This Excel workbook contains examples for calculating credit risk metrics such as exposure at default, loss given default, probability of default, expected loss, and accrued interest. The examples include calculations for term loans, credit cards, mortgages, corporate bonds, and average exposure at default. The document also provides statistics on loss given default percentages for different asset classes. The workbook is intended to demonstrate techniques from the textbook "Managing Credit Risk Under The Basel III Framework".
The financial markets have recovered due to the massive stimulus measures. The total return on Veritas’ investments was 3.3 per cent in January–March. Good investment returns strengthened Veritas’ solvency.
Historic performance of income beneficiary remainder man trust from inception...scherny
Total return performance in income beneficiary remainder man trust. These results were obtained in a difficult market, however, using dividend stocks and buy/write strategies risk was contained and income obtained.
Imputation credit (franking credit) discussed in this financial management assignment is the credit given to the shareholders on the part of the taxes paid by the company on profits so that the dividends distributed by the company could be saved from double taxation
AgeWage - helpiling millions to a better retirementHenry Tapper
This is AgeWage in July 2018. You'll be able to track its progress as we post updates about us - but for now we are a very small business with very big ideas!
Banca IFIS: an excellent 2013
The CEO Giovanni Bossi: the result we are most proud of is the Bank's asset quality.
A 0,57 Euro dividend per share proposed to the Shareholders' Meeting.
Full year 2013 1 January – 31 December
• Profit for the year up 8,5% to 84,8 million Euro, and up 18,5% to 92,7 million Euro not accounting for the effects of the Finance Act.
• Net banking income increasing by 7,9% to 264,2 million Euro.
• Net profit from financial activities rising 14,9% to 219,6 million Euro.
• Excellent cost/income ratio, 28,9% (27,8% in 2012). • Net non-performing loans/total loans in the Trade Receivables sector: 2,6% compared to 4,3% (December 2012).
• ROE, equal to 24,8%, remains at excellent levels.
• Solvency: 13,5%.
• Core Tier 1: 13,7%.
Browse the interactive 2013 annual report website: http://bilancio.bancaifis.it/en
The financial markets have recovered due to the massive stimulus measures. The total return on Veritas’ investments was 3.3 per cent in January–March. Good investment returns strengthened Veritas’ solvency.
Historic performance of income beneficiary remainder man trust from inception...scherny
Total return performance in income beneficiary remainder man trust. These results were obtained in a difficult market, however, using dividend stocks and buy/write strategies risk was contained and income obtained.
Imputation credit (franking credit) discussed in this financial management assignment is the credit given to the shareholders on the part of the taxes paid by the company on profits so that the dividends distributed by the company could be saved from double taxation
AgeWage - helpiling millions to a better retirementHenry Tapper
This is AgeWage in July 2018. You'll be able to track its progress as we post updates about us - but for now we are a very small business with very big ideas!
Banca IFIS: an excellent 2013
The CEO Giovanni Bossi: the result we are most proud of is the Bank's asset quality.
A 0,57 Euro dividend per share proposed to the Shareholders' Meeting.
Full year 2013 1 January – 31 December
• Profit for the year up 8,5% to 84,8 million Euro, and up 18,5% to 92,7 million Euro not accounting for the effects of the Finance Act.
• Net banking income increasing by 7,9% to 264,2 million Euro.
• Net profit from financial activities rising 14,9% to 219,6 million Euro.
• Excellent cost/income ratio, 28,9% (27,8% in 2012). • Net non-performing loans/total loans in the Trade Receivables sector: 2,6% compared to 4,3% (December 2012).
• ROE, equal to 24,8%, remains at excellent levels.
• Solvency: 13,5%.
• Core Tier 1: 13,7%.
Browse the interactive 2013 annual report website: http://bilancio.bancaifis.it/en
In this paper, we analyze the effect of socially responsible investments within a multi-asset portfolio optimization model. We also attempt to bridge the gap in the real estate literature between sustainability principles and investment analysis. To this aim, listed real estate companies with an active sustainability agenda, identified through the MSCI ESG database, represent the sustainable real estate asset class. Applying a downside risk approach by using a conditional value at risk (CVaR) optimization technique, we establish empirically whether diversification benefits can be achieved by investing in companies with a proven track record in sustainability. Our results highlight the potential contribution of listed real estate companies with high sustainability ratings to an institutional investor’s portfolio taking into account differences in investment style and risk aversion.
From Good to Great: How to Ace Your Marketplace FundraiseBattery Ventures
At the Marketplace Conference Online December 2020, Battery Ventures' Justin Da Rosa teamed up with Speedinvest's Philip Specht on the core marketplace metrics investors evaluate during the fundraising process from seed to growth.
Quantitative Analysis of Retail Sector Companiesprashantbhati354
In-depth quantitative analysis of the UK's three big retail sector companies, ASOS Plc, M&S, and WH Smith. In this, I have done descriptive statistics analysis, performance comparisons, stock price estimation with the help of time series analysis, beta estimation, and many more to find the future growth and profitability of the companies.
