Relevance And Implications Of Forecasting Retail Deposits

* Forecasting is an impartial strategic ingredient that will ensure apt base for reputable planning. Our forecast is always the first step in developing plans in running the business along with our future plans of growth strategies. With this tool, we are able to anticipate our sales within reason that then can allow for us to control our costs in conjunction with inventory which will then help us to enhance our customer service. Sales forecasting is a vital strategic tactic in our company’s methodology.

Forecasting is used in all businesses. Forecasting is used to help businesses decide how much they should produce and where to sell a product. Forecasting can aid a company in knowing the lifecycle of a product, which can help them to determine when and if they should discontinue a product. Forecasting can also help managers close the gap between supply and demand. If a forecast is properly predicted the supply of a product can satisfy the demand of the product. Forecasting is not always accurate however, and can lead to either over production of a product or underproduction of a product.

Forecasts: Forecasts means the process if making prediction if the future base on the past or present data.

Many nations have implemented deposit insurance for the protection of the depositors from losses that result from the inability of a bank to meet its debts. As an element of safety net in the banking system, deposit insurance is meant to increase financial stability. A Deposit Insurance system (DIS) main objective is to make sure that that firms and households do not loose savings as well as deposits they hold in banks in case of bank insolvency (Fdic.gov, 2014). It creates some confidence within the financial system and promotes favorable services by banks. Therefore, DIS is not meant just for the protection of depositors in a single bank but also ensure overall financial stability. Borrowed money is increasing becoming the main source

Conversely, the banking system are required to keep a portion of the depositor funds for precautionary circumstances and ‘the rest may be converted in to loans, thereby increasing the available cash by a factor that is a multiple of the initial deposit’ (Business Dictionary, 2010). For example, assume that the money supply in the economy is £900 billion, the total deposits are £500 billion and the reserved required is 12%.

Judgmental forecasts are predictions made by a group or individual, often with adequate expertise. They are typically useful when there is a lack of historical data or dealing with a new situation (Armstrong, 1985). Trends in finance, economic conditions, and medical outcomes can be forecasted in this way. However, judgmental forecasts are vulnerable to several psychological biases.

In this paper I will discuss Forever 21’s retail market and financial strategy. I will examine the company’s sustainable competitive advantage that upholds the company’s edge over its competitors. I will explain how the company’s fast fashion retail is becoming a threat to other companies with the same type of products such as Zara and H&M. These companies should be worried because Forever 21 is faster and cheaper, it 's expanding its consumer base, and it 's fighting with the competitors head on. I will discuss exactly how Forever 21 is planning on being the number one fast fashion retailer in years to come, and how the placement of the stores is an important factor for it’s success. Forever 21’s expansion strategy is to increase the amount of stores currently in the US and also to add locations over seas. CEO Don Chang plans to double the size of the company in the next three years by expanding it’s total retail footprint. In this paper I will also explain how Forever 21 compares financially to its competitors and I will discuss the net sales for the company in 2014 as well as the competitors net sales in both dollar and percentage amounts. I will describe the controversy behind the trends of Forever 21’s future sales, and depict the current trends in both negative and positive light due to opposing views of the company. I will determine these strengths and weaknesses of the company and explain them in great detail to show exactly how well the company is doing

If all interest rates are projected to decrease, to limit a profit decline when this occurs, the bank could encourage its retail

process. Forecasts serve as decision support tools that allow leaders to plan for the future by

Forecasting involves using past data to generate a number, set of numbers, or scenario that corresponds to a future occurrence. It is absolutely essential to short-range and long-range planning.

Forecasting is the art and science of predicting future events. Forecasting is a statement about the future. “Operations management is designed to support forecasted

THE EFFECTIVENESS OF THE BASEL REGULATORY FRAMEWORK ON BANK CAPITAL Bank activity is characterized by asymmetric information. Depositors cannot monitor the quality of banks’ assets and doubts on the solvency of banks might lead to panic and ‘bank runs’ (Llewellyn, 1999). If this should occur, depositors will be induced to withdraw their savings, causing a liquidity crisis for the bank that can potentially lead to the failure of the intermediary. Moreover, doubts regarding the solvency of one bank can create worries about Comparative Economic Studies A Tanda Capital Regulation and Banks’ Behavior 33 the solvency of other banks, leading to a generalized panic. Bank runs are considered as extreme events that are potentially highly disruptive.

This project was prepared with the kind assistance and support of many individuals both internal and external to the Bank who have contributed directly and indirectly in many ways to the successful completion of this exercise. Special mention has to be made to the following categories of persons.

o Appropriate mechanisms for protecting possible disenfranchisement of small depositors who may not be elcomed by the emerging mega-banks;

Capital gathering which in turn is essential to economic growth and development the stages of accumulation are savings and investment among them saving is most crucial because it is basic constraint for investment and development so capital accumulation and economic growth is affected by the rate of savings in the economy mobilization of savings becomes all the more important in the economy when economic growth is set with in frame work of targets with maximum reliance on internal resources. In a study conducted by national institute of bank management (NIBM) it was observed that the savings and that about 75 per cent of the gross domestic savings (GDS) cane from the house hold sector and approximately 45 percent of the household sector savings were kept in the form of bank deposits. The banking sector has played an increasingly imperative role in the financial intermediation process by mobilizing savings in the form of deposits. Deposits are the main source of funds for banks the bank of the total liabilities of a banking company include deposits. Hence banks serve financial needs of various sections of societies, the larger volume of funds can attract, the better the position they are in to lend funds. Scheduled Commercial Banks are those banks which were included in the second schedule or 2E of RBI ACT, 1934.