What are the risks common to financial institutions- liquidity- exchan.docx
•Download as DOCX, PDF•
0 likes•2 views
What are the risks common to financial institutions: liquidity, exchange, underwriting, and operations? What are the risks common to financial institutions: liquidity, exchange, underwriting, and operations? Solution Solution. Financial firms face four common risks: Market risk, Credit risk, Funding risk, Operational risk. Liquidity risk is a risk that a firm cannot procure the funds urgent to meet its financial needs, like short-term loan Bills payable. There are three genral techniques for meet funding risk are diversifyed over sources of fund, maintain liquid assets, and establishing plan for contingency, Like backup lines of credit. Generally, firms set funding goals as benchmarks to measure their current funding levels, and take mitigating actions when they are below certain thresholds. Operational risk is the risk of monetary loss resulting from inadequate or failed internal processes, people, and systems or from external events (see Lopez, 2002, for a more complete discussion). Although operational risk management is a rapidly developing field, standard risk mitigation techniques have not yet been developed. .
Report
Share
Report
Share
Recommended
Running head BANKING RISKS .docx
Running head: BANKING RISKS 1
BANKING RISKS 4
Bank Risk
Notes from the teacher:
The project is a good start, but for full credit you will need to identify an organization and provide deeper details on that organization. Also, I have a few thoughts as you progress deeper into the weeks:
-Recommend you combined module 1 and 2 together - keep adding each week to the prior. Once you have it threaded together, concentrate on transitions and good visual aspects such as headers and various fonts and mediums.
-Consider using bullets to list several ideas
People risks
There are huge risks that are experienced when a company is dealing with money. People risks associated with a bank are numerous. Banks deal with people including employees, creditors, debtors and others. Employees can be a source of great risks especially when they expose confidential information to the public. The information can be accessed by criminals who can cause a great loss in regards to the company’s information and money. Debtors are people who can result in great risks when they fail to repay their debts together with interests, and this affects the existence of the bank. Creditors affect the bank when they withdraw their money at once to go to other banks or use their money. This situation causes a company to have less amount of money to lend, and this can affect the bank's existence. The managers of a bank can also put a bank in risks by making wrong decisions by doing things that put the bank's existence in jeopardy
Financial risks
There are different types of financial risks that faced by banks. One risk involves the bank paying its creditors. Banks usually use the money of clients who deposit their money in bank accounts to lend to borrowers. Banks create money by charging interest on loans and therefore return their clients’ money and also pays a small percentage of interest. When creditors withdraw their money at one time, the bank lacks money to lend, and this increases the risk to a bank as it can become bankrupt (Fight, 2014).
The other risk is recovering money from debtors. Banks get funds from the interest that they charge for loans and when debtors fail to pay the bank can be in trouble since it needs the money to pay creditors as well as get its operating cash. Errors that are caused by people and machines can be a source of great risks as the bank can lose money.
Operational risks
Operational risks are termed as risks of losses that may result from the processes that are inadequate or that have failed. Additionally, these risks may be attributed to people, external events, and systems. The operational risks that might be associated with the Bank of America may emanate from the installation of new systems of banking that have not ye ...
Introduction to Risk ManagementMana.6330Overview
Introduction to Risk Management
Mana.6330
Overview
Risk Management is the continuing process to identify, analyze, evaluate, and treating loss exposures and monitoring risk control and financial resources to mitigate the adverse effects of loss.
Enterprise Risk Management, expands the province of risk management to define risk as anything that can prevent the company from achieving its objectives.
Risk Management OverviewOperationalReputationalBusinessCyber
Corporate Risk can be defined in four categories.
The four basic types of risk management to consider:
Risk Avoidance
Risk Reduction
Risk Transfer
Risk Retention
Risk Items that can produce CRISIS
Economic: Events or situations like strikes, market crashes, and labor shortages.
Informational: Loss of important information (organizational records, public and confidential records), theft through phishing attacks, social engineering, leaking of sensitive data.
Physical: Comprised major equipment, loss of suppliers disruption in key operations.
Human Resources: Loss of key team members, vandalism, and/or workplace violence.
Reputational: Rumors/gossip hurt the reputation of the organization.
Psychopathic: Terrorism, kidnapping, tampering with products.
Natural Disasters: Tornadoes, earthquakes, fire, flash floods, disease outbreaks, etc.
CRISIS is the final step of Risk, taking no action for risk mitigation
The Stages of Crisis Management
Stages of Crisis Management
Pre-Crisis
Crisis Response
Post-Crisis
Prevention and preparation, i.e., reducing the known risks that can lead to crisis.
When management must respond to a crisis.
The post-mortem phase is when companies look for ways to better improve preparations for the next crisis as well as fulfill commitments made during crisis response.
Risk
“…risk has always been with us.”
Thomas Aquinas
Risk: “…the possibility that events will occur and effect the achievement of objectives.”1
This the typical definition which should alert the reader to the fact that both qualitative and quantitative probabilities are required in the recognition of risk.
1 COSO 2017
Risk Fundamentals
Perception of risk is subjective.
Risk approach is driven by a tendency to look backwards.
Observation is the key to “risk”.
“Cause and Effect” which is the most common approach.
Thought must be expanded to “Cause – Event – Effect (or the Consequence)”
Example of Cause and EffectYearCauseEventEffect2001Rise of Islamic fundamentalism; failure of intelligence; inadequate air defense systems; lax of airport securityWorld Trae Centre (9/11) terrorist attack3,000+ deaths in the WTC; second Iraq war; global security crackdown.2010Defective cement on the well; cost-cutting decisions; inadequate safety systems; inadequate industry practices and government policiesBP Deepwater Horizon, Macondo wellTotal discharge at 4.9 million barrels; clean-up costs, charges and penalties more than $65 billion; disaster fo ...
Risk Management in Business
Abstract: Risk management is an activity which integrates recognition of risk, risk assessment, developing strategies to manage it, and mitigation of risk using managerial resources. Some traditional risk managements are focused on risks stemming from physical or legal causes (e.g. natural disasters or fires, accidents, death). Financial risk management, on the other hand, focuses on risks that can be managed using traded financial instruments. Objective of risk management is to reduce different risks related to a pre-selected domain to an acceptable. It may refer to numerous types of threats caused by environment, technology, humans, organizations and politics. The paper describes the different steps in the risk management process which methods are used in the different steps, and provides some examples for risk and safety management.
Managing risk
A brief and clear argumentation in favour of the personalisation approach in risk management procedures in large companies.
Taken from "Making better risk management decisions" by J. Birkinshaw and H. Jenkins.
Running head BANK OF AMERICA1BANK OF AMERICA12.docx
Running head: BANK OF AMERICA 1
BANK OF AMERICA 12
Bank of America
NOTES FROM TEACHER:
This section of your risk management plan addresses credit risk in relation to retail banking. It should have investigated retail banking services and the risks associated with providing consumer credit individuals and institutions. Also, are the risk mitigation plans in place and are they effective?
The project on B of A is becoming a robust document with good data, but for this week's submission would have liked deeper insights into the risks and mitigation plans and processes.
Now, I would encourage you to begin the final revisions, consider incorporatation new headers (not just the question from the module) but thought provoking headers,visuals and look ahead to the final submission requirements.
