Defining Key Ratios: http://www.equitymaster.com/detail.asp?date=01/05/2010&story=3&title=Investing-Back-to-basics-XXI * Net interest margin (NIM) * Operating profit margin (OPM) * Cost to income ratio * Other income to total income ratio Net interest margin (NIM): Just as we calculate and measure performances of non-financial companies on the basis of their operating performance (EBITDA margins)‚ the performance of banks is largely dependent on the NIM for the year. The difference
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economy. Banking today is widespread and an important part of the exchange of good‚ services and wealth in most economies. However the key activities of banks have changed very little during history. They act as financial intermediaries: “acting as a repository for the savings of those who have surplus funds and as a source of funds for those who want to borrow” (New Zealand Bankers ’ Association‚ 2006). This is a very simple explanation but does not adequately explain reasons why individuals would
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Is Height the Key to Success? Ho Io Weng‚ Peta May 3‚ 2010 Abstract Over the years‚ many researchers have tried to make a connection between some of society’s most respected people. The link they agreed upon was their height. The result raised a lot of controversy. Tall people refused to admit that it was their height that gave them a boost up the career chart‚ and shorter ones refused to accept that they would need to work twice as much to get the same results. Researchers not only claimed
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Ronnell Parker Colorado Tech University MKT 350- 1302B Prof. Jarrell Research Profile Proposal May 27‚ 2013 Abstract In a researched proposal‚ it addresses a particular project academic or scientific research. A research proposal contains extensive literature reviews and must offer convincing support of need for the research being proposed. Thus‚ this why a proposal is written‚ it is a scheme from a sellers to a prospective customer. Overall the main purpose is to fulfill the requirements
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What is Economic Prosperity? The text points to 12 keys that ultimately lead to economic prosperity‚ or progress. The 12 keys are human ingenuity‚ private ownership‚ gains from trade‚ invisible hand principle‚ profits and losses‚ competition‚ entrepreneurship‚ link between productivity and earnings‚ innovation and the capital market‚ price stability‚ international trade‚ and government and the environment for prosperity. Each of the 12 keys will be identified and discussed throughout this paper
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The word nigga comes from the Latin word niger which simply means black. The word niger was then changed to negro and integrated into two other languages‚ Spanish which kept the pure meaning of the word as “black”‚ and English which perverted the meaning into “black person”. However‚ by about the 1800s most white Americans had adopted the word as a derogatory racial slur to describe black African American slaves and yet again changed it into a new form of the word. They transformed the word negro
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Four Letter Word It is the one noun in the world every single person knows of‚ but no one seems to be able to precisely put his or her finger on exactly what it is. This is because to each person it is unique. It has been defined by words but there is so much more to it than just words. This one thing is known as love. There are three common understandings: the love between life partners‚ the love between family members‚ and the love between friends. It is funny that no one really knows exactly
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New Home‚ New Life At a young age growing up and being on my own was all I dreamed of until that day arrived. Growing up and moving away‚ I thought I had reached the ultimate marking point in my life. In reality it was just the beginning to the life I controlled. My emotions were rolling in realization that freedom was soon going to be in my grasp as I packed up my room ‚ started the route to my future‚ and began the slow process of settling into my new home which was the most exciting and frightening
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quite familiar to us‚ and we all acknowledge that we are in the era of globalization. However‚ globalization itself is a very wide‚ abstract‚ and at times even contradictory concept. Therefore‚ in this essay‚ my discussion will only focus on one of the key concepts of globalization‚ interconnectedness‚ which is the most important feature in the process of globalization. Thomas Eriksen‚ in his book‚ explains that interconnectedness is a result of globalization. Most of the world is becoming more interconnected
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types of indirect tests. They can be grouped in three categories: visual word priming‚ auditory word priming‚ and visual object priming. Stem completion‚ fragment completion‚ word identification and lexical decision paradigms have been used to investigate visual word priming. In word stem completion task‚ participants are given the first letters of the critical word (e.g. let__) and are asked to complete the stem with the first word that comes to mind (e.g. lettuce). Participants who are using their
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