Integrated Marketing Communications for Commonwealth Bank of Australia
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This report discusses the integrated marketing communication strategy of Commonwealth Bank of Australia through various mediums like television, radio, digital, print, and social media. It also covers the basic budget concepts and evaluation metrics used by the bank.
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Running head: INTEGRATED MARKETING COMMUNICATIONS
INTEGRATED MARKETING COMMUNICATIONS
Name of the Student
Name of the University
Author Note
INTEGRATED MARKETING COMMUNICATIONS
Name of the Student
Name of the University
Author Note
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1INTEGRATED MARKETING COMMUNICATIONS
Introduction
Integrated Marketing Communication refers to the branding knowledge of the business
and its terms. Branding is a method that a business uses to highlight its own name, sign, symbol
and image. It is mixed with various marketing campaigns and channels. Marketing is the
gateway to create a brand identity. Even if the business is new or even if it is old, marketing is
required to keep the business active. This is done for small stores in a suburb or even a large
multinational company that operates in many countries. As per Doorley & Garcia, (2015),
marketing is the method that allows companies to create value and relationship with their clients.
With the four method of product, place, price and promotion a business transcends itself in order
to meet their targets and objectives. This report focuses on the means of external promotion that
is involved with the aspects of communication. Through the means of integrated marketing
communication, the Commonwealth Bank of Australia focuses on improving the business
promotion through various methods that helps the business in gaining recognition. Marketing
communication is utilized to form brand image and get a clear understanding of the information
needed to create an attention for the business. In case of the Commonwealth Bank of Australia,
not only the business uses traditional methods to create a relation with the customers but also
they use promotional methods to hold on to the existing customers. A financial business such as
a bank is all about trust therefore the business needs to implement certain measures that would
help them to meet the criteria.
Discussion
Communication Strategy Mix
Introduction
Integrated Marketing Communication refers to the branding knowledge of the business
and its terms. Branding is a method that a business uses to highlight its own name, sign, symbol
and image. It is mixed with various marketing campaigns and channels. Marketing is the
gateway to create a brand identity. Even if the business is new or even if it is old, marketing is
required to keep the business active. This is done for small stores in a suburb or even a large
multinational company that operates in many countries. As per Doorley & Garcia, (2015),
marketing is the method that allows companies to create value and relationship with their clients.
With the four method of product, place, price and promotion a business transcends itself in order
to meet their targets and objectives. This report focuses on the means of external promotion that
is involved with the aspects of communication. Through the means of integrated marketing
communication, the Commonwealth Bank of Australia focuses on improving the business
promotion through various methods that helps the business in gaining recognition. Marketing
communication is utilized to form brand image and get a clear understanding of the information
needed to create an attention for the business. In case of the Commonwealth Bank of Australia,
not only the business uses traditional methods to create a relation with the customers but also
they use promotional methods to hold on to the existing customers. A financial business such as
a bank is all about trust therefore the business needs to implement certain measures that would
help them to meet the criteria.
Discussion
Communication Strategy Mix
2INTEGRATED MARKETING COMMUNICATIONS
Advertising
Commonwealth bank has developed many campaigns based on advertising. There are
advertisements that highlight the success stories such as stating the current number of clients or
the current position in the market. As the bank is already well established, this would help in
creating a trust factor between the client and the bank.
Sales Promotion
Studies point out that the clients ignore almost 80% of the messages that banks provide
through email or text messages regarding sales (Bianchi & Bigio, 2014). For Commonwealth
bank, this has to be noted that irreverent communication might lose the interest of customer as
they are fed up after a time. This is more so if the promotion is related to sales. Selling is actually
providing extra benefits to the customers with existing accounts. However, it is important to
make the customers understand why they would need to buy the new services available rather
than bothering the clients with repeated phone calls or messages.
Direct Marketing
For a financial institution like the Commonwealth bank, it is to be noted that strategizing
is the touch-point for creating a new customer or losing an existing customer. Ensuring the fact
that a financial business requires power and capital to grow, there is possibility that a financial
institution would most likely to adopt additional products than the initial stages of the business.
