Business Cycles Macro Economic Conditions And Its Impact...

Economics for Business Essay Question Lecture Name - Maruf Mostafa Student Name - Wastu Kankanamalage Gayani Chathurangi Maithripala Student ID – 11621711 Word Count – 1000 Introduction This essay will mainly focus, discussing business cycles in macro-economic conditions and their impact towards the country. The first part of the essay will describe different economic conditions within the macro-economic such as an economy boom and recession. The argument will bring out some definitions to provide more depth to the discussion. The latter part of the essay will illustrate the aggregate demand and aggregate supply model to demonstrate the relationship between gross domestic product (GDP) and the price level by using different†¦show more content†¦The positive swings or the high growth in the economic activities is called contractions and the down swings and declining growth in the economic activities is called a recession. According to the National Bureau of Economic Research, Recession is a critical decline in economic activity over the period of time and it will be evident through economic performance activities such as GDP, income, employment, industrial production, and wholesale-retail sales. (National Bureau of Economic Research) Aggregate demand and Aggregate supply Model The aggregate demand and aggregate supply models are related to describe macroeconomics and referred to as the AS/AD model. This model is a useful tool to evaluate the gross domestic product (GDP) against the price level and the AS/AD model is used in this discussion to explain business cycles including, recession, stable economy and contractions (Hess, P. N. 2013) The supply curve (AS) curve refers to the quantity of output supplied by the business sector to the price of output while the demand curve (AD curve) refers to the quantity of output demanded by the various sectors of the economy. (DeLong, J. B. 2003) The quantity of real GDP is calculated based on three key inputs such as labour (L), capital (K) and technology (T) within the economy (Hubbard 2012) There are twoShow MoreRelatedMarketing Micro and Macro Environmental Factors1669 Words   |  7 PagesMacro and micro environments both fall into the categories of environmental scanning. The general scope of environmental scanning is that it is a component of global environmental analysis. While analyses are typically carried out on the macro environment, the micro environment still has an important role to play. In summary, the macro environment is involved with the industries, companies, markets, clients and competitors, while the micro environment can be represented by the suppliers, competitorsRead MoreMacro Economy Elements1258 Words   |  6 Pages1.0 MACRO ENVIRONMENT ELEMENTS There are many factors in the macro-environment that will effect the decisions of the managers of any organization. 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AIMS AND OBJECTIVES The essay is fo â€Æ' ENGLAND S MIXED ECONOMY With mixed economy there is always a variation to the degree of government intervention in different countries. In England, where the mixed economy isRead MoreThe Challenges Of Emerging Markets1590 Words   |  7 Pagesinto a very well chosen destination for a firm operating well in their own country which is looking for expansion. Developed markets usually hint at the considerations to per capita income. Limited growth opportunity and emerging market economies usually expect an availability of a larger amount of growth opportunity. In saying that, to maximize shareholders return and business enjoy showing their strength in their own country, companies showing interest in saturated markets may consider the need toRead MoreEnvironmental Analysis And Market Research1704 Words   |  7 PagesAnalysis and Market Research Macro environment analysis is the process of reviewing all the factors that the company itself is unable to control. In the business environment macro environment analysis is performed in order to be up-to-date issues that the business can face upcoming coming years. Macro environment analysis is normally done through PESTLE analysis which includes political, economic, social, technological, environmental and legal aspects of a business environment. The main purposeRead MoreThe Limits to Macroeconomic Policy Essay1255 Words   |  6 Pagesadvancements have made it easier than ever for monies to traverse national borders quickly and efficiently. This capability facilitates inflows and outflows of capital in response to signals. Not all of these signals are economic yet the effects can have a devastating impact. Assessment Economic crisis has precipitated many changes throughout the course of history. Whether it is the great depression of the 1930’s, the Latin Debt crisis in the early 1980’s or more recently the financial collapse of the URead MoreIntroduction And Literature Review : The Decline Of Economic Conditions881 Words   |  4 Pages1. Introduction Literature review The early 2000s recession was a drastic decline in economic conditions, which mainly occurred in the developed countries. From 2001, the Federal Reserve initiated a move to quell the stock market, caused successive inflation in interest rate, thus â€Å"plunging the country into† the worldwide economic recession (Ruddy, 2006). The annual GDP growth rate dropped below 1% along with the significant downturn in U.S. housing and the stock market. From 2002, the economyRead MoreJextra3574 Words   |  15 Pagesability to evaluate the elements of the macro environment and its relation to an organisation. Select an organisation which you are familiar with. Explain the elements of its macro environment and discuss how these element(s) affect your selected organisation. Recommend improvements that can be made by the organisation in managing the macro environment effectively. Criteria Description on the selected organisation Description on the general macro environment elements Identification

