Retail Business Analysis

Retail Business Analysis
Retail Business Analysis
BUS620: Managerial Marketing
Prof. Adebowale Onatolu
October 31, 2011
Retail Business Analysis "Payless ShoeSource, Inc. is the largest footwear retailer in the United
States. Payless has built its success by offering a large selection of shoes at very low prices, most
selling for less than $15 as of 2004" (fundinguniverse.com, N/D, para. 3). Payless ShoesSource has
implemented generic and segmentation marketing strategies in order to market their products
successfully. This paper will analyze how the company has implemented these strategies and will
discuss how these assessed strategies could be improved to impact the successful marketing of the
product.
Generic Marketing Strategies According to ... Show more content on Helpwriting.net ...
Finally, marketers also segment the population by determining the way consumers behave, or
psychographic characteristics. The characteristics of this segmentation strategy are "based on
consumer needs; on product usage patterns; on more general behavioral patterns, including lifestyle,
which often cuts across demographic categories or varies within them; and, in organizational
markets, on the structure of firms' purchasing activities and the types of buying situations they
encounter" (Mullins & Walker, 2010, p. 186).
Payless ShoeSource's Segmentation Strategy Payless ShoeSource focuses their segmentation
business strategy on the demographics of their consumers. "Payless ShoeSource targets as its main
customers women from 18 to 44 years of age with household incomes of less than $75,000, and it
estimates that in any given year, 40 percent of the women in this target group buy at least one pair of
footwear at a Payless store" (fundinguniverse.com, N/D, para. 3). Payless also acquired Stride Rite
in 2007, taking on the children's demographic. "With this acquisition Payless is hoping to attract
another breed of customers – those willing to pay a little more for their footwear – as some of its
children 's shoes, for example, cost around $50 per pair" (Moon, 2007, para. 3).
Improvements to Impact Successful Marketing of Payless Products First, Payless ShoeSources's
generic marketing strategy could be improved by differentiating their products
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A Research Report On Agl Energy Retail Business
Introduction: AGL is one of the Australia 's leading integrated energy companies since 1837 and
largest ASX listed owner, operator and developer of renewable energy generation in the country
Australia. AGL energy base, peaking and intermediate generation plants, spread across traditional
thermal generation as well as renewable sources including hydro, wind, landfill gas, solar and
biomass effectively and efficiently. They have large amount of employees around 2805 within more
than 50 groups of companies. The AGL Retail team is responsible for the marketing and sale of
natural gas, electricity and energy related products and services to approximately 3.8 million
residential, small business and commercial customers. To run these business they are using a wide
ranges of technology like wireless technology, Web application, cloud computing, mobile
technology, ECRM, GPS and so on. We are motivated to make a research report of AGL energy
Retail Business support emerging technology by which how they able to achieve Competitive
advantage, Return on investment (ROI), Customer convenience, Demand from suppliers and/or
customers, Streamlining of operations. Among of all the technology we have selected two (2)
technologies like cloud computing and ECRM in our research. With the prospective we have tried to
figure out that, how these technologies are being used and Demonstrated for their business purposes,
and also impact of these technologies, their organizational advantages as well as

Kohl 's Corporation, A Large Retail Business
Kohl's Corporation is a large retail business that sells a wide variety of household and clothing
products. During this class we have been asked to choose a public company and analyze the
financial standing of chosen company. This learner chose Kohl's Corporation. For one reason, it so
happens to be one of her favorite stores and for another because they continue to show that they are
profitable year after year. Although they have low cash reserves, they have still managed to be
profitable, and operate efficiently allowing them to stay in business for over 50 years. Kohl's History
A bit of history on the corporation's beginnings; a man named Max Kohl started the first Kohl's
Department store in 1962 in Milwaukee, Wisconsin. He began ... Show more content on
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By 1992 sales increased from $388 million to $1 billion and within the same year the company went
public. By 2000, Kohl's operated 298 stores in 25 states with 43,000 associates. Current data shows
that Kohl's now has 1167 stores in 49 US states (Our History, n.d.). Kohl's sells a wide variety of
household and clothing products. They sell such things as coffee makers, cookware and other
kitchen accessories. They have patio furniture, home décor, candles, picture frames and wall art.
They have clothing for men, women and children along with shoes for the entire family. They offer
their customers the convenience of shopping online and picking up their merchandise at their local
store to save on shipping costs (Our History, n.d.). Kohl's biggest competitors are J.C. Penney and
Target. They sell very similar merchandise and they both fall around the middle of the scale of retail
department stores. Kohl's believes in giving back to the communities they serve, and not just with
money and resources but also with talent and time. They have a community giving and volunteer
program that supports kids' health and education, environmental initiatives and women's health.
They have a vision where the future is full of healthy children, resources are plentiful and breast
cancer is thing of the past (Our History, n.d.). Kohl's target marketing strategy focuses on middle–
class women ages 25–45 who shops for

Jb Hi-Fi
Innovative Sustainable Store Design Proposal 1. Introduction In today's dynamic and competitive
world many retailers have initiated to develop their stores as a brand, therefore creativity and
sustainability can be important organizational resource and a desirable approach to differentiate
from other competitors. The ―store as brand‖ and retail branding is emerging as one of the most
important strategic initiatives in the modern retail industry specially in United States and Europe
(Carpenter et al, 2005, pp.43–53). Better customers experience has become center of attention for
the retailers, which have made retailers to focus on the store design and improving the retail
environment. Consumers' perceptions of store image and shopping ... Show more content on
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Retailers should spend a great deal of time and money on store environments to create images that
offer them a competitive advantage in a crowded marketplace (Joyce & Lambert, 1996 , pp.24–33).
Thus, store needs to improve in this area so that it can give better environment and experience to the
customers in order to differentiate from the competitors. As per Kerfoot et al (2003, pp.14352) as
furniture being a part of visual merchandising, an attractive furniture has positive affect on
customer's psychology or behavior, which ultimately leads to purchase. By evaluating the Retail
Branding and Innovation Page 2 Innovative Sustainable Store Design Proposal present situation
and the possible sustainable options, an innovative store design is developed by designing display
shelves, fixtures and the store interior made up of stainless steel, glass and using sustainably grown
solid wood or plywood covered all surfaces and edges with laminates or seal them with low emitting
paint or varnish to reduce emissions of VOC, which are more attractive and sustainable then present
wooden furniture. To give an idea how store interior will look a picture is placed in the appendix–
A/VI (Pg.16). Sustainability features are given in appendix–A/II (Pg.12). 2.1.3 Experience Zone The
proposed store design plan includes ―experience zones,‖ which are models of rooms (family room,
home

