Many banks also face difficulties with their capital adequacy ratios (CAR). Government recapitalization bonds, being classified as zero risk, do not impact on the banks' CAR, but loans do. Thus the more a bank lends, the lower its CAR will become, creating a disincentive to lend. More ...
When you send money abroad with a traditional wire transfer, your bank will use something called theSWIFT network(one of the worst ways to send money internationally). The fixed fee will often range from $20 to $100, plus many banks in this chain take a cut. Your bank will usually give...
摘要: Using Risk Index Model to assess the riskiness of Indonesian Banks. Also, to find out if Risk Index Model is a better criteria than Bank Indonesia's criteria (Capital Adequacy Ratio) in determining the classification of the banks into "distressed" and "non-distressed"....
In response, banks must reimagine and rethink their business models – from the products and services they offer clients to how they articulate their purpose and value proposition. The banking leaders of tomorrow will embrace transformation and emerging technologies to meet rising client expe...
Finally, banks can take the initiative on cutting costs and getting operationally fit—performance areas in which they trail many fintech peers.On all counts, it is worth remembering that fintech competition is not restricted to a single asset class. As new entrants have s...
In emerging markets, India, Russia, Brazil, Thailand, Indonesia and Mexico all cut rates at least three times in 2019; there were a total of more than 30 central banks around the world that cut rates in 2019. These policies averted a deeper slowdown. Lower interest rates a...
The train makes many additional stops in the countryside, particularly between Hwange and Vic Falls. Anytime local people gathered at the tracks the train would stop, and operated more as a hop-on/hop-off throughout the countryside. (Not a huge surprise, but the Zimbabweans we spoke to ...
Climate-related perils are on the rise—both threatening banks’ loan portfolios and offering new business opportunities.
Arriving in Japan on 20 October, I exchanged my voucher for a pass at Tokyo station on 21 October, asking for my 7 days of unlimited travel to start on 22 October. Then ride as many trains as you want! Once you have your pass and your 7, 14 or 21 days of unlimited travel have ...
The value of the domestic currency in the foreign exchange market is a key consideration for central banks when they set monetary policy. Directly or indirectly, currency levels may play a role in the interest rate you pay on your mortgage, the returns on your investment portfolio, the price ...