HSBC Bank in New Zealand: Business Environment Analysis
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This report examines the business environment of New Zealand, focusing on the opportunities and challenges for HSBC Bank in establishing a new branch. It utilizes PESTLE analysis to assess the political, economic, social, technological, environmental, and legal factors influencing the banking sector. Additionally, Porter's Five Forces model is applied to analyze the competitive landscape, including the threat of new entrants, bargaining power of buyers and suppliers, and the threat of substitutes. The report concludes by highlighting key business opportunities for HSBC in New Zealand, emphasizing the importance of understanding the local context and tailoring strategies accordingly.
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BUSINESS ENVIRONMENT AND
ORGANIZATION
ORGANIZATION
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INTRODUCTION
The business environment is the combination of all internal as well as external factors that affect
the performance of the business. It includes factors such as clients, customers, suppliers,
government agencies, culture, law compliance etc. which can contribute towards the growth of the
organization. This report helps in recognizing the role of the business environment within the
context of HSBC Bank. It is one of the largest banks of Europe, which provides various banking and
financial services. This report also discusses factors that need to consider while developing a new
branch of HSBC. It also shows the analysis of the business environment through PESTLE analysis and
Porter's five forces. Along with that, it discusses business opportunities for the attaining the goal of
the organization.
The business environment is the combination of all internal as well as external factors that affect
the performance of the business. It includes factors such as clients, customers, suppliers,
government agencies, culture, law compliance etc. which can contribute towards the growth of the
organization. This report helps in recognizing the role of the business environment within the
context of HSBC Bank. It is one of the largest banks of Europe, which provides various banking and
financial services. This report also discusses factors that need to consider while developing a new
branch of HSBC. It also shows the analysis of the business environment through PESTLE analysis and
Porter's five forces. Along with that, it discusses business opportunities for the attaining the goal of
the organization.
BACKGROUND
HSBC is one of the world’s leading banking and financial services organizations (Trudeau, et al.
2017). It covers 67 countries and zones across America, Asia, Africa, Europe etc. Along with that, it
has 38 million customers around the world. The revenue of HSBC was $51.445 billion in 2017 with
the asset of $2.521 billion. It is world’s seventh-largest bank by total assets and largest in Europe by
$2.374 trillion (Islam, 2018). It deals with personal banking, business banking, mortgage, wealth and
retail management, loan, credit cards and many more financial services. HSBC operations are taking
place in every financial market of the country as it is the largest bank in Hong Kong and print its
local currency as well (Huang, 2015). It ranked first by Western Europe and stands on the fourth-
largest bank by assets and measured as one of the trusted banks in India according to The Brand
trust report, 2015 The structure of the organization is divided into four business groups as global
banking, investment banking, retail and wealth management and private banking.
HSBC is one of the world’s leading banking and financial services organizations (Trudeau, et al.
2017). It covers 67 countries and zones across America, Asia, Africa, Europe etc. Along with that, it
has 38 million customers around the world. The revenue of HSBC was $51.445 billion in 2017 with
the asset of $2.521 billion. It is world’s seventh-largest bank by total assets and largest in Europe by
$2.374 trillion (Islam, 2018). It deals with personal banking, business banking, mortgage, wealth and
retail management, loan, credit cards and many more financial services. HSBC operations are taking
place in every financial market of the country as it is the largest bank in Hong Kong and print its
local currency as well (Huang, 2015). It ranked first by Western Europe and stands on the fourth-
largest bank by assets and measured as one of the trusted banks in India according to The Brand
trust report, 2015 The structure of the organization is divided into four business groups as global
banking, investment banking, retail and wealth management and private banking.
BACKGROUND INFORMATION ON BUSINESS ENVIRONMENT IN NEW ZEALAND
The business environment is the summarise format of all the factors which directly or indirectly
influence the operational activity or organization. The traits are known as customers, competitors,
suppliers and social, cultural, political, legal and technological factors, which are considered as the
factors of the business environment (Terceno, et al. 2017). The business environment helps in
analysing the strengths and weaknesses of the organization and gives direction for the growth of
the business. It is difficult to predict the changes in a business environment when the organization
set their operation in the new country. The business environment varies from place to place as the
environment of New Zealand is different from other countries.
