nceCONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY A REPORT ON CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY ABHISHEK GUPTA ROLL NO – 10101 BATCH XVIII‚ 2010-2012 Report submitted in partial fulfillment for the award of Post Graduate Diploma in Management VIGNANA JYOTHI INSTITUTE OF MANAGEMENT (APPROVED BY AICTE‚ MINISTRY OF HRD‚ GOVT OF INDIA) BACHUPALLY‚ HYDERABAD VIGNANA JYOTHI INSTITUTE OF MANAGEMENT‚ HYDERABAD Page 1 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY
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Glossary – Financial Markets & Institutions ________________________________________ A advances A bank’s borrowings from the Federal Reserve System. Also known as discount loans. adverse selection The problem created by asymmetric information before a transaction occurs: the people who are the most undesirable from the other party’s point of view are the ones who are most likely to want to engage in the financial transaction. agency theory The analysis of how asymmetric information problems
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Hoda Vasi Chowdhury & Co. Chartered Accountants 3. Cash Cash in Hand (Including F.C) Local currency Foreign currency Balance with Bangladesh Bank and Sonali Bank Ltd. 3.1 Balance with Bangladesh Bank & Sonali Bank Ltd. Local currency - Bangladesh Bank Local Currency - Sonali Bank Ltd. Foreign currency-Bangladesh Bank 3.2 Cash Reserve Requirements (CRR) 6% of average demand and time liabilities Required reserve Actual reserve held with Bangladesh Bank Excess reserve 298‚629‚250 12‚173‚621 24‚407‚537
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Subject Review Questions and Solutions 1. Capital markets may operate under auction‚ over-the-counter or intermediated modes. Distinguish between these types of operation. Auction markets require the financial asset to be identical in terms of risk and cashflow & liquidity – the assets are then traded on a centralised exchange where all parties know prices – an example is the stock exchange – each share in a particular company is identical to all the others therefore you can have an auction
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Risk-Free Assets Case 2 Consider a do-it-yourself pension fund based on regular savings invested in a bank account attracting interest at 5% per annum. When you retire after 40 years‚ you want to receive a pension equal to 50% of your final salary and payable for 20 years. Your earnings are assumed to grow at 2% annually‚ and you want the pension payments to grow at the same rate. 2.1 Time Value of Money It is a fact of life that $100 to be received after one year is worth less than the same amount
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combination of current income and capital appreciation.” Coopers had been tasked with assessing the new issue of Corning convertibles. That day‚ she needed to decide whether to recommend purchasing some of the bonds for the Convertible Securities Fund. Her task was to assess the risk of the bond issue‚ and judge the adequacy of the yield‚ offering price‚ and the conversion terms. 1 www.ipo.com. This case was prepared by Jessica Chan‚ under the supervision of Robert F. Bruner. It was written as a
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Question 1 Susan Plumb is the supervisor of her firm’s research department. Her firm has been seeking the mandate to underwrite Wings Industries’ proposed secondary stock offering. Without mentioning that the firm is seeking the mandate‚ she asks Jack Dawson to analyze Wings common stock and prepare a research report. After reasonable effort‚ Dawson produces a favorable report on Wings stock. Plumb then adds a footnote describing the underwriting relationship with Wings and disseminates the report
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capital requirements have outgrown the capacity of the firm to generate funds from internal sources. Also‚ part of the funds were used to buy out a partner‚ further increasing financial pressure. The firm has foregone taking discounts on accounts payable and is borrowing increasing amounts from the bank so as to maintain its expansion. Mr. Clarkson’s decision today is whether to expand and ‚ if so‚ how to raise new funds. He is seeking a new bank connection from which he can borrow larger amounts
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Chapter 8 Project Funding 1 I 8.1 MONEY: A BASIC RESOURCE The essential resource ingredients that must be considered in the construction of a project are usually referred to as the four Ms. These basic construction resources are (1) money‚ (2) machines‚ (3) manpower‚ and (4) materials. They are presented in this order since this is the sequence in which they will be examined in the next few chapters. Here‚ the first of these resources to be encountered in the construction process‚ money
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as whether to consume or save‚ whether to buy a house and whether to purchase bonds or put funds into a savings account. Interest rates also affect the economic decisions of households or businesses such as whether to put their money in the bank or invest in new equipments for factories. Before continuing‚ we must understand exactly what interest rates mean. By holding financial instruments ‚ such as loans or bonds. Savers and financial institutions extend credits to those individuals or firms
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