Tag Archives: banks

Finance

Bob Jain & How To Handle Credit Card Loss

Credit card loss is one of those events that people react to in different ways. While some people remain calm and collected, others might become more stressed by comparison. With this in mind, you should know that there are ways you can help yourself if your own credit card goes missing. Here are just a few ways to handle such an issue, courtesy of Bob Jain and others who understand all aspects of finance.

The first thing to do after realizing that your credit card has gone missing is take a deep breath. It’s important to compose yourself, since becoming overly stressed is not exactly going to help you find your card any easier. After all, who’s to say that you didn’t just leave it at home or have it fall behind the car seat? Regardless, companies like Bob Jain CS will tell you that keeping a cool head will allow you to overcome this circumstance easier.

You should also look around you, to see if you have simply dropped your credit card somewhere. The thing you have to know about items that go missing is that, more often than not, they’re closer than you’d expect them to be. In fact, you might be scrambling around for no reason, as the card in question could be under your nose. After you take the deep breath mentioned earlier, calmly search your surroundings.

Of course, there are times when credit cards are simply unable to be located, regardless of how much work is put into this. This is when you’ll have to contact your bank, as recommended by Robert Jain CS. The bank will be able to cancel the card you lost, before sending you a new card that, hopefully, won’t go misplaced. As you can see, you are not out of luck when it comes to missing credit card situations.

By following these steps, you’ll be able to handle any missing credit card situation you find yourself encountering. Hopefully you won’t have to deal with this issue, but at least you’ll know what to do if this small crisis ever arises. Make sure that you keep a cool head, before following the proper steps to ensure that your credit card is back in your possession. After all, no one’s financial situation should be put at risk.

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Finance

Bob Jain: What Types Of Bank Accounts Are There?

Anyone who’s familiar with finance will tell you that bank accounts come in various sizes, not to mention different forms. The latter is especially true, seeing as how the accounts in question can be used for a number of reasons. Experts in the world of finance, like Bob Jain, will be able to tell you the same. For those who are looking to make the most out of their finances, here are a few types of accounts to make note of.

Savings – If you want to talk about long-term investments, you’re going to want to bring a savings account into the discussion as well. This is designed for needs in the future, ranging from a new car to retirement. What this means is that the funds built within said account should be built upon, as opposed to dipped into for smaller needs. Needless to say, the more that you build your account, the more effective it will prove to be.

Checking – No matter how important a saving account is, you’re not going to get far without a checking account. The latter is used on a regular basis, so that you can access your funds for day-to-day purposes. For example, if you have to pay for groceries during the weekend, the money used to cover them will probably come out of your checking around. This is just one instance that names such as Bobby Jain CS can tell you about.

CDs – Given how different these accounts are, you might not know what they’re all about. Certificates of deposit, for the uninitiated, are designed to help invest money over the course of time. What this means is that they can be used for numerous purposes, even for several years down the road if you’d like. CDs can be quite effective for financial reasons, which I’m sure that Jain Robert CS will be able to attest.

As you can see, bank accounts can come in numerous forms, with different purposes to boot. Even though you might not use all of these for your financial needs, it’s still good to have this information in the back of your mind. After all, the more that you know about finance, the better your choices will be in this sense. When you open the right accounts, you can save more money, which will offer you more comfort in the long run.

Contact Robert Jain CS if you’d like more financial assistance from Bob Jain CS.. This article, Bob Jain: What Types Of Bank Accounts Are There? has free reprint rights.

Finance

3 Tips For Running A Bank, With Bob Jain

Anyone who has held ownership of a bank can tell you how much work it can be. Even with the right level of work ethic set in place, there are still many challenges that can be encountered, which I’m sure the likes of Bob Jain can attest. For this reason, there are quite a few steps that should be taken to ensure the quality of your business. Here are just 3 of the steps in question that will help you run the best bank possible.

In order to run an effective bank, you have to make sure that the right people are hired for the job. They should have a strong understanding of finance, as well as personable attitudes. These will come together in order to create a greater level of work, which will be useful in keeping clientele for the long term. Of course, this is just one of many tips that companies the likes of Bobby Jain CS will be able to offer.

It’s also worth noting that providing a high level of service to your clients is essential. Keep in mind that these men and women will most likely contact you with questions, meaning that you have to respond to them as well as you can. By doing so, you will be able to offer greater detail that they can take advantage of, solving the concerns they had. As a result, a level of success that Jain Robert CS can approve of will come to your bank.

