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Case Analysis of Abu Dhabi Commercial Bank - Free Essay Example

Case Analysis of Abu Dhabi Commercial Bank Current Situation- Abu Dhabi Commercial Bank, a prime bank in UAE, launched in 1985 with limited liabilities and public share holdings, came into operation at UAE. Abu Dhabi Commercial bank had booked a net profit of AED 4201 million in the year 2014.The representation ADCB in London had been made on January 20th, 2015 by launching representative office. ADCB had celebrated 2nd EMSA GRAND PRIZE of 1 million AED won by Saleh Al Samali, one of the fortunate savings account holder. ADCB and Abu Dhabi terminals signed finance agreement for Landmark Abu Dhabi development at Khalifa Port on 4th January, 2015. ADCB contributed AED 245,000 In March 2015 to environmental efforts of Emirates Wildlife Society to support the movement with constant endeavor from past till date. Issue- The normal issue faced by any bank or financial institution is the emerging bad or doubtful debts. The loan given to an individual or any organization from the ba nk is sanctioned upon the credential of the borrower. Apparent observations with track record of the borrower are the main criteria for issuing the loan. If the borrower fails to get return from the investment done by bank loan, the situation of bad or doubtful debts occurs. In the terminology of finance it is named as Non Performing Assets or NPA. The more the NPA of the bank or financial organization, the more profits shrinkage is faced by the bank. The quantum of NPA directly affects the position of the bank. In the process, the share valuation in the stock market goes down. The stake holders are directly affected with this because of the lesser dividend or no dividend declaration demoralizes the share holders. The issue of NPA in case of ADCB had been critical in the last years, but the system of bad debts write off in case of investment properties now decreases had made the bottom line of NPA looked healthier when it reaches to Dh 2.08 billion with 27.1 % to total debts. Since the situation of debt crisis broke in Dubai financial market, there were constraints barring the banks to issue fresh loan. Anyway, the slow recovery of bad debts took place, which was always the sign of relief for the bankers. Mission- The mission of ADCB, is normal for any banking sector organization. They are more eager to put emphasis on the customer- bank relationship. Bank normally falls under service industry. So the approach of the bank to an individual associated with them should be customized as per the needs of the client. With the catalogue of different type of services – whether it is loan or deposit account, the service is required for keeping the customer updated with the features, the advantages and disadvantages of the respective subject. There should not be any hidden factors been disclosed to the customers during briefing the customer about any product. Moreover, the bank has to invent more innovative products for the customers as per their needs. The pr oducts should be tailored and framed in such a manner that the priority of customer needs will get first priority. The banking industry has to frame its products as per the guidelines framed by the Finance Ministry of the country. As in case of ADCB, the Shari’ah compliant guideline is maintained to follow the financial guideline to be followed by the Islamic run governments. This guideline restricts them to offer products which are available in other banks of world. Irrespective of this limitation, ADCB strives hard to provide upgraded and updated standard of banking service to the doorstep of the customers. Objectives- Launched in the year 1985, ADCB had already crossed a long and successful run of 30 years. The tag line Long Live Ambition clearly depicted their objectives. The launching of products, the making of a strong and loyal customer base, the customization of the products, and providing constant flawless service were the basic objectives of ADCB. In addition , t hey have constant endeavor to introduce new products properly framed after rigorous exercise of the applicability of the product make them a landmark company in banking sector at UAE. The main or focused objectives of ADCB is to serve customers and to meet the objective, they have come up with different products of banking and other areas of financial activities.including issuance of different bonds. For business and personal banking, ADCB offers some structured products which are conventional and customized with pre package products those are linked to securities, commodities, options, indices, fixed income enabling the customers to get high yield of returns with the value addition of effective portfolio diversification. The ultimate objective now fixed is to achieve the optimum level of business by ensuring the customer satisfaction at its highest standard. Pest Analysis :- Political- To find out the political analysis of ADCB, first we have to understand the status of the b ank as per proprietorship. ADCB is a bank formed in the year 1985, with the status of public shareholding with limited liability. The main owner is the government of Abu Dhabi with its 65% stake holding through Abu Dhabi Investment Authority. ADCB is one of the largest company as per the conditions of share holding and capitalization of market. As government is the main stake holder, the regular business activities are governed by the government and as the big brother of the investors, the government has to ensure security factor of the investors and the customers. As the political condition of UAE is not volatile ,the stability related to political aspect is comfortable for smooth functioning of ADCB. Economical – The economic condition of ADCB is strong, as per the records and statistics. The economic condition of any bank can be judged by the capital management of the bank. The Central Bank of UAE controls the economic area of ADCB. They have fixed guidelines depicting the maintenance of capital