Banking Essay Examples - Free Research Paper Topics on StudyDriver.com

Study of Internet Banking in Malaysia

Introduction. Background of study: Many scholars claim that electronic banking started in the 1970’s. However, evidence showed that the first visible ATM machine was introduced in the year 1981. The ATM- Automated Teller Machines- are a great component of internet banking. They serve as a great alternative to the brick and mortal branches. Afterwards, tele-banking followed suit it yet another delivery channel for branch financial services via telecommunications devices connected to an automated system of the bank by utilizing Automated […]

Background on Islamic Banking Example for Free

Since the 1970s, Islamic banking has emerged as a new reality in the international financial scene. Its philosophies and principles are however, not new, having been outlined in the Holy Qur’an and the Sunnah of Prophet Muhammad (p.b.u.h) more than 1,400 years ago. The emergence of Islamic banking is often related to the revival of Islam and the desire of Muslim to live all aspects of their live in accordance with the teachings of Islam. The Islamic Banking System (IBS) […]

Requirements for Managing Banking Risks Example for Free

Risks are inherent in banking business and they cannot be avoided. To absorb losses associated with these risks, the minimum amount of capital required to be kept by the bank should be assessed. Banking risks like credit risk, market risk and operational risk are taken into account while determining minimum capital requirement. Capital reduces the risk of failure by providing protection against unexpected losses. Capital requirement plays an important role in the supervision and regulation of banks. The Basel Committee […]

Development of India’s Banking System

Introduction With a population of over 1 billion, India is one of the most important countries with accelerating economic growth. According to the World Bank (2009), the annual GDP growth of India has been more than 7% over the past ten years. The financial crises in 1997 and 2008 have revealed the importance of robust banking system towards economic development. Indian Government liberalized the banking system through Indian Banking Sector Reform in 1991. From the first bank in India in […]

Examining the Major Banking Organizations of Sweden

Banks are of central importance for economic growth, credit allocation, financial stability, and the competitiveness and development manufacturing and service firms. The structural features of Sweden banking systems have changed significantly over the past 20 years. The increased availability of credit has been the corollary of the dismantling of barriers of trade in Sweden financial services. Sweden banking and finance sector has undergone considerable change in recent years. This has created greater competition, not only among older banks but by […]

Need for Islamic Banking

Recent study published in United States stated that the growth rate of world Muslim population is higher than the world non Muslim population and it is believed and projected that it will be the quarter of the world population near 2030. Pakistan, which has seen a rise in radical Islam in current months, will chase Indonesia as the world’s most populous Muslim nation. Majority of the people seeking to invest into the Hala mode of financing and people fad up […]

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 of the State Bank of Pakistan’s Quarterly Performance Review of the Banking System (July-September 2008), released on Thursday, due to deteriorating macroeconomic factors the performance […]

Asset and Liability Management Essay Online for Free

ASSET AND LIABILITY MANAGEMENT In banking, asset and liability management (ALM) is used to manage the risks that arise due to mismatches between the assets and liabilities (debts and assets) of the bank. Banks face several risks like the liquidity risk, market risk, interest rate risk, credit risk and operational risk. Asset Liability management (ALM) is a strategic management tool to manage interest rate risk and liquidity risk faced by banks, other financial services companies and corporations. Banks manage the […]

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 currently available approaches in calculating and managing the credit risk and it’s fit of with current banks in India. This chapter mainly focuses on the […]

Fraud Fear in Internet Banking and Reducing Fears

Critical investigate the risk assessment and fraud prevention for banks, payment and processing service providers using internet banking. Evaluate and analyze that why are dwindling customers’ confidence on internet banking and huge loss of reputation, find out reasons, methods of securing the internet banking. A relatively analysis on Banks about the world trepidation an enormous loss of reputation and diminishing clients trust in their Internet daises through very intellectual and increasingly triumphant Internet banking attacks. Introduction Halifax plc is banking […]

THE CRITICAL FAILINGS in BANKING REGULATION

Throughout the history of financial crises, prudential regulators and central banks have been considerably involved in developing a wide spectrum of regulatory tools to ensure the smooth functioning of the banking sector and maintain financial stability. Deposit insurance, Lender of Last Resort (LLR), prudential regulation and supervision have been extensively discussed in academic and literature as the three major components of government financial safety net. In the midst of these regulatory tools, the regulation of bank capital stands out as […]

