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  • - to mænd og en fælles drøm om milliarder
    af Hanne Sindbæk
    199,95 - 228,95 kr.

    Hvad gør en mand til den, han er? Og hvad gør en drøm til meget mere end noget, der er glemt i morgen? Få svarene i denne anderledes og stærkt fascinerende biografi om Saxo Bank og de to mænd bag det, der både er klassens højtråbende knægt - og en dansk erhvervssucces af de sjældne.   Kim Fournais og Lars Seier Christensen har på få år skabt en verdensomspændende investeringsbank og en formue i milliardklassen. De har trukket overskrifter med deres politiske budskaber, åbenlyse forretningstalent og sponsorat af Danmarks bedste cykelhold - og de er blevet beskyldt for at være sidegadevekselerere, asociale kapitalister og urimelige arbejdsgivere.   TYREN, BJØRNEN OG BANKEN er en medrivende biografi om to mænd, der trives bedst i modvind. Det er en inspirerende opskrift på et parløb mellem modsætninger. Og det er en uafrystelig fortælling om en barndom, der ikke var for børn og gjorde to mænd voksne før tid.   Forfatter Hanne Sindbæk er en af Danmarks bedste interviewere og mest stilskabende skribenter, og hun har haft fuld adgang til begge hovedpersoner og alle omkring dem.   Hanne Sindbæk (f. 1962) er uddannet journalist. Hun er kendt for at gå tæt på, meget tæt på. Siden 1998 har hun fokuseret på at beskrive dansk erhvervslivs top indefra, hvem de er, hvad de mener og hvordan de arbejder. Hun har især skrevet for Berlingske Nyhedsmagasin og Berlingske Tidende, men hendes artikler har også kunnet læses i Euroman, Jyllands-Posten og Community. TYREN, BJØRNEN OG BANKEN er Hanne Sindbæks første bog. Læs mere om Hanne Sindbæk og hendes arbejde på http://www.sindbaek.com/.   Citater fra bogen: "Der var kun én vej, og det var fremad, om så pressens kugler hvinede om ørerne på dem." "Lars og Kim kastede sig ind i politik med samme indstilling, som de havde til forretning - de var i det for at skabe resultater.""Og hvorfor skulle Saxo Bank ikke have de bedste af det bedste? De høvlede jo penge ind. Man var for længst holdt op med at sige 1 million og 1 milliard ...""Faktisk spillede de bevidst på deres image som hardcorekapitalister, for det var bedre, at man sagde, de var nogle dumme kapitalistsvin, end at der pludselig bredte sig en opfattelse af, at banken led under finanskrisen."

  • - fremtidens penge
    af Peter Hertz & Alexander Sonne Wulff
    198,95 kr.

    Er det et stort svindelnummer, eller er kryptovaluta fremtidens betalingsmiddel? Det kan være svært at finde hoved og hale i mediernes ofte overfladiske og sensationsprægede dækning af Bitcoin og andre digitale valutaer.Bitcoin – fremtidens penge? giver en enkel og grundig introduktion til de digitale valutaer, hvordan og hvorfor de opstod, og hvordan de fungerer og bruges. Med udgangspunkt i den nyeste udvikling på området stilles der skarpt på de nye valutaers forcer og potentiale, men også på de udfordringer og forhindringer, de vil møde.

  • - - en introduktion
    af Kim Sindberg
    98,95 kr.

    Formålet med denne bog, er at give en introduktion til rembursen, så læseren hurtigt og let kan danne sig et overblik over, hvad en remburs er, dens grundprincipper og hvordan den virker. Hensigten er at give et nuanceret og brugbart billede af rembursen, uden at gå for meget i detaljer.

  • af Neil Hoffman
    171,95 kr.

  • af Sasy G. Woodpick
    540,95 kr.

  • af Faba's Diaries
    290,95 kr.

  • af Brian Webb
    222,95 kr.

  • af Sebastian Moritz
    99,95 kr.

