Importance Of Evaluating Bank Performance A Special Kind...

1.1 The importance of evaluating bank performance As a special kind of type of enterprise, the business goal of bank is to maximize the value of the shareholders. In the process of operate, what does the financial indicators behavior? How to profit? Whether the risk is moderate or not? All these questions are related to the bank performance. Therefore, it is important for bank to evaluate the performance so they can make adjustments to operate the risk control and sustainable profitability. According to Rengasamy (2012), the word Performance means that the execution or achievement, or perform specific activities, or fulfill the obligations. Therefore, Bank performance can be defined as a bank take use of resources to achieve its goals. In addition, the performance of the bank also implicate that employ a series of indicators to reflect the status of the bank and in a way to reflect the bank s ability to achieve the desired objectives. As a significant component of the modern economy, the efficiency of the banking is especially important. In order to ensure the health of the financial system and the efficiency of economy, we must make a careful assessment and analysis of the banks (Rengasamy 2012). Rengasamy (2012) also said that although banks help enterprise organizations by providing a wide range of products and services, products and services are more or less identical from one bank to another, and there is a small range to distinguish them from each other.Show MoreRelatedThe Usefulness Of Study Of Bank Cost And Efficiency7640 Words   |  31 PagesComment on the usefulness of study of bank cost and efficiency in evaluating bank performance. Introduction From the very beginning of the bank history, we already know that the main operation of bank is to take loan and to make deposit. Since the first bank established in 12th century, bank is no more a simple institution where we exchange money but an agency considered to be speculative and hopeful. There is no doubt that the prosperity in modern society benefits a lot from the development ofRead MoreTraining and Development Project / Reserch Report16747 Words   |  67 Pagesresearch methodology, and importance of the study, limitations and chapter outlines. 1.1 Research topic Training and development Training and Development is a vital function of Human Resource Management. Training and Development act as the core factor which deals with maintaining and improving efficiency and effectiveness of the human resources at work in the organization. It is concerned with enhancing individual employee job performances as well as collective / group performances. Thus it will assistRead MoreFinancial Performance Analysis of Sonali Bank Limited11974 Words   |  48 PagesFinancial Performance Analysis of Sonali Bank Limited Executive Summary Commercial Banks are one of the key contributors to the economy of Bangladesh. As a commercial bank, how much Sonali Bank Limited contributing the people of Bangladesh in case of forming capital, lending funds, collecting remittances from aboard, controlling default loan and banking services encourages us to study its financial activities and performance. It is the largest commercial bank which was established in 1972 with theRead MoreTerm Paper on Islami Bank Limited17265 Words   |  70 PagesCHAPTER-ONE INTRODUCTION 1.0 Background of the Study Islami Bank Bangladesh Limited (IBBL) is the first of its kind in the South East Asia which was established in 1983 with a view to provide banking services based on Islamic principles. The bank, which started its operation with only 3 branches in the first year of its inception, has now 207 branches in 26 years of operation. As a bank, Islami Bank Bangladesh Limited receives deposits from its customers from all over the countryRead MoreHe Impact of Todays Technology on Banking6133 Words   |  25 PagesI am greatly honored to be here as Chairman of the Basel Committee on Banking Supervision. I’d like to begin by thanking the Swiss National Bank, Kurt Hauri and the Swiss Federal Banking Commission, and Andrew Crockett and the BIS for organizing and hosting this important conference. They’ve done a wonderful job, for which I know we’re all very grateful. It is also a great pleasure to be with you under such dramatically different circumstances than when we last gathered together. Just two yearsRead MoreHigher National Diploma6446 Words   |  26 Pagesaware, finance is the lifeblood of business or it can be said as the most important part of all the business enterprises. To understand finance, you need to know the entire business indeed. Finance can be used for various reasons like expanding the business, investing and purchasing fixed assets like land and building, machinery so on. In order to survive in this competitive world every organisation need to have a good strength of finance available to their business or else they wont be able to surviveRead MoreLoan Disbursement and Recovery System of Ific Bank Limited18002 Words   |  73 PagesFinance Investment and Commerce Bank Limited† Internship Report â€Å"Loan Disbursement and Recovery System of International Finance Investment and Commerce Bank Limited† Submitted to: Md. Shajul Islam Assistant Professor Department of Business Administration Stamford University Bangladesh Submitted by: Md. Razib Ahamed ID No: BBA 03712192 An internship report submitted in partial fulfillment of the requirement for the Degree of Bachelor of Business Administration Read Moreâ€Å"Evaluation of Credit Assessment Risk Grading Management of Dutch Bangla Bank Ltd.†8981 Words   |  36 Pagesrisk management as it helps a Bank to understand various dimensions of risk involved in different credit transactions. Credit Risk Grading Manual of Bangladesh Bank was circulated by Bangladesh Bank vide BRPD Circular No. 18 dated December 11, 2005 on Implementation of Credit Risk Grading Manual which is primarily in use for assessing the credit risk grading before a bank lend to its borrowing clients. Since the nature of business as well as leverage level of Banks is different from that of otherRead MoreInternship Report in Janata Bank Limited9784 Words   |  40 Pagesbetween theoretical and practical knowledge. Only curriculum activity is not sufficient to handle the real business situation. So, it is an urge to arrange an internship program. This program consists of at least there phases: ⠝‘ Orientation with the organization ⠝‘ Completing the project work ⠝‘ Writing the report Internship report on Human Resources Management Practices in Janata Bank has been supervised by Dr. Md. Nazmul Karim Chowdhury, Professor, department of Management studies, UniversityRead MoreNature and Purpose of Accounting2851 Words   |  12 PagesACCOUNTING In the present era most of the business as well as non-business operations are carried out through organizations (mostly by limited liability companies (also known as joint stock companies), societies and charitable organisation), rather than by people working as individuals. Such organization consist of group of people working together for common goal. To accomplish its objectives, the organization uses resources Ââ€"material, labour and various types of services. It is imperative that such

