...ž¸¸£·¸ú¡¸ ¹£{¸¨¸Ä ¤¸ÿˆÅ ____________RESERVE BANK OF INDIA________________ www.rbi.org.in RBI/2013-14/70 DBOD.No.BP.BC.2 /21.06.201/2013-14 July 1, 2013 All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Madam / Sir, Master Circular – Basel III Capital Regulations Please refer to the Master Circular No.DBOD.BP.BC.16/21.06.001/2012-13 dated July 2, 2012, consolidating therein the prudential guidelines issued to banks till that date on Capital Adequacy and Market Discipline - New Capital Adequacy Framework (NCAF). 2. As you are aware, Basel III Capital Regulations is being implemented in India with effect from April 1, 2013 in a phased manner. Accordingly, instructions contained in the aforesaid Master Circular have been suitably updated / amended by incorporating relevant guidelines, issued up to June 30, 2013 and is being issued as Master Circular on ‘Basel III Capital Regulations’. 3. The Basel II guidelines as contained in the Master Circular DBOD.No.BP.BC.9/21.06.001/2013-14 dated July 1, 2013 on ‘Prudential Guidelines on Capital Adequacy and Market Discipline- New Capital Adequacy Framework (NCAF)’ may, however, be referred to during the Basel III transition period for regulatory adjustments / deductions up to March 31, 2017. Yours faithfully, (Chandan Sinha) Principal Chief General Manager Encl.: As above Department of Banking Operations and Development, Central Office, 12th Floor, Central Office Building, SBS Marg...
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...A Thesis On Performance Evaluation of the Banking Sector in Bangladesh: A Comparative Analysis Supervised by: Mr. Protap Kumar Ghosh Assistant Professor Business Administration Discipline Khulna University Submitted by: Golam Moktadir Student ID: EMBA-100312 Business Administration Discipline Khulna University BUSINESS ADMINISTRATION DISCIPLINE KHULNA UNIVERSITY KHULNA MAY, 2013 TO Mr. Protap Kumar Ghosh Assistant Professor Business Administration Discipline Khulna University Subject: Submission of Internship Report. Dear Sir, I am very pleased to submit you the following Internship report on “Performance Evaluation of the Banking Sector in Bangladesh: A Comparative Analysis” This report has been carried out as a part of my MBA program. I have gladly accepted this topic, because I believe that this experience will help me in my practical life to great extent. I would like to convey my special thanks and gratitude to honor for patronizing my effort. I expect that, my performance will be at standard level and accepted by my best effort. I believe that, this experience will greatly help to face challenges in my real life. Because, this work will help me to increase my experience about the overall performance of a Bank. So, I am extremely grateful to you. Cordially Yours, _________________ Golam Moktadir Student ID: EMBA-100312 Supervised by: _________________ Mr. Protap Kumar Ghosh Assistant Professor Business Administration Discipline Khulna University Acknowledgment I feel...
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...Computing Series Editors: J. Chambers D. Hand W. H¨ rdle a Statistics and Computing Brusco/Stahl: Branch and Bound Applications in Combinatorial Data Analysis Chambers: Software for Data Analysis: Programming with R Dalgaard: Introductory Statistics with R, 2nd ed. Gentle: Elements of Computational Statistics Gentle: Numerical Linear Algebra for Applications in Statistics Gentle: Random Number Generation and Monte Carlo Methods, 2nd ed. H¨ rdle/Klinke/Turlach: XploRe: An Interactive Statistical a Computing Environment H¨ rmann/Leydold/Derflinger: Automatic Nonuniform Random o Variate Generation Krause/Olson: The Basics of S-PLUS, 4th ed. Lange: Numerical Analysis for Statisticians Lemmon/Schafer: Developing Statistical Software in Fortran 95 Loader: Local Regression and Likelihood Marasinghe/Kennedy: SAS for Data Analysis: Intermediate Statistical Methods ´ Ruanaidh/Fitzgerald: Numerical Bayesian Methods Applied to O Signal Processing Pannatier: VARIOWIN: Software for Spatial Data Analysis in 2D Pinheiro/Bates: Mixed-Effects Models in S and S-PLUS Unwin/Theus/Hofmann: Graphics of Large Datasets: Visualizing a Million Venables/Ripley: Modern Applied Statistics with S, 4th ed. Venables/Ripley: S Programming Wilkinson: The Grammar of Graphics, 2nd ed. Peter Dalgaard Introductory Statistics with R Second Edition 123 Peter Dalgaard Department of Biostatistics University of Copenhagen Denmark p.dalgaard@biostat.ku.dk ISSN: 1431-8784 ISBN: 978-0-387-79053-4 DOI: 10.1007/978-0-387-79054-1...