Lifting Veils From The Faces Of Marriage - 1383 Words

Lifting Veils From the Faces of Marriage Both Sophocles and Henrik Ibsen have spun tales of marriage with deep complexities woven in. Each having crucial elements that are veiled from a spouse. Sophocles Oedipus the King and Ibsen’s A Doll’s House provide readers with similar elements in the two plays. Oedipus the King and A Doll’s House demonstrate a strong example of dramatic irony, providing the reader with a more detailed and comprehensive look into the characters and situations, more than some know themselves. Attention will be focused on these two pieces addressing the comparison and similarities of these marriages, and what they entail. Specifically common shared elements including, honesty and truth, naivety, parental effects on a characters psyche, and the final outcome of each relationship. Spanning a nearly two thousand year gap in origin, both Sophocles and Ibsen allow readers to see that marriage has endured the same struggles throughout history. T ruth was and still is a major factor in the health and stability of a relationship. The marriage of Oedipus and Jocasta shares a similar flaw with that of Nora and Torvald, when it comes to honesty and trust. Each including vital aspects that at a point only the wife is privy too. When truth of the relations between Oedipus and Jocasta is nearing exposure, she as both mother and wife want to shield him from this trauma,pleading â€Å" No, please-for your sake-I want the best for you†¦You’re doomed-may you neverShow MoreRelated Islamic Versus Christian Marriage Essay1500 Words   |  6 Pagesthe topic of religion in marriage. Specifically it will discuss whether Islamic marriage is better or worse for women than Christian marriage. After study of these two religions, it becomes quite clear Islamic marriage is much worse for women than Christian marriage. 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The Life and Inventions of Thomas Edison Free Essays

Thomas Edison was born in 1847 on February 11th in Milan, Ohio to middle class parents and died on October 18, 1931, in West Orange, New Jersey. In 1854, his family moved to the vibrant city of Port Huron, Michigan, which ultimately exceeded the commercial excellence of both Milan and Odessa which were the two places Edison had lived. One of the many inventions established by Edison was the tin foil phonograph. We will write a custom essay sample on The Life and Inventions of Thomas Edison or any similar topic only for you Order Now When Edison was working on his invention he noticed that the tape of the machine sprang off a noise resembling spoken words when worked at a high speed. The machine had 2 needles in it one was used for recordings and the other for playbacks, the machine plays cylinders rather than disks. At around the age of 12, Edison started to lose his hearing. What caused this to happen was a train conductor smacked him in the ears when he started a fire in a boxcar whilst doing experiments. Edison was an inquisitive child but also a poor student as his mind often wandered. Edison was the youngest of 7 siblings. One day when Edison was at school his school teacher screamed at him and said that he was rather addled. When his mother found out that someone had discovered him as a scientist his mother was very furious and pulled him out of school and she hmoe schooled him instead. * THOMAS EDISON’S INVENTIONS. 2013. THOMAS EDISON’S INVENTIONS. [ONLINE] Available at: http://www. thomasedison. com/Inventions. htm. [Accessed 17 March 2013]. * Thomas Edison Biography – Facts, Birthday, Life Story – Biography. com . 2013. Thomas Edison Biography – Facts, Birthday, Life Story – Biography. com . [ONLINE] Available at: http://www. biography. com/people/thomas-edison-9284349. [Accessed 17 March 2013]. * Thomas Edison – The Inventions of Thomas Edison. 2013. Thomas Edison – The Inventions of Thomas Edison. [ONLINE] Available at: http://inventors. about. com/library/inventors/bledison. htm. [Accessed 18 March 2013]. * Edison Biography. 2013. Edison Biography. [ONLINE] Available at: http://www. thomasedison. com/biography. html. [Accessed 21 March 2013]. How to cite The Life and Inventions of Thomas Edison, Essay examples

Business Strategy for Commonwealth Bank - myassignmenthelp.com

