Basel III is a global regulatory standard that aims to strengthen bank capital requirements and introduce new regulatory requirements on bank liquidity and leverage. It was developed in response to deficiencies in financial regulation revealed by the late-2000s global financial crisis. The goals of Basel III are to improve the banking sector's ability to absorb shocks from financial and economic stress, improve risk management and governance, and strengthen bank transparency and disclosures. It introduces new capital buffers, tighter definitions of capital, and new liquidity standards to promote medium- and long-term funding of bank assets.
A summary of top 28 areas covered by ec proposed regulation and crd iv for ba...JAMES OKARIMIA
A Summary of Top 28 areas covered by EC Proposed Regulation for CRR, CRD IV and Basel III Regulatory Compliance and Implementation of the proposal: A publication by James Jeffrey Okarimia
Partner at RM associates: Partners in Enterprise Risk Managements
A summary of top 28 areas covered by ec proposed regulation and crd iv for ba...JAMES OKARIMIA
A Summary of Top 28 areas covered by EC Proposed Regulation for CRR, CRD IV and Basel III Regulatory Compliance and Implementation of the proposal: A publication by James Jeffrey Okarimia
Partner at RM associates: Partners in Enterprise Risk Managements
A summary of top 28 areas covered by ec proposed regulation and crd iv for ba...JAMES OKARIMIA
A Summary of Top 28 areas covered by EC Proposed Regulation for CRR, CRD IV and Basel III Regulatory Compliance and Implementation of the proposal: A publication by James Jeffrey Okarimia
Partner at RM associates: Partners in Enterprise Risk Managements
A summary of top 28 areas covered by ec proposed regulation and crd iv for ba...JAMES OKARIMIA
A Summary of Top 28 areas covered by EC Proposed Regulation for CRR, CRD IV and Basel III Regulatory Compliance and Implementation of the proposal: A publication by James Jeffrey Okarimia
Partner at RM associates: Partners in Enterprise Risk Managements
I have prepared a presentation on "Creating enabling environment for increasing government revenue and private sector investment in Nepal for economic growth and development" which is based on my past experience and current learning from Financing for Development. This presentation targets to the government officials engaged in the policy level and operational level, development professionals and political leaders. This course has enabled my knowledge on private sector involvement, making enabling environment, increasing public revenues and involving more people in to the development need of the settlement, village, town, region, nation and the world.
The design and creation of a fully functional computer through the use of a Field Programmable Gate Array. The FPGA was designed through the hardware description language VHDL. Once the entire computer was interfaced, a video game was programmed through the use of assembly language. The computer was able to drive a monitor, and have a keyboard for human interrupts.
A summary of top 28 areas covered by ec proposed regulation and crd iv for ba...JAMES OKARIMIA
A Summary of Top 28 areas covered by EC Proposed Regulation for CRR, CRD IV and Basel III Regulatory Compliance and Implementation of the proposal: A publication by James Jeffrey Okarimia
Partner at RM associates: Partners in Enterprise Risk Managements
A summary of top 28 areas covered by ec proposed regulation and crd iv for ba...JAMES OKARIMIA
A Summary of Top 28 areas covered by EC Proposed Regulation for CRR, CRD IV and Basel III Regulatory Compliance and Implementation of the proposal: A publication by James Jeffrey Okarimia
Partner at RM associates: Partners in Enterprise Risk Managements
I have prepared a presentation on "Creating enabling environment for increasing government revenue and private sector investment in Nepal for economic growth and development" which is based on my past experience and current learning from Financing for Development. This presentation targets to the government officials engaged in the policy level and operational level, development professionals and political leaders. This course has enabled my knowledge on private sector involvement, making enabling environment, increasing public revenues and involving more people in to the development need of the settlement, village, town, region, nation and the world.
The design and creation of a fully functional computer through the use of a Field Programmable Gate Array. The FPGA was designed through the hardware description language VHDL. Once the entire computer was interfaced, a video game was programmed through the use of assembly language. The computer was able to drive a monitor, and have a keyboard for human interrupts.
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Signature content of MTBiz is its Article of the Month (AoM), as depicted on Cover Page of each issue, with featured focus on different issues that fall into the wide definition of Market, Business, Organization and Leadership. The AoM also covers areas on Innovation, Central Banking, Monetary Policy, National Budget, Economic Depression or Growth and Capital Market. Scale of coverage of the AoM both, global and local subject to each issue.
MTBiz is a monthly Market Review produced and distributed by Group R&D, MTB since 2009.
