Philippine Banking Industry Outlook Positive Despite Recession

The Philippine banking industry seems to be unaffected by the global financial crisis. And despite the liquidity crunch in various developed and emerging economies, the Philippine banking industry has been able to sustain the growth level.

According to a research analyst at RNCOS, -The banks in Philippines have benefitted from a series of reforms undertaken in past and intervention by the regulator to increase the capital base and to have better risk management strategies in place. The multipoint policy adopted by the industry during the last quarter of 2008 has resulted in minimum risk exposure to the banks in Philippines. Restricting dollar sales only for outward investment, enabling active lending between banks and low level of investments in foreign assets has resulted in positive outlook of the industry in current economic turbulence. Banks in Philippines have limited their investment in local blue chip companies because of the high yield from the Philippine Stock Exchange.-

Banks in Philippines are opting for high degree of penetration, mergers and acquisitions, and high credit growth rate at a time when banks in other developed and emerging economies are writing off assets base and slowing down credit disbursal rate. However, according to -Philippines Banking Sector Analysis-, a research report from RNCOS, the sector will manage to book a CAGR growth of 10% in its asset base through 2010.

-Philippines Banking Sector Analysis- contains comprehensive research and rational analysis on various segments, like assets size, income level and number of cardholders, in the Philippines banking industry. It also analyzes the current performance and growth opportunities in the sector, and helps clients to understand various products available in the market and their future scope. It also discusses the role of technology in the Filipino banking industry.

The report gives future outlook of different aspects of the banking industry such as financial cards, mobile banking, bancassurance, industry assets, mutual fund assets under management, number of credit cards, IT spending by banking industry, microfinance and life insurance product sales etc. The future projections are made after analyzing the current market scenario, past trends and regulations laid by the central bank.

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About RNCOS:

RNCOS, incorporated in the year 2002, is an industry research firm. We are a team of industry experts who analyze data collected from credible sources. We provide industry insights and analysis that helps corporations to take timely and accurate business decision in today’s globally competitive environment.

Great Small Business Event Marketing

For more going on fifteen years, I have been helping business owners and organizations hold events. The events ranged from races, to fairs, to concerts and dinners. Though the attendance varied greatly between them, the goals of management were often met and exceeded.

Events are the best way to:

get prospects to visit your store for the first time

build upon existing relationships with customers and vendors

grow existing lines of revenue

rally and motivate workforce and volunteers

expand branding

grow online presence and position

have a great time!

Events are very community oriented, and driven by the same. Bringing people together creates buzz.

There are three major areas of an event: event marketing (getting the brand out), event management (making sure the day is planned well and executed successfully), and event planning (getting all the details together to meet the event vision). Working together, these three items, thought out and coordinated, make great events.

I am often asked questions related to any of these three items. The questions I hear range from band and entertainment to how to use Facebook. Small businesses can do a lot with a little encouragement and direction. They can go really far with a little help from someone in the event industry. Small businesses and Organizations have a lot of gusto. They are ready to go all the time. And when they can see that something will get them further, they often grab the opportunity.

Small businesses are flexible. They can have a simple, low cost event marketing schedule coordinated with other ongoing marketing. Pairing an event with current expenditures creates broad public awareness. With current promotions are paired with a chance to experience a business or product, customers have incentive to participate.

I have often seen this occur. In one case, a restaurant advertised their foods as well as an evening with live music. Some monies from the night would be donated to the city fireworks fund. This night brought some business and money for community fireworks. The result was the night of the fireworks show, the restaurant was full to the brim. They had one of their best nights ever.

The power of small business event marketing is understated. Giving customers a reason to experience a small business in the form of a party invitation has leverage. As a small business owner, having an event can be fun, rewarding, and valuable to sales overall.

How To Make Money Online Without Investment Starting Today

This article will share with you how to make money online without investment. Everyone wants to earn ” internet money”. The best way is to do this is with no experience and with zero cost. Imagine this, you could have multiple sources of online income. This will increase your streams of income. Get rid of the myth that you need to own a web site, you must have online product to sell or you must acquire the technical skills or “internet savvy” for your to earn “internet money”.

You could still earn “internet money” if you are not a web designer or a marketing genius. You are still wondering how to make money online without investment? Explore the following ways.

1. Online Writing

You could certainly earn “internet money” if you love writing. There are article directories or websites which pay you money if you submit or contribute your writing to them. Explore these sites, for example, Helium, Hubpages, Squidoo, Snipsly and Info Barrel. Start writing and sharing and start making money online without investment.

2. Affiliate Marketing

This is the best online business model for a beginner online marketer. Basically, you promote some else’s product online and you get paid a commission by successfully done so. You could get the affiliate products for free at the affiliate networks. You could use article marketing or even blogging to promote the affiliate products.

