The document summarizes the key topics to be covered in a special executive briefing on the banking and lending outlook for 2010, including issues facing banks and borrowers. The briefing will be hosted by Access National Bank on February 19, 2010 from 12:00 noon to 1:30 pm at the Tower Club in Tysons Corner, Virginia. The guest speaker will be Michael Clarke, CEO of Access National Bank, who will discuss the banking and lending outlook for 2010 and what it means for small businesses.
State of the Commercial Real Estate Market Chicago April 2012EDR
The document summarizes 10 key trends in the commercial real estate market and forecasts for 2012. It finds that property transactions are on an upward trajectory, with multifamily attracting the most demand. Commercial mortgage-backed securities are recovering after a dry spell in 2011. Lending from banks, life insurers, and government-backed entities is thawing. Risk aversion increased in 2011 but commercial real estate investment trusts have large war chests for acquisitions. Phase I environmental site assessments increased 7% in 2011 but growth varied significantly by metro area. The forecast anticipates a busy year for commercial real estate with both positive and uncertain forces, including maturing loans, available equity, and gradual increases in lending originations.
Community Directed Interventions to Improve Malaria in Pregnancy Control Serv...jehill3
The document summarizes a community-directed intervention project in Nigeria to improve malaria control among pregnant women. Key points:
- The project trained community volunteers to provide intermittent preventive treatment (IPTp) and insecticide-treated bednets in their communities, in addition to clinic services. This increased access to malaria prevention and treatment.
- Evaluation found higher uptake of IPTp and bednets in intervention areas compared to control areas relying solely on clinics. However, stockouts of commodities and user fees reduced impact.
- Community involvement through volunteers was effective but regular support is needed. Advocacy is also key to ensure free services and continuous supply of medicines and bednets.
The CanWell Program was a demonstration project that created and delivered a community-based exercise and education program for cancer patients. It showed that transferring cancer-related exercise knowledge and skills to community partners like the YMCA allowed for an effective and safe program in a local setting. The pilot program saw statistically significant improvements in walking ability and quality of life for participants, with no increase in pain or symptoms. The CanWell model provided an innovative approach to collaborative, community-based cancer care.
The proposal summarizes a plan to revive sales of JPC hair care brands through a multi-year "Great Model Search" promotion. Key elements include a model search contest with local and national components, retail promotions, and a celebrity-filled broadcast event to select winners. An integrated online and offline marketing campaign will drive consumers to stores and build the JPC brand as contemporary and celebratory of black beauty. The budget outlines professional fees and execution costs to launch the initial promotion.
The document discusses symmetry and lines of symmetry. It defines symmetry as an attribute of a shape where there is an exact reflection of form on opposite sides of a dividing line. A line of symmetry is described as a line that divides a figure into two halves that are mirror images of each other. Examples of objects and nature photos are provided to identify lines of symmetry.
State of the Commercial Real Estate Market Chicago April 2012EDR
The document summarizes 10 key trends in the commercial real estate market and forecasts for 2012. It finds that property transactions are on an upward trajectory, with multifamily attracting the most demand. Commercial mortgage-backed securities are recovering after a dry spell in 2011. Lending from banks, life insurers, and government-backed entities is thawing. Risk aversion increased in 2011 but commercial real estate investment trusts have large war chests for acquisitions. Phase I environmental site assessments increased 7% in 2011 but growth varied significantly by metro area. The forecast anticipates a busy year for commercial real estate with both positive and uncertain forces, including maturing loans, available equity, and gradual increases in lending originations.
Community Directed Interventions to Improve Malaria in Pregnancy Control Serv...jehill3
The document summarizes a community-directed intervention project in Nigeria to improve malaria control among pregnant women. Key points:
- The project trained community volunteers to provide intermittent preventive treatment (IPTp) and insecticide-treated bednets in their communities, in addition to clinic services. This increased access to malaria prevention and treatment.
- Evaluation found higher uptake of IPTp and bednets in intervention areas compared to control areas relying solely on clinics. However, stockouts of commodities and user fees reduced impact.
- Community involvement through volunteers was effective but regular support is needed. Advocacy is also key to ensure free services and continuous supply of medicines and bednets.
