Bank Management Part A Investment income= Interest income – Interest expense = [(400 x 5%) + (450 x 7%)] – [(600 x 1%) + (200 x 2%)] = (20 + 31.5) – (6 + 10) = 51.5 – 16 = £35.5 mm Net Interest Margin (NIM) = (Investment income – Interest expenses) Average Earning Assets = £35.5/ £850 = 4.2% GAP = Rate sensitive assets – Rate sensitive liabilities = £400 – £600 = – £200 Bank A will most likely experience a rise in interest income owing to an increase in interest rates. Based on the GAP model, -£200 more in assets compared to liabilities will reprice at escalated rates. Change in net interest income owing to 2% upward change in yield curve = change in rates x GAP = (200 x 0.02) = +4 NIM would rise to 39.5/ 850 = 4.6% Change in net interest income owing to 2% upward change in yield curve = change in rates x GAP = (200 x 0.01) = +2 NIM would rise to 37.5/ 850 = 4.4% Part B…
The Start of the Anthropocene Geologists, evolutionary biologists, and earth scientists divide the history of the Earth into epochs, periods, and eras. These disciplines use the environmental history of planet Earth to classify geological periods. For a long time, the world was in the Cenozoic era, the Quaternary period, and the Holocene epoch, which refers to the last 12,000 years of world history. The Holocene epoch is one of the most stable ones in the history of the world. During this era, the world has witnessed essential developments in human history covering all world civilizations, advancement in agriculture, and the start of the Industrial Revolution. However, from 2000, there is a discussion about the emergence of another epoch, the Anthropocene. The development is critical because it tries to explain the changes taking place on planet Earth because of human activities. The term Anthropocene is a combination of two Greek words Anthropos (meaning humans) and “-cene,” the suffix that describes in the names of geological epochs. The idea began to take shape in 2000 and has evolved widely and diversely ever…
Best Download Slots Casinos- Where Can You Download Real Money Slots Introduction When you go to the casino, the main aim is to have fun and still bag some winnings. You can do this by playing the games available in the casino or download and have fun with your favorite games. Downloading the casino software means that you will have a larger variety of games to play, and what that translates to is more fun! If you intend to play with real cash, you do not want to risk losing all your hard-earned money by placing your bets on fake casinos or that are not worthy. With very many free slots games to download from the internet, it can be quite confusing what to download or not to. In this review, I am going to guide you through some of the best download slots available. In case you are wondering why you should opt for free slots download, I am going to explain to you some of the advantages you get by playing download slots and some of the features…
Research Essay: How Does Conservation of Biodiversity Promote Economic Development in Australia? Biodiversity is a hot topic that emanates from the current state of affairs of climate change. For too long, the literature on the interrelationship between economic statuses of nations and environmental conservation has been very scanty. However, in the late 20th century, researchers began to make a connection between poverty levels and the state of biodiversity conservation in respective geographic locations. The nexus between poverty and biodiversity degradation has been one of the many focuses of the United Nation’s Millennium Development Goal. Australia is one amongst the developed nations whose state of biodiversity is worth studying, given the current efforts put by the government to promote the indigenous practices and biome. At all levels of governance, the country has enacted tacit legislations to protect the integrity of diversity. In as much as the overall research points that Australia’s biodiversity has reported a steady decline, the current legislations stand out as bold steps that can promote economic benefits associated with protecting biodiversity. From the year 2011, Australia has been…
SWOT Analysis of Riyad Bank Riyad Bank is a financial institution in GCC, specifically Saudi Arabia. It is one of the most established financial institutions in the KSA, founded in the 1950s. The government is the majority shareholder, with a stake of 51 percent. The bank is appropriately managed, and that is why it has been able to withstand several challenges in the banking industry. The bank, like any other commercial bank, is regulated by SAMA (Saudi Arabian Monetary Authority). With such a considerable investment by the government, mismanagement is unlikely. The institution is under the control of the Saudi Arabian government. Because of the punitive nature of the government, it will be difficult for someone to dare mismanage the bank. Riyad Bank has been strategic in its operations, and that is why it has been able to survive in the banking industry. This bank has been entering into merger deals as a strategy to grow its control of the banking sector in the Kingdom. SWOT Analysis of Riyad Bank The SWOT analysis of Riyad Bank will be done as…