    Seminar paper from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1.0, University of Applied Sciences Wernigerode, language: English, abstract: This paper is discussing positive and negative aspects of so-called high-frequency trading activities on global stock markets.Further, a recommendation on how to improve the current status quo will be provided.

  • af Ismaila Akintan
    374,95 kr.

    Master's Thesis from the year 2016 in the subject Business economics - General, grade: 6.3, , language: English, abstract: This study analyses the effect of service quality dimensions on customers¿ patronage of selected banks in Ogun State, Nigeria. It investigates the relationship between service quality dimensions and customers¿ patronage using Bank Service Quality model dimensions. It also determines factors responsible for customers staying on queue for longer periods of time while awaiting bank services, assesses the level of customer satisfaction about services rendered by money deposit banks with a view of identifying factors that were responsible for customer disloyalty in patronising banks. The study employed Simple random sampling to select six banks namely First Bank Plc, United Bank of Africa Plc, Guarantee Trust Bank Plc ,Access Bank, First City Monument Bank and Zenith Bank Plc for this study. Convenience sampling method was used to select 240 customers of the selected banks. The data were analysed through the use of Statistical Package for Social Science (SPSS), while Pearson¿s correlation co-efficient and multiple regression analysis were used to test the hypotheses formulated whether significant relationship exist between service quality dimensions and customers¿ patronage.

  • af Yetayew Alemu
    337,95 kr.

    Thesis (M.A.) from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 3.33, Ethiopian Civil Service University, course: Financial Management, language: English, abstract: The aim of this research is to explore the practice of Enterprise Risk Management in Ethiopian Private Banks. Currently, there are 16 private commercial banks working in the country, some of which are celebrating their 20 years' anniversaries. To represent all the 16 private banks, the researcher grouped them in two categories. Wegagen Bank, United Bank and Bank of Abyssinia has been selected from the earliest established commercial banks and Abay Bank, Buna international Bank and Berhan Bank were selected from the lately established banks in simple random sampling method with a total number of 51 employees working risk management area from the selected 6 commercial banks. The data were collected through questionnaire and face to face interview. The questionnaires were distributed to all risk management department staff of each selected commercial banks. The interviews were made with NBE¿s bank supervision department and directors as well as managers and directors of commercial banks. 51 questionnaires were distributed, properly filled and fully returned to the researcher. The finding of the research reveals that, the major challenge faced by commercial banks are weak ton at the top, absence of qualified staff, absence of advanced risk management technology and lower management attention and the recommendations were, Banks should have an enterprise risk management committee at management level, Banks should conduct workshops or panel discussion to identify enterprise level risks in each activity and Banks should have comprehensive risk register and database to run their business with smooth operations and absence of interruption.

  • af Bahiru Gebeyehu
    374,95 kr.

    Master's Thesis from the year 2020 in the subject Business economics - Investment and Finance, grade: Excellent, , course: Financial Markets, language: English, abstract: The overall aim of this study was to assess what the existing share transfer mechanism in the private banking companies in the absence of secondary stock market in Ethiopia is, along with its related challenges and benefits.The information was obtained from 12 purposively sampled private banking companies by adopting descriptive research design. Semi structured questionnaires were administered to 153 respondents from which 43 were all share department expertise and 110 were conveniently selected shareholders from those banks and interviews also administered for share department directors of those banks. The questionnaires covered the key aspects of what options are there to transfer shares in the absence of secondary stock market in Ethiopia and related challenges and benefits.The main conclusions of the paper were: despite the absence of secondary stock market in Ethiopia shares can be transferred between investors through different ways includes by purchase through the help of share department employees of the companies, by descendant¿s if the transfer is sequestration, and through court order at the time of debt settlement, divorce, death. Difficult to know market value of shares, less marketability, inaccessibility of information about share trade were the major challenges with the existing share transfer mechanism that existed in private banking companies in the absence of stock market in Ethiopia. Generally the findings suggest that shares of the private banking companies can transferred between investors in the absence of stock market in Ethiopia. Some recommendations were given from those the banks should open formal office to act as an agent for share transfer purpose for their shareholders by doing so the banks can enhance the transferability of shares.

