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

Risk Management and Financial Performance in the Bank of China Finance Essay

Bank of China (Hong Kong) Limited (BOCHK) is the second-largestA commercial banking groupsA inA Hong Kong with more than 300 branches. In spite of its magnitude and systematic risk management, 2008 has witnessed a decline in operational income and a negative shock to BOCHK. In this report, I will first investigate the overall risk management of BOCHK followed with its measurement and management of credit risk, and finally compare the 2008 financial performance with previous year by utilizing ROE framework. I. Overall Risk […]

Not Risk Averse Essay Online for Free

I often hear finance managers say an investment related proverb that goes like this; “be risk diverse, not risk adverse”. An inquisitive, or even not so inquisitive mind may wonder “what does this concept really mean?” and “why is it so important when investing?” This paper seeks to provide answers to the querying mind and to explain, not only by definition but also via demonstration the importance of having a diversified portfolio. It will also include reasons why investors should […]

Financial Risk Management Consultancy Finance Essay

Sometimes companies are faced with tough investment decisions to make. Mostly, these are decisions that affect the future growth or perpetuity of a particular company. Each company would like to know the expected returns in future so that it may plan ahead. However, with the current volatility in the market where prices are fluctuating without warning, it becomes hard to pinpoint what a company will be worth in future or at what price the commodities of the company will be […]

Credit Risk is to a Company Essay Example Pdf

Definition:” Credit Risk is the risk of loss arising from some credit event with counterparty”. Who can be the possible counterparty? Counterpart can be Individuals, companies or the government of a country itself. In layman’s terms credit risk is the risk that you won’t be paid back your money or the the person whom you have lended money or given money for a contract defaults. There can be many types of obligations apart from the currency such as, customer credit […]

Risk Management Theory in Financial Institutions Finance Essay

Risk infers the opportunity that something is going wrong that is the current and most common view. The Stanford Encyclopaedia of Philosophy 2007 explains risk as a negative role and unnecessary event. Risk is a totally chance or can be managed is an individual response. The last position is dealing to take by the management researchers. The argues on this view that we cannot eliminate risk at least we can expect it at anytime, and to decrease its impact we […]

Study to Determine Impact of Credit Risk on Bank Stability Finance Essay

Abstract Credit works as blood life of any banking institute. This research is based mainly at investigating the impact of credit risk on banking stability, in banking sector lending behavior in Pakistan using data on commercial banks and macroeconomic instability from last decade. Our results under the Co-integration of variables and Correction Modeling framework show that bank lending has a long-run relationship with macroeconomic stability. The research therefore, recommends that while banks should pay enough attention to the results of […]

A Risk Analysis of Grasim Industries Finance Essay

GRASIM INDUSTRIES is one of the leaders in cement industry. It is apart of ADITYA BIRLA GROUP. It is the second largest producer of cement after ACC limited. KUMAR MANGALAM BIRLA is the chairman of Grasim industries. RISK ANALYSIS Some of the key risks affecting the Company are illustrated below: Economic Risk Due to the opening of world trade and diminishing tariffs, the Company is faced with the threat of pressure on margins on products. To counter these, the Company […]

Operational Risk has been Often Underestimated Finance Essay

Operational risk has been often underestimated and set aside in relation to other risks by many insurance companies during the past, especially in insurance and banking industry. Nowadays, operational risk has been given more attention, as it has been realized that proper and effective operational risk management can significantly reduce unnecessary operational losses. It can also result in enhanced productivity and more effective and efficient business processes that are crucial for every organization. Managing operational risk is not an easy […]

Risk Management Assignment on Ing Vysya Bank Finance Essay

A Brief about ING Vysya Bank. NG has gained recognition for its integrated approach of banking, insurance and asset management. Furthermore, the company differentiates itself from other financial service providers by successfully establishing life insurance companies in countries with emerging economies, such as Korea, Taiwan, Hungary, Poland, Mexico and Chile. Another specialisation is ING Direct, an Internet and direct marketing concept with which ING is rapidly winning retail market share in mature markets. Finally, ING distinguishes itself internationally as a […]