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...25.4 mm 929.03 10 4 m2 929.03 cm2 929.03 102 mm2 6.452 10 4 m2 6.452 cm2 645.16 mm2 28.317 10 3 m3 28.317 103 cm3 16.387 10 6 m3 16.387 cm3 0.16387 0.16387 10 mm 10 4 m3 5 3 Coefficient of consolidation: Force: 1 in.2/sec 1 in.2/sec 1 ft2/sec 1 lb 1 lb 1 lb 1 kip 1 U.S. ton 1 lb 1 lb/ft 1 lb/ft2 1 lb/ft2 1 U.S. ton/ft2 1 kip/ft2 1 lb/in.2 1 lb/ft3 1 lb/in.3 1 lb-ft 1 lb-in. 1 ft-lb 1 in.4 1 in.4 6.452 cm2/sec 20.346 103 m2/yr 929.03 cm2/sec 4.448 N 4.448 10 3 kN 0.4536 kgf 4.448 kN 8.896 kN 0.4536 10 3 metric ton 14.593 N/m 47.88 N/m2 0.04788 kN/m2 95.76 kN/m2 47.88 kN/m2 6.895 kN/m2 0.1572 kN/m3 271.43 kN/m3 1.3558 N · m 0.11298 N · m 1.3558 J 0.4162 0.4162 106 mm4 10 6 m4 Area: Stress: Volume: Unit weight: Moment: Energy: Moment of inertia: Section modulus: Hydraulic conductivity: 0.3048 m/min 30.48 cm/min 304.8 mm/min 0.3048 m/sec 304.8 mm/sec 0.0254 m/min 2.54 cm/sec 25.4 mm/sec CONVERSION FACTORS FROM SI TO ENGLISH UNITS Length: 1m 1 cm 1 mm 1m 1 cm 1 mm 1m 1 cm2 1 mm2 1 m2 1 cm2 1 mm2 1m 1 cm3 1 m3 1 cm3 1N 1 kN 1 kgf 1 kN 1 kN 1 metric ton 1 N/m 3 2 3.281 ft 3.281 10 3.281 10 39.37 in. 0.3937 in. 0.03937 in. 2 Stress: 2 3 ft ft 1 N/m2 1 kN/m2 1 kN/m2 1 kN/m2 1 kN/m2 1 kN/m3 1 kN/m3 1N·m 1N·m 1J 1 mm 1 m4 4 20.885 10 3 lb/ft2 20.885 lb/ft2 0.01044 U.S. ton/ft2 20.885 10 3 kip/ft2 0.145 lb/in.2 6.361 lb/ft3 0.003682 lb/in.3 0.7375 lb-ft 8.851 lb-in. 0.7375 ft-lb 2.402 2.402 6.102 6.102 10 6 in.4 106 in.4 10 5 in.3 104 in.3 ...
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...EVOLUTION OF EXCHANGE RATE REGIME: IMPACT ON MACRO ECONOMY OF BANGLADESH by Liza Fahmida A project submitted in partial fulfillment of the requirements for the degree of Professional Master in Banking and Finance Examination Committee: Dr. Sundar Venkatesh (Chairperson) Dr. Juthathip Jongwanich Dr. Yuosre Badir Nationality: Bangladeshi Previous Degree: Master in Finance and Banking University of Dhaka Bangladesh Scholarship Donor: Bangladesh Bank Asian Institute of Technology School of Management Thailand May 2012 i ACKNOWLEDGEMENT The dissertation paper entitled “Evolution Of Exchange Rate Regime: Impact On Macro Economy Of Bangladesh” has been prepared for the partial fulfillment of Professional master in Banking and Finance (PMBF) program conducted by School of Management, AIT, Thailand. I would like to offer my wholehearted gratitude and respect to a good number of people who offered encouragement, data and information, inspiration and assistance during the course of constructing this dissertation paper. It would be difficult to prepare the paper and to present it in a lucid manner within stipulated time without the help of my guide teacher Dr. Sundar Venkatesh, Adjunct Faculty, School of Management, Asian Institute of Technology, Thailand. His utmost care, constant support and meticulous supervision guided me through the process. I am indebted to Begum Sultana Razia, General Manager, Monetary Policy Department, Bangladesh Bank, whose sincere co-operation...
