The document provides financial information about a bank for investors. It includes quarterly financial results showing increased revenues, growth in retail lending, and return on equity above 10%. Contact information is provided for investors to obtain additional details from the bank's website or by email and phone.
Money classification & fiscal, monetary policy is described with the effects on the variables like exchange rate, interest & inflation rates of a country. The major money groups as part of the savings accounts & deposits with central & other commercial banks are interpreted in order to classify the money.
Money classification & fiscal, monetary policy is described with the effects on the variables like exchange rate, interest & inflation rates of a country. The major money groups as part of the savings accounts & deposits with central & other commercial banks are interpreted in order to classify the money.
This presentation is pledged to explain the London interbank offered rate scandal (LIBOR) that came to light in 2012 after one of its main offenders; the Barclays bank accepted about the manipulation of the interest rate. This scam was conducted due to the unethical practices by top executives, traders and employees. LIBOR manipulation was the result of unethical approach of top management and traders. London Interbank offered rate (LIBOR) is the largest financial scandal of all time.
A report to (a) critically explores the role played by both individuals and organizations in the LIBOR scandal fraud, taking into account the wider socio-cultural context, (b)Recommendations provided to organizations to prevent future scandals similar to the LIBOR.
In writing your report range of academic sources, newspaper coverage, analyst reports, and other relevant sources have been kept together to illustrate the arguments.
The main body of the report offers a coherent, well-focused, pervasive and original argument that is relevant to the targeted audience, providing appropriate support and justification.
The conclusion will provide a good analysis of the evidence with clear and well-justified conclusions
LIBOR serves as a benchmark that gives an indication of the rate at which banks can borrow from London interbank market for a given period of time.
Here is a presentation which will help you to understand the term 'LIBOR'.
A presentation from early fall about changes in the Libor and the Fed Funds Rate. We discuss the relationship between the two rates. * Leave a comment if you download, please! *
This presentation is pledged to explain the London interbank offered rate scandal (LIBOR) that came to light in 2012 after one of its main offenders; the Barclays bank accepted about the manipulation of the interest rate. This scam was conducted due to the unethical practices by top executives, traders and employees. LIBOR manipulation was the result of unethical approach of top management and traders. London Interbank offered rate (LIBOR) is the largest financial scandal of all time.
A report to (a) critically explores the role played by both individuals and organizations in the LIBOR scandal fraud, taking into account the wider socio-cultural context, (b)Recommendations provided to organizations to prevent future scandals similar to the LIBOR.
In writing your report range of academic sources, newspaper coverage, analyst reports, and other relevant sources have been kept together to illustrate the arguments.
The main body of the report offers a coherent, well-focused, pervasive and original argument that is relevant to the targeted audience, providing appropriate support and justification.
The conclusion will provide a good analysis of the evidence with clear and well-justified conclusions
LIBOR serves as a benchmark that gives an indication of the rate at which banks can borrow from London interbank market for a given period of time.
Here is a presentation which will help you to understand the term 'LIBOR'.
A presentation from early fall about changes in the Libor and the Fed Funds Rate. We discuss the relationship between the two rates. * Leave a comment if you download, please! *
Die Bühne des Lebens wird von den vier Säulen Sinn, Job, Beziehungen und Körper getragen. Wird oder ist eine dieser Säulen instabil, so fallen Sie aus dem Gleichgewicht – es droht ein Burnout.
Experte Joe N. Berchtold, Geschäftsführer und Managementtrainer der wob partner, zeigte den Teilnehmern des vergangenen Xing LearningZ-Events die Schritte zu einer ausgewogenen «Work-Life-Quality» auf.
Cloud Services: Opportunities & Challenges for East Africaitnewsafrica
Cloud Services: Opportunities and Challenges for East Africa
Danson Njue
Research Analyst – Africa
Informa Telecoms & Media
Danson.njue@informa.com
ITNewsAfrica Innovation Dinner Nairobi, 10 December 2013
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
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how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the what'sapp information for my personal pi vendor.
+12349014282
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the what'sapp contact of my personal pi vendor
+12349014282
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the what's app number of my personal pi vendor to trade with.
+12349014282
Scope Of Macroeconomics introduction and basic theories
Bank Saint Petersburg 1Q2013 IFRS Results
1.