adequacy and the use of regulatory capital are mandatory techniques to monitor the economic performance of the bank. The benchmark fixed by Central bank of UAE and Basel committee set the ratio of total regulatory capital to risk weighted deposit as 12%. The performance of ADCB so far capital adequacy ratio is concerned showed remarkable achievement of 22.51% in 2011 and 23.05% in 2012 which shows the healthy condition of ADCB. Their profit booking of 2013 and 2014 of 3620 million AED and 4201 million AED also supports the comfortable economic condition of the bank. Social- The role of ADCB in respect of social responsibilities are concerned, are well attended to. There are so many social activities taken care by ADCB out of which are mentioned herewith- a) The waiver scheme of debt settlement as per the MOU with UAE Nationals defaulted Debt Settlement Fund in 2012, the bank had waived AED 22.7 million for 184 UAE nationals, b) launching of â€Å"ADCB The Tree of Hope† charitable program for awareness of breast cancer and sponsorship of the fourth pink polo charity match for the same purpose, c) donations made to Latifa Hospital and on behalf of Emirates Millionaire Savings Account (EMSA) customers to Zakat fund, d) partnership with Emirates Wild Life Society in collabortaion with WWF to raise awareness. These activities surely depicts that ADCB is well aware of their social responsibilities and never ignored that, instead reverted with positive manner. Technology- The technology used for execution of normal activities of ADCB is Newgen Technologies backed by Data Direct team. They are pioneer of launching sms banking, mobile banking etc.in UAE which are the need of banking business of 21st Century. A good technology backed by a competent team enable them to render service in effective manner. External Analysis, Porter’s Five Forces:- Barriers to entry- ADCB is backed by the UAE government and controlled by the Central Bank of UAE. Hence the security part related to barriers to entry is well secured with the existence, the construction, the licensing part and the confirmation of required Capital with Capita Adequacy ratio well above the guide line set by Basel Committee and the Central Bank of UAE. The bargaining power of suppliers- In the case of ADCB, the suppliers are not conventional like manufacturing units. In banking sector, the biggest supplier are the service provider of technology, who normally enters in a long term agreement for providing the service and solution with trouble shooting so the question of bargaining power of suppliers are minimized. The bargaining power of buyers- The products , before the launching in the market, are well analyzed keeping in mind of the needs of the buyer, and to ensure their need is to be given the first preference within the limit of flexibility allowed by the authorities. Hence the bargaining power of buyers are also minimized. Co mpetitive rivalry- Due to its construction and structure, ADCB is ranked as third of the banks of UAE. There is no such big threat for their existence and the rivalry is not so because of their own solid system of implementation and execution. The threat of substitution- As its not marketing any consumable goods, the treat of substitution may not arise, because the substitution will not arise . Opportunities- With the introduction of new branches abroad and the new products in the forms of bonds launched in the market, ADCB has ample opportunity to grow more with the basic keeping strict, as ever. Threat- the only threat to ADCB is the volatile situation of the political scenario of UAE, apart from that there is no such threat. Overall evaluation of the external environment- As per the past data, the recent activities and the analysis of different factors, it is evident that the condition of ADCB is stable and well guarded by the pre conditions set by the authorities . Internal analysis:- Organizational strategy- The organizational structure of ADCB shows the proper alignment of delegation of authority in every level and the strategy of maintaining the same will be the best option. The pyramid contains Board of Directors at the top, keeping Internal Audit, CEO and legal and board secretariats in the second tier and the last tier contains different departments of banking service- is the most ideal hierarchy pyramid for ADCB. Value chain analysis- With the mission to striver harder for achieving the optimal goal, ADCB started their ‘Towards Excellence’ journey in 2012 which, with the power of constant effort to support the goal of the clients their perfect value chain with human resources and technology works relentlessly. Strengths- ADCB has the best condition of ownership with government holding as 65% and the guideline framed by the authorities made them the strongest of the banks of UAE. Weakness- The deficiency of int ernal capital generation and the regulators decision to make higher provision for bad debts may weaken the health of ADCB. Market Share- ADCB is placed comfortably in third place behind Emirates NBD Bank and National Bank of Abu Dhabi. Overall evaluation of internal environment- ADCB , with its perfect position placed third in the UAE banking sector is placed comfortably in the stage from where they can have a flying start heading for mission’ Towards Excellence’ in 2015. Key success factors- The foundation of ADCB supported by strong base of strategies and the policies taken by the management with the committed human resources are the key success factors. Alternatives :- Criteria Matrix to evaluate alternatives- The evaluation of alternatives as per criteria matrix shows the feasibility as ok for status quo maintained. Recommendations- Action Plan- The provision for NPA should be logically implemented to avoid the loss of capital, which is the onl y gray area of operation for ADCB. Contingency Plan- As per the high quality analytics and forecasting inclusive of proposal of Basel 3 committee recommendations, the provision for contingency funding plan had been implemented since 2009.

