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Internship Report on MCB Kuthery Chowk Gujrat

MCB was incorporated in 1997 and was subsequently privatized by the Government of Pakistan. The Nishat Group bought the mainstream shares of the bank and so got the rights to handle the banks operations. In view of the fact that the privatization of the bank, MCB has execute different policies to make it one of the most excellent banks of Pakistan, which incorporated introducing innovative products and services and enlarge its operations by opening new twigs in Pakistan. I did […]

The Importance of Credit Risk

Credit risk implies a potential risk that the counterparty of a loan agreement is likely to fail to meet its obligations as per the original loan agreement, and may eventually default on the obligation. Credit risks can be classified into many forms such as options , equities , mutual funds , bonds , loans and other financial issues as well , which in extensions of guarantees and the settlement of these transactions. (International Auditing Practice Statement 1006 Audits of the […]

Impact of Electronics Banking on the Banking System

Twenty first century is the century of science and technology. Science and technology changes people both personal and professional lives. The rapid changes and advancement in electronic devices and its distribution channels that have produce tremendous changes in business from last two decades. [1] Growing competition between bank and non-bank financial institutions also raises a question that why some customers are adopting one distributional channel and others are not and identification of those factors that may influence customers to adopt […]

HSBC and Financial Deregulation in the UK

A little over five years later, HSBC appears to be weathering the banking storm as the unofficial ‘Last Bank Standing’ of the UK banking system, whilst the CEO of RBS has lost his job and the bank itself has had to accept recapitalisation on terms that could concede a majority equity stake to the UK government Following the extensive financial deregulation in the UK throughout the 1980s, many banks began rapidly growing their product portfolios, taking advantage of the deregulation […]

How Central Banks Control Money

How Central Banks Control Money Definition of Money Supply: The whole supply of coin and other fluid instruments in a nation’s economy. The money supply may incorporate money, coins and parities held in checking and investment accounts. Financial specialists investigate the cash supply and make arrangements flowing around it through controlling premium rates and expanding or diminishing the measure of cash streaming in the economy. Money supply information is gathered, recorded and distributed occasionally, ordinarily by the national bank and the […]

How Can Financial Crisis Defined?

Financial crisis can be defined as a considerable decrease in economic activity extended across the economy, which lasts for a significant amount of time, visible in real GDP growth, real personal income, employment (non-farm payrolls), industrial production, and wholesale-retail sales, we have already seen such a situation at the time of great depression earlier and now since 2007, What was different in the two crisis was the later one was the first one since globalisation, What that meant was that […]

How do Banks Evaluate Financial Projects and Offer Loans in Uzbekistan

Banks play critical roles in every economy, and perform an important role in terms of maturity transformation. They operate the payments system, and are the major source of credit for large swathes of the economy, and act as a safe haven for deposits’ funds. They collect demandable deposits and raise funds in the short-term capital markets and invest them in long-tem assets. It means resources from those in surplus (depositors) are allocated to those in deficit (borrowers) through the banking […]

Function of Financial Institution

Financial institution is an institution that provides financial services for its clients or members. Probably the most important financial service provided by financial institutions is acting as financial intermediaries. Most financial institutions are highly regulated by government. Function of financial institution Financial institutions provide service as intermediaries of the capital and debt markets. They are responsible for transferring funds from investors to companies in need of those funds. Financial institutions facilitate the flow of money though the economy. To do […]

Global Financial Crisis-causes and Remedies

Introduction After the collapse of the twin towers and the tech bubble the American economy was in dire need of a stimulus. The Fed under Alan Greenspan reacted to this crisis by pumping liquidity into the system. This response would have worked well under normal circumstances, since it helps in the growth of the economy, however since due to previous overinvestments in the economy the extra money was not put to productive use. The central role that finance plays in […]

Financing Ethnic Minority Businesses

Financing of ethnic minority firms – focusing on Asian Perspective Background to the Study The significance of ethnic minority firms in the United Kingdom has witnessed a tremendous increase in recent times with ethnic minority communities now constituting a significant portion of the small business sector[1]. Reports from the Bank of England[2] confirm that 5% of the national population accounts for 9% of new business start-ups and 7% of the total business stock in the United Kingdom. This implies that […]

