Analysing Globalisation's Influence on Barclays Bank's Functions
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This report investigates the positive economic, cultural, and ethical influences of globalisation on the functions of Barclays Bank. It begins with an introduction to globalisation and its significance, followed by a background on Barclays Bank. The report analyzes the bank's operations, marketing, human resources, and accounting functions within the context of globalisation. The aims and objectives of the project are clearly stated, focusing on the impact of globalisation on the bank's various functions. A detailed research plan is presented, covering cost, scope, time, quality, communication, risk, and resources. The report outlines the research methodology, including primary and secondary research methods, along with the types of data collection. The project aims to provide insights into how globalisation affects the bank's performance and success in the global market. The report provides a comprehensive overview of the impact of globalisation on Barclays Bank's operations, marketing, HR, and accounting functions, highlighting the positive economic, cultural, and ethical influences that contribute to the bank's overall success.

Skeleton for Unit 6 MSBP – Created by RI
(For internal circulation only)
Introduction
Globalisation is identify as an effective process in which goods, people and ideas
spread throughout the globe, spurring more integration and interaction between the
governments, cultures and economics arccos the world. In simple word, globalisation is refer
as a connection of various parts of the globe resulting in the enlargement of international
economic, political and cultural activities. It is the integration and movement of large number
of person and goods among various nations. This represents the world international trade,
cultures, information technology trade and investment. For this, government policies planned
in to open economics internationally and domestically in order to boost development or
success in poorer countries. For this report chosen organisation is Barclays Bank which is a
British multinational financial service company and investment bank located in London. This
bank is organised into four main business namely corporate banking, personal banking,
investment management and wealth management. This report divided into different parts
which cover project aims and objectives, project management plan, qualitative and
quantitative research, performance Review and self-Assessment. Globalisation is positively
impact on the Economic growth and success in the United Kingdom. For example:
maximised competition from globalisation supports stimulate advanced technology
development, specially with the success in FDI, which assists to enhance economic output by
creating process more effective. Cultural Impact is another type of of impact which is
impacted by the globalisation. For example: globalisation has allowed for employees or
customers to be capable to attain services or goods which are nor previously available. In
addition. It has allowed an individual to become familiar or well-known with the culture of
another nation allowing for better understanding. Ethics mainly related with a person's moral
judgement regarding wrong and right. Decisions taken in an enterprise may be made by
groups and individuals, but whoever creates them will be effected by the business culture. For
example: Corporate social responsibility and ethical behaviour can bring essential benefits to
a globalised organisation.
Background of the Research
Barclays Bank is an investment bank and financial service organisation in London. It
was founded in 1690 by John McFarland, Jes Staley. Company decide to expand their
business operation in international level successfully (Nicholas and Steyn, 2017). In during
the process of digitalisation, company face different positive impact such as cultural, ethical
and economical. All this are directly and positively influence on business growth and success
(For internal circulation only)
Introduction
Globalisation is identify as an effective process in which goods, people and ideas
spread throughout the globe, spurring more integration and interaction between the
governments, cultures and economics arccos the world. In simple word, globalisation is refer
as a connection of various parts of the globe resulting in the enlargement of international
economic, political and cultural activities. It is the integration and movement of large number
of person and goods among various nations. This represents the world international trade,
cultures, information technology trade and investment. For this, government policies planned
in to open economics internationally and domestically in order to boost development or
success in poorer countries. For this report chosen organisation is Barclays Bank which is a
British multinational financial service company and investment bank located in London. This
bank is organised into four main business namely corporate banking, personal banking,
investment management and wealth management. This report divided into different parts
which cover project aims and objectives, project management plan, qualitative and
quantitative research, performance Review and self-Assessment. Globalisation is positively
impact on the Economic growth and success in the United Kingdom. For example:
maximised competition from globalisation supports stimulate advanced technology
development, specially with the success in FDI, which assists to enhance economic output by
creating process more effective. Cultural Impact is another type of of impact which is
impacted by the globalisation. For example: globalisation has allowed for employees or
customers to be capable to attain services or goods which are nor previously available. In
addition. It has allowed an individual to become familiar or well-known with the culture of
another nation allowing for better understanding. Ethics mainly related with a person's moral
judgement regarding wrong and right. Decisions taken in an enterprise may be made by
groups and individuals, but whoever creates them will be effected by the business culture. For
example: Corporate social responsibility and ethical behaviour can bring essential benefits to
a globalised organisation.
