...International Research Journal of Finance and Economics ISSN 1450-2887 Issue 68 (2011) © EuroJournals Publishing, Inc. 2011 http://www.eurojournals.com/finance.htm Financial Performance Evaluation of Some Selected Jordanian Commercial Banks Ahmed Arif Almazari Department of Administrative Sciences- Finance Section, King Saud University E-mail: aalmazari@ksu.edu.sa; ahmadarif26@hotmail.com Abstract This study attempted basically to measure the financial performance of some selected Jordanian commercial banks for the period 2005-2009. It is evaluatory in nature, drawing sources of information from secondary data. The financial performance of banks is studied on the basis of financial variables and ratios. In this paper an attempt was made to analyze the financial performance of seven selected Jordanian commercial banks using simple regression in order to estimate the impact of independent variable represented by; the bank size, asset management, and operational efficiency on dependent variablefinancial performance represented by; return on assets and interest income size. It was found that banks with higher total deposits, credits, assets, and shareholders’ equity does not always mean that has better profitability performance. It was also found that there exists a positive correlation between financial performance and asset size, asset utilization and operational efficiency, which was also confirmed with regression analysis that financial performance is greatly influenced by these...
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...A FEASIBLE STUDY ANALYSIS REPORT OF LECAB EXECUTIVE SUMMARY: This report aims to provide a feasible study analysis on a company called LeCab- a French start-up business innovating in car transportation established in 2012. The report aims to analyse the market that LeCab is operating in including its competitors, customers, differentiation. From the market analysis it is seen that LeCab is facing tough competition in the UK market due to the fact that it has not established its name in the UK. The biggest competitor of LeCab in the UK market is Black Cab. In term of customers, the major customer group that often use taxis is the 18-29 age group. In addition to this, key concerns of consumers when using cabs are the knowledge of London of the taxi drivers, payment methods and awareness towards the environment. With regard to differentiation, it is seen that key differentiation of LeCab that makes it stands out to customers are elegance, awareness towards the environment and the community, which they use eco-friendly engines, taxi drivers, and comfort offered to customers. In term of its business model, LeCab only targets B2B customers and build direct relationships with customers through various means of communications such as FaceBook or LinkedIn. In order to introduce the service widely to reach target customers, LeCab has also worked in collaboration with a number of organisations across sectors from car providers such as Peugeot to newspapers such as The Times, The Economist...
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...| Specials Focus on Geely's purchase of Volvo (chinadaily.com.cn) Updated: 2010-03-29 17:09 Comments(0) PrintMail | | Large Medium Small | | Editor's Note: Zhejiang Geely Holding Group, China's No 10 automaker, sealed a deal on March 28 to buy ailing Swedish luxury car brand Volvo from US giant Ford for $1.8 billion. The deal is China's biggest overseas auto purchase, said analysts. Ford has been trying to sell Volvo since late 2008 to focus its resources on managing its core Ford, Lincoln and Mercury brands. The sale deal is expected to free up cash for the No 2 US automaker. Geely, an independent automaker that has struggled to raise its profile in overseas markets, has long coveted a stronger foothold in Europe. [Full Story] Upside for Geely | Chairman of Zhejiang Geely Holding Group Li Shufu hugs Ford's Chief Financial Officer Lewis Booth after signing the agreement on Sunday. [Xinhua] | Geely to get technology, brand recognition The acquisition will offer Geely, a producer with lower-end image, access to a high-end brand and technology it needs to compete with much bigger rivals in China. [Full Story] Volvo deal to help Geely's going-global ambition At a time when the world auto industry was experiencing huge difficulties caused by the global downturn, Geely's aim, as it said on the company website -- "let Geely cars go to the whole world", seemed very ambition. [Full Story] Li consummates his love of Volvo Firstly, buying Volvo will give...
