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Current Affairs Capsule July 2018
by Testbook.com

All the Important Current Affairs of July 2018 in one place. Download the PDF & have command over the General Awareness Section.

Credibility and Crisis Stress Testing
by Ms. Li L. Ong, Ceyla Pazarbasioglu

Credibility is the bedrock of any crisis stress test. The use of stress tests to manage systemic risk was introduced by the U.S. authorities in 2009 in the form of the Supervisory Capital Assessment Program. Since then, supervisory authorities in other jurisdictions have also conducted similar exercises. In some of those cases, the design and implementation of certainelements of the framework have been criticized for their lack of credibility. This paper proposes a set of guidelines for constructing an effective crisis stress test. It combines financial markets impact studies of previous exercises with relevant case study information gleaned from those experiences to identify the key elements and to formulate their appropriate design. Pertinent concepts, issues and nuances particular to crisis stress testing are also discussed. The findings may be useful for country authorities seeking to include stress tests in their crisis management arsenal, as well as for the design of crisis programs.

Incident Command for First Responders
by Terry Manwaring

This text is designed not only to provide answers and the tools for law enforcement to better function in a public safety environment designed on the principles of fire department response plans. It will identify those compromises necessary to comply with, or add to, the National Incident Management model in order to ensure that law enforcement issues are addressed. Without these compromises, future emergency responses to critical incidents by all public safety responders will prove as confusing and frustrating as those incidents NIMS is trying to renovate.  


Bank Loan Classification and Provisioning Practices in Selected Developed and Emerging Countries
by Alain Laurin, Giovanni Majnoni

This report reviews loan classification and provisioning practices in a broad sample of countries that vary in size, location, and level of financial development. The survey conducted for this book compares the regulatory approaches adopted by industrial and emerging economies, and is intended to complement other sources of information that focus exclusively on either industrial or developing countries. This report details loan classifications and provisioning practices prevailing in the 23 jurisdictions represented in the Basel Core Principles Liaison Group at the end of 2001. It includes classifications of individual and multiple loans, treatment of guarantees and collateral, bank loan review processes, loan loss provisioning, tax treatment of loan loss provisions, disclosure standards, and external auditors’ role.

Domestic and International Banking
by Mervyn Lewis, Kevin T. Davis

This text provides a modern statement of the theory and practice of domestic and international banking and finance. Today, banks are no longer limited to retail deposit-taking and lending operations; they engage in wholesale banking activities, off-balance sheet business, and activities beyond domestic markets. The principles of all these types of bank services are lucidly discussed. Separate chapters provide general background on payments systems, Eurocurrency markets, bank safety and depositor protection.

The authors’ conception is unique in providing a comparative study in a geographical sense (they deal with banking in the U.S., Britain, and Australia) and in an institutional sense, tracing parallels between operations of banks and other financial institutions, particularly insurance companies.

With the growing impact of financial innovations and the internationalization of financial markets, Domestic and International Banking is the innovative text needed for courses on monetary and banking policy and on capital markets and financial institutions.

Mervyn K. Lewis is Midland Bank Professor of Money and Banking at the University of Nottingham, and Kevin T. Davis is Professor of Finance at the University of Melbourne.


Global Banking Issues
by Edith Klein

The past two decades have witnessed tremendous change and growth in the financial sector in countries across the globe. At the heart of this sector is the banking industry, which wears a variety of hats in different countries. Leading issues within the purview of this book include: regulation, economic growth, offshore banking, risk exposure, bank mergers, lending policies and practices, liquidity, bank failures. This new book presents important analysis of global banking.

Macroprudential Policies in Southeastern Europe
by Dilyana Dimova

This paper presents a detailed account of the rich set of macroprudential measures taken in four Southeastern European countries—Bulgaria, Croatia, Romania, and Serbia—during their synchronized boom and bust cycles in 2003–12, and assesses their effectiveness. We find that only strong measures helped contain domestic credit growth, the share of foreigncurrency- denominated loans provided by the domestic banking sector, or the domestic banking sector’s reliance on foreign borrowing during the boom years. We also find that circumvention via direct external borrowing often fully offset the effectiveness of these strict measures, and thatmeasures taken during the bust had no discernible impact. We conclude that (i) proper calibration of macroprudential measures is of the essence; (ii) only strong, broad-based macroprudential measures can contain credit booms; (iii) econometric studies of macroprudential policy effectiveness should focus on measures rather than on instruments (i.e. classes of measures) and in so doing allow for possible non-linear and state-contingent effects.