Background of the Research
Barclays Bank is an investment bank and financial service organisation in London. It
was founded in 1690 by John McFarland, Jes Staley. Company decide to expand their
business operation in international level successfully (Nicholas and Steyn, 2017). In during
the process of digitalisation, company face different positive impact such as cultural, ethical
and economical. All this are directly and positively influence on business growth and success
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at global level. Main reason behind conducting this report is to analyse the positive economic,
cultural, and ethical impacts of globalisation on business functions. In the organisation,
different functions are carried out related to operations, marketing, human resources and
accounting. All this are play vital and effective role for development and success of enterprise
internationally.1. Operations: Operations of Barclays Bank is mainly related with opening of new
accounts, supporting clients with managing deposits, transferring money between
accounts etc. Company need to expand all this operation function at international
level which is essential and significant for the success and growth of an enterprise
(Jeston, 2014).2. Marketing: In Barclays Bank, marketing manager expected to coordinate and
organise with all other division of bank and create different marketing plan and
strategies to boost up profit and sales. Company decide to internationalise in which
different positive impact are faced by them such as economic, cultural, and ethical
impact in positive manner. Thus, it is essential for the company to achieve better
results within predetermined time period.3. HR: This is another function of bank in which HR department is liable for analysing
such talented workforce and placing them in accurate jobs in the bank. For example:
When an organisation enlarges its business operations into other nations, the effect of
globalisation on HRD and HRM is essential. In this bank require to involve a different
range of practical improvements to be capable to retain, hire, support and train
workforce. Along with this human resource department of bank must adapt their
practices and thinking to cover foreign regulations, cultural differences and
technological development.4. Accounting: This function is mainly related with the reporting and recording of cash
flow transaction. Such function plays vital role in the organisation by maintaining
financial controls, payroll, accounts receivable and payable. For example: accounting
function has been affected and forced by the processes and possibilities of
globalisation. They possibly effect the harmonization of audit standards and
accounting, financial services and reporting. And the financial control and
coordination of dispersed subsidiaries of international enterprise (Hillson, 2017).
Aims of the Project: Main aim of preparing this project is “To investigate the positive
economic, cultural, and ethical influences of globalisation on different functions of bank”. A
case study on Barclays Bank
Objectives: There are different objectives made by the researcher with the help of
cultural, and ethical impacts of globalisation on business functions. In the organisation,
different functions are carried out related to operations, marketing, human resources and
accounting. All this are play vital and effective role for development and success of enterprise
internationally.1. Operations: Operations of Barclays Bank is mainly related with opening of new
accounts, supporting clients with managing deposits, transferring money between
accounts etc. Company need to expand all this operation function at international
level which is essential and significant for the success and growth of an enterprise
(Jeston, 2014).2. Marketing: In Barclays Bank, marketing manager expected to coordinate and
organise with all other division of bank and create different marketing plan and
strategies to boost up profit and sales. Company decide to internationalise in which
different positive impact are faced by them such as economic, cultural, and ethical
impact in positive manner. Thus, it is essential for the company to achieve better
results within predetermined time period.3. HR: This is another function of bank in which HR department is liable for analysing
such talented workforce and placing them in accurate jobs in the bank. For example:
When an organisation enlarges its business operations into other nations, the effect of
globalisation on HRD and HRM is essential. In this bank require to involve a different
range of practical improvements to be capable to retain, hire, support and train
workforce. Along with this human resource department of bank must adapt their
practices and thinking to cover foreign regulations, cultural differences and
technological development.4. Accounting: This function is mainly related with the reporting and recording of cash
flow transaction. Such function plays vital role in the organisation by maintaining
financial controls, payroll, accounts receivable and payable. For example: accounting
function has been affected and forced by the processes and possibilities of
globalisation. They possibly effect the harmonization of audit standards and
accounting, financial services and reporting. And the financial control and
coordination of dispersed subsidiaries of international enterprise (Hillson, 2017).
Aims of the Project: Main aim of preparing this project is “To investigate the positive
economic, cultural, and ethical influences of globalisation on different functions of bank”. A
case study on Barclays Bank
Objectives: There are different objectives made by the researcher with the help of

research aim. Some objectives are described as under:
To investigate the idea of globalisation.
