# Ppt on credit policy example

##### Economic Policy 12/15/11 1.GNP vs GDP 2.Monetary Policy and how the Fed Reserve Board carries it out 3.Fiscal Policy 4.Economic Theories for Fiscal Policy-

the _supply_________ of money and credit in the economy. Key player is the_Fed_________. It can decrease the cost to borrow money by __lowering___________ interest rates, ___lowering_______________ the reserve requirements and __buying____________ securities, but it risks ___inflation____________. 2.__Fiscal_________ Policy A macroeconomic policy tool used by the government to regulate the total level of economic activity within a nation. Examples include setting the level of/

##### 10-1 Chapter 10 Accounts Receivable. 10-2 Accounts Receivable and Inventory Management u Credit and Collection Policies u Analyzing the Credit Applicant.

pre-tax return 10-9 Credit and Collection Policies of the Firm (1) Average Collection Period (2) Bad-debt Losses Quality of Trade Account Length of Credit Period Possible Cash Discount Firm Collection Program 10-10 Credit Terms Credit Period “net 30” Credit Period -- The total length of time over which credit is extended to a customer to pay a bill. For example, “net 30” requires full payment/

##### Economic Policy 12/17/12 1.GNP vs GDP 2.Monetary Policy and how the Fed Reserve Board carries it out 3.Fiscal Policy 4.Economic Theories for Fiscal Policy-

the _supply_________ of money and credit in the economy. Key player is the_Fed_________. It can decrease the cost to borrow money by __lowering___________ interest rates, ___lowering_______________ the reserve requirements and __buying____________ securities, but it risks ___inflation____________. 2.__Fiscal_________ Policy A macroeconomic policy tool used by the government to regulate the total level of economic activity within a nation. Examples include setting the level of/

reserve banking –The money supply in this economy is equal to the total amount of bank deposits (\$4 million in the example) –The relationship between the monetary base and the money supply can be shown algebraically Let M  money supply, BASE /reserved 14-52 Monetary Control in the United States Box 14.1: The credit channel of monetary transmission –On the demand side, tight monetary policy makes borrowers less credit-worthy A firm with outstanding debt (with a floating interest rate, interest rate/

##### Public Finance and Public Policy Jonathan Gruber Third Edition Copyright © 2010 Worth Publishers 1 of 46 Taxation in the United States and around the World.

Appropriate Business Deductions? APPLICATION  The difficulties in defining an appropriate, or inappropriate, business deduction are well illustrated by some classic examples from U.S. tax law:  A high school geography teacher claimed a \$5,047, six-month, 18-country world/ of giving). Once a person gives more than \$1,000, there is no more benefit from the tax credit. Which policy, deduction or credit, is more efficient is dictated by two considerations: The nature of the demand for the subsidized good. How/

##### 7.01-7.04 Review Personal Finance Jim has term life insurance that is soon to expire; however, the policy allows him to continue the policy without getting.

credit report every twelve months. Which is an example of a sub-prime or non- preferred lender? A. Carla went to a pawnbroker to get money in exchange for her mothers pearl ring. A. Carla went to a pawnbroker to get money in exchange for her mothers pearl ring. B. Dean borrowed money from the value of his life insurance policy/Security number to the seller B. Use a credit card C. Use a debit card D. Use a secure website Which is an example of sensitive personal information thieves obtain from digging through/

##### Credit Management CHAPTER 6. Chapter Outline Credit and Receivables Components of Credit Policy Investment in Receivables Credit Policy Evaluation Optimal.

REPEAT BUSINESS: PV of every month’s sale? First month’s cost? NPV of extending credit? GRANT CREDIT? Customer’s 5 C’s Character Capacity Capital Collateral Conditions Policy Change Example EGE Chemicals: R=25 % Varible cost=70 % of sales All sales are on credit ADOPT A NEW POLICY??? Current PolicyPolicy IPolicy II Annual Sales5,000,0006,000,0006,750,000 Receivable Turnover432.4 Doubtful Rec/

##### Monetary Policy, Asset Prices and Financial Stability: A Small Economy Approach? Jan Frait Executive Director Financial Stability Department.

