Analysis of HSBC Essay Example

Analysis of HSBC Essay Example Analysis of HSBC Essay Analysis of HSBC Essay Every organization must interact with its internal and external environment in its day to day operations. The nature of these interactions to a great extent determines the survival of any organization. That is why every organization has to understand what is going on within and around it. These bring into focus how economic, political, legal, technological, environmental and social forces affect HSBC. While battling with these external forces, there are other internal forces which are inherent in the banking sector that affect HSBC. In view of these, the bank has some competitive advantages which have enabled it to compete favourably with other players in the industry. However, the tool used to scan the environment of HSBC to determine its success within the environment has some limitations. These limitations are equally x- rayed in the work. It is a known fact that every organization must interact with is external environment during the course of their business. Economic factors are basically those factors that relate the organization of money and resources within HSBC especially in terms of the production, distribution and consumption of their financial services. This will be discussed under sub headings like GNP trends, interest rate, money supply, inflation, unemployment, disposable, income. GNP Trends Gross National Product (GNP) is the total value of all final goods and services produced within a nation in a particular year, plus income earned by its citizens (including income of those located abroad, minus income of non resident located in that country). The UK economy grew at its fastest rate for two years in the third quarter of 2006. It grew by 0.7% between July and September. This takes the annual growth rate up to 2.8%. It will further increase following the announcement of 5% interest rate by the Bank of England. This will make borrowing more expensive, and less attractive to investors who would refrain from borrowing for investment purposes. HSBC may probably advance less credit causing its profit to dwindle and shareholders earning would equally be reduced. Money supply This is simply the total amount of money circulating in the economy (Anderton, A. 2006). In the UK, there are two types of money supply which are namely narrow and broad money with narrow money acting as a medium of exchange while broad is narrow plus near monies. Money supply is important because it has a link with inflation. This is illustrated as Velocity * Money supply = real GNP * GNP deflator. In other words, if the quantity of money in circulation grows faster than the real GNP described as unproductive expansion, inflation is most likely to follow. It will affect HSBC because lending becomes very expensive. The bank will lose earnings because activities will be reduced. Interest rate Interest rate is the yearly price charged by a lender to a borrower in order for the borrower to obtain a loan. This is usually expressed as a percentage of the total amount loaned. This rate has enormous consequences on the activities of HSBC. In July 2006, the interest rate was 4.5%, 4.75% in august and now 5.0%. This caused inflation to edge up to 2.5% as against 2.4% in the months before august. The rate at which customers acquired banking services improved tremendously. It is obvious that a fall in the interest rate leads to an increase in investment expenditure whereas a rise in the interest rate leads to a decrease in investment expenditure. This is the direct consequence of the current 5.0% regime. HSBC earnings will be affected because borrowing for investment expenditure will definitely decline. It will choke off economic growth; increase the cost of debt, causing widespread problems for individual. People will overestimate risky investment and reassess risk. The beneficiaries will be savers. Thus, cause people to save. Exchange rate This is the rate at which a countrys currency exchanges with other currencies in the world. The GBP has been relatively stable against the dollar. Exchange rate depreciation does affect HSBC directly or indirectly. It can affect the structure of HSBC assets and liabilities denominated in foreign currencies, and its off balance sheet exposure and non asset based services. It can indirectly affect demand for loans, the extent of the banks competitive edge and other banking condition. It can affect domestic firms, increase credit risk and liquidity risk. Inflation and unemployment Inflation is an increase in the price of a basket of goods and services that is representative of the economy as a whole. Inflationary trends and unemployment do affect HSBC negatively. Employment laws This is a body of laws, administrative rulings, and precedents which addresses the legal rights of, and restrictions on workers and their organizations. In employment laws, there are issues that affect the smooth operational running of HSBC. These are namely strikes, pickets, boycotts, unofficial industrial actions, trade unions and other members. Their overall effect could be enormous on HSBC and the economy in general. Minimum wage Wages paid out is part of operational cost of HSBC. Recently, the minimum wage in the UK was increased from à ¯Ã‚ ¿Ã‚ ½5.05 to à ¯Ã‚ ¿Ã‚ ½5.35 for adults aged 