Banking Control Law in Saudi Arabia, shortcomings and development

Please add the new work to the same file I have been attached,,
Here is the final draft of my thesis, but it needs extra amendments and revises in formatting and in contents as well.
Please read the whole draft very well then please update the draft in contents according to the following comments:
1) Bank of England (‘BoE’) independence: There are a number of references throughout the thesis regarding the BoE’s independence. Do you mean control over certain key central bank functions or just freedom from political interference? Can a central bank ever be wholly independent? Is independence relative and is it especially important regarding certain key functions? For instance, on page 50 you refer to independence as being a very important attribute and seemingly define it by reference to freedom from political interference, as you also do on pages 120 and 127. On page 25 you refer to the pre-independent BoE being subject to “political meddling” as “a daily affair.”On page 51 you refer to the BoE being “completely independent”. On page 62 you refer to the BoE enjoying “full independence” and on page 63 it is described as “a completely independent agency.” On page 64 you then describe this independence as being “essential to the maintenance of monetary stability.” On page 80 you describe the BoE as enjoying “almost complete independence.” Later central bank independence is linked to economic growth. All this needs to be addressed in an early section that sets the position out clearly – how is central bank independence crucial and in what way?
Clarify the exact meaning of independence of the central bank in introduction (abstract) and other chapters then linking with the whole story.( I mean take the full freedom for the central bank when practising their authorities in banking supervision such as licensing, inspection, issuing regulations related to their jurisdictions. But these independence doesn’t meaning the central bank can work alone and without the fully coordination with the government as a major part on economy of each country. Therefore, prevent the government to interfere on the central bank doesn’t agreed with the approach the central banks work without controlling and coordination with the government. You have to mention to the appendix such as BCL 1966, and SAMA’s charter on the introduction to make the reader smoothly follow the topics on the thesis.
2) You are not always consistent in your treatment of SAMA. On page 48 you refer to SAMA’s exemplary record as an autonomous institution and as being the best central bank in the Middle East, yet elsewhere you criticise its lack of autonomy. On page 70 you refer to how well it managed the 2008 financial crisis, yet still do not address in detail the rather poor track record the BoE and FSA had through ‘light-touch’ regulation in the run up to the crisis. The lack of autonomy that SAMA enjoyed at the time does not seem to have impacted on the control of the crisis, yet on the same page you assert that this somehow demonstrates the need for SAMA to be granted full independence
3) You mention the Wahhabis on page 34, without really explaining who they are. My understanding is that an important element of their teaching is that there should be complete submission by a population to the secular authority, in the case of the KSA, to the monarchy. Does their (preeminent) view mean that SAMA must be subject to ultimate control by ministerial appointees, who in turn owe allegiance to the Crown? You refer to Sharia law largely by reference to the prohibition on charging interest, e.g. on page 18. Is there Qu’ran-based legal authority that might be used to argue for greater powers for SAMA? You refer to Allah being the owner of all wealth and emphasise societal needs on page 33. This is very interesting. Might you not embed this point more centrally in your thesis as authority for your arguments? On page 54 you revert back to a discussion of Sharia Law, posing the question as to whether it is an obstacle to reform, again linking the difficulties as being those prohibiting SAMA from charging interest (riba). You also refer to the Banking control Law being not susceptible to amendment for fear of undermining Sharia law. But if Sharia law has overarching societal goals then is this an element that might favour your arguments for reform? These aspects need to be addressed comprehensively in one section and should be explored more fully, linking the points to your thesis.
