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... during the middle ofthe 1990‘s started offering banking services over the Internet The changes lead to that the physical interaction in thebank office environment between the banks and their ... getting stuck of finding ways develop and improve its e-banking services professionally The thesis "A study on electronic banking - TheCaseofBank for Investment and Dev elopment of Vietnam (BIDV)” ... form or another of electronic banking: personal computer (PC) banking Internet banking, virtual banking, online banking, home banking, remote electronic banking, and phone banking PC banking and...
... purpose of choosing the thesis topic, the outline for the entire thesis and the scope of work in the opening part before the first chapter that reviewed all literature of bond and normal practice of ... forth the obligation ofthe issuer to satisfy the terms ofthe agreement in which the issuer agrees to pay a certain amount or a percentage ofthe pace, or principle, par value to the owner ofthe ... terminologies of bonds A bond is a contract of an institution which binds the institution to pay certain amounts of money to the owner ofthe bond on certain dates At the maturity ofthe bond, the institution...
... iteration The distribution F ofthe mean can then be approximated and the estimate ofthe mean and the variance ofthe distribution F can be computed In the example above, the distribution of non-parametric ... return of a portfolio µ is the expected return of each asset in the portfolio ω is the vector weight of assets in the portfolio Ω is the covariance matrix of assets in the portfolio Given the parameters ... behalf ofthe government that conduct official borrowing Therefore, even though these debt are not the liabilities ofBank Indonesia, thebank must be ready to provide enough FX liquidity should the...
... safety for theloans as of low percentage of collaterals used to guarantee for the loans, or assign the representative staff ofthebank to participate in the management ofthe operation ofthe borrowers ... outstanding loans; • The diversification of outstanding loans • The collaterals; • The relationship between the customers and the bank; • Business environment ofthe customers’ industry Banks are ... operations, I decided on the topic of “Improving the Management of Non-performing Loans in Joint Stock Commercial Banks – TheCaseoftheBank for Investment and Development of Vietnam (BIDV) – Quang...
... reduced-form equations of loan-growth ofthebank that issue the instrument, the performance ofthe loan portfolio of that bank and the rating ofthe instrument issued by that bank: Loan growthi,j,t ... capture the speed of adjustment ofthe instrument’s rating to the quality ofthe loan portfolio ofthebank that issue that security The vector ofbank conditions includes observed bank solvency ... (overwhelmingly in the form ofbank loans) into marketable securities The development of securitization has therefore allowed banks to off-load part of their credit exposure to other investors thereby lowering...
... instantly their account to another bank This case raises questions regarding the impact of internet banking on the way banks and banking The banking authorities in the UK are tripartite: the FSA, Bank ... to stop thebank run that would otherwise precipitate the bankruptcy ofthe targeted bank 3- There is another alternative to prevent instant bank run because of internet banking: the banking ... lender of last resort The first section will relate the story ofthe Northern Rock bank In light of those facts, the second section will discuss the impact ofthe changes introduced by internet banking...
... biggest banks and asset ranked among 20 biggest banks out of 44 Vietnam banks - Its performance (ROA) ranked among top 20 banks Secondary information and data ofthebank includes thebank annual ... information, CGI oftheBank has been calculated for 2010 and 2011 Results and discussion of results Overall assessment of CGI score in 2010, 2011 The 2010 CGI ofthebank is 52/100 and the 2011 CGI ... influenced by the management style of a market economy after privatization Thebank is a medium to large joint stock commercial banks in Vietnam For these reasons, corporate governance ofthebank is...
... become, by the year 2010, a leading bank in the Northern region, as well as one ofthe top five banks in the country, and a leading bankofthe Southeast Asian region in the term of quality, ... According to theory of Kumar 1999, the choice of particular method depends upon the purpose ofthe study, the resources available to the researcher, the skills ofthe researcher and the socio-economic- ... checking one-half ofthe results of a set of scaled items against the other half (Zikmund, 1997) The problem with this estimate of reliability is that the estimate ofthe coefficient of reliability...
... required the non-performing loans ratio ofthebank at the end of year does not exceed 3% of total loans If banks had a higher percentage, would have the approval ofthe Governor ofthe State Bank ... or failure ofthebank Therefore, the policy ofthe board of directors is constantly improving the manner of services in order to create their own advantage It is also a key factor ofthe present ... related to the place ofthe branch, thebank staff and the loan policy More specific, the first problem was the location ofthe branch quite far from their house The second was the low percentage...
