.
There is an external threat of reduced interest rates and internal threats in the form of misalignment
between involved divisions. The following suggestions aim to counteract this development 1.
Increasing sales volumes of Due Bills a. Allocate 100% of profits from customer fees to Metro b.
Aligning Metro's branch managers' Point System with increasing sales i. Incorporate Due Bills in
the Point System 1. when all fee profits from Due Bills are allocated to Metro, they fall under
"Direct Fees" ii. Increase the point value for "Direct Fees" ... Show more content on Helpwriting.net
...
The latter has further been exacerbated by a lack of incentives for Metro branches, the main sales
and marketing agents for the product, to sell Due Bills. KEY PROBLEMS 1. Decreased sales
volumes of Due Bills has a detrimental effect on the bank's overall profitability. Metro, the division
responsible for up to 85% of sales of Due Bills not only lack incentives to sell Due Bills; they have
incentives not to sell Due Bills due to: The existing Point System wherein Due Bills are not
rewarded. They are incentivized to sell Super–Saver Accounts which has a lower contribution
margin than Due Bills, and also cannibalizes on Due Bills. Selling Due Bills result in a negative
bottom line for Metro. 2. Administrative tasks are performed at a third division, Trust and
Investment Division [T&I] that is not directly accountable for costs as they are

Stefan Thomke
9–603–022
REV: OCTOBER 28, 2002
STEFAN THOMKE
Bank of America (A)
The banking industry is ripe for innovation. We need to grow through value creation and excellent
service that is appreciated by customers as opposed to price alone. – Milton Jones, president,
Georgia Banking Group "I wonder if we're being 'overrewarded'!" exclaimed Warren Butler to Amy
Brady, the executive responsible for Bank of America's Innovation & Development (I&D) Team in
Atlanta, Georgia. As an executive in the consumer bank's quality and productivity group, Butler led
innovation and process change in Brady's group, which was responsible for testing new product and
service concepts for the th bank's branches. In the company's elegant 55 floor conference room ...
Show more content on Helpwriting.net ...
In the United States, the bank served 27 million households and two million businesses and
processed more checks per day than the Federal Reserve System. Globally, it boasted over 140,000
employees across 190 nations, over $8 billion in annual revenues, $360 billion in deposits, and some
$600 billion in assets (see Exhibit 3 for key financial data). Yet, increasing competition ensured that
Bank of America could not rest on its laurels. Like many of its successful peers, its growth had been
driven by cost reduction and consolidation. From 1985 until 2000, the number of U.S. banks had
dwindled from around 14,000 to about 7,000. These still large numbers–especially when compared
with there being only six major banks in Canada– reflected the highly competitive nature of the U.S.
banking industry as well as its regional focus. Driving consolidation had been a realization that
while service was local, products were national. Despite this realization, however, banks continued
viewing financial services as commodities, and this bottom–line orientation did not make for an
industry rife with innovation. In the estimation of Butler, a senior vice president and industry
veteran, "People's expectations for banks are very low; in fact, they're used to being

Bae Hbr
Harvard Business School 9–396–311 Rev. November 6, 1996 BAE Automated Systems (A): Denver
International Airport Baggage–Handling System No airport anywhere in the world is as
technologically advanced as the Denver International Airport.1 It's dramatic. If your bag [got] on the
track, your bag [was] in pieces.2 In November 1989 ground was broken to build the Denver
International Airport (DIA). Located 25 miles from downtown Denver, Colorado, it was the first
major airport to be built in the United States since the opening of the Dallas–Fort Worth Airport in
1974. In 1992, two years into construction, the project's top managers recommended inclusion of an
airport–wide integrated baggage–handling system that could dramatically improve ... Show more
Its operational capacity was severely limited by runway layout; Stapleton had two parallel north–
south runways and two additional parallel east–west runways that accommodated only commuter air
carriers. Denver's economy grew and expanded greatly in the early 1980s, consequent to booms in
the oil, real estate, and tourism industries. An aging and saturated Stapleton Airport was increasingly
seen as a liability that limited the attractiveness of the region to the many businesses that were
flocking to it. Delays had become chronic. Neither the north–south nor east–west parallel runways
had sufficient lateral separation to accommodate simultaneous parallel arrival streams during poor
weather conditions when instrument flight rules were in effect. This lack of runway separation and
the layout of Stapleton's taxiways tended to cause delays during high–traffic periods, even when
weather conditions were good. Denver's geographic location and the growing size of its population
and commerce made it an attractive location for airline hubbing operations. At one point, Stapleton
had housed four airline hubs, more than any other airport in the United States. In poor weather and
during periods of hightraffic volume, however, its limitations disrupted connection schedules that
were important to maintaining these operations. A local storm could easily congest air traffic across
the entire United States.3 3According to James Barnes [1993], "By 1994, Stapleton was one of the
top five