4) Federal Reserve, the BoE (and growth): on page 73 you still seem to imply that the Federal Reserve is different from the BoE in that the former’s policy remit includes fostering growth and employment. However, on page 84 you refer to the BoE’s central role as “ensuring that the economic policies of the UK government are supported” and that “growth is fostered.” On the same page you again refer to its independence. To the extent that its policies are linked to overall government aims, does this suggest that its independence is not wholly complete? As regards growth and the role of central banks, you link the two explicitly on page 97 and on pages 16 and 25 refer to the BoE as having achieved this as a consequence of its independence. On page 19 you assert that if SAMA is independent it “will achieve tremendous growth” as has been the case in the UK and US. On page 110 you refer to the deregulation of the BoE as being the cause of London’s emergence “as the financial hub of Europe.” Whilst you cite Mwenda as authority for this claim, as I have indicated before, this seems most unlikely. London largely achieved this pre-eminence due to historical factors and the deregulation introduced by the Financial Services Act 1986.
5) Growth: on a number of occasions you refer to SAMA’s independence as being a necessary precursor to overall economic growth. You also refer to growth as being more attainable if the law relating to riba is relaxed (page 55). As indicated above, elsewhere you refer to growth being the result of central bank independence and that the UK’s growth is directly referable to the BoE’s independence. We have discussed this on a number of occasions before and I do not think the two necessarily relate. China has a central bank that is manifestly not independent, yet China has achieved spectacular growth. Conversely, the ECB is supposed to be independent, yet the eurozone has almost non-existent growth. We have also discussed the fact that the growth in the UK may indeed be buoyed up by the BoE and the UK government together enjoying the degree of independence that has arisen from not being in the euro and so macro-economic circumstances may be crucial (not just central bank independence). Your assertions need to be substantiated in more detail. On page 49 you refer to the bulk of economic activity being oil-driven and with oil at $40 a barrel, obviously this will have a major impact on growth. This does indeed support your thesis and the need for diversification in the economy and this needs to be brought out more fully.
6) BoE as your chosen model: We have discussed before the issue of why the BoE was chosen as your comparator (and also see paragraph 4 above). I have urged you to substantiate your choice fully. The thesis still contains rather broad assertions, such as that on page 59: “The Bank of England is the model in which major central banks have been based. It can therefore be taken as a model for other central banks including the SMA.” I still find your arguments in the early sections for choosing the BoE rather weak
7) Structure: The thesis has evolved over time and inevitably there are some structural issues with chronology and repetition e.g. regarding the crash of 2008 on page 111, references to political meddling on page 116 and late definitions of SAMA (e.g. on page 122). You need to revisit the chapters, pulling the material together into sections that contain the relevant themes separately, e.g. the role of a central bank, the nature and importance of central bank of independence, the crash of 2008 and how it was addressed in the UK and KSA etc. You also refer to interviews that are going to take place in the methodology section, but my understanding is that these have already taken place. However, you do not refer to them again in the thesis.
8) Corporate governance: this is referred to periodically (e.g. pages 14, 15) but is never satisfactorily incorporated into the thesis or fully related back to central bank roles.
9) Page (40-231) Cooperate Governance, explain how that link to the thesis? Why?
10) Page (48) SAMA references add to the lists on that page.
11) Page (111) discusses the historical points and connecting to the related topics.
12) Reformatting the draft file by considering the introduction and conclusion as chapters, so chapter 1 will be the introductions with subtitles and headings, the change the numbering of the chapters. At the end the conclusion will be chapter 6, so the total will be 6chpters on the whole draft.
12) Please highlighted any new words or changes on the revised draft to be easy to compare between the current and revised draft.

