For Lack of Documentation, 40%–50% of Women’s Loan Applications are Denied

For Lack of Documentation, 40%–50% of Women’s Loan Applications are Denied

According to a study, the main factors contributing to the denial of women’s bank loan applications in Bangladesh include lack of or expired trade licenses,…
Available Balance

Available Balance

The “available balance” is calculated by subtracting the “posted balance” from the sum of “holds” with todays or future dates. It is the amount of…
Excess Reserves

Excess Reserves

Capital reserves maintained by a bank or financial institution in excess of what is needed by regulators, creditors, or internal controls are known as excess…
Residential Mortgage-Backed Security (RMBS)

Residential Mortgage-Backed Security (RMBS)

Residential mortgage-backed securities (RMBS) are a sort of debt-based investment that is backed by a large pool of residential mortgages (home loans). Because there is…
Proof of Funds (POF)

Proof of Funds (POF)

Proof of Funds (POF) is a letter or document certifying that there is sufficient funds (money) for a person, entity, or company to complete a…
Agency Bond

Agency Bond

The term agency bond is the debt issued by a government-sponsored enterprise (GSE) or a federal agency, also referred to as agency debt. Usually, though,…
Hypothecation

Hypothecation

The word “Hypothecation” implies giving the lender an asset as collateral security. It happens when an asset, such as income generated by the asset, is…
Schedule Bank

Schedule Bank

Schedule Bank Banks implies the financial institution that takes public deposits and extends credit to those who need it. They are a substantial part of…
Free Banking

Free Banking

Free banking is an establishment where note-issuing banks are allowed to set up in the same way as any other type of business. It is…
Bank Reserves

Bank Reserves

Bank reserves are the minimum cash reserves that financial institutions must keep in their vaults at any given time. These are a commercial bank’s cash holdings…
Regulatory Capital

Regulatory Capital

A Regulatory Capital (also known as capital adequacy) is the amount of capital a bank or another financial institution has to have as required by…
Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is the ratio of a bank’s capital in relation to its risk-weighted assets and current liabilities. It is also known as…
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