22 and over. It equally increased for other age categories. The consequences are that the operational cost will be on the increase, efficiency may probably reduce, and the net profit of the bank will decline. This will affect the expectations of the shareholders as dividends will drop On the other hand, employees will have more money for their consumption. It will further cause the countrys productivity level to move up as more goods will be needed. Work and families bill This bill will be birthed soon. It concerns balancing work and good parentage. The law will make it lawful for maternity leave to be extended to nine months. In addition, paternity leave will soon be a reality. It means HSBC will be paying out extra three months salaries for mothers on maternity leave. This extra expenditure is unproductive and reduces HSBC efficiency. Age discrimination The current issue now is age discrimination at work. The bank can not discriminate on age with regard to employment. It is most true that younger people are more productive, proactive, dynamic and resourceful than older people. This law will cause the bank to employ both young and old people. The effect might be that zeal. Dynamism, and approach to work which have established the bank as a leader in Uk may be eroded. Taxation The most contemporary issue is the warming issued by HSBC that it could move its headquarters out of London as a result of huge corporation tax which is at 30% of profit. This is high and outrageous. The percentage compares favourably with other G7 nations e.g. France 34%, Japan 40% but not with other Europeans countries like Ireland at 12.5%. The tax reduces the profits of HSBC. The investors, shareholders of the bank receive lower dividend as a result of the tax. If HSBC pulls out of the UK, which generated which is committed to social services will decline. Moreover, investment will probably be discouraged because investors want ventures where their investment will be maximized. Taxation raises the banks cost of loans which discourage entrepreneurs away from information intensive financing and into unmonitored financing. It reduces the supply of deposits. In banking and financial markets, the technologies have primarily affected the velocity and volume of transactions. Both domestic and foreign transfers and other banking services have surged and the rate at which they are done has increased. This is as a result of emerging technology advances. In online transactions, where one makes a payment using debit and credits, it takes about 48 hours for the payment to be cleared. But, from January 2007, an emerging technology will complete the clearance in just minutes. Government involvement in researches to further develop the sector is another issue. One of the distinct differences between technological innovation in the UK financial service industry and that in foreign nations is the level of government subsidy of technical developments that affect the financial service industry. For example, the smart card, the applications and functions was developed by the French Ministry of Post and Telecommunications (PTT). The government of UK should be more participative. The sector does not encourage obsoleteness due to the nature of the industry combined with the activities of hackers who are out there to ruin the banks. The banks waste disposal and energy consumption contributing to environmental hazards is under control. Their position is threatened by the green law which is in force. Environmental laws affect the bank. Income distribution contributes to the services to be offered by the bank. Higher income redistribution will ensure better businesses and vice versa. The age, income, sex and population has a way of affecting the activities of HSBC. The level of education or enlightenment informs people about the products and services of banks. The level will affect their willingness to transact or not to transact. Competitive Rivalry This describes the intensity of competition between existing firms in an industry. It is true that highly competitive industries generally earn low returns because the cost of competition is high. In the banking industry which is the focus of discussion, competition brings about HSBC offering customers the most attractive combination of performance features, introducing new products, or creating a stronger brand image than competitors like Barclays, TSB Lloyds, RBS, and NatWest etc. The industry is not dominated by two or three banks that are battling to achieve market leader status, and the rules of the game are well established. In this case, the rivalry is not so intense. However, Customers can easily switch between some products. Intense rivalry is likely when customers in the banking industry can easily switch to other banks. In these situations, the banks will be vying for market share. The market for banks is not growing too fast. The banks are unable to grow their market without taking market away from other competing banks. In this situation, rivalry is more likely. There is no exit barrier in the industry which will make rivalry intense. The brand identity brings about intense rivalry as other competing banks will be forced to outperform their rivals by adopting active strategies. Their products are basically the homogenous. This will most likely make rivalry intense.