This is very much essential for banks, as the clients would always get straight to the point
(Gennaioli, Martin & Rossi, 2014)
Public Relation
Advertising
Commonwealth bank has developed many campaigns based on advertising. There are
advertisements that highlight the success stories such as stating the current number of clients or
the current position in the market. As the bank is already well established, this would help in
creating a trust factor between the client and the bank.
Sales Promotion
Studies point out that the clients ignore almost 80% of the messages that banks provide
through email or text messages regarding sales (Bianchi & Bigio, 2014). For Commonwealth
bank, this has to be noted that irreverent communication might lose the interest of customer as
they are fed up after a time. This is more so if the promotion is related to sales. Selling is actually
providing extra benefits to the customers with existing accounts. However, it is important to
make the customers understand why they would need to buy the new services available rather
than bothering the clients with repeated phone calls or messages.
Direct Marketing
For a financial institution like the Commonwealth bank, it is to be noted that strategizing
is the touch-point for creating a new customer or losing an existing customer. Ensuring the fact
that a financial business requires power and capital to grow, there is possibility that a financial
institution would most likely to adopt additional products than the initial stages of the business.
This is very much essential for banks, as the clients would always get straight to the point
(Gennaioli, Martin & Rossi, 2014)
Public Relation
3INTEGRATED MARKETING COMMUNICATIONS
It is much essential to make the customers feel they are special and valued. Banks also
have to focus on the factors related to public relations as it is essential for building a brand.
Therefore, it is important to set a prior plan that would establish the scope of work along with the
placement in appropriate publications. To maintain a standard success there must be an
established approach for marketing program that would assist in increasing visibility.
Communication from the public relations department is one of the main factors that can help in
creating a foundation. It can be from emails to business meeting to video conference to normal
conversation.
Media Mix
In terms of promotion through media, financial sectors get a high amount of exposure
through different platforms especially through promotional channels such as radio, digital, print,
television and social media.
Television
It terms of mediums such as television or radio, this method has been utilized for a long
time even before social media came into place. Presentation is the most important part as this
determines how the bank would get the interest of their customers (Law & Singh, 2014).
Televisions can help in advertisement of banks in a broad number of clients. The medium of
television can be used to spread the message by showing what are the benefits with a proper
presentation.
Radio
It is much essential to make the customers feel they are special and valued. Banks also
have to focus on the factors related to public relations as it is essential for building a brand.
Therefore, it is important to set a prior plan that would establish the scope of work along with the
placement in appropriate publications. To maintain a standard success there must be an
established approach for marketing program that would assist in increasing visibility.
Communication from the public relations department is one of the main factors that can help in
creating a foundation. It can be from emails to business meeting to video conference to normal
conversation.
Media Mix
In terms of promotion through media, financial sectors get a high amount of exposure
through different platforms especially through promotional channels such as radio, digital, print,
television and social media.
Television
It terms of mediums such as television or radio, this method has been utilized for a long
time even before social media came into place. Presentation is the most important part as this
determines how the bank would get the interest of their customers (Law & Singh, 2014).
Televisions can help in advertisement of banks in a broad number of clients. The medium of
television can be used to spread the message by showing what are the benefits with a proper
presentation.
Radio
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4INTEGRATED MARKETING COMMUNICATIONS
As people still listen to the radio, they would get attention of the bank if the presentation
is done in a straightforward way (Abedifar, Hasan & Tarazi, 2016). For example, if a person is
looking to open a bank account, they can hear the relevant information in the radio. If the
advertisement is presented in a manner that would gain the attention of the person instantly, then
it is normal that the business would get that customer.
