A Review on Deutsche Bank

[Akhterp]

Deutsche Bank


Deutsche Bank is a multinational investment bank and financial services company headquartered in Frankfurt, Germany, and dual-listed in New York Stock Exchange and Frankfurt Stock Exchange.

The bank's network spans 58 countries with a large presence in Europe, the Americas and Asia.As of 2017–2018, Deutsche Bank was the 17th largest bank in the world by total assets.As the largest German banking institution, it is a component of the DAX stock market index.

The company is a universal bank with three major divisions: the Private & Commercial Bank, the Corporate & Investment Bank (CIB), and Asset Management (DWS). Its investment banking operations often command substantial deal flow.
History:

1870–1919

Deutsche Bank was founded in Berlin in 1870 as a specialist bank for financing foreign trade and promoting German exports. It subsequently played a large part in developing Germany's industry, as its business model focused on providing finance to industrial customers. The bank's statute was adopted on 22 January 1870, and on 10 March 1870 the Prussian government granted it a banking licence. The statute laid great stress on foreign business:
The object of the company is to transact banking business of all kinds, in particular, to promote and facilitate trade relations between Germany, other European countries and overseas markets.

Three of the founders were Georg Siemens, whose father's cousin had founded Siemens and Halske; Adelbert Delbrück and Ludwig Bamberger. Prior to the founding of Deutsche Bank, German importers and exporters were dependent upon British and French banking institutions in the world markets—a serious handicap in that German bills were almost unknown in international commerce, generally disliked and subject to a higher rate of a discount than English or French bills.

[Gamechanger2020]

Silk Bank

Introduction :-

On September 15, 2001, under the supervision of the State Bank of Pakistan (SBP), the institution then known as the Prudential Bank was acquired by the management and associates of the Saudi Pak Industrial and Agricultural Investment Company (Pvt) Ltd (SAPICO).
On March 31, 2008, a Consortium comprising of IFC, Bank Muscat, Nomura International and Sinthos Capital led by senior bankers Mr. Shaukat Tarin and Mr. Sadeq Sayeed acquired 86.55% stake in Silkbank for around $213 million or $0.47 per share (PKR 29.3 equivalent per share). Under the new leadership, the Bank will continue to focus on SME & Consumer financing resulting in efforts of increased profitability.

Mission

To be the leader in premier banking, trusted by customers for accessibility, service & innovation; be an employer of choice creating value for all stakeholder.

Values
Silkbank prides itself in being a conscientious and responsible corporate citizen with a commitment to the development of Pakistan. At Silkbank our employees are encouraged to give back to society and we have made concerted efforts towards the development of healthcare, education and constructive, character building sports activities in the underdeveloped segments of our country.

Core values

Customer Focus
Integrity
Teamwork
Creativity
Meritocracy
Humility

[alkatiri]

Everyone wants something easy and practical. So that there are many new findings that can make it easier for all of us, one of the examples is the existence of banks. Having a bank certainly makes it easier for us to make financial transactions, such as saving money. Saving or saving money at home, of course, there are some risks that will be experienced, such as when a fire occurs, when you don't have time to save all the money you have, the money will burn out, not to mention if there are robbers and so on. By saving in the bank, your money will remain safe from this risk, you can use it whenever or want to save it until you really need it.

When you have a savings account, you can save it at any time through a bank teller or non-cash ATM. In addition, you can take the money at any time by using an ATM card when you need it. If you want to buy goods or send money, you can easily transfer them anytime, anywhere. The money saved can be increased according to the provisions of each bank. If you save at a Conventional Bank you will receive interest according to the prevailing interest rate and your savings balance, if you save at a Sharia bank you will receive profit sharing at the agreed ratio. Of course, if the more balance you have in your savings, the more benefits you will get.

[jindon]

Banks are financial institutions whose roles are irreplaceable in everyday life and state life. We have never been separated from making transactions with banks, whether it is for sending funds, making payments, or applying for loans. Even though the bank is very close to us, many do not understand how the real bank works. Banks hold a lot of money that may be countless. However, the money is not their money or profit that can be used by the bank

Banks may be engaged in customer service and prioritize customer satisfaction more than anything else. But one thing to remember is, the bank is still a company so profit should be one of the main goals for them. A bank cannot make a profit without customers entrusting their money to the bank. Whether it's in the form of savings, deposits, or loans, banks need “start-up capital” so they can make their own profit. The various kinds of transactions that you make at the bank, such as opening a new account, managing a debit card, making a credit card, and applying for a business loan are ways for banks to make a profit.

