Using Earnings-at-Risk to Assess the Risk of Indonesian Banks Elisa R. Muresan‚ Ph.D. 1 Nevi Danila‚ Ph.D. 2 JEL Classifications: F37‚ G20 Authors’ Keywords: Capital Adequacy Ratio (CAR) Earnings-at-Risk (EaR)‚ Bank Risk‚ Indonesian Banks Questions and feedback may be directed to both authors. 1 Elisa R. Muresan is an Assistant Professor of Finance at The School of Business‚ Public Administration‚ and Information Sciences‚ Long Island University‚ 1 University Plaza‚ Brooklyn‚ NY 11201
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might be minimal‚ Shader estimates estimated that 20% of customers‚ primarily frequent guest‚ would be willing to use the machines. (This might be a conservative estimate if the guest receive direct benefit from using the ATM‚ as bank customers do. Citibank reports that 95% of its Manhattan customers use
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Summer internship project report on: RETAIL ASSETS PERSONAL LOAN Submitted by: Mr. Pankaj Yadav INTRODUCTION INDUSTRY PROFILE ORIGIN AND DEVELOPMENT OF COMPANY The origin of banking in India is traceable in ancient time through the modern banking hardly 200 years old. The main functions of
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CHAPTER N0-1 Company Profile 1. COMPANY PROFILE 1.1 NAME OF THE COMPANY INDIA INFOLINE PVT LTD. 1.2 LOGO OF THE COMPANY 1.3 VISION OF THE COMPANY “To be a world class financial services provider by arranging all conceivable financial services under one roof at affordable price through cost-effective delivery systems and achieve organic growth in business by adding newer lines of business.” 1.4 COMPANY PROFILE: The India Infoline
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WTO and Indian Banking-Challenges of 2009 Impact of WTO commitments on Indian banking Industry Prof. S.Visalakshi Faculty – Banking and Finance‚ Bangalore Management Academy (BMA). Naman Kumar Gupta‚ MPFB II‚ Bangalore Management Academy (BMA) Kartheek Yerolla‚ MPFB II‚ Bangalore Management Academy (BMA) Mahesh Bondili‚ MPFB II‚ Bangalore Management Academy (BMA) Introduction India had a deep rooted and well structured banking system since independence. After nationalization of
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Financial Crises and Firm Performance Financial crises • Financial crises could happen anywhere‚ although emerging markets tended to be more seriously afflicted in recent times • Companies operating in a region where a financial crisis had broken out could undergo corporate disasters as a result. • The following sections describe what happened during three major financial crises in the late 1990s and early 2000s‚ and how the business sectors of the regions were affected. • The best-known of
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Executive Summary: Many SMEs in emerging markets often rely on informal sources of capital‚ such as borrowing from relatives‚ to meet finance needs. However‚ when a small or medium enterprise does access formal channels‚ it typically looks to a bank as its primary source of financial services. Banks have begun to turn their attention toward this untapped market and their service of SMEs is a major factor in increasing SME access to finance. Although‚ numerous issues surface when it comes to SME lending
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Country: Thailand Country Overview Overview of the Thai Banking Industry To begin with‚ the overall structure of the Thai financial sector is mainly consisted of the Bank of Thailand (BOT)‚ governed by the Ministry of Finance‚ whose duties are to maintain financial stability of the economic system and to supervise financial institutions – commercial banks‚ finance companies‚ credit foncier companies‚ and non-bank such as credit card and other non-collateralized loan activities. Other key
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Chapter 14 Financial Structure and International Debt ( Questions 1. Objective. What‚ in simple wording‚ is the objective sought by finding an optimal capital structure? When taxes and bankruptcy costs are considered‚ a firm has an optimal financial structure determined by that particular mix of debt and equity that minimizes the firm’s cost of capital for a given level of business risk. If the business risk of new projects differs from the risk of existing projects‚ the optimal mix
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AGREEMENT The existence of the contract depends on whether or not there was an agreement between the parties. The parties must be at consensus ad idem for the agreement to be valid. OFFER An offer is an expression made by the offeror to the offeree communicating the offeror’s willingness to perform a promise. Unilateral Contracts Case: Carlill v Carbolic Smoke Ball Co (1892) States that a unilateral contract brought into existence by the act of one party in response to a conditional
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