Essay On SWOT Analysis Of Commonwealth Bank Of Australia

Essay on SWOT Analysis of Commonwealth Bank of Australia
Commonwealth Bank of Australia – SWOT Analysis
Commonwealth Bank of Australia – Strengths
Strength – Commonwealth Bank Brand
Commonwealth Bank brand is the most recognised brand in Australian financial services industry. It
is a brand that has evolved over its 102 years of operation with a strong brand history.
Commonwealth Bank brand is highly regarded and trusted within the Australian financial services
industry. Other well known brands under the Commonwealth Bank Group includes Colonial First
State, CommInsure, ASB (New Zealand), Sovereign, FirstChoice, CommSec, and Bankwest.
Strength – Scale
Commonwealth Bank has a strong presence in Australian financial services industry and has the
largest customer base of any ... Show more content on Helpwriting.net ...
Commonwealth bank competes with foreign banks, building societies, mutual banks and smaller
regional banks. Growing innovation and technological advancements has lead to increased
emergence of new competitors and competition within the Australian banking and financial services
sector.
Threats – Government Regulations
New government regulations there have made it easier and cheaper for customers to change banks.
For example, banks in Australia are no longer able to charge early exit fees such as deferred
establishment fees on mortgage and personal loans due introduction of new regulation in early 2011.
Competitive Advantage of Commonwealth Bank of Australia
Maximising long–term value for its customers, shareholders and its employees is the organisation's
main strategic priority. Commonwealth bank's strategy is to create long– term value and maintaining
competitive advantage by differentiating itself from its competitors.
The organisation's goal is to achieve long–term value for its customers, shareholders and its
employees through domestic and growth outside of Australia.
Given the Commonwealth Bank Group's franchise position, the organisation aims to capture the
opportunity to generate growth domestically and outside of Australia by identifying and meeting
more of the needs of its customers.
In April 2012, as part of its
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Anz 's Sustainability Framework Analysis
The approach: ANZ's Sustainability Framework is about how to manage business to take account of
economic, social and environmental risks and opportunities to deliver value for customers,
shareholders, people and communities. It supports the vision of becoming the best connected, most
respected bank in the Asia Pacific region. Involving social and environmental factors into
consideration when it comes to business decisions, products and services to achieve customers'
sustainability aims and communicate long term services for all the stakeholders.
Growing business in a sustainable way of thinking requires banking activities to be financially,
socially and environmentally approachable in both short and long term operation. ... Show more
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And just as ANZ's approach has put them in the means to short–term and long–term managing, all
corporations must have been operating for both short–term and long–term running. Economic
sustainability refers to an economy's ability to create and maintain economic conditions that retain
economic health of current moment and long–term economic development. In the banking
corporation, it's less complex to aiming for, as banking of all organizations should know how to
manage funds in the long run financially profitable. Environmental sustainability is about making
responsible decisions that will reduce the negative impact on the environment caused by business
activities, not simply about reducing the amount of waste you produce or using less energy, but is
concerned with developing state that will make businesses more reliably sustainable in future
operations. Social sustainability has been given less attention in public activities than economic and
environmental sustainability. It is the neither the most defined or understood of the different ways of
approaching sustainable development. ANZ seeks to better understand social and environmental
pressures and to identify what can be done in the workplaces and branches to help minimise
environmental impact. They also actively support customers and suppliers to deliver environment–
friendly and social outcomes.
Switching to new operating method and techniques It is clear that ANZ has put

A Comprehensive Research On Anz Banking Group Ltd.
The purpose of this report is to perform a comprehensive research on ANZ Banking Group Ltd.'s
International business strategy, utilizing the concepts of Global Project Management. The
information is used to understand the current capability of the organization, and propose an ICT
solution that would support the organization's business strategy while meeting its business
requirements (Tang, 2010), helping the organization realize overall maturity. 1.2 Scope The
investigation done was based on the business structure of ANZ with the focus on value chain
analysis as well as internet banking programs located globally. The projects taken up by ANZ
Banking Group Ltd that are not directly associated with the business requirements were not taken ...
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1.6 Literature Review The proposal has been drawn on concepts such as value chain analysis and
approaches to achieve competitive advantages in an organization. It has been stated in researches
that the competitive advantages of an organization are specific to a country and "the value chain are
a reflection of its history, its strategy, its approach to implementing its strategy and the underlying
economics of the activities themselves" (Porter, 1986, 1985). Since ANZ has its business located in
several countries, value configuration will be a crucial step in analysing the geographical dispersion
of activities (Schmid and Groshe, 2008) . The research on how business reengineering is beneficial
while implementing an ICT solution will help in drawing an outline of how it will proceed (Huo et
al, 2010). 2. ANZ's International Business Strategy 2.1 Introduction International Business Strategy
can be referred to as a plan of action where the 'internationally scattered subsidiaries of an
organization act independently, with minimum coordination with the parent company' (Twarowska,
2013). Few of the incentives (UT Arlington) that an organization achieves by expanding
international business strategy are listed below: Increased market size: The customer base for the
organization increases drastically, facilitating mergers and joint ventures with country–specific
businesses. Greater returns on investments: Discovering Low–cost countries to acquire services and

External Environment Analysis of Kiwibank
1. Introduction In New Zealand, banks was established to serve the finacial need of people in the
period of be settled by European. Nowadays, New Zealand is one of the most competitive and
flexible banking industries in the world because of environment and banks' strategic capabilities. In
this assigment, the broad macro–environment that influences banking industry will be analysed
through PESTEL framework and Porter's five forces. There are large banks in New Zealand such as
ANZ bank, BNZ bank, and Kiwibank; however, just Kiwibank are deeply analysed in this
assignment. Moreover, through Porter's five forces, there are identification and discussion of the
relative importance for Kiwibank. Furthermore, the analysis of Kiwibank's strategic ... Show more
For example, in stead of payment by cash, transactions can be performed by credit or EFTPOS
(Electronic Funds Transfer at Point of Sale) cards. Moreover, this is also a convenience for
organizations to finacial management. 2.1.4. Technology 2013 is the year of five high–tech trends of
banking industry, which are mobile, cloud, analytics, social, and cyber (Deloitee, 2013). This
assignment just focuses on the first three technologies. Mobile banking is a service which customers
can perform the transaction, check the balance, or have some feedback by their mobiles. The second
applied technology is cloud computing. The US National Institute of Standards and Technology
(NIST) formally defines cloud computing as "a model for enabling ubiquitous, convenient, on–
demand network access to a shared pool of configurable computing resources – networks, servers,
storage, applications and services – that can be rapidly provisioned and released with minimal
management effort or service provider interaction." There are many advantages of cloud computing
which are to use dynamic computing resources, reduce cost, and decrease complicated level in
framework of organization, increase ability to use computing resources. By applying cloud
computing, the third party will participate in the client experience, but not intervene in the client
relationship of the bank. Analytics technology means that data needs to be kept secret to

How the Slowdown in Chinese Economy Growth Impacted New...
ASSESSMENT COVER SHEET |Student's name |(Surname) |(Given names) | | |Grill |QUENTIN |
|Student's I.D. number 27154130 |Phone number 0108898845 | |Unit name |Business in Asia |Unit
code |ECF2550/ECX3550 | |Title of assignment | ... Show more content on Helpwriting.net ...
| |Plagiarism: Plagiarism means to take and use another person's ideas and or manner of expressing
them and to pass these off as one's own by failing to give | |appropriate acknowledgement. This
includes material from any source, staff, students or the Internet – published and unpublished works.
| |Collusion: Collusion is the presentation of work which is the result in whole or in part of
unauthorised collaboration with another person or persons. | | | |For further information see the
university's Plagiarism Policy at:
http://www.adm.monash.edu.au/unisec/academicpolicies/policy/plagiarism.html | | | |Where there are
reasonable grounds for believing that plagiarism or collusion has occurred, this will be reported to
the Chief Examiner, who will disallow | |the work concerned by prohibiting assessment or refer the
matter to the faculty