Finally, in this day and age, it’s important to make social media a priority. Not only can you use this platform for marketing purposes, but you’ll be happy to know that it can provide a line of communication between businesses and their customers. For this reason, establish presences across various channels, so that you’ll be able to address everyone. By doing so, you’ll be able to run a bank with even more success on the horizon.

As you can see, there is quite a bit of work that goes into running a bank of the highest quality. Fortunately, these talking points should help ease the level of challenge you might have seen in this field. You have to understand that while there might be certain obstacles in your way, none of them are too lofty as to be impossible to overcome. More than anything else, you have to be willing to put in the work to see long-term success.

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Banking

The Categories Of Banks, From Robert Jain

Banks are common everywhere, but the same cannot be said about specific types of establishments. As Robert Jain can tell you, banks come in different forms, so it’s easy to imagine that they offer unique services compared to one another. What do these entail, you may wonder? For those who are curious to learn about this unique finance topic, here are a few of the types in question that you might want to know about.

Retail – When it comes to the different types of banks available, retail is perhaps the most common. For those who do not know – and Robert Jain can expand on this – retail banks are focused on helping consumers on individuals levels. They offer checking and saving accounts alike, which can be used for standard and long-term investing respectively. If you have either of these accounts, chances are that you work with a retail bank.

Online – The main selling point of online banks is in the name. For those who do not know, these locations operate entirely on the Internet, meaning that there are no physical locations to speak of. Nonetheless, some people prefer these due to how immediate they are, whether it’s in terms of deposits, withdrawals, or other functions entirely. This category matters, and companies such as Robert Jain Credit Suisse can agree.

Commercial – Even though retail banks can help individuals, this doesn’t mean that they have all the capabilities to assist businesses. This is where commercial banks can come into play, since they can go above and beyond to help companies of varying scopes. They can provide lines of credit, as well as manage payments made by customers. Examples such as these illustrate just how important commercial banking is for businesses, regardless of what they specialize in.

If you were curious to know about specific types of banks, these are among the most common. As you can see, they are designed to fit certain needs, not to mention various points of accessibility. It doesn’t matter if they are more focused on the Internet, or if they’re used to appeal to businesses more so than individuals. Whatever the case may be, understanding banking in the broadest sense will be able to help you in the long run.

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Banking

Robert Jain: The Qualities Of A Bank Teller

When banks are hiring, there are certain qualities that they tend to focus on. Robert Jain can agree, seeing as how everything from money to financial information in general must be handled with the utmost care by tellers. This is where the aforementioned qualities come into play, and it’s easy to see that each one matters. For those who are curious to know what these entail, here are just a few important points that you would be wise to consider.

Personable – One of the things to know about the best bank tellers, according to Robert Jain, is that the best ones are as personable as can be. They are nothing short of likable, which means that they can interact with a number of consumers to help generate success. To say that this matters would be an understatement, but it’s not like it’s the only necessary trait. In fact, there is far more ground to be covered.

Analytic – In order to work in any financial field, be it as a bank teller or otherwise, you have to be analytic. An understanding of numbers, as well as how they work together, is essential if you’re going to work in this field. Being able to comprehend them is nothing short of important, meaning that you have to focus on how concerns can be addressed in relation to them. Companies such as Bob Jain Credit Suisse would be hard-pressed to disagree.

Vigilant – In terms of vigilance, for bank tellers, this is primarily focused on security. After all, finances can be rather sensitive, meaning that it’s important to focus on ways in which your work can be made more secure. Software should be updated on a routine basis, and new hardware should be brought into the workplace as it becomes available. When these facets are covered, the work of a bank teller will become that much stronger.

Of course, these are just a few key traits that bank tellers should have, meaning that there is ample discussion that can be made in addition to this. Regardless, it’s easy to see why financial information should be treated with the utmost care, so businesses must make it a point to focus on quality. When qualities such as these are recognized, the cream stands out from the crop. These are the individuals that will, in due time, help the aforementioned businesses see greater success.

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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

Recruitment in Banks of India

Bank po and bank clerk are two most exciting jobs offered by a bank to any candidate. Both these posts require a person with good computer literacy as most of the work depends on it. It is a challenging job to recruit individuals for the job as it is most preferred by the youth because of the handsome pay it offers along with respect and honour. They carry out the major functions in the bank and undertake the major responsibility of keeping track of the most confidential information of the customers.

