Ancillary Services

Ancillary Services
Ancillary Services by Retail Banks
This background note is intended to provide essential understanding about various ancillary services
offered by retail banks to their customers such as; A. Extension of Safe Deposit Locker / Safe
Custody Article Facility and Access to Safe Deposit Lockers / Return of Safe Custody Articles by
banks B. Remittance facilities for Non–Resident Indians / Persons of Indian Origin / Foreign
Nationals C. Interest Rates on Rupee Deposits held in Domestic, Ordinary Non–Resident (NRO)
and NonResident (External) (NRE) Accounts D. Forex Facilities for Residents (Individuals) E.
Electronic Money The required information is largely sourced from the public domain of Reserve
Bank of India websitewww.rbi.org.in ... Show more content on Helpwriting.net ...
In case the lockerhirer has some genuine reasons as in the case of NRIs or persons who are out of
town due to a transferable job etc., banks may allow the locker hirer to continue with the locker. In
case the locker–hirer does not respond nor operate the locker, banks should consider opening the
lockers after giving due notice to him. In this context, banks should incorporate a clause in the
locker agreement that in case the locker remains unoperated for more than one year, the bank would
have the right to cancel the allotment of the locker and open the locker, even if the rent is paid
regularly. (iii) Banks should have clear procedure drawn up in consultation with their legal advisers
for breaking open the lockers and taking stock of inventory. 3. Access to the safe deposit lockers /
return of safe custody articles to Survivor(s) / Nominee(s) / Legal heir(s) 3.1 We invite a reference to
our Circular DBOD.No.Leg. BC.95/2004–05 dated June 9, 2005 wherein we had advised banks to
deal with the issue of handing over the proceeds of deposit accounts. A similar procedure should be
adopted for return of contents of lockers / safe custody articles to Survivor / Nominee / Legal Heirs.
3.2 Access to the safe deposit lockers / return of safe custody articles (with survivor/nominee clause)
If the sole locker hirer nominates a person banks should give to such nominee access of the locker
and liberty to remove the contents of the locker in the event of the death of the sole
... Get more on HelpWriting.net ...

An Investigation Into the Differences Between Retail and...
An investigation into the differences between retail and investment banks
Over the past decades, retail banks have remained the main commercial bank for consumers, rather
than corporations or other banks. The investment bank has become more popular amongst
individuals, corporations and governments which are interested in raising their profits. Retail banks
and investment banks have different organizational structures and activities. So they have many
differences, such as services, customers and profits. And this report aims to distinguish between the
retail bank and the investment bank in order to identify their specific service areas. Firstly, the
author will review some literature focusing on the definitions. Secondly, the author will ... Show
more content on Helpwriting.net ...
There are also many advantages of the investment banks which usually provide services for the
company. First of all, most of the investment banks are global company and it can provide services
more widely than the retail banks. Such as Morgan Stanley is a leading global financial services firm
providing a wide range of investment banking, securities, investment management and wealth
management It reports US$779 billion as assets under its management. Its headquarter located in
Midtown Manhattan , New York City. It has companies in 37 countries with over 1,200 offices,
employees dedicated to local businesses, government agencies, institutions and individuals. So the
investment banks can provide the services (such as trading of derivatives, fixed income instruments,
foreign exchange and commodities) all over the world. Secondly, the revenue of the investment
banks significantly more than profit of other types of banks. If you save your extra money in the
retail banks, you can only get the interest from the rates. But if you sand your money to the
investment banks you can get remarkable returns although it has a high risk. For example the
Goldman Sachs Group, Inc. is an American investment bank and securities. And it provides mergers
and acquisitions advice, underwriting services, asset management, and prime brokerage to its
clients, which include corporations, governments and individuals. Amazingly, the company in US
profits reached a

Analysis Of Computerized Banking System- Hdfc Bank
Project report submitted in partial fulfillment of the requirement for the award of degree of
POST GRADUATE
DIPLOMA IN MANAGEMENT
SUBMITTED BY
Ashish Puri
(Roll Number: 1321001578)
SUPERVISED BY
Mr. Lalit Taneja
(Project Lead at Syntel Ltd.)
CERTIFICATE
This is to certify that the project study entitled "Analysis of computerized banking system– HDFC
Bank" is a bonafide work done by and submitted in partial fulfilment of the award of degree in Post
Graduate Diploma in Management.
Mr. N.M. Mishra
Faculty Guide
DECLARATION
I hereby declare that the project "Analysis of computerized banking system– HDFC Bank"
submitted in partial fulfilment of the award of the Post Graduate Diploma in Management of the
IMT University, Noida, has been carried out by me under the guidance and supervision of Mr. Lalit
Taneja during the academic semester 2014–15.
It has also not being submitted by me or any body for the award of any other degree or diploma of
this or any other institution earlier.
Date: 20–May–2015

ACKNOWLEGEMENT
I would like to express my deepest gratitude to my supervisor, Mr. Lalit Taneja , for his excellent
guidance, caring, patience, and providing me with an excellent atmosphere for doing research.
I would like to thank Mr. Nikhil Deshmukh of HDFC Bank Magarpatta City

Askari Bank: A Leading Pakistani Bank
Company Profile |Products |Sell Offers |Buy Offers |Contact Details | |Askari Bank, one of the
leading banks of Pakistan. The bank was founded in 1992, and in the 18 years since, our growth and
success patterns have far outgrown industry standards. Askari Bank has expanded into a nationwide
presence of 150 branches, and an offshore banking Unit in Bahrain. A shared network of over 1,100
online ATMs covering all major cities in Pakistan supports the delivery channels for customer
service. As on December 31, 2007, the bank had equity of PKR 12.27 billion and total assets of PKR
182.17 billion, with over 800,000 banking customers, serviced by 6,808 employees. We have
reinforced our products with new deposit schemes bearing competitive rates ... Show more content
on Helpwriting.net ...
|
| | |
|» |"The Best Consumer Banking Award 2006" by the Consumer Association of Pakistan. 2007 |
| | |
|» |"The Best Retail Banking Award 2008" by Pakistan Guarantee Export Corporation Ltd. 2008 |
| | |
|» |"Best Corporate Report Award for the year 2008" by ICAP & ICMAP. 2008 |
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Now is the Perfect Time to Invest in a Phone
Taking a step towards the future initiates with the invention of many man–made godly technological
advancements, among which are methods to keep everyone connected to each other at all time.
Confirming the safety of the user, new an elegant products can be found at every turn of the road.
Communication plays an important role in every humans life. Communication have concurred over
visual effects, social media, and personalizing information. Communication is connection that links
the sender to the receiver which was achieved first by the invention of phones. As phones become
more common for our daily lives, the cell phone companies have made arrangements to help supply
this product to the customer at a more reasonable price and added a much remarkable finish for
style. Reviewing the timeline of the phone, it is yet noted to be the fastest way to communicate, and
by the passing of time phones have been manufactured for a better visual representation to display
the message, and the ease to operate this technology. With these increasingly high benefits the
demand for the product has gone much higher and, so this is why it is a perfect time to invest in
phones.
Alexander graham bell was the first to patent the telephone, as an "apparatus for transmitting vocal
or other sounds telegraphically". Charles Bourseul, Antonio, Johann Philipp reis, Alexander graham
bell, and Elisha gray, amongst others, have all been credited with the telephone's invention. The
early history of the