Using the Cultural Dimensions Explored in Module 1,...
Using the cultural dimensions explored in Module 1, discuss some of the ways in which Australian
and New Zealand citizens are members of cultures or clusters that are different from the clusters In
Indonesia (about 800 words). Insert the bar chart that you created in the research activity as an
Appendix , but use the descriptions of differences between the countries in the text. Hofstede (2005)
describes the five dimensions of basic cultural values as follows: Expectations regarding equality
among people, called "power distance" – PDI Expectations regarding reactions to situations
considered different and dangerous, called "uncertainty avoidance" – UAI Relationships between
the individual and the group, called "individualism" – ... Show more content on Helpwriting.net ...
(Cullen 2011, p.49). Masculinity We know that in general men and woman exercise different roles
in the workplace, as for males, they focus a lot on achievement, self–reliance and motivation and
woman focus on nurturance and responsibility(Cullen 2011, p.50–51). Australia and New Zealand
scored higher than Indonesia on masculinity and in general this means that in Australia and New
Zealand most of the jobs are defined by gender and although there is not a vast difference in scoring
Indonesia's scoring is lower at 46 in comparison to Australia at the top at 61 and New Zealand at 58.
The main difference is that men tend to choose longer term jobs in comparison to women, the men
also accept expatriate jobs much more easily when compared to women as women have to care and
nurture their families.(Cullen 2011,p 51–52) Uncertainty Avoidance The uncertainty and avoidance
scores are very close together, Australia at 51, New Zealand at 49 and Indonesia at 48 and
Uncertainty avoidance is Indonesia's second highest score which is 48. Even though Indonesia has
the second highest score in uncertainty avoidance index, it is still a low score compared to a world
average of 64 and Asian countries' average of 58 (International Business Center, 2003). Low
uncertainty avoidance for Indonesia reflects that communities are less aware of threat caused by
uncertain

Swot Analysis Of Anz Bank
ANZ Bank
Company Overview: The Australia and New Zealand Banking Group Limited (ANZ Bank) was first
opened as Bank of Australia in Sydney in 1835. It then established an office in Melbourne in 1838
which is where its current headquarters is located. ANZ operates in 33 markets globally with
representation in Australia, New Zealand, Asia, Pacific, Europe, America and the Middle East. ANZ
is the 3rd largest bank in Australia, the largest banking group in New Zealand and Pacific, and
among the top 20 banks in the world. It provides a range of banking and financial products and
services to over 9 million customers and employs over 50,000 people worldwide.
Business Sector: Banking
Operating Geography: Australia, Global
Revenue: 20.93 billion ... Show more content on Helpwriting.net ...
They believe low interest rates support borrowing and spending. Trans–Tasman Council was
established in 2005 to harmonize banking regulations. This council allowed Australia and New
Zealand regulatory frameworks to operate smoothly. A reciprocal legislation passed in these two
countries required supervisors in each country when taking regulatory action, which would help to
avoid disruption of financial stability of the other country. This would minimize distortions created
by different regulatory mechanisms and improve the efficiency of the banking sector of these
countries.
Economic
1. Economic variables and implications: The current inflation rate is 2.5%, GDP is $999.6 billion
and the economic freedom score is 81.4. The total tax revenue is 27% of domestic economy and
government expenditure is 35.7% of the economy. Research shows that the younger generation i.e.
those under 24 years are favouring the use of debit cards and moving away from credit cards as
opposed to the older generation. This is prevalent due to increased digital based transactions in the
case of younger generations which have major implications for banks.
2. Changes in economy and their implications: The economy is a multi– speed economy and
customers are borrowing less and funding costs are increasing. ANZ needs to put greater emphasis
on productivity and capital efficiency, as well as unlock the potential of their

Business Analysis Management Project Management
High versatile and solutions focused with the skills and expertise needed to enhance workflow
management, operational processes, improve reporting services, and to deliver on new IT systems
and application deployments. Benefits from having been at the forefront of project delivery, working
within a PMO setting and driving initial requirements through to go–live and support. Proven
change management skills, working across the organisation to garner buy–in at all levels. Clear and
confident communicator, and recognised influencer. Able to lead and manage resources both on and
off shore.
Business Analysis Management Project Management Consulting Business Requirements
Structured Data Analysis Compliance & Risk Management Change ... Show more content on
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The Compliance Enterprise Reporting Team (CERT) is responsible for the development and
maintenance of enterprise reporting solutions used by up to 17,000 ATO employees distributed
through six business areas.
Drove the technological roadmap for Cognos Business Intelligence (BI) and Business As Usual
(BAU), focusing on developing a scalable framework that meets current and future organisational
needs for CERT.
Analysed the ATO business model and the strategic direction of all divisions under remit, working
with business management and end users to assess, analyse, recommend, and implement business
improvements that support the business initiatives with IT enabling projects and change
management
Worked closely with key stakeholders, business users and functional analysts, comprehending
business requirements and modelling

Taiwan 's Economic Impact On The Economy
Taiwan's economy ranked the 20th largest in the world in 2014 on a purchasing power basis, and
26th in nominal terms according to IMF data. IMF projected Taiwan's economy to rank 21th on a
purchasing power basis and 22rd in nominal terms in 2016. Its economy is well developed and it's
growing at a stable rate. Since 1992, Taiwan's GDP growth has an average 4.5%. Its GDP per capita
raised from $9,116 in 1992 to $19,762 in 2012. Taiwan has experienced rapid expansion in
international trade. In 1992, Taiwan's total trade was over $180 billion and represented 82% of GDP.
In 2012, Taiwan's trade was over $650 billion and represented 140% of GDP. In 2012, over 77% of
Taiwan imports were of agricultural goods and raw materials due to limited arable land and natural
resources. While only around 1% of exports were from agricultural goods, the rest 99% of exports
were from industrial sector (Meltzer, 2014). Therefore, agricultural goods are highly demanded in
Taiwan.
Politically, Taiwan was under the control of the Kuomingtang(KMT) after world war II.
Kuomingtang(KMT) is the Nationalist Party which ruled both mainland China and Taiwan.
After defeat by Communist party in the Chinese Civil War, Kuomingtang(KMT) retreat to Taiwan in
1949 and instituted dictatorship in Taiwan and ruled it under martial law until 1987. Afterwards, a
series of constitutional reforms transformed Taiwan into a vibrant democracy. In 2000,
Kuomingtang(KMT) transferred presidential power to the Democratic

The For The Cash Rate Unchanged At 2.0 % Essay
At its meeting today, the Board decided to leave the cash rate unchanged at 2.0%.
The Board's decision is based on the following conditions. According to the January 2016 World
Economic Outlook (WEO) , the growth rate is 3.1% in 2015, which is less than the forecast in 2016
(3.4%) and 2017(3.6%). It is apparent that the global economy is slightly dipped and the economic
recovery is predicted to be moderated in 2016. Besides, the surplus supply in the oil market possibly
be moderated and the members noticed the World Bank adjusted the predicted oil price in 2016 from
$37 per barrel to $41 per barrel , which may drive a growth of the inflation rate. The World Bank
also pointed out that in February, the reduction forecast in metals prices is 8.2%, less than the
prediction in January (10.2%)5. It is inimical to Australia, which is rich in mineral resources.
Moreover, since China is the largest export market of Australia, its slowdown of growth probably
influences the trade with Australia. At 2015, China's GDP increasing rate was 6.9% and reached the
bottom at 6.7% in the first quarter of 2016 . Some trade with Australia, such as iron ore, base metals
and coal, may be affected by this reduction. As a result, we cannot deny that the cash rate may be
influenced by the possible drop in the future. However, the Free Trade Agreement (FTA) signed by
China and Australia entered into force on 20 December 2015 . Due to the agreement, over 86% of
Australia's goods that export to China

