Global Financial Crises Impact on Macedonian Economy
... banks, insurance companies and stock exchange. The share of bank assets is 90% of the total assets, • Macedonian banks are well capitalized – Capital adequacy ratio 15% as of end 2008 (Basel II standards minimum 8%), – Only 2.8% of total liabilities account for liabilities on the basis of borrowings ...
... banks, insurance companies and stock exchange. The share of bank assets is 90% of the total assets, • Macedonian banks are well capitalized – Capital adequacy ratio 15% as of end 2008 (Basel II standards minimum 8%), – Only 2.8% of total liabilities account for liabilities on the basis of borrowings ...
The role of banks in the economy - improving the... the New Zealand banking system after the global financial crisis
... without recourse to the sort of exotic financial innovation witnessed elsewhere. As prudential supervisor of the banks we certainly witnessed some decline in lending standards over this time, and what we considered misplaced exuberance around lending to some sectors, particularly later in the cycle. ...
... without recourse to the sort of exotic financial innovation witnessed elsewhere. As prudential supervisor of the banks we certainly witnessed some decline in lending standards over this time, and what we considered misplaced exuberance around lending to some sectors, particularly later in the cycle. ...
the reflection of the company`s profitability and liquidity in the
... From this point of view, the diagnosis takes into consideration, particularly, the treasury surplus resulted from the operation. So, the notion of treasury varies, depending on the circumstances and the point of view from which is addressed. The account measures of the treasury correspond to particu ...
... From this point of view, the diagnosis takes into consideration, particularly, the treasury surplus resulted from the operation. So, the notion of treasury varies, depending on the circumstances and the point of view from which is addressed. The account measures of the treasury correspond to particu ...
Summary and conclusions - EESC European Economic and Social
... growth of financial capitalism, based on scarcely-regulated financial products. According to the McKinsey Global Institute, world financial assets amounted to 195 trillion dollars in 2007, representing three and half times world GDP whereas, in 1980, the figures for the two were similar. Financial g ...
... growth of financial capitalism, based on scarcely-regulated financial products. According to the McKinsey Global Institute, world financial assets amounted to 195 trillion dollars in 2007, representing three and half times world GDP whereas, in 1980, the figures for the two were similar. Financial g ...
2016-lecture-15
... to borrow 105,000 then they need 150,000 of collateral. (also called security) . Commitment and personal guarantees are important. Conditions Trends and volatility of the borrower’s industry Capacity Ability of borrower to generate loan payments on a consistent basis. Consider how each of these are ...
... to borrow 105,000 then they need 150,000 of collateral. (also called security) . Commitment and personal guarantees are important. Conditions Trends and volatility of the borrower’s industry Capacity Ability of borrower to generate loan payments on a consistent basis. Consider how each of these are ...
Key messages
... Trade channel (openness has increased) Remittances (World Bank estimates decline of 58 percent in 2009) FDI inflows (tripled in past 5 years: could drop this year by at least 20 percent) Aid flows (possibly) ...
... Trade channel (openness has increased) Remittances (World Bank estimates decline of 58 percent in 2009) FDI inflows (tripled in past 5 years: could drop this year by at least 20 percent) Aid flows (possibly) ...
TIAA-CREF Congress Economic Stabilization Package 10-7
... purchase program from those institutions that benefited from the program. This could take the form of some sort of tax or fee on the financial industry as a whole. ...
... purchase program from those institutions that benefited from the program. This could take the form of some sort of tax or fee on the financial industry as a whole. ...
IFRS 9 Financial Instruments
... (time to maturity), where shorter durations have less risk, and are associated with shorter term obligations. Bonds are issued by public authorities, credit institutions, companies and supranational institutions (such as World Bank) in the primary markets. The most common process of issuing bonds is ...
... (time to maturity), where shorter durations have less risk, and are associated with shorter term obligations. Bonds are issued by public authorities, credit institutions, companies and supranational institutions (such as World Bank) in the primary markets. The most common process of issuing bonds is ...
the determinants of banking system vulnerability
... Whether diversification in banking activities leads to financial stability or increase the vulnerability is a question addressed in many research studies (Stiroh, 2006, Baele, De Jonghe and Vander Vennet, 2007, Laeven and Levine, 2007, Schmid and Walter, 2009). Various financial innovations were con ...
... Whether diversification in banking activities leads to financial stability or increase the vulnerability is a question addressed in many research studies (Stiroh, 2006, Baele, De Jonghe and Vander Vennet, 2007, Laeven and Levine, 2007, Schmid and Walter, 2009). Various financial innovations were con ...
Sample Exercises Chapter 11
... 2) Rich Co. issues $2 million, 10-year, 8% bonds at 97, with interest payable on July 1 and January 1. a) Prepare the journal entry to record the sale of these bonds on January 1, 2008. b) Assuming instead that the above bonds sold for 104, prepare the journal entry to record the sale of these bonds ...