The impact of Basel III, also known as The Third Basel Accord, will vary by geography -- from potentially slowing down economies in emerging nations, to protecting the European Union from financial collapse, to increasing capital adequacy and improving risk management. Given the framework and timeline for implementing Basel III, the burden falls on national regulators to translate the international guidelines into national policies that suit and stabilize their economic environment and support economic growth.
Basel III Is Here - What are the implications for your business? Infosys
This article focuses on the key requirements of the Basel III proposals. It highlights key issues uncovered during the financial crisis, delineates measures introduced to prevent the repeat of the issues, and outlines the impact on the financial industry and larger economy on the whole. The paper then takes a deep-dive into the impact of the new regulations on data and technology systems and the challenges firms face in re-engineering their data and IT systems. Finally, it offers a solution to these challenges.
A set of international banking regulations put forth by the Basel Committee on Bank Supervision, which set out the minimum capital requirements of financial institutions with the goal of minimizing credit risk. Banks that operate internationally are required to maintain a minimum amount (8%) of capital based on a percent of risk-weighted assets.
“To be integrated is to feel secure, to feel connected.” The views and experi...AJHSSR Journal
ABSTRACT: Although a significant amount of literature exists on Morocco's migration policies and their
successes and failures since their implementation in 2014, there is limited research on the integration of subSaharan African children into schools. This paperis part of a Ph.D. research project that aims to fill this gap. It
reports the main findings of a study conducted with migrant children enrolled in two public schools in Rabat,
Morocco, exploring how integration is defined by the children themselves and identifying the obstacles that they
have encountered thus far. The following paper uses an inductive approach and primarily focuses on the
relationships of children with their teachers and peers as a key aspect of integration for students with a migration
background. The study has led to several crucial findings. It emphasizes the significance of speaking Colloquial
Moroccan Arabic (Darija) and being part of a community for effective integration. Moreover, it reveals that the
use of Modern Standard Arabic as the language of instruction in schools is a source of frustration for students,
indicating the need for language policy reform. The study underlines the importanceof considering the
children‟s agency when being integrated into mainstream public schools.
.
KEYWORDS: migration, education, integration, sub-Saharan African children, public school
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Non-Financial Information and Firm Risk Non-Financial Information and Firm RiskAJHSSR Journal
ABSTRACT: This research aims to examine how ESG disclosure and risk disclosure affect the total risk of
companies. Using cross section data from 355 companies listed in Indonesia Stock Exchange, data regarding
ESG disclosure and risk was collected. In this research, ESG and risk disclosures are measured based on content
analysis using GRI 4 guidelines for ESG disclosures and COSO ERM for risk disclosures. Using multiple
regression, it is concluded that only risk disclosure can reduce the company's total risk, while ESG disclosure
cannot affect the company's total risk. This shows that only risk disclosure is relevant in determining a
company's total risk.
KEYWORDS: ESG disclosure, risk disclosure, firm risk
The Challenges of Good Governance and Project Implementation in Nigeria: A Re...AJHSSR Journal
ABSTRACT : This study reveals that systemic corruption and other factors including poor leadership,
leadership recruitment processes, ethnic and regional politics, tribalism and mediocrity, poor planning, and
variation of project design have been the causative factors that undermine projects implementation in postindependence African states, particularly in Nigeria. The study, thus, argued that successive governments of
African states, using Nigeria as a case study, have been deeply engrossed in this obnoxious practice that has
undermined infrastructure sector development as well as enthroned impoverishment and mass poverty in these
African countries. This study, therefore, is posed to examine the similarities in causative factors, effects and
consequences of corruption and how it affects governance, projects implementation and national growth. To
achieve this, the study adopted historical research design which is qualitative and explorative in nature. The
study among others suggests that the governments of developing countries should shun corruption and other
forms of obnoxious practices in order to operate effective and efficient systems that promote good governance
and ensure there is adequate projects implementation which are the attributes of a responsible government and
good leadership. Policy makers should also prioritize policy objectives and competence to ensure that policies
are fully implemented within stipulated time frame.