Disadvantages Of Shinhan Bank
Shinhan Bank America is a non–member bank with a headquarters in New York. A non–member
bank is a state–chartered commercial bank, but not a member of the Federal Reserve System ("All
Institution Types Defined"). It is spread out in five different states with 16 domestic branches, with
total assets of $1,308,996,000. The Federal Deposit Insurance Corporation (FDIC) regulates
Shinhan Bank America with the purpose of "preserving and promoting public confidence in the U.S.
financial system by insuring deposits in banks and thrift institutions for at least $250,000; by
identifying, monitoring and addressing risks to the deposit insurance funds; and by limiting the
effect on the economy and the financial system when a bank or thrift institution fails" ("Who is the
FDIC").
Shinhan Bank America specializes in commercial lending. Commercial loan enables a business
entity to activate and subsequently obtain a finance stream, to help companies fund short–term
expenditures or pay for capital equipment ("Commercial Lending"). Basic operational needs of
businesses such as funding employee payroll as well as manufacturing and production costs are
important that gives way to loan extensions. Shinhan also offers other business banking services
aside from loans, including business checking/savings accounts, deposits, credit cards, atm and
online banking. Personal banking are also offered by Shinhan Bank America with similar services as
to their business banking services. Shinhan excel in

Customer Service At Indian Banks
Appendices
Appendix A
Dear participant,
I am a student from Middlesex University London, United Kingdom doing research on Customer
service in Indian Banking Industry.
You are invited to take part in the research questionnaire designed to investigate about the customer
service in Indian banks. Taking part involves completing a short questionnaire based on your
experience.
Completing this questionnaire should take you no longer than 10–15 minutes. All information that u
provide will be kept confidential and the results will only be used for research purposes as well as to
propose new ways to meet customer's satisfaction.
I would like to thank you for your precious time and co–operation. Any suggestion for the
improvement of ... Show more content on Helpwriting.net ...
Your score should be based on the scale below.
Strongly disagree Strongly agree
1 2 3 4 5 6 7
Statement Score
1. An excellent bank will have modernized equipments
2. An excellent bank have attractive and appealing physical features
3. Representative of an excellent bank will be tidy and have presentable appearance.
4. In an excellent bank all the service materials like pamphlets etc will be placed at an appealing
place.
5. An excellent bank certainly does something which it promised to do in a particular time.
6. An excellent bank always shows a genuine interest in solving customer's problem.
7. An excellent bank provides the services accurately in the first time.
8. An excellent bank provides the service in a promised time
9. An excellent bank will always insist on accurate records (free from any errors)

10. Employees of an excellent bank will tell customers the right time when services will be
performed
11. An excellent bank offers prompt service to its customers
12. Employees/representatives of an excellent banks will always be willing to help customers
13. Employees/representatives of an excellent bank will never be too busy to respond to customers '
requests.
14. Employees/representatives of an excellent banks will always implant confidence in their
customers
15. Customers of an excellent bank will feel secure while making

Deutsche Bank’s Pan-European Retail Banking Strategy
BUSI 3312
Group Case Study– BUSI 3312
"Deutsche Bank's Pan–European Retail Banking Strategy"
In partial fulfillment of the requirements for BUSI 3312
August 7th, 2012
Table of Contents
Heading Page
Problem Statement 2
Data Analysis 3
SWOT Analysis 3
Strengths 4
Weaknesses 4 Opportunities 5
Threats 5
Key Decision Criteria 6
Alternatives 8
Alternatives Analysis ... Show more content on Helpwriting.net ...
2. Deutsche Bank has a lot of options that could all be beneficial to the future success of the bank. 3.
If Deutsche Bank was to merge with Dresdner Bank the connections and networking has already
been accomplished. 4. If Deutsche Bank continues with it Pan–European retail banking strategy they
already have Bank 24, a division that is already retail banking oriented.

Weaknesses
1. The management of Deutsche Bank can not get along with the management of Dresdner Bank
making if difficult if not impossible for the organization to make the merge. 2. This inability of the
management to get along with the management of another firm could cause problems in the future if
they can't get along with the management of other businesses in the future. 3. Moving into other
countries in Europe is very expensive. 4. If the bank moved towards the retail banking strategy, that
kind of banking is low–margined and therefore may deter investors fearing less return on their
investments.
Opportunities
1. Deutsche Bank has a new goal expanding throughout Europe. 2. The banks online banking
platform provided a powerful selling channel. 3. With the advent of the euro the ability of operating
a bank a pan–European market became a lot easier. 4. Deutsche Bank and Dresdner Bank could
merge and expand into investment banking. 5. Deutsche Bank already controls Bank 24 and it would
be easy to shift

Computer Interaction Has Changed Within The Economy
Within recent years human computer interaction has changed within the economy I will discuss
three factors which interlink with this. These are increased automation, productivity and varied
working environments.
Increased automation
o Bank
Firstly you have increased automation within a banking environment you now have three main ways
of banking. 1. Online 2. Telephone Banking 3. Branch most major banks have introduced productive
ways of banking to suit economy. Know two individuals bank the same everyone likes something
different you will find that generation will fuel the channel in which and individual will decide to
bank.
By introducing online and telephone banking economy have no necessary need to go into their local
branch and due ... Show more content on Helpwriting.net ...
This is a prime example of how changes within the economy are effecting those who work for the
banks and also customers of the bank.
It could be argued that making changes can help economy as more avenues have been introduced
giving customers more choice. This allows for any customer who works antisocial hours take
control of their banking, it allows for every customer to be treated fairly as everyone has the same
opportunities with their banking. For example savings account online normally have a higher
interest rate to those offered in branch these accounts are optional for every customer however you
need to bank online to manage the account therefore you automatically introducing yourself to a
new avenue of banking.
It could be argued that making changes is harming the economy as manual labour is taking a cut
therefore more individuals are unemployed. More unemployment puts a strain on the government
this would then be costing the government.
Increased automation
o retail (Inc. stock levels/reordering)
Within the retail environment there has also been many changes which have had a knock on effect
with the economy. The two many factors which need to be consider would be stock levels and
reordering of stock.

So for reordering stock and checking stock levels you can invest in an accounting software which
will check your stock levels on a regular bases allowing for less labouring staff to be

Customer Experience At The Local Branches
I order for a company such as First State Bank to improve its banking accuracy and speed in order to
enhance customer experience. The company needs to first collect customer feedback via the survey
on the company web portal or questionnaire at the local branches. After collecting data from the
customer survey management and the IT department will apply the customer feedback in their
process to enhance the company database. By configuring their database into a crossbreed of
centralized and decentralized processing and improves the banking experience. Allowing customer's
the ability to bank at any of the 11 local branches; monitoring transaction and central processing the
customers' data while updating the database. All cash, checks and payment of customer's bills can be
recorded via remote computers (ATM's and local branch computers). Once the customer transactions
are recorded by the computer or ATM the data is then sent to the data warehouse a few times a day
updating customers banking statement. For example, local business payroll account can be stored
and processed via electronically since most transactions is done electronically or manual cash
deposits. The data warehouse that located in the main branch can process more efficiently if a highly
experienced data processor is used to alleviate the database of data communication processes. Using
a secure carrier network is the best method for good communication, while processing data between
servers and the data warehouse. A

