
- •Introduction……………………………………………………………………………………………………….……2
- •Introduction
- •Chapter 1. General theory
- •1.1 Risk management: definition, history and its role in banking
- •Types of risks in banking
- •Tools of Credit Risk Management
- •Reputational risk as one of the main risks
- •Importance of Reputation to Stakeholders
- •Vision Expansion
- •Chapter 2. Reputational risk cases
- •Conclusion
- •Bibliography
- •Appendices
- •Glossary
Appendices
Pic.1. Reputation and financial impact: corporate reputation watch.
Glossary
FSE-Financial Service Authority- Орган Управления Финансовыми Услугами
Claw-back -1.when a company takes back new shares that it had offered to its present shareholders, but they do not want to buy and offers them to other investors; 2. When an authority gets back money from a person who previously received it from them – запрос возврата
Swing trading- a sudden and noticeable change in the level rate, or position of something- свинг-трейдинг
KBW Bank Index – Index of 24 banking companies; a benchmark of the banking sector trades on Philadelphia Stock Exchange (Keefe, Bruyette and Woods)- Индекс КБВ
A lump sum – a compact sum of money for payment - единовременная выплата
Initial mortgage rates – the period of an introductory or “teaser” interest rate on mortgage - начальная ставка ипотеки
Prime rate – is the interest rate charged by banks to their most creditworthy customers – ставка по кредитам для первоклассных заемщиков
Pivotal role- used to describe the extreme importance of something-основная роль
Exchange Traded Funds - refunds or investment trusts that hold portfolios of stocks, etc. which closely track the movements of a specific - Биржевые индексные фонды
to invigorate – to give a life and energy, to stimulate- укреплять
robustness – powerfully built – устойчивость
crunch – to do very complicated calculations on large accounts of data in order to find out about something- сложные расчеты
FOMC- Federal Open Market Committee – Федеральный комитет по операциям на открытом рынке
algorithmic trading - trading which is conducted automatically with computers- алгоритмическая торговля
latency - is a measure of time delay experienced in a system, the precise definition of which depends on the system and the time being measured – время ожидания
Constituent Changes – a unit with a hierarchical structure - составляющие изменения
composite index – is an index made up of more than one column– сводный индекс
sub index - A group of securities that is part of an index – составляющий индекс
yardstick – a standard for making a judgment - критерий
livedoor - is an Internet service provider that runs a web portal and numerous other businesses
arrest warrants - is a warrant issued by and a Judge on behalf of the state, which authorizes the arrest and detention of an individual, or the search and seizure of ones property – ордер на арест
diluted stock – all the stock of a company considered together, especially after a share issue and dividends are spread over a large number of shares - разводненные акции
sleeper stock – a small stock that has not been performing particularly well, but that may do well in the future – спящая акция
freightage – the amount charged for carrying large quantities of goods from one place to another in a ship, plane, train and etc. – фрахтовка
third market – in the US, a market in which listed securities are bought and sold privately without using the stock market – третий рынок
no-par stock – stock that doesn’t have a particular value attached to it when it is issued – акции без номинала
benchmark index – one of the main indices for particular stock market – эталонный индекс
dividend cover – a company’s profits for a particular period measured in a relation to the amount that it pays out in dividends for the period of time – дивидендное покрытие
debt arrears – debt or interest that was not paid when it should have been and is still owed – долговые обязательства
attorney – a person who has the legal right to do things and make decisions on someone else’s behalf – доверенное лицо
intraday high – the highest level ever reached in a financial market on a particular day – самый высокий в протяжении сутки
incubation investment – investment in new companies which are failing to achieve their expected targets – инвестиции инкубации
linchpin – the most important thing or person in a system, plan etc. – опора
captive market – бесконкурентный рынок
non-callable notes – notes that cannot be repaid to lenders before the date originally fixed – неотзывные примечания
capped rate – an interest rate on a loan that can change, but can’t go above a certain value that is fixed at the time when the loan is taken out – покрытый уровень процентной ставки
delta shares – shares in small companies that are not often actively traded are not listed on SEAQ
tender – an offer to buy shares, which will be sold to the investor who offers the highest amount
dirty float – when a currency that is supposed to be floating is actually being kept close to a particular value by the actions of a country’s central bank – грязное изменение
LIBA – London Investment Banking Association – Лондонская инвестиционно-банковская ассоциация
Loan-loss provision – a provision made by bank for loans that will probably not be repaid – резерв на возможные потери, выданного кредита
Loan leverage – the amount that bank has lent in relation to its share capital – кредитный левередж ( рычаг)
Bailment – the right to use someone else’s property without becoming its owner – зависимое держание
Clearing bank – one of the High Street banks that issues and accepts cheques and passes them through the banking system – клиринговый банк
Eligible bank – in Britain one of the banks officially approved to accept certain bills of exchange that the Bank of England will then accept – банк, уделенный специальными правами
Endorsed cheque – a cheque on which the person the cheaue is made out to has written someone else’s name so that the other person can receive the money – чек, имеющий передаточную надпись
Spin-out – a separate and partly independent company formed from parts of an existing company – отпочкование
Price floor – a level below which prices are not allowed to fall – ценовой потолок/корридор
Vulture fund – a fund that invests in companies in difficulty, hoping to gain control of them and improve their performance – фонд «хищник»
Outstanding invoice – an invoice that has not been paid – неуплаченный счет-фактура
Lodgment – an amount of money that is paid into a bank account, or the act of paying money into a bank account – депонирование денежной суммы