Understanding The Hidden Layers And Complexities That Lie...

II. CASE STUDY ANALYSIS: 1. 2. According to Cloke and Goldsmith (2011), â€Å"one way of understanding the hidden layers and complexities that lie beneath the surface of our conflicts is by using the metaphor of the iceberg† (p. 66). Just like an iceberg, there are layers in conflicts. What we see is only a portion of what is happening. Below the water line, is much more. In fact, the portion that we see on the surface is the current issue at hand. The issue is usually easy to observe. On the other hand, there is always things that is happening under the surface. They are usually less easy to point out. Beneath the surface, there are personalities. People behave, communicate, and get things done in different ways. After, there is emotions. To reach the best resolution we can, each party in a conflict should be true about their emotions by bringing empathy into the picture. Next, there is interests, needs, and desires. This is where each party should be curious. It is important to ask questions in order t o find out the needs and concerns behind people’s action. Also, self-perceptions and self-esteem. In the iceberg of conflict, there are hidden expectations. Here is when the conflicting parties should use their active listening skills to figure out the missing links. They should listen and try to understand the other party perspectives. Lastly, there is unresolved issues from the past. Keeping an open mind is critical in this stage. If you are still angry, it is wise to calmShow MoreRelatedANALIZ TEXT INTERPRETATION AND ANALYSIS28843 Words   |  116 Pagesprovide direction to the plot, and focus the attention of the reader. Most plots originate in some significant conflict. The conflict may be either external, when the protagonist (also referred to as the focal character) is pitted against some object outside himself, or internal, in which case the issue to be resolved is one within the protagonist’s psyche or personality. 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They are focused on understanding, supporting, and encouraging others. They make things happen for people, and get their best personal satisfaction from this. Because ENFJ s people skills are so extraordinary, they have the ability to make people do exactly what th ey want themRead MoreHbr When Your Core Business Is Dying74686 Words   |  299 Pagespart r sting Inve gy to ma ough †¢ y thr ener s nerg llion able ing e f mi elop ntries. Dev cou ds o d renew †¢ ndre an in 26 g hu rnative ply. y i tt i n nerg mm y to alte rsify sup y wn e †¢ Co uall e ur o fficienc n o div an gies t de o e e ma sing our ener , hav a 1992 by incre ce †¢ Sin further go 4%. by 2 n: Take eps g St o brin vron ear t Che nay billio CHEVRON is a registered trademark of Chevron Corporation The CHEVRON HALLMARK and HUMAN ENERGY are trademarks of Chevron Corporation  ©2006Read MoreStephen P. Robbins Timothy A. 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In the first section there are verbal echoes of al-Fà ¢rà ¢bà ®Ã¢â‚¬â„¢s Classification of the Sciences (Ihsà ¢ al-’Ulà »m) and the Neo-Platonic doctrinesRead MoreDeveloping Management Skills404131 Words   |  1617 PagesManaging Personal Stress 105 Solving Problems Analytically and Creatively 167 PART II 4 5 6 7 INTERPERSONAL SKILLS 232 233 Building Relationships by Communicating Supportively Gaining Power and Influence 279 Motivating Others 323 Managing Conflict 373 PART III GROUP SKILLS 438 8 Empowering and Delegating 439 9 Building Effective Teams and Teamwork 489 10 Leading Positive Change 533 PART IV SPECIFIC COMMUNICATION SKILLS 590 591 Supplement A Making Oral and Written PresentationsRead MoreContemporary Issues in Management Accounting211377 Words   |  846 PagesMichael Bromwich is an exemplar of all that is good about the British tradition of academic accounting. Serious in intent, he has striven both to illuminate practice and to provide ways of improving it. 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Critical Appreciation of Robert Browning Poems Essay

Critical Appreciation of Robert Browning Poems Robert Browning was one of the great poets of the Victorian age. He was on born 7th May 1812 in Camberwell and he died on the 2nd December 1889. Robert Browning got secretly married to Elizabeth Barrett in 1846 and went on to live in Italy. Browning became an admirer of Elizabeths Barrett’s poetry in 1844. He began corresponding with her by letter. This was the start of one of the worlds most famous romances. Their courtship lasted until 1846 when they were married. The couple moved to Italy that same year. Robert Browning did not become recognized as a poet, until after Elizabeths death in 1861. After which, he was honoured for the rest of†¦show more content†¦The Duke was a Renaissance nobleman. He was only concerned with material things, wealth and power (Has a portrait of his wife). The Duke is a very possessive man. The Duke only wanted to keep his wife to himself and use her like a fashion accessory. He did want his wife to see anyone but she had a mind of her own and liked other peoples company. Having