Table of Contents
Executive Summary 3
Introduction 3
Banking Risks 4
People risks 5
Financial risks 5
Operational risks 6
Risk mitigation 6
Bank of Americas board of directors 7
Bank of America’s executive committee 7
Sarbanes-Oxley Act and other legislation 8
Asset-liability management 8
Credit risks faced by retail banking 9
Credit risks associated with individuals and institutions 9
Retail banking services for individuals 9
Retail banking services for institutions 10
Bank Assessment of Credit Risk 10
References 11
Executive Summary
The banking sector is a very risky venture that is full of challenges. There are various risks that emerge in the course of the business, and the firm has to look for ways to mitigate these risks. Different types of risks are common in the banking sector ranging from credit risk, operational risks, sovereign risk, trade risk, interest rate risk, and foreign exchange risk among others. These risks are brought about by different factors, and there is a need for them to be addressed as soon as possible. The Bank of America has been one of the core financial institutions in the world having over five thousand bank centers globally. The bank is faced with different forms of risks, and it has come up with various ways to address the challenges that they face. The bank observes the Sox Act strictly to cater for accountability and transparency in the financial sector.
Introduction
The banking risk is exposure that might result to uncertainty of the outcome. There are various risk types that are categorized based on different aspects such as the causes and the area affected. These types are operational risk, credit risk, sovereign risk, trade risk, foreign exchange risk, and interest rate risk. Risk trends are various changes that occur in these types of risks and they are most influenced by the changes in the economy among other factors. Risk mitigation. Credit risk is the exposure that the creditors bear when lend money to individuals. Lending practices vary among lending institutions change and are influenced by various factors. Capitalization ref ...
Recommended
Running head BANKING RISKS .docx
Running head: BANKING RISKS 1
BANKING RISKS 4
Bank Risk
Notes from the teacher:
The project is a good start, but for full credit you will need to identify an organization and provide deeper details on that organization. Also, I have a few thoughts as you progress deeper into the weeks:
-Recommend you combined module 1 and 2 together - keep adding each week to the prior. Once you have it threaded together, concentrate on transitions and good visual aspects such as headers and various fonts and mediums.
-Consider using bullets to list several ideas
People risks
There are huge risks that are experienced when a company is dealing with money. People risks associated with a bank are numerous. Banks deal with people including employees, creditors, debtors and others. Employees can be a source of great risks especially when they expose confidential information to the public. The information can be accessed by criminals who can cause a great loss in regards to the company’s information and money. Debtors are people who can result in great risks when they fail to repay their debts together with interests, and this affects the existence of the bank. Creditors affect the bank when they withdraw their money at once to go to other banks or use their money. This situation causes a company to have less amount of money to lend, and this can affect the bank's existence. The managers of a bank can also put a bank in risks by making wrong decisions by doing things that put the bank's existence in jeopardy
Financial risks
There are different types of financial risks that faced by banks. One risk involves the bank paying its creditors. Banks usually use the money of clients who deposit their money in bank accounts to lend to borrowers. Banks create money by charging interest on loans and therefore return their clients’ money and also pays a small percentage of interest. When creditors withdraw their money at one time, the bank lacks money to lend, and this increases the risk to a bank as it can become bankrupt (Fight, 2014).
The other risk is recovering money from debtors. Banks get funds from the interest that they charge for loans and when debtors fail to pay the bank can be in trouble since it needs the money to pay creditors as well as get its operating cash. Errors that are caused by people and machines can be a source of great risks as the bank can lose money.
Operational risks
Operational risks are termed as risks of losses that may result from the processes that are inadequate or that have failed. Additionally, these risks may be attributed to people, external events, and systems. The operational risks that might be associated with the Bank of America may emanate from the installation of new systems of banking that have not ye ...
Introduction to Risk ManagementMana.6330Overview
Introduction to Risk Management
Mana.6330
Overview
Risk Management is the continuing process to identify, analyze, evaluate, and treating loss exposures and monitoring risk control and financial resources to mitigate the adverse effects of loss.
Enterprise Risk Management, expands the province of risk management to define risk as anything that can prevent the company from achieving its objectives.
Risk Management OverviewOperationalReputationalBusinessCyber
Corporate Risk can be defined in four categories.
The four basic types of risk management to consider:
Risk Avoidance
Risk Reduction
Risk Transfer
Risk Retention
Risk Items that can produce CRISIS
Economic: Events or situations like strikes, market crashes, and labor shortages.
Informational: Loss of important information (organizational records, public and confidential records), theft through phishing attacks, social engineering, leaking of sensitive data.
Physical: Comprised major equipment, loss of suppliers disruption in key operations.
Human Resources: Loss of key team members, vandalism, and/or workplace violence.
Reputational: Rumors/gossip hurt the reputation of the organization.
Psychopathic: Terrorism, kidnapping, tampering with products.
Natural Disasters: Tornadoes, earthquakes, fire, flash floods, disease outbreaks, etc.
CRISIS is the final step of Risk, taking no action for risk mitigation
The Stages of Crisis Management
Stages of Crisis Management
Pre-Crisis
Crisis Response
Post-Crisis
Prevention and preparation, i.e., reducing the known risks that can lead to crisis.
When management must respond to a crisis.
The post-mortem phase is when companies look for ways to better improve preparations for the next crisis as well as fulfill commitments made during crisis response.
Risk
“…risk has always been with us.”
Thomas Aquinas
Risk: “…the possibility that events will occur and effect the achievement of objectives.”1
This the typical definition which should alert the reader to the fact that both qualitative and quantitative probabilities are required in the recognition of risk.
1 COSO 2017
Risk Fundamentals
Perception of risk is subjective.
Risk approach is driven by a tendency to look backwards.
Observation is the key to “risk”.
“Cause and Effect” which is the most common approach.
Thought must be expanded to “Cause – Event – Effect (or the Consequence)”
Example of Cause and EffectYearCauseEventEffect2001Rise of Islamic fundamentalism; failure of intelligence; inadequate air defense systems; lax of airport securityWorld Trae Centre (9/11) terrorist attack3,000+ deaths in the WTC; second Iraq war; global security crackdown.2010Defective cement on the well; cost-cutting decisions; inadequate safety systems; inadequate industry practices and government policiesBP Deepwater Horizon, Macondo wellTotal discharge at 4.9 million barrels; clean-up costs, charges and penalties more than $65 billion; disaster fo ...
Risk Management in Business
Abstract: Risk management is an activity which integrates recognition of risk, risk assessment, developing strategies to manage it, and mitigation of risk using managerial resources. Some traditional risk managements are focused on risks stemming from physical or legal causes (e.g. natural disasters or fires, accidents, death). Financial risk management, on the other hand, focuses on risks that can be managed using traded financial instruments. Objective of risk management is to reduce different risks related to a pre-selected domain to an acceptable. It may refer to numerous types of threats caused by environment, technology, humans, organizations and politics. The paper describes the different steps in the risk management process which methods are used in the different steps, and provides some examples for risk and safety management.
Managing risk
A brief and clear argumentation in favour of the personalisation approach in risk management procedures in large companies.
Taken from "Making better risk management decisions" by J. Birkinshaw and H. Jenkins.
Running head BANK OF AMERICA1BANK OF AMERICA12.docx
Running head: BANK OF AMERICA 1
BANK OF AMERICA 12
Bank of America
NOTES FROM TEACHER:
This section of your risk management plan addresses credit risk in relation to retail banking. It should have investigated retail banking services and the risks associated with providing consumer credit individuals and institutions. Also, are the risk mitigation plans in place and are they effective?
The project on B of A is becoming a robust document with good data, but for this week's submission would have liked deeper insights into the risks and mitigation plans and processes.
