Sustainability in asset management including financial portfolio management Kindly dont miss the last paragraph which is important to note.This is a small project for a bank in Germany. It focuses on the two business areas of asset investment and commercial real estate interim financing. In asset investment, the bank focuses on long-term business relationships with high net worth individuals, institutional clients, foundations and other entities that need or want to delegate decision-making. No proprietary investment products are developed or offered. In addition, the Bank engages in proprietary securities trading for liquidity management purposes and, to a minor extent, for strategic capital investment.The bank has four target groups in asset management:1. professional investors and asset managers who do not require advice but appreciate the service and support of a private bank2. well-informed private investors who want to take advantage of short-term market opportunities and who are supported by the bank in doing so3. traditional private investors who pursue specific investment goals and receive individual support from the bank’semployees in this regard4. institutional clients, smaller pension funds, foundations, church districts and other institutions.For support in asset management, target customers should generally be able to provide the bank with free assets of between EUR 300 thousand and EUR 30,000 thousand.Background:The European Commission already published an action plan for a sustainable financial system in the first quarter of 2018, based on the goals from the Paris Climate Agreement and the United Nations’ Agenda 2030. The aim of the action plan is to align capital flows sustainably, to integrate the topic into the risk management steering cycle and to create more transparency for financial products.A central measure for achieving the goals is the consideration of sustainability in securities transactions and in securities (ancillary) services. This measure is intended to direct private money flows specifically into sustainable investments by taking into account the environmental (E – “Environment”), social (S – “Social”) and corporate governance (G – “Government”) factors.The proposals of the European Commission accompanying the measure, as well as the amendments of the European Securities and Markets Authority (ESMA), have implications for the conduct of business and organizational obligations under the Second European Financial Markets Directive (MiFID II). Of central importance in the legislative activities is the EU taxonomy. It defines what can be classified as sustainable economic activity in the future and is the core instrument of the EU action plan. In the coming months, further legal developments in the area of sustainability can be expected at national and European level.Student project assignment:In our opinion, sustainability is only promising within the framework of a strategic overall system, taking into account business and socio-ecological aspects. For this purpose, a systemic sustainability management is to be prepared and elaborated in the bank with regard to the overall bank management, governance, IT and business areas. The project assignment refers to the preparation and elaboration of the relevant and possible aspects for the integration of sustainability for asset management including financial portfolio management. This is to be done taking into account value chains and costs. It should be noted that sustainability issues are not to be considered one-dimensionally, but are to be provided with multi-dimensional levels. These possibly multiple conflicts of objectives must be processed transparently in order to submit recommendations for action to the bank’s management on this basis. In this context, it should be noted that our target group of institutional customers in particular is interested in suitable products for ethically sustainable investment.The following issues are of particular interest to us:I. Regulation1) What requirements, instruments, codes and voluntary commitments regarding sustainability exist for securities (ancillary) services for credit institutions?2) What are the minimum regulatory requirements that the bank must comply with in the future for securities (ancillary) services?3. what is the minimum amount of sustainability-related information that the bank must publish in the future?II. strategy1) What opportunities and risks do you see for us with regard to the following aspects?a) Customer needs (existing and new customers)b) Productsc) Pricing policy2. what strategic implications would you recommend to us with regard to the aspects mentioned in above?III Organization and pricing model(1) What organizational and/or technical requirements are necessary, e.g. for the sustainability assessment of investment products (sustainability ratings, ESG indicators), or do you consider them to be reasonable from acost perspective?2)What process-related effects do you see on the bank’s advisory and investment process?3) What could a future-oriented pricing model look like for our sustainability-conscious customers? (Keywords: flat-rate pricing, individual pricing, tiered pricing model).IV ESG Related CostsIs it worth investing in ESG? What is the profit of current investments on ESG companies,what are the costs of implementing it?IV. Personnel and corporate management1) What could a training concept for employees look like?2. which key performance indicators would you use for sales controlling?Important Note: We are a group of three who are responsible to submit this entire report to bank by next week. I am responsible to write a report / ppt on ESG related cost (Point IV) and future oriented pricing model (III. 3) part from the above. So I would like to assign this task for this two points only.
