We use cookies to give you the best experience possible. By continuing we’ll assume you’re on board with our cookie policy

Bank Essay Examples

Traditiona banking vs modern banking

...The management of the Bank is under the Managing Director who is supported by Eight (8) functional Directorates namely Finance, Banking Operations, Credit, Information Technology, Internal Audit, Legal Services, MD’s Office and Human Resources & Administration, each headed by a functional Director. The functional directors are assisted by managers. The branches are managed by Branch Managers reporting to Director of Banking Operations. Current staff compliment stands at 250 employees where...

o Cooperative Bank of Oromia CBOCooperative Bank of Oromia commenced banking operations in

...o Cooperative Bank of Oromia (CBO)Cooperative Bank of Oromia commenced banking operations in 2005, focusing on cooperatives and agro-based businesses in Ethiopia. Headquartered in Addis Ababa, the bank operates in more than 289 branches and employs 3,138 agents across the country. Its Revenue is: ETB 1.08 billion (2016), Net income: ETB 39.12 million (2016) and Total assets: ETB 10.69 billion (2016) (www.coopbankoromia.com).1.1.2 CRM and Banking IndustryCRM includes Comprehensive strategies and ...

Separation of Commercial Banks and Investment Banks

...Moreover, the moral hazard issue may also be addressed by government regulations of the financial market such as by requirements that banks must retain sufficient capital on account to compensate for losses and liabilities. The examples above demonstrate that government interventions in the banking system may effectively solve these anticipated problems of bank merger. In short, compared to bank separation, bank merger provides a better approach to fostering a stable and healthy financial system...

Exim Bank, Commercial Bank and Ecgc Functions

...5.Selling or discounting export bills in international markets. 6.Discounting of export bills negotiated or purchased by a scheduled bank or financial institution notified by government, or granting loans and advances against such bills. 7.Providing refinance facilities to specified financial institutions against credits extended by them for specified exports or imports. 8.Granting loans and advances or issuing guarantees solely or jointly with a commercial bank for the import of goods and servi...

Comparison of Islamic Banking and Conventional Banking

...Islamic law considers a loan to be given or taken, free of charge, to meet any contingency. Thus in Islamic Banking, the creditor should not take advantage of the borrower. When money is lent out on the basis of interest, more often that it leads to some kind of injustice. The first Islamic principle underlying for such kind of transactions is "deal not unjustly, and ye shall not be dealt with unjustly" [2:279] which explain why commercial banking in an Islamic framework is not based on the debt...

Comparision of internet banking and traditional banking

...Besides, for many people shopping is a source of entertainment, almost a social rite. People like to handle things, especially clothes, feel the texture, and try them on to see how they look in them. But the rising popularity of shopping online proves that for an increasing number of people factors like avoiding the inconvenience and crowds, incompetent shopping assistants in the store, going all the way to the shop only to find the product they are looking for is out of stock outweigh the few a...

Banking

...The additional duties could be classified into three categories and those duties have been the subject of recent case law (Tyree 2008). “The passbook has been replaced by the bank statement which is sent at intervals to the customer and the current practice seems to favour the customer even more since there is no way for knowing whether the customer has even received the statement (Tyree 2008). ” Kepitigalla was approved by the New Zealand Court of Appeal in National Bank of New Zealand Ltd ...

Merchant Banking

...The recent developments in merchant banking are due to certain contributory factors in India are : The merchant banking was at its best during 1985-1992 when there were many new issues . It was expected that 2010 going to be good time for merchant banks , as many new issues are coming up . The foreign investors- both in the form of portfolio investment and through foreign direct investments are venturing in Indian Economy. It is increasing the scope of merchant bankers in many ways. Disinvestmen...

Online Banking

...There is no doubt that potential for Internet banking in India is immense considering the raising penetration level of the World Wide Web in Indian homes and offices. The Banks has very well adopted the strategy of providing Internet-Banking services. It has tried to familiarize the customer with the services like account information, fund transfer, bill payment, requests and intimation, communication with account manager and other services. The study revealed that the majority of customers are ...

National Bank

...The NBL carries out all traditional functions, which a commercial bank performs such as mobilization of the deposit, investment of funds, financing export and import business, trade and commerce and industry. The banking sector in the country faced different problems thought the year. Even through the board and management never stopped its effort to maximize wealth, which is reflected by 143.97percent profit growth in 2007, highest ever in the last 15 years. The bank earned the 676.45 core reven...