Marketing, Merchandising, And Marketing Essay
Retail does not only mean retail store operations; it means creating a commercially viable product,
putting it on the shelf and selling it and everythi ng in between – from design to merchandising,
marketing, visual merchandising, retail planning, store interior projects – the entire scale and each
role as exciting as other.
From an analytical standpoint the business of retailing may be divided into a number of functions. In
unorganized retailing all the following tasks are necessary:
 Merchandising :
Viewed chronologically the first function is merchandising. This term has been given a variety of
meaning; it is here used to describe the whole group of decisions and tasks involved in determining
what merchandise is to be offered, pricing it, and acquiring it. Where a business sells more than one
items the retailers are at once faced with several problems. They need to know what and how much
to buy, they, must decide how to share out their strictly limited money between the various sections
or divisions of their business and then in finer detail, how much of each individual item to buy.
Then, when the allocation of money is worked out, the goods much be brought; this entails
interviewing travelers, studying catalogues and so on. However, well a shop is run, some items will
fail to sell and someone must decide whether to reduce the price of these goods and, if so, by how
much. These are merchandising problems, and in a large store will be dealt with by the

Case Study : Entrepreneurial Retail Business
Entrepreneurial Retail Business Summary This case explains a prompt of a local, successful car
dealership, in which I will be the general manager and partner of. This Ford dealership has net worth
of $1,800,000. And at the weekly meeting with the business' sales force, I find out that we are on
track for another successful year, by being ahead of our sales quota. Things could not be going any
better for this business. We will be exceeding the goal of $8.5 million in sales. The expected expense
of cost of goods sold are only 88 percent of sales, and the fixed operating costs to be held at $30,000
a month. The variable costs are expected to average about 5 percent of sales. Even with these costs,
the business' profits are expected to be close to a quarter of a million dollars before taxes. Just when
things couldn't get any better the other partner of the dealership gives you a call and asked if you
have heard the news. In order to reduce the local property taxes (and help keep voters happy), a
council member has suggested that the city increase its sales tax by one percent. This would cover
anything sold in the city, including automobiles. Even though you would hate to pay this extra tax,
this isn't the worst of your problems. Just last year, a few other car dealerships had moved into the
area. They represent most of the major domestic and foreign car manufacturers. The competitors are
positioned in the suburbs of the city, and they have created a "car mall" where

Understanding Of Mpm And Measuring Improvement Essay
RESEARCH PROPOSAL Study objective: Understanding of MPM and measuring improvement in
store sales . INTRODUCTION Retail enterprise is a kind of commercial enterprise with high level
of competition. The success of retail business depends on how fast can a retailer recognize consumer
behavior and buying pattern. Retail business must focus on the factor affecting consumer buying
pattern and elements that shifts customers buying decision. Store atmospheric attributes (which
include shade, lighting fixtures, income personnel, music and so on) shape the general context
within which shoppers make decisions of store selection and patronage. Many of the previous
research on retail environment suggests that such attributes affect the image of the store. Retailers
comprehend the significance of such attributes and systematically attempt to avail of an atmosphere,
inclusive of suitable colors, music and so on that will attract their target customers. Further,
purchase decision–making has emerge as complicated task due to the inseparability of product and
services offered in retail outlets. Retail store floor planning is a complicated task. The essential
objective is to maximize sales with customer satisfaction and minimize overall prices. Many factors
affect the store floor planning, like the arrival pattern of clients, design of the building, required
service level, merchandise mix, adjacency requirements and lot more. Store layout can have an
effect on client's perceptions of a

Matalan Retail Vision: The Ideal Site For A Business
Our Matalan Retail Vision is a dynamic love team which is the definition of working together as a
customer's service or sale representative gives us the ability and courage to be open with pressure
customer and working under pressure without worrying about anything at all, of retail experts lead
by retail our customers are Drawing the best of the best in UK retailing together also our Retail
Vision which offers its global retail and supply chain customers in–depth knowledge, straight–
talking strategy and the vision to increase sales, profits and customer satisfaction, lovely customer
service isn't just confining to what is happening on the shop floor, firstly that begins with the
location, format, and layout of your store. If your store is ... Show more content on Helpwriting.net
...
How does your customer move and walk around the store and decide which product to purchase,
which items to buy, what is suitable for him, is everything he /she wants are in the shop floor, if not,
are there in the stock room, are your customer service providing better service, are they making
customers happy , is it easy to approach your customers, this is all consumers think in their head
while they are moving to your shop floor, they ask themselves a lot of questions, mostly customers
never been satisfied when they have want they need or want so that is also the reasons why we never
been satisfying by providing better service , our customer service will always be there for customer
rather you are a new customer or old, we never take anything for granting, we love what we do and
we will not stop providing better service and increasingly show the ability for our service, in 2014
we won the best customer's service award in the United Kingdom , but our General Manager are
doing the best they can do that we can be the heart of UK and Europe Retail

The Goals And Philosophy Of Art
Goals and Philosophy:
Visual Merchandisers have many employment options available in many different sectors. I believe
that displays are all encompassing. It is the little details that culminate a theme or feel that makes
customers want to shop at a particular store and have a certain type of experience depending on who
they are. It is all about making an environment whether a store, a party, a home, etc. as inviting and
welcoming as possible. I strongly believe that there is so much inspiration out there that can be used
to create compelling store displays that provoke consumers to shop and help maximize a store's
profits. This is an interesting field where not only are artistic skills necessary, but also the ability to
merchandise the sales floor and make every visual aspect of a store experience enjoyable.
My art is inspired by popular culture, the work of other artists in similar fields, and the work of
surrealist artists. The prospect of being able to have a job that comprises of creativity and a unique
perspective motivates me to pursue a career in art and design. I want to be able to have a job that I
feel is rewarding and where each day is somewhat different from the next which is possible with
visual merchandising because retail is always changing visually to keep up with trends and seasons.
In the short term I hope to get a visual merchandising internship or job where I can get more
experience and use my skills that I have learned, in the retail environment. In

Literature Review: Layout And Ambiance Of A Department Store
2. LITERATURE REVIEW 2.1 Layout and ambiance of a department store.
The visual appearance of the store frontage, window displays, and overall outlook facilitate the
consumers to form rapid impressions about a store. It is a method and technique which allows them
to determine whether they would want to enter a store or not. A customer's analysis is clearly the
deciding factor for their actions. After all, they can walk pass the store, in case they are not
impressed with the way merchandises which are displayed in the window front. If the first step isn't
cleared then the second step is to unlikely proceed. This clearly means that a customer won't make
any purchases. (Edwards and Shackley 1992; Pinto and Leonidas 1994; Cornelius et al., 2010 ...
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It has high–ended brands greeting you from its window; clearly stating that it offers expensive
designers targeting big money for each product. All of these factors also play an important role in
helping a customer/passerby realize that this is not an ordinary shopping mall where one can't step
in as a bargain–hunger. Even the restaurants and theater are designed very lavishly (Gibson 2015).A
consumers uses the window displays to their advantage in order to gain knowledge about the brands
that a store has to offer and the styles of outfits displayed on a mannequin. They can further gain an
idea about the pricing and quality. Judging a product through its look is simply a way of attaining
some vague idea of what the quality may be like. These elements help minimize the consumers
effort. Their search is simplified; eventually it can save up a lot of their time (Payne et al. 1992; Sen
et al. 2002).Creativity plays an important role in window dressing. It is the image of the store. A
display should be designed like a magnet in order to be able to attract its customers, rather than
looking like a piece of art. It should be designed in the best way possible within the budget fixed. It
should be worth its price and efforts. Most importantly it should play an important role in marketing
(Fiber2fashion,