Now, I would encourage you to begin the final revisions, consider incorporatation new headers (not just the question from the module) but thought provoking headers,visuals and look ahead to the final submission requirements.
Table of Contents
Executive Summary 3
Introduction 3
Banking Risks 4
People risks 5
Financial risks 5
Operational risks 6
Risk mitigation 6
Bank of Americas board of directors 7
Bank of America’s executive committee 7
Sarbanes-Oxley Act and other legislation 8
Asset-liability management 8
Credit risks faced by retail banking 9
Credit risks associated with individuals and institutions 9
Retail banking services for individuals 9
Retail banking services for institutions 10
Bank Assessment of Credit Risk 10
References 11
Executive Summary
The banking sector is a very risky venture that is full of challenges. There are various risks that emerge in the course of the business, and the firm has to look for ways to mitigate these risks. Different types of risks are common in the banking sector ranging from credit risk, operational risks, sovereign risk, trade risk, interest rate risk, and foreign exchange risk among others. These risks are brought about by different factors, and there is a need for them to be addressed as soon as possible. The Bank of America has been one of the core financial institutions in the world having over five thousand bank centers globally. The bank is faced with different forms of risks, and it has come up with various ways to address the challenges that they face. The bank observes the Sox Act strictly to cater for accountability and transparency in the financial sector.
Introduction
The banking risk is exposure that might result to uncertainty of the outcome. There are various risk types that are categorized based on different aspects such as the causes and the area affected. These types are operational risk, credit risk, sovereign risk, trade risk, foreign exchange risk, and interest rate risk. Risk trends are various changes that occur in these types of risks and they are most influenced by the changes in the economy among other factors. Risk mitigation. Credit risk is the exposure that the creditors bear when lend money to individuals. Lending practices vary among lending institutions change and are influenced by various factors. Capitalization ref ...
Understanding Risk in Corporation
I just completed a presentation about understanding risk in corporations and how these risks should be taken cared for.
#Corpriskforum2016 - Andy Cox
Andy Cox
Director Control Risks, UK
Новое исследование Control Risks на тему управления рисками и бизнес устойчивости в мире. В рамках исследования оценивается способность организаций идентифицировать, анализировать риски и разрабатывать адаптивные стратегии управления рисками
Running head BANK OF AMERICA1BANK OF AMERICA4.docx
Running head: BANK OF AMERICA 1
BANK OF AMERICA 4
Bank of America
**notes from the teacher: Thanks for the submission and glad to see you attach each module making it a working/living document.
As the final weeks progress, consider adding a table of contents/executive summary and visuals that could add value for the reader.
Introduction
The banking risk is exposure that might result to uncertainty of the outcome. There are various risk types that are categorized based on different aspects such as the causes and the area affected. These types are operational risk, credit risk, sovereign risk, trade risk, foreign exchange risk, and interest rate risk. Risk trends are various changes that occur in these types of risks and they are most influenced by the changes in the economy among other factors. Risk mitigation. Credit risk is the exposure that the creditors bear when lend money to individuals. Lending practices vary among lending institutions change and are influenced by various factors. Capitalization refers to when the cost of acquisition of the assets are expensed over the period over life of the asset instead of the period it was incurred. Solvency is the ability of a firm to meet long term financial obligations.
Bank of America is a multinational bank that has its headquarters in the United States. This bank offers banking and financial services and has its headquarters in Charlotte in North Carolina. The bank offers its products also services through 5100 bank centers as well as 16300 ATMs, online, mobile banking platforms as well as call centers. The company offers products such as consumer banking, finance, and insurance, mortgage loans, private equity, investment banking, corporate banking, wealth management, private banking as well as credit cards. The aim of this paper is to create a risk management plan for the Bank of America.
There are strategic, operational, finance as well as compliance risks that are associated with the Bank of America as well as the banking industry in general. Banks are faced with various types of risks in the process of their operation. The risks include credit risk, market risk, operational risks, liquidity risks business risk, reputational risks and many others (James, 2012).
The banking industry has encountered some risks that have emerged in the recent times that were not considered as important previously. Regulators demand that banks understand these risks to ensure that solutions are obtained to help in managing these risks. Some of the key emerging risks include corporate governance risks, quality of assets, dangers of gearing and over-leverage, risks of inadequate risk transfer and many other trending risks.
According to a recent report is that banks have continued to ease their lending standards as well as terms in the past three months which have increased their risks. Banks have not altered the lending standards for home equity lines of credit in accordance to wh ...
What are risks facing commercial banking institution sector by hamze dalha
hat are risks facing commercial banking institution sector by hamze dalha
Risk management
A literature review of risk management techniques, with an emphasis on exchange traded options.
BM7037-15 Corporate Governance, Ethics & Risk ManagementRi
BM7037-15: Corporate Governance,
Ethics & Risk Management
Risk Management
(There are internet links in this presentation that you should explore.)
Learning outcomes
At the end of the lecture, you’ll be able to:
Critically define ‘risk’ and distinguish it from other things
Critically explore a given organisation’s risk appetite
Evaluate an organisation’s risk management processes against best practice
Critically explore interrelationships between risk management and corporate governance
What is risk?
“Uncertainty of outcome, whether positive opportunity or negative threat, of actions and events”
(HM Treasury, ‘The Orange Book’, 2004, p.9)
“An uncertain event or set of events that, should it occur, will have an effect on the achievement of objectives.”
(PRINCE2 2017, p.120)
“An unrealised future loss arising from a present action or inaction”
(Kaplan)
1️⃣
3
What is risk?
Is:
Uncertain – not, then, known (known as ‘dis-benefits’ in PRINCE2)
Uncertain – in that we might never realise it as a risk! (Particularly if we don’t even try)
Uncertain – and we might try to measure its probability
Impactful – whether that’s minimal, moderate, or severe
Impactful – in one or several respects: Strategic, operational, etc.
Possibly beneficial, known as ‘upside risk’ (if we ignore Kaplan def.)
As it can be terminal (think Carillion; also here) but can also give a competitive advantage, it should not be overlooked by management.
4
Risk ‘appetite’
You go to a casino. Would you rather:
Wager £10 to possibly win £100?
or
Wager £100 to possibly win £10,000?
or
Do neither, and keep your money?
2️⃣
5
Risk ‘appetite’
Investments often are expressed in terms of risk-reward
Organisations are also on this risk-seeking to risk-adverse continuum.
6
Risk ‘appetite’
All organisations have a risk appetite, however:
They may not be consciously aware of it
It may not be expressed/articulated anywhere
It may not be known across the organisation
It may not inform decision-making (consistently, across the organisation)
See COSO Report (2014)
7
Risk ‘appetite’
Q
Try to think of 2 types of firm:
One which is high-risk-taking and one which is low-risk-taking.
Why do they take this approach?
8
Risk management
There are lots of risk management models. They all broadly include the same elements:
Risk…
Identification
Assessment (probability/impact)
Planning (responses)
Monitoring (responsibilities)
This process is cyclical.
Risk-related activities should be recorded, including lessons.
3️⃣
9
Risk management: 1/4 Identification
‘Risk workshop’: Brainstorming.
Also: Previous lessons, checklists, prompt-lists, breakdown structures
External auditing can help – a fresh view
(Can be compulsory; think SOX)
10
Risk management: 1/4 Identification
Risks can be classified:
Business or operational: relating to activities carried out within an entity, arising from structure, systems, people, products or proce ...