To analysis the positive economic, cultural, and ethical impact of globalisation on
different functions of Barclays Bank such as marketing, HR, Operation and accounting.
To examine the interrelationship between globalisation is success of entire functions
at international level.
Research Plan
Project Title
Project Plan
Company Name:
Barclays Bank
Cost For any company to be successful they have to target
the cost factor at first instance. The managers in the
cost department have the responsibility to accomplish
the desired goals by achieving the cost factor before
implementing any new plan. So as to calculate the cost
managers should forecast the costing budgets, capital
requirement ratios, ways that will reduce costing of
new plan so that higher profits are generated. As the
manager forecast the cost it is forecasted that it would
cost around 400 euros
Scope Scope for the company includes their future thoughts
so as to achieve the success in the organisation. This
includes their goals, plans, policies and actions that will
be implemented to achieve the overall scope of the
company. Barclays bank should form policies that
would help them in utilising available resources in the
market efficiently so that they are able to maintain cost
and expand their operations with the view to increase
the overall profits.
Time It is important for any organisation to complete the task
and implement the project on time. If the plan is not
implemented on time than it would lead to increase in
To investigate the idea of globalisation.
To analysis the positive economic, cultural, and ethical impact of globalisation on
different functions of Barclays Bank such as marketing, HR, Operation and accounting.
To examine the interrelationship between globalisation is success of entire functions
at international level.
Research Plan
Project Title
Project Plan
Company Name:
Barclays Bank
Cost For any company to be successful they have to target
the cost factor at first instance. The managers in the
cost department have the responsibility to accomplish
the desired goals by achieving the cost factor before
implementing any new plan. So as to calculate the cost
managers should forecast the costing budgets, capital
requirement ratios, ways that will reduce costing of
new plan so that higher profits are generated. As the
manager forecast the cost it is forecasted that it would
cost around 400 euros
Scope Scope for the company includes their future thoughts
so as to achieve the success in the organisation. This
includes their goals, plans, policies and actions that will
be implemented to achieve the overall scope of the
company. Barclays bank should form policies that
would help them in utilising available resources in the
market efficiently so that they are able to maintain cost
and expand their operations with the view to increase
the overall profits.
Time It is important for any organisation to complete the task
and implement the project on time. If the plan is not
implemented on time than it would lead to increase in
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cost of implementation to the company. Managers
should use different procedures that will enable them to
reduce the time taken in implementation of policies for
the project. This can be accomplished by using
different theories that helps in reducing the time for the
work done. Barclays should use different policies so
that they time taken for the project is reduced and it
also helps in conducting work on time.
Quality Every organisation should provide quality product and
service to their customers. As quality is the main factor
that results in success of enterprise. Nowadays
customers are shifting towards the service that are best
in quality so Barclays should formulate a department
that checks on regular bast for any organisation to
complete the task and implement the project on time. If
the plan is not implemented on time than it would lead
to increase in cost of implementation to the company.
Managers should use different procedures that wiis that
products and services are provided with best quality in
industry. Proper training and development sessions
should be done so that employee's gives best service to
the clients which will help company to increase their
brand loyalty.
Communication Communication is one of the vital part that helps in
reaching the desired level. It helps in completion of the
project. Mangers should work in a way that it
encourages open communication so that work is
communicated in proper manner. There are different
methods of communication which enable the managers
to perform their task in proper way. Various types of
communication includes verbal communication, written
communication etc.
Risk Risk assessment should be done by every company so
that they are able to know whether their company is
efficient to do the work or not. The managers in the
should use different procedures that will enable them to
reduce the time taken in implementation of policies for
the project. This can be accomplished by using
different theories that helps in reducing the time for the
work done. Barclays should use different policies so
that they time taken for the project is reduced and it
also helps in conducting work on time.
Quality Every organisation should provide quality product and
service to their customers. As quality is the main factor
that results in success of enterprise. Nowadays
customers are shifting towards the service that are best
in quality so Barclays should formulate a department
that checks on regular bast for any organisation to
complete the task and implement the project on time. If
the plan is not implemented on time than it would lead
to increase in cost of implementation to the company.
Managers should use different procedures that wiis that
products and services are provided with best quality in
industry. Proper training and development sessions
should be done so that employee's gives best service to
the clients which will help company to increase their
brand loyalty.
