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Study of Risk Management Systems at Banks Finance Essay

This chapter highlights the results and findings related with the research paper. It concentrates on the analysis of the data collected by the author from the questionnaire filled in by the banks officials. The main aim is to understand the key risks associated with Indian banks and to prioritize the same and to discover solutions and alternatives to minimizing these risks. The gathered data will highlight the key risks, threats to the banks, benefits and solution towards risk management. Thus […]

Study on Financial Strategy and Financial Objectives Finance Essay

This chapter consists of four sections, excluding this Preamble. The first section is concerned with corporate strategy and financial strategy. The second section considers objectives of organisations generally, whilst sections three and four are concerned with financial objectives and non-financial objectives, respectively. Learning Outcomes On successful completion of this Chapter, students should normally be able to: discuss financial strategy and its relationship with overall corporate strategy, discuss the influence of the goals of different interest groups on corporate strategy, explain […]

Study on how to Invest during Recession Finance Essay

In economics, a recession is a business cycle contraction, a general slowdown in economic activity over a period of time. During recessions, many macroeconomic indicators vary in a similar way. Production as measured by Gross Domestic Product (GDP), employment, investment spending, capacity utilization, household incomes, business profits and inflation all fall during recessions; while bankruptcies and the unemployment rate rise. The key to investing during a recession is therefore to start off with the right mentality and do not panic. […]

Study on Public Mutual Berhad in Malaysia Finance Essay

Public Mutual Berhad (Public Mutual) is the largest private unit trust company in Malaysia and currently manages more than 70 funds with total NAV of more than RM35.2 billion for more than 2,300,000 accountholders. Incorporated in July 1975, Public Mutual began its operations in 1980 with the launch of the Public Savings Fund, and soon went on to become an industry leader and setting forth new trends in innovative fund development. 1)investment objectives of public mutual To achieve long term […]

Study on the Issues of Dividend Policy Finance Essay

Dividend policy has been an issue of interest in financial literature since Joint Stock Companies came into existence. Dividends are commonly defined as the distribution of earnings (past or present) in real assets among the shareholders of the firm in proportion to their ownership. Dividend policy connotes to the payout policy, which managers pursue in deciding the size and pattern of cash distribution to shareholders over time. Managements’ primary goal is shareholders’ wealth maximization, which translates into maximizing the value […]

Study on the Structure of Brac Bank Finance Essay

BRAC Bank is a scheduled commercial bank. It is established in Bangladesh as a public limited company. 4th July 2001 the bank started its journey in Bangladesh under the banking company act 1991. On May 20, 1999 the bank established as a bank which is limited by the share. Building a profitable and social responsible organization is the corporate vision of the BRAC Bank. The main vision of this bank is to be a market leader and give loan and […]

Study on the Uses of Hybrid Finance Finance Essay

An instrument of hybrid finance can be defined as a security which holds the combination of features of both equity and debt. Users can benefit from the positive factors of equities and debt instruments without incurring the disadvantages of them. However there are also risks that are associated with the use of hybrids. There are various forms that hybrid financing can take, for example convertible bonds, warrants, preference shares, callable bonds and innovative hybrids. In this essay the various forms […]

Sustainability of Islamic Finance in the West Finance Essay

With a rapidly altering world economic system, the long-established virtues and stringent laws of Shariah based Islamic Finance have recently adopted a promising reputation. Despite global attention on Middle East unrest and public divides in opinions related to Islamic practice, a growing trend towards favoring the adoption of IF policies. Since its formal establishment in 1963 in Egypt, through rapid expansion in the UAE in 1975 and Kuwait in 1977, the region sparked global interest as Islamic nations have consistently […]

Testing the Validity of International Fisher Effect Finance Essay

Foreign exchange trading refers to trading one country’s money for that of another country. The need for such trade arises due to tourism, international trade, or investments across boundaries. The foreign-exchange market, as we usually think of it, refers to large commercial banks in financial centers, like New York or London, trading foreign-currency-dominated deposits among each other. Theories aiming to explore and understand interactions in international monetary variables became increasingly more important as deregulations and international integration of financial markets […]

The Collapse of the Icelandic Banking System Finance Essay

In the transition from a small-scale, low risk deposit money banking system to a universal international banking system oriented toward high-risk leveraged investments and depending heavily on foreign wholesale financing was accomplished in less than a decade. The three leading banks, Glitner, Kaupthing, and Landsbanki, were among the fastest growing financial institutions in the world (Eggertsson and Herbertsson, 2009). As the domestic economy had grown and stock prices had soared, the three banks’ assets had expanded from “100 percent GDP […]

