Bank Financial Management Case Study Example | Topics and Well Written Essays - 750 words

Bank Financial Management - Case Study Example bank has also increased its investment into the Federal Funds which may indicate that the bank’s overall policy may be to invest into risk free investments. Net interest income has shown consistent trends for three years however, non-interest income has declined too in year 1992. The overall risk profile of the bank therefore may be assessed through the mix of investment as well as lending made by the firm. Lending to high risk areas such as lending to companies etc. further investment into more secured avenues such as investing into government securities. The discussion on the interest rates by Mr. Jamison may not be entirely indicate the true assessment of the facts given the fact that it is relatively not known whether the lending made by the Bank is short term or long term in nature. Further the comment on the lack of high quality loans really need to be viewed from the perspective of the overall risk and return appetite of the bank. If the focus is on achieving the consistent returns, Bank may afford to have high quality loans however if the bank is willing to earn higher profitability its portfolio risk may need to be increased. Further, the overall rate sensitivity of the deposits also need to be discussed in much broader concept as it is not only limited to the interest rates but rather its impact on the lending shall also be taken into consideration which has not been discussed at length by various members of the ALCO. The present yield curve indicate the steep increase in the rates and as such there is an indication of increase in short term interest rates what is however, critical to note that the Bank shall focus on acquiring long term deposits rather than making investments into the long term securities. Since short term interest rates are anticipated to change therefore bank shall also focus on making short term loans. This therefore would further require the bank to look for more of working capital and consumer loans rather than increasing its

No particular topic Essay Example | Topics and Well Written Essays - 3000 words

No particular topic - Essay Example ersight Service (IOS) was created in 2001 so as to improve not only the practice of governance but also the practice of internal control and risk management (UNESCO, 2015d). Therefore, aside from forming the â€Å"Internal Audit† branch, the IOS is also composed of two (2) other branches such as the â€Å"Investigation† and the â€Å"Evaluation† (UNESCO, 2015d). In general, UNESCO’s â€Å"Internal Audit† aims to improve its main operations by creating a systematic approach in improving the effectiveness of objectives (i.e. governance, internal control, and risk management) (UNESCO, 2015e) whereas the â€Å"Investigation† branch aims to investigate any conflict or any misconduct or violation of laws such as fraud and corruption that arises in different departments (UNESCO, 2015f). The main purpose of creating the â€Å"Evaluation Section† (EVS) is to ensure that the organization will be able to come up with a much better policy development (UNESCO, 2015g). Often times, improvements in evaluation practices can be done by implementing strict accountability and transparency as well as creating new strategies on how to effectively improve the existing evaluation and management practices (UNESCO, 2015g). ‘effectiveness’, ‘impact’, and ‘sustainability’ (Parsons, 2007, p. 8). In relation to the UNESCO evaluation criteria, this essay seeks to evaluate its impact on how to reduce the habit of smoking. As part of going through the main discussion, the key policy drivers behind the anti-smoking policy will be first identified followed by critically evaluating its effectiveness in terms of meeting the goal of reducing people’s smoking habit. Eventually, the effectiveness of the key policy drivers will be criticized not only within the local but also within the national and international level. The concept of policy development is all about being able to create â€Å"evidenced-based recommendations† that can be used as a guide in educating people through health