The CanWell Program was a demonstration project that created and delivered a community-based exercise and education program for cancer patients. It showed that transferring cancer-related exercise knowledge and skills to community partners like the YMCA allowed for an effective and safe program in a local setting. The pilot program saw statistically significant improvements in walking ability and quality of life for participants, with no increase in pain or symptoms. The CanWell model provided an innovative approach to collaborative, community-based cancer care.
The proposal summarizes a plan to revive sales of JPC hair care brands through a multi-year "Great Model Search" promotion. Key elements include a model search contest with local and national components, retail promotions, and a celebrity-filled broadcast event to select winners. An integrated online and offline marketing campaign will drive consumers to stores and build the JPC brand as contemporary and celebratory of black beauty. The budget outlines professional fees and execution costs to launch the initial promotion.
The document discusses symmetry and lines of symmetry. It defines symmetry as an attribute of a shape where there is an exact reflection of form on opposite sides of a dividing line. A line of symmetry is described as a line that divides a figure into two halves that are mirror images of each other. Examples of objects and nature photos are provided to identify lines of symmetry.
Mike Weber from PGAV Planners presented on several topics related to TIF planning and closeout. He discussed the differences between property tax and sales tax TIFs, the importance of planning for TIF closeout by developing revenue and obligation projections. He also reviewed the process for distributing any surplus funds at the end of a TIF according to statutory requirements. Key questions around combining property and sales tax TIFs or handling revenue received after TIF termination were also discussed.
XMS Company created websites for Gleerups, a major Swedish publisher, including an online bookstore with a shopping cart built with JavaScript and CGI scripts. They also developed intranet systems like BookBase using JavaScript, Informix SQL and Netscape Enterprise Server for managing a publishing database, and XMS IntraBase for contacts, projects and documents. Additionally, they created a multimedia website for an art exhibition at Norrkoping Museum using interactive elements.
This travel guide provides information for visitors traveling to Renaissance Italy. It includes a directory listing the various sections of the guide. Sections include a map of Italy, recommendations on cities to visit like Florence, Venice and Rome, how to get around via land and water transportation, local customs and manners, fashion trends of the time, popular attractions and activities, accommodations, cuisine, health and safety, biographies of famous Renaissance figures, and a bibliography. The guide aims to give travelers new ideas and expose them to the art and culture of Renaissance Italy.
This document describes the custom wood furniture business of Christian Vigurs Designs located in Raheen Wood, Tuamgraney, Co Clare. The business creates solid wood furniture out of various types of wood like alder, maple, cherry, oak, and pine. Items include kitchens, church furniture, staircases, tables, dressing rooms, and storage units. Photography is provided by Damien Mullaney and the business contact information is listed.
The document discusses mother tongue education and its benefits, noting that using children's home language in early primary grades improves learning outcomes, access, and retention compared to only using the secondary language. It provides examples from Papua New Guinea and Zambia where community-based mother tongue education programs were established, finding significant increases in literacy in both the home language and secondary languages. The success of these programs demonstrates that early mother tongue education can be cost-effective and improve educational outcomes when communities are engaged and teachers are properly trained.
Haal meer uit Google, met onder andere zoekmachine optimalisatie (SEO) en Google AdWords (SEA).
Op Acquisitie Bootcamp hield ik een presentatie over online marketing en dan vooral over zoekmachine marketing.
Met een aantal handige tips die je met de eerste stapjes op SEO gebied helpen en op het gebied van Google AdWords.
Spreker online marketing nodig? Neem gerust contact op via http://xpertmarketing.nl/contact/
Collaborative inquiry should be used as an ongoing process to inform planning and decisions using data, not as a separate activity. Leaders who use data well see schools as able to make a difference through changing practices to better serve and teach all students. The model focuses on changing schools through collaborative analysis and insight that leads to new learning and improvements.
- LiST (Lives Saved Tool) is a mathematical model that estimates the impact of scaling up maternal, newborn and child health interventions in low-income countries.
- It uses country-specific health and demographic data as well as evidence-based effectiveness estimates for 68 interventions to predict changes in mortality rates.
- LiST has been used globally and in several countries for strategic planning, evaluating the impact of interventions, and estimating lives saved by health programs.
The document discusses how the printing industry is shifting from focusing on internal processes to focusing on customers and their processes by digitizing operations, automating workflows, and integrating print with the web and social media. It suggests printers explore opportunities on the internet and social media, and consider exhibiting at technology or web-focused trade shows instead of traditional printing trade shows to sell solutions instead of just printed products.
