Philippines Banking Sector Analysis

By: Shushmul Maheshwari

Over a period of time, the banking industry of the Philippines has seen a transformation with the reforms being carried out by both the banking regulator and the government. The reform process has resulted in improved banking industry, with industry income touching new heights in 2007. Moreover, the Philippine banking industry has been undergoing consolidation that will further strengthen its position as new entities will increase the competition level. Moreover, banks will continue to be supported by a benign economic outlook, which reduces the likelihood of a sharp increase in unemployment or corporate bankruptcies, as per ?Philippines Banking Sector Analysis”, a new research report by RNCOS.

The report provides extensive research and rational analysis on the Philippines banking industry and helps clients in analyzing the current performance and growth opportunities that exist in the banking industry. The report provides detailed overview of the banking industry in the Philippines by contemplating and analyzing various parameters like assets size, income level, number of financial cardholders etc. It helps clients to understand various products available in the Philippines banking industry and their future scope.

The future forecast discusses the future prospects of different arms of banking industry, including bancassurance, financial cards, mobile banking and role of technology in banking. The future projection given in this report is done on the basis of the current market scenario, past trends, and rules and regulations laid by the central bank.

For the purpose of this research report, Asia consist of China, India, Hong Kong, Taiwan, South Korea, Singapore, Malaysia, Thailand, Indonesia, Philippines and Vietnam.

Key Findings

- The Philippine banking industry posted a CAGR hike of 8.46% in asset base between 2004 and 2007.

- Industry deposits in the country grew at a CAGR of 9.82% from 2004 to 2007.

- Deposit mobilization is concentrated with universal and commercial banks, which account for the majority of the Philippine banking industry deposit.

- Financial Intermediation was the largest shareholder of the loan disbursal by banks during 2004-2007.

- Bancassurance will account for 65% of the total sales of insurance products by 2011.

- Increasing at a CAGR of 69.78%, microfinancing in the Philippines is expected to reach 56.5 Billion Pesos.

- Increasing mobile penetration will expand the mobile banking user base to more than 11 Million by 2011.

Key Issues & Facts Analyzed

- Market analysis of different product segments in the banking industry.

- Evaluation of current market trends.

- Factors driving growth in the Philippines banking industry.

- Analysis of challenges and opportunities for the industry.

Key Players Analyzed

This section covers the overview about the major players in the Philippines banking industry like Metropolitan Bank and Trust, Bank of the Philippine Islands, Banco de Oro UniBank Inc. and Land Bank of the Philippines.

Research Methodology Used

Information Sources

Information has been sourced from books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases.

Analysis Method

The analysis methods include ratio analysis, historical trend analysis, linear regression analysis using software tools, judgmental forecasting, and cause and effect analysis.

For FREE SAMPLE of this report visit: http://www.rncos.com/Report/IM113.htm

Check DISCOUNTED REPORTS on: http://www.rncos.com

Article Source:
http://www.articlecity.com/articles/business_and_finance/article_11556.shtml

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How To Get More Clients Consistently - Part 2

By: Ileana Kane

You can easily create a steady stream of clients for yourself. It’s simple to turn your business around if you’ll take the time to discover simple basic everyday marketing solutions. While everyone else is playing the blame game on the economy, you can quickly jump ahead of the game and get more clients than you’ll ever need. And the best thing - you guessed it — no marketing budget required!

Put these solutions into action consistently and you’ll enjoy consistent income flying into your bank account.

If you really want to know how to have more business, bigger success and greater satisfaction, let me show you 10 marketing solutions that will do the trick for you:

Marketing Success Solution 6: To grow your business takes DECISION, FOCUS and then ACTION! Keep your eye on the prize. Give consistent attention to your goals and to your marketing plan. All of us are creatures of wanting to see instant results (I have to admit I am). To see instant results and continued momentum you’ll want to implement the easiest thing first. If you implement the easiest thing first, you will get a feeling of accomplishment right off the bat. You’ll gain momentum and you’ll move forward quicker, and soon you’ll be where you want to be. Consistent action EVERY single day.

