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GENERAL BANKING LAW (RA 8791)

ORGANIZATION OF A BANK

✓ Is a stock corporation

✓ Funds are obtained from public

(at least 20 persons)

✓ Minimum capital req’ts are met

STOCKHOLDINGS IN A BANK

✓ - Individuals and corporations may own or

control up to 40% of bank’s stockholdings

TYPES OF BANKS

1) Commercial bank – general

2) Universal bank – general + powers of investment

house; expanded commercial bank

3) Thrift bank – savings/mortgage/stock savings; under

Thrift Bank Act

4) Rural bank – normal credit needs of farmers,

cooperatives; under Rural Bank Act

5) Cooperative Bank – under Cooperative Act

6) Islamic Bank – under Shariah Law

7) Government-owned bank – for public purpose

BANKS

QUASI-BANKS

Function

Lend funds

Borrow funds

Sources

of funds

BANK

DEPOSITS

DEPOSIT

SUBSITUTES

BOARD OF DIRECTORS

o 5-15 members with 2 of them: independent

director (other than bank official/employee)

o Monetary board may disqualify, suspend or

remove any director (fit and proper rule)

LOANS MADE BY BANK

- shall not apply to a cooperative bank to its

cooperative shareholders

1) Risk-based capital

- Minimum ratio: net worth of a bank must bear to

its total risk assets

- 10% but 8% recommended internationally

2) Single Borrower’s Limit (SBL)

- Maximum limit to a single borrower

o Per law: ≤ 20% of net worth

o Per circular: ≤ 25% of net worth

- Additional limit (if adequately secured)

o 10% of bank’s net worth

RESTRICTIONS ON BANK EXPOSURE TO DOSRI

G.R: No bank D/O shall borrow from such bank nor shall

become a guarantor/indorser/surety for loans

Exception: Written approval of majority of BOD

excluding D concerned

LOAN LIMIT TO DOSRI: limited to unencumbered

deposits and BV of Paid-In bank contribution

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GENERAL BANKING LAW (RA 8791) ORGANIZATION OF A BANK ✓ Is a stock corporation ✓ Funds are obtained from public (at least 20 persons) ✓ Minimum capital req’ts are met STOCKHOLDINGS IN A BANK ✓ - Individuals and corporations may own or control up to 40% of bank’s stockholdings TYPES OF BANKS 1) Commercial bank – general 2) Universal bank – general + powers of investment house; expanded commercial bank 3) Thrift bank – savings/mortgage/stock savings; under Thrift Bank Act 4) Rural bank – normal credit needs of farmers, cooperatives; under Rural Bank Act 5) Cooperative Bank – ...
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GU Affordable Care Act by the President Barack Obama Discussion Paper

Part 14-5 pages. APA. References.The Affordable Care Act: Variability by StateThe costs of implementing provisions called ...