Communication Communication is one of the vital part that helps in
reaching the desired level. It helps in completion of the
project. Mangers should work in a way that it
encourages open communication so that work is
communicated in proper manner. There are different
methods of communication which enable the managers
to perform their task in proper way. Various types of
communication includes verbal communication, written
communication etc.
Risk Risk assessment should be done by every company so
that they are able to know whether their company is
efficient to do the work or not. The managers in the
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organisation should regularly check the activities of the
company in way that if they are able to perform the
task accurately or not. Leaders in Barclays bank should
check the external environment of the organisation that
affects their working and should make a way that
reduces the risk that is generated from it. They should
amend the policies in a way that it does not get harmed
from changing environment in the market.
Resources This includes the resources that are available in the
organisation which enables them to operate their
operations efficiently. The resources in Barclays bank
includes the cash that is available to distribute loans to
their clients. They should utilise their resources as
when there is huge demand for the products available.
The tools that are used in the research process includes
Manpower: it is the main tool that is required by the
researcher as with the help of them the data would be
collected and research would be progressed.
Funds: These are the basic requirement for a research
proposal to be continued. As the funds are needed to
cover the data and purchase the documents which
would make the research viable.
Research equipments etc. Which are required to
achieve the outcome of research proposal. Therefore
Barclays needs to provide the research tools to the
researcher.
Type of Research
Primary and Secondary
Quality and Quantity
Research is he systematic investigation and study of
materials and sources in order to establish facts so as to
reach new conclusions. Research process includes 4
cycles that includes the
Creating Hypothesis
Creating predictions on the basis of Hypothesis
Reviewing Prediction that are made
And achieving the final result
There are two ways that are used to collect information
company in way that if they are able to perform the
task accurately or not. Leaders in Barclays bank should
check the external environment of the organisation that
affects their working and should make a way that
reduces the risk that is generated from it. They should
amend the policies in a way that it does not get harmed
from changing environment in the market.
Resources This includes the resources that are available in the
organisation which enables them to operate their
operations efficiently. The resources in Barclays bank
includes the cash that is available to distribute loans to
their clients. They should utilise their resources as
when there is huge demand for the products available.
The tools that are used in the research process includes
Manpower: it is the main tool that is required by the
researcher as with the help of them the data would be
collected and research would be progressed.
Funds: These are the basic requirement for a research
proposal to be continued. As the funds are needed to
cover the data and purchase the documents which
would make the research viable.
Research equipments etc. Which are required to
achieve the outcome of research proposal. Therefore
Barclays needs to provide the research tools to the
researcher.
Type of Research
Primary and Secondary
Quality and Quantity
Research is he systematic investigation and study of
materials and sources in order to establish facts so as to
reach new conclusions. Research process includes 4
cycles that includes the
Creating Hypothesis
Creating predictions on the basis of Hypothesis
Reviewing Prediction that are made
And achieving the final result
There are two ways that are used to collect information

in any research project, which are Primary research
procedures and secondary research procedures. Primary
research procedures includes collection of new data for
conducting the research. These data are collected for
the first timet for any organisation to complete the task
and implement the project on time. If the plan is not
implemented on time than it would lead to increase in
cost of implementation to the company. Managers
should use different procedures that wi and are
evaluated so as to give the conclusion. On the contrary
the secondary data includes already given data that has
been already collected by other researcher and may be
found in magazines or through new paper. For this
research analysis 10 individual has been taken and the
questionnaire has been sent to them so that conclusion
can be made.
There are different types of research that are done
which are :
Qualitative method: In this type of research more
emphasis is done on theoretical analysis and not on
numerical data. The different methods that are used to
collect the information includes research from web,
taking interviews, focus on group discussion etc.
Quantitative method: This the way which uses
numerical data for the analysis to be done. In this
method different sources such as newspaper, books and
journals are
procedures and secondary research procedures. Primary
research procedures includes collection of new data for
conducting the research. These data are collected for
the first timet for any organisation to complete the task
and implement the project on time. If the plan is not
implemented on time than it would lead to increase in
cost of implementation to the company. Managers
should use different procedures that wi and are
evaluated so as to give the conclusion. On the contrary
the secondary data includes already given data that has
been already collected by other researcher and may be
found in magazines or through new paper. For this
research analysis 10 individual has been taken and the
questionnaire has been sent to them so that conclusion
can be made.
