Banking Essays

Competition and business can never be separated. Various organizations are frequenting the market day in day out in search of clientele. In a competitive marketing environment, it is not enough to win customers for your products. Marketers are required to be awake at all times, devising and implementing strategies not …

Introduction The government has proposed imposing windfall profit tax on bank that benefited form Trouble Assets Relief Program (TARP) funds, as a mitigating factor to respond to the recent economic crisis.  The recent economic crisis has been described as the worst since the Great depression. Since 2007, economic meltdown, which …

Internet banking is the new revolution in banking. Since commercialization of internet in 1980s, there has been a great revolution in e-commerce and e-banking has become an important aspect of service provision by financial organizations. Millions of customers are today making transactions online and they don’t have to go to …

Introduction The credit crunch began when the US sub prime mortgages went under and triggered a spiral effect in the economies around the world. This was followed by the falling value of houses in Britain that has continued unabated to this day.  Northern Rock succumbed to the crisis in September …

The ongoing investment banking crisis is hereby being addressed from Porter’s Five Model perspective. The five forces have somehow contributed to the current crisis. The open entry and exit from the competitive financial industry has continued to pressure existing firms to improve quality of services and products supplied to the …

1. Multinational bank ICB Banking Group has presence in 14 countries of Africa, Asia and Europe. Recently it has expanded its horizon to Lao PDR. and Malawi. 2. Brand value ICB Islamic Bank is a member of ICB Financial group holding AG of Switzerland and was awarded so many times …

Between 01.04.93 to 31.03.2001Commercial banks incurred a total amount of Rs.31251 Crores towards provisioning NPA. This has brought Net NPA to Rs.32632 Crores or 6.2% of net advances. To this extent the problem is contained, but at what cost? This costly remedy is made at the sacrifice of building healthy …

Europe’s financial services sector is rapidly developing. Universal banks, investment banks, insurance companies, `bancassurance’ conglomerates, card issuers and payment systems, back offices and front offices – all are affected. And the pace of change is accelerating. One of the agents of change is Europe’s much debated and sometimes derided new …

Model Use For consistency, we developed a spreadsheet model for the case. However, in class we emphasize financial calculator solutions for learning the basics of the model and use the spreadsheet application for sensitivity analysis to determine how changes in the variables affect the results. There is some danger that …

Answer the following question in the box below: Identify the lessons learned from the prior global banking crisis? What should be done to prevent such a crisis from happening again? After so much worldwide financial turmoil, learning the right lessons from the global banking crisis is a challenge for the …