Question: Discuss about theBusiness Strategy for Commonwealth Bank of Australia. Answer: Assessment of Commonwealth Banks strategy The assessment of Commonwealth bank of Australia can be done through a thorough comparison of the internal and the external fit of the company (Sia, Soh and Weill 2016). The potentiality of the business of the organization can be analyzed only through a proper assessment of the same. However, this study would not be considering the factors like the organizational structure, the organizational credentials and matters and the functional department of the company in order to analyze the assessment of the company. In this particular context it would be apt to assert that Commonwealth bank has a total of 51,800 employees as recorded in 2017. Considering its revenue, net income and total assets, its a$26.005 Billion, A$9.881 Billion and A$976.374 Billion respectively. Moreover, it has a total equity of A$63.716 billion (commbank.com.au). Mission Statement of the company The organization has an excellent base of loyal customers and all the credit goes to the way it has been able to adhere to its mission since the tie it has been established. The initiatives and policies that are undertaken by the bank are extensive in nature and all the commitments made to its customers are properly delivered and fulfilled in time. The companys mission is targeted at not only selling its policies and insurances, but at the same time it also supports its customers by providing financial advices. At times, these advices are provided free of cost. Generic Strategy Generic strategy is essentially a concept that was discussed by Porter, focusing o three main strategies (Travostino et al. 2015). These are overall cost leadership, differentiation and focus. It can be explained an a practice where sales that are low in cost will definitely need its products to be sold in large quantities. Differentiation part will be excluded in this context and at the same time the focus of the organization will be wither narrow or broad, that is, either it will have specific target customers or the organization will have customers in general (Dalal-Clayton and Sadler 2014). An assessment of Commonwealth bank can be made with the application of Porters generic strategy. Common wealth Bank has placed itself as cost leader. However, the range of products are limited as compared to its competitors like National bank Australia, ANZ and Westpac. The focus of the organization is narrow (Kemper and Kalafut 2014). Business model of Commonwealth Bank Key Partners Communities related to financial services Companies selling and distributing credit cards Investors Subsidiaries Regulatory agencies Jinan City commercial bank Hangzhou City commercial bank are the two Chinese banks that the organization deals with strategic cooperation agreements ATM service desk (Armguards) Aussie home loans and Wizard home loans are into joint partnership with the organization Key Activities Manufacturing credit cards Transaction and savings ad current accounts Risk assessment Customer service Intermediation related to financial services Investment plans Customer acquisitions Loans Governance and aid related to corporate services Savings and transaction accounts Balancing Value Proposition Commonwealth bank is the largest and within the first four of Australian banks Handling risk with responsibility Steady and sustainable growth Retail banking services Personal and small scale customers are aided with business help, that is finance Management of wealth. That is management platform, master funds, supports related to financial advices, supports like on the grounds of insurance and business, superannuation Customer Relationships Automation of banking services Community users Strong security systems Excellent reputation of the bank Convenience of the customers are taken as priority Ubiquity All the services are anti-personal. Customer Segments It serves the government sector Has services related to credit and card holders Merchants Serves the retail sectors Serves corporate customers Serves industrialists Key Resources More than 1100 branches all across the globe More than 4300 ATMs in total Considering its branches and ATMs, it has the largest network Its wide availability Strong base of loyal customers IT capabilities Huge network Potential employees The services and products are in wide range. It serves its customers with bank accounts, credit cards, financial advices and plans, home loans, car loans, insurance, superannuation, personal loans etc Channels Newsroom Social networking sites like facebook, instagram, twitter Mobile banking Information on its personal website Online banking NetBank The huge network of branches and ATMs. Cost Structure It has excellent network which needs to be maintained In the maintenance of IT infrastructure development Has wide array of international branches Security system Its presence/availability Compensation structure Taxes Costs related to finance maintenance Rewards and interest paid Revenue Streams Premium related to policies The returns that are made on policies on investment plans. The financial revenues, that is the interests hat are credited on commissions and service fee pf certain products Value Curves Banking sectors in Australia is already an independent and established sector that has witnessed continuous growth, since its birth. More or less the whole of the country is connected with proper banking branches and ATMs. It would not be wrong if asserted that most of the Australian market is near about saturated in the context of banking services. However, there has been a