Insurance And Risk Management
Risk management is the process of identifying, assessing and controlling threats to an organization's capital and earnings. These threats, or risks, could stem from a wide variety of sources, including financial uncertainty, legal liabilities, strategic management errors, accidents and natural disasters
Risks which are not capable of avoidance, prevention, reduction to a large extent or assumption may be transferred from one party to the other party. The basic objective of insurance is to transfer the risk of a person to the insurance company which has easily spread it over a large number of persons insuring similar risks. As such, for handling risks which involve large financial losses or which are dangerous, insurance is a means of shifting such risks in consideration of a nominal cost called premium.
What are the three reasons that the environment matters- Which of thos.docx
What are the three reasons that the environment matters?
Which of those three is most important?
Solution
Environment is the consists of creatures and the nature, around us. It matters because;
1) It is a sustainable system which is in equilibrium and if that equilibrium breaks down then thw survival of the living beings will be in danger.
2)It provides food and all other necessary costituents for living to all it creatures and if environment in damaged then creatures will not be getting food for themselves
3) the features and characteristics of all the creatures are the function of their environment in which they are living. Changes in enviromental conditions will change those features of all the creatures, living in that environment. These changes are also called the evolution.
The most important reason that environment matters is the first one. our environment is self sufficient and sustainable system and it has been working like that for nillions of years. This is the balanced ecology which is in dynamic equilibrium. Unfavourable changes in the environment can cause the irreversible changes in the environmnet like the depletion of ozone layer , depletion of freash water, depletion of non renewable enegy resources, high amount of radio-active waste generation. These changes in environment are most dangerous and nay lead the extinction of all the living beings from this planet
.
What are the software security activities in the life cycle-SolutionTh.docx
What are the software security activities in the life cycle?
Solution
The software security activities in a life cycle include the following:
a.) Security engineering activities: These include activities to provide a proper solution such as elicitation and definition,use of static analysis tools,secure testing,secure reviews and inspection and etc.
b.) Security risk identification and management activities: The main purpose here is to identify and manage the security risks.This activity drives othe rrisk activities such as security engineering activities,project management activities,security assurance activities and etc.
c.) Security assurance activities: These include activities such as verification,validation,reviews,evaluations and etc,
d.) Security organizational and project management activities: These include organizational policies,management sponsorship,setting up organizational roles,oversight and etc. Project management activities include planning and tracking resource allocationa and usage to make sure that security engineering,security assurance and risk aidentification activities are planned and controlled and also having the ability to track easily.
.
More Related Content
Similar to What are the risks common to financial institutions- liquidity- exchan.docx
Understanding Risk in Corporation
I just completed a presentation about understanding risk in corporations and how these risks should be taken cared for.
#Corpriskforum2016 - Andy Cox
Andy Cox
Director Control Risks, UK
Новое исследование Control Risks на тему управления рисками и бизнес устойчивости в мире. В рамках исследования оценивается способность организаций идентифицировать, анализировать риски и разрабатывать адаптивные стратегии управления рисками
Running head BANK OF AMERICA1BANK OF AMERICA4.docx
Running head: BANK OF AMERICA 1
BANK OF AMERICA 4
Bank of America
**notes from the teacher: Thanks for the submission and glad to see you attach each module making it a working/living document.
As the final weeks progress, consider adding a table of contents/executive summary and visuals that could add value for the reader.
Introduction
The banking risk is exposure that might result to uncertainty of the outcome. There are various risk types that are categorized based on different aspects such as the causes and the area affected. These types are operational risk, credit risk, sovereign risk, trade risk, foreign exchange risk, and interest rate risk. Risk trends are various changes that occur in these types of risks and they are most influenced by the changes in the economy among other factors. Risk mitigation. Credit risk is the exposure that the creditors bear when lend money to individuals. Lending practices vary among lending institutions change and are influenced by various factors. Capitalization refers to when the cost of acquisition of the assets are expensed over the period over life of the asset instead of the period it was incurred. Solvency is the ability of a firm to meet long term financial obligations.
Bank of America is a multinational bank that has its headquarters in the United States. This bank offers banking and financial services and has its headquarters in Charlotte in North Carolina. The bank offers its products also services through 5100 bank centers as well as 16300 ATMs, online, mobile banking platforms as well as call centers. The company offers products such as consumer banking, finance, and insurance, mortgage loans, private equity, investment banking, corporate banking, wealth management, private banking as well as credit cards. The aim of this paper is to create a risk management plan for the Bank of America.
There are strategic, operational, finance as well as compliance risks that are associated with the Bank of America as well as the banking industry in general. Banks are faced with various types of risks in the process of their operation. The risks include credit risk, market risk, operational risks, liquidity risks business risk, reputational risks and many others (James, 2012).
The banking industry has encountered some risks that have emerged in the recent times that were not considered as important previously. Regulators demand that banks understand these risks to ensure that solutions are obtained to help in managing these risks. Some of the key emerging risks include corporate governance risks, quality of assets, dangers of gearing and over-leverage, risks of inadequate risk transfer and many other trending risks.
According to a recent report is that banks have continued to ease their lending standards as well as terms in the past three months which have increased their risks. Banks have not altered the lending standards for home equity lines of credit in accordance to wh ...
What are risks facing commercial banking institution sector by hamze dalha
hat are risks facing commercial banking institution sector by hamze dalha
Risk management
A literature review of risk management techniques, with an emphasis on exchange traded options.
BM7037-15 Corporate Governance, Ethics & Risk ManagementRi
BM7037-15: Corporate Governance,
Ethics & Risk Management
Risk Management
(There are internet links in this presentation that you should explore.)
Learning outcomes
At the end of the lecture, you’ll be able to:
Critically define ‘risk’ and distinguish it from other things
Critically explore a given organisation’s risk appetite
Evaluate an organisation’s risk management processes against best practice
Critically explore interrelationships between risk management and corporate governance
What is risk?
“Uncertainty of outcome, whether positive opportunity or negative threat, of actions and events”
(HM Treasury, ‘The Orange Book’, 2004, p.9)
“An uncertain event or set of events that, should it occur, will have an effect on the achievement of objectives.”
(PRINCE2 2017, p.120)
“An unrealised future loss arising from a present action or inaction”
(Kaplan)
1️⃣
3
What is risk?
Is:
Uncertain – not, then, known (known as ‘dis-benefits’ in PRINCE2)
Uncertain – in that we might never realise it as a risk! (Particularly if we don’t even try)
Uncertain – and we might try to measure its probability
Impactful – whether that’s minimal, moderate, or severe
Impactful – in one or several respects: Strategic, operational, etc.
Possibly beneficial, known as ‘upside risk’ (if we ignore Kaplan def.)
As it can be terminal (think Carillion; also here) but can also give a competitive advantage, it should not be overlooked by management.
4
Risk ‘appetite’
You go to a casino. Would you rather:
Wager £10 to possibly win £100?
or
Wager £100 to possibly win £10,000?
or
Do neither, and keep your money?
2️⃣
5
Risk ‘appetite’
Investments often are expressed in terms of risk-reward
Organisations are also on this risk-seeking to risk-adverse continuum.
6
Risk ‘appetite’
All organisations have a risk appetite, however:
They may not be consciously aware of it
It may not be expressed/articulated anywhere
It may not be known across the organisation
It may not inform decision-making (consistently, across the organisation)
See COSO Report (2014)
7
Risk ‘appetite’
Q
Try to think of 2 types of firm:
One which is high-risk-taking and one which is low-risk-taking.
Why do they take this approach?
