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How Can Malaysian Banks Make Internet Banking Successful Finance Essay

As all of us know, the banking industry has experienced intense changes during the last decade. There are mergers and acquisitions between banking institutions, increase in sizes which they operate and the combination of banking with other financial services. It is known that all the changes made by bank nowadays are to increase public’s access to financial services and to achieve customers’ satisfaction. In respect of customers, the recent changes in banking are more likely to benefit them as they […]

Impacts of Us Quantitative Easing on Financial Assets Finance Essay

On July 24, 2009, Federal Reserve unleashed its recent quantitative easing (QE) campaign. Fed Chairman Ben Bernanke declared that the Fed had an "exit strategy." Interestingly, sixteen months later, Bernanke announced the second phase of QE generally known as QE2.A However, this time insteadA ofA pretending an exit strategy, he designed a plan to expand the program in perpetuity. The market’s initial dramatic reaction was most surprising. The Fed is going to be buying (QE2) 600 billion dollars of Treasuries (in the 5-7 […]

Investment Bank Reputation Information Production and Financial Intermediaries Finance Essay

The article is a joint work of Thomas J Chemmanur and Paolo Fulghieri, it speaks about the reputation building of an investment bank, how information production and work of their underwriters help the banks build as well as break their reputation in the equity market. It calculates the reputation of a bank for entrepreneur and investor based on a virtual model created by them based on the real life market. About the Authors: The article is written by Thomas J […]

Islamic Banking and Impact of Two Tier Mudarabah Finance Essay

The Term Bank is an Italian driven “banca” which is derived from German – means bench or counter, as Florentine bankers used to use the Benches as their desks with green desk cloths on it for making their activities of transactions. Bank can be defined as a financial institution or organizations permitted by financial authority within a government body or government itself to undertake deposits, pay interests, lend money to the borrowers. The term “Bank” is also defined as “An […]

Islamic Finance and the Rules of Islamic Law Finance Essay

The financial industry has historically played an important role in the economy of every society. Banks mobilise funds from investors and apply them to investments in trade and business. The history of banking is long and varied, with the financial system as we know it today directly descending from Florentine bankers of the 14th – 17th century. However, even before the invention of money, people used to deposit valuables such as grain, cattle and agricultural implements and, at a later […]

Managers should Run Businesses According to Shareholder Interests Finance Essay

Managers have always been known to lead and direct an organisation, since the firm is owned by the shareholders but run by the management. Managers should run the business with the shareholder’s interest, thus the main objective of managers should be to maximise owner’s wealth by maximise amount of dividends paid out to shareholders. Since the amount of dividend can be represented by the current stock market’s values of the firm ordinary share capital. As a result, the main interest […]

Method National Australia Bank Used in Raising Funds Finance Essay

As the Financial Services Minister Chris Bowen said, Australia is the only major Western nation to have avoided a recession in the worldwide slump. Even though Australia had close financial relationships with Asian countries, it seems that Australia’s economy has not been affected by other crisis countries. Thanks to the nation’s well developed capital market and the unique financial regulation system, investors still feel confident to Australia’s equity market which is the eighth largest in the world. This report contains […]

Mission of Microfinance Institutions Versus Microfinance Goes Public Finance Essay

The difference between many of commercial banks and microfinance institutions (MFIs) is the commitment to a double-bottom line, financial and social, of the latter. The microfinance itself is considered as a poverty alleviation tool and as the sector with potential to become self-sustainable. There have been a number of debates about the future of the microfinance industry. Since 1990s, some debates regarding the possibility of achieving the social mission of the MFIs, mission to serve the poor and thus to […]

Need for Investment and Various Alternatives for Investment Finance Essay

Investment Management is a broad term that encompasses employing, monitoring and evaluating the performance of assets held in various financial instruments. It deals with financial instruments and the major entities involved include financial institutions, insurance firms, banks, individuals, etc. The markets these days being highly volatile, investment management is of prime importance generating returns on assets by combating the risk involved due to surrounding factors. The paper basically focuses on the need for investment, various alternatives for investment, timing of […]

Objective and Functions of Asset Liability Management Committee Finance Essay

Introduction ALM means asset liability management. ALM is defined as, “the process of decision – making to control risks of existence, stability and growth of a system through the dynamic balances of its assets and liabilities.” ALM is the process involving decision making about the composition of assets and liabilities including off balance sheet items of the bank / FI and conducting the risk assessment. ALM is an integral part of the financial management process of any bank. ALM is […]

