RESEARCH REPORT

Commercial banking top trends for 2024

5-MINUTE READ

February 15, 2024

  • Commercial banks are searching for a balance between the challenges they face today and setting themselves up for strong growth in the future.
  • There is a growing focus on compliance and risk management in response to increasing pressure from regulators.
  • As banks prioritize stability and efficiency, they are also investing in gen AI to boost innovation and growth and expand their data capabilities.

Bridging today's challenges and tomorrow's possibilities

Last year, interest rates were headline news. The economy is now shifting gears as customers seek stability and banks adjust to increased compliance and capital allocation challenges. The financial world is walking on tiptoe, trying not to disturb the “soft landing” everyone is hoping for as inflation settles down.

However, this cautious approach may hold commercial banks back from investing in technological advances with the potential to boost productivity, simplify compliance, automate risk management and transform the customer experience.

Commercial banks may struggle to find the balance between addressing the present challenges conservatively and embracing reinvention and innovation—made possible by gen AI and advanced data tools. That balance will be the key to a smooth ride through the uncertain waters of 2024 and will propel banks toward future growth.

As we share the trends that we expect to dominate the industry for the next year, the focus is split between these two priorities. Each bank will need to calculate where its balance point lies.

6 commercial banking trends

1. from tactical cost takeout to strategic cost transformation.

As high interest rates start to recede, banks will be looking for ways to control costs and maintain a healthy bottom line. Strategic cost management will be a long-term priority, rather than a collection of short-term cost-cutting measures.

2. New regulation shifts capital allocation into the spotlight

From capital requirements to credit lifecycles and ESG commitments, banks will have more regulatory challenges to meet. Intelligent automation and improved risk-assessment tools will help banks adjust to the increasing compliance workload.

3. Doubling down on deposits

Higher interest rates stoked competition for deposits in 2023. But to retain clients, banks will need to offer more than just a solid return. Leaders will focus on advanced treasury capabilities powered by a strong digital core.

4. A commercial payments wakeup call

Commercial clients are seeking value-added payments services. It is time for banks to step up with better fraud management tools, tax and accounting software integrations, real-time data dashboards, automated credit checking and more.

5. The next generation of automated, data-powered lending

Amid higher interest rates, demand for loans declined and credit standards tightened. To reduce risk and improve the targeting of loans to each client, commercial banks will look to increase automation and use more advanced data tools, including AI.

6. Generative AI in commercial banking

Generative AI is likely to touch almost every aspect of banking. Commercial banking leaders are using it to enhance risk management and compliance, automate and augment underwriting processes and support relationship managers.

The opportunities that lie hidden in banks’ data will rise to the surface as they invest in systems that allow them to add high-value services to their client offers, customize these offers, automate tasks to improve efficiency, use gen AI to unlock data insights and stay ready to take on new challenges.

Although banks have been increasing their IT spend, most of that budget has been allocated to compliance and maintenance activities. In 2024, we expect to see a shift to projects with transformative potential, separating the leaders from the pack.

Many of the trends that will shape 2024 started years ago, but this is the year that the disparate threads will come together in a single tapestry.

Jared Rorrer / Global Commercial Banking Lead

Frequently asked questions

What risks are commercial banks focusing on in 2024.

Although risks vary by region, globally, banks will be focusing on meeting new compliance requirements, staying on top of ESG commitments and optimizing capital. Geopolitical risks, such as disruptions to the supply chain, will also be top of mind.

What technologies do commercial banks need to be future-ready?

Commercial banks should establish a strong digital core and invest in advanced analytics and automation tools for treasury management, fraud prevention and compliance. They also need to stay at the forefront by incorporating AI into their workflow.

How will generative AI impact commercial banking?

Our analysis suggests generative AI could uplift a bank’s operating income by an average of 20%, and banks that leverage the technology effectively could get a 22% to 30% productivity uplift.

Related insights

  • Top 10 banking trends for 2024
  • Reinventing commercial payments

Jared Rorrer

Managing Director – Global Commercial Banking Lead

Chris Jaggard

Managing Director – Commercial Banking Lead, Accenture Australia & New Zealand

Maurits Olijve

Managing Director – Commercial Banking Lead, Europe, Middle East and Africa

Edvina Kapllani

Research Lead France & Benelux

Rishi Chawla

Managing Director – Strategy & Consulting, Banking

  • List of Commerce Articles
  • Functions Of Commercial Banks

Functions of Commercial Banks: Primary and Secondary Functions

What is commercial bank.

A commercial bank is a kind of financial institution that carries all the operations related to deposit and withdrawal of money for the general public, providing loans for investment, and other such activities. These banks are profit-making institutions and do business only to make a profit.

The two primary characteristics of a commercial bank are lending and borrowing. The bank receives the deposits and gives money to various projects to earn interest (profit). The rate of interest that a bank offers to the depositors is known as the borrowing rate, while the rate at which a bank lends money is known as the lending rate.

Related link:  Banking and its Type

Function of Commercial Bank:

The functions of commercial banks are classified into two main divisions.

(a) Primary functions 

  Accepts deposit : The bank takes deposits in the form of saving, current, and fixed deposits. The surplus balances collected from the firm and individuals are lent to the temporary requirements of the commercial transactions.

Provides loan and advances : Another critical function of this bank is to offer loans and advances to the entrepreneurs and business people , and collect interest. For every bank, it is the primary source of making profits. In this process, a bank retains a small number of deposits as a reserve and offers (lends) the remaining amount to the borrowers in demand loans, overdraft, cash credit, short-run loans, and more such banks.

Credit cash: When a customer is provided with credit or loan, they are not provided with liquid cash. First, a bank account is opened for the customer and then the money is transferred to the account. This process allows the bank to create money.

(b) Secondary functions 

  Discounting bills of exchange: It is a written agreement acknowledging the amount of money to be paid against the goods purchased at a given point of time in the future. The amount can also be cleared before the quoted time through a discounting method of a commercial bank.

Overdraft facility: It is an advance given to a customer by keeping the current account to overdraw up to the given limit.

  Purchasing and selling of the securities: The bank offers you with the facility of selling and buying the securities.

Locker facilities: A bank provides locker facilities to the customers to keep their valuables or documents safely. The banks charge a minimum of an annual fee for this service.

Paying and gathering the credit : It uses different instruments like a promissory note, cheques, and bill of exchange.

Types of Commercial Banks:

There are three different types of commercial banks.

  Private bank –: It is a type of commercial banks where private individuals and businesses own a majority of the share capital. All private banks are recorded as companies with limited liability. Such as  Housing Development Finance Corporation (HDFC) Bank, Industrial Credit and Investment Corporation of India (ICICI) Bank, Yes Bank, and more such banks.