What do you understand by the phrase 'moral panic' Please Essay

Moral Panic - Essay Example This paper illustrates that yo perfectly understand a moral panic, it is essential to have efficient knowledge of what morals are and what panic is, with this, it shall be clear as to how and why the term moral panic came to being, therefore, the topics of discussion in this essay will be morals, panics, moral panic, and how the media is said to be responsible for creating moral panic. Butts explains that the concept of morality is borrowed from the Latin word, denoted as â€Å"moral†. He further goes on to denote that it means a message or lesson that is learned, through an outcome of a given event or a narration. It majorly concerns or relates to what is considered right or wrong in society. Morals are passed from one individual to another is society through socialization which is one of the key functions of the various institutions that exists in society namely the family, religion, the school and many more. These institutions majorly use literature among the very many medi a that exists to pass down morals from one generation to another. This is normally done through the use of literature that explains fictional stories such as Goosebumps. These stories served as an avenue of entertainment but also as a source of morals because they informed, improved, and instructed their readership or audience, for example, the novels by Dickens Charles, over the years have been a great source of morality. This is because Charles Dickens has extensively written on the various social and economic ills that face the society. Charles Dickens, in his book, David Copperfield talks extensively on the economic and social ills of the society. Panic, on the other hand, is the sudden feeling of fear that is usually very great at particular instances that it replaces reasonable thinking with overwhelming agitation as well as anxiety. Panic might be experienced by an individual or get experienced by a group of people all at once at times referred to as panic of the mass or mass panic.

Elizabeth Cady Stanton on Black suffrage Essay Example | Topics and Well Written Essays - 500 words

Elizabeth Cady Stanton on Black suffrage - Essay Example Stanton served as the president of the National American Woman Suffrage Association. Elizabeth worked closely with Susan B. Anthony, Frederick Douglass (a former slave), her husband Henry Stanton and cousin Gerrit Smith. Lucretia Mott (1840) she was a great admirer of feminist, she was so angry when she couldn't see Mott speak because women were supposed to sit away from the view of men and for this reason Elizabeth Drafted a declaration of Sentiments Elizabeth Cady Stanton ones said, "The prejudice against color, of which we hear so much, is no stronger than that against sex. It is produced by the same cause, and manifested very much in the same way". Men have made women submit to law in which women have no voice, men have deprived women their rights as citizens, women rights to property have been deprived and that men have the monopoly to nearly all the profitable employments. Elizabeth can therefore be seen as a woman who has pioneered in the fight against women oppression. Although she fought for women rights to vote she died 20 years before women were granted this rights. She was an intelligent courageous and hardworking woman in that she dared give a speech in front of the committee of judiciary of the United States. Elizabeth died in October 26, 1902. Frederick Douglass served as a marshal of the District of Columbia and as consul general to the republic of Hai

Despite Their Cultural Differences Essay Example for Free

Despite Their Cultural Differences Essay Despite Their Cultural Differences, Do Jeanette From Oranges Are Not The Only Fruit Celie From The Colour Purple Both Share The Same Struggle?  The cultural differences of the two characters are numerous and the implications far reaching. The austere but comfortable working class security of Oranges Are Not the Only Fruit, contrasts greatly with the urban squalor of The Colour Purple. Even though there is such a massive social divide the two women share many similar struggles. Both women are struggling against the imposition and enforcement of belief systems and intolerant judgements upon them. In Jeanettes life her mother mainly imposes her controlling and stifling religious views upon her. She feels press ganged to the extent that I had been brought in to join her in a tag match against the Rest of the World. The entirety of Jeanettes early life is a moulding process, where she is forced to endure the influence of enemies including The Devil (in his many forms), Next Door, Sex (in its many forms), and slugs. Celies initial struggle takes on a much more chilling and darker tone. Her perspective comes from her being made to accept the role of a victim. Her stepfather tears away her basic human rights as he abuses her, He start to choke me, saying you better shut up and git used to it. It is a constant challenge to achieve the recognition by others that she has nothing in her present, miserable existence.  Why dont you look decent? Put on something! But what Im sposed to put on? I dont have nothing. One challenge faced by Celie is how to access a decent education, and further her basic skills. As she is seen as little more than a servant, her family believes that there is little need for her to further herself and grow.  The first time I got big Pa, took me out of school, He never care that I love it. In the initial section of Colour Purple, the writing skills of Celie are very poor and reflect the poor education she has received. The entire opening diary entries are littered with colloquialisms and miss spellings, Left me to see after the others. He never have a kine word to say to me. This often leads to the impression that the words of Celie are coming from an intelligent mind that does not quite have the tools to express itself properly. Later on in the novel, influenced by reading her sisters letters and her own determination to succeed, she develops a much more fluid and sharper style, Even thought you had the trees with you, the whole Earth. The stars. But look at you. When Shug left, happiness desert. It is still not writing of an educated woman, but a woman who is beginning to analyse her situation. The struggle of Jeanettes education is never one that is based on literary or language deficiencies. From a young age she is encouraged to have a firm grasp of The Bible. Jeanettes initial keeping away from school limits her to her mother for a source of information. This leads to Jeanette having a bizarre view on the world from a young age.  My favourite was Number 16, the Buzule of Carpathian.  As Celie has been at the mercy of such extreme sexist views for the beginning of her life, and Jeanette at the mercy of religious ones, they both struggle not pass their misguided views on to others. When Celie is not successful in refraining from doing so, it has a profound impact upon Sofia. The insecurity and inadequacy of Celie forces her to offer advice to Harpo, which leads to domestic violence. Celie has become so use to ritualised violence that the promotion of it actually becomes a strange form of advice. Only the pathetic nature of her advice saves her friendship with Sofia. She stood their a long time, like what I said took the wind out of her sails. She mad before sad now.  Jeanette struggles not to pass on her misguided and often inappropriate religious views while at school. Her teachers are alarmed by religious maturity and obsessive views, Thats not the point you have been talking about Hell to young minds. Her unintentional preaching of her mothers dogma scares the children, and marks her out for abuse, And why, and this is perhaps more serious, do you terrorize, yes, terrorize the other children. This criticism eventually leads to the developing of awareness that she not teach her mothers dogma.

