Exposure of Saudi banks to credit risk

PART 1

Source: Research article:

Ishtiaq Ahmad Bajwa, 2019 vol:23 issue:5, Assessment of credit risk management of Saudi banks.

Go through the attached research paper and answer the following questions. (Answer should be in 1200 words.)

• Discuss Exposure of Saudi banks to credit risk
• As per the article do you think that Saudi banks capital adequacy is sufficient to meet the Basel III requirement? Discuss your points
• The researchers of the paper have applied financial ratio analysis to analyze 12 Saudi banks. Suggest the researchers any other approach/method to measure credit risk and discuss why this method should be used?
• In the light of present COVID pandemic, which has liquidity impact on Saudi economy, discuss on the basis of your understanding of Saudi financial system, strength and weakness of Saudi banks to fight the upcoming challenges

PART 2

Choose 2 national “IN Saudi” companies and 2 international companies. Then, discuss and explain the 4 Methods of Managing the Culture for each one of those companies? Note, Do not use (Apple, Amazon, Noon and cream)

How does recent political rhetoric influence xenophobic behavior?

SWA: The Reasoning Roadmap

WR 121

A. Identify the Elements of Reasoning

Fill in the elements of reasoning for your Essay 2 in #1-4. These may have changed as a result of the work you have done since the Elements SWA, so update them here if your reasoning and thinking have changed. Consult handouts in the Enthymeme module to review the format and requirements for each as needed.

B. Phrase four of the Elements of Reasoning as questions that start with “how.”

Write the claim, reason, assumption, and the reason of the counter argument each as a question beginning with ‘how’ in #5-8.

C. Explain the Elements of Reasoning

For each of these questions, think about the following things:

1. Verbs—how do these verbs set up a schematic for the logic?
2. Ambiguous nouns—are there any words that need to be defined because your discourse community might interpret them differently from you?
3. Jargon terms—are there any words that need to be defined because you might know more about the topic than your discourse community?

For each of the “how” questions, write a paragraph (about 200 words each) that answers the question.

D. Provide the full bibliographic citation for two pieces of evidence from our class readings that illustrate the question at issue, support an aspect of the claim or reason, or help explain the assumption or counter argument. Remember that no outside sources are allowed without pre-approval.

Implement the Black-Derman-Toy (1990) interest rate model to value a callable bond and to derive risk measures such as effective duration and effective convexity.

Due: 12/2/21 (electronically), no late submissions accepted Project #1 35 Points Total

You will implement the Black-Derman-Toy (1990) interest rate model to value a callable bond and to derive risk measures such as effective duration and effective convexity. It is recommended that you refer to your class notes for this project. Use Excel to generate the answers to the following questions – a template is provided.

1. (10 points) Using the information from the table below, calibrate the benchmark forward rates for the binomial tree using the forward induction method.
σ Year 1 2 3 4 5 30% Zero Rates 3.1% 3.2% 3.5% 4.1% 4.3%
You will take the last two digits of your UIN and divide by 50000 and then add that amount to each zero rate. For example, if your UIN is xxxxxxx55, then take 55/50000 = 0.0011 and add that to each rate (e.g., 0.031 + 0.0011 = 0.0321, etc.)
Tree Calibration (a) For each of the UIN adjusted zero rates, compute the zero coupon bond price – do this per $1 face which gives a present value factor. (b) The rate for the first period is fixed; however, you need to find a set of forward rates, which at each time step are linked by σ, and which are also consistent with the respective zero coupon bond prices. For example, you will find a set of forwards y∗ 1,2 such that P(y∗ 1,2,σ) = Pz 2 , where Pz 2 is the zero coupon price. On the first step, you will have y∗ 1,2 and yu 1,2 = y∗ 1,2 e2σ √∆t (Note: I simplify this by using annual rates with the number of steps equal to the number of years, so √∆t = 1). (c) Once you find y∗ 1,2, use those rates, and repeat the process to find y∗ 2,3, i.e., forward induction. (d) Repeat the process to find y∗ 3,4 and y∗ 4,5. Compute the OAS, s∗