Performance of Development Financial Institutions in India
PERFORMANCE OF DEVELOPMENT FINANCIAL INSTITUTIONS IN INDIA
EVOLUTION:
After the end of World War–II there was great need for speedy industrial expansion in the whole
world. Both winners and losers had to resurrect and to rebuild their economies from the ruins of war.
Development Financial Institurions (DFI) were set up in almost all the countries of the world and
the models were suited to their economic, social and cultural values.
Similarly in India there was scarcity of finance which was a big hurdle in way of industrial
development. The means of providing finance for large scale industries were not adequate.
Moreover new enterprises, projects in backward areas and the projects which by their very nature
involve huge capital and the ... Show more content on Helpwriting.net ...
|
|IRBI |1985 |IRBI Act 1984 |For assisting for rehabilitation of sick and closed industrial units. |
| | | |Financial assistance to healthy units |
|SCICI |December 1986 |Public Ltd Co |For assisting shipping, fishing and related industries in the
form of rupee |
| | | |and foreign currency loans etc |
|SIDBI |April 1990 |SIDBI Act 1989 |To promote and finance small industry and to coordinate the
functioning of |
| | | |institutions engaged in similar activities |
Source : Development Financial Institutions in India by C.H.Bhagwan Rao
ROLE

Demand For New Government Maiden Budget And Improve...
Expectations to the New Government A to Z
*Dr.A.Jayakumar
**K.Sumathi
Abstract
This paper discus on expectation for new government maiden budget and improve governance and
fiscal consolidation. This study examine that the current status of the economic development in
India. The sector plays a vital role in economic development of the country. It attempts to outline the
expectation to the sectors. This paper focus on present budget position and company's impact are
analyzed. Authors suggest that establishment of the sector in India.
*Professor of Commerce, Periyar University, Salem –11
**Ph.D Research Scholar, Department of Commerce,Periyar University, Salem–11,email:
sumathia148@gmail.com
Expectations to the New ... Show more content on Helpwriting.net ...
The new Expectations are high and the government will present an adjustment to the former
government 's budget implement its own strategy.
If the government announces any definite measures which would either lead to broadening of the tax
base or increase in tax compliance, a modest increase in revenue cannot be rule out. However,
development in tax buoyancy could only result from bringing about structural changes in the tax
structure such as implementation of GST and DTC. We also expect the government to take a strong
stance on some of the impending tax–related disputes relating to retrospective changes to tax laws,
transfer pricing laws and General Anti–Avoidance Rules (GAAR). We would also expect the
government to give a clear outline of its intentions on disinvestment which would also help in
assessing the resources available for its expenditure.
At the rate of 15% investment allowances to the manufacturing companies. New plant investment
excess rate of Rs.0.25billion in any year and machinery upto 2016–17 is expected to provide
manufacturing companies.
Table No: 1 Market expectations
Fical Defict Target 4.1% GDP February 2014 Retained Budget 2014–15
Net Revenue Growth 20% 2014–15 Provisional Data for 2013–201

Mild Improvement in Economic Growth 5.0–5.5% 2014–15from the Sub 5% levels in 2012 – 14
The new government