Bank po recruitment:
Bank probationary officers carry out most of the general work of the bank.
They are the left hand of the bank and every bank requires them. This has increased the demand of the post of bank po and therefore a tough procedure has been adopted by the bank for the recruitment.
The candidate must be a graduate with a minimum score of 60percent in order to be eligible to appear for the exam. An interview follows the exam, which is equally tough. The final result is based on the overall performance of the candidate in both the exam and the interview.
After recruitment, the candidate has to serve a probation period of two years. Before the period is served he/she can do any work in the bank.
After the probation period is served, the candidate has to do the routine work like passing, scrolling, advances etc.
Bank clerk recruitment:
Like recruitment for the post of bank po, bank clerk also undergoes the same procedure of an exam and an interview.
However, they are immediately recruited without serving any probationary period.
The candidate must be a citizen of India. The minimum age to apply for the post is 21 years and the maximum is 30 years.
There are different types of clerks like loan clerks, who deal with the loans taken from the bank, security clerk, who look after the certificates etc., new account clerk, who answers the queries of new customers and open new accounts, etc.
Thus, a customer encounters a clerk in every stage; therefore every bank requires clerks specialized in every field. However, all of them should have the basic common characteristic of good communication skills and computer literacy.
Bank clerks and bank po are two jobs with good job profiles and highly coveted. The Recruitment in banks and these posts is a tough process however hard work can help you pull it through.

If you want to get tips for Recruitment in banks , tips for Ibps recruitment and for bank po recruitment on jagranjosh.com .

Banking

Best and Largest African Banks

Standard Bank is a top African banking group that focused on emerging markets globally. The bank’s Corporate and Investment Banking division serves a broad range of client requirements around the world for banking, finance, investment, trading, risk management and advisory services. Standard Bank has received numerous awards such as the Best Investment Bank in Africa (Euromoney 2009), Best Bank for Payments and Collections in Africa (Global Finance Magazine 2009), Best Trade Finance Bank in sub-Saharan Africa (Global trade review 2009), African Bank of the Year (The Banker 2009), to name a few.

Barclays has had a presence in Kenya since 1925, offering personal and retail banking, and Barclaycard credit card services. Barclays Kenya is named the Best Bank in Corporate Banking at the Think Business Banking Awards 2010. It has also been named the Best Bank in Kenya by Global Finance magazine, and it was recognized as East Africa’s most respected financial services company in a 2007 survey by business consultancy PricewaterhouseCoopers.

The Mauritius Commercial Bank (MCB) is one of the top banks in Mauritius, with a strong presence in countries overseas including Madagascar, Maldives, Mozambique, Seychelles, Mayotte,  Réunion Island, South Africa and France. In The Banker July 2010, MCB is ranked 743rd among the Top 1000 Banks; 25th in sub-Saharan Africa; 134th globally in terms of soundness; 42nd for Return on assets; and 116th for Profit on average capital. The bank also received accolades for Annual Report 2009, awarded by PricewaterhouseCoopers: Overall winner, best SEM-7 company and best website at their Corporate Reporting Awards.

Zenith Bank Plc is one of the biggest banks in Nigeria, with a shareholder base of about one million, an indication of the strength of the Zenith brand. The bank has received many top awards such as the Best Bank in Export Finance (Vanguard Bankers’ Award 2008), Most Corporate Socially Responsible Bank in Africa (African Banker 2007), Most Corporate Socially Responsible Company in Nigeria (This Day Award of Excellence 2007), and so on.

National Microfinance Bank (NMB) is the biggest bank in Tanzania and has the largest network of branches. It offers a wide range of banking products to individuals all over Tanzania. It also serves the financial needs of all types of business customers.

Please visit the relevant guide for more information on the largest African banks. The author, Loke Yuen Wong, holds an MBA from Heriot-Watt University (UK) and a BCom degree from The University of Adelaide (Australia). Other qualifications include the Postgraduate Diploma in Bus. Administration, Diploma in Instructor Skills, Diploma in Inferential Statistics, Group Diploma in Accounting, Group Diploma in Management Accounting, Diploma in TEFL, ACCA CertIFR, Pre-Cert (ES) TESOL, Certificate in TEYL, Certificate in Managing Performance, Certificate in Book-keeping & Accounts and English for Commerce.

Banking

Civil War On The Outer Banks

The Outer Banks is known for many things gorgeous beaches, world-class surfing, outstanding fishing, Blackbeard the Pirate, the Wright Brothers first flight but the Civil War?

Yep, add the Civil War to the long list of OBX attractions.

Today marks the 150th anniversary of the start of the Civil War, so it seems like a fitting occasion to mention the storied history the OBX played in War Between States.

Are you aware that the beaches of the Outer Banks set the scene for the very first Union victory of the Civil War? How bout them apples?!