Cross Platform Apps with Windows 8 & Windows Phone 8Brent Edwards
Windows 8 and Windows Phone 8 now run on the same kernel. What does that mean for you, the developer? Two platforms, one codebase! With a little planning, much of your app code can be re-used between both platforms. In this session, we’ll take a look at useful patterns, tips, and tricks to get you writing one codebase that works across both Windows 8 and Windows Phone 8.
Long ago in China, the Jade Emperor held a swimming race between 13 animals to determine the order of the zodiac. The cunning rat pushed the cat off the ox's back and won the race, with the ox finishing second. The other animals finished in this order: tiger, rabbit, dragon, snake, horse, goat, monkey, rooster, dog, boar, and the cat was last after being pushed into the water by the rat. This established the 12-animal Chinese zodiac that is still used today.
Fis strategic insights vol 2 september 2011Paul McAdam
1) Community banks enjoy higher customer satisfaction and loyalty than large banks, but lag in cross-selling additional products to existing customers. On average, community bank customers only have 2.61 deposit and loan services compared to 3.13 for large bank customers.
2) This is largely due to community bank customers having lower incomes and education levels on average. Community bank customers make $48,948 annually compared to $58,266 for large bank customers.
3) To close the cross-selling gap, community banks will need to address this strategic disadvantage related to customer affluence, in addition to expanding their product offerings and marketing capabilities.
Relationship Banking 2.0: Sustained Profitability in a Time of TurmoilPaul McAdam
The retail banking industry is undergoing a dramatic transformation. Originally built on a business model valuing proximity, rigid product selection and face-to-face interactions, it is rapidly evolving to a customer-centric model in which consumers can get personalized information and services on demand with a few chocks of a mouse or, increasingly, a few taps on a smartphone screen. The shift to this consumer-centric perspective is the cornerstone of the profitable relationship-driven model.
Market Research Report : Banking Industry in China 201Netscribes, Inc.
For the complete report, get in touch with us at : info@netscribes.com
Netscribes (India) Pvt. Ltd., a knowledge consulting solutions company, announces the launch of its Banking Industry in China 2011 report covering an industry with strong growth potential. Supportive regulatory policies and control are strongly benefiting the development of this market. The entry of foreign players also propels the growth of this sector making it one of the leading markets in the global scenario. China Banking Regulatory Commission (CBRC) has helped banks to successfully broaden their business through an increase in non-interest income lately by introducing a number of pilot programmes. From an international perspective, Chinese banks have continued their international expansion largely through organic growth via the opening of international branches and subsidiaries.
The report begins with an introduction to the banking industry in China, distinguishing the regulatory bodies and the various types of banks. The industry overview section begins with an insight into the overall banking industry in China along with its segmentation. It further delves into the total deposits and loans, total assets and liabilities and owner’s equity of banking institutions in China.
This is followed by a section on key performance indicators, evaluating the industry’s performance on the basis of key financial ratios specific to banks. It covers loan-to-deposit ratio, capital adequacy ratio, non-performing loan ratio, provision coverage ratio and profitability.
Foreign ownership in China’s banking industry has been covered along with growth of foreign institutions and their assets, segmentation, performance of foreign banking institutions, major foreign investments by Chinese banks and major foreign investments in Chinese banks. It also covers entry strategies for foreign players, typical acquisition process, and major acquisition challenges and solutions for foreign players.
An analysis of macroeconomic policies explains the industry’s significance on an economic basis and includes macroeconomic environment of China’s banking sector, adjusting the pace of credit supply, supporting economic restructuring and industrial upgrading, and participating in national policy formulation.
This is followed by the banking reform development section which covers China’s banking reform development, segment-wise reform policies, opening up of the banking sector, financial innovation and regulation, and implementation of BASEL II and BASEL III norms.
The future outlook section highlights the scope for the banking sector in the near future and includes supervisory focus of CBRC in 2011, medium-to-long term banking sector outlook and mitigation of risks in the banking sector.
The competitive scenario in the Chinese banking industry includes brief profile of the major domestics and foreign banks in China (including the “Big Four” banks).