Wind BIS economists (mainly W. White) strongly argued against “can’t lean, but can clean” policy asymmetry advocated, for example, by Alan Greenspan. many in the central banking community subscribed to the view that monetary policy would not be effective in “leaning” against the upswing of a credit cycle but that lower interest rates would be effective in “cleaning” up afterwards; W. White finds/

McGraw-Hill Global Education LLC. All rights reserved. CHAPTER OUTLINE Credit and Receivables Terms of the Sale Analyzing Credit Policy Optimal Credit Policy Credit Analysis Collection Policy Inventory Management Inventory Management Techniques Appendix  Two Alternative Approaches /NPV of the switch? Should the company offer credit terms of net 30? 20-10 Copyright © 2016 by McGraw-Hill Global Education LLC. All rights reserved. EXAMPLE: EVALUATING A PROPOSED POLICY – PART II Incremental cash inflow  (\$100/

##### Key Concepts Understand the key issues related to credit management

company will sell 1,050 units per month. The required monthly return is 1.5%. What is the NPV of the switch? Should the company offer credit terms of net 30? Example: Evaluating a Proposed Policy – Part II Incremental cash inflow (100 – 40)(1,050 – 1,000) = 3,000 Present value of incremental cash inflow 3,000/.015 = 200,000 Cost of switching/

##### UCSB Credit Card Processing and PCI Compliance

Authorize.net or Cybersource PCI DSS: Payment Card Industry Data Security Standard Credit Card Approval Process Meeting with Campus Credit Card Coordinator Discuss needs, policies, fees, security, internal controls, vendors and reconciliation process Potential issues /. Credit Card Processing - Retail Card Present Examples Industry: Department store UCSB: Bookstore Merchant has a POS system, and some type of terminal device to swipe cards Credit Card Processing - Ecommerce Card Not Present Examples Industry/

##### Postsecondary Institutions: Building Bridges with Dual Credit Course Integrity to Ensure Course Transfer, Student Transition/Retention, and College-to-

reform to ensure the access of children to effective instructional strategies and challenging academic content http://www2.ed.gov/policy/elsec/leg/esea02/pg1.html#sec1001 Examples of NACEPs Greatest Victory: The Higher Education Opportunity Act of 2008--federal policy in support of dual credit partnerships between secondary and post-secondary institutions: Science, Technology, Engineering, Mathematics (STEM), and Critical Foreign Language Education Act [20/

##### Credit System: Concept, Policy, Practice and Procedure

at the exit institution Credit transfer is subjected to the existing policy on credit transfer Credit Transferred IHE X Table – Example of exit credit to be earned at institution Y for a programme at bachelor’s level (120 credit) to be completed at institution X Credit Transferred IHE X Exit Credit IHE Y Total Graduate Credit 90 40 130 80 120 70 50 Credit Transfer LAN: 1 credit = 40 learning hour for/

##### EC 938 2007 Handout No. 5 1 Macro Topics in Development and Transition 2006-2007 Handout No 5 Interest Rates and Financial Liberalization - in Macro Policy.

of Sector EC 938 2007 Handout No. 5 4 Example: Directed Credit Governments in low income and transition economies have shown a high propensity to take over the credit allocation decisions from banks. This almost often means: large/More Forex Denominated Debt –More Short Terms Debt 2. Macroeconomic Tendencies of Poorer Countries –Greater Tendency to use Inflationary Policies –Generally Weaker Policies and Fundamentals EC 938 2007 Handout No. 5 33 Underlying Logic (IMF Model) Diagnosis Excessive Borrowing (e.g/

##### Satisfactory Academic Progress: Does your Policy make the Grade? Presented by David Bartnicki Federal Training Officer

made at this time Next review is at 900 successfully completed hours 20 SAP – Cl. Hr. Pace Example SAP Policy – Other Key Items  Policy must include the following:  Describe how student’s GPA and pace of completion affected by incompletes, withdrawals, repetitions, or transfers of credits  Transfer credits accepted toward completion of student’s program must count as both hours attempted and hours completed 21/

##### One Plus One: Credit Equivalency Process Jamilah Jones Tucker Director, Career Technical Initiatives 12/17/2013.

, Career Technical Initiatives 12/17/2013 Today We Will: Discuss the history of Career Technical Assurance Guides (CTAGs) and policy. Review the process of CTAG creation and associated considerations. Review examples of the policy in action. (20 minutes) Discuss (5-10 minutes) History Ohio Credit Transfer Policy 1990 - S.B. 268 and Amended Sub. H.B. 111 Ohio Transfer Module (OTM) 2003 – H.B. 95/

##### Market Risk Management and its overlap with Credit (“Convergence Risk”) Dominic Wallace EMEA Head of Market Risk Management Advanced Risk Issues Istanbul,