New Zealand is a small country but it has done notable progress in the recent past and brings
various changes in the country to raise the economy positively towards the growth of the economy.
The report shows the detail examination of New Zealand through PESTLE analysis with respect to
opening a new branch by HSBC banking industry (Zalengera, et al. 2014). The PESTLE analysis helps
the bank to recognize the business environment of New Zealand. HSBC can form their strategies of
opening the new branch in New Zealand, through evaluating these factors which can influence the
performance of the industry. The PESTLE analysis consists of the following factors as follows:
Figure 1: PESTLE Analysis
[Source: Lee, 2016]
The business environment is the summarise format of all the factors which directly or indirectly
influence the operational activity or organization. The traits are known as customers, competitors,
suppliers and social, cultural, political, legal and technological factors, which are considered as the
factors of the business environment (Terceno, et al. 2017). The business environment helps in
analysing the strengths and weaknesses of the organization and gives direction for the growth of
the business. It is difficult to predict the changes in a business environment when the organization
set their operation in the new country. The business environment varies from place to place as the
environment of New Zealand is different from other countries.
New Zealand is a small country but it has done notable progress in the recent past and brings
various changes in the country to raise the economy positively towards the growth of the economy.
The report shows the detail examination of New Zealand through PESTLE analysis with respect to
opening a new branch by HSBC banking industry (Zalengera, et al. 2014). The PESTLE analysis helps
the bank to recognize the business environment of New Zealand. HSBC can form their strategies of
opening the new branch in New Zealand, through evaluating these factors which can influence the
performance of the industry. The PESTLE analysis consists of the following factors as follows:
Figure 1: PESTLE Analysis
[Source: Lee, 2016]
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Political Factors:
While starting the new branch by HSBC, they need to make sure about the economic stability,
political features and law and compliance of the country. New Zealand has established a
government which has certain rules on banking sector but it gives trade freedom to industry as
well, this can help the new branch of HSBC for expanding their operations globally (Kelsey, 2015).
The labour laws are strict in New Zealand and labour-force is expensive so, for that company can
relocate the employees to New Zealand. It also has the high range of tax policies because the
lending rates of the country are high.
Economical Factor:
New Zealand is the mixed economy, which has the GDP with the growth of 2.8% in 2017 that was
equivalent to 300 per cent of the world's average. The resources for the banking sectors are also
available as it has approx. 7 million populations (Kelsey, 2015). The inflation rate is also low so the
banking sector can develop their investment banking and due to the large population, the services
as mortgage, loan, corporate banking and insurance can also rise in the country. The
unemployment rate is also low so the people can easily invest in the banking sector. The economic
factors are the positive sign of the country which can be helpful in the growth of the newly set-up
banking industry.
Social Factors:
Figure 2: Issues faced by New Zealand
[Source: Andrew, 2014]
While starting the new branch by HSBC, they need to make sure about the economic stability,
political features and law and compliance of the country. New Zealand has established a
government which has certain rules on banking sector but it gives trade freedom to industry as
well, this can help the new branch of HSBC for expanding their operations globally (Kelsey, 2015).
The labour laws are strict in New Zealand and labour-force is expensive so, for that company can
relocate the employees to New Zealand. It also has the high range of tax policies because the
lending rates of the country are high.
Economical Factor:
New Zealand is the mixed economy, which has the GDP with the growth of 2.8% in 2017 that was
equivalent to 300 per cent of the world's average. The resources for the banking sectors are also
available as it has approx. 7 million populations (Kelsey, 2015). The inflation rate is also low so the
banking sector can develop their investment banking and due to the large population, the services
as mortgage, loan, corporate banking and insurance can also rise in the country. The
unemployment rate is also low so the people can easily invest in the banking sector. The economic
factors are the positive sign of the country which can be helpful in the growth of the newly set-up
banking industry.
Social Factors:
Figure 2: Issues faced by New Zealand
[Source: Andrew, 2014]
Social factors of the country consist of changes in government policies, demographic features,
customs and trends of population etc. The political system of New Zealand is strong enough to
enhance the growth of the banking system and it also welcomes the foreign direct investment in
the country (Schyns, et al. 2016). The foreign investors get influenced by stability in government
within the country. The literacy rate is high and life expectancy of people is also about 80 years,
which can be a beneficial aspect for banking sectors in the country. The population is divided into
different cities with less unemployment ratio which influence the culture of the country. So, people
can come up at large scale to take advice from banks related to business, home, and academics etc.