her as a portrait means that he can let whoever he wants to look at her. This way he feels he has more command over her now The poem is about a Count that wants to get his daughter married off to the Duke. The count knows exactly what the Duke is like. The count sent a social inferior; in this case we learn at the end it is the representative of the count. The Duke is showing the representative of the count a portrait of his last wife that was painted by Fra Pandolf. He was really proud of this. The painting is covered by a curtain, which no one is allowed to open except the Duke: â€Å"But to myself they turned (since none puts by the curtain I have drawn for you, but I† The duke goes on to tell the representative a list of his complaints about his former duchess. He believed that his wife â€Å"had a heart– how shall I say? – Too soon made glad,† The Duchess blushed very easily and this gave the Duke displeasure. He felt that he could not make her blush but some how on the painting; Fra Pandolf was able toShow MoreRelated Elizabeth Barrett Browning: Life, Love, and Poetry2360 Words   |  10 PagesElizabeth Barrett Browning was a remarkable woman who was deeply interested in reading grand pieces of literature and began writing her own literature at a very young age. She was very privileged to be financially independent, but also very unfortunate to have suffered an accident which resulted in great physical disadvantages. The combination of both, however, gave her the needed time to write her poetry. She fell in love with Robert Browning, a great admirer of her work, and, during their courtshipRead MoreCritical Essay on How Do I Love Thee?3017 Words   |  13 PagesFinal Critical Essay What is love? Love knows no reasons. Love knows no lies. 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The Secret to Best Term Paper Writing Services

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Risk Management in Banking Essay Example For Students

Risk Management in Banking Essay During 2000 BC, the development of banking industry emerged. The exchange of grain or goods between farmers and merchant were termed trading. Bank is financial intermediaries which accepts deposits from general public and organizations and are engaged in lending activities. In other word, banking business is the business of receiving money from the market through deposits and paying or borrowing the fund to the capital market and general public as well. Banks undertake various financial activities such as investment banking, private banking, insurance, consumer finance, corporate banking, foreign exchange trading, community trading, future and options trading, money market trading etc. Commercial bank generally accepts deposit from the general public and lends money as loan to households, firms, and government as well through various account types as saving accounts, personal loans etc. Other types of bank are investment bank that collects capital by underwriting or by acting as an agent in the issuance of shares. They do not take deposits from customers. The Australian banking system is liquid competitive and well developed. Australian banking industry consists of a number of banks licensed to carry on banking business, under the Banking Act 1959. Under the same act, foreign banks are licensed to regulate their business through a branch in Australia and Australian – incorporated foreign bank subsidiaries. Risk Management: It is one of the most important parts of the management function of organisations. Risk environment should be analysed in order to apply appropriate controlling measures and monitor the effectiveness of the control measures applied. The bank’s management is actively responsible in the development and maintenance of any active risk which needs a careful analysis and its management. The Reserve Bank of Australia identifies assesses and manages the risk at both enterprise level and business level i.e top – down level and bottom – up level. 1. Exchange Rate Risk and Mitigation: Banks are involved in multi-currency exchange. A large amount of money is transacted across various countries over the exchange rate. It affects the business that does import or export, and it also can affect investors who make international investments. Understanding and managing exchange rate risk is important to all business organisations that are involved in it. Therefore, it is important for them to know the risk and impact associated with the transaction. The exchange rate risk can be mitigated by following strategies:- †¢ Identify the Foreign exchange risk that might impact the business and its sensitivity. †¢ Review the risk management process and evaluate its performance with your expectation. †¢ Diversify the risk by merging different strategies. 2. Portfolio Risk and mitigation: It is a situation where the combination of assets or units that are within individual group of investments that fails to meet financial objectives. Portfolio risk can be hedged by the use of financial derivate for example use of options and futures. 