(or to lend money to an SPV with no other assets). Regulation requires that Credit Policy be followed (assuming a bank-chain vehicle lends): but when should we use market risk techniques and when should we try to use traditional credit analysis? Rarely a hard and fast rule – try these examples (most of which are real)… 1.Lend \$100mm for one year to European/

##### 1.What type of information concerning policies and procedures do employees often extract from an internal business report? A. Customer profiles B. New.

the buyer. The customer may not want to exchange the item but obtain a credit or refund. 71. What is an internal factor that affects the selling policies of a business? A. Customer requests B. Actions of competitors C. Financial/ control. If a firm has limited financial resources, its selling policies may contain strict requirements for credit approval. Actions of competitors, government legislation, and customer requests are examples of external factors operating in the business environment over which the /

##### Presentation on Export Credit and Investment opportunities

Chetak Helicopters to the Ministry of Defence, Govt. of Suriname. PROJECTS/SECTORS FINANCED LOC-RECIPIENT COUNTRIES Lines of Credit: Examples of Projects covered PROJECTS/SECTORS FINANCED   LOC-RECIPIENT COUNTRIES Agricultural Projects : Burkina Faso, Cameroon, Chad, Cote/Export Advantage (in English, Hindi and 10 regional languages) Indo-China Newsletter (bilingual) Contribution to Public Policy formulation through inputs on WTO aspects, impact of exchange rates on exports, transaction costs, etc. Promoting/

##### Chapter Preview “Monetary policy” refers to the management of the money supply. The theories guiding the Federal Reserve are complex and often controversial.

Increase disclosure requirements and capital requirements, prompt corrective action, monitoring risk-management procedures, and close supervision. For example, countercyclical capital requirements would dampen credit-booms. As asset prices increase, increase required capital. Monetary policy Low interest rates may be the “risk-taking channel of monetary policy” Asset managers search for high yield Asset demand may increase Lenders consider riskier projects Perhaps just use macroprudential/

##### United States Geothermal Policy Providing Incentives For and Reducing the Risk of Development Dr. R. Gordon Bloomquist, Ph.D. Washington State University.

cost, environmental impacts and generation diversity). Some state utility commissions have also provided for the use of renewable energy credits (REC), often referred to as green tags or green certificates. REC could have a market value in the/as well as provide indirect support as, for example, through customer education. Taxation Tax policy has long been a favorite tool of law makers looking to increase capital investments in, for example, industrial production, exploration for and development of petroleum/

##### Chapter 18 Taxation in the United States and Around the World © 2007 Worth Publishers Public Finance and Public Policy, 2/e, Jonathan Gruber 1 of 42 18.5.

, private contributions. Chapter 18 Taxation in the United States and Around the World © 2007 Worth Publishers Public Finance and Public Policy, 2/e, Jonathan Gruber 25 of 42 Externality/Public Goods Rationales for Deviating from Haig-Simons 18. 5 Spending Crowd-Out/do pay a large portion of their income in the form of other taxes. An excellent example of this conundrum is the debate over the child credit, a tax credit for low- and middle-income families introduced in 1997, but on a nonrefundable basis for/

##### PART FOUR. Credit skills & Management Pty Limited All rights reserved. Use of this material is based on the agreement of the following: No part of this.

his own prejudices Could de motivate employee Competency Based Appraisal –Best used in jobs that have outcomes that are easily identified and measured Examples from the credit departments: captures new application details accurately Captures payments correctly and on time Follows credit policy authority levels Files documents accurately Comprehensive Performance review –Define expectations –Define additional areas to be evaluated Class Discussion DIVIDE INTO GROUPS –Discuss/

##### Government & Macroeconomic Policy Fiscal Policy Spending Taxation Deficits & Debt Monetary Policy Federal Reserve Structure Monetary Policy Tools.

decided and established in annual budgets. Programs such as the military, education and infrastructure are examples of this type of spending. Counter cyclical economic policy is based on discretionary spending. This type of spending can also address long- term structural / is September 2008, when Lehman Brothers collapsed and AIG was “rescued” by the government – beginning of the credit crisis.Source of Chart: Cleveland FedCleveland Fed Liquidity Support to Financial Markets In the first phase of the crisis/

asset  Requires administration to maintain security position (for example, filing UCC statements, monitoring escrow accounts, and/or execution of LC documents) 14 Options to Manage Short-Term Credit Risk  Credit Insurance – commercial insurance product that indemnifies a company against/ increased risk, and establishes an action plan to mitigate and avoid loss. 19 How Does A Policy Work? The ultimate goal of credit insurance program is not to simply pay legitimate claims as they arise, but rather to help a/

