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Banking Essay Topics & Paper Examples

Problems Identified By The Narasimham Committee

1. Directed Investment Programme : The committee objected to the system of maintaining high liquid assets by commercial banks in the form of cash, gold and unencumbered government securities. It is also known as the statutory liquidity Ratio (SLR). In those days, in India, the SLR was as high as 38.5 percent. According to the M. Narasimham’s Committee it was one of the reasons for the poor profitability of banks. Similarly, the Cash Reserve Ratio- (CRR) was as high as 15 percent. Taken together, banks needed to maintain 53.5 percent of their resources idle with the RBI. 2. Directed Credit Programme : Since nationalization the government has encouraged the lending to agriculture and small-scale industries at a confessional rate of…

Banking Regulation

Financial regulation relates to laws and rules that govern what financial institutions such as banks, brokers and investment companies can do. These may be set though legislation or be stipulated by the relevant regulatory agency, for instance the FSA in the UK . Regulation is needed to ensure consumer’s confidence in the financial sector . It does this by providing smaller retail clients with protection against potential losses and by protecting consumers against monopolistic exploitation , e.g. makes sure product pricing doesn’t happen. There are several types of regulation . Systematic Regulation is concerned with the safety and soundness of the financial system. It relates to Deposit insurance , which is a guarantee that all or part of the amount…

Activities of Investment Banking

The Investment bank is the financial institution which assists the governments, corporations and the individuals in raising the capital by acting or underwriting as the agent of the client in issuance of securities. The investment bank can also help the companies which are involved in acquisitions and mergers, and offer ancillary services like the trading of the derivatives, market making, foreign exchanges, instruments of the fixed income, equity securities and commodities. Unlike the retail banks and commercial banks, the investment banks don’t take the deposits. There are commonly two main channels in the process of investment banking. Trading the cash for securities like market making, facilitating transactions or for cash or for the promotion of the securities like research, underwriting…

Banking – Regulatory changes

Regulators, in their continuous efforts to follow best banking practices to combat money laundering and terrorist financing to prevent the possible use of the banking sector for money laundering, terrorist financing, transfer of illegal/ill-gotten monies and other white collar crime, has come up with specific guidelines, for the financial institutions. In line with the international best practices, to maintain consistent and focused approached within banking sector, central bank/ regulators have issued comprehensive documents. Governments identifying the increasing trend of financial crimes in the industry have finally promulgated Anti-Money Laundering Ordinances, which accorded legislative support to take stern action against the culprits involved into such activities. Compliance with all country’s laws and regulations is a primary responsibility of the bank and…

Performance Evaluation of Banking Industry in Bangladesh

Banking is an essential industry that affects the welfare of all other industry and the economy as a whole. In fact, growth and development of a country significantly depend on the level of growth and development attempted by the banking sector. There is a consensus regarding the positive role played by the financial sector in promoting economic development (Gerschenkron, 1962; Patrick, 1966; Galbis, 1977). In Bangladesh, banking sector has flourished a lot compared to other sectors of the economy. But the role of this key sector in national development is not satisfactory. There is not only an extremely strong capital stock but the rate of capital formation is also very meager. The current rates of domestic savings and investments as…

Pros and Cons of Mobile Banking

Many major commercial banks are now offering consumers the choice to make deposits, send money, and perform other routine tasks using a mobile app. Bank customers can now use a smartphone or tablet for basic transactions like check deposits and bill payments, making it easier to keep an eye on finances without a trip to the ATM. Mobile banking is indeed a tempting offer, but some consumers are rightly worried about the additional security risks; a recent report by viaForensics gave a “Pass” rating to just 14 of the 32 financial applications tested for security, and eight of these applications failed the test altogether. Keeping information safe on your mobile device You might dislike standing in line to deposit a…

Electronic banking

Electronic banking is sometimes defined as the provision of retail and small value banking products and services through electronic channels. It is also often used to describe processes in which customers can perform banking transactions without visiting a brick and mortar institution. Other innovations have taken place such as phone and internet banking which again provide customers the ability to access banking services from various locations and at a 24-hour by 7-days basis. At end-June 2004, 57 banks (41 domestic banks and 16 foreign banks) provided electronic banking services. Out of the 57 banks, 36 were universal and commercial banks (85.7 percent of the 42 operating universal and commercial banks) and 21 were thrift banks (23.6 percent of the 89…

