CHAPTER ONE 1. O INTRODUCTION Loans are a dominant asset in most banks that generate largest share of operating income and represents banks greatest risk exposure. Overtime, increased competition among commercial banks, credit unions, finance companies and the investment banks have led to changes in lending policies and the loan portfolios. Extending loans to businesses and to individuals involves taking risks to earn high investment returns which are the loan interest rate, fee income and investment
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Insurance Industry – Road Ahead Path for sustainable growth momentum and increasing profitability kpmg.com/in Foreword The Insurance industry in India has undergone transformational changes over the last 12 years. Liberalization has led to the entry of the largest insurance companies in the world, who have taken a strategic view on India being one of the top priority emerging markets. The industry has witnessed phases of rapid growth along with spans of growth moderation, intensifying competition
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Financial Analysis, Apple Inc. For the fiscal year ended September 24, 2011 By Michael Sarkis 04/12/2012 Table of Contents Abstract 3 Background 3 Stock Performance 5 Ratio Calculations & Interpretations 6 Liquidity Ratios 6 I. Current Ratio 6 II. Quick Ratio 7 Asset Management Ratios 7 I. Inventory Turnover 7 II. Total Asset Turnover 8 Financial Leverage Management Ratios 8 Profitability Ratios 9 I. Gross Profit Margin Ratio 9 II. Net Profit
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Organizational Development Q1. Define OD and enlist its important characteristics. Ans. The literature contains several definitions of OD, to quote a few: • OD is a response to change, a complex educational strategy intended to change the beliefs, attitudes, values and structure of organization so they can better adopt new technologies, markets and challenges, and the dizzying rate of change itself ( Bennis, 1969). • OD is planned process of change in an organization’s
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ch03.qxd 9/27/04 4:06 PM Page 86 CHAPTER Q1 Q2 Q3 Q4 Q5 Q6 Cost-Volume-Profit Analysis In Brief Managers need to estimate future revenues, costs, and profits to help them plan and monitor operations. They use cost-volume-profit (CVP) analysis to identify the levels of operating activity needed to avoid losses, achieve targeted profits, plan future operations, and monitor organizational performance. Managers also analyze operational risk as they choose an appropriate cost structure. This Chapter
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internal process measures are the least common ones with customer and learning ranging somewhere in between. Our study implies that the idea of standardization beyond financial measures is based on three performance measures characteristics: 1) reliance on data already available, 2) easy benchmarking, and 3) possibility of being audited by third parties. We advanced implications for managers and for future research on the information generated in the BSC. 1. INTRODUCTION. This paper has
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product itself, price, | |packaging, etc. While in case of service brands, the tangibles include the customers’ experience. The intangibles include emotional connections with the product / service. | |Branding is assembling of various marketing mix medium into a whole so as to give you an identity. It is nothing but capturing your customers mind with your brand name. It | |gives an image of an experienced, huge and reliable business.
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Introduction Currently, the share of railways in carrying this load is around 70 per cent, followed by 25 per cent for pipelines and 5 per cent for roads. Railways and roads are inefficient modes of carrying petroleum products because they consume significantly more energy (320 BTU for railways and 1700 BTU for roads to move one tonne of petroleum products over one km) than pipelines for which the comparable figure is only 50-135 BTU. Clearly, pipeline transportation is the most efficient way
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PEARSON BETEC – LEVEL-5 HIGHER NATIONAL DIPLOMA IN BUSINESS – MANAGEMENT/ HUMAN RESOURCE MANGMENT (organisations and behavior) On (Unit 03 & organization and behavior)
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India. So, where Pessoa’s claim was restricted only to poetry or prose at the most, Cadbury and Nestle have proved in practical that chocolates are the most inevitable indulgence of all times. In the realm of advertising, the business of chocolate marketing stands at a figure of Rs.145 crore. And with that kind of money, the space becomes all the more interesting to watch out for, more so for the marketers. If we continue to let the numbers do the talking for sometime, we will get to know some dark
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