The document discusses how specialty finance firms have filled gaps in credit availability left by major banks since the recession. Specialty finance provides credit to consumers and small businesses through non-traditional means. It plays a critical role by extending credit to higher risk borrowers who cannot access capital through traditional banks. The document outlines different types of specialty finance like consumer loans, asset-based lending, and crowd funding that provide alternative sources of capital for borrowers and investment opportunities.
Mike Weber from PGAV Planners presented on several topics related to TIF planning and closeout. He discussed the differences between property tax and sales tax TIFs, the importance of planning for TIF closeout by developing revenue and obligation projections. He also reviewed the process for distributing any surplus funds at the end of a TIF according to statutory requirements. Key questions around combining property and sales tax TIFs or handling revenue received after TIF termination were also discussed.
XMS Company created websites for Gleerups, a major Swedish publisher, including an online bookstore with a shopping cart built with JavaScript and CGI scripts. They also developed intranet systems like BookBase using JavaScript, Informix SQL and Netscape Enterprise Server for managing a publishing database, and XMS IntraBase for contacts, projects and documents. Additionally, they created a multimedia website for an art exhibition at Norrkoping Museum using interactive elements.
This travel guide provides information for visitors traveling to Renaissance Italy. It includes a directory listing the various sections of the guide. Sections include a map of Italy, recommendations on cities to visit like Florence, Venice and Rome, how to get around via land and water transportation, local customs and manners, fashion trends of the time, popular attractions and activities, accommodations, cuisine, health and safety, biographies of famous Renaissance figures, and a bibliography. The guide aims to give travelers new ideas and expose them to the art and culture of Renaissance Italy.
This document describes the custom wood furniture business of Christian Vigurs Designs located in Raheen Wood, Tuamgraney, Co Clare. The business creates solid wood furniture out of various types of wood like alder, maple, cherry, oak, and pine. Items include kitchens, church furniture, staircases, tables, dressing rooms, and storage units. Photography is provided by Damien Mullaney and the business contact information is listed.
The document discusses mother tongue education and its benefits, noting that using children's home language in early primary grades improves learning outcomes, access, and retention compared to only using the secondary language. It provides examples from Papua New Guinea and Zambia where community-based mother tongue education programs were established, finding significant increases in literacy in both the home language and secondary languages. The success of these programs demonstrates that early mother tongue education can be cost-effective and improve educational outcomes when communities are engaged and teachers are properly trained.
Haal meer uit Google, met onder andere zoekmachine optimalisatie (SEO) en Google AdWords (SEA).
Op Acquisitie Bootcamp hield ik een presentatie over online marketing en dan vooral over zoekmachine marketing.
Met een aantal handige tips die je met de eerste stapjes op SEO gebied helpen en op het gebied van Google AdWords.
Spreker online marketing nodig? Neem gerust contact op via http://xpertmarketing.nl/contact/
Collaborative inquiry should be used as an ongoing process to inform planning and decisions using data, not as a separate activity. Leaders who use data well see schools as able to make a difference through changing practices to better serve and teach all students. The model focuses on changing schools through collaborative analysis and insight that leads to new learning and improvements.
- LiST (Lives Saved Tool) is a mathematical model that estimates the impact of scaling up maternal, newborn and child health interventions in low-income countries.
- It uses country-specific health and demographic data as well as evidence-based effectiveness estimates for 68 interventions to predict changes in mortality rates.
- LiST has been used globally and in several countries for strategic planning, evaluating the impact of interventions, and estimating lives saved by health programs.
The document discusses how the printing industry is shifting from focusing on internal processes to focusing on customers and their processes by digitizing operations, automating workflows, and integrating print with the web and social media. It suggests printers explore opportunities on the internet and social media, and consider exhibiting at technology or web-focused trade shows instead of traditional printing trade shows to sell solutions instead of just printed products.
Cross Platform Apps with Windows 8 & Windows Phone 8Brent Edwards
Windows 8 and Windows Phone 8 now run on the same kernel. What does that mean for you, the developer? Two platforms, one codebase! With a little planning, much of your app code can be re-used between both platforms. In this session, we’ll take a look at useful patterns, tips, and tricks to get you writing one codebase that works across both Windows 8 and Windows Phone 8.
