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Banking

Top Biggest Banks Worldwide 2011

In spite of the financial downfall our world has experienced in recent years due to the economic crisis leading the bankruptcy or closure of some the most trusted and biggest banks in the world, some big others have still survived such as Bank of America, JP Morgan Chase & Co, HSBC Holdings and so on. 

The American multinational banking and financial services corporation Bank of America is named the largest bank holding company in the United States with the total assets of $ 2,264,909. Founded in 1904, this national bank serves clients in more than 150 countries and has a relationship with 99% of the U.S. Fortune 500 companies and 83% of the Fortune Global 500 and has been serving in globally. It has total assets of $ 2,264,909 and it is located in Charlotte, North Carolina in the US.

Bank of America

JP Morgan Chase & Co has been consistent with its position on the second place which widened its operation worldwide with assets of $ 2 trillion. The Forbes Magazine had made an affirmation that it is the world’s largest public company by its operation.

JP Morgan Chase & Co in America

HSBC Holdings of United Kingdom holds the fifth rank last year and gets a higher spot this year. It has total assets of $ 2,454,689

U.S.’s Citigroup was down one level ranking since it got the third spot last year, marking a remarkable return in spite of the major financial downfall this bank experienced

Mitsubishi UFJ Financial Group located in Japan grabbed the number 11th spot last year and went up by sixth level higher with total assets of $ 2,480,778

Founded in 1984 in Beijing China, Industrial Commercial Bank is ranked the sixth spot among the top 10 largest bank in the world

Wells Fargo & Co has a total assets of $ 2,258,128 which is a pubic owned company found and headquartered in San Francisco, California

China Construction Bank Corporation is one of the top four biggest banks in China and ranked as the eighth largest bank in the world

Founded in 1912, Bank of China went up by six rankings high, compared to its last year’s position at number 14 with assets of over RMB 6,951.68 billion

Royal Bank of Scotland’s ranking last year was number 4, down to 10 this year. It is founded and located in United Kingdom and has a total assets of $ 2,274,766.82

 

Top Biggest Banks Worldwide: Bank of America

 

Related links:

America’s Top Banks

2010’s Safest Banks Worldwide

Top Eight Largest Companies in Europe

Economics is the study of our lives,our jobs, our homes, our families and the little decisions we face every day. Thus, I am keen on reading and studying economic issues.

Banking

Solutions for Smooth Bank Operations

There has been a spate of changes undergoing in the banking sector. The current economic crisis and intense competition has made many banks turn towards innovative strategies to offer exclusive and fast services without causing any major turbulences either in the financial or administrative departments. The increasing number of regulatory standards that the banks have to adhere to is also a cause of concern as none of the establishments want to be trapped in any violating situation.

In such a stringent environment banks need to employ reliable and secure software solutions that can help them continue provide uninterrupted services to their customers. The banking software solutions are specialists in fraud detection and prevention, regulatory compliance, lending and leasing and financial reporting. The solutions deploy the SaaS model that ensures the enforcement of best practices and reporting of current requirements in the market as well as compliance regulations.

The banking software solutions ensure that the lending applications integrate without any fuss with credit bureaus and credit reports. These solutions are business intelligence tools that help in financial analysis. It also helps in the migration of the legacy software to the cloud model. It enforces strict security measures to check any fraud and helps in developing mobile banking applications.

Furnishing customers’ demands are top priority for banks. For this they need to be aware of their customers’ needs and deliver the desired services and products. If banks employ a customer research service they can accurately assess the requirements of the customers and develop products with the appropriate features and price in future and gain advantageously.

Most of the businesses do not make an effort to keep a track of the customers’ purchasing patterns and ignore interactions with customers that could reveal what they are searching for. To move ahead progressively banks need to employ innovative customer research techniques that can provide consistent information and help in planning of the launch of future products with cutting edge facilities and explosive results.

There has been a spate of changes undergoing in the banking sector. The current economic crisis and intense competition has made many banks turn towards innovative strategies to offer exclusive and fast services without causing any major turbulences either in the financial or administrative departments. The increasing number of regulatory standards that the banks have to adhere to is also a cause of concern as none of the establishments want to be trapped in any violating situation. 

