We Propose Rhb Bank Marketing Essay

We Propose Rhb Bank Marketing Essay We propose RHB bank to have co-branding with Padini Concept Store and come out with a RHB-Padini Concept Store Credit Card to extent the RHB Platinum Card. Our target audience are workers and upper middle class who are aged at a range between 25 to 45 years old. One of the promotion strategies we propose to the RHB bank is through Sales Promotion by using various types of vouchers. And other types of promotion strategies such as Personal Selling Strategy, Advertisements and Social Media Marketing Strategy and Direct Marketing Strategy. 1. Sales Promotion Strategy Sales promotion is a short-term incentive to encourage the purchase of a sale a product or services. This may be used to help RHB bank tap into and extent the market in the Padini concept store. A cash voucher may attract customers to induce them in an instant sale and help the consumers to save more. Simultaneously, Padini Concept Store will also be able to increase their sales revenue, increase the number of RHB banks cardholder and gain loyalty from customers. This is a three wins situation to each other. The supplementary cardholders are not eligible for this Promotion. RHB bank could help the cardholders to save more money by sending Padini Concept Store a monthly 20% discount voucher to every cardholder through mail according to the applicants address. It includes seasonal promotions for example, Mothers Day, Fathers Day, Christmas, Chinese New Year, Halloween, and Valentines Day and so on. The cardholder will be given a Padini monthly discount voucher to get discount on the products among the brands available in Padini concept store. If the Padini is doing 10% discount on all items, by using this voucher, the customer can get another extra 20% discount. For example, if when there is Mothers Day, the cardholders are only allowed to redeem the 20% discount in the women department. However, the Padini monthly 20% discount voucher is only valid in every first week of the month. Upon the cardholder birthday, the existence RHB Platinum Credit Card will have 30% cash back during cardholder birthday month. In order to improve, RHB bank will contact that particular cardholder, to inform him or her to come over the Padini Concept Store to get a birthday gift voucher. The birthday gift voucher is worth RM 50. The cardholder may use this voucher to redeem any products sold in Padini Concept Store with the price at or below RM 50. However, if the price of the product is below RM 50, the extra balance is not refundable. Consequently, the cardholder will need to pay extra money to purchase the products if the amount exceeded RM 50 that offer in Padini store by using RHB-Padini Concept Store Credit Card to collect 5 times reward points. However, the voucher can only be used in Padini concept store. In the Padini Concept Store, there are several brands such as SEED, PCO, PDI, MIKI, VINCCI, and BRANDS OUTLET. The cardholders are allowed to choose to purchase any of the p roducts offered by these brands. 2. Personal Selling Strategy RHB bank may adopt the method of personal selling strategies for trying to induce potential consumer to apply for RHB-Padini Concept Store Credit Card in a road show inside or outside the shopping mall, because there are heavy human traffic and many potential customers. Personal selling is the selling of products and services by face-to-face contact with the customer. This can be done by having salespeople approaching the potential customers in person. If the customer is an existing RHB credit card holder, then the salespeople offer the customer the RHB-Padini Concept Store Credit Card as a cross selling. However, the salespeople must be well trained, because the salespeople is the person who will communicate directly and immediately to get the consumers feedback. It is a two-way communication. It can be expensive and time consuming, but also is the most effective form of promotion if compare to other mass communication because the salespeople can make adjustments to address questions or concerns to make the customer much understand about the product. Here is a relationship between personal selling and sales promotion. The first 200 applicants to apply RHB-Padini Concept Store Credit Card, no matter in bank or online purchase, the applicants are entitled to get a RM 200 Padini cash voucher and a free HP laptop bag that worth RM 70 for every cardholder. 