  Public bank –: It is a type of bank that is nationalised, and the government holds a significant stake.  For example, Bank of Baroda, State Bank of India (SBI), Dena Bank, Corporation Bank, and Punjab National Bank.

Foreign bank –: These banks are established in foreign countries and have branches in other countries. For instance, American Express Bank, Hong Kong and Shanghai Banking Corporation (HSBC), Standard & Chartered Bank, Citibank, and more such banks.

You might also want to know:  What are the 4Ps of Marketing ?

Examples of Commercial Banks

Few examples of commercial banks in India are as follows:

    1.  State Bank of India (SBI)

    2.  Housing Development Finance Corporation (HDFC) Bank

    3.  Industrial Credit and Investment Corporation of India (ICICI) Bank

    4.  Dena Bank

    5.  Corporation Bank

This was all about the ‘Functions of Commercial Banks’ that is elucidated in detail for commerce students. To know about more such concepts, stay tuned to BYJU’S.

Frequently Asked Questions on Function of Commercial Banks

What is the most important function of a bank.

The most important function of a bank is to collect deposits from the public and lend those deposits for the development of business, agriculture, trade and commerce.

What is the first commercial bank of India?

Bank of Calcutta is the oldest commercial bank in India. It was established in the year 1806. It was later renamed the Bank of Bengal. Currently it is known as State Bank of India.

What is the main purpose of commercial banks?

The main purpose of commercial banks is to provide financial services to the general public and also provide loan facilities to the business which helps in ensuring economic stability and growth of the economy. Therefore, we can say that credit creation is the most important purpose of commercial banks.

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  • Principles of Commercial Bank

By now, you have a good idea about the various functions of a commercial bank. In modern economics, these banks perform a wide range of functions and hence need some principles to guide them. Today, we will talk about the different principles of commercial banking which help these banks perform optimally.

Suggested Videos

Principles of commercial banking, principles of liquidity.

A commercial bank offers two types of deposits

  • Demand deposits which the bank has to repay on demand like a Savings Account and
  • Time deposits which the bank has to repay after the expiry of a certain period

Further, on a daily basis, customers withdraw as well as deposit cash. therefore, all commercial banks have to keep a certain amount of cash in their custody to meet the cash demands of customers.

principles of commercial banking

Principles of Profitability

Any commercial enterprise primarily tries to generate profit . A commercial bank is a commercial enterprise as well. Hence, it tries to generate profits.

Browse more Topics under Banking

  • History of Banking in India & World
  • Structure of Banking in India
  • Nationalisation of Banks
  • Functions of Commercial Banks
  • State Bank of India and its Associate Banks
  • Functions of State Bank of India
  • Important Banks in India
  • Negotiable Instruments
  • Types of Banking
  • Banking Practice Questions

Principles of Solvency

Commercial banks must be financially sound. Further, they need to maintain a certain required capital for running the business .

Learn more about Types of Banking here in detail.

Principles of Safety

A commercial bank accepts deposits from its customers and then invests it. However, since it is investing the investor’s money it keeps the safety of the money first.

Principles of Collection of Savings

This is one of the most important principles in the current banking scenario. Commercial banks seek huge amounts of idle money from their clients. In fact, bank employees are given targets to collect more savings from people.

Principles of Loans and Investment Policy

A commercial bank primarily earns money through its lending and investing activities. It also ensures that the investor’s money is invested in viable projects. Therefore, banks need strong loans and investment policies to earn a good profit.

Principles of Economy

Commercial banks always try to avoid any unnecessary expenditure. Therefore, they try to manage their functions within a set budget and increase their profits.

Principles of providing services

Commercial banks are usually service-focused banks. After all, good service ensures a better reputation and therefore, profits.

Principles of Secrecy

Commercial banks ensure that they keep the accounts of their clients secret. Also, access to the accounts is given only to legitimized persons.

Principles of Modernization

We live in an era of technology as well as modernization. Therefore, to cope with the advancements in the world, commercial banks adopt modern technical services like online banking, mobile banking, etc.

Principles of Specialization

Apart from modernization, we also live in the age of specialization as well as super-specialization. Therefore, commercial banks segment their entire functions into smaller units and place their employees according to their efficiencies.

Principles of Location

Usually, commercial banks choose a location where they think they can find many customers.

Principles of Relation

All commercial banks try to maintain good relations with their existing clients as well as potential customers.

Principles of Publicity

Any successful business needs good publicity. Therefore, most successful businesses advertise to get the attention of more customers. Hence, commercial banks follow the principles of publicity.

Solved Question

Q1. List the principles of commercial banking.

Answer: The principles of commercial banking are the principles of:

  • Profitability
  • Collection of Savings
  • Loans and Investment Policy
  • Providing services
  • Modernization
  • Specialization

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  • The Managerial Functions in a Commercial Bank

The Managerial Functions in a Commercial Bank - Assignment Example

The Managerial Functions in a Commercial Bank

  • Subject: Finance & Accounting
  • Type: Assignment
  • Level: Ph.D.
  • Pages: 23 (5750 words)
  • Downloads: 2
  • Author: coralie97

Extract of sample "The Managerial Functions in a Commercial Bank"

This ensures that issues of money laundering do not occur in the bank.The capital adequacy management refers to the bank’s managerial function that ensures that a bank has sufficient capital to carry out all its operations. It involves a number of activities and process. First, the bank through its manager must decide the amount of capital the bank must keep. This is done by identifying the needs of the bank and the central bank regulation policy on bank reserves. Second, once bank capital needs are identified, adequate policies are formulated to ensure that the capital adequacy level is not exceeded.

Third, the bank through it managers mobilize the necessary capital and manage it to conform to policies that ensure that it is sufficient and quality bank assets at any given time.The asset-risk management refers to protecting banks assets from all risks associated with the asset and ensuring that they are performing appropriately. Asset-risk management involves keeping complete records of all the assets. The information that needs to be included in the asset register includes asset type, date and purchase price at acquisition, warranty information, spare parts, repair facilities and dates as well as service contracts (Collier 146).

Banks management must ensure that all preventive maintenance is carried out and all planned inspection must be carried to ensure that the asset is functioning appropriately. In addition, all assets must conform to the industry regulatory standards. The above functions would ensure that banks assets are reliable and performing as required.Risk structure of interest rates is comprised of all risks associated with changes in interest rates as well as defaults that may occur when a client take a loan and fail to honour his or her financial obligations.

Bonds duration is usually used to measure the interest rate risk. On the other hand, Term structure of interest rates is defined as a way in which interest rates on bonds with varying maturity terms are related. It has been estimated that interest rates on bonds of varying term maturities move together with time.  

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Commercial Real Estate and Regional Banks: Should You Worry?

