Essays on Banking

Except for those parts in which it is explicitly stated to the contrary, this project is my own work. It has not been submitted for any degree at this or any other academic or professional institutions. ………………………………………...…… Signature …………………………… Date Regulations Governing the Deposit and Use of Oxford Brookes University Modular Programme Projects and Dissertations 1....

Credit risk is the process whereby a party may have a possibility loss due to the failure to follow financial contract terms and conditions (Bonsall et al., 1445). For instance, the inability of the investor to pay the loan and its interest. Banks as financial intermediaries are always exposed to...

The emergence of online banking The emergence of online banking brought change to the banking industry and made banking experience better for the customers since they can get access to the details of their bank accounts any time wherever they are through the website of the bank. Continuous advancement in the...

In America, banks operate in an open market where they are allowed to set their interest rates. In deciding what rates to charge a borrower, the bank considers the credit-worthiness of the customer. Interest rate risks (IRR) occur when banks give long-term loans that are funded by short-term deposits. The...

Westpac is an Australian banking company The company started in 1817, and its headquarters are in Sydney. Today, Westpac is considered among the big four leading banks in Australia where the banking industry is ruled by companies like commonwealth bank, New Zealand and Australia banking group and the National Bank of...

The International Monetary Fund: Maintaining Global Financial Stability The world’s foremost institution for monetary cooperation is the International Monetary Fund. There are 188 member states in it, and practically all of them cooperate to achieve that goal. The International Monetary Fund’s main responsibility is to maintain the stability of the global...

Wells Fargo is a multinational bank that provides various financial services to millions of customers worldwide. However, the fiasco involving false accounts and consumer money leaves many lessons for other related organizations to remember. The corporate scandal opened many corporations eyes to the risks of having a culture that...