Usually the finance costs go up with the provision of a longer credit period to the debtors, but it also promotes sales. S.A. Talke’s debtor days are much higher than those of its competitor. This is due to Talke relying on two major customers. These two customers have extended credit terms and represent about half of the accounts receivables at the year end. Payable Days (Payables / COS X 365) S.A. Talke Basem Year 2011 2012 2013 2013 Payable days 141 95 165 58 Payable days helps to evaluate the company’s liquidity.
An empirical study on financial planning behavior across income profiles. Abstract:- Financial Planning is a continuing process to make pragmatic decisions about money that can help accomplish goals in life. ‘Financial Planning Behavior', can be elaborated as application of psychological aspects to financial planning decision-making, it has become a much discussed subject in recent times. Financial Planning is done to manage income more efficiently, to identify investment opportunities relevant to financial situation, to provide family's financial security, etc. The study scrutinizes the financial planning behavior across various income sections based on a research conducted by interviewing professionals belonging to various income categories.
A lower debt ratio signifies that the firm depends less on borrowing as compared to equity for financing its assets. Usually, the lower the debt ratio, the lesser is the risk. However, the acceptable levels are different across industries. (AAII, 2010) mentioned that the interest coverage ratio assesses the firm’s ability to pay interest on its outstanding debt. A high number signifies a healthy firm; whereas a ratio below 1 means that the firm is unable to pay its interest obligations due to insufficient earnings.
Competitor’s Offering and Business Case for Genpact Post release of the guidelines by BCBS, many financial and IT consulting came up with different offerings for banks and financial institutions. We studied a few major companies operating in this space and their offerings. These offerings can be classified into the following three categories: • Third Process Service Provider: These are the companies that maintain banks existing data warehouse and modify these as per the changing regulations. • Solution Provider: These are the companies that have their risk management applications which they sell and maintain for the banks. • Process Consultants: These are the companies that study the client’s processes and help assess gaps in the existing process
Literature Survey By this time, the subject that I have chosen has been researched by various experts, authors etc., that is why there are lots of different articles that I have faced while doing my research. While there is some research on this topic which analyzes the topic extensively, there are the ones whose subtitles include the specific information that I am looking for. I have preferred to look at some of them. Here, I have the conclusion of example material. The Malthusian doctrine can be accepted as a special case of the Law of Diminishing Returns, the effects on stabilizing in developed countries by changes in technology and other variables.
Return on Equity ratio points at the company’s efficiency and earnings performance. In the case of Barry Callebaut, the Excel graph shows a slight fluctuation of the ratios in different years. According to Investopedia.com and Readyratios.com, the 12-20% is usually considered by analysts as a good investment quality, whereas Barry Callebaut is currently 0,36% below the lower threshold. Nevertheless, the ratio has been over 13% from 2013 till 1015, which shows that the company efficiently employs its
A number of studies have been conducted in India and abroad to study the various aspects of performance measurement in the banking sector. These studies have been reviewed critically with a view to understand the objectives of these studies, research methodology, research findings, etc. and to identify the gap that exists in the literature in this area. The analysis of banking performance has received a great deal of attention in the banking literature. A common framework used by supervisors is the CAMELS framework, which uses basic financial ratios to help evaluate a bank’s performance (Yue, 1992 various studies includes the use of financial ratios to analysis the banks’ performance appraisal, including Beaver (1966), Atman (1968), Maishanu
INVESTMENT CLUB INTRODUCTION TO INVESTMENT CLUBS: It is important to first understand the basic elements of an investment club before being able to evaluate whether the actions taken by an investment club are ethical or not. An investment club can be defined as a group of people who have joined up with the aim of creating wealth by investing in the stock markets. (Brown, 2017). There are certain requirements that need to be fulfilled when a new investment club is established and many steps that need to be followed to get the investment club up and running. Some of these steps include drafting an invitation for members to join the investment club, holding an introductory meeting, recruiting members, establishing a club size and contribution
Accounting controls: Many aspects of insurance accounting are unique. Almost every piece of paper utilized by insurance company becomes a sources document for the accounting entry. Such papers include Money Receipts, checks, deposit slips, debit and credit vouchers. Insurance company process hundreds of source documents each day. As consequence, it is imperative that insurance companies make posting their books each day.
The set of competencies required in the HR capitals of the banking sector is very important so that to prepare employees and executives development plans. The training and the management development can be conducted by analysing the gaps so detected