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February 2023

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Banking

Banks Versus Low-Cost Deposits At Economic Breezes

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OverviewDomestic capital markets have an important role to play in mobilizing private capital to finance domestic development. By giving companies the ability to borrow domestically in local currencies, domestic capital markets can also reduce currency mismatches for borrowers, thus reducing systemic risks. At the same time, government bond markets create tools to manage macroeconomic and fiscal risk and provide important pricing benchmarks. However, the capital markets can increase risks in the real economy, for example,…

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Banking

Retail Banking To Subversive In 2023 & Onwards

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Interconnected modular digital world, acting alone is too onerous for most companies. Working collaboratively to complement, adjust and support joint efforts is essential to leveraging digital ecosystems. This shift towards platform-based ecosystems is expected to gain momentum in 2023. It is possible to start integrations and collaborations with new partners quickly and easily.Also having the ability to create bundles of integrated services to make the most of new business opportunities, making growth and innovation possible…

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Banking

SME banking and necessity of digital approach

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Small and medium-size enterprises (SMEs) in Bangladesh characterize one such opportunity for banks seeking to grow. Years of low-interest rates, difficult consumer, corporate, and investment banking business conditions and a delicate macroeconomic environment have squeezed many core areas of business for banks. In this context, previously overlooked segments are worth revisiting. Data highlight that for SMEs in Bangladesh, access to financing is their most urgent problem. The same data shows that one in five SMEs…

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Banking

Branding bank branches with flexible designs & floorplans as of future proof

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Constant drumbeat about the need to upgrade branches to adjust for the dominance of digital transactions and the need to offer advisory services. Concerned is, branch changes take time. Contrasting upgrading a mobile app, which can be done in weeks or sometimes less, altering physical facilities can run for months and suck up large amounts of resources human and capital.And the risk is, just as a bank exposes a new branch, it may already be…

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Corporate

Why Governance is needed for the growth and development

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Whether big or small, for every business to grow, good governance is essential. There is no shortage to the benefits of what a governing board can bring to an organization, however some priorities are- (1) Risk management: facing a variety of risks is a daily occurrence for business owners, and having a board to assist with managing them when they arise is an extremely valuable asset to have. Directors notes that a board plays a…

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Corporate

Aging employees: Whether effective human resource capital

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Based on workforce characteristics, management practices, and business performance, it has indication that employee age had no impact on business performance, whether performance is measured by financial, operational, or customer outcomes. Tenure, however, had a significant positive and sometimes very sizeable impact on financial performance and operational excellence. People are living and working longer and the implications for areas such as health care and government entitlement programs are profound. But what about employers, that may…

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