Banker, Credit And Financial Analyst, Investment Analyst Nguyen Ngoc Thao | ứng viên tìm việc Bất động sản tại Hồ Chí Minh

Tên trường: Monash University

Giai đoạn: 2011 -2014

Tên khoa: Bachelor Of Business (Banking And Finance)

Địa chỉ: Hồ Chí Minh

Ghi chú học tập: EDUCATION Feb 2010 – Dec 2011Bachelor of Business (Banking and Finance) MONASH University, Caulfield, Melbourne, Vic, Australia Major in •Banking and finance oHigh distinction Subjects Treasury management (82) Lending decisions (81) Futures and options markets (81) Investment and portfolio management (80) •Economics oHigh distinction Subjects Trade finance and foreign exchange (82) International banking and finance (90) Achievement Distinction average achieved •Grade Point Average (GPA) = 3 •Weighted Average Mark (WAM) = 73.8 •Big improvement during college years: oFirst semester of second year : Average mark = 65.7 oSecond semester of second year: average mark = 74.75 oFirst semester of third year : average mark = 83.75 osecond semester of third year : average mark= 70.25 July 2009 – Jan 2010Diploma of Business MONASH College, Caulfield, Melbourne, VIC, Australia. KEY COURSE RELATED PROJECTS 2011Credit Analysis (3rd Group Project) Determining and Analyzing oThe Credibility of four Listed Corporations using the Merton Model. oCalculating and analyzing asset volatility, distance to default, default probability from share value, asset value and liabilities. oImpact of the Global Financial Crisis 2008 on these figures. oCalculating and comparing these figures pre-crisis and post-crisis oFactors effect on these figures : Firm factors and industrial factors oThe effectiveness of the Merton Model. oAssumptions oProcess oResult: Distinction APRA’s Liquidity Standard (3rd Project) oAnalyzing proposed changes to APRA’s Liquidity Standard: oReform was considered in order to safeguard the stability of the financial system against the systematic risk related to high concentrated banking system, and focus on liquidity risk. It mainly included three parts: The qualitative requirement, Scenario analysis, Liquid assets. oAnalyzing its potential effects on Bank Performance and Financial Market oBond market: impacts on demand, supply and products. oBank Cost: increase in cost of operation, cost of holding high liquid asset and cost of reducing lending. oResults: High Distinction (92%) 2010Bank Performance (2nd Project) oAnalyzing Performance of four banks: NAB, ANZ, Standard Chartered and Northern Rock. oAnalyzing impacts of the Global Financial Crisis 2008 on their performance. oResults: High Distinction (92%) oProcess: Part1: Data were collected to calculate significant ratios Profitability: Return on Asset Ratio, Return on equity Ratio Liquidity management: Net loan/total asset Ratio, Liquid asset/ Customer and short term funding Ratio Risk Management: Impaired Loans/ Gross Loans Ratio, Loan loss reserve/ Gross Loans Ratio Capital support: Tier 1 Ratio, Equity/Total asset Ratio. Part 2: Determine whether those banks survive from The GFC2008. This process was decided based on those questions: How its business is profitable during the recession. How Liquidity is managed to support its business, maintain profitability, avoid high cost of wholesale funding market and bank run How banks faced and provided against credit risk. How capital was managed to support and maintain business.

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