Australia’s Banking Industry
Australia's Banking Industry
Date: May 2011 Disclaimer This publication has been prepared as a general overview of the
Banking Industry in Australia and does not constitute and is not intended to constitute financial
product advice as defined under the Corporations Act 2001 (Cwth). Nothing in this document should
be construed as a recommendation or statement of opinion intended to influence a person in making
an investment decision. The information is made available on the strict understanding that the
Australian Trade Commission (Austrade) is not providing professional advice. While all care has
been taken in the preparation of this publication, Austrade expressly denies liability for any loss or
damage of any nature (including but ... Show more content on Helpwriting.net ...
Executive Summary
Australia has a strong, profitable, sophisticated and well regulated banking sector which is
welcoming of new entrants and increasingly engaged in regional and global markets.
The financial sector is the largest contributor to Australia's national output, around 11 per cent of
Australian output or A$135 billion of real gross value added in 2010.1 Australia ranked fifth
amongst the world's leading financial systems and capital markets in the 2010 World Economic
Forum Financial Development report. Total assets of Australia's banks, defined as Authorised
Deposittaking Institutions (ADIs)2, were A$2.7 trillion. Australia has four large domestic banks (the
"four pillars") that provide full service retail and commercial lending to the Australian economy;
Australia and New Zealand Bank (ANZ), Commonwealth Bank of Australia (CBA),

Low Levels Of Youth Engagement In The Election
New Zealand is a representative democracy, where general elections are held once every three years,
to create fair votes. New Zealand citizens and residents are eligible to vote from the age of 18,
however enrolling is required whereas, voting is not compulsory. The general elections are coming
up soon, and according to the previous outcomes, the results of votes have been a concerning
problem from the last previous years. This is mainly concerning within the younger age groups from
18–24. This is an important issue because if the younger voters are not fulfilling this opportunity, the
level of youth engagement may not increase in the future. Due to the low levels of youth
engagement, the policy solution needs to be modified in order to ... Show more content on
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Due to the low level of knowledge that young people know about the political affairs, this is one of
the disadvantages that is possibly causing the results to be quite low, as the people will have no
understanding on how they decide the right decision that could provide the country with a better
future. This can also affect a number of votes on what the other citizens and residents in New
Zealand have a say in the future because the people who didn't vote aren't having a say on the future
they want.
One policy solution to increase the engagement of the young voters is to make voting compulsory.
Currently voting is not compulsory, however, it is required to enrol for the elections in New
Zealand. To increase the outcomes of voting "Compulsory voting for local elections – with fines for
those who don't have their say – is worth considering to tackle record low turnout", Labour says. By
enforcing this legislation, this would mean that even if the young voters would not vote they would
need to unless they want to face the consequence of having a fine applied. Given a number of people
that are not engaging in the elections in New Zealand, this has been a problem for the previous year,
but to change this it could potentially increase the number of voters. Currently, the legislation of
compulsory voting with a

BFF5050 Essay
Executive summary
Westpac as the oldest financial institution in Australia operate their business widely. The company
expands their core markets of Australia, New Zealand and Pacific around them, where provide a
wide range of products and services that meet the needs of customers. Until now, the number of
customer members arrived at 12 million customers. It is clear that Westpac would increase the
position in financial market.
Table of Content
Executive summary 1
1. History 3
1.1 Acquisitions and merges 4
2. Products and Services 5
2.1 Personal products and services 5
2.2 Business Products and Services 5
2.3 Corporate Products and Services 6
3. Current State of Westpac 6
3.1 Financial Condition of Westpac 7
3.2 Performance on Balance ... Show more content on Helpwriting.net ...
In 2002, Westpac change its business strategy by selling consumer finance unit, Australian
Guarantee Corporation, to GE Australia so that Westpac has the capital to strong its wealth
management. Besides，the strategy also accompanied with the acquisitions of Rothschild Australia
Asset Management Ltd , Parts of BT Financial Group and Hastings Funds Management Limited
over the next 3 years (Pederson,2011).
The largest banking merger in Australia happened by Westpac merging with St. George Bank
limited in 2008,which was dramatically decrease impact of the global recession on Westpac's
balance sheet. St. George Bank was one part of Westpac divisions. Furthermore, Westpac turned to
be one of authorized deposit–taking institution (ADI) in 2010 (Westpac, n.d.).
2. Products and Services
According to the three different departments, Westpac group has divided customers into three types,
including Australian Financial Services (AFS), Westpac Institutional Bank and Westpac New
Zealand. This report focuses on the products and services of Westpac retail and business banking
which belongs to a part of AFS. In addition, AFS also include St. George Banking Group and BT
Financial Group (Westpac, n.d.).
For Westpac retail and business banking, products and services are distributed into three parts to
face different targeting customers: personal, business, and corporate.

2.1 Personal products and services
For personal products

Anz Bank
2014 ANNUAL REPORT
Australia and New Zealand Banking Group Limited ABN 11 005 357 522
This Annual Report (Report) has been prepared for Australia and New Zealand Banking Group
Limited ("the Company") together with its subsidiaries which are variously described as: "ANZ",
"Group", "ANZ Group", "the Bank", "us", "we" or "our".
ANZ ANNUAL REPORT 2014
ANZ IS EXECUTING A FOCUSED STRATEGY
TO BUILD THE BEST CONNECTED, MOST RESPECTED
BANK ACROSS THE ASIA PACIFIC REGION
WHO WE ARE AND HOW WE OPERATE
ANZ's history of expansion and growth stretches over 175 years. We have a strong franchise in
Retail, Commercial and Institutional banking in our home markets of Australia and
New Zealand and we have been operating in Asia Pacific ... Show more content on Helpwriting.net
...
Finally, we focused on strengthening management depth and the alignment between business,
operations, technology and enablement. We are committed to delivering above–peer earnings
growth with strong capital and expense disciplines, targeting further productivity improvements
over the next three years while increasing return on equity from current levels.
This will be achieved by strengthening our position in Australia and New Zealand, growing in Asia
and sharing common technology, processes, products and services that are designed with our
customers in mind.
1
2
CONTENTS

Section 1
Section 3
Financial Highlights
5
Five Year Summary
196
Chairman's Report
6
Principal Risks and Uncertainties
197
Chief Executive Officer's Report
7
Supplementary Information
206
Directors' Report
8
Shareholder Information
208
– Operating and Financial Review
12
Glossary of Financial Terms
214
– Remuneration Report

28
Alphabetical Index
216
Corporate Governance
57
Section 2
Financial Statements
77
Notes to the Financial Statements
84
Directors' Declaration and
Responsibility Statement
193
Independent Auditor's Report
194
CONTENTS
3
SECTION 1
Financial Highlights
5
Chairman's Report
6
Chief Executive Officer's Report

Industrial Relation Issues On Industrial Instruments And...
This purpose of this report is to examine industrial relation issues that are combated in the
workplace and relating these issues to industrial instruments and entitlements ( Thornthwaite &
Sheldon, 2013). The chosen workplace for this report is WestPac it is one of the biggest leading
banks in Australia which provide various financial services for their customers. The issues that will
be discussed in this report outlines the conflicts of maternal/parental leave in Westpac, enterprise
agreements of the workplace, comparisons between industrial instruments and if these requirements
fit in with the National Employment Standards (NES). Moreover, under the Fair Work Australia Act
2009, it covers many industrial instruments particularly the one ... Show more content on
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In terms of Westpac's enterprise agreement there was a major industrial issue regarding the loss of
jobs and employees had a vote in order to ensure that their rights and working conditions were met
with Westpac's enterprise agreement.
In the workplace, the instrument that is widely addressed and has created ongoing conflict in the
workplace is parental leave. Paid parental leave allows the employees to be covered by working
conditions which allows them to be accommodated from recuperation from birth ( (Baird, Whelan ,
& Page , 2009) According to human services department by law parental leave pay lasts for at least
eighteen weeks for employees to take time off to take care of their newborns or infants ( (Human
Services , 2014) However, according to Westpac's conditions those employees that are permanent in
the workplace are only given thirteen weeks of paid parental leave including superannuation pay,
therefore this created industrial conflicts regarding the unpaid parental leave. The workplace
parental leave conditions are protected by the Paid Parental Leave Act (2010), which ensures that
employees are given financial support to care for their newborns .The parental scheme is
problematic as some employees have argued that their parental leave conditions are not reasonable,
Westpac provides both financial and non–financial

