What is financial exclusion - European Commission
... Table 4 Levels of financial exclusion in individual EU 25 countries............................... 20 Table 5 Levels of financial exclusion in individual EU countries.................................... 22 Table 6 Levels of revolving credit and savings exclusion...................................... ...
... Table 4 Levels of financial exclusion in individual EU 25 countries............................... 20 Table 5 Levels of financial exclusion in individual EU countries.................................... 22 Table 6 Levels of revolving credit and savings exclusion...................................... ...
Q1 2017 Investor Presentation
... 3 Represents a non-GAAP financial measure. For important presentation information, see slide 27. 4 Regulatory capital ratios as of March 31, 2017 are preliminary. Common equity tier 1 (CET1) capital, risk-weighted assets (RWA) and CET1 ratio as shown on a fully phased-in basis are non-GAAP financial ...
... 3 Represents a non-GAAP financial measure. For important presentation information, see slide 27. 4 Regulatory capital ratios as of March 31, 2017 are preliminary. Common equity tier 1 (CET1) capital, risk-weighted assets (RWA) and CET1 ratio as shown on a fully phased-in basis are non-GAAP financial ...
Title of presentation
... 1.9x the average losses • Consistently positive returns: No year with negative returns in 20 years (max available data) Similarly for UK: ...
... 1.9x the average losses • Consistently positive returns: No year with negative returns in 20 years (max available data) Similarly for UK: ...
Rural Finance in Nigeria
... Successful interventions have typically been correlated with strong M&E. In terms of the more negative legacies, perhaps the most important ones are the culture of nonrepayment among some borrowers that has been fostered by poor repayment methodologies and subsidized interest rates, charged as part ...
... Successful interventions have typically been correlated with strong M&E. In terms of the more negative legacies, perhaps the most important ones are the culture of nonrepayment among some borrowers that has been fostered by poor repayment methodologies and subsidized interest rates, charged as part ...
The Liquidity Premium of Near-Money Assets
... and policy issues related to liquidity premia. First, analyses whether there could be a “shortage” of near-money assets—e.g., due to margin requirements for derivatives transactions or other regulatory reasons (Committee on the Global Financial System 2013)—are incomplete without also taking into ac ...
... and policy issues related to liquidity premia. First, analyses whether there could be a “shortage” of near-money assets—e.g., due to margin requirements for derivatives transactions or other regulatory reasons (Committee on the Global Financial System 2013)—are incomplete without also taking into ac ...
NORTHEAST BANCORP /ME/ (Form: 10
... This report contains certain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended, such as statements relating to the financial condition, prospective results of operations, future ...
... This report contains certain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended, such as statements relating to the financial condition, prospective results of operations, future ...
Accounting I Lesson Plan - Terry Wilhelmi`s Home Page
... and are considered to be part of the owner’s equity taken out of a business. Therefore, withdrawals decrease owner’s equity. * Withdrawals could be recorded as decreases directly in the owner’s capital account, however, common accounting practice is to record withdrawals in a separate account to pro ...
... and are considered to be part of the owner’s equity taken out of a business. Therefore, withdrawals decrease owner’s equity. * Withdrawals could be recorded as decreases directly in the owner’s capital account, however, common accounting practice is to record withdrawals in a separate account to pro ...
Why does fast loan growth predict poor performance for banks?
... poorer performance, and that these banks fail to set aside enough reserves for these loans, which is consistent with the hypothesis that they underappreciate the risk of these loans. A bank can grow quickly by underpricing its loans. As a result, it will face a large loan demand and its lending will ...
... poorer performance, and that these banks fail to set aside enough reserves for these loans, which is consistent with the hypothesis that they underappreciate the risk of these loans. A bank can grow quickly by underpricing its loans. As a result, it will face a large loan demand and its lending will ...
Deutsche Bundesbank - Annual Report
... coming into sharper focus, now that the participating countries have been selected. Following the publication of the Convergence Reports of the EU Commission and the European Monetary Institute (EMI), the European Council, meeting in the composition of the Heads of State or Government and acting on ...
... coming into sharper focus, now that the participating countries have been selected. Following the publication of the Convergence Reports of the EU Commission and the European Monetary Institute (EMI), the European Council, meeting in the composition of the Heads of State or Government and acting on ...
