Bank Case Studies Samples For Students

Community bank is an independent, small and locally-owned commercial bank, which operates and obtains its funds solely from the community, where it is based.
Community banks focus on providing traditional banking, derive deposits locally and mostly make loans to local businesses. It is widely known that today community banks provide most of the loans to our nation's small businesses and are an important financial resource to small cities. Because of that and because of the fact that they have knowledge of their local community and their customers, they are called “relationship” banks. They base their credit and loan decisions ...

The Royal Bank of Canada had first tried to venture the financial market in Thailand in 1980. The bank’s ability to survive in third world country economy was limited. The authorities were skeptical about foreign bankers. Nonetheless, the interest rates were high, and the populations’ ability to pay was relatively small. In 1986, the bank had to close shop. The conditions were unbearable, and the bank could not cover the operating costs. The institution had not even become a fully-fledged firm before the unfortunate thing happened. They had been operating as a marketing outlet, an idea that had ...

Enter Name of Student

Enter Name of University
The OCBC Bank has their own unique approach to talent management and development because their overall success contributes to these vital areas. One of the primary approaches are that the company enables the employee to place their own careers and talents first. The concept of learning is a major component of the business strategy and they created several programs to help with their employee’s professional growth. One program “Bank’s Career Best” goals were for their employees to evaluate their own strengths, orientations of the career and attempts to understand where their workers fit ...

a)
The ratio of average equity to the average assets improved in the last five years from 2010 to 2014. The value increased from 8.30% to 10.37%, the previous value for a company in the financial sector as banking is a value over the average value of the industry of 10%. A higher ratio of equity over assets gives the confidence to the clients that the bank has at least one dollar per ten dollars that the company “owns” to the clients in the form of deposits.
The ratio of return on average assets improved slightly from 1.10% to ...

Tom Jackson works at bank that is frequently experiencing delays in processing of loans due to regular errors and mistakes caused by employees. After witnessing an astounding level of operational quality and customer satisfaction at a hospital, Tom Jackson wants to know if similar levels of operational excellence can be achieved at his bank. This case study analysis the possible causes of errors leading to poor performance and offers solutions for the same.

Banks generally require a lot of paper work to be handed in on the part of applicants for loans to be processed. All of this data is then ...

Why it was or was not a success in terms of cost, schedule, quality, and performance

The implementation of a customer relationship management (CRM) ERP platform at the bank was successful in terms of cost, schedule, quality, and performance. According to Lindgreen & Antioco (2005), CRM is critical in the banking sector as it helps banks easily reach and serve their customers. From the case study, it is clear that before implementation of CRM the bank had a small customer service department with poorly trained employees. This was highly inefficient since there was a long waiting time for customers to contact customer support of about 20 minutes (Blery & Michalakopoulos, 2006). In turn, this led to long ...

One of the firms which have been recently involved in unethical business conduct is Wells Fargo and Company. Wells Fargo faced a civil lawsuit when it was found that it was engaging in unethical business practices. Wells Fargo was found to be mistreating its customers and employees unethically. Investigations by Mike Feuer, the city of Los Angeles attorney, found out that the current and the former employees were under tremendous pressure to increase their sales. In response to their employer’s pressure, employees resorted to unethical methods to increase sales. To meet their high sales targets, employees executed transactions ...

Question 1

Microfinance’s have gained popularity among the many in the low-income category. Microfinance and microcredit facilities targets to provide poor people with small loans. The loan provided attracts low-interest rates and can be paid over a reasonable period without overburdening the poor to eradicating poverty. The services have been popularized by Nongovernmental organizations and social entrepreneurs between 1970s and 1980s.
In Bangladesh Grameen Bank was the first to be established in 1976. The microfinance was founded by Mohammad Yunus, who is an economics professor. The professor targeted to eliminate poverty from the local villager hence, the model adopted by ...

1. What governance practices could have prevented the demise of Barings Bank?
Barings Bank was founded in 1962. It is previously known as Baring Brothers & Co. It was the oldest merchant bank in England and collapsed on February 26, 1995. The bank had been faced bankruptcy for the second time because of this reason. There were several issues that it had been processed. It changed the regulatory of the development of worldwide financial transactions, indoor trading, executive remuneration and misuse of pensions fund made it strengthen through those changes. As per Hurst and Wood (1993) report, there were many ...