GU Affordable Care Act by the President Barack Obama Discussion Paper

Part 14-5 pages. APA. References.The Affordable Care Act: Variability by StateThe costs of implementing provisions called for under the PPACA, and the benefits from the legislation, vary from one state to another. The degree to which your health care organization must adhere to guidelines of the ACA may affect the extent of the type of health care services offered, the types of patients served by your facility, and how health care costs are maintained. As a current or future health care executive, you must consider how to balance operations of your health care organization within the context of the ACA and in providing high-quality, low-cost health care.For this Discussion, review the resources for this week. Search for the cost of implementing the ACA for a health care organization in your state. Reflect on the benefits of implementing the ACA for a health care organization in your state (Indiana). How might your health care organization, or one with which you are familiar, be affected by ACA mandates?Post a description of the costs of implementing ACA provisions in your state (Indiana). Then, explain the benefits of the ACA in your state. Explain how the costs and benefits of the ACA may impact you as a current or future health care executive and your health care organization or one with which you are familiar. Be specific and provide examples.Part 2:Population Health and the Affordable Care ActEarlier in this course you examined how health care organizations are beginning to look at value-based care, which often encompasses care across the continuum of health care services. You also considered how this was associated with new payment methodologies. Care across the continuum links to population health, which describes the outcomes of the health of the population, and to new payment methods through the ACA.As a health care executive for a hospital, you have been responsible for caring for the patient in your hospital bed. In the last couple of years, your role has likely expanded to include determining how to keep patients from being re-hospitalized. With the implementation of the ACA, your role is expanding further to encompass population health.For this Discussion, review the resources for this week and reflect on your role as a health care executive in implementing ACA provisions related to population health strategies. Reflect on the considerations you should keep in mind to fully comply with and enact population health strategies in light of ACA legislation.Post an explanation of how you as a hospital chief executive officer (CEO) might create a population health strategy based on ACA foci. Be specific and provide examples.Resources Providedhttps://obamacarefacts.com/obamacare-facts/https://www.americanprogress.org/issues/healthcare/news/2015/09/16/121094/2014-census-data-confirm-dramatic-impact-of-the-affordable-care-act/https://www.washingtonpost.com/news/wonk/wp/2013/10/13/the-cost-of-obamacare-varies-wildly-by-state/https://www.rwjf.org/en/library/collections/reform-by-the-numbers.htmlhttps://www-sciencedirect-com.ezp.waldenulibrary.org/science/article/pii/S0140673614602592?via%3Dihubhttps://www-sciencedirect-com.ezp.waldenulibrary.org/science/article/pii/S0140673614602592?via%3Dihubhttps://www.hhs.gov/healthcare/about-the-aca/index.html

12 pages

❖ Incarcerated Inmates refers to individuals serving a jail term as a result of criminal ❖ Mental illnesses refers to ...

❖ Incarcerated Inmates refers to individuals serving a jail term as a result of criminal ❖ Mental illnesses refers to health conditions that ...

ECOCB 535 UoP The Digital Economy Exchange Across International Borders Essay

Reflection This reflection activity is comprised of two sections collectively totaling a minimum of 500 words. Complete yo ...

ECOCB 535 UoP The Digital Economy Exchange Across International Borders Essay

Reflection This reflection activity is comprised of two sections collectively totaling a minimum of 500 words. Complete your reflections by responding to all prompts. Exchange Across International Borders The success of an economy in effectively employing the four factors of production determines how well that economy performs relative to its potential and relative to other economies. Address the following: Evaluate non-monetary benefits that open trade has contributed to the world since the end of World War II. Provide at least 2 examples of the above benefits, and explain why you believe each is important. Analyze how changes to U.S. trade and tariff policies affected U.S. trade with other nations. Support your responses with recent (less than 2 years old) credible news sources. The Global Role of the US Economy Consider that some politicians, labor unions, and special interest groups argue that U.S. trade deficits are harmful to the economy, and nations that run large trade surpluses with the United States are benefiting from unfair trade practices and agreements. These parties support increasing tariffs on imports and eliminating or rewriting trade agreements. Analyze 2 credible economists’ opinions on the effects of 2 of the following factors with respect to the total U.S. trade balance. Find 1 economist who is less concerned about trade deficits, who thinks they are less important, or that they mean something else is good (U.S. consumers have more disposable income for example). Then, find another economist who is more concerned (he or she may see a trade deficit as having adverse employment effects, for example). Weigh in their different perspectives, and state whether you agree or disagree with their assertions, providing the logic behind your thinking. The factors to analyze include: Tariffs Changing trade agreements Manipulating exchange rates

GEN 499 Ashford Week 2 Globalization Ethics and Moral Reasoning Discussion

discussion 1Prepare: Prior to beginning work on this discussion forum, review the following Week 1 and Week 2 required res ...

