· Profile of the major bank. Identify the name and home-country of the bank of choice and describe such aspects as structure and scope of operations, type of products, financial performance, and management objectives, philosophy/style. · Foreign market for potential expansion, mode of entry and scope of operations. Whether a greenfield investment or a merger/acquisition, identify the target market and justify the reason for your recommendation by addressing key considerations. In the case of a merger/acquisition, name the target institution and elaborate on its profile by addressing the same aspects as for the acquiring institution. · Strengths and weaknesses of the proposed expansion. Whether the proposed expansion takes the form of a greenfield investment or a merger/acquisition, elaborate on the associated benefits and drawbacks and potential prospects (e.g., rapid growth in size or market share, geographic and/or product-line diversification, synergies, tax considerations, and other). · Financing the proposed expansion. Estimate the likely cost of the investment--or price of buyout offer--and identify the source of financing. Further describe the recommended strategy to ensure the profitability of this undertaking. · Final section. This must include a pithy summary of any major insights gained and lessons learned from the specific study. · Profile of the major bank. Identify the name and home-country of the bank of choice and describe such aspects as structure and scope of operations, type of products, financial performance, and management objectives, philosophy/style. · Foreign market for potential expansion, mode of entry and scope of operations. Whether a greenfield investment or a merger/acquisition, identify the target market and justify the reason for your recommendation by addressing key considerations. In the case of a merger/acquisition, name the target institution and elaborate on its profile by addressing the same aspects as for the acquiring institution. · Strengths and weaknesses of the proposed expansion. Whether the proposed expansion takes the form of a greenfield investment or a merger/acquisition, elaborate on the associated benefits and drawbacks and potential prospects (e.g., rapid growth in size or market share, geographic and/or product-line diversification, synergies, tax considerations, and other). · Financing the proposed expansion. Estimate the likely cost of the investment--or price of buyout offer--and identify the source of financing. Further describe the recommended strategy to ensure the profitability of this undertaking. · Final section. This must include a pithy summary of any major insights gained and lessons learned from the specific study. Discussion 3 "Politics, Laws, and Research" Please respond to the following: · Watch the video titled, “Costs and revenue opportunities associated with risk in the technology industry”, (2 min 38 s) located below. You may also view the video at http://youtu.be/6la2B ...

1. · Profile of the major bank. Identify the name and home-country
of the bank of choice and describe such aspects as structure and
scope of operations, type of products, financial performance,
and management objectives, philosophy/style.
· Foreign market for potential expansion, mode of entry and
scope of operations. Whether a greenfield investment or a
merger/acquisition, identify the target market and justify the
reason for your recommendation by addressing key
considerations. In the case of a merger/acquisition, name the
target institution and elaborate on its profile by addressing the
same aspects as for the acquiring institution.
· Strengths and weaknesses of the proposed expansion. Whether
the proposed expansion takes the form of a greenfield
investment or a merger/acquisition, elaborate on the associated
benefits and drawbacks and potential prospects (e.g., rapid
growth in size or market share, geographic and/or product-line
diversification, synergies, tax considerations, and other).
· Financing the proposed expansion. Estimate the likely cost of
the investment--or price of buyout offer--and identify the source
of financing. Further describe the recommended strategy to
ensure the profitability of this undertaking.
· Final section. This must include a pithy summary of any major
insights gained and lessons learned from the specific study.
· Profile of the major bank. Identify the name and home-country
of the bank of choice and describe such aspects as structure and
scope of operations, type of products, financial performance,
and management objectives, philosophy/style.
· Foreign market for potential expansion, mode of entry and
scope of operations. Whether a greenfield investment or a
merger/acquisition, identify the target market and justify the
reason for your recommendation by addressing key
considerations. In the case of a merger/acquisition, name the
target institution and elaborate on its profile by addressing the
same aspects as for the acquiring institution.