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...Credit Risk Management Of AB Bank Limited 25. May, 2013 view with charts and images Executive Summary The ongoing development of contemporary management methods and the increased use of innovative financial products such as securitization and credit derivatives have brought about substantial changes in the business environment faced by credit institutions today. Especially in the field of lending, these changes and innovations are now forcing banks to adapt their in-house software systems and the relevant business processes to meet these new requirements. Credit Risk Management is intended to assist practitioners in redesigning a bank’s systems and processes in the course of implementing the Basel II framework. Throughout last five years securitization, rating and validation, credit approval processes and management, as well as credit risk mitigation techniques. Credit management is based on developments in the banking sectors is meant to provide readers with best practices AB bank would be well advised to implement regardless of the emergence of new regulatory capital requirements. AB Bank is to develop mutual understanding between regulatory authorities and banks with regard to the upcoming changes in banking. Credit risk Management provides interesting reading as well as a basis for efficient discussions of the current changes in AB Bank. The bank has been successful in holding its position as a progressive and dynamic financial institution in the country for a long...
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...Executive Summary: This is the internship report based on the three months long internship program that I had experienced in the Head Office of BRAC Bank Ltd. From May 18, 2008 to August 17, 2008 as a requirement of my BBA program under Department of School of Business, North South University. This report is divided into two broad parts: one is the organization part and another is the project part. In the organization part, I introduced the Latest and one of the largest banks of our country— the BRAC Bank Ltd. On the other hand, in the project part, I focused on the findings, graphs and analysis of the research. The topic of my report was “Premium Banking Service to the customers”. My focus of the report will be basically on the functions of Premium Banking only. The specific objective of this study was to explore the relationship between client satisfactions and the degree of consumer service delivery, the degree of CSD in context of the BRAC Bank Ltd. While discussing the different aspects and functions of the bank, priority has been given to depict the real situation as far as appraisal and management system of BRAC Bank Ltd. are concerned by employing the experience gathered during the internship program. Analysis on the findings is basically done to sort out the major aspects of the General banking system and to draw some significant inferences. At the same time for easier understanding of the report, supporting topics and terms are explained in light of textbooks and regulatory...
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...concepts on the test that are not explicitly presented in this review. Also, if any topics in this review seem especially unfamiliar or are covered too briefly, we encourage you to consult appropriate mathematics texts for a more detailed treatment. Copyright © 2012 by Educational Testing Service. All rights reserved. ETS, the ETS logo, LISTENING. LEARNING. LEADING. and GRE are registered trademarks of Educational Testing Service (ETS). Table of Contents ARITHMETIC .............................................................................................................................. 1 1.1 Integers.................................................................................................................................. 1 1.2 Fractions ................................................................................................................................ 3 1.3 Exponents and Roots............................................................................................................. 5 1.4 Decimals ............................................................................................................................... 6 1.5 Real...
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...RESEARCH TECHNIQUES CLASSIFICATION Uni-bi variant techniques • Uni-variant analysis – Frequency Tables (qualitative) – Descriptive Statistics (quantitative) – Summary Tables • Bi-variant analysis – Contingency Tables – Correlation analysis – Variance analysis Research Techniques II 2 Multivariant analysis techniques DESCRIPTIVE TECHNIQUES Factor Analysis Correspondence Factor analysis Cluster Analysis Output Association / Reducing dimensions Typology EXPLANATORY TECHNIQUES Varian Analysis Regression Analysis Discriminant Analysis CHAID AID Conjoint Analysis Multidimensional Analysis Research Techniques II Output Experiment results Prediction / Classification Segmentation Ideal Product Image / Positioning 3 VARIANCE ANALYSIS ONE FACTOR A random design is that where random simples are selected for each treatment. Yij = µi + εij where Yij: it is the answer of observation j who has received the treatment i µi: it is the mean of the treatment i, and εij: it is a specific random part for each observation Hypotheses: H0 : µ1 = µ2 = . . . = µp Ha: At least two treatments have different means. Assumptions: 1. The probability distributions of the p populations follow a normal distribution. 2. The variances of the p populations are equal. 3. Samples are selected randomly and independently from the populations. This model could be also expressed as the following: Yij = µ + τi + εij Where µ: it is the general mean, and τi: it is the differential effect of the treatment i. H 0 : τ...