In this paper, we analyze the effect of socially responsible investments within a multi-asset portfolio optimization model. We also attempt to bridge the gap in the real estate literature between sustainability principles and investment analysis. To this aim, listed real estate companies with an active sustainability agenda, identified through the MSCI ESG database, represent the sustainable real estate asset class. Applying a downside risk approach by using a conditional value at risk (CVaR) optimization technique, we establish empirically whether diversification benefits can be achieved by investing in companies with a proven track record in sustainability. Our results highlight the potential contribution of listed real estate companies with high sustainability ratings to an institutional investor’s portfolio taking into account differences in investment style and risk aversion.
From Good to Great: How to Ace Your Marketplace FundraiseBattery Ventures
At the Marketplace Conference Online December 2020, Battery Ventures' Justin Da Rosa teamed up with Speedinvest's Philip Specht on the core marketplace metrics investors evaluate during the fundraising process from seed to growth.
Quantitative Analysis of Retail Sector Companiesprashantbhati354
In-depth quantitative analysis of the UK's three big retail sector companies, ASOS Plc, M&S, and WH Smith. In this, I have done descriptive statistics analysis, performance comparisons, stock price estimation with the help of time series analysis, beta estimation, and many more to find the future growth and profitability of the companies.
We are all looking for a regular and passive source of income, right? Now, you can withdraw a set amount of money from your mutual fund investments every month/quarter through a process called Systematic Withdrawal Plan (SWP).
Think of it as a SIP but in reverse. It’s a simple concept but very powerful with respect to the amount of flexibility it provides you compared to other sources of regular income like FDs, rental income etc. Here are some of its benefits:
✅ Flexibility: Choose between monthly/quarterly/bi-annual payments
✅ Liquidity: Withdraw the corpus anytime, if required
✅ Tax Benefits: Earn significantly higher post-tax returns than FDs
✅ Returns: Potential to beat inflation and grow your invested amount
SWP is a very useful and powerful tool if you are a retiree or looking to draw income from a pool of money that you have set aside. For example: If you have accumulated 25 lakhs rupees, you can easily start getting INR 10,000 per month via an SWP and also proportionally increase this amount every year to match the inflation. This ensures that you are able to get regular cash flows and at the same time grow your capital.
Presenting this set of slides with name - Fixed Investment Analysis Powerpoint Presentation Slides. We bring to you to the point topic specific slides with apt research and understanding. Putting forth our PPT deck comprises of thirtynine slides. Our tailor made Fixed Investment Analysis Powerpoint Presentation Slides editable presentation deck assists planners to segment and expound the topic with brevity. The advantageous slides on Fixed Investment Analysis Powerpoint Presentation Slides is braced with multiple charts and graphs, overviews, analysis templates agenda slides etc. to help boost important aspects of your presentation. Highlight all sorts of related usable templates for important considerations. Our deck finds applicability amongst all kinds of professionals, managers, individuals, temporary permanent teams involved in any company organization from any field.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
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Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
1. Example Index
Copyright 2018 CapitaLogic Limited
Example Description Excel technique
1 Term loan
2 Credit card
3 Mortgage
4 Stress testing on monthly mortgage payment
5 Corporate bond
6 Average EAD
7 Statistics on LGD
8 Accrued interest
This Excel workbook is prepared in accordance with
Chapter 2 of the text book
"Managing Credit Risk Under The Basel III Framework, 3
rd
ed"
Authored by : Dr. LAM Yat-fai (林日辉)
Principal, Structured Products Analytics, CapitaLogic Limited
Adjunct Professor of Finance, City University of Hong Kong
Doctor of Business Administration
CFA, CAIA, CAMS, FRM, PRM
Website: https://sites.google.com/site/crmbase
E-mail: crmbasel@gmail.com
Copyright 2018 CapitaLogic Limited
6. Example 5 Corporate bond
Day Regular Accrued
1 0.0165 LGD 60%
2 0.0330 PD 3%
3 0.0495
4 0.0659 Hazard rate 3.05%
5 0.0824 Daily hazard rate 0.0084%
6 0.0989 Normal [0,1] 0.9999
7 0.1154 Survival period ########
8 0.1319
9 0.1484 Principal 100
10 0.1648 RM 5
11 0.1813 Interest rate 6%
12 0.1978 Interest frequency 2
13 0.2143 No. of days between interests 182
14 0.2308 Daily accrued interest 0.0165
15 0.2473
16 0.2637 Default day 106687
17 0.2802 Within the RM? No
18 0.2967 Accrued interest
19 0.3132 EAD
20 0.3297
21 0.3462
22 0.3626
23 0.3791
24 0.3956
25 0.4121
26 0.4286
27 0.4451
28 0.4615
29 0.4780
30 0.4945
Interest
Copyright 2018 CapitaLogic Limited
7. Example 6 Average EAD
Principal 1,000
Interest rate 6%
Interest frequency 2
Maturity 31 Dec 2021
Today 31 Dec 2016
Year Cash flow
30 Jun 2017 30
31 Dec 2017 30
30 Jun 2018 30
31 Dec 2018 30
30 Jun 2019 30
31 Dec 2019 30
30 Jun 2020 30
31 Dec 2020 30
30 Jun 2021 30
31 Dec 2021 1,030
Average EAD 1,015
LGD 60%
PD 3%
RM 5
EL 86.03
1-year EL 18.27
Copyright 2018 CapitaLogic Limited