Bernard Madoff ran the largest Ponzi scheme in history, defrauding thousands of investors of $65 billion. He founded Bernard L. Madoff Investment Securities in 1960 and grew it with help from friends and family who worked there. Despite claiming to use a split-strike conversion strategy, Madoff simply used new investments to pay earlier investors in a typical Ponzi scheme. The fraud collapsed in 2008 when many investors cashed out due to the financial crisis. Madoff pled guilty and was sentenced to 150 years in prison.
Bernard madoff and his investment scandaladrienne lam
Bernard Madoff ran the largest Ponzi scheme in history through his investment firm, stealing an estimated $65 billion from clients over decades. As his fraudulent activities were uncovered, he pled guilty to securities fraud and related crimes and was sentenced to 150 years in prison. The scandal destroyed his business and family and resulted in him spending the rest of his life in prison while his victims sought to recover their losses.
The document discusses Bernie Madoff's massive Ponzi scheme from 1960-2008, focusing on how the SEC failed to prevent the fraud despite numerous red flags and investigations. It analyzes the regulatory failures that allowed Madoff's scheme to continue for decades and proposes solutions like increasing SEC funding and employee qualifications to help prevent similar frauds going forward. The paper aims to examine the problems in the US financial regulatory system through the lens of the Madoff Ponzi scheme.
Project on mutual funds is the better investments planProjects Kart
This document is a project report submitted for an MBA program. It discusses mutual funds as better investment plans. The report includes an acknowledgements section, declaration, executive summary, and table of contents. It covers introduction to mutual funds, their various aspects, company profiles, objectives and scope of the study, research methodology, data analysis and interpretation, findings and conclusions, and suggestions and recommendations. The project provided a learning experience for the author and scope to analyze investor preferences for mutual funds in terms of asset management companies, products, options, and investment strategies.
1. The document discusses portfolio management and fundamental analysis of stocks to create an optimal portfolio. It analyzes 10 stocks from the CNX Midcap index to include in a portfolio.
2. The objectives of creating the portfolio are to provide investors with maximum returns at minimum risk through diversification.
3. Portfolio management aims to balance risk and return through selection and continuous adjustment of securities in the portfolio.
We are offering new innovative concept oriented projects for final year students in the technology of Vb.Net. Visual Basic .NET (VB.NET or VB .NET) is a version of Microsoft's Visual Basic that was designed, as part of the company's .NET product group, to make Web services applications easier to develop. Generally there are mainly two types of Vb.Net projects we can develop. 1. Application Side Projects: This type of projects interact with database oriented. 2. System Side Projects:The projects which deal with the system application are called as Projects in system design. These are very difficult and Expensive to implement in real time. We are using following technologies for windows application projects development: Visual Studio 2012, Dot.Net framework 4.5, Form Designing – Vb.Net, Coding Language - C# or Vb.Net, Backend (Database) - SQL Server 2008, Report – Crystal Report. Here we are supporting to project documentation, source code training and paper presentation. Your new innovative ideas also we appreciate and developing. For more projects references kindly contact our branch.
Worldcom was a telecommunications company founded in 1983 that grew rapidly through acquisitions. By 2000, it was one of the largest such companies in the world. However, its aggressive expansion left it struggling with high debt. To hide losses and inflate profits, Worldcom executives under CEO Bernie Ebbers fraudulently reported $3.8 billion in expenses as capital costs. This was uncovered in 2002 by internal auditors Cynthia Cooper and Gene Morse. Worldcom filed for bankruptcy that year in what was then the largest such filing in U.S. history. Ebbers and other executives were convicted of fraud. The scandal led to stricter financial regulations with the Sarbanes-Oxley Act
Bernard Madoff ran the largest Ponzi scheme in history, defrauding thousands of investors of $65 billion. He founded Bernard L. Madoff Investment Securities in 1960 and grew it with help from friends and family who worked there. Despite claiming to use a split-strike conversion strategy, Madoff simply used new investments to pay earlier investors in a typical Ponzi scheme. The fraud collapsed in 2008 when many investors cashed out due to the financial crisis. Madoff pled guilty and was sentenced to 150 years in prison.
