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Countries are exporting and importing according to their need and level of progress. Pakistan is also an exporting country. Major exports are cotton, wheat, rice, vegetables, fruits, fish, leather goods and salt while major imports are machinery, petrol, equipment, mobiles and vehicles. Pakistan is facing trade deficit due to less exports. Economy of Pakistan mainly depends on agricultural sector. According to a report, agricultural sector contributes 18.9 percent to Gross Domestic Product and absorbs 42.3 percent of labor force. The cotton and textile industries play a dominant role in exports of Pakistan. Increase in exports can solve the main issues of the economy like unemployment and poverty.
After reading the above facts and figures, suggest and discuss the steps that should be taken by the government in order to increase the exports of Pakistan.
The strong financial system helps in ---------- the spread between banks lending and borrowing rate.
Spreads in Lending
For any business that lends money, the interest rate spread is what the company charges on a loan compared to its cost of money. A bank runs on interest rate spreads, paying a certain rate on savings and CD deposits and making loans at higher rates than it pays to savers.
Term: duration of product and services offered by Bank are known as Term.
There are two type of term in banking system are as follows:
Short term: short-term lending options are paid back over a period of months or as little as two years. Short-term business financing options are for smaller amounts. Because short-term financing is for smaller amounts, you pay them back more quickly at a higher interest rate and there’s a shorter approval process.
Long Term: long-term lending options are paid back over a number of years. Long-term financing options are for larger amounts. Long-term business financing options are for larger amounts, there’s a longer, more rigorous approval process and it takes more time to pay them back.
Demand Liabilities: Demand Liabilities are those liabilities which are to be paid as and when demanded. Example: deposit in saving and current accounts are demand liabilities. Bank has to pay then as and when demanded.
Question No 2: (Different Financing Facilities)
The different financing Facilities provide by the banking system are as follows:
Business Lines of Credit
Deferred payment plans
Lines of credit
Letters of credit
Swing line loans
Loan for Capital
Lone for Agriculture Production etc.
Question No 3: (Locker Facility)
Yes our bank is provided Locker facility to the customer to safe or secures their Documents’ and value able things.