2. (8 points) Below is the price of a 5-year callable bond and that bond is not callable until year 2 (second interest rate step), You will find an OAS, s∗, such that callable bond priced off the calibrated forward rate tree equals the market price. Note: this is also another optimization, because you will want to minimize (Pmkt −P(s∗))2 as a function of s∗. Report your result to the nearest 1/10 of a basis point. Term Coupon Call Price Non-call period Market Price 5 years UIN Dependent $101 1 year $99.75
   The coupon is determined as follows: Coupon = 4.8 + ID/500, where ID is the last 2 digits of your UIN. 3. (6 points) Use s∗ to answer the following two questions: (a) What is the price of a non-callable bond priced at s∗, i.e., if you add s∗ to each zero rate, and price the bond without any callability, what is the price? (b) What is the option cost for the bond? (c) What is the ZV spread for the bond and option cost in basis points? Be careful: Bond is still callable and may be called early based on ZV forward rates so include this logic in your equations.
   Compute Effective Duration and Convexity
3. (8 points) You will do a parallel downward shift of the yield curve by 10 bps, recalibrate the curve and reprice the bond using s∗, then repeat the process shifting the yield curve up by 10 bps. What is the effective duration and convexity?
   Compute Vega, V 5. (3 points) Because your callable bond is short a call option you want to know the impact of volatility on the price. You will change volatility, say by 1%, recalibrate the forward rate tree, then reprice. Compute vega as:
   V =
   P(s∗,σ + 0.01)−P(s∗,σ) 0.01
   What is the predicted change in price for a 1% increase in volatility?

Why is an organization’s culture perhaps the most evident during crisis situations

المملكة العربية السعودية.                                                                                               

وزارة التعليم                                                                                                              

الجامعة السعودية الإلكترونية                                                                                          

College of Administrative and Financial Sciences

Assignment 3

Deadline: 04/12/2021 @ 23:59

For Instructor’s Use only

Instructions – PLEASE READ THEM CAREFULLY

• The Assignment must be submitted on Blackboard (WORD format only) via allocated folder.
• Assignments submitted through email will not be accepted.
• Students are advised to make their work clear and well presented; marks may be reduced for poor presentation. This includes filling your information on the cover page.
• Students must mention question number clearly in their answer.
• Late submission will NOT be accepted.
• Avoid plagiarism, the work should be in your own words, copying from students or other resources without proper referencing will result in ZERO marks. No exceptions.
• All answered must be typed using Times New Roman (size 12, double-spaced) font. No pictures containing text will be accepted and will be considered plagiarism).
• Submissions without this cover page will NOT be accepted.

Course Learning Outcomes-Covered

Assignment 3

Reference Source:

Textbook:-

Colquitt, J. A., LePine, J. A., & Wesson, M. J. (2019). Organizational behaviour: Improving performance and commitment in the workplace (6th ed). Burr Ridge, IL: McGraw-Hill Irwin.

Case Study: –

Case: Delta / United

Please read the case “Delta / United” from Chapter 16 “ORGANIZATIONAL CULTURE” Page: – 533 given in your textbook – Organizational behaviour: Improving performance and commitment in the workplace (6th ed).  by Colquitt, J. A., LePine, J. A., & Wesson, M. J. (2019) and Answer the following Questions:

Assignment Question(s):

1.   Why is an organization’s culture perhaps the most evident during crisis situations? (1.25 Marks ) (Min words 150-200)

2.   What causes companies like Delta and United to become so different in regard to organizational culture? (1.25 Marks ) (Min words 150-200)

3.   What will it take for United to overcome its culture that has been built up over such a long period of time? (1.25 Marks ) (Min words 200)

Part:-2

Discussion questions: – Please read Chapter 16 “ORGANIZATIONAL CULTURE” Carefully and then give your answers based on your understanding.

