Grameen Bank Case Summary

Managing a Bank crisis is one of the most difficult tasks of a regulator. Banks and financial institutions had to take counter measures in order to survive and remain competitive. Efficient regulatory framework identifies the benefits of a sustainable financial system. It helps the organizations to work efficiently, objectively and the country will have transparent markets. Regulatory system is open minded to the needs of investors when implementing directions to curtail regulations for certain types investment related products and services. It also maintains accountability with respect to market participants and policy makers.

Evaluate RBC strategy and organizational structure. Is RBC well equipped to compete with niche operators such as internet-only banks with focused product offerings?

are poor are poor because of their unwillingness to work or their inability to want to do better.

The idea that poor people have a lack of motivation or skills is false and just a political plot, the “war on poverty has become the war on the poor” (McLeod, pg. 265). Cultural and biological deficiencies are a consequence of society’s structures own

The United States Congress chartered the Second National Bank in 1816 in order to control unregulated currency at the state-level banks. After several states questioned the constitutionality of the bank, Maryland imposed a tax on all banks that were not chartered by the state. By 1818, Maryland approved legislation of taxing the Second National Bank of the United States that was chartered by Congress, which is part of the Federal Government.

Provide a brief background to the case to put your analysis in context. Provide a discussion of the

IMT Bank have contacted a group of CCFA students to help in securitizing the loan portfolio. IMT Bank have mandated that they need an AAA senior tranche. As per Credit Rating organizations criteria, an Equity Tranche of $15 Mn is required. An excess spread of 85 bps is also required. IMT Bank suggests that they are happy to have BBB rating for the Junior Tranche.

Case Analysis: Alpen Bank The main issue that Alpen bank is facing is whether or not they should launch the credit card business in the Romania market and which group of target audience they should select while applying the launching strategy. Moreover, specifically to Carle, he needs to come up with a program from which, Alpen bank can generate at least €5 million in profit within 2 years. Moreover, clarified positioning strategy and customer segmentation is also needed to secure the success of the program. In the case, it seemed that Alpen had the opportunity to act since economic environment in Romania had changed from 2006 after its entering into the EU: the economy there was developing; a

Human capital is a sum of total skills within an individual such as :education, intelligence, creativity, work experience, entrepreneurial vigor. It is what is left if somebody took away all of your assets. Human capital creates wealth and growth. What the author means by saying that, being poor is a symptom not an illness, is that the underlying problems are lack of skills or human capital. I agree because having human capital is not incurable. You can fix it by investing in your human capital. Human capital is about much more that earning more money, it makes us better parents, more informed voters, more appreciative of art & culture, and more able to enjoy the fruits of life. Human capital is linked to productivity. The poverty line is now

Thus our options and ambitions are predestined by the social status; our selections are determined by the society. Underprivileged people are destined to “produce little wealth and receive little in return” (Lewis, 1966, p.21). They are foreordained to work long hours of minimum wage jobs which can barely pay for their necessities; food, shelter, education, and cloth. Therefore, they lack saving money for their personal goals. For example, they are unable to invest in businesses or buying land that will ensure their own and their children’s economic comfort in the future. Furthermore, they only make enough money to survive and if they cannot save a certain amount then they are unable to climb the ladder to a higher social class. Thus the society limits the decisions and opportunities that are being presented to the poor while guaranteeing an unchangeable

1. Provide a summary of the case including an analysis of the key facts and potential dilemma.

The demise of HIH Australia was a costly lesson learn in regards to the function of the board who need to be active to the operations of the business and alert with the potential opportunities surrounding the business which are important sustain financial longevity. After reviewing various analysis and reports regarding the fall of the HIH group the common assumption is lead to corruption, although in my opinion this was not the underlying factor to the demise of the Australian insurance giant.

FirstBank & Trust is headquartered in Lubbock, TX, where it began as an equipment finance and mortgage servicing company, hereinafter referred to as “FirstBank” or “the Bank”. In 1996, the investors purchased a bank charter in White Deer, TX, then relocated it to Lubbock, TX and opened the Banks doors with $10 million in assets under the supervision of the Federal Deposit Insurance Corporation (FDIC). As of September 30, 2015, the Bank had 245 employees with 8 branches across West Texas with total reported assets of $788,502,000 and total reported deposits of $656,917,000. FirstBank has evolved from a focus in equipment finance to a primary concentration in commercial banking.

Century National Bank has offices in several cities in the Midwest and the southeastern part of the United States. Mr. Dan Selig, president and CEO, would like to know the characteristics of his checking account customer. To better understand the customers, Mr. Selig asked Ms. Wendy Lamberg, director of planning, to select a sample of customers and prepare a report. To begin, she has appointed a team from her staff and the team has selected a random sample of 60 customers. All the information gathered is tabulated in the table below:

1. An international bank loaned money to an emerging country a few years ago. Because of the nonpayment of interest due on this loan, the bank is now negotiating with the borrower to exchange the loan for Brady bonds. The Brady bonds that would be issued would be either par bonds or discount bonds with the same time to maturity.