Bernard madoff and his investment scandaladrienne lam
Bernard Madoff ran the largest Ponzi scheme in history through his investment firm, stealing an estimated $65 billion from clients over decades. As his fraudulent activities were uncovered, he pled guilty to securities fraud and related crimes and was sentenced to 150 years in prison. The scandal destroyed his business and family and resulted in him spending the rest of his life in prison while his victims sought to recover their losses.
The document discusses Bernie Madoff's massive Ponzi scheme from 1960-2008, focusing on how the SEC failed to prevent the fraud despite numerous red flags and investigations. It analyzes the regulatory failures that allowed Madoff's scheme to continue for decades and proposes solutions like increasing SEC funding and employee qualifications to help prevent similar frauds going forward. The paper aims to examine the problems in the US financial regulatory system through the lens of the Madoff Ponzi scheme.
Project on mutual funds is the better investments planProjects Kart
This document is a project report submitted for an MBA program. It discusses mutual funds as better investment plans. The report includes an acknowledgements section, declaration, executive summary, and table of contents. It covers introduction to mutual funds, their various aspects, company profiles, objectives and scope of the study, research methodology, data analysis and interpretation, findings and conclusions, and suggestions and recommendations. The project provided a learning experience for the author and scope to analyze investor preferences for mutual funds in terms of asset management companies, products, options, and investment strategies.
1. The document discusses portfolio management and fundamental analysis of stocks to create an optimal portfolio. It analyzes 10 stocks from the CNX Midcap index to include in a portfolio.
2. The objectives of creating the portfolio are to provide investors with maximum returns at minimum risk through diversification.
3. Portfolio management aims to balance risk and return through selection and continuous adjustment of securities in the portfolio.
We are offering new innovative concept oriented projects for final year students in the technology of Vb.Net. Visual Basic .NET (VB.NET or VB .NET) is a version of Microsoft's Visual Basic that was designed, as part of the company's .NET product group, to make Web services applications easier to develop. Generally there are mainly two types of Vb.Net projects we can develop. 1. Application Side Projects: This type of projects interact with database oriented. 2. System Side Projects:The projects which deal with the system application are called as Projects in system design. These are very difficult and Expensive to implement in real time. We are using following technologies for windows application projects development: Visual Studio 2012, Dot.Net framework 4.5, Form Designing – Vb.Net, Coding Language - C# or Vb.Net, Backend (Database) - SQL Server 2008, Report – Crystal Report. Here we are supporting to project documentation, source code training and paper presentation. Your new innovative ideas also we appreciate and developing. For more projects references kindly contact our branch.
Worldcom was a telecommunications company founded in 1983 that grew rapidly through acquisitions. By 2000, it was one of the largest such companies in the world. However, its aggressive expansion left it struggling with high debt. To hide losses and inflate profits, Worldcom executives under CEO Bernie Ebbers fraudulently reported $3.8 billion in expenses as capital costs. This was uncovered in 2002 by internal auditors Cynthia Cooper and Gene Morse. Worldcom filed for bankruptcy that year in what was then the largest such filing in U.S. history. Ebbers and other executives were convicted of fraud. The scandal led to stricter financial regulations with the Sarbanes-Oxley Act
Talal Tabbaa - Smart Regulations and Crypto-systemic riskTimetogrowup
The document discusses systemic risk in cryptocurrencies and decentralized systems. It notes that over 60% of mining power is concentrated in the top 5 pools, and cryptocurrencies serve multiple interconnected roles as stores of value, means of exchange, and speculative investments. This level of concentration and interconnectivity could lead to the risk of financial contagion if one of the major players fails, similar to what occurred during financial crises like the Asian banking crisis and global financial crisis. The document proposes some remedies like stronger governance, oversight, and separating cryptocurrencies by function in order to reduce systemic risk in the crypto economy.
Crowdfunding: Next Generation FinancingCrowdonomic
Crowdonomic's CEO, Leo Shimada, talking about Crowdfunding at a reputable financial services company's global corporate gathering. He started off by sharing his views on the rapidly changing competitive landscape of the banking industry where traditional financial institution are now being challenged by Tech Firms and went on to share his views on how Crowdfunding is evolving to disrupt the whole venture financing industry. One of the most notable changes is that audiences are no longer treating Crowdfunding as a novelty topic, but a major force which is rapidly becoming a preferred method of financing for many high potential companies.
