Depositors Case Studies Samples For Students

Question 1 (Appendix A):

Government interventions in the financial markets have been and will always be an issue of ethical dilemma (Stiglitz, et.al, 1993). Therefore, it may be worthy to understand beforehand, what an ethical dilemma is. In YourDictionary, ethical dilemma is defined as “situation in which there is a choice to be made between two options, neither of which resolves the situation in an ethically acceptable fashion. In such cases, societal and personal ethical guidelines can provide no satisfactory outcome for the chooser. Ethical dilemmas assume that the chooser will abide by societal norms, such as codes of law or religious teachings, in ...

BUSINESS CASE (OSCHADBANK)

Background on the organization
The state savings bank of Ukraine (Oschadbank) boasts as being one of the largest financial institutions in Ukraine, thus having about 6000 branch offices since its establishment in 1991. The company has been able to employ about quarter of all banking personnel in the whole country, which intern has propelled them into becoming one of the key players in the banking services market for both small, medium and even individual businesses. Oschadbank is uniquely the only Ukrainian bank that fully covers monetary funds and other valuables as the state guarantee through the law.

In ...

Community bank is an independent, small and locally-owned commercial bank, which operates and obtains its funds solely from the community, where it is based.
Community banks focus on providing traditional banking, derive deposits locally and mostly make loans to local businesses. It is widely known that today community banks provide most of the loans to our nation's small businesses and are an important financial resource to small cities. Because of that and because of the fact that they have knowledge of their local community and their customers, they are called “relationship” banks. They base their credit and loan decisions ...

Question 1 - What is a sub-prime mortgage?

The consumer financial protection bureau defines sub prime mortgage as
“A subprime mortgage is generally a loan that is meant to be offered to prospective borrowers with impaired credit records.”
A subprime mortgage is a kind of mortgage granted to borrowers with impaired or zero credit history. A prime or conventional mortgage is not offered to such borrowers as they have greater risk of defaulting. These loans are also called interest only loans and do not require any principle payments for initial few years, number of which is settled among the borrower and lender The interest charged on such ...