...PAMANTASAN NG LUNGSOD NG MAYNILA (University of the City of Manila) Gen. Luna St., Intramuros, Manila A Case Study on PNB- ALLIED BANK MERGING Submitted to the Faculty of Graduate School of Management Pamantasan ng Lungsod ng Maynila In Partial Requirement for the subject Financial Management 2 Submitted to: Dr. Josefina Dalandan Submitted by: Bernadeth R. Alagao Eron T. Pabalan Rona C. Lalusin GSM-MBA EXECUTIVE SUMMARY PNB COMPANY PROFILE • Established as a government-owned banking institution on July 22, 1916 with headquarters in the old Masonic Temple along Escolta, Manila, the then "Wall Street of the Philippines" in the bustling district of Sta. Cruz in Manila. • Primary mandate was to provide financial services to Philippine industry and agriculture and support the government's economic development effort. • "The First Universal Bank in the country" • On July 24, 1916, PNB established its first branch in Iloilo. • In 1917, PNB marked its entry in the field of international banking when it opened its New York Branch. The following year, it established five more domestic branches and another overseas branch in Shanghai, China. • "PNB launched the first on-line Electronic Data Processing System in the entire Far East" • In 1963, it established the National Investment and Development Corporation to engage primarily in long-term and equity financing of business...
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...Design Elements: Set it Off ENG 225 Design Elements: Set it Off From the beginning films have helped pinpoint different elements of design. Through these elements, both film critics and viewers have been able to identify with what the director is trying to convey. According to this week’s assignment, we are to choose a scene from movieclips.com and in a three to five page paper, analyze the mise-en-scène through the elements of design. This leads me to my chosen film, Set it Off. This movie is formed around an extreme bank robbery in which reveals the dwells upon the lives of four women. This film takes place the streets of Southern California and helps give inside as to how these women do any and everything just to get by and make it on their own. Because tragedy and poverty strikes the women’s’ lives, they matters into their own hands and turn to robbing banks to make an escape from the city and lifestyle they have been surrounded by for years. The key actors in Set it Off are the following: Queen Latifah played as Cleopatra Sims (Cleo), Vivica Fox played as Francesca Sutton (Frankie), Jada Pinkett played as Lida Newsom (Stony), and Kimberly Elise played as Tisean Williams (T.T). These four childhood friends felt that the series of unfortunate events that have constantly occurred in their lives were just enough to push them over the edge and into the world of bank robbery (Polluck & Gray, 1996). This story is set to touch those who have been...
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...products by faulty services cause failure costs. * Internal failures are failures that are discovered during the production process or prior to the customer ever coming into contact with the product. There are many reasons the internal failures can occur including defective materials, incorrect methods or processing, or faulty equipment. * External failures are failures that are discovered after the customer has the product. This type of failure becomes very costly to the company due to increase costs of warranty work, liability, payments to customers, providing the customer with a replacement unit, and the costs of handling customer complaints. The three types of costs are not independent from each other. There is a trade-off relationship between the costs. For example an increase in prevention and appraisal costs results in an...
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...This is best with little waste or expense. c. Equality: distributing economic prosperity equally among everyone. d. Opportunity Cost: something that must be given up to get something else. e. Marginal Change: a small adjustment to a plan. f. Externality: the impact of one person’s actions on someone else. g. Productivity: The amount of goods or services produced. h. Incentives: Something that controls how a person will act. i. Property Rights: The ability of someone to own scarce items. 2. i. Inflation is the increase in the prices in the economy. The cause of inflation is the Government prints too much money, therefore there is a lot more money out there so prices rise. ii. The short-term trade-off between inflation and unemployment is the government spends more money (stimulus) which increases the demand for goods and services. The higher demand makes businesses raise their prices, but it also makes them hire more workers to help with the demand. The more people that are hired, the lower unemployment percentages. 3. Absolute advantage is when one company produces a good using less inputs than another company. Comparative advantage is when one company can produce a product with a lower opportunity cost that the other company. 4. Comparative advantage is more important for trade. It takes in both the idea of time and if it makes sense for that person to make a good when they can make something...
