This document discusses how various banking ratios are calculated to analyze the financial statements of financial institutions. It provides the formulas for calculating key ratios such as return on assets, return on equity, net interest margin, loans to assets, equity to assets, and tier 1 capital. These ratios measure metrics like profitability, interest rates, loan levels, capital adequacy, and reserve levels. Understanding these ratios helps evaluate the financial health and risk profile of banks, insurance companies, and other financial service firms.
Creating Shareholder Value in Midcap BanksJohn Rickmeier
The mission of a bank is to operate a safe and sound financial institution, while creating shareholder value. The value of a bank, defined by the ratio of market value to common equity, most often is directly related to the return on equity (ROE) less the cost of equity capital (COE).
International Financial Markets & Sources of Funding for MNC'sThe Stockker
International Financial Environment, Euro Money Market, International Capital Markets, International Bond Market, International Equity Market, GDR’s, FCCB’s, External Commercial Borrowings (ECB’s), Working Capital Management in MNC’s, INTERNATIONAL CASH MGMT, Centralized Vs Decentralized CM, Techniques to optimize cash flows, Netting, Transfer Pricing, Sources of short term funds,
Sandpiper Capital is a RIA firm. Our mission is to deliver effective portfolio management at low cost to institutions and individuals who have made risk control a priority.
We are constantly weighing the value of the markets. We aspire to use the miscalculations that inevitably arise from decisions that are generated in environments of fear and greed to sell to the over-reaching and to buy from the fearful. Cost efficiency, risk avoidance and proven, logic-based strategies are the benchmarks of a successful investment program.
Let the investment professionals at Sandpiper Capital use these tools to benefit you.
Creating Shareholder Value in Midcap BanksJohn Rickmeier
The mission of a bank is to operate a safe and sound financial institution, while creating shareholder value. The value of a bank, defined by the ratio of market value to common equity, most often is directly related to the return on equity (ROE) less the cost of equity capital (COE).
International Financial Markets & Sources of Funding for MNC'sThe Stockker
International Financial Environment, Euro Money Market, International Capital Markets, International Bond Market, International Equity Market, GDR’s, FCCB’s, External Commercial Borrowings (ECB’s), Working Capital Management in MNC’s, INTERNATIONAL CASH MGMT, Centralized Vs Decentralized CM, Techniques to optimize cash flows, Netting, Transfer Pricing, Sources of short term funds,
Sandpiper Capital is a RIA firm. Our mission is to deliver effective portfolio management at low cost to institutions and individuals who have made risk control a priority.
We are constantly weighing the value of the markets. We aspire to use the miscalculations that inevitably arise from decisions that are generated in environments of fear and greed to sell to the over-reaching and to buy from the fearful. Cost efficiency, risk avoidance and proven, logic-based strategies are the benchmarks of a successful investment program.
Let the investment professionals at Sandpiper Capital use these tools to benefit you.
“The term annual percentage rate of charge (APR), corresponding sometimes to a nominal APR and sometimes to an effective APR (or EAPR), describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on loan, mortgage loan, credit card loan etc., it is a finance charge expressed as an annual rate.”(Arthur O'Sullivan). Copy the link given below and paste it in new browser window to get more information on Annual Percentage Rate (APR) http://www.transtutors.com/homework-help/accounting/apr.aspx
This is a short and simple overview of hard money lending. With hard money lending you can get higher and more reliable returns. With your investment secured with real estate, the risk is very low!
The European leveraged finance primary and secondary markets were buffeted by volatility following comments by Fed chairman for tapering off support for quantative easing. CLO calendar is still strong, despite unease over EBA directives and politicians attitudes towards CLOs. Issuers are looking towards the US market for liquidity and best execution, be that either through bonds or loans.