To Age or not to Age :: Essays

To Age or not to Age (1) In â€Å"Dr. Heidegger’s Experiment," Nathaniel Hawthorne expresses [Diction] that if given the chance to regain your youth, some would not have learned from their past mistakes, to change the way would live their life again. In â€Å"Dr Heidegger’s Experiment† Hawthorne uses his characters to describe how life experiences should have an impression in our lives. (2) Dr Heidegger was an old scientist, who has a very strange way of presenting himself. He works by himself in his study. Which many find to be a â€Å"very curious place.†(Pg. 578) [Frag -1] In his study there is a picture of a women [Hostage 50] who once was his lover. She was going to be the one that he was going to marry, but she had been affected with a disorder and had taken some of the pills he prescribed and died. â€Å"She had swallowed one of her lovers prescription’s and died on the bridal evening.†(Pg. 579) It is thought that Dr. Heidegger might have had something to do with her death, but it was unknown. â€Å"The greatest curiosity of the study remains to be mentioned.†(Pg. 579) [Why was this uotation included?] The doctor had an experiment that would turn back the hands of time, but he would not have any part of it, he just wanted to observe. [How is this paragraph related to the thesis?] (3) Dr. Heidegger called on four of his friends to help him with his experiment. [This topic sentence suggests a plot summary.] Mr. Medbourne who was a prosperous merchant in his early day (Pg. 579), Colonel Killigrew wasted his years on sinful pleasures (Pg. 579), Mr. Guscoigne was a ruined politician (Pg. 579), and Widow Wycherly was a beauty in her younger day, but had been isolated from society (Pg. 579). All of the friends had lived a life of relationships with all three men, [homosexual?] which almost caused them to kill each other over her, â€Å"had once been on the point of cutting each other's throats for her sake.†(Pg. 579) [This quotation is inaccurate.] This is what caused for her to be an outcast with the town. â€Å"scandalous stories which had prejudiced the gentry of the town against her.†(Pg. 579) [Frag - 1] When asked to participate in the experiment, they were all a little skeptical.

