Economic and Regulatory Capital in Banking: What is the Difference?∗ Abel Elizalde Rafael Repullo CEMFI and UPNA CEMFI and CEPR July 2006 Abstract We analyze the determinants of regulatory capital (the minimum required by regulation)‚ economic capital (that chosen by shareholders without regulation)‚ and actual capital (that chosen with regulation) in the single risk factor model of Basel II. We show that variables that only affect economic capital‚ such as the intermediation margin
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One of the most drugs abuse is that a patient may negatively addicted to drug. Most of people believe that stop using drugs is simple thing that anyone can do it but in fact withdrawal drugs in really hard challenge that needs hard effort and will power because drugs change the behavior that lead to force the body to abuse using drug. Drug abuse information clearly states drug abuse is an extreme desire to obtain‚ and use‚ increasing amounts of one or more substances. The first question to answer
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and gives an explanation of using the capitonyms in writing. The third section is a list of some pair vocabularies that one is written in capital and the other in small with their meaning‚ which there is a big different in the
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mind for a very long time.Immigration has many talking points: arguments over the social‚ political‚ and future implications of immigration have plagued our society for decades. However numerous‚ among the most important are the economic effects that immigrants have on the United States of America. What positive effects do immigrants; both legal and illegal have on the economy of the United States of America? Immigrants help the United States economy
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Laws change on a daily basis‚ some of them effect the old‚ yet some effect the young. Laws are set forth to govern what we do to ensure fairness‚ equality‚ and safety for others. Recently new laws have been passed which effect new drivers. These laws mainly pertain to the younger generation of driver mainly teenagers. I believe that the current laws passed pertaining to what can and cannot be done by a new driver are a good thing. The law has changed several ways. First‚ new driver cannot and should
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How do the four contingency variables influence organizations’ structure? During 1970s‚ the United States of America was suffering unprecedented social‚ economic and political instability‚ with the great impact posed on western society by the crisis of oil‚ and the changing environment all the industries were facing. Previous management theories‚ such as scientific management theory‚ science of behaviour management theory and so on‚ only focused on how to improve enterprises’ internal organizational
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Regulatory and Accreditation: The Effects on Nursing Faculty Laurie Fishman‚ CRNP University of Phoenix HSN-548 Role of the health care/Nursing Educator Emily Piercy‚ RN‚ MSN‚ October 30‚ 2006 Regulatory and Accreditation: The effects on nursing faculty Regulatory agencies and accreditation bodies have held a part in the nursing community for many years. The regulation of nursing began as a simple registry process to protect both nurses and the public alike. Today‚ the primary purpose
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The forces affect an organization Introduction With an increasingly competitive and dynamic business world‚ anyone organizations want to be successful‚ managers must make and develop appropriate business strategies. Strategy is the direction and scope of an organization over the long term‚ which achieves advantage in a changing environment through its configuration of resources and competences with the aim of fulfilling stakeholder expectations. ( Johnson‚ Scholes‚ Whittington‚ 2009:3). It does
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refer to a specific type of drug as well. So‚ before we delve into this type of drugs’ effects‚ let’s first define it. What Are Narcotics? Though narcotics is a term thrown around referring drugs in general‚ it actually refers to drugs that are derived from opium which originates from the opium poppy plant‚ and is related to heroin‚ morphine‚ and other drugs common to opiate addiction. The confusion between the generic vs. specific terminology has gotten so bad‚ some experts have turned to calling
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Digital students are students whose brains have become accustomed to digital media‚ such as playing computer games‚ listening to music on Ipods and looking at computer screens for lengthy times. Many of them have today evolved from sitting in front of screens to using handheld devices to send e mails‚ text messages and send instant messages. Some of them even talk to each other in bytes. In fact this generation is called the digital generation. Students of today live in a very different world
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