Bankvirksomhed

Hvad gør en mand til den, han er? Og hvad gør en drøm til meget mere end noget, der er glemt i morgen? Få svarene i denne anderledes og stærkt fascinerende biografi om Saxo Bank og de to mænd bag det, der både er klassens højtråbende knægt - og en dansk erhvervssucces af de sjældne.   Kim Fournais og Lars Seier Christensen har på få år skabt en verdensomspændende investeringsbank og en formue i milliardklassen. De har trukket overskrifter med deres politiske budskaber, åbenlyse forretningstalent og sponsorat af Danmarks bedste cykelhold - og de er blevet beskyldt for at være sidegadevekselerere, asociale kapitalister og urimelige arbejdsgivere.   TYREN, BJØRNEN OG BANKEN er en medrivende biografi om to mænd, der trives bedst i modvind. Det er en inspirerende opskrift på et parløb mellem modsætninger. Og det er en uafrystelig fortælling om en barndom, der ikke var for børn og gjorde to mænd voksne før tid.   Forfatter Hanne Sindbæk er en af Danmarks bedste interviewere og mest stilskabende skribenter, og hun har haft fuld adgang til begge hovedpersoner og alle omkring dem.   Hanne Sindbæk (f. 1962) er uddannet journalist. Hun er kendt for at gå tæt på, meget tæt på. Siden 1998 har hun fokuseret på at beskrive dansk erhvervslivs top indefra, hvem de er, hvad de mener og hvordan de arbejder. Hun har især skrevet for Berlingske Nyhedsmagasin og Berlingske Tidende, men hendes artikler har også kunnet læses i Euroman, Jyllands-Posten og Community. TYREN, BJØRNEN OG BANKEN er Hanne Sindbæks første bog. Læs mere om Hanne Sindbæk og hendes arbejde på http://www.sindbaek.com/.   Citater fra bogen: "Der var kun én vej, og det var fremad, om så pressens kugler hvinede om ørerne på dem." "Lars og Kim kastede sig ind i politik med samme indstilling, som de havde til forretning - de var i det for at skabe resultater.""Og hvorfor skulle Saxo Bank ikke have de bedste af det bedste? De høvlede jo penge ind. Man var for længst holdt op med at sige 1 million og 1 milliard ...""Faktisk spillede de bevidst på deres image som hardcorekapitalister, for det var bedre, at man sagde, de var nogle dumme kapitalistsvin, end at der pludselig bredte sig en opfattelse af, at banken led under finanskrisen."

The New York Times bestseller by business journalist Christopher Leonard infiltrates one of America’s most mysterious institutions — the Federal Reserve — to show how its policies over the past ten years have accelerated income inequality and put our country’s economic stability at risk.

Er det et stort svindelnummer, eller er kryptovaluta fremtidens betalingsmiddel? Det kan være svært at finde hoved og hale i mediernes ofte overfladiske og sensationsprægede dækning af Bitcoin og andre digitale valutaer.Bitcoin – fremtidens penge? giver en enkel og grundig introduktion til de digitale valutaer, hvordan og hvorfor de opstod, og hvordan de fungerer og bruges. Med udgangspunkt i den nyeste udvikling på området stilles der skarpt på de nye valutaers forcer og potentiale, men også på de udfordringer og forhindringer, de vil møde.

Kritikken af den finansielle sektor, og specielt bankerne, har været stor. Men har du overvejet om: Bankerne gør som Robin Hood; tager fra de rige og giver til de fattige?Bankledelserne tænker for lidt på aktionærerne?De ofte kritiserede flytteomkostninger i realkreditten gavner de svage kunder?Bankerne tjener for lidt og ikke for meget?Bankerne ikke er præget af kortsigtet grådighed, men tværtimod tænker meget langsigtet?Udviklingsdanmark bliver behandlet for godt og ikke for dårligt?Hvis disse tanker er helt nye for dig, kan du med fordel læse denne bog, der giver nye indfaldsvinkler til debatten om den finansielle sektor.