Alliance Bank

...Berger, A. N. & DeYong, R. (n.d.). The Effects of Geographic Expansion on Bank Efficiency. Journal of Financial Services Research. Retrieved from http://www.federalreserve.gov/pubs/feds/2001/200103/200103pap.pdf Biery , M. E. (2013). The Most Profitable Businesses to Start. Forbes. Retrieved from http://www.forbes.com/sites/sageworks/2013/04/28/the-most-profitable-businesses-to-start/ Clardy, A. (2013). Strengths vs. Strong Position: Rethinking the Nature of SWOT Analysis. Modern Management ...

Traditional Banking

...This article by Edwards and Mushkin presents a very interesting and informative view of the current situation facing banks in today’s financial market. The traditional role usually occupied by banks as lenders has been undermined by the influx of non-traditional lending institutions. These institutions have taken the opportunity to provide lower-interest loans and higher-interest deposits to customers, thereby forcing banks to flee to riskier methods of gaining revenue. Policies that regulate ...

Blod Bank

...This will contain information of expired samples and those samples which reacted positively in testing screening. Accounts database: The purpose of this database is to store the account details regarding issue of blood sample and to maintain the history of all the previous transactions. This database will be used by the administrator so that he can calculate the total cost of the issue orders placed. Accessing capabilities: 1. Only administrator can set the role of users and their access capabil...

Bank Notes

...Required Stable Funding Factors Macroprudential Factors * Countercyclical buffer * Acts as a brake in good times of high credit growth and a decompressor to restrict credit during downturns. * Within a range of 0-2. 5% * Left to the discretion of national regulators * Dividends restricted when capital is below required level * Phased in between Jan 1, 2016 – Jan 1, 2019 * Leverage Ratio * Target 3% * Ratio of Tier 1 capital to total exposure > 3% * Introduced on Jan 1, 2018 after a tran...

Bank Accounts

...Savings Bank Accounts can also be opened and operated by the minors provided they have completed ten years of age. Accounts by Hindu Undivided Families (HUF) not engaged in any trading or business activity, can be opened in the name of the Karta of the HUF. The minimum balance to be maintained in an ordinary savings bank account varies from bank to bank. It is less in case of public sector banks and comparatively higher in case of private banks. In most of the public sector banks, minimum balanc...

Finance and banking

......

First Keystone Bank

...I think the following procedures can resulted in the discovery of the embezzlement scheme. The first one is inspection of documentation. Auditors can examine a client document and compare it with the exact money they save and take out from the ATM. The second one is observation. Looking the procedure of using the ATM to make sure whether it is used with authority. The third one is analytical procedures. Auditors can analyzing plausible relationships among both financial and nonfinancial data of ...

Banksy-Graffiti Art

...Banksy's works have dealt with an array of political and social themes, including anti-War, anti-capitalism, anti-fascism, anti-imperialism, anti-authoritarianism, anarchism, nihilism, and existentialism. Additionally, the components of the human condition that his works commonly critique are greed, poverty, hypocrisy, boredom, despair, absurdity, and alienation. Although Banksy's works usually rely on visual imagery and iconography to put forth his message, he has made several politically relat...

Commerce Bank Case

...edition. Irwin/McGraw-Hill, New York, NY. Frei, F. 2006. Commerce Bank. Harvard Business Review. Harvard Business School Publishing, Boston, MA. McBride, G. 2005. “Banks need to sell customer service”. http://www.bankrate.com/brm/news/bank/20051024a1.asp Accessed 21 August, 2012. Sherman, H.D. and G. Ladino. 1995. Managing Bank Productivity Using Data Envelopment Analysis (DEA). Interfaces 25:2 p. 60-73. Wood, J. and P. Berg. 2011. Rebuilding Trust in Banks. Gallup Business Journal. http://b...

Valley National Bank

...He can claim that his position was terminated because of his sickness. I believe he should be spoken to and should be given an option to transfer to another position that uses his accounting/software skills instead of his managing skills. He should be able to work as long as his sickness is not affecting his work. I would also recommend that first and foremost the sexual harassment note about Ms.Goodman needs to be investigated. She needs to be interrogated and the bank should know what that sit...