Technical Note on Stress Testing for IIFS
... and impact of the investment account holders (IAHs). The asset side of the balance sheet of IIFS also varies from that of the conventional banks in a number of ways, which in turn has a direct impact on how the stress testing must be conducted in IIFS. ...
... and impact of the investment account holders (IAHs). The asset side of the balance sheet of IIFS also varies from that of the conventional banks in a number of ways, which in turn has a direct impact on how the stress testing must be conducted in IIFS. ...
Systemic Financial-Service Institutions and Monopoly Power
... eliminate these institutions. Specifically, the recently passed regulatory reform will possibly mitigate some of the negative effects of systemic financialservice institutions if problems are caught in time. However, the regulation fails to eliminate risks that may circumvent the preventative measur ...
... eliminate these institutions. Specifically, the recently passed regulatory reform will possibly mitigate some of the negative effects of systemic financialservice institutions if problems are caught in time. However, the regulation fails to eliminate risks that may circumvent the preventative measur ...
Macroeconomic stress testing of a corporate credit portfolio Magister Scientiae By
... to risk factors to determine portfolio impacts at a very high level, or Bottom-Up approaches where modelling is based on some quantitative model which uses external factors as inputs to stress the risk parameters of underlying portfolios. The latter is usually the preferred method by different regul ...
... to risk factors to determine portfolio impacts at a very high level, or Bottom-Up approaches where modelling is based on some quantitative model which uses external factors as inputs to stress the risk parameters of underlying portfolios. The latter is usually the preferred method by different regul ...
and Minimum Liquid Assets (“MLA”) Requirements for Merchant Banks
... For the avoidance of doubt, where an issue of such debt securities or sukuk is partially redeemed such that the outstanding issue size falls below SGD200m, those debt securities or sukuk would no longer be approved as liquid assets. ...
... For the avoidance of doubt, where an issue of such debt securities or sukuk is partially redeemed such that the outstanding issue size falls below SGD200m, those debt securities or sukuk would no longer be approved as liquid assets. ...
Non-Performing Loans in CESEE
... of the study evaluates the feedback effects from the banking sector to the real economy through a panel vector auto-regression (VAR) analysis, which includes five endogenous variables (NPLs, real GDP growth, unemployment rate, the change in credit-to-GDP ratio and inflation) in order to assess how t ...
... of the study evaluates the feedback effects from the banking sector to the real economy through a panel vector auto-regression (VAR) analysis, which includes five endogenous variables (NPLs, real GDP growth, unemployment rate, the change in credit-to-GDP ratio and inflation) in order to assess how t ...
2014 results - Lloyds Banking Group
... their nature, forward looking statements involve risk and uncertainty because they relate to events and depend upon circumstances that will or may occur in the future. Factors that could cause actual business, strategy, plans and/or results to differ materially from the plans, objectives, expectatio ...
... their nature, forward looking statements involve risk and uncertainty because they relate to events and depend upon circumstances that will or may occur in the future. Factors that could cause actual business, strategy, plans and/or results to differ materially from the plans, objectives, expectatio ...
Financial Innovation: The Bright and the Dark Sides
... with smaller market shares, lower loan-asset ratios and higher growth rates. This suggests that smaller banks, banks that diversify away from traditional intermediation and faster growing banks are relatively more fragile in countries with higher levels of financial innovation. We also find that fin ...
... with smaller market shares, lower loan-asset ratios and higher growth rates. This suggests that smaller banks, banks that diversify away from traditional intermediation and faster growing banks are relatively more fragile in countries with higher levels of financial innovation. We also find that fin ...
Outside Liquidity, Rollover Risk, and Government Bonds
... This paper discusses whether financial intermediaries can optimally provide liquidity, or whether the government has a role in creating liquidity by supplying government securities. We discuss a model in which intermediaries optimally manage liquidity with outside rather than inside liquidity: inste ...
... This paper discusses whether financial intermediaries can optimally provide liquidity, or whether the government has a role in creating liquidity by supplying government securities. We discuss a model in which intermediaries optimally manage liquidity with outside rather than inside liquidity: inste ...
supplementary regulatory capital disclosure
... transitional period will continue to be subject to Basel II treatment. In addition, non-qualifying capital instruments will be phased-out over 10 years and the capital conservation buffer will be phased in over 4 years. As of January 2019, the banks will be required to meet new minimum requirements ...