number f factors that have added as a positive catalyst in the growth of banking sectors all over the place (Jaber 2016). The most important of those are globalization, an ever increasing population, the inflation is the purchasing power of customers, edging competition against small scale sectors even, growth of IT and finance industries, all over innovation and development (Ali et al. 2014). Where ever is the need of finance, is the need of banks. At the beginning, in the year 1911-1941, Commonwealth Bank emerged in the Australian market as a Blue Ocean. Although, at present, Commonwealth bank is positioned as red ocean in the market. It came upon with attractive and innovative plan, the concept of banking and its services were new and hence was into blue ocean. However, there are numerous banks in the market now that more or less provides the same products and services to the customers (Johnson 2016). Only the rate of interests are different which make it a red ocean now. Since, the organization focused on a narrow range of services, it was under blue ocean. The major grounds that Commonwealth Bank is ahead of the big four are its excellent customers services, low rates of interests, easy accessibility and support to customers. Assessing business strategy of Commonwealth Bank Strategies are made in order to achieve the mission and vision of the company. The key success measurement criteria as laid out by the company are as follows Improved metrics related to customer service Inflation/deflation of shareholder returns Maintenance of fame of the organization The business strategy of commonwealth banks is four dimensional, focusing on customer service, business banking, technology and operational excellence, and trust and team spirit. It is prioritized the most by the organization, since it is a customer driven company. the company aims at reinvigorating sales and services. Employees of the company are invested upon in order to attain skilled employees (Schwartz et al. 2016). In the context of business banking, commercial purpose of business banking services are offered in almost all of the retail chains. The technology and operational excellence department aims in the implementation of skilled sourcing and designs plan to enhance the efficiency of the process. Trust and team spirit is another important section that aims at strengthen the bond of coordination between the employees (Burns 2016). It also aims at better involvement of community and apart from that, it also focuses on its customers safety (D, Mashruwal and Tripathy 2014). Pestle analysis of Commonwealth Bank Australia Political impact: The political relationship of Australia with China and other Asian countries is a bit sour lately, which may impact the business (Scholes 2015) Economic impact: economy is evolving but at the same time population is aging Social impact: diversity has been the marking factor of cosmopolitan diversity Technological impact: The advent of modern technology has molded people to invest in next generation financial technology. That would help the organization to innovate a firm technical framework. In the context of banking sector, cyber security is still a major area of threat. Legal: There are certain litigations against the bank. Issues like allegations regarding money laundering have also been a concern. Environmental impact: banks can be influenced through a strict regulation related to water management and river management. Banks can be charged of legal actions on the account of its failure to explore the risks related to climatic conditions (Johnson 2016). External Fit External Fit refers to the external trading conditions of the organization. This external fit is applicable for all the Australian banks in the market. Since, these banks also go through the same rules and regulations related to legal structures, financial services, insurance covers etc. all the external fit is comparable to the other rival banks that are present in the market and mostly all the rivals go through the same rules (Armstrong et al. 2015). Yet, the difference lies in the way Commonwealth Bank approaches its customers. Though, all of the banks is scattered almost in the same geographical manner, not all the banks are always ready to help its customers. Due to huge rush in the starting and the end of financial years, most of the banks keep its customers waiting (Cascio 2018). Commonwealth utilizes this time in providing assistance to its customers over e mails, phone calls and online chats. It ensures that its customers are engaged with bank executives and thus, do not swi tch to other financial service providers. Apart from that the organization has also made car and home loans readily available to customers with least possible delay (DeYoung and Huang 2016). Internal Fit Most of the banks follows the same approach of internal fit. However, all the internal approaches are nit same in all of the banks (Sengupta et al. 2015). Though most of the internal approaches are similar, dissimilarity too, does prevail. The key factors that creates a difference in Commonwealth Bank is in its approach to make different types of marketing and sales strategy to target different segments of its customers. Not all the customer segments can be targeted in the same manner. It follows unique targeting