Emotional Bank Accounts

...Our success in keeping a good emotional bank account with other people then depends upon our sensitivity to the values that other people hold, not our own. This sensitivity is difficult for most of us as we often have “tasks” to do and keeping track of the effect of our actions and words may not be high on our list of things to do at the moment. Yet, in the long term, nothing is more important. I once heard someone say of a particular organization, “this place is not about competence, this...

Consolidation in Banking

...They address that in banking industry, “ firms with large market shares can reach the minimum economic scale of operations to develop a differentiated base of products which can be priced at a premium to obtain extraordinary profits(efficiency-structure hypothesis).” ( Santillán-Salgado ,2005, p85).Due to this reason, in order to earn more profits , banks want to increase market shares. Mergers and acquisitions are the most important way for corporate restructuring and enlarge corporate sca...

Banking Sector Reform

...When the crisis exploded in September 2008, the RBI rapidly reversed its earlier tightening of credit to meet the new and changed circumstances. The CRR and the repo and reverse repo rates were rapidly lowered in a series of quick steps. Some initiatives were also taken to enhance access to bank credit by Non Banking Finance Companies. Signs of panic withdrawals from some private sector banks in the initial weeks of the crisis were met with strong reassurances by both the Government and the RBI ...

Bankruptcy Among Youth

...Based on survey conducted by Brotman (2006) survey responses indicated that between 46.2 and 54.5 percent of the individuals interviewed from 931 respondent cited medical expenses as contributing to their financial problems also 75.7 percent of medical bankcruptcy filers had health insurance coverage when their illness or injury began. In addition, among families with medical expenses, hospital bills were the biggest medical expense for 42.5 percent, prescription medications for 21 percent and d...

Why Banks Exist

...Some experts see banks role and market share shrinking due to restrictive government regulations and intensifying competition. Institutions have also become more innovative in their service offerings and in finding new sources of funding, such as off-balance-sheet transactions. The increased risk faced by institutions today, therefore, has forced managers to more aggressively utilize a wide array of tools and techniques to improve and stabilize their earnings streams and manage the various risks...

Baring Bank Case

...Soon he was Barings Banks star Singapore trader, bringing in substantial profits from trading on the Singapore exchange. By 1993, Leeson had made more than Elo million, about 10% of Barings's total profit for that year. In 1994, he delivered over half of the E52. 9 million in revenue for his division on his own, making many proclaim him as the "miracle worker. " In his autobiography Rogue Trader, Leeson said the culture at Barings was simple: "We were all driven to make profits, profits, and mor...

Banking- Technology Impact

...Over the years, the banking sector in India has seen a no. of changes. Most of the banks have begun to take an innovative approach towards banking with the objective of creating more value for customers and consequently, the banks. Some of the significant changes in the banking sector are discussed below. MOBILE BANKING Taking advantages of the booming market for mobile phones and cellular services, several banks have introduced mobile banking which allows customers to perform banking transactio...

Crm Banking Sector

...The method used to administer the questionnaire was through a personal interview so as to obtain more accurate, reliable and valid information and to make the respondents at ease by maintaining a social rapport with them. The target population to be sampled was the individual customers of the Indian banking sector. Owing to the need for a relatively large sample size while at the same time keeping the research costs down, the sample size of this study amounted to 150 customers and the quota samp...

Reserve bank of India

...Some of this problems are results of the dominant part of the public sector. Related functions-The RBI is also a banker to the government and performs merchant banking function for the central and the state governments. It also acts as their banker. The National Housing Bank (NHB) was established in 1988 to promote private real estate acquisition. The institution maintains banking accounts of all scheduled banks, too. RBI on 7 August 2012 said that Indian banking system is resilient enough to fa...

Blood bank management system

...The first section tells about introduction of blood bank management system and its scope. The remaining sections of this document provide a general description, including characteristics of the users of this project, the product's hardware, and the functional and data requirements of the product. General description of the project is discussed in section 2 of this document. Section 3 gives the functional requirements, data requirements and constraints and assumptions made while designing the E-S...

Are You on a Short Deadline? Let a Professional Writer Help You

Get Help
image

Your Answer is very helpful for Us
Thank you a lot!