It measures the amount of a bank’s capital relative to the amount of its risk weighted credit exposures. Capital adequacy is used to determine whether a bank has enough capital to support the risk on its balance sheet i.e. it is used to mitigate bank solvency problem. A bank with a strong capital adequacy is also able to absorb possible loan losses and thus avoids bank run‚ insolvency and failure. Higher capital reduces bank risk and creates a buffer against
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I chose a regulation regarding the Making Home Affordable Program Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance; Capital-Residential Mortgage Loans Modified Pursuant to the Making Home Affordable Program. [Docket ID: OCC-2009-0007] 1. State the administrative agency which controls the regulation. Explain why this agency and your proposed regulation interests you (briefly). Will this proposed regulation affect you or the business in which you are working?
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1. What are the strengths and weaknesses of customer satisfaction as a performance measure in this case? In general? In the past‚ banks generally would not use customer satisfaction as one of the indicators for the performance evaluation. However‚ customers’ service expectation has become much higher and highly related to the profitability of the bank in the 1990s’. Customers are requesting comprehensive selection of banking products with thorough customer service. Under the trend‚ Citibank added
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1. Analysis and investment recommendation According to Frino et al (2013)‚ both Mean-Variance and CAPM are based on the assumptions that returns are normally distributed. However‚ both of the two approaches are unstable and untenable to some extent then they also followed with many critiques and queries from the publicity. Here are some rational and underlying assumptions as follows. 2.1 Rationale and underlying assumptions of MV and CAPM approaches The total risk with a security has
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1.0 Introduction When humans are exposed to chemicals‚ they are not exposed to just one chemical at a time. A vast number of chemicals penetrate our environment. Exposure‚ whether simultaneous or sequential‚ are to chemical mixtures. The standard definition of a chemical mixture is any set of multiple chemicals regardless of source that may or may not be identifiable that may contribute to joint toxicity in a target population. 2.0 Organisation And The Chemicals Use An assessment of chemical
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AUDIT GUIDELINES Level 1 General IT audit approach COBIT Framework Audit Process Requirements Control Observations Generic Audit Guideline Level 2 Process audit guidelines Level 3 Audit attention points to complement detailed control objectives J Detailed Audit Guidelines J Local Conditions sector specific criteria industry standards platform specific elements detailed control techniques used AUDIT PROCESS REQUIREMENTS Having defined what we are going to audit and provide assurance
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conflict-avoiding goals. Outline 1.0 Introduction of Politeness 1.1 What is Politeness? Politeness is a kind of socio-cultural phenomenon in human communication. Politeness is seen as the adequacy of linguistic behavior. 1.2 Motives of Being Politeness The motives of being politeness lies in the consideration of "face". Face is viewed as a positive public self-image that is maintaining in society. 2.0 Culture 2.1 Define Culture Culture consists of not only language‚ behavioural norms‚ which
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From the 1991 India economic crisis to its status of third largest economy in the world by 2011‚ India has grown significantly in terms of economic development. So has its banking sector. During this period‚ recognizing the evolving needs of the sector‚ the Finance Ministry of Government of India (GOI) set up various committees with the task of analyzing India ’s banking sector and recommending legislation and regulations to make it more effective‚ competitive and efficient.[1] Two such expert Committees
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Manage the selection & formation of contract team Objective 4 Manage the operations of organisation & communication system Objective 1 Manage the evaluation & selection of construction methods The Contracts Manager’s responsibility to ensure the adequacy of contract data‚ the identification of efficient & effective work methods & the economical use of resources. Cont’d: Manage the evaluation & selection of construction methods Available contract data is analysed in detail & summarised to enable
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Name – Jayan Jhalani Topic – Merchant Banking & Role of SEBI Semester – 3 Division – B Subject – Merchant Banking & Financial Services PRN - 12021021049 Acknowledgements I would like to thank Professor Nitin Malhotra for her guidance and support throughout the project. I would like to thank Symbiosis University for giving such a project. Last but not the least I would like to thank my parents without whom this project would not have been possible.
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