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An Introduction To Internet Banking In South Africa

Benefits of Internet Banking Services
Internet banking services provide a safe environment with hardly any of the frustrations associated with visiting a physical bank, giving you the control to bank when it suits you best, no matter where in the country you may be. Internet banking means that there is no need to stress out about getting to a branch during working hours or standing in queues for ages, waiting to complete one simple bank transaction.

in South Africa has greatly reduced paperwork, saving time and money. Instead of waiting for statements to arrive by post, you can access your transaction records at any time you wish. The ability to also print a copy of your bank statements can be used as proof of payment to a creditor. The ability to monitor your personal finance activities 24 hours a day also enables discrepancies to be picked up and dealt with swiftly. Internet banking services allow you to manage multiple accounts from one easy location and perform an array of banking activities from one convenient and secure portal.

Internet Banking Services

When you register for Internet banking, you will have access to a range of services and facilities:
“Request statements – you will be able to access statements whenever you like, as well as choose the date range that you want to reflect back on.
“Interaccount transfers “” with a few simple clicks, you can transfer money between accounts, saving you the time and hassle of visiting your branch.
“Pay bills “” this Internet banking service has given you the freedom and convenience of paying electricity or water bills online.
“Pay school fees “” with Internet banking you are able to pay school or tuition fees with ease.
“Apply for an overdraft facility – this also saves the time and hassle of visiting your branch.

Robert N. Vohra with Longstreet Worldwide, LLC Offers a Range Of Investment Banking Services

Global investment banking involves raising capital such as equity or debt for clients in international commerce, and offering advice on possible acquisition and merger transactions. There are many global investment banking firms that aim at helping clients make the most of opportunities, both abroad and domestic, to ensure their financial success. These companies work closely with clients and offer plenty of services, strategies and solutions that include raising capital from private and public sectors and financial restructurings. Unlike normal banks, investment banking companies do not accept deposits and offer loans, instead they are dedicated to helping corporations or individual clients who need financial guidance to grow their business. In fact, they serve as consultancy firms and help clients decide on their next business move. Nowadays, many government officials, private institutions and business owners are opting for global investment banking services.

A graduate of Columbia University and Georgetown University Law Center, Robert N. Vohra has spent over 20 years in private legal practice, with extensive experience in transactional law and domestic and international tax law. He also possesses considerable experience in general corporate representation and litigation on behalf of business entities involved in various industries. At present, he is a Managing Director at Longstreet Worldwide LLC, and heads the firm’s east coast operations from Washington, D.C. Longstreet Worldwide LLC is a multinational real estate and energy investment banking company that offers a wide range of services, including acquisition, consulting and structured financing on projects ranging from 25 million dollars to 750 million dollars. With offices in Asia, Europe and North America, the company strives to bridge the gap between project funding and international capital.

Robert N. Vohra also served as the President of Sherwood Capital Corporation, worked as an agent to large real-estate firms, international corporations, and investment and pension funds. He has previously worked at Vohra & Associates, PLLC; Knapp, Marsh, Jones & Doran, Los Angeles; Shawn, Mann & Steinfeld, Washington DC; and Thiemann, Aitken & Vohra, LLC, Alexandria, Virginia. Robert N Vohra is admitted to the New York, California and District of Columbia bars, and holds a real estate salesperson license and a Life and Health Insurance insurance.