8
Risk management
There are lots of risk management models. They all broadly include the same elements:
Risk…
Identification
Assessment (probability/impact)
Planning (responses)
Monitoring (responsibilities)
This process is cyclical.
Risk-related activities should be recorded, including lessons.
3️⃣
9
Risk management: 1/4 Identification
‘Risk workshop’: Brainstorming.
Also: Previous lessons, checklists, prompt-lists, breakdown structures
External auditing can help – a fresh view
(Can be compulsory; think SOX)
10
Risk management: 1/4 Identification
Risks can be classified:
Business or operational: relating to activities carried out within an entity, arising from structure, systems, people, products or proce ...
Insurance And Risk Management
Risk management is the process of identifying, assessing and controlling threats to an organization's capital and earnings. These threats, or risks, could stem from a wide variety of sources, including financial uncertainty, legal liabilities, strategic management errors, accidents and natural disasters
Risks which are not capable of avoidance, prevention, reduction to a large extent or assumption may be transferred from one party to the other party. The basic objective of insurance is to transfer the risk of a person to the insurance company which has easily spread it over a large number of persons insuring similar risks. As such, for handling risks which involve large financial losses or which are dangerous, insurance is a means of shifting such risks in consideration of a nominal cost called premium.
Similar to What are the risks common to financial institutions- liquidity- exchan.docx (20)
Running head BANK OF AMERICA1BANK OF AMERICA4.docx
Running head BANK OF AMERICA1BANK OF AMERICA4.docx
What are risks facing commercial banking institution sector by hamze dalha
What are risks facing commercial banking institution sector by hamze dalha
BM7037-15 Corporate Governance, Ethics & Risk ManagementRi
BM7037-15 Corporate Governance, Ethics & Risk ManagementRi
More from loisj1
What are the three reasons that the environment matters- Which of thos.docx
What are the three reasons that the environment matters?
Which of those three is most important?
Solution
Environment is the consists of creatures and the nature, around us. It matters because;
1) It is a sustainable system which is in equilibrium and if that equilibrium breaks down then thw survival of the living beings will be in danger.
2)It provides food and all other necessary costituents for living to all it creatures and if environment in damaged then creatures will not be getting food for themselves
3) the features and characteristics of all the creatures are the function of their environment in which they are living. Changes in enviromental conditions will change those features of all the creatures, living in that environment. These changes are also called the evolution.
The most important reason that environment matters is the first one. our environment is self sufficient and sustainable system and it has been working like that for nillions of years. This is the balanced ecology which is in dynamic equilibrium. Unfavourable changes in the environment can cause the irreversible changes in the environmnet like the depletion of ozone layer , depletion of freash water, depletion of non renewable enegy resources, high amount of radio-active waste generation. These changes in environment are most dangerous and nay lead the extinction of all the living beings from this planet
.
What are the software security activities in the life cycle-SolutionTh.docx
What are the software security activities in the life cycle?
Solution
The software security activities in a life cycle include the following:
a.) Security engineering activities: These include activities to provide a proper solution such as elicitation and definition,use of static analysis tools,secure testing,secure reviews and inspection and etc.
b.) Security risk identification and management activities: The main purpose here is to identify and manage the security risks.This activity drives othe rrisk activities such as security engineering activities,project management activities,security assurance activities and etc.
c.) Security assurance activities: These include activities such as verification,validation,reviews,evaluations and etc,
d.) Security organizational and project management activities: These include organizational policies,management sponsorship,setting up organizational roles,oversight and etc. Project management activities include planning and tracking resource allocationa and usage to make sure that security engineering,security assurance and risk aidentification activities are planned and controlled and also having the ability to track easily.
.
What are the ps command line options to view information about threads.docx
What are the ps command line options to view information about threads?
Solution
For Windows, I think Process Explorer shows you all the threads under a process.
use the ps command.
From the man page, there are a few thread options:
THREAD DISPLAY
-H Show threads as if they were processes
-L Show threads, possibly with LWP and NLWP columns
-T Show threads, possibly with SPID column
-m Show threads after processes
The classical tool top shows processes by default but can be told to show threads with the H key press or -H command line option.
There is also htop, which is similar to top but has scrolling and colors;
it shows all threads by default (but this can be turned off).
ps also has a few options to show threads, especially H and -L.
There are also GUI tools that can show information about threads,
for example qps (a simple GUI wrapper around ps) or conky (a system monitor with lots of configuration options).
For each process, a lot of information is available in /proc/12345 where 12345 is the process ID.
Information on each thread is available in /proc/12345/task/67890 where 67890 is the kernel thread ID.
This is where ps, top and other tools get their information.
.
What are the steps a company cant take to protext itself against the s.docx
What are the steps a company cant take to protext itself against the seven types of \"User and Administrator Threats?\"
Solution
User and Administrator threats are very common in the context of senstive data that requires safe storage. The various \"User and Administrator threats\" are Bad Apples(own workers cheating and selling), Social Engineering(attempts to trick or con individuals into providing information, while phishing techniques are cons conducted through technology), Phishing(A con executed using technology, typically targeted at acquiring sensitive information or tricking someone into installing malicious software)
Bad Apples requires employees to be trained and provided with good amenities to ensure loyalty. For Social Engineering, software should be installed and a team should be dedicated to such complaints. For Phishing, regular checks and reporting of malicious sources present over the internt, ALso, a technically enabled team should be kept ready.
.
what are the Pro-'s and Con-'s of virtual reality -SolutionPro-'s of v.docx
what are the Pro\'s and Con\'s of virtual reality ?
Solution
Pro\'s of virtual reality:
1)Virtual reality defines the idea of communication, expanding it from people you know in real life to anyone connected to the internet. This means that relationships will begin to be formed more based off interests than general location.
2)Virtual reality makes tourism and visiting sites more easy by giving a detailed view of the original place, e.g. Virtual tour.
3)Those who are not able to fully experience reality, such as disabled people, could explore the Virtual World and still experience a full life.
4)virtual reality provides a chance to experience things that are impossible in real life as if you were actually there e.g. fighting zombies in a game.
Con\'s of virtual reality:
1)Those who do not have access or cannot afford this technology will be left out. Could further separate social classes in Information Age based societies.
2)Technology is still developing and there are still many flaws to be worked to.
3) Some people have been known to have motion sickness due to using the VR headset.
4)Communication using this technology would be susceptible to deception.
.
What are the primary keys of the following table- Explain why the foll.docx
What are the primary keys of the following table? Explain why the following table is not in 2NF. Convert the table to 2NF (mention only the column names of the new tables) Explain why the following table is not in 3NF. Convert the table to 3NF.
Solution
13)
To bring relation in 1NF to 2 NF
We need to eliminated partial dependencies
There are two Keys in above question other non-key attributes have to depend on both Then it is in 2NF
But in question Non-key attributes Branch_Address is dependent on only BranchNo (Partial Dependency)
and Name dependent on only StaffNo (Partial Dependency)
Hrs_Per_Week only dependent on both StaffNo and BranchNo (Full Dependency)
To bring above relation into 2NF we have to eleminate partial dependency
So we normalize above relation as following 3 relations:
Staff(StaffNO, Name, Position) , here StaffNo is primary Key
Branch(BranchNo, BranchAddress), here BranchNo is Primary Key
S_B(StaffNo, BranchNo, HrsPerWeek), here StaffNo and BranchNo combined Primary key
14)
For We have to check for transitive dependency
Here Salary is dependent on Position and Postion is dependent on StaffNo
and Position is not a key attribute, it is transitive dependency.