Mr. Walker 's Legal Representative
Mr. Walker's legal representative revealed that he wished to give an open statement as to the reason
for the administrative hearing. The legal representative stated that he represents the non–custodial
parent (NCP), Michael Walker. He stated that the NCP and his wife maintained four bank accounts
jointly, and that in October 2015 the NCP's wife deposited over $23,000.00 in the bank account that
she withdrew from a personal savings retirement account that the NCP did not contribute to before it
was deposited in the financial institution. Those funds were solely the NCP's wife; the funds assisted
in purchasing a home, furnishing, and the rest a different savings account. Prior to the wife being
able to follow through with the process, ... Show more content on Helpwriting.net ...
The money that his wife was holding in the account was used to furnish the new house that they
purchase in July 2015. His money was deposited at the same bank, but in a different account, which
is used to pay his child support, mortgage, utilities, and bills at the new residence. On average, the
monthly expenses would be higher than earnings. When the expenses exceed the earnings, his wife
would give him money to help pay the expenses of the house. The accounts at the bank that they
have are two checking accounts (account for the bills and his personal account), savings account
(majority of wife's money), and a rollover account. All of the bank accounts were garnished.
Jefferson County DHR representative's testimony revealed that the custodial parent (CP), Peggy
Butler, made an application with the department to enforce the Jefferson County, Alabama divorce
order DR–2003–2290, which includes the minor children, Michael Walker (DOB 2/12/1996) and
Heather Walker (DOB 11/11/1998). The court order of November 2003, ordered that the defendant
shall pay to the plaintiff $905.00 per month for the support and maintenance of the minor children
commencing on July 1, 2003. This was not a per child order. On February 2, 2015, the child,
Michael Walker, emancipated at the age of 19. Therefore, the current support continued at

Essay on Bank of America Case Analysis
Bank of America – Case Analysis
Prepared
By
Kesha S Mitchell
April 30, 2013
AMBA 650–1134
Marketing Management and Innovation
Professor Philemon Oyewole
In 2007, Bank of America (BofA) Corporation launched the largest secure mobile banking service in
the United States and has over four million mobile banking customers. BofA mobile banking service
gives the customers access to their checking accounts for balance, transfers funds and to pay bills
through a mobile application (app) on their mobile phones and the mobile web on their phone's
browser.
In past years, BofA has been discussing the bank's mobile strategies concerning mobile banking and
how to incorporate mobile banking that is specific to the customer's ... Show more content on
Helpwriting.net ...
These advantages led the smaller businesses to concentrate on convenience locations, better
customer service, reduction of banking fees, waiving of ATM fees and the ability to cross–sell extra
products and services. According to the research, in 2009 the consumers chose their banks based on
traditional criteria, such as low account minimums, competitive rates, and convenient locations.
(Case, pg. 2)
Competitors
BofA competitors in the US bank holding companies are JP Morgan Chase, Citigroup, Wells Fargo
and PNC Financial Services Group. JP Morgan Chase is the leading mortgage lender and credit card
issuer in the financial industry. It has more than 5,500 branches, operational in over 60 countries and
it brags investment banking and asset management operations.
Citigroup has over 200 million customer accounts and does business in more than 160 countries. It

supplies deposits and loans, asset banking, brokerage, and wealth management. Citigroup selling
strategy is to sell to underperforming and noncore businesses and to refocus on traditional banking.
Wells Fargo Bank has over 6,200 bank branches in 40 states in the US. It believes in community
banking which consists of corporate banking, investment banking and provides financial advising in
wealth management, retirement, and brokerage services.
PNC Bank operates

A Report on NatWest Bank and an Analysis of the Banking...
A Report on NatWest Bank and an Analysis of the Banking Industry 1. Introduction This report
focuses on NatWest and the industry in which it operates. The purpose of the report is to give a
concise but accurate view of how NatWest operates as an organisation and the links between its
environment, in this case the banking industry. Company History =============== National
Westminster Bank came into being in 1968 when National Provincial Bank and Westminster Bank
merged and began trading on 1st January 1970. This allowed the bank to expand and venture into
new services such as credit cards and computer–linked cash dispensers. The 1980's saw deregulation
of the financial markets ... Show more content on Helpwriting.net ...
The £21 billion deal is the largest take–over in the history of British Banking. NatWest is now part
of the second largest financial services group in the UK and Europe and the fifth largest in the world
by market capitalisation. What will the report tell us? The report will identify and evaluate the
significant problems and issues which NatWest is facing and the banking industry as a whole. Once
these issues are identified it will then be possible to identify any potential consequences which
NatWest is likely to face if they are not addressed, the use of relevant analytical tools will make this
possible. The report will then suggest and analyse alternative solutions to potential problems by
weighing up the advantages and disadvantages of any proposed solutions. The findings of the
analysis will be critically evaluated in order to achieve the main aim of the report in the conclusion
from which suitable recommendations will be made. These recommendations will acknowledge all
the problems identified in the analysis and evaluation and advice how they may be dealt with. 2.
Evaluation Industry Analysis ================= The British banking industry has come under
extreme scrutiny over recent years and it is likely to continue during the foreseeable future. The
perceived anti–competitive nature is as a result of

Evaluating Basel
END TERM PROJECT
COMMERCIAL BANK MANAGEMENT
TOPIC 5
BANK CAPITAL MANAGEMENT– CAPITAL ADEQUACY FRAMEWORK
Submitted to:
Submitted by: Group 5
Prof. D.N. Panigrahi
Abhishek Singh (2014013)
Anisha jain (2014042)
Bakul Malik (2014072)
Gurusha Godwani (2014100)
Ketki Chaturvedi (2014133)
CHAPTER 1
BANK CAPITAL MANAGEMENT– CAPITAL ADEQUACY FRAMEWORK
INTRODUCTION
Bank capital is often defined in tiers or categories that include shareholders' equity, retained
earnings, reserves, hybrid capital instruments, and subordinated term debt. Capital ratios are
commonly measured as a percent of bank assets or risk–weighted bank assets.
Bank capital serves as an important cushion against unexpected losses. It creates a strong ... Show
more content on Helpwriting.net ...
Banks list their capital adequacy ratios in their financial reports. The CAR is important to
shareholders because it is an important measure of the financial soundness of a bank.
Two types of capital are measured with the CAR. The first, tier 1 capital, can absorb a reasonable
amount of loss without forcing the bank to cease its trading. The second type, tier 2 capital, can
sustain loss in the event of liquidation. Tier 2 capital provides less protection to its depositors.
Because of the nature of risk under which banks operate, capital regulations require banks to
maintain a minimum level of equity per loans and other assets. This required minimum is designed

for protection, allowing banks to sustain unanticipated losses. The minimum is also designed to
offer depositors confidence in the security of their deposits given the asymmetric information.
An individual depositor cannot know if a bank has taken risks beyond what it can absorb.
Thus, depositors receive a level of assurance from shareholders' equity, along with regulations,
audits and credit ratings.
The amount of equity a bank receives from shareholders sets the limit on the value of deposits it can
attract. This also limits the extent to which the bank can lend money. If a bank sustains large losses
through credit or trading, eroding the bank's net worth, this causes a decreased fund base through
which a bank can offer loans.
The CAR provides