[piton]

Bank customers use the bank to deposit their money, for business reasons or for security reasons only. Then the bank provides an additional bonus on customer deposits in the form of interest on deposits. Then the funds that have been collected are used to provide loans to other customers, who are burdened with loan interest in addition to the loan principal. Usually the loan interest is greater than the interest on the deposit so that you get a profit. In fact, this is the main income (source of profit) of the bank

Banks are basically business entities whose job is to make profits. So if in the past the bank was able to make a profit during their operational period (from when the counter was open to the counter closed), now the bank can make a profit every time.

Customers applying for a loan from a bank are required to provide collateral as collateral for the loan. Usually the collateral value is always greater than the loan value. If the customer experiences payment congestion (bad credit), the collateral is confiscated by the bank to cover the bad loan. The bank can sell it (auction) or rent it out.

[Gill1]

Arab Banking Corporation

INTRODUCTION:

Arab Banking Corporation (also called Bank ABC) is an international bank with headquarters in the Diplomatic Area of Manama, in Bahrain. It was incorporated as a joint stock company in 1980 through a special decree by the Amir of Bahrain. It obtained an offshore banking unit licence from the Bahrain Monetary Agency on 7 April 1980, and began operations in the same month. The bank is listed on the Bahrain Bourse and its major shareholders are the Central Bank of Libya (59.37%) and Kuwait Investment Authority (40.63%). Its network spreads across 17 countries in the Middle East and North Africa (MENA), Europe, the Americas and Asia. It is expanding its retail banking network in the MENA region.

Bank ABC is a provider of trade finance, treasury, project and structured finance, syndications, corporate and institutional banking as well as Islamic banking services.

HISTORY:

By April 1981, US$750 million had been fully paid by Bank ABC’s original three shareholders: the Ministry of Finance of Kuwait (whose shares have since been transferred to the Kuwait Investment Authority), the Libyan Secretariat of Treasury (whose shares were later transferred to the Central Bank of Libya) and the Abu Dhabi Investment Authority. At the end of 1989, ABC’s authorised share capital was increased to US$1.50 Billion and in June 1990, paid-up capital was raised to US$1.00 Billion through an international share offering. In June 2006, ABC’s shares were split 10 for 1 in order to boost trading activities by placing them in the same range as other shares quoted on the Bahrain Bourse.

At an Extraordinary General Meeting held in April 2008 ABC’s shareholders approved an increase in the authorized capital of the bank from US$1.5 billion to US$2.5 billion and an increase in issued and paid up capital from US$1.0 billion to US$2.0 billion by way of a priority rights share offering to existing shareholders. Another Extraordinary General Meeting was held on January 28, 2010 to approve an increase in the authorized capital from US$2.5 billion to US$3.5 billion and an increase in issued and paid up capital from US$2.0 billion to US$3.11 billion by way of a priority rights share offering to existing shareholders.

In December 2010 the Central Bank of Libya acquired the 17.72% shareholding of Abu Dhabi Investment Authority in ABC, increasing its stake to 59.37%.

In June 2015 Arab Banking Corporation revamped its corporate identity and changed its brand name to Bank ABC. The bank’s new identity launch coincides with the commemoration of its 35th anniversary. The change to a single, unifying global brand name and corporate identity toke effect on 15 June 2015 across the Bank’s global network spanning 18 countries in the Middle East and North Africa (MENA), Europe, the Americas and Asia (with the exception of its subsidiary in Brazil, which will keep its own identity as Banco ABC Brasil). The legal names of the Arab Banking Corporation and its subsidiaries did not change.

[Pak3000]

Bank of England

The Bank of England is the central bank of the United Kingdom and the model on which most modern central banks have been based. Established in 1694 to act as the English Government's banker, and still one of the bankers for the Government of the United Kingdom, it is the world's eighth-oldest bank. It was privately owned by stockholders from its foundation in 1694 until it was nationalised in 1946.

The Bank became an independent public organisation in 1998, wholly owned by the Treasury Solicitor on behalf of the government,but with independence in setting monetary policy.
The Bank is one of eight banks authorised to issue banknotes in the United Kingdom, has a monopoly on the issue of banknotes in England and Wales and regulates the issue of banknotes by commercial banks in Scotland and Northern Ireland.

The Bank's Monetary Policy Committee has a devolved responsibility for managing monetary policy. The Treasury has reserve powers to give orders to the committee "if they are required in the public interest and by extreme economic circumstances", but such orders must be endorsed by Parliament within 28 days. The Bank's Financial Policy Committee held its first meeting in June 2011 as a macroprudential regulator to oversee regulation of the UK's financial sector.