... transitional period will continue to be subject to Basel II treatment. In addition, non-qualifying capital instruments will be phased-out over 10 years and the capital conservation buffer will be phased in over 4 years. As of January 2019, the banks will be required to meet new minimum requirements ...
BIS 85th Annual Report - June 2015
... Fiscal positions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Early warning indicators of domestic banking crisis . . . . . . . . . . . . . . . . . . . . . . . . . . Annual changes in foreign exchange reserves . . . . . . . . . ...
... Fiscal positions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Early warning indicators of domestic banking crisis . . . . . . . . . . . . . . . . . . . . . . . . . . Annual changes in foreign exchange reserves . . . . . . . . . ...
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... 2. When a customer executes a draw down on a bank line of credit, that portion of the off balance sheet loan commitment becomes an on balance sheet asset. Answer: True Page: 573 Level: Medium ...
... 2. When a customer executes a draw down on a bank line of credit, that portion of the off balance sheet loan commitment becomes an on balance sheet asset. Answer: True Page: 573 Level: Medium ...
annual report
... strategy oriented towards quality; and short-term funds were only placed with highly reputable counterparties, while the bond portfolio continued to exclude paper issued by nonMaltese sovereign or corporate entities. At the same time, further efforts were made to diversify revenue sources, mainly th ...
... strategy oriented towards quality; and short-term funds were only placed with highly reputable counterparties, while the bond portfolio continued to exclude paper issued by nonMaltese sovereign or corporate entities. At the same time, further efforts were made to diversify revenue sources, mainly th ...
the bank of me and My kind of Savings for my kind of energy
... determine the level of risk that is commensurate with the potential return that may be achieved. Structured deposits offer a solution to this by enabling investors to manage their risk exposure for a given level of potential return. The opportunity cost is the risk free rate of return that would oth ...
... determine the level of risk that is commensurate with the potential return that may be achieved. Structured deposits offer a solution to this by enabling investors to manage their risk exposure for a given level of potential return. The opportunity cost is the risk free rate of return that would oth ...
Success of the 2014-2016 Business Development Plan
... events. It should be recalled in this regard that the Supervisory Review and Evaluation Process is carried out each year by the European Central Bank, which can modify each year its capital adequacy ratio requirements for BNP Paribas. The information contained in this presentation as it relates to p ...
... events. It should be recalled in this regard that the Supervisory Review and Evaluation Process is carried out each year by the European Central Bank, which can modify each year its capital adequacy ratio requirements for BNP Paribas. The information contained in this presentation as it relates to p ...
1 How was the Quantitative Easing Program of the 1930s Unwound
... holding the gold would then sell the gold to the Federal Reserve Bank of New York on behalf of the Treasury in exchange for credit to banks’ reserve accounts. These funds could be used to purchase securities or make loans or remain at the Fed as excess reserves. Through this process, monetary gold i ...
... holding the gold would then sell the gold to the Federal Reserve Bank of New York on behalf of the Treasury in exchange for credit to banks’ reserve accounts. These funds could be used to purchase securities or make loans or remain at the Fed as excess reserves. Through this process, monetary gold i ...
Getting the resources you need
... UAE SMEs Access to Finance • Access to finance remains a key constraint • Private equity and venture capital are not mature options for SME finance • 77% of Dubai SME’s have no access to bank lending ...
... UAE SMEs Access to Finance • Access to finance remains a key constraint • Private equity and venture capital are not mature options for SME finance • 77% of Dubai SME’s have no access to bank lending ...
Bank
A bank is a financial intermediary that creates credit by lending money to a borrower, thereby creating a corresponding deposit on the bank's balance sheet. Lending activities can be performed either directly or indirectly through capital markets. Due to their importance in the financial system and influence on national economies, banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, known as the Basel Accords.Banking in its modern sense evolved in the 14th century in the rich cities of Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had their roots in the ancient world. In the history of banking, a number of banking dynasties — notably, the Medicis, the Fuggers, the Welsers, the Berenbergs and the Rothschilds — have played a central role over many centuries. The oldest existing retail bank is Monte dei Paschi di Siena, while the oldest existing merchant bank is Berenberg Bank.