Banking Essays

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256 essay samples found

The Importance of Credit Risk

Credit risk implies a potential risk that the counterparty of a loan agreement is likely to fail to meet its obligations as per the original loan agreement, and may eventually default on the obligation. Credit risks can be classified into many forms such as options , equities , mutual funds , bonds , loans and […]

Pages: 7 Words: 2160 Topics: Bank, Banking, Economy, Money, Risk, Risk Management

Credit Risk Management in Banking

This chapter demonstrates the literature that is relevant to the research on Credit Risk Management in Banking. The author has enclosed literature on dynamics, models, model features, and Basel II regulatory process for credit risk. The author has also enveloped literature on credit risk management in banks. The author has also exhibited the literature on […]

Pages: 18 Words: 5533 Topics: Bank, Banking, Financial Markets, Interest, Money, Risk, Risk Management
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The Average Student

Do you want to spend 20 years of your life paying off your student loans? If you could have a chance to pay for college with cash, would you take it? If you save up the money throughout your life, you can be debt free and making profit after you graduate from college. It’s the […]

Pages: 2 Words: 583 Topics: Banking, Debt, Economy, Interest, Money, Personal Finance, Student Loan

How to Attract Millennials?

According to Visa, Millennials are the fastest growing and largest population segment in the United States with more than 75 million men and women. This statistic is relevant because millennials are our tomorrow, and it is vital to capture their business. Visa further goes on to say that the majority of checking accounts (69 percent) […]

Pages: 3 Words: 894 Topics: Bank, Banking, Credit Card, Debt, Millennials, Money, Student Loan

My Student Loans

Why I defaulted on My Student Loans written by Lee Siegel shares personal experiences when he was young of why he defaulted on student loans. Loan Default can be described as when a person fails to pay of their loan that was given to them on a specific date. Siegel recommends that college graduates should […]

Pages: 3 Words: 975 Topics: Bank, Banking, Debt, Economy, Interest, Money, Student Loan

Income Contingent Loans

Income Contingent Loans Can Solve the Student Loan Debt Crisis Students in the US are currently drowning in student loan debt. One recent study found that the majority of American borrowers, 56% of them struggle with paying their student loan payments in the first five years after college.(Paragraph 12) Finding a solution to the problem […]

Pages: 3 Words: 951 Topics: Banking, Debt, Economy, Macroeconomics, Money, Student Debt, Student Loan

Internship Report of an Islamic Bank

INTRODUCTION WHAT IS BANK? A bank is a financial institution, which deals with money and credit. It accepts deposits from individuals, firm and companies at a lower rate of interest and gives at a higher rate of interest to those who need them. The difference between the terms at which it borrows and those at […]

Pages: 20 Words: 5905 Topics: Bank, Banking, Debt, Economy, Investment, Islam, Money, Online Banking

Credit Cards – Good Idea?

The problem with the credit card industry isn’t just credit card companies it’s the people that use credit cards too. A lot of people apply for credit cards because they see the balance of money that they can receive. A credit card can be an asset to your lifestyle, but if the credit card is […]

Pages: 2 Words: 454 Topics: Banking, Credit Card, Debt, Economy, Interest, Money, Personal Finance

Inflation Affect on the Function of Money

Explain how inflation affects the functions of money. Inflation is the general increase in the price level over a period of time. Money is something that is generally acceptable in the exchange of goods and services. When inflation occurs, the value of money decreases as the same amount of money can’t buy the same amount […]

Pages: 2 Words: 554 Topics: Banking, Economy, Interest, Macroeconomics, Money

The Functions of the Deutsche Bundesbank

THE FUNCTIONS OF THE DEUTSCHE BUNDESBANK 1. The bank of issue Only the Bundesbank is entitled to issue banknotes denominated in Deutsche Mark (monopoly of the issue of banknotes). These banknotes are the only legal tender for any amount in Germany. Any person to whom money is owed must accept them in unlimited amounts in […]

Pages: 3 Words: 750 Topics: Bank, Banking, Currency, Economy, Financial Markets, Foreign Exchange Market, Money

Microfinance in Philippines

COUNTRY ANALYSIS UNIT FEDERAL RESERVE BANK OF SAN FRANCISCO JANUARY 2010 Microfinance in the Philippines uring the last few years, the volume of microfinance activity has grown considerably in the Philippines and an increasing number of financial institutions have engaged in retail microfinance operations. While this sector has been traditionally dominated by rural banks, non-governmental […]

