Understanding & Categorizing Financial Institutions

Dearest You,

To effectively evaluate and acquire insights in regards to a particular “financial institution”, it would be imperative to understand the characteristics and the traits of the respective brand, that would be truly informed decision-making;

I would strongly advise one to make provision(s) the information presented below – kindly the note that the below is summarized;
1.       The Business Model of the “financial institution”.
2.       The Brand Positioning of the “financial institution”.
3.       The Product Offering(s) of the “financial institutions”.
4.       Financial Position of the “financial institution”.
5.       The Lending Criteria in the provision of loans by the “financial institution”.
6.       The Clients’ Profile of the “financial institution” – Confidential.
7.       The Repayment Frequency by the Clients’ of the “financial institution” – this should be accessible via the Accounting Team (has the repayment term has shortened, or has the term broadened?) - (i.e. once a client acquires a loan from the “financial institution”, how long does it take for the client to pay-back the loan?) – Confidential.



a.      Has the Repayment Frequency (of the clients) shortened?

b.      Has the Repayment Frequency (of the clients) stayed the same?

c.       Has the Repayment Frequency (of the clients) broadened?

d.      In Days: How quickly do the “financial institution” clients service their respective loan (and/or loans)?

e.       In Days: How quickly does a “financial institution” client pay-off their respective loan?

f.        In Days: How quickly do “financial institution” clients service their respective loan, in comparison to other brand(s) in the Industry?

g.      In Days: How quickly does a “financial institution” client pay-off their respective loan comparison to other brand(s) in the Industry?

If a “financial institution” has being currently downgraded (depending on level of the downgrade) then queries such as are going to arise and could arise:

·         How solvent is the “financial institution”?
·         Concerned/worried about the grading of the “financial institution”?
·         What does grading mean for the “financial institution” and for the Clients?
·         How safe is my business/money with the “financial institution”?
·         How fluid (liquid) is the business model of the “financial institution”?

The above could also be utilized to answer some of the questions that are going to be posed to the “financial institution” (by kindly note that point number (6. to 7.) and all points (from a. to g.) thereof should be confidential.

The provision of the opportunity, to allow the financial brand (or brands), to provide the above info directly or via their respective Reserve Bank, should be incorporated, as this would provide the details in the working of the respective brand and the actions that have being envisioned, and that will follow. An added dimension could be the Provision of Feedback which would be enabled and then the feedback can be communicated directly to the relevant “financial institution” or via the respective Reserve Bank. 

I believe that every brand is unique in its own way, and consequently the manner(s) in which revenues and profits are generated are equally unique (i.e. the Business Model) have a correlation on the aspects of supply and demand.

“We are Unique, Unique is in Us!!!!”

Salute

Kash.KXG
Kash

“Aspire to Inspire

Live to Dream
Envisioning the Vision and the Opportunities”