Banking Certification Exam

The current day is a day of brutal competition among the biggies in the software industry. Because flow with the newer and sharper technology is never ending, the content Technology companies who definitely are implementing the greater end software go on introducing the certifications and tests to gauge the potential employees which join them. For precisely the same purpose, Certmagic has introduced inside the technical circle; this exam is one very sought-after and difficult exam to break into. However, once this exam has been cleared, the candidate should expect some fireworks in her career. This particular exam is about the introduction of a Team Leader that can work cohesively having a team, and derive the absolute maximum possible output, so that the enterprise level expectations and promises are completely fulfilled. Designing, Configuring, Installing and Troubleshooting the application form server for the enterprise level could be the basic criteria just for this examination. The successful candidate will also have to tidy up the presales, post install supports. The potential candidate is predicted to get a detailed and expertise level knowledge in at least one on the following products from your Banking Certification software giant: Specialties on the Dynamic Infrastructure: Business Resilience, Information Structure, Virtualization and Consolidation. Further, as being a prerequisite just for this certification, our recommendation is that the IT professional appearing just for this test holds any one of the following certifications from the technical domain: Apart out of this, the self paced training kits are giving the strategy for both practice and practicing the Banking Certification exams and give the top solution. The expert professionals offer the information and guidelines when getting the in the perfect manner. It makes all the possible ways for as an efficient professional. The Banking Certification exams are giving the methods for overcoming areas inside the IT sectors. The Banking Certification offers the techniques for solving the complex problems as a result of latest developments.

How Can I Impress the Interviewer At A Banking And Finance Interview

Regardless of what many may think or say, first impressions do count and never more so than attending your first interview and especially if that interview is for a position within a professional organization such as banking or finance. So, it cannot be over emphasized that you must present a polished professional image the second you walk into the building.

It wouldn’t be the first time that I have attended an interview and the person due to interview me or a member of the HR department was already waiting for me in the company’s reception area.

Always remember that companies of the stature of which you have shown an interest are looking to hire professional people. People who care about themselves and their career so, look the part and act the part. Dress conservatively. Preferably wear a well pressed suit and avoid wearing too much jewelry or fragrances. Accompany the suit with a clean white shirt and tie. It’s also important to remember your personal hygiene and cleanliness. Bathe or take a shower, brush your teeth, and make sure your hair is well groomed before an interview as well to present a polished professional image.

Prepare in Advance

Whether you have attended many banking or finance interviews or not, it is likely that you can predict at least some of the questions you will be asked. Take the time to practice giving your answers to these questions. Even though you are not asked that question exactly, there is a very good chance you will be asked a question similar to it. The more you practice the more confident you will be in the interview.

Prepare to give well structured answers as well as practicing the tone and method of delivery. You want to give the impression of being confident but not arrogant. Good interviewers will know that you have prepared and that is no bad thing as they will appreciate how much this opportunity means to you.

Moreover looking the part and being well prepared for the interview will definitely minimize any anxiety or nervousness that almost all interviewees suffer when they walk into an interview.

You have prepared to answer questions. You also need to prepare to ask questions. It is in your best interest to gather as much information as you can about the company and the job opportunity you are about to be interviewed for.

Impress the interviewer by doing your homework. Research the company prior to the interview and gather key information with which you can prepare interesting and intelligent questions to ask the interviewer. This knowledge will help to demonstrate that you have a genuine interest in the company and the opportunity for which you are being interviewed.

This knowledge can also give you an edge over your competitors. You can use it to prepare examples of how the skills set you possess and the experience you have are an excellent fit to meet the needs and challenges facing the organization.

Impact Of Foreign Trade In Turkish Banking

Corporate Finance: Corporate finance includes a array of areas like debt and equity capital, appropriate capital structures and mergers and acquisitions. Advisory services include sector specialists, who are backed up by several general service teams.

Research: Employees working with the research department provide clients with up-to-date reports on certain parts of interest. Analysts in the research department specialize in a specific business sector or area, thereby developing reports that could be safely distributed to clients. Besides having effective analytical abilities, good analysts working with your research department in need to have effective communicative skills, power to think clearly and offer clear ideas with confidence for the clients.

After successful finishing from the internet banking enrollment process, you’ll be able to get a message welcoming that you M&T net banking and you will need to log on for your web banking account to receive the specified M&T online banking conditions and terms.

Investment banking is among best options for candidates who possess drive, confidence and stamina. It just isn’t meant to the feint of heart, as investment banking requires very a strong personality. Stamina and drive tend to be important, as financial services industry employee work long hours, especially when they need to deal with deadlines. Generally, the running hours of the employee in investment banking ranges between 60 to 70 hours. However, during busy times, working hours may extend from the weekend.