A look at which banks that Morningstar covers might be at risk.

commercial bank assignment

Susan Dziubinski : Let’s talk about Morningstar’s updated take on regional banks in light of what’s been going on with New York Community Bank, which is ticker NYCB . Now, the stock has plummeted. Update viewers on what the story is here.

David Sekera : At the end of January, New York Community Bank reported a very large net loss for the fourth quarter. And the loss was driven by a couple of things. First and foremost in everyone’s mind was an increase in provisions for loan losses, specifically for their office and their multifamily exposure. And as you would expect for a company called New York Community Bank, a lot of that exposure is concentrated in New York, but they also had to increase their capital levels in order to satisfy some higher regulatory levels.

And we also saw a decline in their core profitability as such between all of these. The bank did cut its dividend all the way down to $0.05 a share in order to help it be able to build up some capital over time. In addition to the stock having just crashed since that earnings report, I also looked to see that the company’s bonds—so they have some November 2028 bonds outstanding—those have also fallen from trading in the mid-90s down to $0.77 on the dollar. Back of the envelope, that equates to about a 15.3% yield. So, those bonds are also now trading well into distressed-debt territory. Now, for people that aren’t familiar with how bonds trade, to put this in context: These bonds are no longer trading on what I considered to be a yield basis but really trading on a dollar basis.

Traders, when they’re thinking about how they trade these bonds, they’re thinking about it on a probability-weighted average between whether or not the bank survives, and these bonds do get repaid at full at maturity, or if the bank fails, and the bonds then trade to whatever the assumed recovery value is for this bank in bankruptcy.

Dziubinski : Morningstar’s equity analysts don’t officially cover NYCB, but can you give viewers some idea of what the possible outcomes could be for the bank?

Sekera : There are only three potential outcomes that I see here. First, maybe New York Community Bank is just able to limp along long enough to be able to earn enough income to cover its losses and rebuild the capital to where it needs to be. If it doesn’t lose a lot of deposits and it’s able to earn enough to cover up and build that capital to cover those commercial real estate losses, it could survive as an ongoing entity in its current shape.

Second, I do think there’s a good possibility we could see a large capital infusion here. We could see a large investor come in, make a big capital infusion through some sort of equity preferred or subordinated debt investment. The intent here really would be to instill enough confidence in depositors and investors to keep this bank going.

But depending on how that’s structured, it could be very dilutive to existing equityholders. And third, it could fail. So if we do see significant deposit flight here in the short term, and it just loses the ability to fund itself, the FDIC could come in here and close it down and take control.

Dziubinski : Of the regional banks that Morningstar covers, which have the most exposure to commercial real estate? And do we think these banks are at risk?

Sekera : Well, as you mentioned, we don’t cover New York Community Bank, but our analyst team really did take a deep dive and looked into what was going on here to see if there are implications for the other regional banks under our coverage. And our view here is that we do think New York Community Bank was just really in that uniquely risky position.

It did have materially higher commercial real estate exposure than any other bank as compared to our coverage. And it also had a more severe deterioration in its core profitability than what we’ve seen versus the banks under our coverage. So, while many of the banks under our coverage have seen some pressure on profits, it’s just a lot more pressure than what we’re seeing at New York Community Bank than the rest of our coverage.

When I take a look at our coverage here of the banks that we cover, two that I would highlight are going to be Zions ZION and M&T Bank MTB . They have the highest amount of commercial real estate exposure as compared to the amount of capital that they have. They also have very high amounts of office space exposure.

Yet we’re not as concerned as we are with the commercial real estate exposure as what we see at New York Community Bank. When I look at the numbers here, their exposure is really about half as compared to their capital on a relative basis. And then when I look at the office loans, it’s a lot less as compared to their capital than what we saw at New York Community Bank.

Dziubinski : To summarize, then, Morningstar thinks that this is largely a New York Community Bank issue and not something that we expect to spread to other regional banks we cover, even those that have maybe a little bit more exposure to commercial real estate. If that’s the case, Dave, is this a buying opportunity among regional banks today?

Sekera : We think so. Now, there certainly could be more volatility here in the short term just depending on how the situation at New York Community Bank plays out. But as you mentioned, a lot of the other regional banks did get pushed down over the course of the past two weeks as well. The one that actually has fallen the most, it’s down 10.8%, is Zions.

And that’s one where I might shy away from this one. It is a 4-star-rated stock, trades at a 28% discount to fair value, but doesn’t have an economic moat. This is the one that is still going to be the riskiest. It does have the highest amount of exposure to commercial real estate with the high amount of office exposure.

Of the banks that we do like that have fallen, the one I would highlight first is going to be U.S. Bank, ticker USB . That one did fall 6.5%. It’s a 4-star-rated stock and trades at a 23% discount. And this has really been kind of our go-to stock in the regional bank space. This is the only one that we do rate with a wide economic moat, and it’s one that we also rate with Medium Uncertainty.

And then two others that investors might want to take a look at are going to be Comerica, ticker CMA , and Truist Bank, ticker TFC . Those are both 4-star-rated stocks. Both are banks that we rate with a narrow economic moat.

Now, Comerica does have high commercial real estate exposure, but I would say it has a pretty low exposure to the office space. And then Truist does have moderate commercial real estate exposure as well but a low amount of office exposure. But that is one that does have a high amount of losses in its hold-to-maturity book. So, again, both of these do have maybe a little bit more risk to them. But we do think that at 4-star levels, you are buying those at a pretty good margin of safety from their intrinsic value.

This is an excerpt from the Feb. 12, 2024, episode of Monday Morning Markets with Morningstar’s Dave Sekera. Watch the full episode, “ 2 Stocks to Buy, 1 Stock to Watch, and 2 Stocks to Sell After Earnings . ” See a list of previous episodes here .

The author or authors do not own shares in any securities mentioned in this article. Find out about Morningstar’s editorial policies .

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An Overview of United Commercial Bank Ltd

 An Overview of United Commercial Bank Ltd. (UCBL):

Sponsored by some dynamic and reputed entrepreneurs and eminent industrialists of the country and also participated by the Government, UCB started its operation in mid 1983 and has since been able to establish one of the largest networks of 98 branches among the first generation banks in the private sector. With its firm commitment to the economic development of the country, the Bank has already made a distinct mark in the realm of Private Sector Banking through personalized service, innovative practices, dynamic approach and efficient Management. The Bank, aiming to play a leading role in the economic activities of the country, is firmly engaged in the development of trade, commerce and industry thorough a creative credit policy.