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...Marketing Strategy MKT306 Assignment July 2010 University of Sunderland, UK Joey Kwan Lay Kuan Student ID: 089111572 Table of Content Assignment Questions 1 Abbreviations Report 1.0 Executive Summary 2 3 4 2.0 Terms of Reference 3.0 Corporate Objective 4.0 Situational Analysis 4.1 Industry Analysis 4.2 SWOT Analysis 4.3 Competitive Advantage and Core Competencies 5.0 Recommendations 5.1 Segmentation Targeting and Positioning 5.2 Marketing Objectives and Goals 5.3 Marketing Strategies and Programmes 5.3.1 Product 5.3.2 Pricing 5.3.3 Place 5.3.4 Promotion 6.0 Conclusion Reference Appendix 5 7 8 9 11 12 14 15 19 20 21 22 23 25 33 34 41 MKT306 Marketing Strategy Assignment Questions This is an individual assignment as a single report in two parts. 1. Investigation and analysis Choose an individual brand or product line from either the producer and/or brand owner, who are involved in the marketing of an oral hygiene product or products. Investigate and evaluate their marketing strategy using contemporary marketing tools and techniques however this may be illuminated using examples from other companies /organisations. You can demonstrate the effectiveness of the reported policies for the chosen company by giving performance data against competitors in the market (e.g. market share, sales, profitability, etc.). 2. Recommendations Your remit is to put forward your own suggestions covering changes in marketing strategy that will improve the future performance...
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...www.nitie.ac.in Volume 7 Issue 1 StreetAtNITIE In-Fin-NITIE ALSO INCLUDES: Bank Loan for Startups MSME Sector Development Global Turmoil and Indian Capital Market IN-FIN-NITIE Vol 7 Issue 1 IN-FIN-NITIE Vol 7 Issue 1 MESSAGE FROM THE CONVENOR Want to become an Investment Banker or a Financial Research Analyst Stop dreaming…Add the skill sets required to become one… IIQF is the pioneer of high-end finance education in India. It is an education initiative of top industry practitioners who have pioneered the most sophisticated financial technologies in India like Portfolio Risk Management Models and Systems and Algorithmic Trading Systems using High Performance Parallel Computing. “A mere 25% of graduates that India produces every year is actually employable. Even though India is poised to become the third largest economy in the world by 2050, out of all the graduates that pass out in an academic year, only 25% are suitable for getting inducted into the industry.” Jeffrey Fuller, Principal Advisor of Human Capital. There exists a huge gap between the skills that are required by the industry and what the Indian academic system produces. The objective of IIQF is to impart training to students in those skill-sets that are in demand in the industry and make them industry ready, or as we call them “The Street-Ready”. Certificate Program in Advanced Financial Modelling in Excel and VBA Certificate Program in Financial Modelling in Excel ...
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...refineries if there any hijacking or piracy happened. The involved culprits most probably are the tankers’ driver, deport operators and the transporters. One of the major customer of PHSB, Oilene Refineries Sdn Bhd (Oilene) was complaining to Datuk Najeed on the poor quality of CPO delivered by PHSB and it has caused them in big losses in their business as failed to fulfill the requirement of their customers. Oilene will not renew the contract if PHSB does not improve the situation in one month. Besides that, Datuk S. Najeed has reviewed the first quarter result of 2009 and noticed that the profits has dropped significantly compared to the same period of last year. If Oilene could not placated and, as a consequence, decide to leave their custom, PHSB would run into the trouble to return profits for the coming financial year. Datuk Najeed was very happy and insisted Rn.Rossly to investigate on these matters and report to him within one week with possible solutions. En.Rossly invited his university’s friend, Mukhiz Mohd who was from a management consultancy firm to assist on this. Problems: There are some problems happened in Palm Haul Sdn Bhd (PHSB) as below: 1) The clients of PHSB might not renew the contract with PHSB because of shortage of delivered of CPO and contamination of CPO with water of sludge. In facts, the tankers are loaded with the amounts stated in the delivery orders but, the shortages of...
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...3 Creative Business Ideas and Marketing Plan Uber: - Uber Technologies is an American International transportation company founded in the year 2009. As it’s a major creative business idea across the globe within a span of six years, uber entourage it’s services to 58 countries and 300 cities worldwide. Uber has set a trend for transportation and made several other companies to copy its business model and created business idea referred to as “Uberification”. Uber is now one of major trending creative business ideas in India to start with giving a drive across the major cities. As per CNN Money India is Uber's second biggest market after the US as the marketing plan it is going to pour one billion dollar into its market operations over the next...
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...refineries if there any hijacking or piracy happened. The involved culprits most probably are the tankers’ driver, deport operators and the transporters. One of the major customer of PHSB, Oilene Refineries Sdn Bhd (Oilene) was complaining to Datuk Najeed on the poor quality of CPO delivered by PHSB and it has caused them in big losses in their business as failed to fulfill the requirement of their customers. Oilene will not renew the contract if PHSB does not improve the situation in one month. Besides that, Datuk S. Najeed has reviewed the first quarter result of 2009 and noticed that the profits has dropped significantly compared to the same period of last year. If Oilene could not placated and, as a consequence, decide to leave their custom, PHSB would run into the trouble to return profits for the coming financial year. Datuk Najeed was very happy and insisted Rn.Rossly to investigate on these matters and report to him within one week with possible solutions. En.Rossly invited his university’s friend, Mukhiz Mohd who was from a management consultancy firm to assist on this. Problems: There are some problems happened in Palm Haul Sdn Bhd (PHSB) as below: 1) The clients of PHSB might not renew the contract with PHSB because of shortage of delivered of CPO and contamination of CPO with water of sludge. In facts, the tankers are loaded with the amounts stated in the delivery orders...