Digital
Digital method of promotion includes the option to provide distributive contents. This is
essential to get the business on the first page of Google. As Google is a recognizable search
engine, it would highly increase the chance of trust towards the business if the business were
highlighted on the prominent pages of Google. Commonwealth bank can use this medium to let
people know about their value and by including special offers regarding interest that would
intrigue the existing customers. Other than benefits regarding interest, the Commonwealth bank
can let people know if there is any special promotion available with their existing business
partners. (Cortés & Strahan, 2017)
Print
Print media is helpful in cutting down the cost and this method can be used by any
business no matter it is small or large. By handing out leaflets, people can get the information of
the bank and the place where they are located (Salim, Arjomandi & Seufert, 2016). Many
businesses use this method by hiring a third party who would promote their business for them in
shopping malls or a town. The business can also make people aware about their information
through newspapers that are widely acceptable in every part of the world.
Social Media
As people still listen to the radio, they would get attention of the bank if the presentation
is done in a straightforward way (Abedifar, Hasan & Tarazi, 2016). For example, if a person is
looking to open a bank account, they can hear the relevant information in the radio. If the
advertisement is presented in a manner that would gain the attention of the person instantly, then
it is normal that the business would get that customer.
Digital
Digital method of promotion includes the option to provide distributive contents. This is
essential to get the business on the first page of Google. As Google is a recognizable search
engine, it would highly increase the chance of trust towards the business if the business were
highlighted on the prominent pages of Google. Commonwealth bank can use this medium to let
people know about their value and by including special offers regarding interest that would
intrigue the existing customers. Other than benefits regarding interest, the Commonwealth bank
can let people know if there is any special promotion available with their existing business
partners. (Cortés & Strahan, 2017)
Print media is helpful in cutting down the cost and this method can be used by any
business no matter it is small or large. By handing out leaflets, people can get the information of
the bank and the place where they are located (Salim, Arjomandi & Seufert, 2016). Many
businesses use this method by hiring a third party who would promote their business for them in
shopping malls or a town. The business can also make people aware about their information
through newspapers that are widely acceptable in every part of the world.
Social Media
5INTEGRATED MARKETING COMMUNICATIONS
Social media is known to be the most effective method of promotion today. This is not
because the bank would get recognition through a broader spectrum of potential customers but
due to the fact the business would attain popularity (Cummings & Durrani, 2016). When there is
a platform available in social media, the customers and the clients can talk about the service of
the business. The bank can also look at the feedbacks and work according to the need of the
clients and their areas of improvement. When the business gets proper recognition, it can use the
advantage of social media to let people know if they have another brand who are sponsoring
them. This acts as an extra benefit towards promotion.
Implementation of Creative Approach
Financial institutions are one of the fastest services in existence and always deal with live
customers, every day of the year. Each and every customers, wants the feeling of being treated
better. After all, when a person goes to the extent of keeping his or her capital with someone
else, the factor of trust always come into place. .
Television
Creative approach for television would certainly include advertisements in between
popular programs. Advertisement slots are given to the sponsor ads that would get more views
than regular ads. When a television program that has many audience dedicated to it, they would
be able to see the advertisement of the bank along with all the viewers.
Radio
Social media is known to be the most effective method of promotion today. This is not
because the bank would get recognition through a broader spectrum of potential customers but
due to the fact the business would attain popularity (Cummings & Durrani, 2016). When there is
a platform available in social media, the customers and the clients can talk about the service of
the business. The bank can also look at the feedbacks and work according to the need of the
clients and their areas of improvement. When the business gets proper recognition, it can use the
advantage of social media to let people know if they have another brand who are sponsoring
them. This acts as an extra benefit towards promotion.
Implementation of Creative Approach
Financial institutions are one of the fastest services in existence and always deal with live
customers, every day of the year. Each and every customers, wants the feeling of being treated
better. After all, when a person goes to the extent of keeping his or her capital with someone
else, the factor of trust always come into place. .
Television
Creative approach for television would certainly include advertisements in between
popular programs. Advertisement slots are given to the sponsor ads that would get more views
than regular ads. When a television program that has many audience dedicated to it, they would
be able to see the advertisement of the bank along with all the viewers.