Please read the scenario below, and then answer the questions that follow in a 3-page analysis. The questions will guide your analysis of the situation, but they will need to be presented as part of your assessment of risk as a healthcare manager.Scenario:In 2001, the National Academy of Medicine (NAM), formerly the Institute of Medicine (IoM), reported serious quality gaps in the U.S. health system, identified the six dimensions of quality in healthcare, and identified the need to apply new technology safely to improve the quality of health services. Since this reportand in the face of high healthcare costs, an aging population, and the need to apply scientific and systematic approaches to improve the quality and safety of healthcarethe U.S. healthcare system is experiencing tremendous changes. Safety, quality of care, and healthcare consumer satisfaction are at the forefront of healthcare organizations goals.The triple objectives of healthcare improvement in the country are as follows:To improve experience of careTo reduce per capita costTo improve population health outcomesHealthcare organizations are implementing quality improvement programs to achieve these objectives. Funding and regulatory agencies are initiating standards and providing financial incentivesto facilitate the achievement of these objectives, too. For instance, the Agency for Healthcare Research and Quality (AHRQ) supports health services research to promote quality of care and evidence-based decision making. The National Quality Forum (NQF) improves the quality of care by setting national priorities and goals for performance improvement, supports education, and creates outreach programs.As part of a broader quality strategy to the delivery of health services, the Centers for Medicare and Medicaid Services (CMS) introduced the pay-for-performance program, or value-based healthcare. Many see this approach as transformational. The program reimburses health organizations based on the quality (value) of care, cost, and outcomes of service rather than the volume or the number of patients. The following are included in CMSs approach:Hospital Value-Based Purchasing (VBP) ProgramHospital Readmissions Reduction Program (HRRP)Hospital-Acquired Condition (HAC) Reduction ProgramFor each program, CMS compares performance data annually from individual hospitals with national data, and payment rates are adjusted as incentive for better performance.As a healthcare manager, you will lead your team to establish standards and use technologies to provide safe, effective, and high-quality patient care. However, it is necessary to identify the key stakeholders in the healthcare organizationpatients, care providers, and payersand to understand their interests and perception of quality. In addition to performance and professional standards, stakeholder expectations are important.Please address the following questions in your response:What is quality improvement synonymous with?What is one of the steps in process improvement?What does technology support to enhance quality improvement?What function do the CMS value-based programs and quality metrics perform?What factors are part of the CMS value-based programs?What do the CMS quality metrics include?What are the eight measurements for the patient- and caregiver-centered experience?How is the value-based approach affecting health organizations?What legislation supports the value-based program?Submitting your assignment in APA format means, at a minimum, you will need the following:Title page: Remember the running head. The title should be in all capitals.Length: 3 pages minimumBody: This begins on the page following the title page and abstract page and must be double-spaced (be careful not to triple- or quadruple-space between paragraphs). The typeface should be 12-pt. Times Roman or 12-pt. Courier in regular black type. Do not use color, bold type, or italics, except as required for APA-level headings and references. The deliverable length of the body of your paper for this assignment is 3 pages. In-body academic citations to support your decisions and analysis are required. A variety of academic sources is encouraged.Reference page: References that align with your in-body academic sources are listed on the final page of your paper. The references must be in APA format using appropriate spacing, hanging indent, italics, and uppercase and lowercase usage as appropriate for the type of resource used. Remember, the Reference page is not a bibliography but a further listing of the abbreviated in-body citations used in the paper. Every referenced item must have a corresponding in-body citation.
How has Bahrain benefitted from signing free trade agreements and how has it affected investment activity?The project will test ability to select a topic of interest, learn widely of related facts and previous research, and think deeply and critically about existing literature. The project contains two parts: background facts and literature review.The sources that have to be used are:Weiss, M. (2005). Proposed U.S.-Bahrain Free Trade Agreement. Retrieved 8 April 2021, fromhttps://www.everycrsreport.com/files/20050404_RS21846_1fcb28e5d4cd3ee48576d939350b379edd0f05de.pdfBH-US Free Trade Agreement. (2021). Retrieved 8 April 2021, from https://www.moic.gov.bh/en/Tiles/ForeignInvestment/free-trade-area-agreement#:~:text=By%20removing%20or%20reducing%20tariffs,and%20services%20more%20cost%20competitiveThe Bahrain-United States Free Trade Agreement. Retrieved 8 April 2021, from http://www.sice.oas.org/TPD/USA_BHR/Studies/Overview_e.pdfWaheed, A., & Abbas, S. (2015). Potential Export Markets for Bahrain: A Panel Data Analysis. Retrieved 8 April 2021, from https://www.researchgate.net/profile/Shujaat Abbas/publication/280568080_Potential_Export_Markets_for_Bahrain_A_Panel_Data_Analysis/links/55ba4cea08ae9289a092704d/Potential-Export-Markets-for-Bahrain-A-Panel-Data-Analysis.pdfBahrain Free Trade Agreement | United States Trade Representative. Retrieved 8 April 2021, from https://ustr.gov/trade-agreements/free-trade-agreements/bahrain-ftaSuri, D. (2017). Implications of U.S.-Bahrain Free Trade Agreement on Textile and Apparel Industry in Bahrain. Retrieved 8 April 2021, from https://www.ijac.org.uk/images/frontImages/gallery/Vol._6_No._6/4._36-45.pdfThe Bahrain-United States Free Trade Agreement. Retrieved 8 April 2021, from http://www.sice.oas.org/TPD/USA_BHR/Studies/Overview_e.pdfBackground facts: These are the facts that are relevant for your topic. Please do not simply restate another researchers observation or copy a graph or a table from an earlier paper. Instead, I expect you to obtain, play with, and present the data, even if in some case this is an exact replication of an earlier work. This is important because in existing papers, an author presents facts in a way that is most supportive of his or her own points. You will likely import another persons opinion if you take his graph as the fact. Also having the data at hand makes it easy for you to explore patterns or check a simple idea.Literature review: Read the sources very carefully. Gain knowledge on the topic and come up with a coherent map of the current state of knowledge on the topic. While literatures on some issues have a long history, your literature review should weigh toward the newer papers. It is essential that the final literature review is well synthesized, instead of being a list of summaries. The set of papers you select should be published or publishable in a peer-reviewed academic journal. You should conclude the literature review section with a summary of the literature review findings. Think about the limitation of the current research and how additional steps can be taken to improve it.