Also read on: distributed software development, independent verification

Money

Where to Get Money For College

Knowing where to get money for college can be very difficult. If you don’t where to look or how to find it, you can end up spending hours and hours looking and never finding anything. However, there are a lot of people, such as myself, who know where to find the money and end up getting thousands of dollars to pay for college. The cost to attend the university I go to is $ 17,000 a year and I pay a little over $ 600. So, it is very possible to get most of your college costs paid for.

There are a lot of scholarship scams out there, I personally have been lucky enough to not have been scammed. But, you may not be so lucky. A good way to make sure a scholarship is not a scam is if they ask for any sort of payment or money for anything. If they ask for money of any kind, you should probably stay away from it. Another good way to make sure you aren’t getting scammed is to search for scholarships through reputable sites, such as fastweb.com. This is probably the best site to look for not only scholarships, but all information on colleges. As far as where to get money for college, this may be one of the only things you need.

Another great source of money is the university you are planning on attending. If you know what college you want to go to, then visit their website. Find the financial aid page, and look for their scholarship page. They have a lot of opportunities for people meeting certain criteria or writing an essay. You need to be prepared to write essays.

Your counselor is a great resource to find financial aid. They will answer just about any questions you have and if they can’t answer it then they will tell you where to go to find the answer. So take these tips and you should have a good idea of where to get money for college.

To get access to a free video that reveals the number 1 secret to getting money for college, visit Cheap College Now. This secret may very well make the difference between you getting hundreds or thousands of dollars to pay for college. It is completely free so go check it out now here.

Finance

Same Day Loans for People on Benefits ? Quick Finance for Everyone

Nowadays most of the people or most of the residents of UK have a whole chain of poor credit which thus causes a great obstacle in their way to success. Are you one of these residents? Are you searching for a way via which you can come out of this crisis? Are you hunting for the best kind of advances with which you can thus break your chain of bad debts forever? Well if yes is the answer that you have replied to all the above asked questions then same day loans for people on benefits with bad credit are the perfect kind of advances for all of your problems.

Same day loans for people on benefits are the best advances that are thus available for you when compared in the national as well as the international market. These kinds of advances are the best for all the residents of UK who thus make many past or even present debts and thus who want to once and for all want to get rid of them in a single go. These advances present to the borrower a very huge amount that ranges from £1,000 to even £25,000 and with which the borrower can easily be free from all of his or her past as well as many present debts and thus be tension free. The time period also that is set for the repayment is set from cash loans for people on benefits to even 10 years within which the borrower is thus required to repay the whole borrowed amount.

Even if the borrower is not able to repay the whole borrowed amount to the lender on time, then the lender has no kind of right or even the authority to take the assets or even the property of the borrower to thus claim for the unpaid amount. This is so because these kinds of advances are unsecured in nature which thus makes these advances very simple and risk free. Moreover, all that the borrower is required to do is just fulfil all the eligibility conditions and nothing else.

In unsecured tax loans the eligibility conditions also which are thus required to be fulfilled by the borrower usually includes that the borrower is required to be a resident of UK with a bank account that is properly maintained and thus accounted for periodically and in an orderly manner. The borrower is also required to be of age and thus have a job in which he or she earns a fixed amount of income. You can also get a hold of Same day loans for people on benefits with the aid and assistance of online.

Albie Morkel writes articles for same day loans for people on benefits with bad credit , cash loans for people on benefits and unsecured tax loans .

Finance

Homeowner Loans Allowing People to Get Finance from Their Own Homes

Homes are no longer only places to live. They are highly valuable assets for homeowners who can raise large sums of money by using them as security. Loans which are taken against people’s homes are called homeowner loans. Whenever homeowners are in need of large sums of money, they can get these loans by placing their homes as security to the lenders. These loans are also available at quite attractive rates of interest and thus are quite inexpensive for borrowers.

