CRR visuell

Die neuen EU-Vorschriften der Capital Requirements Regulation

DOWNLOAD NOW »

Author: Günther Luz,Werner Neus,Mathias Schaber,Peter Schneider,Claus-Peter Wagner,Max Weber

Publisher: N.A

ISBN: 9783791034300

Category:

Page: 280

View: 4149

Financial Regulation in the European Union

DOWNLOAD NOW »

Author: Rainer Kattel,Jan Kregel,Mario Tonveronachi

Publisher: Routledge

ISBN: 1317428846

Category: Business & Economics

Page: 332

View: 1707

This collection offers a comparative overview of how financial regulations have evolved in various European countries since the introduction of the single European market in 1986. It includes a number of country studies which provides a narrative of the domestic financial regulatory structure at the beginning of the period, as well the means by which the EU Directives have been introduced into domestic legislation and the impact on the financial structure of the economy. In particular, studies highlight how the discretion allowed by the Directives has been used to meet the then existing domestic conditions and financial structure as well as how they have modified that structure. Countries covered are France, Germany, Italy, Spain, Estonia, Hungary and Slovenia. The book also contains an overview of regulatory changes in the UK and Nordic countries, and in post-crisis USA. This comparative approach raises questions about whether past and more recent regulatory changes have in fact contributed to increase financial stability in the EU. The comparative analysis provided in this book raises questions on whether the past and more recent changes are contributing to increase the financial stability and efficiency of individual banks and national financial systems. The crisis has demonstrated the drawbacks of formulating the regulatory framework on standards borrowed from the best industry practices from the large developed countries, originally designed exclusively for large global banks, but now applied to all financial institutions.

Darstellung der Net Stable Funding Ratio gemäß dem Entwurf zur Capital Requirements Regulation II der Europäischen Kommission, Erläuterung möglicher Auswirkungen einer verbindlichen Mindestquote auf deutsche Sparkassen und Analyse von Steuerungsmöglichkeiten der Kennzahl

DOWNLOAD NOW »

Author: Stefan Kuhlmey

Publisher: BoD – Books on Demand

ISBN: 3746060702

Category: Business & Economics

Page: 92

View: 1817

Vor der Finanzkrise, ab dem Jahr 2007, wurde die Liquiditätsfristentransformation von einigen Banken im Vertrauen darauf, sich am Interbankenmarkt jederzeit kostengünstig refinanzieren zu können, exzessiv durchgeführt. Die Hypo Real Estate (HRE)-Tochter Depfa konnte ihre kurzfristigen Kredite aufgrund einer Vertrauenskrise am Geldmarkt nicht zurückzahlen und musste vom Staat gerettet werden. Das Beispiel der HRE hatte der Bankenaufsicht verdeutlicht, dass hier ein massives Risiko in einigen Bankbilanzen besteht. Die Reaktion des Basler Ausschusses auf das zu hohe strukturelle Liquiditätsrisiko einiger Banken war die im Rahmen von Basel III initiierte Net Stable Funding Ratio (NSFR). Seit Ende 2017 finden die Verhandlungen zwischen EU-Kommission, EU-Rat und EU-Parlament über die exakte Ausgestaltung der NSFR im Rahmen der Sondierungen zur Capital Requirements Regulation II (CRR-II) statt. Voraussichtlich wird die Kennzahl ab 2019 bzw. 2020 von allen europäischen Banken und Sparkassen einzuhalten sein. Eine Umsetzung der NSFR entsprechend des Entwurfs zur CRR-II würde die Hauptertragssäulen der deutschen Sparkassen belasten, da Erlöseinbußen und Kostensteigerungen zu erwarten sind. Dies gilt einerseits, weil die strukturelle Liquiditätskennzahl die Notwendigkeit schafft, im vermehrten Umfang minderrentable hochliquide Assets auf der Aktivseite zu halten. Andererseits, weil sie eine stabilere, langfristigere und damit meist auch teurere Refinanzierung auf der Passivseite erfordert. Zudem wird durch die NSFR die Funktion der Liquiditätsfristentransformation eingeschränkt und somit auch die Fristentransformationserträge reduziert. Längerfristige Aktiva erfordern mehr stabile Refinanzierungsmittel. Oder anders formuliert, sofern nicht ausreichend stabile Refinanzierungsmittel vorhanden sind, ist die Vergabe von längerfristigen Krediten eingeschränkt. Die im Rahmen des Studiums zum MBA an der Hochschule Koblenz erstellte Masterthesis stellt die NSFR gemäß des Entwurfs zur CRR II detailliert dar und untersucht die Auswirkungen einer verbindlichen NSFR auf deutsche Sparkassen sowie potentielle NSFR-Steuerungsmaßnahmen. Hierfür erfolgte eine umfangreiche empirische Untersuchung mittels problemzentrierter Interviews deutscher Sparkassen. Aus den gewonnen Erkenntnissen wurden anschließend sechs konkrete Handlungsempfehlungen abgeleitet. Die Arbeit wurde mit der Note 1,0 bewertet.

