Basel

is based on the factor of credit rating, loan purpose, credit spread, and loan-to-value ratio. Moreover, PB can also establish credit risk rating system and advanced Internal Ratings-Based (IRB) to calculate credit risk capital requirement based on Basel II. Furthermore, diversify its borrower pool also can minimize the credit risk. This is due to the reason of larger the number of borrower, the smaller the unsystematic credit…

In 2012, JPMorgan Chase Company (that specializes in banking and financial services) has accidently reported the trading loss of $6 billion due the badly conceived trades of the company. Since the company had been quite well-controlled and profitable over years, the trading loss of $6 billion caused a lot of confusion in JPMorgan’s Central Investment Office. Later on, the investigators have found that the company has not lost $6 billion but this amount of money has been displayed due to the…

Diagram 3.1.1. Divisions in Overseas-Chinese Banking Corporation (OCBC) I am attached to one of the departments in the Group Risk Management division. At a glance, Group Risk Management (GRM) is an independent function that reports to the Group Chief Risk Officer, Vincent Choo, who is responsible for ensuring that risk management practices in OCBC are effective and comprehensive. GRM has financial responsibility in contributing independent risk control and management of credit, market,…

On August 8th 1981, Robert and Lynette Federer were expecting their second baby after Diana who had 20 months old. They did not know that the new arrival will be one of the greatest athletes in History. At the Basel Cantonal Hospital in Bottmingen Switzerland, they named him Roger. In his childhood, Roger showed interest in football. At four years, he began watching and playing tennis when his idol Boris Becker won his first Wimbledon title. After that, he became junior player and finished this…

used a tanning bed for 15 minutes, burn myself look like a tomato and dint look tan at all. (pathos) II. Tanning beds exposed you to skin cancer. A. Several types of skin cancer. a) Melanoma is the deadliest type of skin cancer based on the CDC. b) Basel cell carcinoma and squamous cell carcinoma. B. According to the FDA women who use tanning beds more than once a month are 55% more likely to develop melanoma. (Logos) III. The alternative to tanning beds. A. There are several methods for…

Punjab National Bank Introduction Punjab National Bank shortly referred to as PNB is an Indian commercial services company that has its base in New Delhi, the capital city of India. It was founded in the year 1894, the bank has more than 5,800 branch offices and more than 6,000 ATM centers spread over nearly 764 towns. The bank aids more than 80 million customers. Punjab National Bank is one amongst the Big Four banks of the Indian banks along with ICICI Bank, State Bank of India, and Bank of…

At the moment the financial instruments are not as tightly regulated as insurance products securities or futures. The current consensus is that the CDS market will be subject to tighter regulation but is this really a good thing necessarily? The right wing conservative general public feel that these products have caused enough harm to the global economy and should be completely banned and suspended the market from trading anymore. This is a view also shared by the European authorities as they…

debit card processing. This amendment initially seems like a positive for consumers, but will actually leads to increases in banking fees which pushes low income consumers away (Hensnarling, WSJ). Basel III has created global issues for banks within emerging market economies or EME Banks. Reforms like Basel III took place in order to fix what was occurring within large institutions in advanced economies (Sinah, 65). These economies are in different growth stages that advanced economies thus the…

Murakami 's studio, the Art Fair in Basel, and the Turner Prize. She cleverly divided the book into these seven day-in-the-life chapters and also captured the subtle power dynamics that activate each of these…

Herzl: The Man, The Leader, The Visionary Binyamin Zeev Theodor Herzl was born in Budapest, Hungary on May 2, 1860. Herzl was a journalist, playwright, writer, political activist and one of the founding fathers of modern political Zionism. Herzl was a visionary and a practical man who suffered many failures while dealing with the Jewish question and he never gave up on his vision and ideas. In this essay, I will claim that if Herzl had not moved Zionism to center stage, we wouldn’t have a Jewish…