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Financial Organization Analysis Example

Essays on Financial Organization Analysis Assignment Running Head: J.P. Morgan business; A Swot Analysis. J.P. Morgan business. College J.P Morgan is a U.S multinational with a heavy presence in the financial sector; it is particularly conspicuous in securities business, investment services as well as retail banking. The institutions history dates back to the year 1799 when its very first predecessor was chartered. It has grown over time acquiring new partners thus strengthening its position to withstand the test of time and become what it is today; Sir J.P. Morgan become a senior partner in the year 1895 and the firm was renamed J.P. Morgan and Co. It acquired Bear Stearns Companies Inc in 2008 which further strengthened its capabilities in the wide range of business. In 2010 it fully took over ownership of J.O. Morgan Cazenove making it even stronger in terms of assets and capital. J.P. Morgan has positioned itself strategically as an institution building relationships with its target customer thus the slogan â€Å"The right relatio nship is everything else.† Swot Analysis. J.P. Morgan as an institution targets mostly affluent investors who are both enterprises and individuals. It enjoys a strong brand, visibility and a stable financial base as well as a great presence across the world. It in fact has employed more than two hundred and fifty thousand people in the whole world. Strength involves its excellent services offered to customers owing to its extensive retail branch network. Products offered include agent lending, custody services, depository receipts, clearing, collateral management, financing prime brokerage and fund management services. Its brand is heavily present in the business to business segment and this is a real plus on its image. More importantly it’s the biggest bank in America considering its sales, the market value, profitability and asset base. Weaknesses are also there despite its many strengths; it has continued over time to depend on the American units for profitability. There is also a growing amount of competition fr om other firms providing financial services and the market in the financial services keeps fluctuating thus not easy to forecast. Competitors include, ING, Prudential and wells Fargo groups. Opportunities for J.P Morgan include; expanding into other markets in foreign countries with its strong brand as well as stable capital position. There is also a very great opportunities in diversifying product portfolios for the customer. This will reduce dependence on traditional products and business models thus check the threat posed by competitors. They also have an opportunity to have investments across the world under the auspices of the global stature. Opportunity also exists in increasing the commercial banking business and entering into more joint ventures. Two major threats are there to the business of J.P Morgan. These involve the ever changing industry regulations by government financial crises in the form of recessions. The ever unstable market for mortgage business in the United States and across the world is another important threat to the business. How J.P Morgan could capitalize on strengths to minimize weakness. The corporation has a very firm financial base and this can be taken advantage of to minimize weaknesses by expanding and investing in foreign markets. Being the largest bank in the United States by profitability and asset base it should take advantage of this position to acquire more small firms and enter into more joint ventures so as to further consolidate the capital position. Diversifying products range will also help J.P. Morgan stand strong in the ever fluctuating market place as a well performing line will be leaned on incase another line is hit. The greatest asset lies in expansion and diversification as this will remove the complacency of depending on traditional products and banking models thus remain relevant in the fast changing global market as well as weather the ever increasing competition. Existence of many regulations such as the home mortgage disclosure act, Equal Credit opportunity Act and lending limits put a heavy burden on financial institutions to comply. This threat is compounded by the fact that these regulations are ever changing and a financial institution may easily find itself in a legal suit. During the company’s announcement of its third quarter results the most important message was that it was not going to be profitable as should have been. This is majorly due to government regulations as well as the legal problems the company faces. The structure of the American government places financial institutions under regulation by many agencies. J.P. Morgan for instance is subject to regulations by OCC, SEC, CFTC, and FDIC at various levels putting in a huge burden that sometimes leads to losses (Murphy, 2013). Capital requirements, antimony laundering responsibilities and many other government regulations make it difficult financial institutions to sm oothly carry on their business. The Volcker Rule which is part of Dodd-Frank Financial reform law places limits on how much one investment back may fund its own privately owned equity funds. It also puts restrictions on risky though profitable trading in which institutions use their internal funds to fund trades. These requirements forced the company to let its private equity ranch to become independent (Scott, 2013). Financial institutions such as JPMorgan Co. can minimize the impacts of regulation by ensuring strict adherence to the existing policies so as to avert possible legal suits that affect their capital positions. The pressure exerted by capital requirements can be weathered by holding an excess of the requirements as they did in anticipation of tough economic times ahead in the periods before recession. (Murphy, 2013). This is a very prudent step as for instance it assisted JPMorgan come out of the recession unaffected hence applied to requirements of government could be a very apt cushion. Another way to avert negative impacts of regulation is for JPMorgan working together with other financial institutions engage and negotiate with government to implement policies that make the business environment favorable. Reference. 1. Daniel Darst et al. (2009) Journey: Retirement Insights and Solution from J.P. Morgan. 1st Ed. 2. Edward V. Murphy. (2013). Who Regulates Whom and How? An Overview of U.S. Financial Regulatory Policy for Banking and Securities Markets. Congressional Research Service. 3. Scott Gamm. (2013). JPMorgan To Spin Off Private Equity Business As Volcker Rule Comes To Life. Forbes. Retrieved at http://www.forbes.com/sites/scottgamm/2013/06/14/jpmorgan-to-spin-off-private- equity-business-as-volcker-rule-comes-to-life/ 4. Sital S. Patel. (2013). Superstorm of Regulation and Capital rules Forces J.P. Morgan to Retreat, Experts Say. The Wall Street Journal, retrieved at http://blogs.marketwatch.com/thetell/2013/10/11/superstorm-of-regulation-and- capital-rules- force-j-p-morgan-to-retreat-experts-say/