Radio
6INTEGRATED MARKETING COMMUNICATIONS
Whenever there is a popular radio show airing, it would mean that the audience count
would also be high. When there is a partnership with the bank. The person speaking or the radio
jockey would promote the bank in a creative nature that would gain the interest of the audience.
Digital
If a website has a high traffic towards it, there are advertisement that would pop up on the
side on the page. If a person is using a mobile phone or a computer, they would be able to see the
information of the bank on the screen which would gain their attention. Promotion done through
digital platforms along with printing is effective as the bank generally targets websites that has a
high traffic rate.
Print
Handing out leaflets is a simple and effective method. However many business do not
know is where to showcase this promotional method. If it is for Commonwealth bank, the best
place of outdoor advertisement would be for commercial areas. Leaflets are basically for
companies that have a temporary offer attached them, in case of banks the print promotion is
done through large hoardings and newspapers.
Social Media
Promotion done through digital platforms along with printing is effective however what
Commonwealth bank actually puts the most effort in is the promotion through social media.
Social media is an effective tool. There many platforms such as Facebook through which the
promotion is done via connections. In Facebook, there is the option to create official business
page that is register by Facebook itself. Commonwealth bank can use this medium to gain the
Whenever there is a popular radio show airing, it would mean that the audience count
would also be high. When there is a partnership with the bank. The person speaking or the radio
jockey would promote the bank in a creative nature that would gain the interest of the audience.
Digital
If a website has a high traffic towards it, there are advertisement that would pop up on the
side on the page. If a person is using a mobile phone or a computer, they would be able to see the
information of the bank on the screen which would gain their attention. Promotion done through
digital platforms along with printing is effective as the bank generally targets websites that has a
high traffic rate.
Handing out leaflets is a simple and effective method. However many business do not
know is where to showcase this promotional method. If it is for Commonwealth bank, the best
place of outdoor advertisement would be for commercial areas. Leaflets are basically for
companies that have a temporary offer attached them, in case of banks the print promotion is
done through large hoardings and newspapers.
Social Media
Promotion done through digital platforms along with printing is effective however what
Commonwealth bank actually puts the most effort in is the promotion through social media.
Social media is an effective tool. There many platforms such as Facebook through which the
promotion is done via connections. In Facebook, there is the option to create official business
page that is register by Facebook itself. Commonwealth bank can use this medium to gain the
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7INTEGRATED MARKETING COMMUNICATIONS
interest of their followers. Social media is a tool through which the common interests are
highlighted. If a person were to share thier experiences with Commonwealth bank, each person
who are on his friend list would be able see his or her remarks. (Lee, Sameen & Cowling, 2015).
Through Facebook, within a matter of seconds news can be transferred. This is similar in case of
Twitter it is a medium for fast updates and news. Twitter is more effective for business whereas
Facebook is more towards the common people. Instagram has recently became more popular due
to the fact people get to share their everyday photos and make a story out of them. In case of
Commonwealth bank, the business can upload photos of satisfied customers who have used their
services that would be effective as this platform is growing day by day.
Basic Budget Concepts
A budget can be determined as the annual statement that is determined through the
estimated revenue and expenditure. However, what may be the case, the government is
responsible for the proper and managed distribution of the resources. For financial businesses
like a bank, this is more applicable as they deal with budget plans all year. Commonweatlh bank,
maintains a basic budget concept, three important factors come into play. First of all, there is
recovery loans that reduces the total number of assets provided by the government that would be
classified according to capital receipt. It can also be said that the loan provided acts as an asset
that is provided in the book of accounts. This option also reduces the chance of asset class
(Biswas, 2015). When there are funds raised, the government treats capital receipts just like
capital liability. The amount that is provided by the bank is liable as a person has to pay the
borrowing. Revenue receipts do not create a liability or cause any kind of decrease in the assets.
interest of their followers. Social media is a tool through which the common interests are
highlighted. If a person were to share thier experiences with Commonwealth bank, each person
who are on his friend list would be able see his or her remarks. (Lee, Sameen & Cowling, 2015).
