Finance Essay Examples and Topics. Page 5

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 [...]

Unlike the other types of bankruptcy, the applicant is delegated a trustee who is expected to oversee the selection of assets that are to be excluded from the bankruptcy.

Financial regulators need to establish strong codes of conduct to ensure banks comply with social and environmental regulations. Banks need to include environmental and social compliance in the loan application criteria, before giving out credit [...]

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.

In practice, credit rating agencies have a challenge in terms of setting credit rating that best describe the credit quality of a certain issuer while taking into consideration the effect of these ratings on the [...]

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.

The model uses the Black Scholes option pricing in order to determine the relationship between the equity market value and the bond market value.

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.

By selling, the central bank lowers the price of the marketable instruments in the open market. This implies that the bank has the autonomy of imposing the interest rate to various commercial banks in China.

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 application is the Absolute form of PPP based on the notion that in the absence of international barriers the consumers are expected to shift their demand to where the lowest prices are offered.

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.

By using a web-based system, the efficacy of the process will improve, reducing the process overheads and increasing the margin for the banks.

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

The reasons below shows that it is necessary to have strict regulation on banks and other financial institutions: The main reason why banks need regulation is to ensure that there is financial stability in the [...]

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.

Additionally, the EU is the largest trading partner of China, Russia, and the United States, which makes the Union a leading player in the global economy.

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, [...]

The main purpose of this report is to consider the transformations which took place in the accounting regulations, understand the changes of the national and international economic environment and summarise the information having stated how [...]

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

This is for example over- dependence on: the capability of managers to create returns.the merits of financial innovation in efficiently spreading returns and risks in the market, the sufficiency of data and models used for [...]

The consequences of this policy are that it would lead to more money supply in the economy which will enable attainment of financial stability and economic growth at the desired level. This would consequently lead [...]

To deposit the money in the mobile account, the customer approaches the agent with the amount of money they want to deposit, the agent deposits the money and both receive a confirmation message.

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 goal of the project was to examine the levels of financial literacy in ordinary citizens and their implications for financial literacy education.

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 [...]

The measures taken by the Federal Reserve are considered less effective because of the amount of finance that the Federal Reserve has used to stabilize the economy.

The reader will also get to know the history of how the financial crisis started in the United States and UK and the devastating effects it has had on the economy.

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.

In order to assist the trading position of the bank immediately before the onset of global financial meltdown in 2007, submissions that were never true were made to the committee charged with the role of [...]

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 [...]

As the head of the Bank, Rob Richman worked overtime, trying to establish a scheme that would improve the performance of the bank.

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 [...]

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 [...]

However, the quick actives responses by the states in the region helped in the quick aversion of the crisis and its impacts on the region's economy.

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.

Credit scores are determined by a mathematical formula that is used to forecast the probability that an individual will default on a loan or extension of credit.

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 [...]

The terms and the conditions of the exchange rates can either have a positive or a negative impact on the economic growth of a given country. The managed floating rates are a combination of the [...]

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.

This report is a reflection of the theoretical concepts in play, in relation to the works of other photographers under the documentary genre; what the documentary was created to achieve, the steps taken towards the [...]

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.

This has as a result led in implementation of a number of economic bailouts so as to increase the viability of the economy in the long run.

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 [...]

Despite these bills, money laundering remains a challenge to most economies due to the complexity of the techniques used in money laundering and the inability to stem out the illegitimate sources of money.

The "Federal Reserve System" is a central bank that operates whilst shunning the influence of powerful persons in the U. Regardless of the fact that the Fed is sovereign body, the U.

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 [...]

The size of the funds has increased tremendously as countries seek to increase the returns from such funds. As such, the article tends to explore the validity of the concerns raised in the context of [...]

Different institutions in the sector together with the process of financial intermediation have changed which is for the good of the economy.

The decision rule for return on investment is to select a project with a higher rate of return. From the above calculations, the return on investment for project A is 37.

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 form of plastic cards available includes store cards, cash cards, debit cards and credit cards; all these cards are used in transactions, but they are different in the benefits to its users, and on [...]

In modern era of globalization, both countries are facing an increasing number of new entrants in the banking sector; in Saudi Arabia, the sector is growing faster than that of the United States because of [...]

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.

The Vodafone team managed to keep mobile banking service simple to its users. Soon mobile banking became a form of viral marketing and drove the growth of the company and its services.

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 disparity in development has led to the grouping of the world states in to two broad groups i.e.developed countries and developing countries.

The Basel III toughens the bank capital needs and institutes new regulatory needs on the liquidity of the bank as well as the bank leverage.

To choose the right project the CEO should consider using the investment appraisal methods that allows the management team of the firm to evaluate a project based on the possible opportunity costs, returns, risks and [...]

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.

The use of the two instruments involves manipulating the level of government spending and or tax collection in order to influence the aggregate demand and the level of activity in the economy.

The 2007 financial crisis in the United States led into a decline in the level of liquidity within the economy. During the 2007 economic crisis, there was an increment in the rate of unemployment in [...]

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.

The government expenditure will be less than the tax revenue in the event of a contractionary fiscal policy. The reduction is illustrated by the shift in the aggregate demand curve to the left from AD1 [...]

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 [...]

He adds that the money circulation and short term interest rates prevailing in the economy determine whether the monetary policy is tight or loose. Furthermore, Ambekar discusses the role of monetary policy in stabilizing prices.

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.

It is the purpose of this essay to discuss the advantages and disadvantages of some of the financial derivatives existing in the market today, including evaluating the circumstances in which these derivatives are used.

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.

In a case study of food and money transfer in Bangladesh, wheat and rice transfer, and cash transfer were provided to the people. The cash transfer offers people an opportunity of choosing as they determine [...]

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

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 [...]