The Bank's headquarters have been in London's main financial district, the City of London, on Threadneedle Street, since 1734. It is sometimes known as The Old Lady of Threadneedle Street, a name taken from a satirical cartoon by James Gillray in 1797.The road junction outside is known as Bank junction.
As a regulator and central bank, the Bank of England has not offered consumer banking services for many years, but it still does manage some public-facing services such as exchanging superseded bank notes.Until 2016, the bank provided personal banking services as a privilege for employees

[Trump]

Deutsche Bank AG is out.

Bloomberg News reported the Frankfurt, Germany-based global investment bank and financial services company is no longer interested in buying Wirecard AG’s banking unit because it is too expensive, according to a source.

[Pak3000]

Jammu and Kashmir (union territory)

Jammu and Kashmir is a region administered by India as a union territory, and constituting the southern portion of the larger Kashmir region, which has been the subject of a dispute between India and Pakistan since 1947, and between India and China since 1962.The region of Jammu and Kashmir is separated by the Line of Control from the Pakistani-administered territories of Azad Kashmir and Gilgit-Baltistan in the west and north respectively. It lies to the north of the Indian states of Himachal Pradesh and Punjab and to the west of Ladakh, which is also subject to the dispute as a part of Kashmir, and administered by India as a union territory.
Provisions for the formation of the union territory of Jammu and Kashmir were contained within the Jammu and Kashmir Reorganisation Act, 2019, which was passed by both houses of the Parliament of India in August 2019. The act re-constituted the erstwhile state of Jammu and Kashmir as two union territories, 'Jammu and Kashmir' and 'Ladakh', with effect from 31 October 2019.

[B]History:

Jammu and Kashmir is named after the two regions it encompasses – the Jammu region and the Kashmir Valley.
The Government of Pakistan and Pakistani sources refer to Jammu and Kashmir as a part of "Indian-occupied Kashmir" ("IOK") or "Indian-held Kashmir" (IHK);The Government of India and Indian sources in turn, call the territory under Pakistan control "Pakistan-occupied Kashmir" ("POK") or "Pakistan-held Kashmir" ("PHK"). "Indian-administered Kashmir" and "Indian-controlled Kashmir" are often used by neutral sources.

[Gill1]

Central Bank of Iran

The Central Bank of Iran (CBI), also known as Bank Markazi, officially the Central Bank of the Islamic Republic of Iran is the central bank of Iran.
Established under the Iranian Banking and Monetary Act in 1960, it serves as the banker to the Iranian government and has the exclusive right of issuing banknote and coinage. CBI is tasked with maintaining the value of Iranian rial and supervision of banks and credit institutions. It acts as custodian of the National Jewels, as well as foreign exchange and gold reserves of Iran.It is also a founding member of the Asian Clearing Union, controls gold and capital flows overseas, represents Iran in the International Monetary Fund (IMF) and internationally concludes payment agreements between Iran and other countries.

History:

The first attempt at introducing paper currency in Iran occurred during the Mongol Ilkhanate of the 13th century CE. The innovation, developed in Song Dynasty China, did not take hold in Iran, and paper currency did not return to Iran in any significant manner for several centuries.
Imperial Bank of Persia, Tehran, 1902
In 1889, the British-owned Imperial Bank of Persia (Bānk-e Šāhī) was founded and it was given the exclusive right to issue bank notes in Iran. In 1890 it introduced the first bank notes in Iran, ranging from 1 to 1,000 tomans.The bank did not do much to strengthen the Iranian capital formation or support then-currency of Iran, qiran.

[Pak3000]

Bank of New Zealand

Introduction:

Bank of New Zealand (BNZ) is one of New Zealand's big four banks and has been operating in the country since the first office was opened in Auckland in October 1861 followed shortly after by the first branch in Dunedin in December 1861. The bank operates a variety of financial services covering retail, business and institutional banking and employs over 5,000 people in New Zealand. In 1992 the bank was purchased by the National Australia Bank and has since then operated as a subsidiary, but it retains local governance with a New Zealand board of directors.

