...Introduction Stress tests, in the commercial banking literature, refer to assessing the impact of a rare but plausible shock to the financial system. Stress testing is a simulation technique, which are used to determine the reactions of different financial institutions under a set of exceptional, but plausible assumptions through a series of battery of tests. At institutional level, stress testing techniques provide a way to quantify the impact of changes in a number of risk factors on the assets and liabilities portfolio of the institution. For instance, a portfolio stress test makes a rough estimate of the value of portfolio using a set of exceptional but plausible events in abnormal markets. At institutional level, stress testing techniques provide a way to quantify the impact of changes in a number of risk factors on the assets and liabilities portfolio of the institution. For instance, a portfolio stress test makes a rough estimate of the value of portfolio using a set of exceptional but plausible events in abnormal markets. These tests help in managing risk within a financial institution to ensure optimum allocation of capital across its risk profile. At the system level, stress tests are primarily designed to quantify the impact of possible changes in economic environment on the financial system. The system level stress tests also complement the institutional level stress testing by providing information about the sensitivity of the overall financial system to a number...
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...Md. Mahafujur Rahman ID. NO. 0102123962 Commercial paper In Bangladesh almost all the corporation collect fund from bank as long term or short term loan. But internationally this scenario is pretty much different. There corporation issue bond for long term financing and short term financing is mostly deepened on a instrument called commercial paper. Commercial paper market, popular around the world, is in a very early stage of development in Bangladesh. Eastern Bank Limited is the pioneer of CP in the country; it raised Tk. 500 million for ACI Limited in 2013. Since then, this market is growing very fast in our country with approximate growth of 593.10 per cent in 2015. ACI Limited is so far the largest issuer of commercial paper in the country with approximately 20 per cent market share. The amount of current outstanding CPs is close to Tk. 10,050 million. What is commercial paper? Commercial Paper (CP) is basically a short-term debt security issued by highly rated companies to raise funds for funding operating expenses as well as current assets such as account receivables and inventories. Maturities on CP rarely range any longer than 270 days though it can be up to 365 days. CP is being issued in the form of promissory note in Bangladesh. It is typically issued at discount like Treasury Bills, reflecting prevailing market interest rates. That means, investors...
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...for identifying, analyzing, measuring, communicating and managing these risks. Since models cannot incorporate all possible risk outcomes and are generally not capable of capturing sudden and dramatic changes, banks supplement models with ‘stress tests’. Sensitivity tests are normally used to assess the impact of change in one variable (for example, a high magnitude parallel shift in the yield curve, a significant movement in the foreign exchange rates, a large movement in the equity index etc.) on the bank’s financial position. Scenario tests include simultaneous moves in a number of variables (for example, equity prices, oil prices, foreign exchange rates, interest rates, liquidity etc.) based on a single event experienced in the past (i.e., historical scenario – for example, natural disasters, stock market crash, depletion of a country’s foreign exchange reserves) or a plausible market event that has not yet happened (i.e., hypothetical scenario - for example, collapse of communication systems across the entire region/ country, sudden or prolonged severe economic downturn) and the assessment of their impact on the bank’s financial position. Banks in India are beginning to use statistical models to measure and manage risks. Stress tests are, therefore, relevant for these banks. Further, the supervisory review process under Pillar 2 of Basel II framework is intended not only to ensure that banks have adequate capital to support all the risks in their business, but also...
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...360-Degree Feedback Scenario Name Institution 360-Degree Feedback Scenario 360-degree feedback also known as multi-rater feedback is a performance evaluation test where employees get anonymous feedback from their co-workers. Employees can recognize their strengths and weaknesses though this method of assessment. The paper will look at the mistakes that people make in formulating a 360-degree feedback and appropriate use of the 360-degree performance evaluation test. Scenario 1 For a 360-degree feedback to be effective and efficient as a performance appraisal test, managers should be able to invest time in the development process of the assessment, analysis of data collected (Campion, Campion, & Campion, 2015). In this scenario, the manager makes a mistake of substituting the survey with a 360-degree feedback test. There is no time investment in the assessment. At that first point where the manager rejected the test, that is the ideal time that they were to formulate a better 360-degree performance evaluation test. The results of the tests were invalid because the manager made mistakes that one is not supposed to make the use of Multi-rater performance test. According to Wilson, 2014, committing an error in the process of formulating a 360-degree feedback can lead to inadequate or unclear results. Such mistakes include substituting another method with a 360-degree feedback, case in point, the manager substituted the survey questionnaire for using a 360-degree...