Long ago in China, the Jade Emperor held a swimming race between 13 animals to determine the order of the zodiac. The cunning rat pushed the cat off the ox's back and won the race, with the ox finishing second. The other animals finished in this order: tiger, rabbit, dragon, snake, horse, goat, monkey, rooster, dog, boar, and the cat was last after being pushed into the water by the rat. This established the 12-animal Chinese zodiac that is still used today.
Fis strategic insights vol 2 september 2011Paul McAdam
1) Community banks enjoy higher customer satisfaction and loyalty than large banks, but lag in cross-selling additional products to existing customers. On average, community bank customers only have 2.61 deposit and loan services compared to 3.13 for large bank customers.
2) This is largely due to community bank customers having lower incomes and education levels on average. Community bank customers make $48,948 annually compared to $58,266 for large bank customers.
3) To close the cross-selling gap, community banks will need to address this strategic disadvantage related to customer affluence, in addition to expanding their product offerings and marketing capabilities.
Relationship Banking 2.0: Sustained Profitability in a Time of TurmoilPaul McAdam
The retail banking industry is undergoing a dramatic transformation. Originally built on a business model valuing proximity, rigid product selection and face-to-face interactions, it is rapidly evolving to a customer-centric model in which consumers can get personalized information and services on demand with a few chocks of a mouse or, increasingly, a few taps on a smartphone screen. The shift to this consumer-centric perspective is the cornerstone of the profitable relationship-driven model.
Market Research Report : Banking Industry in China 201Netscribes, Inc.
For the complete report, get in touch with us at : info@netscribes.com
Netscribes (India) Pvt. Ltd., a knowledge consulting solutions company, announces the launch of its Banking Industry in China 2011 report covering an industry with strong growth potential. Supportive regulatory policies and control are strongly benefiting the development of this market. The entry of foreign players also propels the growth of this sector making it one of the leading markets in the global scenario. China Banking Regulatory Commission (CBRC) has helped banks to successfully broaden their business through an increase in non-interest income lately by introducing a number of pilot programmes. From an international perspective, Chinese banks have continued their international expansion largely through organic growth via the opening of international branches and subsidiaries.
The report begins with an introduction to the banking industry in China, distinguishing the regulatory bodies and the various types of banks. The industry overview section begins with an insight into the overall banking industry in China along with its segmentation. It further delves into the total deposits and loans, total assets and liabilities and owner’s equity of banking institutions in China.
This is followed by a section on key performance indicators, evaluating the industry’s performance on the basis of key financial ratios specific to banks. It covers loan-to-deposit ratio, capital adequacy ratio, non-performing loan ratio, provision coverage ratio and profitability.
Foreign ownership in China’s banking industry has been covered along with growth of foreign institutions and their assets, segmentation, performance of foreign banking institutions, major foreign investments by Chinese banks and major foreign investments in Chinese banks. It also covers entry strategies for foreign players, typical acquisition process, and major acquisition challenges and solutions for foreign players.
An analysis of macroeconomic policies explains the industry’s significance on an economic basis and includes macroeconomic environment of China’s banking sector, adjusting the pace of credit supply, supporting economic restructuring and industrial upgrading, and participating in national policy formulation.
This is followed by the banking reform development section which covers China’s banking reform development, segment-wise reform policies, opening up of the banking sector, financial innovation and regulation, and implementation of BASEL II and BASEL III norms.
The future outlook section highlights the scope for the banking sector in the near future and includes supervisory focus of CBRC in 2011, medium-to-long term banking sector outlook and mitigation of risks in the banking sector.
The competitive scenario in the Chinese banking industry includes brief profile of the major domestics and foreign banks in China (including the “Big Four” banks).
The document discusses how specialty finance firms have filled gaps in credit availability left by major banks since the recession. Specialty finance provides credit to consumers and small businesses through non-traditional means. It plays a critical role by extending credit to higher risk borrowers who cannot access capital through traditional banks. The document outlines different types of specialty finance like consumer loans, asset-based lending, and crowd funding that provide alternative sources of capital for borrowers and investment opportunities.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Developments i...spirecorporate
Gregg Marshall, Global Head of Mobile Transaction Services at Western Union, presented on developments in digital cross-border and domestic money transfers. The presentation covered Western Union's current business model, which relies heavily on cash-to-cash consumer transfers. It outlined key strategic growth areas like digital services and partnerships with mobile network operators (MNOs). It also discussed challenges in adopting mobile money transfers and factors contributing to mPesa's success in Kenya, like a hands-off regulator and focus on adoption and customer service. The presentation concluded by stating Western Union's goal of $500 million+ in digital revenue by 2015.
