Search results “Investment function in banks” for the 2014
Treasury at Barclays Alykhan Somji shares his experiences
Treasury manages the bank's overall balance-sheet, capital and liquidity position, and so that involves overseeing all of the bank's businesses from training and structuring in the investment bank, to deposit taking and lending in the retail and commercial banks. "I found the atmosphere exciting and fast-paced"
Risk management in banks
For more information : https://www.educba.com/risk-management-in-banks/ In this VIdeo how risk management in banks is an important concept, what type of risks banks faces and how they curb it through risk management model is described
Views: 81961 eduCBA
The Financial Sector - Macroeconomics 4.1
I explain the key terms of the financial sector, including: assets, liabilities, loans, bonds, stocks, and interest rates. Next video: 3 Functions of Money https://www.youtube.com/watch?v=3PP2j60LvjU Unit Playlist: https://www.youtube.com/playlist?list=PLD7C33AB80B405B9A
Views: 129771 Jacob Clifford
Sunita Mansigani, Compliance Officer for Danske Bank gives an insight into working in compliance.
The International Compliance Association (ICA) is a professional membership and awarding body. We are the leading global provider of professional, certificated qualifications in anti-money laundering; governance, risk and compliance and financial crime prevention. Being a member of ICA, a global community, demonstrates a commitment to the highest standards of practice and conduct, enhances your professional reputation and employability and significantly protects and improves the performance of your organisation. Find out more here - https://www.int-comp.org/
Merchant Banking vs Investment Banking - Investment Banking by eduCBA
For full text article go to : https://www.educba.com/merchant-banking-vs-investment-banking/ Learn the differences between Merchant Banking vs Investment Banking, its roles and responsibilities and how each one is related to the capital markets in domestic and global arena.
Views: 5614 eduCBA
Basel III in 10 minutes
This video explains Basel III capital requirement Vs Basel II For more information about Basel III please visit our full course https://www.udemy.com/credit-risk-management/#/
Views: 143280 Finance Club
The role of banks in the economy (February 2013)
In the series „A Cup of Coffee with Rainer Münz" our expert explains economic and financial terms and topics.
Views: 7785 Erste Group
What is a Central Bank?
Every country has a central bank, in the U.S. it is the Federal Reserve, in the UK it is the Bank of England and for Europe it is The European Central Bank. The primary function of a central bank is to manage the nation's money supply, through active duties such as managing interest rates, setting the reserve requirement, and acting as a lender of last resort to the banking sector during times of bank insolvency or financial crisis. By Barry Norman, Investors Trading Academy.
How Does a Bank Work, and Why Do Banks Make So Much Money?
How does a bank work? How do banks make so much money? Watch our easy illustrated explanation. Let us imagine, you have $10,000, and you don`t need it right now. And Sabrina wants to buy a car, but she has no money. Well, here is a solution for both of you. BANK! You deposit your 10 thousands in the bank. And the bank gives you interest of 5%. It takes your money, transfor it into loans, and give other people to buy a house, or an auto. The secret is: loat rate is higher than deposit rates. Car loan interest rate for Sabrina is 8 percent. 8% - 5% = 3%: this is how banks make money. Other income sources of banks: ATM fees, overdraft fees, late payments fees, penalty fees, interchange fees. $10,00 - $10,500 = $300 - this is how the bank used your money to make profit ($300).
Views: 88002 Joyful Investor
Circular Flow of Income. How the different components of an economy interact.