3. Advertisements and Social Media Marketing Strategy Advertising is a form of mass communication that is paid for and involves the non-personal presentation of goods and ideas. It usually classified as two types, above-the-line and below-the-line. Through advertising, RHB bank can communicate and inform potential customers about products and services. Also, telling the consumers about the features and benefits and how to obtain it and finally persuade them to make a purchase. It is important for the consumers to know what are the company trying to offer and it create a position in the market place. Hence, it will enhance both the Padini Concept Store and RBH banks reputation and positive image. This is the relationship of Sales with advertising and promotions. Above-the-line advertising such as television and newspaper does not provide information regarding the promotions effectively and it can be expensive. Therefore, RHB bank can go for social media marketing strategy such as the internet. As internet are easily accessible and requires a relatively low cost, more information can be provided and easy for the consumer to obtain the information in the company website. They can just click on the particular advert in the website at everywhere in the world and 24 hours a day. This advertisement enables an organisation to reach every single potential consumer at a very low cost. Nowadays, popular social networking sites like Twitter and Facebook can be used to spread the news regarding the promotions. RHB bank may also consider creating a Facebook page and putting all the relevant information or pay an advertising fee to create a small advertisement on Facebook social network to build the awareness of the RHB-Padini Concept Store Credit Card am ong the Facebook users. The another method is below-the-line advertising, RHB bank may adopt direct mail to send the gift voucher together with Padini catalogues to deliver the current promotion to existing customers who already have saving account and current account or other type of RHB credit card holder to apply for RHB-Padini Concept Store Credit Card. This method is also known as cross selling. Because there are potential, it can lead to a higher probability of getting converted into actual sales. The more financial products and services they have, the more profitable the RHB bank is. The feedback from customers also will immediately be responded, therefore it is easier to measure the positive result. Because RHB bank is suggested to create a Facebook fan page in order to encourage more people to like the page, there must has a gift such as a recycle bag which is printed RHB bank logo to those who have like-ed the Facebook page during the road show. Some of the Padini Concept Store catalogue and any information about RHB-Padini Concept Store Credit Card may be printed on the recycle bag as an advertising tool. Besides, RHB bank may also distribute the company survey form during road show. For those who have completed the survey will get a free pocket umbrella that has a RHB bank logo printed on it and RHB-Padini Concept Store Credit Card image. Therefore, it can also be an advertising tool for RHB bank. The last advertisement tool suggests to RHB bank is advertising the RHB-Padini Concept Store Credit Card in a current on air movie. For example, the main character going to the RHB bank and show the RHB bank logo and the artist use the RHB-Padini Concept Store Credit Card to make payment in the film. For who have watched the movie no matter in cinema or home will also get the message. Because it is advertised in a movie, it will be impressive and positive positioning to the viewer therefore they will likely to apply the RHB-Padini Concept Store Credit Card. 4. Direct Marketing Strategy (Telemarketing and Direct Selling) Besides, RHB bank also can do direct marketing. Direct marketing is attractive because its positive results can be measured directly. Telemarketing takes the time and cost for finding new customers in the right time and right people, or generating interest in RHB-Padini Concept Store Credit Card by taking the information directly to the customer. Besides, it is easy to target the best customers and reach the prospects question with the most potential customer. The purpose of this method is to expand the market and increase the number of customer and sales. Telemarketing consistently outperforms all other forms of marketing and is the most powerful, cost-effective marketing tool available today. Thus, it should be part of RHB bank marketing plan. Direct selling is the marketing of products or services to consumers through sales tactics (give voucher) including presentations without go through any middle man. If the cardholder spends more than RM 300 in a single receipt, he or she will get a RM 30 Padini cash voucher. However, there is a maximum amount for the cardholder to get a RM 100 Padini cash voucher which is to spend RM 1799 or above in a single receipt on with RHB-Padini Concept Store Credit Card and obtain the voucher at the payment counter. As a conclusion, promotion strategy is a useful tool in attracting customers. Simultaneously, it can also help the Padini concept store to achieve higher profitability and strengthen their markets position in the clothing industry and also gain the customer loyalty in RHB bank. Promotional strategies are important for financial services to continual growth, because it is an intangible product, in order to increase the number of customer, there must be enough information and attractiveness to enhance the customer to make purchasing decision.