Bloomberg Assessment (Bat)
Bloomberg Assessment (BAT)
SAMPLE TEST QUESTIONS
I. Economics
You have just been transferred to Sydney and cover Australia and New Zealand on the sovereign
research desk. Australia and New Zealand operate under a free trade agreement. No barriers to trade
exist, and both currencies float. In this environment, an increase in expected inflation in New
Zealand would most likely cause what effect?
Choose One Answer
o o o 
An increase in exports from New Zealand to Australia An increase in imports to New Zealand from
Australia An increase in the New Zealand Dollar versus the Australian Dollar A decline in the New
Zealand Dollar versus the Australian Dollar
II. Financial Statements and Reporting
Pinnacle Entertainment is a ... Show more content on Helpwriting.net ...
Choose One Answer
o o  o
Discounted cash flow analysis Histogram analysis Regression analysis T–test analysis
VIII. Verbal
Read the passage below and answer the questions that follow.
Source: "G–20 Should Mull Currencies Agreement, Niall Ferguson Says" by Brett Miller
Bloomberg.com, October 12th, 2010 Group of 20 leaders meeting next month ought to discuss a
plan to strengthen undervalued currencies, similar to the Plaza Accord in 1985, Harvard University
historian Niall Ferguson said. "The real currency war is actually between Chimerica –– China plus
America –– and the rest of the world," Ferguson said in an interview at the World Knowledge
Forum in Seoul. "It would be much better to have some kind of Plaza–like international agreement
and I very much hope that at the G–20 summit in Seoul next month this will be No.1 on the
agenda." The Plaza Agreement reached in 1985 prompted a decline in the U.S. dollar against its

Japanese and German counterparts. Brazilian Finance Minister Guido Mantega said last month that
a "currency war" was under way, in which economies are weakening currencies to support exports.
At an International Monetary Fund meeting this month in Washington, finance chiefs failed to
narrow differences over currencies, with China accused of undervaluing the yuan and low U.S.
interest rates criticized for flooding emerging markets with cash. "Currency appreciation is
necessary,"

Swot Analysis Of Anz Bank
Company Overview: The Australia and New Zealand Banking Group Limited (ANZ Bank) was first
opened as Bank of Australia in Sydney in 1835. It then established an office in Melbourne in 1838
which is the place its present base camp is found. ANZ works in 33 countries globally with portrayal
in Australia, New Zealand, Asia, Pacific, Europe, America and the Middle East. ANZ is the third
biggest bank in Australia, the biggest keeping money bunch in New Zealand and Pacific, and among
the best 20 banks on the planet. It gives a scope of banking and financial products and services to
more than 9 million clients and utilizes more than 50,000 individuals around the world. It gives a
range of banking and financial services to more than 9 million ... Show more content on
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They feel the existing economy is growing but at a slower than expect pace and hence monetary
policy needs to be accommodative. They believe low interest rates support borrowing and spending.
Trans–Tasman Council was established in 2005 to harmonize banking regulations. This council
allowed Australia and New Zealand regulatory frameworks to operate smoothly. A reciprocal
legislation passed in these two countries which required supervisors in each country when taking
regulatory action, which would help to avoid disruption of financial stability of the other country.
This would minimize distortions created by different regulatory mechanisms and improve the
efficiency of the banking sector of these countries.
Economic
1. Economic implications of ageing population: Australia is confronting a dual challenge of
developing and maturing and ageing population which is expected to touch 40 million by 2055 with
almost 25% of the population or 10 million being 65 or more. With its ageing population, Australia
should increase its profitability to guarantee continued development and improvement. There is a
requirement for more productivity in funding the economy and major players such as ANZ in the
banking and financial services sectors have a noteworthy part to play in this.
2. Changes in economy and effect on banking: The economy is a multi–speed economy and clients
are acquiring less and funding costs are increasing. ANZ needs to put greater emphasis on
profitability and

The Economic Aspect Of Globalization
Although internationalisation and world trade have a long history, the process of globalisation itself,
as it is commonly noted, is assigned to accelerating interconnections between distinct geographical
areas it the world since the decade of 70. The term 'globalisation' is extensively used to describe an
ongoing process of the flows of capital, information, technology, culture, people and goods beyond
the border of national scale to form an interconnected global network. The economic aspect of
globalisation has been the most intensively discussed policy, the new international division of
labour, the relocation of manufacturing to developing countries and the increasing foreign direct
investment. That is for an obvious reason, money is all ... Show more content on Helpwriting.net ...
For banking, especially retail banking, the challenge is even greater, as government regulations
further separate national markets. Different geographical figures and contrasting manners of
development for external strategies underlie that (Venzin, Kumar, Kleine, 2008) banks '
internationalization has been driven primarily by opportunism it is clear that overseas expansion has
not guaranteed superior financial performance. For these reasons, it is instructive to consider a retail
bank that has both adopted a systematic approach to international expansion and has generated
exceptional financial and operational performance. The exclusive procedure to transform the
opportunism into the superior financial performance is with high competent managers and a
successful implementation of an internationalising business model.
From individuals and families, to the small business those are dependent of their country economy,
to largest institutions and corporations, Australia and New Zealand Banking Group (ANZ) play a
key part in helping many Australians, New Zealanders or any person from the thirty three countries
it is hosted on to achieve their financial aspirations. ANZ is led by a group of senior managers who
are responsible for the long term success of the company. It is the third largest bank by market
capitalisation in Australia, after the

The Central Bank Of Australia
The Central Bank
The Reserve Bank of Australia (RBA) located in Sidney, South Wales, Australia, is the Central Bank
of Australia. All the responsibility that this bank has over the country comes from the Reserve Bank
Act 1959. The duty to contribute for the stability of their currency, maintain full employment and
the economic prosperity with the welfare of Australian people. Using strategies as setting cash rate
to settle the medium term of inflation target, managing to control a strong financial system and
productive payment system, and last but not least issuing bank's notes.
On the other hand, the Central Bank delivers banking services to overseas central banks and others
institutions. Also managed the gold and the exchange ... Show more content on Helpwriting.net ...
APRA also issues capital adequacy for banks that are reliable with the Basel II rules. APRA also
requires all of the institutions that they regulate to report a periodic basis.
ASIC relays in market integrity, consumer protection, and regulation on financial institutions like
investment banks or finance companies. However, ASIC does not investigate concerns about the
consumer protection, its delegated to the Australian Competition and Consumer Commission
(ACCC). To sum up, banks are also obligated to follow the Anti money Laundering and Counter
Terrorism Financing Act 2006. It is required to monitor every customer using the risk–based
approach, which is a program from the Australian Transaction Reports and Analysis Centre
(AUSTRAC) to identify any suspicious activities in any account and also to file an annual report for
the records.
Commercial Banks Operating in the country
National Australia Bank Group (NAB) is one of the four top banks in Australia. This bank has about
40,000 members and 1,700 branches globally. The income statement below shows the amounts in
US Australian dollars from last year (2014). For further information about their balance sheet see
appendix figure 1.
Commonwealth bank: also in the top four banks of Australia with branches across the world such
Asia, New Zealand, North America etc. This Bank offers life insurance, retirement income and
general insurance. Is one of the