3. Blogging

You don’t need to have a website and you don’t need to know about web designing for you to set-up and blog. You could even set up a blog for free within minutes and start posting. Place ads for free on your blog and you will get paid when the visitors click on the ads. You could even place your affiliate link on your blog and promote the affiliate product through your blog. Again, share you story, your passion or whatever interesting topics through your blog and earn money online without investment.

How to make money online without investment? Explore the above now and integrate online writing, affiliate marketing and blogging and start making “internet money”. Isn’t it wonderful for you to be able to earn money online without investing a single dime?

About Investment Banking and Why You Should Seek Expert Help For It

Investment banking is a widely accepted phenomenon presently, the major reason being expert advice provided at every step you need to take. Financial giants take the responsibility of making sure your money grows avoiding the risk of down fall. Today every person at some point or the other thinks about investing some amount of money in the stock market. A major worry of all these people is the uncertainty; investment banking beats these blues and offers best possible investment advice to its customers.

A major chunk of people involved in investment banking do not have the time to keep an eye on the ever changing markets and track their returns. In such cases arises the need for investment banking services. These companies do all the hard work of market research and analysis and advice investors on where to put their money for maximum returns. This also depends upon the amount of money the person is willing to investment.

There are many sectors in which investment banking is being carried out, few of them include retail healthcare, insurance and automobiles. Another emerging trend in this banking is that of equity investments. Equity investment banking is based on the dividends of the existing shares an individual holds. There are expert advisors who guide the movement of funds here as well so that there are no last moment disappointing surprises.

When it comes to investing money not all have the perfect knack hence it is always good to seek help of an expert investment banking company or equity investment banking services. Money after all is a crucial issue and you would always want to see it grow systematically. Another advantage of investment experts is they help you understand the market well. You get to know where your money is going and the reason behind it too. These services do come with at some extra cost but are sure to give you peaceful night sleeps and not make check the stock market prices every now and then. Let the experts do their job so that you can relax and reap the benefits.

Choosing the right financial advisor is also important in such cases. Also reading the fine print before finalizing anything is advised as there are many terms and conditions that come along with investment banking. You can take reviews of family members, friends, colleagues etc in deciding which and choose. There are numerous financial institutions and each one of them is offering investment banking services due to its rising demand.

Come Knowledgeable Basic Bank Account No Credit Check Answers

We’re maybe not really necessarily seeing a decrease in the wide variety of individuals at the branch,’ mentioned Everhart. ‘we all just completed a round of helping one customer add not tellers however banker mortgage persons in several of the branches over their footprint. The Charlotte location was included. They certainly sought to incorporate staff.’ Banks were putting, on average, three to five teller stations in every branch, she said. That’s down from as several as eight stations in the past, she said. Deposit Checks – This try a relatively hot feature that allows one to make a check deposit if an individual take a pic on the consult their smart-phone.

The potential effects of these types of a move could not be conveniently noticeable, however be confident they can be strong plus far-reaching. Since 2008 there has been almost no industry for room mortgages inside this country ‘ investors just refuse to buy all of them from financial institutions unless they have Fannie or Freddie seals of acceptance. In fact, almost every mortgage authored inside this nation because the meltdown features had to pass through 1 of those 2 businesses before information technology can be available to individuals in the available market.

Go to my web site BankAccountPro.com for other guides and articles on Swiss Bank Account Opening.

Come Knowledgeable Basic Bank Account No Credit Check Answers

But, yahoo, Twitter and Apple tend to be improbable to like to be banking institutions using the sort of capital, compliance plus regulatory overhead connected with all the financial company. However, Apple must probably see it’s own financial permit in the Caymans only to keep their particular large wad of cash supplies at the moment. I’m positive that would in some way render feeling. The greater likely result was really that Google, Twitter and Apple become element on the answer for reducing distribution outlay for banking companies, and they’ll probably end up being in a position to charge a superior for which gain access to in the future.

The cover of their internet financial membership is actually at danger from hackers. You’d require a desirable pc safety from problems and applications bundle used by next celebrations to shield yourself from any problems which could be performed to the net economic solutions account. Once they very first appeared found regarding the websites all online banking institutions, i.e. those which never have actually any walk inside divisions, had been developed solely for net treatments to right vie with conventional financial institutions. Much more helpful and cheaper to manage they have been joined up with online by usual high road banking companies attempting to discover their particular cut on the web banking dessert.

PNC Online Banking

PNC rates on mortgages are one of the few that did not increase when many of the other financial institutions have already done so.