Home Depot

In addition they also responded to concerns bout its environmental impact by creating new standards to govern its relationship with its suppliers. The legitimacy of the company and stakeholders also showed because they wanted to make sure that Home Depot's appearance of being environmentally responsible is not a sham. Home Depot showed their urgency by responding immediately to growing need for large corporations to become economically responsible. Home Depot strategies and performance with the environmental and employee stakeholders is a proactive approach as well as doing ore than what is required in the industry.They have donated millions to Red Cross and other relief funds, they also opened workshops for women, children and new homeowners. This earned them a â€Å"A† on the Council on Economic Priorities Corporate Report Card and a Proactive on their business approach to be environmentally and socially responsible. Home Depot Justified the budgeting of so much money for ph ilanthropy as a publicly traded company because they feel that this is something the stakeholder like to see in a company.When Home depot suspended the stock uh-back program in 2007 to avoid losses and to prevent from borrowing they used their own revenues to cover their expenses. The stakeholders and customers were happy that the company could stay a float as well as donate millions to environmental and social issues. Home Depot may also benefit from some type of scholarship fund or tuition reimbursement program for the employees. Or saving as many tree in the Rain Forest as they cut down in other forests by donating. Home Depot stopping expansion of new stores and upgrading the remaining stores seem to e a good strategic plan.By using their on revenues to cover their expenses instead of borrowing prove to be a good measure as well because as the recession subsides they were still the number one in the industry and did not owe any creditors. My suggestion to the CEO is to continue doing as you are and you will continue to be number in the industry. Key Stakeholders And Concerns : Shareholders: economic and profit concerns Employees: EEOC concerns Environmental: Abiding by Environmental Principles Customers: has the stores improved Key Facts:Home Depot manage customers relations by consolidating marketing and merchandising functions; Which helped customers to do home improvement projects more effectively and efficiently. The company had its ups and downs with its ratings due to their proactive approach. They showed good customer service and social responsibility by starting workshops for women, children and new home owners to teach them basic carpentry skills, starting as young as five years old. Home depot Environmental initiates started when they adopted a set of environmental principles .Guided by these principles, Home Depot has initiated a number of programs to minimize the firm's and its customers impact on the environment. Home Depot focuses corporate s ocial responsibility efforts on affordable housing and disaster relief. In 2002 the company founded the Home Depot Foundation, which provides additional resources to assist nonprofits in the United States and Canada. 1997 the company settled a class- action lawsuit brought by female employees who alleged that they were paid less than male employees, awarded fewer pay raises, and promoted less often.Home Depot encourages employees to become involved in the community through volunteer and civic activities. Home Depot has worked to show that it appreciates workforce diversity and seeks to give all its associates an equal chance to be employed and advance in its stores. CEO Frank Blake decided to halt expansion and focus on improving existing stores. Shut down expo stores that catered to the wealthier class. Home Depot reaction to the recession was swift and decisive. Initiated new technology to improve customer service and become more efficient. Home Depot The home depot has been around for many many years. It all started out a partnership and became a corportation that it currently is today. The Home Depot was founded in 1978 by two poor men. Their names were Bernie Marcus and Arthur Blank. They were accompanied by investment banker Ken Langone and merchandising guru Pat Farrah. They not only have stores throughout the United States but the Home Depot is a multinational corporation. They have broken into Canada, District of Columbia, Puerto Rico and Mexico. They are the United States’ largest retailer behind Wal-Mart.They are the largest home improvement retailer though. In 2000, the arrival of the new Chief Executive, Robert Nardelli, had changed the business strategy of the Home Depot to a more militaristic style. Under Nardelli's leadership, Home Depot is becoming more centralized and the good financial reports following this are signs that it a good strategy. Nardelli started making the company look and feel like an army. H e loved to hire soldiers, because they were already trained with the discipline that he felt necessary to run a successful business.The Home Depot's stock is traded on the New York Stock Exchange and is included in the Dow Jones industrial average and Standard & Poor's 500 index. The Home Depot’s rival is Lowes. The Home Depot has benefits well from â€Å"Hurricane Preparation. † Since June, the Home Depot has outperformed Lowes by nearly 10% and most of the broader market by 6%. The Home Depot has about 500 more stores than Lowes and its expected sales growth are supposed to increase by a 4. 