Foreign Banks Pros and Cons Essay Example for Free

Foreign Banks Pros and Cons Essay Today with the blessings of tremendous development in the communication technology, relationship and interdependence among the countries have been growing rapidly which signifies globalization as an ongoing process. Globalization helps the international business- that is engaging in cross border expansion of sales, acquiring resources and diversifying risk. Factor that benefiting the foreign banks in Bangladesh: Bangladesh is a developing country with a huge population. From the beginning of Bangladesh as an independent country it has been a desiring place for doing business for business organizations operating globally. This circumstance is existed in banking and other financial service sectors. There are some factors that benefitting the foreign banks operating in Bangladesh. 1. Extended sales in an enormously populated country with a low competition: Bangladesh is a country with a large population, so this place is a big market for the banks in a single boundary with a simple set of legislations. So the foreign banks operating in Bangladesh can serve a large group of customers with a single marketing policy. As now a day the business transactions are taken place through banks and house hold savings are kept in banks so the foreign banks do not have to be concerned about the demand. The local banks can not give a big competition as well. 2. Minimizing risk: As usual the multinational banks like other multinational corporations minimize risk by operating in Bangladesh. That means if the banking sector collapses in a country the multinational banks will not loose everything and it is a risk diversifying method. 3. Acquiring resources: The foreign banks operating in Bangladesh can acquire Bangladeshi capitals, information and human resources easily. The local expertise is keen to work in MLCs. So the foreign banks can acquire the local human resources easily at a very cheap rate compare to the global condition. Having the benefits in Bangladesh 10 local banks have established their operation in our country and working comfortably for years after years. Influences of foreign banks in Bangladesh: Benefits: 1. A boast in banking sector: Local banks are expected to react as the foreign banks enter to the country. The local banks here have changed their police in a positive way caused by healthy competition. 2. Bringing ne management and advertising techniques: foreign banks typically bring newer and more modernized management and advertising techniques in our banking sectors. The local banks can learn the modern techniques to cope up with the changing economic environment and globalization. 3. Introducing new modernized technology: In Bangladesh most of the modern financial technology such as ATM, different types of cards, off balance sheet accounting and the latest computing technology brought by foreign banks and spread out in whole banking sectors. 4. Helping in international trade: Aiding in the development of trade and foreign direct investment are presented by foreign banks. Such as opening an L/C in a multinational bank may be more helpful for the merchants. Problems: 1). Foreign domination: the established foreign banks have far greater brand value and economic capability than the local banks. So they can easily dominate by attracting customers. They also are being magnets for local human resources, so the local banks do not get the local expertises which also pull the local banks behind the multinational banks. 2). Lack of local commitment: the foreign banks lack commitment towards the country for some reasons not meeting some social responsibilities. 3.)Â  Cream skimming behavior: though there is not much data available to prove this fact many people think that the foreign banks cream skim the market- taking disproportionate share of best local business away from domestic banks. 4). Unhealthy completion: introduction of foreign banks has added pressure to the local banks by increasing competition which results in risk taking of local banks. So the foreign banks of Bangladesh have a great influence in our economy in the form of pros and cons which are effectively altering our banking sector, with their operation.

Compare Nuclear Fusion vs. Nuclear Fission :: comparison compare contrast essays

Compare Nuclear Fusion vs. Nuclear Fission    Nuclear energy must be a consideration for the future with the rapidly depleting supply of fossil fuels. This type of energy can be created through nuclear fission and nuclear fusion. Nuclear fission is the splitting of a heavy atom into two or more parts, releasing huge amounts of energy. The release of energy can be controlled and captured for generating electricity. Nuclear fusion involves bombarding hydrogen atoms together to form helium. In the long run, nuclear fusion has greater potential than fission.    Cost and availability of fuel is a considerable factor when dealing with nuclear power. Fission requires an element that can be easily split in a particle accelerator, such as uranium or plutonium. Fusion, on the other hand, uses isotopes of hydrogen atoms, specifically deuterium and tritium, that can be obtained from ordinary water. Uranium ores occur naturally in many parts of the world but must go through a costly purification process before used as fuel. The unprocessed ore contains approximately 99.3% uranium-238, a non-fissionable isotope of uranium, and only about 0.7% of U-235 required for fission. One hydrogen atom out of 6700 appears as deuterium, a naturally occurring isotope of hydrogen with an extra neutron, and can easily be separated from the rest. Uranium-235 is a non-renewable resource that will eventually run out, much like the fossil fuels. The abundance of deuterium and lithium provide a virtually unlimited supply of fuel for nuclear fusion. Therefore, nuclear fusion seems to be the better choice.    Second, the potential amount of energy produced by fusion can greatly outweigh the fission. Initially, there are some disadvantages to fusion. The time and money required to develop technology needed to initiate, contain, and sustain a profitable fusion reaction is costly, but the development is still in its early stages and will continue to advance through the next century. Fission readily creates a chain reaction which must be slowed through use of a moderator to avoid core meltdown, while fusion can only be accomplished at temperatures similar to the centre of stars, about 100 million degrees celsius. The components used in fusion exist in the form of plasma where atoms are divided into electrons and nuclei.