GEN 499 Ashford Week 2 Globalization Ethics and Moral Reasoning Discussion

discussion 1Prepare: Prior to beginning work on this discussion forum, review the following Week 1 and Week 2 required resources that focus on globalization, ethics, and moral reasoning. This will assist you in examining your own development of ethical and moral responsibilities as they relate to your Final Paper and its topic.Read these articles from Week 1:From Globalism to Globalization: The Politics of ResistanceGlobalization, Globalism, and Cosmopolitanism as an Educational IdealTransnationalism and Anti-globalismRead these articles from Week 2:Introduction to Global IssuesA Global Ethics for a Globalized WorldVirtue Ethics and Modern SocietyClassical Stoicism and the Birth of a Global Ethics: Cosmopolitan Duties in a World of Local LoyaltiesReflect: The change of our world from a local economy to a national economy to a global, international economy means that increasingly diverse populations will have to work together to achieve common goals. However, as the economy becomes increasingly global, local economies and people may suffer economic disadvantage or may find themselves marginalized from the rest of the world. Globalization creates ethical dilemmas for which we will need to find solutions.Write: For this discussion, address the following prompts:Explain the implications of globalization.Identify at least two ethical issues that go along with the global societal topic you have chosen for your final essay.Explain how globalization contributes to or affects these ethical dilemmas.Propose solutions to these ethical dilemmas that are feasible financially, socially, and culturally.Your initial post should be at least 250 words in length, which should include a thorough response to each prompt. You are required to provide in-text citations of applicable required reading materials and/or any other outside sources you use to support your claims. Provide full reference entries of all sources cited at the end of your response. Please use correct APA format when writing in-text citations (see In-Text Citation Helper (Links to an external site.)) and references (see Formatting Your References List (Links to an external site.)).discussion 2Prepare: Prior to beginning work on this discussion forum, review the Week 2 required resources that focus on ethics and morals. This will assist you in examining your own development of ethical and moral responsibilities.Read the articles:A Global Ethics for a Globalized WorldVirtue Ethics and Modern SocietyClassical Stoicism and the Birth of a Global Ethics: Cosmopolitan Duties in a World of Local LoyaltiesResponsibilities of an Educated Person (Links to an external site.) [Blog post] by jwood00Moral Education for a Society in Moral Transition (Links to an external site.)Decision Procedures for Ethics: DEAL Carrying on Without Resolution (Links to an external site.) Reflect: Take a deeper look at your own life and determine which experiences have inspired ethical and moral reasoning. Were there any huge influences in this process? Write: For this discussion you will address the following prompts:Explain what it means to be ethical as it relates to personal, academic, and professional growth.Provide at least one ethical dilemma you have encountered, and describe how the issue was resolved.Describe how your general education courses have influenced your ethical values.Your initial post should be at least 250 words in length, which should include a thorough response to each prompt. You are required to provide in-text citations of applicable required reading materials and/or any other outside sources you use to support your claims. Provide full reference entries of all sources cited at the end of your response. Please use correct APA format when writing in-text citations (see In-Text Citation Helper (Links to an external site.)) and references (see Formatting Your References List (Links to an external site.)).

Fraction Lesson Plan

Select a grade level 3-5 and a corresponding standard from the “Common Core State Standards for Mathematical Content on ...

