định hướng và giải pháp ứng dụng mô hình sml trong việc xây dựng chương trình đào tạo q uản lý và lãnh đạo bản thân tại công ty viễn thông viettel
Valuing stocks of commercial joint stock banks - The case of Sacombank = Định giá cổ phiếu ngân hàng thương mại qua trường hợp ngân hàng Sacombank
... profitability criterion cared most by bankers ROE = net incomet after tax /average equity = (ROA x total assets)/average equity = (ROA x total sources/average equity) = ROA x (1+Debts)/ average equity ... capital (debt) kd is the cost of debt ( the required interest for debt) E is the value of equity ke is the cost of equity ( or the required interest for equity) t: is corporate income tax rate The ... equity (return on equity – ROE) ROE is a measurement of the profitability of banks, often combined with ROA ROE of banks is usually calculated by letting net income be divided by average equity...
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An Analysis of Commercial Bank Exposure to Interest Rate Risk doc
... banks, and the yield on two-year Treasury notes, 1993 :Q4 –1995 :Q2 Percent Percent Two-year note yield + – 2 Gain or loss Q4 1993 Q1 Q2 Q3 1994 Q4 Q1 Q2 1995 tial effect of rate changes on economic value ... price sensitivity is nonmaturity core deposits, which fund one-half of a typical bank’s balance sheet Because these deposits have no stated maturity and typically not reprice as quickly as general ... maturity or repricing frequency must be analytically derived The A.1 Core deposits, grouped by type of account and distributed by assumed effective maturity or repricing frequency Percent Type...
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Consultative Document Effective Resolution of Systemically Important Financial Institutions pdf
... flexibility and adequate safeguards 7.1 Resolution authorities should have the ability to act in a coordinated manner and with the necessary speed, flexibility and legal certainty subject to adequate ... a sufficient quantum of liabilities covered by bail-in powers within resolution 11 Liquidity needs 11.1 As with other resolution tools that seek to promote continuity, the liquidity needs of a ... authority to write-down or convert into equity 11 unsecured and uninsured claims, with a view to maintaining continuity of systemically vital functions, by either recapitalising the entity providing...
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BANK OF GHANA - NOTICE TO BANKS, NON-BANK FINANCIAL INSTITUTIONS AND THE GENERAL PUBLIC pdf
... to higher capital requirements Tier institutions shall, in addition to the minimum capital requirement determined by the Bank of Ghana also maintain a minimum capital adequacy ratio of 10% Branch ... Bank of Ghana, of varying periodicity as may be determined by the Bank of Ghana ii Tier institutions may be subject to on-site supervision of such periodicity as may be determined by the Bank ... 10% of the paid up capital of the entity ii The raising of funds, excluding deposits, from high net worth individuals, wholesale sources and donors This activity shall be subject to observance of...
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bliss & kaufman - financial institutions and markets, the financial crisis; an early retrospective (2010)
... reserves Liquidity: (18) Non core funds; (19) Brokered deposits; (20) FHLB advances Community Bank Franklin Bank Security Pacific Freedom Bank Alpha Bank Main Street Bank Silver State Bank Integrity ... Community Bank Franklin Bank Security Pacific Freedom Bank Alpha Bank Main Street Bank Silver State Bank Integrity Bank Columbian Bank First Priority Bank 1st Centennial Bank Bank of Clark County ... Bank First, Beverley Hills New Frontier Cape Fear First City Stockbridge Security Savings Freedom Commerce Heritage Community Sherman County Corn Belt FirstBank Fin Services Silver Falls Bank Alliance...
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Bank and Nonbank Financial Institutions as Providers of LongTerm Finance
... capital reforms and liquidity reforms The capital reforms are primarily directed at improving the quality of capital, while the liquidity reforms are intended to minimize liquidity shortages and stresses, ... correlate strongly with the business cycle of high-income countries TABLE 4.5 Types of Private Equity Funds and Investment Strategies Private equity (PE) fund type Defi nition Related PE fund types ... Washington, DC; Private Equity (database), Preqin, New York City, NY, https://www.preqin.com Note: The figure is based on data covering 7,071 private equity funds in Q1 2014 for which information...
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The quality of financial assessment in the lending activity of Viet Nam commercial banks (Vietnam Joint Stock Commercial Bank for Industry and Trade)
... situation in the quality of the financial evaluation on investment projects involving lending activity at commercial banks in viet nam (3) Quantification the influence of factors to the quality of the ... overview of the quality of the financial evaluation on investment projects involving lending activity at commercial banks in viet nam Chapter 2: the real situation of the quality of the financial ... factors impact on the quality of the financial evaluation of the investment project involving lending activity of the commercial banks CHAPTER THE REAL SITUATION OF THE QUALITY OF THE FINANCIAL...