Transcript: 1 In macroeconomics, we study the economy of one country. 2 Then try to understand how 2 countries interact and trade. 3 And hopefully, understand the global economy. 4 So today, we are going to study the circular flow of income. 5 Let’s make things really simple. 5 Imagine we are alone on an isolated island. There’s no government, no trade, no savings. I told you, it's simple! 6 There’s only firms and households. (2-sector economy: firms + households (closed economy)) 7 Firms provide households with goods and services. 7 Out of thin air? 7 Nah.. 8 Firms gotta get factors of production from households. 8 It can be labor, land, capital or… 8 Face it. Some of us in households are going to be entrepreneurs. (For more information on factors of production: check out this video) 8 So…entrepreneurship. 9 For free? You wish! 9 We don’t get freebies from firms. 9 We don’t provide labor for free either. 10 So there’s money flowing in the opposite direction. 11 Households gotta pay firms for the goods they get. 12 Firms also gotta pay households in the form of wages, rents, interests or profits. 12 But this is a little weird. 12 We don’t spend everything we earn in real life. 13 So let’s add savings. 13 Savings is money we don’t spend. 13 So there’s money flowing out. 14 Hey, savings don’t just sit in banks… 14 Banks invest in firms by lending to them. 14 Cos firms need money to buy capital equipment or cover other costs of production. 14 So there's investments flowing into the economy. 14 Bravo! Awesome! 14 But this is a little too simplified. 15 Let’s add government. (3 sector economy: firms + households + government) 15 Government buys stuff as well. 15 So there’s money flowing in. 16 Government gets money from taxes. 16 Taxes. So there’s money flowing out. 16 Cos for the money we’re paying as taxes, we cannoyt spend it. 17 Lastly, countries interact with one another. 17 Imagine this is an American economy. 18 Let’s add trade. (4 sector economy: firms + households + government + foreign sector) 18 America imports stuff. 18 For example, America can import shoes from China. 18 Shoes flow from China into America. 19 And money spent on imports flows out of America into China. 19 America exports too. 19 America can produce software 19 and export it to foreigners, 20 Money then flows from foreign countries into America. 20 This is America's export earnings. 21 Investments, Government Spending and Export earnings are called Injections. 21 Cos money is flowing in. 22 Savings, taxes and import spending are called leakages or withdrawals. 22 Cos money leaks out of the system. And hey, injections and leakages are sort of related. Investments come from savings. Government spending comes from taxes. America makes money from foreigners by exporting. But foreigners also make money from America when America imports. Wow…no wonder it's Circular Flow of Income It tells us roughly how an economy functions. 23 How do we measure the size of an economy then? 24 By measuring Gross Domestic Product or GDP. 24 GDP is the total value of all final goods and services produced within the borders of a country during a given period. 25 Why must it be FINAL goods and services? (Hint: it's in the next video) 26 If you like this video, remember to like and subscribe. 27 Next up: Measuring GDP: Output Approach _______________________________________________ How does an economy function? Look at the Circular Flow of Income. Who are the major players in an economy? In order of increasing complexity, there are: 2-sector economy: households + firms 3-sector economy: households + firms + government 4-sector economy: households + firms + government + foreign sector There are real goods and services flowing in one direction in the circular flow of income and money flowing in the opposite direction. When money flowing to the country, it's called injections. When money flows out, it's called withdrawals or leakages. Injections consist of government spending, investments and exports. Leakages or withdrawals include imports, taxes and savings. Injections and leakages/withdrawals are related to each other. This is because government spending comes from tax revenues and investments, at least the local component, come from savings. That said, investments can flow from foreign countries in the form of foreign direct investments (FDI). Lastly, while money can flow from foreign countries when we export overseas, money also leaks out of the country because we import. Important definitions: Gross Domestic Product or GDP is the total value of all final goods and services produced within the borders of a country during a given period. Use flashcards to remember these definitions in economics: http://www.memrise.com/course/461808/economics-101/
Views: 124979 Economics Mafia
Types of financial markets and their functions (August 2013)
In the series „A Cup of Coffee with Rainer Münz" our expert explains economic and financial terms and topics.