Products and Services of UCBL:

In United Commercial Bank Limited, the following products and services are available for its customers:

  • UCB Multi Millionaire
  • Consumer Credit Scheme
  • UCB DPS Plus
  • Western Union Money Transfer
  • SMS Banking Service

Saving Insurance Scheme

  • Online Service
  • Credit Card
  • One Stop Service
  • Time Deposit Scheme
  • Monthly Savings Scheme
  • Special Deposit Scheme
  • Inward & Outward Remittances
  • Travelers Cheques
  • Import Finance
  • Export Finance
  • Working Capital Finance
  • Loan Syndication
  • Underwriting and Bridge Financing
  • Trade Finance
  • Industrial Finance
  • Foreign Currency Deposit A/C
  • Locker Service

 Consumer Credit Scheme

“ Buying home appliances? Get them through our Consumer Credit Scheme.”

United Commercial Bank Limiter’s CCS gives a great opportunity to its customers to buy house and office items on easy installments. This scheme gives an advantage of part payment to cope with high price tags of many necessary home and office appliances. A consumer is the ultimate user of a good. Thus “Consumer credit” is the credit, which directly comes into the use of consumer.

Objectives of Consumer Credit Scheme:

The Objectives of CCS of United Commercial Bank Limited is as follows:

  • To bring the credit facility to wide range of customers.
  • To provide financial assistance to the limited income group people toward buying utility products.
  • To help the professionals to raise their living standard.
  • To participate in the socio-economic development of the country.

Goods and services under the scheme:

Under the “ Consumer Credit Scheme ” UCBL grants pecuniary help for the following goods and services.

  • Private car and station wagon new and reconditioned.
  • Refrigerator and deep fridge.
  • Air cooler, Air condition, Room-heater, Water Purifier.
  • Sewing machine.
  • Other goods that are not mentioned above but are considered essential

 Special Deposit Scheme

“Add to your monthly income, add to your solvency.”

For most of the people on fixed income, this opportunity to supplement their monthly earning is a golden one. And UCBL ’s Special Deposit Scheme gives a customer just that.

Under this scheme, customers can deposit money for a term of 5 years. The deposited money is fully refundable at the expiry of the term. At the same time, during the term period they can enjoy a monthly profit corresponding to their deposited amount. As for instance, under this scheme a deposit of Tk.55,000/- gives a monthly income of Tk.500/-.

  Table-2: Deposited amounts and monthly benefits of SDS

 Monthly Savings Scheme

“See your small savings grow with UCBL.”

This scheme is specially designed for the people of the limited income. This scheme helps to accrue small monthly savings into a significant sum at the end of the term. So, after the expiry of the term period the depositor will have a sizeable amount to withdraw.

United Commercial Bank Limited has got quick response in this project. A depositor can deposit 500-10000 Taka monthly for 3-8 years.

Table-3: Monthly installments and returns of MSS

“Safe, Instant and Universal Money”.

Through its Credit Card, United Commercial Bank Limited has not only initiated a new scheme but also brought a new life style concept in Bangladesh. Now the dangers and the worries of carrying cash money are memories of the past.

Credit Card comes in both local and international forms, giving the clients the power of buying all over the World. Now customers enjoy the conveniences and advantages of Credit Card as they step into the new millennium.

“Worried about the future? UCBL has just the scheme for you ”

This is an uncertain World and the threatening silhouettes of future catastrophes are always looming around. This scheme of UCBL gives its customer’s family the protection against the insecurities of the world. This scheme is the first of its kind in Bangladesh. It combines the benefits of regular savings and insurance scheme, so, customers get the usual rate of interest on the deposited amount while they enjoy the protection of a comprehensive insurance coverage. Under this scheme, the beneficiaries will get equal the deposit in case of natural death of the account holder whereas in the event of accidental death of the account holder the beneficiaries will receive twice of the deposit. As for example, if a customer picks up Easy Class (Tk.50,000/-) he/she will get Tk.50,000/- for natural death and Tk.1,00,000/- for accidental death apart from his/her deposited amount and interest.

Table-4: Deposited amounts and its normal and accidental benefits of SIS

 Western Union Money Transfer

”Money transfer from anywhere in the World to Bangladesh in minutes.”

Joining with the world’s largest money transfer service “Western Union”, UCBL has introduced Bangladesh to the faster track of money remittance. Now money transfer between Bangladesh and any other part of the globe is safer and faster than ever before.

This simple transfer system, being on line eliminates the complex process and makes it easy and convenient for both the sender and the receiver. Through UCBL – Western Union Money Transfer Service, customers’ money will reach its destination within a few minutes.

 UCBL ATM Service

United Commercial Bank Limited has introduced ATM service to its Customers. The card will enable to save its valuable customers from any kind of predicament in emergency situation and time consuming formalities. UCBL ATM Card will give its distinguished clients the opportunity to withdraw cash at any time, even in holidays, 24 hours a day, and 7 days a week.

Consumer Services Expansion Program of UCBL:

Present age is the age of competition. A good number of new private commercial banks came to banking sector in Bangladesh during the last decade. Foreign banks (Standard chartered, American Express, HSBC, Citibank N.A, etc) also conduct banking business in Bangladesh very successfully. These new generation banks introduced many attractable products for customers. United Commercial Bank Limited is also introduced many products to attract customers.

The products introduced during the last five years are as follows:

  • E-Cash/ATM card.
  • SWIFT Services.
  • Power Card.

E- Cash/ ATM CARD:

ATM service is the dynamic process of electronic technology in modern banking. United Commercial Bank Limited has elevated services to the highest standard by bringing Electronic Banking (E-Banking) and ATM services at the doorstep of clients. Today the entire banking system has been undergoing are evolution change in providing improved services to the clients. ATM has made the lifestyle of its clients much easier and comfortable. The note able characteristics of ATM are:

  • Payment facility for 24 hours a day
  • Arrangement for payment of bills
  • Instant inquiry
  • Multiple location facility Dhaka, Chittagong, and Sylhet.

SWIFT Services:

UCBL is one of the first few Bangladesh Banks to obtain membership of SWIFT. SWIFT is a members’ owned cooperative which a first and accurate communication network for financial transaction such as Letter of credit, Fund Transfer etc. By being a member of SWIFT, the bank has opened up possibilities for uninterrupted connectivity with over 5700 user institutions in 150 countries all over the world.

 Power Card:

In Bangladesh, UCBL has first introduced the power card. The use of power card is very easy and the cost of transactions is very low. So anybody can use it like cash to do their daily transaction.

 Market and Target Customers:

Due to the predecessor company’s involvement in financing sector of the country, the bank inherited its top corporate customers. Moreover the bank is involved in import trade financing.  Bulk importers of consumer durable foods, gains, industrial raw materials are its customers.  The bank has financed in textile and apparels sectors. The bank has a trade of choosing customers from diversified groups. The bank has first class customers in the construction sectors involved in high-rise building, heavy construction and roads and high way construction.