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language plays an important part
... Maxims The four maxims of Grice recognized are quality, quantity, relation, and manner - The quality states: +Make yourself as informative as required (for the current purpose of exchange) +Don’t ... Cũng phải nói Honestly, Quite candidly, Quite frankly, E.g The thief broke the lock, for sure I saw it I would say he won’t go out with Mary _ Quantity hedges (i) Quantity hedges give notice that ... Grice’s maxims 31 *Hedges addressed to Grice’s maxims _ Quality hedges (i) Quality hedges may suggest that S does not taking full responsibility for the truth of his utterance English There is some...
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Hydrophytes may play an important role in sewage disinfection in constructed wetlands
... microalgae in laboratory cultures, J of Aquatic Botany., 89: 9–15 Basile A, Sorbo S, Giordano S, et al (1998) Antibacterial activity in Pleurochaete squattosa extracts (Bryophyta), J of International ... and Typha latifolia on coliphage T4 and f2 In order to remove pathogenic micro-organisms in sewage and choose hydrophytes for the sewage disinfection system in CWs, the anti-coliphage activity ... leaf extracts on coliphages was the strongest P hydropiper displayed the better inhibitive effect on coliphage T4 and f2 So P hydropiper extracts had the stronger allelopathic effect 80 60 60...
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The Political Economy of Distress in East Asian Financial Institutions
... is if a FI is a nonbank financial institution, otherwise) Liquidity - (+) liquidity risk (-) less subject to liquidity runs (+) liquidity risk (+) less concern on the negative externalities associated ... SIZE CONNECT Liquidity - INDO - KOREA - MALAYSIA - THE PHILIPPINES THAILAND - NB - CONNB - - Definition (Equity (book value) + Loan loss reserves)/Gross loans Loan Loss Reserve/(Equity + Loan Loss ... for closure Earnings Earnings (-) Profitability (+/-) Less volatility/More volatility of income (-) Profitability (+/-) Less volatility/More volatility of income Loans/Borrowings Nonbank (dummy...
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Strategic plan for applying customer relationship management in Vietnam joint stock commercial bank for private enterprises
... procurement to bring the best and stable quality services to customers (one of the main limitations in service industry is inconsistent in the service quality; it is affected by people and information ... customers For example, the bank chooses Profitable Capability and Satisfaction Level to classify customers: Profitable Capability reflects potentiality to create turnover Satisfaction Level reflects satisfaction ... profitability, dissatisfy with VPBank and has the low profitability, average satisfaction VPBank cannot put additional marketing cost for this group - The black box shows the low profitability and...
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nonbank financial institutions
... Property Insurance covers loss of real property • Casualty insurance protects against legal liability exposure • Reinsurance Credit Insurance • Credit Default Swaps (CDS) – Seller is required ... closed-end • Load vs no-load • Money Market Mutual Funds • Hedge Funds Private Equity and Venture Capital Funds • Private Equity Fund • Venture Capital Funds – Capital buyout funds – Leveraged buyout ... Private plans (RPPs) Public plans – A Social Security – B CPP and QPP Finance Companies • Minimal regulation by provinces • Rapid growth • Three types: – A – B – C Sales finance companies Consumer...
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banking and the management of financial institutions
... dollar of equity capital net profit after taxes ROE = equity capital Relationsh ip between ROA and ROE is expressed by the ROA = Equity Multiplier : the amount of assets per dollar of equity capital ... capital Assets EM = Equity Capital net profit after taxes net profit after taxes assets = x equity capital assets equity capital ROE = ROA x EM Capital Adequacy Management: Safety • Benefits the ... long Bank Management • • • • • • Liquidity Management Asset Management Liability Management Capital Adequacy Management Credit Risk Interest-rate Risk Liquidity Management and the Role of Reserves...
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Tài liệu Déjà Vu All Over Again: The Causes of U.S. Commercial Bank Failures This Time Around* docx
... measured by equity to assets was associated with a higher probability of failure, as was worse asset quality as measured by NPAs to assets, lower earnings as measured by ROA, and worse liquidity as ... results These included: home equity loans; annual percentage growth of assets; a dummy variable for RECOM > 300% of equity; a dummy variable for RECON > 100% of equity; squared terms for RECOM, RECON, ... introduces our explanatory CAMELS is an acronym for Capital adequacy; Asset quality; Management; Earnings; Liquidity; and Sensitivity to market risk The Uniform Financial Rating System, informally...