Views: 6773 Erste Group
Non-bank financial institution
A non-bank financial institution (NBFI) is a financial institution that does not have a full banking license or is not supervised by a national or international banking regulatory agency. NBFIs facilitate bank-related financial services, such as investment, risk pooling, contractual savings, and market brokering. Examples of these include insurance firms, pawn shops, cashier's check issuers, check cashing locations, payday lending, currency exchanges, and microloan organizations. Alan Greenspan has identified the role of NBFIs in strengthening an economy, as they provide "multiple alternatives to transform an economy's savings into capital investment [which] act as backup facilities should the primary form of intermediation fail." This video is targeted to blind users. Attribution: Article text available under CC-BY-SA Creative Commons image source in video
Views: 14960 Audiopedia
The Money Market- Macroeconomics 4.6
In this video I explain the money market graph with the the demand and supply of money. The graph is used to show the idea of monetary policy and how changing the money supply effects interest rates. Thanks for watching. Please subscribe Macroeconomics Videos https://www.youtube.com/watch?v=XnFv3d8qllI Microeconomics Videos https://www.youtube.com/watch?v=swnoF533C_c Watch Econmovies https://www.youtube.com/playlist?list=PL1oDmcs0xTD9Aig5cP8_R1gzq-mQHgcAH Follow me on Twitter https://twitter.com/acdcleadership
Views: 346024 Jacob Clifford
Merchant bank
A merchant bank is a financial institution that provides capital to companies in the form of share ownership instead of loans. A merchant bank also provides advisory on corporate matters to the firms they lend to. In the United Kingdom, the term "merchant bank" refers to an investment bank. Today, according to the U.S. Federal Deposit Insurance Corporation (acronym FDIC), "the term merchant banking is generally understood to mean negotiated private equity investment by financial institutions in the unregistered securities of either privately or publicly held companies." Both commercial banks and investment banks may engage in merchant banking activities. Historically, merchant banks' original purpose was to facilitate and/or finance production and trade of commodities, hence the name "merchant". Few banks today restrict their activities to such a narrow scope. This video is targeted to blind users. Attribution: Article text available under CC-BY-SA Creative Commons image source in video
Views: 2220 Audiopedia
Functions of Central bank : Economics tutorial CD
Functions of Central Bank : Economics tutorial CD Course: Higher secondary Education Subject: Macro Economics Chapter: Money and Banking Economics Music Album : by Pramod Maliankara
Views: 4575 Pramod V.S.
Matching transactions (reconciling) using Excel Pivot Tables | ExcelTutorials
Matching transactions (reconciling) using Excel Pivot Tables | ExcelTutorials Learn how to reconcile (or match) transactions using Excel Pivot Tables. Example workbook and more here: http://chandoo.org/wp/2014/06/10/matching-transactions-pivot-tables/ Do Subscribe, Like & Share my video if you like!! Click The Below Link To SUBSCRIBE: https://www.youtube.com/channel/UC8uU_wruBMHeeRma49dtZKA
Views: 137047 Learn Excel from Chandoo
From Bad Investments to Capital Requirements - How safe are Europe's banks? | Made in Germany
According to Sascha Steffen, Professor at the European School of Management and Technology (ESMT), toxic assets and failed investments are threatening the security of European banks. We speak with him about the risks facing European lenders and about the currency upheavals in emerging markets. More: http://www.dw.de/made-in-germany-the-business-magazine-2014-02-11/e-17376989-9798
Views: 496 DW News
Custodians, the best bet for banks
http://goo.gl/PGcvgE Custodian banks, sometimes referred to simply as Custodians, offer a unique investment within the financial sector according to Erin Davis from Morningstar Research. Custodian bank returns are expected to increase significantly within the next couple of years. Custodians are not like traditional banks because their main function is to provide safekeeping for financial assets like bonds and stocks. Their typical clients includeinstitutional firms with a considerable amount of investments such as banks, insurance companies, hedge funds and pension funds. Some of the best performing custodians are: Bank of New York Mellon, State Street and Northern Trust, each are fairly valued according to Morningstar. Erin Davis explains why custodians tend to be stable, well capitalised businesses, above-average dividend payers and therefore a good investment.