For a $250,000 loan in the Philadelphia area, the rates are as follows. The 30 year fixed interest rate at 5.50% to 5.875% with APRs of 5.626% to 5.842%, respectively. The 20 year fixed interest rate is at 5.625% to 6.125% with APRs of 5.828% to 6.098%. The 15 year fixed is at 4.875% to 5.125% with APRs of 5.082% to 5.258%. The 10 year fixed interest rates are 4.750% to 5.125% with APRs of 5.045% to 5.232%.

The current bank rates on CDs include a tiered format. The top tier is for those with Performance Select checking accounts, followed by Premium Plan, then the Standard CD rates. The promotional 9 month CD is earning an APY of 0.45%, 0.42% and 0.40%, respectively. This has a minimum deposit of $1,000.

The 3 month CD is earning an APY of 0.15%, 0.15% and 0.15%, respectively. The 6 month CD is earning an APY of 0.25%, 0.20%, and 0.20%. The 1 year CD is earning an APY of 0.50%, 0.45%, and 0.45%. The 18 month CD is earning an APY of 0.55%, 0.50%, and 0.50%.

The 2 year CD is earning an APY of 0.50%, 0.45%, and 0.45%. The 3 year CD is earning an APY of 0.70%, 0.65%, and 0.65%. The 4 year CD is earning an APY of 1.05%, 1.00%, and 1.00%.The 5 year CD is earning an APY of 1.25%, 1.20%, and 1.20%. The 7 year CD is earning an APY of 1.75%, 1.70%, and 1.70%. The 10 year CD is earning an APY of 2.00%, 1.95%, and 1.95%.

The minimum deposit for these PNC rates is $1,000, and the rates were posted on February 9, 2011, but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

For additional resources involving financial help, please view PNC Online Banking, best bank savings rates, Westpac Online Banking and Online Banks at

Basic Requirements Of Banking Jobs In India

The entire global economy is going through a tough phase now. A lot of people have already lost their jobs over the last couple of years and many more are living in the fear of losing their own. Quite interestingly enough, almost all the job cuts have happened in the private sector; there are very few government employees who have actually lost their jobs. Bank jobs in India are definitely better compared to the corporate jobs then it comes to job security, average salary and also annual benefits.

If you take a look at the list of Indian Banking jobs 2012, you would see that almost every banking departments has a couple of vacancies. Almost all the jobs that are featured in the list of Indian government 2012 require you to be an Indian citizen, have no criminal records and be above the age of 18 years. So, these are the basic qualities that are needed in a candidate who wants to apply for all such vacancies in India. Let us now take a look at the educational and other requirements:

Educational Qualifications

As told earlier there are a variety of different banking jobs available in the list of Indian banking jobs 2012. The educational qualifications required for different posts in India are definitely different, but in most cases you are required to be at least a graduate in order to be eligible to apply for a post. Most jobs in India would require you to go through a written examination followed by an interview process. If you get selected, you would be put on training for a stipulated period of time during which you would be eligible for a fraction of the salary and benefits offered against the post. There are some job vacancies that would require you to have technical qualifications such as a degree in engineering or a diploma in applied sciences. In almost all the cases your degree or diploma should be verifiable and should have been awarded by an UGC recognize University or institute. For graduate level teaching jobs you need to have a postgraduate degree or doctorate on the subject of your choice in order to be eligible.

Experience With The Indian Army

If you have military working experience you would be eligible for almost all posts that are featured in the list of Indian banking jobs 2012. Most banking departments have a couple of reserved seats for ex-Army professionals and as long as you have proof of your service at the Army, you would not have to worry about the age limits specified by different banking jobs in India. There are some vacancies in India that give preference to ex-Army professionals; so, if you are serving the Indian army, you might as well think of taking up another job with a govt department after retiring from the Army!

Top 4 Banks Of Singapore And Their Requirement To Open A Account

Singapore is a commercial hub, currently there are 140 commercial and 80 merchant banks.It is always advisable before opening a bank account you must browse all information , what facilities different banks offers.There are several banks in singapore such as HSBC, citibank, abn amro, dbs , Standard Chartered etc.All these banks are famous for their customer services, you can choose any of the them.

Some of the well known Singapore Banks

United Overseas (UOB) : It is one of the best bank in singapore, has branches in Malaysia, Thailand, Indonesia and China.UOB provide a lots of services such as life assurance, general insurance, corporate finance, investment banking, commercial and corporate , private , personal financial services and asset management.

Oversea Chinese Banking Corporation (OCBC) : OCBC in Singapore was formed in the year 1932 by the merged of OCBC , Chinese Commercial Bank Limited, the Ho Hong Bank Limited and the Oversea-Chinese Bank Limited. The main aim of bank is solving the financial needs of the customers for both personal and business purposes.

Development Bank of Singapore (DBS): It is one of the top bank of singapore .DBS enjoys the top most positions in consumer banking, management of assets, securities brokerage, treasury and markets, equity and debt fund raising.It is one of the leading bank in singapore and working with a aim to solve the customer problem.

