Content I Introduction 3 II Findings 4 2.1 An overview of the UK Financial Regulatory Environment 4 2.1.1 The HM Treasury 4 2.1.2 The Bank of England 4 2.1.3 Financial Service Authority 4 2.1.4 The changes of Financial Services Authority 5 2.1.5 Supervision structures of EU 5 2.2 Date description 6 2.2.1 Total equity-to-asset ratio 6 2.2.2 Tier 1 capital ratio 7 2.2.3 Total loans-to-deposits ratio 8 2.2.4 Cash ratio 9 2.2.5 The ratio of cash balances at the central bank
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decades‚ the world has been experiencing banking and financial crises at a higher frequency than during the previous decades and with significant costs to the economy. The recent 2008 Financial Crisis has caused the threat of total collapse in large financial institutions‚ downturn of stock markets as well as bail out of banks by many governments. This has brought more concern on banking supervision and regulation. There is a need to reform the financial regulation as it is one of the factors that contributes
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Banking Industry in UK 1.0 Introduction The UK Banking sector is the world’s third largest in terms of Return on capital & efficiency after USA and Japan. Around 3.5% of the total UK’s workforce is working in banking sector and it is providing services to 95% of the population. UK is considered as Investment Hub for Private Banking & Investment in the international Market. 2.0 Size and Importance of Banking Industry to National Economy The UK Banking sector is one of the largest sectors to the
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BANKING OPERATION AND REGULATION CASE STUDY/SENARIO On 23rd November 2012 a customer of your bank Grace Eyang‚ called in to say that her Husband Mr Daniel Eyang had just been admitted to the mental hospital for treatment. Enquiries were made and this information was confirm to be correct. On that day‚ the Balance of Grace Eyang account was ¢10000 in credit and that of Mr Eyang account was ¢8500. Also Grace Eyang and Mr Eyang had
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Laws and Regulations Team A Linda Lee-Tucker‚ Natalia Alexander‚ Misty Pearson‚ Tiffany Miller HRM/554 February 21‚ 2011 Professor Stephanie Romagnoli Introduction British Petroleum is the US’s largest corporation. One of the largest oil producers‚ BP services globally for billions of dollars each year. BP distributes oil and natural gas all over the world. British Petroleum has run into several problems with federal regulations over many years. Because of safety issues
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UK Banking System - Banking and Finance A Summary Sophisticated commercial‚ financial and professional services developed in the City of London during the 19th century to support Britain ’s position as the world ’s largest trading nation. Today Britain has a wide variety of banking and financial institutions. Many of these offer specialised services to individuals‚ companies and other bodies‚ both in Britain and internationally. Bank of England The Bank of England was established in 1694 by
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Banking Regulation Financial regulation relates to laws and rules that govern what financial institutions such as banks‚ brokers and investment companies can do. These may be set though legislation or be stipulated by the relevant regulatory agency‚ for instance the FSA in the UK . Regulation is needed to ensure consumer’s confidence in the financial sector . It does this by providing smaller retail clients with protection against potential losses and by protecting consumers against monopolistic
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What case can be made that it was the lack of regulation of the banking sector that led to the financial crisis of 2008-9? What are the new regulatory structures that are being proposed in the US and UK? The preconditions of the 2008-9 crisis were high unemployment‚ high growth which was stimulated partially by foreign investment caused by imbalance of current accounts on the international arena (ie. Huge debt of US and the UK and surplus of China‚ Korea‚ Japan). Large part of the problem was
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Introduction Think global ’‚ Act local ’ is a common phrase used by executives‚ companies in the UK have been heavily impacted by globalisation due to the benefits of attractive cheap labour available overseas‚ establish subsidiaries to overcome exportation‚ producing globally standardised products to achieve economies of scale and gaining a market share in local/region of a country. This is the age of globalisation‚ a term which has numerous definition (Dunning‚ 1997)‚ but generally refers
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output gap and its coherency to inflation. Secondly‚ it shows the measurement of output gap and finally‚ it highlights inflation and means of monetary policies to avoid inflationary pressure. All theoretical explanations are underpinned by data of the UK economy’s current situation. The report will be concluded by evaluating the data. The output gap The term output gap (GDP gap) describes the difference between the potential an economy can sustainably produce (potential output) and the actual economic
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