banking law

Examine and critically reflect upon the feedback given on your first assignment and draft a response to the feedback that demonstrates improvement on your work.

For example:

• If a comment made by the marker in coursework 1 is that greater linkage between a number of sources would improve the answer, you can make use of coursework 2 to demonstrate how the sources could be linked more closely.
• If a comment made by the marker in coursework 1 invites the student to conclude a particular argument, you can make use of coursework 2 to conclude that particular answer.
• If the marker of coursework 1 suggests that additional sources could be used to support a certain point, you can use coursework 2 to identify these sources and point to their relevance in answering the question.
• If minor points relating to grammar, syntax and referencing are made by the marker in coursework 1, you could demonstrate the correcting of these errors in coursework 2.
• If an element of coursework 1 is pointed out as being particularly good, you could make use of coursework 2 to ensure they understand why it was particularly good and also highlight how this could have been applied to other areas of their work.


International Banking

Assignment: Market Structure and Financial Stability

Question: Based on the dataset from World Bank on Financial Structure and Development, carry out a cross-country analysis on financial market structure and financial stability.

Please limit your answer of the question to 2000 words or less. You can use charts and tables to illustrate your analysis. The maximum number of tables (or charts / graphs) is four.

Discuss the merits and drawbacks associated with an independent central bank?


How can UK banks implement online banking strategies in order to achieve competitive advantage?: case study HSBC bank

How can United Kingdom banks implement online banking strategies in order to achieve competitive advantage?: case study of HSBC bank.

The purpose of the background is to inform the reader of the current status in the industry relating to the issue at hand.
There should be a comprehensive discussion.
Focus on the follow aspects:
a) What is the current situation in the industry at hand?
b) What makes the research necessary?
c) What situation created an interest into the research? (Here you need to begin strong arguments that relate to the formulated problem statement).
d) Ensure that this section provides a broad focus on the current scenario in the industry, to a narrower focus on the specific companies selected to a direct linkage with the formulated problem statement.
1.1 Statement of the Problem
The problem statement should identify briefly the state of uncertainty or dissatisfaction with present knowledge in the field. Then it should clearly and precisely identify the purpose of the study in terms of how it will help to advance our knowledge in that field.

1.2 Rationale of Research
You must include a rationale: an explanation of why you are studying the topic and of why it is important. You will need to show evidence that specialists in the field do find it important. It is not good enough to say that you find it personally interesting (you shouldn’t be studying it otherwise!). Think of your reader(s).
1.3 Research Question
A research question is a clear, focused, concise, complex and arguable question around which you center your research. You should ask a question about an issue that you are genuinely curious about.
Evaluate your question.

◦ Is your research question clear? With so much research available on
◦ any given topic, research questions must be as clear as possible in
◦ order to be effective in helping the writer direct his or her research.

Sample Research Questions
Unclear: Why are social networking sites harmful?
Clear: How are online users experiencing or addressing privacy issues on such social networking sites as MySpace and Facebook?

The unclear version of this question doesn’t specify which social networking sites or suggest what kind of harm the sites are causing. It also assumes that this “harm” is proven and/or accepted. The clearer version specifies sites (MySpace and Facebook), the type of harm (privacy issues), and who the issue is harming (users). A strong research question should never leave room for ambiguity or interpretation.

Unfocused:What is the effect on the environment from global warming?
Focused: How is glacial melting affecting penguins in the Arctic Circle?
The unfocused research question is so broad that it couldn’t be adequately answered in a book-length piece, let alone a standard college-level paper. The focused version narrows down to a specific cause (glacial melting), a specific place (the Arctic Circle), and a specific group that is affected (penguins). When in doubt, make a research question as narrow and focused as possible.

Too simple: How are doctors addressing diabetes in the U.S.?
Appropriately Complex: What are common traits of those suffering from diabetes in America, and how can these commonalities be used to aid the medical community in prevention of the disease?
The simple version of this question can be looked up online and answered in a few factual sentences; it leaves no room for analysis. The more complex version is written in two parts; it is thought provoking and requires both significant investigation and evaluation from the writer. As a general rule of thumb, if a quick Google search can answer a research question, it’s likely not very effective.
1.4 Research Aim and Objectives