Finance Essays – Foreign Exchange Currency

Foreign Exchange Currency The term foreign exchange is normally used to denote foreign currency surrendered or asked for in any of its current forms, i.e. a currency note or a negotiable instrument or transfer of funds through cable or mail transfer or a letter of credit transaction requiring sale and purchase of foreign exchange or conversion of one currency into another, either at the local center or an overseas center. The banks, dealing in for exchange and providing facilities for […]

GiDa Ltd: Analysis of Financial Performance

GiDa Ltd Analysis of financial performance Table of Contents 1 Introduction 2Financial Statements and ratios 2.1Income statement 3.2Balance Sheet 3Limitations 4Overdraft reduction plan 5Conclusion Bibliography Appendix 1 – GiDa Ltd – Income statement Appendix 2 – GiDa Ltd – Balance Sheet Appendix 3KPI’s The following report has been produced by Drake Consultancy on behalf of GiDa Ltd, a corporation that is involved in the design and manufacture of casual and leisure clothing aimed specifically at the higher-income young persons market. […]

Financial Markets and the Economy

In Greece the government dept and the money owed to pension funds, summing up to 1,2 trillion was becoming a huge burden . All the national services were running on a deficit and they were showing great inefficiency. In addition to this, corruption was obvious in every sector and tax evasion was more than a common practice. Generally Greek banks followed a very conservative strategy and did not invested in high yield assets nor did they get involved in the […]

Financial Analysis of Banking Sector of India

Financial Analysis of banking sector of India: Special Reference to Private Sector Banks Financial statements are those statements which provide information about profitability and financial position of a business. It includes two statements, i.e., profit & loss a/c or income statement and balance sheet or position statement. The income statement presents the summary of the income earned and the expenses incurred during a financial year. Position statement presents the financial position of the business at the end of the year. […]

Financial Analysis of British Telecom, BP and Nike

Title: Brief for website content The brief contains summaries of corporate activities of lead multinational companies that has successfully operated their businesses worldwide and now take effective measures to withstand the adverse affects of the global financial crisis. Strengths, weaknesses, opportunities and threats of British Telecom, British Petroleum and Nike are analyzed to provide a clear insight into the companies’ business operations, and challenges they currently face. Three short success stories describing Nike, HSBC, and Shell successes serve as case-study […]

Expansion of Knowledge in the Modern Era

Owing to the rapid changes and explosion of knowledge we have to combat with the modern era. Research is the basic requirement of this and for the forthcoming challenges of the commercial and materialistic world. So understanding phenomena and making my mind practically explore. I joined FBL Arifwala and collected some data of the bank and compiled this report in such away that a salient feature to be highlighted for the researcher and concerning people of the bank. The division […]

The Danger of Giving your Personal Guarantee

In order to support a borrowing request, the directors of a limited company may offer to provide personal guarantees. What issues should you be aware of when taking these guarantees and how would you address any concerns? The support for guarantees provided by directors has changed a lot since the early days of banking. Whilst it used to be acceptable for a level of trust and a personal relationship to be enough for security for a bank, these days the […]

Financial Accounting and Procedures Required in a Company

To form a limited firm in the UK, following few documents are needed to send to Companies House for registering it: IN01 application form to enlist a firm which includes One address for the firm’s registered office, Different type of articles, Also pre defined names and address for the directors of the firms, It also includes the statement for the initial and total capital (paid up or un paid) and the initial number of shares that company is going to […]

Evaluating the Current State of Indian Banking

The commercial banking structure in India consists of the following entities: Scheduled Commercial Banks and Unscheduled Banks Scheduled commercial Banks constitute those banks, which have been included in the Second Schedule of Reserve Bank of India (RBI) Act, 1934. RBI includes only those banks in this schedule, which satisfy the criteria laid down vide section 42 (6) (a) of the Act. Further, Indian banks can be broadly classified into public sector banks, private banks and foreign banks. Public sector banks […]

Examining Corporate Governance Initiatives in Malaysia

In an effort to restore public confidence of the Malaysian capital markets, following the East Asian financial crisis in the late 1990s, the Malaysian government intensified several initiatives to promote awareness, advocacy and actions (S. Susela Devi, 2003) to enhance corporate governance in Malaysia, with prioritized focus on the capital market. Table 1.1 in Appendix I provides a chronological list of corporate governance initiatives in Malaysia. According to Abdul Hadi bin Zulkafli et al. (2000), the main sources of corporate […]