 An Overview of UCBL:

UCBL started its journey since 1987 as the 33rd branch of UCBL. The bank is now in the top position among the competitor private banks in the arena. As a branch of commercial bank it provides all general banking services including a wide range of savings and investment scheme products, foreign exchange and ancillary services with the support of modern technology and professional management. The branch is always achieving better and better in respect of increasing number of deposits, loan sanctioned, number of accounts etc. Almost everyday huge number of customers is gathering in this branch for doing banking satisfactorily. It is an authorized dealer of foreign exchange. The branch is headed by an SVP (Senior Vice President).The branch is located at the centre of as it is renowned place for garment industry and doing foreign exchange activities. So as a private bank, UCBL is running steadily and within a very near future, it would take a vital responsibility for the national economy.

Management & Human Resource

A well-educated, skilled and enterprising workforce with wide experience in the banking is a precondition for the continued growth and progress of any bank. UCBL’ s aim is to recruit and retain a competent workforce. In the expectation of continued growth, the bank in 1987 established United Commercial Bank recruits experienced bankers as well as fresh graduates and trains them through the Training institute. As on 31 st December 2007, its human resources strength was 2408. These numbers include 238 executives, 1446 officers and 562 staffs.

Management hierarchy of UCBL

 Principles and Values:

United Commercial Bank Limited is committed to five core business principles:

  • Outstanding customer service.
  • Effective and efficient operations.
  • Strong capital and liquidity.
  • Prudent lending policy.
  • Strict expense discipline.
  • The business principles are supported by loyal and committed employees who make lasting customer relationships and international teamwork easier to achieve.
  • United Commercial Bank Limited also operates according to certain key business values.
  • The highest personal standards of integrity at all levels.
  • Commitment to truth and fair dealing.
  • Hands-on management at all levels.
  • Commitment to quality and competence.
  •  A minimum of bureaucracy.
  • Fast decisions and implementation..

The main vision of the United Commercial Bank Limited is to develop the economy of Bangladesh by profitable investment of public money and build up their confidence to the private institution. To ensuring highest standard of clientele services through best operation of latest information, technology, making due contribution to the national economy and establishing ourselves firmly at home and abroad as a front ranking bank of the country is our cherished vision.

The missions of the United Commercial Bank Limited are as follows: The aim of UCBL is to become one of the leading Banks in Bangladesh by its prudence, fair and quality of operation.

  • Its effort for expansion of its activities in home and abroad by adding new dimension to its banking services is contributed unabated.
  • It is also putting highest priority in ensuring transparency, accountability, and improved clientele services as well as to its commitment to serve the society through which it wants to get closer and closer to the people.
  • Its goal is to act as a caring companion in uplifting the national economic standard through continuous gradation and diversification of its clientele services in line with national and international requirement.
  • It intends to meet the needs of its clients and enhance its profitability by creating corporate culture.
  • It believes in strong capitalization.
  • Its aim is to ensure its competitive advantages by upgrading banking technology and information system.
  • It maintains high standard of corporate and business Seth’s. It provides high quality financial services to strengthen the well being and success of individual, industries and business communities.

Objectives:

The objectives of United Commercial Bank Limited are mentioned below:

  • Offering quick and improved clientele services through application of modern information technology.
  • Playing an important role in the national progress by including improved banker-customer relationship.
  • Ensuring highest possible dividend to the respected shareholders by making best use of their equity.
  • Pushing the policy of nurturing balanced growth of the bank in all sectors.
  • Consolidating our position in the competitive market by introducing innovating banking products.
  • Ensuring highest professional excellence for our workforce through enhancement of their work efficiency, discipline and technological knowledge
  • Expanding the bank’s area of investment by taking part in syndicated large loan financing.
  • Increasing finances to small and medium enterprise sector including agriculture and agro based industries, thus making due contribution to the national economy.
  • Upholding the image of the bank at home and abroad by pushing dynamic and time befitting banking activities.
  • Ensuring maintenance of capital adequacy and highest profit through successful implementation of the Management Core Risk Program.

Business Ideology:

Alongside providing the best services to the clienteles, patronizing and taking part in social development activities as well as making due contribution to growth of the national economy.

Organizational Strategy:

As the financial services industry is a very competitive industry, the main strategy of UCBL is the organic growth – to build branches and strengthen their distribution network. They will continue to invest and expand in Bangladesh as fast as local regulations allow.

The principle strategies are –

People – Attract, retain and reward top performers.

Profitable Growth – Growing sales and increase the revenues.

Credit Quality – Maintaining credit quality and understand the role in managing losses.

Customer Centered – Always providing exceptional customer service.

Ownership – The performance and results should be owned.

Efficiency – Lowering the costs and wise use of resources.

3.9 Capital Structure:

 Table-1: The Capital Structure of UCBL

Source of information-Annual Report 2008

Functions of United Commercial Bank Limited :

Some general function of United Commercial Bank Limited are given below-

  • To maintain all types of deposit Accounts.
  • To make investment.
  • To conduct of reign exchange business.
  • To conduct other Banking services.
  • To conduct social welfare activities.
  • To work for continues business innovation and improvements.
  • To bui1d up strong-based capita1ization of the country.
  • To ensure the best uses of its creativity, well disciplined, well manages and perfect growth.

 Organizational Structure and Departments:

Organizational setup of the United Commercial Bank Limited is consisting of three organizational domains. Firstly the central top management, which contains Board of Directors, Managing Director, Additional Managing Director and Deputy Managing director. The major responsibilities of this group are to take central decision and transmit it to the second step. Secondly the executives level management, which contains Executive Vice Presidents, Senior Vice Presidents, Vice Presidents and Assistant Vice Presidents. The major responsibilities of this part are to supervise and control divisions/ departments. Thirdly the branches operate management, which contains branch manager and other mid/ lower level management. The major responsibilities of this part are to the 100 branches of this bank and report to the Head Office from time to time.

Management Structure of United Commercial Bank Limited:

In 2008 United Commercial Bank Limited made commendable progress in all business, like deposit, credit, fund management, investment, foreign remittance, credit card & foreign exchange related business. Bank has expended business activities as holding previously & parallels by diversification its investment to a new product, as a major financier remarkable portion of total exports of the country.

The management processes are as follows:

The strategic planning approach in UCBL is top-down. Top management formulates strategy at the corporate level, and then it is transmitted through the division to the individual objectives. Board of directors or executive committee usually takes the decision. In this process lower level managers are detached in making process, even brainstorming of lower level managers is absent in decision-making and planning process.

Organizing:

Organizing of the United Commercial Bank Limited is based on departmentalization. The organization is divided into twelve departments headed by Executive Vice President or Senior Vice President. In the United Commercial Bank Limited the whole operation is centralized and authority is delegated by written guidelines. These guidelines are:

  • Operational manual approved by Head Office, where each aspect or banking operation is elaborately defined.
  • Advance manual including advances limit for different management level.
  • Bad and doubtful recovery manual.
  • Foreign banking guidelines.
  • Central bank directives.
  • Different management position holders in departments and branches practice their authorized power in different cases with administrative loophole.

