Analysis of P&L Statements

They have been able to generate different sources of revenues through commercial banking, credit card and retail financial services, which separates them from competing with some investment banking companies. The accounts, products and features the company offers sometimes have fees which it is willing to waive. Since the company wants the “share of wallet” of high balanced customers, it will take such actions. This action of course has the potential to deepen relationships. In the article by author Charles Keenen he states, “According to Bancography, a consulting firm in Birmingham, Ala., a customer who has just one product with a bank will stick with that bank for about 18 months, but add even one product - a savings account, perhaps - and the average jumps to four years. Customers with three products will stay with the bank for about 6.8 years.”

• In 1993, the bank was together advanced by the Administrator of the Unit Trust of India (UTI), Life Insurance Corporation of India (LIC), General Insurance Corporation Limited (GIC), and its backups which are- National Insurance Company Limited, The New India Assurance Company, The Oriental Insurance Corporation and United India Insurance Company. The Bank was situated up in 1993 with a value of Rs. 115 crore, with UTI contributing Rs. 100 crore, LIC- Rs. 7.5 crore and GIC and its auxiliaries contributing Rs. 1.5 crore each.

Public Bank will always keep the bank services provided by them up to date. Let’s say some other banks are having some sort of saving programs which of course will benefits their customers, Public Bank will try to think of an even better saving programs to make sure that they are always providing the best to their customers. For example, during a certain seasons like Chinese New Year, there will be some new saving programs for the customers or discount for loans to buy houses, cars or any other allowed properties. This will then causes the people to choose Public Bank first when it comes to saving and loaning as they are providing all these programs that other banks do not or a better programs and services than the other banks. Hence, Public Bank will always think of new ideas on how to improve their services that will be provided to their customers in the very effective way and also try not to be the same with the services of other banks normally provided so that it becomes a unique and a win for them. People that are under certain ages will also have a higher chance to get a loan to buy properties as well. If necessary, they Public Bank will also update their policies to make sure that it are easy to follow and understand when it comes to providing the bank services to their

Statements are prepared in accordance with Generally Accepted Accounting Principles (GAAP), which refers to a set of rules, standards, and practices. They are used throughout the accounting industry to prepare and standardize financial statements that are issued and help investors and creditors compare companies within the same industry. Companies are expected to follow generally accepted accounting principles when they report their financial information. GAAP affects the measurement of economic activities and the disclosure of information about activities. It also affects the preparation and summarization of economic information, and the record keeping of measurements at average intervals.

The purpose of this report is to analyze the financial operations and financial conditions of BB&T Bank by evaluating financial, economic and market information available for the period from 2000 to 2008. This paper attempts to address key strengths and

Thereby creating commitment to customer service transformation, market share growth, the implementation of key e-banking initiatives across all segments, the growth of corporate and trade finance capabilities and significant investment in the human capital represented by the over twenty five thousand UBA work force. Heirs Holdings Limited (2013)[Online].

The growth of the bank’s revenue for its shareholders, is also as a result of the respect the bank has on delivering quality services, respecting the views of everyone involved in their business, having a leadership system that is easily approachable, being

Our main focus in 2015 will be to reverse the trend of deposit loss into one of growth. Last year was especially difficult for the Needham branch, as only Q2 yielded positive growth. Nearby competitors offering myriad products with superior rates was the main factor for our shrinking deposits in Needham’s rate-sensitive consumer market. In order for us to retain and grow our deposits, it is imperative for us to create value in other ways for our customers.

Over the years, UOB objective is to be seen and be known as a leader in the field of consumer and commercial banking services in the region. And to do so, they have came up with innovative treasury and investment banking products to provide an absolute solutions to their customers.

Bank of America, or BAC, is often one of the most popularly traded stocks. In April, the share price of BAC declined over 5% to $11.63. (Oleinic, 2013) As interest rates start to bottom out, the bank must constantly adjust to keep revenue up. Currently the 52 week range of BAC is $6.90 - $13.99. Although it has a larger 52 week range, the company is still somewhat stable. It has achieved this by building a strong balance sheet. In 2012 Revenue in millions was reported at $84,235 while Net income was reported at $4,188. Compared to 2011 revenue dropped almost $10,000 however Net income increased from

With assets of over $47 billion, New York Community Bancorp (NYCB) is the twentieth largest banking holding company in the U.S. and a leading provider of multi-family loans in the New York City.

Unity bank is a small player in US market. It struggled to attract clients with large shareholder bases as such large corporate prospects mainly go with large trusted brands.

In the sources of funds, Deposits contribute the highest proportion as compared to others in 2009 (52.5 & 47.9 respectively) through which it is clearly evident that deposits of foreign banks are growing at rapid rate. In deposits, the term deposits contribute a significant portion of 29 % in 2008 and 27.9% in 2009 which shows that the term deposits are attracting more attention and contribute bulk of deposits of foreign banks over Savings Bank & Demand deposits.

The company has a great working relationships with local banks, which enables them to invest more and have better overdraft options; stated in the 2016 annual report: “In the event that there is an overdraft balance with the bank, the Group and Company have bank overdraft facilities totaling $19,275,000 (2015 - $22,430,000)

According to the Report, 2009 was a difficult year. Pakistan had to face the adverse economic , energy crisis and high inflation as a result of which the resulting GDP was 2.5 %. In this situation HBL maintained its market position as the largest retail bank in Pakistan in terms of branches and deposits. In 2009 HBLS loans were mainly directed towards the financing of raw material needs of the government. HBL Group closed 2009 with a profit before tax of Rs . 21.4 billion , which is 26.3 % higher than its closing Rs.16.9 2008000000000 . This was achieved by controlling the cost of funds and the effective management of operating costs. The net asset value of the Group increased by 27.2 % to Rs.84 billion. In 2008 it was at Rs . 66 billion . Total deposits increased by 14.3 % to Rs . 683000000000 2008 . Rs 597 billion , and HBL has grown its market share of 13.35 % in 2008 to 13.44% in 2009 HBL was also awarded Best Bank , Best Trade Finance Provider and Best Provider of changes in Pakistan by Global Finance for 2009 , as well as the best bank in Pakistan by the Banker