The Market Of Monopoly, Oligopoly And Duopoly Monopoly
Introduction
There are different types of market situation a firm has to face which directly affect the price and the
quantity demanded and supplied in the economy. The major types of market structures prevalent in
the economy are perfect competition, monopolistic market, monopoly, oligopoly and duopoly. Here,
in this essay we will be elaborating about three market conditions i.e. monopoly, oligopoly and
duopoly where monopoly is characterized by single seller in the market selling unique products with
high barriers to entry which makes it difficult or impossible for others firms to enter the market. As a
result, firm can enjoy abnormal profit by owning the fundamental resources, licenses and patents
that create legal barriers to other ... Show more content on Helpwriting.net ...
New Zealand Stock Exchange which can be called as only competitor is also interested to help them
rather than competing with them. Likewise, Australia has the legalized monopoly in the field of
casino and gambling licenses. For example, tatts lotto and TAB operations in Queensland, Southern
Australia, Northern Territory is legally protected. In addition to this, city link trains are also
enjoying monopoly n the major cities like Sydney, Melbourne and Brisbane (Dunn 2006). Through
monopoly firms want to maintain the standards and retain the prices ( Darren 2012).
In the monopoly market situation the profit is maximum at a point where marginal cost (MC) is
equal to marginal revenue (MR) where equilibrium price is P1 and cost being ATC1 leading to
abnormal economic profit which is shown by the shaded area (Hubbard et. al. 2013).
With limited options the oligopoly tends to largely ignore the actual consumer because they have
such little market power so, consumer orientation is low in an oligopoly and the investment in
market research tends to be low to non– surviving. As a result of all this, oligopolistic markets have
highly loyal customers due high brand awareness but very low in brand associations and exhibits
low differentiation from each other. In Australia 80 percent of national retail banking is ruled by four
big banks i.e. National Australia bank (NAB), Common Wealth Bank, Australia

Abc Learning Centres Limited
1.Executive Summary
ABC Learning Centres Limited (ABC) has recently came into limelight in the childcare industry. It
went into receivership on 6 Nov 2008 and Australian Government has announced to assist ABC to
continue operation till end of 2008 by injecting $22 million.
An analysis has been done on ABC on why the company has landed itself into receivership by
analysing its annual Income Statement, Balance Sheet and Cash Flow Statement. Reading and
analysing of news and articles in relation to ABC has been done to support and supplement the
analysis.
From the analysis, the underlying reasons for ABC to be in current state are the excessive
borrowings to expand, high operating costs, poor credit control, constant issues on equity ... Show
more content on Helpwriting.net ...
(http://www.investsmart.com.au/shares/asx/ABC–Learning–Centres–ABS.asp)
4.Financial Position and State of Affairs
In 2006, ABC acquired Learning Care Group, Busy Bees in UK and Forward Steps in New Zealand
to become the world largest child care provider. All these major acquisitions took place during
2005–2007.
In 2005, ABC bought over Funatastic Holding, the exclusive toys supplier for ABC. However, this
doesn't mean ABC is getting the most competitive price. By making Funatastic Holding too
dependent on ABC and may impede its growth.
In last quarter of 2007, ABC further acquire Leapfrog Nurseries group of 88 childcare centres,
increase its stakes to 80% in Mediasphere Pty Ltd in digital publishing and the completion of
acquisition of New Zealand College of Early Childhood Education.
They are involved in social activities like funding SIDS and Kids, Starlight Children's Foundation
Australia and the Royal Children's Hospital–Brisbane, and many others. It also set up its own
training college, NIECE–The National Institute of Early Childhood Education, which makes ABC
one of Australia's most popular training and assessment providers in this specialized field.
As a result of this rapid expansion, ABC financial woes start to unfold due to rumours about its $1.8
billion debt triggered a decline in the company's share price. The major shareholders were forced to
sell their shares after receiving margin calls

A Report On Westpac Bank Essay
Executive Summary
These reports focuses on Westpac bank and gives an depth view of the operational issues that often
customers complain about and their likely effects. The report outlines how Westpac bank can use
Total quality Management to solve its operational problems and deliver proper customer service to
its customers. In coming up with the report I have used several scholarly articles, customers
feedback from social media hurdles of Westpac Bank and the recommended class texts.
Table of content
Introduction............................................................................... 3
Operational issues...................................................................... 3
Total quality Management.........................................................5
Use of total quality management in Solving Westpac
Bank operational issues...............................................................5
Use of technology in Total Quality Management......................9
Technological Advancements......................................................10
Conclusion.....................................................................................11
References....................................................................................12
INTRODUCTION Westpac is Australia oldest bank which was established in 1817 as the Bank of
New South Wales. It changed its name to Westpac banking corporation in 1982 after acquiring the
Commercial Bank of

Doing Business in the Asia/Pacific Rim Region
DOING BUSINESS IN THE ASIA/PACIFIC RIM REGION
State Capital Group 1747 Pennsylvania Avenue, N.W. Suite 1200 Washington, D.C. 20006 (202)
659–6601 PHONE (202) 659–6641 FAX info@statecapitalgroup.org www.statecapitalgroup.org
© 2009 State Capital Group Member law firms practice independently and not in a relationship for
the joint practice of law.
STATE CAPITAL GROUP ASIA/PACIFIC RIM MEMBER FIRMS
AUSTRALIA (MELBOURNE)
Hall & Wilcox
AUSTRALIA (SYDNEY)
Holman Webb
Level 30 Bourke Place 600 Bourke Street Melbourne, Victoria 3000 Australia +(61–3) 9603–3555
PHONE +(61–3) 9670–9632 FAX www.hallandwilcox.com.au Contact Attorney: Mark Dunphy
mark.dunphy@hallandwilcox.com.au CHINA (HONG KONG)
Level 17 Angel Place 123 Pitt ... Show more content on Helpwriting.net ...
Tab 6 SOUTH KOREA
............................................................................................................................................ Tab 7 SRI
LANKA
................................................................................................................................................... Tab 8
THAILAND
................................................................................................................................................... Tab 9
This publication is intended to provide general information for those interested in learning more
about conducting business in various jurisdictions throughout the Asia/Pacific Rim region. The
contents are intended to provide general information and not to apply to specific problems. Because
the facts in each situation vary, the legal authorities discussed may not be applicable to specific
circumstances. Readers of this publication are urged to consult their own attorneys concerning
specific legal questions. No one should rely on the materials discussed without first determining
whether the pertinent provisions have been amended, repealed or overruled. This article is intended

for general informational purposes only and subject to updates from time to time. Any person should
not rely upon the contents of this article as legal or professional advice. Further professional advices
should be sought for any particular issues or cases.
Doing Business in the

Using the Cultural Dimensions Explored in Module 1,...
Using the cultural dimensions explored in Module 1, discuss some of the ways in which Australian
and New Zealand citizens are members of cultures or clusters that are different from the clusters In
Indonesia (about 800 words). Insert the bar chart that you created in the research activity as an
Appendix , but use the descriptions of differences between the countries in the text. Hofstede (2005)
describes the five dimensions of basic cultural values as follows: Expectations regarding equality
among people, called "power distance" – PDI Expectations regarding reactions to situations
considered different and dangerous, called "uncertainty avoidance" – UAI Relationships between
the individual and the group, called "individualism" – IDV ... Show more content on Helpwriting.net
...
This is purely a result of its unique history and geographical characteristics as an archipelago of
islands, and its attendant social and cultural heterogeneity (Geertz, 1961). Economic System
Economic system is a system of beliefs (concerning work, property and wealth), activities
(extractions, production and distribution), organizations(business firms, labour unions), and
relationships(ownership, management) that provide the goods and services consumed by the
members of a society.(Cullen 2011, p.81) The economic system is unique in that Indonesia has a
market–based economy in which the government plays a significant role. There are 141 state–owned
enterprises, and the government administers prices on several basic goods, including fuel, rice, and
electricity. Growth rebounded in 2010 to 6.1% and is forecast to have reached 6.2%–6.5% in 2011.
Poverty and unemployment have also declined despite the global financial crisis, with the poverty
rate falling to 12,5% (March 2011) from 13.3% a year earlier and the unemployment rate falling to
6.6% (February 2011) from 6.8% a year earlier. In December 2011, Fitch Ratings upgraded
Indonesia's sovereign debt rating to investment grade. . There are many potential infrastructure
projects in multiple sectors including hydroelectric and solar power, palm oil, new roads including
toll motorways, mining, expansion of broadband internet, and

