BANKING SERVICE MARKETING MIX SERVICE MARKETING MIX ELEMENT The service marketing mix comprises off the 7p’s. These include: * Product * Price * Place * Promotion * People * Process * Physical evidence. PRODUCT: 1. BANK PRODUCTS (A)DEPOSITS: savings‚ current‚ fixed etc. (B)ADVANCES: (1) FUND ORIENTED: a. Term loan‚ b. Clean loan‚ c. Bill discounting‚ d. Advances‚ e. Pre-shipment finance‚ f. Post-shipment finance‚ g. Secured and unsecured lines of credit
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Changes brought in by SEBI that impacted QIB role in the recent years Earlier‚ in the book building route for public issue‚ 50% was reserved for QIBs‚ 15% for HNI and 35% for Retail investors. Even without this reservation for QIBs‚ the merchant bankers had the discretion alot shares to QIBs in any manner they liked. SEBI brought about the following major changes in the Primary Market in the last 6 years which impacted the role of QIBs in a big way: (a) QIBs now have to bid with margin money of
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Meaning of Bank It is generally said that the word “BANK” has been originated in Italy. In the middle of 12th century there was a great financial crisis in Italy due to war. To meet the war expenses‚ the government of that period imposed a forced subscribed loan on citizens of the country at the interest of 5% per annum. Such loans were known as Compara‚ Mintuo etc. The most common name was Monte. In Germany the word Monte was named as Bank or Banke. According to some writers‚ the word Bank has
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Reserve Bank of India Main Functions Reserve Bank of India regional office‚ Delhi entrance with the Yakshini sculpture depicting "Prosperity through agriculture"[25]. The RBI Regional Office in Delhi. The RBI Regional Office in Kolkata. Monetary Authority The Reserve Bank of India is the main monetary authority of the country and beside that the central bank acts as the bank of the national and state governments. It formulates‚ implements and monitors the monetary policy
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love in an automobile‚ like the “( Baojun‚ Buick‚ Cadillac‚ Chevrolet‚ GMC‚ Daewoo‚ Holden‚ Opel‚ Isuzu‚ Vauxhall‚ Jiefang‚ FAW and Wuling) autos; GM market their products in China‚ the United States‚ Brazil‚ UK‚ Germany and Canada)” (Thomson One Banker‚ 2012). 1. Immediate Rivals ~ with all the cars that General Motors current has‚ they have rivals who compete fiercely with General Motors. Their competitors are Porsche Automobile Holding SE‚ the maker of foreign autos. It was quite surprising
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Comprehensive Problem 1: Service Industry Note: This problem has a value of 10% of the final grade. Objectives: Demonstrate application of accounting concepts pertaining to a service company‚ including the following: selection of business form‚ journalization and posting of daily transactions‚ creation of unadjusted trial balance‚ adjustment of the accounts to properly report changes in balances‚ creation of financial statements‚ completion of the closing process with appropriate closing
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"Give me control of a nation’s money and I care not who makes it’s laws" -Mayer Amschel Bauer Rothschild. Rothschild makes a great point; the people of the United States have zero effect on their own currency. Not even the government has control over the production and distribution of its own currency. That control was given to banks and a private corporation named the Federal Reserve . These private institutions have created a cycle that enriches them and indebts the public. This vicious cycle
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Introduction to Entrepreneurship Looking for Capital When Joyce and Phil Abrahams opened their bookstore 1 year ago‚ they estimated it would take them six months to breakeven. Because they had gone into the venture with enough capital to keep them afloat for nine months‚ they were sure they would need no outside financing. However‚ sales have been slower than anticipated‚ and most of their funds now have been used to purchase inventory or meet monthly expenses. On the other hand‚ the store
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CHAPTER 10: COST OF CAPITAL HOMEWORK 1. The Dempere Imports Company’s EPS in 2009 was $2.82‚ and in 2004 it was $1.65. The company’s payout ratio is 30%‚ and the stock is currently valued at $41.50. Flotation costs for new equity will be 15%. Net income in 2010 is expected to be $15 million. The market-value weights of the firm’s debt and equity are 40% and 60%‚ respectively. a. Based on the five-year track record‚ what is Dempere’s EPS growth rate? What will the dividend be in 2010?
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Identify which behaviors will be targeted for change in the training program and explain what behavior consistent with the goals of the training program would look like. Chase will support Commercial clients by being able to provide international bankers. These bankers are experienced in financial options‚ cash flow funding‚ term lending and in acquisition financing. They know how to deal with complex syndicated structures. They are highly informed with international banking capabilities and treasury. This
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