Examining the Major Banking Organizations of Sweden

Banks are of central importance for economic growth, credit allocation, financial stability, and the competitiveness and development manufacturing and service firms. The structural features of Sweden banking systems have changed significantly over the past 20 years. The increased availability of credit has been the corollary of the dismantling of barriers of trade in Sweden financial services. Sweden banking and finance sector has undergone considerable change in recent years. This has created greater competition, not only among older banks but by […]

Euro Currency and Bonds

Introduction…..5 Euro Currency……..5 Euro Currency Market Institutional Settings First Principle Deposit Rates Euro Deposit Risk Euro Bonds Market Dimension and Currency Composition Dimensions Currency Composition Regulatory and Institutional Features Primary Market Competitive Market Grey Market Pricing of Euro Bonds Problems and Risk Arbitrage Opportunity Global Bond Firms with and without Currency Hedging References Introduction Financial crisis is one of the most if not the most disruptive shock to an economy. It results into a steep and rapid devaluation in asset […]

The East Asian Financial Crisis and Regulation

The East Asian Financial Crisis: Deregulation or More Regulation? The East Asian countries were presented as an example for other developing countries (their progress was called “the east Asian miracle by World Bank”) until the East Asia financial crisis. Some blamed the government for the crisis saying, state intervention was the root of the problem. Some held the financial liberalisation process responsible, Even today, many scholars and experts hold different opinions on the roots of this crisis and the solution […]

Electronic Dealer Financing Scheme

ELECTRONIC DEALER FINANCING SCHEME: The scheme provides for financing purchases of dealers from corporate/industry Majors With whom tie-up has been entered. It is completely web based solution with customised MIS provided to the shareholders. The industry major enjoys timely availability of funds. The dealer can make effective utilization on working capital funds. Both industry major and dealer can make use of improved cash flow forecasting. SME LIABILITY PRODUCTS FOR DEPOSIT AND TRANSACTION BANKING: There are different types of deposit and […]

Development of India’s Banking System

Introduction With a population of over 1 billion, India is one of the most important countries with accelerating economic growth. According to the World Bank (2009), the annual GDP growth of India has been more than 7% over the past ten years. The financial crises in 1997 and 2008 have revealed the importance of robust banking system towards economic development. Indian Government liberalized the banking system through Indian Banking Sector Reform in 1991. From the first bank in India in […]

Discuss Future for the Securitization of Commercial Property

Commercial property is one of the major sources of business in this competitive world. If we own or rent office space, property costs will be the largest business overhead expenses along with the unknown price movements of these properties due to some micro and macro economic factors such as inflation, GDP, interest rates etc. For these reasons securitization of these assets are given more importance. Commercial mortgage backed securities (CMBS) The CMBS are debt securities that use commercial assets as […]

The Effects of the Credit Crunch

International Stock Markets Introduction The objective of this document is to gain an understanding of the effect that the credit crunch has had on international stock markets, what the different governments have done or are planning to do to alleviate this problem and the elements that precipitated such a crisis. Therefore in the document the author first begins by defining the credit crunch and the current situation. Then in the next section the author goes on to analyze the effects […]

Credit Risk Management in Banking

This chapter demonstrates the literature that is relevant to the research on Credit Risk Management in Banking. The author has enclosed literature on dynamics, models, model features, and Basel II regulatory process for credit risk. The author has also enveloped literature on credit risk management in banks. The author has also exhibited the literature on currently available approaches in calculating and managing the credit risk and it’s fit of with current banks in India. This chapter mainly focuses on the […]

Contemporary Issues in Accounting and Finance

Bankers’ remuneration is perceived amongst the core recession triggers, which lured top bankers to engage into socially wasteful investments. The aim of this report is to discuss how remuneration packages may affect bankers’ behavior in the short and long term. Furthermore it will provide a critical evaluation of the main recommendations of the Walker’s Review. Lastly, a comparison of the remuneration packages of directors in Barclays and RBS will deliberate whether they are justifiable with performance. Remuneration is defined as […]

Changes of International Settlement Example for Free

Bank of international settlement (BIS) is established in 1930. It is the world oldest international financial institution that remains the principal centre for international central bank corporation. The major parties are the Governor of The Bank of England, Montagu Norman and Hjalmar Schacht counterpart from German. Bank international settlement is established by Young Committee in 1930. (Wikipedia, 2011) This is due to issue of facilitate reparation payments imposed on Germany by the Treaty of Versailles after the First World War. […]

Bank Essays