The Effects of Asset Price Bubble Bursts Finance Essay

The outbreak of financial crises is now more than 2 years ago. Out of many factors responsible for the occurrence of the current financial crisis one important factor is the rise in the asset prices which is followed by a collapse and the widespread default. Bursting of the asset price bubble often leads to financial crisis. Some historic examples of crisis due to bubbles in asset price are the Dutch Tulipmania, the South Sea bubble in England, the Mississippi bubble […]

The Financial Performance of Banks in Pakistan Finance Essay

Pakistan is included in the countries that are heavily affected by each other, and any sort of chaos of any scale would surely harm Pakistan’s economy. A country like Pakistan that is already fighting for high food and fuel prices could pay horrible cost of global financial crisis. Pakistan’s economy is dealing with most horrible sort of macroeconomic discrepancies and surely need financing. Pakistan’s financial development has slowed down and the flow of those financial crisis perhaps or might not […]

The Impact of European Sovereign Debt Crises Finance Essay

The Greek government-debt crisis caused the European sovereign-debt crises. Because of the Greek Until the end of 2011, nearly three years after European sovereign debt crisis erupted. The speed of its contagion and promotion never stop. This crisis showed a dangerous signal ‘contagion’ which is also a very important theme. From Italy to Spain, and even France to Germany, two largest economy of the euro-zone is also difficult to protect themselves. And the performance of the “contagion” effect the world […]

The Major Powers of the Central Bank Finance Essay

There was a time when money did not exist. Long ago, people at a stage called “subsistence economy” produced only what they needed. Their needs were few but their methods of production were such that they spent most of their living hours in an unceasing battle for personal survival. They had no need for money. Thus, they were engaged in a Barter System. However, the Barter System became very deficient and it was thought wise to introduce money. But who […]

The Need to Improve the Treasury Department Finance Essay

The word bank is derived from an Italian word ‘Banque’ which means beanch. The view has the basis that early bankers conduct their business while sitting on benches in Italy. Bank is a financial institution which accepts deposits of money from the public for the purpose of lending or investing and these deposits are repayable on demand or otherwise can be withdraw by cheque, draft order or otherwise (Banking Companies Ordinance 1962). It also converts the domestic currency in the […]

The Npa of Punjab and Sind Bank Finance Essay

NPAs have turned to be a major stumbling block affecting the profitability of Indian banks before 1992,banks did not disclose the bad debts sustained by them and provision made by them fearing that it may have an adverse. Owing to the low levels of profitability, banks owned funds had to be strengthened by repeated infusion of additional capital by the government. The introduction of prudential norms strengthen the banks financial position and enhance transparency is considered as a milestone measure […]

The Process of Banks and Financial Insistutions Finance Essay

Introduction The financial system of Bangladesh consists of Bangladesh Bank (the central Bank of country), Schedule banks, financial institutions (Non-banking), various co-operative societies, insurance companies, microfinance institutions (MFIs) and non-government organizations (NGO). Direct regulation and supervisory responsibility over the system rests with Bangladesh Bank. Among the 48 schedule banks, there are 4 state owned commercial banks, 5 state owned specialized banks, 30 domestic private commercial banks, 9 foreign commercial banks and 29 non-bank financial institutions. Financial institutions represent one of […]

The Profile your Attitude to Investment Risk Finance Essay

Are you willing to take any risk with the capital you are investing? If yes, how much risk are you prepared to take? How would you feel, if your investment(s) lost 0-10%, 21-30% or even more in the short, medium of long term? How long do you wish to invest for? Are you going to need to access your investment within a year, or do you have a longer time frame mind – i.e. 5 – 10 years or even […]

The Profits of the Mcb Bank Pakistan Finance Essay

MCB is amongst the oldest banks of Pakistan. It was amid those isolated banks to be nationalized in 1974 later it was assimilated in 1947. Nationalization had an extreme effect on its presentation and performance as it exaggerated the superiority of loan collection and services. Ultimately, it was denationalized in 1991 and is presently maintained by the Mansha group. Post privatization, MCB’s importance has been on violent cost reduction. MCB has a set-up of over 1000 branches crossways in Pakistan, […]

The Pros and Cons of Equity Financing Finance Essay

Equity financing and debt financing are two alternative ways which assisted us to start a business. In addition, equity financing and debt financing were the useful methods when a company lacking of funds for the expansion in order to open a new plant. Equity financing is one of the ways to increase the funds of the business. It means that more funds can be obtained by sell their ownership interest to the public in exchange for funds and normally it […]

