Transcript: Cultural comparaison One of the largest universal banks in the world Germany Deutsche Bank Deutsche Bank Nordea Bank The headquarters country Nordea as we know it today have been operating since December 2001. With its 11 million costumers, and approximately 1.400 branch offices in nine different home markets, Nordea is the largest financial services group in the Nordic and Baltic Sea region. Nordea is listed on the NASDAQ OMX Nordic Exhange in Stockholm, Helsinki and Copenhagen. Their headquarters are in Stockholm, Sweden. In more than 70 countries around the world Leader in its domestic market = Germany Excellent position in Europe. Well established in : -North America -Emerging markets (Asia)
Transcript: Women in Business Conference Deutsche Bank Background: German roots International brand "We aspire to be the leading client-centric global universal bank" Diversity Accepting Motto-Passion to Perform DB sponsored the Women in Business Conference First in NY (1995) 50 conferences; Frankfurt, NY, London, Singapore and Sydney Attracts >5000 employees and clients per annum This was a tough one ): Preparing for a changing environment? DB's 3rd Annual Women in Asian Business Conference Trust in banks has DECLINED among general public DB's response: Banking must become more sustainable; economically, socially and environmentally Show sensitiveness to the interests of society Value clients, employees and communities and shareholders Interesting goal: 25% of Senior Management positions to be held by women by 2018 THE POWER OF AUTHENTICITY Topic: diversity + leadership in workplace *To advocate the importance of gender-balanced leadership at work BY INVITATION ONLY Key Message: Women have the power to be leaders DB wants more women to be aware and a part of it all! Visuals: Soft colours Artwork by Myoung Ho Lee Tree separated from background reflects uniqueness and "standing out" Deranged subject and image Represents women from different walks of life How to improve: Bolder copy! Deutsche Bank Women in Asian Business Conference And... DB wants to get more women to join them? Enjoy perks of useful, empowering conferences Subtle recruitment message Tie-in with goals of DB Maaaybeeeeee... So why ADVERTISE a by-invitation-only event?
Transcript: According to Bloomberg, “[The German lender] has racked up more expenses for litigation and fines since the start of 2008 than any other financial firm.” IMF The penalty aims to settle allegations, dating back to 2005, about the way the bank selected mortgages, packaged them into bonds and sold on to investors. These bonds are known as residential mortgage-backed securities (RMBS) Brexit Objective: To transact banking business of all kinds, in particular to promote and facilitate trade relations between Germany, other European countries and overseas markets. PURAHOO Yuvaraj KHELAWON Neelesh NEERGHEEN Vanisha GRUROCHURN Chandresh • In 2008, the collapse of a single American bank, Lehman Brothers,can bring about a recession in many other parts of the world. A collapse of Deutsche Bank would, as in 2008, make banks reluctant to lend to each other IMF stated that , DB is Europe’s largest investment bank and has assets of more than half the German economy,may be the biggest contributor to systemic risk Systemic risk : risk of collapse of an entire financial system Mis-selling & Misprice of assets Future impacts on the Financial Market • This ‘contagion’ would be felt right across Europe and would soon result in less money being available to lend to households and businesses. Unemployment would go up Spillover from Deutsche Bank to globally systemically important banks Deutsche is the first European bank that appears to have started talks with the over RMBS. Barclays and the Swiss bank UBS are among others waiting for settlement talks to be concluded. Founded in Berlin in 1870 as a specialist bank for foreign trade. The largest bank in Germany. One of the most important financial institutions in the world. The Collapse of Deutsche Bank 2016 During the financial crisis, the mis-selling of mortgaged securities, the bank nearly drop to Thank you for your attention !! DB reported a negative revenue in Q4 2015 Although, it has been already struggling in terms of profitability RBMS : comprised of a pool of mortgage loans created by banks and other financial institutions Counterproposal : an alternative proposal made in response to a previous proposal that is regarded as unacceptable or unsatisfactory. Impacts on the financial market Conclusion Causes of the Collpase of Deutsche Bank : litigation : process of taking legal actions When it was actually making a loss of $12m Brexit decision affected DB strongly DB is the largest European bank in London Receives 19% of its revenues from UK European stocks were lower as soon as markets opened. Banks were the biggest losers and Deutsche Bank (DB) shares fell below 10 Euros for the first time in history. Deutsche Bank pay a $14 billion fine for mis-selling mortgage-backed securities (Mispriced assets) Possible Impact The market value of Germany lender has nearly 1/2 in 2016 10 of DB's 800 Hedge Fund client pulled out and affected the European banking sector 14% Caused the bank’s New York-listed stock to slide by 6.6%