Security Breach Of Banking Industry And Retail Business
Security Breach in Banking Industry and Retail Business
Financial technologies play a significant role in modern banking system. Most of us are familiar
with internet banking and mobile banking. These technologies allow us to access our accounts,
transfer funds, pay for our purchases, and even apply for a loan without leaving a house or an office.
In addition, most of us prefer to pay for our purchases with a quick swipe of a credit or a debit card.
No doubt, it is more convenient than caring and counting cash every time we go to a store. But,
unfortunately all these technologies come at a cost. Time to time, we hear news about another
security breach in the banking system or retail business, when customers' personal information is ...
For example, in April of 2013, "Bank of America sent out alerts saying they disabled several area
cards out of fear that account information may have gotten into the wrong hands" ("Bank of
America Alerts Customers of Security Breach." CBS St Louis). The spokesman for the bank said:
"We have not heard of anything specific, but I can tell you that we, along with other banks,
periodically receive alerts from the payment networks about cards that may have been compromised
at a third–party location"( "Bank of America Alerts Customers of Security Breach." CBS St Louis).
In May of this year, several residents of Lawrence County in Missouri reported "that their
Commerce Bank debit cards had been compromised following a security breach over the weekend.
Carl Bradbury, director of consumer card product for Commerce Bank, said that about 1,500
customers in various states were affected by a "merchant's" security breach" (Doombos, Caitlin.
"Lawrence Residents Report Commerce Bank Debit Cards Compromised in Security Breach."
LJWorld.com.). Bradbury also added, that "security breaches in the banking industry are not rare.
He noted about '60 to 80 breaches are going on' at any given time" (Doombos, Caitlin. "Lawrence
Residents Report Commerce Bank Debit Cards Compromised in Security Breach." LJWorld.com).
In almost 80 percent of cases, banks notify customers of

Visual Merchandising in Line with Apparel, Book and Shoe...
Index Preface Acknowledgements Index Visual merchandising: Overview Indian Scenario Current
scenario/Components Lifestyle Store Crossword Store ShoeMart Store Visual Merchandising:
Observation Study Recommendation Visual Merchandising: Overview Visual Merchandising (VM)
is the art of presentation, which puts the merchandise in focus and in perspective too. It educates the
customers, creates desire and finally augments the selling process. This is a nascent stage for the
Indian retail industry; therefore a professional program on Visual Merchandising will go a long way
in ... Show more content on Helpwriting.net ...
In a world where we can find identical merchandise in more than one store, layout and presentation
become key differentiating factors. Create Your Store for Your Target Customer You can have the
most unique, creative and different store on the planet, but if doesn 't conform to what your
customers want and expect, then it is of no value. Retail has always been, and will always be, about
the consumer. Your entire store concept must be built around your target customer. Succeed at
satisfying this shopper and you win the game. Build and design a store that looks beautiful but doesn
't fit the marketplace and the only people who will be happy are the architect and contractors. Take a
Strategic Approach Unfortunately, the days of running a traditional "Ma and Pa" operation, lacking
any real business sophistication, are long gone. A haphazard approach to store layout generates less
than desired results. You must squeeze every ounce of potential out of your store to make it a
winner. How you present your store is a very strategic part of your business. In order to position
every item in its proper location, you must have a far more detailed plan than the usual "It was the
only place left available, so that 's where it ended up!" Give your best–selling merchandise the most
favourable display areas in your store. There 's no point in making the job of selling products any
more

Planning Your Own Entrepreneurial Retail Business
Planning Your Own Entrepreneurial Retail Business It is very important for managers of retail stores
to have general knowledge on all aspects of the business. Some examples are knowing their
customers, trends in market, accounting, information systems, and so on. One important skill is the
ability to make goals and planning a strategy to reach them. There are many types of goals that go
into running a successful business, like financial goals. Retailers make many financial goals for their
business that can arguably be placed in one of the two following categories: profitability and
productivity. Productivity goals can be defined as how much output a retailer gets out from their
resource input. A few examples are: Space, Labor, and Merchandise productivity.
Space productivity – Net sales divided by the total square feet of retail floor space. This shows how
many dollars are generated for each square foot of store space.
Labor productivity – Net sales divided by the number of full time–equivalent employees. This
shows how many dollars in sales is made by each full–time employee.
Merchandise productivity – Net sales divided by the average dollar investment in inventory. This is
also known as sales–to–stock ratio. This shows the money made by each invested dollar in
inventory.
Profitability goals can be shown through different profit–based ratios. Another great skill for
managers to have is to be able to utilize the profit–based ratios to show a business' success

Barriers to Entry and Various Risks That Must Be...
Barriers to entry and various risks that must be considered by foreign retail companies seeking to
conduct business in China
By Aizhan Yermekbayeva
"Let China sleep, for when she awakes, she will shake the world"
(Napoleon Bonaparte)
Most politicians, businessmen and academics would agree with the quote above. It is becoming
more and more evident that "China is now slowly waking up". And a market of over 1.5 bn potential
consumers is perceived by most multinational enterprises (MNCs) as an opportunity hard to miss.
Businessmen and even renowned academics make various recommendations on approaching
Chinese market.
This article will provide a critical analysis on how to develop businesses in China successfully and
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However there are additional threats and limitations that might affect foreign businesses, particularly
retailers. Especially, taking into consideration a significant role that local government plays in the
Chinese market.
The growing concern for retailers is that the Chinese government is discussing adopting
protectionist regulations in the retail industry. New regulations are showing signs already as the
local government has selected a group of local retailers and is giving them financial support. It is the
first stage of formation of the "national champions" – local retail companies which are expected to
become the leaders of the retail industry. There are many reason why the Chinese government is
compelled to undertake these actions such as the retail industry is expanding at a fast rate and from
the local population's perspective the key industry players that benefit from it the most are foreign
companies. This viewpoint pressurises the government to protect the local retail chains, which are
not able to compete against international retail giants because of the insufficient financial resources.
Therefore these regulations are expected to favour domestic retailers in allocation of strategic
locations and have been highly welcomed by national retailers. Under these circumstances it is of
utmost importance for foreign retailers to re–assess their future strategies. As it was mentioned
before the

