tax-exempt assets over taxable assets. C. net income over pre-tax net operating income. D. taxes owed over total liabilities of a bank. E. None of the options is correct. 6. Which of the following ratios can be used to measure a bank’s credit risk? A. Net loans’ duration/Total assets B. Interest sensitive
Premium Deposit account Asset Banking
__________1. A company which foregoes the discount when credit terms are 4/15 net 70 is essentially borrowing money from his supplier for an additional: (A) 40 days (B) 55 days (C) 70 days (D) 85 days. __________2. A company that foregoes a discount of 1/7 net 30 is essentially borrowing money from the vendor at: (A) 1% (B) 12.29% (C) 16% (D) 52.7%. __________3. What factors should we consider when selecting a source of short-term credit? (A) Effective cost and availability (B) Liquidity and profitability
Premium Balance sheet Accounts receivable Debt
established credit industry allows people who only earn fifty thousand dollars a year to purchase and “own” two hundred and fifty thousand dollar homes and thirty thousand dollar cars. We pay over time to enjoy or conveniences and lives now. In developing economies‚ this is very far from the case. Take Jamaica for example where very little is done on credit. In the past decade the nation implemented tax identification numbers which is the same as social security numbers here. But establishing credit there
Premium Business ethics Interest Mortgage
of dividends and grant of advances and loans. 25. Prohibition of loans‚ etc.‚ to directors‚ officers and employees. 26. Restriction on grant of loan‚ advance or credit facility under section 25 (4). 27. Restriction of credit to single customer. 27A. Control of credit limits. 28. Disclosure of interests by directors. 29. Limitation on credit facility for purpose of financing the purchase or holding of shares. 30. Proof of compliance with sections 24‚ 25‚ 26‚ 27 and
Premium Fractional-reserve banking Bank Credit
information asymmetries and difficulties in selecting customers. 1.2 Consequence of adverse selection Information imperfections‚ such as asymmetric information‚ are important frictions in financial markets. Even in normal times‚ borrowers in credit markets often know more than lenders about the quality of the collateral and the riskiness of their investments. If high- and low-risk borrowers are indistinguishable‚ then high-risk borrowers benefit at the expense of low-risk borrowers. The resulting
Premium Debt Interest Credit
Board of Directors that accompanies official NBER publications. © 2010 by Alicia M. Robb and David T. Robinson. All rights reserved. Short sections of text‚ not to exceed two paragraphs‚ may be quoted without explicit permission provided that full credit‚ including © notice‚ is given to the source. The Capital Structure Decisions of New Firms Alicia M. Robb and David T. Robinson NBER Working Paper No. 16272 August 2010 JEL No. G21‚G24‚L26 ABSTRACT This paper investigates the capital structure
Premium Debt Credit
RETAIL BANKING Project Work Acceleration‚ Deceleration & Moderation in the growth of retail credit in India David Varghese 2011PGPRAK004 PGP RAK‚ IIM INDORE Introduction Retail banking is the mobilization of deposits‚ lending and provision of financial services by a bank in the retail segment which results in fee-based income. Retail lending has been a great innovation across the globe in the commercial banking sector in recent years. Lending is not a new concept- it has been
Premium Interest Bank Debt
that plagiarism is ‘stealing someone else’s facts’ and ‘very bad’. It was an accurate and concise explanation. To elaborate‚ the Publication Manual of the American Psychological Association (2010) defines plagiarism as ‘the practice of claiming credit for the words‚ ideas‚ and concepts of others.’ While this does not sound as critical as ‘stealing’‚ the fact remains that using another’s words or ideas without appropriately acknowledging their origin is taking something that belongs to someone
Premium Citation Reference Credit
APPENDIX 1 KYAMBOGO UNIVERSITY EMPLOYEE QUESTIONNAIRE Dear Respondent‚ I am a student of Kyambogo University undertaking a research study as part of my fulfillment for the Degree of Bachelor of Accounting and Finance I humbly seek to get your opinion about the issues in the questionnaire to facilitate my study about microfinance institutions and the growth of the private sector. Your opinion will be kept highly confidential and used specifically for academic purpose. I will be grateful
Premium Microfinance Debt Loan
Malwa Gramin Bank is a Regional Rural Bank sponsored by State Bank of Patiala In order to provide excellent service to its customers‚ Malwa Gramin Bank became a 100% computerised Bank on 13.10.2005. To further improve its customer service‚ the Bank has migrated to CBS on 29.07.2010 against Govt of India dead line of Sept‚ 2011. Malwa Gramin Bank is one of few RRBs who have migrated to CBS during 2010-11 and have the privilege of accomplishing the glorious achievement. Our services stands at par
Premium Loan Credit Interest