Module 7 Wealthtech of the very popular fintech elective at the Queen Mary University London. The course was very popular, attracting over 200 Chinese and international students.
How Robo Advisers, Fintech Are Revolutionising Wealth ManagementDinis Guarda
How Robo Advisers, Fintech Are Revolutionising Wealth Management. A Reflection and presentation about trends and ideas related with the topic and what is happening in the industry
RedAnts is developing a next generation money services platform using cryptocurrency and blockchain technology. They aim to disrupt the global remittance market, which currently sees high costs of over 8% on average to send $200 internationally. RedAnts will offer instant money transfer services between digital wallets and cash using blockchain-based clearing. This could unlock market potentials by offering low-cost, convenient services to the billions of "unbanked" individuals worldwide, as well as facilitating remittances for migrant workers. RedAnts seeks to gain an initial user base through cryptocurrency marketing campaigns offering free bitcoin payouts and services.
Cryptocurrencies, Blockchain & Smart Contracts: The New Wave of DecentralizationRaffaele Mauro
"Exponential Talk" at Business Integration Partners
Milan, 18 November 2015
Discussion about Bitcoin, Blockchain, Cryptocurrencies, Smart Contracts and Financial Innovation
The Treasure is in the Data - How Three International Brands Found Marketing Gold.
Alice Donaldson from Exponential, presented this deck at iMedia Brand Summits, Asia. #imbsummit
Lykke is launching an initial coin offering from September 12 to October 10, 2016 to raise funds for developing a new kind of global marketplace built on blockchain technology. The marketplace will enable real-time trading of various assets with instant liquidity and settlement. Lykke coins purchased during the ICO will be used to develop the trading platform and obtain licenses to operate exchanges. The company aims to create efficient markets and hyper-liquid trading by holding no customer assets and charging no fees.
ImpInv.io - Next-gen digital Impact Investing; powered by Blockchain technologyFloyd DCosta
The document discusses how blockchain technology can empower a decentralized impact investing ecosystem. It introduces ImpInv.io, a next-gen digital impact investing platform powered by blockchain. ImpInv.io will address key issues like transparency, trust, and liquidity challenges by tokenizing impact investment products and facilitating their issuance, management, and trading. This will help unlock more impact investment capital and drive mainstream adoption of impact investing.
Fintech - Presentation by Alexander Graubner-Müller, CEO & Co-Founder of Kreditech at the Axel Springer NOAH Conference Berlin 2016, Tempodrom on the 8th of June 2016.
This presentation was shared by Cab Morris of the Illinois Department of Financial & Professional Regulation on the June 5th at the Banking Digital Currencies seminar.
Innovationstag Digital Banking Liechtenstein 2016Roman Dinkel
Die Folien aller Referenten in einem Slidedeck:
0. Einleitung - Peter Schnürer
1. Wie Crypto-Finance die Welt zu einem besseren Ort macht - Johann Gevers
2. Autonom lernende und intelligente Systeme heute und ihre Bedeutung für den Finanzsektor - Sascha Corti
3. Sind DAO's die besseren Unternehmen? Potenzial und Herausforderungen von dezentralen Organisationen auf der Blockchain - Dr. Mathias Bucher
4. Finanzplatz LI - Innovations-Clubs, LVC und Regulierungslabor in der Praxis. - Dr. Thomas Dünser
5. FYP - Ein Tool zur Prognose der individuellen Pensionshöhe - Prof. Dr. Michael Hanke
Financial Technologies Innovations: A Roadmap to Social Well BeingVinod Kashyap
What is Financial Technology ?
Some facts about FinTech
Most active areas of FinTech Innovation
How financial technologies (FinTech) can help in providing financial services and financial products to unbanked and underbanked ?
BIG UPDATE FROM THE ARABIC CASH TEAMS
Dear our investors!
We together with you have successfully and loudly made a listing on CoinTiger, more and more large exchanges offer us cooperation and we are already negotiating with them 🔋🌎
Massive expensive marketing has been launched and it has already started working and paying off! More ads on prestigious channels including high-profile reviews on YouTube are waiting for you soon!🔥
We showed that Arabic Cash has great potential when we are together🙌👍🔥
Arabic Cash is rushing upwards gathering more and more investors and friends on its way🛫🚀 there are only big wins and new horizons ahead of us and as a result - a sharp vertical growth🤩🛫
It's about to get wild hurry up buy and hodl.. massive gains
This document provides an overview of blockchain and business opportunities related to it. It introduces blockchain, how it works in a decentralized peer-to-peer network, and examples of its use cases. Business value drivers from blockchain characteristics like disintermediation and smart contracts are discussed. The document outlines Dubai's blockchain strategy and initiatives to become a leader in the field. It surveys the local market landscape and companies involved, and provides the presenter's view that blockchain will be highly disruptive across many industries and economic and social spheres.