• Are broad statements of desired outcomes, or the general intentions of the research, which ‘paint a picture’ of your research project
• Emphasize what is to be accomplished (not how it is to be accomplished)
• Address the long-term project outcomes, i.e. they should reflect the aspirations and expectations of the research topic.
Once aims have been established, the next task is to formulate the objectives. Generally, a project should have no more than two or three aims statements, while it may include a number of objectives consistent with them.
Objectives are subsidiary to aims and:
• Are the steps you are going to take to answer your research questions or a specific list of tasks needed to accomplish the goals of the project
• Emphasize how aims are to be accomplished
• Must be highly focused and feasible
• Address the more immediate project outcomes
• Make accurate use of concepts
• Must be sensible and precisely described
• Should read as an ‘individual’ statement to convey your intentions
Examples of Aim and Objectives:
• To critically assess the collection and disposal operations for bulky household waste in order to identify factors, which contribute to performance and technical efficiency.
• To critically assess bulky waste operations by local authorities, including volumes/types of materials arising and current disposal/recovery routes.
• To classify and evaluate the operation of furniture recovery schemes nationally.
• To make recommendations to improve the operational effectiveness of, and to maximise recovery opportunities of bulky waste collection.
1.5 Research Methodology (snapshot)
Remember to do the following when writing your Methodology:
• explain what methods you intend to use when researching and developing your report.
• use a descriptive writing approach. It is important to explain what research methods you used to collect your info.
• Do not include your questionnaires, interview transcripts, etc. -these go in the dissertation’s appendices.
Example of a methodology statement

The following sample statements are intended to give a flavour of the approach one could take but they are not to be assumed to represent a complete methodology.
Literature survey
Secondary data will be reviewed initially through the university library using a range of information sources such as the OPAC system, academic and commercial abstracts, bibliographic databases, and Internet search engines.
To aid the search, a table of key terms will be constructed and the sources located will be correlated with this. A secondary cross-reference table will be developed so that data can be viewed from different perspectives.

Data collection and sampling
To test current practice against the historical record an on-line survey will be conducted to gather primary source data from companies currently engaged in the export of goods related to heavy engineering projects.
The survey will collect quantitative data on the range of goods requiring an end-user licence. A systematic yet random sample of companies will be drawn from members of the British Business Register.

Data analysis
As the number of companies, engaged in the defined activity, has yet to be established the data analysis method has not yet been decided. However, it is anticipated that a commercial spreadsheet package such as MS Excel would be suitable, although more sophisticated analysis software such as SPSS is available within the university’s IT centre should this be required.

Bank capital and solvency risks:

Bank capital and solvency risks:
given balance sheet,Retail deposits rate
Bonds and other long term loans rate
Short term wholesale loans rate.
1. What is the probability that the bank is insolvent a year ahead?
2. What is the expected – or average ‐ return on the equity over the year? (remember the shareholders have limited liability so this calculation is not straightforward and you definitely cannot do it with a pocket calculator!).
3. Devise a fair scheme to pay the holders of all the debt of the bank if the bank is insolvent. (Take note of the fact that there are three types of debt and each has been promised a different interest rate and each has provided a different amount of debt).
4. Assuming that there was no change in the return promised on all types of funding or in the returns on assets, how much of the deposits of the bank would need to switched to equity funding for the chances of insolvency to be halved?
5. Could the situation described in question 4 be an equilibrium? If it is not an equilibrium what might change?

Business Continuity Practice in Investment Banking Sector in Japan – Identifying the uniqueness

Dissertation for MBA course at UK based university.
It must be written in phases to work along with tutor’s comments.
I need first 2 chapters by Dec. 2nd for tutor’s initial review and rest must be completed by Dec. 25th.
I’m going to upload dissertation guidelines, proposals and some reference materials separately but I would need you to search additional references/journals and I need copies of them as well.

Money and Banking

writer’s choice
This course for this paper :Money and Banking
I have written some first draft ,but it is not good . This paper is about 2500 words.I will attach some resources I use for first draft ,If you have better resource , you can use yours .Please analysis some graphs or tables and put the graph in the essay.
Guidance for the Term Paper
 Instructions: I would expect an essay which consists of approximately 2500
words, but there is no automatic penalty for shorter essay and no automatic
reward for longer ones. The quality of the essay is what counts!
 Topics: You can choose a country that had a crisis in the past1 and try to analyze
the following:
1. Why did the crisis start?
2. What were the consequences in the economy?
3. How long was the duration of the crisis?
4. Try to analyze how the economy was before the crisis begins.
5. Try to propose alternatives that may be useful to avoid a similar
6. Of course you can always extend these ideas. The approach that you will
follow is always up to you.
 Remember the first deadline is fast approaching (Oct 1).