Increase the candidate pool of recruits – Improving the candidate pool of recruits will bring in a large variety of potential candidates who have the potential for the job. Increasing the pool include the use of university placement officers and recruiters after developing relations with them to provide the best candidates. Use of conferences and professional association with staff members may help meet employees that are good for the bank (Pankl, Theiss, & Bushing, 2010).
Involve employees in the hiring process – Involving the current employees in the hiring process will improve in the quality of recruits since the current employees know ...

Wellfleet bank faces a number of risks that include credit risk, political risk, reputation risk, market risk, country risk, operational risk, liquidity risk, and compliance risk. In reviewing the proposal to extend a credit facility of $1 billion to Gatwick Gold Corporation (GGC), the bank is facing credit risk, liquidity risk, reputation risk, and operational risk.
GGC is requesting the $1 billion credit facility in order to redeem a convertible bond that had a conversion price of $65 per share. Wellfleet expect that GGC will draw the entire $1 billion and in case of default, the loss would be ...

How RFID technology is developed, adopted, and implemented?

Development
The development of RFID technologies has its origins in the 19th-century discoveries of electronic inductance and electromagnetism. Detection systems such as RADAR (Radio Detection and Ranging) were precursors to the RFID technology. The paper about the technology behind RFID was presented in 1948. Radio Frequency was used in the IFF (Identify Friend or Foe) systems deployed by the British in World War II.
Electronic Article Surveillance (EAS) to detect removal of articles without purchasing is in use since the 1960s. The UPC (Universal Product Code, which is a barcode) is the first passive auto-identification system. RFID is an ...

PERSONAL FINANCE INVESTMENT IN QATAR: INVESTING QR 1000000

Abstract
This article describes a personal finance project which entails the investment of QR 1000000 in a short time frame, from 1 March to 27 May 2016. We first define personal finance and establish the five steps of a personal financial planning process, which entails: (1) assessment of the individual’s financial situation; (2) determination of the individual’s financial goals; (3) creation and details of the financial plan, based upon the determined goals; (4) execution of the aforementioned plan; (5) monitoring and reassessment of the plan. For each one of the five stages, we carry out the required ...

Traidos Bank and Roche’s Drug Trial in China

Introduction
An organisation or a firm can set standards that may determine what is good or bad while making decisions. These are the ethics of an organisation, knowing what is right and wrong and deliberately choosing to do the right thing. Traidos bank prides itself on being ethical. It is guided by having six principles. The principles are, promoting sustainable development in everything that they do, respecting and obeying the laws of any country that they work in, respecting human right regardless of race and culture, respecting the environment by discouraging negative influence, being accountable for anything that they ...

Question one

Elcogas is an entire financing project that is expected to become limited after the construction stage. In this project, the lenders such as banks needed a guarantee from the guarantors because the gasification of coal technology was being applied for the first time in a power plant. Additionally, the lenders also wanted a change of law to protect them against the variations in the way the state determines the tariffs of electricity. Regarding the financial arrangements, the project had 35 lenders that include large and small banks in Spain, France, Germany, and the United Kingdom (Elcogas Case Study, 2016). ...

Currency has been a medium of exchange from the existence of humanity and the Central bank was created for the sole initiative of ensuring reasonable currency exchange in different jurisdiction. Therefore, the thesis of this paper will be to look into the historical price movement and any central bank policy that has been put onto the British pound.

Price movement of sterling pound

First and foremost, it is worth noting that the British Sterling pound, is the fourth most traded form of currency after the US dollar, Euros and the Japanese yen. The price movement of the sterling pound is adversely affected by external ...

Insurable interest

Jeff had an insurable interest in the building at the time of the loss. Jeff owns the building and stores its inventory as well as operating a restaurant in the building. When fire destroyed the building, Jeff suffers a financial loss including the loss of revenue from the restaurant business. Therefore, he has an insurable interest in the building.
Richard does not have an insurable interest in the building at the time of the loss. A person can only have an insurable interest in a property if the loss or damage to the property results in a financial loss ...