Fraction Lesson Plan

Select a grade level 3-5 and a corresponding standard from the “Common Core State Standards for Mathematical Content on Numbers and Operations: Fractions” to develop a complete lesson plan.Using the “COE Lesson Plan Template,” align one or more NCTM Process standards with your learning target. Use the “Class Profile” to design an activity supported by the recommendations in the IES report to teach that target.Develop differentiated activities for the students in the “Class Profile” identified as below grade level, at grade-level, and above grade-level thatChoose one of the following:Use models in fraction tasks, including area, length, and set/quantity models.Emphasize academic language, including partitioning, sharing tasks, and iteratingExplore equivalent fractions.Find technology that would engage and support students who are below grade level, at grade level, and above grade level. Elaborate on this technology in the Instructional Materials, Equipment, and Technology portion of the “COE Lesson Plan Template.”In the “Teacher Notes” section, use the online resource, "Promoting Mathematical Thinking and Discussion with Effective Questioning Strategies," and the IES report to help identify and describe five potential issues or roadblocks that might happen while delivering the lesson and provide possible solutions to the potential issues.In addition to your lesson, draft 10 questions that you would ask during your lesson that incorporate the following:Promote conceptual understandings related to fractions for students whose performance are below grade level, at grade level, and above grade level.Identify potential student misconceptions that could interfere with learning.Create experiences to build accurate conceptual understanding.Activate prior knowledge.Connect concepts, procedures, and applications.Encourage exploration and problem solving.Submit the completed lesson plan and your questions as one deliverable.While APA style format is not required for the body of this assignment, solid academic writing is expected, and in-text citations and references should be presented using APA documentation guidelines, which can be found in the APA Style Guide, located in the Student Success Center.This assignment uses a rubric. Review the rubric prior to beginning the assignment to become familiar with the expectations for successful completion.You are required to submit this assignment to Turnitin.

6 pages

Cpsc 2150 exam 3

When zipping up our directory on unix, which flag will we use to include all thesubdirectories and their files as well? co ...

Cpsc 2150 exam 3

When zipping up our directory on unix, which flag will we use to include all thesubdirectories and their files as well? correct answers -r

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GU Affordable Care Act by the President Barack Obama Discussion Paper

Part 14-5 pages. APA. References.The Affordable Care Act: Variability by StateThe costs of implementing provisions called ...

GU Affordable Care Act by the President Barack Obama Discussion Paper

Part 14-5 pages. APA. References.The Affordable Care Act: Variability by StateThe costs of implementing provisions called for under the PPACA, and the benefits from the legislation, vary from one state to another. The degree to which your health care organization must adhere to guidelines of the ACA may affect the extent of the type of health care services offered, the types of patients served by your facility, and how health care costs are maintained. As a current or future health care executive, you must consider how to balance operations of your health care organization within the context of the ACA and in providing high-quality, low-cost health care.For this Discussion, review the resources for this week. Search for the cost of implementing the ACA for a health care organization in your state. Reflect on the benefits of implementing the ACA for a health care organization in your state (Indiana). How might your health care organization, or one with which you are familiar, be affected by ACA mandates?Post a description of the costs of implementing ACA provisions in your state (Indiana). Then, explain the benefits of the ACA in your state. Explain how the costs and benefits of the ACA may impact you as a current or future health care executive and your health care organization or one with which you are familiar. Be specific and provide examples.Part 2:Population Health and the Affordable Care ActEarlier in this course you examined how health care organizations are beginning to look at value-based care, which often encompasses care across the continuum of health care services. You also considered how this was associated with new payment methodologies. Care across the continuum links to population health, which describes the outcomes of the health of the population, and to new payment methods through the ACA.As a health care executive for a hospital, you have been responsible for caring for the patient in your hospital bed. In the last couple of years, your role has likely expanded to include determining how to keep patients from being re-hospitalized. With the implementation of the ACA, your role is expanding further to encompass population health.For this Discussion, review the resources for this week and reflect on your role as a health care executive in implementing ACA provisions related to population health strategies. Reflect on the considerations you should keep in mind to fully comply with and enact population health strategies in light of ACA legislation.Post an explanation of how you as a hospital chief executive officer (CEO) might create a population health strategy based on ACA foci. Be specific and provide examples.Resources Providedhttps://obamacarefacts.com/obamacare-facts/https://www.americanprogress.org/issues/healthcare/news/2015/09/16/121094/2014-census-data-confirm-dramatic-impact-of-the-affordable-care-act/https://www.washingtonpost.com/news/wonk/wp/2013/10/13/the-cost-of-obamacare-varies-wildly-by-state/https://www.rwjf.org/en/library/collections/reform-by-the-numbers.htmlhttps://www-sciencedirect-com.ezp.waldenulibrary.org/science/article/pii/S0140673614602592?via%3Dihubhttps://www-sciencedirect-com.ezp.waldenulibrary.org/science/article/pii/S0140673614602592?via%3Dihubhttps://www.hhs.gov/healthcare/about-the-aca/index.html

12 pages

❖ Incarcerated Inmates refers to individuals serving a jail term as a result of criminal ❖ Mental illnesses refers to ...