Competitive Advantage for Scotiabank in the Caribbean
The company that I am studying is Scotiabank. Founded in Halifax, Nova Scotia and based in
Toronto, Scotiabank is one of the leading retail banks in the Caribbean, with over 200 branches in
20 countries and territories throughout the region. The bank provides retail banking services,
primarily taking deposits and then relending that money through home mortgages, personal loans
and small business loans.
In recent years, economic conditions in the Caribbean have been weak. Scotiabank, in its annual
report notes that ongoing weakness in the Caribbean has reduced lending and increased the
allowance for impaired loans in the region. Demand for borrowing is typically based on the health
of the economy and the prevailing rates. A significant amount of borrowing, according to the bank's
2011 Annual Report, is for the hospitality industry, and in that there has been a slump in recent years
as tourism from North America has declined. The size of the bank's residential mortgage portfolio in
the Caribbean has been increasing, however. The supply conditions also bear some relation to the
health of the economy, because savings rates are a critical variable that fluctuate with the state of the
economy.
There is a significant amount of price elasticity of demand for lending products. Borrowers prefer to
borrow when interest rates are low, because that lowers the cost of the project. In middle income
regions like the Caribbean, borrowers can be particularly price sensitive. In

Business Information Systems Of The Drugstore Retail Industry
The Drugstore retail industry is a $31.4 Billion industry across Canada and continues to grow
steadily (Industry Canada, 2015). There are many competitors in the drugstore retail market in
Canada both small and large. With the entrance of large American companies such as Walmart and
even their very own parent company Loblaw's, Shoppers has been forced to be at the top of their
game to stay ahead in the drug retail market. The implementation of a produce section in select
locations across Canada is one of the many ways that shoppers has been adapting to this competitive
industry. Due to this adaptation, the company has opened itself to a whole new group of competitors
from convenience store to grocery stores. Shoppers Drug Mart tackles this competition by
differentiating itself in the market by offering "prestige products" (Kwon, N. 2013) and convenience
that competitors do not offer. (Our Company, 2015)
Business Information Systems
In class we have learned about various business information systems that aid in organizations
experiencing more time and cost efficient solutions to internal and external challenges. At Shoppers
Drug Mart, multiple business information systems are utilised to maximize profit and productivity.
A transaction processing system is used at the point of sale to maintain a record of every transaction,
including refunds and voids. The system records if the transaction was paid for in cash, debit, credit,
or a gift card and possesses other features as

Tesco Retail Business Analysis
Tesco Retail Business Analysis Tesco is one of the largest food retailers in the world, operating
around 2,318 stores and employing over 326,000 people. As well as operating in the UK, it has
stores in the rest of Europe and Asia. It also provides online services through its subsidiary,
Tesco.com. The UK is the company 's largest market operating under four banners: Extra,
Superstore, Metro and Express. Tesco sells approximately 40,000 food products in its superstores, as
well as clothing and other non–food lines. The company 's own–label products are at three levels,
value, normal and finest. Own brand accounts for approximately 50% of sales. As well as
convenience produce, many stores have gas stations. The company has become one of ... Show more
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As it stands there is only one postcode in the UK – in Harrogate in North Yorkshire – which does
not have a Tesco. MAJOR PRODUCTS AND SERVICES: Tesco is the largest food retailer in UK,
operating around 2,318 stores worldwide. Its Products and services include: ENVIORMENTAL
ANALYSIS What Is an Environmental Analysis? Environmental analysis is relatively qualitative
and involves the identification of and analysis of environmental variables, which affect the business.
Definition: Environmental Analysis Environmental analysis for a business looks at the factors
inherent in a business 's environment that may have some impact thereof. This type of analysis is
relatively qualitative and involves the identifying, scanning, analyzing and forecasting of the
environmental variables. Some frameworks of environmental analysis have received large amounts
of attention in the world of business management literature, such as SWOT analysis and PESTEL
analysis. Why Environmental Analysis? Environmental analysis will help you understand what is
happening both inside and outside your organization and to increase the probability that the
organizational strategies you develop will appropriately reflect your organizational environment.
Three Levels of Organizational Environment In order to perform an environmental analysis, you
must thoroughly understand how organizational environments are structured.

The Communication of Window Displays
The Communication of Window Display Armani Exchange
Word count: 1240
'Windows reveal the soul of the store' (Portas, 1999: 41). Every store has its own concept that
characterizes each display, varying from theatre, drama or in the case of Armani Exchange
minimalism. Well–dressed windows are undoubtedly, a dynamic form of advertising for products
reflecting the stores' brand image. This essay seeks to evaluate how A|X Armani Exchange's window
displays communicate to spectators with the use of various resources. Armani Exchange is one of
the sub–brands under the parental brand of Giorgio Armani. The use of colour, lighting, props and
graphics can capture interest, indicating the foundation of any decent display whose aim is ... Show
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However silver and gold details on the garments complement the black shades, making the pieces
more youthful. A downside of open windows is that high–priced items showcased can be tampered
if somebody wishes to feel the fabric, so they are trickier to dress. Besides that another negative
aspect is that windows are not as creative since there are fewer props. Hence there is no story to tell.
Silhouettes are simple yet authoritative and influential.
Effective windows can 'seduce' (Portas, 2007: 54) you to purchase something you did not intend to.
Buying even a small item, one satisfies a need, a want to feel more contented and self–confident.
Also, what you wear is what defines you, reflecting your personality– as implied by Berger (1972).
Windows can sway someone into investing in a garment that will make them enviable and
glamorous at the same time. 'The power to spent money is the power to live' (Berger, 1972: 143),
implying that each person interprets the world differently– the same applies in window displays.
Armani Exchange has a very clean approach of "less is more" by not overloading its windows
together with being "strong and simple" emphasizing the brand's power (http://ezinearticles.com,
2010). Furthermore, by following the "fresh is best" principle in accordance with Berger (1972),
they renew their displays every week thus regular customers find new stock in every visit. Still
though, A|X receives deliveries every 3–4 days so that monotony is avoided. For

