Presentation Topics
(Also Involve 1 real life case study )
1. Commercial Lending:
- Example: A local business owner applies for a loan from a commercial bank to expand
their operations. The bank evaluates the business's financial statements, credit
history, and growth projections before approving the loan.
2. Deposit Products and Services: ( Group 2)
- Example: A young professional opens a savings account with a commercial bank to
save for a down payment on a house. The bank offers competitive interest rates and
convenient online banking services, making it easy for the individual to track their
savings progress.
3. Technology and Innovation: (Group 3)
- Example: A commercial bank introduces a mobile banking app that allows customers
to deposit checks remotely using their smartphones. This innovation saves customers
time and provides greater convenience compared to traditional in-person check
deposits.
4. Risk Management in Commercial Banking: (Group 6)
- Example: During an economic downturn, a commercial bank implements stricter
lending criteria to mitigate the risk of loan defaults. The bank conducts more thorough
credit assessments and adjusts interest rates to account for increased credit risk.
5. Financial Inclusion and Banking Accessibility: (Group 1)
- Example: A commercial bank partners with a local non profit organization to provide
financial literacy workshops and affordable banking options to low-income communities.
This initiative helps underserved populations gain access to essential banking services
and improve their financial literacy.
6. Corporate Social Responsibility (CSR) in Banking:
- Example: A commercial bank allocates a portion of its profits to support
environmental sustainability projects, such as renewable energy initiatives or carbon
offset programs. By investing in CSR initiatives, the bank demonstrates its commitment
to environmental stewardship and social responsibility.
7. Globalization and International Banking: (Group 4)
- Example: A multinational corporation based in the United States secures a
syndicated loan from a consortium of international banks to finance a cross-border
acquisition in Europe. The transaction involves multiple currencies and regulatory
jurisdictions, highlighting the complexities of international banking operations.
8. Emerging Trends and Future Outlook:
- Example: A commercial bank adopts blockchain technology to streamline cross-
border payments and enhance transaction security. By leveraging distributed ledger
technology, the bank reduces processing times and improves transparency in
international money transfers.
9. Customer Relationship Management (CRM) in Commercial Banking: (Group 5)
- Example: A commercial bank launches a loyalty rewards program for its high-net-
worth clients, offering exclusive perks such as personalized financial planning services,
VIP event invitations, and preferential loan rates. This CRM initiative strengthens the
bank's relationships with its most valuable customers and promotes customer retention.