Personal Narrative Mother s Wedding - 811 Words

Mother’s wedding Before the civil war in 1991, Mogadishu used to be like any other capital city in the world. It was not different from Roma, Italy. Mogadishu traditionally served as a commercial and financial center in East Africa. Tourists used to love visiting Mogadishu and lie down on the beach to sunbathe. In those old days, local Somalis and foreigners used to enjoy the city. The city had beautiful beachfront hotels, resorts such as Jazzira, and Lido, museums, and cathedrals. Its people used to dance away at a nightclub. Back then, Mogadishu residents used to spend time swimming and having picnics and then, in the evening, they would go out to the cinema or theater. On the beaches, swimmers reclined on lounge chairs and erected big umbrellas. Women in full-body bathing suits splashed in the ocean. Ice cream and seafood were sold at the beachfront restaurants. This is the city in where my mother was born. My father, Omar Ibrahim and mother, Faiza, met at a meeting held at a local community neighborhood. My father told me they ended up exchanging contact information. They used to talk with each other as friends for a while until both fell in love. Before their relationship developed, the minister of education relocated my mother to work as a teacher in remote villages. My mother left Mogadishu. My dad’s eyes grew larger when he heard she was being transferred to the rural area. He felt upset that he would not see her for the whole year. A year later, my mother cameShow MoreRelatedAlice Walker s The Novel The Color Purple By Alice Walkers873 Words   |  4 PagesMany times when we read a personal essay, we tend to not pay attention to the little details and instead go for what we believe is the main point†. 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Microeconomics Cheat Sheet free essay sample

Price regulation — Marginal cost pricing is one form of price regulation, where the monopolist’s price is set equal to marginal cost at the quantity of output at which demand intersects marginal cost. The problem with marginal-cost pricing is that it usually results in the monopolist suffering a loss—a result that cannot be sustained for long. Profit regulation — A second possibility is to limit the monopolist to zero economic profit, either by taxing all economic profits away or by using average-cost pricing, which requires the monopolist to charge a price equal to average total cost.The problem here is that the monopolist has no incentive to minimize costs, since it will be allowed to pass all costs on to customers and gains no additional benefit by being cost-efficient. Output regulation — The third possibility is for government to mandate a quantity of output it wants the natural monopoly to produce. — The government can assure a particular level of output, and the monopolist can gain additional economic profits by lowering its costs. Briefly discuss the Capture, Public Interest, Public Choice theories of regulation.The Capture Theory of Regulation—This theory states that no matter what the motive for the initial regulation, eventually the agency responsible for the regulation will be â€Å"captured† (controlled) by the industry that is being regulated. As a result, the regulatory measures enacted will be affected by this relationship. Four points that support this theory are presented. The Public Interest Theory of Regulation—This theory holds that regulators are seeking to do, and will do through regulation, what is in the best interest of society at large. -The Public Choice Theory of Regulation—This theory predicts that the outcomes of the regulatory process will tend to favor the regulators instead of either business interests or the public. Elastic Demand (Ed gt; 1)—If the percentage change in quantity demanded is greater than the percentage change in price, demand is said to be elastic, and a change in price will cause a larger opposite change in quantity. Inelastic Demand (Ed lt; 1)—If the percentage change in price is greater than the percentage change in quantity demanded, demand is said to be inelastic, and a change in price will cause a smaller opposite change in quantity.Unit Elastic Demand (Ed = 1)—If the percentage change in quantity demanded equals the percentage change in price, demand is said to be unit elastic, and a change in price will cause a proportional change in quantity. Perfectly Elastic Demand (Ed = ? )—If quantity demanded changes dramatically in response to a change in pric e—indeed, in the purest sense, if quantity demanded drops to zero in light of a price change—demand is said to be perfectly elastic. Perfectly Inelastic Demand (Ed = 0)—If quantity demanded is completely unresponsive to a change in price, demand is said to be perfectly inelastic.Market Structure| Short-Run Tendency of Price and MR| Short-Run Tendency of Price and MC| Long-Run Tendency of Price and ATC| Short Run Supply Curve| Long Run Supply Curve| Resource Allocative Efficient? | Productive Efficient? | Perfect Competition| P = MR| P = MC| P = ATC| MC above AVC| MC above ATC| Yes| Yes| Monopoly| P gt; MR| P gt; MC| P gt; ATC| Undefined| Undefined| No| No| Monopolistic Competition| P gt; MR| P gt; MC| P = ATC| Undefined| Undefined| No| No| Oligopoly| P gt; MR| P gt; MC| P gt; ATC| Undefined| Undefined| No| No| Determinants of Price Elasticity of Demand . Number of Substitutes—The more broadly defined the good, the fewer the substitutes; the more narrowly defined the good, the greater the substitutes. The more substitutes that are available for a good, the higher its price elasticity of demand; the fewer substitutes, the lower the price elasticity of demand. 