Finance Essay Examples and Topics. Page 4

Studying the behaviour of the customers and capturing information related to the customers will help the companies determine who to give credit based on their behaviours and projected creditworthiness.

A guarantor is the party to loan contract who is responsible for the full payment of the loan the amount in the event of failure on the part of the borrower.

During the early 2000s, the unstable economic situation in Argentine led to the discussion of the ways to change or improve the situation in relation to forming the barriers for the external economic shocks as [...]

Foreign direct investment is much higher in Colombia than Venezuela as a result of the political decisions that the country's leadership has made.

However, a debate has arisen in the wake of modernisation of the convectional banking dynamics trying to influence the Islamic banking into charging interests rates on loans, but Muslims are reluctant as for them, riba [...]

This paper has effectively illuminated issues in capital investment decisions, with particular reference to the effects of the Dodd-Frank Act, viability of NPV and IRR in evaluating capital projects, and the development of criteria that [...]

Credit Default Swaps are financial contracts that are similar to insurance policies where the insured parties are required to pay fees to the insurer, and in case of a credit event, the insured is subjected [...]

However, owing to the implosion of the currency and local stock bazaars of these countries in the fiscal 1997, the appearance of the Asian wonder came to a sudden stop.

In view of the challenges Barclays is facing and the desire for a better future, the company considers implementing either or all of the following strategic options.

It is necessary to note that it affects the development of the economy as well as the pace of this development.

This report will discuss the strategies that can be used to develop Union National Bank's information system to exploit the potential of big data. This will help in identifying the type of software that will [...]

The other objective is to determine the causes of failure of foreign banks in the Russian market. Success and failure of foreign banks in the Russian banking sector.

According to Adair et al, the drop in the value of residential property took away the incentive to pay back the mortgage, thus increasing the rate of the defaulters.

Aim and scope The objective of this report is to assess the issues that SMEs face in an effort to raise finance. Existence of market failure According to Pretes, banks are the major sources of [...]

The tightening credit terms and the decrease in demand for products during the economic and financial crisis have been the main setbacks for SMEs and entrepreneurs in this century as these factors have affected the [...]

The board of directors has the responsibility of managing the affairs of the bank in addition to setting the short term and long term objectives.

The main four banks owned by the state include Bank of China, China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank of China.

While it is clear that major banks interest rates will never match RBA's interest cuts, this report recommends that RBA continues with interest cuts, but find other means to pressure major banks into matching their [...]

The decision by the RBI was motivated by the need to stimulate the country's economic growth by lowering the rate of inflation.

The latter is described through the analysis of the company's financial statements and is compared to the performance of the primary BAC competitors.

In the above case, CTS has the smallest ratio which is an indication that it is able to sustain its operations and growth as well.

The first way is that by changing the capital structure, the cost of capital and the use of the finance in the firm as planned.

In recap, sports industry is crucial towards developing economies of different states and also to improve the social contact of a community.

The definitions of bank-based system and that of market-based financial system are on the financial structure are varied. Eventual structure is equivalent to the logarithm of the market capitalization ratio by that of the bank.

Knowledge pertaining to the firm's culture and systems is essential in determining whether structures of the acquired firm would match that of the acquiring firm.

Voluntary early retirement is granted to individuals only with the approval of the Office of Personnel Management; it is under the federal law and agencies.

The president chooses members of the cabinet from the elected members of the legislative assembly. One issues that seems to bedevil Kenya is the high rate of corruption in the country, particularly in public offices.

This builds a unique form of link between the bank and the clients thus the firm is able to create a strong customer loyalty2. Secondly, in order for the firm to maintain the existing clientele, [...]

In a leveraged firm, the value of the firm is equivalent to the value of the firm reduced by the value of the debt.

More importantly, the analysis will explore some of the factors, which have contributed to the restructuring of the institution, on the basis of the world financial issues.

Real effective exchange rate, CPI, Interest Rates, Money supply, Unemployment in US Just like in other countries, US have been experiencing changes in the economic variables such as the real effective exchange rates, consumer price [...]