Commonwealth Bank
Commonwealth Bank
This paper will show the situational analysis of commonwealth bank, it also analysed the
organisational structure and its strategies. Because every business needs to take some action that will
help them keep a good position in the market, but before taken any action they have to do some
research the find to cause of problem in order to identify the resolution. The results and useful
information during this analysis will help the organisation to choose suitable strategies, develop that
management strategies and improving the service operation, which is going to help them achieve
their objectives. At the beginning it will be presented brief history of commonwealth bank and
following by their operational service, problems ... Show more content on Helpwriting.net ...
They also have some management problem because in year 2001, the boards of commonwealth have
made wrong decision about their business strategy due to the decreasing of their profits in year 2001
– 2002, then they made the adjustment on their strategy and start doing well again.
Current situation
The current situation of commonwealth bank is stay in a very good position because they have
become the leader of retail bank in Australia, which is best in customer service. They also have good
reputation because they have donated some money to public, supported sport events and helped
environmental saving program. Their current financial situation; at 30 June 2012 their net profit
after tax on statutory basis increased 11 per cent to $7,090 million and on cash basis, up 4 per cent
to $7,113 million, fully franked final dividend of $1.97 per share, an increase of 5 per cent on the
prior year. The dividend payout ratio (cash basis) was 75%. The Group has $718,229 million in
assets (InvestSMART, 2012). According to the figure above you will see that commonwealth bank
has made more profits if compare with last financial year. So, that's mean they have done the right
thing, used suitable strategies and well management within the organisation.
Commonwealth strategies
Strategic vision
To be the best of the Australian financial services organization with excellent

The Theories of the International Expansion of Bank and...
The Impact of New Zealand banks
New Zealand's banking system has its roots in continental Europe. The first trading bank (the union
bank of Australia) was established in 1840. After 1860, a numbers of other Australian and British
banks followed, three were British overseas banks, two were Australian and one was local.
Therefore the New Zealand banking sector has a long history of foreign ownership
The government began to ease the restrictions of financial institutions from 1975, and the
deregulation of banking was introduced in 1986, the main effect of the deregulation programme was
to remove the legislation that restricts competition within finance sector. Since 1987 there have been
only two categories of financial institution: ... Show more content on Helpwriting.net ...
This clearly falls within the Eclectic theory, which accord with internalization incentives which
encourage a firm to internalize operations for production to replace the need to utilize markets. The
purchase uses some of Westpac's surplus capital, which might fall with the strand of IO theory
(Tripe and Matthews 2003). After mergers, Westpac market share have increase from 10% to 20%
(Tripe and Matthews 2003) and the profit of Westpac in New Zealand is 18% of total profit for
Westpac Group(Westpac Annual Report.2009).Today Westpac is the second largest bank in New
Zealand, whichoffers a whole range of consumer and corporate services to clients throughout New
Zealand. It is the dominant provider of banking services to small to medium business, corporate and
institutional organisations, and is the banker of the New Zealand government .
ANZ
ANZ was established in 1840, Union bank of Australia agreed with the New Zealand Company to
accompany settlers to New Zealand to provide them with banking services. UBA and the Bank of
Australasia merged to become the Australia and New Zealand Banking 1951. In 1979, An Act of
Parliament permitted ANZ to incorporate its branches in New Zealand as ANZ Banking Group
(New Zealand) Ltd. ANZ sold 25% of the shares to the public. In 1985, ANZ moved its headquarter
to Melbourne because of the disadvantage of foreign bank in Australia,

National Australia Bank: One Of The Big Four In The...
National Australia Bank
Introduction
For any person who first moved to Australia, for education, business or any other purposes, one of
their first concerns is always which bank/s are the most trust–worthy. For those who know the
answer to this question, a typical response would be, "any of the big four", which includes the ANZ
Bank, Commonwealth Bank of Australia, Westpac Bank, and the National Australia Bank.
National Australia Bank is often mentioned as one of the "Big four" in the banking industry in
Australia today. It has one of the highest stock values of all banks in Australia at A$31.07 per share
and the company is valued at $72,676,037 as of September 5, 2005 (ASX Quotes, 2005). In the
following pages we will take a look ... Show more content on Helpwriting.net ...
Industry Analysis
There are many forces at work in every sector and every industry of an economy and the dynamic
nature of every industry keeps all the companies operating in each sector on its toes. All of these
factors that are at work could potentially changes the fortunes of a company, in this case, the
National Australia Bank, who operates within the banking industry.
Banking Industry
Australia's banks offer a wide range of financial services to individuals and businesses while playing
an important role in the economy. According to the Australia Bankers Association Inc homepage,
"Banks in Australia value the communities in which they find themselves and are committed to
giving something back to those communities. Every year, community organizations receive millions
of dollars of direct support from banks in various forms. The industry also has a strong tradition of
free education in financial skills and in 2003 embarked on a major new initiative in financial
literacy."
As a major employer in Australia, banks have adopted progressive workplace policies. Staff enjoys
excellent pay and flexible workplaces. Banks are vital to the Australian economy, being the third
largest contributor to the nation's Gross Domestic Product. By also acting as major players in Asia–
Pacific financial markets, banks help promote Australia in international commerce.

Business Ethics : Australian And New Zealand Banking Group
Business Ethics has been increasingly discussed during the last decades among society. This study
expects to introduce the theory of ethics and then evaluate these concepts on an analyses of the
banking industry, specifically the Australian and New Zealand Banking Group (ANZ). The theory
part explains the meaning of ethics, and why corporations should have an ethical behaviour inside
and outside their working environment. It is also pointed out the factors that can influence one's
ethics and the globalisation process involvement with ethics principles. The case study part focus on
values and principles within the banking industry, and canalise the subject into ANZ Case. Values
supported by ANZ banking company are confronted with its true reputation before the media and
society.
Theory
Most people usually think business and ethics are two different concepts that are very hardly inter–
related (Gavai, 2010). It may be explained by the fact that business is an activity which is governed,
basically, by the principle of incomes and outcomes, while ethics, on the other hand, promotes good
moral behaviours. That usually suggests you what one ought to do and what is "right" or "wrong".
This impression is not, however, what we can see in reality. Business activities integrate society and,
as part of it, simple rules of human society, such as ethics and responsibilities are involved. Getting
deeper on the concept, ethics can be seen as a manner to control people's actions, to