Entry-level recruitment process of the United Commercial Bank Limited is conducted in three ways.   One way is recruitment of probationary officers. Each probationary officer has one-year probation period. After completion of probation period the officer joins as officer grade III (b). The career path of probationary officer is headed toward different management positions. Second way of recruitment is to recruit non-probationary officer who joins as an assistant officer. The career path of an assistant officer is lengthier than probationary officer. The third way of recruitment is recruitment of staff and sub-staff such as typists, messengers, drivers, guards, attendants, cleaners and other lower level positions. Promotion policy of UCBL is basically based on seniority basis. Sometimes, employees are promoted to the higher position for their outstanding perfoffi1ance. However, it is found that the average length of a position held by an employee is around five years.

 Controlling:

The bank has strict control over its all-organizational activities. The Bangladesh Bank directives indicate some control measures. Audits and inspection are conducted by different parties to check whether the bank implement these control systems properly or not. The central bank conducts credit inspection by a team. The United Commercial Bank Limited has audit and inspection department to take controlling measures in internal operations. Audit and inspection team send to the branches now and then and is responsible for preparing report that will be submitted to the Chief Administration to take necessary actions.

 UCBL-at glance:

Narayanganj Branch is one of the most productive branches of UCBL. In last four years the branch achieved a remarkable result. In this couple of years the output from this branch in terms of productivity, profit & efficiency has improved tremendously.

The output from this branch is increasing day by day

That is why; the branch is concentrating on the continuous improvement so that it can serve better service to the clients. Moreover, the branch has got an efficient team of manpower. And the given table shows the scenario of deposit, advance and profit of last four years and which shows that as a branch it increases its efficiency in mobilization fund and generating sufficient profit by doing banking activities.

 UCBL Performance Indicator :

Performance evaluation is an important pre-requisite for sustained growth and development of any situation. It is customary in commercial banks to evaluate the predetermined goals and objectives, with the changes goals and objectives, the criteria of revaluation have undergone changes overtime.

Analyzing of UCBL Performance with Financial Ratios:

  • Ratio Analysis:

Ratio analysis is a powerful tool of financial analysis. A ratio is defined as the indicated quotient of two mathematical impressions and as the relationship between two or more things. In financial analysis, a ratio is used as bench mark for evaluating the financial position and performance of a firm. We are describing some ratios for the measurement of the performance of the bank.

  • Profit Ratio:

Return on Equity (ROE)

The rate of return on equity is a good condition last five years. ROE indicates the rate of return on equity capital. Generally bank stockholders prefer ROE to be high. Here, ROE is increased last four years, but last year’s ROE indicates lower than previous year. It is possible, however, that an increase in ROE indicates increased bank’s risk.

 From the table we can see that ROE of UCBL increasing except 2003. ROE of UCBL were 30.79%, 70.54%, 82.94%, 40.55%, and 24.03% in the year respectively. ROE has been increased as Net Income of the Bank has been increased over the years.

  • Return on Asset:

The rate of return on assets (ROA) measures the ability of management to utilize the real and financial resources of the bank to generate returns. ROA is most commonly used to evaluate bank management.

 From the table we can see that ROA of UCBL has been increased and decreased over the year from 2005 to 2009. Both ROA and TAX of UCBL over  the last five years.

  • Equity Multiplier:

Equity multiplier measures the Taka value of assets funded with each Taka of equity capital. The higher the equity multiplier ratio, the more leverage or debt the bank is using to funds its assets. Thus this ratio is a measure of degree of leverage the bank is using.

  • Net Profit Margin:

Net profit margin ratio establishes a relationship between net income and operating income that indicates management efficiency in providing services, administrating and selling the product. It reminds us that bank can increase their earnings and their returns to their stockholders by successfully controlling expenses and maximizing revenues.

  • Asset Utilization:

The asset utilization ratio represents the ability of management to employ asset effectively to generate revenue. The more income generated per Taka of assets, the more profitable is the bank.

  • Loan Ratio:

The loan ratio indicates the extent to which assets are devoted to loan as opposed to other assets.

  From the table we can see that Loans and Advances

Ratio of the bank has been increasing and decreasing. As bank generate its major portion of income from interest income. So, bank generates its major portion of income from interest income. So, bank has to disburse more Loans and Advances for maximizing their income. In the year 2009, the bank engaged 61.39% of its TAX in loans and advances.

  • Wages & Salaries Ratio:

This ratio indicates how much expenses required regarding Wages & Salaries to TAX of a bank. Lower the ratio indicates that the bank has been performing well.

 We can see that the UCBL has been performing badly, as the ratio of the bank has been increasing from the year 2005 to 2009.

  • Occupancy Ratio:

Occupancy Ratio indicates the occupancy expenses of the Bank to its total assets. The lower ratio indicates better performance of the bank.

 We can see that the UCBL has been lowering its occupancy ratio. So, the bank’s performance is better than the previous years comparing to the year 2009.

Other Expenses Ratio

  • Cash Ratio:

Cash ratio is measured by dividing cash by total assets of the bank.

  • Deposit to capital Ratio:

This ratio measures Taka of deposit of per Taka capital.

 Deposit to capital ratio of UCBL has been increasing over the years. It was 13.54times in the year 2005 and 16.97 times in the year 2009. That means the deposit of the bank has been increasing much more than its equity capital.

  • Deposit to Employee Ratio:

This ratio indicates how much Taka is deposited by each employee in the bank. Higher the ratio indicates the better the position of the banks.

The table reveals that each employee of UCBL mobilized deposit of TK. 10845130 in the year 2005 and it has been increased to TK. 12705775 in the year 2009. This indicates the better performance of the bank.

  • Invest to Deposit Ratio:

The ratio indicates that how much Taka is invested to total deposit.

The profitability of commercial branch banking can be measured by using the above mentioned credit risk ratio, Liquidity ratio, profitability ratio, operational ratio and productivity ratio. And by analyzing the two month scenario of year 2010, it is found that United Commercial Bank-gradually increase its profitability and increases its efficiency in running branch banking operation.

Recommendation:

After analyzing over all performance of UCBL, we have some recommendation to improve the foreign exchange services.