The document discusses the Indian banking sector. It notes several advantages for banking in India including a growing population and incomes that will propel demand, as well as the vast unbanked population that provides opportunities for innovation. Total assets in the banking sector are projected to grow from $1.5 trillion in 2011 to $28.5 trillion by 2025. The structure of the Indian banking sector is outlined, and it is noted that the credit off-take in the sector has grown steadily at a CAGR of 19.9% from 2006 to 2011 due to strong economic growth, rising consumerism, and income levels.
The document provides information about State Bank of India (SBI), the largest bank in India. It discusses SBI's history, products, services, competitors, SWOT analysis, segmentation, targeting, and positioning. Specifically, it notes that SBI was nationalized in 1955 and currently has over 60,000 branches, making it the largest bank in India in terms of assets, branches, deposits, and profits. It provides details on SBI's various banking products and services, as well as an analysis of its strengths, weaknesses, opportunities, and threats. The document also describes how SBI segments and targets different customer groups based on geography, age, income, and occupation.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
The document discusses two loan guarantees between USAID and EcoBank in Ghana from 2003 to 2008 and 2005 to 2012. It finds that the guarantees helped EcoBank expand lending to new sectors and industries, provide larger and longer-term loans, and increase lending to SMEs substantially. However, most of EcoBank's lending growth was due to its own strategy rather than the guarantees, which had a modest impact due to representing a small number of sectors. The guarantees gave EcoBank experience that informed but did not dramatically change its lending practices.
The document discusses two loan guarantees between USAID and EcoBank in Ghana from 2003-2008 and 2005-2012. It finds that the guarantees helped EcoBank expand lending to new sectors and provide longer term loans, but that EcoBank's overall lending growth was driven more by its retail banking strategy than the guarantees. The guarantees had a modest demonstration effect on broader banking sector lending but did not significantly impact total SME lending growth in Ghana.
- EcoBank implemented two DCA loan guarantees with USAID to increase lending to small and medium enterprises (SMEs) in Ghana.
- EcoBank used the guarantees to gain experience lending to new industries and borrowers, and to provide larger, longer-term loans for capital expenditures.
- While EcoBank significantly increased its SME lending, most of the growth was part of its broader strategy and not directly attributable to the guarantees, which accounted for a small portion of the SME portfolio.
Citibank is one of the largest international banks, with retail banking operations in over 160 countries. During the 2008 recession, Citibank lost billions from the subprime mortgage crisis and was forced to cut staff, relocate employees, and seek federal financing to avoid collapse. Currently, Citibank faces threats like eroding customer trust and stagnant revenue growth. However, opportunities exist to retain customers through improved digital offerings and gain market share through strategic acquisitions. Citibank's goals are to regain customer trust, boost top-line revenue, and strengthen risk management practices.
Private banking in India has expanded since the 2008 financial crisis as India's wealth has grown. However, the industry continues to be limited by regulations and technology. After 2008, Indian investors became more aware of global investment products and began demanding more sophisticated services from their private banks. In response, Indian banks have begun offering products more in line with global private banking, focusing on alternative investments and distributing third-party products. However, the industry still needs improvements in infrastructure, human capital, and regulatory support to meet global standards.
Private banking in India has expanded since the 2008 financial crisis as India's wealth has grown. However, the industry remains limited by regulatory and technological factors. After 2008, Indian investors became more aware of global investment products and began demanding more sophisticated services from their private banks. In response, Indian banks have begun offering products more in line with global private banking, focusing on alternative investments and distributing third-party products. However, further development is needed to meet global private banking standards.
This document is a case study on Yes Bank, an Indian bank that collapsed in 2020. It provides an index and sections on the company profile, risk profile, factors that led to the bank's downfall, solutions to risks, and recommendations. The company profile describes Yes Bank's founding in 2004 and rapid growth in lending. The risk profile section outlines how the bank accumulated bad loans without proper provisions and had a low provision coverage ratio. The downfall was caused by risky investments in unprofitable companies, low provisions for bad loans, and a credit deposit ratio over 100% as customers withdrew funds. The solution involved government intervention and investment from SBI and other banks. Recommendations focus on underlying issues in India's financial system
This document summarizes My Client's plan to reallocate $2.9 million from its microfinance portfolio in Southern Sudan to Tanzania. Lower-than-expected demand in Southern Sudan has resulted in a smaller-than-projected loan portfolio. The reallocation plan projects that My Client will reach 88% of its original growth plan for number of borrowers by 2015 based on updated assumptions. It extends the repayment of loans to the Africa Loan Fund to 2017 to avoid default. The plan maintains My Client's development programs and preserves its relationships with investors.