Check out LCD's new, free web sites, LeveragedLoan.com and HighYieldBond.com
http://www.leveragedloan.com
http://www.highyieldbond.com/
* Job postings
* Online Loan Market and High Yield Primer
* News and analysis
* Market Stats
Video presentation of these slides:
http://youtu.be/lN4wRATnNHc
Connect with LCD
Facebook: http://www.lcdcomps.com/facebook
Like LCD on Facebook for monthly analysis on LBO/Private equity stats, as well as Default/Restructuring analysis.
LinkedIn: http://www.lcdcomps.com/linkedin
There are over 10,000 market contacts in LCD's Leveraged Loan Group
Twitter: http://www.twitter.com/lcdnews
News, commentary, other leveraged finance info
Web: http://www.lcdcomps.com
Contact: anna_cini@sandp.com
“The term annual percentage rate of charge (APR), corresponding sometimes to a nominal APR and sometimes to an effective APR (or EAPR), describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on loan, mortgage loan, credit card loan etc., it is a finance charge expressed as an annual rate.”(Arthur O'Sullivan). Copy the link given below and paste it in new browser window to get more information on Annual Percentage Rate (APR) http://www.transtutors.com/homework-help/accounting/apr.aspx
This is a short and simple overview of hard money lending. With hard money lending you can get higher and more reliable returns. With your investment secured with real estate, the risk is very low!
The European leveraged finance primary and secondary markets were buffeted by volatility following comments by Fed chairman for tapering off support for quantative easing. CLO calendar is still strong, despite unease over EBA directives and politicians attitudes towards CLOs. Issuers are looking towards the US market for liquidity and best execution, be that either through bonds or loans.
Check out LCD's new, free web sites, LeveragedLoan.com and HighYieldBond.com
http://www.leveragedloan.com
http://www.highyieldbond.com/
* Job postings
* Online Loan Market and High Yield Primer
* News and analysis
* Market Stats
Video presentation of these slides:
http://youtu.be/lN4wRATnNHc
Connect with LCD
Facebook: http://www.lcdcomps.com/facebook
Like LCD on Facebook for monthly analysis on LBO/Private equity stats, as well as Default/Restructuring analysis.
LinkedIn: http://www.lcdcomps.com/linkedin
There are over 10,000 market contacts in LCD's Leveraged Loan Group
Twitter: http://www.twitter.com/lcdnews
News, commentary, other leveraged finance info
Web: http://www.lcdcomps.com
Contact: anna_cini@sandp.com
Egypt-Retail bank insights summary Dec.08Walid Saafan
Summary report about Retail Banks in Egypt, extracted from the "Retail Insights" syndicated research.
This report highlights many opportunities that can be used in building marketing strategy for retail bank products and services.
Please contact me for further discussion about the subject.
Regards. W.Saafan
Ratios are relatively unimportant in isolation. For maximum value, we should monitor trends (e.g., ratio this quarter compared to the previous quarter) and compare our ratios to peer averages or another type of benchmark (i.e., ratio compared to other credit unions with similar characteristics).
The effect of loan to deposit ratio(LDR), interest income ratio, and non-inte...AJHSSR Journal
ABSTRACT: In this study, the effect of Interest Income/Total Assets ratio, Non-Interest Income/Total Assets
ratio, and Total Loans/Total Deposit ratio (LDR) on average return on equity ratio(ROE) was examined. A
multiple regression analysis was applied with R-Studio program using the data of Ziraat Bank, one of the public
banks operating in Turkey, between the years 2003-2021. The following results were obtained. The effect of the
LDR independent variable on the ROE dependent variable is significant and negative, the effect of interest
income ratio independent variable on the ROE dependent variable is statistically insignificant and negative, and
the effect of non-interest income ratio independent variable on the ROE dependent variable is significant and
positive. 55.16% of the variation in ROE is explained by the independent variables in the model. In this study, it
was aimed to determine the simultaneous and partial effects of loan to deposit ratio(LDR), interest income ratio,
and non-interest income ratio on average return on equity ratio and to contribute to other researchers.