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Tài liệu School-Based Bank Savings Programs: Bringing Financial Education to Students ppt
... 5311 et seq), which requires program, recordkeeping and reporting requirements; and the USA PATRIOT Act (31 CFR 103.121(a)(3) FAQs: Final Customer Identification Program (CIP) Rule question 6, ... financial education and expand community service • Receive favorable Community Reinvestment Act (CRA) consideration • Identify potential bank employees • Elevate visibility, reputation, and goodwill CRA ... Service portion of the CRA Service Test For intermediate small banks, the qualifying activity would be considered under the Community Development Test Programs in Authorized Bank Branches In those instances...
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Tài liệu Which Bank Is the “Central” Bank? An Application of Markov Theory to the Canadian Large Value Transfer System doc
... suggested by the initial distribution of liquidity In particular, the bank which is central based on initial liquidity holdings is not central in terms of liquidity flows over the day Once we have estimates ... date t measure of the observed average liquidity holdings for the n banks A comparison of the initial liquidity holdings, dt , to the average liquidity holdings, yt , over the 272 days of the ... the 0.20 0.15 0.10 0.05 0.00 Average Liquidity Holding 0.00 0.05 0.10 0.15 0.20 Initial Distribution of Liqudity Figure 1: Initial versus average liquidity holdings initial distribution is almost...
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Tài liệu Báo cáo khoa học: LAT – an important raft-associated transmembrane adaptor protein pptx
... Cell Biol 23, 2515–2529 118 Pasquet JM, Gross B, Quek L, Asazuma N, Zhang W, Sommers CL, Schweighoffer E, Tybulewicz V, Judd B, Lee JR et al (1999) LAT is required for tyrosine phosphorylation of ... easily purified by density gradient ultracentrifugation or sizeexclusion chromatography [35] There are probably several types of membrane raft in the plasma membrane of a cell type, differing in their ... regulator of the Ras–MAPK pathway of receptor tyrosine kinases, Sprouty1, negatively regulates LAT phosphorylation A C-terminal deletion mutant of Sprouty1 is unable to translocate to the immune...
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Tài liệu Báo cáo Y học: The b-1,4-endogalactanase A gene from Aspergillus niger is specifically induced on arabinose and galacturonic acid and plays an important role in the degradation of pectic hairy regions pdf
... amino acid sequence of GALA revealed very high similarity to the endogalactanases of A tubingensis (95.7% amino acid sequence identity) and A aculeatus (78.9% amino acid sequence identity) and lower ... and lower similarity to bacterial endogalactanases (between 21% and 28% amino acid sequence identity) This is illustrated by a CLUSTALW analysis [29] of the deduced amino acid sequences of GALA ... (mass/vol) SDS Positive plaques, identified on duplicate replicas after autoradiography, were recovered from the original plates and purified by rescreening at low plaque density Standard methods were...
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Tìm thêm: hệ việt nam nhật bản và sức hấp dẫn của tiếng nhật tại việt nam xác định các mục tiêu của chương trình khảo sát chương trình đào tạo gắn với các giáo trình cụ thể xác định thời lượng học về mặt lí thuyết và thực tế tiến hành xây dựng chương trình đào tạo dành cho đối tượng không chuyên ngữ tại việt nam khảo sát thực tế giảng dạy tiếng nhật không chuyên ngữ tại việt nam khảo sát các chương trình đào tạo theo những bộ giáo trình tiêu biểu nội dung cụ thể cho từng kĩ năng ở từng cấp độ xác định mức độ đáp ứng về văn hoá và chuyên môn trong ct phát huy những thành tựu công nghệ mới nhất được áp dụng vào công tác dạy và học ngoại ngữ các đặc tính của động cơ điện không đồng bộ hệ số công suất cosp fi p2 đặc tuyến hiệu suất h fi p2 đặc tuyến mômen quay m fi p2 đặc tuyến tốc độ rôto n fi p2 đặc tuyến dòng điện stato i1 fi p2 động cơ điện không đồng bộ một pha sự cần thiết phải đầu tư xây dựng nhà máy thông tin liên lạc và các dịch vụ chỉ tiêu chất lượng theo chất lượng phẩm chất sản phẩm khô từ gạo của bộ y tế năm 2008