The document discusses the declining role of World Bank lending in middle-income countries and proposes ways to address the problem. It notes that World Bank lending to MICs has significantly declined in recent decades. While MICs still face development challenges, the Bank is constrained in supporting them. There are many reasons for the lending decline, including shifts in Bank priorities and procedures. Progress has been made to facilitate more lending, but more can be done, such as expanding financial intermediation lending and adapting instruments for sub-national governments.
1) According to a 2012 report, 11% of consumers with a primary banking relationship were likely to switch banks that year, putting an estimated $675 billion in deposits at risk.
2) Large banks like Citi and Bank of America faced the highest risk of losing customers to bank switching due to fees charged.
3) To attract and retain customers, the report recommends that banks leverage mobile banking and bridge online and in-person services, while smaller banks and credit unions emphasize personal relationships.
Yellow Gray and Black Minimalist industries Presentation.pptxSheejaSherry1
ICICI Bank is one of India's largest private sector banks. It was founded in 1994 and has grown to have over 6,000 branches across India. The presentation provides an overview of ICICI Bank, including its key business areas of retail, SME, and rural banking as well as wholesale and treasury operations. It also analyzes ICICI Bank's financial performance, stock market data, and compares it to peers in the banking sector.
Similar to Access National Bank Executive Briefing 2010 Banking Outlook - Growth Capital Event (20)
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
The Impact of Generative AI and 4th Industrial RevolutionPaolo Maresca
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy Visa
Access National Bank Executive Briefing 2010 Banking Outlook - Growth Capital Event
1. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital WHERE The Tower Club
Educational Series Tysons Corner, Virginia 20176
Host David Loughran
Vice President Commercial Lending
Sponsored by
dloughran@accessnationalbank.com
Access National Bank Guest Speaker Michael Clarke
Progressive Business Banking
CEO Access National Bank
www.accessnationalbank.com
(703) 871-2100
Topic BANKING AND LENDING OUTLOOK FOR 2010
What it means for small business
RSVP rkirkpatrick@accessnationalbank.com
2. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital
ISSUES FACING BANKS
Educational Series
Liquidity & Credit availability is constrained
Sponsored by
•System is under pressure to de-leverage
Access National Bank
Progressive Business Banking
www.accessnationalbank.com •Investors & Management want to payback TARP
(703) 871-2100
•Capital is being hoarded in anticipation “fix” by Congress
•Easy liquidity is gone, increased scrutiny, cost and
conditions
3. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital ISSUES FACING BANKS
Educational Series
Profitability under pressure
Sponsored by
•Carrying FDIC cost to absorb record failures
Access National Bank •Cost of capital and debt to banks is on the rise
Progressive Business Banking
www.accessnationalbank.com
(703) 871-2100 •Banks are absorbing record loan losses
•Regulatory & audit burdens on the rise
•Overhead cost reductions & layoffs
4. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital ISSUES FACING BANKS
Educational Series
Bank appetite varies borrower and type of loan
Sponsored by
•Indigestion Categories
Access National Bank Commercial Real Estate – Income Producing
Progressive Business Banking Land acquisition and development
www.accessnationalbank.com Construction Loans
(703) 871-2100
Residential Equity Loans
Non-prime residential mortgages
Consumer loans
•Appetite remains at healthy banks for
Commercial & Industrial Loans
Prime Residential
5. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
ISSUES FACING BANKS
Growth Capital
PR and Expectations Challenged
Educational Series
•New business has taken a back seat
Sponsored by
•Internally focused on problems and cost saving measures
Access National Bank
Progressive Business Banking •News stream is ALL negative
www.accessnationalbank.com
(703) 871-2100
•Banks have been declared the “villains’” of this crisis
•TARP-ed and feather-ed
•Best to keep head down and lay low
6. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Issues Facing Borrowers
Growth Capital Managing through the “Great Recession”
Educational Series
•No easy task – stress at all levels
Sponsored by
•Sales volume, margins under pressure