Financial Analysis of Cadbury Schweppes Essay

The capital structure of Cadbury Schweppes based on its 2006 balance sheet shows that the company uses more debt than equity to finance its operations. The company’s debt to total stockholders equity ratio of the company is more than fifty percent, while its debt to equity ratio is at 1. 30. A high debt to equity ratio means that the company relies heavily in debt financing. A high debt to equity ratio does not necessarily mean that the company has poor financial leverage because there are industries that are capital intensive which requires companies to incur large amounts of debt to finance its operations. One such industry is the automobile industry, where a debt to equity ratio of two is still considered acceptable. In the case of Cadbury Schweppes, the company is engaged in manufacturing candy, chocolate and drinks. It is an industry which is not as capital intensive as the car manufacturing industry so its debt to equity ratio maybe too high. The company has been undergoing changes in its operations over the years. It has gradually moved out of its investments that do not fall within its core business which is confectionery and beverage. While it disposed of some of its incompatible businesses, it continued to expand its confectionery and beverage operations. These acquisitions, particularly those made in the United States can be the reason for its large debt. Debt is used by the company to increase its operations and, as a consequence, increase its profits. The company’s performance has been increasingly growing every year, so it is possible that the company has determined that the cost of expending the operations which is in the form of interest payments is much lower than the benefits incurred in the form of increase in sales. Having a large amount of is extremely detrimental to the company if it is unable to recoup the cost of the debt; this is not the case of Cadbury Schweppes. The dividend yield ratio measures the amount of income received by each share of stock with the cost of such share. The dividend yield ratio necessarily varies over time because the market value of share changes as it is traded. A comparison of dividend yield ratio over time can be used to gauge if the performance of the company is improving, but this ratio should not be analyzed on its own. It must be analyzed together with other factors such as the market value of the share. A company with a low dividend yield can mean that the company’s share is priced highly by the market and does not necessarily mean that the company is unable to make dividend payments. On the other hand, high dividend yield can mean that the company’s share has a very low market value and not because it is able to give its shareholders large amounts of dividends. The company has a dividend yield of 2. 30% and it share has a market value ranging from 51. 5 to 51. 6. Based on this figures, it is apparent that its dividend yield is not because of the extremely high or low market value of its share. The price/earnings ratio of the company, on the other hand, is seen by investors as a gauge of how much the market values the company’s share. In this company’s case, it has a price earning of 24. 22. This number is very close to the industry’s average. This means that the company is competitive with other members of the industry and is generally viewed by the investing community as a good investment. Based on its dividend yield and price/earnings ratio, the company is able to compensate stockholders despite its large debts. This is probably because the earnings of the company is divided by a smaller number of shares than if the company chose to finance its operation by equity rather than debt. The large shareholders of the company are Franklin Resources, Inc. and Legal and General with shares ownership amounting to 4. 01% and 3. 47%.

Relationship Between Family Size And Conformity Essay

Stage 1 Psychology: Conformity Investigation Subject Outline Topic - Influence and Social Interaction Hypothesis: Will those in group A with a higher number of siblings have higher campaign scores. (higher percentage in campaign scores more likely to conform). Research Question: Relationship between family size and conformity levels. Proposal: The following investigation is designed to determine whether there is a relationship between the number of siblings and conformity levels. As the investigation was a quantitative observational design, participants naturally fell into the three pre-existing groups of family size, those of which ranged from no siblings to two siblings. The campaign score data was collected through a survey where†¦show more content†¦The quantitative data will be obtained and be displayed through a scatterplot. Results: Figure 1: Each participants common sense and campaign scores collected Discussion: The purpose of this research was to investigation the factors that contribute to conformity levels for participants in year eleven. In group A, it is shown in figure 1 that the results between campaign scores were relatively similar. Group A responded to the images in the same manner that participants in Group B who did not receive any options from a third party. This indicates that whatever a participates family size or sibling number was (how large or small) had an affect on the campaign scores, making our hypothesis accepted. The hypothesis was correct as the results and data compiled showed that the more siblings the higher campaign score would be. The reliability of the data would not be as strong since the participants moods and/or personal situation could vary if they were to do the experiment again, consequently changing their original results and therefore altering the entire experiments finalised results. To improve the effectiveness of the data, it might be better and more helpful to split into two groups based off of their moods and how attentive they are in that time frame. If done correctly, it would help the results by making them more even and consistent. How valid the experiment was may have come down to theShow MoreRelatedPersuasive Essay On School Uniforms1671 Words   |  7 Pagesuniforms. The boys wear black pants and a white shirt (sometimes with a tie). The idea of school uniforms seems like an antiquated concept for many North Americans. 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