##### 1 Chapter 6 - Policy Issues II. 2 This Lecture Ü Limits to sovereignty Ü Globalisation and interdependence Ü Global Public Policy: Basel I and II Ü Monetary.

charge than those with a well-diversified portfolio. Limits to sovereignty 46 Basel II Another change concerns the measurement of credit risk. This will allow banks to choose between three methods of increasing technical sophistication: a standardised approach which is /targets and strategies... and the resulting conflicts of interest between the world’s major economies. 59 For example, a tightening of monetary policy in the euro zone in order to fight inflation triggering a rise in euro interest rates will /

##### Amity International Business School Credit Appraisal and Project Finance Module No 4 & 5 By Mr. Navneet Saxena All The Best From.

the right characteristics. Amity International Business School Equity Types of Industrial Finance –Short-Term Finance Bank Credit Trade Credit Instalment Credit Customer Advances –Medium-Term Finance –Long-Term Finance Amity International Business School Equity Types of / implementation process, but there are several limitations in accounting all factors and issues precisely monetarily. For example, policy issues, such as social improvements to alleviate poverty, can not be explained only in economic terms./

##### Economic Policy Making GOVT 2305. The term economic policy refers to the various policies that relate to the development and promotion of the economic.

revolutionary war. Maintaining a high credit rating remains a concern Second Report on Public Credit Second Report on Public Credit Here Hamilton argued for the / of American industry three ways:proposalsAmerican School of EconomicsAmerican System Notable examples of government intervention in the period prior to the Civil War include/ of 1828source 1 – protective tariffs 2 – infrastructure development 3 – banking policies that promoted production not speculation Two major changes have occurred in the years /

##### Pursuing Economic Development through Local Government Solar Programs and Policy.

SolarCentury Zoning Standards: Historic Resource North Carolina Clean Energy Technology Center Provides sample design principles and example regulations incorporating historic preservation into sustainability and energy projects. www.solaroutreach.org Private Rules on /  Residential Bulk Purchasing (Solarize) Program  Engaging Local Lenders  Performance Contracting Policy & Program Recommendations  Work with local banks and credit unions to offer solar loans  Expands access to solar to those who do /

##### Basic concepts of Eurosystem´s Operational Monetary Policy Framework and Experiences with the operational framework Hans Pijl Division Financial Markets.

cost efficiency Experiences with the operational framework Issues: I.Modification of Operational Framework in March 2004 II.Transparency of allotment policy III.Volatility Treasury Deposit IV.End of period fine-tuning operations V.EONIA Swaps VI.Optimal size and composition open /  EONIA swap market is a very large market  Sometimes spill-overs on operational target/Cash market EONIA swap hedge example (1)  Credit to customer for 12 months at 3.5%  Does not want to fund for 12 months, but want to hedge/

##### Public Finance and Public Policy Jonathan Gruber Third Edition Copyright © 2010 Worth Publishers 1 of 46 C H A P T E R 1 8 ■ T A X A T I O N I N T H E.

Appropriate Business Deductions? APPLICATION  The difficulties in defining an appropriate, or inappropriate, business deduction are well illustrated by some classic examples from U.S. tax law:  A high school geography teacher claimed a \$5,047, six-month, 18-country world/ of giving). Once a person gives more than \$1,000, there is no more benefit from the tax credit. Which policy, deduction or credit, is more efficient is dictated by two considerations: The nature of the demand for the subsidized good. How/

##### CREDIT UNION REGIONAL WORKSHOP STRENGTHENING CREDIT UNION SUPERVISION AND REGULATION IN THE CARIBBEAN St Lucia 17 – 20 August 2015.

credits to mitigate further migration to a more severe credit risk classification.  Evaluate whether credit related functions are appropriately segregated in the structure for administration and oversight of the credit operations. For example, the credit origination function must be appropriately segregated from the credit/ and tenure for loan disbursement of \$10mn and 15 years (as stated in the Credit Policy), and thus necessitated Board waivers. Examiners’ Assessments Answer Key 67  Secondly, as Managing/

##### Energy Leadership Training Palestine & Arizona Understanding Solar Energy Policy Part 1 Prof. Martin J. Pasqualetti Arizona State University.

are some examples of existing policies? 29 Conventional Policy Instruments for Promoting Solar Energy 30 FEDERAL POLICIES 31 32 Business Energy Investment Tax Credit (ITC) ITC Solar. The credit is equal to 30% of expenditures, with no maximum credit. Eligible solar/the system does not have to be the taxpayer’s principal residence. 37 Residential Renewable Energy Tax Credit (RRETC) 38 STATE POLICIES 39 40 Property Tax Assessment for Renewable Energy Equipment 41 42 Property Tax Incentives for Renewables.. www/