Emerging Trend of Green Banking and Environment Sustainability through Public Sector Banks in India

There is no all around acknowledged meaning of green banking (Alexander 2016) and it differs generally between nations. Notwithstanding, a few scientists and associations attempted to think of their own definition. The Indian Institute for Development and Research in Banking Technology (IDRBT), which is set up by the Reserve Bank of India, characterized green banking as an umbrella term alluding to practices and rules that make banks reasonable in monetary, natural and social measurements (IDRBT, 2013). Green banking is like […]

Mundra Port Special Economic Zone Essay Example Pdf

The Government of India has taken a number of measures to encourage foreign investment into India, generally, with a particular focus on the export of goods and services out of India. These measures include the introduction in 2005 of a SEZ regime under which specified land is deemed to be “foreign territory” for the purposes of Indian customs controls, duties and tariffs. SEZs provide an internationally competitive and relatively unregulated environment for export-oriented activities. The SEZ scheme has been designed […]

Federal Reserve Bank of Chicago Essay Example Pdf

The Chicago Federal Reserve Bank is established as a Reserves Banks out of 12 Federal Reserve Banks in United State. Chicago Fed is established to serve a specific region of United State, to build up a sound banking system and a health economy of the country. It is being established to serve the Seventh Federal Reserve District which includes Iowa, Illinois, Indiana, Michigan and Wisconsin. The head office of the Chicago Fed is located at Chicago, Illinois while the branch […]

Characteristics of the Debt Finance Essay Example

Debt financing is financing a company by selling the bonds, notes or mortgages held by the business. Basically it is borrowing money to keep your business running. Long term debt financing is typically associated with larger assets such as buildings, equipment, land, and large machinery. The schedule for repayment for long term debt financing expands for more than a year. Short term debt financing is mostly associated with operations of the business such as inventory purchasing, payroll, and supplies. The […]

Risk is Present Everywhere Finance Essay

Risk is present everywhere. It is an important player in any financial system. As such, the banking institution should manage their risk efficiently in order to survive in this highly uncertain world. . It can be said that “Banks are in the business of managing risk, not avoiding risks” or “a bank’s success lies in its ability to assume and aggregate risk within tolerable and manageable limits.” First author Prof RekhaArunkumar and second Author Dr. G. Kotreshwar. Only those banks […]

Risk Management Case Studys Finance Essay

The financial statements are prepared under the historical cost convention, ongoing concern basis and in terms of the Accounting Standards. The Company follows the mercantile system of accounting and recognizes income and expenditure on accrual basis to the extent measurable and where there is certainty of ultimate realization in respect of incomes. In case of foreign subsidiaries, being non-integral operations, revenue items are consolidated at the average exchange rate prevailing during the year. All assets and liabilities are converted at […]

The Dubai Islamic Bank Finance Essay

Dubai Islamic Bank was established in 1975 and in the date of today it is one of the larger banks of Dubai and the country UAE. At the start of 2008, the bank, i.e. Dubai Islamic Bank had 48 branches in the country, and about 100 ATMs. At the end of 2008, DIB had 54 branches, and it is expected that it will open 10 another branches more to have a total of 64 branches by the end of the […]

The Ring Fencing Proposal Finance Essay

Since the financial crisis in 2008, the economy around the world has been growing slowly, especially in developed countries. And stock markets in many counties experienced downturns. Fox example, the peak point is around 14,000 points for Dow Jones Industrial Average index in 2007, while it declined to 6,600 in 2009. Also the unemployment rate suffered badly, a larger number of youngsters cannot get a job and even some employee has to work less to share workload with other employee. […]

Use of Basel III in Banking Laws and Regulations

Basel Accords which are recommendations on banking laws and regulations issued by the Basel Committee on Banking Supervision consists of Basel I, Basel II and Basel III. Basel I was adopted in 1988 and was enforced internationally in 1992. While Basel I is now outdated, Basel II was formed and implemented by a lot of countries. Soon after that Basel III came into place when the world was faced with Global Financial Crisis. Basel I primarily focused on credit risk. […]