The Commonwealth Bank Of Australia
Company Report – Commonwealth Bank
This following report is about the Commonwealth Bank of Australia (CBA). The Commonwealth
Bank is a public business founded in 1911. This company is owned by the Australian government.
The Commonwealth Bank operates within the tertiary business sector.
Business Operations
The Commonwealth Bank of Australia is an Australian multinational bank with businesses across
New Zealand, Fiji, Asia, USA and the United Kingdom. Commonly referred to as the
Commonwealth Bank (or CBA or Commbank), it provides a variety of financial services. Examples
of this are retail, business and institutional banking, funds management, superannuation, insurance,
investment and broking services. The Commonwealth Bank is one of the largest listed companies on
the Australian Stock Exchange as of August 2015 with brands including Bankwest, Colonial First
State Investments Limited, ASB Bank (New Zealand), Commonwealth Securities Limited
(CommSec) and Commonwealth Insurance Limited (CommInsure). This Commbank Group has a
growing international occurrence through:
– Retail banks in New Zealand and Indonesia
– Banking investments in China
– Life insurance operations in New Zealand, Indonesia and a joint project in China
– Banking branches in London, New York, Tokyo, Hong Kong, Shanghai, Beijing, Singapore,
Auckland, Ho Chi Minh City and Mumbai
– Representative offices in Beijing and Hanoi
Today, the Commonwealth Bank have grown into a business with more than 800,000

The Size Of The Shadow Banking
The Size of the Shadow Banking: A Review of the Literature and Measurements in New Zealand
1. What is a "shadow bank"?
The notion of "shadow bank" put forward by economist Paul MaCulley in 2007. Rephrasing
McCulley (2009), shadow banks refer mainly to non–bank financial intermediaries, including
broker–dealers, hedge funds, private equity groups, investment bank, structured investment vehicles
(SIVs), conduits, CDO structures, money market funds, non–bank mortgage lenders and other
similar entities, which engage in maturity transformation, that is raising (mostly borrowing) short–
term funds in the money markets and using them to buy assets with long–run maturities. These
transactions are in the "shadows" because they are not subject to traditional bank regulation. Also,
they cannot–as commercial banks can–borrow in an emergency from the Reserve Bank and do not
insure these funds.
2. Why is shadow banking system important?
Shadow banking is the inevitable creation of economic development. It brings liquidity, flexibility
and credit risk transformation to the financial market. On the other hand, shadow banks can do harm
to economy because of their inherent defects–asset quality, funding fragility and liquidity mismatch
(Adrain & Ashcraft, 2012). In 2008, shadow banks played a massive role in propelling the global
financial crisis, which was "the worst financial crisis since Depression" (IMF, 2008). Since the size
of shadow banking system is related to financial stability, the

The Commonwealth Bank Of Australia
The Commonwealth Bank of Australia was founded by the Commonwealth Bank Act on December
22, 1911, introduced by the Andrew Fisher Labor Government, Which favored bank nationalization.
In a rare move for the time, the bank was to have both savings and general bank business. The
commonwealth bank of Australia is an Australian multinational bank with businesses across New
Zealand, Fiji, Asia, USA and the United Kingdom. Commonly referred to as the commonwealth
bank or commbank, it provides a variety of financial services including retail, business and
institutional banking, funds management, superannuation, insurance, investment and broking
services. The Commonwealth Bank is the largest Australian listed company on the Australian
Securities Exchange as of December 2014 with brands including Bankwest, Colonial First State
Investments Limited, ASB Bank INew Zealand), Commonwealth Securities Limited (CommSec)
and Commonwealth Insurance Limited (CommInsure).
En.m.wikipedia.org
A Reverse mortgage is a home loan that provides cash payments based on home equity.
Homeowners normally defer payment of the loan until they die, sell or move out of the home. Upon
the death of homeowners, their heirs either give up ownership to the home or must refinance the
home to purchase the title from the reverse mortgage company. Specific rules for reverse mortgage
transactions vary depending on the laws of the jurisdiction.
Reverse mortgages are available in Australia. However, there is little

Essay International Marketing Entry Strategy- Westp
Westpac B a n k i n g Corporation
International Marketing Entry Strategy
Report prepared by: Jean Diaz
Due date: 09/06/2011
La Trobe University– Bendigo
Semester 2
Table of Contents
Executive summary Introduction Company and product background
Provide an analysis of the business and product performance Company objectives and corporate
strategies What is the product and needs does it satisfy?
1 2 3 3 4 6 7 7 10 12 14 15 16 17 18 19 20 21
Country and product market attractiveness
Politico–legal, socio–cultural and demographic, economic, technological Product market analysis
Competitive analysis
Buyer Analysis Opportunity statement Marketing ... Show more content on Helpwriting.net ...
Once again TOWER has continued its aggressive growth with total life insurance premium inflows
for the year ending September up 40.7% to $1.1 billion. Other life insurance companies that
achieved significant positive growth were AMP (20.3%), AIA (18.2%), OnePath (12.0%), National
Australia / MLC (11.4%) and BT / Westpac (10.2%). CommInsure continues to suffer falling
premium inflows, with a 7% drop for the 12 months ending September to $1.14 billion. 1 Major
players and insurance market share Companies name MLC Life Insurance CommInsure Life
Insurance OnePath Life Insurance Tower Life Insurance AIA Life Insurance AMP Life Insurance
AXA Life Insurance . Asteron Life Insurance BT / Westpac Life Insurance MetLife Life Insurance
Market share 15.3% 12.5% 12.3% 12 % 8.8% 8.8% 7.6% 7.4% 4.9% 2.8%

Source: "Media Release Life Insurance Industry Results – September 2010, Plan For Life Pty Ltd"
1
http://www.ratedetective.com.au/insurance/life–insurance–premium–inﬂows–year–ended–
september–2010.htm 3
Westpac Banking Corporation entry strategy
Company objectives and corporate strategies
Company overview Westpac Banking Corporation –Westpac– began trading on 8 April, 1817 as the
Bank of New South Wales with a single ofﬁce in Macquarie Place, Sydney. In 1982, with the merger
of the Commercial Bank of Australia, it changed its name to Westpac

Australia and Oceania.
Main economic–geographical regions of the world. A complex set of social, economic, cultural,
political criteria is usually used to classify the geographical regions. The regions are distinct in terms
of size, population, development, potential of growth. Some are representative for the recent
industrialization (south East Asia), others for economic and human backwardness (sub–Saharan
Africa), others for economic supremacy and political hegemony (North America) or others for
profound and radical transformations in the recent years (Eastern Europe and former Soviet Union).
Due to the macro–scale of analysis, the most important criterion is general functionally; the
uniqueness and homogeneity come second. The typology of main regions of the ... Show more
On 1 January 1901, the six colonies became a Federation, and the Commonwealth of Australia was
formed. Since federation, Australia has maintained a stable liberal democratic political system and
remains a Commonwealth Realm. The capital city is Canberra, located in the Australian Capital
Territory. The current national population is around 20.6 million people, and is concentrated mainly
in the large coastal cities of Sydney, Melbourne, Brisbane, Perth, and Adelaide. Demographics.
Australia. Most of the estimated 20.6 million Australians are descended from nineteenth– and
twentieth–century settlers, the majority from Great Britain and Ireland. Australia's population has
quadrupled since the end of World War I, spurred by an ambitious immigration program. In 2001,
the five largest groups of the 23.1% of Australians who were born overseas were from the United
Kingdom, New Zealand, Italy, Vietnam and China. Following the abolition of the White Australia
policy in 1973, numerous government initiatives have been established to encourage and promote
racial harmony based on a policy of multiculturalism. The indigenous population — mainland
Aborigines and Torres Strait Islanders — was 410,003 (2.2% of the total population) in 2001, a
significant increase from the 1976 census, which showed an indigenous population of 115,953.
Indigenous Australians have higher

Marketing Plan for Bank of Melbourne
M K T G 1 0 0 0 1 – P r i n c i p l e s o f M a r k e t i n g
P a g e 1
Bank of Melbourne Marketing Plan for Victoria Alison Chew, Vicky Bui, Sunny Sun, Yikai Zhang
2012
M K T G 1 0 0 0 1 – P r i n c i p l e s o f M a r k e t i n g ... Show more content on Helpwriting.net ...
P a g e 4
Introduction In order to break into the banking industry and establish ourselves as the regional bank
of Victoria, we are going to enter the market in its currently

