BUSINESS REVIEW:
Through its continuous endeavor and stable development, the Bank has developed into the top large listed bank in the world, possessing an excellent customer base, a diversified business structure, strong innovation capabilities and market competitiveness. The Bank has its presence in six continents, and its overseas network has expanded to 41 countries and regions.The Bank provides comprehensive financial products and services to 5,090 thousand corporate customers and 465 million personal customers by virtue of the distribution channels consisting of 17,122 domestic institutions, 338 overseas institutions and 2,007 correspondent banks worldwide, as well as through its E-banking network comprising a range of Internet and telephone
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Total liabilities of the Bank amounted to RMB19,072,649 million, RMB1,433,360 million or 8.1% higher than that at the end of the previous year. The Bank realized a net profit of RMB276,286 million in 2014, representing an increase of 5.1% as compared to the previous year. Return on average total assets stood at 1.40%, and return on weighted average equity was 19.96%. Core tier 1 capital adequacy ratio stood at 11.92%, tier 1 capital adequacy ratio 12.19%, and capital adequacy ratio 14.53%. Operating income amounted to RMB658,892 million, recording an increase of 11.7%. Specifically, net interest income was RMB493,522 million, growing by 11.3%. Non-interest income reached RMB165,370 million, rising by 13%. Operating expenses amounted to RMB292,280 million, recording an increase of 18.5%, and cost-to-income ratio dropped by 1.28 percentage points to 26.75%.
Corporate Banking:
At the end of 2014, the Bank’s corporate customers increased by 359 thousand over the end of the previous year to 5,094 thousand, including 140 thousand corporate customers having loan balances with the Bank. According to statistics from PBC, the Bank had the largest balance of both corporate loans and corporate deposits in the banking industry, with a market share of 11.17% and 11.64%, respectively.
Corporate Deposits and
In their work, Plato and Paulo Freire have offered harsh critiques of education and learning. Plato compares people to prisoners in a cave of darkness in relation to knowledge, and Freire refers to a “Banking Concept” of education in which teachers put their thoughts and information into students’ minds much like the deposition of money into a bank. Instead of this money being of value, Freire and Plato acknowledge that the value declines. Although many people refute the concept of accepting new knowledge and admission of mistakes, I claim that both Plato and Freire produce valid points about the corruption of education because people cannot learn unless they have an open mind and truly desire to learn. Ultimately, what is at stake here is the effectiveness of learning and continuing the cycle of education.
These accolades represent the Royal Bank of Canada’s leadership in granting customers and clients the finniest banking service and customer experience, which translates into one of the Royal Bank of Canada’s greatest strengths in the industry. This success is further evident through their second quarterly report of the 2015 year, in which the Royal Bank of Canada earned a net income 2.4 billion dollars (“About RBC”, n.d) compared to BMO, another member of Canada’s “big five”, that only earned 1 billion dollars of net income during the same year and quarter (“BMO Financial”, n.d). Furthermore, being one of Canada’s most well-known banks is another strength the Royal Bank of Canada can boast about; due to its popularity and relevance it is more often than not that clients will affiliate themselves with a trusted and relevant brand such as the Royal Bank of
A Report on NatWest Bank and an Analysis of the Banking Industry 1. Introduction This report focuses on NatWest and the industry in which it operates. The purpose of the report is to give a concise but accurate view of how NatWest operates as an organisation and the links between its environment, in this case the banking industry. Company History =
Bank of America is considered one of the major banks in the banking and financial industry. As of May 2015 it established a profit of 163 billion dollars. While creating a substantial amount of profitability in the market, it has also garnered 97.02 billion dollars’ worth of sales. This positive outlook has enabled the organization to have a stock of 15.38 with a positive 31 cents per share. The company functions as an organization that provides banking, non-banking services, and products within the United States and abroad. Its profitability depends on the five important segments needed to be successful and unique in the banking industry. The five segments consists of Consumer and Business banking, Consumer Real Estate Services, Global Banking, Global Markets, and Global Wealth& Investment Management. Consumer
The Royal Bank of Canada is Canada’s largest bank by market capitalization and the 18th largest globally. They offer financial services to both the private and public sectors, acting as an investor for small businesses and in the retail industry for individual consumers. The bank
Is based in Hong Kong, where the bank’s business has been physically conducted, and with a large network of branches in Asia, a very large London branch office, and several US branches, plus a subsidiary bank in California and a representative office in New York.