Technological Factors:
New Zealand uses the most updated technology in education which is considered as the best
education system around the world and increases the literacy rate of the country. It also uses the IT
technology and internet in urban as well as rural area (Montazemi, 2015). Therefore the banking
industry can also use mobile application for regulating the banking transactions in the country as
the high technology is excess in the country it can be helpful for banking sector for implementing
the transaction among the people of the country.
Environmental Factors:
The country has the unique quality of the ecological system and the population are also aware of
the changing environment. This factor can be helpful for banking sector for providing online private
banking, loan or mortgage to individuals. New Zealand uses the latest technology to deal with the
pollution. The banking sector of the country used mobile apps and online transaction which
decreases the use of paper. Thus technological enhancement in the economy can be helpful in
establishing a new branch as it reduces the time and cost of the industry.
Legal Factors:
The government of the country changes and it reduces the crime rate from the country. The new
businesses are establishing their operation as there is larger scope for developing their business at
New Zealand but the profit margin is less because the government of the country charges high
lending amount from the businesses (Cruz, 2017). New Zealand offered business and trade freedom
to the organization which can be the positive aspect for newly set-up business and the legal
customs and trends of population etc. The political system of New Zealand is strong enough to
enhance the growth of the banking system and it also welcomes the foreign direct investment in
the country (Schyns, et al. 2016). The foreign investors get influenced by stability in government
within the country. The literacy rate is high and life expectancy of people is also about 80 years,
which can be a beneficial aspect for banking sectors in the country. The population is divided into
different cities with less unemployment ratio which influence the culture of the country. So, people
can come up at large scale to take advice from banks related to business, home, and academics etc.
Technological Factors:
New Zealand uses the most updated technology in education which is considered as the best
education system around the world and increases the literacy rate of the country. It also uses the IT
technology and internet in urban as well as rural area (Montazemi, 2015). Therefore the banking
industry can also use mobile application for regulating the banking transactions in the country as
the high technology is excess in the country it can be helpful for banking sector for implementing
the transaction among the people of the country.
Environmental Factors:
The country has the unique quality of the ecological system and the population are also aware of
the changing environment. This factor can be helpful for banking sector for providing online private
banking, loan or mortgage to individuals. New Zealand uses the latest technology to deal with the
pollution. The banking sector of the country used mobile apps and online transaction which
decreases the use of paper. Thus technological enhancement in the economy can be helpful in
establishing a new branch as it reduces the time and cost of the industry.
Legal Factors:
The government of the country changes and it reduces the crime rate from the country. The new
businesses are establishing their operation as there is larger scope for developing their business at
New Zealand but the profit margin is less because the government of the country charges high
lending amount from the businesses (Cruz, 2017). New Zealand offered business and trade freedom
to the organization which can be the positive aspect for newly set-up business and the legal
implications for the international business community is very negligent that can be helpful for the
banking industry to follow their own laws and trade structure.
The financial system of New Zealand also influences the performance of the newly set-up banking
sector (Naheem, 2015). New Zealand banking system is highly reserve as the country owned banks
account with only 8%. The financial system is dominated by the Australian owned banks and there
is funding from offshore with a maturity period of less than a year (Murray, et al. 2014). Majority
funding is for short-term and 20 per cent of mortgages are not fixed. The retail rates also become
high due to the high cost of fund therefore newly set up banking can develop their business while
developing these factors which are faced by New Zealand and affects the economy.
banking industry to follow their own laws and trade structure.
The financial system of New Zealand also influences the performance of the newly set-up banking
sector (Naheem, 2015). New Zealand banking system is highly reserve as the country owned banks
account with only 8%. The financial system is dominated by the Australian owned banks and there
is funding from offshore with a maturity period of less than a year (Murray, et al. 2014). Majority
funding is for short-term and 20 per cent of mortgages are not fixed. The retail rates also become
high due to the high cost of fund therefore newly set up banking can develop their business while
developing these factors which are faced by New Zealand and affects the economy.
