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Full-Text Articles in Banking and Finance Law

Acoustic Factors In Forming Arabic Structure, Dr. Mohammed Jawad Al Nouri Jul 2020

Acoustic Factors In Forming Arabic Structure, Dr. Mohammed Jawad Al Nouri

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This paper is a study of the sound factors, which control the mechanism of sound changes, affecting Arabic sounds, when they hold adjacent positions, in certain morphological structural formations. It becomes clear to us, through linguistic patterns and examples in this paper, which are more influential than other adjacent sounds, that those sounds are characterized by certain features which make them dominant in the process of structural formation, most important among them are features of sibilant, velarization, voicedness, plosion, nasalization, being rolled, length of place of articulation, and the vowel characteristics called, in Arabic, (madd and liin). Moreover, it becomes …

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The Perceptions Of Al-Yarmouk University Students To Practice Global Announcement Materials Which Are Concerned Human Rights In Jordanian Society., Amin Mohanna, Muhammad Al-Khawaldeh Jul 2020

The Perceptions Of Al-Yarmouk University Students To Practice Global Announcement Materials Which Are Concerned Human Rights In Jordanian Society., Amin Mohanna, Muhammad Al-Khawaldeh

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This study tries to reveal the university students viewpoint in practicing the article of the international declaration of human rights in Jordanian society > this was done through a random sample consisting of 192 students of facilities of arts and education in Yarmouk University > to measure this viewpoint the researchers designed an instrument for this purpose which included all the articles of the international declaration of human rights and monitored the responses of the members of this samples to these articles according to an evaluative scale consisting of four levels (4) being the highest and (1) the lowest . Eight independent …

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Rain In The Modern Arabic Poem, Dr. Hussein Yousef Kharyush Jul 2020

Rain In The Modern Arabic Poem, Dr. Hussein Yousef Kharyush

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This research discusses the domains and the implicature of rain in the modern Arab poetry. Since the rain is connected to the origins of life, and is a symbol of renewal, the use of rain in the Arab poetry, in this way is considered among daring usages because it recaptures the historical symbols. And it’s used to express something about the Arab situations in this age. Finally, the new meaning dedicates new implicature of rain that is connected to the truth and reality when the poet loses this reality and seeks salvation.

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Punishment In International Relief Agency Schools At Jordan As Teachers And Students See It., Dr. Muhammad Mustafa Abu Alia Jul 2020

Punishment In International Relief Agency Schools At Jordan As Teachers And Students See It., Dr. Muhammad Mustafa Abu Alia

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

The purpose of this study is to know the viewpoints of teachers and pupils in UNRWA schools in Jordan towards punishment. A specially designed questionnaire was given to (862) pupils and (315) teachers from a random sample taken from five areas in Jordan. The Questionnaire consists of (34) items covering the following five domains: causes, aims, kinds, consequences of punishment as well as alternative and attitudes to punishment. The data obtained from the questionnaire were subjected to x2 (chi square) for the purpose to determining significant differences – in the above domains- between the teachers and pupils. The present study …

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Critical Vision Of Novel By Abed Al- Mohsen Bader, Dr.Yousef Abu Al-Odoss Jul 2020

Critical Vision Of Novel By Abed Al- Mohsen Bader, Dr.Yousef Abu Al-Odoss

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This paper investigates Abdul-Muhsin Bades methodology in study and criticism of the novel. The paper concentrates on the following points: 1-The conditions necessary for the writer’s vision. 2- Abdul-Muhsins view of the Idealism, romanticism and Aestheticism. 3-The character and its role in writing the novel. 4- Importance of time and place in the structure of the novel. 5-language and style of the novel. 6-Some general comments.

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Vowels Between Theoretical Standards And Pronunciation Characteristics, Dr. Samir Stitiah Jul 2020

Vowels Between Theoretical Standards And Pronunciation Characteristics, Dr. Samir Stitiah

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This research aim at classifying the theoretical and practical principles of vowels. Some of these principles are related to the acoustic features. The acoustic features can be observed in sonority and friction. The contextual criteria are observed in the phonological usages and practical linguistic level. However, the practical criteria can be easily observed in the articulatory features such as narrowing and the obstruction of the air- system. Cardinal vowels represent the duality of vowels, they represent the theoretical and practical aspects of vowels. Cardinal vowels are divided into: primary, secondary, and additional vowels. All cardinal vowels are defined according to …

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Grammatical Analysis By Eben Hisham Al-Ansari, Dr. Abdel Hamid Mustafa El Sayed Jul 2020

