Commercial bank

According to World Bank (2014), there are around 410 depositors per 1000 population in Bangladesh in 2013. Here, depositors include persons who have savings, current, time deposits and loan account in a bank. In another report Bangladesh Bank (2011) revealed ratio between depositors to people stands at 330 per 1000 population in the year 2010. In case of internet users, this ratio is 63 to 1000 (World Bank, 2013). Installation of fiber optic cable in 2006 has Licensed under Creative Common…

The year 1963 witnessed the foundation of the very first Islamic bank in Egypt, ever since that year and until today researchers are still interested in making researches that study the financial performance of Islamic and conventional banks. The global financial crisis that the world experiences every once in a while as in 2008, was the cause of the increase of the number of researchers, as they are interested in studying the financial performances of both systems; knowing that these studies…

• History The bank was established first as a joint venture in 1975, this was between two banks “The Chase Manhattan Bank” and “National Bank of Egypt” the Egyptian bank acquired 51% and the American 49% it was named “Chase National Bank of Egypt”. In 1987, the NBE (National Bank of Egypt) increased shareholders to 99.9% so it changed the name to CIB (Commercial International Bank) Egypt. In 2006 Ripple Wood holdings acquired the NBE stake; in July 2009, “Actis” a leading emerging markets…

written by Roger Miller that Uniform Commercial Code Section 3-403(a) “ the bank must recredit the customer’s account when it pays a check with a forged signature” (Miller, Ch. 24-3f). In this case where BB&T is liable for processing Union’s check with a forged drawer’s signature. Also according to UCC Section 4-406(f) that “a customer who fails to report a forged signature within one year from the date of the bank statement loses the legal right to have the bank recredit his or her account”…

According to the president of commercial banking, Michael C. Slocum, the competitive landscape for commercial and industrial lending is Capital One’s biggest external challenge. The low-interest rate environment of recent years, coupled with the overabundance of investment capital (from banks and non-banks alike), has become a long-term feature of the marketplace. This environment has resulted in a relative shift in bargaining power from lenders to borrowers in the middle market. One of the…

American System was designed to encourage economic enterprise in 3 ways. First, by creating roads and canals, then by developing secure economic institutions like banks, and to provide America's economic interests through tariffs. A New National Bank that offered a variety of currencies and credit, before too long there were over four hundred banks operating at this…

Peoples Bank acquired Washington National Bank (WNB) both out of necessity and possibility; this acquisition will help Peoples’ expand its business into Pennsylvania and other states, thereby transforming the company from a small bank into a medium-sized bank. In this highly competitive industry, Peoples’ must continue to grow as not to be acquired by another, larger firm. With WNB, the bank gains geographic expansion, valuable managerial experience, and front-line employees, reinforcing…

The secondary mortgage market is a huge piece of Americas real estate market. The secondary mortgage market allows bank to sell mortgages to certain investors and government lending agencies. This is where both Fannie Mae and Freddie Mac come into play. Although the names of both of these agencies sound similar there is one key difference between the two agencies. Let's look at what each of these agencies has to do with the mortgage and housing industry. Fannie Mae Fannie Mae also known as…

probable future risks that may be faced. The DIB bank adopts measures against probable risks through measures to avoid such adverse conditions like risk concentrations which results when a number of players are engaged in the same business. This occurs due to Competition arising due to many players targeting the same market in the same geographical area. The bank adopts credit management risk policies and financial management risk policies. The bank identifies areas where risk arises and in…

Santander and Bankia are two Spanish banks that focus on sustainability in the banking system and support national and international projects related to sustainability. Santander and Bankia have followed an opposite policy in the past, and it is fascinating to see how their policies have converged. The first bank, Santander, was and continue to be an excellent example of a sustainable bank; and the second bank, Bankia, was in the past an example of a bad bank with very low credibility and a bad…