Through Facebook, within a matter of seconds news can be transferred. This is similar in case of
Twitter it is a medium for fast updates and news. Twitter is more effective for business whereas
Facebook is more towards the common people. Instagram has recently became more popular due
to the fact people get to share their everyday photos and make a story out of them. In case of
Commonwealth bank, the business can upload photos of satisfied customers who have used their
services that would be effective as this platform is growing day by day.
Basic Budget Concepts
A budget can be determined as the annual statement that is determined through the
estimated revenue and expenditure. However, what may be the case, the government is
responsible for the proper and managed distribution of the resources. For financial businesses
like a bank, this is more applicable as they deal with budget plans all year. Commonweatlh bank,
maintains a basic budget concept, three important factors come into play. First of all, there is
recovery loans that reduces the total number of assets provided by the government that would be
classified according to capital receipt. It can also be said that the loan provided acts as an asset
that is provided in the book of accounts. This option also reduces the chance of asset class
(Biswas, 2015). When there are funds raised, the government treats capital receipts just like
capital liability. The amount that is provided by the bank is liable as a person has to pay the
borrowing. Revenue receipts do not create a liability or cause any kind of decrease in the assets.
8INTEGRATED MARKETING COMMUNICATIONS
This includes tax revenues where there is direct taxes, indirect taxes. (Neuhann & Saidi, 2018).
The budget also points out the capital and revenue expenditure that would estimate the total
incurred by the government within a year. Capital expenditure would look into the results that is
created due to reduction in liability. Then there is the revenue expenditure that does not create
assets and reduces the liability. (Greenfield et al. 2015). Other than the balanced budget, there is
the surplus budget, deficit budget, revenue budget and the capital budget. Each method is
asserted according to the requirement of the clients and the budgets are categorized according to
their needs. It is by calculating this revenue, the bank would proceed with their service.
Evaluation Metric
The evaluation of the success rate of the Commonwealth can be measured by their annual
profit and making a detailed analysis that would determine the company’s success. For a
financial business like a bank, first of all a proper banking system is needed to modernize the
entire process, there should be professional work force with experienced staff, with the
involvement of internal communication system. As per the marketing factors discussed above,
the key performance indicator shows the measure to identify the performance of its employees.
The products and the services offered can be in the form of mortgage, lending or even treasury. It
terms of evaluation for the executives and shareholders. The Commonwealth targets the
efficiency ratio, the operating expenses of assets, total amount of loan, the calculated deposit, the
non-performing ratio and the loan yield.
Commonwealth bank has done its IMC plan based on the reports from the promotional
methods of television, radio, print, digital and social media. With those factors in place the bank
This includes tax revenues where there is direct taxes, indirect taxes. (Neuhann & Saidi, 2018).
The budget also points out the capital and revenue expenditure that would estimate the total
incurred by the government within a year. Capital expenditure would look into the results that is
created due to reduction in liability. Then there is the revenue expenditure that does not create
assets and reduces the liability. (Greenfield et al. 2015). Other than the balanced budget, there is
the surplus budget, deficit budget, revenue budget and the capital budget. Each method is
asserted according to the requirement of the clients and the budgets are categorized according to
their needs. It is by calculating this revenue, the bank would proceed with their service.
Evaluation Metric
The evaluation of the success rate of the Commonwealth can be measured by their annual
profit and making a detailed analysis that would determine the company’s success. For a
financial business like a bank, first of all a proper banking system is needed to modernize the
entire process, there should be professional work force with experienced staff, with the
involvement of internal communication system. As per the marketing factors discussed above,
the key performance indicator shows the measure to identify the performance of its employees.
The products and the services offered can be in the form of mortgage, lending or even treasury. It
terms of evaluation for the executives and shareholders. The Commonwealth targets the
efficiency ratio, the operating expenses of assets, total amount of loan, the calculated deposit, the
non-performing ratio and the loan yield.