The United Kingdom Banking Industry
The United Kingdom banking industry, in the seventies and eighties, was a competitive and fairly
unregulated market. These two factors in most industries implies that there is room for companies to
grow. However, the market of personal banking was saturated – all customers that needed personal
banking already belonged to a bank. The Big Four clearing British banks – Lloys, Midland,
Barkleys, and National Westminster – dominated the retail banking industry. In this industry, where
the players joke that, "people are more likely to switch partners than banks," entry into this market
would be very difficult. Only 1 in 30 people switched banks every year. It would take a superb value
proposition and business model to acquire customers from other banks. Prior to the seventies, the
UK banking industry was not very competative. The Big Four flooded the market until the point of
saturation. Then, in the late seventies, the Bank of England allowed banks to offer a more full range
of services, including: share dealing and financial advisement. Furthermore, The Banking Act of
1979 allowed building societies to offer personal banking services, including check deposit accounts
and unsecured loans. This act dismantled the interest rate cartel in the UK, removing at least one
barrier to entry from the banking and mortgage industry. Now, the Big Four was pitted against the
building societies. Coupled with these legislative changes was a decrease in regulation of the
banking industry. All

Help Desk Support Essay
Technology has been integral to the development of society. From the invention of the first
telephone to the invention of the iPhone X, humanity has relied heavily on the existence of
technology in all aspects to benefit all of society. Technology is prevalent and with the number of
devices floating around the atmosphere, it's not uncommon to run into people who are unfamiliar
with a certain type of technology. It's also normal to see people who work with technology on a
daily basis running into problems with their devices. In a field that's changing rapidly, situations like
these are bound to arise. Fortunately, for those confused individuals that can't necessarily figure out
why their computer isn't working, there's a thing called Help Desk support. Help Desk support is a
place that the user can contact to help resolve issues that they run into with their devices or any form
of technology they're working with. Nearly every company one can find that deals with technology
has a help desk because there's so many devices out there, each with their own configuration. There
are different forms of help desk support and each of them come with their own benefits and
drawbacks.
Originally, before 1876 and the invention of devices such as the telephone, if a customer wanted
their computer issues resolved, they would have to take the telephone to the store where they
purchased the computer, or they would have to hope that they could fix the problem themselves.
Transportation wasn't

Bank Essay
Many people don't know what's the best bank for them in the future, so I am writing this to show
what bank will be best for me in the future. I am going to talk about 4 banks that would be good for
me. The 4 banks are 4Front credit union, Charlevoix State bank, Huntington, and 5/3rd bank. 4Front
credit union will be open Monday through Friday 9:00A.M.–5:00. They are open on Saturday from
9:00A.M. to 1:00P.M. Some of the locations for 4Front are East Jordan, Boyne City, Petoskey, and
Charlevoix. The next bank's hours that I'm talking about is Charlevoix State bank. The Charlevoix
State bank will be open Monday through Thursday 9:00A.M, to 4:00P.M. Friday they are open at
9:00A.M. to 6:00P.M. Saturday they open at 9:00A.M. and close at noon. ... Show more content on
Helpwriting.net ...
The NCUA covers up to $250,000. 4Front can give you loans. You can get pre–approvals before you
go shopping for what you want. There's no early payoff penalties. Theres the ability to have online
banking. All you need to have it sign up for online banking is the last 4 digits of your social security
and your date of birth.
Secondly bank I am talking about is Charlevoix State bank. The minimum balance for the savings
account is $50. There's no monthly service fee. The opening deposit is $50. You are always going to
need $50 in the savings account so it's a little harder to open an account in their bank. There's a 3
month early closing fee of $10. You can only have 6 pre–authorized transfers or withdrawals per
month, but if you use the ATM or go inside to talk to a person you have unlimited transfers and
withdrawals. The checking account has no minimum balance. There is no monthly service fee. The
opening deposit is $50 dollars, but you only need to have $5 in the checking account. You can write
as many checks as you want and you will not get feed for writing them. There's a free ATM and
Debit card. If there is no account activity for a year a monthly dormant account fee of $5 will be
assessed. There are mortgage loans, consumer loans, and commercial loans just to name a few.
There's free online banking, and telephone banking. The FDIC insures $250,000 for each account.
The third bank I am going to talk about is Huntington. The

Analysis Of The 7 Habits Of Highly Effective Teens
I am writing to you to show the appreciation I have for you self–help book, The 7 Habits of Highly
Effective Teens. I want you, the author, to see the effect your book has amongst the teen population
and how the techniques you used, including your writing styles, throughout the book, helped create
a personal relationship to the text. I also want to give you a realistic point–of–view of your story and
highlight some aspects that could use some improvement for better understanding. Overall, I
thoroughly enjoyed your book, therefore giving reason for me to write this letter to you. I myself am
a teen and reading your book changed my overall perspective on life. Your book is correctly notated
to today's teenage population as the text is certainly not boring. Your inclusion of numerous pictures,
graphs, activities, and diagrams on each page kept me engaged throughout. Each chapter in your
story delves in on each of the 7 habits. The technique to clearly outline and spread out each habit
allows for a sense of clarity for the reader. To spend 5–10 pages on each habit helps to ensure the
understanding for the reader. Before you went into detail on each habit, I found it really helpful how
you mentioned the 7 habits teens normally follow. By showing us, the readers, the negative habits
teens follow on a daily basis and its positive counterpart also allows for better interpretation. This
method allowed for me to compare and contrast the two and realize the habits I'm taking part in.

Microfinance And Financial Inclusion : Microfinance
4. Microfinance and Financial Inclusion:
Microfinance programmes are intended to reach poor segments of society as they lack access to
formal financial services. It, therefore, holds greater promise to further the agenda of FI as it seeks
to reach out to this excluded category of population. India has adopted the Bangladesh's model in a
modified form. The Apex–Bank NABARD started 'SHG bank linkage programme' during the last
decade of by–gone century, is by far the major programme initiative without parallel in any parts of
the world for achieving the FI. The programme has demonstrated across the country its effectiveness
in linking banks with excluded category of poor segments of population. In this process role of
NGOs in development is quite pronounced in providing the last mile connectivity as enablers and
catalyst between the SHGs and Village level co–operatives/banks. This is also supplemented by the
MFIs delivering credit. To alleviate poverty and to empower particularly women, the micro–finance
has emerged as a powerful instrument to serve the objective of FI in India. With availability of
micro–finance, self–help groups and credit management groups have also started in India. More
importance is being given to SHGs, since the micro lending to the group rather than individual
borrowers is more successful and in the process also making it to reach the goal of FI. All the
members of the group are equally benefitted and also the repayment by each member is guaranteed
by