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...make cities more accessible, opening up more possibilities for riders and more business for drivers. From our founding in 2009 to our launches in hundreds of cities today, Uber’s rapidly expanding global presence continues to bring people and their cities closer. — From the Uber website, November 2015 In late 2015, Uber was among the most high-profile new companies of its generation. Founded just six years ago, the company connected passengers to drivers at an unprecedented scale, using point-topoint software enabled by smartphone technology. Customers raved about Uber’s reliability and convenience. The breathtaking efficiency of its value proposition had fueled astonishing growth: It was now said to be booking 2 million1 rides a day, and although it did not report revenues as a private company, analysts estimated Uber’s net commission from drivers would come in between $1.5 billion and $2 billion2 in 2015. But if there was an adage about disruptive technology companies—”move fast and break things”— few companies embodied this adage better than Uber. Not only did the company endure frequent customer criticisms about its surge pricing policy, Uber was constantly battling government regulators, taxi companies, and critics who charged that they were playing fast and loose with the legal system. Barry Korengold, President of the San Francisco Cab Drivers Association, described Uber this way: “I think of them as robber barons. They started off by operating illegally,...
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...The motorist contributes to the revenue of South African (SA) by paying the following fees and taxes, annual motor licence fees, CO2 emission tax, the fuel levy (fuel tax) and toll fees when using various roads in the country. Revenue from fines are also payable when motorists are guilty of contravening the National Traffic Regulations e.g. exceeding the legal speed limit on public or national roads and carrying loads exceeding the legal carrying capacity of a vehicle. Revenue from motor vehicle licence fees A Motor vehicle licence fee is payable annually. The cost is determined by the category of the vehicle. This ranges from motorcycles to heavy passenger and goods vehicles. The category of a vehicle is based on the number of axles, and their load carry capacity. The National Road Traffic Act (NRTA) defines the category of vehicle, (Ministry of Transport, 1996). Funds generated from licence fees form a direct revenue stream to the National Treasury. This contributes to the gross annual income of the country. According to the Road Traffic Monitoring Corporation (RTMC), as of December 2010, there are 9 829 400 registered vehicles on the South Africa roads. This increase by 2,52 per cent from December 2009, with significant contributions of increase in the motorcar and bus categories and a notably decrease in the number of motorcycles. The highest per cent of motor vehicles are in Gauteng and Western Cape Province respectively. Attached are the data table and graph illustrating...
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...“Literature Review” IMPACT OF AUTOMOBILE ON THE ECONOMY: Mr. Zahoor Sheikh Sarwar (CASE), Mr. Azam Ishaque, (CASE), Mr. Nadeem Ehsan, (Center For Advance Studies in Engineering), Mr. Danial Saeed Pirzada, (Center For Advanced Studies in Engineering), and Mr. Zafar Moeen Nasir, (CASE) in their report published in International Journal of Productivity and Performance Management, has Identified that automobile sector has huge economic potential and the Study identified the prevalent condition of productivity in automotive Manufacturing industry of Pakistan and indicated the possible areas for Enhancing productivity. The findings of this research have revealed that Effective utilization of role of technology can enhance the productivity of Pakistani manufacturing firms drastically. Pakistan Auto Industry Development Program (AIDP-2006), an study conducted by Ministry of Industries and Production, Government of Pakistan states that the Pakistan Auto Industry has become a leading industrial sector to steer the growth in large scale manufacturing sector. The high economic and job multiplier effect of this industry and its deep forward and backward linkages in allied industries, make the auto industry a key player in the national economy. the world which manufacture all kinds of vehicles i.e. 2/3 wheelers, motorcars, LCVs, tractors, prime-movers & trucks and buses. The total country requirements are generally met from the local production except...
