Executive Summary : Santander Group

Sainsburys is currently the second largest chain of supermarkets within the UK, with a current supermarket sector share of 16.9%. Sainsbury’s was founded in 1869 and today operates in over 1,200 supermarket and convenience stores, and has over 161,000 employees. We will be looking at a number of areas internally and externally and see how they are effectively or not effectively performing.

Santander Bank, formerly known as Sovereign Bank, is a wholly owned subsidiary of Banco Santander, a Spanish bank. The bank mainly operates within the North Eastern region of the United States, with its headquarters based in Boston, Massachusetts. Santander bank offers various financial services and products, among them retail banking, mortgages, corporate banking, capital markets, insurance, cash management, trust and wealth management as well as insurance. The bank holds over $77 billion in assets, and has 650 branches. It also has over 2000 ATMs and employs 9800 employees.

The Target Corporation is a general merchandise retailer that opened up in in 1962 under the parent company of Dayton Corporation. This parent company was renamed the Target Corporation in 2000 and are based out of Minneapolis. There are over 1,800 Target stores throughout the United States which includes Targets and Super Targets. In 2005 Target began expansion in India and in 2011 to Canada however this expansion into Canada did not fare well and all Target Canada stores were closed by 2015. According to Forbes in 2005 they we ranked amongst the highest cash-giving companies in America with 2.1% given and they donate about 5% of its pre-tax operating profit. In 2010 Target was ranked number 22 by Fortune magazine’s World's Most Admired Companies.

3. What are each of the financial statements commonly called in for-profit health care organizations and in not for-profit care organizations?

The company has recently made moves to build its retail banking business and its credit card business. In 2012, Capital One completed the purchase of ING Direct USA, a deal that added $80 billion in deposits to the company's balance sheet. It then added HSBC's US credit card business. This move added $28 billion worth of credit card assets to the company's portfolio. These acquisitions were substantial in nature - $9 billion for ING and $31.3 billion for HSBC (No author, 2012). They indicate that the primary focus for growth at Capital One is to build on its core businesses. Such expansion of its two largest businesses indicates that Capital One is more interested in focus there than in expanding

Sainsbury’s was founded in 1869 and now it is operating in 1200 supermarkets and convenience stores. More than 161,000 Employees are working in Sainsburry.It is the third largest chain of supermarkets in UK with a share of the UK supermarket of 16.5%.Today the Company became the largest Grocery retailer in 1922.In 1995.Tesco Overtook Sainsburry’s.After that it became the market Leader. Recently, On 4 October 2007 Sainsbury’s announced plan to relocate their store Support Centre from Holeborn to Kings Cross in 2011.Between 1991 to 2010, Sainsbury’s Turnover increased to 2.9 billion to 21.4 billion, with a small dip in 2005.This company is putting their customers at the heart of everything they do.

Serco Group is a conglomeration of different operations with the defining characteristic that the company provides government services to institutions throughout the world. Serco employees nearly fifty thousand individuals and offers services that include such items as providing record keeping to schools and prisons, administering drivers licenses, providing administrative services to the armed forces and even providing services to CERN. Since Serco mainly targets governmental institutions, the general public is not typically familiar with the firm. One reporter referred to Serco as "the biggest company you have never heard of" (Martinson, 2006).

Pershing LLC originally was founded on January 1st, 1939. In 2003, The Bank of New York acquired Pershing LLC the second largest clearing house in the globally. In 2007, The Bank of New York and Mellon Financial Corporation merged and formed BNY Mellon. Presently, Pershing LLC is an Indirect Wholly Owned Subsidiary of The Bank of New York Mellon Corporation.

Commonwealth Bank has become one of biggest bank of Australia; one of the reasons is ERP implementation. The ERP system helps the financial institution to communicate worldwide, talking about its various management department, for them it’s really effective. Such as using customer relation management software it helps in keeping the records of consumers in data warehouse, which can be used at the time when information needed by the bank. For Human resource management it provides 24/7 hours services to customers and also helping employees due to real time processing. Financial resource management, it gives the relevant data of clients like whether this consumer has positive records or not and provides credit on the basis of their history. Manufacturing resource planning, ERP supports the firm to know about happenings during production process. Supply chain management, to select the best suppliers for the cards, the bank needs Enterprise resource planning. However this software got some weaknesses like it may be expensive and chances of security issues are always.

Arup is a professional service firm specialising in engineering, design, planning, and project management and consulting services for the built environment. Arup is a global firm, present in Africa, North and South America, Australasia, Europe, Asia and the Middle East. It has nearly 10,000 staff based in 92 offices spread over 35 countries with its headquarters situated in London, UK.

Santander Bank, the wholly owned subsidiary of Santander Group prominently serves Northeastern American by providing numerous financial products and solutions for personal and business needs. Although it is a new face in the northeastern region, it has roots dating back to 1857 when Banco Santander began operations. Today, Santander Bank operates through a dedicated network of 2,300 ATMs, 650 branches, and assets worth 77 billion along with a team of 9,800 employees and it is headquartered in Boston. It offers a broad array of financial services on personal, business, and corporate scales.

Within this report, diligent focus will be shown to the financial year of 2010 and the final year of

The purpose of the report is to measure the performance, financial position and liquidity of the general retailer, Debenhams plc. Its operation would be compared to that of the prior year as well as that of a rival company in the same industry.

Santander’s largest lending activity is shifted towards auto finance and Santander expanded a strong market share in offering financial assistance to consumers. With a strong presence on auto and retail credit presence, Santander also explored into different financial services.

In addition, its Consumer Finance division operates through Scandinavia and other European countries. Its shares are listed on the stock markets of Spain, New York, London, Lisbon, Mexico, Sao Paulo, Buenos Aires, and Milan, and are featured on 62 different indices. It operates in four segments: Continental Europe, United Kingdom, Latin America and Sovereign. Continental Europe segment covers all retail banking business, wholesale banking and asset management and insurance conducted in Europe, with the exception of the United Kingdom. United Kingdom includes retail and wholesale banking, asset management and insurance. Latin America includes the specialized units in Santander Private Banking, as an independent globally managed unit. Sovereign includes all the financial activities of Sovereign, including retail and wholesale banking, asset management and insurance. On March 10, 2010, Santander Private Banking UK Limited completed the sale of James Hay Holdings Limited (including its five subsidiaries). Santander’s has a unique position in international banking: combining recurring retail business and geographical diversification. This company have been demonstrating the capacity to consistently increase revenues and generate value for its