  • af Jayanta Kumar Nandi
    337,95 kr.

    Master's Thesis from the year 2009 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 9.8, University of Burdwan, language: English, abstract: The present study seeks to examine the trends in the financial performances of 15 banking companies, major players in the Indian money market, during the period 1996-97 to 2006-07. In this study 8 major public sector banks and 7 private sector banks in India have been selected. The performances of public sector banks have become more market driven with growing emphasis placed on profitability. Though there is a phenomenal development in both public and private sector banks in India after reforms yet the private sector is still lagging behind comparatively in this study.With the nationalization of the most of the major commercial banks in 1969, restrictions on entry and expansion of private and foreign banks were gradually increased. The Reserve Bank of India (RBI) also began enforcing uniform interest rates, spreads and service changes among nationalized banks. The success of our giant five year plan is dependent, among other things on the smooth and satisfactory performance of the role by banking industry of our country. Banks thus pay special attention in financing business of innovation for providing cheap and adequate credit. And this is done by different private and public sector banks in money market in our country.Since 1992-93, the structure of the Indian banking system has undergone significant changes in terms of scope, opportunities and operational buoyancy. The commercial banks have been facing and increasing degree of competition in the intermediation process from term lending institutions, non-banking intermediaries, chit funds and the capital market. Besides, new banking services like ATM and internet banking have been emerged due to the advancement of computers and information technology.

  • af Felix-Sebastian Ament
    164,95 kr.

    Research Paper (undergraduate) from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, The FOM University of Applied Sciences, Hamburg, course: Strategic Corporate Management, language: English, abstract: The goal of this thesis is to analyse the strategies of FinTechs. The paper should give an orientation on how FinTechs position themselves in the traditional banking sector. This is done with help of a case study. For this purpose, the decisive developments, and drivers of the FinTech industry will be described first after a narrowing of the term FinTech and its subcategories. In the case study, the environment of Bank N26 is first examined using a PESTEL analysis. Based on the insights gained, the strengths and weaknesses of the online bank are adapted using a SWOT3 analysis. Finally, the evaluation and recommendation include the formulation of Strategic Fields of Action for Bank N26. Since a more detailed discussion of implementation would go beyond the scope of this text, the work concentrates exclusively on the strategically relevant factors and makes only concrete recommendations for strategy orientation but not for implementation. In recent years, the FinTech industry has been able to collect considerable Investments. While the number of newly founded FinTech Start-Ups is decreasing, especially FinTech companies from the Banking Sector FinTech can collect large sums in the later funding rounds. In absolute terms, the USA dominates both operationally and in total investments. The UK also plays a major role in the European environment. Technology has been adopted by the banks at a very early stage in the electronic markets, but the impression arises that young FinTech Start-Ups often reach the end customer better and satisfy needs more efficiently. For established financial companies, the question is how they can respond to changing user behaviour and how they can interact with these new market participants. FinTech Start-Ups, contrary, face the challenge of differentiating themselves from existing business models.

  • af Samantha Kim Schönhaber
    164,95 kr.

    Seminar paper from the year 2020 in the subject Business economics - Operations Research, grade: 2,0, University of applied sciences Frankfurt a. M., course: MBA, language: English, abstract: This essay is concerned with an evaluation of the mission and vision statements of the ING Bank. What does the "best bank" do and are mission and/or vision statements related to the strategy and success?"The World's Best Banks: ING And Citibank Lead The Way", is the title of an article published in the Forbes magazine in March 2019. The author cites ING`s Head of global retail banking, Ignacio Juliá Vilar, with the following: ¿The mission of ING is for our customers to stay a step ahead in life and business,¿ Since she read this article the author knew that she wanted to find out more about ING¿s mission and how it is related to the success of the bank.Therefore, this assignment will start with the general introduction and the definition of mission and visions statement. To make this topic more explicit we will investigate the mission and the vision statements of ING Bank more closely. The interpretation in 3.2 Evaluation of ING¿s mission and vision statements of the mission and vision statement are done freely without any insight information, only public available sources were used here. It follows that interpretation can differ from ING¿s actual interpretation. Next to that a summary of the current banking environment will be given to complete the challenges and opportunities for the bank. To bring mission and vision statement together with strategy the Balances Scorecard developed by Robert S. Kaplan and David P. Norton will be introduced. It will be used as a tool to translate mission and vision into goals and actions. Next to that the Balances Scorecard extends the financial perspective with the customer, the internal business processes and the learning and growth perspective to measure and manage the tangible and intangible assets of the bank.