Marketing Management Kotker
Internet Banking in Terms of Profitability: The Case of Northern Cyprus Banks Jude Chimezie
Nwobodo Submitted to the Institute of Graduate Studies and Research In Partial Fulfilment of the
Requirements for the Degree of Master of Science in Banking and Finance Eastern Mediterranean
University June 2011 Gazimağusa, North Cyprus Approval of the Institute of Graduate Studies
and Research Prof. Dr. Elvan Yılmaz Director I certify that this thesis satisfies the requirements as a
thesis for the degree of Master of Science in Banking and Finance. Assoc. Prof. Dr. Salih
Katircioglu Chair, Department of Banking and Finance We certify that we have read this thesis and
that in our opinion it is fully adequate in scope and ... Show more content on Helpwriting.net ...
Dr. Glen for his support; and more thanks to Assoc. Prof. Dr. Majid Hashemipour, the Vice Rector
for International Affairs for his Divine Assistance all through my year in Cyprus, May the good
Lord bless you sir. Finally I owe an extreme thanks to my late Father, Chief Mmeziamaka
Nwobodo, Ogbuefi (Onyemalu–ife–ga–eseokwu), My dearest Mum, Lolo Eriko Nwanyi and
Brothers, Prince Valentine Nwanwelugo and Prince Churchill Omekannaya who encouraged me to
travel all the way from Nigeria to Turkish Republic of Northern Cyprus and supported me earnestly
all throughout my studies. I would love to dedicate this study to them as my sincere love and an
indication of their significance in this study as well as in my life. v I dedicate this work to my
Heavenly Father, Our Lord Jesus Christ, The Prince of peace and The Lord of lords, for He made a
way where there seems to be no way for me. vi TABLE OF CONTENTS ABSTRACT
................................................................................... iii OZ
............................................................................................... iv ACKNOWLEDGEMENTS
...................................................................vi LIST OF TABLE
................................................................................x LIST OF FIGURES
.............................................................................xi 1 AN INTRODUCTION TO INTERNET
BANKING....................................1 1.1 Background of the Study
..............................................................1 1.2 Definition of internet banking
.........................................................2 1.3 The Aim of the Study
.................................................................5 1.4 The Scope of the Study
................................................................5 2 LITERATURE REVIEW
....................................................................7 3 INTERNET

History Of Capital One Financial Corporation
I also chose Capital One Financial Corporation. I chose this because i use this bank myself and
wanted to learn more about it as it seemed to be very successful and a possible good investment.
Capital One's (COF) history is shorter than different banks. It was founded in 1994. This was when
Signet Financial Corp. branched its credit card business into a different section named Capital One.
The new corporation was led by Richard Fairbank. Capital One was a monoline credit card
organization in the mid 1990s. Capital One constructed a solid credit card business. This procedure
paid off but if the credit card business were to decline it would mean disaster for them. Capital One
expanded into retail banking in the late 1990s and mid 2000s. It ... Show more content on
Helpwriting.net ...
I chose this mainly because similar to Abbott laboratories they have a very long history, they were
founded in 1923. It was founded by Merrit J. Osborn. Early on they had some problems but because
of an infusion by investors they managed to produce their first successful product Soilax. By 1928
they entered the equipment business for dispensing their Soilax into dishwashing machines. In 1933
they nearly failed again but because of employees taking a pay cut and giving up a month's salary
they were saved. But then they were confronted with a new problem when Calgon Corporation
made a better dishwashing detergent called Calgonite in 1934. But they convinced the Calgon
corporation to allow them to be the sole distributer of Calgonite and then when Calgon stopped
producing it they ripped them off and made super soilax. They were sued but Calgon lost so
everything was fine. In 1948 they introduce their first dishwasher rinse additive. In 1957 the
company goes public. In 1961 they purchase Klenzade Products, Inc. In 1964 they purchase Magnus
Chemical Company Inc. In 1978 Fred T. Lanners, Jr., becomes the first non–Osborn to head the
company. In 1979 they buy Apollo Technologies, Inc. In 1983 Apollo is shut down. In 1987
Company sells its consumer products division and purchases lawncare servicer ChemLawn for $376
million. In 1992 ChemLawn is sold to Service Master L.P. for $103 million. In 1994 Kay Chemical
Company, maker of cleaning and sanitizing products for the fast–food industry, is bought. In 1997
they buy Australia–based Gibson Chemical Industries Limited for $130 million; they enter the
commercial car wash cleaning products sector. In 1998 GCS Service, Inc., provider of repair
services for commercial kitchen equipment, is