Decentralised Finance aims to democratise finance by replacing legacy, centralised institutions with peer-to-peer relationships that provide the full spectrum of financial services – from everyday banking services, loans and insurance to complicated financial contracts including derivatives-trading and asset-trading.
Decentralized finance (DeFi) aims to replace traditional centralized financial institutions with peer-to-peer systems using smart contracts on blockchain. Some key aspects of DeFi include providing banking services through stablecoins, peer-to-peer lending and borrowing through protocols like Compound and Maker, and tokenization of real-world assets allowing them to be traded on blockchain. DeFi has grown rapidly and currently provides services including monetary banking, lending and borrowing, and decentralized exchanges.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Talal Tabbaa - Smart Regulations and Crypto-systemic riskTimetogrowup
The document discusses systemic risk in cryptocurrencies and decentralized systems. It notes that over 60% of mining power is concentrated in the top 5 pools, and cryptocurrencies serve multiple interconnected roles as stores of value, means of exchange, and speculative investments. This level of concentration and interconnectivity could lead to the risk of financial contagion if one of the major players fails, similar to what occurred during financial crises like the Asian banking crisis and global financial crisis. The document proposes some remedies like stronger governance, oversight, and separating cryptocurrencies by function in order to reduce systemic risk in the crypto economy.
Crowdfunding: Next Generation FinancingCrowdonomic
Crowdonomic's CEO, Leo Shimada, talking about Crowdfunding at a reputable financial services company's global corporate gathering. He started off by sharing his views on the rapidly changing competitive landscape of the banking industry where traditional financial institution are now being challenged by Tech Firms and went on to share his views on how Crowdfunding is evolving to disrupt the whole venture financing industry. One of the most notable changes is that audiences are no longer treating Crowdfunding as a novelty topic, but a major force which is rapidly becoming a preferred method of financing for many high potential companies.
Module 7 Wealthtech of the very popular fintech elective at the Queen Mary University London. The course was very popular, attracting over 200 Chinese and international students.
How Robo Advisers, Fintech Are Revolutionising Wealth ManagementDinis Guarda
How Robo Advisers, Fintech Are Revolutionising Wealth Management. A Reflection and presentation about trends and ideas related with the topic and what is happening in the industry
RedAnts is developing a next generation money services platform using cryptocurrency and blockchain technology. They aim to disrupt the global remittance market, which currently sees high costs of over 8% on average to send $200 internationally. RedAnts will offer instant money transfer services between digital wallets and cash using blockchain-based clearing. This could unlock market potentials by offering low-cost, convenient services to the billions of "unbanked" individuals worldwide, as well as facilitating remittances for migrant workers. RedAnts seeks to gain an initial user base through cryptocurrency marketing campaigns offering free bitcoin payouts and services.
Cryptocurrencies, Blockchain & Smart Contracts: The New Wave of DecentralizationRaffaele Mauro
"Exponential Talk" at Business Integration Partners
Milan, 18 November 2015
Discussion about Bitcoin, Blockchain, Cryptocurrencies, Smart Contracts and Financial Innovation
The Treasure is in the Data - How Three International Brands Found Marketing Gold.
Alice Donaldson from Exponential, presented this deck at iMedia Brand Summits, Asia. #imbsummit
Lykke is launching an initial coin offering from September 12 to October 10, 2016 to raise funds for developing a new kind of global marketplace built on blockchain technology. The marketplace will enable real-time trading of various assets with instant liquidity and settlement. Lykke coins purchased during the ICO will be used to develop the trading platform and obtain licenses to operate exchanges. The company aims to create efficient markets and hyper-liquid trading by holding no customer assets and charging no fees.
