200 words

Define and give an example of an exigent circumstance.

 

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For this assignment, write a 5–10 page report focusing on the interest rate risk management of your selected firm. Regulatory agencies began to collect relevant information in the 1980s when large numbers of thrifts failed due to the interest rate risk exposure at a time when market rates were increasing both in level and volatility.

Net Interest Margin (NIM) Data

1. Visit the Uniform Bank Performance Report (UBPR) section of the FFIEC Web site (see link below).
2. Click on Search for a Uniform Bank Performance Report. This brings you to a search engine where you can type in your Bank Holding Company’s name or FDIC number (such as Bank of America or BOA).
3. Once the search generates a report link, click on it and then choose Standard Format, and then Generate Report.

This report provides all kinds of information on your chosen bank, including summary ratios of the bank and of its peer group. You should be able to find Net Interest Income (NII) as a percentage of Total Assets (TA). You may notice that sometimes Total Earning Assets (TEA) is used as a denominator instead of Total Assets (TA).

Analysis

Once you have obtained the data on Net Interest Margin (NIM), write an analysis discussing the interest rate sensitivity for your bank relative to the peer group based on the NIM across three time periods. Take the following questions into consideration:

• What is revealed by the variation of the NIM across time?
• What are some of the factors, economic or otherwise that have played a role in the bank’s interest rate sensitivity?

Inferences for the Industry

Based on the analysis of the interest rate risk for this company, and asset-liability management techniques, as covered in course readings and research, what strategies and recommendations can you offer for hedging against credit risk and interest rate risk? Provide support for your position from relevant sources.

The company I have chosen to do is JP Morgan Chase Bank.

 

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Many of the men who contributed to the birth of our new nation had great plans for schools and other educational institutions. For many reasons, very few of their plans actually materialized. Select two plans (such as the defeat of Jefferson’s “Bill for the More General Diffusion of Knowledge,” or the unwillingness of the wealthy landowners to pay property taxes for the education of the poor) and explain why you believe these plans did not come to fruition. You must support your opinion with examples from the text and one additional source. Cite your sources in APA format as outlined in the Ashford Writing Center.

In addition, answer the following questions:

• Have we learned from the obstacles that our founding fathers faced?
• Do you see similarities between the obstacles our founding fathers faced and what we deal with today? Why, or why not?

 

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Overview

• Choose either utilitarian or deontological ethical theory to apply to the ethical question from the outline attached to this post.
• Explain the core principles of that theory.
• Demonstrate how the principles of the theory support a certain position on that question.
• Articulate a relevant objection to that position.

Instructions
Write a five-paragraph essay that conforms to the requirements below. The paper must be at least 1,000 words in length (excluding title and reference pages) and formatted according to APA style. The paragraphs of your essay should conform to the following guidelines:

• Introduction
  The introduction should clearly state the ethical question under consideration, and define the essential issues. Introduction should include a brief remark about the kind of theory you will be using to approach this question. The last sentence of the introduction should briefly summarize the or position on the issue you think is best supported by this theory and succinctly state what the objection will be. Bear in mind that your essay will not be concerned with your own position on this issue, but what someone reasoning along the lines of the chosen theory would conclude.
• Body Paragraphs
  Each paragraph in the body should start with a topic sentence that clearly identifies the main idea of the paragraph.

  • Theory explanation
    Explain the core principles or features of the deontological or utilitarian theory and the general account of moral reasoning it provides.

    You must quote from at least one required resource other than your textbook that defends or represents that theory.

  • Application
    Demonstrate how the principles or features of the deontological or utilitarian theory apply to the question under consideration and identify the specific conclusion that results from applying the reasoning characteristic of that kind of approach.

    Your application should clearly show how the conclusion follows from the main principles and features of the theory as addressed in the previous paragraph. Please see the associated guidance for help in fulfilling this requirement.

  • Objection
    Raise a relevant objection to the argument expressed in your application. An objection articulates a plausible reason why someone might find the argument problematic. This can be a false or unsupported claim or assumption, fallacious reasoning, a deep concern about what the conclusion involves, a demonstration of how the argument supports other conclusions that are unacceptable, etc. You should aim to explain this objection as objectively as possible, (i.e., in a way that would be acceptable to someone who disagrees with the argument from the previous paragraph).

    Note that this does not necessarily mean that the objection succeeds, or that the conclusion the theory supports is wrong. It may be an obstacle that any adequate defense of the conclusion would have to overcome, and it may be the case that the theory has the resources to overcome that obstacle. Your task here is simply to raise the objection or present the “obstacle.”

• Conclusion
  The conclusion should very briefly summarize the main points of your essay.

Resource Requirements

• You must use at least two scholarly resources to support your claims.
• To count toward satisfying the requirement, resources must be cited within the body of your paper and on the reference page and formatted according to APA style.

 

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