INVESTMENT INDUSTY ANALYSIS Investment Industry EXECUTIVE SUMMARY We chose to do our analysis on the Investment Industry. The companies that we have chosen to analyze are Bank of America Merrill Lynch followed by Goldman Sachs Group‚ Morgan Stanley‚ and JP Morgan Chase and Co. These companies are known as investment banks. An investment bank is a financial institution that assists individuals‚ corporations‚ and governments in raising capital by underwriting and/or
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What case can be made that it was the lack of regulation of the banking sector that led to the financial crisis of 2008-9? What are the new regulatory structures that are being proposed in the US and UK? The preconditions of the 2008-9 crisis were high unemployment‚ high growth which was stimulated partially by foreign investment caused by imbalance of current accounts on the international arena (ie. Huge debt of US and the UK and surplus of China‚ Korea‚ Japan). Large part of the problem was
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savings rates‚ explosive economic growth‚ and underdeveloped retail banking services‚ provide the most significant growth opportunities for banks. Banks will have to serve the retail banking segment effectively in order to utilize the growth opportunity. Banking strategies are presently undergoing various transformations‚ as the overall scenario has changed over the last couple of years. Till the recent past‚ most of the banks had adopted fierce costcutting measures to sustain their competitiveness
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Banking Industry Strategic Management 2012 3/27/2012 Executive Summary Banking Industry is the chief indicator of the growth of any country’s economy. India with its huge populations presents a huge scope for banking industry. State Bank of India is a public sector unit and enjoys the market leader position. HDFC is catching up on the back of its exquisite growth in last decade. And with the relaxation of government control‚ private players are in a much better position to compete. But
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INDIAN BANKING INDUSTRY Banking in India originated in the last decades of the 18th century. The first banks were The General Bank of India‚ which started in 1786‚ and Bank of Hindustan‚ which started in 1770; both are now defunct. The oldest bank in existence in India is the State Bank of India‚ which originated in the Bank of Calcutta in June 1806‚ which almost immediately became theBank of Bengal. This was one of the three presidency banks‚ the other two being the Bank of Bombay and the Bank of Madras
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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
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application for the development of the banking sector Mobile application development caters to a diverse customer base. As its utilization is being discovered for different purposes an increased activity is also witnessed for this field. Mobile industry made a humble beginning with this application that provides basic functions. As today the complex transactions are being made through mobile applications‚ this is a paving way of new culture of mobile banking. With the integration of internet in mobiles
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Industry News | News on RBI timesofindia.indiatimes.com‚ May 22‚ 2013 Barclays sees more aggressive RBI in cutting rates‚ but slower growth in FY14 The rate of inflation‚ which is falling faster than what was expected even a few months ago‚ has prompted Barclays India to raise the quantum of RBI’s rate cut to 75 basis points (100 basis points = 1 percentage point) in 2013‚ from just 25 bps earlier. However‚ the economists and researchers at Barclays have also cut its economic growth target
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According to King‚ McKay‚ Marshall‚ Lee and Viehland (2008) online banking or electronic banking (e-banking) includes various banking activities conducted via the Internet from home‚ business‚ or on the road opposed to at a physical bank location. This paper shall compare and contrast both the online and offline retail environment for banking services. Internet banking offers great opportunities to the financial-services industry‚ including: • a huge potential customer base • large economies of
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For the banking industry‚ identity theft is a growing concern for customer privacy. Identity theft can occur anywhere including the internet. The technology of online banking is constantly growing and is being recognized globally. Online banking is very important for banks because it is a helpful tool used to provide better customer service and enhance efficiency on the bank’s end. According to a study conducted by HSBC Direct‚ nearly half of American internet users manage their bank accounts
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