A Moral Of Principal Barn Burning By William Faulkner...

A Moral of Principal â€Å"Barn Burning† by William Faulkner and â€Å"A P† by John Updike, are two books that discuss how two boys mature through their life. Even though these boys live in two different worlds, they both have to make the ultimate decision. These decisions are made from their experiences as well as other people’s experiences which they view throughout their lives. Life is full of great wonderful lessons which teaches different lessons throughout one’s lifetime. Supporting details from the stories will be provided in the following essay, illustrating the reasons why the boys were able to make their final ultimate life changing decision. The story â€Å"A P† by John Updike, outlines several supporting details explaining Sammy s final decision and why he comes to that decision. Luscher said, â€Å"Sammy has an active imagination, a growing facility with language, and a perceptive eye and ear. While his defense of the girls may be motivated by a combination of lust, admiration for Queenie’s social status, and sentimental romanticism, his gesture is not without principle and quickly assumes more serious over tones.† Sammy is distracted by the girls in the bathing suits while waiting on the â€Å"witch† so he should reframe from calling the customer a witch also the girls should been properly dressed (Updike 370). Lengel say, A P’s manager, â€Å"Girls, this isn t the beach† believes everyone should have proper attire (372). Sammy quit his job to stand his ground because heShow MoreRelatedLogical Reasoning189930 Words   |  760 Pages.................................... ....................................... 553 Exercises .......................................................................................................................................... 555 1 C H A P T E R 1 How to Reason Logically T he goal of this book is to improve your logical-reasoning skills. Your logical-reasoning skills are a complex weave of abilities that help you get someones point, generate reasons for your own point, evaluate

