Capital adequacy ratio

accounting model: which is the traditional Financial Ratio Analysis based on historical data 2. The economic model: which comprises risk adjusted performance measures that reflects Shareholder Wealth maximization The two models are being used to complement each other. The information for performance evaluation is the financial ratio derived from the analysis of bank’s published financial statements, principally the balance sheet and the income statement. Ratios represent relationship between two or more items

Financial Crisis and Basel Capital Adequacy Accords Module identifier: AC30500 Student number: 149016382 Introduction: Financial crisis has been regarded as one of the most important issues in recent years, especially after the previous financial crisis during 2007-2009. As the impact of the financial crisis is growing, the way to restrain and prevent the financial crisis has become the main research direction. This essay is going to analysis the improvement of the financial

with, ProBank (PB), formerly located in Tallahassee, Florida, was under a regulatory order to raise more capital. Since 2009, regulators have been concerned with banks holding greater capital buffers and to keep larger reserves of liquid assets to prevent from becoming insolvent. ProBank’s regulatory order precluded it from lending new money within the Tallahassee market place until more capital was raised. Bremen, Georgia’s American

CHAPTER I INTRODUCTION 1.1 Background Basel Capital accord is a capital adequacy framework developed by the Basel committee. In 1988, the Basel Committee decided to introduce a capital measurement system commonly referred to as the Basel Capital Accord. This system provided for the implementation of a credit risk measurement framework with a minimum capital requirement of 8% on banks Risk Weighted Assets (RWA). The 1988 framework is also known as "Basel – I". Since 1988, this framework

financial ratios of The Bank of Rajasthan and ICICI Bank for three financial years prior to merger (in percentages) Ratios Bank of Rajasthan ICICI Bank As on As on As on As on As on As on 31/3/2008 31/3/2009 31/3/2010 31/3/2008 31/3/2009 31/3/2010 Profitability ratios Net Profit Ratio 9.75 7.81 -6.85 10.51 9.74 12.17 Return on Assets 0.91 0.74 -0.58 1.12 0.98 1.13 Net Interest Ratio 2.08 2.29 2.04 2.20 2.40 2.50 Performance indicator Total Income/Capital Employed

EVALUATING PERFORMANCE OF COMMERCIAL BANKS IN PAKISTAN: “AN APPLICATION OF CAMEL MODEL” Adnan Zaheer MB-F11-200025 Abdul Karim MB-F11-200023 Abdul Basit Ishaq MB-F11-200017 Sohail Ahmed MB-F11-200028 MBA-20A (2011-2014) ARMY PUBLIC COLLEGE OF MANAGEMENT & SCIENCES (APCOMS) KHADIM HUSSAIN ROAD RAWALPINDI AFFILIATED WITH UNIVERSITY OF ENGINEERING AND TECHNOLOGY, TAXILA Acknowledgement Essential and foremost, all praises for the Almighty Allah, the generous

Focus on Capital requirement Positive： Improve the standard of capital ratio: According to Basel 3, Capital requirement includes 4 different ratios: Common equity Tier 1 capital ratio =(Common equity Tier 1 capital)/( risk-weighted assets) Tier 1 capital ratio =(Total Tier 1 capital)/( risk-weighted assets) Total capital ratio =( Tier 1 capital+ Tier 2 capital)/( risk-weighted assets) Capital conservation buffer Comparing to Basel 2 , the Basel 3 requirement of common equity Tier 1 capital ratio

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

intervals helps to check its financial health, its capital structure and its potential to attract investors. You can also evaluate company by assessing its capital structure and its potential to attract stock investors. A strong balance sheet is one of the most important things that stock investors consider before investing in the company’s stock. A balance sheet’s strength can be measured in three categories: • Working capital adequacy • Capital structure • Asset performance This article will

regulations. The Regulations now cater for the changes to capital disclosure requirements, changes to the Liquidity Coverage Ratio ("LCR"), requirements related to intraday liquidity management and public disclosure requirements related to the LCR. 3 Regulation 38(16) was amended to incorporate South African Reserve Bank ("SARB") Directive 05/2014 which dealt with obtaining the Registrar of Banks consent before reducing qualifying capital and reserve funds. Regulation 38(5)(a)(i)(K) which deals with