##### Chapter 13 The Tools and Goals of Central Bank Monetary Policy.

what its priorities should be among different possible goals. The goals may also conflict with one another. -For example, controlling inflation may require the central bank to slow down the domestic economy through restrictions on credit growth and higher market interest rates. -However, this policy threatens to generate more unemployment and subdue economic growth. 13- 45 McGraw-Hill/Irwin Money and Capital Markets/

of three types: ─Primary Credit: Policy whereby healthy banks are permitted to borrow as they wish from the primary credit facility. ─Secondary Credit: Given to troubled banks experiencing liquidity problems. ─Seasonal Credit: Designed for small, regional banks that have seasonal patterns of deposits. © 2012 Pearson Education. All rights reserved. 10-25 Discount Policy  Lender of Last Resort Function ─To prevent banking panics ─Example: Continental Illinois  Really needed/

##### Influence of Tax Policy on Green Power Utilization: An Empirical Investigation of Consumer Choice Wendy Wilhelm, Julie Lockhart, TJ Olney Western Washington.

[8 cents/kWh] Monthly Electric Bill (before tax/credit): \$60 [6 cents/kWh] Tax Policy: 20% income tax credit on renewable fuel content Tax Policy: 20% environmental tax on non-renewable content Total Monthly Cost: \$68.00 Total Monthly Cost: \$69.00 Choose by clicking one of the buttons above. Example of Choice Task: 13 Choices Methods: Quantitative Analysis n Choice Data: Multinomial LogitMultinomial Logit/

##### The Use of Credit Information as an Underwriting Tool in Personal Lines Insurance Analysis of Evidence and Benefits New York State Assembly Standing Committee.

Towers-Perrin *Actual data from sampled company. More examples are given later in this presentation. Actual Example: How Insurer Use of Credit Benefits Consumers & What Consumers Stand to Lose 14 Example: Insurance Savings from Use of Credit Information Insured lives in Westchester County, NY (NYC /high in New York State and has grown at a faster pace than the US overall. Virtually all of insurance policies sold on these homes were scored. Some of the greatest in- roads have been made among people of modest/

##### Monetary Policy in an Era of Globalization Thorvaldur Gylfason Pretoria, South Africa, June 2005 Two parts Monetary accounts and analysis Monetary policy.

demand  So, to forecast money, need first to forecast income, price level, and inflation Analysis Forecasting Money Demand: An Example M/P = Y a e b  log(M/P) = a log(Y) + b  a = income /Policy Money matters, so monetary policy is important Monetary policy is closely related to fiscal policy and to exchange rate policy Monetary institutions also matter Monetary Policy: Outline Presentation in four parts 1.Monetary institutions 2.The main instruments of monetary policy 3.The role of money and credit/

##### Coastal Supervisory Committee & internal auditor conference Carolinas Credit Union League Accelerating the Performance of Your Supervisory Committee July.

the committee know of any SIGNIFICANT findings noted during the examination THE BOARD AND MANAGEMENT l Complaints about policy or procedure corrections must be followed through to ensure that THE BOARD AND MANAGEMENT implement corrective action Member /lower of cost or market. Some investments and assets held for sale (loans) for example Fundamental Accounting Concepts Most of the numbers on a Credit Unions financial statements are fairly well defined (not many judgments or estimates) Cost or cost/

##### Dr Marek Porzycki. 1. Basic function and purposes 2. Approaches – restrictive vs. expansionary 3. Monetary policy tools 4. Transmission mechanism 5. Unconventional.

determined, respectively, by the central bank and the government  Monetary and fiscal policies affect each other, and the right policy mix is supposed to achieve desirable macroeconomic outcomes such as price stability, credit availability, economic growth and financial stability  An example of a policy mix would be tight monetary policy combined with easy fiscal policy.  Function of „bank of banks”  central banks deal directly only with commercial/

##### Credit Risk Management. Credit Risk RBI definition of credit risk Possibility of losses associated with decline in the credit quality of borrowers or.

Policy Framework Organizational Structure Independent group responsible for credit risk management. Formulation of credit policies. Procedures and controls of all credit risk functions corporate banking treasury function credit cards personal banking portfolio finance securities’ finance payment and settlement systems Credit management team responsibility for overall credit risk Policy/the estimated default values and actual default rate Merton Model (Example) Expected asset value (1 year hence) 200 billion /

##### ACCT Concurrent Presentation October 15, 2015 Aligning Policy Governance & Student Success while responding to a 100% performance-based higher education.