Treasury management
Treasury management (or treasury operations) includes management of an enterprise's holdings, with the ultimate goal of maximizing the firm's liquidity and mitigating its operational, financial and reputational risk. Treasury Management includes a firm's collections, disbursements, concentration, investment and funding activities. In larger firms, it may also include trading in bonds, currencies, financial derivatives and the associated financial risk management. Most banks have whole departments devoted to treasury management and supporting their clients' needs in this area. Until recently, large banks had the stronghold on the provision of treasury management products and services. However, smaller banks are increasingly launching and/or expanding their treasury management functions and offerings, because of the market opportunity afforded by the recent economic environment (with banks of all sizes focusing on the clients they serve best), availability of (recently displaced) highly seasoned treasury management professionals, access to industry standard, third-party technology providers' products and services tiered according to the needs of smaller clients, and investment in education and other best practices. This video is targeted to blind users. Attribution: Article text available under CC-BY-SA Creative Commons image source in video
Views: 7592 Audiopedia
Different between of function the Commercial Banks, and Central Bank
Hello Everybody. and Good Day to all of you, This is a part of my presentation for my assignment Principles of Economic. I have to talk about Difference between the function of Commercial Bank and Central Bank I am from University of Kuala Lumpur Business School,My pleasure need all of you that watch my video for likes my video. This is my assignment that my lecturer give up to ours to get a 200 likes. Thank you. I hopes all of you give some of the cooperation to likes my video. #my english is not very well. sorry
Views: 1212 Fatini Zahra
This is my first video actually for my second assignment under Principle of Economic subject in my semester one,please likes my video after watching.Thanks you ;D
Views: 387 shafikah aziz
Experience the world of Compliance at Barclays
"Compliance is really raising its profile and evolving its role, and inherent to that are a number of challenges which make it exciting and ever-changing." To me, compliance is absolutely at the heart of the Barclays strategy. At the heart of any successful institution there will be a strong compliance function. Historically, people have thought compliance was about complying with rules laid down by the external world, by the regulators, but actually it's not about that, it's about encouraging and helping everyone in an organisation to work to the values and the framework and the goals of that organisation.
The Differences between the function of central bank and commercial bank.
The Differences between the function of central bank and commercial bank. How does commercial bank create credit? We hope this information can help and please like the video as well. :)
Views: 1946 Ieqa Kamal
Model Risk Management for Banks and non-Banks
At the August 21, 2014 Chicago, Illinois GARP Chapter Meeting, a professional panel discusses how model validation differs between banks and non-banks, and practical challenges that affect all model validation teams as they seek to add value, and to appropriately size and scope their effort. Panelists: Michelle McCarthy, Chicago Chapter Director, Board of Trustees Member, and Buy-Side Risk Managers Forum Member, Global Association of Risk Professionals (GARP); Managing Director, Risk Management, Nuveen Investments Nav Vaidhyanathan, GARP Chicago Chapter Committee Member; Director, Head of Model Risk Management, Wintrust Financial Corporation Moderator: Robert M. Reed, GARP Chicago Chapter Committee Member; Director, Enterprise Risk Management, Options Clearing Corporation (OCC) Learn more about GARP Chapters: http://bit.ly/1l7ZOO8 Click here http://bit.ly/1l7ZUVW for more GARP Chapter Meeting presentations.
Views: 12668 GARPvideo
Differentiate between the Functions of Commercial Bank & Central Bank
Hello! Pls help me to get 200 likes for my Video Presentation Assignment for Economics subject! Thank you!
Views: 1021 Shep Julcie
Business Plan Presentation - How to write a business plan for investors
http://www.evancarmichael.com/support/ - SUPPORT ME :) Like this video? Please give it a thumbs up below and/or leave a comment - Thank you!!! Help me caption & translate this video! http://www.amara.org/en/profiles/videos/Evan%20Carmichael/ "hello Evan, i am a new subscriber :) i am a recent graduate with a great business idea for a home made cosmetics company. But my major wasn't business and i am having difficulty putting together a business plan, do you have a generic template for a professional business plan? or know a reputable site i could get one? thank you beeauty boxx"
Views: 56582 Evan Carmichael
Bank of America Merrill Lynch Global Corporate Banking Analyst
Kathryn Larin talks about her experience as an Analyst within Global Corporate & Investment Banking at Bank of America Merrill Lynch
Views: 22963 Bank of America
Introduction to the Central Bank Gold Agreement
This video explores the Central Bank Gold Agreement, and its role in current international monetary policy. Compare gold dealers: http://www.informedtrades.com/f227/ Learn more about investing and trading precious metals: http://www.informedtrades.com/f417/
Views: 677 InformedTrades
How did banks develop? A short history of the banking industry. (February 2013)
In the series „A Cup of Coffee with Rainer Münz" our expert explains economic and financial terms and topics.