Transcript: 1850 1947: America announces a plan to decentralize the banking system in their zone and break down the three great banks into smaller pieces. French followed America’s lead with a similar plan in their zone. Britain did as well but delayed in doing so for about a year. 1960 – 1994: German GNP increases by a factor of 10. 1880s: German banks begin to form syndicates, groups of banks, to underwrite new security issues in order to minimize the risk. 1874: First industrial bond is issued by the steel firm of Friedrich Krupp. 1933: Two bank director’s resign due to Anti-Semetic pressures. 1938 – 1945: Nazi influence increases:New laws were created that restricted the bank accounts of all Jews. Withdrawals had to be approved by the state and when any individual left the country (willingly or by force) their assets must be turned over to the government.Aryanization of property.Strict-capital market controls were imposed which prohibited the flotation of most private securities. Involved in both short-term and long-term financing of its industrial customers, Deutsche Bank was able to develop close relationships with them.1897: Became the house bank for Siemens and Halske. Placed one of its own managing directors on their board. Siemens and Halske maintained their current account at Deutsche Bank and relied on the bank to place new debt and equity issues.Deutsche Bank controlled proxy voting rights of some of Germany’s most powerful companies and thus had influence over their development. 1960 – 1994: The bank’s total assets increase by a factor of 51 but staffing only increases by a factor of less than 4. This was due to changes in technology. Summer of 1931: German banking system breaks down entirely and DANAT-bank is forced to suspend payments.A bank holiday is declared from July 14 – August 5 to prevent a run on the banks. Currency controls are implemented on July 15. WWI: Increase in government demand for loans. January 18, 1871: Establishment of the new German Empire.1913: At this time sum of the assets of the entire German banking system was 50 billion marks. The privately owned banks totaled 20.4 billion marks, and the 8 great banks held assets of 7.8 billion marks total. 1957: Deutsche Bank reconstitutes itself into a single banking enterprise. 1913: At this time sum of the assets of the entire German banking system was 50 billion marks. The privately owned banks totaled 20.4 billion marks, and the 8 great banks held assets of 7.8 billion marks total. 1949 – 1950: German bank leaders push for recentralization of the German banking system. 1950s and 1960s: Wages and salaries rise rapidly. WWI: By the end of the war, Deutsche Bank was in a severely weakened position; most foreign assets had disappeared as had the bank’s business in commercial bills and stock market transactions. 1931: Berlin issues its reparations declaration.Real GNP begins to fall sharplyThe United States imposes high tariffs on imports. From 1928 – 1931 German exports decrease by 14% and fall another 31% from 1931 – 1932. 1929: Entered the savings deposits market and introduced savings certificates because they were low on funds. 1873 – 1876: Deutsche Bank takes over 5 failing banks to become the largest bank in Germany (based on assets). 1870: Deutsche Bank is founded to help finance a surge in German foreign trade. Founded as a joint-stock bank.Management structure consisted of two groups: The supervisory board and the board of managing directorsThe company’s core business was the current account which helped manage short-term deposits and short-term loans. 1980: Deutsche Bank had acquired 12 foreign branches by this year. Another 65 were acquired in the following decade. 1913: Deutsche Bank held assets totaling 2.2 billion marks. 1871 – 1874: Deutsche Bank opens branches in Bremen and Hamburg and expands to Shanghai, Yokohama, New York, Paris and London. The Shanghai and Yokohama branches close in 1874. 1879: Deutsche Bank participates in a new security issue for Friedrich Krupp. 1956: German government removes all restrictions on the scope of credit institutions. 1928: Because of both political unrest and Germany’s resistance to paying back reparations from the war, many foreign deposits were moving out of Germany. 1880s – 1890s: The bank begins to participate in syndicates to underwrite new security issuances. During the 1880s and 1890s they worked with some of the most prominent names in German business. 1918 – 1923: Germany experiences a period of hyperinflation caused by the government’s resistance to reparations burdens and their increasing the money supply in efforts to reduce unemployment. Prices skyrocket and the exchange rate collapses. 1933: Hitler establishes himself as dictator of Germany. 1918 – 1923: Deutsche Bank had to hire thousands of new employees to keep up with the period of hyperinflation. 1873: Many newly formed banks fail. 1850s – 1860s: German imports and exports surge 1938 – 1945: Nazi influence