Marketing Success Solution 7: Ditch the “I work with everyone” trap! That is unless you’re not ready to have the real business success you crave. Start right now and create a profile of your best client?the one you really love working with. Create a profile of that person. My friend, Lorrie Morgan- Ferrero (RedHotCopy.com) calls this your ‘tarket.’ You want to be able to distill the profile down to one person. You’ll want to look at age, gender, income level, interests, what they read and what they listen to on radio and TV. This way, when you are creating copy, a signature talk or talking with prospects, you’ll be taking your marketing message and other marketing pieces to that one person who would benefit the most from your service. Growing your business will never be easier!

Marketing Success Solution 8: You’ve tried everything. Sound familiar? You’ve tried a mailing once, maybe you put up a web site or you might have tried networking. I’ve heard this so many times. What you need to do is to stop trying (you’re throwing spaghetti against the wall) and get your plan out. Dedicate yourself to consistent action and giving your plan time to work. You’ll want to create compelling magnetic marketing. This is so your ideal client and tribe will run after you and pay you anything to help them!

Marketing Success Solution 9: You’ve got to ask for the business. Ask and then ask again and then ask again. Remember when you were little and you wanted your parents to take you somewhere really special? So, what did you do? Ask, ask and ask again. Be diligent be bold and be consistent.

Marketing Success Solution 10: If marketing is new to you, it might seem intimidating and maybe a little scary. The fears come in and you get in your own way. I’ve been there, too! The truth is, once you get on with what you need to do, you’ll get so immersed in your business and completely forget about everything else. You’ll be in action, focusing on your clients and won’t have time to think about anything else. Think about all your clients that are changing their lives because of the value you give them. Now that’s real success.

Marketing Success Solution BONUS: When you put all this together you have winning marketing solutions. But the problem is most entrepreneurs get busy and stop the marketing and that in turn creates what I call the yo-yo effect in your business and in your income (of course the profits go out the window too). What you do to avoid this is to put your marketing on an auto pilot schedule. This way your marketing will stay on track and you’ll be having a flood of clients coming in the door.

Put these solutions into action and you’ll take a quantum leap forward in growing your business. You’ll get new clients, make more money and have more freedom to enjoy it all. Your success in marketing your business will become second nature and your bank account will be happy too!

Article Source:
http://www.articlecity.com/articles/business_and_finance/article_11473.shtml

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Disability-Related Interview Tips: 5 Strategies to Improve the Odds of Finding a Job

By: Lisa Jordan

The labor market is challenging as it is, but if you are a person with a disability, you are often faced with additional obstacles in order to find meaningful employment. Statistics show that for every one interview a non-disabled person does, a person with a disability does five in order to secure a job!** While the numbers seem staggering, the five strategies below can assist in improving the odds.

1. Decide up front whether or not you will disclose your disability. Make a list of the pros and cons of disclosure. A hidden disability may not require disclosure unless you are requesting an accommodation. You may choose to disclose an apparent disability ahead of time to ensure the interviewer focuses on you and your abilities vs. you and your disability. The decision to disclosure is yours. Do what feels comfortable, and remember, disclosure doesn?t mean telling your life story! Keep it simple, practice what you?ll say, and only share what is relevant to the job.

2. When you are scheduling an interview, be sure to ask up front what the process involves (e.g. Will testing of any sort occur? How will the tests be administered? Where will the interview occur?). If you do require an accommodation at the initial interview, ask the employer as far ahead of time as possible. Don?t wait until the last minute! Be open to other suggested accommodations by the employer if they would satisfactorily meet your needs. Remember, an employer is not required to provide you with the exact accommodation you request. Show your openness during this interactive process.

3. Be proactive! Be prepared to demonstrate how you will be able to perform the essential functions of a job with or without an accommodation. Don?t wait for an employer to ask, especially if your disability is apparent. Share with confidence how you?ll be able to successfully get the job done and include examples of how past accommodations or modifications have worked to everyone?s advantage. Your confidence will help dispel any concerns the employer may have.

4. Don?t let your disability define you. You are a combination of many wonderful skills and abilities. The more positive you are, the more an employer will focus on your attributes. Remember - you are a job candidate that just happens to have a disability. Keep the focus on YOU!

5. Practice, practice, practice! Don?t go to a job interview thinking you will be able to ?wing it,? especially as it relates to addressing your disability. Often, when we?re nervous, we will either say too much or too little. It?s always best to script out what you will say, anticipate possible questions, and then practice your response. Get the advice of a trusted friend or colleague. Go in prepared to dazzle them!