The Privatization Of HBL
This symbol of HBL contains Bismillahat top,
Swordunder Bismillah
And then lion under sword
.This symbol depicts:
Bismillah ........ Islamic values and culture Sword......power Lion........ Strength HBL ........brand
name
THE POWER TO LEAD .......logo
Privatization of HBL
On December 29, 2003 Pakistan's Privatization Commission announced that the Government of
Pakistan had formally granted the Aga Khan Fund for Economic Development (AKFED) rights to
51% of shareholding in HBL, against an investment of PKR 22.409 billion (USD 389 million). On
February 26, 2004, management control was handed over to AKFED. The Board of Directors was
reconstituted to have four AKFED nominees, including the Chairman and President/CEO and three
Government of Pakistan nominees. ... Show more content on Helpwriting.net ...
Excellence
This is at the core of everything we do. The markets in which we operate are becoming increasingly
competitive, giving our customers an abundance of choice. Only through being the very best, in
terms of service we offer, our products and premises, can we hope to be successful and grow.
Integrity
We are the leading bank in Pakistan and our success depends upon trust. Our customers – and
society in general – expect us to possess and steadfastly adhere to high moral principles and
professional standards.
Customer Focus
We understand fully the needs of our customers and adapt our products and services to meet these.
We always strive to put the satisfaction of our customers first.
Meritocracy We believe in giving opportunities and advantages to our employees on the basis of
their ability. We believe in rewarding achievement and in providing first–class career opportunities
for all
Progressiveness We believe in the advancement of society through the adoption of enlightened
working practices, innovative new products and processes, and a spirit of

Case Study Of Privat Bank
Introduction Human resource management is the utilization of human resources to achieve
organizational objectives. Consequently, all managers at every level must concern themselves with
human resource management. Basically, managers get things done through the efforts of others; this
requites effective human resource management. Today's human resource problems and opportunities
are enormous and appear to be expanding. Individuals dealing with human resource matters face a
multitude of challenges, ranging from a constantly changing work force to the ever present scores of
government regulations and a major technological revolution. Furthermore, global competition has
caused organizations both large and small to be more conscious of cost and ... Show more content
on Helpwriting.net ...
Human Resource Management Processes
2.2.1. Recruitment & Selection The rapidly developing and expanding bank, Privat Bank, aims to
educate its own future directors and to improve its employees' motivation, their skills, and their
knowledge. For this aim, the job and personality development of the person is provided by lecturers
and their effectiveness is measured with the system of performance evaluation, their success is
prized and are given chances to go towards carrier opportunities. The staff, who have developed
human relations, high personality and job skills, the banking ethics and fundamentals, and also are
young, dynamic and competent, have 1400 members in Ukraine and 400 members in general
directorship. The candidates wanting to be a part of this staff can participate in Privat Bank family
after different evaluations according to their experience and positions. The bank, which doesn't
approve of working with different consultant firms as long as it doesn't need, accepts the
applications by means of own internet site. It doesn't use newspapers or other internet sites. While
taking employees as the expert assistance and the inspector assistance is realized with the exam once
in a year, the time for taking employee in other open positions is decided according to the
necessities of the

The Bank Expansion Strategy And Management
Beta is a "new generation banks" in Nigeria, incorporated in 1990 and commenced operations in
1991 as a private limited liability company. The bank evolved and witnessed a rapid growth to attain
the universal banking status in 2001 as a result of a policy of deregulation in the Nigerian banking
sector allowing Nigerian banks to operate foreign subsidiaries. The same year Beta became the first
Nigerian bank to establish foreign retail banking subsidiary in the region to respond to the bank 's
customer's needs in the ECOWAS region, particularly in WAEMU. Especially as it had been, the
strategic goal and management vision of BETA to established foreign subsidiaries in various
countries, to support Nigerian businesses abroad (BETA_g2 ... Show more content on
Helpwriting.net ...
As illustrated by the bank Executive:
... actually when the shareholder 's fund of Nigerian banks moved to N25 billion... we also embark
on recapitalisation moving our shareholders from 2 billion to 25 billion and in the process too, we
also acquired another bank... to join us to also increase not just beyond our capital base but also
increase our network as we tried to emerge as a leading retail bank in Nigeria (Beta_g2 December
2015)
Subsequently, with the successful recapitalisaion programme and the acquisition of another bank in
2005 and equity increased, the bank embark on rapid domestic expansion as the competition in the
sector intensified in the domestic market. With the increased capital the bank growth strategy was to
diversify their operations into new business areas to strengthen their market positions at home and
abroad as explained by the interviewees: With the additional capital that the bank brought from the
recapitalisation program, it also strengths our ability to expand our business beyond our first point of
call which was Benin ((Beta_g2 December 2015). The bank expansion strategy is enhanced
specifically through its business and retail banking strategy for example the strategy entails the

Sears Business Case Study : Sears's Retail Business?
Sears had a very long history of high earnings and establishing itself within the U.S market back
when it first started, however, Sears' retail business started to lose traction and experienced a great
reduction in profits around the 1980s. Other retailers, like Wal–Mart and K–Mart, were gaining
more customers in the market share leaving Sears with a smaller piece of the pie. Sears tried the
installation of adding brands that did not have its name and an "everyday low price" policy on all of
its products to bring back customers (Sharp Paine). Ultimately, these changes failed and Sears was
reporting nearly 50% loss in earnings and the merchandising group to around 60% in losses of
earnings. Sears then started to shift its focus to focus on profits at every single level within the
organization, even if that meant letting people go from their jobs. In 1991, Sears revealed a new
compensation system as a response to Sears's competitive pressures to help increase profits in its
stores nationwide. Before, auto mechanics were paid on an hourly wage with expectations of
meeting production quotas. But this compensation plan changed with an additional commission
component with the idea that mechanics were now being paid a base salary with a fixed amount of
money for meeting production quotas for every hour. This even applies to auto service advisors who
had originally just received a salary, but now commissions and sales quotas were introduced to them
as well. This example

Swot Analysis Of BT
BT is the leading telecommunication company in Europe. As the information and
telecommunication requirements of people increases, British Telecommunication (BT) has a leading
corresponding growth in the size and number of information processed. Therefore, the genuine
analyses on BT are required for such an important and strategic company.
BT has expanded into about five different businesses BT Retail, BT Wholesale, BT Global, BT
Openworld, BT Exact, and the Group has re–focused its core activities on voice and data customers.
The mission statement of customer focus and excellent service promise, key business processes as to
how BT operates was looked at.
Thereafter, a SWOT analysis was conducted to show the state of BT in business as a brand ... Show
more content on Helpwriting.net ...
A virtuous circle. And BT will also use it to pay dividends to its shareholders and reward other
stakeholders [BT Report. 2017].
BT strategy is founded on broadening and deepening its customer relationships.
To deliver sustainable profitable revenue growth, BT needs stronger relationships with its
customers. That means making sure the company stay relevant to them as markets, lifestyles and
technologies change.
The three pillars of BT's strategy help the company to do that: delivering superior customer service;
transforming our costs; and investing for growth. The better our customer service, the more the
company sells and the less time and money is spend in putting things right. And the better the
company manages its costs, the better value for money BT can offer to its customers and the more it
invest in giving customers what they need – today and tomorrow. These are the principles that drive
BT business model [BT Report. 2017].
For 2017/18 BT's strategy is evolving. The three pillars remain broadly the same but with a wider
focus on the overall customer experience rather than just on customer service. And with the
acquisition of EE limited, the company's investment areas are evolving to focus on having the best
integrated network in the UK and being a fully converged service