Nominal exchange rate has been economically defined as the actual foreign exchange quotation which is the opposite of real exchange rate that has been adequately adjusted to cater for changes in the purchasing power of [...]

In addition, there are other external factors that influenced the volatility of the Irish stocks, for example the influence of the international policies that had a direct impact in the value and trading of the [...]

The business should try to spread as much as possible information about the specifics of the business to the potential internal investors to make those interested in the revenue they are going to receive in [...]

The Federal Reserve System Board proposes to create standards for assessing the fee so as to determine the proportionality of the fee charged in relation to the cost incurred by the issuing firm.

The increased cost of bounced check and the rise in regulation of the payday advance services has had a significant influence on the financial performance of companies like Cash Connection.

The financial period in this case may be at the end of the year or the middle of the year. The system is updated on a quarterly basis and is based on the following procedure [...]

It is important to note that the research that was conducted in the banking sectors of China, USA, Taiwan and Hong Kong revealed several cultural variables that are worth employing in management.

Central banks in different countries have also kept record of the statistics to monitor the inflation rates and the impacts of the changes in the foreign exchange market.

However, Dave has to contend with 100 local painting companies that also service the areas he is attempting to penetrate and at the present, he is uncertain regarding the competitor ratio per area, and the [...]

In the years preceding the crisis, the government in Canada involved in budget surpluses. Maybe the most vital aspect is that Canada did not engage in the kind of real estate experiences as is the [...]

Over the years the investment and banking sector has been hit hard by many challenges which have threatened to tear the industry, even to an extent leading to the winding up of some of the [...]

In the analysis, it is obvious that rather than being a CEO, Bennett had been the epitome of hope for the company and hence the news of his fraudulent deeds have not only meant that [...]

The establishment provides a variety of banking services and belongs to one of the most recognized and reliable banking systems in the Arab world.

Europe is currently facing a serious financial crisis; debts accumulated by the member nations of European Union have raised questions about the effectiveness of European Economic and Monetary Union and what holds of euro in [...]

However, it is also important to note the sector's significance to the UK economy. In addition, this has made it increasingly difficult for new entrants to gain recognition in the industry.

The political environment involves evaluation of the political impacts on the economy and the friendliness of the political system in Mexico towards the business venture to be established by the agreement between CRL and Alpes.

Apart from decongesting the banking hall in major banks, the agency banking model has the potential to enable the unbanked majority to access financial services.

In the documentaries Inside the Meltdown and Breaking the Bank, the attention is given to the role of the housing bubble in creating the financial recession and breakdown of the leading financial institutions.

Since the UAE is a member of the Gulf Cooperation Council, its companies can benefit from low import tariffs in the region Economic Factors Rapid economic expansion is one of the most important drivers of [...]

The member states of the Group of twenty in 2010 certified Basel III framework which aimed at increasing the quality and quantity of capital that banks should have.

Greece's economic and political instability are regarded as the motives behind the falling of the euro whereas the American dollar is gaining grounds on the basis that the winner of the presidential election between Barack [...]

Another implication of Basel III is that weaker and poorly established banks and other financial institutions will find it hard to survive in the industry.

With the Eurozone economic crisis and deflation that has been witnessed in the countries within the Eurozone, the Euro currency has lost its value against other world currencies.

Information contained in income statement is useful for a family as it determines the financial situation of the family for a certain period.

Once the bank obtains deposits from customers, it is allowed to retain the reserve requirement, and the rest of money is saved in a different institution.

This paper is aimed discussing such issues as the fluctuations of the exchange rate, loan delinquency, default, mismatched funds, interest rate risk, and the changes in political and social culture of the country in which [...]

This implies that the supply of the foreign currency will be fixed, and only its demand that will vary as illustrated below Fig 1 In the diagram above, the forces of demand and supply will [...]

The Fed is divided on the way forward and what the stakeholders and the country have to watch and wait for the Fed's decisions.

In fact, this has been the first foreign bank in history be allowed to take over an American bank. In fact, China had to maintain international standards in order to have its banks allowed to [...]