Access National Bank •Good accounts go bad
Progressive Business Banking
www.accessnationalbank.com
(703) 871-2100 •Trade credit more difficult
•Bank credit more difficult
•Asset values are down
•Cash flow constrained
7. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Issues Facing Borrowers
Educational Series
Sponsored by At the Bank: Rates and fees up
Access National Bank •Fees increased for no apparent reason
Progressive Business Banking
www.accessnationalbank.com
(703) 871-2100
•Basic Loan rates increased
•Default rates more prevalent
•Floor rates of interest imposed
8. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Issues Facing Borrowers
Educational Series
Fine Borrowers are being asked to take loans elsewhere
Sponsored by
•Now, the wrong loan type or industry
Access National Bank
Progressive Business Banking
•Bank’s own financial difficulty
www.accessnationalbank.com
(703) 871-2100
•Borrower had an off period and the bank over-reacts
•Bank Credit Policy changed: more restrictive
9. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Issues Facing Borrowers
Growth Capital
Educational Series Terms, conditions and monitoring are tighter
Sponsored by •Economic conditions, increased loan losses
capital restrictions have made banks more conservative
Access National Bank
Progressive Business Banking •Hot points for operating companies
www.accessnationalbank.com
(703) 871-2100
Financial reporting – frequency & reliability
CPA statement quality – audit/review/compilation
Personal guarantees
Spouses
Minority partner
Collateral Adequacy
10. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Issues Facing Borrowers
Educational Series
Terms, conditions and monitoring are tighter
Sponsored by
•Covenant compliance enforcement
Access National Bank Financial ratios
Progressive Business Banking
Significant changes in the business
www.accessnationalbank.com
(703) 871-2100 Acquisitions
Other debt
Change in ownership
Litigation
Relocation of headquarters or state of incorporation
11. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Your Bank’s Health & Focus
Educational Series Have Never Been More Important
Sponsored by •Adverse credit/business conditions are more
likely about the bank vs. the borrower
Access National Bank
Progressive Business Banking
www.accessnationalbank.com •Banks have preferences for loan types and industries
(703) 871-2100 but don’t do a very good job of communicating
•Large banks are moving middle market
companies to call center management
12. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Your Bank’s Health & Focus
Growth Capital
Educational Series
Have Never Been More Important
•Bank Health Check
Sponsored by
Is it profitable?
Access National Bank
Progressive Business Banking Is stockholders equity at least 8% of total assets?
www.accessnationalbank.com
(703) 871-2100
Is management and ownership stable?
Is bank staff in tune with the health and priorities of the
bank?
Did the bank take TARP?
13. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Is There Good News?
Educational Series Solutions for Small Business Capital Needs
Sponsored by
•Credit IS available: re-think how you evaluate credit offers
Access National Bank
Progressive Business Banking •Strongest relationships are forged and tested in difficult times
www.accessnationalbank.com
(703) 871-2100 •Well managed banks are healthy and interested
•Industry types concentrated in DC metro are in favor
14. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Is There Good News?
Educational Series Solutions for Small Business Capital Needs
Sponsored by
•Stimulus – Mezzanine Financing
Access National Bank
Progressive Business Banking SBIC’s get more liquidity
www.accessnationalbank.com
(703) 871-2100
Cash flow based loans
Ideal for acquisitions, management buyouts, etc
15. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Is There Good News?
Educational Series Solutions for Small Business Capital Needs
Sponsored by •Stimulus – SBA loans
Qualification rules relaxed
Access National Bank Guaranty percent increased to encourage banks
Progressive Business Banking
www.accessnationalbank.com SBA fees are waived
(703) 871-2100 Limit increase from $2 to $5 million pending
Ideal for turnarounds, acquisitions refinance or
strategic growth
16. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Contact Information
Educational Series Mike Clarke, CEO
Access National Bank
Sponsored by
703-871-2101
Access National Bank mclarke@accessnationalbank.com
Progressive Business Banking
www.accessnationalbank.com
(703) 871-2100
David Loughran, VP
Access National Bank
703-871-2119
dloughran@accessnationalbank.com