Customer Relationship Management in Bahrain Investment Banking Arena

The banking industry has undergone widespread changes within the operating environment and this involves globalization of markets and technological improvements. These two factors have influenced and encouraged innovative practices within the banking industry that has served to enhance its operational efficiency. The introduction of ATMs and e-banking facilities are some of the major milestones in the banking industry that have revolutionized business operations. The global markets have intensified the competitive environment of the banking industry that has created the need for increased efficiency in operations and increasing customer satisfaction. Customers are the lifeblood of any organization and the banking business too depends on the acquisition and retention of consumers for its profitability. Customer relationship management forms a vital aspect of…

Impact of Foreign Banks on Banking in Emerging Economies

Increased technology and innovation International banking in emerging–market have some advantages from the technology and innovation. The advanced technology and innovation system could even surpass the conventional technology and innovation. For example, they could improve productivity, increase in market and increase the competition and so on . Innovations in customer experience and superior customer service delivery, network integration. (Infosys 2000). For example, the internet and computer system have a useful communication system to connect the consumer and bank. In daily life, customer often use the mobile phone, computer transfer the money. At the same time, innovation and technology is a lower cost of the banking system in the emerging market. The increased technology and innovation in emerging market may help…

Investment Banking

1. Why were proponents of deregulation so successful in the late 1990s? How much can we blame deregulation for the meltdown in the investment banking industry, and how could the government have foreseen and/or stopped the domino effect before the crisis of 2008?s The gov could have decided to not back up what they were not regulating. They are partly to blame for the crisis because who knows if the banks would have issued the loans they issued and taken on huge amounts of risk if they didn’t have the guarantee of the banks behind them. 2. Could any one of the investment banks have remained competitive without following the industry trend of taking on increasing amounts of leverage to…

Separation of Commercial Banks and Investment Banks

One of the key concerns growing out of the debate on whether to separate or merge retail banking and wholesale/investment banking activities has been the stability of a nation’s banking system. The experience of the US banking system has suggested that merge of commercial and investment banks is a better approach to achieving stability. After the global financial crisis, the American economy went into recession. The policy priority of American government was then to intervene into its banking system so as to mitigate the impact of the crisis. One advantage of the merger of banks is that it can improve the overall condition of the economy (Khan, 2012). The merger of banks unites small and weak unit banks which will…

Porter 5 Forces Analysis

Porter’s 5 Forces Analysis of the Retail Banking Industry in Australia Retail banking can be defined as an industry where financial institutions offer mass market banking in which individual customers use local branches of larger commercial banks. Services offered include savings and checking accounts, mortgages, personal loans, debit/credit cards. Retail banking aims to be the one-stop shop for as many financial services as possible on behalf of retail clients. Some retail banks have even made a push into investment services such as wealth management, brokerage accounts, private banking and retirement planning. While some of these ancillary services are outsourced to third parties, they often intertwine with core retail banking accounts like checking and savings to allow for easier transfers and…

Hi: Strategic Management

1. Company background and purpose a. General background of the company The HSBC Group is regarded as one of the largest financial and banking corporation in the global market. The Group has around 10,000 offices in 83 nations and territories in Asia-Pacific Refion, Europe, United States of America, the Middle East and Africa and the serves over 130 million customers with assets of US$ 2,354 billion as of December 2007. The Hong Kong ad Shanghai Banking Corporation Group was established in 1865 to finance the growing trade between China and Europe, and is one of the largest banking and financial services organizations in the world. Its international network comprises over 9,500 offices in 76 countries and territories in Europe, the…

Information and computer technology on banking

For over a decade, the rapid advancement in information and communication technology has significantly affected the banking industry. The banking sector has embraced the use of technology to serve its client’s faster and also to do more with less. Emerging technologies have changed the banking industry from paper and branch based banks to “digitized and networked banking services”. Unlike before, broadband internet is cheap and it makes the transfer of data easy and first. Technology has changed the accounting and management system of all banks. And it is now changing the way how banks are delivering services to their customers. However this technology comes at a cost, implementing all this technology has been expensive but the rewards are limitless. The…

External environment for banking industry

Standard Chartered is the world’s leading emerging markets bank headquartered in London. Standard Chartered employs 30,000 people in over 500 locations in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, the United Kingdom and the Americas. It is one of the world’s most international banks, with a management team comprising 70 nationalities. Standard Chartered has been committed to Hong Kong and China for nearly 150 years. Standard Chartered Bank opened its first branch in China in 1858 and is the oldest foreign bank in the country. The Bank has operated in Hong Kong since 1859 and has been issuing Hong Kong banknotes since 1862. Standard Chartered PLC listed on the Stock Exchange of…