Homeowner loans are offered to provide finance for different purposes. They can be used to consolidate debts of the borrowers when they have multiple debts and are finding it difficult to pay them off or manage their monthly payments. Also, the homeowners can use the loans on the education of their children. Other uses to which funds of these loans can be put are home repairs, purchase of a car, wedding expenses and so on. In short, whenever there is a need of large sums of money, homeowners can obtain funds through these loans.

There are many benefits that can be gained through these loans. The main benefit is that through these loans, large sums of money can be gained. The exact amount depends on the value of the borrower’s home. Another most common benefit that has been mentioned earlier is that these homeowner loans carry low interest rates due to which they attract a lot of borrowers. Thirdly, the processing of these loans is quite quick and hassle-free and so, borrowers can get money quickly through these loans. Finally, these loans can be gained by people with bad credit scores also.

The only drawback of these loans is that the homes of borrowers have to be given as security. Hence, borrowers can be forced to sell their homes by lenders when they cannot pay back their loans. From the proceeds of the sale, the lenders can recover their funds.

Borrowers are often advised to spend time shopping around for these loans rather than taking loans from the first lenders that they find since their homes are at stake. They should compare the loans offered by different lenders in terms of interest rates, other fee and charges and repayment period. This will allow them to get good deals on these loans. Searching for lenders and comparison of their offers has become easier due to the internet. Borrowers can search for lenders and get quotes from them while sitting comfortably in their homes. They then have to choose the loans most suitable for them.

Thus, when homeowners loans are in need of funds, their homes prove to be quite valuable for them. By giving their homes as security to the lenders and getting homeowner loans, they can raise large amounts of money and then pay back the loans easily.

Secured Loans proffer you a beneficial version of secured home loans.

Finance

Easy online finance provide you enough funds to clear your pending bill

Passing through the stage of financial crisis is very common now days. This is due to the reason of an increase on the prices of the various commodities which has made everything very expensive. A person who has not enough funds to clear its pending bill and many of its debts are still left behind in that case the person is called a bad creditor. No money lender has a full trust on these adverse creditors as they might be not capable of paying the amount. So not to worry it’s better to forgot your past live in present in other word in order to lead a happy life it’s better to opt for such online financial aids which are specially meant for such people’s as they would protect you by availing funds in a very hassle free manner. With the help of these aids you can get quick money despite having imperfect score.

These online financial aids offers the amount ranges from pound one thousand to twenty five thousand and the time duration of repaying the amount is within six months to a decade. While acquiring this much amount you don’t have to pledge any collateral as a security or does not require any guarantor against the amount. The bad creditors are totally safe about their valuable assets as the lender would not take any his belongings in case of the nonpayment of the amount. Moreover it does not offer any credit checks so the background of an individual hardly matters a lot in getting the amount. Through these financial aids you can borrow amount on the basis of your present financial status. The process does not involve any hassles of paper work or faxing documents.

Before entering the deal of 12 months bad credit loans an individual should thoroughly revise the terms and conditions like age of an individual should be above 18, earning a fixed monthly income, having valid checking account and a permanent citizen of United Kingdom. The interest rate on the amount is high depending upon the amount you have borrowed. The applicant should be grateful on taking the amount but the payment should be made on time in order to get escape from the heavy penalties. For applying this aid internet is the best and easy source. You can get easy cash through these aids and can do anything you like with money you get in your hand.

Jack Grayn is financial advisor and shares he best views on 12 month bad credit loans @ http://www.12monthbadcreditloans.co.uk/ , 1 year loans and 12 month loans no credit check

Money

Save Money on Electric Bills

The recent global economic meltdown has made millions of people look for ways on how to save money on electric bills. They are doing drastic changes in their lifestyles. They are cutting their usage of water heaters, television use, and even air-conditioning use. They are doing everything they can just to save money on electric bills. Who could blame them? There is constant danger of losing your job, coupled with ever-increasing bills. People have realized that in order to weather out this financial storm, they need to cut back on everything, including energy use. Here then are just some of the many different ways you can actually save money on electric bills.

In any other household, the most obvious power consuming devices are your lights. Incandescent bulbs are the most common choice of lighting used by millions of Americans. However, they consume a lot of energy. The best way to tackle this problem is to switch to compact fluorescent bulbs. They consume less energy but will give you the same lighting power as that of incandescent bulbs.