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...Ref:EMEA/501324/2008 ASSESSMENT REPORT FOR FILGRASTIM RATIOPHARM International Nonproprietary Name: filgrastim Procedure No. EMEA/H/C/824 Assessment Report as adopted by the CHMP with all information of a commercially confidential nature deleted. 7 Westferry Circus, Canary Wharf, London E14 4HB, UK Tel. (44-20) 74 18 84 00 Fax (44-20) 74 18 84 16 E-mail: mail@emea.europa.eu http://www.emea.europa.eu © European Medicines Agency, 2008. Reproduction is authorised provided the source is acknowledged. TABLE OF CONTENTS 1 BACKGROUND INFORMATION ON THE PROCEDURE................................................... 3 1.1 Submission of the dossier ...................................................................................................... 3 1.2 Steps taken for the assessment of the product........................................................................ 3 2 SCIENTIFIC DISCUSSION......................................................................................................... 5 2.1 Introduction............................................................................................................................ 5 2.2 Quality aspects ....................................................................................................................... 5 2.3 Non-clinical aspects ............................................................................................................... 9 2.4 Clinical aspects .......................................................
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...PHYSIC AL CONSTANTS CONSTANT Speed of light Elementary charge Electron mass Proton mass Gravitational constant Permeability constant Permittivity constant Boltzmann’s constant Universal gas constant Stefan–Boltzmann constant Planck’s constant Avogadro’s number Bohr radius SYMBOL c e me mp G m0 P0 k R s h 15 2p"2 NA a0 THREE-FIGURE VALUE 3.003108 m/s 1.60310219 C 9.11310231 kg 1.67310227 kg 6.67310211 N # m2/kg 2 1.2631026 N/A2 1H/m2 8.85310212 C 2/N # m2 1F/m2 1.38310223 J/K 8.31 J/K # mol 5.6731028 W/m2 # K4 6.63310234 J # s 6.0231023 mol21 5.29310211 m BEST KNOWN VALUE* 299 792 458 m/s (exact) 1.602 176 4871402 310219 C 9.109 382 151452 310231 kg 1.672 621 6371832 310227 kg 6.674 281672 310211 N # m2/kg 2 4p31027 (exact) 1/m0c2 (exact) 1.380 65041242 310223 J/K 8.314 4721152 J/K # mol 5.670 4001402 31028 W/m2 # K4 6.626 068 961332 310234 J # s 6.022 141 791302 31023 mol21 5.291 772 08591362 310211 m *Parentheses indicate uncertainties in last decimal places. Source: U.S. National Institute of Standards and Technology, 2007 values SI PREFIXES POWER 1024 1021 1018 1015 1012 109 106 103 102 101 100 1021 1022 1023 1026 1029 10212 10215 10218 10221 10224 THE GREEK ALPHABET PREFIX yotta zetta exa peta tera giga mega kilo hecto deca — deci centi milli micro nano pico femto atto zepto yocto SYMBOL Y Z E P T G M k h da — d c m μ n p f a z y Alpha ...
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...1 Nurture & Realize Your Potentials NATIONAL ECONOMICS UNIVERSITY INTERNATIONAL SCHOOL OF MANAGEMENT AND ECONOMICS RESEARCH PROJECT Microcredit of TYM Fund in Hanoi – Efficiency Assessment and Recommendations for improvement Instructor: (MSc.) Mai Xuan Thuy Research group: 28 Hanoi, June 2012 2 ACKNOWLEDGEMENT We would like to address our deepest gratitude to our supervisor – (Msc.) Mai Xuan Thuy, whose constructive comments and orientation from the initial to final phase has made it possible for our project to be both clearer and deeper in analysis. It is a pleasure to thank Prof. Marek Hudon, who made this research possible to be conducted in the most appropriate way. In fact, all the method of analysis applied in this project came from Prof. Marek‟s support and suggestion. Furthermore, he also gave us many useful and knowledgeable sources of data and information. This project would not have been possible without the sample‟s participation. Thus, we heartily send our regards to 15 users of TYM Hanoi and as well 7 loan officers. Lastly, we would like to acknowledge here the debt we owe to Ms. Pham Thi Thu Trang – International Relation Officer of TYM Hanoi, who helped us a lot about collecting the data of TYM as well as clear up several questions about TYM. 3 CONTENTS ABBREVIATIONS ........................................................................................................................ 4 TABLES AND FIGURES ....................................