... by considering the trade-off between the benefit of debts and cost of debts The benefit of debts is the tax deductibility of interest payments and the cost of debts is the cost of financial distress ... second bank and =0 32 for other banks; D 3i =1 for third bank and =0 for other banks, and so on Moreover, it is widely believed that a is the intercept of commercial bank and the other a show the ... maximizing the value ofthe company Therefore, managers decide to increase the level ofthe debts so as to carry out the high risky projects The purpose of decisions is to complete the tasks and...
... disposition ofthe assets of a bankrupt firm; and (4) the debtor does not retain the administration of its property pending the resolution ofthe reorganization The index ranges from to Source: Bankruptcy ... it until the maturity ofthe forward contract, the forward price is linked to the current price by the interest cost of holding the asset until the forward contract matures In thecaseof forward ... member countries They are published under the responsibility ofthe Dean ofthe Asian Development Bank Institute The Institute does not guarantee the accuracy or reasonableness ofthe contents herein...
... one ofthe most important two rice granaries ofthe country, alongside Red River Delta in the North, and one ofthe largest inland fisheries in the world (MRC, 2009) I first assess the impacts of ... because ofthe intensified drought, the saline water coming in, as well as the stormy weather They’ve all had a very negative effect on agriculture and as a result on the income ofthe farmers” The ... temperature increase of 0.5oC in Can Tho (the largest city in Mekong River Delta), and the average sea level rise of mm per year in the water around the mouth ofthe Delta (ICEM, 4-5) The average FINAL...
... Statistics Office Department Store In Western countries, department stores make profits through the difference between the price they pay to their suppliers and the price at which they sell the product ... brand suppliers, as they are one ofthe principal distribution channels for apparel brand suppliers Therefore, there have been some cases of unfairness and wrongdoing on the part of department stores ... Consumption recovery was delayed in the first half of 2007 due to the strength ofthe Korean Won against the US dollar, in addition to high oil prices In the second half of 2007, consumption appeared...
... characteristics ofthe "Sassi of Matera" and "Trulli of Alberobello" In the South of Italy, the sites ofthe "Sassi of Matera" (Figure 1a) (classified as humanity world heritage in 1993) and "Trulli of Alberobello" ... if the present structures are characterized with local materials, namely, “Tufo of Matera” for the structures ofthe "Sassi of Matera," and “Stone of Fasano” for the structures ofthe "Trulli of ... and the knowledge ofthe temperature coefficient ofthe material of which it is made A single measure allows for the determination of diffusivity, thermal conductivity, and specific heat of the...
... meteorological stations ofthe National Observatory of Athens (NOA) [8] and ofthe Aristotle University of Thessaloniki (AUTh) [9] The results for the two decades are compared and the existing differences ... in the range of to 9% in Thessaloniki, depending on the base temperature, with the highest changes observed at the lowest base temperatures The increase ofthe yearly values of CDD was in the ... values of HDD were reduced in the second decade, while the monthly and yearly values of CDD were increased The reduction in the yearly values of HDD was in the range of 9.5 to 22% in Athens,...
... Scope ofthe study In fact, there are lots of various methods to improve listening skills in TOEIC test, thecaseof part and It requires much of time and effort However, due to the limitation of ... Nguyen Thi Trang TABLE OF CONTENTS PART I: INTRODUCTION Rationale 01 Aim ofthe study 02 Scope ofthe study 02 Method ofthe study 03 Design ofthe study ... Design ofthe study The study is divided into three mains: Part one is INTRODUCTION that indicates the rationale for choose this topic, pointing out the aim, the scope as well as the methods of the...
... identical only in thecaseof a zero leakage (i.e., L=0) In their flow forms the equations can be interpreted as giving the ‘dynamics’ ofthe process of financial deepening Thecaseof a zero leakage ... that in thecaseof these countries the positive substitution effect of real interest rates outbalances the negative income effect This also implies that, in thecaseof these countries, there ... equal to bank time deposits The relationship between financial saving and the supply ofbankloans may be written as: BC = (1 – T) FT (10) where BC is the supply ofbank loans, T is the required...