We need to eliminate transitive dependency
After Normaizing we have 3 relations as follows:
Staff(StaffNo, Name, Position)
SP(Position, Salary)
Branch(BranchNo, BranchAddress, Tel_No)
For Futher Doubts do comment
.
What are the major differences between capitalism- communism- and soci.docx
What are the major differences between capitalism, communism, and socialism?
Discuss the three major economic indicators and how they are indicative of our current economic climate.
Identify the major strategies a business owner may consider when entering the global marketplace. Discuss the advantages and disadvantages of each of your points.
Solution
1.) Capitalism is an economic and political system in which individuals own economic resources and industry, whereas under socialism, the state plans and produces goods, and either owns or redistributes resources among its citizens.While in communism, it is a different economic system, many people confuse socialism with communism. Under communism, everything is owned communally, or by everyone. Ideally, there is no government or class division, and no money; each person contributes to society as best as he or she is able, and takes from that society only what he or she needs. The decisions made by that society are supposed to benefit the people as a whole, not any individual.
2.) In a capitalist economy, the political system emphasizes competition for resources as a means of increasing capital and developing personal success. In a socialist economy, the emphasis is on distributing wealth so that individual needs are met with collective capital.
3.)Capitalism has several unique defining characteristics. It can be separated into a variety of types:
.
What are the issues involved in measurement in organizational developm.docx
What are the issues involved in measurement in organizational development interventions?
Solution
Ownership and all involved personnel needed to be genuinely and visibly committed to the effort. People involved in OD have to be informed in advance of the nature of the intervention and the nature of their involvement in it. The OD effort has to be connected to other parts of the organization; this is especially true of such areas as the evaluation and reward systems. The effort has to be directed by appropriate managers and guided by change agents (which, if used, must be competent). The intervention should be based on accurate diagnosis of organizational conditions. Owners and managers should show their commitment to OD at all stages of the effort, including the diagnosis, implementation, and evaluation. Evaluation is key to success, and should consist of more than asking people how they felt about the effort. Owners and managers need to show employees how the OD effort relates to the organization\'s goals and overriding mission.
.
What are the key differences between Windows- Apple- and Linux-Solutio.docx
What are the key differences between Windows, Apple, and Linux?
Solution
Answer:
Windows are user friendly in nature for any user it is easy to use and install the softwares also. Windows OS cannot be installed in Apple computers.The user interface of windows is easy to work with, and many difficult functions can be done with a small number of mouse clicks.Windows OS is easy to learn even for the people who are uneducated with in small amount of time.There exists multiple alternative softwares for each task to perform in windows operating systems.
Linux have advantage of having low resource requirements. We can install softwares in a very much limited amounts in systems.Linux OS works on every type of computers except macintosh i.e Mac OS oriented computers.It is also very secured operating system compared to windows.The only disadvantage is linux operating system is difficult to use ,it is not GUI oriented and many commands need to be performed to get tasks to done,hence it is not user friendly.Sometimes it is difficult to remember all the commands to type and carry the operations.
Apple computers are in built with the Mac OS.These are of very high budget cost compared to windows and linux operating systems.Cost is the only drawback of these computers since its hardware is of high configuration which is build.The Mac OS can only be installed in these computers and no other operating system work on these computers.
.
What are the implications of unstructured data to database design- Sup.docx
What are the implications of unstructured data to database design? Support your answer.
Solution
Unstructured data is usually not stored in a relational database (as traditionally defined) where the data model is relevant to the meaning of the data.It usually refers to information that doesn\'t reside in a traditional row-column database. Opposite of structured data — the data stored in fields in a database,unstructured data are hard to be arranged hence making it hard to manage.
Unstructured data does not provide strong type and cannot be queried easily.On unstructured data, indexes on user-defined functions would need to be created, or extensible indexes would need to be defined.
The Internet of things like social media, videos,emails, blogs, notes from call centers, and computer to computer communications produce massive amounts of unstructured data.They may have an internal structure, but they are still considered \"unstructured\" because the data they contain doesn\'t fit neatly in a database.
.
What are the income levels and infrastructure development of Mobius SL.docx
What are the income levels and infrastructure development of Mobius SLIP?
Solution
Social Leaning Solutions develops and provides a portfolio of cloud-based teaching and learning technology tools that engage students and instructors in social interaction and help build their competencies. The underlying principle of Social Learning Solutions is that any learning content (created by either instructors or students) has to be reviewed and evaluated by their peers and counterparts in order to determine the merit of the contribution and to provide developmental feedback. In other words, every actor in the learning environment may act as an author of content, as well as a reviewer and evaluator of the content created by others. Social Leaning Solutions portfolio includes three subsystems that facilitate workflows to support this collective action -- the Mobius SLIP (Social Learning in Peer Groups) student peer review system, the SLIDE (Social Learning Interactive Discussion and Evaluation) Discussion Board with voting, and the SLIM (Social Learning Idea Market) Library that facilitates peer review of teaching materials among instructors.
One of these tools, Mobius SLIP is a modern, technology-enabled incarnation of the Socratic Method. This web-based Learning Management System (LMS) facilitates complex assignments and social learning interaction among students, encourages creativity, critical thinking, communication and collaboration, and delivers advanced performance analytics and assurance of learning.
Mobius SLIP challenges the notion that only formally credentialed instructors are the sole carriers of knowledge and judges of
.
What are the four stages of John Dewey SolutionFor Dewey- learning wa.docx
What are the four stages of John Dewey
Solution
For Dewey, learning was primarily an activity which arises from the personal experience of grappling with a problem. This concept of learning implied a theory of education far different from the dominant school practice of his day, when students passively received information that had been packaged and predigested by teachers and textbooks. Thus, Dewey argued, the schools did not provide genuine learning experiences but only an endless amassing of facts, which were fed to the students, who gave them back and soon forgot them.
Dewey distinguished between the psychological and the logical organization of subject matter by comparing the learner to an explorer who maps an unknown territory. The explorer, like the learner, does not know what terrain and adventures his journey holds in store for him. He has yet to discover mountains, deserts, and water holes and to suffer fever, starvation, and other hardships. Finally, when the explorer returns from his journey, he will have a hard-won knowledge of the country he has traversed. Then, and only then, can he produce a map of the region. The map, like a textbook, is an abstraction which omits his thirst, his courage, his despairs and triumphs
.
What are the equilibrium concentrations- And how do you solve it- What.docx
What are the equilibrium concentrations? And how do you solve it?
What are the equilibrium concentrations of [H]. [HCO3 ] and [CO32-] in a 0.100 M solution of carbonic acid at 25 °c? (K,i 4.45 x 10-7 and K -5.61 x 10-11)
Solution
H2CO3(aq) ---------> H^+ (aq) + HCO3^- (aq)
I 0.1 0 0
C -x +x +x
E 0.1-x +x +x
Ka1 = [HCO3^-][H^+]/[H2CO3]
4.45*10^-7 = x*x/0.1-x
4.45*10^-7 *(0.1-x) = x^2
x = 0.00021
[HCO3] = x = 0.00021M
[H^+] = x = 0.00021M
HCO3^- (aq) ----------------> H^+ (aq) + CO3^2- (aq)
Ka2 = [H^+][CO3^2-]/[HCO3^-]
5.61*10^-11 = 0.00021*[CO3^2-]/0.00021
[CO3^2-] = 5.61*10^-11 M
.