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...essential. The report is based on a topic that can satisfy both organization and my academic institution. Internship is the last part of my BBA course. Being a BBA student internship and report submission is essential for me. Without completion of internship and submission of report I cannot be able to complete my BBA course. This report is submitted to my internship supervisor, Shishir K. Rouph, Visiting Faculty, University Of Development Alternative, after completion of the three months internship program in the BASIC Bank Limited ( Bangshal Branch). I have assigned a topic “Credit Operating Procedure of BASIC Bank Ltd.” and the BASIC Bank authority gave me the opportunity to work at the Bangshal Branch for three months on the topic. 1.2 Rationale of the Study In the later 19th century, finance was a part of the Economics. But due to the globalization and more expansion of international trade, Finance plays the major role for the economic development. The development of a modern economy would not have been possible without the use of money. Bank is an important and essential financial institution for the necessity of the use of money and the protection of money. Due to the globalization and technological innovation, banking business has become competitive. To cope up with this, Bankers should have professional knowledge as well as technical basic. As a BBA student Bank is one of the most appropriate fields to gather the experience. As a part of the BBA program, I was...
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...This page intentionally left blank Physical Constants Quantity Electron charge Electron mass Permittivity of free space Permeability of free space Velocity of light Value e = (1.602 177 33 ± 0.000 000 46) × 10−19 C m = (9.109 389 7 ± 0.000 005 4) × 10−31 kg �0 = 8.854 187 817 × 10−12 F/m µ0 = 4π10−7 H/m c = 2.997 924 58 × 108 m/s Dielectric Constant (�r� ) and Loss Tangent (� �� /� � ) Material Air Alcohol, ethyl Aluminum oxide Amber Bakelite Barium titanate Carbon dioxide Ferrite (NiZn) Germanium Glass Ice Mica Neoprene Nylon Paper Plexiglas Polyethylene Polypropylene Polystyrene Porcelain (dry process) Pyranol Pyrex glass Quartz (fused) Rubber Silica or SiO2 (fused) Silicon Snow Sodium chloride Soil (dry) Steatite Styrofoam Teflon Titanium dioxide Water (distilled) Water (sea) Water (dehydrated) Wood (dry) � r �� / � 1.0005 25 8.8 2.7 4.74 1200 1.001 12.4 16 4–7 4.2 5.4 6.6 3.5 3 3.45 2.26 2.25 2.56 6 4.4 4 3.8 2.5–3 3.8 11.8 3.3 5.9 2.8 5.8 1.03 2.1 100 80 1 1.5–4 0.1 0.000 6 0.002 0.022 0.013 0.000 25 0.002 0.05 0.000 6 0.011 0.02 0.008 0.03 0.000 2 0.000 3 0.000 05 0.014 0.000 5 0.000 6 0.000 75 0.002 0.000 75 0.5 0.000 1 0.05 0.003 0.000 1 0.000 3 0.001 5 0.04 4 0 0.01 Conductivity (� ) Material Silver Copper Gold Aluminum Tungsten Zinc Brass Nickel Iron Phosphor bronze Solder Carbon steel German silver Manganin Constantan Germanium Stainless steel , S/m 6.17 × 107 4.10 × 107 3.82 × 107 1.82 × 107 1.67 × 107 1.5 × 107 1.45 × 107 1.03...
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...SUBJECT: BUSINESS STATISTICS COURSE CODE: MC-106 LESSON: 01 AUTHOR: SURINDER KUNDU VETTER: DR. B. S. BODLA AN INTRODUCTION TO BUSINESS STATISTICS OBJECTIVE: The aim of the present lesson is to enable the students to understand the meaning, definition, nature, importance and limitations of statistics. “A knowledge of statistics is like a knowledge of foreign language of algebra; it may prove of use at any time under any circumstance”……………………………………...Bowley. STRUCTURE: 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 1.9 1.10 Introduction Meaning and Definitions of Statistics Types of Data and Data Sources Types of Statistics Scope of Statistics Importance of Statistics in Business Limitations of statistics Summary Self-Test Questions Suggested Readings 1.1 INTRODUCTION For a layman, ‘Statistics’ means numerical information expressed in quantitative terms. This information may relate to objects, subjects, activities, phenomena, or regions of space. As a matter of fact, data have no limits as to their reference, coverage, and scope. At the macro level, these are data on gross national product and shares of agriculture, manufacturing, and services in GDP (Gross Domestic Product). 1 At the micro level, individual firms, howsoever small or large, produce extensive statistics on their operations. The annual reports of companies contain variety of data on sales, production, expenditure, inventories, capital employed, and other activities. These data are often field data...
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