You are a new economist for a major financial institution, and youve been invited to speak as a guest lecturer for a Freshman Finance course at the local university.Respond to the following in a minimum of 175 words:Share how you would describe the overall purpose and mechanics of both primary and secondary markets.How would you explain the way the performance of your company is influenced by the activity of the markets you described?After your initial post, choose a classmates approach that is different from the approach youd take on the guest lecture. What additional information might you include in your lecture based on your classmates approach?
Coursework Brief:You must be aware that only you share responsibility for any academic integrity breaches or other issues that may arise from your coursework submission. Rubric I do expect tables / graphs / diagrams in this assignment (embedded in the main text).Each table, graph or diagram will count as 25 words. Any table/graph must be explained contextualizing the results to the context of the question. Remember that the graphs and tables you present are properly contextualized and form an important aspect of our explanations. Additional graphs and tables can be put in the appendix as well as the output from any statistical software you have used for the analysis.There are TWO compulsory questions for this Assignment.Question OneBackground information for Question OneIn Question One, we have provided cross-market time series data for Bitcoin (one of the popular cryptocurrencies floating in the market). The Bitcoin is traded in various currencies, such as in Euros, USD, Korea, etc. The data have been collected from Coincheck (one of the platforms that provides aggregate price data for Bitcoin). In the Blackboard site of the course (see Assignment folder), we have included Bitcoin price data for six exchange markets (Europe, USA, Australia, Korea, Japan, Indonesia).You can choose ANY file(s) depending on your interest. Eviews, Stata, R, Python or other any econometric software may be used for empirical estimation purpose.Tasks for Question One(1)By plotting the selected Bitcoin price series explain if you find any trend in the price behavior. Use Hodrick-Prescott (H-P) Filtering Technique and Hamilton Filtering Techniques respectively to extract the ‘cycles’ from the ‘trends’. Plot the Autocorrelation Function and comment on the persistence behavior of the series.(2)Test for (non-)stationarity in the selected series by using Augmented Dickey-Fuller, Phillips-Perron, and KPSS tests. Use options of intercept with and without trend term to compare your results. What implications do the presence or absence of a unit root imply for the selected Bitcoin price regarding weak, strong, semi-strong efficiency of the Bitcoin market?(3)Assume that the Bitcoin series you selected is neither I(1) nor I(0). Then what would an I(d)with 0
Determining Whether IFE Holds Use an online data source to record the interest rate differential between the interest rate of the foreign country( Japan) in which you plan to do business and the U.S. interest rate over the last five or so quarters. Then, review the exchange rate percentage change in the foreign currency of concern over each of those corresponding quarters to determine whether the international Fisher effect (IFE) appears to hold over those quarters for that currency. IT MUST INCLUDE A GRAPH
Interview questions1. Why did you consider the career path to become a financial controller? And how has been your experience so far?2. Having worked for over eight years in the same industry, how have your views and skilled changes over the years? Are your skills the same as when you first joined the financial sector?3. What are the main advantages and disadvantages of being a financial controller, especially during this era when unexpected recessions are emerging, such as the Covid-19 pandemic?4. Before the pandemic prevailed, did you, as financial control, anticipate the financial industry’s outcomes?5. Which actions or strategies are you willing to enact to ensure your current organization recovers from all the damages caused by the outbreak?6. What if the government rules out that every organization increases its working personnel’s minimum wage from a certain percentage to a special rate? How would you work as a financial controller to ensure your organization is able to run its operations accordingly and, at the same time, increase the wages?7. What potential challenges or effects has the outbreak enacted that, if not handles effectively, can lead to the failure of your organization?8. Since you have been in the industry for quite some time now, which aspects of the profession would you use to motivate newbies who would like to join the future domain?9. What are the fundamental challenges you have faced in your profession, and what reforms would you suggest to ensure the upcoming financial controller will not meet the case challenges?10. Where do you see the financial controller profession in 10 years?