KEYWORDS : Loan to Deposit Ratio(LDR), Interest Income, Non-Interest Income, Return on Equity (ROE)
Lecture not*Half Education / Little Knowledge/ is dangerous and destructive!!!* !!!!
=============================
An Aeroplane cleaner was cleaning the Pilot's cockpit, when he saw a book titled, "HOW TO FLY AN AEROPLANE FOR BEGINNERS (Volume 1)
He opened the first (1st) page which said: "To start the engine, press the red button...". He did so, and the airplane engine started...
He was happy and opened the next page...: "To get the airplane moving, press the blue button... "He did so, and the plane started moving at an amazing speed...
He wanted to fly, so he opened the third (3rd) page which said: To let the airplane fly, please press the green button... "He did so and the plane started to fly...
He was excited...!!
After twenty (20) minutes of flying, he was satisfied, and wanted to land, so he decided to go to the fourth (4th) page... and page four (4) says; "To be able to know how to land a plane, please purchase Volume 2 at the nearest bookshop!"
*Moral Lesson*
Never attempt anything without complete information
*Half Education is not only dangerous but destructive!!!
*A word is enough for the wise *
Credit to "Africa is home ".
Branch Out Smart: Data-Driven Location Selection with a Competitive EdgeWalid Saafan
This presentation explores a data-driven approach to identifying prime branch locations for a commercial bank. It delves into prioritizing areas based on key metrics like average household income and population density. It also showcases an innovative strategy for visualizing competitor branch presence, providing valuable insights for strategic expansion.
A quantitative research that investigate the factors/drivers that influence Facebook usage among small and medium enterprises (SMEs), and also examines the impact of Facebook usage on financial and non-financial performance of SMEs in Egypt.
Infographic: Fastest growing Egyptian banks in t.assets 03.2016Walid Saafan
Fastest growing Egyptian banks in terms of Total Assets' Market share gain.
Top 3 gainers & Top 3 looser
Based on the published financial statements in Mar 2016
Sample analysis for banks branch locations for the following banks: SAIB, AAIB, AUDI, HSBC (Premier), ADIB.
Locations presented in Cairo, Giza, and Alexandria.
Analysis conducted in Jan 2015.
Source: Banks' web sites.
Personal plan after completing Phase I of the leadership development track covering: Self leadership, Stress management, Effective coaching, and public speaking.
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
Buy Verified PayPal Account | Buy Google 5 Star Reviewsusawebmarket
Buy Verified PayPal Account
Looking to buy verified PayPal accounts? Discover 7 expert tips for safely purchasing a verified PayPal account in 2024. Ensure security and reliability for your transactions.
PayPal Services Features-
🟢 Email Access
🟢 Bank Added
🟢 Card Verified
🟢 Full SSN Provided
🟢 Phone Number Access
🟢 Driving License Copy
🟢 Fasted Delivery
Client Satisfaction is Our First priority. Our services is very appropriate to buy. We assume that the first-rate way to purchase our offerings is to order on the website. If you have any worry in our cooperation usually You can order us on Skype or Telegram.
24/7 Hours Reply/Please Contact
usawebmarketEmail: support@usawebmarket.com
Skype: usawebmarket
Telegram: @usawebmarket
WhatsApp: +1(218) 203-5951
USA WEB MARKET is the Best Verified PayPal, Payoneer, Cash App, Skrill, Neteller, Stripe Account and SEO, SMM Service provider.100%Satisfection granted.100% replacement Granted.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Skye Residences | Extended Stay Residences Near Toronto Airportmarketingjdass
Experience unparalleled EXTENDED STAY and comfort at Skye Residences located just minutes from Toronto Airport. Discover sophisticated accommodations tailored for discerning travelers.