The writer of the article says that most of the board members rotate in the top government organizations, and some are members in more than one board.

The increase in the exchange rate means that the ratio E$/ 1 changes to E$/ 2, which means an increase in the worth of the pound and a decrease in the worth of the dollar.

The performance of the stock market affects the national economy directly and influences key decisions by the government and corporations. The Taiwan government should create independence of the stock market, and the financial market in [...]

The imbalances and the crisis were simultaneously as a result of faults in design and implementation of macro-economic policies in the world.

With the Silver A-Plus card specifically targeting consumers in the top 10 to 1 percent of the economy the goal of the bank is to be able to connect particular consumers with particular stores and [...]

16 To follow the linkage between mutual funds and algorithmic trading, it is necessary to consider the risk-taking behaviour of competitors in tournaments. 24 The age of funds should be related to the mutual fund [...]

The monetary policy takes the form of targets of cash rates and affects the economy in short-term. Monetary policy entails altering the base interest rates to regulate the growth of overall demand, supply of money [...]

In this case, the variables are GDP per capita, economic freedom and property rights. The table also shows the countries with the lowest GDP per Capita value, Economic Freedom, and also Property Rights.

Financial forecasting refers to the process of estimating and evaluating the future financial results of the organization based on the current available information.

The government has adopted the cash accounting model since this model ensures that the welfare of the people is well catered for.

The major functions of the central bank are the formulation of policies that affect the whole of the banking industry, they also regulate the other banks most so the commercial banks and act as the [...]

According to Dr, James, the local branch Human Resource Manager, the journey to the top has been long fought, but staying on top against the prevailing market competition is the company's primary objective.

There has been a consistent increase in the volume of assets of the financial service providers in Australia; in fact the growth rate of the financial sector has leaped forward than the overall economic growth [...]

In brief, an up shift in the volume of money supply causes the cost of borrowing, which is also the interest rate to move downwards.

In spite of the fact that there were clear signs of the impeding economic crisis, the Federal Reserve officials and their counterparts in Europe were unable to alleviate the economic crisis that took place in [...]

In the long term, the natural effect is that the exchange rate will increase with the amount of cash in the economy.

In the second quarter of 2011, the US economic expansion was below what had been forecasted, and this is a pointer to the weakness of the economy.

This means that the governments see the need to raise age of retirement as the best means to keep the cost of pension affordable.

The rent for leasing are always predetermined and are due after a particular fixed intervals of time and the lessee assumes the ownership of the property for the entire lease period.

Price elasticity of demand It submits to the extent of receptiveness in demand side quantity in relation to price. The variation caused by the price factor in the demand side can be associated to variations [...]

GDP measures the nation's total spending on newly-manufactured services and goods or all income received from the services and goods manufactured; therefore, GDP is market price of final services and goods manufactured in a nation [...]

The economic analysis of the article will give the strength and the weakness of the monetary policy in the domestic capital and the foreign exchange markets.

In theory, risk free rate in taken to be the least returns on investment desirable for an investor and has no risk unless the rate of risk for that investment is lower than the returns.

The problem of underfunding of small businesses has implications to the financial stability of the small businesses sector and the economy at large.

The subsidy of public goods by government According to Johnson and Whitehead article titled "the subsidy of public goods by government", the rush to build arenas and sports stadiums were witnessed in the 1990s.

This means that the fiscal policy adopted mainly tends to increase the desire for investors to invest and the available market to have the power to purchase.

According to the Lyons article, the availability of land, cheap labor and rent rates when evaluated in dollar terms, encouraged foreign investments and tourists partly contributing to the increase in the value of the Brazilian [...]

Wells Fargo's main goal following the merger, according to Phil Smith, is "to expand the investment banking arm so that its footprint is comparable to the commercial business, which is one of the top two [...]

The trend of the federal revenues as projected by the body for the time period ranging from the year 2008 up to the year 2019 also describes the same percentage of individual income tax in [...]

