EMS Marketing

Archive for the ‘Corporate’ Category

The White House warned banks Tuesday it would pursue them for any mortgage practices that violated the law, piling pressure on the financial sector after two institutions lifted their freezes on home foreclosures.

Bank of America said on Monday it was partially lifting its foreclosure suspension, and GMAC Mortgage, one of the largest servicers of U.S. residential loans, followed suit.

The moves followed two weeks of damaging accusations that financial institutions’ use of shoddy paperwork caused some borrowers to be illegally evicted from their homes.

The controversy, which has drawn public outrage and sparked government probes, has raised new fears about threats to bank earnings and the health of the fragile housing market, which has been battered by falling prices and foreclosures of nearly 3 million homes since January 2007.

The White House has rejected calls for a nationwide moratorium on foreclosures, but it signaled Tuesday that even as banks lift their freezes, government investigations would proceed.

“As institutions are determining their next steps in addressing these issues, we remain committed to holding accountable any bank that has violated the law,” White House spokesman Robert Gibbs said in a statement.

“In addition to strongly supporting the investigation by the state attorneys general, the administration’s Federal Housing Administration and Financial Fraud Enforcement Task Force have undertaken their own regulatory and enforcement investigation into the foreclosure process.”
Copyright 2010 Thomson Reuters. Click for restrictions.

Rabobank Group recorded a net profit of the first semester of 2010 increased by 26 percent to 1.661 billion euros compared with the same period the previous year which amounted to 1.316 billion euros.

Meanwhile, liquidity and equity position continues to increase to exceed 40 billion euros. Tier I ratio increased 1.1 points to 14.9 per cent level and the Rate of Return on Equity (Return on Equity / ROE) stood at 10.3 percent level.

“Although the economic recovery continues slowly, the Dutch economy is now also shows erratic movement which actually helped some of our customers to improve their financial performance”, said Chairman of the Executive Board of Rabobank Group Piet Moerland in a press release to okezone, Monday (30 / 8 / 2010).

As a result of uncertain economic recovery is the reduction of bad debt expenses amounted to approximately 50 percent at Rabobank.

“We need a strong capital position to be able to continue to offer the best service to customers, our retail and wholesale, as well as maintaining good relations with them, at this moment and also in the future. One area that remains our focus is operational efficiency, where we will not eliminate the benefit of our clients and members. And as a cooperative bank, we remain committed to improving innovation and our role in society, “he added.

The Rabobank market share in the housing loan market increased slightly to 31 percent and market share in the SME market Rabobank remain in figures 41 percent. Loans to food and agriculture sector continues to increase at Rabobank International and De Lage Landen.

Loan portfolio increased from the second division due, one by the rising value of U.S. dollar. During the first six months of 2010, so the loan at the group level increased five percent to 435 billion euros.

Meanwhile, during this first semester Rabobank collect more customer deposits so that customers’ funds increased by four percent at the group level, reaching 298 billion euros. More retail customers entrust their money to local banks Rabobank, where this is an impact on savings deposits increased by 3 percent to 125 billion euros.

Inflow of assets and the soaring value of assets in U.S. dollars and Swiss francs have an impact on increasing funds under management and funds custodian for customers to reach 298 billion euros. As conditions in financial markets, investment returns to clients at an average rate of negative.

“Uncertain economic recovery in the second half of 2010 led to increased customer activity carefully, as a result of loan growth is still limited. We predict that although the cost of bad debts still exceed the average long term, these figures will remain below average in the year 2009. Rabobank Group expects to continue to strengthen its capital position and maintaining its liquidity position in the second half of this year

As mentioned in previous articles about some understanding of marketing the image of the company (corporate image), so this time will be given some explanation that is expected to complement the company’s image understanding (corporate image).

Nguyen and Leblanc previous opinion, namely:
“Corporate image is described as overall impression made on the minds of the public about organization. It is related to business name, architecture, variety of products / services, tradition, ideology, an to the impression of quality communicated Each employee by interacting with the organization’s clients. ”

So corporate image is the overall impression formed on mind people about the company. Where the image associated with your business name, architecture, variety of products, traditions, ideology and the impression on the quality of communication made by any employee who interacts with the client organization.

This indicates that the company’s image not only shows the impressions of individual attributes, but rather the overall role and function of the company. In other words, corporate image can be perceived as a mental image selectively. Because the overall impression about the characteristics of a company who would later form the corporate image mind community.

In the company there are a variety of information and conclusions about the company. Each company can have more than one image depending on the condition of the company interaction with different groups, such as: customers, employees, shareholders, suppliers, where each group has different experiences and relationships with the company.

In other words, the image of the company resulting from the valuation group of consumers, so that corporate image is the value of an enterprise of the evaluation group. Therefore, the image that the company can be rated positively or negatively.

Often there is a tendency stakeholders rarely interact with the company, thus reducing their capacity to obtain concrete information about the company. This is what sometimes causes confusion on imaging the perception of a company’s stakeholders. To that end, companies need to communicate clearly about the company expected, so it can direct the company’s imaging community in a positive way. Further, the image is the result of assessing the number of attributes, but the image is not the assessment itself, because the image is the most prominent consumer impression of the company, which is evaluated and considered by consumers in making purchasing decisions.

To complement the literature on corporate image (corporate image) is also a journal with the title, “The Effect of Corporate Image in the Formation of Customer Loyalty”, which can be downloaded on the sidebar of this blog.

Each company has realized or not the image that has been attached to the company. Not a few goods or services produced very strong company image in the minds of consumers. Articles maketing this time will deliver a variety of things related to the company’s image or corporate image.

Kotler explained that “corporate image is the consumer’s response to the total offering and is defined as a source of the belief, ideas, and impressions That a public has an organization.”

This means that corporate image is the consumer response to the overall offering of the Company and is defined as the number of beliefs, ideas, and impress people in an organization.

Meanwhile, Nguyen and Leblanc revealed that the company’s image as:
“Corporate image is described as overall impression made on the minds of the public about organization. It is related to business name, architecture, variety of products / services, tradition, ideology, an to the impression of quality commuicated Each employee by interacting with the organization’s clients. ”

Artiya corporate image is the overall impression formed dibenak people about the company. Where the image associated with your business name, architecture, variety of products, traditions, ideology and the impression on the quality of communication made by any employee who interacts with the client organization.

Dowling said that, “corporate image is a set of beliefs and feeling about the organizations.” Can be interpreted that the company’s image is a set of beliefs and feelings about an organization.

The image can be considered as public perceptions of the experiences, beliefs, feelings and knowledge society itself against the company, so that aspect of company-owned facilities, and services delivered to consumers may affect employees’ perception of consumers toward the image.

Thus the image is one of the most important asset of the company or organization should be established and maintained continuously. A good image is a powerful tool, not only to attract consumers to choose products or companies, but also can improve the attitudes and customer satisfaction to the company.

Corporate image can not be engineered, meaning that the image does not come by itself but shaped by society, and transparency of corporate communications efforts in an attempt to build a positive image as expected. Efforts to develop the image could not be done at random at a certain point, but is a long process. Because the image is the perception of all objects created by consumers with a way to process information from various sources over time.

Keep this blog article for the nitty gritty of marketing the image of the company (corporate image) will be revealed more in the next few posts.
Salam success. Hopefully useful.