History:
1861: The Bank of New Zealand formed as a private company and incorporated by The New Zealand Bank Act 1861 creating the company and authorising it to issue banknotes. First branch in New Zealand opened in Queen Street in Auckland and a Dunedin branch is opened shortly afterward.
1862: Wellington, Christchurch and London branches opened. Gained the banking account of the New Zealand Government from the Union Bank of Australia and became an agent to raise debt in the United Kingdom for the Government.
1894: The BNZ saved by Government legislation in June.
1895: The BNZ takes over the Colonial Bank of New Zealand which was in crisis.
1940: £1 million interest free loan as a war contribution to the Government. The 74 women in the company rise to more than 700 by 1945.
1943: Mobile branch opened in a caravan for American servicemen, Night banking introduced in Auckland and Wellington.
1944: Personal loans department opened. Government announces intention to nationalise the bank.
1945: Nash Government introduces the Bank of New Zealand Bill. Once passed the Government paid £7,933,000 in cash, transferable stock, and tax-free stock to the Bank's 8,500 shareholders for their shares. The average holding was 495 shares.
1966: First computer purchased an IBM 360/30 with a 16k memory; Databank Systems Ltd setup in 1967 with the National Bank of New Zealand; the other three trading banks join in 1968.
1978: Visa debit card introduced.

[Pak3000]

National Australia Bank

National Australia Bank (abbreviated NAB, branded nab) is one of the four largest financial institutions in Australia in terms of market capitalisation, earnings and customers.NAB was ranked 21st largest bank in the world measured by market capitalisation and 52nd largest bank in the world as measured by total assets in 2019.As of November 2014 NAB operated 1,590 branches and service centres; and 4,412 ATMs across Australia, New Zealand and Asia serving 12.7 million customers

History:

The Meeniyan National Bank of Australasia, now located at Old Gippstown in Moe
National Australia Bank was formed as National Commercial Banking Corporation of Australia Limited in 1982 by the merger of National Bank of Australasia and the Commercial Banking Company of Sydney. The resulting company was subsequently renamed National Australia Bank Limited.

The expanded financial base of the merged entity triggered significant offshore expansion over ensuing years. Representative offices were established in Beijing (1982), Chicago (branch 1982), Dallas (1983), Seoul (1983, upgraded to a branch in 1990), San Francisco (1984), Kuala Lumpur (1984), Athens (1984, closed 1989), Frankfurt (1985, closed 1992), Atlanta (1986), Bangkok (1986), Taipei (1986 upgraded to branch 1990), Shanghai (1988, closed 1990), Houston (1989) and New Delhi (1989).

In 1987, NAB bought Clydesdale Bank (Scotland) and Northern Bank (Northern Ireland and Republic of Ireland) from Midland Bank. It rebranded Northern Bank branches in the Republic of Ireland to National Irish Bank and changed both banks' logos from that of the Midland Bank. In 1990, NAB bought Yorkshire Bank (England and Wales).

[billyboy00007]

ड्यूश बैंक एजी एक जर्मन बहुराष्ट्रीय निवेश बैंक और वित्तीय सेवा कंपनी है जिसका मुख्यालय फ्रैंकफर्ट, जर्मनी में है और यह न्यूयॉर्क स्टॉक एक्सचेंज और फ्रैंकफर्ट स्टॉक एक्सचेंज में दोहरी-सूचीबद्ध है।

बैंक का नेटवर्क यूरोप, अमेरिका और एशिया में बड़ी उपस्थिति के साथ 58 देशों में फैला है। 2017-2018 तक, ड्यूश बैंक कुल संपत्ति के साथ दुनिया का 17 वां सबसे बड़ा बैंक था। सबसे बड़े जर्मन बैंकिंग संस्थान के रूप में, यह dax शेयर बाजार सूचकांक का एक घटक है।

कंपनी तीन प्रमुख डिवीजनों के साथ एक सार्वभौमिक बैंक है: निजी और वाणिज्यिक बैंक, कॉर्पोरेट और निवेश बैंक (cib), और परिसंपत्ति प्रबंधन (dws)। इसके निवेश बैंकिंग परिचालन में अक्सर पर्याप्त प्रवाह होता है।


डॉयचे बैंक की स्थापना बर्लिन में 1870 में विदेशी व्यापार के वित्तपोषण और जर्मन निर्यात को बढ़ावा देने के लिए एक विशेषज्ञ बैंक के रूप में की गई थी। बाद में इसने जर्मनी के उद्योग को विकसित करने में एक बड़ी भूमिका निभाई, क्योंकि इसका व्यवसाय मॉडल औद्योगिक ग्राहकों को वित्त प्रदान करने पर केंद्रित था। 22 जनवरी 1870 को बैंक की क़ानून को अपनाया गया और 10 मार्च 1870 को प्रशिया सरकार ने इसे बैंकिंग लाइसेंस प्रदान कर दिया। क़ानून ने विदेशी व्यापार पर बहुत तनाव डाला:
कंपनी का उद्देश्य जर्मनी, अन्य यूरोपीय देशों और विदेशी बाजारों के बीच व्यापार संबंधों को बढ़ावा देने और सुविधा प्रदान करने के लिए विशेष रूप से सभी प्रकार के बैंकिंग व्यवसाय को लेन-देन करना है।