Major German Retail Banks Assignment
Major German Retail Banks
The major banks in Germany are: * Deutsche Bank * Commerzbank (in German) * Postbank (in
German) * Dresdnerbank * Volksbank (in German) * Sparkasse (in German)
There are also many regional banks, such as the Berliner Bank or Hamburger Bank. The Savings
Bank (Sparkasse) and People 's Bank (Volksbank) also have regional branches, which are named
according to their location (for example Sparkasse Leipzig or Berliner Volksbank).
Banking technologies allow for online transactions, standing orders and the use of ATMs to make
bill payments. Cardholders of some banks may use others ' free of charge and the banks themselves
are becoming more open–plan, providing easy access to business ... Show more content on
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Current account holders will be issued with a separate EC card for their savings account. Depending
on the savings account, money can be withdrawn at any time or must be left for a specific period in
order for higher interest rates to come into effect. A standing order can be set up directly from the
account holder 's current account, or money transfers can be made directly into the savings account
from other sources.
Statements
Statements (Kontoauszüge) are normally sent once a month by post to account holders. They may
also be printed out at any time from bank terminals in branches of the account holder 's bank.
When reading a statement, money which has been credited to the account is indicated with H
(Haben) and money debited from the account is indicated with S (Soll).
Receiving money transfers
It is necessary to provide the sender with: * Account name * Account number * Sort code * Name of
bank * Swift code
Transfers from the same bank normally take effect on the same day; from other banks this process
can take up to five working days. Transfers from abroad require the international IBAN code, may
take longer and incur additional costs.
Transferring money to other accounts
The details required for money transfers (Überweisungen) are: * Account name (Kontoinhaber) *
Account number (Kontonummer) * Name of bank (Bank) * Sort code (Bankleitzahl) *

Is Online Banking A Good Thing Or A Bad Thing?
Is online banking a good thing or a bad thing? Online banking is now a part of almost all the banks
in the developed world, and even banks in developing countries, and in tax haven countries, are
getting online. They are reacting to market demand, and since demand is so high, it is fair to say that
online banking is currently a good thing and that it is probably here to stay unless there is a large
security breach that shatters people's confidence in online banking. Here are the pros and cons of
online banking. Pro – It Is A Convenient Way To Check Your Balance Being able to hop online and
see your balance is very convenient and is certainly better than having to wait for an email statement
or paper statement. It is also better than ... Show more content on Helpwriting.net ...
For example, you may have to dig out online statements and send them over, or may have to scan
your ID so you can send it over. There are often far more steps involved when signing up online and
opening your account online. Pro – There Is A High Degree of Ubiquity If you have a problem with
your account or your money, and even if you abroad, you are able to hop online and deal with it
yourself in some cases. This is possible because there are some banks, companies and financial
institutions that give you online tools to deal with your own problems. The fact the account is
accessible via the Internet means your current location doesn't have a negative effect (in some
cases), and you are subsequently able to access your account and fix things as you wish. Con –
Support Is Harder To Get If you sign up in a branch, then you can ask questions in the moment and
have the process explained to you. If you apply online, then you may have to call their customer
service department to get answers, plus they may ask you questions on the website that you do not
know the answer to, which means you have to contact their support team or check their FAQ
section. Pro – Transaction Speeds Tend To Be Faster When things happen as a result of your actions
online, you are not the one that actually "Actions" the transaction, but you are the one that sends the
instruction. This

Askari Bank: A Leading Pakistani Bank
Company Profile |Products |Sell Offers |Buy Offers |Contact Details | |Askari Bank, one of the
leading banks of Pakistan. The bank was founded in 1992, and in the 18 years since, our growth and
success patterns have far outgrown industry standards. Askari Bank has expanded into a nationwide
presence of 150 branches, and an offshore banking Unit in Bahrain. A shared network of over 1,100
online ATMs covering all major cities in Pakistan supports the delivery channels for customer
service. As on December 31, 2007, the bank had equity of PKR 12.27 billion and total assets of PKR
182.17 billion, with over 800,000 banking customers, serviced by 6,808 employees. We have
reinforced our products with new deposit schemes bearing competitive rates ... Show more content
on Helpwriting.net ...
An important program is six to eight weeks internship with any recognized institution.
I decided to take up Askari Bank Limited for my internship because it is a competing Bank
nowadays and gives a good training to the internees. So in order to learn more this was my choice.
This report is about my internship that I have undergone at Askari Bank Limited Multan Branch
from 2nd June 2008 to 18th July 08. During my internship I am able to learn practical aspect of
business, and get good working experience.
On the very first day of my internship I reported to Operation Manager Mr. Noor ul Islam. He gave
me small introduction of the Bank and introduced me to the staff of the Bank. Every internee is
rotated among the Bank's departments and so was I. This rotation is done in order to have general
concept regarding Bank's functions, operations and policies. In this rotation the stay in department is
usually a week. I have learned more about the Basic Banking, Credits and Foreign Trade department
and have given below the caption of activities I was involved in during the period of six weeks.
During my internship I found that Askari Bank is a best Bank in Multan because most of the Exports
and Imports in Multan are done through this Bank. Multan is one of the cotton growing cities of
Pakistan. Most of the businesses in Multan are directly or indirectly linked

Barclays At The Annual Report And Its Financial Statement
Introduction
The report is based on Barclays, looking at the annual report and its financial statement, which
would lead to creating a balance scorecard. That would include the four prospective of the key
performance indicator (KPIs). Furthermore, the use the KPIs to give a critical evaluation of
Barclay's performance with the use of the annual report and by researching and using the accounting
statements.
Company's Background
Barclays was founded in 300 years ago as a trading goldsmith banker by John Freame and Thomas
Gould. The company has three sectors to it as a banking, investment banking and investment
management. The company operates around 2,000 domestic braches and nearly around 850
international branches over 60 countries. ... Show more content on Helpwriting.net ...
Which are customer's perspective, financial perspective, internal financial process and learning and
growth within the business?
Customer perspective: This is used in the company to measure and manage the customers or client's
stratification with the company and to show how Barclays services is delivered to its customers and
clients (Charles Hannabarger, 2015). This can be used for new and existing customer, which would
provide the Barclays to look at cost, quality and services.
Financial perspective: It's used to measure the financial position of the company by using growth,
profitability and how well they maximising the shareholder wealth in terms of their profitability.
Internal process position: It looks at the internal operation and it facility and how it can be
improving effectively to achieve their financial and customer's objectives.
Learning and Growth: This aspect would lead the company to gain new skills, Knowledge,
Technology and product design etc., to maintain a competitive edge in their market of trade.
Customer perspective
As part of Barclays customers are more valuable assets, as one of the goal for Barclays is that they
want to be the 'Go–to' bank for customers and client within the next five years, this is done by
having a sustain forward momentum. Furthermore, having an essential banking service that
customer need across the sector, region and around the

A Brief Note On The Canadian Banking System
2. ORGANIZATIONAL CONTEXT
Introduction
Canadian banking system has shown itself as been one of the most robust systems in the world
(Ratnovski & Huang, 2009). Banking in Canada is widely considered the most efficient and safest
banking system in the world, ranking as the world 's soundest banking system during the global
economic crisis that started in 2007, according to the survey conducted by the World Economic
Forum.
Banks play a key role in Canada's financial system and economic development. The banking
industry includes 28 domestic banks, 24 foreign bank subsidiaries, 24 full–service foreign bank
branches and four foreign bank lending branches operating in Canada. (Source: Office of the
Superintendent of Financial Institutions as of January, 2014).
As major players in Canada 's financial industry, the banks serve millions of customers. They
include individuals, small and medium–sized businesses, large corporations, governments,
institutional investors and non–profit organizations.
Banks are among Canada's leading employers. In 2000 the industry employed over 235,000
Canadians and had a Canadian payroll of approximately $16.1 billion. In addition, in 2001 the six
major domestic banks paid $4.8 billion in taxes to all levels of government.
The major domestic banks offer a full range of banking, investment and financial services and
products. They have extensive, nation–wide distribution networks and also are active in the United
States, Latin America, the Caribbean,