The Trade Relations Among Europe and Africa, Asia and America Free Essays

Before 1500, Europeans had already established a trading network with Africa, Asia and America. The products that they traded during that time period included food clothing, weapons and other goods. Today their trading networks are very sophisticated and connect to every corner well to every other aspect of the planet. We will write a custom essay sample on The Trade Relations Among Europe and Africa, Asia and America or any similar topic only for you Order Now Trading became an essential part for our society to function and prosperous into what it has become today. Some might think that today’s trading landscape came from the Europeans around 1500, but they were just eager to establish trades with countries who were just as eager to purchase European goods. However, this statement is incorrect. The reality was that not every country was willing to purchase their products, but many of the Europeans were eager to buy products from other countries. In this paper, I will show how the above statement and its flaws. European countries have a rich civilization. For example, they have a wide variety of food, a huge collection of art work and a number of different customs inlcuding multiple languages. Their possession of these qualities made them become the modern civilization popular at that time. Therefore, if a country that was less civilized started using their products, that country might be modernized at a faster pace. Therefore, the Europeans were helping other countries when they traded with them. However, their good deeds were not accepted by other countries. Not every country was interested in European goods. For example, China resisted importing foreign goods to their country at that time. This was because the government did not want foreign culture to affect their already rich civilization, as China’s history could be traced back to 3000 years ago. Also, African countries, although they were not civilized at all, were not receptive at buying European goods. Tribes from Africa were scattered everywhere. Most of these tribes were self-sufficient as in their advanced ability to produce their own goods as oppose to trading products between tribes. As a result, the economy in Africa was very weak and none of these tribes could afford the European products in order to better their society. Another big misconception about European trade is that we always think other countries had to yield to the terms set forth by the Europeans. Although, Europeans had a powerful civilization and their weapons were more technology advance than many other nations, the term â€Å"trade† was not always in favor of the Europeans. For example, even though Portugal had a better naval and military technology, they had a very limited success when trading with China and Japan. Between 1521 and 1522, Portuguese had attempted to enforce trading with China. However, their aggressive movement ended with a decisive defeat of the Portuguese because they were unable to control all the maritime traffic in the region. As a result, Portugal was expelled from China in 1523. Another example was the Mughal Empire. Mughal Empire was founded in the early 16th century and located in the Middle East region. According to the class note, although this empire was relatively new, they already had a better gunpowder technology than the Europeans. Of course, we cannot conclude that the Mughal Empire had a stronger military than the Europeans based on this fact. However, the gunpowder technology would definitely give the Mughal people a superior defense upon an attack by the Europeans in case of a trading issue arose. As a result, we cannot conclude that a powerful civilization was a factor for the European to continue their trading network at around 1500. An underlying reason of the trade was that the Europeans wanted to be more superior. They wanted to spread their civilized cultures and religions to the â€Å"less civilized† countries in order to colonize them easier. The Americas was a great example to illustrate this influence. After Columbus discovered the new continent in 1400s, European powers began to flock and colonize the new world. Despite the natives were resisting, they were soon adapted to their new dominating power. This was because many of the products that they used were imported from the European nations, including tea, clothing, religion etc. The success of the dominating European power was due to the fact that they took advantage of the trading system and method was unsuccessful for the empires in the old world. It is because the â€Å"less civilized† old world countries had already established their own cultures and religions and were not ready to change. For example, Christianity did not find its way in China. Even in the mid 18th century, 200 years after the trading relationship began; only about 0. 08 percent of total Chinese population had converted from Buddhism to Christianity. Therefore, the explanation that trading system continued because of the European’s cohesive civilization was not well constructed, as it was true for the countries in the new world but not the old. Finally, European nations were ore interested in products made in other countries than those countries interested in their products. An example about the Chinese empire was illustrated in the previous paragraph. China refused the purchase foreign goods because they had already a rich culture by itself. In contrast, Europeans were very interested in silk, porcelains and food produced in China. In Africa, where people could not afford European products, European powers simply arrived, enslaved, and â€Å"trade† those indigent people. Therefore, Europeans after 1500s continued their networks with other countries were more because they wanted to purchase foreign products rather than so sell their products. In conclusion, Europeans established ongoing trade networks in Africa, Asia and the Americas after 1500 because they wanted to trade with countries just as eager to trade with them does not sufficiently entail the trading landscape at that time. Some countries were uninterested in their products and some others simply cannot afford them. As a result, the statement is false and should be revised. How to cite The Trade Relations Among Europe and Africa, Asia and America, Papers

Organizational Analysis free essay sample

An analysis of Scioto Paint Valley Mental Health Center, an agency tied to multiple common and education terms of organizations and groups. The following paper examines intensive case management which is part of a two-tier system. One tier involves intensive case management while the other tier involves partial hospitalization with youths. The writer discusses issues such as holons, entrophy, four energy functions, organizational theories, leadership, power and control, differentiation and goal direction. Power and control seems to be held by this agency also. Power is defined in the book as the systems potential to achieve its goals by the application or deprivation of energy to another system or component (Anderson, Carter, Lowe, p.120). Control is seen as steering and regulation (p.121). The system of SPVMHC seems to have much pull in decisions within the community and a lot of power to refer people to other organizations. SPVMHC can steer an individual anywhere from the court system to therapeutic group homes. We will write a custom essay sample on Organizational Analysis or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I have seen a social worker with the final say in whether an individual will spend three months in jail or be released with counseling session to the agency. Leadership seems to be rather effective in the different systems of the agency, and as I said above the leadership is much from the top down in a hierarchical fashion. These leaders tend to utilize a mix between x and y managerial styles. Also, I am beginning to pick up on some leaders who may not be part of high level of management. For example, there is the all-powerful secretary and the relative of the main supervisor. They seem to be non-credential leaders who are looked up to for what strings they can pull and whom they know. It will be interesting to see more of these people may be as I spend time with the agency.

