Westpac Banking Swot

Year-end total loans of BAC increased $40.3 billion to $940.4 billion in 2010 compared to 2009. According to its 2010 annual report, the increase was primarily due to the impact of adopting new consolidation guidance partially offset by continued deleveraging by consumers, tighter underwriting and the elevated levels of liquidity of commercial clients. WFC total loans…

Aflac is a company that its main business is into health and life insurance that cover special conditions, particularly cancer.

JP Morgan and Chase (JPMC) is the top fanatical service of US market and the biggest bank in US. JPCM with its exceptional 5 different business segments, which are corporate and investment banking (CIB), consumer and community banking (CCB), asset and wealth management (AWM), commercial banking (CB) and corporate entity.

Next what catch my eye was an increase of amount of money owned by the business to the Creditors so this will be money leaving the business within the near future and if this continues to raise then the business will end up in huge debts. I have find out some improvements as well such as an increase in the amount investments in fixed assets, which could mean the business is investing more or more of the assets were sold from last year which is good news for a business.

Given the Commonwealth Bank Group’s franchise position, the organisation aims to capture the opportunity to generate growth domestically and outside of Australia by identifying and meeting more of the needs of its customers.

ANZ’s 2011 EM was 15.62x, slightly higher than Westpac’s 15.35x, suggesting ANZ’s assets are funded by more debt than Westpac, this combined with lower returns is usually indicative of a low-performing institution (Koch & MacDonald, 2010, pg. 122). Further decomposition leads to analysis of the Expense ratio (ER) and Asset Utilisation (AU).

Wells Fargo is an American multinational diversified financial services company. The company operates throughout the world. It is one of the largest banks in the US in the state of assets. Moreover, Wells Fargo is the largest market capitalization bank in the US. It takes the second category in the field of deposits, delivery of home mortgage services, and delivery of credit cards. The company has its headquarters in Francisco, California. The company has coverage of more than twenty-four states in the US. In every state, it has established its headquarters that act as distribution and storage regions for the company's products and services. The company offers insurance, banking, mortgage, and consumer financing through the sale and distribution of its networks across the US. The advantages of Wells Fargo Company are widely distributed: they have helped it realize a stable market in the United States and around the globe.

The return on shareholders’ fund, capital employed, total assets all have gone down during this period. The ability of the company to pay its short term debt hasn’t varied much, but the administrative expenses have gone up by a very large amount.

CIBC has focused its core business on retail and business banking, wealth management, and whole sale banking. They have shown a proven track record of providing there customers with financial services and advice through a group upwards of 1100 branches worldwide. Strategies CIBC has portrayed is to continually find new ways to enhance the experience of the client and to stimulate safe revenue growth. CIBC has put emphases on creating deep meaningful relationships with all clients, constantly trying new ways to improve service and sales prospects and to create relationships with new clients while retaining existing clients for a long period of time (CIBC).

In review of the operating costs, overhead and administration have increased by 8% from 2008-2011 or $116,870. In addition salary dollars continue to increase from 2008-2011 by $111,150 with no efforts to flex. The other expenses are staying steady in proportion to gross revenues. There may be opportunities in these areas however salaries and overhead is the greatest opportunity to scale back costs and contribute to increased net income and ultimately positive cash flows. Flexing salaries and benefit to 44% of gross revenue and reducing overhead and expenses to 10% of gross revenue is recommended for Ms. Ringer to increase net income to $152,956 and equity to $240,214 (exhibit Operating Statements-2012 proforma).

In this first section of the Social Media Plan for Wells Fargo, it will discuss the internal and external environments of the company, this will also include a SWOT analysis. Following this analysis, the corporate objectives for social media will be discussed as well as the target market analysis.

Operating expenses includes production costs, such as direct labor, indirect labor, inventory carrying costs, equipment depreciation, materials and supplies used in production, and administrative cost. This was not happening at Alex’s plant. His inventories had increased over the past six or seven months and operational expense also increased. This meant he had a lot of work to do to keep his plant open and he was now aware of it.

According to the financial statement, during 2015-2017, Burberry were making profit in the three year however the firm had a drop in the net profit constantly. In 2015, the profit for the year was 341.1m, it was down by 7.77% to 314.6m in 2016 and it

Barclays reported net profit of £ 10,289 milllion in 2009, an increase of 96% as compared to 2008.Although Barclays Bank

The asset composition also shows the large holding of British national securities. In the balance sheet, deposits at banks, Crown Agents, etc. make up most of the assets until the liquidation phase, at which point the board held a large portion of its assets in British treasury bills.