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Robin Trehan
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Robin Trehan has a Bachelor’s degree in Economics and Public Administration, a Master’s degree in International Business Finance and Marketing from ENPC School of International Management (France) and a Master’s degree in Electronic Commerce/Systems (E-business) from Grenoble Ecole De Management... More
  • Robin Trehan Banking Ratios And CAMELS Rating To Look At While Buying A Small Bank

    If you're interested in buying a small bank, what should you focus on? Experts suggest that you look into the banking ratios and the CAMELs rating. These two factors determine the success rate and the bank's profitability that you should consider. Whenever you buy a small bank, the competition may be slightly difficult to handle. That is the main reason you should do your due diligence properly. Here are some important aspects you should focus on when you wish to buy a small bank.

    Banking ratios such as the liquidity ratio must be a focus when deciding to buy a small bank. How much capacity does the bank have to make up for the money that constantly flows in and out of the bank system? Pay attention to this when you wish to purchase a bank. Consider the business flow and management type applied to sustain that ratio. If the ratio is too high or too low, then the bank is not a good investment at all. But, if the ratio is within the middle, then it most like maintains its function at an optimal level. Look into efficiency ratios of the bank, it gives you an idea how much money does it takes for the bank to make one dollar. Look into the loan loss reserves, the loan portfolio.

    The CAMELS rating offers you authorized insight on a bank's performance. This is a U.S. supervisory rating that focuses on the component aspect of a bank, namely: capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. This system is used by the United States in order to qualify the functionality banks. Although the rating (1 being strongest and 5 weakest) isn't shown to the public, the top management of the banking company has access to this data. If you wish to purchase the bank based on this rating, make sure you have access to this data through proper measures taken. Some of the things to be review 1. Review regulatory reports, 2. Review portion of loan portfolio 3. Review ALLL methodology and process. 4. Review portfolio of HTM securities for impairment, 5. Review minutes 6. Review call reports, and external audit.

    When you wish to buy a small bank, always consider these two factors. Experts suggest that this will help you identify a functional bank from a struggling one. The methods that surround that particular bank of interest should meet market demands, and with the patterns established through the ratios and the CAMELS rating, you will know if a small bank is worth the purchase.

    Robin Trehan B.A, MIB, MBA is a financial expert, associated with Keyfunds and Credit Capital Funding. More information www.Keyfunds.com. A bank finders firm.

    Aug 16 11:15 PM | Link | Comment!
  • 15 P's Of Marketing-Robin Trehan-B.A, MIB, MBA Product, Price, Place, Promotion, Public, Personalization, Packaging, Positioning, Protection, Presentation, Payment, Purse, Pouch, Promise Principal Robin Trehan, Is Marketing And Brand Expert With B.A, MIB

    15 P's of Marketing defined by Robin Trehan

    1. Product- What Product is being offering.

    2. Price- What Price the product is being offered?

    3. Place- What Place the product is offered?

    4. Promotion- What kind of promotion is being offered?

    5. Public- What is the customer base or target audience which might lead to market segmentation.

    6. Personalization- Personalization of the product to the target customers and customer segment.

    7. Packaging- Bundle of services, in case of service based product and in case of physical product shelf life of product.

    8. Protection- Guarantee, Service package, after service.

    9. Positioning- identifying and attempting to occupy a market niche for a brand

    10. Presentation-What kind of management or brand is standing behind the product.

    11. Payment- It will include the key component of forms of payment as well as the cut for the payment processors and processing of product sold.

    12. Purse- financial strength of customers or target audience.

    13. Pouch- how much % of the Purse (overall market) the company is able to capture and what is the % captured by competitors.

    14. Promise- commitment, quality, brand performance.

    15. Principles- the capital invested in the product to define the ROI, brand value, company values and principles.

    Sep 02 2:04 PM | Link | Comment!
  • Robin Trehan Defines The 11 P's Of Marketing.

    11 P's of marketing from as defined

    1. Product- What Product one is offering.
    2. Price- What Price the product is being offered.
    3. Place- What Pace the Product is offered.
    4. Promotion- What kind of Promotion is being offered?
    5. Public- What customer base or target audience. Market segmentation.(click to enlarge)
    6. Personalization- Personalization of the Product to the target customers and customer segment.
    7. Payment- It will include the key component of forms of payment and the cut for the payment processors and processing of product sold.
    8. Purse- financial strength of customers or target audience.
    9. Pouch- how much % of the Purse the company is able to capture and what the % captured by competitors.
    10. Promise- commitment, quality, brand performance
    11. Principal- which is the Capital invested in the product to define the ROI
    Product, Price, Place, Promotion, Public, Personalization, Payment, Purse, Pouch, Promise Principal
    Robin Trehan, is marketing and brand expert with B.A, MIB and MBA

    Tags: marketing, sales
    Oct 11 11:38 AM | Link | Comment!
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