What are the essential outcomes of secure system retirement- Justify y.docx
What are the essential outcomes of secure system retirement? Justify your position. (Cybersecurity)
Solution
Computer security , also known as cybersecurity or IT security , is the protection of information systems from theft or damage to thehardware, the software, and to the information on them, as well as from disruption ormisdirection of the services they provide.
It includes controlling physical access to the hardware, as well as protecting against harm that may come via network access, data and code injection, and due to malpractice by operators, whether intentional,accidental, or due to thembeing tricked into deviating from secure procedures.
The field is of growing importance due to the increasing reliance on computer systems in most societies [4] and the growth of\"smart\" devices, includingsmartphones, televisions and tiny devices as part of theInternet of Things – and of the Internet and wireless network such as Bluetoothand Wi-Fi.
Some organizations are turning to big data platforms, such as Apache Hadoop, to extend data accessibility and machine learning to detect advanced persistent threats.
.
What are the Disadvantages of IFRS (International Financial Reporting.docx
What are the Disadvantages of IFRS (International Financial Reporting Standards) to GAAP (Generally Accepted Accounting Principles)?
Solution
What are the Disadvantages of IFRS (International Financial Reporting Standards) to GAAP (Generally Accepted Accounting Principles)?
Disadvantages of IFRS (International Financial Reporting Standards) to GAAP (Generally Accepted Accounting Principles) are :
IFRS would raise uncertainity as it permits manager to excercise their own judgement when deciding what to be reported in financial Statement, this would increase the chances of error in financial statement which would effect stakeholder i.e investor,stockholder, creditor etc
There is not much enforcement of IFRS , As GAAP has been looking by several organisation such as Securities and Exchange Commission that watches over its accounting rules where IFR does not .
It is hard to compare each financial statement as many company has different countries where each different laws & regulation and each company maintain their own accounting standard than its very hard to compare the financial statement with other company.
.
What are the differences between a linked list and a stack-SolutionA S.docx
What are the differences between a linked list and a stack?
Solution
A Stack is basically a linear type data structure, which means the elements are present in a linear manner. In stack whatever is stored first it comes out last. It works in LIFO manner(Last in first out). In stack you can’t add element in between. They are like a stack of coins, i.e. if you want to take the last coin, then all the upper coins have to be removed one by one..As a result what goes in last is taken out the first.The process of adding and deleting elements is slow here.Random access s fast here.
On the other hand a Linked list is not a linear data structure. In this we can access any element or add any element in between. There is no LIFO of LILO manner (last in last out).We can add elements wherever we want. In Linked list we basically use two pointers , one to store the value of the variable and other to store the address of the next node(link list single element known as node).As the next link list address is store in the second node, there is no restriction in adding a new link list element in between .Linked list perform very fast insertion and deletion .
.
what are the con-'s of virtual reality in specificSolutionDisadvantage.docx
what are the con\'s of virtual reality in specific
Solution
Disadvantages of Virtual Reality
1)People who do not have access virtual reality or cannot afford this technology will be left out.
2)As the world is developing very fast in the area of Virtual Reality and online worlds, there is a lack of laws regarding these worlds.People may misuse this technology. Users can say and do things in these worlds that is illegal in reality. Also, users may be less inhibited than in real life due to a sense of anonymity, and may act in a way that is socially unacceptable
3)Communication using this technology would be susceptible to deception.
4)Many people may become addicted to living in these virtual worlds, and as a result forget or neglect their responsibilities in real life.
5)Technology is still developing and there are still many flaws to be worked to.
6)Arising health issues due to usage of this technology. Like ,Some people have been known to have motion sickness due to using the Virtual Reality headset.
.
What are the advantages of IPv6 over IPv4- Why is security often consi.docx
What are the advantages of IPv6 over IPv4. Why is security often considered to be a major advantage in IPv6. Is it really true?
Solution
Dear,
IPv4 is the fourth revision of the interner protocol and is a standard internetwork layer protocol
used. IPv4 is the used to connect devices to the internet. IPv4 uses a 32-bit address scheme
allowing over 4 billion addreses, but with the growth of more devices connecting requires an
address.IPv6 fulfills the requirement for the need of more internet addresses.
IPv6 is designed to allow the Internet to grow , both in terms of the number of hosts connected
and the amount of data traffic transmitted. IPv6 uses 128-bit address scheme written in
hexadecimal. More number of IP addresses will benefit companies from a management point of
view, but it will also benefit cyber criminals. Not only will criminals be able to switch IP
addresses frequently making it difficult to track and trace them.
Advantages of IPv6 over IPv4:
.
What are some tax consequences related to a qualified pension plan- (P.docx
What are some tax consequences related to a qualified pension plan? (Points : 1) Employer contributions are deductible when made. Earnings on the contributions are taxable to the employee. Employees are not taxed until distributions are received from the plan. Only a. and c.
Solution
d) Only a. and c.
Most retirement plans (the exception being most non qualified plans) offer significant tax advantages. Most commonly the money contributed to the account is not taxed as income to the employee at the time of the contribution. In the case of employer provided plans, however, the employer is able to receive a tax deduction for the amount contributed as if it were regular employee compensation. This is known as pre-tax contributions, and the amounts allowed to be contributed vary significantly among various plan types. The other significant advantage is that the assets in the plan are allowed to grow through investing without the taxpayer being taxed on the annual growth year by year. Once the money is withdrawn it is taxed fully as income for the year of the withdrawal. There are many restrictions on contributions, especially with 401(k) and defined benefit plans. The restrictions are designed to make sure that highly compensated employees do not gain too much tax advantage at the expense of lesser paid employees.
.
What are some primary reasons why an embedded system developer would u.docx
What are some primary reasons why an embedded system developer would use C or C++ instead of assembly language? What are some specific problems that an embedded system\'s programmer can encounter while using only C or C++?
Solution
Programming in Embedded systems need to be written in Assembly Language. Writing the code in Assembly Language is too difficult. C is very easier than the Assembly Language and internally does nothing but it converts the code written in Higher Level Language into the Assembly Language Code compatible with the Embedded System (or the Emulator) the code is compiled in. Other languages such as VB-NET, C#, Java are easier than C. But Java requires JVM (Java Virtual Machine) to be installed on the Embedded System. VB-NET, C# and many other languages are either proprietary technologies (forcing the programmers to choose specific OS - such as VB .NET and C# run only on Windows) or they need some frameworks (like JVM) to be preinstalled in the Embedded System.
.