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...Have you ever had to sit at an uncomfortable desk for hours ? I think that students should not have to take standardized tests. we/students take so many tests throughout the year what is even the point in taking a bigger one at the end of the year.Also why does the state, even need to know how smart we are anyway, I mean they try to trick us with the questions anyway. And according to News ELA students spend around 20-25 hours on the test every year and that puts a lot of stress on students. First standardized test puts a lot of stress on students. One way it puts stress on students is that they have to worry about getting penalized for not doing great on test. Also parents and teachers complain about them. Another reason is that testing...
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...Indonesia, Hong Kong, Taiwan, and Japan. PVS Testing Services offers end to end management, execution and analysis of performance tests to identify performance defects and to identify performance tuning opportunities. PVS Testing enables proactive actions to be taken to minimize and to eliminate performance defects from entering production. PVS Testing enables proactive actions to be taken to minimize, and to eliminate performance defects from entering production. Performance testing enables Large US Payer to deliver applications that satisfy customer expectations, hence ROI is obtained is satisfactory. PVS objectives are as follows: OBJECTIVES BENEFITS Interoperability Ensure that multiple applications can share both physical and logical resources without contention within a shared infrastructure environment. Proof of Concept Validate that a change in software design or infrastructure component performs as expected. Scalability Repetitive execution of a test cycle with progressively increasing volumes to verify system thresholds. Iterative Repetitive execution of a test cycle with a fixed volume during software/infrastructure configuration tuning Project Overview VOLUME TESTING - It applies to large amount of data to determine if the system meets specified objectives. NETWORK ANALYSIS - It captures system network characteristics for inefficiencies to identify potential performance and network risks. ENDURANCE TESTING - It executes an extended test cycles to...
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...statistics that prove that long office hours hold countless interruptions ever so often. Houston Chronicle, February 26, 2006 Issue, published that “people switch activities, such as making a call, speaking with someone in their cubicle or working on a document, every three minutes on average” (Key Organization Systems, 2007). Heavy workload, lack of autonomy, low interpersonal support, under-utilization of skills, lack of control over work, wage scales and repetitive work environment have been cited as major contributors to workplace stress (Citation). Coincidentally, a 2006 Harvard Business Review Case ranked work-related stress as the second biggest occupational health problem in the world (Key Organization Systems, 2007). Taking another step forward, we are curious as to how musculoskeletal disorders (MSDs), the leading global occupational health problem that begets physical stress, is linked to work-related psychological stress. Canada’s Industrial Accident Prevention Association (IAPA) has churned out statistics that MSDs caused over 40,000 workplace injuries in Ontario annually. In a bid to enhance ergonomic awareness and minimize MSDs in the workplace, IAPA exposed five common myths regarding MSDs in a 2009 article (refer to A2.0) (Industrial Accident Prevention Association, 2009). With the intent of maintaining all relevance to present research being conducted, we desire to apply employee mindfulness—a topic of...
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... PAGE INTRODUCTION……………………………………………………………… 3 STRESS AND WELLBEING……………………………………………......... 4 - 9 MEASURING AND COPING WITH STRESS………………………………. 10- 11 CONCLUSION………………………………………………………………… 12 RECOMMENDATIONS………………………………………………….......... 13 REFERENCES ……………………………………………………………….… 14-16 INTRODUCTION BGL Group has grown to be one of the UK’s leading financial services, specialising mainly in vehicle and home insurance, as well as a range of supplementary products such as breakdown cover, legal protection and personal accident cover. It employs more than 3,000 people in several different locations. Despite the organisations continued success through increased profits, they remain focused on employee engagement and Corporate Social Responsibility (CSR). In 2010, BGL have introduced the ‘My Wellbeing’ programme, which consisted of four main pillars; My Health, My Fitness, My Happiness and My Relaxation and Energy. BGL states that the programme is of ‘central importance to their CSR focused strategy’. CSR is rapidly gaining recognition all over the world, where the organisations are expected not only fulfil their legal obligations but to voluntarily take further steps to improve the quality of life for the employees and their families as well as for the local community and society at large. WELLBEING AND STRESS The economic and health costs of stressful work environments may be...
