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Alternative investments – a sensible option

Introduction Trade wars, Brexit and rising interest rates have contributed to a busy start to 2018. The FTSE100 has Fallen 8.4% since the start of the year, making it the worst performing major index. Uncertainty about the UK’s long-term relationship with the European Union remains a dominant theme and as a result, the UK economy … Read more

The financial system of the UK (structure, securities, regulation, challenges)

Abstract A financial system is made up of institutions and markets interacting in a complex manner to mobilize investment funds and provide facilities that including payment systems to finance commercial activity. Financial institutions in the system act as intermediaries between funds providers and funds seekers and where risk is transformed and managed (OECD website). The … Read more

Bank Strategy and Management assessment

1. What is universal banking? Why is it that, in recent years, universal banks seem to be performing worse than specialist banks? A universal bank is a financial services conglomerate that combines retail, wholesale and investment banking under one roof and reaping synergies between them. There is no standard definition for what qualifies as a … Read more

Finance coursework questions / Vanishing Technology (VT)

In the first part of this coursework, the explanations cover: Relationship between saving and investment Deficit in a countries budget meaning Gross Domestic Product meaning Effect of lowering interest rates Herd behaviour in investments Rational forecasts Dividend Valuation Model (DVM) The second part of the coursework is an essay on Vanishing Technology (VT). PART A … Read more

FDI (foreign direct investment) and Alternative Investment Funds (AIFs) in India

In India, FDI (foreign direct investment) has always been an important source of funding for startups. FDI policy is traditionally regulated under the Foreign Exchange Management Act, 2000 governed by the Reserve Bank of India. However, start-up funding through alternate investment funds are becoming increasingly popular thus bringing into the regulatory ambit the Alternate Investment … Read more

Practical application of Behavioural Finance in Asset Management

RESEARCH PROPOSAL 1) BACKGROUND My research interest centres on the practical application of Behavioural Finance in Asset Management. Behavioural finance is a relatively new but fast–growing field of finance following the pioneering work of Amos Tversky and Daniel Kahneman; Richard Thaler; Robert Shiller and others researchers (Sewell, 2010). The motivation to study this subject stems … Read more

Critical Evaluation of LIBOR Reforms

Introduction LIBOR is a benchmark rate, that represents the interest rate at which banks offer to lend funds to other banking institutes in the international interbank market, for short-term unsecured loans (Investopedia, 2018) . This interest-rate is determined by a panel of sixteen major banks (i.e. Barclays, JP Morgan Chase), who provide estimated rates in … Read more

Report to the Board of Directors of Outdoors PLC (financial management)

Contents Report to the Board of Directors of Outdoors PLC………………………..……………………………2 Highlights………………………………………………………………………………………………………..3 Profitability………………………………………………………………………………………………………………………….5/6 Liquidity……………………………………………………………………………………………………………………………….6 Investment…………………………………………………………………………………………………………………………..7/8 Efficiency……………………………………………….……………………………………….……..8/9 Investment Options……………………………………………………………………………………..9 NPV………………………………………………………………………………………………9/10/11 Internal Rate of Return………………………………………………………………………………12/13 Discounted Payback Period…………………………………………………………………………………………………..12 Non-discounting method of Investment Appraisal……………………………………………………14 Investment Approval……………………………………………………………………………….15/16 Optimal Policy Investment…………………………………………………………………………16/17 Conclusion…………………………………………………………………………………………17/18 Biblography………………………………………………………………………………………………………………………..19 Report to Board of Directors Dear Board of Directors Today Outdoors PLC a major competitor in producing high … Read more

Banks vs. Insurance companies

Insurance companies’ balance sheet is different from the classic bank model. Where banks write investments like loans or bonds in the asset’s part, Insurance companies write the asset they have insured in the asset side and in counterparty, they write a provision in the liability side. This is Bank of America latest Consolidated Balance Sheet. … Read more

Determinants of bank profitability and interest margin

ABSTRACT With reference to the sample of U.K schedule commercial banks, this dissertation attempts to examine determinants of bank profitability and interest margin from 2002 to 2008. We have run regression on a comprehensive set of hypothetical determinants that consist of bank- specific, industry-specific and macroeconomic indicators. Our results suggest that among many factors a … Read more

Islamic finance

Introduction: Islamic financial activity has become global, Islamic finance is one of the most promising models, after years without significant advances in this area. The financing needs, the weakness of the current system, will encourage most countries to introduce this type of financing. Islamic finance aims at solidarity and cooperation between economic agents by putting … Read more

RESEARCH ON MICROTRANSACTION

Abstract: In modern days, transactions can vary from a huge transaction to microtransaction. But Bitcoin and other cryptocurrency doesn’t allow a microtransaction without any transaction fee. A new cyptocurrency called IOTA has no transaction fees which means IOTA can be used for micropayments. We can send IOTA to an address with no fees charged. Basically, … Read more

Crowdfunding

Crowdfunding is now a global phenomenon and has proven to be effective in different sectors of the market. It has become inter alia a mechanism to garner funds or a financing mechanism for start-ups and small and medium sized enterprises (SMEs). In India, however, crowdfunding is still at a nascent stage. There exists no legal … Read more

Critically assess the extent to which the personal income tax can be regarded as a good tax

Introduction Income is considered as the main indicator of tax paying ability. Since taxation is now focused on controlling economic conditions whilst keeping equal distribution of income, the primary concern of most countries’ governments is to have a pleasing income tax system. Progressive income tax structures are generally encouraged to best serve equity during the … Read more

Fundamental Analysis of Private Sector Banks in India

ABSTRACT Banking companies in India are one the most favourable investment decisions by shareholders. The Fundamental analysis studies the various parameter influencing the risk and return of stocks. The profitability and growth of stocks can be determined by using Fundamental analysis, which in turn helps the shareholders to make a informed and profitable decision making. … Read more

Socially Responsible Investing

1. Introduction Wikipedia defines Socially Responsible Investing (SRI) as Socially responsible investing (SRI), also known as sustainable, socially conscious, “green” or ethical investing, is any investment strategy which seeks to consider both financial return and social good.[11] Simply put Socially Responsible Investing (SRI) is making investment decisions to achieve social and environmental returns without compromising … Read more