Syndication is really a vital necessity, with attributes like funding certainty, speedy execution, profound knowledge of capital markets, detailed and diligent analysis process. The execution power from the bank might be combined with the developer scheme of things, by working for the project development together. At all stages, transparency must be maintained inside real estate portfolio. Advisory service providers inside field of investment banking initiate and negotiate for joint ventures as well.

In say a simple ‘Market Update’ PowerPoint presentation going out to a client, each company profile (in the client’s competitors/suppliers/customers etc) may only be a one slide summary with a 3 sentence description, 5 numbers/multiples, recent news etc – this super succinct form takes place when say 5-15 competitors are being profiled at once in the basic presentation.

The reality is that this investment markets could possibly be troublesome for any person and many circumstances could lead in your success or failure. Even using the possibility that exists with failure, people carry on and pursue this dream about riches through the desire to locate financial stability and escape through the conventional working environment.

One of my most often asked questions is the place investment bankers decide who gets a deal following a day of interviews. Even if you did everything right, there is not any guarantee you’ll get an offer if your interviewers didn’t as if you.

E-MBA in Finance (Banking & Insurance)

A large number of B schools across the country offer a wide range of management programs for entrants like e-empowered Management & Business Administration, e-empowered Management & Business Administration in Finance covering Banking and Insurance i.e. e-MBA in Finance (Banking and Insurance), Post Graduate Diploma in Management with e-Business, Masters in Management Studies (MMS), MHRDM / MFM / MMM / MIM, Masters of Business Administration with specializations in marketing, finance, personnel, systems and operations, Advanced Diploma in Pharmaceutical Business Management (ADPBM), and Post Graduate Diploma in Foreign Trade (PGDFT). E-MBA Finance with banking and insurance is a professional program targeted at fresh graduates of any discipline as well as executives and professionals who are looking to grow further in their chosen field.

This distinguished course done through a reputed B school may cover a range of topics such as central banking, commercial banking, investment banking, cooperative banking, principles of management, accounts and finance for managers, business environment, ERP, managing personnel, production and operations management, marketing management, managerial economics and quantitative techniques for managers. Also, entrepreneurship, strategies for management, principles of banking, international banking management, information technology in banking, regulations and compliances for banking sector, risk and treasury management, security analysis, bank portfolio management, project management, business laws used in banking, research methodology, business ethics, corporate governance and international trade for aspirants in the banking sector. There are similar distinctions covered for the field of Insurance as well such as accounts and finance for managers, insurance business environment, managerial economics, insurance and risk management, life and non-life insurance, management in insurance companies, business communication, insurance marketing, and reinsurance. Some of the leading B schools have exceptional courses for MBA Finance in view of the fact that banking and insurance are the two fastest growing segments in the financial sector of the country today.

While one may find many B schools that have courses which are dedicated to only Banking or Insurance, it is advisable to enroll for a dual specialization for its many benefits. Seeing that these two segments of the financial sector do work hand in hand, it is best for any aspirant to know the internal working of both fields. It is advisable to seek admissions at B schools that focus on meeting international standards such as that set by the IRDA in London. This initiative can open career doors to 150 countries from across the world for you.

With such exclusively planned courses like e-MBA Finance in Banking and Insurance available, not only aspiring graduates, but also a large number of executives from the finance field are seeking admissions in well-known B schools of the country. In fact, there has been a substantial growth in admissions since the introduction of these courses and the many colleges and institutes are already bringing into being a fleet of business leaders, managers and top class entrepreneurs.

Banking jobs considered secure job during recession period

If one becomes an investment banker, then one will always have to deal with money. The important criterions for investment banking jobs are managing money, investing money, and also trading money by means of bonds. With the proper training of business, one may find a position for oneself in this type of money market. For investment banking jobs one should search for bigger type of companies situated in financial capital of globe to seek one-s position in the reputed ones. Companies like Merrill Lynch and many other reputed names comprise this sector, those of which extends investment services for the big type clients like governments and multinational corporations.

