Legislation of Management and Unions Labor unions have been a staple in many different industries. The purpose of a union is to organize workers‚ to act cooperatively together‚ requesting to promote and protect their mutual interests through collective bargaining. With the rise of unions across the United States came pieces of legislation to help define the rights of management and the members of the labor unions. There are three pieces of legislation that have played an important role in defining
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SUMMARY – Estelami Hooman (2007) “Marketing Financial Services”‚ Dog Ear Publishing Ch8 Segmenting – requirement for successful MFS * breaking down of a market into smaller groups of consumers based on their needs efficiencies in mkt activities * unique: abundance of individual data and resources * process: 1. collecting data 2. using market segmentation tools (computer driven‚ cluster analysis) 3. customer targeting 1. internally collected data (customer demographics‚ life stage
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the 14 major banks which were nationalized on July 19‚ 1969. Its predecessor the United Bank of India Ltd.‚ was formed in 1950 with the amalgamation of four banks viz. Comilla Banking Corporation Ltd. (1914)‚ Bengal Central Bank Ltd. (1918)‚ Comilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932) (which were established in the years indicated in brackets after the names). The origin of the Bank thus goes as far back as to 1914. As against 174 branches‚ Rs. 147 crores of deposits and Rs. 112 crores
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How Credit Cards Work Have you ever stood behind someone in line at the store and watched him shuffle through a stack of what must be at least 10 credit cards? Consumers with this many cards are still in the minority‚ but experts say that the majority of U.S. citizens have at least one credit card -- and usually two or three. It’s true that credit cards have become important sources of identification -- if you want to rent a car‚ for example‚ you really need a major credit card. And used wisely
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Credit Default Swaps Credit default swaps are the transfer of third party credit risk from one party to the other party. The purchaser of the swap must make the payments until it reaches the maturity date of the assigned contract. A better understanding of CDS is “One party in the swap is a lender and faces credit risk from a third party‚ and the counterparty in the credit default swap agrees to insure this risk in exchange of regular periodic payments (essentially an insurance
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Credit risk management in Vietnam banking industry Case study: Why was Vietnam bank for industry and trade fail in bad debt ? Outline Acknowledgement Table of contents List of figures List of tables List of appendices Abstract Chapter 1: Introduction 1. Introduction 2. An overview of banking industry in vietnam 3. Risk & Credit risk identify 4. Statement of problems 5. Research Objectives 6. Research Question 7. Research hypotheses 8. Research methodology
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Overview of Recent Developments in the Credit Card Industry by Douglas Akers‚ Jay Golter‚ Brian Lamm‚ and Martha Solt* Since the 1980s‚ Visa U.S.A. (Visa) and Master- Card International (MasterCard)‚ the bank-controlled credit card associations that together account for approximately 70 percent of today’s credit card market‚ have been able to control the use of and access to their networks to the advantage of their bank members. Recently‚ however‚ the credit card industry has been changing:1
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Credit cards have affected people’s lives in the 21st century. Many people use credit cards as an identification tool. In my opinion‚ credit cards have many benefits if they are used wisely. Credit cards offer a safe alternative to cash‚ and an opportunity to develop a good credit rating. They also provide the consumer with more time to pay for his/her purchaser. Credit cards are a safe alternative to carrying cash. When you have your card in your wallet‚ you don’t have to carry cash that can be
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Strategic Management Plan for Union Bank (http://www.unionbankph.com) Prepared by: Geraldine S. Lungay Student number 200701175 – MKA 31 March 12‚ 2013 Table of Contents Title Page Number I. Executive Summary ................................................................................... 10 II. Company Background ............................................................................... 3 III. Competitive
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Wilhelm Raiffeisen developed the idea of credit cooperative. Theoretical developments of Mr. Raiffeisen in the field of agricultural credit cooperation in many respects were based on ideological views of Mr. G. Schultz-Delich. Developing theoretical bases of credit cooperation‚ Schultz-Delich solved one of the most pressing problems of small-scale craft enterprises – a possibility of receiving the small cheap credit. The fundamental principles of activity of its credit cooperatives were as follows: 1) The
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