What Is The Impact Of Technology On The Banking World
Date Technology's Impact on Society in the Banking World Technology 's impact on society has
changed in many areas of our lives. Technology has changed travel, you can now book your own
plane ticket without going to a traveler's agency, schooling you can take classes online, and have
access to doctors and medicine without having to leave your home. I chose to write about the topic
of banking. With the help of technology banks are able to reach out to more customers and provide
better services to them. How has technology affected the world of banking? What choices do we
have when it comes to our banking needs? With the advance technology, banking has become a 24
hours a day and seven days a week ability. Not too long ago banks were only open from 9:00am to
3:00pm, workers and businesses rushing to get to the bank before they close. Paychecks were
handed out personally not direct deposit, cashing or depositing a paycheck entailed a trip to the
bank. Now most companies have direct deposit and the printed paycheck is becoming a thing of the
past, this is only one example of how technology in banking has changed in society. The electronic
banking (e–banking) can be described as the automated method of new and traditional banking
services which reduce cost, and simplify front and backend process satisfying customers. (In
software engineering, the terms of "front end" and back end" are distinctions which refer to the
separation of concerns between a presentation

Background And Overview Of Digital Banking
2. LITERATURE REVIEW
2.1 Background and overview of digital banking
According to BBA (2014), if Alvin Toffler, author of the renowned "Future Shock", was to have
examined the evolution of banking services in the last decade, even he would have fallen far short in
terms of his forecast of customer delight in the present era of online banking. When Toffler wrote
his bestseller there were no credit cards, direct debits or unsecured personal loans. The only way to
withdraw your money from the bank was to write cheques and spend time in long queues at the bank
branches.
Today we are witness to a revolutionary landscape wherein keen competition and rapid innovation
in communication technology has driven away the lethargy and complacencies of ... Show more
content on Helpwriting.net ...
Similarly, banking products such as insurance, property and financial investments, which till a
decade or so ago required cumbersome processes and paperwork are now conveniently possible
with a few clicks on your mobile phones. Cash withdrawals have shifted from the branches to the
popular cash machines (ATMs) with their ubiquitous presence all over the country and in most
places around the World. This has resulted in shutting down of several bank branches and
corresponding cost reduction. The remaining branches are being retooled for branding and
merchandising in high streets as well as meeting places for retail customers dealing with more
complex products such as financial investments and mortgages. Whereas footfalls at bank branches
started falling in the 1990s with the spread of ATMs this trend was further augmented with the
Phone Banking service introduced around the same time which allowed customers to talk to a bank
representative 24/7 all days of the year for a range of services. This service became popular for
speedy and convenient service delivery, however, over the last few years is reported to being seen in
a decline as new technologies are taking over.
Until the 1970s institutional and regulatory restrictions placed on the functionality and activities of
banks prevented competitive pressure on the banks with little motivation for the closed industry

Atm Machine
An automated teller machine or automatic teller machine (ATM), also known as an automated
banking machine (ABM) in Canada, and a Cashpoint (which is a trademark of Lloyds TSB), cash
machine or sometimes a hole in the wall in British English, is a computerised telecommunications
device that provides the clients of a financial institution with access to financial transactions in a
public space without the need for a cashier, human clerk or bank teller. ATMs are known by various
other names including ATM machine, automated banking machine, and various regional variants
derived from trademarks on ATM systems held by particular banks.
Invented by John Shepherd–Barron, the first ATM was introduced in June 1967 at Barclays Bank in
Enfield, ... Show more content on Helpwriting.net ...
Gentile and Jack Wu Chang, underUS Patent # 3,833,885. On September 2, 1969, Chemical Bank
installed the first ATM in the U.S. at its branch in Rockville Centre, New York. The first ATMs were
designed to dispense a fixed amount of cash when a user inserted a specially coded card. A
Chemical Bank advertisement boasted "On Sept. 2 our bank will open at 9:00 and never close
again." Chemicals' ATM, initially known as a Docuteller was designed by Donald Wetzel and his
company Docutel. Chemical executives were initially hesitant about the electronic banking
transition given the high cost of the early machines. Additionally, executives were concerned that
customers would resist having machines handling their money. In 1995, the Smithsonian National
Museum of American History recognised Docutel and Wetzel as the inventors of the networked
ATM.
ATMs first came into use in December 1972 in the UK; the IBM 2984 was designed at the request
of Lloyds Bank. The 2984 CIT (Cash Issuing Terminal) was the first true Cashpoint, similar in
function to today's machines; Cashpoint is still a registered trademark of Lloyds TSB in the UK. All
were online and issued a variable amount which was immediately deducted from the account. A
small number of 2984s were supplied to a US bank. Notable historical models of ATMs include the
IBM 3624 and 473x series, Diebold 10xx and TABS 9000 series, NCR 1780 and earlier NCR 770
series.

The Cold Sassy Tree Research Paper
Inventions have affected and changed many people's lives. It is a constant use in humans lifestyles,
and they can adapt to technological devices very quickly. The Cold Sassy Tree by Olive Ann Burns,
described how people living in a productive time came to know of new technology, and how it
shaped the people of Cold Sassy. An invention that became known back then, was the telephone. Its
use was to communicate with others instantly and efficiently. A current invention that affected
people globally, was the cellphone. It can send messages and call anywhere he or she goes. These
technical inventions have built our world today.
Alexander Bell had designed the first telephone in 1876. He worked as a school for the deaf, and
attempted to create a ... Show more content on Helpwriting.net ...
Many people could talk to others that lived very far. It was more convenient, and everyone enjoyed
having one at home. Later on, in 1992, SMS or text messaging was developed by Neil Papworth.
Before, the mobile phone didn't have a keyboard but Papworth made it possible. Now, people could
send messages to their loved ones, and they didn't have to call. It was a faster way of reaching others
through messaging. In 2007, Steve Jobs announced the Iphone at the Macworld convention, and
caught many people's attention. The Iphone was more advanced than any other cell phone. It
allowed access to sending emails, the internet, and social media. It has many apps such as, a Safari
engine, weather, news, banking, reminders, and other helpful tips. These are some of the reasons
why cell phones have affected many lives of today.
In conclusion, inventions have changed many lives of the people. In the past,
Alexander Bell had invented the first telephone for better communication, and he had inspired many
great inventors. Those creators would then invent efficient and rapid ways of communication for
people to talk with others at home or anywhere they travel. The first telephone has evolved since the
time Bell invented it. Now, many people have access to useful information, and it has become one of
the world's important creations of all