  • Businessmen are very much interested in import L/C. Export L/C is small in number. So UCBL should attract exporter. The personnel of UCBL can directly contract to the exporter. So first they have to find our exporter.
  • Local L/C is not introduced in our society very much. UCBL can make a work force to attract the local businessman and make them understand about the benefit of local L/C.
  • UCBL should open their branches in the business area like near EPZ, port etc. So that importer and exporter need not to find UCBL’s branches.
  • Number of AD branches need to be increased.
  • UCBL should be more conscious about the promotional activities. UCBL should use aggressive marketing campaign to attract clients.
  • UCBL can pursue a diversification strategy in expanding its current line of business. The management can consider options of starting retail banking.
  • UCBL should perform more and more welfare activities.
  • UCBL should redesign the service scheme to provide better interest rate. If they establish a faster network system within their branches then it can easily transfer data within a shorter period of time.
  • In foreign exchange department it is required to communicate with foreign banks frequently and quickly. To make the process easy and quick the whole bank should be computerized and use faster communication system.
  • Margin and commission on L/Cs varies from customer to customer. A customer is allowed to open a L/C ever with nil margins, I think that the bank should review the customer’s transaction behavior for a period of time and should develop a certain policy in this regard.
  • They can arrange training program for the employees who are not able to handle modern technology.
  • They should automate the transaction recording system instead of manual time wasting process.
  • Bank should offer new packages to attract new customer as well as existing customer.
  • It can open new branches in places where concentration of people who live abroad is more.
  • UCBL should increase the number of ATM booths.
  • It should increase its promotional activities to attract its customer.
  • Full-fledge online system should be implemented.

Conclusion:

UCBL is well positioned to meet the challenge and will take the opportunity of benefit from economic growth. The bank would serve as partner and advisor of the clients to trade, commerce and industry. This strategy is supported by wide spectrum of products and services.  

The mission of the bank is to be utmost trustworthy stakeholder, careful, committed for equitable and sustainable growth based on diversified deployment of fund/resources leading the bank to the peak of healthy and wholesome financial institution. If the bank is going to succeed internationally, it must know as much or more than its customers and competitors. A single misstep may not only cost its company business, it can lead to big delays and stiff fines. Unfortunately, most information about international trade is targeted at big companies with large logistics and legal staffs that know how to navigate the maze of import-export rules and regulations. Small and midsize companies lack the resources – and often the training – of larger corporations.

UCBL is maintaining a well-structured communication from top to bottom level. Each official should be valued and treated as a part of the bank and they must have the privilege to devote themselves for the betterment of service of the bank. UCBL places utmost importance on managing foreign exchange. The whole process includes management of export, import, remittance, Foreign Exchange Risk, and successful completion of trade.

The bank always tries to increase its foreign exchange performance. As the bank is located in commercial area it is a great opportunity for the bank to attract customers.  Though it has some problem with its foreign exchange department, it is always trying to accelerate its foreign trade.

The 24 years success story though helped the bank to attain a leading role but to remain unrivalled among new generation banks, the bank must face new challenges.

Overall, the bank must make a positive attempt to be more outward looking in their goals and aware of what is happening. They must also emphasize on the domestic scenario more closely and analyze any certain trends and strategies of their competitors. The bank must accept any failures and think of them as an objective to pursue future goals instead of blaming such failures on other factors.

Books & Articles:

  • Ali Syed Ashraf & Howlader R.A, “Banking Law and Practice”.
  • Ali  Syed Ashraf, “ Foreign Exchange and Financing of Foreign trade” (1995)
  • Bangladesh Bank, Guideline for Foreign Exchange Transaction, (vol-2)
  • Export Policy’2006-2009
  • Foreign Exchange Regulation Act -1947
  • Import Policy’2006-2009
  • UCBL, Annual Report- 2006
  • UCBL, Annual Report-2007
  • UCBL, Annual Report-  2008
  • UCBL, Monthly Statement, October 31, 2009
  • UCBL, Manual for Foreign Exchange Transaction of Foreign Exchange Department.
  • UCPDC-600, ICC Publication No.600LF.
  • Various Official Records of United Commercial Bank Limited
  • www.bangladesh-bank.org
  • www.epzbangladesh.org.bd.
  • www.foreignexchange.com

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Course FINC 450 is an analysis of commercial bank management. Its aim is to evaluate bank business strategies and examine how the changing commercial banking environment has affected profitability. The discussion also covers the loan function and the management of liquidity reserves, investments for income, and sources of funds. The functions, objectives, policies, structure, organization, services and regulations of banks are considered.

What is a Commercial Bank?

A commercial bank is a type of financial institution which provides services like making business loans, accepting deposits, and offering basic investment products. The term commercial bank also refers to a bank or a division of a large bank that precisely deals with deposits and loan services provided to corporations or large or middle-sized enterprises as opposed to individual members of the public or small enterprises. For example, Merchant banks or Retail banking.

In the present banking structure, Commercial banking is basically the parent of all types of banking available. In order to understand the role of commercial banking, you need to know about the major functions of commercial banking.

Acceptance of deposits

Accepting deposits from the public is the most important task of commercial banks. Banks keep record and maintain all the demand deposit accounts of their customers and transform the deposit money into cash, vice versa is also possible as per the requirements of the customers. The Demand deposits are technically accepted in current accounts and the depositor can withdraw deposited money anytime by means of checks.

Giving loans and advances

Another important function of commercial banks is to extend loans and advances out of the money through deposits of entrepreneurs and businessmen against permitted securities and safety like gold or silver bullion, government securities, easily saleable stocks and shares and marketable goods. Banks give advances to depositors or customers through overdrafts, discounting bills, money-at-call and short notice, loans, and advances, different forms of direct loans to traders and producers.

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The Department of the Treasury's Office of Foreign Assets Control (OFAC) is issuing Russia-related General License 79 , "Authorizing the Wind Down of Transactions Involving Certain Entities Blocked on December 12, 2023," and Russia-related General License 80 , "Authorizing Certain Transactions Related to Debt or Equity of, or Derivative Contracts Involving, Highland Gold Mining Limited."

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  1. 12 EC0 FUNCTIONS OF COMMERCIAL BANKS

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  6. Commercial Bank Management of Financial Institution

COMMENTS

  1. Commercial Bank

    A commercial bank is a financial intermediary that serves businesses by providing essential liquidity functions within an economy via various products and services. The institution accepts and manages deposits to earn fee income and as a low-cost source of funds. Funds can generate interest income via credit creation and offering credit facilities.

  2. Commercial Bank Definition, Functions & Examples

    The commercial bank definition describes a financial institution tasked with accepting customer deposits for safekeeping purposes, granting loans to individuals and businesses at an interest rate ...

  3. PDF UNIT-18 COMMERCIAL BANK Structure

    UNIT-18 COMMERCIAL BANK Structure 18.0 Objectives 18.1 Introduction 18.2 Meaning 18.3 Functions of Commercial Bank 18.4 Structure of Indian Commercial Banks 18.5 Sources of Funds 18.6 Investment Norms 18.7 Asset Structure of Commercial Banks 18.8 Let Us Sum Up 18.9 Key Words 18.10 Some Useful Books

  4. Commercial Bank

    According to a Federal Reserve Statistical Release report, JPMorgan Chase & Co is the largest commercial bank in the US. As of September 30, 2021, JPMorgan possesses consolidated assets worth $3,290,398 million. It is closely followed by Bank of Amer Corp and Wells Fargo & Co, with consolidated assets worth $2,400,819 million and $1,786,611 ...