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... PAGE INTRODUCTION……………………………………………………………… 3 STRESS AND WELLBEING……………………………………………......... 4 - 9 MEASURING AND COPING WITH STRESS………………………………. 10- 11 CONCLUSION………………………………………………………………… 12 RECOMMENDATIONS………………………………………………….......... 13 REFERENCES ……………………………………………………………….… 14-16 INTRODUCTION BGL Group has grown to be one of the UK’s leading financial services, specialising mainly in vehicle and home insurance, as well as a range of supplementary products such as breakdown cover, legal protection and personal accident cover. It employs more than 3,000 people in several different locations. Despite the organisations continued success through increased profits, they remain focused on employee engagement and Corporate Social Responsibility (CSR). In 2010, BGL have introduced the ‘My Wellbeing’ programme, which consisted of four main pillars; My Health, My Fitness, My Happiness and My Relaxation and Energy. BGL states that the programme is of ‘central importance to their CSR focused strategy’. CSR is rapidly gaining recognition all over the world, where the organisations are expected not only fulfil their legal obligations but to voluntarily take further steps to improve the quality of life for the employees and their families as well as for the local community and society at large. WELLBEING AND STRESS The economic and health costs of stressful work environments may be...
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...Case 9.1: No Response from Monitor 23 (assignment source article). LOUDSPEAKER: IGNITION MINUS 45 MINUTES... Paul Keller tripped the sequence switches at control monitor 23 in accordance with the countdown instruction just to his left. All hydraulic systems were functioniing normally in the second stage of the spacecraft booster point 1 minus 45. Keller automatically snapped master control switch to GREEN and knew that his electronic impulse along with hundreds of others from similar consoles within the Cape Canaveral complex signaled continuation of the countdown. Free momentarily from data input, Keller leaned back in his chair, stretched his arms above his head, and then rubbed the back of his neck. The monitor lights on console 23 glowed routinely. It used to be an incredible challenge, fantastically interesting work at the very fringe of man's knowledge about hmself and his universe. Keller recalled his first day in Brevard County, Florida, with his wife and young daughter. How happy they were that day. Here was the future, the good life... forever. And Keller was going to be part of that fantastic, utopian future. LOUDSPEAKER: IGNITION MINUS 35 MINUTES... Keller panicked! His mind had wandered momentarily, and he lost his place in the countdown instructions. Seconds later he found the correct place and tripped the proper sequence of switches for checkpoint 1 minus 35. No problem. Keller snapped master control to GREEN and wiped his brow. He knew he was late reporting...
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...Jolll'lllli of Educational Psychology 1990, Vol. 82, No. 4, 760-768 Copyright 199() by the American Psychological Association, Inc. 0022-0663/90/$00.7S College Students' Time Management: Correlations With Academic Performance and Stress Therese Hoff Macan University of Missouri-St. Louis Cornila Shahani Hofstra University Robert L. Dipboye and Amanda Peek Phillips Rice University Many college students may find the academic experience very stressful (Swick, 1987). One potential coping strategy frequently offered by university counseling services is time management. One hundred and sixty-five students completed a questionnaire assessing their time management behaviors and attitudes, stress, and self-perceptions of performance and grade point average. The study revealed 2 major findings. The Time Management Behavior Scale consists of 4 relatively independent factors; the most predictive was Perceived Control of Time. Students who perceived control of their time reported significantly greater evaluations of their performance, greaterwork and life satisfaction, less role ambiguity, less role overload, and fewer job-induced and somatic tensions. Findings are consistent with theory and advice on time management (e.g., Schuler, 1979) but also indicate that the dynamics of time management are more complex than previously believed. In trying to read all the books and chapters...
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...STRESSORS AND STRESS LEVEL OF THIRD YEAR NURSING STUDENTS IN FAR EASTERN UNIVERSITY IN THE YEAR 2008 In Partial Fulfillment Of The Requirement for Nursing Research By: Agre, John Marco C. Angcao, Marice C. Angeles, Jessica Christy P. Arambulo, Allan Carlo L. Bandillo, Jemilyn V. Bañaga, Charlene May Y. Bañaga, Valerie Jane Y. Barbon, Lorraine Angelica Barquin, Jasmine C. Bartolome, Dexter C. Bautista, Erica Frances A. Burdeos, Adison C. Submitted to: Ms. Melanie Tapnio, Nursing Research Adviser BSN 905 2007-2008 Chapter I The Problem and its Background Introduction Stress has been experienced by people almost everyday. Stress can be associated with major life events, daily hassles and change in life. It has physical and emotional effects on us and can create positive or negative feelings. Stress can make a person anxious and depressed. It is the enemy of clear thinking and if allowed to get out of control, it can compromise a person’s health as well. Sometimes stress can keep people awake at night and make them feel irritable and edgy. Yet, their reactions to stressful events differ widely. Some people faced with a stressful event develop psychological or physical problems, whereas other people faced with the same stressful event develop no problems and may even find the event challenging and interesting. Nursing school is very stressful. Students experience...
