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Tier 1 capital is the primary funding source of the bank. It is the core measure of a bank’s financial strength from a regulator’s point…

A credit rating agency is a private company that looks at the creditworthiness of a large-scale borrower, such as a company or country. It is a…

Letter of Hypothecation is a written agreement, which authorizes a bank or lender to repossess and sell the pledged item in case of a default.…

The net present value (NPV) method can be a very good way to analyze the profitability of an investment in a company or a new…

Santorini (Greek: Σαντορίνη, pronounced (sandoˈrini)), officially Thira (Greek: Θήρα (ˈθira)) and classic Greek Thera (English pronunciation /ˈθɪərə/), is the supermodel of the Greek islands, a…

The reserve requirement is the total amount of funds a bank must have on hand each night. This is a regulation that sets the minimum…

Definition of Centralization – Centralization is a form of organizational structure where the decision making capability rests with the top management. A couple of hand-picked…

Bank Regulation is the formulation and issuance by authorized agencies of specific rules or regulations, under governing law, for the conduct and structure of banking.…

The required rate of return (RRR) is the minimum return an investor will accept for owning a company’s stock, as compensation for a given level…

Credit Union is a type of financial cooperative that provides traditional banking services. A credit union is a member-owned financial cooperative, controlled by its members…

The financial management rate of return (FMRR) is a unique, but highly complex real estate investing rate of return that some argue is a better…

The resignation letter falls under the category of a formal letter. It is a letter written by an employee to announce his/her intent to leave…