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Essay / Research Paper Abstract
This 7 page paper looks at questions supplied by the student, working out the net interest, net interest margin, net profit, return on assets and return on equity and equity multiplier for a bank. The paper then consider the interest rate exposure and the type of swap needed, capital requirements, the issues between management and regulator and comments on actions the bank should take. The bibliography cites 3 sources.
Page Count:
7 pages (~225 words per page)
File: TS14_TEbankade1.rtf
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Unformatted sample text from the term paper:
the first is the balance held and the second is the revenue of the expense that holding them incurs. However in this case we only have one figure for r
each asset, so we will assume that in each case this where there is a figure given this is the revenue or expense. We will have to make several assumptions
when putting together these accounts, the assumptions are all given to enable the student to write their own paper. Question 1 To calculate the net interest we need
to take the interest that is earned less the amounts that are paid out on loans to the bank and interest paid to depositors. Assets for a bank are the
investments that create revenue. These are tools such as the loans the bank has made that create interest payments to the bank. Reserves can also create income, but this is
at a lower level. Not all of the figures required are given, so where figures are missing the process will be shown to allow the student to undertake their own
calculations. In order to look at the different ratio we first need to assess the interest that is being earned and the
interest being paid out. We will assume that the all the assets, with the exception of the real estate are earning some form of interest. There will be some that
are earning less such as the reserve which may be used in overnight deposits with a very low yield, but as we have an average we will apply this to
all of the interest bearing assets. We are not told what other and other assets are, so we will assume they are interest bearing. Figure 1 Interest Earned Reserves
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