When you are going to work or simply going out for a stroll, it is best that you turn off all electric gadgets. This will certainly reduce the amount of electricity you are using, especially if you work most of the day. You will be surprised to know how much money you can save just by unplugging your appliances when you are going out.

During the winter season, heating machines will usually run almost 24 hours a day. The freezing cold will certainly want you to turn those machines on. However, you can cut back on heater usage simply by ensuring your home is properly sealed up. You can do this by ensuring that the windows and doors are well sealed so that heat will not escape your home. Also, insulating your garage and attic can heat up your home. This will involve a lot of work but it is well worth the effort since this can save money on electric bills.

There are ways wherein you can save on the use of water when you are in the shower. You can install low-flow shower heads, which would greatly reduce the amount of water outflow but at the same time have the desired effect of a normal shower due to the increased pressure.

These are just some of the thousands of ways you can cut back on your usage of electricity. These steps may just be little in their own way but if you do them all for a whole month, you will be surprised at how much you can save money on electric bills.

Tired of high electric bills? Discover how thousands of families are using homemade solar power systems to power their homes!

Money

Time More Important Than Money

TIME! Every time you hear it mentioned, hardly can a discussion end without mentioning that word. Perhaps this underscores the value and importance of time. In fact life is a sum total of time spent, we like it or not the quality of ones life is determined by the value one gives to time. The age old adage is true;

TIME IS MONEY! But I will be quick to add that TIME IS MORE THAN MONEY because success in all areas of life is pegged on the utilization of this very important asset.

A successful person is one who successfully manages time, this requires a lot of focus and discipline which we can all learn. Every human being has 24 hours in a day; Barrack Obama, Donald Trump, Bill gates. the most successful people to the most poorest in the cadres of society all have equal time, the distinction is how each uses their time. there are a number of thing that goes with time which i call “windows to success” these are; opportunity, potential, connections, initiative and insight. Any person who will be able to utilize these elements “in time” will automatically be a success. Let me show you how.

The journey to success begins by discovering.

POTENTIAL: The question one should ask is; “What do I have in my hand?”. Potential may include such things as natural talents, skill, educational qualifications and passion. Every person interested with succeeding must go through this self evaluation. Because this is the starting point. the second thing you should have is insight.

INSIGHT. It is true that what you can see is what you will get out of life. Of course we are not talking about natural sight because you may have optical sight but walk around in life without a sense of direction. The sight we are talking about is conceptualizing some thing in your mind that causes inspiration to well up in your innermost being, insight causes one to see possibilities.

The person with insight does not have the word “impossible” in their vocabulary. In fact insight is what will enable you to see opportunity or rather “OPPORTUNITIES”. THE TRUTH OF THE MATTER IS THAT WE ARE SURROUNDED BY OPPORTUNITIES ALL THE TIME, insight is what makes you see these opportunities. Let me give you a story to illustrate this point; Two friends came across an advert that was put by the government that said for every wolf a person kills the administration would pay a thousand dollars. So the friends Immediately went to the forest with ammunition in hand ready for a hunt, the whole day they didn’t find any wolf but at night as they were getting ready to sleep they discovered that they were surrounded by a camp of wolves immediately one of them panicked and cried out “we are dead”. But the other friend shouted excitedly “we are rich”. You see both were seeing the same thing but their perception was different because they had different mind-sets.

Thirdly you will need to know the CONNECTIONS that you have, these are the relationships that you have because your life will ultimately be influenced by the friends you have. If you are hanging around people who are pessimistic you will become pessimistic, if you hang around guys who are positive in life it will eventually rub on you, so make sure you hang around people who are adding value in your life and who believe in you. And lastly if you are serious about success you will need to have INITIATIVE. This is where the rubber meets the road, some one said ” Dreamers are those who live in the world of wishful thinking, but visionaries are those who after dreaming wake up and decide to do something about it”. Its your choice Do you want to be a dreamer or do you want to be a visionary?

Time management is at the very core foundation of any successful endeavor.

