An Analysis of the Choice Between Separated and Mixed Operation Model for Icbc( London)

The banking industry has undergone major upheaval in recent years, largely due to the lingering recessionary environment and increased regulatory environment. Many banks have failed in the face of such tough environmental conditions. These conditions

Ping An, founded in 1988, is a private company that sits at the intersection of banking and insurance in China. It has taken advantage of China being the world’s fastest-growing insurance market and reductions of regulatory controls following China’s entry into the WTO in 2001. Ping An has built a highly profitable business and is exploring using the Bancassurance strategy, that is, selling its insurance products via banks in order to quickly and inexpensively develop market share without the need to develop agency relationships in the direct channel. While its largest shareholder is HSBC (16.13%), Ping An’s own foreign investments have been less than successful, with a failed $3.4 billion investment in large European bank Fortis in 2008. The global financial crisis was a major factor influencing this European failure, but the Chinese banking sector generally was largely insulated from the GFC due to its closed structure and no heavy investments in Europe. In 2009, Ping An acquired the Shenzhen Development Bank and is once again considering expanding the company abroad.

This paper will show the situational analysis of commonwealth bank, it also analysed the organisational structure and its strategies. Because every business needs to take some action that will help them keep a good position in the market, but before taken any action they have to do some research the find to cause of problem in order to identify the resolution. The results and useful information during this analysis will help the organisation to choose suitable strategies, develop that management strategies and improving the service operation, which is going to help them achieve their objectives. At the beginning it will be presented brief history of commonwealth bank and following by their operational service, problems

There are various categories of banking; these include retail banking, directly dealing with small businesses and persons. Commercial and Corporate banking which offers services to medium and large businesses (Koch & MacDonald 2010). Private banking, deals with individuals, offering them one on one service. The last category is investment banking. These help clients to raise capital and often invest in financial markets. Most global banking institutions provide all these services combined. With all these institutions in existence within the same localities and offering similar services, there is a need to regulate the industry so as to protect the consumer and provide fair working environment for all banks (Du & Girma, 2011).

Randall submits that building firewalls and Chinese walls will abolish the synergies between financial and non-financial institutions. In addition, Randall also points out that government should restrict the areas where synergies is not required to cancel out by building Chinese walls and where the risk is acceptable rather than stop supporting creditors of fragile banks. Randall suggests that there should be barrier for non-banks to enter into banking sector in order to avoid the enlargement of safety net (Randall, 63-74).

JPMorgan Chase and Co. (JPMorgan Chase) is one of the main suppliers of money related administrations on the planet. The organization's buyer and business banking and solid capital sufficiency are its real strengths, even as home loan and commercial banking continue to be a territory of concern. The organization's introduction to the current financial imbalances and extraordinary rivalry might affect the organization's performance. Be that as it may, the little business banking and worldwide asset management business sector could display new development chances to the organization.

Investment Banking is now at a crucial junction, where Investment and Commercial Banking are splitting up due to the ring fence which is being built around these two banking areas. As well, the new upcoming regulation, Basel III, will have a huge impact in the investment banks, with higher liquidity and capital requirements, in order to increase solvency and stability in financial industries.

The 2008 US financial crisis triggered global economic shocks, not only profound influence or even change the financial pattern of the world economy, but also a vivid lesson to the global banking industry. After the outbreak of the crisis, the United States Government has put forward the toughest financial reform bill for decades, expanding market intervention, and with economic globalization and financial liberalization, we need to absorb the experience and lessons of American banking system reform in the context of financial crisis. Citigroup is a typical example of the bank that influenced by the financial crisis and restructured.

These banks should ideally be divested of any sort of commercial interest, and must act in the best interest of its nation’s economic stability. A lot of meaning is carried out in being identified as ‘independent’ authority, where the bank possess powers to take its own decisions, approve its own legislature, follow its own policies and offer stability to the nation’s economy.

Deregulation, innovation and globalisation has changed the way banks run from asset management to liability management, as well as the change from ‘mono’ to ‘multi-tasking’ and the increased competition in the sector as well as risk. The banking system has evolved drastically from the traditional mono-tasking institution to what it is now. This change in roles of asset and liability management could be one of the main reasons behind the global

This report compares financial performance of two major banks of UK i.e. HSBC Bank Plc and Barclays Bank Plc on the basis of their Balance sheets and profit and loss accounts for the year 2009. This report also provides SWOT analysis of both banks i.e. HSBC and Barclays Bank Plc and provides an insight into their Banking Strategies.

Lately, the international financial integration has increased. Over the years, the world economy has witnessed an increase in the number of individuals and businesses using international banking services. In today’s competitive global economy banks have the option to solely service their home market, to export services to foreign markets, or to establish a presence in that market. Essentially, banks have two options of expanding their operations in foreign markets. They can either service foreign clients through their domestic offices or they can establish a presence in the foreign markets. In general, the reasons for bank internationalization in

The greatest weakness of HSBC Holding PLC is its capacity of not taking full advantage of its brand name. It has long operated through different name like Hong Kong Bank of Canada. Despite providing its services since many years, the organisation did not display itself under only one brand name. As such the brand recognition can be damaged. Its potential customers may think that HSBC is a new entity and not realise that the organisation was well established in the country since long

Private banking industry has changed in a very basic way, driven by many key factors such as: free competition systems, modern developments in information technology (in particular, developments of the internet), and changing demographics. Private banks now operate in an environment shaped by increasing and shifting regulations, and in markets influenced by the uncontrolled situations of the world economy and geopolitical issues.

Performance analyses of the banking sector have been the topic of different international research studies that focuses the macro economic factors and the affects they have over banks performance. The internal factors also used in different studies for the investigation of their