There are different types of research that are done
which are :
Qualitative method: In this type of research more
emphasis is done on theoretical analysis and not on
numerical data. The different methods that are used to
collect the information includes research from web,
taking interviews, focus on group discussion etc.
Quantitative method: This the way which uses
numerical data for the analysis to be done. In this
method different sources such as newspaper, books and
journals are
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Work Breakdown Structure for the Project
Work breakdown structure: It is a structure through which whole project is divided into
small parts and set their priorities according to the requirements and then done accordingly
(Kendrick, 2015).
Planning of project: Main aim of this stage is to find out the topic of research and all the
information required to start and complete the project. Allocation of resources and time will
be done at this stage.
Implementation: All the plans made in the first stage will be implemented with proper
planning and resources. Methodologies which will be taken for research will be finalised in
this stage.
Project closer: This is the last stage in which project is about to get completed. Proper
recommendation would be done on the basis of the results which we get in the starting.
Work breakdown structure: It is a structure through which whole project is divided into
small parts and set their priorities according to the requirements and then done accordingly
(Kendrick, 2015).
Planning of project: Main aim of this stage is to find out the topic of research and all the
information required to start and complete the project. Allocation of resources and time will
be done at this stage.
Implementation: All the plans made in the first stage will be implemented with proper
planning and resources. Methodologies which will be taken for research will be finalised in
this stage.
Project closer: This is the last stage in which project is about to get completed. Proper
recommendation would be done on the basis of the results which we get in the starting.
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Gantt chart: It is a technique through which task done by the researcher is made in the
pictorial format so to analyse it. It is a way through which whole task is divided into smaller
parts according to the sequence.
pictorial format so to analyse it. It is a way through which whole task is divided into smaller
parts according to the sequence.

Research Methodology and Data Collection
Research methodology: It is a process in which raw data and information is collected so to
conduct research which helps in while taking business decisions. It is a way through which
raw data is analysed and then transform into an information (Hillson and Murray-Webster,
2017).
Data collection: It is a techniques of collecting raw data which would be use at the time of
research. There are two ways in which data can be collected,
Primary data is the data which is collected for the first time with the help of survey or
questionnaire.
Secondary data is available on online platform or in books, journals, magazines etc. It
is collected by someone else for their research (Peppers and Rogers, 2016).
Questionnaire: It is a set of questions which is asked by the researcher to the respondents
and then make an analysis of it by using different type of statistical tools.
Questionnaire
Name:
Age:
Gender:
Q1) Are you aware about the concept of globalisation?
A) Yes
B) No
Q2) What are the benefits of globalisation for Barclays bank?
A) Expansion in market share
Research methodology: It is a process in which raw data and information is collected so to
conduct research which helps in while taking business decisions. It is a way through which
raw data is analysed and then transform into an information (Hillson and Murray-Webster,
2017).
Data collection: It is a techniques of collecting raw data which would be use at the time of
research. There are two ways in which data can be collected,
Primary data is the data which is collected for the first time with the help of survey or
questionnaire.
Secondary data is available on online platform or in books, journals, magazines etc. It
is collected by someone else for their research (Peppers and Rogers, 2016).
Questionnaire: It is a set of questions which is asked by the researcher to the respondents
and then make an analysis of it by using different type of statistical tools.
Questionnaire
Name:
Age:
Gender:
Q1) Are you aware about the concept of globalisation?
A) Yes
B) No
Q2) What are the benefits of globalisation for Barclays bank?
A) Expansion in market share
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B) Maximum utilisation of resources
C) Better relationship between bank
Q3) What are the various problem which could be faced by bank due to globalisation?
A) Different diversity exposure
B) Increase in cost of operations
C) Different tax policies
Q4) Which department is most affected by globalisation?
A) Human resource
B) Marketing
C) Operations
Q5) How marketing is effective in this era of globalisation in achieving and expansion
of bank operations?
A) Awareness of services
B) Benefits to society
C) Environmental preservation
Q6) What are the factors which could help Barclays to gain competitive advantage in
other country?
A) Technological factors
B) Huge amount of capital
C) New and unique ideas and skills of foreign employees
Q7) What are the impact of globalisation on the economic growth of home country?
A) Foreign exchange deposits in bank
B) Employment in the country
Q8) What kind of resources a bank needs before entering into foreign market?
