Regulation 2 MaRisk | Comprehensive Framework What Does MaRisk Mean? Is the acronym for “Mindestanforderungen An Das Risikomanagement”‚ meaning Minimum Requirements for Risk Management MaRisk development was triggered by: Basel Committee on Banking supervision’s new framework for the capital adequacy of banks (generally referred to as “Basel II”) Institutions must establish: Appropriate management‚ monitoring and control process; Strategies and process that ensure that all material risks
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Intrest earning checkable deposits are included because they can be converted quickly into paper money. Intrest earning savings accounts and treasury bills may have a time limit and are not so easily converted. 2. Why are banks able to maintain reserves that are only a fraction of the demand and savings deposits of their customers? Is your money safe in a bank? Why or why not? Because unlike checking accounts‚ savings accounts are not as easily accessable. The money typicaly stays in the savings
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Descriptive type: Duration 45 Minutes Attempt any two Essays: Model Descriptive questions: 1) Application of information technology in Banking Industry. 2) Brief about the role of Banking Industry in socio economic development of our country 3) What is Inflation? – Elucidate the causes & consequences of inflation. 4) How will you bring the rural people to the Banking system? 5) What is Global Warming? What is
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from a balanced budget position to a budget surplus. 3. Suppose that the T-account for The Open Campus National Bank (OCNB) is as follows: Assets Reserves $100‚000 Loans 400‚000 (a) If the central bank requires to hold 5% of deposits as reserves‚ how much in excess reserves does ONCB now hold? (b) If ONCB decides to reduce its reserves to only the required amount‚ by how much would the economy’s money supply change? 4. (a) Explain the adjustment process that creates a change in the
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CONTROLS Quantitative controls are used to expand or contract the total quantity (overall size) of credit. These controls are of the following kinds: 1. Bank rate policy 2. Open market operations . 3. Variable reserve ratios 4. Liquidity ratio 5. Credit rationing These are explained as under. i. Bank Rate (or Discount Rate) Policy Bank rate is the rate at which central bank rediscounts bill of exchange or provides credit to commercial banks. For
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of money will reduce the rate of inflation is a positive statement. Economists have found that money growth and inflation are very closely related. The statement tells how the world is‚ and so it is a positive statement. c The statement that the Reserve Bank should reduce the rate of growth of money is a normative statement. It states
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other words‚ they are intermediate between lender and receiver of fund they mobilize the depositor fund. Whereas in Nepal the role of joint venture banks are still to be realized as an essentials machine of mobilizing internal saving through various banking schemes in the economy. Hence‚ to uplift the backward economic condition of the country‚ the process of capital accumulation‚ among other prerequisites should be expedited. This project report has been prepared as an output of the researcher’s
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to overcome recession and control inflation. It may be defined as a deliberate change in government revenue and expenditure to influence the level of national output and prices. INSTRUMENTS OF MONETARY POLICY 1. Bank Rate of Interest 2. Cash Reserve Ratio 3. Statutory Liquidity Ratio 4. Open market Operations 5. Margin Requirements 6. Deficit Financing 7. Issue of New Currency 8. Credit Control Bank Rate of Interest It is the interest rate which is fixed by the RBI to control the lending
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Chapter-05:TDR Practices Of LBFL 5. TDR PRACTICES OF LBFL 5.1 Extent & Restrictions: It is applied to all the branches of LankaBangla Finance Limited in Bangladesh. Extension of TDR facilities are subject to deposit policy of the non-banking organization. As non-banking organization respect and maintain some rules‚ regulations and policies of Bangladesh Bank in a word government given all policies. 5.2 Treasury Department & its Function: The TDR department is assisted by the Finance Department
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• CASE OVERVIEW 1964- Banco Filipino was established. 1969- Banco Filipino starts giving customers the ability to deposit in any online BF branch‚ making it the first bank to process online transactions in real-time. 1970- Banco Filipino started expanding into the countryside with its first provincial branch opening in Naga City. 1972- The bank’s customer base grew to one million customers‚ even in the midst of martial law. 1975- It was voted as the most preferred bank in Metro Manila
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