Topic: Banking

Understanding Global Liquidity

This paper explores the concept of global liquidity based on a factor model estimated using a large set of financial and macroeconomic variables from 24 advanced and emerging market economies. We measure global liquidity conditions based on the common global factors...

Reverse Stress Testing

Reverse stress testing is one of the hottest topics around the world in banking sector. Reverse stress testing is conducted as a complementary stress test along with other general stress tests. The key difference is that with a reverse stress test, the financial...

Introduction to Reserve Ratios

In most countries, the central bank of the country, such as the Federal Reserve in the US, place reserve requirements in the form of cash reserve ratios on the commercial banks. Under the reserve requirements, each commercial bank is required to hold a certain portion...

Gobank: A New Bank Without Branches, Just an App

A new bank called Gobank is a new kind of checking account which operates just through a mobile app. It operates under the company Green Dot Bank and is planning to not open any branches for the bank. To operate your checking account all you have to do is to login...

Effective Risk Data Aggregation and Risk Reporting

The financial crisis that began in 2007 revealed that many banks, including global systemically important banks (G-SIBs), were unable to aggregate risk exposures and identify concentrations fully, quickly and accurately. This meant that banks’ ability to take...

Credit Lending and Risk Management

In this presentation, made at GARP chapter meeting, Prof. Albert Ip provides a risk evaluation framework in credit lending. It discusses the general credit lending business practices, and then moves on to how risk can be managed in a credit portfolio. Download...

How Credit Card Transaction Processing Works?

This article explains how a credit card transaction is process using the example of VISA. Transaction processing involves the routing of payment information and related data to facilitate the authorization, clearing and settlement of transactions between Visa issuers,...

Why Do Firms Issue Bonds Abroad?

Corporate bond issuers in emerging economies in Asia have often had a choice between an onshore market and an offshore one. Since 1998, however, many of these issuers have increasingly turned to the onshore market. This paper provides lessons from onshore and offshore...
Lecture 13 – Overview of Banks

Lecture 13 – Overview of Banks

Banks are among our enduring of financial institutions. Their survival in so many different historical periods is testimony to their importance. Professor Shiller traces the origins of interest rates from Sumeria in 2000 BC, to ancient Greece and Rome, up to the Song...

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