  5. Commercial Banking Top Trends in 2024

    Commercial Banking Top Trends in 2022. 1. Ditching the traditional "help wanted" approach. Fintech-powered banking is the path to successful talent acquisition and retention. 2. RMs: New year, new resolution. Banks are getting a better return on their CRM tools by showing relationship managers (RMs) how they can add value.

  6. Functions of Commercial Banks: meaning, functions, types, example

    A commercial bank is a kind of financial institution that carries all the operations related to deposit and withdrawal of money for the general public, providing loans for investment, and other such activities. These banks are profit-making institutions and do business only to make a profit. The two primary characteristics of a commercial bank ...

  7. NPTEL :: Management

    Modules / Lectures. Intro Video. Lecture 01: Importance and Forms of Commercial Banks. Lecture 02: Functions, Goals and Constraints of Commercial Banks. Lecture 03: Regulation of Commercial Banks. Lecture 04: Financial Statements of Commercial Banks-I. Lecture 05: Financial Statements of Commercial Banks-II. Watch on YouTube.

  8. Principles of Commercial Bank

    Principles of Commercial Banking Principles of Liquidity. A commercial bank offers two types of deposits. Demand deposits which the bank has to repay on demand like a Savings Account and; Time deposits which the bank has to repay after the expiry of a certain period; Further, on a daily basis, customers withdraw as well as deposit cash. therefore, all commercial banks have to keep a certain ...

  9. Commercial Bank Operations

    Commercial Bank Operations (BWBB3013) 21 21 documents. 0 0 questions 7 7 students. Follow this course Chat. Lecture notes. Date Rating. year. Ratings. ... Vikesh 281618 - Individual Assignment. 8 pages 2021/2022 None. 2021/2022 None. Save. Case Study- Questions - assignment. 2 pages 2021/2022 0% (1) 2021/2022 0% (1) Save. Tutorial work. Date ...

  10. Commercial Bank Management Assignment

    commercial bank management assignment - Free download as Word Doc (.doc), PDF File (.pdf), Text File (.txt) or read online for free. cbm

  11. Commercial bank

    Commercial bank. Primary objective of this article is to focus on commercial bank. A Commercial bank is a type of financial institution to provide financial services to general public, sustainable growth of the economy. Banking sector provides Core products and services for economical growth, investment sector & share market, along with core ...

  12. Commercial Banking

    Commercial bankers are financial professionals in client-facing advisory roles, specifically for medium-to-large businesses. They may be sales-focused (i.e. relationship management), support-focused ( e.g. analysts or associates), and be part of a deal team. Bankers deliver commercial banking solutions and advice with a customized suite of ...

  13. Analysis of strategy and performance Commercial Bank of Ceylon PLC

    Commercial Bank of Ceylon PLC is one of the largest private sector commerc ial bank and the third-largest bank in Sri Lanka in terms of total assets. Total asset base amounts to Rs. 1,143

  14. Management of Commercial Banking

    Management of Commercial Banking. This course deals with the management of commercial banking activities from risk management perspective. The prime focus of this subject is to manage major risks such as interest rate risk, credit risk, liquidity risk and operational risk faced by the banks to maximize the dual objectives of commercial banks i ...

  15. The Managerial Functions in a Commercial Bank Assignment

    This paper "The Managerial Functions in a Commercial Bank" focuses on the fact that there are various managerial functions of a bank. First, commercial bank through it managers must coordinate and supervise its capital adequacy. This is to ensure that the bank has adequate finances. …. Download full paper File format: .doc, available for editing.

  16. Commercial Real Estate and Regional Banks: Should You Worry?

    This is the one that is still going to be the riskiest. It does have the highest amount of exposure to commercial real estate with the high amount of office exposure. Of the banks that we do like ...

  17. An Overview of United Commercial Bank Ltd

    United Commercial Bank Limited has elevated services to the highest standard by bringing Electronic Banking (E-Banking) and ATM services at the doorstep of clients. Today the entire banking system has been undergoing are evolution change in providing improved services to the clients. ATM has made the lifestyle of its clients much easier and ...

  18. PDF U.S. Citi Commercial Bank Treasury Solutions Guide

    Commercial Bank accounts to other linked accounts. • Wire Transfers - Send money worldwide in USD or a wide variety of local currencies. • Approvals - Receive notifications when approvals are pending and need action. 1.5 Security Features • Automatic Timeout - Customize your inactivity duration from 5-20 minutes before the application ...

  19. PDF Assignments and Collateral Assignments Of Commercial Leases

    bank as security in exchange for a $6,000,000 loan for its business. The court noted that the collateral assignment to the bank did not al-low for the bank to take possession of the property unless a default oc-curred under the loan. Further, the lease itself did not specifically pro-hibit collateral assignments without landlord's permission.

  20. How the revolution changed the lives of the ten largest ...

    From 1910 to the war itself, Kamenka headed the Azov-Don Bank, which with him turned into the country's fourth largest commercial bank (with a fixed capital of 50 million rubles and a balance of half a billion). In addition, the banker actively participated in the activities of the Jewish Colonization Society, created to organize the ...

  21. PDF Joint stock company Bank Vozrozhdeniye (V.Bank)

    The Moscow joint stock commercial bank "Vozrozhdeniye", hereinafter referred to as the Bank, was incorporated by decision of incorporators (minutes No. 1 of October 12, 1990) as an open-type joint stock company. In accordance with resolution of general meeting of shareholders (minutes No. 1 of March 29, 1996) the

  22. Commercial Bank Management Assignment Help

    HelpwithAssignment with a team of Ph.D. experts provides top-notch commercial bank management assignment help service at affordable prices. Course FINC 450 is an analysis of commercial bank management. Its aim is to evaluate bank business strategies and examine how the changing commercial banking environment has affected profitability.

  23. Московский метрополитен. Moskovsky Metropoliten. Moscow Metro

    Видео, аудио, фото: Московское метро в 2015 году.

  24. Russia-related Designations and Designations Updates; Issuance of

    The Department of the Treasury's Office of Foreign Assets Control (OFAC) is issuing Russia-related General License 79, "Authorizing the Wind Down of Transactions Involving Certain Entities Blocked on December 12, 2023," and Russia-related General License 80, "Authorizing Certain Transactions Related to Debt or Equity of, or Derivative Contracts Involving, Highland Gold Mining Limited."