  • af Saleamlak Yemane
    337,95 kr.

    Research Paper (undergraduate) from the year 2019 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main objective of this study is to explore Ethiopian public enterprises in light of competition neutrality framework with particular emphasis to the banking sector.Establishing SOEs is one of the modes of government intervention in the economy. Such direct role of the government in the economy will have both positive and adverse effects in the commercial environment. It has positive contributions since public enterprises tried to achieve different social objectives as their primary roles. In contrast, as a result of being owned by the government, they are preferential treated in different manners that impede business activity of private undertaking in the same market. Such preferential advantages are not based on better performance, superior efficiency, better technology or superior management skills but are merely government-created. To overcome such adverse effects the OECD come up with a competition neutrality framework that connotes a similar set of rules to public enterprises and private undertaking. It further demonstrates major set of rules from different countries experiences. These are the similar rules in taxation regime, procurement rules, bankruptcy rules and proceeding, the general applicability of the competition law and its enforcement, and the prohibitions of subsidies including exclusive market advantages. Currently the Ethiopian government own public enterprises in different sectors of the economy that needs critical assessment from competition neutrality points of view. The Ethiopian banking sector in general and one of the state owned bank called CBE conducts are criticized as competition distorting. This triggers the study to explore the status of SOEs in light of the areas of competition neutrality framework particular emphasis to the banking sectors. The research was conducted based on qualitative research approach by analyzing laws, documents and data collected through interview. This research is particularly studied by exploring the legal and practical treatment of private and public banks from Ethiopian taxation regime, public procurement ,competition law and enforcement, bankruptcy laws and de facto/de jure exclusive markets. Moreover, it tried to pin point adverse effects of such anti competition neutrality rules on private banks.

  • af George Kariuki
    157,95 kr.

    Essay from the year 2019 in the subject Business economics - Economic Policy, grade: 90.00, , language: English, abstract: The Bank of England gained operational independence in 1997 (Taaffe, 2017). It functions as the central bank for the United Kingdom. The bank started operations in 1694 as a private institution with the power to raise money for the government through the issuance of bonds. It then accepted deposits like other commercial banks. BoE was first issued with the monopoly of issuing banknotes in England and Wales in 1844. It was then nationalized in 1946 after World War II. In 1997, the functions of monetary policy were relinquished by the government to BoE (King, 2017). Like any other central bank, it has wide range of responsibilities. Since its independence, the bank functions as the lender of the last resort, the United Kingdom¿s bank, issue currencies, and formulate monetary policy. It also makes policies during periods of economic downturns and increased uncertainty.

  • af Edikan Ukpong
    157,95 kr.

    Academic Paper from the year 2013 in the subject Communications - Media Economics, Media Management, grade: B (60), , language: English, abstract: Over the years, the advent of Information Communication Technologies has brought remarkable changes to the way people live their live and do businesses today. Most sectors of our economy both nationally and globally are fast adopting the use of Information and Communication Technologies to advance the course of their duties; to enhance quality customers¿ service delivery and internal operations. This has brought about remarkable development in these sectors of our economy. Most specifically to the context of this work, the banking industry in Nigeria has undergone remarkable development strides in the bid to improve on the quality of service rendered to its customers and to enhance the profitability of its internal operation.

  •  
    164,95 kr.