Grammatical Analysis By Eben Hisham Al-Ansari, Dr. Abdel Hamid Mustafa El Sayed

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

The writer made a presentation of syntactic analysis by IBN HISHAM AL – ANSARI in his book named (MUGHANI AL-LABEEB). He discussed his conception of (THE SENTENCE) agreeing with some of his conclusions and asking for reconsideration of others. He concluded his research by submitting some remarks that got the attention of the contemporaries during their consideration of the scope recent linguistics aspects. Afterwords the writer tried to exhibit the principles that IBN HISHAM followed in the field of syntactic analysis. He explained that IBN HISHAM took advantage of the principles of grammarians scattered through their judgments of linguistic structure. …

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The Promises And Perils Of Insurtech, Lin Lin, Christopher C. H. Chen Jul 2020

The Promises And Perils Of Insurtech, Lin Lin, Christopher C. H. Chen

Research Collection Yong Pung How School Of Law

The insurance sector, in riding the wave of the FinTech phenomenon, has been rapidly expanding, with a slew of firms having emerged to provide so-called “InsurTech” services. These services incorporate concepts such as blockchain, artificial intelligence, digitalisation and the sharing economy to various aspects of the insurance industry. This profusion of technology brings with it the promise of various benefits including increasing efficiency and lowering costs for not only insurers and intermediaries, but also businesses or consumers as end-users of insurance. However, the development of InsurTech comes with corresponding risks and regulatory concerns not currently accounted for by the traditional …

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Regulatory Impacts On U.S. Financial Institutions, Ngeyan Almutairi May 2020

Regulatory Impacts On U.S. Financial Institutions, Ngeyan Almutairi

LSU New Orleans Theses and Dissertations

In this paper, I examine data from 2000 to 2019 to assess the impact of banks’ regulations on the U.S. financial institutions’ performance. The first essay examines the impact of the Dodd-Frank Act on the U.S. banking industry. The findings show that the Dodd-Frank Act has a negative impact on banks’ profits, efficiency, solvency and cost of intermediation, the effect is stronger for smaller banks. The act shrinks the advantage of banks that are members of bank holding company compared to standalone banks. Capital requirements are associated with higher profitability, efficiency, and cost of intermediation, while assets liquidity ratio has …

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Singapore’S Puzzling Embrace Of Shareholder Stewardship: A Successful Secret, Dan W. Puchniak, Samantha S. Tang May 2020

Singapore’S Puzzling Embrace Of Shareholder Stewardship: A Successful Secret, Dan W. Puchniak, Samantha S. Tang

Research Collection Yong Pung How School Of Law

In the wake of the 2008 Global Financial Crisis, the UK created the first stewardship code which was designed to transform its rationally passive institutional investors into actively engaged shareholders. In the UK corporate governance context, this idea made sense. Institutional investors collectively own a sizable majority of the shares in most of the UK’s listed companies. In turn, if the UK stewardship code could incentivize them to effectively monitor management – to act as “good shareholder stewards” – the managerial short-termism and excessive risk-taking, which were identified as contributors to the GFC, could be avoided.The UK’s idea to adopt …

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Restructuring And Forgiveness In Financial Crises D: The Japanese Financial Crisis Of The 1990s, Christian M. Mcnamara, Andrew Metrick Apr 2020

Restructuring And Forgiveness In Financial Crises D: The Japanese Financial Crisis Of The 1990s, Christian M. Mcnamara, Andrew Metrick

Journal of Financial Crises

In November 1997 the Japanese government confronted a problem of enormous proportions when the turmoil that had been roiling the financial markets since the collapse of a real estate and stock market asset bubble in 1990 reached a crescendo with the failure of four major financial institutions in quick succession in the space of a month. Prior to these failures, the damage done by the collapsing bubble had seemed to be limited to certain segments of the financial landscape, and the government’s response consisted largely of targeted intervention when necessary for clearly insolvent financial institutions, with a more comprehensive approach …

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Restructuring And Forgiveness In Financial Crises C: The Swedish Banking Crisis Of 1990-94, Christian M. Mcnamara, Dr. Lars Thunell, Andrew Metrick Apr 2020

Restructuring And Forgiveness In Financial Crises C: The Swedish Banking Crisis Of 1990-94, Christian M. Mcnamara, Dr. Lars Thunell, Andrew Metrick

Journal of Financial Crises

In the Spring of 1992, the Swedish government faced a dilemma. The country was in the midst of an economic downturn stemming from the collapse of asset prices (especially in real estate) that had spiked as a result of a credit boom that followed the deregulation of the Swedish banking system in the mid-1980s. Initially the impact of the downturn on the country’s banks had seemed to be limited to a small number of specific firms that the government moved to assist on an ad hoc basis in 1991. However, evidence was mounting that the banking crisis was reaching a …