1. Are subprime loans an unethical financial instrument, or are they ethical but misused in a way that created ethical issues?

Subprime loans are not considered to be an unethical financial instrument. However, their misuse results in both ethical and legal issues. Original goal of subprime lending is helping borrowers with low credit ratings or those who cannot maintain their repayment schedule to receive loans at a rate above prime loans.

Subprime loans appeared in 1970s, when social activists mobilized President Administration and U.S. Congress to deal with social injustices in home ownership, and provide loan opportunities to people from low-income neighborhoods (Eastburn 14). Since then lenders could charge higher rates to this kind of borrowers due to added risk, and ...

The term ‘macro-environment’ refers to the set of forces that influence the functioning of all the businesses at the market (Dibb and Simkin, 2008, p.26). In political terms, the fragrance market is likely to be impacted by the major trends in international relations (e.g., the conclusion of international agreements, openings and closings of markets). Similar, given the fact that the Middle Eastern producers of fragrances tend to export them to the markets of other countries, the state of the economic relations between the Middle Eastern countries and the rest of the world is highly important for exporters. Moreover, the ...

out from the fitted line. Now, tliers that spreads out from the fitted line. Now, in R&D with the symbol s

Executive Summary
SunEdison is a renewable energy company. Its revenue comes from semiconductor wafer manufacturing, solar energy business and TerraForm Power (wind power and global business). The company has recently filed for bankruptcy due to poor operational performance and its inability to serve its $11 billion debt. Luckily for the company, first and second lien holders have provided the required capital to continue operation. Overall, the renewable energy market is growing at a very high rate. However, due ...

Executive Summary

The case study is about Wachovia Bank and Trust Company regarding the operations of its Piedmont Operations Center Scheduling. The center handles the scheduling or the logistics of paperwork and cheques which need to go through the proof department and then get transported to the bank’s different branches in an organized manner. There are problems with increased volume of paperwork from 38 million to almost 43 million annually. This problem can be solved by incorporation of technology where necessary such the use of emails as well as minimization of paper usage inside the banking halls. Optimization of the ...

Question 1(a)

According to section 2 (a) (1) of the Securities Act 1933, a security includes a note, stock, investment contract, certificate of interest or participation in any profit- sharing agreement, collateral trust certificate, any interest or instrument commonly known as "security", or any certificate of interest in participation in, and so on. Section 5 of the Securities Act provides for the mandatory registration of a "security" and a registration statement in effect, failure to which, it would be unlawful for any person or individual to offer the security for sale to the public.
The case of Securities Exchange Commission v ...

Introduction

The low cost carriers (LCCs) have been enjoying very fast growth in the past several years. Airlines like Ryan Air, Southwest, Lion Air and Asia have become dominant forces in their respective regions. Opportunities for growth and expansion abound especially in the light of changing consumer preferences and habits stemming from the global financial crisis. To take advantage of emerging opportunities, Air Asia needs to go public and raise funds for expansion. While its business model has so far been very successful, certain aspects of it operations and business model need to be modified for it to be able ...

What is a cartel? (5 marks)

The companies in a market might collude to set the prices by making explicit or implicit agreements between them on the market price, sharing the market geographically, or controlling the quantity supplied in the market. The agreement between the companies in a specific market might create an oligopoly behaving like a monopoly. The companies might set the price, and all the agreement partners might obey the agreement. If the companies can create a large market power, they might behave like one monopolist. Cartel is the situation of existence of an explicit or implicit agreement between the companies in a ...

1. Company Profile

Thomas Cook Group Plc operates within the tourism and travel industry. The Company owns, operates and manages travel agencies, tour operators and car hire agencies, as well as owning their own aircraft fleet, cruise ships and resort properties. Thomas Cook is known as one of the largest travel companies in Europe.

2. Financial Analysis

The Thomas Cook Group has reported a robust set of results for the 2009 and 2010 financial years despite the uncertain economic environment and the significant adverse impact of a weak sterling pound. Thomas Cook‘s revenue for the year decreased by4% to £8,890million (5% deduction at constant currency).