More from loisj1 (20)
What are the three reasons that the environment matters- Which of thos.docx
What are the three reasons that the environment matters- Which of thos.docx
What are the software security activities in the life cycle-SolutionTh.docx
What are the software security activities in the life cycle-SolutionTh.docx
What are the ps command line options to view information about threads.docx
What are the ps command line options to view information about threads.docx
What are the steps a company cant take to protext itself against the s.docx
What are the steps a company cant take to protext itself against the s.docx
what are the Pro-'s and Con-'s of virtual reality -SolutionPro-'s of v.docx
what are the Pro-'s and Con-'s of virtual reality -SolutionPro-'s of v.docx
What are the primary keys of the following table- Explain why the foll.docx
What are the primary keys of the following table- Explain why the foll.docx
What are the major differences between capitalism- communism- and soci.docx
What are the major differences between capitalism- communism- and soci.docx
What are the issues involved in measurement in organizational developm.docx
What are the issues involved in measurement in organizational developm.docx
What are the key differences between Windows- Apple- and Linux-Solutio.docx
What are the key differences between Windows- Apple- and Linux-Solutio.docx
What are the implications of unstructured data to database design- Sup.docx
What are the implications of unstructured data to database design- Sup.docx
What are the income levels and infrastructure development of Mobius SL.docx
What are the income levels and infrastructure development of Mobius SL.docx
What are the four stages of John Dewey SolutionFor Dewey- learning wa.docx
What are the four stages of John Dewey SolutionFor Dewey- learning wa.docx
What are the equilibrium concentrations- And how do you solve it- What.docx
What are the equilibrium concentrations- And how do you solve it- What.docx
What are the essential outcomes of secure system retirement- Justify y.docx
What are the essential outcomes of secure system retirement- Justify y.docx
What are the Disadvantages of IFRS (International Financial Reporting.docx
What are the Disadvantages of IFRS (International Financial Reporting.docx
What are the differences between a linked list and a stack-SolutionA S.docx
What are the differences between a linked list and a stack-SolutionA S.docx
what are the con-'s of virtual reality in specificSolutionDisadvantage.docx
what are the con-'s of virtual reality in specificSolutionDisadvantage.docx
What are the advantages of IPv6 over IPv4- Why is security often consi.docx
What are the advantages of IPv6 over IPv4- Why is security often consi.docx
What are some tax consequences related to a qualified pension plan- (P.docx
What are some tax consequences related to a qualified pension plan- (P.docx
What are some primary reasons why an embedded system developer would u.docx
What are some primary reasons why an embedded system developer would u.docx
Recently uploaded
Synthetic Fiber Construction in lab .pptx
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.
Best Digital Marketing Institute In NOIDA
Safalta Digital marketing institute in Noida, provide complete applications that encompass a huge range of virtual advertising and marketing additives, which includes search engine optimization, virtual communication advertising, pay-per-click on marketing, content material advertising, internet analytics, and greater. These university courses are designed for students who possess a comprehensive understanding of virtual marketing strategies and attributes.Safalta Digital Marketing Institute in Noida is a first choice for young individuals or students who are looking to start their careers in the field of digital advertising. The institute gives specialized courses designed and certification.
for beginners, providing thorough training in areas such as SEO, digital communication marketing, and PPC training in Noida. After finishing the program, students receive the certifications recognised by top different universitie, setting a strong foundation for a successful career in digital marketing.
Biological Screening of Herbal Drugs in detailed.
Biological screening of herbal drugs: Introduction and Need for
Phyto-Pharmacological Screening, New Strategies for evaluating
Natural Products, In vitro evaluation techniques for Antioxidants, Antimicrobial and Anticancer drugs. In vivo evaluation techniques
for Anti-inflammatory, Antiulcer, Anticancer, Wound healing, Antidiabetic, Hepatoprotective, Cardio protective, Diuretics and
Antifertility, Toxicity studies as per OECD guidelines
Honest Reviews of Tim Han LMA Course Program.pptx
Personal development courses are widely available today, with each one promising life-changing outcomes. Tim Han’s Life Mastery Achievers (LMA) Course has drawn a lot of interest. In addition to offering my frank assessment of Success Insider’s LMA Course, this piece examines the course’s effects via a variety of Tim Han LMA course reviews and Success Insider comments.
TESDA TM1 REVIEWER FOR NATIONAL ASSESSMENT WRITTEN AND ORAL QUESTIONS WITH A...
TESDA TM1 REVIEWER FOR NATIONAL ASSESSMENT WRITTEN AND ORAL QUESTIONS WITH ANSWERS.
Digital Tools and AI for Teaching Learning and Research
This Presentation in details discusses on Digital Tools and AI for Teaching Learning and Research
Supporting (UKRI) OA monographs at Salford.pptx
How libraries can support authors with open access requirements for UKRI funded books
Wednesday 22 May 2024, 14:00-15:00.
The French Revolution Class 9 Study Material pdf free download
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
BÀI TẬP BỔ TRỢ TIẾNG ANH GLOBAL SUCCESS LỚP 3 - CẢ NĂM (CÓ FILE NGHE VÀ ĐÁP Á...
BÀI TẬP BỔ TRỢ TIẾNG ANH GLOBAL SUCCESS LỚP 3 - CẢ NĂM (CÓ FILE NGHE VÀ ĐÁP Á...Nguyen Thanh Tu Collection
https://app.box.com/s/hqnndn05v4q5a4k4jd597rkdbda0fniiThesis Statement for students diagnonsed withADHD.ppt
Presentation required for the master in Education.
Home assignment II on Spectroscopy 2024 Answers.pdf
Answers to Home assignment on UV-Visible spectroscopy: Calculation of wavelength of UV-Visible absorption
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdf
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.
The Challenger.pdf DNHS Official Publication
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!
2024.06.01 Introducing a competency framework for languag learning materials ...
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
How to Make a Field invisible in Odoo 17
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.
Digital Artifact 2 - Investigating Pavilion Designs
Digital Artifact 2 - Pavilions
NGV Architecture Commission Competition
MPavilion Commission Competition
Other Pavilion Designs
Operation Blue Star - Saka Neela Tara
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.
Embracing GenAI - A Strategic Imperative
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Recently uploaded (20)
TESDA TM1 REVIEWER FOR NATIONAL ASSESSMENT WRITTEN AND ORAL QUESTIONS WITH A...
TESDA TM1 REVIEWER FOR NATIONAL ASSESSMENT WRITTEN AND ORAL QUESTIONS WITH A...
Digital Tools and AI for Teaching Learning and Research
Digital Tools and AI for Teaching Learning and Research
The French Revolution Class 9 Study Material pdf free download
The French Revolution Class 9 Study Material pdf free download
BÀI TẬP BỔ TRỢ TIẾNG ANH GLOBAL SUCCESS LỚP 3 - CẢ NĂM (CÓ FILE NGHE VÀ ĐÁP Á...
BÀI TẬP BỔ TRỢ TIẾNG ANH GLOBAL SUCCESS LỚP 3 - CẢ NĂM (CÓ FILE NGHE VÀ ĐÁP Á...
Thesis Statement for students diagnonsed withADHD.ppt
Thesis Statement for students diagnonsed withADHD.ppt
Home assignment II on Spectroscopy 2024 Answers.pdf
Home assignment II on Spectroscopy 2024 Answers.pdf
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdf
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdf
2024.06.01 Introducing a competency framework for languag learning materials ...
2024.06.01 Introducing a competency framework for languag learning materials ...
Digital Artifact 2 - Investigating Pavilion Designs
Digital Artifact 2 - Investigating Pavilion Designs
What are the risks common to financial institutions- liquidity- exchan.docx
- 1. What are the risks common to financial institutions: liquidity, exchange, underwriting, and operations? What are the risks common to financial institutions: liquidity, exchange, underwriting, and operations? Solution Solution. Financial firms face four common risks: Market risk, Credit risk, Funding risk, Operational risk. Liquidity risk is a risk that a firm cannot procure the funds urgent to meet its financial needs, like short-term loan Bills payable. There are three genral techniques for meet funding risk are diversifyed over sources of fund, maintain liquid assets, and establishing plan for contingency, Like backup lines of credit. Generally, firms set funding goals as benchmarks to measure their current funding levels, and take mitigating actions when they are below certain thresholds. Operational risk is the risk of monetary loss resulting from inadequate or failed internal processes, people, and systems or from external events (see Lopez, 2002, for a more complete discussion). Although operational risk management is a rapidly developing field, standard risk mitigation techniques have not yet been developed.