Not so ethical advertising

Article Abstract:

The UK Co-operative Bank has been criticised over its advertising campaign for a bond. The bond was advertised at a rate of 9.25%. This is simple interest, paid after three years, so a bond at 8.5% per annum offers similar returns. The complaint may be referred to the Advertising Standards Authority. The bank argues that it is using standard practice and that the conditions are set out in the brochure for the product which detail rates paid per month and on maturity.

Marketing, Co-Operative Bank PLC

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Banco Bilbao Vizcaya

Article Abstract:

Banco Bilbao Vizcaya (BBV) was created from the merger of Banco de Vizcaya and Banco de Bilbao. BBV accounted for over 25% of the profit of the whole of Spain's domestic banking system in 1995. The bank aims for leadership in the sectors it operates in and holds major stakes in Spanish companies. The bank has also carried out acquisitions in Latin America. The bank is seen as cost efficient and should benefit from an expected revival in Spanish economic growth.

Management, Company Profile, Banco Bilbao-Vizcaya S.A., Banking industry, Spanish

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Let off with a caution

Article Abstract:

Banks in Manchester, England, tend to be wary of the risks involved in lending to smaller firms though this could change as banks develop new ways of assessing companies. Assets have traditionally been important but more attention may be focused on cash flow. Some banks focus on relationship banking rather than using a formulaic approach. Smaller firms often use more than one bank and competition could improve the service they receive from banks.

Small Business, England, Manchester, England

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