The Great Depression: Causes

When Herbert Hoover was inaugurated as the thirty-first President of the United States early in 1929, the nation was enjoying unprecedented prosperity. But by the end of the year, the stock market had crashed and the country was headed for the Great Depression. President Hoover tried to fight the Great Depression, but as he neared the end of his term, the American economy was in its worst state yet, and many fearful citizens wanted a leader who would do more to alleviate the crisis. They found that leader in Franklin D. Roosevelt, who promised the nation a “New Deal” and with that promise won the election of 1932. Roosevelt’s New Deal had profound effects upon American history. Although it was…

The Primary Purpose Of Financial Markets

Borrowers and lenders of funds use financial markets for buying necessary goods or for saving. Borrowers (or deficit units) require funds and this is provided by lenders (or surplus units). Generally deficit units will require large amounts of funding for buying goods such as cars or houses, however most surplus units will not have enough money to lend out to them standalone. Because of this, a financial institution is used to facilitate the flow of funds from the lender to the borrower. A financial institution such as a bank or credit union will have a large number of small-fund savers at any one time and a small number of large-fund borrowers. Provided that borrowing and saving is spread out over…

Cord Blood And Tissue

1. Would you consider banking your baby’s cord blood and tissues? Explain your decision. Yes I would consider banking my baby’s cord blood and tissues. It is said that Cord blood has been used to treat many life-threatening diseases including leukemia, other cancers, blood disorders, metabolic disorders, and immune diseases (CBR Systems, 1995-2014). I think it would be worth the try. 2. What are the general differences between private and public cord blood banks? Most private facilities provide an opportunity for donors to store their cord blood. This is in the hope that if, in the future, a member of their family becomes sick with a stem cell treatable disease, there might be a perfectly matched unit available to them….

Blood Donation

Abstract Blood donation is dependent on the goodwill of people, to voluntarily donate blood, without financial reward. There is a continuous need for new blood donors, because the demand for donor blood is increasing, whereas the supply of blood is declining. Only 3% of the eligible population members actually donate blood. This leaves an enormous potential blood donor base, which if tapped into and maintained could lead to an adequate reserve of donations to meet the transfusion needs of this country. The focus of this paper will be on how social marketing can be effective in increasing blood supply. Understanding and facilitating the recruitment and retention of blood donors is the major contribution that the social and behavioral sciences can…

Commerce Bank Case

Executive Summary Commerce Bank has been a pioneer in the banking industry by returning to customer service. This has driven customers to the bank, but in order to stay ahead on the curve they want to move away from the model that has worked for them. An analysis was performed regarding whether their new concept of “retailtainment”, entertaining customers throughout the banking service process, would be beneficial or not. After thorough consideration, it was determined that “retailtainment” was not the best way to improve Commerce’s quality of service. Commerce should focus on their former centralized model and enhance it, rather than change it. Background Commerce Bank is a New Jersey-based bank founded in 1973 by fast food franchiser Vernon Hill….

South West Cross Bank

Towards the end of the 1990s, much of the European retail banking industry was facing unprecedented levels of competition. This was partly the result of excess capacity (many towns had four or more bank branches within 100 metres of each other) and partly triggered by the presence of aggressive new entrants, including insurance companies and other retailers, such as supermarkets. Many of the new retail banks concentrated on a few simple financial products such as current accounts, deposit accounts and mortgages, in contrast with most conventional banks (like South West Cross Bank) that offered hundreds or even thousands of different products. At the same time, new delivery systems such as telephone and Internet banking were being introduced. South West Cross…

Environmental Analysis of Barclays Bank

EXECUTIVE SUMMARY Banks are central to every society; they provide the funding that facilitates business and entrepreneurship, support a sound financial system, and help to create jobs and wealth. Banks in the UK operate in a highly competitive, globalised but lightly-regulated environment. They face increasingly well-informed and ‘energetic’ customers, determined legislators, and electorates who are becoming environmentally aware. They have to adapt to changing economic and market conditions, fast changing consumer needs and expectations. Their business is influenced by global economic, political, regulatory, technological and other unpredictable factors. Consequently, they have to device their strategies, policies and operations to adapt to these changes in order to meet stakeholder expectations and satisfy consumer needs. In this assignment, I try to describe…