Citibank: The main branch of Citibank in Singapore is located at MacDonald House in Orchard Road. It offers full bank services and shares its ATM network with HSBC, ABN AMRO, Standard Chartered and Maybank. Citibank in Singapore is a branch of Citibank N.A of the United States.

Types of bank account in Singapore
Current accounts It is used for everyday banking. It is require a minimum balance be maintained. Interest rates paid on current accounts are mainly low

Savings accounts Basically saving accounts pay a higher rate of interest than current accounts. Savings accounts require a minimum balance to be maintained

Fixed-deposit accounts This account is used for long-term saving, with interest rates offered typically higher than either current or savings accounts.

Opening a account in singapore

In order to open a bank account you require:
1. A photocopy of your passport , it act like a Identity proof.
2.Employer’s letter : Bank only open account , if you are a resident or have an employment visa.
3.A recent phone bill
4.A copy of residence proof.
5.Initial Deposit : a intial deposit is required to deposit in the account.

Timing
Most of the banks of singapore works from 9.30 a.m to 3 p.m (Monday to friday)
9.30a.m to 11.30 on saturday.
Sunday closed.

What you get with your bank account

Services of accounts various from banks, and depending upon type of account you choose , you will recieve a cheque book, ATMcard and Network for Electronic Transfers.

Mobile Marketing and Advertising for Small Business

The mobile marketing and advertising news-wires are abuzz and more and more companies are jumping into the game on a daily basis. Powerhouses like Google and Apple are building their arsenal for the mobile advertising phenomenon that is all the talk right now.

Companies large and small are jockeying for position within their target markets and local niches in an effort to get a first mover advantage in the inevitable transformation to the Mobile computing tsunami that is already taking shape.

What this means to the Small Business owner and in-house marketers is that the mobile marketplace has gained momentum. A solid mobile strategy can provide a huge advantage and be your secret weapon for success among a targeted niche audience or in a localized small to medium size metropolitan area.

You see, we understand that you don’t have the time to keep you ear to the ground on all of this Mobile mayhem, because you are busy with your two hands on the wheel with your companies. What we also know is that you rely on other small businesses to provide you with the knowledge and the tools to make sure that you are keeping you marketing and advertising efforts relevant and effective. In the ever evolving multimedia e-marketplace, you need solutions and you either need them to be service based and low cost, or you need them to be extremely easy to understand and integrate on a do it yourself basis.

After all, one of the coolest things about being a small business owner is the adventure of wearing a variety of hats and learning the latest and greatest techniques to stay ahead of the competition. Today, Mobile Marketing might be one of the most effective and efficient means to push your business out ahead of the pack. Whether you are a retail shop, professional service, restaurant, hotel, craftsman or independent artist, you can engage your customers like never before.

The tools, knowledge and abilities to put this into motion for your specific marketplace are right at your fingertips. Although this might seem like a complicated technological maze, you’ll be pleased to find that many other small companies within the Mobile Marketing industry have brought forth some interesting and easy to understand guidelines and tools that you can utilize today in efforts to launching your company into the Mobile arena.

Scope of Online Share Trading Rising with Flexibility of the Market

The market that deals in shares and stocks can be depicted as a fluid that supports the probability factors of density and viscosity at any possible time slot. So trading with such unexpected scenario can be tough and sketchy if an individual is not at all updated with these abrupt changes of the share market. In online share trading interface of the user with the market at maximum availability can yield an effective result to his trading. Such a facet demands high speed connection of the Internet for market notification so that the platform of trading can be captured with snapshots that will keep track of every second change of the same. There may be countless strategies available for implementation of online share trading which also falls in the Indian stock trading schema. Both short term and long term investments change with variable market returns, based on the deposition of assets and contribution of the shares. The biggest advantage about the trading of shares being online is the easy gain and accumulation of market information by watching live telecast of BSE (Bombay Stock Exchange) and changing activities of NSE (National Stock Exchange). Such a step will not only help an individual to gather information about the various research related topics on stocks and commodities but will also make him collect the tips of the experts to do profitable business based on shares and stocks of the market.

All over the Asian countries, the Indian stock trading is considered to be having the major and greatest stock trading markets. Besides, with the onset of online share trading the lengthy and tiring process of walking down the streets of share markets to collect the updates or relying on the stock market oriented news or even turning the pages of a newspaper for encircling the fluctuating rates of shares are over. All you need to do is just sit inside a cyber caf or comfort yourself on a sofa with a laptop connected to the Internet to collect the same information vital enough for trading and dealing of shares. But in both the format of trading (online and offline), an individual should have sound knowledge about the market values based on shares and also the basics of investing on the same. a>