all of the good thing of the banking service. I’ve experience the worse one. If I’m not mistaken‚ on Thursday‚ August 23‚ 2007 around 15:46 pm‚ I make cash withdrawals at ATMs BNI (Bank Negara Indonesia or Indonesian Bank) branch Klampis Surabaya Rp1‚000‚000‚ but it was came out only Rp950.000‚ though my bank account already count 1‚000‚000 as withdrawal. I report directly to the customer service BNI branch Klampis and asked to complete written reports. On Monday‚ August 27‚ 2007‚ when I have
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Analyzing bank performance Main objective of main performance analysis 1 Due to the inherent rick-reward trade-off in banking and finance‚ there is a close link between risk taking and profitability. Similar to many other business. The objective profit-maximizing bank will be to add value to the bank equity by maximizing risk-adjusted return to SHs. Risk taking is a double-edged sword. However‚ for banks‚ profitability and SH value add will depend on the efficiencies of risk management processes
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you will also know each risks and their impact on securities. Risk can be deduced as mistakes occurring both by man and machines. We will also see how risks are faced and all procedures taken to find solution to tackle each risk in each sector of the bank. The study describes the different steps in the risk management process which methods are used in the different steps‚ and provides some examples for risk and safety management. Risk management is a rapidly developing discipline and there are many
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INTRODUCTION WHAT IS BANK? A bank is a financial institution‚ which deals with money and credit. It accepts deposits from individuals‚ firm and companies at a lower rate of interest and gives at a higher rate of interest to those who need them. The difference between the terms at which it borrows and those at which it lends from the source of it profit. A bank‚ thus‚ is a profit earning institution. HISTORY OF ISLAMIC BANKING IN PAKISTAN 1947 The inception of Pakistan as the first Islamic
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OPERATIONS OF BANK AGENCY IN KENYA- EQUITY BANK AND BANK AGENTS IN NAIROBI WEST by MUNGA‚ DOROTHY WAMBAIRE 056157 A Management Research Project Proposal submitted in partial fulfillment of the requirements for the degree of Bachelor of Commerce Strathmore University 2013 Declaration This is to certify that this research proposal is my original work and that it has not been presented or submitted for a degree award in any other institution of higher learning. Information from other sources
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D.‚ CPA‚ CMA‚ INTRODUCTION In the past‚ bank accountants paid little or no attention to the use of managerial accounting concepts in the banking industry. Viewing managerial accounting from the perspective of the banking industry provides a unique opportunity to explore the development of the internal reporting structure. While the use of internal cost and profitabiHty reports is widespread in merchandising‚ manufacturing‚ and other service industries‚ banks have historically focused only on overall
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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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Guaranty Trust Bank Plc and Subsidiary Companies Consolidated Financial Statements – 29 February 2008 Together with Auditors’ Reports GUARANTY TRUST BANK PLC Orange Rules Guaranty Trust Bank Plc and Subsidiary Companies Consolidated Financial Statements – 29 February 2008 Together with Auditors’ Reports Contents Page Consolidated financial statements Consolidated balance sheet 1 Consolidated income statement 2 Consolidated statement of recognised income and expense 3 Consolidated statement
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Leadership of Bank of China (Employee / Labor Relations) Introduction of the Bank of China The place where I had completed my internship is Bank of China‚ which is one of the most influential and high-ranking banks in China‚ even in the world. Its long term reputation and credibility obtained from the global industry‚ customers and widely recognized authority. According to some global financial rankings in 2003‚ based on its core capital among the bankers‚ the bank of China was the 15th largest bank in the
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discrimination between the banks no longer exist‚ the services of almost equivalent. The bank do more advanced technology will certainly capture the advantage. Most of the banks are using computers to automate the processing stage to optimize performance and limit manually. Banking industry is becoming more competitive. Customers today have more opportunities to reach more information. They have more options in choosing the bank for the transaction. This will cause more difficult for banks to attract and
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