Commonwealth bank has done its IMC plan based on the reports from the promotional
methods of television, radio, print, digital and social media. With those factors in place the bank
9INTEGRATED MARKETING COMMUNICATIONS
can provide loans and package savings. As per an analysis directed towards the CMO
Commonwealth, of these are the current standings of the bank in terms of its promotional
methods.
TV Radio Digital Media Print Media Social Media
0
50
100
150
200
250
300
350
400
450
Previous Sales (AU$)
Sales (AU$)
The Commonwealth bank of Australia uses this method in a larger platform that would
help in asserting its budget along with the creative approaches used by the business. The aim is
to use various methods of integrated marketing communication to develop a standing that would
allow the business to hold their existing position.
Conclusion
Therefore from the above discussion its can be concluded that the Commonwealth Bank
of Australia’s IMC plan is very much essential to hold its market position. It is not like the
business is new, however as the business it in top of the best banks in Australia, an integrated
communication strategy is essential to chalk out the factors where the business can fluently
can provide loans and package savings. As per an analysis directed towards the CMO
Commonwealth, of these are the current standings of the bank in terms of its promotional
methods.
TV Radio Digital Media Print Media Social Media
0
50
100
150
200
250
300
350
400
450
Previous Sales (AU$)
Sales (AU$)
The Commonwealth bank of Australia uses this method in a larger platform that would
help in asserting its budget along with the creative approaches used by the business. The aim is
to use various methods of integrated marketing communication to develop a standing that would
allow the business to hold their existing position.
Conclusion
Therefore from the above discussion its can be concluded that the Commonwealth Bank
of Australia’s IMC plan is very much essential to hold its market position. It is not like the
business is new, however as the business it in top of the best banks in Australia, an integrated
communication strategy is essential to chalk out the factors where the business can fluently
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10INTEGRATED MARKETING COMMUNICATIONS
handle its key components and actions. A direct approach is a must towards marketing as the
trust factor would determine the interest of the customers. All business needs a creative approach
towards their promotion. It is said that if a business does not think outside the box, then it would
be just any other business and over time it would cease to exist. Banking sectors are all about
high competition and just so Commonwealth bank has rivals as well which includes Wespac,
Australia and New Zealand Banking Group, National Australia Bank and many more. At the
moment Commonwealth bank, hold the highest capital with an amount AU$ 139 billion
however, there is always the possibility that the competitors would surpass them. This is exactly
why the business takes an extra initiative towards promotion because everybody wants to stay
ahead in the competition by evaluating the current marketing communication, a range of
organizations and therefore reflect on the current organizational marketing by using the tools of
communication. The business also applies various elements of marketing communication that
would specify the company’s communication problems in order to create an IMC plan.
Therefore, it can be said the business has implemented the strategies that are based on the
method of communication that would allow the Commonwealth bank of Australia to maintain its
position in the market.
handle its key components and actions. A direct approach is a must towards marketing as the
trust factor would determine the interest of the customers. All business needs a creative approach
towards their promotion. It is said that if a business does not think outside the box, then it would
be just any other business and over time it would cease to exist. Banking sectors are all about
high competition and just so Commonwealth bank has rivals as well which includes Wespac,
Australia and New Zealand Banking Group, National Australia Bank and many more. At the
moment Commonwealth bank, hold the highest capital with an amount AU$ 139 billion
however, there is always the possibility that the competitors would surpass them. This is exactly
why the business takes an extra initiative towards promotion because everybody wants to stay
ahead in the competition by evaluating the current marketing communication, a range of
organizations and therefore reflect on the current organizational marketing by using the tools of
communication. The business also applies various elements of marketing communication that
would specify the company’s communication problems in order to create an IMC plan.
Therefore, it can be said the business has implemented the strategies that are based on the
method of communication that would allow the Commonwealth bank of Australia to maintain its
position in the market.
