Category: Everything Else 2.0

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The Greece Debt Crisis

Greece crisis in short is about the defaults in payment to the IMF. This means that Greece economy doesn’t generate enough money to pay its debts.What is EU?EU is an union of mostly European...

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Cardinal Principles of lending

A bank is an institution which is primarily seen as a body that accepts monetary deposits from its customers (general public), looks after their money, offer them some beneficial services such as cheque books...

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Investment Fluctuation Reserves

Investment Fluctuation Reserves: IntroductionInvestment fluctuation reserves are the reserves built up within many accumulation-style superannuation funds. The main purpose is smoothening the year-to-year returns credited to member accounts. These reserves are established by not...

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Valuation of Bank Investments

Banks are the institutions that deals in money and its substitutes and provide other financial services. The main function of a bank is to act as an intermediary between money surplus units (lenders) and...

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Cash and Balances with RBI

Behaviour of Banks with regard to cash and BalancesTo understand the behaviour of banks with regard to cash and balances, first we need to understand what cash is how it is related with RESERVE...

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Market Risk Management

IntroductionRisk may be defined as an exposure to uncertainty which may lead to a favorable or unfavorable outcome. Market risk   refers to the risk of losses in the bank’s trading book due to movements...

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Why do Banks Invest

What is Banking?Banking can be defined as the business activity of accepting and safeguarding money owned by other individuals, and for earning profit they lend this money. But as the time passes by the...

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Credit Appraisal

INTRODUCTIONCredit appraisal means an investigation done by a bank before providing any advances, loans or project finance. Banks also check the financial, commercial & technical viability of the project proposed its funding pattern &...