Table of Contents 1. PEST Macro-Analysis 2 1.1. Overview 2 Political Factors 2 Economical Factors 3 Social Factors 4 Technological Factors 4 PEST Macro Analysis Summary 5 Bibliography 6 1. PEST Macro-Analysis 1.1. Overview The virtual banking industry was based primarily on the confidence of the users in the web-based banking technology and the authenticity of the virtual banks. The industry also projected constant changes to the regulations and technology which would define
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Reading Material Concepts and definitions of various banking terminology. All the information is collected using various free web-sites on internet for the purpose of enhancing knowledge of the participants in the field of banking. 1 Banks in the economy Role in the money supply A bank raises funds by attracting deposits‚ borrowing money in the inter-bank market‚ or issuing financial instruments in the money market or a capital market. The bank then lends out most of these funds to
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respective ratios and other financial data. The peer comparison of financial ratios between RHB Bank & Hong Leong Bank is evaluated and analysed to see which bank performs better in 2010. The other key ratios are also calculated in for deep analysis on to see how well these two banks in Malaysia perform in 2010. In addition‚ its credit risk that includes the risk management and its policy of both banks is then evaluated and compared to see which bank manages its credit risk properly. Finally
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PAPER TITLE: COMMERCIAL BANKING IN KENYA PRESENTED TO: MRS. BOSIRE MARY PRESENTED ON: 19TH October 2011 ABSTRACT: This term paper analyses the commercial banking system in Kenya. In particular it focuses on the history of commercial banks from a general perspective then narrows down to Kenya’s context. It looks at the importance of commercial banks in Kenya‚ the roles/functions of commercial banks. It then focuses on the regulations that govern the commercial banks. Lastly it
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Commercial and Investment Banking Name: Course: Instructor’s Name: Date: Q 1. GENERAL PRINCIPLES OF BANK MANAGEMENT The general principles of bank management include; Liquidity management- involves maintaining asset that can be easily converted into cash. The cash serves the purpose of depositor withdrawal either from checking or savings account or checks written by the depositor to other banks. Liquidity management make sure cash is available upon
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Capital adequacy ratio (CAR) also called Capital to Risk (Weighted) Assets Ratio (CRAR)[1]‚ is a ratio of a bank’s capital to its risk. National regulators track a bank’s CAR to ensure that it can absorb a reasonable amount of loss [2] and are complying with their statutory Capital requirements. Capital (Finance) In a fundamental sense‚ capital consists of anything that can enhance a person’s power to perform economically useful work. A stone or an arrow is a capital for a caveman who can
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private banking sector‚ which attracts many investors to invest in the financial market. Bangladesh has been doing very well in private sectors in recent years. Previously only government banks were here to serve the financial needs of consumers‚ but now varieties of services are offered by commercial banks which were not possible before. Financial assistance is very necessary to develop all the sectors which are provided by the central bank of Bangladesh. Central bank boosts commercial banks to
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COMMERCIAL BANKING SECTOR SUMMARY: Banking industry is the blood vascular system of our economy. The banks have played substantial role in the growth of Indian economy. From the meagre start in 1860 the banks have come to long way. The total shape of banking system was changed in 1991 due to the introduction of financial sector reforms as part of the liberalisation process. These reforms were aimed at enhancing the viability and efficiency of our banking system. Although there is a sustainable
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PEST Analysis • Political factors: As Poland became member of the European Union it became more attractive for foreign investors‚ especially it became easier to invest for members of the EU community. Poland is a democratic state with market economics. Being member of the EU‚ Poland receives grants from it. Political situation is stable. No revolutions‚ wars‚ strikes or terroristic attacks happen in Poland‚ that fact makes it additionally attractive for the investors. Entrance to the EU zone
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Journal of Banking & Finance 23 (1999) 655±662 Expansion of commercial banking powers F F F or‚ universal banking is the cart‚ not the horse John H. Boyd * Carlson School of Management‚ University of Minnesota‚ 271-19th Avenue‚ Minneapolis‚ MN 55455‚ USA Abstract This short essay deals with universal banking in an environment in which a government safety net (for example deposit insurance) results in a moral hazard problem for banks. It argues that universal banking signi®cantly exacerbates
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