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...PASSING OFF – a common law Definition: Perry v Truefitt: Lord Langdale: a man is not to sell his own goods under the pretence that they are goods of another man; he cannot be permitted to practice such a deception, nor to use the means which contribute to the end. He cannot therefore to use names, marks, letters or other indicia by which may induces others to believe, the goods are manufacture by another. Erven Warninch v Townend: Lord Diplock: 5 characteristics: 1) misrepresentation 2) made by a trader in the course of trade 3) to prospective customers of his or ultimate consumer of goods or services supplied by him 4) which may injure the business or goodwill of another 5) cause actual damage to a business or goodwill of the trade Lord Fraser; 5 characteristic 1) In England, particular trade name applies 2) Class of goods clearly defined, trade name distinguish from other similar goods 3) Reputation lead to goodwill 4) Claimant must be owner of the goodwill 5) Suffered substantial damage, to his goodwill, because of the falsely described by the trade name of the defendant. Reckitt & Colman v Borden (Jif lemon): Lord Oliver Classic Trinity: * Claimant has reputation which lead to goodwill, * Defendant made a misrepresentation that is likely to deceive the public, * By inducing confusion, damages REPUTATION :who, trading, where,what Goodwill: definition: IRC v Muller: Lord Macnaghten: Goodwill...
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...Final Paper Off-Roading Off –Roading All Terrain Vehicles are the most exhilarating feeling in the world. Off-Roading is the recreation of riding or driving a vehicle on unsurfaced roads or tracks, which are made of materials such as sand, gravel, riverbeds, mud, snow, rocks, and other natural terrain. There all types of all terrain vehicles such as dirt bikes, ATV’s (which is quads), dune buggies, and trucks (such as Jeep’s) which all participate in different types of events or journeys. In this research paper I am going to be covering the aspects of where people can go to explore these exciting events and or journeys. Next I will be explaining how dangerous these adventures can be. Finally I will be covering how expensive these hobbies and or careers can be actually cost to participate. My first area of research I will cover where enthusiast can have an off-roading experience. All terrain vehicles can be ridden indoors and most commonly outdoors. Indoor off-roading, usually consists of events such as constructed racetracks for racing, and all so to give organizations that sponsor these events, climate controlled competitions. An example of an indoor event would be is “West Virginia’s Indoor Motocross Championship” (actionsportracing.com). “The Huntington arenacross plays host to hundreds of local mini and amateur riders along with professional riders from the Tri State area and all over the country. Thousands of loyal motorcycle...
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...where the renewable energy industry may be headed in the near future and what drives people to make this drastic life change. Sustainable Living: Why? Introduction This is a qualitative study on the individual and group reasoning behind a drastic lifestyle change that seems to be growing in popularity around the word. Unbiased data will be collected via different forms of methodology in order to discover the thought process and driving force behind this subtle, but dedicated movement to live “off-grid”. Ethnography will be one source of data collection as well as different informal interviews and market analyses. I will present the data collected in this study in such a way, that it may be used for future research to assist in discovering where the residential renewable energy market may be headed in the near future. Literature Review “Living Off the Grid a Simple Guide to Creating and Maintaining a Self-Reliant Supply of Energy, Water, Shelter, and More”: Defines living off grid as a degree of self-sufficiency with minimal reliance on public utilities. Focuses on energy, water, and waste as the three traditional basics and uses suggestions for conservation, shelter, energy, water, waste, and grid “piggybacking”. Some of...
