First: Greet, welcome to (the bank's name),How may I help you? Second: Do some friendly chit chat along you do the transaction. Third: After finishing up the transaction, should look at their profile and see what kind of products/services they might need, and ask them if they have time to do that today with the personal banker, if not try to jot down their contact number and schedule an appointment with the personal banker. If not, then Finally: Tell them to have a great day and thank you for banking with us.
Starts with the income statement, which brings you to net income. Net income is used to start the statement of retained earnings. Once retained earnings is calculated it is posted to the balance sheet in the equity section of the statement. Net income is also used to start the cash flows statement, which eventually gives you the change in cash flows that is posted in the asset section of the balance sheet.
Attempt to understand each person's concerns to arrive at a conjectural solution, but ensure that every party is aware of other concerns in order to find a broader solution that mitigates internal issues while solving the problem assigned.
The CAPM which is E(r) = Rf + Beta *(Rm A model that describes the relationship between risk and expected return and that is used in the pricing of risky securities. Capital Asset Pricing Model (CAPM) The general idea behind CAPM is that investors need to be compensated in two ways: time value of money and risk. The time value of money is represented by the risk-free (rf) rate in the formula and compensates the investors for placing money in any investment over a period of time. The other half of the formula represents risk and calculates the amount of compensation the investor needs for taking on additional risk. This is calculated by taking a risk measure (beta) that compares the returns of the asset to the market over a period of time and to the market premium (Rm-rf).
Capital Asset Pricing Model (CAPM) consists of E(r) = Rf + B(Rm-Rf) Rf1 = Risk free rate which usually consists of Beta = company's stock performance against stock market Rm = Expected return from market CAPM ASSUMPTIONS Investors hold diversified portfolios This assumption means that investors will only require a return for the systematic risk of their portfolios, since unsystematic risk has been removed and can be ignored. Single-period transaction horizon A standardised holding period is assumed by the CAPM in order to make comparable the returns on different securities. A return over six months, for example, cannot be compared to a return over 12 months. A holding period of one year is usually used. Investors can borrow and lend at the risk-free rate of return This is an assumption made by portfolio theory, from which the CAPM was developed, and provides a minimum level of return required by investors.
I usually ask the client to step into my office and explain the situation to me and I sit accross from them and listen very carefully. I find most times the customer wants to vent and have a person to listen to them. I solve the problem to the best of my ability and at all times letting the client know where we are within the situation