Liquiditätskennziffern und Verschuldungsquote

Zur Einhaltung und zum Gestaltungspotenzial aufsichtsrechtlicher Kennzahlen

DOWNLOAD NOW »

Author: Julia Gimbel

Publisher: Springer-Verlag

ISBN: 3658206527

Category: Business & Economics

Page: 235

View: 2695

Julia Gimbel legt primär die Normen dar, die in Anlehnung an die Basler Vorgaben im EU-Recht mit Blick auf die Mindestquoten das Risiko der Illiquidität und der Überschuldung zu begrenzen suchen. Zudem führt sie die Maßnahmen auf, die vonseiten der Bankinstitute sinnvoll erscheinen, um diesen regulatorischen Anforderungen zu genügen. Die Autorin arbeitet Handlungsempfehlungen heraus, die die liquiditätsbezogenen Kennzahlen sowie die Höchstverschuldungsquote positiv zu beeinflussen vermögen, wobei sie stets mögliche Interdependenzen zwischen den einzelnen bankenaufsichtsrechtlichen Kennzahlen berücksichtigt und die ökonomischen Auswirkungen beachtet.

Bankvertragsrecht 1

Organisation des Kreditwesens und Bank-Kunden-Beziehung

DOWNLOAD NOW »

Author: N.A

Publisher: Walter de Gruyter GmbH & Co KG

ISBN: 3110286033

Category: Law

Page: 416

View: 9171

Im Ersten Teil des Teilbandes zum Bankvertragsrecht wird der Rahmen des Bankgeschäfts erörtert: Mit Grundzügen des Aufsichtsrechts, mit einem Blick auf die Institutionen und Institutsgruppen und auch mit Grundzügen der Bankbetriebswirtschaftslehre. Im Zweiten Teil steht die allgemeine Bank-Kunden-Beziehung im Mittelpunkt: Dieses wird nacheinander mit den allgemeinen Pflichten, mit dem Bankkonto als dem zentralen Rahmenvertrag zur Abwicklung im Bank-Kunden-Verhältnis und mit den AGB-Banken und -Sparkassen als der zentralen allgemeinen rechtlichen Ausgestaltung abgehandelt.

Handbook of Basel III Capital

Enhancing Bank Capital in Practice

DOWNLOAD NOW »

Author: Juan Ramirez

Publisher: John Wiley & Sons

ISBN: 1119330823

Category: Business & Economics

Page: 560

View: 5021

A deeper examination of Basel III for more effective capital enhancement The Handbook of Basel III Capital – Enhancing Bank Capital in Practice delves deep into the principles underpinning the capital dimension of Basel III to provide a more advanced understanding of real-world implementation. Going beyond the simple overview or model, this book merges theory with practice to help practitioners work more effectively within the regulatory framework, and utilise the complex rules to more effectively allocate and enhance capital. A European perspective covers the CRD IV directive and associated guidance, but practitioners across all jurisdictions will find value in the strategic approach to decisions surrounding business lines and assets; an emphasis on analysis urges banks to shed unattractive positions and channel capital toward opportunities that actually fit their risk and return profile. Real-world cases demonstrate successful capital initiatives as models for implementation, and in-depth guidance on Basel III rules equips practitioners to more effectively utilise this complex regulatory treatment. The specifics of Basel III implementation vary, but the underlying principles are effective around the world. This book expands upon existing guidance to provide a deeper working knowledge of Basel III utility, and the insight to use it effectively. Improve asset quality and risk and return profiles Adopt a strategic approach to capital allocation Compare Basel III implementation varies across jurisdictions Examine successful capital enhancement initiatives from around the world There is a popular misconception about Basel III being extremely conservative and a deterrent to investors seeking attractive returns. In reality, Basel III presents both the opportunity and a framework for banks to improve their assets and enhance overall capital – the key factor is a true, comprehensive understanding of the regulatory mechanisms. The Handbook of Basel III Capital – Enhancing Bank Capital in Practice provides advanced guidance for advanced practitioners, and real-world implementation insight.