4.   Have you or a family member worked for an organization that you would consider to have a strong culture? If so, what made the culture strong? Did you or they enjoy working there? What do you think led to that conclusion? (1.25 Marks ) (Min words 200-300)

Important Note: – Support your submission with course material concepts, principles, and theories from the textbook and at least two scholarly, peer-reviewed journal articles.

Due date for the submission of Assignment:- 3

• Assignment-3 should posted in the Black Board by end of Week-11. 
• The due date for the submission of Assignment-3 is end of Week-13.

Answer:

1.

2.

3.

.

.

difference between income realization and income recognition

Q-1- To make income taxable, income must be realized and recognized. Explain in your own words the difference between income realization and income recognition, and then provide a short numerical example to indicate the difference (Do not copy the same numerical example from other students). (1.5 mark)

Q.2- Mr. X and Mrs. Y are married and have two dependent children. P & Q They also fully support Mrs. Y’s mother who lives with them and has no income. Their 2014 tax and other related information is as follows: (2 marks)

Required: Compute Mr. X and Mrs. Taxable income. (Show all calculations in proper /good form.)

Q.3- Ahmed’s medical expenses include the following: (1.5 mark)

Ahmed’s AGI for the year is $66,000. He is single and age 59. Insurance company reimburses none of the medical costs and other related items. After considering the AGI floor,

system analysis and design

Guidelines for SAD 1 (system analysis and design)

Take an Information System from any domain (or as per submitted proposal) and perform the analysis. To report your analysis, consider following points.

1. Preliminary investigation
   1. Problem definition

Develop a complete problem definition including the problem statement, issues, objectives, non-functional requirements, scope, and constraints.

1. Feasibility study

Discuss all types of feasibility.

1. Major roles in the system

List and briefly describe the major staff roles in the proposed system.

1. Data collection techniques

Describe what techniques will be used to collect the data for your study.

1. Functional requirements

Develop a detailed specification of functional requirements and link it with the major roles in the system.

1. Time estimation

Develop time estimates for project activities.

• System Analysis
  • Context diagram

Draw and describe the context diagram in detail.

• Data Flow Diagram

Develop and describe the DFD level 0 and level 1 diagrams.

• Data dictionary

Develop the data dictionary.

Note: The headings and subheadings listed above may further get sub divided as per the requirement of specific case study or project.

personal code of ethics

Instructions – PLEASE READ THEM CAREFULLY

• The Assignment must be submitted on Blackboard (WORD format only) via allocated folder.
• Assignments submitted through email will not be accepted.
• Students are advised to make their work clear and well presented, marks may be reduced for poor presentation. This includes filling your information on the cover page.
• Students must mention question number clearly in their answer.
• Late submission will NOT be accepted.
• Avoid plagiarism, the work should be in your own words, copying from students or other resources without proper referencing will result in ZERO marks.
• All answered must be typed using Times New Roman (size 12, double-spaced) font.
• Submissions without cover page will NOT be accepted.

Assignment 3      

Submission Date by students:  Before the end of Week 13

Place of Submission: Students Grade Centre via blackboard.

Weight: 05 Marks

CLO: Develop the ability to rise to ethical issues and challenges in the context of public management.                   

We expect you to answer each question as per instructions in the assignment. You will find it useful to keep the following points in mind. The assignment with be evaluated in terms of your planning, organization and the way you present your assignment. All the three section will carry equal weightage

Kindly read the instruction carefully and prepare your assignment accordingly.

1) Planning: Read the assignments carefully, go through the Units on which they are based. Make some points regarding each question and then rearrange them in a logical order. (1.5 Marks)

2) Organisation: Be a little selective and analytical before drawing up a rough outline of your answer. Give adequate attention to question’s introduction and conclusion. (1.5 Marks)

Make sure that:

a) The answer is logical and coherent

b) It has clear connections between sentences and paragraphs

c) The presentation is correct in your own expression and style.

3) Presentation: Once you are satisfied with your answer, you can write down the final version for submission. If you so desire, you may underline the points you wish to emphasize. Make sure that the answer is within the stipulated word limit. (2 Marks)

Write an essay in about 1000-1200 words on the following topic.

