How is the lending strategy different to us commercial banks

Assignment Help Microeconomics

Reference no: EM132318394

Assignment: Over the past century we have gone through three globalizations. The first, in the years before World War I, was based on mass commodities and infrastructure investments. The second, which only outstripped the first wave of globalization beginning in the 1980s, focused on mass manufactured goods and the capital equipment. Now, we are entering a third stage of globalization - one that is layered on dimensions of the prior two - in which the center of profitability has shifted toward the retail interaction. This trend is called "Global Retail", or, less euphonically, "globalization". The goal of this assignment is to see how a successful European retail banking organization confronts the opportunities and challenges of globalization. Therefore, the article focuses on how they make their loans and tries to find the differences between their strategies, which appear to be well suited to the fragmented regulatory market in Europe, and the U.S. model of consumer lending.

1. Please describe and evaluate the Country/Political Risk faced by this organization and describe its successes and failures.

2. What has been the lending strategy followed by Santander? Are lending decisions based on the credit background of the borrower, or on the riskiness of the venture? How do they manage risk? How do they finance their loans? Why is there so little cross-border borrowing?

3. How is the lending strategy different to US commercial banks?

4. As a consultant to the CEO, what would you suggest Magda Salarich do now? Please obtain, identify and evaluate the data and conduct a multi-perspective analysis of the evidence to make a logical recommendation for solving the problem with a global perspective.

5. Defend your recommendation and communicate your beliefs clearly and accurately.

Reference no: EM132318394

Questions Cloud

An employer usually pays workers compensation insurance : Employers who have less than $2,500 due in federal income tax withholding and Social Security and Medicare taxes at the end of the quarter should journalize.

Compute the given items for monty corporation : Monty Corporation was formed 5 years ago through a public subscription of common stock. Daniel Brown, who owns 15% of the common stock.

Justify which form of payment has the most merit : Describe how private and government insurers and payers impact actual reimbursement. Justify which form of payment has the most merit. Explain why.

Differentiate absolute advantage from comparative advantage : Distinguish "absolute advantage" from "comparative advantage" in the context of your example. Then select an international terms-or-trade ratio and explain.

How is the lending strategy different to us commercial banks : How is the lending strategy different to US commercial banks? As a consultant to the CEO, what would you suggest Magda Salarich do now? Please obtain, identify.

How much is inventory on the balance sheet as of april : Quan uses a periodic inventory system. The company had the following data for the month of April. How much is inventory on the balance sheet as of April 30?

Briefly explain scada separation architecture : After writing a mini literature review about Deception Technology pick a specific deception technique and write a literature review about it. Your final paper.

Should they be regarded as a change in accounting principle : Discuss the use of each of these three techniques and their effect on current and future earnings reporting. Explain how changes of accounting estimates.

Explain the technical terminology and tools use in report : For the course project, you are to select a recent (within the last five years) significant security attack. You will research the incident and write a report.

User Account

All Pages