ImpInv.io - Next-gen digital Impact Investing; powered by Blockchain technologyFloyd DCosta
The document discusses how blockchain technology can empower a decentralized impact investing ecosystem. It introduces ImpInv.io, a next-gen digital impact investing platform powered by blockchain. ImpInv.io will address key issues like transparency, trust, and liquidity challenges by tokenizing impact investment products and facilitating their issuance, management, and trading. This will help unlock more impact investment capital and drive mainstream adoption of impact investing.
Fintech - Presentation by Alexander Graubner-Müller, CEO & Co-Founder of Kreditech at the Axel Springer NOAH Conference Berlin 2016, Tempodrom on the 8th of June 2016.
This presentation was shared by Cab Morris of the Illinois Department of Financial & Professional Regulation on the June 5th at the Banking Digital Currencies seminar.
Innovationstag Digital Banking Liechtenstein 2016Roman Dinkel
Die Folien aller Referenten in einem Slidedeck:
0. Einleitung - Peter Schnürer
1. Wie Crypto-Finance die Welt zu einem besseren Ort macht - Johann Gevers
2. Autonom lernende und intelligente Systeme heute und ihre Bedeutung für den Finanzsektor - Sascha Corti
3. Sind DAO's die besseren Unternehmen? Potenzial und Herausforderungen von dezentralen Organisationen auf der Blockchain - Dr. Mathias Bucher
4. Finanzplatz LI - Innovations-Clubs, LVC und Regulierungslabor in der Praxis. - Dr. Thomas Dünser
5. FYP - Ein Tool zur Prognose der individuellen Pensionshöhe - Prof. Dr. Michael Hanke
Financial Technologies Innovations: A Roadmap to Social Well BeingVinod Kashyap
What is Financial Technology ?
Some facts about FinTech
Most active areas of FinTech Innovation
How financial technologies (FinTech) can help in providing financial services and financial products to unbanked and underbanked ?
BIG UPDATE FROM THE ARABIC CASH TEAMS
Dear our investors!
We together with you have successfully and loudly made a listing on CoinTiger, more and more large exchanges offer us cooperation and we are already negotiating with them 🔋🌎
Massive expensive marketing has been launched and it has already started working and paying off! More ads on prestigious channels including high-profile reviews on YouTube are waiting for you soon!🔥
We showed that Arabic Cash has great potential when we are together🙌👍🔥
Arabic Cash is rushing upwards gathering more and more investors and friends on its way🛫🚀 there are only big wins and new horizons ahead of us and as a result - a sharp vertical growth🤩🛫
It's about to get wild hurry up buy and hodl.. massive gains
This document provides an overview of blockchain and business opportunities related to it. It introduces blockchain, how it works in a decentralized peer-to-peer network, and examples of its use cases. Business value drivers from blockchain characteristics like disintermediation and smart contracts are discussed. The document outlines Dubai's blockchain strategy and initiatives to become a leader in the field. It surveys the local market landscape and companies involved, and provides the presenter's view that blockchain will be highly disruptive across many industries and economic and social spheres.
Decentralised Finance aims to democratise finance by replacing legacy, centralised institutions with peer-to-peer relationships that provide the full spectrum of financial services – from everyday banking services, loans and insurance to complicated financial contracts including derivatives-trading and asset-trading.
Decentralized finance (DeFi) aims to replace traditional centralized financial institutions with peer-to-peer systems using smart contracts on blockchain. Some key aspects of DeFi include providing banking services through stablecoins, peer-to-peer lending and borrowing through protocols like Compound and Maker, and tokenization of real-world assets allowing them to be traded on blockchain. DeFi has grown rapidly and currently provides services including monetary banking, lending and borrowing, and decentralized exchanges.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
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New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
Enhancing Asset Quality: Strategies for Financial Institutions
Blossom SmartSukuk for Capital Markets Regulators
1. Social Impact & Emerging Market!
Securitization on the Blockchain
Contact: info@blossomfinance.com
2. Islamic Finance is Lagging Behind
Muslims: 24%!
global population
Islamic finance: only 1%
of global market
Global growth potential ~
$82 Trillion
Source: Deloitte “The International Islamic
Financial Market”
3. Untapped Opportunity for Financial Inclusion
700 Million !
“Muslim Futurists”
42% of global Muslim population
“Young and proudly Muslim, combining
faith, consumerism, and digital lifestyle”
Source: Oglivy & Mather "The Velocity Report:
The Reshaping of Global Growth”
910 Million !
Unbanked Muslims
76% of global Muslim population!
