Assignment
Case Study Guidelines.
See below for further explanation on the case report. Feel free to work in groups on the report, but your answers must be submitted individually without plagiarism!
Introduction:
Over the past century we have gone through three globalizations. The first, in the years before World War I, was based on mass commodities and infrastructure investments. The second, which only outstripped the first wave of globalization beginning in the 1980s, focused on mass manufactured goods and the capital equipment. Now, we are entering a third stage of globalization - one that is layered on dimensions of the prior two - in which the center of profitability has shifted toward the retail interaction. This trend is called "Global Retail", or, less euphonically, "globalization". The goal of this assignment is to see how a successful European retail banking organization confronts the opportunities and challenges of globalization. Therefore, the article focuses on how they make their loans and tries to find the differences between their strategies, which appear to be well suited to the fragmented regulatory market in Europe, and the U.S. model of consumer lending.
Assignment Questions:
1. Describe and evaluate the Country/Political Risk faced by this organization and describe its successes and failures.
2. What has been the lending strategy followed by Santander? Are lending decisions based on the credit background of the borrower, or on the riskiness of the venture? How do they manage risk? How do they finance their loans? Why is there so little cross-border borrowing?
3. How is the lending strategy different to US commercial banks?
4. As a consultant to the CEO, what would you suggest Magda Salarich do now? Obtain, identify and evaluate the data and conduct a multi-perspective analysis of the evidence to make a logical recommendation for solving the problem with a global perspective.
5. Defend your recommendation and communicate your beliefs clearly and accurately.
Format your assignment according to the following formatting requirements:
1. The answer should be typed, double spaced, using Times New Roman font (size 12), with one-inch margins on all sides.
2. The response also includes a cover page containing the title of the assignment, the student's name, the course title, and the date. The cover page is not included in the required page length.
3. Also include a reference page. The Citations and references should follow APA format. The reference page is not included in the required page length.