Management Control Systems of Commonwealth Bank


Topic of our group case study:Management Control Systems of Commonwealth Bank , Australia. . This individual assignment deals with how the group assignment was done.

We were three group members and tasks were divided among group members. (A document titled “Group Case Study Plan” is attached which shows the tasks of each group members. Tasks for the team member “Myself” have been done by me.)

Please see the document titled “Assignment Details” for the instructions to prepare the assignment.

Individual Reflection on Working in a Team on the Case Study Assessment

The purpose of reflective writing is to give you an opportunity to examine your learning experience and make it relevant for your own purposes. This assignment is to be completed by students individually and the grading occurs individually as a result. The reflection required for this assignment relates to the student experience of working in a team to complete the Case Study, how you integrate this experience into learning for your degree as whole, and advice you would provide to future students who may do such an assessment. Students are encouraged to work on the assignment continuously over the 11-week duration of the team-based case study to provide a meaningful reflection.

Students must address the following aspects in their reflective exercise:

a) Providing some examples, how did your team usually work together?

b) What was your role(s) for this assessment when working in your team?

c) What aspects of the assessment did you feel were the best?

d) What problems or challenges did you face and how did you address those problems or challenges?

e) What would you do differently the next time you do an assessment like this?

f) In what ways do you think, doing this assessment helped your learning for your degree?

g) What skills did you develop and how will the development of these skills support your working career?
h) What advice would you give to students in the next “Management Control Systems” class, directly related to the Team based Case Study?

i) What advice would you the Unit Convenor of the next “Management Control Systems” class, specifically related to the Team based Case Study?

It is important for students to note that this reflective exercise is not consistent with that of an informal survey provided to students after they have completed an assessment. Hence, for this to be a fruitful exercise for you, it is important that you approach this assessment seriously and provide a considered and respectful response to the aspects required in your reflection.
Requirements for this Assignment

1. Please ensure that you use full explanatory sentences that carefully linked together to provide a comprehensive and careful reflection.

2. Other forms of expression of your reflection such as the use of pictures, graphs, figures in your assignment, to add value to your work are permitted in addition to your written responses.

3. The grading rubric for the reflective exercise is on page 5 of this document.


The following resources will help students to understand what a reflection is and to write one if it is something that a student has not yet undertaken.
The youtube video provides information on how to write reflective writing. The link for the youtube video is:
There is an appendix to this document sourced from the University of Southern Queensland and written by L. Brodie which may also be useful for you.

GUIDELINES FOR WRITING REFLECTIONS by L. Brodie (University of Southern Queensland)

Occasionally you may have a specific topic to write on or begin with an open-ended starter phrase. These will help you focus your attention on particular aspects of the material or experience. However, once you have addressed these topics, you will want to go beyond them and/or to address different topics as well. Other times, you will need to decide what is interesting and important to you and go in that direction.

When you write, consider that…
___ your audience is your advisor, instructor, and/or fellow graduate students.
___ reflection is NOT the same thing as summarizing.

Only summarize the content of the material or experience when it is necessary for
the reader to understand what you are saying and the comments you make.
___ you should expect to go into depth.

The length of a reflection is dependent not only on the topic and the amount of material or length of the experience, but also on the depth of your integration of the ideas and connections you make to other material and experiences.