...

Question 1: Why Cartwright Lumber Company needs cash

Despite the profitability of Cartwright Lumber Company, it still faces cash flow challenges. The financial statements indicate that the company has a low balance in its cash account. Profitability does not necessarily mean the firm has a stable cash flow. The income statements indicate that Cartwright Lumber has been profitable in each of the years from 2001. The net income has increased from $31,000 in 2001 to $44,000 in 2003. However, its cash balance has declined in each of the years. Large sales and profitability do not automatically translate into cash flows. The company has large balances ...

Amazon in emerging markets

The Amazon Corporation is one of the largest and most influential in the world. Started as a book vendor in 1994, it is transformed into “a global “customer-centric company serving consumers, sellers, and developers with operations in twenty-two countries” ( WDI Publishing). Nowadays, it is one of the world leaders in e-commerce. This fact is proved by the Figure 1 (Osawa, J., Mozur, P., and Winkler, R., 2014).
Figure 1 Comparison of Selected Electronic Commerce / Technology Companies
According to business dictionary, emerging markets are “new market structures arising from digitalization, deregulation, globalization, and open-standards, that are shifting the balance ...

Business Law: Case Analysis

Business Law: Case Analysis
Bank of New York Mellon Trust v. Morgan Stanley Mortgage 14-2619 (2016)
The facts of this case in brief are that the plaintiff Bank alleged that the defendant had breached its contract with it involving a mortgage loan agreement. The defendant on the other hand alleged that they were not obliged contractually to repurchase the mortgage due to the fact that the contract was vitiated by misrepresentation. The background of the case is that the parties entered into an agreement a mortgage loan agreement and the defendant then defaulted on the loan and the bank ...

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External analysis (Porter’s Five Forces)
Risk of Entry By Potential Competitors
In the insurance industry, one important indicator for its attractiveness to new players is insurance density, which is the average amount of insurance premium paid per capita. The US is sixth in the world with $5,965 with Canada and Luxembourg having $ 57,520 and $11,174. In terms of penetration, which is the ratio of the total premiums held in the country to its GDP; the US has 11% which is again 6th in the world. In comparison, Luxembourg and Ireland has 44% ...

Delhi-Mumbai Dedicated Freight Corridor

Summary
The study is based on the basis that large infrastructure projects, like the proposed Dedicated Freight Corridor (DFC), are essential drivers of the state economy and have significant implications for attaining low-carbon expansion goals. The intention of the study is based on whether the DFC project would concurrently support sustainable development, reduce freight traffic, and decrease carbon releases. For that reason, it would be a worthy project supporting development policies and climate change strategies at the end. Also, other massive infrastructure of this kind could formulate a strategy background for attaining the aims of low-carbon transportation and sustainable ...

Description of Business

“Magical Healthy Goodies” is a home-based business, selling low-calorie healthy cookies, cakes, and pastries. Business objectives, which are specific clearly defined targets, are the following: starting from December 2010, to increase sales twice by the end of February 2011, and achieve sales of $15 000 in the following 6 months. In order to do this, sole proprietor of the business Ms. Fatmah Hemdan will hire one personal assistant Ms. Alyaa Mohamed, who will be helping with orders, deliveries, and overall management. The business will use social media marketing, namely Facebook group, to promote their products. Social media activities will include ...

Mike Mayo takes on Citigroup (A) and (B)

Do you agree with Mike Mayo’s concerns about the extent of Citigroup’s DTA’s? Why or why not?
I agree with Mike Mayo’s concern about Citigroup’s Deferred Tax Assets (DTA’s). Citigroup’s DTA’s increased from $4.7 billion at the end of 2006 to $38 billion by the third quarter of 2009. Citigroup would use the huge DTA’s to shield future profits from taxation to a tune of $38 billion. However, the accounting rules require that a firm can only carry the DTA’s if it is reasonably probable that the firm would ...

Introduction

The main issues with Parmalat include the ineffective audit planning process and risk management. The company was involved in the fraud and misrepresentation of the financial statements. In addition, due to ineffective audits the company had to face severe consequences at the end. There is a need to implement effective audit strategies and risk management process.