3. Interest Rate Risk and Mitigation: Interest Rate can be explained as the rate upon which banks grant loans to its borrowers and can also be defined as the rate upon which they pay their depositors the return based on the agreement. The interest rate risk is a situation or the probability that the market interest rates are earned on the investments for example bonds, resulting in their lower market value. The long-term bonds hold higher risk. We can manage the interest rate risk by:- †¢ Modifying the duration of the portfolio with bond futures †¢ Improving the Performance of a hedge with Regression 4. Credit Risk and Mitigation: The probability of loss when a borrower fails to repay a loan or fails to make payments on any debt. It is one of the most fundamental types of risk. It represents a situation where investor loses his/her investment. If the perceived credit risk is high, the rate of interest that investors will demand for lending their capital will be high. Credit risk is calculated on the basis of the borrower’s overall ability to repay. Few examples of credit risk can be a consumer’s failure to pay the mortgage loan, or his/her credit card balance; a company unable to repay its debt; when a bank fails to return the fund to its depositors can also be termed as credit risk. Quality of risk as the outstanding balance of loan as on the date of default whereas quality of risk is severity of loss. These two are the major components of credit risk. Banks should analyse its customers and the rate of interest should be fixed accordingly. In other word, high risk category borrowers should be priced high. Portfolio analysis helps the bank to manage their credit risk. Investment in various sectors helps them compensate and balance their losses. .u0f7783e8a434c28b335209b7f9efc1be , .u0f7783e8a434c28b335209b7f9efc1be .postImageUrl , .u0f7783e8a434c28b335209b7f9efc1be .centered-text-area { min-height: 80px; position: relative; } .u0f7783e8a434c28b335209b7f9efc1be , .u0f7783e8a434c28b335209b7f9efc1be:hover , .u0f7783e8a434c28b335209b7f9efc1be:visited , .u0f7783e8a434c28b335209b7f9efc1be:active { border:0!important; } .u0f7783e8a434c28b335209b7f9efc1be .clearfix:after { content: ""; display: table; clear: both; } .u0f7783e8a434c28b335209b7f9efc1be { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u0f7783e8a434c28b335209b7f9efc1be:active , .u0f7783e8a434c28b335209b7f9efc1be:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u0f7783e8a434c28b335209b7f9efc1be .centered-text-area { width: 100%; position: relative ; } .u0f7783e8a434c28b335209b7f9efc1be .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u0f7783e8a434c28b335209b7f9efc1be .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u0f7783e8a434c28b335209b7f9efc1be .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u0f7783e8a434c28b335209b7f9efc1be:hover .ctaButton { background-color: #34495E!important; } .u0f7783e8a434c28b335209b7f9efc1be .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u0f7783e8a434c28b335209b7f9efc1be .u0f7783e8a434c28b335209b7f9efc1be-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u0f7783e8a434c28b335209b7f9efc1be:after { content: ""; display: block; clear: both; } READ: The Value Of Risk Management Essay example5. Operation Risk and Mitigation: The risks from financial fraud, employee, or any other criminal activity and any event that interrupts business processes are termed operational risk. It is not inherent in financial, system or market – wide risk. It is the risk that results from the breakdown in the internal procedure, people and system. A proper management of Operation Risk results in smooth business continuation, proper disaster recovery planning and managed information security and compliance measures. Operational Risk can be managed by:- †¢ Improving the reliability and effectiveness of business operations and the operation of the risk management framework. †¢ Enhancing risk based decision making. †¢ Proper planning and delivery of capital investment. †¢ Educating staffs about the risk. Conclusion: Bank is a financial organisation that accepts deposits from various customers from the market, and is also responsible in lending money to the capital market. It operates in a dynamic market and thus, continuously faces various unpredictable challenges. There are various risks associated with the banking industry that includes exchange rate risk, portfolio risk, interest rate risk, credit risk and operation risk. Each of the risks have their own effect on the business procedure. Therefore, banks perform their risk management procedure to minimize or eliminate the risks. Various tools are used in this risk management process such as diversification, currency hedging, regression, portfolio investment etc. Reference: ï  ¶ International finance magazine (2013) Retrieve from http://www.internationalfinancemagazine.com/article/Australian-overnight-interest-rates-kept-unchanged.html ï  ¶ Banking and Finance Update (2013)- Retrieve from www.ashurst.com ï  ¶ Annual Report (2013)- Retrieve from http://www.rba.gov.au ï  ¶ Operation in Financial Market (2013)- Retrieve from http://www.rba.gov.au ï  ¶ International Finance Magazine. (2013). Risk Management In Banking Industries