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...Phase 1 Report: Strategic Position Analysis Industry Nintendo of America Organisation Name Organisation Contact Name www.nintendo.com Website URL Email Address 4820 150th Ave. Northeast Address Redmond City WA State / Province 98052 Zip / Postal Code Individual Organisation Type Video Gaming Industry UNITED STATES Country Nintendo of America Inc., established in 1980, is a subsidiary of Nintendo Co. of Japan. They have been the worldwide leader in the creation of interactive entertainment; they have sold more than a billion video games to the world (Nintendo 2010). In 2006, Nintendo created the revolutionary video game console “The Wii". The Wii was designed to attract larger demographic users than other gaming systems. It was, and still, very successful; attracted many people from different ages and it resulted in huge profits since it was created. Unfortunately, recently attitude of consumers and environment has been changing unfavourably for the Nintendo. This analysis is to reveal the key successful factors that made Nintendo a leader in its industry, touch the weak points or mistakes it has done and recommend some strategies to keep Nintendo a leading player. Organisation Background : : : : : : : : : : : : : Organisation Profile 1.1. External Analysis 1.1.1. Pest Analysis In terms of external analysis, it is critical to assess whether the contextual economic, social, technological, ecological...
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...companies are bound to compensate the refineries for such losses. The culprits involved frequently tanker drivers, depot operators and transporters. One of the major customer of PHSB, Oilene Refineries (Oilene) complaint about the quality of the CPO delivered by PHSB and its later impact on Oilene’s failure to fulfil their customer orders. This is because of the practice of siphoning CPO and adulterating the consignment with water, used oil or sludge was so uncontrolled that a number of PHSB’s customers have threatened to change their custom to other more reliable transport companies. Besides that, profits for the first quarter of 2009 had drastically decrease compared to the same period on the previous year due to the high compensation expenses and maintenance cost. These matters worried Datuk Najeed whom then insisted En. Rossly inspect the matters and report to him within one week with possible solutions. En. Rossly then asked his university friend, Mukhriz Mohd, a management consultant to assist him with Datuk Najeed’s task. SOLUTIONS OF THE CASE If you were in...
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...7 Balance of Payments 7.1 Global Economic Review The global economy was facing two major threats at the start of FY13: the possible demise of the Euro, and a big fiscal contraction in the US, caused by the ‘fiscal cliff’.1 However, timely policy actions were taken to address these issues. In the EU, for instance, Outright Monetary Transactions (OMTs) were launched to lower the long-term yields on sovereign bonds; there was a restructuring deal of Greek public debt; and the agreement on Single Supervisory Mechanism (SSM) was reached, to help restore confidence in the viability of the European Union.2 Similarly in the US, a partial extension of Bush tax cuts was given under the American Taxpayer Relief Act 2012 (ATRA), to eliminate the revenue side of the fiscal cliff.3 Although these policy measures were able to restore some business confidence, these were, nonetheless, insufficient to pace up the economic recovery (Figure 7.1). In the EU, growth was constrained by fiscal consolidation; deleveraging; and tight credit conditions to repair balance sheets by financial institutions and households. In the US, growth remained lackluster throughout 2012 and early 2013, despite a pick-up in credit and housing following the launch of the third round of quantitative easing (QE3) in September 2012.4 Figure 7.1: Global GDP Growth World Emerging economies 8 6 percent Advanced economies 4 2 0 2011Q1 2011Q2 2011Q3 2011Q4 2012Q1 2012Q2 2012Q3 2012Q4 2013Q1 Source: World Economic...
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...Milliman White Paper Employee benefits in India: An introduction Ravi Shekhar, CFA, (ICFAI), APA India is a unique conundrum. With employment opportunities galore and an open war for talent, employers are trying to find innovative ways to win over the 60% of the population that is under the age of 25. Indian companies historically have provided employee benefits such as health coverage, leave benefits and statutory retirement programmes. These were provided by old economy sectors dominated by manufacturing firms, engineering companies, government-owned enterprises and others. They were targeted towards a generation who believed and adhered to the concept of lifelong employment. However, as the economy grew, people became mobile and new employment avenues opened. HR managers started developing newer employee benefits to attract and retain employees. A few of the employee benefits that are commonly offered in India are listed below:1 1. Retirement programmes a. Employees’ Provident Fund – A statutory, hybrid, interest guarantee retirement plan administered and supervised by a government entity called the Employees’ Provident Fund Organization (EPFO). The defined contribution portion of the plan allows for employee and employer contributions. Employees contribute up to 12% of basic salary with an option of paying an additional 12% contribution. Employers also pay 12% of basic salary, out of which 8.33% is used to fund the pension portion of the...
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