Writing Lyrics for Songs

Writing Lyrics for Songs Writing Lyrics for Songs Writing Lyrics for Songs By Michael It used to be that when people thought of songwriting, they didnt think of great writing. Then Bob Dylan won the Nobel Prize for literature. Dylan wasnt the first songwriter whose work has been respected by literary critics. You might be surprised how much ancient poetry was originally written to be sung. From certain vanished cultures, songs are the only literature that has survived. Before the invention of mass media technology, songs were the mass media the original news media. So if youre a songwriter, be proud. You have a distinguished and honorable heritage. Writing poetry or verse is good training for any writer. The discipline of a poetic structure teaches you rhythm and beat, which is part of language itself, as texture is part of paint. Yes, we all dislike limits to our creativity. But occasionally having to fit your writing into a rhyme or a meter doesnt hamper your creativity, it can enhance it. Dont you sometimes have trouble thinking of the next word to write? But once you know that word needs to rhyme with stone, or that it needs to begin with an unaccented syllable and end with an accented syllable, it might become easier to find the word. Even if you would never consider yourself a songwriter, in some ways writing song lyrics is better training than simply writing poetry or verse. Remember you dont need to be a musician to write the lyrics to a song. Someone else can write the music. But when you write poetry to be sung, you benefit from a stricter discipline and get a better education in writing. The school of lyrics When you write poetry that isnt meant to be heard (and most poetry should be heard), you can easily escape some of the discipline that you are supposed to be learning from. Personally, I cant tell if Im following the right metrical scheme unless I read what Im writing out loud. But if I have to sing it, the melody enforces the rhythm. It forces me to limit the number of syllables in the line, just as Im supposed to. Theres still room for flexibility, as I call it, or cheating, as you may call it. If you are an experienced singer, maybe you can slip in extra syllables or stretch out a syllable to make the words fit the tune. But another singer might not be able to do it so smoothly nor may they want to. If you want to write a song that is sung widely, even by the public, Im afraid you need to make the syllables fit neatly with the tune. This hard limit of so many syllables per line can drive a lyricist to frustration or possibly to jazz. Jazz is one musical tradition that welcomes improvisation and therefore welcomes longer line lengths. But again, irregular rhythms are harder to memorize, which is why few people sing John Coltrane on the way to work or school. While other writers can write longer sentences, paragraphs or chapters whenever they want, a lyricist may have to fit his or her thoughts into lines of ten words, or verses of four (not three) lines. I have been writing songs for most of my life, but the challenge of fitting words into a limited line makes me very slow. I can rarely fit a complete thought in one line; I frequently cant fit a single thought in a single verse. I wrote a Christmas song of five verses at the rate of one verse a year. Words and music Which comes first: the lyrics or the melody? That depends on the songwriter. The Broadway musical team of Richard Rodgers and Oscar Hammerstein II wrote lyrics first, then music. Same with pop star Elton John and Bernie Taupin, his lyricist. But other songwriters, such as Paul Simon, usually start with the melody. Sometimes the lyrics and the melody are created together, in a jam session or a recording studio. Early in their career, John Lennon and Paul McCartney of the Beatles would write eyeball to eyeball as Lennon put it. Competing with each other helped their songs and hurt their relationship. In â€Å"track and hook† songwriting, a producer records basic elements such as the rhythm and chord progression and sends out the recording to â€Å"top line writers† who add other elements, such the hook, verses, chorus or bridge. For Gilbert and Sullivan of light opera fame, W.S. Gilbert would send lyrics to Arthur Sullivan by mail, as I recall. Sullivan would open the envelope, read the lyrics, then go for a walk, no doubt humming to himself. By the time he returned from his walk, he would have a tune fixed in his mind. Tips for writing lyrics Live songs dont rewind. Unlike readers of a book, listeners at a concert who didnt catch a word or a line cant go back a page and re-read the part of the song they missed. In his article 24 lyric-writing tips, Chris Wickett says, Remember that the listeners might miss a word, or a line, or three. Dont rely on just one small line to put the whole song in context. Dont over-rhyme. Structure is good, but too many rhymes can sound cutesy or annoying. A song can tolerate slant rhymes better than it can tolerate missing syllables. Be short, simple, and sweet. Graham English calculates that Bruce Springsteens Born to Run album averages 281 words per song. The Beatles’ Abbey Road averages 102 and Let It Be averages 139. Be specific, be intimate, be concrete. Andrea Stolpe who teaches songwriting at Berklee Online and the University of Southern California, says, Bring your listener into an experience of a small moment. Tell a story that shows your heart. You dont need to be profound. Jesse Sterling Harrison advises lyricists to be just slightly enigmatic. Nor do you need to be grandiose. No! I am not Frank Sinatra, nor was meant to be. Dont rush yourself. Rod Stewart says, Ill come up with one line in a day, and then it might be a couple of days before I come up with the rhyming line. Accept criticism but dont be too critical. Your lyric wont be instantly perfect, but if you can take advice, you can improve faster. Be quiet. James Taylor told NPRs Noah Adams, I think songs need to come out of really, out of a state of boredom almost as much as anything else. You need to have empty time in order to receive them. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Freelance Writing category, check our popular posts, or choose a related post below:Masters Degree or Master's Degree?225 Foreign Phrases to Inspire YouWhat’s the Best Way to Refer to a Romantic Partner?