Lack any formal account!
at a financial institution
Source: The World Bank "Islamic Finance and
Financial Inclusion" October 2013
5. Sukuk: Previously Only Large Institutions!
Total Outstanding Value (Billions USD)
$37
$137
$260
Financial Institutions
Corporate
Sovereign
Public sukuk markets remain
inaccessible to smaller!
issuers & projects as well as
cross-border retail investors.
Source: IIFM Sukuk Database
Global Public Market Sukuk 2017
6. Complex!
multi-party process, &
extensive documentation
Inaccessible!
due to geography &
large investment sizes
Expensive!
high closing & !
operational costs
Sukuk: Barriers to Growth & Adoption
Sukuk is primary tool for Islamic capital markets but
infrastructure was designed for large issuances:
7. Sukuk: Expensive, Complex, Inaccessible
Registrar!
Trustee!
Delegate!
Paying Agent!
Transfer Agent!
Calculation Agent!
Registrar!
Custodian!
Arranger!
Listing Agent!
Security Depository!
Recurring annual
costs can exceed
$1M USD per year
Multiple intermediaries
Minimum investment
size of $1.25M USD
8. Solution: Blossom SmartSukuk™
Financing
Instrument
Securitized &
Tradable
Ethereum Blockchain!
ERC20 Token!
Halal & !
Ethical
We use technology to make sukuk investment accessible,
for investors and issuers at any size, anywhere.
We call it SmartSukuk. So, what makes it smart?
9. Solution: Blossom SmartSukuk™
Simple!
streamlined, fully-digital
issuing & investing
process
Accessible!
issue or invest at any
level, from anywhere in
the world
Affordable!
~1% cost of capital
with more flexible
payment structure
Removes inefficiencies to facilitate smaller issuer &
investor participation using blockchain.
10. Solution: Blossom SmartSukuk™
Registrar!
Trustee!
Delegate!
Paying Agent!
Transfer Agent!
Calculation Agent!
Registrar!
Custodian!
Arranger!
Listing Agent!
Security Depository!
Inefficient, Complex!
Multi-Party Model
Efficient, Simple
Digital Model
Custodian / Trustee!
Ethereum!
Blockchain
Blossom !
SmartSukuk™!
Platform
11. Solution: Blossom SmartSukuk™
Regulated & Compliant!
Legally enforceable contracts + bank-grade AML & KYC
No Crypto Exchange Risk!
Issued in Rupiah (IDR) & all payments in local currency
Leading Standard for Digital Assets!
ERC20 global standard for digitally-managed assets!
See Appendix A: Tokenized Assets & ERC20
12. Fits a Variety of Funding Needs
Fund construction &
infrastructure projects
Strengthen capital &
improve risk-adjusted
margins for banks!
!
Sustainably develop
unproductive waqaf
lands & assets
Deploy green energy
generation solutions
14. Fully Digital Client Experience
Sales & Subscription!
Effectively communicate each
asset’s financial strength along
with story & impact
Compliance!
Smoothly convert leads into
investors via digital KYC &
investment prospectus
Post-Sales!
Communicate performance &
drive continued engagement
for re-subscription & cross-sell
Designed to delight customer through entire lifecycle of investment:
15.
16.
17.
18. CEO & Head of Product!
Matthew Joseph Martin!
Fintech expert; 11+ yrs. engineering & product at VC-funded
tech startups: remittance, payments, & mobile banking
Management: FinTech + Finance Experts
Chief Strategy & Risk Officer!
Khalid Howladar!
Sukuk, banking, & markets expert; 20+ years experience
in structured & Islamic finance, capital markets, & risk
Chief Investment Officer!
Mufid Shawwa!
20+ years experience with asset & wealth management
specializing in alternative investments and financial markets
19. Team & Company Profile
• US Delaware
corporation
• Founded 2014
• 15 staff mix of !
PT & FT
• Geographically
distributed team
• Funded by Silicon
Valley VCs
20. Awards & Accolades
“Most Outstanding Islamic
Micro-Credit Company”!
KLIFF 2019!
“Most Innovative Use of
Blockchain for Islamic Finance”!
Islamic Finance News, 2018!