Essays on ADB Limited - Performance Analysis Case Study

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The paper "ADB Limited - Performance Analysis" is an outstanding example of a business case study.   ADB operates in competitive business markets. The company offers its reliable customers worldwide a range of competitive products and services as discussed by Bao (2017 pg 56). The company products and services include credit cards, insurance savings, transactions and deposit accounts. It offers banking and other financial services to small businesses mainly in Australia. Some of the common services include personal banking e. g. savings account and check bank accounts. According to Haq et al (2016 pg 54), the product lend by the bank to customers includes home loans and personal loans. More so, the bank offers credit, debit and cash cards to customers.

ADB offers its customers online access and support on products and services through online banking and also through a friendly bank contact Centre as argued by De & Sim (2016 pg 43). The investment services offered are fund management, insurance services such as health covers and commercial insurance. Foreign currency services are offered through telegraphic transfers. Over the years the bank enjoys a large customer base attributed to its affordable bank interests and friendly and flexible staff. The online banking employed by the bank as shown by Nguyen & Cumming (2016 pg 32) allows for customer convenience and effectiveness in terms of service delivery.

The online banking apps according to Schenkel (2017 pg 54) makes the company products such as home loans and insurance convenience to its large customer markets in its many subsidiaries across the globe. Schenkel (2017 pg57) further states that the bank enjoys a wide range of products and services as opposed to many banks in Australia and other parts of the world that may only major into bank deposits and loans.

As opposed to other banks ADB offers financial and investment advice to customers to ensure an all informed and reliable customer segment. According to Seltzer (2017 pg 55-65), this has been successful because of the existence of competent, skilled and friendly workforce. Consultancy services are mainly offered via telephone. Company Products ADB offers retail banking services and products to a large customer base approximating to over 1.5 million retail customers.

The services and products are offered through a network of more 400 subsidiaries and agencies globally as shown by Haq et al (2016 pg 32). The bank's main focus on customer and community has given it a competitive advantage in the market. According to Dungey et al (2016 pg 43), the banks have enjoyed community involvement strategy for more than 100 years. Many scholars have argued that community participation strategy has been the major differentiation strategy employed by ADB and the unique strategy has generated customer acceptability and high profits for the bank as discussed by Du & Sim (2016 pg 41). The bank has emerged as the best in home loans at favorable interest rates and hence established itself in the market as a successful product innovator specializing in mortgage broker’ s home loans and mortgage market manager (Haider & Tong 2016 pg 20).

The bank has attracted many customers and today in Australia more than 34% of people source their loans through a mortgage manager and the banks suit for home loans, therefore, suits this customer segment as further purported by Haider & Tong (2016 pg 31).

References

List of references

Bao, H., 2017. Evaluation of Pre and Post Demerger-Merger Performance: Using ABN AMRO Bank as an Example. International Journal of Economics and Finance, 9(2), p.196.

De Jong, P., Choo, W. and Loudon, G., 2016. An Early Warning Tool for Measuring the Build-Up of Systemic Risks in Banks and Financial Systems.

Du, K. and Sim, N., 2016. Mergers, acquisitions, and bank efficiency: Cross-country evidence from emerging markets. Research in International Business and Finance, 36, pp.499-510.

Dungey, M., Matei, M., Luciani, M. and Veredas, D., 2016. Surfing through the GFC: Systemic risk in Australia. Economic Record.

Haider, A. and Tang, S.S., 2016. Maximising Value through IT and Business Alignment: A Case of IT Governance Institutionalisation at a Thai Bank. International Journal of Technology Diffusion (IJTD), 7(3), pp.33-58.

Haq, M., Avkiran, N.K. and Tarazi, A., 2016. Does market discipline impact bank charter value? The case for Australia and Canada. Accounting & Finance..

Nguyen, L.D. and Cummings, J.R., 2016. Impact of Higher Capital Requirements on Bank Funding Costs: Australian Evidence.

Schenkel, A., 2017. Proportionality of Banking Regulation-Evidence from Germany.

Seltzer, A.J., 2017. Implicit contracts and acquisitions: An econometric case study of the 19th century Australian banking industry. German Journal of Human Resource Management, p.2397002216682463.

https://www.investing.com/equities/bendigo-bk-balance-sheet

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