What Is Capital Adequacy Ratio – CAR? The capital adequacy ratio (CAR) is a measurement of a bank’s available capital expressed as a percentage of a bank’s risk-weighted credit exposures. The capital adequacy ratio, also known as capital-to-risk weighted assets ratio (CRAR), is used to protect depositors and promote the stability and efficiency of financial
What Is Capital Appreciation? Capital appreciation is a rise in an investment’s market price. Capital appreciation is the difference between the purchase price and the selling price of an investment. If an investor buys a stock for $10 per share, for example, and the stock price rises to $12, the investor has earned $2 in
Capital assets are significant pieces of property such as homes, cars, investment properties, stocks, bonds, and even collectibles or art. For businesses, a capital asset is an asset with a useful life longer than a year that is not intended for sale in the regular course of the business’s operation. This also makes it a
What Is Capital Budgeting? Capital budgeting is the process a business undertakes to evaluate potential major projects or investments. Construction of a new plant or a big investment in an outside venture are examples of projects that would require capital budgeting before they are approved or rejected. As part of capital budgeting, a company might
What Is a Capital Buffer? A capital buffer is mandatory capital that financial institutions are required to hold in addition to other minimum capital requirements. Regulations targeting the creation of adequate capital buffers are designed to reduce the procyclical nature of lending by promoting the creation of countercyclical buffers as set forth in the Basel
What Is Capital Commitment? A capital commitment is the projected capital expenditure a company commits to spending on long-term assets over a period of time. It also refers to the securities inventory carried by a market maker. The capital commitment may also refer to investments in blind pool funds by venture capital investors, which they
Apple trees are best pruned in winter when they are dormant. Young apple trees can grow narrow and erect or open and spreading. At maturity, the apple tree will be spreading. Prune young narrow and erect apple trees by cutting branches just above buds which are pointed away from the center of the tree. Prune
Too many apples? Sometimes, yes. The best way to get large, delicious apples is thinning the crop. Thinning Apple Basics Thin the fruit to a distance of twice the diameter of the fruit at maturity. If you expect the mature apples to be 3-inches across, leave 6 inches between each apple after thinning. If you’re
Apples for eating out of hand, apples for baking and cooking, apples for sauce and juice, apples to serve with savory dishes and apples for dessert: there is an apple for every use. Apples that ripen early, apples that ripen mid-season, and apples that ripen late for eating right into winter: there is an apple
There are two apricots you must simply eat out of hand: ‘Blenheim’ is a medium to large, sweet and aromatic, and very juicy apricot with a classic apricot flavor; ‘Moorpark’ is a large, sweet, aromatic, and juicy apricot with a rich plum-like taste. You will find dozens of varieties of just picked apricots to choose