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ANALYSIS OF THE BUSINESS SCENARIO
To know the competitiveness in the economy, it is required for the industry to analyse the overview
of the business environment. This overview can be helpful in knowing the business opportunities
for the banking industry. The industry needs to know about the business scenario to develop the
opportunities for their businesses. For knowing the performance of the business and opportunities
for the development of the banking sector, it is required to develop analytical approaches within
the organization (Riasi, 2015). The analytical approaches help in recognizing the distribution of
power between different types of industry within the country and these examinations are possible
through the analytical approach of Porter’s five forces. These forces are discussed as follows:
Figure 3: Porter's five forces model
[Source: Hanlon, 2016]
To know the competitiveness in the economy, it is required for the industry to analyse the overview
of the business environment. This overview can be helpful in knowing the business opportunities
for the banking industry. The industry needs to know about the business scenario to develop the
opportunities for their businesses. For knowing the performance of the business and opportunities
for the development of the banking sector, it is required to develop analytical approaches within
the organization (Riasi, 2015). The analytical approaches help in recognizing the distribution of
power between different types of industry within the country and these examinations are possible
through the analytical approach of Porter’s five forces. These forces are discussed as follows:
Figure 3: Porter's five forces model
[Source: Hanlon, 2016]
The threat of new entry:
This factors consist of entrance of new industry within the market as a new branch is opened by
HSBC in New Zealand and development of a new branch can face threat of new entry as issues by
Australian-owned banks as the majority of funding is performed by them and it can create a barrier
for banking industry but due to risk of high-interest rate and short-term funding the opportunity for
entering the new banking sectors are increases. If the newly set-up bank overcome with these
factors of New Zealand then it can cause the benefit to the industry as well as reduces threaten of
new entry within the country (Pan, et al. 2017). Therefore opportunities for newly set-up branch of
HSBC is to bring unique banking and financial services as loans, mortgage, credit, and interest rate
for the individuals, corporate and business sectors of the economy of New Zealand.
Power of customers:
It includes the power of the customers to influence the performance of the organization in the
economy. As the population is spread among different cities of New Zealand, therefore, the
numbers of customers are not huge for the banking sector and they could not influence the pricing
strategies of the industry (Alley, 2017). The literacy rate of customers is high which can influence
the performance of the industry within the economy but there are only New Zealand and
Australian-owned banking system due to which customers don’t have enough choice and they need
to follow the norms of the newly set-up banking sector. Thus, the business opportunity for the
banking sector is to influence the customers towards their services by offering them attractive and
effective financial services. Therefore the power of customers in New Zealand is not very high for
banking sectors.
Threats of substitutes:
When there are the availability of alternatives in the context of the organization then there is
threatening of substitute because customers can shift to another alternative or substitute if they
are not satisfied with the services of any industry they can switch their preferences. The power of
substitution is not very high in the banking sector of New Zealand as the customers don't have a
large number of alternatives available in the market. The country is facing obstacles in the field of
banking and financial services. Therefore, business opportunities for the new banking sector is to
come up with financial services and also overcome the barriers faced by banking sector of the
This factors consist of entrance of new industry within the market as a new branch is opened by
HSBC in New Zealand and development of a new branch can face threat of new entry as issues by
Australian-owned banks as the majority of funding is performed by them and it can create a barrier
for banking industry but due to risk of high-interest rate and short-term funding the opportunity for
entering the new banking sectors are increases. If the newly set-up bank overcome with these
factors of New Zealand then it can cause the benefit to the industry as well as reduces threaten of
new entry within the country (Pan, et al. 2017). Therefore opportunities for newly set-up branch of
HSBC is to bring unique banking and financial services as loans, mortgage, credit, and interest rate
for the individuals, corporate and business sectors of the economy of New Zealand.
Power of customers:
It includes the power of the customers to influence the performance of the organization in the
economy. As the population is spread among different cities of New Zealand, therefore, the
numbers of customers are not huge for the banking sector and they could not influence the pricing
strategies of the industry (Alley, 2017). The literacy rate of customers is high which can influence
the performance of the industry within the economy but there are only New Zealand and
Australian-owned banking system due to which customers don’t have enough choice and they need
to follow the norms of the newly set-up banking sector. Thus, the business opportunity for the
banking sector is to influence the customers towards their services by offering them attractive and
effective financial services. Therefore the power of customers in New Zealand is not very high for
banking sectors.