The JP Morgan Chase
The substance of the occupation of the strategist is to adapt to rivalry. The field in which rivalry
happens is the business in which an organization and its opponents strive for business. Every
industry has an unmistakable structure that shapes the way of focused collaboration that unfurls
there. Understanding the fundamental structure of an organization's industry, now and later on, is a
central regimen teach in system arrangement. On the surface, every industry is different. Consider
the worldwide vehicle industry, the overall market for beautiful artistry, the blasting private value
industry, and the intensely controlled health–care conveyance industry in Europe. At one level, these
industries appear to have little in common. Businesses ... Show more content on Helpwriting.net ...
Clients include corporations, financial services institutions, middle market companies, small
business, and governments and municipalities. And under the Chase brand, the Commercial Bank
have 25,000 clients and provides, through itself or by partnering with other JP Morgan Chase units,
lending, treasury services, investment banking and investment management to corporations,
municipalities, financial institutions and nonprofit entities with annual revenues which typically
ranged from $10 million to $2 billion. Understanding JPMorgan competitive forces, and their
causes, gives a strategist a way to size up its industry. An investigation of industry structure
uncovers the underlying foundations of an industry's profitability anytime while giving an outline to
forecasting and affecting changes in industry rivalry (and benefit) after some time. Protecting
against the aggressive strengths or forming them in an organization's support turns into an essential
part of

Web or Mobile Application Paper
Web or Mobile Application Paper JP Morgan Chase Mobile Bank application is one of the most
important applications I have in my iPhone. Chase has created a new way of banking with their
application. It is user friendly, it offers amazing capabilities, it is a time and money saver, and it has
room for improvement. Chase has brought banking into our hands. The purpose of the application is
to make banking for their customers stress–free. With this application customers can deposit checks
from their iPhone, iPad, iPod touch, Android, Kindle Fire, and Windows Phone. All they do is input
the amount of the check, take a front and back picture of the check and click submit. Customers can
also view their banking and credit card balances and ... Show more content on Helpwriting.net ...
Being able to have access to my account on the palm of my hand is amazing. Not having to set a
foot on the bank has saved me time, gas and money. Time is very important to me and the way I
spend it is written down in my planner. I do not have the time or the money to drive and wait in line.
In the time it would take me to drive to the branch and back home, I could watch a movie with my
family or do some homework. This application has really made my life a little easier In a likely
future that I want to see added to this application would have to be like a check balance book. This
feature would help me see where my money goes. Just by taping an icon I can see how much did I
spend on Tuesday, how much money do I have left in my account, when do I get paid, am I getting
closed to overdraft. I know this is my responsibility, but it would be nice to have my own personal
accountant. Another possible addition could be being able to send and receive e–mails to and from
Chase. I think these two features can help Chase improve and be ahead of other banks. 'JPMorgan
Chase has yet again won a ranking of mobile banking apps. In this one, Keynote's semiannual
mobile banking scorecard, Chase came in first for the third time in a row', '...its analysts score the
apps according to 120 criteria in four categories –– functionality, ease of use, privacy and security,
and quality and availability' (Penny Crosman, 2013). I

Mobile Banking Essay
MOBILE BANKING
For nearly 30 years, financial institutions have been on consistently trying to satisfy their customers'
need for more convenience. The automated teller machines (ATM) were the first to change the
scenario with technology bringing in better convenience, which was introduced by Chemical Bank
in New York in 1969. It was a little more than a cash dispensing machine in the beginning but the
ATM evolved over time to become a true bank–away–from–bank, providing a full range of financial
transactions.
In the mid–1990s came Internet banking which enabled consumers to access their financial accounts
using a home computer with an Internet connection. Despite its promise of ultimate convenience,
online banking saw slow and tentative growth as banks worked out technology issues and built
consumer trust. Today, Internet banking has reached a critical mass, with about 35 percent of U.S.
households conducting bank transactions online.
However, banking at home on a computer had some serious limitations. In U.S. context, only 62
percent of American households have a computer which was revealed by a 2003 study conducted by
the U.S. Census Bureau and only 28 percent of Americans have broadband Internet access, which is
essential for efficient, convenient service. The biggest issue, however, is mobility which is
eliminated by the mobile phones. They can be carried anywhere and are available with an enormous
number of people. Worldwid¬e there are more than 3.25 billion mobile