Views: 6670 Erste Group
Excel Tutorial - Cleaning Up Data with TRIM, PROPER, and Text to Columns
In this Excel tutorial, you'll learn how to clean up data using the TRIM, PROPER, and Text to Columns functions (and more). By http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" Why Do You Need to "Clean Up" Data? Often you've pasted in data from websites or PDFs or other sources, and you get lots of ugly formatting and other problems, such as extra spaces, non-printable characters, etc. Also, data may be grouped together in cases where it's better to be separated (as in the address data here). This happens all the time on the job, and cleaning up the data makes your life easier and makes it 100x easier to manipulate and analyze it. You COULD go in and manually fix it, but you might want to jump off the roof of a tall building after doing that. Instead, we'll use these functions to automate the process: Text Manipulation Formulas (Across all PC and Mac versions): =TRIM Remove extra spaces =PROPER Makes first letter in each word uppercase =CLEAN Removes all non-printable characters from text =UPPER Capitalizes all letters in all words =LOWER Turns all letters in all words to lowercase Alt + A + E / Alt + D + E Text to Columns Ctrl + C Copy (CMD + C on the Mac) Alt + E + S + F Paste Formulas (Ctrl + CMD + V, CMD + F on the Mac) Alt + E + S + V Paste Values (Ctrl + CMD + V, CMD + V on the Mac) Alt + O + C + A Auto-Fit Column Width Alt + H + C + A Center Text How to Clean Up This Data in 5 Steps: 1. First, remove all the extra spaces and capitalize each individual word with TRIM and PROPER - could throw in CLEAN for good measure. 2. Then, separate everything into separate columns with the "Text to Column" function. May have to apply this several times if different characters separate each type of data (commas vs. spaces). 3. Fix anything that still requires fixing in these separate columns - capitalize all state abbreviations, make sure ZIP codes with trailing 0 still work properly (change format to text), and so on. May also need to apply additional TRIMs here. Must be really careful with copying and pasting data as values - have to do that to avoid errors! 4. Add column headers at the top, based on copy and paste of original header. 5. Delete extra rows/columns and shift everything over or up properly. What Next? Go apply this to real data that you're working with... depends a bit on the specific problems with the data, but you can never go wrong with TRIM, PROPER, and Text to Columns! If you're more advanced, you could try automating this entire process with VBA and macros, but that also gets complicated and may not save you much time since you need to know what the data looks like before writing code for that.
CFA Level I - Question Bank- Functions of a Central Bank
FinTree website link: http://www.fintreeindia.com FB Page link :http://www.facebook.com/Fin... We love what we do, and we make awesome video lectures for CFA and FRM exams. Our Video Lectures are comprehensive, easy to understand and most importantly, fun to study with! This Video lecture was recorded by our popular trainer for CFA, Mr. Utkarsh Jain, during one of his live CFA Level I Classes in Pune (India).