Finance for managers Finance for managers’ course is essential since its emphasis on effective management of funds to aid in achieving profit maximization and shareholders’ wealth maximizations. The attainment of these objects enables the organization to achieve its set objective in a competitive environment. the mains items that have covered in the course, they include financial goals, working capital, determining the firm’s value, stock valuation, working capital, and capital budgeting(Ahmad & Malik, 2014). The finding from the PA1 documented the importance of working capital to the organizations. The existence of effective working capital is essential since it contributes towards boosting the organization’s financial health and position in the competitive enabling the organization to thrive in the competitive environment. Working capital is an integral measure of the liquidity position of the organizations. The liquid organization is the one that has the potential of honoring their obligation when they fall due. Stock valuation, on the other hand, aims at establishing the theoretical value or intrinsic value that the share can be sold or purchased. This is essential since it enables the organization…
Tourism Introduction Tourism is the second-largest source of income after agriculture, making it an essential sector in the Kenyan economy. However, for most of the African nations such as Kenya, international arrivals have been a significant boost for the tourism sector. For instance, in the year 2013, Kenya received over one million foreign tourists making Kshs. Ninety-six billion (Kihima, 2015). Despite the significant step by the Kenyan government to promote domestic tourism, numerous factors such as poor road networks tend to affect the sector leading to low revenues. Security is one of the major threats affecting the performance of tourism in Kenya. With the rising cases of terrorism and political unrest in the country, both the foreign and domestic tourists always want to be assured of their security when visiting tourist sites (Mburugu & Rotich, 2015). Also, poor infrastructure, as well as lack of quality hotels in some counties, prevents travelers from visiting such regions. In Kenya, the majority of the sites, reserves, and game parks are in the arid and semi-arid areas of the country, and in most cases,…
Objectives of determining and forecasting travel demand Travel Demand Forecasting allows the engineer to predict the volume of traffic that will use a given transportation element in the future, whether that element is an existing highway or a potential light-rail route. Like many other ‘predictive’ sciences, Travel Demand Forecasting is continually growing. Special refinements based on experience and researches are proposed each year, but the general ideology behind Travel Demand Forecasting has remained relatively untouched. The travel demand forecasting process can be confusing. Objectives of determining and forecasting travel demand Modern societies experience a growing demand for passenger and freight movement. Accurate forecasting of the total passenger and freight demand and the competitive (or substitutive) and complementary relationships among transport modes are necessary inputs in planning, designing, evaluating, and regulating transport and supply chain systems. Transport investment, especially investment in highway, rail, airport, and seaport infrastructure require long-term financial commitments, and the sunk costs can be very high if the investment projects fail to fulfill their design capacities. Therefore, accurate prediction of the long-term demand for using transport or some…
Amazon’s supply chain and Logistics Introduction Amazon is one of the largest online retailers in America. Jeff Bezos founded the company in 2994 with the mission, “We strive to offer our customers the lowest possible prices, the best available selection, and the utmost convenience.“ It initially started as a book seller. Today, it is involved in trading several customer goods and services. Some of the goods traded by the company include televisions, e-book readers, and food stuffs among others. On the other hand, services offered to customers by Amazon include cloud printing and online streaming among other digital online services. The company conducts its business transactions through its website, Amazon.com. However, The Company is in a competition race involving several other related companies. Some of the primary competitors are Walmart, Costco, Target (NYSE:TGT, Alphabet (NASDAQ:GOOG), among others. These competitors are challenging to Amazon’s operation since they offer several similar retail goods and services as offered by Amazon. Besides, Amazon has been able to maintain a sustainable development due to its strategies as explained under its supply chain and logistics worldwide.…
List the benefits and challenges of big data in the 21st-century globalized economy. The benefits of big data in the 21st century include: To Generate Commercial Intelligence in that the big data is used to excerpt the business intelligence by analyzing better decision making to boost business progress. It assists in understanding the purchaser’s needs and greatest demanded goods and improved business choices. Another benefit is that it has the capability to strengthen data analysis practices against being swindled. In addition, big data allows assessors to gather and analyze information outside of financial reports like online reviews. The challenges affecting the big data include: Encryption of data in Transit and Rest as there is the necessity to use improved encryption and decryption method to provide data in transit and at rest protection but still it has not been implemented yet. Another challenge is about access Control whereby there are difficulties in implementation of the Role-Based Access Control as well as the Attribute-Based Access Control, which help in running the business. What are some of the risks and how the risk…