Website Link :
https://skyeresidences.com/
https://skyeresidences.com/about-us/
https://skyeresidences.com/gallery/
https://skyeresidences.com/rooms/
https://skyeresidences.com/near-by-attractions/
https://skyeresidences.com/commute/
https://skyeresidences.com/contact/
https://skyeresidences.com/queen-suite-with-sofa-bed/
https://skyeresidences.com/queen-suite-with-sofa-bed-and-balcony/
https://skyeresidences.com/queen-suite-with-sofa-bed-accessible/
https://skyeresidences.com/2-bedroom-deluxe-queen-suite-with-sofa-bed/
https://skyeresidences.com/2-bedroom-deluxe-king-queen-suite-with-sofa-bed/
https://skyeresidences.com/2-bedroom-deluxe-queen-suite-with-sofa-bed-accessible/
#Skye Residences Etobicoke, #Skye Residences Near Toronto Airport, #Skye Residences Toronto, #Skye Hotel Toronto, #Skye Hotel Near Toronto Airport, #Hotel Near Toronto Airport, #Near Toronto Airport Accommodation, #Suites Near Toronto Airport, #Etobicoke Suites Near Airport, #Hotel Near Toronto Pearson International Airport, #Toronto Airport Suite Rentals, #Pearson Airport Hotel Suites
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Pitch Deck Teardown: RAW Dating App's $3M Angel deck
How are banking ratios compiled
1. How are Banking Ratios Compiled ?
Financial institutions such as banks, financial service companies, insurance companies, securities firms
and credit unions have very different ways of reporting financial information. This guide gives you the most
pertinent information to analyze a financial service company's financial statements.
Income Statement
Return on Average Assets
USBR calculates Return on Assets (ROA) by dividing net operating income by total assets.
Return on Average Assets = ( Net Operating Income/ Total Assets )
Return on Equity
Return on Equity = ( Net Income/Stockholder Equity )
Return on Equity is determined by dividing net income (minus preferred dividends) by average common
stockholders equity to get the return on equity.
Rate Paid on Funds
The Rate Paid on Funds is determined by dividing total interest expense by total earning assets. The
formula is as follows:
Rate Paid on Funds = Total Interest Expense / Total Earning Assets
This indicates what percentage or rate of interest is paid from assets.
Net Interest Margin
Net Interest Margin
Net interest margin is computed by dividing net interest income by total earning assets.
Net Interest Margin = Net Interest income/ Earning Assets
Provision for Loan Losses
This important figure is a reserve account to cover unexpected defaults on loans by borrowers. These are
generally referred to as nonperforming loans.
Reserve as a percentage of loans: ( Reserve/ Total loans )
Chargeoffs as percentage of loans: (Charge-offs/ Total Loans )
The higher the nonperforming loan and charge-off percentages, the higher the provision for loan losses
should probably be. Consequently, this would reduce net income and earnings per share.
Long Term Debt to Total Liabilities and Equity
2. The higher this figure, the more difficult it would be for a bank to borrow more funds.This figure is
determined as follows:
Long Term Debt to Total Liabilities and Equity = ( Long Term Debt / Total Liabilities plus Equity )
Loans to Assets
The loans to assets ratio measures the total loans outstanding as a percentage of total assets. The higher
this ratio indicates a bank is loaned up and its liquidity is low. The higher the ratio, the more risky a bank
may be to higher defaults.
This figure is determined as follows:
Loans to Assets = ( Loans / Total Assets )
Equity to Assets
Equity to total assets is a common measure used to analyze capital adequancy of a bank. This figure is
determined as follows:
Equity to Assets = ( Stockholders Equity / Average Total Assets )
Equity to Loans
Equity to Loans reflects the degree of equity coverage to outstanding loans. This figure is determined as
follows:
Equity to Loans = ( Average Common Equity / Average Total Assets )
Tier I Capital
Tier I
Banks must maintain a ratio which is within the guidelines set by the FDIC guidelines. This figure is
determined as follows:
Tier 1 Capital = ( Stockholder Equity/ Risk-Adjusted Assets )
Total Capital
Total Capital includes Tier I and the reserve for loan losses ( up to 1.25 % of Risk Adjusted Capital) plus
subordinated notes (to 50 percent of Tier I capital). This figure is also set by FDIC guidelines.