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Restructuring And Forgiveness In Financial Crises B: The Asian Crisis Of 1997, June Rhee, Andrew Metrick Apr 2020

Restructuring And Forgiveness In Financial Crises B: The Asian Crisis Of 1997, June Rhee, Andrew Metrick

Journal of Financial Crises

Asia’s economy, Thailand in particular, was booming when the financial crises hit in the 1990s. However, troubles were brewing underneath the seemingly buoyant economy. With a fragile financial system and ineffective domestic government responses to these troubles, an exchange rate crisis took over Thailand, and this crisis started a financial contagion in the neighboring countries. This case reviews the background and domestic government responses to contain the crisis, and the international intervention provided by the International Monetary Fund including the assistance and the required reforms accompanying the support.

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Guarantees And Capital Infusions In Response To Financial Crises B: U.S. Guarantees During The Global Financial Crisis, June Rhee, Andrew Metrick Apr 2020

Guarantees And Capital Infusions In Response To Financial Crises B: U.S. Guarantees During The Global Financial Crisis, June Rhee, Andrew Metrick

Journal of Financial Crises

During 2008-09, the federal government extended multiple guarantee programs in an effort to restore the financial market and contain the panic and crisis in the market. For example, the Treasury provided a temporary guarantee program for the money market funds, the FDIC decided to stand behind certain debts and non-interest-bearing transaction accounts, and the Treasury, the FDIC, and the Federal Reserve agreed to share losses in certain assets belonging to Citigroup. This case reviews these guarantee programs implemented during the global financial crisis by the government and explores the different rationale that shaped certain design features of each program.

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Guarantees And Capital Infusions In Response To Financial Crises A: Haircuts And Resolutions, June Rhee, Andrew Metrick Apr 2020

Guarantees And Capital Infusions In Response To Financial Crises A: Haircuts And Resolutions, June Rhee, Andrew Metrick

Journal of Financial Crises

After the mortgage market meltdown in mid-2007 and during the financial crisis in 2008, major financial institutions around the world were on the verge of collapsing one after another. Faced with these troubles, the government had to respond quickly to contain the crisis as efficiently as possible. It was, however, limited in resources, time, and experience. To make matters worse, the complexity and opaqueness of the financial market and these institutions greatly affected the government’s ability to design an efficient and consistent method to contain the crisis. Shortly after Lehman Brothers filed for bankruptcy on September 15, 2008, American International …

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Racialized Tax Inequity: Wealth, Racism, And The U.S. System Of Taxation, Palma Joy Strand, Nicholas A. Mirkay Apr 2020

Racialized Tax Inequity: Wealth, Racism, And The U.S. System Of Taxation, Palma Joy Strand, Nicholas A. Mirkay

Northwestern Journal of Law & Social Policy

This Article describes the connection between wealth inequality and the increasing structural racism in the U.S. tax system since the 1980s. A long-term sociological view (the why) reveals the historical racialization of wealth and a shift in the tax system overall beginning around 1980 to protect and exacerbate wealth inequality, which has been fueled by racial animus and anxiety. A critical tax view (the how) highlights a shift over the same time period at both federal and state levels from taxes on wealth, to taxes on income, and then to taxes on consumption—from greater to less progressivity. Both of these …

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Debt Bondage: How Private Collection Agencies Keep The Formerly Incarcerated Tethered To The Criminal Justice System, Bryan L. Adamson Apr 2020

Debt Bondage: How Private Collection Agencies Keep The Formerly Incarcerated Tethered To The Criminal Justice System, Bryan L. Adamson

Northwestern Journal of Law & Social Policy

This Article examines the constitutionality of statutes which allow courts to transfer outstanding legal financial obligations to private debt collection agencies. In Washington State, the clerk of courts can transfer the legal financial obligation of a formerly incarcerated person if he or she is only thirty days late making a payment. Upon transfer, the debt collection agencies can assess a “collection fee” of up to 50% of the first $100.000 of the unpaid legal financial obligation, and up to 35% of the unpaid debt over $100,000. This fee becomes part of the LFO debt imposed at sentencing, and like that …

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The (Unfilled) Fintech Potential, Aluma Zernik Mar 2020

The (Unfilled) Fintech Potential, Aluma Zernik

Notre Dame Journal on Emerging Technologies

Part I explores the idea that technology has the utopian potential to significantly improve the way individuals make financial decisions. Part II discusses some existing market failures, while presenting the potential of technological innovation in resolving such failures. Part III presents the realized potential of such innovative products, analyzing the design of credit card comparison websites, financial management tools, and mobile wallets. I will demonstrate the significant benefits of such products, and yet the limited realization of the potential advantages of such services. Part IV presents several explanations for why such potential is not being fully realized. These explanations may …