2. All information for the investors is available on the Bank’s web site: https://www.bspb.ru/en/investors/
Contact information:
E-mail: ir@bspb.ru
Phone: +7 812 332 78 36
2
3. Strong Revenues driven by trading and F&C income RUB 4.1 bn
F&C income 23% growth y-o-y
Solid quarterly growth in retail lending 16%
Provisioning goes down
ROAE back to double digits 10.8%
Costs flat
NIM decrease is the only 1Q weakness
3
4. In RUB bn
Jan. 1, 2013
Apr. 1, 2013
YTD
Apr. 1, 2012
Jan. 1, 2013
Apr. 1, 2013
q-o-q
y-o-y
Total assets
351.37
348.86
-0.71%
340.70
351.37
348.86
-0.71%
+2.39%
Gross Loans
246.50
256.09
+3.89%
232.11
246.50
256.09
+3.89% +10.33%
Customer Deposits*
228.04
236.14
+3.55%
224.47
228.04
236.14
+3.55%
+5.20%
Total Capital
48.89
50.86
+4.03%
46.49
48.89
50.86
+4.03%
+9.39%
FY 2012
1Q 2013
1Q 2012
4Q 2012
1Q 2013
q-o-q
y-o-y
Net Interest Income
11.98
2.99
2.92
3.10
2.99
-3.68%
+2.19%
Net Fee and
Commission Income
2.35
0.59
0.48
0.70
0.59
-15.63% +23.31%
Revenues**
15.10
4.13
3.63
4.02
4.13
+2.73% +13.82%
Net Income
1.30
1.08
0.12
0.37
1.08
+189.35% +775.97%
FY 2012
1Q 2013
1Q 2012
4Q 2012
1Q 2013
Net Interest Margin
3.85%
3.71%
3.75%
4.00%
3.71%
-0.29 PP -0.04 PP
Cost/Income Ratio
47.63%
39.86%
46.50%
50.83%
39.86%
-10.97 PP -6.64 PP
ROAE
3.24%
10.75%
1.24%
3.69%
10.75%
+7.06 PP +9.51 PP
q-o-q
* Customer deposits are calculated as a sum of customer accounts and promissory notes (other debt securities in issue)
** Revenues calculation: gains from investment securities available for sale are excluded from revenues as one-off
y-o-y
4
5. * Provisions for 3Q 2012 reduced by the gain from disposal of investment property RUB 214 mln (related to the problem KD Avia loan)
5
6. • Third quarter in a row of RUB 4 bn+ revenues
• F&C income 23% growth y-o-y
• Provisions put less pressure on ratios
• Costs flat
• ROAE returns to 10%+ level
*Property tax is excluded from other administrative and operating expenses and included in expenses related to premises and equipment.
6
7. Average interest rate
Average balance
Contribution to NIM change:
Contribution to NIM change:
Loans and advances to customers
Due to banks
-6 bp
+27 bp
Loans and advances to customers
+8 bp
Amounts receivable under reverse repo
+3 bp
Trading securities pledged under repo
Amounts receivable under reverse repo
-31 bp
+7 bp
Due to banks
-15 bp
Retail term deposits
-8 bp
Retail term deposits
-7 bp
Corporate term deposits
-6 bp
Corporate term deposits
-3 bp
Bonds issued
+9 bp
Bonds issued
-9 bp
Total
-15 bp
Total
-16 bp
Other factors: +2 bp
7
8. • Collected interest on restructured loans is a key factor for
asset yields fluctuation
• Maths effect has further influence on NIM
• Loans/Deposits Ratio close to targeted 100%
* Average assets: loans, due from banks, securities portfolio, correspondent accounts
** Average liabilities: due to banks, customer accounts including current accounts, debt securities in issue
8
9.
16% growth in retail portfolio
Retail loans 82% growth y-o-y
Large customer base: over 1.2 million retail customers as of
April 1, 2013
Internet-Bank – 182,100 users
The number of cards totalled to 766,320
572 ATMs
BSPB ranked 3d among all banks and 1st among
the privately-owned banks in St. Petersburg mortgage
lending market
17.3% share in new mortgage lending during 1Q13
9
10. • Loan portfolio growth in 1Q 2013:
Before provisions: +3.9% compared with January 1, 2013
After provisions: +3.9% compared with January 1, 2013
• As at April 1, 2013:
Corporate overdue loans – 5.61% (5.31% as at January 1, 2013)
Retail overdue loans – 3.52% (3.65% as at January 1, 2013)
• RUB 96.1 mln of the loan portfolio written off in 1Q 2013
Note: Provision charge calculation: net result on recognition/early redemption of loans granted at non-market rates
Provisions for 3Q 2012 reduced by the gain from disposal of investment property RUB 214 mln (related to the problem KD Avia loan)
Overdue loans and impaired not past due loans include the whole principle of loan at least one day overdue or impaired
10
11. Due from banks 1.0%
Amounts under
reverse repo 1.8%
Fixed and other assets
6.4%
Cash & cash
equivalents
7.9%
Securities portfolio
16.7%
Other 0.7%
Capital markets
7.5%
Trading shares
0.05%
Trading bonds
31.9%
Corporate shares
0.05%
Corporate Eurobonds
14.0%
Shareholders’
equity
11.8%
Due to banks
12.3%
Trading bonds
pledged under sale
and repurchase
agreements
68.1%
Corporate bonds
77.0%
Municipal bonds 7.2%
Federal loan bonds (OFZ)
1.7%
Customer accounts
(individuals)
30.0%
Loans and advances
to customers
66.2%
• Conservative approach to risk:
90%+ of the debt securities belong to the CBR Lombard list
Customer accounts
(corporates)
37.7%
• Average duration is 1.4 years
• No exposure to Cyprus and other problem European assets
* Trading securities portfolio includes trading securities and trading securities pledged under sale and repurchase agreements
11
12. •
•
338.1
354.5
370.8
Dividend payment (RUB 867 mln) will affect Tier 1 and
total CAR in 1H 2013
Rights issue approved by AGM and supported by major
shareholders
276.8
218.6
12
13. Dividends
AGM made the decision on payment of dividends for 2012:
• ordinary shares: RUB 0.11
• preferred shares: RUB 0.11
• type A preferred shares: RUB 12.76
Total sum of dividends: RUB 867,382,443
Two new independent Supervisory Board members were elected:
• Marlen Manasov (Board member at Sovkomflot, previously Board member at RTS, UBS Bank)
• Zakhar Smushkin (Chairman of Board at Ilim Group)
Conversion of Type A preferred shares
May 15, 2013 – type A preferred shares were converted into
ordinary stock
Shareholders equity structure after the conversion
Rights issue
110 mln ordinary shares
3Q 2013 – rights issue supported by major shareholders (up to USD 100 mln)
Both ordinary stock and Type A preferred stock will have pre-emptive rights
13