COMPARATIVE STUDY OF COMMERCIAL BANKS AND CO-OPERATIVE BANKS Introduction The robust macroeconomic environment continued to underpin the financial performance of Indian banks during 2004-05‚ with major bank groups successfully weathering the impact of an upturn in interest cycle. The demand for credit was broad-based during 2004-05 with agriculture and industry joining the housing and retail sectors to drive up the demand for credit. A sharp increase in net interest income mitigated to a large
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Alpen Bank: Launching the Credit Card in Romania Case Study Solution By Liqi Zhou Nov. 5th‚ 2014 To: Gregory Carle From: Liqi Zhou Re: Alpen Bank’s decision of launching credit cards in Romania Date: Nov. 5th‚ 2014 Purpose: The Romania market has huge and increasing profit for credit cards‚ so Alpen Bank should enter it ASAP. Preview: Alpen Bank should launch the credit card now to both middle-class and affluent segments of the market using all possible consumer acquisition methods to capture
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COMM 1007EL-01 Management of Organization Ⅱ Case: LAWSONS Instructor: J. Austin Davey Date: January 29‚ 2014 Executive Summary Jackie Patrick‚ a newly appointed loans officer for the Commercial Bank of Ontario‚ needs to make a decision about whether or not to accept the request for a $194‚000 bank loan and a $26‚000 line of credit from Paul Mackay‚ sole proprietor of Lawsons‚ a general merchandising retailer in Riverdale‚ Ontario. According to the ratio analysis and changes in
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Anthony A. Aderhold BETH 601-80 Case Analysis #2 “US Citizen Bank (A)” Identification: Should Ms. Jefferies submit information or withhold information to a governmental arm‚ even though participation is completely voluntary? Michelle Jefferies is vice president for the Niche Credit Markets Division for US Citizen Bank. During her tenure‚ the development of a college student credit card program has rapidly accelerated. At the same time the U.S. General Accounting Office (GAO) has requested
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The ‘State Bank’ Case Analysis 1. Executive Summary State Bank is a profitable‚ family-run business conveniently located at downtown Hillsborough – the countryseat. Its President is Mack McNeill and its newly appointed Director of Marketing is his son Phil McNeill. It not only serves the Hillsborough populace of 15000‚ but also the suburbanites and farmers as far away as 20 miles. This is a full-service bank underlining the friendly‚ small-town service approach‚ while maintaining conservative
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Social context – intro Jamie Oliver’s 30-minute meals are found on channel 10 which is broadcasted every night of the week at around 6pm. Oliver is proving to the audience that it is not difficult to cook a quick‚ easy meal that tastes delicious without having to go out and buy take away. The author of the text is Oliver who was brought up in a family who cooked home cooked meals every night they also owned a small business in The Cricketers in Clavering‚ Essex‚ where at the age of eight‚ Oliver
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Activity-Based Costing in the Service Sector: The East Penn Bank ABSTRACT: This case illustrates why a major segment of the service sector banks - needs accurate cost information to make strategic decisions‚ and how more refined accounting systems help fulfill this need. East Penn Bank is a hypothetical bank that has suffered falling profits despite a shift in customer base toward retail customers‚ which the current information system reports are more profitable than business customers. Following
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ODD ONE OUT 1. Find the odd one out. A. Ginger B. Garlic C. Chilli D. Potato ANS-C Explanation Chilli is modified stems 2. Find the odd one out A. Eagle B. Hawk C. Bird D. None of these ANS-C Bird is prey of another bird 3. Find the odd one out A. Credit B. Deposit C. Withdrawl D. None of these ANS-C Explanation Credit and deposit indicates addition in amount while withdrawl indicates reduction. 4. Find the odd one out A. Microscope B. Telescope C. Periscope D. Stethoscope ANS-D Explanation The stethoscope
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Like the table shown above‚ the bank was said to be asset sensitive (i.e.‚ for a given year‚ there are more assets than liabilities subject to immediate repricing as market rates change‚ and the earning position would be positive in a rising interest rate environment) if earnings sensitivity was positive‚ whereas the bank was liability sensitive (i.e.‚ for a given year‚ there are more liabilities than assets subject to immediate repricing as market rates change‚ and the earning position would be
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Alpen Bank Executive Summary [Type the author name] Gregory Carle‚ the Romanian country manager for Alpen Bank‚ must decide whether or not the bank should launch a credit card program in Romania. Before deciding to go through with the credit card launch Carle must be certain that the Romanian credit card market is large enough to add € 5 million in annual profit to Alpen Bank’s Consumer Banking segment. Carle has two real options here‚ he can either choose to launch the credit card program
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