Pakistan is Living in a Highly Integrated World Finance Essay

Pakistan is living in a highly integrated world and a major turmoil of this magnitude and would definitely create certain implications for Pakistan’s economy. Pakistan already reeling from high food and fuel prices could face adverse consequences of the global financial crisis. The country’s economy is already confronted with worst kind of macroeconomic imbalances and obviously need financing desperately. Pakistan’s economic growth has slowed down and the ripple effects of this financial crisis may or may not hit with same […]

Performance of Islamic Funds in the Gulf Area Finance Essay

There is a lengthened chronological association with the growth and development of traditional commercial banking practice and religious conviction. As Brown and Skully (2007) have put it, some of the earliest economic transactions commenced with the storage of gold in religious temples which expanded at a swift pace, thereby, allowing the ancient Greeks to make credit notes which were acknowledged throughout Greece. Islamic banks and financial organizations are operating in accordance with the facilitations and decrees of the Islamic Shariah […]

Research on the Concept of the Islamic Bank Finance Essay

The Islamic bank is a financial institution which mediates between savers and investors within the framework of Islamic law. This definition highlights the bank’s role as a financial institution which aims to attract funds and investment banking services and to act as a financial intermediary within the framework of Islamic law. Islamic financial institutions are subject to the regulations and laws which cover the banking sector, as well as the rules specified in Shari’a law. Therefore, we find that internal […]

Risk Management of Public Debt in Emerging Countries Finance Essay

Overall objective of public debt management is to reduce the country’s fiscal vulnerability by stabilizing the debt ratio dynamics at some desirable level (Melecky 2007). The traditional approach to public debt management analyzes debt sustainability in the absence of risk. The risk management approach, in contrast, shows that risk is minimized if a debt instrument provides insurance against variations in the primary budget and the debt ratio due to uncertainty about output and inflation (Bloomenstien 2005). Risk management, which lies […]

Risks of Investing in all Types of Bonds Finance Essay

When interest rates rise, bond prices fall; conversely, rates decline, bond prices rise. The longer the time to a bond’s maturity, the greater its interest rate risks. This risk can be reduced by diversifying the durations of the fixed-income investments that are held at a given time. Interest rate risk affects the value ofA bondsA more directly than stocks, and it is a major risk to all bondholders.A As interest rates rise, bond prices fall.A The rationale is that as interest rates increase, the […]

Role of the National Bank and its Intervention Finance Essay

In Georgia, as in the world’s most ancient civilized countries, the monetary-credit relations, the existence of different credit facilities and banks have a very long history. Different types of credit institutions, such as credit unions appeared in the VIth century BC in ancient Georgian kingdoms of Colchis and Iberia. These institutions were the precursor of today’s banking system. This process permanently continued and further accelerated, and in the 8th century, wide variety of credit organizations – banks in today’s term […]

Shifting Pattern of Unilever during Global Financial Crisis Finance Essay

The United Nations Conference on Trade and Development (ref) of April 2009 declared that the year 2008 saw the end of the growth cycle in international investment. The cycle started in 2004, and by 2007 foreign direct investment (FDI) inflows had reach a historical figure of $1.9 trillion. However, following the 2008 global financial crisis, FDI inflows declined by 15 per cent (ref). It is worth noting that most economists think that a further decrease of FDI inflows will continue […]

Study on the Life Cycle of a Business Finance Essay

No idea can be made into a reality without cash or capital or funds. Fund management is one of the most important aspects involved in running any kind of empire. It is important for an entrepreneur to choose the right way to fund their business; they must carefully weigh their options and use the most optimum solution. As the company grows and they get a good reputation the options available open up and making it even more crucial for the […]

Study on the Main Determinants of Bank Failure Finance Essay

During the last decade, banking industry has become highly competitive, resulting in many banks to use aggressive strategies in order to survive or maintain their respective share in the market. This tendency of these financial institutions to become more aggressive when confronted with competitive pressures has led many banks to fail. Banking industry has gone through significant changes and is continuing to undergo major structural alterations. This dynamic structure results in an uncertain environment for the industry. The recent financial […]