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 ...
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

Benefits of Business Intelligence in Retail
Initial Proposal for Dissertation Topic
Topic: Benefits of Business Intelligence in the Retail sector: A Case Study of three companies done
in Delhi & NCR.
Background:
What is Business Intelligence?
Business intelligence (BI) is the process of gathering enough of the right information in the right
manner at the right time, and delivering the right results to the right people for decision–making
purposes so that it can continue to yield real business benefits, or have a positive impact on business
strategy, tactics, and operations in the enterprises. Business intelligence is a well–established and
generally well–known software category that spans a wide range of functional capabilities. Business
Intelligence systems are one step ... Show more content on Helpwriting.net ...
The key areas to be covered in the study are:
To identify the potential benefits of BI for a Retail organization.
To explore the impact of BI in (strategic, tactical & operational) management decision–making
processes.
To determine the relation between BI and existing methodologies and its financial benefits.
Research Questions:
What is the business value of BI?
Is Business Intelligence (BI) required in the retail industry?
Is BI being adopted as a strategic and enterprise initiative?
What is the level of awareness of Business Intelligence in the retail sector?
What are the expectations in terms of operational improvements and its benefit from Business
Intelligence?
How successful is BI in terms of profitability, gaining new customer and increasing the basket size
of existing customers in the retail sector?
What are the Critical Success Factors for BI Initiatives?
What are the types of BI components that are being used and what type of integration is required?
What is the future of BI in the retail sector?
Research Methodology:

Nature of Study:
The research will be exploratory in nature.
Data:
Primary data will be collected through structured questionnaire and personal interviews conducted
in the three companies in Delhi, Gurgaon and Noida. Secondary data will be obtained from previous
research papers, journal, books, websites, newspapers and

Quality Means Meeting Customers ( Agreed ) Requirements,...
1.0 Background 1.1 Introduction "Quality means meeting customers' (agreed) requirements, formal
and informal, at lowest cost, first time every time." Flood, 1993 In his definition of quality Flood
with "customers" means both – internal and external customers of a company. Meant are all
customers and employees to whom a company supplies products, services and information (Flood
1993). Especially in the services sector the flawless internal and external delivery of services has
become very important in a more and more competitive and customer driven market place.
According to Dale, Cooper and Wilkinson (1997) a change of the organisational culture is often
crucial for the implementation of total quality ideas. For companies in the services sector this means
that a service culture has to be developed internally to ensure the perfect external delivery of
services. The perception of quality is subjective. Nevertheless it can be assumed that regarding
services, quality has been achieved, when the customer is satisfied, the contact employee is satisfied
and the boss is satisfied (Edvardsson, Thomasson and Ovretveit 1994). Improving the quality of
services helps to achieve service excellence: "With service excellence, everyone wins. Customers
win. Employees win. Management wins. Stockholders win. Communities win. The country wins."
Zeithaml, Parasuraman and Berry, 1990 The role of frontline employees for service excellence is
crucial. Especially in the services sector contact

Cooks Emporium Is A Small Retail Business Operating Out Essay
Cooks Emporium is a small retail business operating out of Main Street in Downtown Ames. It has
been in operation for around 30 years, and serves the Ames community with quality and creative
kitchenware to suit every need. Because of its roots in community oriented cooking, it also operates
cooking classes open to the public so that everyone can share in the delicious knowledge that has
been accumulated through decades of cooking through its members.
Even though Cooks Emporium has been in business for a few decades amongst massive
technological changes, it has managed to attempt the use of information systems to suit its needs.
However, because the operation is small and has a simple but main mission to spread the joy of
cooking, the owners and employees have not been able to efficiently utilize the proper information
systems to ensure smooth operation of the business.
On a high level, the main information system within Cooks Emporium can be divided up into the
different functional areas that all come together to assure that the business can fully operate. Cooks
Emporium employs the use of accounting systems (Mainly outsourced), communication systems,
payment processing systems, and also inventory management information systems. All of these
functional areas come together to form the main connected information system (As represented in
the Context Diagram). Inevitably, when one area of the information system starts to fail with what it
can offer, it can start to

Business Analysis : Retail And Social Class
Essay Assignment 3: Retail and Social Class For this essay, two retail stores were visited and
evaluated to determine which social class each store primarily targets, and how the concepts of
cultural capital and habitus are used to appeal to each of these specific segments. The two stores
visited for the purpose of this essay were the Walmart Supercenter in Bloomington, MN, and the
William Sonoma kitchenware retailer located in the Mall of America in Bloomington MN. The first
visit was to the Walmart Supercenter in Bloomington, MN. Based off of the observations made, it
appears that Walmart primarily targets the lower to working class Americans. There were several
observations made that led to this conclusion. The Walmart store was very large, filled with large
quantities of mass produced products with minimal design aesthetics. The interior design within the
store was very basic, utilizing primary colors, inexpensive vinyl tile flooring and harsh fluorescent
lighting throughout. The products themselves were displayed in large quantities, with minimal
attention given to the aesthetics or visual display of the products. One example of this was a large
bin of CD's placed in the center of a main aisle filled with hundreds of low priced CD's for sale.
There was also a tremendous emphasis on the retailer's low prices, mainly seen in the advertising
that took place within the store. Large, bold signs were placed throughout the store and in most
aisles advertising

Understand the Business of Retail Essay examples
Understand the Business of Retail
Outcome 1 A. List the different retail channels and state the main features of each one.
Retail Channel | Benefits/Features | Shops | * Lots of choice * Discounts * Sales | Internet | * Free
delivery * Quicker * Buy from home * 24 hour delivery * Sales * Register for offers | Warehouse | *
Professional products * VAT free days | Catalogues | * Pay weekly or monthly * Order from your
home | Salon | * Professional environment * Products and advice | Market Skills | * Very cheap |
B. Size and types of retail outlets typically found in a variety of retail locations such as high street or
retail business parks.
Department store– Marks and ... Show more content on Helpwriting.net ...
What might retail customers be concerned about to do with the environement? 1. Carbon footprint 2.
Packaging and rapping 3. Recycled materials 4. Cost of fuel 5. Pollution
B– Outline ethical issues of concerns to retail customers. * List what ethical factors may concern
retail customers 1. Animal testing 2. Fair trade 3. Exploitation of labour 4. Organic products
List the main advantages to retailers of being responsive to customer environmental and ethical
concerns * Continuous custom * Creates a positive image of the company * Loyalty

