This document discusses key concepts in banking and financial institution management. It covers basic banking operations like deposits and reserves. It also covers risk management techniques used by banks, including liquidity management, asset and liability management, capital adequacy, credit risk, and interest rate risk. Specific tools for measuring and mitigating these risks are outlined, such as gap analysis and duration analysis for interest rate risk. The document also discusses off-balance sheet activities undertaken by banks.
KEY TAKE AWAY:
What is Monetary policy?
Objectives of Monetary policy?
Types of Monetary policy?
Tools of Monetary policy?
Significance of Monetary policy?
Jimmy Vercellino, an experienced professional with mortgage lender First Choice Loan Services, works hard to provide a personalized home loan process for you. Options include FHA and VA loans, fixed / adjustable rate mortgages, Jumbo loans and more. Visit http://phxhomeloan.com
First Choice Loan Services Inc.
7600 E. Doubletree Ranch Road #200
Scottsdale, AZ 85258
480-800-8387
jimmy@phxhomeloan.com
KEY TAKE AWAY:
What is Monetary policy?
Objectives of Monetary policy?
Types of Monetary policy?
Tools of Monetary policy?
Significance of Monetary policy?
Jimmy Vercellino, an experienced professional with mortgage lender First Choice Loan Services, works hard to provide a personalized home loan process for you. Options include FHA and VA loans, fixed / adjustable rate mortgages, Jumbo loans and more. Visit http://phxhomeloan.com
First Choice Loan Services Inc.
7600 E. Doubletree Ranch Road #200
Scottsdale, AZ 85258
480-800-8387
jimmy@phxhomeloan.com
The economy of money, banking and financial markets ppt.pptetebarkhmichale
Preamble
Whereas, Commercial Bank of Ethiopia (CBE) has changed its strategic direction to customer centricity with the aim of making saving and credit products more customer centric based on customer value propositions;
Whereas, a feasibility study has been conducted and found that the digital micro saving and credit business is viable;
Whereas, Commercial Bank of Ethiopia intends to diversify its credit portfolio mix by increasing short-term digital micro loans and advances to micro scale businesses and individuals;
Whereas, it is necessary to attract the underserved part of the society and enhance resource mobilization through greater financial inclusion;
Whereas, it has become necessary to improve customer experience by digitizing micro financial services;
Whereas, it is necessary to set major eligibility requirements, terms and conditions for micro credit services in view of risk involved;
Whereas, the digital micro saving and loan policy is an essential guide in developing DMSL procedures, frameworks, and guidelines;
Whereas, it has become a necessity to entertain peculiar features of Digital Micro Saving and Loan products and address issues that are not addressed in the existing credit policy of the Bank,
Now, therefore; it becomes important to develop this “Digital Micro saving and Loan (DMSL) Policy”.
1.2. Short Title
This policy may be cited as the “Digital Micro saving and Loan (DMSL) Policy of Commercial Bank of Ethiopia”.
Definitions of Terms
In this policy, unless the context otherwise requires;
“Board” means supervisory Board of the Bank formed in accordance with Article 10 (2) and 12 of Public Enterprises Proclamation No 25/1992.
“Customers” means DMSL customers;
“Credit Scoring” means judging/evaluating the creditworthiness of a customer based on basic characteristics and past performance in credit.
“Digital Micro Saving and Loan” means providing micro scale saving and credit services via electronic/online platforms.
“Digital MSL Policy” means a policy document that governs the management of digital micro saving and credit services.
“Digital Micro Credit” means micro loans that are requested received and repaid all through mobile phones (or any other appropriate tools) via interaction with a computer system.
“Lending officials” means any person involved in DMSL business of customer acquisition, Credit Worthiness evaluation, Credit operation, Collection, monitoring and decision-making as well as write off and post write off follow up process.
“Loan Pricing” means setting the interest rate, fees, commission, and others to be charged by the Bank on digital loans, advances, and guarantees extended to customers.
“Micro Credit” means small amount of digital loans and advances to micro businesses and individuals who may not have access financial credit product.
“President” a person who is primarily responsible for the day-to-day management of the affairs of the Bank;
“The Bank” means the Commercial Bank of Ethiopia.
A huge thank you to all of the teachers who attended our EzyEconomics CPD workshops in Bolton, London, Southampton and Worcester! Additional thanks must go to both Bolton School and RGS Worcester who kindly hosted us for two of these events.
There was a dual focus to the workshops. They focused partly on exploring different perspectives of looking at two of the new content areas for the current specification: Behavioural Economics and Banking & Finance. The remainder of the workshops was spent discussing the power of digital platforms to support teaching and the various models used to achieve this.
If you didn't manage to make it along then take a look at some of the slides used in the presentations here.
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Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
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Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
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In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
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It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.