The Credit Risk of Banks Finance Essay

The aim of the study is to assess the credit risk management of major banks in Mauritius. This chapter presents the review of related research of the component credit risk management. Banks main activities and operations are based on the management of wide range of equity capital, assets and liabilities. Greuning, H.V and Bratanovic, S.B (2003) pointed out that Adequate risk management is therefore a must and forms part of effective banking operation. Common cited risks include; operational risk, liquidity […]

The Risk Management in Banks Sectors Finance Essay

Risk is a factor that affects the financial characteristics of a banking system. Risk management has been seen and being emerged as an issues in the banking sectors as well as the financial and non financial institutions which focuses on the risk related losses in various entities and the important of risk within all firms. Risk management is increasing in the main area of business competence in the banking sectors and financial intuitions. In other for risk management to be […]

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 […]

Product Risk and Uses of Standard Deviation Finance Essay

Risks and returns are the two most important concepts in the investing world. The concept of return, which is the profit on investment, is a very clear subject to many investors but the risk is often vague. Several approaches had been employed over times to measure the risks associated with investment portfolios. Standard deviation is a popular basis for risk measurement used for investment purposes (Today Forward, 2010). Standard deviation hence helps to tell a story behind a data and […]

Risk and Return from Investing in Foreign Securities Finance Essay

The purpose of this essay is to examine the implications, risks, and returns associated with foreign security investments. Analyzing these factors associated with investing in foreign securities has become extremely important due to the increasing number of foreign security investments in recent years. This essay introduces analytical factors to determine the attractiveness for investing in foreign securities. Analytical factors include implications of economic objectives and accounting standards, returns of increased profitability and portfolio diversification, and risks of exchange rate and […]

Risk Areas of the Royal Bank of Canada Finance Essay

Royal Bank of Canada (RBC) is the largest bank in Canada in terms of the assets and market capitalization. It provides diversified financial services including Canadian and international banking for personal users and commercial users, wealth management services, insurance, corporate and investment banking, capital markets and transaction processing services. Risks are lack of certainty of outcome and they are measured by set of probabilities in order to estimate the loss. A superior wealthy financial service company should be able to […]

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 […]

Risk Manager Can Make Optimal Use of Insurance Finance Essay

Recently, the subprime mortgage crisis and the European debt problems spread all over the world. Many companies were influenced by all kinds of problems and faced with risk loss. Therefore, corporate risk management becomes more and more important in operating business. There are several kinds of risk management strategies. However, insurance is the most common and popular tool among these numerous strategies. In the crisis, many companies survived rely on the insurance. This essay will discuss the risk management and […]

Economic Risk Assessment of Democratic Republic of Congo Finance Essay

This report provides an assessment of the Political and the Economic Risk of DRC for FDI by Rio Tinto and whether it will have the access to the funds to finance its direct investment in the DRC and what are the available sources to finance that project and different risks associated with them. While discussing the issues relating the political risks and other macroeconomic indicators related to the DRC. The report also addresses the issue of repatriation of dividends to […]

Financial Risk Management in the Briggs Distribution Center Finance Essay

This report is based on the Assessment of the methods available to Briggs distribution center for analyzing its risks the structure of the job in the Briggs distribution center should be based on the increase of efficiency in consideration of the main sources of financial risk for the company. This is based on the appreciation of the fact that the majority of the clients of Briggs are commercial stores of specifically large size such as the Macy’s. The distribution center […]

Liquidity Risk in the Finance and Banking Sector Finance Essay

I would like to choose liquidity risk for my assignment. Why I have selected liquidity risk? It is because there are some points or question I would like to understand. First reason is about the financial crisis. At 2007, the financial crisis interpreted how quickly and severely liquidity risk can crystallize and certain sources of funding can disappear. It shows the need for the valuation of assents and capital adequacy. The emergence and development of the financial crisis was fully […]