Formålet med denne bog, er at give en introduktion til rembursen, så læseren hurtigt og let kan danne sig et overblik over, hvad en remburs er, dens grundprincipper og hvordan den virker. Hensigten er at give et nuanceret og brugbart billede af rembursen, uden at gå for meget i detaljer.

Seminar paper from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1.0, University of Applied Sciences Wernigerode, language: English, abstract: This paper is discussing positive and negative aspects of so-called high-frequency trading activities on global stock markets.Further, a recommendation on how to improve the current status quo will be provided.

"The author has drawn on his significant personal experience and diligently created a high-quality reference document which helps readers unravel the many mysteries of the Basel requirements, and how these may in turn impact their businesses. Whilst the Basel requirements can be very technical, this book has filled a gap in that it explains them in an easy-to-follow way which will appeal to readers of differing experience from new recruits up to board members". Peter Shaw, Non-Executive Director and Chair of the Risk Committee for Esure and Willis Ltd and, previously in similar roles at Aldermore Bank and Bank of Ireland UK"This book provides the reader with a comprehensive overview of how the regulatory framework evolved, what constitutes its current incarnation and how the framework is put into practice by banks and other financial institutions of all sizes and jurisdictions. The provision of clear practical examples helps the reader absorb the technicalities of the regulations and see how the framework is applied in real settings".Chris Sparks, Chief Risk Officer, Atom Bank"Basel III by its nature is a wide ranging and at times dry and complicated. This book is a valuable and versatile resource being an extensive study with an easy-to-understand narrative across the whole topic. In addition, it is a handy reference tool for when one needs to revisit or check any specific area. A must have for risk professionals across all levels".Paul Howard, Group Chief Risk Officer, Bank ABCDuring the financial crisis governments and central banks had to take coordinated action to prevent well-known banks, such as the Royal Bank of Scotland, from collapsing and to reinvigorate financial markets. As the dust settled it soon became obvious that there were serious flaws in the then prevailing regulatory framework, known as Basel II. Within a few years substantial changes to this framework, referred to as Basel III, were agreed in principle but it took more than ten years for its final details to be finalised.In this context, this book provides an overview of Basel requirements in a readily understandable and logical format. In doing so the book not only provides a description of the key elements of Basel requirements, now referred to as the Basel Framework, but an explanation of how they have evolved, and why, and the challenges that bank management have faced in implementing them. It also sets out the issues and challenges that management, from board level down, face on an ongoing basis as they seek to run a profitable banking operation whilst endeavouring to meet regulatory and other stakeholders' expectations.The book also addresses the questions as to whether the updated requirements have helped level the playing field for banks and have they strengthened banks and financial markets. In this regards it should be clear to readers that, despite implementation continuing to be a work in progress, the changes already embedded by banks has made them much more resilient as evidenced by their ability to absorb the impacts of Covid-19 without raising concerns over their ongoing viability.

Thesis (M.A.) from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 3.33, Ethiopian Civil Service University, course: Financial Management, language: English, abstract: The aim of this research is to explore the practice of Enterprise Risk Management in Ethiopian Private Banks. Currently, there are 16 private commercial banks working in the country, some of which are celebrating their 20 years' anniversaries. To represent all the 16 private banks, the researcher grouped them in two categories. Wegagen Bank, United Bank and Bank of Abyssinia has been selected from the earliest established commercial banks and Abay Bank, Buna international Bank and Berhan Bank were selected from the lately established banks in simple random sampling method with a total number of 51 employees working risk management area from the selected 6 commercial banks. The data were collected through questionnaire and face to face interview. The questionnaires were distributed to all risk management department staff of each selected commercial banks. The interviews were made with NBE¿s bank supervision department and directors as well as managers and directors of commercial banks. 51 questionnaires were distributed, properly filled and fully returned to the researcher. The finding of the research reveals that, the major challenge faced by commercial banks are weak ton at the top, absence of qualified staff, absence of advanced risk management technology and lower management attention and the recommendations were, Banks should have an enterprise risk management committee at management level, Banks should conduct workshops or panel discussion to identify enterprise level risks in each activity and Banks should have comprehensive risk register and database to run their business with smooth operations and absence of interruption.