Transcript: #PositiveImpact THE PROJECT TEAM B1.2 Isabelle Schmidt-Park Product Owner Cindy Lieu SCRUM Master Oleg Gerasin Back & Front-end Developer Maksim Gotovchits Back-end Developer Claudia Zhou Front-end Developer Nomin Batsaikhan Front-end Developer German Mikulski Testing & Developer 1 OUR VALUES #PositiveImpact Focus on customer perspectives What do they want to see? What do they want to know? What do they want to get out of the application? Selvyn Design with the user in mind 2 THE BUSINESS BUSINESS NEEDS Purpose Improve Investment Services App Problem Unable to access trade information Scope Increase the usability within budget of €50K in under 5 months 3 THE APPLICATION Functional Requirements View all data tables View correlations Identify Average buy and sell price Ending positions Realized profit/loss Effective profit/loss Non-Functional Requirements Quick data access Reduce number of clicks Easy navigation Readable charts and graphs 4 STAKEHOLDERS MANAGEMENT Stakeholder Grid Keep stakeholder engagement Interviews Workshops Media updates 5 SCHEDULE & MILESTONES 6 RISK MANAGEMENT Impact & Probability Matrix 7 THE TECHNOLOGY DEMONSTRATION 8 ARCHITECTURE 9 SECURITY 10 THE FUTURE LESSONS LEARNED 1 What went wrong What we learned No schedule for deliverables Different skill levels Developing in unfamiliar environment Include deliverables into schedule Leveraging strengths & talents Learned from each other 11 LESSONS LEARNED 2 Technical Business 12 MOVING FORWARD Continuous improvement Add more functionality Expand user base Keep customers satisfied! Selvyn 13 CRITICAL PATH VIDEO https://vimeo.com/user75775187/review/285453017/aee56288e9 USER STORIES
Transcript: $7 billion loss in 3 quarter dividend = 83 cents a share reduction & elimination of dividend Deutsche Bank after 8.10. Marek Breza Deutsche Bank nearly $7 billion loss stock fell 6% deter investors from NYSE & FSE About Deutsche bank in 12 months stock down about 14%. $6.5 billion Postbank regulation requirements Espionage scandal Housing credit bubble DB in Russia $1.3 billion for anticipated litigation battles biggest German bank $673 million underwriting own nearly 20% of China bank expecting loss Reason Result other problems
Transcript: Asset Wealth Management Jürgen Fitschen - Co-Chairman Anshu Jain - Co-Chairman Stefan Krause - Chief Financial Officer Dr. Stephan Leithner - CEO Europe (except Germany and UK), Human Resources, Legal & Compliance, Government & Regulatory Affairs Stuart Lewis - Chief Risk Officer Rainer Neske - Head of Private & Business Clients Henry Ritchotte - Chief Operating Officer Management Structure Michele Faissola - Head of Deutsche Asset & Wealth Management PBC operates under a single business model across Europe and selected Asian markets. PBC serves retail and affluent clients as well as small and medium sized business customers. The PBC Corporate Division is organized into the following business units: — Advisory Banking Germany, which comprises all of PBC’s activities in Germany excluding Postbank. — Advisory Banking International, which covers PBC’s European activities outside Germany and PBC’s activities in Asia including our stake in and partnership with Hua Xia Bank. — Consumer Banking Germany, which mainly comprises the contribution of Postbank Group to the consolidated results of Deutsche Bank. Corporate & Investment Bank Private & Business Clients Deutsche Bank With € 931 billion of invested assets as of December 31, 2013.. AWM helps individuals and institutions worldwide to protect and grow their wealth, offering traditional and alternative investments across all major asset classes. AWM also provides customized wealth management solutions and private banking services to high-net-worth and ultra-high-networth individuals and family offices. AWM comprises former Private Wealth Management (PWM) and Asset Management (AM) businesses as well as passive and third party alternatives businesses that were re-assigned from CB&S to AWM in the fourth quarter 2012. AWM now consists of two major pillars: Investment Platform and Coverage/Advisory. A powerful investment platform is the engine that drives our client solutions. It comprises three main units: Active investments Passive investments Alternative investments Colin Fan