Avoid Gratuitous Capitalization

Avoid Gratuitous Capitalization Avoid Gratuitous Capitalization Avoid Gratuitous Capitalization By Mark Nichol As an editor, I devote much of my time and energy to helping a writer bring out the best in his or her prose, but a lot of effort also goes into minor but nagging errors unnecessary capitalization among them. Long after the Roman alphabet was developed, only one form existed: the capital form. Along the way, a parallel form, known as lowercase developed. (The term lowercase derives from the fact that stamps for printing letters using this style were kept in rows of cases located below those housing the uppercase, or capital, letters.) Now, capital letters are used in a limited number of functions: primarily, for the first letter of the first word in a sentence or of a proper noun, and for denoting acronyms and initialisms. Unfortunately, many amateur writers, and a number of professionals, clutter their writing with gratuitous capitalization because of a misunderstanding of or a disregard for orthographic conventions. For example, many people do not realize that when the name of an entity such as an organization is reduced to one word, that word is generally treated without initial capitalization, as in â€Å"the association† (not â€Å"the Association†) as shorthand for â€Å"the American Automobile Association.† One complication is something that can be blamed on institutional pride, as when a university’s literature describes how â€Å"the University’s student-life environment is very rich† or on corporate branding efforts, as in â€Å"the Company is here to serve your needs.† Such gratuitous capitalization is entrenched in traditional legal writing (for example, â€Å"the Plaintiff’s claim is upheld†), but both in that context and in general prose it is distracting. Whenever you’re tempted to capitalize a word, specific to your field of interest or endeavor, that is not a proper noun, check its treatment in the lay literature books, nonscholarly periodicals, newspapers, and websites. Often, you’ll find that the word is treated generically, and I hope that you’ll realize that unless the word is strictly a proper noun, there’s no justification for aggrandizing it with an initial capital letter. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Style category, check our popular posts, or choose a related post below:How to Format a US Business LetterThat vs. WhichTypes of Plots

The Black Death in Police Custody Essay Example | Topics and Well Written Essays - 1000 words

The Black Death in Police Custody - Essay Example Deaths in police, prison and psychiatric custody since 1990. The details of deaths of blacks which have taken place in police custody and which have given rise to concern because of unexplained or mysterious circumstances surrounding those deaths and / or allegations of maltreatment, dereliction of duty or brutality have been discussed. The Study will be increasingly contacted by a small but nevertheless disturbing number of families where a relative has died in suspicious circumstances and they are unhappy with the police investigation. Whilst it is not within our remit to provide assistance in such cases we have referred many families to members of our Lawyers group. The police are investigating themselves that makes it very difficult for them to win the trust of the deceased's family, friends and local community. This is particularly the case following a black death in custody, when the police face a black community that already has, as senior police officers acknowledge, a height ened mistrust of the police. Families frequently complain about the length of time that the investigation takes, their lack of involvement in it and, as mentioned earlier, the nature of the questions about the deceased. One major cause of anger for black families following a death in police custody is the misinformation - perhaps more accurately 'spin' - put out in the police's publicity about the circumstances of the death. This misinformation, issued soon after the death, has tended to shape news coverage and wider public perceptions of the causes of a death and seems to be intended to play down the involvement of police officers. Table 1: Deaths in Police Custody 1990-1998 (to July) Source: INQUEST monitoring RTA = Road Traffic Accident For the family of the deceased the inquest is their only opportunity to find out the circumstances of the death. This is particularly important given the lack of prior disclosure of information. However there are a number of serious obstacles in the way of effective representation. For a start not everyone has a family; in some cases there is no one who qualifies as a 'properly interested person' under the Coroners' Rules. There is no legal aid (provision for it was made in the Legal Aid Act 1949 but never brought into force; it was repealed in 1988). In cases where families have had legal advice and representation (often free as there is no legal aid) experienced barristers and solicitors have been able to shed new light on the cause of death. Aim of Research The Study's principal aim is to explore the reasons behind the black deaths in police custody. And there are should be a wide ranging public inquiry into deaths in custody to consider: - to investigate legal processes which follow; - to focus in particular on the treatment of bereaved families; - to address the disproportionate number of black