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

Advantages And Disadvantages Of Telephone Interview
At the same time phone interview has the disadvantages which are the followings: the person who
takes the interview does not have an opportunity to see the opposite side, also it is not good to spent
too much time during the telephone interviews, and finally researcher has limit on asking questions
(it means that it will be better if interviewer prepare the necessary and require questions before, and
he should ask questions precisely related to the topic. (Gillham, 2005)
The telephone interview will go in the following way. Fortunately the researcher is an intern in Yapi
Kredi Bank Netherlands, or in other words the external consultant of the bank. He will via phone the
Yapi Kredi Bank Azerbaijan from Amsterdam. Based on YKBAZ organizational policy all the
individuals asked the interviewer to do not use their names in the research proposal, so interviewer
will respect their desires and keep the confidentiality process (Professional ... Show more content on
Helpwriting.net ...
Give the key points which help to motivate employees during the working process? (General
opinion)
5. Does the manager play an important role in motivating employees? If yes explain how? If now
explain why, you think so?
Answers to these question will open the way to the researcher to understand the effectiveness of
motivation in working process. Interviewer is barely sure that all the answers will be different, and
that point is positive. Another important part all the interviewees will be from various departments.
Secondary data– is the data that helps you to collect more information concerning to the research,
and it has own relevance. The key point of this data is the connection with primary data, where it
plays the supplement role. Also secondary data give an opportunity to researcher to gain materials
about the standard mechanism for guiding research work (Patzer, 1995)
Concerning to work student will use the following secondary data

Essay On A Career
Determining a career that will guarantee a person jobs is a hard deal to find in today's society.
Education is getting expensive to get and jobs require a lot of experience to pay you a good deal of
money. Many career have been failing due to new technology innovation and many career are high
in demand. People are unsufficient to decide whether to chose something they like or whether to do
that will make them earn more money. However, in all this career battle, we forget to ask one main
question: Are we happy with our career choices? This model of life is very twisted. What careers we
chose impact us for the rest of our lives. Therefore, we have to be careful and judgemental when it
comes to making these decisions. A person should only do what he or she would like to do;
therefore, they should find a career that helps earn more money and something that they enjoy
doing. Ever since I was a kid, I wanted to become a business entrepreneur like my father. In this
further essay, I will talk about why I chose this career, what is career requirements, and what are the
future goals for me in this field.
There are uncounted numbers of careers that are highly in demand, but like my father, I want to be
business investor. As growing up, whenever someone asked me that what I wanted to be?; I said
many different things at many different times. After watching some inspiring film, I picked up that
movie character and made his profession my career choice. However, those are all

Bank Regulations : The Backbone Of The U.s. Economy
As I have stated before bank regulations are in place to be the backbone of the U.S. economy.
Therefore, we live in a system that affects us every day. Banks have certain requirements and
instruments that help them stay open and be profitable. In the 1990s, interstate banking was finally
permitted to create nationwide banks of unprecedented size. Congress 's also attempted to force
banks to make home loans to people who had limited creditworthiness. These regulations are a
major factor in why as many banks failing and disappearing today as we did pre Federal Reserve
System.
Bank regulations are based on a general core of principles. Banks have two important economic
functions. First, they operate a payments system, in which a modern ... Show more content on
Helpwriting.net ...
Banks make their profits and cover their expenses simply by charging borrowers more for loans than
they pay depositors to keep their money in the bank. So simply put, charging high interest rates and
distributing a low interest return. The intermediation function of banks is extremely important
because it helped to finance the American economy.
Two major focuses of banking supervision and regulation are the safety and soundness of financial
institutions and compliance with consumer protection laws. In order to measure the safety and
soundness of a bank, an examiner's job is to provide on–site examination review of the bank 's
performance based on its financial condition and current management, as well as its compliance
with regulations. The rating system used by the examiner is called the CAMELS rating system
which helps measure the safety and soundness of a bank. Each letter of the CAMELS system stands
for one of the six components of a bank's condition: capital adequacy, asset quality, management,
earnings, liquidity and sensitivity to market risk. The first component, capacity measures the
borrower's ability to pay a debt, this component measures both the borrower's income to debt ratio
and the payment source of the borrower. Next is collateral, collateral reviews the bank's options if
the loan is not paid based on the asset 's that a borrower may possess. Then the

Marketing Sense Of Strategy : Barclays And The National...
Marketing sense of strategy I
Student Name
Student ID INTRODUCTION
The comparison of two different banks reflect the differentiation and common points among the
locals banks of Egypt and International banks such as; Barclays and the National bank of Egypt.
Barclays is considered as one of the leading multinational firm originated from United Kingdom and
has operations in several different countries whereas National bank of Egypt is one of the oldest
commercial banks origins from Egypt. It is considered as a universal bank with different sub
categories. NBE has 338 branches within the country. The comparison of the SWOT analysis and
business positions would analyze the sights and core values of both the banks. However, there might
be the case that one of the two banks has more advantages and differentiation strategies over the
other. The analysis would critically examine and portray the image that is being perceived by its
consumers. The suggestion would be recommended in order to achieve a higher position and level in
the banking industry. The critical understanding and reviewing of both the well–known banks would
provide the understanding and the company profile would be compared, the operations and profile
analysis would show the results and recommendations. BARCLAYS INTERNATIONAL:
Barclays is a multinational company originated in London, United Kingdom. The core strategy of
Barclays is to build as a transatlantic consumer, investment, and corporate banking

Financial Crisis Evolution Of Bank Capital
TABLE OF CONTENT:
Introduction 2
Defining Bank Capital 2
Measure of Bank Capital
How Capital Absorbs Risk 2–4
Covers Credit Risk
Prevents Liquidity Problems
Manages Operational Risk
Restricts banks from taking excessive risk
Manipulation of Capital Standards 4–7
Quality of Capital Resources
Internal Rating Based (IRB) approach under Basel–II
Securitization
Credit Derivatives ... Show more content on Helpwriting.net ...
Capital in banks play an essential role of helping banks remain solvent by absorbing losses caused
due to stress conditions. In this paper, we shall analyse how capital helps banks manage their risk,
what led to banks failing during the financial crisis and what measures have been adopted to avoid
(or better manage) such situations in future.
DEFINING BANK CAPITAL
Banks' capital is defined to be the difference between the assets and liabilities of a bank.
It is the net worth of the bank or its value to investors. It is stated along the liabilities side of the
balance sheet.
Main characteristics of bank capital
No contractual repayment requirements: Unlike other liabilities, bank capital is perpetual. As long as
bank continues to be in business, it is not obliged to repay the shareholders.
Low priority in case of bankruptcy: In case of insolvency or bankruptcy, capital investors only
receive what remains after paying all the creditors. Capital generally ranks low in case of claims as
compared to most of the other claimants.
Constituents of bank capital
Tier 1 Capital also known as core capital includes permanent shareholders' equity and disclosed
reserves.
Tier 2 Capital (supplementary capital) includes undisclosed reserves, revaluation reserves, general
provisions, hybrid capital instruments and subordinate term debt subject to certain conditions.