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...December 2, 2015 Task 1 The small local grocery story Q is more economically responsible than it is environmental or philanthropic. The economic model is a more traditional concept of business, very old school. A business is considered successful if they are providing good service and quality product showing a profit and providing jobs. Company Q is more concerned with what is best for the company, not necessarily what is best for their community, customers or stakeholders. The two stores they closed were in high crime rate areas and lost revenue and profits were low. The remaining stores are now offering a narrow choice of health conscious and organic foods; which are high margin items. Management declined to donate day old merchandise to a local food pantry because they feared loss of revenues due to fraud or theft by employees. Company Q is not creating a positive impact in their community, with their customer, employees or stakeholders through their lack of philanthropic actions. Ethically, Company Q has not done anything wrong by not giving to the food pantry or closing two of its stores, it just reflects poorly on them as a company. Company Q needs to improve their reputation by making changes to their social economic approach to social responsibility. This type of approach would focus not only on profits, but also focus on the benefits of the business to society. Company Q can make these improvements in three parts; customer fulfillment, public outreach...
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...Acct 202-01 ETHICS: BUSINESS AND MANAGERIAL 1. List the relevant facts. -Janice is a highly paid top executive in charge of research and development. -John is her underpaid assistant that always has more than adequate evaluations, but is still underpaid -John designed a software package that addresses major concerns in the company and shares it With Janice in hopes of receiving a promotion or raise. -Janice’s boss asked her to design a sotware package but she hasn’t had time because of the pressure from work -Janice is thinking about passing off John’s program as her own. 2. Who are the primary stakeholders(people that might be affected by this situation)? Name atleast 3. -One primary stakeholder would be Janice, the top executive -A second primary stakeholder would be John, the underpaid assistant and his family -A third primary stakeholder would be Janice’s boss -The company itself may also be affected by this situation 3. What are the possible alternatives for Janice? Provide atleast 2. -One alternative for Janice would be to talk to John about presenting the software package program to Janice s boss together so that John gets most of the credit and some recognition from Janice’s boss -A second alternative would be for Janice and John to get together and look at the software package and maybe have Janice put in her input as well, possibly making the package...
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...1. Do you think there is a trade-off between the positive (high performance) and negative (increased stress) effects of stretch goals? Setting goals is part of organizational life and a powerful way to keep employees aligned and clear about expectations. But how tough should the goals be? How high should you set the bar? Some leaders like to set goals at a low to moderate level, based on the concept that they want everyone to be successful. They believe that success increases employee motivation and satisfaction. A second approach is to set the goals fairly high, expecting that a good portion of the employees will achieve them, but everyone has to work pretty hard to be successful. The third approach is to make the goals so high that only the very best performers might attain them, but not too often. This is based on the premise that if you set the bar really high then everyone will work their hardest to go as far as they can. However, stretch goals can have a tradeoff between the positive and negative effects. On the positive side, it can increase high work performance since it enables employees to reach their fullest potential. Sometimes employees find stretch goals very motivating and make it a challenge to attain it, because managers generally attach incentives such as recognition and other forms of rewards for attaining these goals. Nevertheless, stretch goals also have negative effects and this is the stress that employees go through when unrealistic goals are set by...
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...Recommendation: My recommended solution is for La Hacienda Del Sol (LHDS) to target the Mexicali residents from the age of 15 to 24 with annual household income of greater that $16 012 that are looking to have a change of climate and enjoy a vacation. This issue will address LHDS’s problem of the lower amounts of occupancy and revenue during the off-season, as currently LHDS relies on sales made during the peak season to carry its business over the rest of the year. LHDS should offer their rooms from the following range, to both the Mexican and American consumers in order to not discriminate prices as this may make other the Americans angry. In Exhibit 1 a detailed analysis of current and potential hotel guests can be seen. Based on this this analysis in order to increase occupancy rates in the offseason the hotel have promotions for Mexicali Residents or For Residents in Los Anglos or San Diego. An analysis of these two segments can be seen in Exhibit 2. This target market was chosen on a geographic, demographic, and benefits bases. Mexicali is only 124 miles from San Filipe and therefore is a drivable distances for these residents. The hotel has previously catered mainly to families and offers amenities and activities that can be enjoyed by a group of people. Also the hotel has rooms that can be occupied by 2 to 4 people. For these aforementioned reasons demographically the hotel should segment those between residents between the ages of 25 to 54 because, individuals between...