2. · Strengths and weaknesses of the proposed expansion. Whether
the proposed expansion takes the form of a greenfield
investment or a merger/acquisition, elaborate on the associated
benefits and drawbacks and potential prospects (e.g., rapid
growth in size or market share, geographic and/or product-line
diversification, synergies, tax considerations, and other).
· Financing the proposed expansion. Estimate the likely cost of
the investment--or price of buyout offer--and identify the source
of financing. Further describe the recommended strategy to
ensure the profitability of this undertaking.
· Final section. This must include a pithy summary of any major
insights gained and lessons learned from the specific study.
Discussion 3
"Politics, Laws, and Research" Please respond to the following:
· Watch the video titled, “Costs and revenue opportunities
associated with risk in the technology industry”, (2 min 38 s)
located below. You may also view the video
at http://youtu.be/6la2BKzvppQ. Your textbook also discusses
the threat of economic risk, financial risk, or political risk for
organizations engaged in global trade. Select one (1) of these
risks and discuss the scope of the threat. Next, formulate a
solution that companies can utilize to neutralize the threat.
Provide support for your response.
· Suggest which research data (primary or secondary) you would
select to support the solution you proposed previously. Next,
compare and contrast the advantages and disadvantages related
to your data selection (primary or secondary). Using the
research data you selected, provide support for whether you
believe your solution would still work to help neutralize the
threat.
https://youtu.be/6la2BKzvppQ
Response 1 (David) :
Thanks for sharing the video. The information that Kevin and
David provided was very informative. They spoke at the speed

3. at which technology is progressing and the threats that come
along with these changes. This increase creates a deeper need
for privacy and security. This new risk present new challenges,
but also present new opportunities for companies moving
forward. Companies need to know who they’re doing business
with the countries the companies are located in potential threats
that may be presented.
The book mentions three types of risk when dealing with global
trade. The risk that I choose is Economic risk. The country I’ve
used for this example is Mexico. They currently have all three
types of risk going on, but I’ll narrow it to one.
The book mentions the current climate in Mexico. The rampant
violence, drug-related crimes, and comprimised government
have contributed to the slow down in Mexico’s GDP.
In this case I would use both types of data. I would first start
by using secondary data. I would look to countries like the
Philippines and Brazil to see what methods they used to change
the violent stigma of the country and regain control over its
government. I would then conduct primary research from an
outside non-affiliated company to determine how we can use
both sets of information to neutralize future threats.
https://www.investopedia.com/articles/investing/011416/4-
economic-challenges-mexico-faces-2016.asp
Response 2 (Ardecia) :
· Watch the video titled, “Costs and revenue opportunities
associated with risk in the technology industry”, (2 min 38 s)
located below. You may also view the video
at http://youtu.be/6la2BKzvppQ. Your textbook also discusses
the threat of economic risk, financial risk, or political risk for
organizations engaged in global trade. Select one (1) of these
risks and discuss the scope of the threat. Next, formulate a
solution that companies can utilize to neutralize the threat.

4. Provide support for your response.
Political risks are risks that affect an investment’s returns
because of the political changes or the instability in a country.
These changes can stem from the government, foreign
policymakers, legislative bodies or military control. Although,
there are limited case studies when discussing an individual
nation the political risks are hard to measure. Political risks
may be insured against other government bodies of international
agencies. Political risks outcome can bring down the investment
returns or remove the ability to withdraw capital from an
investment. Some type of political risks that can affect an
individual business, industries and the economy would include
spending, taxes, currency valuation, regulation labor laws
(minimum wage, and environmental regulations) and trade
tariffs. On the other hand, regulations can be set at all levels of
government, including state and local, federal, and other
countries. It is imperative for marketing manager understands
the political factors of a country to make informed decisions.
Political risks insurance (provides financial protection to
investors) can be purchased by companies that operate
internationally to remove certain political risks. In doing this it
will allow investors and management to focus on the business
fundamentals while knowing losses from political risks or
limited or avoided (which would include the act to convert
currency, acts of terrorism and war).
· Suggest which research data (primary or secondary) you would
select to support the solution you proposed previously. Next,
compare and contrast the advantages and disadvantages related
to your data selection (primary or secondary). Using the
research data you selected, provide support for whether you
believe your solution would still work to help neutralize the
threat.
The advantage of developing markets can present a good
opportunity for business growth. However; the disadvantage is
that the developing markets can present greater risks than