Transcript: 1-43 Deutsche Lane Tel: 284-Deutsche Hi there! This is an interactive Prezi CV. Use your mouse to explore it (zoom in/out with the scroll button) or simply follow the slides. Deutsche Bank Deutsche Head Quarters Deutsche Bank MESSAGES MAIIA WHITE HORACIO FERNANDEZ FRANCISCO HERRERA RACHELLE LAURENT BUSINESS ETHICS GROUP CHAT Ethical Issue EDUCATION Money Laundering In 2017, Deutsche Bank was fined a total of $630 million (€553.5 million) by US and UK financial authorities over accusations of having laundered money out of Russia. According to US and British regulators, Deutsche Bank's anti-money laundering control mechanisms failed to spot sham trades with a value of up to $10 billion, not knowing who the customers involved in the trades were and where their money came from. "These flaws allowed a corrupt group of bank traders and offshore entities to improperly and covertly transfer more than $10 billion out of Russia," the regulators said. Laundering Russian money Relevant Facts Facts The pair identified numerous “high-risk entities”. They included 1,244 in the US, 329 in the UK and 950 in Germany. These entities were responsible for nearly 700,000 transactions, the report says, involving at least £62m in the UK, $47m in the US, and €55m in Germany. As part of its investigation, Deutsche Bank sent 149 “suspicious activity reports” to the National Crime Agency in London. Similar disclosures of potential money-laundering transactions were made to authorities in the US and elsewhere – with 30 private and corporate Deutsche Bank clients reported. Some may have been “unknowingly used”, the report says. The affair is a further blow to Deutsche Banks’s ailing reputation. It comes amid police raids on its Frankfurt HQ over the Panama Papers, a plunging share price and talks over a possible merger with Germany’s Commerzbank. The raid last November came after German prosecutors alleged two bank employees helped clients launder money via offshore firms. Deutsche is also under scrutiny in Washington over its financial dealings with Donald Trump. On 15 April, Democrats from the House intelligence and financial services committees issued a subpoena, demanding the bank provide documents about its lending to the president. Over two decades, Trump borrowed more than $2bn from Deutsche. In 2008, he defaulted on a $45m loan repayment and sued the bank. Its private wealth division in New York subsequently loaned Trump a further $300m – a move that bemused insiders and which has yet to be fully explained. In recent years, the bank has had a series of bruising encounters with international regulators. Between 2011 and 2018, it paid $14.5bn in fines, with exposure to dubious Russian money a regular theme Stakeholders CODE OF CONDUCT CODE OF CONDUCT The code articulates what our bank stands for and what we want our overall culture to be. We want to foster an environment that is open and diverse, where staff opinions and "speaking up" are valued and our employees ' and the firms success is built on respect , collaboration and teamwork in serving our clients, stakehlders and communities. We have embedded our values and beliefs in our recruiting, interviewing, and on-boarding processes as well as developments activites. In 2014, we focused on engaging employees throughout Deutsche Bank with what these values mean. We encourage visible and measurable changes in behavior as well in policies, processes, and practices. Workshops across Deutsche Bank aim to engage small groups and reinforce the need for alignment and change, while also identifying opportunities to drive business performance. VALUES VALUES Last year, dozens of police raided six Deutsche Bank offices in and around Frankfurt over money laundering allegations linked to the "Panama Papers". Germany's Financial market watchdog BaFin last year ordered Deutsche to do more to prevent money laundering. In 2017, Deutsche Bank was fined nearly $700 million for artificial trades between Moscow, London and Newyork that could have been used for money laundering. An investigation by the U.S. Department of Justice is sttill ongoing. CONSEQUENCES CONSEQUENCES Deutsche Bank attaches great importance to protecting labor right and employee rights. We respect the right to freedom of association and collective bargaining, and we cultivate a constructive and trust-based relationship with employee representatives and trade unions at alll levels. We are paying greater attention to appropriate behavior by busness partners. RIGHTS/ DUTIES RIGHTS/DUTIES Virtues Deutsche Bank did not apply. . . 1. Purity 2. Temperance 3. Charity 4. Diligence 5. Patience 6. Kindness 7. Humility Relevant Relationships RELEVANT RELATIONSHIPS After Russia’s incursion into Crimea, sanctions by the European Union and the U.S. against Russia forced President Putin to declare “offshorization” illegal in an attempt to keep Russian businesses at home and prevent the declining exchange rate of the ruble from damaging the Russian
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