The 2008 Financial Crisis
On September 15, 2008, Wall Street entered the largest financial crisis since the Great Depression.
On a day that could have been called Black Monday, the Dow Jones Industrial average plummeted
almost 500 points. Historically prominent investment giant Lehman Brothers filled for bankruptcy,
while Bank of America bought out former powerhouse Merrill Lynch (Maloney and Lindeman
2008). The crisis enveloped the economy of the United States, as effects are still felt today. Experts
still disagree about what exactly caused the greatest financial disaster since the Great Depression,
but many point to the repeal of the Glass–Steagall Act of 1933 as a gateway to the rise of extreme
laissez–faire policies that allowed Wall Street to take on incredible risk at the expense of taxpayers.
In the wake of the crisis, politicians look for policies that reign in the power of Wall Street, but the
fundamental relationship between economic and political power has made such regulation
ineffective. The Glass–Steagall Act of 1933 was a direct response to the Great Depression of the
1930s. The years before the Depression were marked by robust financial growth, led by an
expansion of credit through the policies of the Federal Reserve and new financial innovation, such
as investment trusts (Neal and White 2012). Though these trusts were similar to a savings bank, they
differed in that trusts were not regulated in which securities they could invest in and had had little
government supervision. The

Business in Singapore
Doing Business in Singapore
DOING BUSINESS IN SINGAPORE
1
CONTENTS
3 4 11 FOREWORD INTRODUCTION – Getting to know Singapore OVERVIEW OF LEGAL
ENVIRONMENT – Legal Framework – Handling Civil Disputes – Employment – Immigration –
Competition Act – Singapore's Free Trade Agreement (FTAs) STARTING A BUSINESS BANKING
RELATIONSHIP IN SINGAPORE – Introduction to the Financial Landscape in Singapore –
Banking in Singapore – Business Credit Facilities – Business Protection TYPES OF BUSINESS
ORGANISATIONS – Sole Proprietorships and General Partnerships – Limited Liability
Partnerships – Limited Partnerships – Companies – Joint Ventures – Foreign Companies –
Representative Offices – Incorporating a Company – Annual Requirements for ... Show more
Geography
Singapore is an island that lies just off the southern tip of the Malay Peninsula between the South
China Sea and the Indian Ocean. Its strategic location on major sea lanes has provided the country
with an economic importance in Southeast Asia. Singapore is often considered as a base for global
enterprises looking to expand into Asia and Asian enterprises looking for global connectivity.
Located at the heart of Asia, Singapore is sitting at the centre of business opportunities. Having the
four key attributes – Trust, Knowledge, Connected and Life, Singapore is being positioned as an
ideal city to Work, Live and Play. Singapore was ranked first in Mercer's Quality of Living Survey
2009.
ii. Working in Singapore
Singapore has a capitalised mixed economy. Having strong international trade links, Singapore
possesses one of the most open economies for international trade and investment. Singapore offers
foreign investors a pro–business environment, excellent infrastructure, highly–skilled and
cosmopolitan labour force, and a robust legal/judicial system. These competitive factors have set
Singapore apart from other locations, winning several accolades including: § The world's easiest
place to do business (Doing Business 2011 Report, World Bank); § Best Business Environment in
Asia Pacific and world–wide (Country Forecasts, December 2009, Economist Intelligence Unit); §
World leader in foreign trade and investment (The