History Of Sovereign Bank
Santander Bank, formerly known as Sovereign Bank, is a wholly owned subsidiary of Banco
Santander, a Spanish bank. The bank mainly operates within the North Eastern region of the United
States, with its headquarters based in Boston, Massachusetts. Santander bank offers various financial
services and products, among them retail banking, mortgages, corporate banking, capital markets,
insurance, cash management, trust and wealth management as well as insurance. The bank holds
over $77 billion in assets, and has 650 branches. It also has over 2000 ATMs and employs 9800
employees.
Banco Santander, the parent company, was founded on May 18, 1857 in Wyomissing, Pennsylvania.
Sovereign Bank, on the other hand, was founded in 1902 as a building and ... Show more content on
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The bank at some point received negative attention for issuing credit to arms companies, including
companies like Boeing, Lockheed Martin, General Dynamics, Textron, Colbun, BAE Systems and
EADS. Some companies within the bank's portfolio have also been involved in environmental and
labor rights violations scandals, for instance Wal–Mart and Total USA. This negative attention may
lead to loss of investor confidence in the bank.
Santander Bank has also received enforcement action from the Federal Reserve, with orders to have
the bank improve its risk management practices. Santander has already been struggling with this
issue. The bank's capital plan was also rejected by the Federal Reserve during the second phase of a
stress test carried out on the 31 largest US banks, limiting the bank from distributing its profits to
shareholders without express permission from the Fed. This rejection arose from issues in the bank's
governance, internal controls and risk

Zara Is A Non Domestic Retailer Company Essay
Analysis of Zara
Name:
Course:
Institution:
Abstract
Zara is a non–domestic retailer company that offers a wide array of clothing for young adults,
children men, and women. The first company store was opened in 1975 in the nation of Spain.
However, it has been able to expand its operation in other countries such as United Kingdom, India,
Japan, Mexico, and Canada. Zara has been able to maintain its position in the fashion market which
is highly competitive as a result of its constant and latest change in trend. The apparel market is
usually driven by the consumer (Zara Website). Based on the fact that new technologies and
globalization have availed to the customer enhanced and improved access to fashion, the core
objective of any organization that is competing in the industries depends on the meeting the needs of
the consumers. As such, Zara has focused its attempts on the evolving and developing consumer–
oriented product lines as it strives in meeting the needs of customers of different income and age.
The middle–aged parents purchase clothes at the retail stores because they are cheap while the
children purchase merchandise from the stores for it is trendy and fashionable. The company has a
wide array of clothing and product lines as per the market needs. The company has a distinct fashion
approach and constant response to the ever–evolving trends. The objective of Zara is relation to
combining low prices and fashion, adapting and interpreting the

Swot Analysis Of FBN
0 Strategic Evaluation:
Strategic Evaluation is the efficiency and effectiveness of the comprehensive plans achieving the
desired results.
6.1 SWOT Analysis.
STRENGTH.
Strong Brand
FBN continue to execute on previously articulated regional expansion strategy being consistent in
their objective of effectively maximizing shareholder value while harnessing the benefits of
diversification. First bank plc have only pursued expansion into countries that will
disproportionately add economic value over the medium to long term and bolster the banking
group's strategic positioning in the Su–Sahara Africa (SSA) financial landscape (FBN, 2012). First
bank of Nigeria brand of being dependably dynamic is one of its major selling points. Aside being
the largest banking group by assets in SSA, the fact that a significant proportion of the banking
public has business relationship with the bank attest to the strength of its brand. Part of their strategy
is to be dominant financial services group across middle Africa. Having established itself over a 120
years history as the largest bank in Nigeria and already as the largest private sector banking group in
Sub–Sahara Africa (Meristem, 2011).
... Show more content on Helpwriting.net ...
These eminent persons have displayed excellent and proven business knowledge and board
experience spanning an array of industries and sectors. The primary purpose of the Board is to build
long term shareholder value and ensure management oversight so that appropriate controls, systems
and practices are entrenched to safeguard the assets of FBN Holdings in a sustainable manner (FBN,
2012).
FBN board comprises of six members made up of five Non–executives Directors and a Chief
Executive Officer (CEO). To ensure appropriate oversight function, the CEO sits on the Board of
each of the direct subsidiaries of FBN Holdings.
Delivering Business

Case Study Of FBN Business Model
8.3 FBN Business Model:
By building a leading Sub–Saharan Africa financial services group is our strong desires to deliver
growth. The ability to keep going for a very long time in our business performance is driven by our
people, structure and reach giving us a true competitive advantage.
We have clustered businesses structure to improve coordination and specialisation while ensuring an
optimal legal and compliance framework. Most importantly, the Commercial Banking business
separation from other operations provides a platform for improved focus on the growth of non–bank
subsidiaries allows for greater risk management direction and enables maximum capital allocation
decisions. Our passion for constantly improving the competencies of our people has been the driving
force behind our employee transformation ... Show more content on Helpwriting.net ...
In our largest market, Nigeria, our unparalleled reach with superior technology and a branch
network across the country, affords us a low–cost competitive advantage to partner for growth with
clients in our diverse locations.
Our largest business group, the Commercial Banking group, generates value by exploiting the
immense retail banking franchise to trap and grow sustainable, low–cost deposits as a platform for
the various wholesale banking groups to create quality risk assets.
In delivering the fundamentals of banking and playing the financial intermediation. We have
consistently tweaked the structure of our business to ensure it is aligned with the needs of our
customers and how they hope to be served. Our business model is guided by the philosophy of
continuously restructuring for growth, controlling and measuring this growth and delivering
business

Essay On Handbags
Handbags are an essential fashion accessory that enhances the personality of a woman. It is said to
be a "conveyer of status as much as it acts as a carrier for personal belonging". (Olen, 2015). Our
brand MJam is an online business providing contemporary handbags made in a variety of materials.
The business is owned by an inspiring and talented leather accessories designer Marukh Jamshed.
The brand provides a variety of handbags made in trendy colors with tasteful embellishments,
catering to the chic and stylish target customers. It first began its operations in 2011, targeting a
limited customer base. And ever since its inception the brand has been operating online. Thus it has
a potential to expand its customer base by establishing retail presence in multi brand stores such as
PFDC and Tehzeeb. This would create convenience for the customers who wish to tangibly inspect
the product before purchasing it. The literature review is based on variables such as expanding the
business to retail stores, necessary handbag features required and types of handbag customers.
Expanding the business to retail stores: Adapting to the changing market dynamics is seen to be the
key to success behind the growth of a business. Nowadays businesses adopt the Omni channel
strategy where they offer customers real additional value in terms of their ... Show more content on
Helpwriting.net ...
Handbags sizes and colors appeal to shopper's taste and are instrumental in helping them make
fashion statements." (Sheppard, 2014). The size of the bag should be kept in mind and it should not
exceed ten percent of the wearer's weight. Straps should be made adjustable and wide enough to
create convenience for the customers. As the comfortability of the handbag is considered quite
essential in building up the brand image and allowing customer retention and repeat purchases from
the