... 2) Rich Co. issues $2 million, 10-year, 8% bonds at 97, with interest payable on July 1 and January 1. a) Prepare the journal entry to record the sale of these bonds on January 1, 2008. b) Assuming instead that the above bonds sold for 104, prepare the journal entry to record the sale of these bonds ...
Jun 2010 - Maestro Investment Management
... 09) was 3.2%. The growth came from external demand and the replenishment in inventories rather than from rising domestic demand, which remains relatively flat – it only grew at 2.7%. The relatively weak state of domestic demand underscores our view that inflation is likely to remain muted for some t ...
... 09) was 3.2%. The growth came from external demand and the replenishment in inventories rather than from rising domestic demand, which remains relatively flat – it only grew at 2.7%. The relatively weak state of domestic demand underscores our view that inflation is likely to remain muted for some t ...
Misdirected and ineffective: Regional financial cooperation in Asia
... Some features of the crisis period The region as whole characterised by savings surpluses, though there were individual countries that recorded savings deficits. The savings surpluses were being invested in dollar denominated assets, and deficit countries were increasingly dependent on capital flow ...
... Some features of the crisis period The region as whole characterised by savings surpluses, though there were individual countries that recorded savings deficits. The savings surpluses were being invested in dollar denominated assets, and deficit countries were increasingly dependent on capital flow ...
model answers and marking scheme
... should invoice in the currencies trading at a premium to its home currency and pay in a currency or currencies that are trading at a discount to its base currency. However, in practice, government and other restrictions may not make this feasible including market-related factors and currency related ...
... should invoice in the currencies trading at a premium to its home currency and pay in a currency or currencies that are trading at a discount to its base currency. However, in practice, government and other restrictions may not make this feasible including market-related factors and currency related ...
faculty of management - University of Calgary
... probability is ½ and the risk free rate is zero, show that the firm will not be able to finance this project either with (junior) debt or with equity. (8 points) The firm is considering a capital restructure that will enable it to take on the project. It is proposing to exchange 2000 bonds at $625 p ...
... probability is ½ and the risk free rate is zero, show that the firm will not be able to finance this project either with (junior) debt or with equity. (8 points) The firm is considering a capital restructure that will enable it to take on the project. It is proposing to exchange 2000 bonds at $625 p ...
Investment
... nominal interest rate. If the price of goods is Pt then giving $1 to the bank is equivalent to saving 1 P goods. t • When you get the money back with interest after 1 year you can buy 1 it goods. Pt 1 ...
... nominal interest rate. If the price of goods is Pt then giving $1 to the bank is equivalent to saving 1 P goods. t • When you get the money back with interest after 1 year you can buy 1 it goods. Pt 1 ...
The Role of Monetary Policy During the Global Financial Crisis: The Turkish Experience
... Note: CR, ATO, NI, NS, ROA, and ROE denote the cash ratio, total asset turnover, net income, net sales, and return on assets and equity, respectively. Leverage is defined as total assets over equity and NI/NS is the net profit margin. Tabulated values denote industry averages. Averages across all se ...
... Note: CR, ATO, NI, NS, ROA, and ROE denote the cash ratio, total asset turnover, net income, net sales, and return on assets and equity, respectively. Leverage is defined as total assets over equity and NI/NS is the net profit margin. Tabulated values denote industry averages. Averages across all se ...
How the Federal Reserve uses Fiscal and Monetary Policy to
... By lowering interest rates, it becomes cheaper to borrow money and less lucrative to save, encouraging individuals and corporations to spend. So, as interest rates are lowered, savings decline, more money is borrowed, and more money is spent. Moreover, as borrowing increases, the total supply of mon ...
... By lowering interest rates, it becomes cheaper to borrow money and less lucrative to save, encouraging individuals and corporations to spend. So, as interest rates are lowered, savings decline, more money is borrowed, and more money is spent. Moreover, as borrowing increases, the total supply of mon ...
Financialization
Financialization is a term sometimes used in discussions of the financial capitalism that has developed over the decades between 1980 and 2010, in which financial leverage tended to override capital (equity), and financial markets tended to dominate over the traditional industrial economy and agricultural economics.Financialization describes an economic system or process that attempts to reduce all value that is exchanged (whether tangible or intangible, future or present promises, etc.) into a financial instrument. The intent of financialization is to be able to reduce any work product or service to an exchangeable financial instrument, like currency, and thus make it easier for people to trade these financial instruments.Workers, through a financial instrument such as a mortgage, may trade their promise of future work or wages for a home. The financialization of risk sharing is what makes possible all insurance. The financialization of a government's promises (e.g., US government bonds) is what makes possible all government deficit spending. Financialization also makes economic rents possible.