    Seminar paper from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, University of Applied Sciences - Hachenburg Castle, language: English, abstract: The aim of this paper is to present the different proposals of the Basel Committee on Banking Supervision (BCBS) on the internal ratings-based (IRB) approach for credit risk and to find out about the effects that such measures may have on the financial sector as well as assessing if the measures are sufficient to reach the aspirations of the BCBS.The remainder of this paper is organized as follows. The next section briefly describes the IRB approach under the Basel II accord and its current design. Section 3 discusses the reasons for the excessive variability in the regulatory capital requirements for credit risk. The focus of this paper is placed on section 4. It presents the different proposals concerning the IRB approach of the BCBS consolation document. Section 5 investigates the effects of the proposed measures of the BCBS. The final section summarizes the main conclusions.

  • af Adrian Schmid
    337,95 kr.

    Master's Thesis from the year 2016 in the subject Business economics - Investment and Finance, grade: 1.3, University of Frankfurt (Main) (Chair of Banking and Finance, Faculty of Economics and Business Administration), language: English, abstract: As the last global financial crisis has shown, macroeconomic shocks have huge impacts on numerous economic sectors. The distortions caused by the crisis led to world-wide declines in trade, output and employment. This paper takes special emphasis on bank leverage ratios. Our longitudinal sample ranges from 2004 to 2015, including 5,069 observations of 483 banks in the United States and Europe. Our investigations are based on a modified Gropp and Heider (2010) style linear two-way error component model that uses leverage determinants of non-financial firms to describe bank capital structure. It is investigated how bank capital structure and its determinants respond to the financial crisis. The results show that the financial crisis had strong impacts.

  • af Valentin Stockerl
    164,95 kr.

    Seminar paper from the year 2019 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,0, University of Frankfurt (Main), course: Inspecting the European Banking Sector, language: English, abstract: In the novel monetary environment of negative interest policy rates (NIPR) in the Euro area, it is questionable whether the existing findings on determinants of Net Interest Margins (NIM) still hold. This paper analyzes differences in the development of NIM across business models represented by a set of three indicators prior to and after the introduction of NIPR. The strategies are based on a binary categorization between high and low levels of the business indicators using a median, 67-33 and 80-20 percentile cut-off rule. I use a difference in differences (DiD) estimation approach, even though NIPR impact all banks¿ NIM. Thus, the obtained estimates do not measure the impact of NIPR itself, but the DiD between strategies. I mostly find positive albeit insignificant effects on banks with low asset held for trading, high deposit and customer loan ratios. In contrast, the DiD coefficient for banks with high deposit-based financing using an 80-20 cut-off is -14 bp, which proves to be a highly significant and economically relevant. These findings support the notion that multiple channels are affecting banks¿ NIM.

  • af Andrés Riera
    337,95 kr.

    Master's Thesis from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 5.5/6, University of Zurich, language: English, abstract: Supervisory stress tests conducted in recent years by the European Banking Authority (EBA) provided potentially useful information to banks¿ management. This paper examines empirically the hypothesis that the stress test results published have influence on banks¿ ongoing risk mitigation efforts. The hypothesis rests on the evidence that stress tests have induced a reaction in bank equity and debt markets, which in turn sends a clear market signal to banks¿ management. The concept of market discipline implies that market prices can influence the banks¿ management in terms of their risk mitigation decisions. Using a difference-in-differences approach, it is measured how banks reacted to their respective stress test results. The evaluation shows a general rise in risk mitigation efforts of EU banks when looking at average total capital ratios since 2007. However, the results do reject the hypothesis that banks with low stress test scores have a stronger incentive to mitigate risk after the stress test publication. Yet low score banks demonstrate that adequate capital buffers were already set in place long before the stress test results. The higher capital buffers are reflected in above average total capital ratios of low score banks. This fact indicates that these banks might have reacted already before the stress test publication to make up for the higher asset risk exposure by growing stronger capital buffers.

  • af Manisha Kumari Deep
    157,95 kr.