Financial Risks Of Online Banking
2.2 Fraud risks in online banking
The threat landscape
The section above traced the evolution of the banking industry's adoption of IT based innovations
with the aim of offering a suite of products and services to delight their retail and corporate
customers and to gain cost reduction and market share. Whilst these developments have grown the
market universe exponentially it has also created opportunities for crime syndicates and fraudsters to
take advantage of the wider canvas and customer ignorance thrown up by the variety of online
banking applications. According to Financial Fraud Action UK (2014), in the first six months of
2014, losses on remote banking fraud rose to £35.9 million, up 59 per cent from 2013 in the U.K.
Online banking fraud comprised £29.3 million of that total, up 71 per cent from 2013. This has
made the online banking service retailers sensitive to the erosion in their profits as well as the
increased levels of anxiety in customers. To arrest this trend the banks are constantly endeavouring
to evolve their payment and transaction rules in the hope of thwarting the criminal and fraud activity
and to stay ahead. The fraudsters are never far behind as they constantly shift their focus from the
well defended to less defended targets or the weakest links in the market. With time to market
pressures the banks often launch new products and services without adequate safeguards or defence.
Indeed, the newness of the services, and the unknowns about how

Internationalization of Deutsche Bank Essay
Table of Content
Introduction 1
1. The Beginning of Deutsche Bank 1
2. Reconstruction Due to First And Second World War 4
3. Internationalization 4
4. Becoming a Global Player 5
5. Conclusion .6
Introduction
Deutsche Bank, an international universal bank, was internationally active a short time after its
foundation. The bank's early decades were a period of rapid expansion. With its growth Deutsche
Bank seemed to be unstoppable. But with the beginning of the First and Second World War the
vision to offer a financial services throughout the world was destroyed. Fortunately, the year of 1957
has the status of a second birthday of Deutsche Bank. From this day on, after its reconstruction, the
bank becomes active in retail ... Show more content on Helpwriting.net ...
This was followed by further participations for example Hannoverschen Bank or the shareholding of
Essener Credit–Anstalt in 1903. The large numbers of participations helped to strenghten Deutsche
Bank's position by taking influence of the regional banks.
In 1914 Deutsche Bank rethought their strategy once again. As the banks biggest competitors,
Dresdner Bank and Diskonto–Gesellschaft had, at that time, a great network of branches in
Germany they wanted to establish their presence with their own name.
Following the merger of Deutsche Bank and Bergisch–Märkischen Bank in 1914 and
Norddeutschen Creditanstalt and Bergisch–Märkischen Bank in 1917 Deutsche Bank became the
biggest universal bank in the world with roughly 40 branch offices. Over the next years many
mergers, participations and stock swaps followed. In 1929 The biggest ever merger in German
banking history creates the "Deutsche Bank und Disconto–Gesellschaft". The concentration
throughout the industry and the increasing costs were the main reasons for this merger. Due to this
strategy Deutsche Bank was able to establish a branch network all over Germany. This merger
increased the number of branches to roughly 300 branch offices.[3]
2. Reconstruction Due to First And Second World War

Unfortunately, the First and Second World Wars destroyed Deutsch Bank's branch network and
business activities.The WWI

The Two Main Functions Of MCB Bank
3.1 Functions of MCB
Basically there are two basic categories of functions of MCB Bank, which are as follows:
1. Principal Function
2. Auxiliary
3.1.1 Principal Function:
The principal functions are basically the core functions of the bank that is the lifeblood of bank,
which are:
1. Acceptance of Deposits
2. Financing
3.1.2 Deposits:
There are basically two types of deposits and their nature varies due to time factor, which are:
1. Demand Deposits
2. Time Deposits
3.1.3 Demand Deposits:
The demand deposits have no legal restriction on drawing of the deposited amount and the cash is
readily available on demand without any conditions.
Demand deposits are further classified into categories:
1. Current Deposits
2. Saving Deposits
3.1.4 Current Deposits:
The current ... Show more content on Helpwriting.net ...
3.2.3 Collection of Dividends:
The bank provides a very useful service in the collection of dividends or interest earned on stocks
and shares held by his customers. The customer is simply to inform the issuer of the securities that
the interest on the securities is to be credited to his account in the bank.
3.2.4 Purchase and Sale of Securities:
MCB is authorized by the customer, purchase or sale securities on his behalf and thus adds other
benefits to his portfolio.

3.2.5 Transfer of Funds:
MCB also transfer funds of the customers from one bank to another bank. If the transfer is at one
station, they don't charge any commission and even if they charge, they charge on reduce rates.
3.3 Principles of Performance
3.3.1 Customer Focus
Over the years MCB has developed strong relationships with its customers by understanding their
needs and treating them with respect, dignity and importance. The driving force behind its
commitment and services is its focus on customers, ensuring that it not only meets, but exceeds their

This Section Analyses The Internationalisation Process
This section analyses the internationalisation process the case firm "Beta. Beta is one of the
Nigerian "new generation banks". The Nigerian new generation banks are banks that were
established in the 1990's and grew rapidly to become top banks in the country. "Beta" evolved and
expanded rapidly in the 1990's and in the early 2000s to become one of the largest banks in Nigeria
with a strong present in the West African region and a subsidiary in the UK. This case firm is chosen
because of the following reasons, (a) Beta is one of the top banks in Nigeria (b) the bank have
internationalised with subsidiaries in several countries outside Nigeria (c) the bank is one of the
pioneer of foreign expansion of the Nigerian firms (d) the bank ... Show more content on
Helpwriting.net ...
By 1999 about 144 banks were in operation and by the end of 2003, a total of 89 banks with 3,282
branches network across Nigeria. According to Adeleye, Iheanachor, Ogbechie, and Ngwu (2015),
these banks were weak in both structure and operations comprising of low capital base, weak
insolvency, and illiquidity, poor ratings and asset quality; oligopolistic structure and weak corporate
governance. The banks were also overdependence on public–sector funds and income from foreign–
exchange trading as they also lack the capacity and capability to support growth in the real sector of
the economy.
As a result, the sector was confronted by rampant bankruptcies, collapse, and breakdown of several
banks. This was a source of concern for the regulators and the general public because several
customers and investors lost their life savings to dubious bank operators. The appalling situation in
the sector leading to 2004 compelled the bank regulators "Central Bank of Nigeria (CBN)", to
decisively intervene to restore the public confidence in the banking sector and the financial system
of the country (B. Adeyemi, 2011). In 2001, a deregulation in banking sector saw the in the issuance
of universal banking licences to several of banks to operate as retail bank

Case Study Of International Business Management
LABUAN SCHOOL OF INTERNATIONAL BUSINESS AND FINANCE
UNIVERSITI MALAYSIA SABAH
LABUAN INTERNATIONAL CAMPUS
ASSIGNMENT
COURSE: INFORMATION TECHNOLOGY FOR BANKING MANAGEMENT
CODE : GB 31103
Name Matrix no.
Cheng Khai Ling (L) BG 12110059
Lilien Choong Hooi Hyit BG 12110236
Low Xin Yi BG 12110263
Chu Vui Kien BG 12110090
Yap Chun Hien BG 12110596
Chong Vui Fatt BG 12110081 Value Chain
A value chain is a chain of activities that a firm operating in a specific industry performs in order to
deliver a valuable product or service for the market. The concept comes from business management
and was first described and popularized by Michael Porter (Porter, 2013)
Above figure is retrieved from Standard Chartered Bank Value Chain, same as Porter's value chain,
it start with inbound logistics, operations, outbound logistics, marketing and sales and service. All of
those are known as primary value chain. Next will be the support activities that consist of
procurement, technological and development, human resources and infrastructure. ... Show more
content on Helpwriting.net ...
Example like call–offs to suppliers for supply, material handling and warehousing, but in all banks
include Standard Chartered Bank itself, the raw material will be the money and the gathering fund
will be the gathering activity in this level. Bank can collect fund or capital by selling deposit
services, issue bonds, or borrowed from Capital Bank or in this case the suppliers of the raw
materials (moneys).

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