This was followed by securities constituting 20% of total assets while cash is the least with 4% and other assets with 12%. The liability shows that deposit constitute the most material aspect of the total liabilities and equity with 61% followed by borrowings with 28% and shareholders equity with 11%. This shows that the bank is illiquid and invariably insolvent. This is because the bank’s ability to meet demand on deposit and short term liabilities (61%) with available cash (4%) is very
Since it’s establishment CIB has been consistently awarded for its broad range of products and services on numerous occasions by international publications. Awards won include “Best Sub-Custodian bank in Egypt” for five consecutive years; along with “Best FX Provider in The Middle East” by Global Investors 2012. Furthermore, as of December 2013, CIB’s gross loan book reached EGP 46 billion, while customer deposits marked EGP 97 billion, with a paid-in capital of EGP 9 billion; making CIB the most profitable bank in Egypt. In addition, CIB’s marketing capitilization is the highest in the banking sector in Egypt, amounting to over EGP 29 billion as of December 2013. Furthermore, they operate a wide distribution network of with 152 outlets and more than 500 ATMs. It also has subsidiary brands like CI capital, CIBC, FALCON (for monetary transport) and ot...
In this paper, we review the balance sheet provided or XY Bank and cover the differences between a company and a bank’s balance sheet. Additionally we highlight why some of the balance sheet figures are what they are and look at loans and securities and cash levels held at the bank.
This paper will analyze the mission and vision statements of JPMorgan Chase & Co against the performance of the organization. An evaluation of how well the company lives out its mission and vision statement will be provided. The organization’s strategic goals link to the company’s mission and vision will be assessed. An analysis of the company’s financial performance to determine the link between the company’s strategic goals, strategy, and its financial performance. A competitive and marketing analysis of JPMorgan Chase & Co will be conducted to determine its strengths and opportunities.
In Corporate and Institutional Banking (CIB) we will either upgrade or exit clients where returns are poor; favour network businesses such as Transaction Banking and Financial Markets; and build a leading position in banking selected buyers and their suppliers
As of recently, the NAB bank has had an extremely low level of cash and liquid securities. This report will define these risks and the possible hazards that these will pose to NAB and cover how these risks came to fruition. Therefore, this report will cover all the options available in order to solve this issue and propose a definite solution that is most preferable.
The industry is composed by a continuum of banks which produce a homogenous product — banking service. Domestic as well as foreign competition is violent. Not to forget the fact that ICBC has not been the first bank to embrace internet banking. So, it is all the more reason which places the bank in the most precarious position to continuously shield it self from the volleying competition.
The Traditional Theory of Banking In this paper author review the traditional theory of banking and attempt to examine the theoretical reasons for why banks exist. As a financial intermediation, the natures of the banks are to provide financial services and conduct the intermediary functions in the whole financial system by accepting deposits and making loans. The question raised here are how they conduct these roles and why the borrowers and lenders do not come together without the banks for the saving of intermediation costs, why both of the two parties are ready to pay for their services and what’s the value added by the banks? The paper proceeds as follows. Section 2 offers a traditional view of banks and describes the nature of them.
A variety of groups are concerned in bank profitability for various reasons. The bank shareholders would want to know if the value of their investments is high or low. The investors also use current and past performance to predict future price of the banks’ shares traded on the stock exchanged. The management of the bank as trustee of the shareholders is evaluated and compensated on the basis of how well their decisions and planning have contributed to growth in assets and profits of their banks. Employees of bank also are concerned with profits, since their salaries and promotions are frequently tied to the profitability performance of their banks. Depositors use bank performance and profitability as indicators of security for their deposits in the banks. Finally, business community and general public are concerned about their banks’ performance to the extent that their economic prosperity is linked to the success or failure of their banks.