11INTEGRATED MARKETING COMMUNICATIONS
References
Abedifar, P., Hasan, I., & Tarazi, A. (2016). Finance-growth nexus and dual-banking systems:
Relative importance of Islamic banks. Journal of Economic Behavior &
Organization, 132, 198-215.
Bianchi, J., & Bigio, S. (2014). Banks, liquidity management and monetary policy (No. w20490).
National Bureau of Economic Research.
Biswas, R. (2015). Reshaping the financial architecture for development finance: the new
development banks.
Cortés, K. R., & Strahan, P. E. (2017). Tracing out capital flows: How financially integrated
banks respond to natural disasters. Journal of Financial Economics, 125(1), 182-199.
Cummings, J. R., & Durrani, K. J. (2016). Effect of the Basel Accord capital requirements on the
loan-loss provisioning practices of Australian banks. Journal of Banking & Finance, 67,
23-36.
Doorley, J., & Garcia, H. F. (2015). Reputation management: The key to successful public
relations and corporate communication. Routledge.
Gennaioli, N., Martin, A., & Rossi, S. (2014). Sovereign default, domestic banks, and financial
institutions. The Journal of Finance, 69(2), 819-866.
Goldstein, I., & Sapra, H. (2014). Should banks' stress test results be disclosed? An analysis of
the costs and benefits. Foundations and Trends® in Finance, 8(1), 1-54.
References
Abedifar, P., Hasan, I., & Tarazi, A. (2016). Finance-growth nexus and dual-banking systems:
Relative importance of Islamic banks. Journal of Economic Behavior &
Organization, 132, 198-215.
Bianchi, J., & Bigio, S. (2014). Banks, liquidity management and monetary policy (No. w20490).
National Bureau of Economic Research.
Biswas, R. (2015). Reshaping the financial architecture for development finance: the new
development banks.
Cortés, K. R., & Strahan, P. E. (2017). Tracing out capital flows: How financially integrated
banks respond to natural disasters. Journal of Financial Economics, 125(1), 182-199.
Cummings, J. R., & Durrani, K. J. (2016). Effect of the Basel Accord capital requirements on the
loan-loss provisioning practices of Australian banks. Journal of Banking & Finance, 67,
23-36.
Doorley, J., & Garcia, H. F. (2015). Reputation management: The key to successful public
relations and corporate communication. Routledge.
Gennaioli, N., Martin, A., & Rossi, S. (2014). Sovereign default, domestic banks, and financial
institutions. The Journal of Finance, 69(2), 819-866.
Goldstein, I., & Sapra, H. (2014). Should banks' stress test results be disclosed? An analysis of
the costs and benefits. Foundations and Trends® in Finance, 8(1), 1-54.
12INTEGRATED MARKETING COMMUNICATIONS
Hakenes, H., Hasan, I., Molyneux, P., & Xie, R. (2014). Small banks and local economic
development. Review of Finance, 19(2), 653-683.
Hanson, S. G., Shleifer, A., Stein, J. C., & Vishny, R. W. (2015). Banks as patient fixed-income
investors. Journal of Financial Economics, 117(3), 449-469.
Heide, M., & Simonsson, C. (2014). Developing internal crisis communication: New roles and
practices of communication professionals. Corporate Communications: An International
Journal, 19(2), 128-146.
Köhler, M. (2014). Does non-interest income make banks more risky? Retail-versus investment-
oriented banks. Review of Financial Economics, 23(4), 182-193.
Lando, A. L. (2014). The critical role of crisis communication plan in corporations' crises
preparedness and management. Global Media Journal, 7(1), 5.
Law, S. H., & Singh, N. (2014). Does too much finance harm economic growth?. Journal of
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13INTEGRATED MARKETING COMMUNICATIONS
Skvarciany, V., & Iljins, J. (2015). The role of change management in trust formation in
commercial banks. Business: Theory and Practice, 16, 373.
Skvarciany, V., & Iljins, J. (2015). The role of change management in trust formation in
commercial banks. Business: Theory and Practice, 16, 373.
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