    Scientific Essay from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 3, , language: English, abstract: Blockchain technology which has been discovered almost a decade ago is one of the disruptive technology of the decade. Every industry is talking about it. It is the most versatile technology being used in almost every industry like pharma, cloud, retail, insurance, banking and so on. In this paper Blockchain technology has been discussed briefly highlighting its characteristics and features. The second section talks about Blockchain in Banking industry and its role and main benefits to this industry. Proceeding section lists out the banks who have successfully used Blockchain technology in their business. Third and fourth section talks about top five factors accelerating and hindering adoption of Blockchain technology and its impact on banking. Last section discusses the future of Blockchain technology in banking. All the points and aspects and have been carefully weighted and interpretation stated on why currently Blockchain cannot be adopted as mainstream technology. Keywords: Blockchain technology, Private Blockchain, Ledger, Decentralization, Dynamic Trust Management Method (DTMM), Public BlockchainOther Reads by the AuthorThe Trial of Hope (Amazon)An Alien Land (Kobo)2 Moms (Kobo)Unfolding Disaster (Kobo)Walk to School (Kobo)51 Points in Raising Awesome Kids (Kobo)Organic IT Infrastructure Planning and Implementation (Amazon)Grin BooksPositive Employee Recruitment and Retention Vital for OrganizationsDigital India Mission. Implications on Social Inclusion and Digital CitizenshipCloud Computing. DDoS, Blockchain, Regulation and ComplianceOrganic eLearning (OE-Learning)The Way of Prime Minister Narendra Modi's LeadershipFeasibility Study between Continuous Adaptive Risk and Trust Assessment and Organic NetworksI am my supervisor¿s slave: Supervisor subordinate relationship is vital for organizational efficiencyBrands and their Shockvertisement StrategiesThe Future of Blockchain in BankingSocial Media Marketing: Author¿s Quandary Decoded (Amazon)

  • af Tonprebofa Okotori
    374,95 kr.

    Master's Thesis from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 4.24, Wilberforce Island (School of Post Graduate Studies), course: Banking and Finance, language: English, abstract: The aim of this study was to investigate the effect of monetary policy variables that were consistently adopted by the Central Bank of Nigeria (CBN), on the inflation rate in Nigeria for the period 2009-2014. Two key issues where addressed; one, whether there was a significant relationship between the policy variables adopted and inflation. Two, whether the combined impact of all these variables adopted, was significant on the inflation rate. Data was sourced from the CBN¿s statistical bulletin 2014, from the website of the CBN and the National Bureau of Statistics (NBS). The Ordinary Least Squares (OLS) method was adopted because of its best linear unbiased estimation (BLUE) property. The Augmented Dickey-Fuller test for stationarity, showed that the variables were all stationary at order one (1). Cointegration test also revealed that a long run relationship exists among the variables. The results show that apart from the MPR, all other policy variables were significant at the 5% level of significance (the monetary policy horizon) and this addressed the first key issue highlighted. For the second key issue, the estimation model displayed that all the explanatory variables adopted by the CBN (as used in this research) accounted for 61% of the variation in the inflation rate as regards its rise or drop. Hence, the combined effect of all the variables adopted by the CBN did reduce the inflation rate, as the monetary policy shocks did get traction on the economy in arriving at the policy trajectory of an inflation band of 6-9%. The CBN should constantly examine its policy environment to determine the instrument mix optimization that best serves its prime purpose of macroeconomic stability, especially when its inflation target is achieved.

  • af Caroline Mutuku
    157,95 kr.