Art Of Success

Money

Saving Money With a Hybrid Car

Gas prices are up. No, wait, they’re down. No, it’s summer time, and they’re up again. Isn’t it time to get off the gas price roller coaster?

You could leave your old gas guzzler home and opt for public transportation-provided you live in a larger enough metropolitan area where buses and/or trains run with appropriate frequency. You could carpool-provided you can find someone who lives near enough to your home, who works near enough to your job, and whose schedule pretty much parallels yours. You might even be able to ride a bicycle to work-provided you don’t live more than a few miles from your place of employment. These options will work for some people, but they certainly don’t work for everyone.

A hybrid car, however, is a solution for anyone who wants to start saving some money. It is true that the initial price of such a car may be a bit higher than a similar sized traditional vehicle. That premium price, however, will begin to pay for itself as gas prices fluctuate and rise as they inevitably will do. There is no question that a hybrid vehicle will get better gas mileage than a comparably sized traditional vehicle.

That improved gas mileage means more money in your pocket. Whether your commute is a few miles of stop-and-go downtown traffic, a long haul over many miles of freeway, or a mix of stop-and-go/highway miles, you will save money on gas. If your commute is of the stop-and-go variety, you may find yourself using very little gas on your daily commute.

For the long distance drives, you will certainly use less gas. Using less gas means more money in your pocket. You may find that your hybrid vehicle is also cheaper to insure than its traditional counterpart or that your state or employer gives you some additional perks for going green with your vehicle. You may be able to travel in carpool lanes and cut down your commute times (using even less gas, saving even more money). Your car may be eligible for some rebates and/or tax credits. Get off the gas price roller coaster. Spend a few extra dollars to buy a hybrid and start saving some money over the long haul.

For information on selecting hybrid automobiles, please go to: http://hybridautomobilesonline.com/

Finance

New Renault Kangoo Van Z.E. ? Available To Finance

As part of the UK’s new Plug-in Van Grant, Renault’s Kangoo Van Z.E is now available for purchase in the UK, at 20% of the initial purchase price. The Renault Kangoo Van Z.E has been voted the International Van of the Year, and boasts the credentials of being the only 100% electric commercial vehicle in the world.

A Tempting Offer to Finance

With such high credits to its name, the Renault Kangoo Van Z.E now retails at £13,592, a tempting offer that is guaranteed to have customers flocking to buy or finance it. This is a bargain for most vans, as the Renault Kangoo Van Z.E costs £8,000 less than its counterparts, making it a perfect business choice for motorists and pro-environmentalists.

Practical and Convenient

Speaking at the official launch in London, a Renault official says that the Renault Kangoo Van Z.E is the practical and convenient choice, combining efficiency and the need to care for the environment in one package.

Fuel Efficiency Is Key

Efficiency is a huge factor that motorists are looking for, and the car is expected to cost drivers £100 in fuel for every thousand miles. The Renault Kangoo Van Z.E comes in three variants, standard Kangoo Van Z.E, the Renault Maxi, and the five seats Renault Maxi Crew Van.

The Renault Maxi has a longer wheelbase, while the Renault Maxi Crew has extra passenger room with a five seat allowance. Since they are electric cars, the Renault Kangoo Van Z.E, Renault Maxi, and Renault Maxi Crew vans are exempt from road tax, fuel duty and the London Congestion Charge. Renault offer customer’s peace of mind with 4+ customer care package; a 4 year/100,000 mile warranty, 4 years/48,000 miles routine servicing, 4 years free roadside assistance, and 4 year finance option.

However, Seating in this adaptable automobile could be prearranged in up to four dissimilar directions according to the numeral of individuals being conceded. The bench seat could as well be closed into the floor to furnish an all-apartment surface and without charge, extra space for a carrying capability of 3.6m3. The 2-seat version is planned for goods transportation, and the frontage seats are classified from the cargo conveying field through an optional partition. It is in this configuration that Kangoo Van Z.E. extends its optimum burden capacity.

The Renault Kangoo Van Z.E. is furnished with a numeral of driving assists together with an optional cruise control, speed limiter, mechanical headlight and windscreen wiper activating and rear parking detectors.

For More Details:

Chrysler Finance

Chrysler Lease