❖ Incarcerated Inmates refers to individuals serving a jail term as a result of criminal ❖ Mental illnesses refers to health conditions that ...

ECOCB 535 UoP The Digital Economy Exchange Across International Borders Essay

Reflection This reflection activity is comprised of two sections collectively totaling a minimum of 500 words. Complete yo ...

ECOCB 535 UoP The Digital Economy Exchange Across International Borders Essay

Reflection This reflection activity is comprised of two sections collectively totaling a minimum of 500 words. Complete your reflections by responding to all prompts. Exchange Across International Borders The success of an economy in effectively employing the four factors of production determines how well that economy performs relative to its potential and relative to other economies. Address the following: Evaluate non-monetary benefits that open trade has contributed to the world since the end of World War II. Provide at least 2 examples of the above benefits, and explain why you believe each is important. Analyze how changes to U.S. trade and tariff policies affected U.S. trade with other nations. Support your responses with recent (less than 2 years old) credible news sources. The Global Role of the US Economy Consider that some politicians, labor unions, and special interest groups argue that U.S. trade deficits are harmful to the economy, and nations that run large trade surpluses with the United States are benefiting from unfair trade practices and agreements. These parties support increasing tariffs on imports and eliminating or rewriting trade agreements. Analyze 2 credible economists’ opinions on the effects of 2 of the following factors with respect to the total U.S. trade balance. Find 1 economist who is less concerned about trade deficits, who thinks they are less important, or that they mean something else is good (U.S. consumers have more disposable income for example). Then, find another economist who is more concerned (he or she may see a trade deficit as having adverse employment effects, for example). Weigh in their different perspectives, and state whether you agree or disagree with their assertions, providing the logic behind your thinking. The factors to analyze include: Tariffs Changing trade agreements Manipulating exchange rates

GEN 499 Ashford Week 2 Globalization Ethics and Moral Reasoning Discussion

discussion 1Prepare: Prior to beginning work on this discussion forum, review the following Week 1 and Week 2 required res ...