The Impact of Fixed Income Securities Essay Example Pdf

Collateralized Borrowing and Lending Obligation is a fully collateralized and secured instrument for borrowing and lending money. It is a money market instrument approved by the RBI and is backed by government securities as collaterals. CBLO creates an obligation on the part of the borrower to repay the money borrowed along with interest on a predetermined future date and provides a right to the lender to receive the money lent along with the interest on a predetermined future date. CBLO […]

Bank of Queensland Operations in Australia Essay Example Pdf

The objective of this paper is to try and understand the Bank of Queensland (BOQ) operations in Australia and its successes or failures in the last 5 years as it devises various strategies to take an even bigger slice in the banking industry in Australia. We shall critically analyze each strategy and understand how it has helped or hampered the banks operations. We shall also try and understand strategies followed by other banks and accordingly try and devise future strategies […]

Causes Background of the Current Economic Essay Example Pdf

Background United States is currently going through the rampant financial crisis and economic depression, manifested by failures in financial institutions substantially and the collapse of stock market increasing the intense market instability. With the increase in the real estate and property bubble and the flexible rate mortgages (FRM), the housing prices rose gradually. The banks began to increasingly lend out more loans to potential home owners encouraging the home owners to take on significantly high loans paying back with the […]

Evaluating the Current State of Indian Banking

The commercial banking structure in India consists of the following entities: Scheduled Commercial Banks and Unscheduled Banks Scheduled commercial Banks constitute those banks, which have been included in the Second Schedule of Reserve Bank of India (RBI) Act, 1934. RBI includes only those banks in this schedule, which satisfy the criteria laid down vide section 42 (6) (a) of the Act. Further, Indian banks can be broadly classified into public sector banks, private banks and foreign banks. Public sector banks […]

Should the Uk Government Listen Finance Essay

First, universal banking are type of banking system that includes commercial, investment, and other whole range of banking activities, such as insurance, all under one roof. These kinds of concentration results in a high size and power institutions, those only big banks can create. Generally, they are accounted to perform certain principles of corporate governance of the public interest, but sadly they display unimpressive record and unproven promises. These institutions receive special treatment from the governments because they form a […]

The Risk of Hedging in the Banking World

Hedging is a risk management tool to offsetting the risk inherent of price in any cash market position by taking an equal but opposite position in the futures market. Hedging activities protect futures contract holder from fluctuations in the underlying asset’s price. Investors are benefit if the price of underlying asset moves in the same direction as what investors’ expected (“Hedge Fund”, 2009). Short hedge is a short selling by borrowing underlying asset such as commodity, security or financial instruments […]

Evaluation and Study of Individual Differences in Banking Sector

Individual differences is a cornerstone subject area in modern psychology.A In many ways, it is the “classic” psychology that the general public refers to – it refers the psychology of the person – the psychological differences between people and their similarities. PlatoA stated more than 2000 years ago: No two persons are born exactly alike; but each differs from the other in natural endowments, one being suited for one occupation and the other for another. Individual difference psychology examines how […]

A Critical Review of Islamic Banks Finance Essay

Islamic banking is now one of the world’s fastest-growing economic sectors, comprising over 300 institutions in over 75 countries. They are concentrated in the Middle East and Southeast Asia (with Bahrain and Malaysia being the largest hubs), but are also appearing in Europe and the United States. Total assets worldwide are estimated to exceed $250 billion, and are growing at an estimated 15 percent a year. The reasons behind the recent growth in Islamic finance are: The strong demand from […]

Financial Crisis to a Global One Finance Essay

Factors that led the US Economy to the Financial Crisis of 2007 and the Mechanisms of Transmission to a Worldwide Crisis During these last few years the most important economic event has affected the worldwide economy has been the financial crisis. There is no precise definition of financial crisis, but a common view is that disruptions in financial markets rise to the level of a crisis when the flow of credit to households and businesses is constrained and the real […]

Foreign Exchange Risk and International Business Finance Essay

The first things come to the mind when we read the word foreign exchange is, it must be related to international business. And in a way it is true. When companies or individuals get themselves into such activity that involves cash flow in different currencies, the value relationship between those currencies becomes important. This relation is known as foreign exchange rate. The purchase and financing of assets m another currency A classic example (mentioned m both Smithson (1998) and Campbell […]

Banking Essays