Subprime Crisis and Impact on Banking in India Finance Essay

Subprime crisis, the turmoil on mortgage markets has claimed several causalities. Banks have transferred risks to special entities SIVs and SPVs. This practice has given the impression that the credit risk has been transferred from banks to investors. In traditional banking loans were kept in on bankA´s balance sheets. Now the complete process of originates and distribute model involves borrowers, originators, arrangers, credit risk agencies and investors. This process means credit market imperfections. The banks have less incentive to monitor […]

The Causes and Consequences of the Subprime Crisis Finance Essay

On 7th December 2006, Own It Mortgage Solution Inc., the 100 percent institution that give loan to customer and owned by Merrill Lynch & Co., had decided to close down and told 800 workers not to come to work by next day (Keoun, 2006). At the end of February 2007, HSBC Finance, one of the HSBC bank in England whom specialized in subprime, had recognized the loss around $1.4 billion (Livesey, 2007). On 20 March 2007, People Choice Financial Corporation […]

The Causes and Effects of the Credit Crunch Finance Essay

The words credit crunch have been all over the financial headlines in the UK, including the effects that has hit the financial markets both in the UK and in other parts of the world have been reflected in a number of ways, affecting both financial institutions(banks) and consumers. Several authors and regulators have showed their different views about the causes and effect of credit crunch. Many economists studying the credit crunch explain it as a cyclical fall in credit demand. […]

The Credit Crunch and Fall of Northern Rock Finance Essay

Who invented the term credit crunch is unclear but it was used in study by America’s Federal Reserve Bank as far back as 1967. (“The Sunday Times” January 4, 2010)1 Financial crises have intervened the operation of financial markets over years. Most noticeably the great depression in 1929-30, the 1970s inflation crises and the banking crises in the 1990s created confusion in the financial markets causing severe disruption. The current financial crisis which emerged in 2007, although the roots were […]

The Impact of Online Banking on Global Markets Finance Essay

Online banking has been shaping and shaking the financial sector world wide. But sustainability depend on proper understanding of consumer, there demand and the way they use it. The main objective of this report is to focus on technology (especially IT) use in banking sectors. It also focuses on Limited Purpose Bank and Credit Card system. Thus objectives of the study are to: Changes of future banking sector and impact of information systems. Limited purpose bank and use of technology […]

The Nature and Role of the Financial System Finance Essay

Financial system is a mechanism where economic exchange activities can be done. The economic activities can be done through the interaction between financial institutions and the financial market. The purposes of this interaction are to mobilize fund and providing payment facilities for the financing of commercial activities. With the emergence of Islamic finance, the dual financial systems being introduce. In dual financial system the conventional financial systems operating side by side with the Islamic financial systems. The Islamic Financial system […]

Theoretical Studies of the Sensitivity of Stock Returns Finance Essay

This chapter reviews the theoretical and empirical studies, regarding the sensitivity of stock returns of banks to interest rates and foreign exchange rates. In the course of review, the studies focussing on the interest rate are evaluated first, followed by an exploration of the studies focusing on foreign exchange rates. Finally, the empirical research that explores the effects of both interest rate and foreign exchange rates on stock returns for financial institutions are considered to help present a more accurate […]

The Relationship between Money Supply and Stock Prices Finance Essay

In this paper Rudolph studied on short-term relationship between money supply and stock prices that shows the correlations between changes in the money supply and changes in the stock prices, which was the subject of this body, that first became deceptive for Rudolph in 1967. It was in short-term nature, It believed these correlations signify a new finding in the ongoing investigation into the relationship between money and level of stock prices. For this Rudolph take the data of money […]

Use of Financial Derivatives in Managing Corporate Risk Finance Essay

Financial derivatives are instruments whose value is derived from one or more underlying financial asset. The underlying instrument could be a financial security, a securities index, or some combination of securities, indexes, and commodities. It is a financial contract with a value linked to the expected future price movements of the asset it is linked to – such as a share or a currency. There are many kinds of derivatives, with the most notable being swaps, futures, and options. Derivatives […]

What Investment Entails Concerning Future Share Period Returns Finance Essay

Investment entails some degree of uncertainty concerning future share period returns. In financial perspective risk is a synonym for uncertainty while return signify the totality of gain or loss on an investment. Risk in investment cannot be eliminated but can be managed through number of strategies such as diversification, asset allocation etc. This study was conducted to help Sandra (widow) manage her inherited portfolio by explaining to her on how reduce the risk level of her portfolio and risk-return tradeoffs. […]

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 loans they were not able to pay. The government lacked enough control and regulation, while the banks focused on making the biggest short-term profits they […]

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