संस्थापकों में से तीन जॉर्ज सीमेंस थे, जिनके पिता के चचेरे भाई ने सीमेंस और हल्सके की स्थापना की थी; एडेलबर्ट डेलब्रुक और लुडविग बम्बरबर। डॉयचे बैंक की स्थापना से पहले, जर्मन आयातकों और निर्यातक दुनिया के बाजारों में ब्रिटिश और फ्रांसीसी बैंकिंग संस्थानों पर निर्भर थे - एक गंभीर बाधा यह है कि जर्मन बिल अंतरराष्ट्रीय वाणिज्य में लगभग अज्ञात थे, आमतौर पर नापसंद और छूट की उच्च दर के अधीन अंग्रेजी या फ्रेंच बिल की तुलना में।

[zahid2016]

रेशम बैंक

परिचय :-

15 सितंबर, 2001 को स्टेट बैंक ऑफ पाकिस्तान (sbp) की देखरेख में, संस्था को तब प्रूडेंशियल बैंक के रूप में जाना जाता है, जिसे सऊदी पाक औद्योगिक और कृषि निवेश कंपनी (प्राइवेट) लिमिटेड (sapico) के प्रबंधन और सहयोगियों द्वारा अधिगृहीत किया गया था। ।
31 मार्च, 2008 को, एक कंसोर्टियम, जिसमें आईएफसी, बैंक मस्कट, नोमुरा इंटरनेशनल और सीनथोस कैपिटल शामिल थे, के नेतृत्व में वरिष्ठ बैंकरों श्री शौकत तरिन और श्री सादिक सईद ने सिल्कबैंक में 86.55% की हिस्सेदारी लगभग 213 मिलियन डॉलर या 0.47 डॉलर प्रति शेयर (pkr 29.3) हासिल की। प्रति शेयर बराबर)। नए नेतृत्व के तहत, बैंक एसएमई और उपभोक्ता वित्तपोषण पर ध्यान केंद्रित करना जारी रखेगा, जिसके परिणामस्वरूप लाभप्रदता के प्रयास बढ़ेंगे।

मिशन

प्रीमियर बैंकिंग में अग्रणी होने के लिए, पहुंच, सेवा और नवाचार के लिए ग्राहकों द्वारा विश्वसनीय; सभी हितधारक के लिए मूल्य बनाने के विकल्प का नियोक्ता बनें।

मान
सिल्कबैंक पाकिस्तान के विकास के प्रति प्रतिबद्धता के साथ एक ईमानदार और जिम्मेदार कॉर्पोरेट नागरिक होने का गर्व करता है। सिल्कबैंक में हमारे कर्मचारियों को समाज को वापस देने के लिए प्रोत्साहित किया जाता है और हमने अपने देश के अविकसित खंडों में स्वास्थ्य सेवा, शिक्षा और रचनात्मक, चरित्र निर्माण खेल गतिविधियों के विकास के लिए ठोस प्रयास किए हैं।

बुनियादी मूल्य

ग्राहक केंद्रित
अखंडता
टीम वर्क
रचनात्मकता
प्रतिभा
विनम्रता

[Aleena]

Everyone wants something easy and practical. So that there are many new findings that can make it easier for all of us, one of the examples is the existence of banks. Having a bank certainly makes it easier for us to make financial transactions, such as saving money. Saving or saving money at home, of course, there are some risks that will be experienced, such as when a fire occurs, when you don't have time to save all the money you have, the money will burn out, not to mention if there are robbers and so on. By saving in the bank, your money will remain safe from this risk, you can use it whenever or want to save it until you really need it.

When you have a savings account, you can save it at any time through a bank teller or non-cash ATM. In addition, you can take the money at any time by using an ATM card when you need it. If you want to buy goods or send money, you can easily transfer them anytime, anywhere. The money saved can be increased according to the provisions of each bank. If you save at a Conventional Bank you will receive interest according to the prevailing interest rate and your savings balance, if you save at a Sharia bank you will receive profit sharing at the agreed ratio. Of course, if the more balance you have in your savings, the more benefits you will get.