2. Necessities versus Luxuries—The more a good is considered a luxury, the higher the price elasticity of demand. The more a good is considered a necessity, the lower will be its price elasticity of demand. 3.Percentage of One’s Budget Spent on the Good—The greater the percentage of one’s budget that goes to purchase a good, the higher the price elasticity of demand; the smaller the percentage of one’s budget that goes to purchase a good, the lower the price elasticity of demand. 4. Time—The more time that passes (after a price change), the higher the price elasticity of demand for the good; the shorter the time span, the lower the price elasticity of demand. That is, price elasticity is higher in the long run than in the short run. A. Cross Elasticity of DemandCross elasticity of demand measures the responsiveness of the quantity demanded of one good to a change in the price of another good. Cross elasticity of demand (EC) is defined as: Percentage Change in Quantity Demanded of One Good Ec =————————————————————————— Percentage Change in Price of Another Good We use cross elasticity to determine whether two goods are substitutes, complements, or unrelated. If EC gt; 0, the two goods (X and Y) are substitutes; if EC lt; 0, the two goods are complements; and, if EC = 0, the two go ods are unrelated. B. Income Elasticity of DemandIncome elasticity of demand measures the responsiveness of the quantity demanded of a good to a change in income. Income elasticity of demand (EY) is defined as: Percentage Change in Quantity Demanded EY =——————————————————— Percentage Change in Income We use income elasticity to distinguish between normal and inferior goods. If EY gt; 0, X is a normal good; if EY lt; 0, X is an inferior good. We also look at the degree of income elasticity. If EY gt; 1, demand is income elastic; if EY lt; 1, demand is income inelastic; and if EY = 1, demand is income unit elastic.C. Price Elasticity of Supply Price elasticity of supply measures the responsiveness of quantity supplied of a good to a change in the price of that good. Price elasticity of supply (ES) is defined as: Percentage Change in Quantity Supplied ES =—————————————————— Percentage Change in Price If ES gt; 1, supply is elastic; if ES lt; 1, supply is inelastic; and if ES = 1, supply is unit elastic. Any of these three conditions can occur on a â€Å"normal† upward-sloping supply curve. Two â€Å"special† conditions are also possible: if ES = ? supply is perfectly elastic, meaning that the supply curve (or at least the portion we’re observing) is horizontal; and if ES = 0, supply is perfectly inelastic, meaning that the supply curve (or at least the portion of it we’re observing) is vertical. E. Price Elasticity of Supply and Time Over time, as producers are able to adjust their behavior and production patterns, supply becomes more price elastic than it is in the short run. F. The Relationship Between Taxes and Elasticity 1. Who Pays the Tax? —Government can place a tax on whomever it wants, but the laws of supply and demand determine who actually ends up paying the tax. . Elasticity and the Tax—We look at price elasticities of supply and demand to determine who pays a tax. If demand is perfectly inelastic or if supply is perfectly elastic, consumers pay the full tax. If demand is perfectly elastic or if supply is perfectly inelastic, producers pay the full tax. - 3. Degree of Elasticity and Tax Revenue—The government can maximize tax revenues by placing the tax on the seller who faces the more inelastic (less elastic) demand curve. discusses the effect on the yacht-building industry of a 10% tax on yachts priced over $100,000 that was passed by the U.S. Congress in 1990. I. WHY FIRMS EXIST A business firm is an entity that employs resources to produce goods and services to be sold to consumers, other firms, or the government. This section discusses why firms exist. A. The Market and the Firm: Invisible Hand versus Visible Hand The market guides individuals into the activities at which they are most efficient and enables them to express their preferences for goods, instructing producers as to what is wanted and what is not. Managerial coordination guides and coordinates individuals’ actions in a firm. B.The Alchian and Demsetz Answer Armen Alchian and Harold Demsetz suggest that firms are formed when the benefits that