Indigenous Booklet Australian Bureau of Statistics

Question: Discuss about theIndigenous Bookletfor Australian Bureau of Statistics. Answer: According to different health indicators highlighting health gap in indigenous Australians, there is need to take action to address the issues and provide equal opportunity for access to health care. The following are the plan proposed for improving health status in this group- Introduction Health in Indigenous Australians The Australian Bureau of Statistics reveals that there is significant gap in health outcome of indigenous and non-indigenous Australians. The key attributes that highlights this findings includes the following: Factors Contributing to Gap in Health Status of Indigenous and Non-Indigenous Australians The poor health outcome in indigenous Australians can be understood from the context of social determinant of health and behavioral risk factor in the group. Plan for Health Improvement in Indigenous Group Reference Gould, G.S., Munn, J., Watters, T., McEwen, A. and Clough, A.R., 2013. Knowledge and views about maternal tobacco smoking and barriers for cessation in Aboriginal and Torres Strait Islanders: a systematic review and meta-ethnography.Nicotine Tobacco Research,15(5), pp.863-874. Hospitalisation Overview of Aboriginal and Torres Strait Islander health status 2015 Health facts Australian Indigenous HealthInfoNet. (2016).Healthinfonet.ecu.edu.au. Retrieved 24 September 2016, from https://www.healthinfonet.ecu.edu.au/health-facts/overviews/hospitalisation Hunt, L., Ramjan, L., McDonald, G., Koch, J., Baird, D. and Salamonson, Y., 2015. Nursing students' perspectives of the health and healthcare issues of Australian Indigenous people.Nurse education today,35(3), pp.461-467. Indigenous health (AIHW). (2016).Aihw.gov.au. Retrieved 24 September 2016, from https://www.aihw.gov.au/australias-health/2014/indigenous-health/ Mirzaei, M., Aspin, C., Essue, B., Jeon, Y.H., Dugdale, P., Usherwood, T. and Leeder, S., 2013. A patient-centred approach to health service delivery: improving health outcomes for people with chronic illness.BMC health services research,13(1), p.1. Mitrou, F., Cooke, M., Lawrence, D., Povah, D., Mobilia, E., Guimond, E. and Zubrick, S.R., 2014. Gaps in Indigenous disadvantage not closing: a census cohort study of social determinants of health in Australia, Canada, and New Zealand from 19812006.BMC Public Health,14(1), p.1. Phillips, B., Morrell, S., Taylor, R. and Daniels, J., 2014. A review of life expectancy and infant mortality estimations for Australian Aboriginal people.BMC Public Health,14(1), p.1. Sarrami-Foroushani, P., Travaglia, J., Debono, D. and Braithwaite, J., 2014. Implementing strategies in consumer and community engagement in health care: results of a large-scale, scoping meta-review.BMC health services research,14(1), p.1. Shepherd, C.C., Li, J. and Zubrick, S.R., 2012. Social gradients in the health of Indigenous Australians.American journal of public health,102(1), pp.107-117. Social determinants and the health of Indigenous peoples in Australia a human rights based approach | Australian Human Rights Commission. (2016).Humanrights.gov.au. Retrieved 24 September 2016, from https://www.humanrights.gov.au/news/speeches/social-determinants-and-health-indigenous-peoples-australia-human-rights-based Ware, V., 2013.Improving the accessibility of health services in urban and regional settings for Indigenous people(Vol. 27). Australian Institute of Health and Welfare.