KEYWORDS: Developing Countries, Nigeria, Government, Project Implementation, Project Failure
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Exploring Factors Affecting the Success of TVET-Industry Partnership: A Case ...AJHSSR Journal
ABSTRACT: The purpose of this study was to explore factors affecting the success of TVET-industry
partnerships. A case study design of the qualitative research method was used to achieve this objective. For the
study, one polytechnic college of Oromia regional state, and two industries were purposively selected. From the
sample polytechnic college and industries, a total of 17 sample respondents were selected. Out of 17
respondents, 10 respondents were selected using the snowball sampling method, and the rest 7 respondents were
selected using the purposive sampling technique. The qualitative data were collected through an in-depth
interview and document analysis. The data were analyzed using thematic approaches. The findings revealed that
TVET-industry partnerships were found weak. Lack of key stakeholder‟s awareness shortage of improved
training equipment and machines in polytechnic colleges, absence of trainee health insurance policy, lack of
incentive mechanisms for private industries, lack of employer industries involvement in designing and
developing occupational standards, and preparation of curriculum were some of the impediments of TVETindustry partnership. Based on the findings it was recommended that the Oromia TVET bureau in collaboration
with other relevant concerned regional authorities and TVET colleges, set new strategies for creating strong
awareness for industries, companies, and other relevant stakeholders on the purpose and advantages of
implementing successful TVET-industry partnership. Finally, the Oromia regional government in collaboration
with the TVET bureau needs to create policy-supported incentive strategies such as giving occasional privileges
of duty-free import, tax reduction, and regional government recognition awards based on the level of partnership
contribution to TVET institutions in promoting TVET-industry partnership.
KEY WORDS: employability skills, industries, and partnership
Social media refers to online platforms and tools that enable users to create, share, and exchange information, ideas, and content in virtual communities and networks. These platforms have revolutionized the way people communicate, interact, and consume information. Here are some key aspects and descriptions of social media:
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How social media marketing helps businesses in 2024.pdfpramodkumar2310
Social media marketing refers to the process of utilizing social media platforms to promote products, services, or brands. It involves creating and sharing valuable content, engaging with followers, analyzing data, and running targeted advertising campaigns.
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10. Basel III Overview
Credit
Risk
Market
Risk
Operational
Risk
Capital Market Risk
Capital
Definition (Tier
1, 2)
Securitisation
Exposures –
Banking &
Trading Book Leverage
Ratio*
Stress Testing,
Model
Validation,
Back testing
Capital Ratios
Counterparty
Credit Risk
Stressed Inputs
for risk models
Credit Value
Adjustment
(CVA) Capital
Charge
Higher Capital
Charge for
Specific wrong
way risk
Liquidity
Coverage Ratio
Net Stable
Funding Ratio
External Credit
Ratings Capital Buffers
(Capital
Conservation
Buffer &
Countercyclical
buffer),
Additional
Capital -Global
SIFI & Local
SIFI
Liquidity
Monitoring
Metrics
(Maturity
Mismatch,
Funding
Concentration)
Market Risk
Measures
(Stressed VaR,
IRC)
Capital
Deductions
11. Basel III Implementation Framework approach
Assessment of
existing Basel
Implementation –
Business Req,
Applications,
Reporting etc
Gap
Analysis
(B3/B2.5 vs.
Current State)
Business
Architecture (E2E)
Application
Architecture
(E2E)
Basel Current
State
Assessment
Gap Analysis
& Impact
Assessment
Our & Bank –
Joint Activity
Our Activity
Basel 2.5 & Basel
3 Requirements
(BCBS, Home,
Host Regulator )
Impact
Assessment
(Systems,
& Data)
Requirements
& Architecture
Data
Requirements
Initiative Definition
Information
Architecture (E2E)
Define high level
initiatives, their
workstreams and
identify dependencies
Discovery - Bank’s
asset classes,
Basel program
current state,
Risk management
policy, objectives Evaluate options to
close gaps
Categorize gaps,
identify/prioritize
initiatives &
workstreams
Implementation
Roadmap
Initiative 1..N &
Workstreams
Functional
Requirements
System
Requirements Phases
Activities
Timelines
Estimates – Effort,
Resources
Phase Deliverable
High Level Scope
definition doc
Requirements
document
Implementation
Roadmap
Activities
Gap Assessment,
Initiative Definition Doc
Architecture
Diagram
Business
Req. doc, Gap
Analysis &
Impact Assessment
Report
Establish the
High level scope for
Gap analysis phase
Provide inventory of
Business requirements,
gaps & their impact
Categorize & prioritize
gaps to define initiatives,
workstreams and their
dependencies
Initiative 1..N &
Workstreams
Capture detailed functional, system & data
Requirements across initiatives & workstreams.
Define To -be state business, application and
Information architecture at program level
Define detailed
Implementation roadmap
Covering initiatives &
workstreams
Phase
Objective
27. Short‐term: LCR
• Must be no lower than 1
• The higher the better
• High quality liquid: liquid in markets during a time of stress and,
ideally, be central bank eligible.
• Banks are still expected to conduct their own stress tests to
assess the level of liquidity they should hold beyond this
minimum, and construct scenarios that could cause difficulties
for their specific business activities.