can be gained from working as a team are greater than the sum of the benefits that could be gained by acting individually. C. Shirking in a Team - One problem of team production is shirking, which occurs when workers put forth less than the agreed-to effort. Shirking is significant because the individual gains all of the benefits of shirking, while the consequences are spread across the entire team.The monitor (or manager) plays an important role in the firm by reducing the amount of shirking by rewarding productive workers and punishing shirkers. In so doing, the monitor can preserve the benefits of team production while reducing, if not eliminating, the costs of shirking. Making the monitor a residual claimant of the firm reduces the monitor’s incentive to shirk. Some firms may pay above-market wages to discourage shirking and encourage employees to monitor themselves. The argument is that workers will not want to lose a job that pays them an above-market wage, and they will reduce shirking to ensure this.Economists who adhere to this theory believe that firms will only pay above-market wage rates if the monitoring costs fall more than wages go up. This is known as the efficiency wage theory. D. Ronald Coase on Why Firms Exist According to Coase, firms exist in order to reduce transactions costs. They make employment contracts with workers so as to eliminate the need to contract every work task out separately. E. Markets: Outside and Inside the Firm Individuals join a firm because they expect to be made better off. Shirking by other members of the team reduces the benefits to nonshirking workers. Monitors reduce the amount of shirking, thereby increasing the benefits gained from teamwork. Thus, employees submit to the monitor’s commands because they realize that only a well-monitored team will yield the benefits they desire. II. THE FIRM’S OBJECTIVE: MAXIMIZING PROFIT Economists assume that a firm’s objective is to maximize profit. Profit is the difference between total revenue and total cost. Total revenue is equal to the price of a good multiplied by the quantity of the good sold. Economists define total cost as explicit costs plus implicit costs. An explicit cost is a cost incurred when actual payment is made. An implicit cost is a cost that represents the value of resources used in production for which no actual (monetary) payment is made. A. Accounting Profit versus Economic Profit Accounting profit is the difference between total revenue and explicit costs. Economic profit is the difference between total revenue and total cost (explicit and implicit costs). B. Zero Economic Profit is Not as Bad as it Sounds In economics, a firm that makes a zero economic profit is said to be earning a normal profit. A zero economic profit means the owner has generated total revenue sufficient to cover both explicit and implicit costs, and means that he has â€Å"done as well as could have been done. † III. PRODUCTION Production is a transformation of resources or inputs into goods and services. Economists talk about two types of inputs in the production process—fixed and variable. A fixed input is an input whose quantity cannot be changed as output changes, while a variable input is an input whose quantity can be changed as output changes. The short run is a period in time in which some inputs are fixed, while the long run is a period in time in hich no inputs are fixed. A. Production in the Short Run The marginal physical product (MPP) of a variable input is equal to the change in output that results from changing the variable input by one unit, holding all other inputs fixed. With respect to labor, this would mean that the marginal physical product of labor would be defined as MPP of Labor = ? Q / ? L The law of diminishing marginal returns states that as ever-larger amounts of a variable input are combined with fixed inputs, eventually the marginal physical product of the variable input will decline. B. Marginal Physical Product and Marginal CostFixed costs are the costs associated with fixed inputs. Variable costs are the costs associated with variable inputs. Fixed costs do not change as output changes. Because the quantity of a variable input changes with output, so do variable costs. Total cost is the sum of fixed costs and variable costs. Marginal cost is the change in total cost that results from a change in output: Marginal cost (MC) = ? TC / ? Q The MPP and MC move in opposite directions. Since the MPP curve first rises and then (when diminishing returns set in) falls, it follows that the MC curve must first fall and then rise. C. Average ProductivityAverage productivity is the output divided by the inputs, usually labor, or AP = Q / L The average physical productivity of labor is what is meant by labor productivity. IV. COSTS OF PRODUCTION: TOTAL, AVERAGE, MARGINAL A. The AVC and ATC Curves in Relation to the MC Curve The average-marginal rule tells us that when the marginal magnitude is above the average magnitude, the average magnitude rises; and