A) Economical resources
B) Advanced technology
C) Image of company
Q9: What are the negative factors arises from globalisation which could affect
Barclays performance?
A) Taxation policies
B) Availability of inexperienced workforce
C) Carbon dioxide performance
Q10) Any recommendation for Barclays that how they can improve their functions
while entering into foreign country?
C) Better relationship between bank
Q3) What are the various problem which could be faced by bank due to globalisation?
A) Different diversity exposure
B) Increase in cost of operations
C) Different tax policies
Q4) Which department is most affected by globalisation?
A) Human resource
B) Marketing
C) Operations
Q5) How marketing is effective in this era of globalisation in achieving and expansion
of bank operations?
A) Awareness of services
B) Benefits to society
C) Environmental preservation
Q6) What are the factors which could help Barclays to gain competitive advantage in
other country?
A) Technological factors
B) Huge amount of capital
C) New and unique ideas and skills of foreign employees
Q7) What are the impact of globalisation on the economic growth of home country?
A) Foreign exchange deposits in bank
B) Employment in the country
Q8) What kind of resources a bank needs before entering into foreign market?
A) Economical resources
B) Advanced technology
C) Image of company
Q9: What are the negative factors arises from globalisation which could affect
Barclays performance?
A) Taxation policies
B) Availability of inexperienced workforce
C) Carbon dioxide performance
Q10) Any recommendation for Barclays that how they can improve their functions
while entering into foreign country?
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Sample size: 10 respondents is taken for consideration. Other than that various books,
journals, newspaper, magazines, article is taken into consideration while conducting a
research.
Analysis and interpretation
THEME 1: Aware about the concept of globalisation
Q1) Are you aware about the concept of
globalisation?
Frequency
Yes 7
No 3
Interpretation: It can be concluded from the about chart that 7 out of 10 people have
knowledge about globalisation but on the other hand there are only 3 people who does not
have knowledge about globalisation. So it can be concluded that information of globalisation
is common among individuals.
THEME 2: Benefits of globalisation for Barclays bank
Q2) What are the benefits of globalisation
for Barclays bank?
Frequency
A) Expansion in market share 4
B) Maximum utilisation of resources 5
C) Better relationship between bank 1
Yes No
0
1
2
3
4
5
6
7
7
3
journals, newspaper, magazines, article is taken into consideration while conducting a
research.
Analysis and interpretation
THEME 1: Aware about the concept of globalisation
Q1) Are you aware about the concept of
globalisation?
Frequency
Yes 7
No 3
Interpretation: It can be concluded from the about chart that 7 out of 10 people have
knowledge about globalisation but on the other hand there are only 3 people who does not
have knowledge about globalisation. So it can be concluded that information of globalisation
is common among individuals.
THEME 2: Benefits of globalisation for Barclays bank
Q2) What are the benefits of globalisation
for Barclays bank?
Frequency
A) Expansion in market share 4
B) Maximum utilisation of resources 5
C) Better relationship between bank 1
Yes No
0
1
2
3
4
5
6
7
7
3

Interpretation: 4 respondents has chosen expansion of market share as they thinks that it
will help bank to expand their market and customer share in other countries. 5 thinks that
bank would attain maximum utilisation of resources and at last 1 thinks that relationship
between Barclays another banks would be good.
THEME 3: Various problem which could be faced by bank due to globalisation?
What are the various problem which could
be faced by bank due to globalisation?
Frequency
A) Different diversity exposure 3
B) Increase in cost of operations 5
C) Different tax policies 2
A) Expansion in market share
B) Maximum utilisation of resources
C) Better relationship between bank
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
5
4
5
1
A) Different diversity exposure
B) Increase in cost of operations
C) Different tax policies
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
5
3
5
2
will help bank to expand their market and customer share in other countries. 5 thinks that
bank would attain maximum utilisation of resources and at last 1 thinks that relationship
between Barclays another banks would be good.
THEME 3: Various problem which could be faced by bank due to globalisation?
What are the various problem which could
be faced by bank due to globalisation?
Frequency
A) Different diversity exposure 3
B) Increase in cost of operations 5
C) Different tax policies 2
A) Expansion in market share
B) Maximum utilisation of resources
C) Better relationship between bank
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
5
4
5
1
A) Different diversity exposure
B) Increase in cost of operations
C) Different tax policies
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
5
3
5
2
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