Two Types of Ratio Comparisons for Etisalat Finance Essay

In this report we will analyze two Types of Ratio Comparisons first ratio Trend or time-series analysis and second Cross-sectional analysis for Etisalat. We will find liquidity ratios, activity ratios, leverage ratios, profitability ratios, market ratios and the DuPont system for Etisalat. Etisalat Overview Etisalat; UAE’s first telecommunication company laid its foundation in 1976, with a paid up principal of about (AED) 7,906,140,000 And the par value per share is (AED): 1.00. The number of current employees is about 10500 persons. Major owner […]

Understanding of Finance Within a Business Environment Finance Essay

As we are aware, finance is the lifeblood of business or it can be said as the most important part of all the business enterprises. To understand finance, you need to know the entire business indeed. Finance can be used for various reasons like expanding the business, investing and purchasing fixed assets like land and building, machinery so on. In order to survive in this competitive world every organisation need to have a good strength of finance available to their […]

Review on the Effects of Foreign Direct Investment Finance Essay

The removal of cross-border restrictions on international capital flows and the trend toward an integrated world economy has been a substantial progress over recent two decades. Hence, it has increased the growth of foreign direct investment(FDI) activity. Madura and Fox (2007) define foreign direct investment (FDI) as the investment in real assets (such as land, buildings, or even existing plants) in foreign countries. They also find that multinational corporations(MNCs) commonly capitalize on foreign business opportunities by engaging in FDI. They […]

Advantages and Limitations of each Source of Finance Finance Essay

This assignment covers all detail about sources of finance. The aim of the research is to identify different sources of finance like short-term finance, medium-term finance and long-term finance. The first part of the assignment gives you an introduction about sources of finance. The second part covers short-term sources of finance and their advantages and limitations. The third part covers medium-term sources of finance and their advantages and disadvantages. And the last part covers long-term sources of finance and its […]

Analysis for Growth of Islamic Banking in Pakistan Finance Essay

Over the last ten years, Islamic banking has developed significantly. It has evolveded global rates of 10-15 % per year and has gotten an increasing number of conventional financial systems. At present Islamic financial institutions have stretched through 51 countries all over the world. As a result, the modern banking system was introduced to Islamic nations during the time when these countries were economically and politically at low recede i.e. the late 19th century. (, 2009). Most of the […]

An Analysis of Financial Structure and Transaction Cost Finance Essay

In an economy, the financial structure is designed promote economic efficiency. One of the main requirements for a healthy economy is an efficient financial system that channel funds from savers to investors.” The financial structure of a country includes a complex structure of financial system including many different financial institutions: banks, insurance companies, mutual funds, stock and bonds markets, etc. which channel the money from the people who save to people with investment opportunities.” (Mishkin 169) Basic Facts about Financial […]

Credit Crunch on Small Firms in the UK Finance Essay

The seriousness of every recession has always started with financial distress in a number of sectors of the economy (Bernanke et al, 1991).Without doubt the financial environment in the United Kingdom and the rest of the world has witnessed a dramatic down turn facing what the financial experts and the economist call “credit crunch”. Ding et al (1998) quoted the Council of Economic Advisors (1991) that credit crunch is “a situation in which the supply of credit is restricted below […]

Easy Credit Conditions and Growth of Housing Bubbles Finance Essay

Based on economist view, there are many reasons for economic crisis happened in 2008. Most economists believe that it happening in the United States. From 1997 to 2006, people buy very pricey houses even though they did not have enough money. But because of the money upcoming in to the U.S. from other countries, it was easy to have good credit. People used this credit for pricey home loans so this formed a housing bubble, which made the price of […]

Effective Return on Tax Saving Mutual Fund Schemes Finance Essay

Savings are the tool used by a person or an organization that abstains from present consumption for a future use. Investment is an activity that engaged by people who have savings with the aim of achieving additional income or growth in values. It may be defined as ” a commitment of funds made in the expectation of some positive rate of return”. Investors may have different aim for investing their money such as capital appreciation, regular return, safety, proud of […]

Financial Analysis and Decision Making at Bresil Investment Finance Essay

Introduction As a team of investment Analyst for Bresil Investment, We have been approached by one of our client, Stephen Curry to offer investment advice. Mr. Curry has two investment choices, either Games Workshop PLC or Hornby PLC. Our analysis will include ratio analysis of both the companies for current and previous years, as well as some industry specific analysis. Aim of this report is to provide Best investment advice for Mr. Curry. Financial Analysis “Financial Analysis exists to help […]

Interest Essays