Name: Aadarsh Raju Date: May 12‚ 2011 BBVA BANK (A): Innovation Initiatives 2003-2008 This case shows how a large corporation can appreciate innovation as their new organizational culture. For a bank that based its expansions on geographical spread‚ mergers & acquisitions & revenue growth‚ to change to a culture based on innovation is not an easy task but is a step in the right direction. However‚ with the advent of the financial crisis in 2008‚ consumers have lost faith in financial
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WILFREDO M. CATU‚ complainant vs. ATTY. VICENTE G. RELLOSA‚ respondent A.C. No. 5738 (February 19‚ 2008) This is an administrative case filed by the complainant claiming that the respondent committed an act of impropriety as a lawyer and as public officer when he stood as counsel for the defendants despite the fact that he presided over the conciliation proceedings between the litigants as punong barangay.. Facts: Complainant Wilfredo M. Catu is a co-owner of a lot and the building erected thereon
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Prof: Maylene P. Paniza TOPIC: CONSUMPTION (SEMI-FINALS REPORT) Saving-Investment Equilibrium Y = C + I Y – C = I S = I Saving is an outflow which gradually reduces the additional income that it generates. Therefore the circular flow model tells us that outflows like savings‚ taxes‚ and import expenditures must go back in the system in the form of investment‚ government expenditures‚ and export earnings. The saving-investment equilibrium further implies that increasing‚ decreasing
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Marriot Case Brief 1. What is the weighted Average Cost of Capital for Marriot Corporation? WACC for Marriott Corp is 11.89 WACC of divisions: Lodging 10.29‚ Restaurant 13.49‚ Contract Services 13.615 a) What risk-free rate and the risk premium did you use to calculate the cost of equity? We used 8.95% as the risk free rate (LT Government Debt) and the MRP we used was 7.43%‚ which means are expected market return is 8.95+7.43=16.38% b) How did you measure Marriott’s cost of debt? We added
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Chaiken Case Brief Facts: Chaiken made separate but equal agreements with Strazella and Spitzer to operate a barber shop. Under the “partnership” agreement: ~ Chaiken would provide the barber chairs‚ supplies and licenses. Strazella and Spitzer provide tools of the trade. ~ Gross returns were to be divided on a percentage basis between all three men. ~ Chaiken will decide all matters of the partnership policy. ~Stated hours of work and holidays. ~Chaiken holds and distributes all receipts
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Saving Water‚ Saving Environment!! Tien Ho Period 2 • Water is a precious resource‚ but not infinite‚ thus saving water is always essential even in areas with abundant water resources. In addition to saving household spending‚ saving water also helps prevent depletion of groundwater resources‚ prevent water pollution in the basin. • California is the most productive agricultural state in the union‚ and agriculture uses 80 percent of California’s water. In a year with practically none of the stuff
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Deutsche Bank and the Road to Basel III Deutsche Bank made its entrance into the world in 1870 and it was one of the first banks to adopt universal banking as it promoted and facilitated trade relations between Germany and other overseas markets. Deutsche Bank acquired smaller banks in Germany in order to be the most prominent bank in their home base in addition to having a global reach. Following World War I‚ inflation took over Germany causing many borrowers to default on their loans forcing the
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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”
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Case Brief A.4 GNAZZO v. G.D. SEARLE & CO. 973 F.2d 136 (1992) U.S. Court of Appeals‚ Second Circuit Pierce‚ Circuit Judge Facts: On November 11‚ 1974‚ Gnazzo had an intrauterine device (IUD) inserted in her uterus for contraceptive purposes. The IUD was developed‚ marketed and sold by G.D. Searle & Co. (Searle). When Gnazzo’s deposition was taken‚ she stated that her doctor had informed her that “the insertion would hurt‚ but not for long‚” and that she “would have uncomfortable and probably
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Frederick Taylor University BA 400D: Advance Management Final Assignment Student ID: 1754 12 Pacific Savings Bank‚ Ltd. The Absence of Total Quality Management Francis P. Remengesau Table of Contents I. Introduction II. Beginning III. What is TQM? IV. Pacific Savings Bank‚ Ltd. V. Benefits & Features VI. Lesson VII. Conclusion VIII. Bibliography/Further Readings IX. End Notes Introduction The term paper will address Total Quality Management
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