when the marginal magnitude is below the average magnitude, the average magnitude falls. In other words when MC gt; AVC (ATC), the AVC (ATC) curve rises; when MC lt; AVC (ATC), the AVC (ATC) curve falls.Additionally, we can infer from these relationships that the MC curve must intersect the AVC and ATC curves at their respective minimum points. The average-marginal rule does not apply to the AFC curve, since marginal costs do not affect fixed costs. In this case, the AFC curve will decrease continuously as output rises. B. Tying Short-Run Production to Costs In the short run, at least one input is fixed. When we increase production, the MPP of the variable input will eventually fall, increasing marginal costs, which in turn raises AVC and ATC. Thus, the cost of a good is tied to the production of the good.C. One More Cost Concept: Sunk Cost A sunk cost is a cost incurred in the past that cannot be changed by current decisions and cannot be recovered. In contrast to fixed costs, sunk costs are completely â€Å"lost. † With fixed costs (land, equipment, etc. ), there is at least the possibility of resale in order to recover some of the cost; with sunk cost, there is not even that chance. Since they cannot be recovered, sunk costs should not be considered when making decisions. V. PRODUCTION AND COSTS IN THE LONG RUN In the long run there are no fixed inputs and no fixed costs.Consequently, the firm has greater flexibility in the long run than in the short run. A. Long-Run Average Total Cost Curve The short-run ATC curve presented earlier assumed a fixed plant size. Each possible plant size has a short-run ATC curve associated with it. The long-run average total cost (LRATC) curve for a given firm combines the short-run ATC curves that represent all possible plant sizes, such that the LRATC curve shows the lowest average cost at which the firm can produce any given level of output. Put another way, the LRATC curve touches each short-run ATC curve at its lowest point. B.Economies of Scale, Diseconomies of Scale, and Constant Returns to Scale Economies of scale exist if unit costs fall as output increases. Constant returns to scale exist if unit costs remain constant as output increases. Diseconomies of scale exist if unit costs rise as output increases. If economies of scale are present, the LRATC curve is falling; if constant returns to scale exist, the LRATC curve is flat, and if diseconomies of scale are present, the LRATC curve is rising. The minimum efficient scale is the lowest output level at which average total costs are minimized. C. Why Economies of Scale?Economies of scale exist for two main reasons: growing firms offer greater opportunities for employees to specialize, and growing firms can take advantage of highly efficient mass production techniques. D. Why Diseconomies of Scale? Diseconomies of scale occur because a firm’s size produces coordination, communication, and monitoring problems. Knowing that these problems exist, firms will reorganize, divide operations, hire new managers, and take other measures to reverse the diseconomies of scale. E. Minimum Efficient Scale and Number of Firms in an Industry The minimum efficient scale varies from one industry to another.We can estimate the number of efficient firms it takes to satisfy U. S. consumption for a particular product by dividing the MES as a percentage of U. S. consumption into 100. VI. SHIFTS IN COST CURVES Several factors shift cost curves A. Taxes- Taxes on the production of a good will increase the perunit costs of production, shifting the MC, AVC, and ATC curves upward. B. Input Prices A change in input prices brings about a corresponding change in the firm’s MC, AVC, and ATC curves, shifting them upward if input prices rise and downward if input prices fall. C.Technology Technological changes often bring either (1) the capability of using fewer inputs to produce a good or (2) lower input prices. In either case, technological advances lower variable costs and, consequently, shift the MC, AVC, and ATC curves downward. I. MARKET FAILURE When a market produces more or less than the ideal or optimal amount of a particular good, economists say there is market failure. II. EXTERNALITIES Sometimes, when goods are produced and consumed, side effects, or externalities, occur that are felt by people who are not directly involved in the market exchanges.These externalities may be negative or positive. A. Costs and Benefits of Activities A negative externality exists when a person’s or group’s actions cause a cost (or adverse side effect) to be felt by others. A positive externality exists when a person’s or group’s actions cause a benefit (or beneficial side effect) to be felt by others. B. Marginal Costs and Benefits of Activities Marginal social costs (MSC) are the sum of marginal private costs (MPC) and marginal external costs (MEC). Marginal social benefits (MSB) are the sum of marginal private benefits (MPB) and marginal external benefits (MEB).C. Social Optimality or Efficiency, Conditions The socially optimal amount (output), or the efficient amount (output) is the amount at which MSB = MSC. D. Three Categories of Activities Activities may be categorized according to whether negative or positive externalities exist, as follows: 1. If MEC and MEB both =0, there are no externalities. 