Jill's Gymkhana

DOWNLOAD NOW »

Author: Ruby Ferguson

Publisher: Fidra Books Limited

ISBN: 9781906123208

Category: Children's stories

Page: 193

View: 1070

Jill has always wanted a pony and when Farmer Clay offers her a piebald at a knockdown price, she jumps at the offer. The author was a real pony fan and created the first ever series of pony books.

Simply Seven

Seven Ways to Create a Sustainable Internet Business

DOWNLOAD NOW »

Author: Erik Schlie,Jörg Rheinboldt,Niko Waesche

Publisher: Palgrave Macmillan

ISBN: 0230308171

Category: Business & Economics

Page: 196

View: 6112

Simply Seven is a practical framework created to get entrepreneurs and executives started on finding the right Internet business model for their web site. It is based on the idea that there are seven business building blocks - which form the foundation of all Internet business models. SimplySeven emphasizes constant experimentation in selecting and fine-tuning one's business model and encourages using models outside of the narrow range of today's "hyped" candidates. Chapter by chapter, the book guides the reader through the lessons learned by the flagship pioneers of each business model: Skype for services, Blizzard Entertainment for subscriptions, Amazon.com for retail, Google for advertising, eBay for commissions and Apple for license sales. Regarding financial management, it is too early to tell which company will emerge as leader. However, Simply Seven does not just celebrate the successes; it also focuses on the biggest mistakes

Essential Dalí

DOWNLOAD NOW »

Author: Kirsten Bradbury

Publisher: Parragon Incorporated

ISBN: 9780752555164

Category: Art

Page: 256

View: 8740

Examines the work of Dali in detail showing the progress of his career as a painter of abstracts and portraits, a draughtsman, printer and illustrator and sculptor.

War Beneath the Sea

Submarine Conflict During World War II

DOWNLOAD NOW »

Author: Peter Padfield

Publisher: Turner Publishing Company

ISBN: 9781630262495

Category: History

Page: 594

View: 6634

A leading naval and military historian presents the first book to cover the major submarine campaigns in all the WWII theaters. Vividly recreates the experience of submarine and anti-submarine warfare from the decision makers in the war offices to the men in the boats. Describes the disappointing performance of the giant Japanese submarines in the Pacific and the narrow margin by which Britain escaped defeat by German U-boats in the Battle of the Atlantic. Reveals new information about the capture of the Enigma cipher machine, harrowing accounts of defenseless warriors shot in the water and much more. Contains 16 pages of photographs, many published for the first time.

Business Taxation and Financial Decisions

DOWNLOAD NOW »

Author: Deborah Schanz,Sebastian Schanz

Publisher: Springer Science & Business Media

ISBN: 9783642032844

Category: Business & Economics

Page: 401

View: 3738

Managerial decisions are considerably influenced by taxes: e.g. the choice of location, buying or leasing decisions, or the proper mix of debt and equity in the company's capital structure increasingly demand qualified employees in an economic environment that is becoming more and more complex. Due to the worldwide economic integration and constant changes in tax legislation, companies are faced with new challenges – and the need for information and advice is growing accordingly. This book's goal is to identify and quantify possible tax effects on companies' investment strategies and financing policies. It does not focus on details of tax law, but instead seeks to address students and practitioners focusing on corporate finance, accounting, investment banking and strategy consulting.