Review the information of the company Plug Power through Yahoo! Finance and the SEC EDGAR database in the Filings & Forms (Links to an external site.) page. From each section of previous chapters you have read in this class, you will be provided with a foundation to use in completing an assessment of the financial performance of a corporation.In prior weeks, you learned about portions of the financial statements and how each is analyzed. This week, you will put it all together. Choose a publicly traded organization that is not used in the textbook and complete your own financial statement analysis.In your paper,Evaluate the past financial performance of the organization.Determine the organizations future financial performance.Assess the organizations financial statements to determine credit risk.Conduct a screen for the potential investment in the organizations equity.Choose an analyst adjustment to report the organizations financials.Explain how the chosen analyst adjustment may help in determining the value of the business.The Corporate Performance ReportMust be 10 to 12 double-spaced pages in length (not including title and reference pages) and formatted according to APA style as outlined in the Ashford Writing Centers APA Style (Links to an external site.) guide.
Which of the required financial statements explain the difference between two balance sheet dates? Describe how these financial statements explain the difference between two different balance sheets completed on different dates. Do you agree or disagree with the statement: “Because many estimates are used in the preparation of financial statements, the statements are not a meaningful and accurate measurement of the financial position of a company.” Why/why not? Is the use of estimates in accounting ethical? Why/why not?
The basic requirement is to undertake a general financial analysis, comparing financial position and performance over the two most recent financial years, of an ASX listed company. The annual report for the chosen company should be available on the company website. Note: You are to use the consolidated data in conducting your analysis. The analysis should consider each of the following financial ratios: – profitability and market performance – efficiency, – liquidity, – capital structure Note: You are only required to look at the most recent financial report. For those ratios which involve averages, you will calculate an average for the most recent year only, the prior year ratio calculation will NOT consider average calculations. This assignment will contain two elements: 1. Schedule(s) of relevant ratios and other useful calculations – The detailed calculation of relevant ratios and other useful calculations should be included, as one appendix, prepared using Excel. An example template is provided under the assessment 2 information, FINA6017 appendix layout – Blank.xls. – You will be advised by your facilitator as to which ratios to calculate. – You are advised to show the formulae used in determining particular ratios and other figures. 2. A written report The written report is the main element of this assessment. A sample template is provided under the assessment 2 information, FINA6017 Assignment Suggested Layout – Blank.doc. The written report should: – Explain what is revealed by the ratios and other calculations, in the context of the companys profitability, asset efficiency, liquidity, capital structure, and market performance. – In particular, any important changes over the two financial years should be identified, discussed and, where possible, explained. – Provide an overall assessment of whether the company, over the recent financial year, has been better than the previous financial year, in the perspective of existing equity investors (shareholders). In preparing this report, you should: – analyse the financial statements of the business; – identify key ratios and apply ratio analysis; – argue the case of why the organisation may or may not succeed in the future and what the business should be doing to help it succeed; – consider the impact of the political and competitive environment on the business; – discuss relevant ethical considerations when an organisation becomes insolvent; – include external factors that need to be taken into consideration and the likelihood of a merger or acquisition; – provide a recommendation, that is, would you invest in this company after your own analysis or under what circumstances would you buy/save the business? Points to consider I. You are encouraged to seek and use additional public information about the company from sources, other than the annual report (for example, the internet, journal articles, newspapers, and business magazines). II. However, it is NOT envisaged that you will be engaged in extensive research of this nature and it is expected that the annual report will be the primary resource relied upon, in completing the assignment. III. You are asked NOT to try and make direct personal contact with the company or its officers (for example by telephone, fax, letter or email), in an attempt to gather further information. IV. It is important to note that you must NOT reproduce company promotional material from the annual report or company website and represent it as critical analysis. V. You will be provided relevant share price data by your facilitator for the company so that investment ratios (such as a price earnings ratio) can be calculated. VI. You may find it useful to consult accounting references, in addition to the prescribed text, which deals with the analysis and interpretation of company financial reports. VII. It is essential that you use the appropriate APA 6th referencing style, for citing and referencing research. Please see more information on referencing here: http://library.laureate.net.au/research_skills/referencing As this is a Masters-level subject, students are expected to engage with high quality academic journal articles, using the Torrens University Library: http://library.laureate.net.au. Textbooks, Wikipedia and, in general, anything that can be obtained through an open Google search page, are considered supplementary materials, unbecoming of a postgraduate.
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