5. developed markets. Having assets to decline because of political
turbulence can cause assets to be destroyed, decline in value, or
lose value permanently. For example, if a new government came
into power and decided to change regulations that would
prohibit any form of Artificial Intelligence (AI) from entering
the country having the political risk insurance would cover the
AI company’s loss.
Businesses would be reluctant to operate in developing
countries because of political instability that threatens their
assets. Companies that would purchase political risk insurance
would be exporter, banks, multinational corporations, and
infrastructure developers. Political risk insurance can cover one
or multiple countries while having lengthy terms and having a
multimillion-dollar coverage amount. The primary goal would
be to purchase insurance that will allow the business to lock in
the insurance policy for 10 years or more with one major issuer.
Business opportunities require years to carry out, so protecting
your asset due to political conditions are necessary, since there
is a chance of political risk happening at any given time
Important Considerations & Key Steps
When Buying a Bank in a Foreign Market
BUYER: Qatar National Bank
Established on June 6, 1964 as the country’s first domestically
owned commercial bank
Headquartered in Doha, State of Qatar

6. QNB and its subsidiaries operate in 31 countries spanning
across 3 continents (Asia, Europe, Africa) employing more than
29,000 people
Largest Bank in Qatar and #1 Financial Institution in the Middle
East and Africa
Management’s objective: To become a globally known bank by
the year 2030.
Qatar National Bank was established on June 6, 1964 as the
country’s first domestically owned commercial bank. It had 35
employees in its first year and was headquartered in Qatar’s
capital city, Doha. Today, QNB and its subsidiaries operate in
31 countries spanning across 3 continents with over 29,000
employees. It remains the largest bank in Qatar and the #1
financial institution in the Middle East and Africa. Their overall
strategy in the long term is to become a globally known bank by
the year 2030.
BUYER: QNB Products & Services
Wholesale, Commercial and SME Banking
Global trade services
Corporate advisory services
Retail Banking
Focused on first-class customer experience
Innovative and user-friendly internet and mobile banking
services
Asset and Wealth Management
Specialized in institutional and high-net worth individuals
International Business
37% of bank’s net profits derived internationally
Adaptable to compliance and regulations in many countries

7. QNB offers several products and services through its
subsidiaries throughout the world. Wholesale, Commercial, and
SME banking are important aspects of their operations. QNB
has positioned itself in the market to provide access to emerging
markets and top-rated institutions.
-Their retail banking sector is focused on providing a high level
of customer service. To further enhance the customer
experience, they have invested a lot of time and money into
creating innovative and user-friendly internet and mobile
banking services.
-Their asset and wealth management services specializes
institutional and high-net worth individuals
-A major growth area for QNB is their international business
sector which consists of 37% of the bank’s net profits. Since
they operate in several highly regulated economies, they have
become easily adaptable to various compliance and regulation
standards.
BUYER: QNB Financial Performance
The financial indicators you see here demonstrate the strength
of QNB. In 2018, total assets grew over 6% from the previous
year. Loans and deposits grew by 5% and 5% consecutively.
The growth in deposits was supported by a continued focus on
diversifying their funding base over geographical regions.
Profitability has continued to grow at 5.5% year over year since
2016. A key focus of QNB is to expand internationally and