Human Arrangements Essay

The increase of poverty in the recent years is one of the major problems which the United States has to face. As the survey shows, the highest poverty rates in the United States were witnessed during the years of recession, for example 1960, 1975, 1983 and others. However, the poverty rates increased dramatically through 2001-2003. In 2002, the number of people in poverty reached 34. 4 million, which is 12. 1% of the population. The poverty rate was at its lowest level between 1970-1980 years, but since that time it never decreased until that level. In the last years, it was the lowest in 2000 (at the level of 11%) but since that time it kept increasing annually. In 2003, poverty rate reached 12. 5% which is 0. 4% higher than in 2002. The dynamics of poverty in the United States also shows that the most vulnerable members of the society are people under the age of 18 (17% of them are in poverty). Citizens aged 18-64 have had the lowest poverty rates up to 2002, when the level of poverty rates of seniors (aged 65 and older) reached their level. According to the regional characteristic, states in which poverty rates increased the most included Florida, Illinois, Utah, South Carolina and others. It is also necessary to analyze the dynamics of poverty rates among different races. According to the survey, poverty rates increased greatly among all of the races present in the United States. At the same time, the income level of White, Asian and Black households remained unchanged while the income of Hispanic households experienced some decrease. Among these groups, Black households have the lowest level of income and thus have the highest poverty rates among the groups in the society. In 2003, the median income of Black families reached only $30,000 which was only 62% of the $48,000 income of White households (non-Hispanic origin). The group with the highest income level, and thus the smallest number of people below the poverty line was Asians. Their average income reached $55,000 in 2003. It is possible to conclude that among all of the groups, Blacks are experiencing the most problems with obtaining income. Asian households receive almost the double income of what Black households receive. Due to the fact that poverty rates are increasing with years, it means that Black citizens are going to become more and more vulnerable in the society. In 2003, 24. 4% of Black people were below the poverty line, and the percentage has increasing by 2005. For comparison, only 11% of Asian people were below the poverty line in 2003. There are many reasons why the poverty rate among Blacks has changed the most during the recent years. First, due to discrimination, many Black people are still unable to get high-paying jobs which people of other origins get easily. The experience of New Orleans shows that despite the hopes of African Americans hat discrimination would be reduces with time, this process is very slow. Most of the people affected by hurricane in New Orleans lost their houses and jobs, and it will be very difficult for them to achieve their previous level of income in the following years. Unfortunately, the government did not take any measures to assist the people whose houses were devastated by the hurricane. Situation with New Orleans is only one of the examples of how discrimination occurs in the United States and Black population is unable to reach the same income level as other races. Another reason of high poverty rate among Blacks is their inability to enter prestigious establishments of higher learning. Due to the low income level of their families in comparison with other races, they are often unable to obtain good education which would lead them to high-paying jobs. At the same time, it is necessary to mark that due to the introduction of Civil Rights legislation, the poverty level of Blacks in the recent years is much lower than it was before the adoption of legislation. Even though the poverty rate has been increasing during the last years, the average rate is much lower than it was in the 50s. Despite the fact that Blacks are still experiencing some sort of discrimination, it is much less noticeable as it was before the adoption of Civil Rights legislation. Owing to the legislation, they finally got an opportunity to have the same rights as white people and thus the overall poverty level among Blacks declined dramatically in comparison with previous decades. Bibliography. 1. Poverty in the United States- 2002. Issued September 2003. Available at URL: http://www.census.gov/prod/www/abs/popula.html 2. Income, Poverty and Health Insurance Coverage in the United States 2003. Issued August 2004. Available at URL: http://www. census. gov/prod/www/abs/income. html.

Client Centered Therapy Or Person Centred Therapy

1. Describe the major views of the model. This model is called client-centered therapy or person-centered therapy. It can also be known as Person-centered Psychotherapy, Person-centered counseling or Rogerian Psychotherapy. The basis of Rogers’s therapy is designed and wrapped around the client. The focus by its name is the client. Rather than suggesting the person is a counselee or a patient they have chosen the word client to make it less clinical and more relational in how the person possibly could feel about getting the help they need. Rogers would say that people have within them the ability to grow and change and become different and happier well-rounded people and that is the goal . The help they need is inside of themselves.†¦show more content†¦This helps to make the sessions more relational rather than clinical as they had been in years previous to Rogers therapy. The third Core Condition: Unconditional Positive Regard (UPR). As a CR gives â€Å"unconditional positive regard† the client’s â€Å"self-esteem and self-actualization† is positively influenced helping them deal better with their personal struggles around and within them. With UPR the CR does not push or ask questions that might upset or disturb the client. There is no criticism and the client is then free to share, express and talk about their struggles in a non-judgemental and pleasant and safe environment. By accepting the client unconditionally they can then see how their self-worth has been negatively affected by the actions and words of others, or distorted by others. â€Å"The purpose is to help clients reconnect with their inner values and sense of self-worth.† Rogers believed that by using the core conditions of empathy, congruence, and UPR, the client would feel safe enough to access their own potential. They would be able to move towards self-actualization, as Maslow called it, to be able to find the answers in themselves. 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