巴基斯坦最大的银行MCB分析报告 [4]
论文作者:英语论文论文属性:报告 Report登出时间:2014-09-11编辑:zcm84984点击率:12468
论文字数:5373论文编号:org201409082133419152语种:英语 English地区:加拿大价格:免费论文
关键词:巴基斯坦银行MCB Bank金融服务留学生金融论文report分析报告
摘要:本文是一篇分析巴基斯坦的最大银行MCB的分析报告report,MCB在巴基斯坦50多年前被建立起来,他分布超过1026个网点,是一个十分强大的银行体系,在2005年MCB是巴基斯坦的唯一一个成为高质金融服务的更好的供应商的银行。
cting the banking system of Pakistan.
The pitiable economy of Pakistan and instable government is adversely affecting MCB and its different departments; recently MCB has redundant many of its employees. The economy of our Pakistan is very poor. Due to poor economy businesses are showing low profits and Pakistan stock market is in great danger. Pakistan's foreign debts are rising day by day, so such a situation is a huge challenge for MCB to survive. Due to financial crisis in Pakistan the management of MCB has to face stressful situations and also working environment. At present the MCB is not extending loans but recovering the existing ones.
Social
MCB has been influenced by the socio-cultural factors. At present most of the European countries are keeping their eyes on Pakistan as being the terrorist country, so people of Pakistan are emotionally getting affected by it. Most of the foreign investments have been stopped in Pakistan. Pakistani people are traditionalists who do not like the modern banking environment of MCB. Some of the customers do not use ATMs they still prefer cash counters, so these kinds of socio-cultural factors affect the banking environment and its operations.
Technological
Technology has a deep influence on different kinds of organizations whether banks or any kind social welfare organizations. In MCB technology has great effect on the working environment. Mostly all banks use computers none of the banks keep data manually so the bank has to be continuously in touch with the modern ways of task performance. MCB is always ahead to introduce new computer systems for keeping its staff up to date. The intranet facility is playing an important role in enhancing the knowledge of staff. Due to technology that bank staff keeps in touch with the customers through e - mail; ATMs and online banking is only possible due to technology. In this way technology is playing its key role in and is helping management to further improve its functions.
Conclusion:
Overall we can say that MCB is influenced by the economic position of Pakistan, which has stopped it from extending loans to the customers. After that the policies of MCB are also affecting its performance and free functioning. Social and technological issues are of secondary importance but they also cannot be neglected. MCB is focusing positively regarding technological issues but it should also keep its eye on the social cultural factors also.
Porters Five Forces Analysis
For further analysis of MCB environment, Porters Five Forces Analysis is also applied on the bank. This analysis takes in to consideration the following factors:
Substitutes
Substitution of one product with another one increases the competition within an industry. However, the perfect substitutes of banks are not available in the market at present, but people still have choices of saving or investing their money. The people can save their money in their own houses or they can deposit their money in the National Saving Centers (Banking Intermediaries) which give protection to their assets. Aside from saving one can invest money in stock market in form of shares / bonds or in real estate. These kinds of substitutes increase the competition in the banking sector.
Competition
There is tough competition between differe
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