strategy and that is what keeps it at part from the other companies. Commonwealth Bank also succeeds in its faster delivery of products and services to its customers. That is, in its sales department, most of the products and services offered by the organization are tangible and can be customized as per the need and demand of the customers (Bailey, Albassami and Al-Meshal 2016). The transactional activities are smooth without many restraints. Commonwealth Bank is best known for its on-time delivery of services. Technology plays a major part into this section. The organization has used technology to its brim to bring about special features like app based banking. Use of modern technology has also lifted thee organization a little more than the others. The customers are benefitted with app based mobile banking and bill payments. Some of the technology infused transactional features are ACH networks, ATMs, bankcard networks and check clearance systems. Value chain of Commonwealth bank Australia MARKETING SALES PRODUCT TRANSACTION Advertising Branding Supporting sales Multichannel Management Expanding market Offering of the products Expanding the product range Clearance of payments to the customers Settling financial services Technological advancement Human resource departments Maintenance of infrastructure Guidelines related to risk management Conclusion and recommendation It can thus be concluded that commonwealth bank is a gigantic organization. Since its birth, it has gone through a lot of modifications and alterations in its organizational structure and infrastructure. Yet, it has been able to maintain its fame and reputation till date. Even after its controversies and allegations, it is one of the most popular bank in Australia. Given its number of employees, its branches all over the globe, its number of ATMs it is the most demanded financial service provider. The organization has been able to manage its constant inflation since the very starting of its journey (Eva et al. 2018). Entering into the market with a blue ocean strategy, it is only when the other financial sectors started providing the same services and products to the customers that Commonwealth Bank ultimately landed into red ocean. Though most of its services are liked and demanded by its loyal customers, yet it has been noticed that there are rare few that is hampering the growth o f the organization. It has been seen that Commonwealth Bank hooks upon ACH network. It becomes less efficient in peak financial years and in order to increase its efficiency, the organization must extend the transponder capacity of the same. Reference List Ali, P., Anderson, M.E., McRae, C.H. and Ramsay, I., 2014. The financial literacy of young Australians: An empirical study and implications for consumer protection and ASIC's National Financial Literacy Strategy. Armstrong, G., Kotler, P., Harker, M. and Brennan, R., 2015.Marketing: an introduction. Pearson Education. Bailey, A.A., Albassami, F. and Al-Meshal, S., 2016. The roles of employee job satisfaction and organizational commitment in the internal marketing-employee bank identification relationship.International Journal of Bank Marketing,34(6), pp.821-840. Burns, P., 2016.Entrepreneurship and small business. Palgrave Macmillan Limited. Cascio, W., 2018.Managing human resources. McGraw-Hill Education. Commbank.com.au. 2018.About us. [online] Available at: https://www.commbank-.com.au/about-us.html [Accessed 25 Apr. 2018]. Banker, R., Mashruwala, R. and Tripathy, A., 2014. Does a differentiation strategy lead to more sustainable financial performance than a cost leadership strategy?.Management Decision,52(5), pp.872-896. Dalal-Clayton, B. and Sadler, B., 2014.Sustainability appraisal: A sourcebook and reference guide to international experience. Routledge. DeYoung, R. and Huang, M., 2016. The External Effects of Bank Executive Pay: Liquidity Creation and Systemic Risk. Eva, N., Sendjaya, S., Prajogo, D., Cavanagh, A. and Robin, M., 2018. Creating strategic fit: Aligning servant leadership with organizational structure and strategy.Personnel Review,47(1), pp.166-186. Jaber, M.Y., 2016.Learning curves: Theory, models, and applications. CRC Press. Johnson, G., 2016.Exploring strategy: text and cases. Pearson Education. Johnson, G., 2016.Exploring strategy: text and cases. Pearson Education. Kemper, C.A. and Kalafut, J.F., Bayer Medical Care Inc, 2014.Identification of regions of interest and extraction of time value curves in imaging procedures. U.S. Patent 8,699,770. Scholes, M.S., 2015.Taxes and business strategy. Prentice Hall. Schwartz, L.P., Silberberg, A., Casey, A.H., Paukner, A. and Suomi, S.J., 2016. Scaling reward value with demand curves versus preference tests.Animal cognition,19(3), pp.631-641. Sengupta, A.S., Yavas, U. and Babakus, E., 2015. Interactive effects of personal and organizational resources on frontline bank employees job outcomes: The mediating role of person-job fit.International Journal of Bank Marketing,33(7), pp.884-903. Sia, S.K., Soh, C. and Weill, P., 2016. How DBS Bank Pursued a Digital Business Strategy.MIS Quarterly Executive,15(2). Travostino, F., Lavian, T., Schofield, B. and Monga, I., Rockstar Consortium Us Lp, 2015.Time-value curves to provide dynamic QoS for time sensitive file transfers. U.S. Patent 8,949,846.