Australia and New Zealand banking and finance tenders

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A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Because banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalised a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. Finance is a term for the management, creation, and study of money and investments. Specifically, it deals with the questions of how an individual, company or government acquires money – called capital in the context of a business – and how they spend or invest that money. Finance is then often divided into the following broad categories: personal finance, corporate finance, and public finance.

Australia and New Zealand are the only highly developed independent nations in the region, although the economy of Australia is by far the largest and most dominant economy in the region and one of the largest in the world. New Caledonia, Hawaii and French Polynesia are highly developed too but are not sovereign states. Australia's per-capita GDP is higher than that of the UK, Canada, Germany, and France in terms of purchasing power parity. New Zealand is also one of the most globalised economies and depends greatly on international trade. The majority of people living in Australia work in the health care, retail and education sectors. Australia boasts the largest amount of manufacturing in the region, producing cars, electrical equipment, machinery and clothes. Countries of Australia and New Zealand region are Australia, Papua New Guinea, New Zealand, Fiji, Solomon Islands, Micronesia, Vanuatu, Samoa, Kiribati, Tonga, Marshall Islands, Palau, Tuvalu, Nauru.