3.Pathways were created to help high school students complete a minimum of12 credit hours before transferring to a 4 year institution. Institutional Success Metrics/Data Policy and Process Changes 25% of funding for FY 2015 is based upon Student/ goals of strategic plan) Institutional Success Metrics/Data (reflecting goals of strategic plan) Goal 1: Foster student goal completion (examples)  Completion: number of graduates and certificates, average over past 3 years is 368  Twenty one of 33 programs /

##### CPS School Quality Rating Policy Updated September 25, 2013 1 Office of Accountability.

receives between 1 and 5 points for each indicator based on its score in the most recent year.  To receive full credit on assessment indicators, a school must have a 95% participation rate. If the school has a lower participation rate, points / posttest scores on the STAR assessment  This metric is calculated separately for reading and math. Performance Policy Scoring Notes Student are counted once per subject. For example, if a student has Fall-to-Spring growth, the student’s Fall-to-Winter and Winter-to/

##### The Federal Budget and Fiscal Policy Ch 5: pg 84-87 Ch 12: All Ch 18: Pg 342-350 Ch 31: pg 618 - 620.

or slow growth if inflation should occur. John Maynard Keynes supported active Fiscal Policy. The recent bailout/stimulus package by the government is an excellent example of Keynesian Economics. A change in consumption, investment, government purchases, or net/entire technology purchase in “one” year rather than spread the purchase out over several tax years. Investment Tax Credits were extensively used to end the March 2001 Recession. Business were able to deduct an entire technology purchase in /

##### FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Value+ Protector Index Universal Life Insurance Presented by… Policies issued by American.

they withdraw the additional funds in year 20 and pay only Benchmark Premium in future years: The policy earns a 6% hypothetical crediting rate: Excess Funding Feature 13 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION No Additional Funding/ for that payout to complete. 30 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Select Income Rider Payout Example Total Death Benefit \$1,046,696 Minimum Installment Amount: \$10,000 Minimum Initial Installment Payment: \$500 Death Benefit/

##### Unit Standard 119350 (15 Credits) (NQF 5): Apply accounting principles and procedures in the preparation of reports and decision-making Module 4: Risk.

as follows The ASB sets the accounting standards, National Treasury assists in the implementation of the standards by, for example, developing the appropriate formats, making recommendations and regulating the approach to implementation, providing guidance and rendering support for / Council after all reasonable steps have been taken to recover the debt, in accordance with the credit control and debt collection policy, and when management is satisfied that: The debtor cannot be traced; All legal and other /

##### Evaluating Commercial Loan Requests 1 14. Evaluating Commercial Loan Requests and Managing Credit Risk Important Questions Regarding Commercial Loan Requests.

participation with a correspondent bank in a loan that the bank would not normally approve Credit Analysis Policy Guidelines Unacceptable Loans Loans to a poor credit risk based on the strength of the cosigner Single payment automobile or boat loans / to reinvest the funds at a higher interest rate 317 Economic Value of Equity Sensitivity Analysis EVE Sensitivity Analysis: An Example First Savings Bank Effective “Duration” of Equity  Recall, duration measures the percentage change in market value for a /

##### INTERNATIONAL TAX SEMINAR for Congressional Staff International Tax Policy Forum Rayburn Building B338 U.S. House of Representatives February 1, 2002.

US tax) 42 Allocating and apportioning expenses reduces the maximum amount of foreign tax credit a US company may receive Example 2 Same as Example 1, except: Same as Example 1, except: — \$200 of US expenses are allocable against foreign income / Section 8022(3)(B) of the Internal Revenue Code of 1986, Volume II, 398- 420 (2001). Current International Tax Policy Issues 58 Extraterritorial Income (“ETI”) Regime 59 60 History of Export Incentives China Trade Corporations (1922) China Trade Corporations (1922/

##### Understanding new Washington laws requiring the acceptance of military training recommendations for college credit.

- 5 minute break- back in 20  How is your Policy?  Questions for the group?  Discussion  Include Military credit policy in multiple places and media (course catalogue, website, campus military and veteran pages, Facebook, LinkedIn Groups, et cetera)  Back to our NAVY JST  Bellevue’s Course  Tracking Spreadsheet  My rough example from our eval  Actual example from Brian Lee at Everest College  Identifies Training/Course Matches/