6% over Lowes. The sales for the fiscal year 2000 were $45. 7 billion, compared to $38. 4 billion in fiscal 1999.As of January 2001, the company was operating 1,134 retail stores in forty-seven states, six Canadian provinces, Puerto Rico, Chile and Argentina. Revenue increased from $45. 7 billion in 2000 to $81. 5 billion in 2005, while profits rose from $2. 6 billion to $5. 8 bil lion. While this was a slower growth rate than Home Depot had experienced in the past, it was because past growth was due to the company's rapid expansion. The Home Depot Direct Stock Purchase Plan (DSPP) enables you to invest a minimum amount in Home Depot stock and build your stock ownership over time.In addition for the Home Depot to grow they will be increasing their quarterly dividend $0. 29. Also the Home Depot has been paying its’ shareholders a quarterly dividend for over a 100 consecutive quarters, currently yielding at 2. 05%. In the past couple of years the profit margin of the Home Depot has gone up. In 2009-3. 17%, 2010-3. 95%, 2011-4. 90%, 2012-5. 51%, last twelve months-5. 96%. The cash flow from the Home Depot is approximately $6. 6 billion. The key for the Home Depot will be revenue growth. The future looks very bright for the Home Depot to invest stock into as long as it can grow revenue for the next year. However, this year the company reported revenues tha t seem to be in a down-spiraling situation. This month the â€Å"orange giant† is being faced with a serious drop in its earnings per share and many analysts are contributing this drop to the possibility that Home Depot may of hit the wall. With analysts banking on a 25% growth rate, Home Depot barely managed to achieve half of that; reporting only 13% in its fiscal third quarter earnings. There are many reasons for this outcome and there are ways that Home Depot plans on overcoming these â€Å"threats† that are reducing their earnings. The Home Depot is a Home Depot The home depot has been around for many many years. It all started out a partnership and became a corportation that it currently is today. The Home Depot was founded in 1978 by two poor men. Their names were Bernie Marcus and Arthur Blank. They were accompanied by investment banker Ken Langone and merchandising guru Pat Farrah. They not only have stores throughout the United States but the Home Depot is a multinational corporation. They have broken into Canada, District of Columbia, Puerto Rico and Mexico. They are the United States’ largest retailer behind Wal-Mart.They are the largest home improvement retailer though. In 2000, the arrival of the new Chief Executive, Robert Nardelli, had changed the business strategy of the Home Depot to a more militaristic style. Under Nardelli's leadership, Home Depot is becoming more centralized and the good financial reports following this are signs that it a good strategy. Nardelli started making the company look and feel like an army. H e loved to hire soldiers, because they were already trained with the discipline that he felt necessary to run a successful business.The Home Depot's stock is traded on the New York Stock Exchange and is included in the Dow Jones industrial average and Standard & Poor's 500 index. The Home Depot’s rival is Lowes. The Home Depot has benefits well from â€Å"Hurricane Preparation. † Since June, the Home Depot has outperformed Lowes by nearly 10% and most of the broader market by 6%. The Home Depot has about 500 more stores than Lowes and its expected sales growth are supposed to increase by a 4. 6% over Lowes. The sales for the fiscal year 2000 were $45. 7 billion, compared to $38. 4 billion in fiscal 1999.As of January 2001, the company was operating 1,134 retail stores in forty-seven states, six Canadian provinces, Puerto Rico, Chile and Argentina. Revenue increased from $45. 7 billion in 2000 to $81. 5 billion in 2005, while profits rose from $2. 6 billion to $5. 8 bil lion. While this was a slower growth rate than Home Depot had experienced in the past, it was because past growth was due to the company's rapid expansion. The Home Depot Direct Stock Purchase Plan (DSPP) enables you to invest a minimum amount in Home Depot stock and build your stock ownership over time.In addition for the Home Depot to grow they will be increasing their quarterly dividend $0. 29. Also the Home Depot has been paying its’ shareholders a quarterly dividend for over a 100 consecutive quarters, currently yielding at 2. 