    Essay from the year 2018 in the subject Business economics - Investment and Finance, grade: 1.9, , language: English, abstract: In retrospection, the history of banking in this context can be of paramount significance to understand the broad paradigm of banking, its relation to the history of money which gradually became the medium of exchange in the modern world. Banking transactions preceded the invention of money in the ancient world. In those ancient times, agrarian revolution is known to have led to production of agricultural produce owing to tilling of land using iron implements invented during the iron-age. Trade flourished as people exchanged various goods for other goods. Consequently, surplus and inadequate production saw the emergence of such practices as deposits and loans. For instance, loans acquisition dates back to the 2nd century BC IN Mesopotamia. Moreover, banking transactions such as deposits of grains, cattle and later the precious metals such as gold are documented to have been practiced as basic tools of trade. Gold and other precious metals gradually emerged as the medium of trade, in the form of easy-to-carry plates. Palaces and temples are known to have served as ancient banks where gold could be stored for matters of safety. Temple priests and monks issued loans to merchants. Later on, laws to govern banking operations were laid down as banking practices became wide spread. The merchant banks invented by Italian grain merchants were the first banks in the middle Ages. Afterwards, civilization over generations led to two distinct banking systems partially based on religion: the Islamic and western (conventional) banking systems. Variant banking systems in operation today can be accrued to matters of religious doctrines with Islamic banking showing a distinct paradigm owing to the strict sense of Islamic law from the conventional western banking in common practice. A comprehensive comparison is therefore mandatory if a clear distinction based on the fundamental similarities and differences between Islamic banking and western banking paradigms are to be unearthed.

  • af Symon Nyalugwe
    374,95 kr.

    Master's Thesis from the year 2016 in the subject Economics - Finance, grade: C, , course: MBA, language: English, abstract:

  • af Moritz Meyer
    157,95 kr.

    Essay from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 69%, University of Strathclyde, language: English, abstract: Credit rating agencies are defined by Dittrich (2007) as companies which provide an opinion about the credit worthiness of a particular company, security or obligation by rating them on the basis of several parameters which are traditionally not publicly known. They also rate bonds issued by governments and municipal bonds specifying their ability to service their debts. On the contrary, according to Partnoy (2017) they usually provide an alphabetical letter score, which symbolises the forward-looking opinion of the credit rating agency on the credit worthiness of the rated obligor on a specific date. Therefore, the credit rating agencies are able to reduce information asymmetry by providing useful information to participants in debt markets and potential investors, which makes the credit rating agencies highly important as claimed by Utzig (2010). This transparency of information would otherwise not be available. On the other hand, Benmelech (2017) describes credit rating agencies as reputational intermediaries that bridge the information gap between issuers and investors by their ability to produce and accumulate credible information about debt issues. The score awarded by rating agencies enables the investor to decide whether or not to invest their money. The credit rating agency market is, as pointed out by Benmelech (2017), dominated by three big players as an oligopoly. Research by Partnoy (2017) and ESMA (2016) discovered that Moody's Investors Service Plc. and S&P Global Ratings Inc. (S&P) control the market with around 80 percent market share followed by Fitch Ratings Inc. which controls a further 15 percent.

  • af Moritz Meyer
    157,95 kr.

    Essay from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 67%, University of Strathclyde, language: English, abstract: Banks are defined by Gertler and Karadi (2011) as commercial institutions which act as financial intermediaries in the financial market. Imperfect capital markets where transaction costs and asymmetric information exist are the reasons for the existence of banks, as stated by Scholtens and van Wensveen (2000). According to Allen and Santomero (2001) their aim is reallocating the resources of economic units with surplus funds, when they have more money than they need to spend, to economic deficit units, when they need to spend more money than they have. To do this, they must be in possession of a banking license, as explained by Ajwain (2010). As highlighted by Kashyap et al. (2017) they are using both sides of their balance sheet in doing so. In fact, they are taking deposits from savers and making loans to borrowers. Kashyap et al. (2002) argued that this kind of business is subject to three tasks of transformation. The first transformation is maturity. Typical bank loans given are medium or long-term, while received deposits are usually payable on demand. Secondly, there is risk transformation regarding the capability of intermediaries to diversify risks such as default risks of bank loans or interest risks of bonds bought by the bank. The third task of transformation refers to size issues. Banks pool small savings of savers to make large loans to borrowers. Banks are, as outlined by Sikdar and Kumdar (2017), also providing payment services to their customers. In doing their business, banks concentrate on the mass market with focus on individuals and smaller businesses, as described by Ashton (2002). Byers and Lederer (2001) call these kinds of banks inside the whole banking industry retail banks.

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