It is important for the auditors to confirm cash balances with the financial institutions that are used in the cash reconciliation of the company like Parmalat. By using standard from confirmation, the auditor requests financial institutions to confirm by examining their records about ...

Based on the above discussion, recommend and justify the risk exposures that should be reported as part of an Enterprise Risk Management System for the Toyota Motor Company? (10 Marks)
The first risk that Toyota is faced with is the investment in commodities. Commodities such as non-ferrous metals, precious metals, ferrous alloys, energy, and plastic resin from outside sources may be subjected to price changes. Changes in prices can have a negative impact on the productivity for Toyota because inflated prices may result in delayed projects and the inability to complete planned products based on a lack of resources. ...

Q1 answer

Ambush marketing is a strategy adopted by a company or an advertiser to use an event such as a sporting event to create brand awareness in the market (Scaria, 2008). It is a good move for the advertiser because he or she manages to carry out the activity without incurring any cost for the event. An outstanding example is the sale of music stock during a concert without any notifying the promoters. Another example of ambush marketing is selling insurance policies by an insurance company during a bank open day without the bank's consent.

Q2 Answer

Ambush marketing plays a great ...

Q: Determine the annual effective financing percentage cost of the yen-denominated notes issued in each of the three scenarios in the Blades case for the future value of the yen.

Scenario 1: No change in value of yen
Scenario 2: 2% appreciation in the value of yen relative to Baht
Scenario 3: 3% appreciation in the value of yen relative to Baht
Q: Determine the probability that the financing cost of issuing yen-denominated notes is higher than the cost of issuing baht-denominated notes
As we may note from the above spreadsheet table, under all the three scenarios, the annual ...

There are various trade barriers in the food retail industry in the United Arab Emirates. Most of these trade barriers are usually directed to the foreign multinational companies trying to enter the market. The first barrier is the food standards set by the United Arab Emirates. In the year 2008, UAE joined the gulf standards, which is an organization that develops the various food standards (Anderson et al., 2010). The organizations set standards and rules relating to labelling standards and shelf life. These regulations are normally made possible through the various committees such as the organic food and biotechnology ...

In the United Kingdom, there are Listing Rules that require all companies with a premium listing of equity shares to abide by the Code; failure to which they must give shareholders a reasonable explanation as to why they did not comply. This principle is commonly referred to as, comply or explain. The United Kingdom Governance Code contains broad principles and provisions that are more specific and its effective for it covers issues such as risk management, remuneration, role of board of directors and relations with shareholders (Rafael 3).
Duties of directors are covered in Chapter 2 of the Company's ...

Information System Workshop Analysis

Question 1
For this workshop, the following IT roles can be identified:
System analyst intern; this is the opportunity to be filled, report to the IT director.
IT director; this person is in charge of the overall system operations and the organization's functionality. Mike McGee is the one in charge here.
System analyst; reports to the IT development manager, this role has two individuals involved. They include Lauren and Cathy.

IT development manager; in charge of management of the IT development sector, Felesia is the one in charge here.

IT operations manager; in charge of operational management reports, this sector is headed by Joe Tuner.
Database Administrator; in charge of database administration and report development, Dawn Rauntee is ...

Following the guidelines of the Course ID guidelinesStudent’s NameUniversity

A star analyst plays an important role in a financial institution. Therefore, a vacancy for the position of a star analyst is a major issue for the RSH. Furthermore, it is important to observe the role of a star analyst before hiring a new person for that position. The case study presents several ideas and important facts that must be considered while hiring a new person for the most important position in the company. It is important to know that the success of an individual depends on the effort and hard work delivered by a team (Roger & Zamora, 2011). ...

Introduction

The report presents discussion and analysis of compensation strategies of Nucor Corporation. The organizational structure significantly impacts the compensation system of an organization that affects its ability to attain strategic goals. If the compensation to executives is not aligned with the organizational culture then it may lead to adverse impact on the firm’s performance and lead to other consequences. Several studies indicate that the organizational culture has a significant impact on compensation as well as the firm’s performance. The firms offer different types of compensation to their executives that may affect the compensation structure. However, they are ...