Pages: 8 Words: 2509 Topics: Bank, Banking, Development, Economy, Interest, Money

Hypothecation

Hypothecation: Under this mode of security, loans are provided against the security of movable property, usually inventory of goods. The goods hypothecated, however, continue to be in the possession of the owner of these goods (i. e. , the borrower). The rights of the lending institution (hypothecatee) depend upon the terms of contract between the […]

Pages: 2 Words: 694 Topics: Banking, Business Law, Civil Law, Debt, Money, Property Law

Introduction of Banking Sector

GENERAL INTRODUCTION ABOUT THE SECTOR The Indian economy is emerging as one of the strongest economy of the world with the GDP growth of more than 8% every year. This has given a great support for the development of banking industry in the country. Due to globalization, competition among the banks has drastically been increased. […]

Pages: 14 Words: 4322 Topics: Bank, Banking, Economy, Globalization, Investment, Money, Reserve Bank Of India

Performance of Pakistan Banking Sector

Banking industry begins to show signs of slowdown After witnessing a strong growth during last few years, the banking industry has now started showing signs of slowdown, as deposits, assets, investment and profitability of banking sector is on decline while credit risk, market risk, interest risk, NPLs and advances are widening. According to the assessment […]

Pages: 3 Words: 792 Topics: Bank, Banking, Economy, Interest, Macroeconomics, Money

Nationalisation

]Nationalisation The RBI was nationalized on January 1, 1949 in terms of the Reserve Bank of India (Transfer to Public Ownership) Act, 1948 (RBI, 2005b). [Reference www. rbi. org. in] By the 1960s, the Indian banking industry had become an important tool to facilitate the development of the Indian economy. At the same time, it […]

Pages: 1 Words: 284 Topics: Banking, Economy, Economy Of India, Government, India, Reserve Bank Of India

Walt Disney Yen Financing

1. Should Disney hedge its yen royalty cash flow? Why or why not? If so, how much should be hedged and over what time period? Yes, Walt Disney Company should hedge its royalty cash flow to protect against currency fluctuations. The company has revenues in Yen and does not have expenses in Yen. Thus it […]

Pages: 5 Words: 1395 Topics: Banking, Business Law, Debt, Financial Markets, Investment, Market, Money

Bank of England Monetary Policy Affecting Inflation Rates

Introduction The intention of this essay is to explain how Bank of England monetary policy has affected inflation rates within Great Britain, we will take data for the time period 2009-the present, the reasoning for this is this was the time-period that ‘Quantitative Easing’ was introduced. It will state recent developments in regard to interest […]

Pages: 9 Words: 2598 Topics: Bank, Banking, Economy, Interest, Macroeconomics, Monetary Policy, Money

Investment Banking Example for Free

Investment banking represents one of the most challenging career choices in the current marketplace. The level of remuneration is typically very high, but the expectations of banks with regards to their employees are equally high. In short, only exceptional candidates will even be considered for any given post. As Wise points out, “investment banking is […]

Pages: 2 Words: 685 Topics: Bank, Banking, Economy, Leadership

Banking Industry Example for Free

Introduction Coverage of merger and takeover activity fills a large proportion of business reporting in today’s media. Mergers occur more frequently in certain industries compared with others. Mulherin & Boone (2000) outlined the variation of merger activity by industry in the 1990’s; approximately half the businesses in industries such as oil and gas, banking and […]

Pages: 8 Words: 2306 Topics: Bank, Banking, Economies Of Scale, Economy, Money

The Payment System of India and the Relevant Legislation

Introduction The development of a country depends upon the financial stability of that country. The government or central authority of country formulates the schemes which can work efficiently and adequately for the proper functioning of the financial sector of a country. The financial sector of India has undergone drastic change in the last two decades. […]

Pages: 7 Words: 2007 Topics: Bank, Banking, Economy, Government, India, Market, Money, Reserve Bank Of India

Factors Governing Cash Reserves

BANKING LAW & N.I. ACT PROJECT ON FACTORS GOVERNING CASH RESERVES FACTORS GOVERNING CASH RESERVES Each day we are involved in a number of transactions that involve trading, exchanging, buying, selling, receiving and spending, that are centred around money or other forms of currency . Finance is the spine of the present day economy, and […]