Views: 146 FinTree
Bullionvault Scam - Is It True
Get Free Gold Investment Kit: http://2by.us/gold Precious metals vaults used to be reserved for corporate clients (precious metals dealers, funds and banks). By introducing partial ownership of standard gold bars (allocated gold), BullionVault and GoldMoney have extended this possibility to individuals. Bulk transactions result in low spread, low commission and low storage fees, making allocated gold one of the most affordable types of gold ownership. BullionVault and GoldMoney review BullionVault and GoldMoney, each storing an equivalent of 2 billion dollars (that's over 30 tonnes of gold bars each) as of Q1/2013, are the market leading gold storage institutes. It's no surprise that in times of electronic banking, they bet on the web as their only sales channel and quickly became the market leaders. BullionVault and GoldMoney function like an online bank: every transaction has to be submitted through their secure website. If you want to store gold in their vaults, you are only allowed to buy it from them. But thanks to automated processes and very low personnel cost, the rates are much cheaper than if you were buying coins or bars from traditional dealers. The main trick is that they only sell one type of gold: the standard London Bullion Market Association approved "Good Delivery" bars, or shares thereof. This makes the automated purchase process simple and cost-effective. Clients become partial owners of these bars (unless they can afford a full bar). We mentioned the similarity these precious metals custodians have to online banks. But the online interface for placing orders is where the similarity with banks ends. A bank (any bank, also a traditional one), is somewhat of a black box: as a client, you don't know what fraction of deposits is lent out at a given moment ("fractional reserve banking"), how many loans are likely bad (even banks don't know this—if they did, they would never need to be bailed out), and how much speculating is going on in the investment banking department. BullionVault and GoldMoney stick to their core business: selling and storing your gold. Their only income is the sales commission and the monthly custody fee for gold storage. No loans, no investments, all gold remains 100% in the vault. And, of course, the gold is insured. Unlike with bank deposits, which are insured only up to the sum guaranteed by the government, the coverage of your gold is full. Not surprisingly, it is much cheaper to insure gold in an ultra-secure vault than to insure a bank that lends out its deposits and has an investment banking branch. More Resource: http://silvergolddaily.com/ Gold: http://en.wikipedia.org/wiki/Gold Silver: http://en.wikipedia.org/wiki/Silver IRA Account: http://en.wikipedia.org/wiki/Individual_retirement_account Gold Backed IRA: http://en.wikipedia.org/wiki/Gold_IRA silver gold "gold ira" "gold ira rollover" "buying gold" "how to invest in gold" "jim Sinclair" "laura ingraham" bullionvault "bullion vault" "gold bullion" "why buy gold" "gold investment" "invest in gold" "glenn beck" "investing in gold" "gold stocks" "gold investment news" "gold investing" "how to buy gold bars" "rush limbaugh"
Views: 806 Gold Investment
Basel III: New Regulatory Requirements
Basel III: New Regulatory Requirements: http://www.londonfs.com/programmes/Basel-III-new-regulatory-requirements/Overview/ Dr William Allen talks about the evolution of banking regulation from the early days of derregulation in the mid-1970s until the recent Basel III rules and its impact in current financial markets. Allen explains some of the key areas of focus of recent regulations, identify critical aspects of its implementation and provides some insights into how financial institutions can adapt to a new environment characterized by increased capital constrains.
Basic Investing Concepts Introduction
Join our e-learning course: https://www.udemy.com/basic-investing-concepts/ Institute for Financial Literacy http://finlit.sg
Investing for Beginners 01: Gold Silver Platinum
INVESTING 101: Gold Silver Platinum The value of gold is determined by the market 24 hours a day, nearly seven days a week. Gold trades predominantly as a function of sentiment; its price is less affected by the laws of supply and demand. This is because new mine supply is vastly outweighed by the sheer size of above-ground, hoarded gold. To put it simply, when the hoarders feel like selling, the price drops. When they want to buy, new supply is quickly absorbed and the gold prices are driven higher. Several factors account for an increased desire to hoard the yellow metal: Systemic Financial Concerns When banks and money are perceived as unstable and/or political stability is questionable, gold has often been sought as a safe store of value. Inflation When real rates of return in the equity, bond or real estate markets are negative, people regularly flock to gold as an asset that will maintain its value. War or Political Crises War and political upheaval have always sent people into gold-hoarding mode. An entire lifetime's worth of savings can be made portable and stored until it needs to be traded for foodstuffs, shelter or safe passage to a less dangerous destination. The Silver Bullet Unlike gold, the price of silver swings between its perceived role as a store of value and its very tangible role as an industrial metal. For this reason, price fluctuations in the silver market are more volatile than gold. So, while silver will trade roughly in line with gold as an item to be hoarded (investment demand), the industrial supply/demand equation for the metal exerts an equally strong influence on price. That equation has always fluctuated with new innovations, including: Silver's once predominant role in the photography industry (silver-based photographic film), which was been eclipsed by the advent of the digital camera. The rise of a vast middle class in the emerging market economies of the East, which created an explosive demand for electrical appliances, medical products and other industrial items that require silver inputs. From bearings to electrical connections, silver's properties made it a desired commodity. Silver's use in batteries, superconductor applications and microcircuit markets. It's unclear whether (or to what extent) these developments will affect overall noninvestment demand for silver. One fact remains; silver's price is affected by its applications and is not just used in fashion or as a store of value. Music by Kevin MacLeod "Decline" Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ http://incompetech.com/music/royalty-free/licenses/ Intro by: Laurent Caccia http://www.youtube.com/laurentcaccia
Views: 920 Shakaama
Quick Minute Tip: Commercial Banking
Melanie talks about setting up multiple accounts with various banks to set up a good commercial reputation for investment lending.