In August 1861, Federal troops captured Fort Hatteras & Clark along the Outer Banks sending a huge morale boost to the North. Up to that point in War, the South had been victorious in every engagement. In addition to the first Union victory, the OBX battle signified a few firsts in the war, including the first combined Army and Navy operation, the first amphibious assault and the first African American gun crew to fire on the Confederates.

There will be a lot of events in the upcoming months to commemorate the anniversary, and the OBX will have our share. The Graveyard of the Atlantic Museum plans to commemorate the Outer Banks involvement in the Civil War with their upcoming Flags Over Hatteras event.

The event will include exhibits and lectures that will highlight the importance of these battles and increase awareness the historical significance.

The commemoration at the museum will run from Aug. 22-28, and feature keynote speakers: authors James McPherson and Craig Symonds, and former National Park Service Chief Historian Ed Bearss. Additionally, the event offers:

* Blue-Gray Descendants Reunion Aug. 22-24 Hatteras Village Civic Center
* Flags over Hatteras Conference Aug. 25-27 Hatteras Village Civic Center
* Exhibits and living history demonstrations Aug. 27-28 Cape Hatteras Lighthouse

Space is limited for the conference and registration is required. Tickets are $ 175 per person, with 30 spaces being reserved for students at $ 75 per student. The fee includes: light refreshments, daily speakers, three evening events, three dinners and all exhibits. For more information or to register, go here.

For more Civil War stories, timelines and documents, visit the North Carolina Department of Cultural Resources website on Freedom, Sacrifice and Memory and the 150th commemoration.

Finance

State Council approved the scale of four banks to refinance 287 000 000 000 – bank financing, finance – Pump Industry

HC Valve Network: Closely-watched industry, construction, medium, size of the four lines refinancing, has finally been set.

Reporter has learned from authoritative sources, the State Department has agreed to the four major listed banks to refinance the total size of 287 billion yuan.

Reporter also noted that, while some bank financing options might change, but the banks will not change the size of refinancing.

2870 strict measure It is reported that the financing of large commercial banks and then high-level attention by the State Council. Earlier this year, the State Council held a special supplement in 2010 large commercial banks capital conferences. Since then, the CBRC held the big banks to refinance the forum, and then after the banks financing the scale of rigorous measurement.

State Council’s requirements, according to “A shares to raise that point the credit constraint, H shares a little more resolve, innovative tools to solve that old shareholders a little more” principle, the proper solution to larger problems of refinancing, and asked four banks to “put the number of loans and reduce the cash dividend rate, to maintain state-controlled status, the capital adequacy ratio of not less than the minimum standards, to consider the capacity of capital markets,” such as five prerequisites for specific data estimates.

In four banks to report the amount of refinancing, the State Council approved ICBC, China Construction Bank, Bank of China, Bank of refinancing amounted to 287 billion yuan.

The size of banks refinancing came out, respectively. Bank of Communications announced that it will in the two “A + H” allotment of shares for 42 billion yuan; Construction Bank announced the refinancing of the scale not more than 75 billion yuan; Bank of China and ICBC has not yet announced the refinancing of their size, but according to total 287 billion yuan scale projection, Bank of China and ICBC total size of the refinancing for the 170 billion yuan. According to the sources, the Bank re-financing scale of 100 billion yuan, the bank re-financing scale of 70 billion yuan.

As ICBC and Bank of China, the current program is “A + H shares of stock convertible bond placement” approach, in which Bank of China issued 40 billion yuan of convertible bonds, convertible bonds the bank issued 25 billion yuan, according projections If the Bank of China and ICBC refinancing program change, two lines from the Hong Kong market was 105 billion yuan refinancing size. Limit the scale of change

Refinancing Program before the end, some banks may refinance program has changed, but they are in the scale of the State Council approved the refinancing period.

To CCB patients, CCB refinancing programs through a number of sets of contrast and argument, the first selected program is non-public issuance of A shares finance 45 billion yuan, H share placement financing of 30 billion yuan lightning, but the election set is “A + H” two places at the same time allotment, according to every 10 existing shares allotted not more than 0.7 unit. A, H shares, respectively be placement of shares not more than 630 million shares, 157 million shares and A shares and H shares for shares of the same proportion, the maximum financing amount not more than 75 billion yuan.

CCB refinancing program changes, its size is always limited to the refinancing of 75 billion yuan. Therefore, even if the program ICBC and Bank of China has changed, the total size of the financing will not change.

Learned in the discussion of the various lines of re-financing options, maintenance of the status of state-owned controlling shareholders has been followed. Outside financing, the allotment is the only required in the financing of state-owned Shares, so the banks are for the maintenance of the status of state-owned shareholders to consider, in the possibility to reconsider the allotment of shares.

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