Lecture 11: Handout The Regulation of Banks Date: 28 April 2004 Module: International Banking Why Regulate Banks? Banks are intermediaries between money suppliers and those who need money. Commercial banks are most heavily regulated financial institutions. Five main reasons for regulation: I. The first is to ensure the safety and soundness of banks. The purpose is to maintain I) domestic and II) international confidence‚ III) protect depositors and ultimately taxpayers
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Analysis of ICICI Bank and its comparison with HDFC Bank 1|Page Contents Profile of the banks……………………………………………………………………………………….3 Financial Analysis of the two banks …………………………………………………………………... 4 Growth Strategies that ICICI bank can adopt…………………………………………………………9 Strategic Analysis………………………………………………………………………………………..10 Recommendations……………………………………………………………………………………….13 2|Page 1. Profile of the banks ICICI Bank ICICI Bank is India’s second-largest bank and offers a wide
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| Daiwa Bank | A Case Study | | Background and History Daiwa Bank‚ or Osaka Nomura Bank as it was first called‚ was founded in 1918 in Osaka‚ Japan by Tokushichi Nomura. It was created mainly to take advantage of the new capital Japan had amassed from foreign commercial ventures and domestic industrialization. Its securities division experienced huge growth in volume and profits that it almost functioned as different entity. Japanese industry spectacularly grew in the 1930s‚ but after
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Occidental Bank is one of the largest banks in the Philippines and is the flagship company of the Occidental Group‚ the country’s first billion dollar bank in terms of net worth. It was established in 1962 in Ermita‚ Manila by a group of businessmen‚ led by Ms. Lean Cayanan‚ who is currently the bank’s chairman and single biggest shareholder. Its present headquarters are at Occidental Place‚ located along Paseo De Roxas‚ Makati City‚ and the Philippines’ financial center. The bank is a universal
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Female Employees File Lawsuit Against Bank of America March 31 2010‚ three female Financial Adviser filed a national class action lawsuit against Bank of America and Merrill Lynch alleging sex discrimination. The New York Times reports that the lawsuit‚ which was filed in New York‚ claims that the companies have violated several federal and New York state laws‚ including Title VII of the Civil Rights Act of 1964 and the New York State Human Rights Law. Employment lawyer Kelly M. Dermody says
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Bank Holiday I have read the story under the title “Bank Holiday” by Katherine Mansfield. Speaking about the author‚ I should say that Katherine Mansfield was born in New Zealand in 1888. Katherine is a New Zealand writer and she is known by her short stories which deal with human nature and psychology. This is a philosophical story for a discerning reader who has to read between the lines. Giving the reader a chance to see somebody else s inner life‚ presented directly and indirectly‚ the author
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None of the options is correct 2. ROE for a bank is calculated by: A. dividing net after-tax income by total equity capital. B. dividing total operating revenue less operating expenses by total assets. C. dividing net pre-tax income by total equity capital. D. noninterest income less noninterest expenses divided by total earning assets. E. None of the options is correct. 3. The employee productivity ratio for a bank is equal to: A. net operating revenue less
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The old Spice case PART 1 Product positioning: it is the perception in consumers’ minds of the nature of a company and its products relative to competitors. It has to do with quality‚ prices‚ distribution‚ image and marketing communication. In the old spice case‚ they use a well-known spokesperson to market their product. I this case he conveys to women telling them that their man should stop using old lady scented body wash and switch to Spice and they will look like him and probably smell like
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Chapter 18: Inventory Management in Blood Banks Harshal Lowalekar and N. Ravichandran Operations Management and Quantitative Techniques Area Indian Institute of Management Indore 18.1 What is Blood? Blood performs many important functions in the human body such as carrying oxygen and nutrients to the various cells and tissues of the body‚ waste removal‚ fighting against diseases‚ regulation of the body temperature‚ regulation of body acidity‚ etc. [1‚ 2]. Blood contains three different kinds of
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In many countries‚ the proportion of old people is steadily increasing. Does this have more positive or negative effects on the society? With the development of technology and medical care‚ people now enjoy extended life expectancy. The percentage of elderly people who are over 65 has been increasing dramatically which is as a direct result of longevity. This trend is not only restricted to developed countries where have surging economy‚ advanced technology and relatively completed social welfare
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