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...further explanation to provide greater accuracy within the analysis. The two main areas for development within the question are the terms strategic and tactical. Strategic can be defined as 'relating to the gaining of overall or long-term military advantage'1 Tactical on the other hand can be defined as 'relating to or constituting actions carefully planned to gain a specific military end.'2 The Allied invasion of Sicily, codenamed OP HUSKY, was one of the major campaigns and naval landings of World War II. It began on the night of 9th - 10th July 1943 and was a combination of a large scale amphibious and fairborne operation proceeded by a six weeks of inland combat. The first strategic lesson that can be learnt is the need for co-ordination and integration of all arms and services into the initial planning phase and also during the execution of any operation, a key example of evidence to support this is during OP FUSTAIN. OP FUSTAIN was a mission to capture the Primosole bridge over the Simeto river. This bridge was vital ground for both the German/ Sicilian forces and the allied troops. It was the one major crossing point that would allow for the movement of...
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...Cariveau, Ph.D. Division Chair email and phone: MCariveau@moc.edu; 919-658-7680 Course Description (4 sh): This course is directed toward providing pre-clinical concepts for nursing and other allied health professional students that includes a study of body organization, cytology, and histology, acid/base and fluid/electrolyte balance and all body systems including Integumentary, skeletal, muscular, nervous, gastrointestinal, endocrine, reproductive, blood, lymphatic, cardiovascular, respiratory and renal. Basic principles of pathophysiology and pharmacology will be introduced. Demonstration and hands-on laboratory activities will be based on concepts of clinical physical assessment. Required Text: Essentials of Human Anatomy and Physiology, 10th Edition, E. N. Marieb Student Learning Outcomes (stated in objective, measurable terms. What will students know or be able to do when they complete the course?) Student Learning Outcomes Upon successful completion of this course, students should be able to: Means of Assessment This outcome will be indicated by successful: 1. Understand the structure of the human body and it functions as it relates to nursing and other allied health professions. 2. Discuss the physiology of the major organ systems and how they relate to nursing and other allied health professions 3. Understand how these organ systems interact with one another and respond to various external and internal stimuli 4. Develop critical thinking skills relevant to the study...
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...Career path I am currently studying at Tresham College studying health and social care level 3. The entry requirement where the following A minimum of 4 GCSEs at C or above including English, maths and science OR an Intermediate Diploma (Level 2) in Health and Social Care at merit grade or above with a good reference OR a relevant Level 2 vocational qualification. I managed to get on this course as I done level 2 health and social care and gained a merit on this course. Mental health nursing Mental health nursing is often complex, demanding and very rewarding. As many as one in three people are thought to suffer some form of mental health problem. However, dealing with the human mind and behaviour is not an exact science. Therapeutic relationships Mental ill health is often brought on by a crisis in life such as depression after the death of a partner. However, depression is just one of the ranges of conditions that come under the heading of mental ill health. There are also neuroses, psychoses, psychological and personality disorders. Therapeutic relationships between the mental health nurse, those with mental ill health, and their families are critical to successful mental health nursing. Helping people back to mental health is also every bit as valuable and satisfying as caring for those with a physical illness. Core qualities and skills Your main tool as a mental health nurse will be the strength of your own personality and communication skills. You will need to...
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...to do a lot of work outside of classes. In fact, students spend more time in books at home than in classes. Every day, I face a choice in whether I should study or do my leisure activities. As I look at those two options, I make a decision using simple decision rules. If I choose to do my homework and keep myself up to date in my courses, then I will probably have better grades at the exams and quizzes, but I won’t really like my evening and go to bed bored. However, if I occupy my time to my leisure activity, I’ll have a better evening, whether I go out with my friends or I pass some time watching sports on TV, but I’ll start being late in my courses and it will be hard to make up for all the time I wasted. To conclude, this trade-off is decided more by what I want now, versus what I later. Hence, I will often choose to study and make my homework, but still give myself a little brake once in a while. ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- ------------------------------------------------- -------------------------------------------------...
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