**This specific statistic was taken from ?Windmills? Attitudinal Training Program.

Article Source:
http://www.articlecity.com/articles/business_and_finance/article_11492.shtml

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Promising Growth Forecasted for Indian Bottled Water Market

By: Shushmul Maheshwari

India has emerged as one of the biggest and most attractive water markets in the world. Today, the size of the bottled water category has become extremely large, making it highly competitive. According to our latest research ?India Food and Drinks Market: Emerging Opportunities?, sales of bottled water had grown at a CAGR of around 20.5% and more than 21% in volume and value terms respectively during 2004-2008. Various factors such as unavailability of clean water, rising health concerns and changing lifestyles of young Indian population have been particularly adding to the growth of bottled water market in India.

In our research, we have identified that bottled water industry is one of the most thriving sectors in India owing to the low per capita consumption, which is estimated at around 6 Liters per year. ?Attracted by the huge potential that India’s vast middle class offers, multinational players have been trying to capture this rapidly growing market?, says a Sr. Analyst at RNCOS. Driven by these factors, our research foresees the Indian bottled water market to grow by 20%-22% annually (in value terms) during the coming few years. Furthermore, growing at faster rates, the market will soon be the largest segment in the soft drinks market, outstripping even carbonated drinks.

Resultantly, the volume sale of bottled water in India is forecasted to exceed 7440 Million Liters by the end of 2013, translating into a market worth more than US$ 1.5 Billion. However, the category is still largely commoditized and price-sensitive.

Our report provides in-depth research and rational analysis on the food and drinks market in India. It provides detailed overview of the consumption patterns of Indians in various food segments, like milk, fruits, vegetables, meat, etc. The beverage segment talks about the type of beverages, their sales and consumption patterns, among the Indian populace. Report also provides forecast on all the industry segments with due consideration to the impact of global economic slowdown. The report is aimed to help clients analyze the potential growth areas, challenges and drivers critical for the Indian food and drinks industry.

For FREE SAMPLE of this report visit: http://www.rncos.com/Report/IM141.htm

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Article Source:
http://www.articlecity.com/articles/business_and_finance/article_11541.shtml

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More Creative Ideas How to Buy Low When You Open a Dollar Store

By: Bob Hamilton

If you are about to open a dollar store, then it’s time to get creative when it comes to purchasing the dollar store merchandise required to stock your new business. In fact the need to continually work at reducing the cost of products you sell will never go away. Always be on the lookout for new, low cost dollar store suppliers. The simple truth is the better the job you do at driving excess cost from your merchandise the more likely you are to achieve profits for your business.

Idea #1) Buy your dollar store merchandise by the semi-load. Your general suppliers will be eager for these sales. They will gladly build pallets of the very items you need to meet customer demand. And of course you will save money on the merchandise and the freight when you buy using this strategy.

Idea #2) Buy an existing store. When you open a dollar store get the word out that you are willing to buy the dollar store merchandise from stores that are reducing their size, or even closing down. Just get in before all the best items are sold. And remember you deserve a discount as there will be labor required to box and transport the merchandise. There will also be a need to sort items once they arrive at your store. Finally, there will be shop worn and damaged items that cannot be sold in your store at all. However a well negotiate deal will benefit the seller by allowing a quick business closure. Your bottom line will also benefit as you see profits grow from this technique.

Idea #3) Become the manufacturer. This strategy takes less cash than you might think. Just be sure you focus on only the very hottest selling items. Avoid seasonal items, items that have peaked and have falling sales, and all others items that aren’t the hot selling staples for your business. Continue to purchase those items from your established dollar store suppliers. It will take a little legwork to locate your manufacturer, and to negotiate the price. Start by attending trade shows that are featuring manufacturers and their product displays. Make this idea work and your profits will quickly grow.

Idea #4) Cut transportation costs. This can be accomplished in a variety ways. Start by negotiating freight on all dollar store merchandise you order. Next examine the huge discounts associated with shipping by the container or via railroad. Finally, begin working with other companies shipping into your area to share freight costs. Start your negotiations with suppliers, but on to the transportation companies themselves if that doesn’t work. Don’t become discouraged if it takes a little time before you begin to see your freight costs going down. Always remember the impact of cost cutting to your profits makes the time and effort well worth it.

To your success when you open a dollar store!

Article Source:
http://www.articlecity.com/articles/business_and_finance/article_11459.shtml

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