Got a tricky question? Receive an answer from students like you! Try us!

Report on Aspects of the Contemporary Banking Sector - Risk and Profitability Analysis - Essay Example

Only on StudentShare
Finance & Accounting
Pages 4 (1004 words)


Risk and Profitability Analysis Name Title of Course Instructor Name Date a. Which bank offers the widest range of services to its customers? Based on an analysis of the four major British banks, HSBC offers a wide range of services to its customers. HSBC is one of the largest financial institutions in the world…

Extract of sample
Report on Aspects of the Contemporary Banking Sector - Risk and Profitability Analysis

According to the Sunday Times, HSBC’s commitment to sustainability has been recognized thus listed in the Best Green Companies List (2010). RBS is a retail banking institution under the RGS Group; it provides banking services including loans, deposits accounts and insurance. It is the largest bank in UK and the fourth largest bank globally. RBS is listed as the second best for customer satisfaction among the major high street banks. Barclays bank is another major bank having the largest network of ATMs in the region. It is the first UK bank to give local business customers access to online banking services to check their supplier credit ratings as well as the first bank to announce mass crush of contactless- enabled debit cards in the UK banking sector. The retail banking sector of Barclays offers loans, deposits accounts, insurance as well as Forex trading services for its customers. Lloyds TSB, a major banking network in the UK is a merger between Lloyds Bank and TSB thus forming one of the largest domestic banking forces in UK. The bank has over 3000 branches globally and are authorized and regulated by the Financial Services Authority. Lloyds TSB retail banking services include credit cards, deposit accounts, credit cards, and loans. b. By using at least 4-5 years of financial data, identify, calculate and interpret key profitability and risk ratios. ...
Download paper
Not exactly what you need?

Related Essays

Contemporary Management Practices within the Public Sector
A recent trend in the realms of business management shows that the public sector has shown a gradual shift in its operational perspective, with a greater focus on privatization, and an emphasis on cost saving and increasing efficiency. Comprehending the necessity of outsourcing large-scale work to the private sector for better economic growth and developments, many State governments have started the processes of public procurement, under prescribed directives and regulations created to regulate the process, as are seen in the Council Directives 93/37/EEC, 93/38/EEC and 93/36/EEC and their…
112 pages (28112 words)
Equilibrium and competition in the banking sector
Literature speaks of limited equilibrium modelling. General equilibrium, according to researchers depends on various market conditions. Further, level of equilibrium in banking industry depends on competition and financial stability, which depends further on banks’ risk-taking initiatives. Literature review discusses the opinions of various authors on the banking products as trade off between competition and financial stability on different risk choices. Various risk-transferring models are discussed. Role played by bank supervising technologies forms part of various models. New models of…
14 pages (3514 words)
Quantifying systemic risk in the European banking sector. A multidimensional approach
Systemic risk is the ultimate threat, its sources are varied and the propagation mechanisms involve major imbalances. The financial banking domain supports the present research, a choice motivated by the imperative of identifying potential risk-carrying factors in order to deeply analyse their impact and raise mechanisms for an efficient calibration of financial exposure levels. A major breakup within the banking sector, initially designed to serve the real economy generates severe imbalances with long-term implications for the whole financial industry and potential destructive nature for the…
20 pages (5020 words)
An analysis of the United Arab Emirates banking sector
In the present day context, the role played by the UAE banking sector can be observed as quite significant for the country’s elevating economic growth rate, both in the micro and macro environments. The banking sector of UAE offers a range of financial products and services targeting both the domestic group of customers and the international clients. Additionally, the recent banking scenario of the country has been witnessed to experience an increasing competition owing to enhanced product innovation requirements and availability of various substitute products/services (Arab News, 2012).…
12 pages (3012 words)
UAE Banking Sector
Page 3 Find the ratio of Housing Loans/ Housing Debt in UAE……………………. page 4 What are the components of housing loans in UAE…………………………… page 4 What are the consequences of not paying the housing loans?. page 5 Analysis and Valuation……………………………………………………. Page 6 Current banking policy regarding real estate exposure in UAE …………. page 6 Stress testing…………………………………………………………………………. Page 7 Recommendations and…
8 pages (2008 words)
An Evaluation of Enterprise Risk management value to banking sector of Zimbabwe
Population and Sample 20 7.3. Data collection instruments, sources and procedures 21 7.4. Data analysis and procedure 23 8. Time Frame and Budgetary Consideration 24 References 26 Bibliography 29 1. Introduction and Background to the Research The Zimbabwean economy has faced tremendous challenges in the banking sector after the liquidity crisis of 2003. The consequences of liquidity crisis declined the purchasing power of Zimbabwean currency at the level of 1953. As a consequence, the people who were extremely poor had to pay with their lives due to inability to cope with persistence economic…
22 pages (5522 words)
Risk and profitability analysis
Commercial banking is another kind of service offered by the bank which includes Credit and lending, International trade and receivables finance, Payments and cash management, Insurance and investment, GB&M. Global banking and markets is another verticals of services provided by the banks which comprises of Global markets and Global banking. The bank provides another domain of services like Global private banking which involves Private banking, Investment management and Private trust solutions (HSBC, 2012, pp. 60-61). Lloyds provides a range of products and services financial services which…
4 pages (1004 words)