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توجه الخوارزمية لحل مشكلة انسياب العمل, بثينة فرحان, Hisham Al-Rawi Feb 2020

توجه الخوارزمية لحل مشكلة انسياب العمل, بثينة فرحان, Hisham Al-Rawi

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

تعرض الورقة توجها جديداً لحل مشكلة انسيابية العمل الورشي . يعتمد النظام الحاسوبي المعروض على الخوارزمية الجينية وعلى تمثيل مشكلة انسياب العمل الورشي على صورة مشكلة البائع المتجول . وعلى هذا الأساس تعرض الورقة حل مشكلة جدولة الماكنة . العمل . تتطرق إلى الاختيارات المناسبة للعوامل الأساسية في الخوارزمية الجينية. أظهرت النتائج المعطاة انحيازاً شديداً نحو الجدولة المثلى .

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The Poetry Of Al-Zubair Ben Abdul Mutaleb, Dr. Abd Al-Hamid Al-Mayini Jan 2020

The Poetry Of Al-Zubair Ben Abdul Mutaleb, Dr. Abd Al-Hamid Al-Mayini

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

The Poetry of Al-Zubair Ben Abdul Mutaleb

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Rejection Manifestations And Creativity Essence Reading In Amal Dongle’S Poetry, Bassam Kattous Jan 2020

Rejection Manifestations And Creativity Essence Reading In Amal Dongle’S Poetry, Bassam Kattous

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

This study aims to spell out the underlying principles of Amal Donguls rejectionist and explicate its active role in the process of creativity . Despite the difficulty, if not the impossibility, of separating ideology from art, which are dialectally related in criticism, this study will gave priority to the artistic aspect of rejectionist over the ideological aspect by inquiring into the essence of creativity in rejectionist, because the poeticalness of Amal’s rejectionist was not overridden by ideology or politics; rather it remained throughout his advanced artistic vision a manifestation of creativity.

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Inner Control For Basic Levels Students In Amman, Yousef Mahmoud Qutami Jan 2020

Inner Control For Basic Levels Students In Amman, Yousef Mahmoud Qutami

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

As a personality variable, (Loc) is considered an important factor of individual motivation in the learning – teaching setting. It is related to other psychological factors. The aim of the study was to determine the effect of each of variable of Sex,Grade,Level of A Cademic Self – Concept and , Motivation of Learning on the Loc of school student in Amman City . To achieve the objectives of the study the researcher used three Arabized and developed Measures : Measures of Academic self – concept , Measure of Learning Motivation, and Measure of Locus of control. Analysis of variance ANOVA …

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Names And Namings The Thematic And Symbolic Significance Of Names In Three Selected Modern American Short Stories_X000d_, Marwan Obeidat Jan 2020

Names And Namings The Thematic And Symbolic Significance Of Names In Three Selected Modern American Short Stories_X000d_, Marwan Obeidat

Al-Balqa Journal for Research and Studies البلقاء للبحوث والدراسات

In the modern American short story the name of a character often illuminates certain associations—symbolic and otherwise. As the title reveals, it is the purpose of this paper to briefly analyze the significance of certain names in three selected American short stories written after World short stories written after world war I to see how, and in what capacity, names of characters contribute to the thematic and symbolic subtlety of the works in which they appear, and simultaneously to see how they help us understand the human character themselves. I have thus sharply limited myself to a selected aspect of …

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Basel Iii G: Shadow Banking And Project Finance, Christian M. Mcnamara, Andrew Metrick Jan 2020

Basel Iii G: Shadow Banking And Project Finance, Christian M. Mcnamara, Andrew Metrick

Journal of Financial Crises

The Net Stable Funding Ratio (NSFR), a liquidity standard introduced by Basel III, seeks to promote a better match between the liquidity of a bank’s assets and the manner in which the bank funds those assets. The NSFR requires banks to maintain a minimum amount of funding deemed “stable” by the Basel framework based on the liquidity of the banks’ assets and activities over a one-year timeframe. One of the areas seen as most affected by this development may be bank participation in project finance for infrastructure development. Since the global demand for infrastructure development remains robust, the shadow banking …

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Basel Iii F: Callable Commercial Paper, Christian M. Mcnamara, Rosalind Bennett, Andrew Metrick Jan 2020

Basel Iii F: Callable Commercial Paper, Christian M. Mcnamara, Rosalind Bennett, Andrew Metrick