Review about Entrepreneurship and Risk Finance Essay

The aim of this chapter is to develop the knowledge and understanding on the subject matter as well as providing the theoretical background for the study. Therefore, it was essential that a desk review be made on previous studies focusing on the topic of the risk taking propensity among entrepreneurs. The literature review included some relevant studies that were done in the past particularly those related to the issue of this study. In addition, studies related to the general issues […]

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 […]

The Risk Involved in Investing in Real Estate Finance Essay

When a person acquires real estate, she/he also acquires a set of rights, including possession, control and transfer rights. In order to achieve capital appreciation investment in real estate involves the commitment of funds to property with an aim to generate income through rental or lease. However, the real estate income can be highly unpredictable and consequently investment in real estate is very risky as it is the case with investment in equity. One of the main reasons for the […]

The Foreign Exchange Reform in China and Hedging Currency Risk Finance Essay

China, one of the large emerging markets, with the implementation of its “reform and opening up policy” made in 1978. China has successfully transformed itself from an inflexible centrally-planned economy to an open and market-oriented economy, and accomplished remarkable progress in trade market. China has maintained high and stable growth rates for over two decades. Since China is becoming an increasingly important member in the world’s economic scene, the movements of the foreign exchange rate could be an important issue […]

Why do Small Businesses Fail and how to Minimize Risk Finance Essay

Abstract It has been suggested that the impact of potential causes of small enterprise failure might be reduced if business owners got appropriate advice. This paper reports the results of a national study of small retail and service firms to determine the failure reasons of starting a business. Much of the literature indicates that success and failure of small businesses has a lot to do with preparation of the business owner. People who establish a plan for success are usually […]

Actuarial Finance Advanced Enterprise Risk Management Finance Essay

A rating-based credit model can typically be looked at as two separate parts; a credit sensitive component based on the firms rating and a non-credit sensitive part which looks at other factors which have an impact on a bond’s price. There are two primary ways for identifying these factors as described below. The first way to identify factor structures is to take known factors which are likely to impact the price of the bond and then use multivariate regression techniques […]

Impact of Operational Risk Management Banking Profitability Finance Essay

Desire the study and understanding that how the impact of Operational Risk Management is on banking profitability in Pakistan. The primary focus of the study is as explanatory so proposed study will use quantitative design in with structured questionnaires will be filled and find out Operational Risk Management about Banking Profitability. A risk management process that includes the three basic elements of assessing risks, controlling risk exposure, and managing risks will help banks and regulators attain goals. Due to a […]

Purpose of Foreign Exchange Risk Hedge Finance Essay

This report has been produced as a request of the course “International Financial Management”. This report has been developed in three segments. Part one explaining the factors related to hedging and the alternative techniques available. It also brings into consideration the factor that the CEO’s request of the techniques have also been brought under and compared. Part two has compared all three selected options and has produced the final selection. Last part has a comparison of the forward and option […]

Risk Management Techniques and Systemic Risk Finance Essay

In my opinion, existing risk management techniques are not fit for purpose when examined in the context of overall financial stability. This is because current regulation and risk management techniques focus on protecting individual institutions rather than protecting the economy as a whole. As a result, there is no framework to alleviate systemic risk which has led to financial crises such as the most recent crisis in 2007. Section 1 will begin by defining systemic risk which is a central […]

General Motors Foreign Exchange Risk Management Policy Finance Essay

General Motors was the world’s largest automaker and since 1931, the world’s sales leader. In 2000, it had a net income of $4.4 billion on revenues of $184.6 billion. North America represented the majority of sales to end customers but international operations were also growing and international sales had reached 18% of overall sales. The key objectives of GM’s foreign exchange risk management policy was to reduce cash flow and earnings volatility, minimize management time and costs dedicated to FX […]

Risk Essays