Frequently, students ask what the instructor or advisor “want” in reflections. Although the content of the reflection is to be based on what you think and how you integrate ideas, there should also be depth, connections, evidence of understanding, and broad integration of ideas. There are lots of ways to address those criteria, but for those of you who would like further guidance, a possible pattern to pursue in your writing–one that seems comfortable for most people is to…

___ summarize your understanding CONCISELY and in your own words,
___ support your perspective with examples from your own experience,
___ agree, disagree–and support your position,
___ doubt or question any elements, conclusions,
___ draw your own tentative conclusions and / or applications,
___ identify and ask remaining questions.

Not all of the above need by addressed in every reflection; however, your reflection illustrates the depth of your learning and needs to be thorough enough for you and your reader to draw an accurate picture.

Knowledge Development
[40%] The work provides an insightful, comprehensive description with detailed exploration and explanation of the required aspects thus conveying a rich understanding of the students’ experience. The work provides a comprehensive description with a very good exploration and explanation of the required aspects thus conveying a strong understanding of the students’ experience. The work provides a satisfactory description with a good exploration or explanation of the required aspects thus conveying a sound understanding of the students’ experience. The work provides a basic description of each required aspect with no exploration or explanation thus conveying a basic understanding of the students’ experience. The work provides a basic description of a few aspects with no exploration or explanation thus conveying a marginal understanding of the students’ experience.
[40%] The work reveals a capacity to use new insights to reflect on issues, and to analyse and solve problems.
Reveals an ability to use these insights to hypothesise, theorise and generalize what has been learnt to new and different contexts. The work reveals a good capacity to use insights to reflect on issues, and to analyse and solve problems.
Reveals an ability to compare and contrast different situations, explain and interpret behavior and analyse situations in a systematic and integrated way. The work demonstrates a sound capacity to reflect on issues, and to analyse and solve problems.
Reveals evidence of an ability to apply knowledge to identify, list, classify different situations in a meaningful way. The work demonstrates a limited capacity to reflect on issues, and to analyse and solve problems.
Reveals evidence of a modest ability to apply knowledge to a particular problem or solution. The work demonstrates little evidence of capacity to reflect on issues, and to analyse and solve problems.
Reveals evidence of a limited ability to recognize when or how to apply knowledge to a particular problem or solution.
[20%] The work has been written and presented to an exemplary academic standard.
Insightful, comprehensive and satisfactory treatment of all task requirements. The work has been written and presented to a very high academic standard.
Comprehensive and satisfactory treatment of all task requirements. The work is written and presented in a satisfactory manner.
All task requirements satisfactorily addressed with majority treated comprehensively. The work is presented with sufficient coherence and clarity for the reader All task requirements addressed satisfactorily with majority not treated comprehensively. The work demonstrates little understanding or appreciation of standards required for academic writing with improvements is terms of clarity, grammar and spelling required.
Not all task requirements addressed in a satisfactory manner.

Heuristic Evaluation

make sure to answer 3 questions

Starbucks application OR Chase Bank

Assignment instructor:
Heuristic Evaluation
Usability is one of the most important aspects of any technology. If it is not designed intuitively, users are very quick to ‘bail’ on the technology in favor of something else. As such, designers are always looking for ways to engage users in the quickest way possible. Please provide a screenshot of a technology that you feel violates a usability principle from Nielsen.
In your post, please describe what is wrong with the interface according to Nielsen and how you might redesign it in order to avoid errors. In your response to peers, please also add at least 2 additional ways that the interface could be redesigned.
1. Please post your initial design by
make sure to answer 3 questions

Starbucks application OR Chase Bank

Assignment instructor:
Heuristic Evaluation
Usability is one of the most important aspects of any technology. If it is not designed intuitively, users are very quick to ‘bail’ on the technology in favor of something else. As such, designers are always looking for ways to engage users in the quickest way possible. Please provide a screenshot of a technology that you feel violates a usability principle.
In your post, please describe what is wrong with the interface and how you might redesign it in order to avoid errors. In your response to peers, please also add at least 2 additional ways that the interface could be redesigned.
1. Please post your initial design
2. Please respond to two peers
3. Please post your redesigns