In regard to its role in determining the amount of money circulating in the economy as well as how the money moves around, the central bank is the sole issuer of national currency in England [...]

The issuers of a bond are mainly comprised of the self-governing governments together with their agencies, the local government, the corporations and the supernatural bodies e.g.the IMF and the World Bank.

Crisis of the magnitude that was experienced is a real threat to the economy of any country and it is imperative for people to learn as much as they can to avoid the circumstance that [...]

After collecting all the necessary data, the purchasing team processes it and translates it into the information, which can be helpful for the identification of possible improvements in the purchasing patterns, the choice of the [...]

In the current context, fraud is the intentional act of a misrepresentation of the financial statements which basically amounts to deliberate dishonesty, cheating and stealing. First is the dependence on the internal controls of the [...]

Bonus banking is an incentive plan where some part of the bonus is put aside or banked in a reserve fund rather than paying out the entire bonus amount to the employee. The last variable [...]

The major reason behind the crisis can be traced on the exposure of the Eurozone countries to the US subprime problem.

To be in a position to lend money under the TSLF facility the Federal Reserve Bank of New York has to seek the legal approval from the legislature which is the house of congress.

This could be due to the fact that central bank does not want there to be a major effect of the foreign exchange intervention in the market.

Federal Reserve informally called fed is an independent organization established by the government of United States of America through Federal Reserve act in [1913], to act as the Central Bank of the America.

The expansion on the other hand refers to the structural changes and the number of functions that the Federal Reserve has.

The higher the volume of production, the higher the variable costs. Downsizing the workforce: This is reducing the number of workers in the organization.

The negative effects of the 2009 financial crisis saw the increase of interest rates in the Australian market to 4. The high interest rates led to an increase in cash rates and assets trading in [...]

The non-current assets make up a significant proportion of the total assets while on the liability and equity side, the value of total equity is slightly higher than the total liabilities. The total number of [...]

The history of Dubai Financial Market will be outlined, its functions and objectives, the requirements that a company should meet to be listed here, as well as the growth of companies listed on the market [...]

Conversely, modernization and diminution of poverty is the contemporary and outwit goal of the World Bank in the comprehensive and protracting globalization.

Usually the central banks intervenes the exchange rate in order to check or regulate depreciation or appreciation of the currency in the market.

Implementation of the Consumer Financial Protection Agency Act will affect providers and consumers of financial products and services in some ways; it will lead to sweeping of consumer financial protection.

With this in mind, Federal Reserve injections will have a positive impact to the US economy both in the short term and in the middle term.

Since there were a lot of national and international financial institutions willing to help the government out of the crisis it was facing due to the deficits, the government always found itself borrowing for the [...]

If a bank enters a market this way, it has the advantage of easy access of the local knowledge and customers.

The Hungarian banking sector was under the control of the government with no private banks in operation during this time. The government had to deal with the issue of debts and debtors in the banking [...]

When the money supply in the economy is high, the central bank can reduce the amount of money in circulation by increasing the interest rate.

Some of the known threats include insider trading, fraud, tax evasion, interest rates and currency manipulation, tax evasion, corruption, financial insecurity and government decisions.

These changes are related to operating, investing and financing activities, which the firm does within a specific period. This shows that the firm is in a position to pay loans, salaries and other expenses, which [...]

This is because manipulation of exchange rate is perpetrated by a given country or state in order to interfere with the existing rate of exchange.

According to Griffiths & Wall "Real gross domestic product is basically the use of current prices to measure the value of the goods and services that a specific country produces in a particular year while [...]

There is high possibility of reduction on future sales and cash flows in the event that home currency used in exchange, trades lower than that of a foreign competitor transacting business with the same domestic [...]

The trader can therefore enter in to a forward exchange derivative contract to pay the goods in 30 days time if the exchange rate of the USD to the Yuan is expected to depreciate.

Analyzing the information, it can be concluded that diversified international portfolios are more secure investments as compared to investments in the domestic portfolio.

Qatar is the first nation within the Middle East region to be awarded the right to host the World Cup in the year 2022.