Financial Analysis For A Publicly Traded Company
Table of Contents Introduction 1 JP Morgan and Chase 1 Business Background 1 Competitors 2
Current Affairs 3 Financial analysis 3 Profitability 3 Net Interest Margin 3 Price–To–Sales Ratios 4
The price–to–earnings ratio 4 Price Earnings Growth (PEG) Ratio 4 Liquidity 5 Leverage Ratio 5
Debt/Equity ratio 5 Return on Equity 6 Operating ratio 7 Return on Average Assets (ROAA) 7 Stock
Analysis 7 Dividend yield 8 Earing per share 8 Conclusion and Recommendation 9 Introduction The
aim of this report is to recommend whether or not a publicly traded company has been is worth
investing in. The company chosen in this case is JPMorgan & Chase which is a large financial
institution. This report is going to use a financial rational formed by the analysis of various financial
metrics. Financial statements for banks have uniquely different analytical problem than statements
for manufacturing, service and most companies in general. Therefore this analysis of JPMorgan and
Chase 's financial statements requires a different approach in order to recognize the banks worth as
an investment. Banks take deposits from savers and pay interest on these accounts. They receive
interest on loans when they pass these funds on to borrowers. The spread between the rate they pay
for funds and the rate they receive from borrowers is where their profits are derived from. This
practice of combining deposits from many sources which can be lent to many borrowers forms a
interchange of funds

Finance Management
Examination Paper of Banking & Financial Services Management IIBM Institute of Business
Management Examination Paper Principles & Practices of Banking Section A: Objective Type &
Short Questions (30 Marks)    This section consists of Multiple Choice & Short Note type
questions. Answer all the questions. Part One carries 1 mark each & Part Two carries 4 marks each.
MM.100
Part One: Multiple Choices: 1. Frequency of First Tranche Returns is: a. Weekly b. Monthly c.
Monthly/quarterly d. Monthly/quarterly/half–yearly 2. An order for winding up a banking company
can be issued by___________ a. The High Court b. The RBI c. The Central Government d. The
Supreme court 3. Who shall be natural guardian in case of married minor girl? a. Father ... Show
more content on Helpwriting.net ...
According to Mr. D. Ian Guild, Senior Advisor, Forfeiting & Syndications Group, Standard Bank,
the cell was being set up after a series of meetings with the bank, and is essentially aimed at
spreading the message of Forfeiting as an effective trade financing mechanism to increase exports.
Suggesting that forfeiting was the ideal springboard for effecting a quantum jump in exports in the
medium–term, Mr. Guild said he was confident of aggregating forfeiting business of $100 millions
in 1998 and $250 millions in 1999 in the country. Since its introduction in 1992, Exim Bank had
facilitated 69 forfeiting transactions valued at around $75 millions, with credit periods ranging
between 90 days and seven years, and covering the export of goods ranging from textiles to plant
and machinery. The RBI has now permitted all commercial banks to act as facilitators for forfeiting
transactions. Mr. Guild pointed out that forfeiting has not really taken off in India because exporters
and commercial banks lacked the knowledge of the mechanics of the scheme. In India, the real
challenge would be to motivate small and medium exporters to use the forfeiting route for exports to
countries which may not be able to buy on cash terms. Mr. S. Bhattacharya, deputy general manager,
Exim Bank, Calcutta, said: "Payment defaults by overseas

The Chemical Bank Case
Case Study: Chemical Bank * Sunil Rabertson Chikkala
PGXPM11
1) Describe the due bill controversy and how do you resolve it?
Below Four divisions of Chemical Bank involved in Due bill controversy: * Treasury Group *
Metropolitan Division * Trust and Investment Division * Finance Division
Treasury Group was responsible for investing Due Bill funds in greater interest generating markets
and for trading in secondary market. Metro Division sells Due bills to customer; Trust &
Investment division involved in setting up Due bills accounts and in providing Data processing
services. Finance division was responsible for Cost and profit allocation between divisions.
There were two reasons led to conflict between ... Show more content on Helpwriting.net ...
For Treasury division, Due Bills was huge profit generating product, managers/traders in that
division were keen on increasing Due Bill sales volume and there by profits. Whereas for Metro
division it was yet another product under many business/individual deposits they are dealing with.
Considering costs associated and amount of work involved with Due Bill, it was not critical to meet
their goals.
To resolve this problem, Firstly I will analyze gaps in system in terms of cost allocation, revenue
sharing , transfer price and create a strategy to address gaps, motivate teams across divisions to work
towards company objectives.
2) What is the transfer price from metro branches to the treasury and vice–versa?
Transfer pricing necessarily results from the exchanges of goods and services among the
decentralized units of company. a) Transfer prices are the monetary values assigned to these
exchanges are transfers. b) Fundamentally, all cost allocation is a form of transfer pricing. *
Minimum Transfer price = Outlay cost + opportunity cost to the company as a whole
As per the exhibit 4:
Assuming opportunity cost is zero as exchange of services was between the divisions of same
company. a) As per exhibit –4, there was no cost allocation between Treasury and Metro divisions,
hence transfer price will be:

Treasury to Metro was $0
Metro to treasury was $0 b) Considering

Interning At Jp Morgan Chase For The Past 2 Months
Interning at JP Morgan Chase for the past 2 months has been a wonderful experience. The company
strives on its customer service as well as its convenience. With an unbreakable mission to be the best
financial services company in the world, and a vision to provide unparalleled service to their clients,
JP Morgan Chase has effortlessly become one of the most successful banks in the world. As a Teller
within the company my job is to take responsibility for greeting all customers, handling transactions,
explaining services, and answering any and all questions about our bank policies. Although I am
new to the branch I already feel as if I am already making an impact. Through teamwork and
personal growth I believe I will soon be able to live up to Chase employee standards. It is a known
fact that a customer's experience begins and often time ends at the teller line. As once said by my
branch manager Lesa Barrow, "the customers experience is determined by a smile from the moment
they walk into the door." Meaning if all employees were to just greet each and every customer with
a smile then their experience from the moment they enter the branch is already a pleasant one. To
ensure this Chase has developed 5 strategies to improve every customer's experience. These
strategies are to always be courteous and professional, do the right thing, build lasting relationships,
own customers issues start–to–finish, and to exceed expectations. By applying these strategies daily
Chase

Burchell And Listokin: A Case Study
For too long architecture has been synonymous with creating and building things – new things, and
it is time for that narrow scope to be redefined to include the redesigning of already existing
structures. In densely populated cities such as New York because of issues such as cost and space
availability, the average architect might end up working renovation projects rather than full scale
new built projects and this is where adaptive reuse comes into play. Adaptive reuse as defined by
Burchell and Listokin is "a process of revitalization that utilize a sequence of simultaneous methods
of planning, making inventory, acquiring, managing and reusing surplus of abandoned real estate ."
But more than that, adaptive reuse has economical, historical ... Show more content on
Helpwriting.net ...
It was a massive undertaking with over four million square feet but was impressively all constructed
in 17 months and opened one year from conception in 1919. Cass Gilbert was the architect for this
complex, which was essentially composed of two rectangular block long buildings interconnected
by three bridges on the third floor of each and separated by a street way. These larger of the two
buildings is further separated in two by a train track that would have brought trains right into the
building for easy loading and unloading. Above the tracks is a series of trusses that support a long
triangular glass sunroof and allow light to flood the center enclosed atrium of the more massive
complex. The smaller building also connects to the atrium with three covered piers. Cass Gilbert
was a student of the Beaux Arts, however, in the Brooklyn Army Terminal we see Gilbert fabricate a
more utilitarian design, which was probably because of the space being more about function rather
than form and subsequently allowed the easy adaptive reuse of the space decades later. "The
complex was constructed of girder–less, steel reinforced concrete slabs and included 96 centrally
controlled push–button elevators, the largest elevator installation of its time. " The scale and speed
with which the complex was built was very typical of its time, in the early turn of the century
factories were still a common and necessary typology in the city as they were a source of economy
and jobs. But after the Second World War the world had changed, New York City had also changed
and factories began moving out of cities and into the Midwest or overseas. There was no need for
factory warehouse of such massive size and the complex closed down in 1964 until 1981 when a
rehabilitation effort by was jumpstarted by the city. Today, the Brooklyn Army