Threats of substitutes:
When there are the availability of alternatives in the context of the organization then there is
threatening of substitute because customers can shift to another alternative or substitute if they
are not satisfied with the services of any industry they can switch their preferences. The power of
substitution is not very high in the banking sector of New Zealand as the customers don't have a
large number of alternatives available in the market. The country is facing obstacles in the field of
banking and financial services. Therefore, business opportunities for the new banking sector is to
come up with financial services and also overcome the barriers faced by banking sector of the
country. Through which they don’t need to face threaten of substitute and can also enhance the
profitability in their industry. Thus threats for substitute are not influenced much by the banking
industry in the economy of New Zealand.
Supplier power:
The suppliers are the person who offered the services in the economy. If there is a large number of
suppliers in the market they can influence customers easily and affect the performance of the
newly set-up businesses (Avlonitis, et al 2015). The existing supplier of the banking industry in New
Zealand is Australian-owned banks which influence the majority amount of banking system and
control over the retail and interest rates of banking. There are not so many suppliers in the banking
sector but the Australian owned-banks hold the power in the country. It is quite difficult to sustain
in the banking industry of New Zealand because the suppliers in this sector are powerful but the
new banking system has the opportunity to decrease the supplier power by offering the people a
variety of financial services and alternatives, as this can overcome from the issue of supplier power
in the economy of New Zealand.
Competitive rivalry:
Competitive rivalry means the competitive environment in the economy. The more competitiveness
in the economy can cause instability for a new entrance. It shows the competitiveness in the sector
as the number of competitors in the sector influences the capability to threaten an organization. In
New Zealand, the number of competitors is not huge as there is only Australian owned banking
system but they are the well establish a system of New Zealand and it becomes difficult for newly
set-up banking industry to achieve competitive edge (Kanatani, 2017). The industry can get over
from the issue of competitiveness while developing financial services as long-term mortgage, loan,
creditworthiness, investments and many more banking services.
There is another tool other than porter’s five forces is value chain analysis. It creates a framework
of business and works as a powerful tool which can recognize the opportunity for respective
business by reducing the cost, identify the important task and differentiate from competitors.
Lowering costs can be achieved by defining financial investment involved for each activity. The
activity which is to be performed in the industry should be at a better price with appropriate
allocation of resources.
profitability in their industry. Thus threats for substitute are not influenced much by the banking
industry in the economy of New Zealand.
Supplier power:
The suppliers are the person who offered the services in the economy. If there is a large number of
suppliers in the market they can influence customers easily and affect the performance of the
newly set-up businesses (Avlonitis, et al 2015). The existing supplier of the banking industry in New
Zealand is Australian-owned banks which influence the majority amount of banking system and
control over the retail and interest rates of banking. There are not so many suppliers in the banking
sector but the Australian owned-banks hold the power in the country. It is quite difficult to sustain
in the banking industry of New Zealand because the suppliers in this sector are powerful but the
new banking system has the opportunity to decrease the supplier power by offering the people a
variety of financial services and alternatives, as this can overcome from the issue of supplier power
in the economy of New Zealand.
Competitive rivalry:
Competitive rivalry means the competitive environment in the economy. The more competitiveness
in the economy can cause instability for a new entrance. It shows the competitiveness in the sector
as the number of competitors in the sector influences the capability to threaten an organization. In
New Zealand, the number of competitors is not huge as there is only Australian owned banking
system but they are the well establish a system of New Zealand and it becomes difficult for newly
set-up banking industry to achieve competitive edge (Kanatani, 2017). The industry can get over
from the issue of competitiveness while developing financial services as long-term mortgage, loan,
creditworthiness, investments and many more banking services.
There is another tool other than porter’s five forces is value chain analysis. It creates a framework
of business and works as a powerful tool which can recognize the opportunity for respective
business by reducing the cost, identify the important task and differentiate from competitors.
Lowering costs can be achieved by defining financial investment involved for each activity. The
activity which is to be performed in the industry should be at a better price with appropriate
allocation of resources.
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For achieving value chain strategy it is required for the business to recognize the important tasks
and functions to deliver effective product and services (Gereffi, 2016). It is helpful for focusing on
relevant factors. For example: While establishing new banking sector in New Zealand, the industry
needs to majorly focus on competitors because New Zealand has Australian owned banks can
influence the performance of new banking sector in the nation.