Journal of Financial Crises

One of the Basel Committee on Banking Supervision’s responses to the global financial crisis of 2007-09 was to introduce the Liquidity Coverage Ratio (LCR), a short-term measure that evaluates whether a bank has enough liquidity to meet expected cash outflows during a 30-day stress scenario. One area in which this incentive has already resulted in changed practices is in the market for commercial paper. Banks often provide backup liquidity facilities to the issuers of commercial paper that the issuers can draw upon to repay a maturing issue of commercial paper if they are unable to sell a new issue to …

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Basel Iii E: Synthetic Financing By Prime Brokers, Christian M. Mcnamara, Andrew Metrick Jan 2020

Basel Iii E: Synthetic Financing By Prime Brokers, Christian M. Mcnamara, Andrew Metrick

Journal of Financial Crises

Hedge funds rely on “prime brokerage” units within banks to provide leverage. With the enhanced capital requirements and new liquidity standards introduced by Basel III driving up the cost to banks of engaging in such financing, prime brokers have begun to offer an alternative means of providing hedge fund clients with leveraged exposure to securities. Known as synthetic financing, this alternative requires the prime broker to enter into derivatives contracts with the clients. Under the Basel III framework, the ability of banks to hedge and net such derivative positions results in capital and liquidity costs for synthetic financing that are …

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Basel Iii D: Swiss Finish To Basel Iii, Christian M. Mcnamara, Natalia Tente, Andrew Metrick Jan 2020

Basel Iii D: Swiss Finish To Basel Iii, Christian M. Mcnamara, Natalia Tente, Andrew Metrick

Journal of Financial Crises

After the Basel Committee on Banking Supervision (BCBS) introduced the Basel III framework in 2010, individual countries confronted the question of how best to implement the framework given their unique circumstances. Switzerland, with a banking industry that is both heavily concentrated and very large relative to the size of its overall economy, faced a special challenge. It ultimately adopted what is sometimes referred to as the “Swiss Finish” to Basel III—enhanced requirements applicable to Switzerland’s “too-big-to-fail” banks Credit Suisse and UBS that go beyond the base requirements established by the BCBS. Yet the prominent role played by relatively new contingent …

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Basel Iii B: Basel Iii Overview, Christian M. Mcnamara, Michael Wedow, Andrew Metrick Jan 2020

Basel Iii B: Basel Iii Overview, Christian M. Mcnamara, Michael Wedow, Andrew Metrick

Journal of Financial Crises

In the wake of the financial crisis of 2007-09, the Basel Committee on Banking Supervision (BCBS) faced the critical task of diagnosing what went wrong and then updating regulatory standards aimed at preventing it from occurring again. In seeking to strengthen the microprudential regulation associated with the earlier Basel Accords while also adding a macroprudential overlay, Basel III consists of proposals in three main areas intended to address 1) capital reform, 2) liquidity standards, and 3) systemic risk and interconnectedness. This case considers the causes of the 2007-09 financial crisis and what they suggest about weaknesses in the Basel regime …

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Basel Iii A: Regulatory History, Christian M. Mcnamara, Thomas Piontek, Andrew Metrick Jan 2020

Basel Iii A: Regulatory History, Christian M. Mcnamara, Thomas Piontek, Andrew Metrick

Journal of Financial Crises

From the earliest efforts to mandate the amount of capital banks must maintain, regulators have grappled with how best to accomplish this task. Until the 1980s, regulation had been based largely on discretion and judgment. In the wake of two bank failures, the central bank governors of the G10 countries established the Basel Committee on Banking Supervision (BCBS) and in 1988, the BCBS introduced a capital measurement system, Basel I. The system represented a triumph of the fixed numerical approach, however, critics worried that it was too blunt an instrument. In 1999, the BCBS issued Basel II, a proposal to …

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Jpmorgan Chase London Whale Z: Background & Overview, Arwin G. Zeissler, Rosalind Bennett, Andrew Metrick Jan 2020

Jpmorgan Chase London Whale Z: Background & Overview, Arwin G. Zeissler, Rosalind Bennett, Andrew Metrick

Journal of Financial Crises

In December 2011, the Chief Executive Officer and Chief Financial Officer of JPMorgan Chase (JPM) instructed the bank’s Chief Investment Office to reduce the size of its Synthetic Credit Portfolio (SCP) during 2012, so that JPM could decrease its Risk-Weighted Assets as the bank prepared to adopt the impending Basel III bank capital regulations. However, the SCP traders were also told to minimize the trading costs incurred to reduce Risk-Weighted Assets, while still maintaining the opportunity to profit from unexpected corporate bankruptcies. In an attempt to balance these competing objectives, head SCP derivatives trader Bruno Iksil suggested in January 2012 …

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