8. maintain sustainable growth and profitability.
KEY CONSIDERATIONS: Market
United States
Accelerate International Presence
Exposing the bank to the United States, Canada, and Central &
South American markets
Exponential Growth Potential
Entering the US market would give tremendous growth potential
opportunity to QNB
Service existing customers
The United States has at least $10 million people of Middle
Eastern descent
Diversification of Risk
QNB is primarily located in the Middle East and Africa where
there is a lot of exposure to country risk
Diversifying into the US would help to mitigate this exposure
There are a few key considerations in our decision to expand
internationally into the United States market. The long-term
goal for QNB is to become a globally recognized bank by the
year 2030. Expansion into the U.S. would accelerate their
international presence giving access to not only the United
States, but Canada, and the Central and South American markets
as well.
-Growing QNB’s international presence into the US would bring
tremendous growth potential opportunity.
-Another consideration for QNB when looking to expand
internationally is to further its reach to its existing customer
base. The United States would be a natural market for this as
there is a large population of Middle Eastern ancestry.

9. -With most of QNB presence locating in the Middle East and
Africa, their is a lot of exposure to country risk. Diversifying
their bank into the US market would help to mitigate the
exposure to this.
Emigrant Bank
KEY CONSIDERATIONS: Target Bank
Emigrant Bank: Profile - Timeline
Founded in 1950 by 18 members of the Irish Emigrant Society
with the goal of serving the needs of the immigrant community
in New York.
Soon after became the 7th largest in the country with 1.3M in
assets.
Major construction loan provider for main city landmarks, St.
Patrick Cathedral, Central Park.
In 1986 the Milstein family saved the bank during a financial
crises.
Today the bank is privately owned by the Milstein family.
Howard Milstein is Chairman, President & Chief Executive
Officer of Emigrant Bank.
In July 2012 the banks sold 30 branches to Apple Bank for
Savings was announced, two branches were retained in
Manhattan and Westchester, New York.

10. KEY CONSIDERATIONS: Target Bank
Emigrant Bank: Profile - Timeline
As of 2019, the bank has two locations, Westchester (upstate
NY) and Manhattan.
Other Business Lines:
Emigrant Mortgage Company: Specializes in creative financing
solutions for residential properties.
Emigrant Funding Corp.: Specializing in first mortgage
financing for most types of owner-occupied and investor-owned
commercial real estate.
Emigrant Business Credit Corp. (EBCC): Provides innovative
senior debt solutions to companies.
Emigrant Financial Services (EFS): A service of Essex National
Securities and Emigrant Agency, Inc. offers investment
products and life insurance from top-rated mutual fund and
insurance companies.
Emigrant Capital: A $150 million private investment firm that
makes direct investments in private companies.
Emigrant Bank Fine Art Finance: It’s sole business is to provide
art financing.
KEY CONSIDERATIONS: Target Bank

11. Emigrant Bank: Financials
KEY CONSIDERATIONS: Target Bank
Expanded online presence in 2005 with Emigrant Direct &
BancoFortuna.com
KEY CONSIDERATIONS: Entry Mode
Not a Major Buyout, but an Strategic Alliance that will provide
a significant capital injection and possibilities for expansion.
Recommend Acquisition
KEY CONSIDERATIONS: Financials
Purchase of Ownership and Capital Injection

12. Proposal:
1X Book Value for 60% stake ownership.
Management Agreement:
Milstein keeps significant autonomy, but QNB will plan new
strategies along with Chairman to assure the future vision of the
bank is aligned
Weakness & Strengths
Strengths
Expansion of international presence
Rapid growth due to location
Potential synergy allows Emigrant Bank to grow into a large
bank by increasing its assets
QNB has successfully acquired several banks and financial
institutions
Weaknesses
Target institution has been established for many years
Corporate tax rate is 10% in Qatar and 21% in US
Kristie Mercado
References
https://www.fdic.gov/bank/individual/failed/banklist.html
https://www5.fdic.gov/idasp/advSearchLanding.asp
https://www.qnb.com/cs/Satellite/QNBQatar/en_QA/InvestorRel

13. ations/enAnnualReports