Differentiating from competitors is helpful for the industry to influence a large number of
customers towards the industry. For example, the banking industry in New Zealand could use those
financial services which are not used by the existing banking system, for attracting a large number
of customers in the economy (Backer, 2014). The newly set-up business can use new software and
technology as well for differentiating their services from the customers and it can also be helpful in
analysing the business opportunities towards the growth of the industry. Therefore, value chain
analysis can play an important role in recognizing the business opportunities for the banking
industry in New Zealand.
and functions to deliver effective product and services (Gereffi, 2016). It is helpful for focusing on
relevant factors. For example: While establishing new banking sector in New Zealand, the industry
needs to majorly focus on competitors because New Zealand has Australian owned banks can
influence the performance of new banking sector in the nation.
Differentiating from competitors is helpful for the industry to influence a large number of
customers towards the industry. For example, the banking industry in New Zealand could use those
financial services which are not used by the existing banking system, for attracting a large number
of customers in the economy (Backer, 2014). The newly set-up business can use new software and
technology as well for differentiating their services from the customers and it can also be helpful in
analysing the business opportunities towards the growth of the industry. Therefore, value chain
analysis can play an important role in recognizing the business opportunities for the banking
industry in New Zealand.
CONCLUSION
Business environment plays an important role in the growth of the country as it helps in forecasting
the business opportunities for the expansion of industry. The aim of this report is to recognize the
importance and meaning of business environment and it also shows the factors of business
environment which can influence the newly setup branch by the banking sector. These
examinations are performed within the context of HSBC bank who develops their new branch in
New Zealand. The analytical approaches as PESTLE is created for analysing the business
environment of the country and Porter's five forces are developed within the context of the
banking sector for analysing the business opportunities in New Zealand. Along with it, the report
shows value chain analysis for recognizing business opportunities for banking system. The analytical
approaches are being discussed for understanding the prospects of the banking industry in New
Zealand.
Business environment plays an important role in the growth of the country as it helps in forecasting
the business opportunities for the expansion of industry. The aim of this report is to recognize the
importance and meaning of business environment and it also shows the factors of business
environment which can influence the newly setup branch by the banking sector. These
examinations are performed within the context of HSBC bank who develops their new branch in
New Zealand. The analytical approaches as PESTLE is created for analysing the business
environment of the country and Porter's five forces are developed within the context of the
banking sector for analysing the business opportunities in New Zealand. Along with it, the report
shows value chain analysis for recognizing business opportunities for banking system. The analytical
approaches are being discussed for understanding the prospects of the banking industry in New
Zealand.
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Murray, D., Davis, K., Dunn, C., Hewson, C. and McNamee, B., 2014. Financial system inquiry.
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Companion to Financial Services Marketing. New York, pp.254-270.
Cruz, J. and Alley, C., 2017. An analysis of how future investors and small financial institutions in
New Zealand can avoid the effect of double taxation on corporate profits.
Cruz, J. and Alley, C., 2017. An analysis of how future investors and small financial institutions in
New Zealand can avoid the effect of double taxation on corporate profits.
De Backer, K. and Miroudot, S., 2014. Mapping global value chains.
Gereffi, G. and Fernandez-Stark, K., 2016. Global value chain analysis: a primer.
Gereffi, G. and Fernandez-Stark, K., 2016. Global value chain analysis: a primer.
Hanlon, 2016 How to use Porter's Five Forces (Online available at
https://www.smartinsights.com/marketing-planning/marketing-models/porters-five-forces/)last
assessed on 24th July 2018.
Huang, J.Y., 2015. The effectiveness of US anti-money laundering regulations and HSBC case study.
Journal of Money Laundering Control, 18(4), pp.525-532.
Huang, J.Y., 2015. The effectiveness of US anti-money laundering regulations and HSBC case study.
Journal of Money Laundering Control, 18(4), pp.525-532.
Kanatani, M. and Yaghoubi, R., 2017. Determinants of Corporate Capital Structure in New Zealand.
AMR, p.1.
Kelsey, J., 2015. The New Zealand experiment: A world model for structural adjustment?. Bridget
Williams Books.
Lee, 2016 scanning the Environment: PESTEL Analysis (Online available at https://www.business-to-
you.com/scanning-the-environment-pestel-analysis/) last assessed on 24th July 2018.