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...Chapter IV Results and Discussion This chapter presents the data gathered from the randomly selected thirty (30) student assistants from the College of Education. who worked in school year 2011 - 2012. The main objective of the paper is to present the relationship between the academic performance of the respondents and their level of physical and emotional stress. Spefically, this paper aimed to present the following: I. Profile of the Respondents Table 1.1 Frequency Distribution of the Respondents in terms of their Gender Gender|Frequency|Percentage| Female|25|83.33| Male|5|16.67| Total|30|100| Table 1.1 presents the frequency distribution of the respondents in terms of their gender. Based on the result, twenty five (25) which comprises 83.33% of the respondents were female and five (5) or 16.67% of them were male. The result indicates that majority of the respondents were female. This makes the researcher to affirm the fact that female were more inclined in teaching profession than male. Table 1.2 Frequency Distribution Of the Respondents in terms of their Age Age Intervals |Frequency|Percentage| 17 y/o - 18 y/o |3|10| 19 y/o - 20 y/o |12|40| 21 y/o and above|15|50| Total|30|100| Table 1.2 presents the frequency distribution of the respondents in terms of their age. Based on the results, fifteen (15) of the Student assistants or 50% of them were 21 years old and above. There were twelve (12) of them or 40% of the students aged between 19 years old...
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...Johnson Dr. Jeffery AFL 080 Scenario 4 Staying in school My I speak with you on a matter that I am going thorough, sure give me a minute to finish my task. I don’t think I will be able to stay in school any longer, I work long hours and have two kids and can’t find a balance and topping this off, I am not doing that well, what is most frustrating, I am just taking foundation classes. You must not have done well on the compass testing. I would first go to your instructor and see what your options are of passing or failing. Go to your advisor, and ask can you retake that part of your compass to see if you can test out, What is most important is, finding a way to get your balance, you’re probably creating your own internal stress, beating yourself up for just one grade. With going to school and working and two small children it is very hard to ensure everything stay functional. Don’t get overwhelmed, you will make it. If I were you would I take these foundation classes and strengthen up my skills for the semesters that are needed, you think foundation classes are hard wait till you get into the course classes. What I suggest devising a time schedule of your day and see when the most affective time you could study. Another suggestion, get a sitter, ask a family, or your mom can they take them for while you studying, also you can put the children to bed an hour earlier and let them watch a movie for that hour, while you are studying, another...
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...Chinese Medicine, 2012, 3, 49-60 http://dx.doi.org/10.4236/cm.2012.31009 Published Online March 2012 (http://www.SciRP.org/journal/cm) Beneficial Effects of Fumaria indica on Chronic Stress-Induced Neurobehavioral and Biochemical Perturbations in Rats* Gireesh Kumar Singh1, Geeta Rai2, Shyam Sunder Chatterjee3†, Vikas Kumar1# 1 Neuropharmacology Research Laboratory, Department of Pharmaceutics, Institute of Technology, Banaras Hindu University, Varanasi, India 2 Department of Molecular and Human Genetics, Faculty of Science, Banaras Hindu University, Varanasi, India 3 Stettiner Str. 1, D-76138 Karlsruhe, Germany Email: #vikas.phe@itbhu.ac.in Received September 30, 2011; revised November 17, 2011; accepted November 28, 2011 ABSTRACT Objective: To evaluate the anti-stress activity of standardized extract of Fumaria indica (FI) through validated behavioral models of rodents followed by estimation of biochemical changes associated with chronic stress. Methods: Fifty percent ethanolic extract of FI used in this study was standardized on its contents of fumaric acid and its conjugates (0.45% and 0.35% respectively). Stressed Charles Foster rats received unpredictable foot shocks (2 mA, 1 hr, 14 days) through electric grid. FI was given orally as 0.3% carboxymethyl cellulose (CMC) suspension in 100, 200 and 400 mg/kg doses. For comparison, Panax ginseng (PG) extract (100 mg/kg, p.o.) was used as standard adaptogen. Incidence of gastric ulceration, changes in...
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