Master's Thesis from the year 2009 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 9.8, University of Burdwan, language: English, abstract: The present study seeks to examine the trends in the financial performances of 15 banking companies, major players in the Indian money market, during the period 1996-97 to 2006-07. In this study 8 major public sector banks and 7 private sector banks in India have been selected. The performances of public sector banks have become more market driven with growing emphasis placed on profitability. Though there is a phenomenal development in both public and private sector banks in India after reforms yet the private sector is still lagging behind comparatively in this study.With the nationalization of the most of the major commercial banks in 1969, restrictions on entry and expansion of private and foreign banks were gradually increased. The Reserve Bank of India (RBI) also began enforcing uniform interest rates, spreads and service changes among nationalized banks. The success of our giant five year plan is dependent, among other things on the smooth and satisfactory performance of the role by banking industry of our country. Banks thus pay special attention in financing business of innovation for providing cheap and adequate credit. And this is done by different private and public sector banks in money market in our country.Since 1992-93, the structure of the Indian banking system has undergone significant changes in terms of scope, opportunities and operational buoyancy. The commercial banks have been facing and increasing degree of competition in the intermediation process from term lending institutions, non-banking intermediaries, chit funds and the capital market. Besides, new banking services like ATM and internet banking have been emerged due to the advancement of computers and information technology.

Research Paper (undergraduate) from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, The FOM University of Applied Sciences, Hamburg, course: Strategic Corporate Management, language: English, abstract: The goal of this thesis is to analyse the strategies of FinTechs. The paper should give an orientation on how FinTechs position themselves in the traditional banking sector. This is done with help of a case study. For this purpose, the decisive developments, and drivers of the FinTech industry will be described first after a narrowing of the term FinTech and its subcategories. In the case study, the environment of Bank N26 is first examined using a PESTEL analysis. Based on the insights gained, the strengths and weaknesses of the online bank are adapted using a SWOT3 analysis. Finally, the evaluation and recommendation include the formulation of Strategic Fields of Action for Bank N26. Since a more detailed discussion of implementation would go beyond the scope of this text, the work concentrates exclusively on the strategically relevant factors and makes only concrete recommendations for strategy orientation but not for implementation. In recent years, the FinTech industry has been able to collect considerable Investments. While the number of newly founded FinTech Start-Ups is decreasing, especially FinTech companies from the Banking Sector FinTech can collect large sums in the later funding rounds. In absolute terms, the USA dominates both operationally and in total investments. The UK also plays a major role in the European environment. Technology has been adopted by the banks at a very early stage in the electronic markets, but the impression arises that young FinTech Start-Ups often reach the end customer better and satisfy needs more efficiently. For established financial companies, the question is how they can respond to changing user behaviour and how they can interact with these new market participants. FinTech Start-Ups, contrary, face the challenge of differentiating themselves from existing business models.

Seminar paper from the year 2020 in the subject Business economics - Operations Research, grade: 2,0, University of applied sciences Frankfurt a. M., course: MBA, language: English, abstract: This essay is concerned with an evaluation of the mission and vision statements of the ING Bank. What does the "best bank" do and are mission and/or vision statements related to the strategy and success?"The World's Best Banks: ING And Citibank Lead The Way", is the title of an article published in the Forbes magazine in March 2019. The author cites ING`s Head of global retail banking, Ignacio Juliá Vilar, with the following: ¿The mission of ING is for our customers to stay a step ahead in life and business,¿ Since she read this article the author knew that she wanted to find out more about ING¿s mission and how it is related to the success of the bank.Therefore, this assignment will start with the general introduction and the definition of mission and visions statement. To make this topic more explicit we will investigate the mission and the vision statements of ING Bank more closely. The interpretation in 3.2 Evaluation of ING¿s mission and vision statements of the mission and vision statement are done freely without any insight information, only public available sources were used here. It follows that interpretation can differ from ING¿s actual interpretation. Next to that a summary of the current banking environment will be given to complete the challenges and opportunities for the bank. To bring mission and vision statement together with strategy the Balances Scorecard developed by Robert S. Kaplan and David P. Norton will be introduced. It will be used as a tool to translate mission and vision into goals and actions. Next to that the Balances Scorecard extends the financial perspective with the customer, the internal business processes and the learning and growth perspective to measure and manage the tangible and intangible assets of the bank.