One should concentrate one-s job searching endeavour for the investment banks of regional nature that conducts their business in the middle markets. One-s skills as the investment banker can be utilized in these types of jobs in a small degree, in the form of assisting investors individually and guiding small businesses advancing financially. One should contemplate for job searching for some boutique firms to work in favour of one if one has specialized type of interest like financial analysis or bond trading. These types of firms are smaller in type and extend very specialized nature of services so that one-s capability suits the job type precisely prior to one-s submitting of application. For being conversant with investment banking jobs, one should utilize published resources from reputed institutions of financial education like Harvard Business School for identifying firms in which one may like to work.

One of the main features of international banking jobs is Offshore Banking. In offshore banking clients are helped to perform financial transactions by means of bank accounts of corporate both confidentially and securely outside the country of incorporation or residence. If prepared in right manner, clients are benefitted legally from international banking of tax exemption. Offshore banking is secure, reliable and stable. In addition, an offshore bank account in Hong Kong and Singapore have good image. Clients contemplating offshore banking with corporate type of bank account become benefitted by way of adequate protection in case of instability.

India is being projected as the next economic superpower immediately after United States and China. India has always been major investment destinations from abroad and it has turned into most attractive market having high potential. Many multinational companies showed great interests for setting up their businesses in India because of multifarious opportunities. Presences of large number of industries ensure more employments for the job seekers at different sectors among which Banking industry is certainly a vital sector. For the last few decades, India is showing tremendous improvements in the perspective of its GDP growth and overall economic situations and for this reason Banking sectors have made great contributions to achieve this feat. Owing to this reason, scope for banking jobs in India has increased manifold.

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Importance Of Offshore Banking

The use of offshore banking is no longer disreputable because the policies are now strictly regulated. Standard bank offshore services may also be ideal for businesspeople and expatriates who usually have to make transactions between two countries. However, offshore banking may not be a viable option for people who have filed for bankruptcy or those who have a tainted credit history.
One of the usual alternatives are offshore bank accounts in Jersey because this area is believed to be one of the most secure locations for such transactions. This is due to its stable local economy and political structure. Also, the Banking Business Law of 1991 is charged with regulating a Jersey offshore bank account. In Jersey, there are hundreds of investment, fund management, and banking institutions. This provides a person with a wide range of entities to choose from, which permit him to opt for the best offshore banking service suitable to his needs. One way to check if the provider is reputable is to make sure that it is regulated by the Jersey Financial Services Commission (JSC). You can verify that a provider is regulated by JSC by checking the list published on the JSC website.
Offshore banking accounts have several advantages over local bank accounts, especially for expatriates. The primary advantage is that anywhere they are, they can easily deposit or withdraw money using these accounts. Another benefit offered by offshore banking is you do not have to transfer your money to your home country or to an onshore bank, for whatever your reasons.
Business men and women who need to work in several countries may also find that offshore bank accounts are ideal for their lifestyle. Offshore accounts may also offer better privacy and security than onshore bank accounts. With offshore banking, it is also easier to handle different currencies. To demonstrate, you may get your pay in a certain currency, deposit it in your pension in another kind of currency, and then remit some money to your home country in your own currency.
The reduction of taxes is another significant benefit of an offshore account. To illustrate, if your home country does not tax foreign income unless you send it home, then it would be best to keep your funds in an offshore account. Offshore banking services provided by a reputable bank may also be more secure than keeping your funds in a local bank onshore. Lastly, an offshore account may provide you with higher interest rates compared to a small onshore bank.