Provide a statement explaining your own personal code of ethics. Include at least 4 codes in your answer with enough explanation and examples. Refer to concepts learned in class or in the textbook and link them to your justification.

In addition, discuss whether personal code of ethics could clash with organizational ethics. Some people believe, that personal ethics and organization’s ethics are two different and unrelated concepts. Others, believe that personal ethics should be applied to organization’s ethics. Is it possible that our personal beliefs and ethics are applicable to our work? Discuss.

Important: You are required to present at least three scholarly journals to support your answers

Ethics and Religion

What is the basic difference between Philosophical Ethics and how ethics

are considered within philosophy as a discipline and Religious Ethics?

Contrast a religious ethic of virtue with a religious ethic of obligation?

Give an example of each. Also give an example a religious leader or

hero/shero who has served as a virtuous model. Which virtues does

he or she exemplify?

How does natural law figure in as a source of moral guidance? Livingston

mentions Confucian and Catholic examples. To these I would add Native

American teachings on how humans learn moral action through studying

nature (creation).

How has an ethic of Divine Command served Judaism and Islam? What

Divine Command story did Kierkegaard wrestle with? What 20^th century

issue are we still wrestling with?

How do religion, ethics, and climate change fit together?

Why might we need a new kind moral guidance and ethics to deal

with global scale problems like ecocide, genocide, and climate change?

How do you go about making moral decisions? Are you more inclined

to follow a virtue ethic? A moral leader? An ethic based on a conception

of natural laws? An ethic from revealed divine commandments? Some

other method? Or simply your own feelings and intuitions? Include an

example of a moral decision that you have recently wrestled wit

Identify the type of information Jeff Kessinger needs to gather

Falcon Oil and Petroleum (FOP) is one of many oil companies

operating offshore petroleum platforms in the Gulf of Mexico. The

company identifies offshore sites for exploration drilling and constructs

drilling platforms. Once exploration activities are successful, the

platforms are converted to a production platform to extract crude oil and

natural gas. FOB operates multiple platforms and an onshore facility that

serves as the primary interface between the platforms. Boats with

specialized crews provide logistics services between the platforms and the

onshore facility. The boats deliver fuel, water, equipment, and other

needed supplies multiple times a day to the platforms. Accurate and

timely delivery of materials is absolutely necessary for successful platform

operations.

FOP had traditionally focused on exploration and production

activities, paying little attention to operating costs. However, operating

costs had been increasing rapidly. A particularly significant cost was the

operating of boats and crews needed to provide logistics services

between platforms and the onshore facility.

The boats are highly specialized, with built-in storage tanks and

unique cargo space designs. The boat crews are specially trained, and

operating the boats and crews is highly expensive.

Although FOP is dependent on the boat deliveries, it does not use

the boats at full capacity, and they are often idle. Jeff Kessinger, director

of offshore operations for FOB, is now faced with the decision of how to

reduce operating costs. One option is to outsource the logistics service to

a company specializing in providing offshore logistics services. Logistics-

Offshore Inc. is such a company, owning and maintaining its own fleet of

boats and crews. Logistics-Offshore could be hired to perform this

function. FOB could sell its boats and focus on oil exploration.

Jeff is aware that outsourcing is an important strategic decision and

there is much to consider. He is not sure where to begin.

Case Questions

1. Identify the potential strategic advantages and disadvantages for FOP

in outsourcing the boat logistics service to Logistics-Offshore. Explain the

strategic implications of each.

2. Identify the type of information Jeff Kessinger needs to gather and

evaluate in order to make his decision.

Covid-19 vaccine program serve as a model for future innovations in biomedical technology

What factors enabled the unprecedentedly rapid development of the Covid-19 vaccine?

What does the Covid-19 vaccine case suggest about the role of public-private partnerships in the development, manufacturing, and distribution of biomedical products?

In what ways can the Covid-19 vaccine program serve as a model for future innovations in biomedical technology