Pages: 10 Words: 3020 Topics: Bank, Banking, Economy, Interest, Macroeconomics, Money, Reserve Bank Of India

An Examination of the Laws Guiding Aircraft Financing and Leasing

CHAPTER 1 Introduction The airline industry became known in the 1920s but its full development started after the Second World War 11. During the 1950s, aircrafts began to be used for leisure trips as well as for business trips. Due to this expansion of global and domestic air transport system, the aviation industry has made […]

Pages: 9 Words: 2824 Topics: Banking, Debt, Economy, Money

World Reserve Currency Moving with Globalization Finance Essay

Over the past several decades, the U.S. dollar has enjoyed its status as the world’s most important and dominant reserve currency. Every major government and financial institution in the world now holds significant quantities of U.S. dollars as part of their foreign exchange reserves. However, are we seeing that the dollar’s role as the world’s […]

Pages: 12 Words: 3741 Topics: Banking, Currency, Foreign Exchange Market, Gold, International Business, Investment, Money

What the Glass Steagall Act was Finance Essay

The Roaring Twenties was a decade of prosperity and financial boom. The Wall Street Crash of 1929 brought an end to this era and marked the beginning of the Great Depression. Prior to the Crash, a speculative bubble in the stock market kept increasing the price of stocks. Several Americans thought that investing in stock […]

Pages: 5 Words: 1548 Topics: Bank, Banking, Economy, Great Depression, Investment, Macroeconomics, Money

Who Caused Financial Crisis Investment Bankers or Government Finance Essay

The aim of this essay is to try to examine who was responsible for the financial crisis of the recent years, which hit the whole world’s economy. It is reasonable to blame both the government and the banks, which together contributed to create a speculative financial system, but also the mortgage holders, who asked for […]

Pages: 6 Words: 1831 Topics: Bank, Banking, Debt, Interest, Macroeconomics, Stock Market, Subprime Mortgage Crisis

Why is there a Need for New Banks Finance Essay

It is generally accepted that greater financial system depth, stability and soundness contribute to economic growth. But beyond that, for growth to be truly inclusive requires broadening and deepening the reach of banking that helps both consumers and producers raise their welfare and productivity and build savings, make investments, avail credit, and more important, insure […]

Pages: 6 Words: 1905 Topics: Bank, Banking, Economy, Money, Reserve Bank Of India

What are the Challenges Posed to Financial Stability Finance Essay

Critically discuss the issues at stake with reference to actual case studies stressing their similarities and differences in the recent Bear and Sterns and Lehman case, the law and any policy guidelines available Introduction Over the past decade international financial conglomerates have become an increasingly important feature of the financial landscape. Universal banking countries have […]

Pages: 14 Words: 4088 Topics: Bank, Banking, Federal Reserve, Financial Markets, Interest, Market, Too Big To Fail

Using Estimation Banking in Trade Finance Portfolio under Basel III

In responding to the latest credit crisis, Basel committee has proposed a new capital standard, Basel III. The new standard is expected to fundamentally strengthen international banks’ capital position. In various research papers shaping the new standards, Basel committee identifies that off-balance sheet items are sources of “potentially significant leverage”. Thus, it is expected that […]

Pages: 4 Words: 1091 Topics: Bank, Banking, Economy, Money, Risk Management

Volatile Liquidity Dependence Ratio Finance Essay

Banks being very significant financial institutions, operating within the economy and controlling it, have increasingly played a significant role in conditioning the economic factors such as assets and liabilities, which are strategically managed and manipulated for profit and social welfare. Financial sector reforms, which have brought rapid changes in the structure of financial market exposed […]

Pages: 15 Words: 4420 Topics: Balance Sheet, Bank, Banking, Interest, Money, Risk, Risk Management

This Final Research Project Finance Essay

This Final Research Project is basically focused on the rising Non-Performing Loans Habib Metropolitan Bank’s Asset Portfolio. The purpose of research was to study the main key factors that are responsible for this rising trend of NPLs. And to find out a solution to this problem that Habib Metropolitan Bank is facing. The results show […]

Pages: 30 Words: 8941 Topics: Bank, Banking, Debt, Economic Growth, Interest, Investment, Stock Market
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