Online hotel reservation system

1.0 INTRODUCTION The main purpose that banks have been serving since their inception iskeeping our money safe for us. While keeping our money safe, they also letus earn a certain amount of interest on the money deposited with them. Traditional banks have been doing this, and internet banks continue thesame function. The only difference is in the way the transactions are made.We all know about internet banking and most of us use it quite often as well,but few of us actually understand about the history of internet banking andhow it all came out. Knowing the history of internet banking can be incrediblyuseful, especially since it will allow us to have more respect for the littlethings that we take for granted.Computers…

Banking internarnal analysisl and exte

Australia’s banking history can be described in four eras, the private banks, the commonwealth banks, the reserve bank and deregulation. Australian’s first bank was founded in 1817, the Bank of New of New South Wales. The main purpose of this bank is to take deposits and re-loaned the money by providing discounts of exchanged. Since there is no central bank, each private bank are taking their own risk and a lot of private banks stood and fall from its credit. As long as the bank’s assets were believed to be credible, its notes were freely accepted until the alarming incident happened. Two Thirds of the total banking Assets in Australia closed because of the failure of fraudulent land banks in…

Report on NMB

Tribhuvan University, Faculty of Management (FOM) commenced Bachelors of Business Administration (BBA) program as a distinct approach of attaining both theoretical knowledge and practical exposure. This university is the oldest university in Nepal and since its establishment it has been providing excellent education to the students. It provides a wide range of streams in the educational sector among which management education holds a major position. It introduced the Bachelor in Business Administration (BBA) program in the year 2001/02 with an objective of producing middle level managerial professionals. It has designed the BBA course in such a way that the students are facilitated to know the real business situations in the global context. An internship program under the BBA is mainly…

Demat and its importance

In India, shares and securities are held electronically in a Dematerialized (or “Demat”) account, instead of the investor taking physical possession of certificates. A Dematerialized account is opened by the investor while registering with an investment broker (or sub-broker). The Dematerialized account number is quoted for all transactions to enable electronic settlements of trades to take place. Every shareholder will have a Dematerialized account for the purpose of transacting shares. Access to the Dematerialized account requires an internet password and a transaction password. Transfers or purchases of securities can then be initiated. Purchases and sales of securities on the Dematerialized account are automatically made once transactions are confirmed and completed. IMPORTANCE: A demat account also helps avoid problems typically associated…

Derivative market

INTRODUCTION The Indian Financial System is tasting success of a decade of financial sector reforms. The economy is surging and has gathered the critical mass to convert it into a force to reckon with. The regulatory framework in India has sparked growth and key structural reforms have improved the asset quality and profitability of banks. Growing integration of economies and the markets around the world is making global banking a reality. Widespread use of internet banking has widened frontiers of global banking, and it is now possible to market financial products and services on a global basis. In the coming years globalization would spread further on account of the likely opening up of financial services under WTO. India is one…

Hdfc Bank

The first modern bank was founded in Italy in Genoa in 1406, its name was Banco di San Giorgio (Bank of St. George). Many other financial activities were added over time. For example banks are important players in financial markets and offer financial services such as investment funds. In some countries such as Germany, banks are the primary owners of industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of cross share holding entity known as zaibatsu. In France “Bancassurance” is highly present, as most banks offer insurance services (and now real estate services) to their clients. 1.2 DEFINITION: The definition of a bank…

Impact of Electronic Banking System

1.0Background of the Study The new millennium brought with it new possibilities in term of information access and availability, simultaneously, introducing new challenges in projecting sensitive information from some eyes, whiles making it available to others. Today’s business environment is extremely dynamic and experience rapid changes as a result of technological improvement, increased awareness and demands Banks to serve their customers electronically. Bank have traditionally been in the forefront of harnessing technology to improve their products and services. The Banking industry of the 21st century operates in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic climate. Information and communication Technology (ICT) is at the centre of this global change curve of Electronic Banking system…

Lloyds Bank plc

Introduction Lloyds Bank plc is a British retail bank with branches across England and Wales. It has a history stretching back to 1765 when John Taylor and Sampson Lloyd started a private banking business in Birmingham. The bank operated from a single office in the town until the 1860s when the bank embarked on a period of rapid growth. In 1995 Lloyds merged with TSB and later began trading as Lloyds TSB. Following the start of the financial crisis in 2007, Lloyds TSB was bailed out by the UK government which purchase a 43% share in the bank. (BBC, 2013) As a condition imposed by the European Commission regarding state aid, the group later announced that it would create a…