What are the main determinants of bank failure Essay

What are the main determinants of bank failure - Essay Example new products and activities with little or no expertise or inadequate risk management controls Heavy reliance on brokered or agent transactions to fuel growth Growth can be monitored a number of ways, such as the Canary Benchmark Ratios designed to assist field managers. An example is the increase of a banks total loans and leases beyond a threshold percentage from the same quarter of the previous year. Another category of red flags is the Deterioration in the Economy, since bank performance and economic conditions in the markets are closely correlated. Some common economic indicators are bankruptcies and business failures, employment, consumer delinquency rates, existing home prices, gross domestic products, income, inflation rates, interest rates, the trade deficit, wages, and so on. A third category is Management Oversight Deficiencies, which generally include indicators of management irresponsiveness, inefficiency, and non-compliance with laws and internal standards. The fourth c ategory is Inappropriate Limits on OCC Access to Bank Staff and Documents, which comprise attempts of the bank to deny regulators the timely and complete access to information. The include refusal to provide information within a reasonable time period, use of agents such as bank counsel to pre-screen requests for bank documents, alternation of records prior to examiner review, and unexplained disappearance of key records, among others. The OCC also looks out for these other categories of red flags: Asset Quality Deterioration. Red flags include increasing levels of past due and nonperforming loans as percent of loans, increasing level of Other Real Estate Owned (OREO), and increasing levels of interest earned not collected (IENC) as a percent of loans, among others. Strained Liquidity. Some red flags are low levels of on-hand liquidity, declines in core deposit levels, significant increases

Journalism Portfolio-Action Plan Assignment Example | Topics and Well Written Essays - 500 words

Journalism Portfolio-Action Plan - Assignment Example The readers will find the articles helpful since they are a reflection of their daily lives as regards trends in fashions. These articles comprise of "London" City of Fashion, Trend Setters, and 24/7 London Fashion. I intend to develop skills in fashion design for any of the readers who want to venture in this field and those who are already in the field. This field would land the reader in gainful employment opportunities or even better, self employment. The outcomes of this learning are to develop knowledge in the reader on the different fashions available for people aged between 18 and 40. The reader needs to understand what appears most presentable for certain body sizes. I need my computer and the internet for reference. This will be important to derive knowledge on how to approach my respondents and such vital information. I also need emails for correspondence with popular blogs in London. This will ensure that I stay abreast to the most recent information regarding fashion in the city. The outcomes of this will be beneficial, as I will start my career in journalism. One of the skills I will acquire is on how to conduct interviews. I will learn how to deal with respondents to get correct information from them. The articles that I will compile will also be beneficial to me, as I will learn how to write articles. By having them published, I will earn some money from this; hence it is another good business opportunity for me. The specialization of these articles on fashion topic will help identify and analyse some of the pertinent issues and information related to fashion trends in the city. I will evaluate the learning outcomes from my readers by allowing them to give me feedback on the information they will gather. They are the people who will tell me if the articles were in any way helpful to