Seit dem 01. Januar 2007 ist Bulgarien Mitglied der Europäischen Union. Es ist unumstritten, dass ein gut entwickeltes und stabiles Finanzsystem entscheidend für die Konvergenz und die erfolgreiche Integration des jeweiligen Mitgliedstaates ist. Die Banken spielen in der bulgarischen...

Ziel der vorliegenden Arbeit ist die ökonomische Analyse der Regelungen zur Kreditvergabe an Unternehmen der Neuen Basler Eigenkapitalvereinbarung in der Version vom Januar 2001 („Basel II”). Der grundlegende Unterschied zwischen diesem Regulierungsentwurf und der momentan gültigen...

Trennschärfere Kreditentscheidungsverfahren (Credit Scoring) sind ein Wettbewerbsvorteil für Banken. Sie erlauben es ihnen, profitablere Kundensegmente bei der Kreditvergabe zu identifizieren. Sollte die im Firmenkundenbereich übliche subjektive Einschätzung des Kreditnehmers durch den...

Marketing strategy has been justified by a number of criteria, including brand awareness, consumer attitudes, repeat buying and ratings of customer satisfaction; but the existing literature indicates the existence of weak relationships between these variables and sales, and almost no...

ENGLISH ABSTRACT: This report presents a structured approach to design and implement a shared services model for Capricorn Investment Holdings (CIH), Namibia. Shared services are tactical by nature and aim to support the organisation's strategy. Shared services are the consolidation of...

In 2008, retail banking in South Africa is a highly competitive industry with extensive customer bases that expect increasingly more from their banking experience. The retail bank with an appropriate strategic differentiator will gain a sustainable competitive advantage in the changing retail...

ENGLISH ABSTRACT: Small and medium enterprises have an important role to play in the South Africaneconomy. The success of SME’s will lead to economic growth, that will play a major rolein reducing unemployment in South Africa. It will also be the main driver for blackeconomic empowerment.As...

ENGLISH ABSTRACT: The mobile phone has not only changed the way the world works today, but also changed the direction the world is moving toward. The mobile phone changed the face of communication and enabled more people to reach more other people than ever before.The big four banks in South...

ENGLISH ABSTRACT: The research report investigates the risk/return relationship in the primary agricultural sector in theWestern Cape from a commercial bank's perspective. The study investigated the correlationbetween credit risk and return within a randomly selected portfolio of agricultural...

IntroductionInformation is increasingly attaining an unprecedented importance in companies and becoming the basis of competitive advantage. At Absa this has meant a significant shift in the way information is viewed, to such an extent that Management Information (MI) has been identified as one...