Bank versus Credit Union: What is Better for Real Estate Investors?
http://www.revnyou.com What is a better choice as a real estate investor? A credit union with great service or a major bank with more technology? Julie answers this question and a whole lot more around your banking choices as a real estate investor.
Types of Financial Institutions
The three types of banks found in our economy and the major functions of the Federal Reserve.
Views: 10729 Talena Smith
1. Could you give us brief bacgroud about your company? 2. What do you usually do in your department? 3. How are you different from the other departments of the company? 4. How life insurance can be an investment? 5. What is the beat life insurance investment? 6. Could you give, define and differentiate to us the types of insurance products with investment function in your company? 7. In those products that you mentioned, what are the benefits of having those products? 8. If a client wants to buy that particular product to invest, are there any other additional benefits aside from what you just mentioned? 9. What requirements are needed in acquaring insurance products? 10. Who can avail that particular product? 11. What is the minimum investment requirement? 12. How long can you invest it? 13. As a student, what is out edge if ever we will be having an investment at our age? 14. Is there a particular product allotted for student like us in your company?
Views: 7 daemon spade
Waterfall Returns Distribution in an LBO Model
What is a "Waterfall Returns" Schedule? CONCEPT: In a leveraged buyout or any deal where an investment firm acquires another company, they'll often own close to 100% of it... By http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" Table of Contents: 1:04: Example of Management Promotes / Waterfall Returns 3:29: Rationale for Management Promotes and Giving Away Ownership 4:25: Step-by-Step Modeling Process for Waterfall Returns 6:35: Excel Setup 7:12: Level 1 IRR Calculations 10:05: Level 2 IRR Calculations 12:38: Level 3 IRR Calculations 13:55: Level 4 IRR Calculations 14:23: How the Waterfall Distribution Affects IRRs to Everyone 17:35: Recap and Summary What is a "Waterfall Returns" Schedule? CONCEPT: In a leveraged buyout or any deal where an investment firm acquires another company, they'll often own close to 100% of it... But sometimes management will retain a small portion, or another investor group might retain a certain portion. Sometimes it ends there - but sometimes, that smaller group gets ADDITIONAL ownership and a higher stake upon exit if the investment performs well. This is called a "management promote" (if it's the management team that receives this as an incentive). EXAMPLE: A new leveraged buyout takes place, and the PE firm structures the deal to heavily incentivize the management team: For an IRR up to 10%, PE firm gets 95% and management team gets 5% of the proceeds. Then, for the portion of the IRR between 10% and 15%, the PE firm gets 90% and the management team gets 10%. For the portion of IRR between 15% and 20%, the PE firm gets 85% and the management team gets 15%. Then for the IRR above 20%, the PE firm gets 80% and the management team gets 20%. A PE firm might do this to create a "win win" scenario - yes, it loses some of its IRR by giving up a % to the management team... but if all goes well, the team should outperform and help the PE firm achieve a higher overall IRR. How Do You Model This Scenario? 1) Make assumptions for the initial investment and proceeds upon exit, plus the ownership percentages. 2) Make assumptions for how the proceeds split changes at different IRR levels. 3) For each "tier" of IRR, take the initial investment and calculate the amount of net proceeds upon exit that would correspond to that IRR. Example: $1,000 initial investment, and 10% IRR tier - multiply by (1 + 10%), then multiply that number by (1 + 10%), and so on until the exit year. 4) Determine the split of proceeds within that tier. If the actual proceeds are $1,500, for example, and $1,611 would correspond to a 10% IRR, you're done - just split the $1,500 between the PE firm and management team in a 95% / 5% split. But if it goes beyond that $1,611, you just split up the $1,611 according to those numbers and then save the rest for the next tier. 5) Determine the proceeds to distribute in the next tiers. For $3,000, for example, you'd distribute $1,611 and save ($3,000 - $1,611) for the next tiers. If you're at the 10% level and you get something below $1,611, you'd set the "proceeds for the next tiers" number to $0 (use a MAX function for this). 