Economic and Regulatory Capital in Banking: What is the Difference?∗ Abel Elizalde Rafael Repullo CEMFI and UPNA CEMFI and CEPR July 2006 Abstract We analyze the determinants of regulatory capital (the minimum required by regulation)‚ economic capital (that chosen by shareholders without regulation)‚ and actual capital (that chosen with regulation) in the single risk factor model of Basel II. We show that variables that only affect economic capital‚ such as the intermediation margin
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| |tourists. The company now owns the original coffee shop and two others within a 3 mile radius. | |The business is owned by Simon and two other business partners who do not take much of an active role in the business day to day. There | |is a small management team that is made up of the original owner‚ a senior manager and Finance Director. Each shop has a manager‚ | |assistant manager and a mix of junior and senior staff. The coffee shops
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CENTRE FOR PROGRAMME MANAGEMENT STUDIES FACTFINDERS CONSULTANCY SERVICES LTD‚ UK ADVANCED MONITORING & EVALUATION COURSE: TIMETABLE |Time |Session |Monday |Tuesday |Wednesday |Thursday |Friday | |9:00 - 10:00 am |Tutorial 1 |Definitions and Principles of M&E - |Planning and preparation for |Steps for a Systematic
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The Roles of School Counselor Based on the counselor’s log book listed 26 roles or responsibilities that must be done by a counselor. However‚ counselors are not necessarily bound by duties recorded because the scope of duties of a counselor is actually more than that. According to Mr. Zaifulnizam‚ role that can be played as a counselor must be based on knowledge of appropriate guidance and counseling so that they can deal with problems at school and managed to turn the actual functions of guidance
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MY REFLECTION SY 2013 - 2014 To begin with‚ I could say that I am more productive now compared back then when I was assigned at the School Canteen and be as one of the Canteen Teachers. The school year 2013-2014 brought me lots of challenges as a full time teacher and also with regards to the new task that I was assigned to. However‚ I always try to be more optimistic and see the good in every situation for I know that whatever challenges come my way‚ there’s always a reason behind it. And
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computer networks developing and maintaining databases and last that we know is helping people to use computers and other technology effectively. This list of duties simply shows a broad range of technology in this world. It plays a very wide role in this world. This includes every unit and hardware of a computer up to the smallest existing software. Even web communication‚ internet‚ antivirus protections‚ and everything that relates with technology‚ either hardware or software. Knowing
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and hardworking. The teacher‚ the child’s window to learning and knowledge‚ has to play the role model in generating creativity in the child. This triangle is indeed the real role model I can think of. I would even go to the extent of saying that if parents and teachers show the required dedication to shape the lives of the young‚ India would get a new life. As it is said: Behind the parents stands the school‚ and behind the teacher the home. A proper education would help nurture a sense of dignity
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Is it that only adults can play the role of a hero at the time of a crisis? In every situation the answer is not the same. Hats off to the students who used their presence of minds when its needed most- during a crisis. Well‚ it was an unforgettable day for the entire school when a class seven student met with an accident in the school. The twelve year old boy couldn’t make out what had happened to him when he touched the switch on board to switch off the fan. When he opened his eyes‚ he found himself
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Is Shakespeare Relevant or not Relevant that is the Question? The works of William Shakespeare are world renowned and thought to high school students around the globe. William Shakespeare was a 16 century poet and play write; because of this many people argue that his works are not relevant in today’s modern society. Elements such as‚ young loves at the ages of 13 are used in his plays. These themes were realistic in the context of the time but are much unknown in today’s society. I believe that
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Regulatory and Conceptual Framework I am going to analyse and evaluate the conceptual and regulatory framework of financial reporting. In order to do this I will look at the objective of financial statements‚ identify the users of financial statements‚ explain the conceptual framework for financial reporting‚ look at the regulatory framework for financial accounting and finally look at the three ways of achieving accounting comparability. According to IAS Plus website‚ 2011‚ the objective of financial
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