Comparison And Strategies Of NAB And ANZ
Company strategy is management plan of how to best use of company resources to achieve the
business goals successfully, includes what products and services provided that can attract and
sustain customers, how the company positioning in the industry environment, how to develop and
increase their sustainable competitive advantage, continuous improvements of processes in different
functional such as R&D, marketing, systems and operations, and how to deliver the superior value
to customers.
It is important to implement the right and winning strategies fit into the company's internal and
external situations which can enhance the organization performance, build sustainable competitive
advantage and uplifting company's productivity.
This study aim ... Show more content on Helpwriting.net ...
NAB, market segment strategies are different that ANZ, NAB are more focus on domestic markets
in Australia and New Zealand, as their strategy is built around delivering a great customer
experience, with a vision of being Australia and New Zealand's most respected bank. In additional,
NAB's organisational structure focus in Business banking, personal Banking but underweight retail
bank while ANZ was focus in all different function that includes retail bank and mass affluent. ANZ
has an ambition to become a super regional bank that providing the scale and quality of a global
business to customers in core markets of Australia, New Zealand, Asia and Pacific. ANZ are more
focus on global markets outside Australia and New Zealand, ANZ has recently expanded their
business in Asia since 1969 to establishes representative office in Japan.
ANZ business in Asia was mature than NAB such as with more branches and also provided online
banking and ATM services to the client which more convenience to the

National Storage And Information Regarding Its History,...
Executive Summary
This is a detailed report on the National Storage REIT, with key information regarding its history,
location, property types and assets. By utilising tables and figures, it presents key information
regarding the REITs major occurrences in the past year. Currently standing as the third highest
major competitor in the storage industry, the pathways the National Storage REIT follows to achieve
their strategy and goals are listed including the current financial standings of the company.
Introduction: National Storage REIT
National Storage was formed in December 2000 after Stowage Self Storage, National Mini Storage
ad Premier Self Storage made the decision form a union. With a combined experience of over 30
years and ... Show more content on Helpwriting.net ...
In order to achieve this vision, NSR places their focus on:
Asset Management which seeks out new portfolio opportunities while focusing on growth and
portfolio revenue
Acquisitions which concentrates on new properties to broaden the portfolio
Portfolio, Development and Centre Management which is mostly managing third part centres
Capital Management which is sustaining an effective capital structure
The above focus points are prioritised by NSR for the maximum benefit of their investors and are
shown in the figure below (NSR 2015b)
Figure 1: NSR Strategy Points Source: NSR 2015a
Management
NSR not only has units in the National Storage Property Trust, but also shares in National Storage
Holdings Limited, making it a stapled entity with an internal management structure (NSR 2015b).
The current share price is $1.48 and their market capitalisation is $489.9M ( ASX Limited, 2015).
Figure 2: NSR Management Structure
Source: NSR 2013
Figure 2 shows the management structure of the NSR, with National Storage Holdings Limited and
National Storage Property Tryst being stapled. The National Storage REIT's key investment and
management structures is regulated by the internal board and management team of National Storage
Holdings Limited, while the National Storage Property Trust is

Evaluation Of The Current Liquidity Management Essay
Executive Summary
This report provides analysis of the current liquidity management in banks. Methods of evaluation
include peer, trend and horizontal analysis such as ratios, principle and regulations. In the first part,
we analyze the differences between liability liquidity management and asset liquidity management
and explore the features an effective liquidity management system should possess. Then we
compare liquidity ratios of four banks in Australia to examine their performance on liquidity
management according to line charts. Finally, Liquidity Coverage Ratio and Net Stable Funding
ratio are introduced, how they improve mutually.
Management of liquidity risk
The financial institutions have obligations to fulfill depositors' requirement of withdrawing deposits.
In addition, they need sufficient funds to invest projects and issue loans to make profit, which
maintains a normal operation. Trade off exists between liquidity risk and profit. The ideal position is
to earn high profit while minimum risks. As a result, liquidity management is important for the
financial institutions to avoid risks of default.
Cash is the core in the operation of banks. However, the retained earnings and capital can be
difficult to meet day–to–day expenses and the demand of cash from depositors. If the banks cannot
raise additional funds or convert asset into cash immediately to meet their obligations, it can lead to
losses or default. (Topaloglou, 2015) This probability of loss is called

Bloomberg Assessment: Sample Test Questions
BLOOMBERG ASSESSMENT (BAT) SAMPLE TEST QUESTIONS I. Economics You have just
been transferred to Sydney and cover Australia and New Zealand on the sovereign research desk.
Australia and New Zealand operate under a free trade agreement. No barriers to trade exist, and both
currencies float. In this environment, an increase in expected inflation in New Zealand would most
likely cause what effect? Choose One Answer o o o  An increase in exports from New Zealand to
Australia An increase in imports to New Zealand from Australia An increase in the New Zealand
Dollar versus the Australian Dollar A decline in the New Zealand Dollar versus the Australian
Dollar II. Financial Statements Analysis Pinnacle Entertainment is a gaming ... Show more content
on Helpwriting.net ...
"The real currency war is actually between Chimerica –– China plus America –– and the rest of the
world," Ferguson said in an interview at the World Knowledge Forum in Seoul. "It would be much
better to have some kind of Plaza–like international agreement and I very much hope that at the G–
20 summit in Seoul next month this will be No.1 on the agenda." The Plaza Agreement reached in
1985 prompted a decline in the U.S. dollar against its Japanese and German counterparts. Brazilian
Finance Minister Guido Mantega said last month that a "currency war" was under way, in which
economies are weakening currencies to support exports. At an International Monetary Fund meeting
this month in Washington, finance chiefs failed to narrow differences over currencies, with China
accused of undervaluing the yuan and low U.S. interest rates criticized for flooding emerging
markets with cash. "Currency appreciation is necessary," Ferguson said in the interview late
yesterday. "If you insist on building up a vast horde of dollar–denominated reserves you will create
distortions in the world economy that will ultimately come back and bite you." China doesn't need a
dollar peg, because its workers

Anz : Australian Based Banks
ANZ is one of four major Australian–based banks and is the largest bank and company in New
Zealand. Headquartered in Melbourne, ANZ traces its origins to the Bank of Australasia, which
opened its first office in Sydney in 1835. The bank established a Melbourne office in 1838, where
ANZ 's world headquarters is located today Melbourne. ANZ is a publicly listed company, and was
incorporated on 14 July 1977 in Australia (Key Facts ANZ, 2016). ANZ is one of the five largest
and most successful listed companies in Australia, and is the number one bank in New Zealand.
ANZ have assets of AU$772.1 billion (as at 30 September 2014). ANZ operate in more than 32
countries across Australia, New Zealand, the Pacific, Europe, Dubai, USA and Asia ... Show more
(Wainwright, 2014)
Customers' demand banks to tailor their products and services to meet their needs and to support
them in managing their finances in the future including those facing financial difficulty, small
business and individuals planning for retirement. Customers demand for an uncomplicated, safe,
secure, reliable and convenient banking experience. They ask for 'round the clock' access to a
service assistant, for making any enquiry. The Banking on Australia program is responding to the
changing needs of customers, providing them with easy access to all of ANZ's expertise and insights
and giving customers a faster and simpler way to bank with us, when and where it suits them (ANZ,
2016).
ANZ aims to become a super–regional bank. This involves growing presence in the Asia Pacific
region and source 25–30% of earnings from their Asia Pacific Europe and America Division by
2017, while also being very focused on growth in the core domestic businesses in Australia and New
Zealand. ANZ has an exciting ambition to become a super–regional bank – providing the scale and
quality of a global business to customers in our core markets of Australia, New Zealand, Asia and
the Pacific.
ANZ is a market – oriented company which watches both its customers and competitors.
ANZ is committed to providing its customers with banking that is simple to understand and
delivered in a

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