opportunities, however other commercial banks are exposed to big challenge and face many risks like credit and liquidity risk. Given this situation, APRA outlines the regulations to ensure and consolidate the safety for Australian banking system, such as Liquidity and Credit quality. This report will analyse the difference between credit risk and liquidity risk at the beginning, then the regulations from APRA in terms of credit risk for the major and smaller banks will be discussed. Next, there will
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Chapter: One Introduction 1.1:Introduction: We know business is mainly concerned with the financial activities. In order to ascertain the financial status of the business every enterprise prepares certain statements, known as financial statements. Financial statements are mainly prepared for decision making purposes. But the information as is provided in the financial statements is not adequately helpful in drawing a meaningful conclusion. Thus, an effective analysis and interpretation
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INDIA’S COMMERCIAL BANKS PRESENTED BY Gurlovleen Kaur ABSTRACT Commercial banks form the most important part of Indian financial landscape in terms of their role in channeling credit to the commercial sector and facilitating the process of financial inclusion. In the era of global competition, performance is the key factor for any subject, especially in banking. The Indian banking industry is made up of the Indian public sector banks and private sector banks. In this project
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in net interest income, and well-performing retail and corporate loan portfolios. Cost-to-income ratio CET 1 capital ratio Loan-to-deposit ratio 53% 11.7% 124% Improved from the first half of 2014, with administrative expenses tightly managed absorbing ongoing investment. Strong capital position with an improved PRA end-point Tier 1 leverage ratio of 4.1%. Unchanged from the end of 2014, with strong growth in Retail Banking assets and liabilities. Gross mortgage
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The financial system of Bangladesh consists of nationalized commercial banks; government owned specialized banks, domestic private banks, foreign banks, 29 non-bank financial institutions (NBFI), merchant banks and insurance companies. . In order to ensure flow of term loans and to meet the credit gap, development of NBFIs is a compelling necessity for the economy. Although NBFIs have immense necessity and greater importance in the financial system of Bangladesh, they are severely suffering from
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states. The disparity index was higher for the agricultural loan accounts than the agricultural credit. Higher credit intensive states with higher number of villages, borrowing members of co-operatives, higher amount of commercial and co-operative banks
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Authors: Abhiman Das and Saibal Ghosh About the authors:Mr Abhiman Das has worked as a assistant adviser in department of statistics and information management of Reserve bank of India. He has released several research paper in the field of economics also.Mr Saibal Ghosh has also worked as a higher level official in Reserve Bank of India and has released several research papers. Abhiman Das Research Context Virtually every major industrialized economy and major international organization has
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Industry in Bangladesh---------------------------------------------------------- 3.1 What is a Bank? ----------------------------------------------------------------------5 3.2 Definitions of Bank form different view -------------------------------------5 3.3 Where does the word BANK come from? ------------------------------------6 3.4 Why Banks? Why don’t go to another financial institution? -------------7 3.5 Banking System in Bang
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MSc. in Finance and International Business Authors: Romans Tjurins (Exam ID: 402722) Andrejs Nikitins (Exam ID: 402723) Academic Supervisor: Jan Bartholdy An empirical study of abnormal return on stock and operating performance as a result of acquisition in banking industry Aarhus School of Business, Aarhus University May 2011 Table of Contents 1. Introduction................................................................................................................ 1 1.1. 1.2.
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HABIB BANK LIMITED UNCONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT DECEMBER 31, 2012 2012 2011 (US $ in '000) ASSETS 1,567,935 246,090 255,567 7,999,874 4,735,688 218,067 59,120 541,385 15,623,726 1,061,044 360,123 428,010 4,116,734 4,284,742 176,092 71,614 452,305 10,950,664 Cash and balances with treasury banks Balances with other banks Lendings to financial institutions Investments Advances Operating fixed assets Deferred tax asset Other assets LIABILITIES 194,325 1,977,449 11,746,459 50
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