Question: Please help me these questions with clear explaination and example: 1.Financial Markets Authority (FMA) a) Why is there an increasing regulatory emphasis on the conduct

Please help me these questions with clear explaination and example:

1.Financial Markets Authority (FMA)

a) Why is there an increasing regulatory emphasis on the conduct of Financial Institutions?

b) What can the FMA do to improve the conduct of Financial Institutions?

2.Capital adequacy

a) What are the key characteristics of bank capital?

b) Why do banks hold capital well in excess of the minimum regulatory requirements?

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