6) Keep doing this for each tier of IRRs until the end. The formulas get trickier as you move up because you need to use MIN and MAX to ensure that you don't get negative or nonsensical values. In Level 2, for example, the "Amount to Distribute and Split" is: =MIN(Net Proceeds That Correspond to 15% IRR in Year 5 minus Net Proceeds That Correspond to 10% IRR in Year 5, MAX(Total Net Proceeds minus Net Proceeds That Correspond to 10% IRR in Year 5, 0)) So you're taking the lesser of the proceeds between 10% and 15% IRRs, or the total remaining amount that can be distributed AFTER the Level 1 distributions. And that same type of logic continues as you move down, until the last tier. RESOURCES: http://youtube-breakingintowallstreet-com.s3.amazonaws.com/109-03-Simplified-Waterfall-Distribution-Before.xlsx http://youtube-breakingintowallstreet-com.s3.amazonaws.com/109-03-Simplified-Waterfall-Distribution-After.xlsx
Final 'Silver Fix': What Lessons Investors Can Learn
London Silver Fixing Limited in August will end its function as daily price setter of silver for bulk consumers. Sica Wealth Management chief investment officer Jeffrey Sica tells TheStreet's Joe Deaux that the end of the so-called silver fix won't affect retail investors. The banks behind the process are getting out of the business, which would leave large consumers to buy in bulk based on spot prices. Sica says this is probably a good move by the banks, and Sica dives into other so-called dark pools that investors should be aware of. The silver fix ends Aug. 14. Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV For more content from TheStreet visit: http://thestreet.com Check out all our videos: http://youtube.com/user/TheStreetTV Follow TheStreet on Twitter: http://twitter.com/thestreet Like TheStreet on Facebook: http://facebook.com/TheStreet Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet Follow TheStreet on Google+: http://plus.google.com/+TheStreet
Funds Transfer Pricing
Nancy Masschelein, VP, Market Management, Wolters Kluwer Financial Services, looks at why Funds Transfer Pricing is so important.
BPI Investment Funds 15s TVC 2014 [Official]
Start your investment today, talk to our Investment Counselors about the right investment for you http://bit.ly/OXLmb0 Ten thousand lang to start. We'll guide you in making that money grow. When you change the way you think about money, You can get the best out of life. Make the Best Happen. BPI.
Money in the modern economy: an introduction - Quarterly Bulletin article
For the Bulletin article introducing money in the modern economy, see: http://www.bankofengland.co.uk/publications/Documents/quarterlybulletin/2014/qb14q1prereleasemoneyintro.pdf Filmed by James Oxley
Views: 44475 Bank of England
How Does BitCoin Work?
If money is only valuable when we believe in it, how much is a BitCoin actually worth? Jonathan explains the virtual currency as well as how to mine it and the risks involved in investing. Whether the topic is popcorn or particle physics, you can count on the HowStuffWorks team to explore - and explain - the everyday science in the world around us on BrainStuff. Download the New TestTube iOS app! http://testu.be/1ndmmMq Watch More BrainStuff on TestTube http://testtube.com/brainstuff Subscribe Now! http://www.youtube.com/subscription_center?add_user=brainstuffshow Watch More http://www.youtube.com/BrainStuffShow Twitter http://twitter.com/BrainStuffHSW Facebook http://facebook.com/BrainStuff Google+ http://gplus.to/BrainStuff
CFA level I - Question Bank- Investments in Stagflation
FinTree website link: http://www.fintreeindia.com FB Page link :http://www.facebook.com/Fin... We love what we do, and we make awesome video lectures for CFA and FRM exams. Our Video Lectures are comprehensive, easy to understand and most importantly, fun to study with! This Video lecture was recorded by our popular trainer for CFA, Mr. Utkarsh Jain, during one of his live CFA Level I Classes in Pune (India).
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