Video Conferencing – A Cutting Edge Technology For Banking And Financial Sectors

Nowadays clients hope to accept faultless and customized administrations in a manner that is advantageous for them. Feature correspondences can help Banks to enhance their client’s administration experience. Today video conferencing software might be custom-made to the Banking business through the procurement of video in their bank branches where physical staff may not generally be accessible. Master staff might be located at headquarters whether they are in Mumbai or Atlanta, and clients can have an entry to up close and personal counsel via virtual meet up from their nearby bank branches as and when they require it. Along these lines clients can even get access to nearby discussion whenever and in their native language.

Establishing a video communication channel in the bank branches, remains as a best administration tool to control key variables, including client, counsel, and other staff experience; endpoint interoperability; security; protection; confirmation; and necessity associations.

There are numerous ways for retail banks to build income and separate themselves through conference based banking services. The potential benefit of adopting video conferencing solution for banker would be the capability to scale the provision of expertise. Through this technology the financial institutes are able to reduce drastically their operational costs thereby increasing the revenues.

for banking sector not only to save time and money, but also to enhance the amount of customer acquisition. The following is the various ways where video conference is being used in financial institutes:

Banking sectors are providing one click access to their clients and prospects to avail anytime the online customer and technical support services.

Conducting webinars and online seminar session with client and prospects, regarding the terms and conditions of a policy

Through this solution the clients are able to connect instantaneously with the respective account manager and product experts.

24/7 face to face counseling and customer services

Virtual product trainings to branch offices around countries, by conducting training sessions virtually the banking sectors are drastically reducing their operational costs.

Effective communication and collaboration platform for internal communications

Loan Interviews: Loan interviews are the most common and the significant aspect in banks wherein, the customers are interviewed in such a way to explore whether the customer have the credibility to retrieve the loan. In this process, clients will be asked to submit the required documents, which serve as a proof that the client is capable to fulfill the loan installments. Normally this is done in physical presence. With the aid of interactive features in Video conferencing technology, the clients can share all important documents virtually live during the time of interview. The interactive feature of video conferencing solution includes file sharing, application sharing, desktop sharing, whiteboard sharing and co-browsing.

Finally, it can be ended that b> is a secured platform for communication for banking sectors to have confidential communication within the bank auxiliaries and with the customers. This solution has proven to deliver high ROI (Return on Investment).

Online Banking With Rbs

With the advent of online banks banking has been simplified and made so user friendly that people can carry out financial transactions from the confines of their homes the only requirement is a computer with internet connection. RBS online banks are the pioneers in this new technology.

With the RBS Online Banking, customers can safely and securely manage their money when it suits them. The Royal Bank of Scotland (RBS) is one of the retail banking subsidiaries of the Royal Bank of Scotland Group plc, and together with NatWest and Ulster Bank, provides branch banking facilities throughout the British Isles.

To support the positioning of the bank as a global financial services player as opposed to its roots as a national bank, Royal Bank of Scotland started to use the RBS initialism in 2006 to move away from referring to both the Group brand and its retail banking brand. The Daisy Wheel logo, an abstract symbol of 4 inward pointing arrows, was adopted by RBS subsidiaries Ulster Bank in Ireland and Citizens Financial Group in the U.S.

As a global financial service for its customers, RBS now has online banking services referred to as Digital Banking. You can do your banking needs anytime, anywhere as long as you have a computer and internet access. Customers can save time when they check up-to-the-minute balances and mini statements, with Digital Banking. You can also stay on top of your finances by having the ability to check your limits and keep track of your spending at any given time of the day, at any given day of the week. Digital Banking also allows you to move your money instantly between RBS accounts any time you need to. You can also settle your bills, make payments, and manage standing orders whenever you like, wherever you may be. You have quick and easy access to your online statements to up to 7 years worth of transaction history. No more rummaging through your files and paperwork at home. You can also access the current bank rates with Digital Banking. Customers can safely do all these and much more online thanks to RBS advanced security systems that provide added protection for your money through free software they provide.

You need to be 16 years of age or over and have an RBS current account, credit card, savings account or loan to sign up for Digital Banking. Learn more about RBS Online Banking by visiting their website.