Finance Capitalism Unveiled

Banks and the German Political Economy

DOWNLOAD NOW »

Author: Richard Deeg

Publisher: University of Michigan Press

ISBN: 9780472109364

Category: Business & Economics

Page: 312

View: 1080

Explores the influence of global integration on the structure of national banking and financial systems using Germany as a case study

Capital Regulation, Liquidity Requirements and Taxation in a Dynamic Model of Banking

DOWNLOAD NOW »

Author: Mr. Gianni De Nicoló,Mr. Andrea Gamba,Marcella Lucchetta

Publisher: International Monetary Fund

ISBN: 1475531958

Category: Business & Economics

Page: 53

View: 9019

This paper studies the impact of bank regulation and taxation in a dynamic model with banks exposed to credit and liquidity risk. We find an inverted U-shaped relationship between capital requirements and bank lending, efficiency, and welfare, with their benefits turning into costs beyond a certain requirement threshold. By contrast, liquidity requirements reduce lending, efficiency and welfare significantly. The costs of high capital and liquidity requirements represent a lower bound on the benefits of these regulations in abating systemic risks. On taxation, corporate income taxes generate higher government revenues and entail lower efficiency and welfare costs than taxes on non-deposit liabilities.

Windows 7: The Missing Manual

DOWNLOAD NOW »

Author: David Pogue

Publisher: "O'Reilly Media, Inc."

ISBN: 9781449388874

Category: Computers

Page: 908

View: 4026

In early reviews, geeks raved about Windows 7. But if you're an ordinary mortal, learning what this new system is all about will be challenging. Fear not: David Pogue's Windows 7: The Missing Manual comes to the rescue. Like its predecessors, this book illuminates its subject with reader-friendly insight, plenty of wit, and hardnosed objectivity for beginners as well as veteran PC users. Windows 7 fixes many of Vista's most painful shortcomings. It's speedier, has fewer intrusive and nagging screens, and is more compatible with peripherals. Plus, Windows 7 introduces a slew of new features, including better organization tools, easier WiFi connections and home networking setup, and even touchscreen computing for those lucky enough to own the latest hardware. With this book, you'll learn how to: Navigate the desktop, including the fast and powerful search function Take advantage of Window's apps and gadgets, and tap into 40 free programs Breeze the Web with Internet Explorer 8, and learn the email, chat, and videoconferencing programs Record TV and radio, display photos, play music, and record any of these to DVD using the Media Center Use your printer, fax, laptop, tablet PC, or smartphone with Windows 7 Beef up your system and back up your files Collaborate and share documents and other files by setting up a workgroup network

Zur Geschichte Der Handelsgesellschaften Im Mittelalter. Nach Sudeuropaischen Quellen

DOWNLOAD NOW »

Author: Max Weber

Publisher: Gale, Making of Modern Law

ISBN: 9781289358389

Category:

Page: 184

View: 9953

The Making of Modern Law: Foreign, Comparative and International Law, 1600-1926, brings together foreign, comparative, and international titles in a single resource. Its International Law component features works of some of the great legal theorists, including Gentili, Grotius, Selden, Zouche, Pufendorf, Bijnkershoek, Wolff, Vattel, Martens, Mackintosh, Wheaton, among others. The materials in this archive are drawn from three world-class American law libraries: the Yale Law Library, the George Washington University Law Library, and the Columbia Law Library.Now for the first time, these high-quality digital scans of original works are available via print-on-demand, making them readily accessible to libraries, students, independent scholars, and readers of all ages.+++++++++++++++The below data was compiled from various identification fields in the bibliographic record of this title. This data is provided as an additional tool in helping to insure edition identification: +++++++++++++++Yale Law LibraryLP3Y100620018890101The Making of Modern Law: Foreign, Comparative, and International Law, 1600-1926Stuttgart: Ferdinand Enke, 1889viii, 170 p. 23 cmGermany

How to Save Your Marriage Alone

DOWNLOAD NOW »

Author: Ed Wheat

Publisher: Zondervan

ISBN: 0310425220

Category: Family & Relationships

Page: 62

View: 5226

Help for troubled marriages, especially for the person whose spouse is seeking a divorce, is here at last. Dealing with emotions, planning, decision-making, and the need to love, this book also contains two chapters excerpted from Love Life for Every Married Couple.

Excel 2007

The Missing Manual

DOWNLOAD NOW »

Author: Matthew MacDonald

Publisher: "O'Reilly Media, Inc."

ISBN: 0596527594

Category: Computers

Page: 831

View: 4300

Offering an updated overview of the latest version of the popular spreadsheet program, an informative manual covers the entire gamut of how to build spreadsheets, add and format information, print reports, create charts and graphics, and use basic formulas and functions, and includes helpful tips and step-by-step instruction in using the new user interface and tabbed toolbar. Original. (All Users)