Globalization And Technology Strategy Assignment
Globalization and Technology Strategy Assignment Paper 1:
Examples of IT efforts that run, grow, or transform the business it serves
Hung Le
Kent State University
ABSTRACT
Since the introduction of Information Technology, the business world has been transformed. In
many aspects of business, IT contributes remarkably in increasing effective usage of time, efforts
and financial costs. This article is going to outline some examples of IT efforts that run, grow, or
transform the business it serves, thorough increasingly important layers of business operation and
management. Those layers are finance, communication and systems. 1. Finance
Some decades ago, business financial activities were far different from they are now. Transactions
were made using cash or bank notes, which were given directly from hand to hand or sent via mails.
It could take a week for a transaction to be complete due to distance. Orders given to brokers on
financial markets were made through phone or face–to–face communication. Nowadays, those
activities are totally transformed thanks to Information Technology.
The first examples to be noticed are innovations in banking industry. IT started to transform banking
industry with the introduction of Society for Worldwide Inter–bank Financial Telecommunications
(SWIFT) in May 1973. It has developed some systems to provide SWIFT Terminal Services, which
are services transmitting financial messages between banks worldwide. Some of its innovations are
ST100

Taking a Look at JP Morgan Chase
The earliest known predecessor known to JPMorgan Chase is in 1799 when it was chartered in New
York City. In 1784 Alexander Hamilton created the first National Bank. Then in 1799 Hamilton's
rival Aaron Burr a U.S senator and future vice president founded the Bank of Manhattan Co. Over
the years starting in 1991 many big companies started to merge together creating giant corporations.
In 1991 Manufacturers Hanover Corp. merged with Chemical Banking Corp. From then until 2000
many other companies were to merge and in 2000 J.P. Morgan & Co. Incorporated merged with The
Chase Manhattan Corp combining four of the largest and oldest money center banking institutions in
New York City.
JPMorgan Chase is one of the leading global financial services with operations in over 50 countries.
It serves millions of consumers and many of the worlds most prominent corporations and
institutions. JPMorgan's chase six major businesses are investment bank, Retail Financial Bank,
Card Services, Commercial Banking, Treasury and Security Services, and Asset manager.
Investment banking is what they offer their clients certain banking investment products and services
in all major capital markets(change). Retail Financial Banking is when Chase helps meet the
financial needs of consumers and businesses. Next, Card Services is what Chase offers their clients
credit cards, debit, etc(expand more). Commercial Banking is like what you see out in the real
world. JPMorgan Chase has branches to serve the

Advantages And Disadvantages Of Mergers In Banks
INTRODUCTION
Banking industry plays a very important role in the economic growth of a country. Mergers and
Acquisitions have become a positive way for growth in the size of banks which in turn play a
significant role in entering the competitive global financial market. The Indian banking sector can be
divided into two eras, the pre liberalization era and the post liberalization era. In pre liberalization
era government of India nationalized 14 Banks on 19 July 1969 and later on 6 more commercial
Banks were nationalized on 15 April 1980. In the year 1993 government merged The New Bank of
India and The Punjab National Bank and this was the only merger between nationalized Banks, after
that the numbers of nationalized Banks reduced from 20 to ... Show more content on
Helpwriting.net ...
Ayorinde (2012) examined the effects of merger and acquisition on the performance of selected
commercial banks in Nigeria. Gross earnings, profit after tax and deposit profile was chosen as
financial efficiency parameters for the purpose of study. The findings indicated an enhanced
financial performance leading to improved financial efficiency.
Devarajappa S (2012) in their research explored various motives of merger in the Indian banking
sector. It further compared pre and post merger financial performance of merged banks by using
various financial parameters. The result suggested that post merger, the financial performance of the
banks have improved, particularly, the return on equity, debt–equity ratio and Gross Profit ratio have
shown significant improvement after the merger.
Saluja Rajni, Sharma Sheetal, Dr. Lal Roshan (2012) evaluated the impact of merger on the financial
performance of HDFC Bank by using CAMEL Model. The study concluded that financial
performance of HDFC Bank improved in post merger period in almost all parameters of CAMEL
Model that is capital adequacy, asset quality, management capability, earning quality and

Npa In Banks

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