Murray, D., Davis, K., Dunn, C., Hewson, C. and McNamee, B., 2014. Financial system inquiry.
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Andrew, 2014 New Zealand’s biggest problems are Economic Issues (41%) while the World’s most
important problems are War & Terrorism (35%) just three weeks before NZ Election (Online
available at http://www.roymorgan.com/findings/5754-new-zealand-most-important-issues-
august-2014-201408290121) last assessed on 25th July 2018
Pan, Y., Huang, P. and Gopal, A., 2017. New Entry Threats and Firm Performance in the IT Industry:
The Moderating Role of Board Independence.
Riasi, A., 2015. Competitive advantages of shadow banking industry: An analysis using Porter
diamond model. Business Management and Strategy, 6(2), pp.15-27.
Schyns, P.F.M., 2016. The technological future of the wealth management industry for portfolio
management investment services (Bachelor's thesis, University of Twente).
Schyns, P.F.M., 2016. The technological future of the wealth management industry for portfolio
management investment services (Bachelor's thesis, University of Twente).
Terceño, J.R., Vallés, J.E.G. and Domínguez, D.C., 2017. Application of a measurement model and
system of intangible variables in business environments. Revista Latina de Comunicación Social,
(72), p.560.
Kelsey, J., 2015. Reclaiming the future: New Zealand and the global economy. Bridget Williams
Books.
Trudeau, C. and McLarney, C., 2017. How Can Banks Enhance International Connectivity with
Business Customers?: A Study of HSBC. IUP Journal of Business Strategy, 14(2).
Zalengera, C., Blanchard, R.E., Eames, P.C., Juma, A.M., Chitawo, M.L. and Gondwe, K.T., 2014.
Overview of the Malawi energy situation and A PESTLE analysis for the sustainable development of
renewable energy. Renewable and Sustainable Energy Reviews, 38, pp.335-347.
Islam, M., 2018. Customer Satisfaction Survey on DBBL, Sonali Bank & HSBC Bank.
Naheem, M.A., 2015. AML compliance–A banking nightmare? The HSBC case study. International
Journal of Disclosure and Governance, 12(4), pp.300-310.
important problems are War & Terrorism (35%) just three weeks before NZ Election (Online
available at http://www.roymorgan.com/findings/5754-new-zealand-most-important-issues-
august-2014-201408290121) last assessed on 25th July 2018
Pan, Y., Huang, P. and Gopal, A., 2017. New Entry Threats and Firm Performance in the IT Industry:
The Moderating Role of Board Independence.
Riasi, A., 2015. Competitive advantages of shadow banking industry: An analysis using Porter
diamond model. Business Management and Strategy, 6(2), pp.15-27.
Schyns, P.F.M., 2016. The technological future of the wealth management industry for portfolio
management investment services (Bachelor's thesis, University of Twente).
Schyns, P.F.M., 2016. The technological future of the wealth management industry for portfolio
management investment services (Bachelor's thesis, University of Twente).
Terceño, J.R., Vallés, J.E.G. and Domínguez, D.C., 2017. Application of a measurement model and
system of intangible variables in business environments. Revista Latina de Comunicación Social,
(72), p.560.
Kelsey, J., 2015. Reclaiming the future: New Zealand and the global economy. Bridget Williams
Books.
Trudeau, C. and McLarney, C., 2017. How Can Banks Enhance International Connectivity with
Business Customers?: A Study of HSBC. IUP Journal of Business Strategy, 14(2).
Zalengera, C., Blanchard, R.E., Eames, P.C., Juma, A.M., Chitawo, M.L. and Gondwe, K.T., 2014.
Overview of the Malawi energy situation and A PESTLE analysis for the sustainable development of
renewable energy. Renewable and Sustainable Energy Reviews, 38, pp.335-347.
Islam, M., 2018. Customer Satisfaction Survey on DBBL, Sonali Bank & HSBC Bank.
Naheem, M.A., 2015. AML compliance–A banking nightmare? The HSBC case study. International
Journal of Disclosure and Governance, 12(4), pp.300-310.
Appendices
1. Banking sector risk at New Zealand
2. The banking system in New Zealand
1. Banking sector risk at New Zealand
2. The banking system in New Zealand
3. Foreign direct investment in New Zealand (FDI)
1 out of 16
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