05%. In the past couple of years the profit margin of the Home Depot has gone up. In 2009-3. 17%, 2010-3. 95%, 2011-4. 90%, 2012-5. 51%, last twelve months-5. 96%. The cash flow from the Home Depot is approximately $6. 6 billion. The key for the Home Depot will be revenue growth. The future looks very bright for the Home Depot to invest stock into as long as it can grow revenue for the next year. However, this year the company reported revenues tha t seem to be in a down-spiraling situation. This month the â€Å"orange giant† is being faced with a serious drop in its earnings per share and many analysts are contributing this drop to the possibility that Home Depot may of hit the wall. With analysts banking on a 25% growth rate, Home Depot barely managed to achieve half of that; reporting only 13% in its fiscal third quarter earnings. There are many reasons for this outcome and there are ways that Home Depot plans on overcoming these â€Å"threats† that are reducing their earnings. The Home Depot is a

Vietnam War A Cold War Era Conflict - 2301 Words

Vietnam Conflict The Vietnam War was a Cold War-era conflict that started in 1946 and ended in 1974, taking nearly 30 years to resolve. The war was fundamentally a conflict between North Vietnam and South Vietnam, where the North was communist and South was not. The United States, France, the United Kingdom and other non-communist allies supported the non-communist South Vietnam. China, Russia (USSR), Cuba, Cambodia and other Communist allies supported the regime in the north. North Vietnam saw the United States involvement in the North as foreign aggression, so they fought guerilla wars against the anti-communist forces in the region. Guerilla forces (the Viet Cong) and the regular North Vietnamese Army were responsible for fighting the anticommunist forces. The conflict mainly consisted of small battles until the onset of air attacks -- part of an overall strategy of massive bombing and search-and-destroy operations, which South Vietnam and the Americans hoped would win the war. During the 1950s, US advisors were sent to French Indochina or what is South Vietnam (Eckhardt, 1991:6). Because of many internal conflicts with the North trying to take over the South, U.S. increased their involvement in Vietnam in the 1960s, nearly quadrupling the number of American troops in South Vietnam during 1961 and in 1962 (Hayes, 2014). The US continued to deepen its involvement, so that by the end of 1964 the Gulf of Tonkin resolution gave the President the authority to assign massiveShow MoreRelatedThe Cause For The Vietnam War1442 Words   |  6 PagesAmong the causes for the Vietnam War are the Western fear of communism, the remnants of nineteenth-century colonialism, and tensions caused by World War Two and the Cold War, but these causes could easily have been circumvented and the Vietnam War prevented. As is often the case with wars, one of the most influential factors in the causation of the Vietnam War was fear, especially fear of communism and social upheaval. 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The Theory Of Mind, And Sensation Essay - 1191 Words

Aesthetics is the branch of philosophy that deals with the principles of beauty and artistic taste. In other words, both sides of things like the Beauty and the Ugly. Aesth means pleasure and pain while ethics means goodness and evil. This makes the basis Emotion. Aesthetics is broken up to a lot of things. In the following essay, we will be focusing and discussing the Theory of mind, and Sensation. The theory of mind starts with Descartes Dualism. Descartes was a man that â€Å"believed that the body and the soul are different kinds of things.† He called these substances. The body is a material substance, meaning it is not only physical, but it is also the matter in which something is made. On the other hand, the soul is an immaterial substance, meaning it is something spiritual. A person has the combination of both of these things which help create the Mind-Body Dualism. The Mind Body Dualism is a way to solve a problem between the two different kinds of facts: the physical facts of a person like there features such as parts of their body and mental facts such as what they believe in. The body has physical facts while the mind has mental facts. Descartes wanted to prove this by imagining the body without the mind, and the mind without the body. He said if the two things can survive without one or the other, then they are not the same. This concludes that the body and mind are two completely different things. This is called the Conceivability argument for dualism. This helpedShow MoreRelatedUsing Material From Smart And Armstrong1378 Words   |  6 PagesArmstrong. Third, I will go onto examining type-identity thesis merits (how it solves Descartes problem of mind and body and how it allows us to derive the casual role of mental phenomena) and drawbacks (violation of Leibniz s Law and Multiple Realizability Argument). 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