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

Business Model For Retail Financial Institutions Essay
The business model for retail financial institutions has evolved in the past and will continue to in the
future. The driving forces have changed from the past like banks were looking to maximize
profitability, now customer is the center of all the driving forces. In the future, technology will play
a key role in evolving the business model for retail financial institutions. Why should banks be
worried about trends in retail financial institutions? Retail banking activities account for
approximately 50 percent of the revenues generated by banks. Making it the largest source of
revenue for banks. Moreover, it is a stable source of revenue which provides them with a cushion
against sharp downturns, which was witnessed in the 2008 financial crises. Banks have become
reliant on retail operations as an invaluable source of funding for the asset side of the balance sheet.
Some banks have also developed a greater appreciation for the retail business because of its size and
relative stability, both of which can help steady performance in times of crises. Therefore, banks
have to place importance to the retail side of their business particularly to the changes that can affect
them. (BCG, 2010) What are the driving forces for the customers? Firstly, let's look at the driving
forces of the new business model which are centered on the customer experience and changing
patterns. Now customers have higher expectations which are driven by global trends, new
technology and innovative

Conclusion Of Mercantile Bank
1. Conclusions : Mercantile Bank Limited is one of the pioneer banks of Bangladesh banks in
respect of customer service, profitability and strength among the private commercial banks;.
According to my research and study on the bank I think the bank has achieved a good level of
success by having 93 branches around the whole Bangladesh. Mercantile Bank Limited has also set
up a new standard in financing in the industrial, trade and foreign Exchange Business. Different
retail banking products of Mercantile Bank Limited also gets the attention of the customers.
According to my understanding and research on the topic Customer Satisfaction level of Retail
Banking at Mercantile Bank Limited I think Mercantile Bank survives on customers' trust which ...
Recommendations:
The following limitations were apparent while studying the branch and the Mercantile bank itself
 To compete with the intense competition of the banking industry Mercantile Bank should have a
highly qualified and efficient professional bankers who will manage the bank
 To address the problems of customers and come up with solution Mercantile Bank should
establish a customer research and planning division with efficient persons. This division will
research on the core banking needs of the customer and based on that Mercantile Bank should craft
its customer support strategy
 Gathering experience of the foreign banks, specially their policy on the customers will help
Mercantile Bank to build a competitive position
 A good management information system needs to be implemented and maintaining which will
focus on providing the best customer support service depending the requirement
 To be more customer centric and give value to the customers mercantile bank should come up
with a dynamic leadership style
 The working and inner environment of every branch should convey the message to the customer
that they are in right place for banking activities
 Interest rates on loans should be yearly monitored and restructured according to the

Business Intelligence And Retail Industry
BUSINESS INTELLIGENCE IN RETAIL INDUSTRY ABSTRACT Business Intelligence (BI)
tools are extensively adopted by many companies to operate as efficiently as possible. The report
investigates a BI adoption in a retail chain. . The analyzed data and reported actionable information
help the stakeholders take right decisions in their business. Finally, the presented research identifies
innumerous benefits including decision–making to be the most vital by the retail chain managers.
Contents DESCRIPTION OF ANALYTICS IN THE RETAIL DOMAIN 2 SYSTEM
REQUIREMENTS FOR SAP BO 2 DATA USED IN KNOWLEDGE DISCOVERY 2 DATA
SOURCES USED 2 IMPLEMENTATION AND METHODOLOGY USED 2 CONCLUSION –
THE REPORTED EFFECTIVENESS OF THE SYSTEM 2 REFERENCES 2 ... Show more content
on Helpwriting.net ...
DATA SOURCES USED The following data sources were used by the retailer for their Data
Warehouse (DW). 1) Internal ERP system. 2) POS (detail data from individual stores) 3) Shop guard
system 4) Planning data gathered during discussions about implementing the BI project. 5) Manual
CSV files. Some of the data were acquired through third party applications used in the company.
Integration has following layers Web Application Layer Database Server Layer Data Services
Service Layer Ad–hoc ETL processes were created to populate the DW. Reporting The various
reports which were the most critical part of this implementation included reports for the various
functional areas like: 1) Sales. 2) Shopping cart. 3) Customer Turnover. SAP BO objects – OLAP
cubes "Each functional area was represented by an OLAP cube and defined reports. OLAP cubes are
basic data sources for defined reports. The structure of every OLAP cube in SAP BO tools is defined
by "universe." The BO universe is a business representation of a company´s data that helps end
users access data autonomously using common business terms; it also isolates business users from
the technical details of the databases where source data are stored. Reports were made in relation to
OLAP cubes. Granularity and periodicity were defined for each report by managers of the project
team. The creation of a data

Analysis and Comparison of Hsbc and Barclays Bank
Analysis And Comparison Of Hsbc And Barclays Bank Finance Essay
This report compares financial performance of two major banks of UK i.e. HSBC Bank Plc and
Barclays Bank Plc on the basis of their Balance sheets and profit and loss accounts for the year
2009. This report also provides SWOT analysis of both banks i.e. HSBC and Barclays Bank Plc and
provides an insight into their Banking Strategies.
The key financial indicators for evaluating financial performance of any bank are Profit Before Tax,
Capital Ratio, Adjusted Gross Leverage, Loan Funding Ratio, Net income, Assets and Liabilities,
Equity and Share Holders return.
Barclays reported net profit of £ 10,289 milllion in 2009, an increase of 96% as compared to
2008.Although Barclays Bank ... Show more content on Helpwriting.net ...
Although the parent company HSBC holdings was established in 1990,when "The HongKong and
Shanghai Banking Corporation" Purchased Midland Bank of UK, and its headquarter moved to
London from HongKong as a condition in the takeover deal in 1993.
HSBCs stock is traded on London, NewYork, HongKong, Paris and Bermuda stock exchange.
HSBC is one of the Largest Banking and Financial Services organisations in the world, shares in
HSBC holdings plc are held by over 220,000 share holders in 121 countries. HSBC provides a
comprehensive range of financial services to more than 100 million customers through four
customers an global businesses: Personal Financial Services; Commercial banking: Global banking
and Markets: private banking.
HSBC UK retail banking comprises two customer groups , personal Financial services ('PFS') and
commercial banking('CMB'). UK personal Financial Services provides current account, savings ,
personal loans , mortgages , cards, financial planning, as well as life and general insurance to UK
personal customers through a variety of distribution channels under various HSBC brands, including
First direct, Marks and Spencer money and partnership card.
As at 31 December 2009 , the bank had 1,369 branches in the United Kingdom.
Financial Performance and Interpretative Analysis
Barclays Bank PLC
Barclays delivered net profit for the year of £10,289m in 2009, an increase of

Retail Business Analysis

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