GEN 499 Ashford Week 2 Globalization Ethics and Moral Reasoning Discussion

discussion 1Prepare: Prior to beginning work on this discussion forum, review the following Week 1 and Week 2 required resources that focus on globalization, ethics, and moral reasoning. This will assist you in examining your own development of ethical and moral responsibilities as they relate to your Final Paper and its topic.Read these articles from Week 1:From Globalism to Globalization: The Politics of ResistanceGlobalization, Globalism, and Cosmopolitanism as an Educational IdealTransnationalism and Anti-globalismRead these articles from Week 2:Introduction to Global IssuesA Global Ethics for a Globalized WorldVirtue Ethics and Modern SocietyClassical Stoicism and the Birth of a Global Ethics: Cosmopolitan Duties in a World of Local LoyaltiesReflect: The change of our world from a local economy to a national economy to a global, international economy means that increasingly diverse populations will have to work together to achieve common goals. However, as the economy becomes increasingly global, local economies and people may suffer economic disadvantage or may find themselves marginalized from the rest of the world. Globalization creates ethical dilemmas for which we will need to find solutions.Write: For this discussion, address the following prompts:Explain the implications of globalization.Identify at least two ethical issues that go along with the global societal topic you have chosen for your final essay.Explain how globalization contributes to or affects these ethical dilemmas.Propose solutions to these ethical dilemmas that are feasible financially, socially, and culturally.Your initial post should be at least 250 words in length, which should include a thorough response to each prompt. You are required to provide in-text citations of applicable required reading materials and/or any other outside sources you use to support your claims. Provide full reference entries of all sources cited at the end of your response. Please use correct APA format when writing in-text citations (see In-Text Citation Helper (Links to an external site.)) and references (see Formatting Your References List (Links to an external site.)).discussion 2Prepare: Prior to beginning work on this discussion forum, review the Week 2 required resources that focus on ethics and morals. This will assist you in examining your own development of ethical and moral responsibilities.Read the articles:A Global Ethics for a Globalized WorldVirtue Ethics and Modern SocietyClassical Stoicism and the Birth of a Global Ethics: Cosmopolitan Duties in a World of Local LoyaltiesResponsibilities of an Educated Person (Links to an external site.) [Blog post] by jwood00Moral Education for a Society in Moral Transition (Links to an external site.)Decision Procedures for Ethics: DEAL Carrying on Without Resolution (Links to an external site.) Reflect: Take a deeper look at your own life and determine which experiences have inspired ethical and moral reasoning. Were there any huge influences in this process? Write: For this discussion you will address the following prompts:Explain what it means to be ethical as it relates to personal, academic, and professional growth.Provide at least one ethical dilemma you have encountered, and describe how the issue was resolved.Describe how your general education courses have influenced your ethical values.Your initial post should be at least 250 words in length, which should include a thorough response to each prompt. You are required to provide in-text citations of applicable required reading materials and/or any other outside sources you use to support your claims. Provide full reference entries of all sources cited at the end of your response. Please use correct APA format when writing in-text citations (see In-Text Citation Helper (Links to an external site.)) and references (see Formatting Your References List (Links to an external site.)).

Fraction Lesson Plan

Select a grade level 3-5 and a corresponding standard from the “Common Core State Standards for Mathematical Content on ...

Fraction Lesson Plan

Select a grade level 3-5 and a corresponding standard from the “Common Core State Standards for Mathematical Content on Numbers and Operations: Fractions” to develop a complete lesson plan.Using the “COE Lesson Plan Template,” align one or more NCTM Process standards with your learning target. Use the “Class Profile” to design an activity supported by the recommendations in the IES report to teach that target.Develop differentiated activities for the students in the “Class Profile” identified as below grade level, at grade-level, and above grade-level thatChoose one of the following:Use models in fraction tasks, including area, length, and set/quantity models.Emphasize academic language, including partitioning, sharing tasks, and iteratingExplore equivalent fractions.Find technology that would engage and support students who are below grade level, at grade level, and above grade level. Elaborate on this technology in the Instructional Materials, Equipment, and Technology portion of the “COE Lesson Plan Template.”In the “Teacher Notes” section, use the online resource, "Promoting Mathematical Thinking and Discussion with Effective Questioning Strategies," and the IES report to help identify and describe five potential issues or roadblocks that might happen while delivering the lesson and provide possible solutions to the potential issues.In addition to your lesson, draft 10 questions that you would ask during your lesson that incorporate the following:Promote conceptual understandings related to fractions for students whose performance are below grade level, at grade level, and above grade level.Identify potential student misconceptions that could interfere with learning.Create experiences to build accurate conceptual understanding.Activate prior knowledge.Connect concepts, procedures, and applications.Encourage exploration and problem solving.Submit the completed lesson plan and your questions as one deliverable.While APA style format is not required for the body of this assignment, solid academic writing is expected, and in-text citations and references should be presented using APA documentation guidelines, which can be found in the APA Style Guide, located in the Student Success Center.This assignment uses a rubric. Review the rubric prior to beginning the assignment to become familiar with the expectations for successful completion.You are required to submit this assignment to Turnitin.

6 pages

Cpsc 2150 exam 3

When zipping up our directory on unix, which flag will we use to include all thesubdirectories and their files as well? co ...

Cpsc 2150 exam 3

When zipping up our directory on unix, which flag will we use to include all thesubdirectories and their files as well? correct answers -r