2. If MEC gt; 0 and MEB = 0, then MSC gt; MPC and MSB = MPB, and a negative externality exists. 3. MEB gt; 0 and MEC = 0, then MSB gt; MPB and MSC = MPC, and a positive externality exists. E. Externalities in Consumption and in ProductionExternalities can arise both from consumption and from production. F. Diagram of a Negative Externality Exhibit 1 in the text shows, as a shaded triangle, the net social cost of moving from the socially optimal output to the market output when the socially optimal output is smaller than the market output. G. Diagram of a Positive Externality Exhibit 2 in the text shows, as a shaded triangle, the net social cost of moving from the socially optimal output to the market output when the socially optimal output is larger than the market output. III. INTERNALIZING EXTERNALITIESAn externality is internalized if the parties that generated the externalities incorporate the external costs and/or benefits of their actions into their own private costbenefit calculations. This can be achieved by several means. A. Persuasion Many negative externalities occur simply because the parties that create them do not consider the effects of their actions on others. By informing the parties responsible for an externality of the consequences of their actions and persuading them to alter their behavior, we may get them to adjust their behavior to take these costs into account.B. Taxes and Subsidies Taxes and subsidies are sometimes used as corrective devices for a market failure. Specifically, a tax is used to adjust for a negative externality, and a subsidy to promote an activity with positive externalities. If a negative externality exists, the objective of a corrective tax would be to shift the supply curve such that the equilibrium level of output falls from the market output to the socially optimal output. If the government misjudges external costs, it may reduce output more than is socially optimal. C.Assigning Property Rights Some economists argue that many negative externalities occur because no one â€Å"owns† the air, oceans, etc. As a result, there is no one to take action against polluters for infringing on property rights. If we could only assign property rights—that is, determine legal ownership of these natural resources—we could reduce negative externalities. The absence of land ownership on grazing lands in the western United States in the 19th century led to overgrazing that reduced the quality of the land. D. Voluntary AgreementsExternalities can sometimes be internalized through voluntary agreements between the creator(s) of the externality and the third party (-ies) affected by it. In order for such an agreement to be reached, however, the transactions costs associated with making the agreement must be lower than the expected benefits of the agreement E. Combining Property Rights Assignments and Voluntary Agreements The combination of property rights assignments and voluntary agreements can be combined. For instance, if a property right is assigned to one party, that property right may be undone with a voluntary agreement between that party and another one.This idea led to the Coase theorem, which holds that in the case of trivial or zero transaction costs, the property rights assignment does not matter to the resource allocative outcome. 1. Coase Theorem—The Coase theorem can be expressed in other ways, for example: (1) in the case of trivial or zero transaction costs, a property rights assignment will be undone if it benefits the relevant parties to undo it; (2) in the case of trivial or zero transaction costs, the resource allocative outcome will be the same no matter who is assigned the property right.The Coase theorem is significant for two reasons: (1) it shows that under certain conditions the market can internalize externalities, and (2) it provides a benchmark for analyzing externality problems. 2. Pigou versus Coase—The text recounts the night when Coase successfully defended his idea that assigning property rights is a more efficient way of dealing with externalities than introducing taxes or subsidies. F.Beyond Internalizing: Setting Regulations A final way to deal with externalities, particularly negative externalities, is for government to apply regulations directly to the activity that gener ates the externality. For instance, if steel mills emit air pollutants through their smokestacks, the government may regulate smokestack emissions. Critics of the regulatory approach often complain that regulations, once instituted, are difficult to remove even if conditions warrant removal. Also, regulations are often applied across the board when circumstances dictate otherwise. Finally, regulation entails costs.