The Floating Charge As An Effective Security

Traditionally the duties and rights of the bank were stipulated by the contract between the bank and the customer. In the present case a very important decision concerning the rights and duties of the bank has been taken

In the world of banking and finance nothing stands still. The biggest change of all is in the, scope of the business of banking. Banking in its traditional from is concerned with the acceptance of deposits from the customers, the lending of surplus of deposited money to suitable customers who wish to borrow and transmission of funds. Apart from traditional business, banks now a days provide a wide range of services to satisfy the financial and non financial needs of all types of customers from the smallest account holder to the largest company and in some cases of non customers. The range of services offered differs from bank to bank depending mainly on the type and size of the bank.

An unregulated banking financial institution might be fraud with unmanageable risks for the purpose of maximizing its potential return. In such a situation, the banking financial institutions might find itself in a serious financial distress instead of improving its financial health. Consequently, not only the depositors but also the shareholders will be deprived of getting back their money from the bank. The deterioration of loan quality also affects the intermediative efficiency of the financial institutions and thus the economic growth process of the country. This the reason for which the banking financial institutions are being regulated in all countries. The banking financial institutions are also the most regulated among all types of financial institutions in all countries, because of their substantial role in payment mechanism (in addition to protect the loan portfolio from decaying).

The aim here is to look at the state in which the financial market is at the moment after being hit by the 2007-2008 financial Crisis. The first part of this report introduces some key issues that have affected the confidence in the banking sector and its importance in the banking sector. The second part will provide explanations on how to restore confidence.

The turmoil in the international financial markets of advanced economies, that started around mid-2007, has exacerbated substantially since August 2008. The financial market crisis has led to the collapse of major financial institutions and is now beginning to impact the real economy in the

As the title of the article elucidates, the author’s purpose for writing this article was to expose and clarify the inherent risks associated with banking and financial sectors of the economy. People over all have the tendency to be protective of the thing they have earned, money is not different. As the general public’s knowledge of finance and general investing is, for the most part, limited, they will, at one time or another, trust their earnings to a financial institution. The author defines

Financial transactions are very common in today’s world. In these types of transactions, security must be created. These creations of securities are known as securitization. Security is a financial claim which is exhibited by document. The main feature of securitization is marketability. Henceforth, securitization is creation of marketable and tradable securities which is hinged on the inflows and outflows (cash flows) of the assets and liabilities of an individual. Cash flows refer to those generated in the asset side of the balance sheet mainly receivables; cash in bank and hand, plant and machinery. The Special Purpose Vehicle (SPV) uses these cash flows to issue marketable securities to investors so that funds for the payment to the asset originator can be arranged. Securitization is an innovation in the financial markets. For innovative financing sources, exceeding individual’s cash flow status, acquiring better liquidity position and issuing new securities to new individuals or group of investors, these innovative financing sources have become a necessity. For mortgage financing in secondary markets, securitized instruments are also essential. An asset is eliminated from the balance sheet when it is securitized.

A charge on the particle affects the path of the particle around the droplet. A neutral charge is required to increase the collision efficiency.

The report begins with a description of the need, concept and classifications of deposit insurance. It also covers the working of a Deposit Insurance Scheme,along with the various parameters and stakeholders involved.

Liquidity for a bank means the ability to meet its financial obligations as they become due. Liquidity at a bank is a measure of its ability to readily find the cash it may need to meet demands upon it. Liquidity can come from direct cash holdings in currency or on account at the Federal Reserve or other central bank. More commonly it comes from holding securities that can be sold quickly with minimal loss.. Thus one of the main challenges to a bank is ensuring its own liquidity under all reasonable conditions and its one the commercial banking principle also “Principle of Liquidity”.

In this essay we will be looking at different sources of finance available for different type of business. Also will be looking at the definitions of different type of sources of finance, the advantages, disadvantages and also giving reasons to why different sources of finance was chosen for the given case studies.

1. Frictional Electricity 2. Properties of Electric Charges 3. Coulomb’s Law 4. Coulomb’s Law in Vector Form 5. Units of Charge 6. Relative Permittivity or Dielectric Constant 7. Continuous Charge Distribution i) Linear Charge Density ii) Surface Charge Density iii) Volume Charge Density

This essay aims to describe whether the law provides protection for the creditors who are not secured where the buyer becomes insolvent, and if the secured creditors can benefit from the retention of title clause or floating charge. Insolvency is the legal term that describes the situation where a debtor, which is usually a business or a person, is not able to pay his debts when they are due or in the usual course of business . Insolvency occurs from cash flow and recession. There are four main types of insolvency, voluntary arrangements, bankruptcy , administration and winding-up . Creditors are crucial beneficiaries at the process of insolvency and the law should provide them with the necessary tools to let them keep playing an active role in this process.

As such, it is important that senior management as well as the Board of Directors must understand the existence of such risk on the balance sheet and they should ensure that the structure of the institutions’ business and the level of balance sheet risk it assumes are effectively managed, that appropriate policies and procedures are established to control and limit these risks, and that resources are available for evaluating and controlling interest rate risk. Increasingly Asset Liability Management has become an integral part of Bank Management. Banks’ are exposed to Balance Sheet Risk, where it is absolutely necessary for the management of the bank to understand the existence of such risk and best manage the exposure to the risk. The Asset Liability Committee (ALCO), comprising of the senior management of a bank, is primarily responsible for Balance Sheet Management or more specifically Balance Sheet Risk Management. The report aims at promoting international best practices in Balance Sheet Management for the banking industry in Bangladesh. The purpose of the report/ guidelines is to provide guidance to management and to train new staffs. This is intended to be the basic framework for further development as the skill sets go up the curve and also, to introduce new policies and processes as we make progress in understanding and implementing the basics.

In current intensely competitive economic market, banking plays an extremely significant role because it not only enhances economic development, but also provides valuable services to the whole country (Cv, 2015). Banks accept deposits from savers and lend these deposits to those who need them by generating financial products such as mortgages and loans. Based on Boatright’s perspective, even though banks are different in size and nature owing to both historical and geographical factors, they can be broadly defined as financial institutions that perform as a bridge connecting savers and borrowers throughout providing valuable financial products and services (Boatright, 2010). The object of this paper is to briefly explain some essential concepts about commercial banks and the corresponding ethical issues derived from these concepts.