Research Paper (undergraduate) from the year 2019 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main objective of this study is to explore Ethiopian public enterprises in light of competition neutrality framework with particular emphasis to the banking sector.Establishing SOEs is one of the modes of government intervention in the economy. Such direct role of the government in the economy will have both positive and adverse effects in the commercial environment. It has positive contributions since public enterprises tried to achieve different social objectives as their primary roles. In contrast, as a result of being owned by the government, they are preferential treated in different manners that impede business activity of private undertaking in the same market. Such preferential advantages are not based on better performance, superior efficiency, better technology or superior management skills but are merely government-created. To overcome such adverse effects the OECD come up with a competition neutrality framework that connotes a similar set of rules to public enterprises and private undertaking. It further demonstrates major set of rules from different countries experiences. These are the similar rules in taxation regime, procurement rules, bankruptcy rules and proceeding, the general applicability of the competition law and its enforcement, and the prohibitions of subsidies including exclusive market advantages. Currently the Ethiopian government own public enterprises in different sectors of the economy that needs critical assessment from competition neutrality points of view. The Ethiopian banking sector in general and one of the state owned bank called CBE conducts are criticized as competition distorting. This triggers the study to explore the status of SOEs in light of the areas of competition neutrality framework particular emphasis to the banking sectors. The research was conducted based on qualitative research approach by analyzing laws, documents and data collected through interview. This research is particularly studied by exploring the legal and practical treatment of private and public banks from Ethiopian taxation regime, public procurement ,competition law and enforcement, bankruptcy laws and de facto/de jure exclusive markets. Moreover, it tried to pin point adverse effects of such anti competition neutrality rules on private banks.

Essay from the year 2019 in the subject Business economics - Economic Policy, grade: 90.00, , language: English, abstract: The Bank of England gained operational independence in 1997 (Taaffe, 2017). It functions as the central bank for the United Kingdom. The bank started operations in 1694 as a private institution with the power to raise money for the government through the issuance of bonds. It then accepted deposits like other commercial banks. BoE was first issued with the monopoly of issuing banknotes in England and Wales in 1844. It was then nationalized in 1946 after World War II. In 1997, the functions of monetary policy were relinquished by the government to BoE (King, 2017). Like any other central bank, it has wide range of responsibilities. Since its independence, the bank functions as the lender of the last resort, the United Kingdom¿s bank, issue currencies, and formulate monetary policy. It also makes policies during periods of economic downturns and increased uncertainty.

Academic Paper from the year 2013 in the subject Communications - Media Economics, Media Management, grade: B (60), , language: English, abstract: Over the years, the advent of Information Communication Technologies has brought remarkable changes to the way people live their live and do businesses today. Most sectors of our economy both nationally and globally are fast adopting the use of Information and Communication Technologies to advance the course of their duties; to enhance quality customers¿ service delivery and internal operations. This has brought about remarkable development in these sectors of our economy. Most specifically to the context of this work, the banking industry in Nigeria has undergone remarkable development strides in the bid to improve on the quality of service rendered to its customers and to enhance the profitability of its internal operation.

Seminar paper from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, University of Applied Sciences - Hachenburg Castle, language: English, abstract: The aim of this paper is to present the different proposals of the Basel Committee on Banking Supervision (BCBS) on the internal ratings-based (IRB) approach for credit risk and to find out about the effects that such measures may have on the financial sector as well as assessing if the measures are sufficient to reach the aspirations of the BCBS.The remainder of this paper is organized as follows. The next section briefly describes the IRB approach under the Basel II accord and its current design. Section 3 discusses the reasons for the excessive variability in the regulatory capital requirements for credit risk. The focus of this paper is placed on section 4. It presents the different proposals concerning the IRB approach of the BCBS consolation document. Section 5 investigates the effects of the proposed measures of the BCBS. The final section summarizes the main conclusions.