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Moody's Counterparty Risk Ratings CRR are opinions of the ability of entities to honor the uncollateralized portion of non-debt counterparty financial liabilities CRR liabilities and also reflect the expected financial losses in the event such liabilities are not honored. CRR liabilities typically relate to transactions with unrelated parties.
Examples of CRR liabilities include the uncollateralized portion of payables arising from derivatives transactions and the uncollateralized portion of liabilities under sale and repurchase agreements. CRRs are not applicable to funding commitments or other obligations associated with covered bonds, letters of credit, guarantees, servicer and trustee obligations, and other similar obligations that arise from a bank performing its essential operating functions.
The current policy direction in the UK clearly suggests that the Government of United Kingdom Aa2 stable is unlikely to provide extraordinary support to banks in times of need. Moreover, aside from its headquarters in the UK, the group does not operate a material retail business in the country, thereby making it even less likely that the government would extend support to the group. While Standard Chartered Bank does operate in other jurisdictions with more supportive regulatory approaches, we would expect any support provided to be ring-fenced to the group's local operations in those jurisdictions.
Although Standard Chartered Bank and its branches whose CRRs receive three notches of uplift from the adjusted BCA of baa1 are likely to have more than a nominal volume of CRR liabilities at failure, this has no impact on the ratings because the significant level of subordination below the CRR liabilities already provides the maximum amount of uplift allowed under Moody's rating methodology.
The CRR assigned reflects Moody's view that secured counterparties to banks typically benefit from greater protections under insolvency laws and bank resolution regimes than do senior unsecured creditors, and that this benefit is likely to extend to the unsecured portion of such secured transactions in most bank resolution regimes.
Moody's believes that in many cases regulators will use their discretion to allow a bank in resolution to continue to honor its CRR liabilities or to transfer those liabilities to another party who will honor them, in part because of the greater complexity of bailing in obligations that fluctuate with market prices, and also because the regulator will typically seek to preserve much of the bank's operations as a going concern in order to maximize the value of the bank in resolution, stabilize the bank quickly, and avoid contagion within the banking system.
CRR liabilities at the bank therefore benefit from the subordination provided by more junior liabilities. In the case of Standard Chartered Bank, the CRRs assigned are equal to Standard Chartered Bank's senior debt ratings as they already incorporate the maximum amount of uplift allowed under Moody's rating methodology.
Standard Chartered Bank's BCA could be raised if there is a significant and sustained improvement in the bank's risk-adjusted profitability. Standard Chartered Bank's BCA could be lowered if the bank's asset quality deteriorates on a sustained basis.
The bank's BCA could also be downgraded if losses persist. In addition, Standard Chartered Bank and SCPLC's deposit and senior debt ratings could be downgraded if the volume of their junior instruments outstanding decreases significantly, thereby reducing their loss buffers. The principal methodology used in these ratings was Banks published in June In such scenario managing the liquidity is one of the major challenges for the organizations.
Thus here in this scenario the significance of cash management will be depicted in an appropriate manner. The Cash management is a phenomenon where organizations decide about how the liquid capital could be used in the best way Brigham and Houston, Cash management is a broad term that covers a number of functions that help individuals and businesses process receipts and payments in an organized and efficient manner.
Further here in this scenario the impact of cash management on the profitability will also investigated with relevance to Standard Chartered bank. The competition is immense in banking industry so cash management has become effective tool to manage the liquidity and ensuring the appropriate usage of financial resources.
In return it could lead towards the increment in profitability of any bank. Thus these are certain major aspects that will gain huge consideration in current scenario. The purpose of the study is to evaluate the impact of cash management techniques on the profitability of Standard Chartered. This essay has been submitted to us by a student in order to help you with your studies. This is not an example of the work written by our professional essay writers. The significance of this study is very wide as it covers the very crucial aspects of banking industry.
It provides the overview about the way in which the international banks can improve their profitability ratio. Another importance of this study is to understand the concept of cash management and its relevancy with the profitability.
The profitability of banking industry affects the whole economy so the outcomes of this study could be beneficial for the perspective of understanding the economic aspects as well.
Through gaining the proper knowledge about cash management techniques, the hold on one aspects of financial management could be ensured. Banking industry is now active into the various kinds of activities and there is huge requirement of focusing upon the proper management techniques that can lead proper utilization of financial resources. Cash is the major resource for the banking industry as it involves the transactions on the regular basis. Thus cash management is the main solution for the purpose of dealing with controlling and handling of cash.
The major benefit of cash management is that it covers the broad area like cash inflow, investment aspects, managing the liquidity. Ahead it is also clear that the role of cash management is very huge in avoiding the financial irregularities and most importantly the reporting of cash into the financial statements could also done in an appropriate manner.
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Sep 08, · The average salary for Standard Chartered Bank employees is Rs K per year. Visit PayScale to research Standard Chartered Bank salaries, bonuses, reviews, benefits, and more!/5(51). Aug 17, · Standard Chartered Bank company research & investing information. Find executives and the latest company eroticlesbian.mlon: 1 Basinghall Avenue London, EC2V 5DD United Kingdom.