However, the limitations of this method coupled with advances in management sciences have led to the development of alternate methods such as non-parametric DEA and parametric Stochastic Frontier Approach (Berger and Humphrey,1997) . Berger & Humphrey (1997) assert that the whole idea of measuring bank performance is to separate banks that are performing well from those which are doing poorly. They further indicated that, “evaluating the performance of financial institution can inform government policy by assessing the effects of deregulation, mergers and market structure on efficiency” (p175). Bank regulators screen banks by evaluating banks’ liquidity, solvency and overall performance to enable them to intervene when there is need and to gauge the potential for problems (Casu et al, 2006). On a micro-level, bank performance measurement can also help improve managerial performance by identifying best and worst practices associated with high and low measured efficiency. When looking to improve their performance, banks compare the performance of their peers and evaluate the trend of their financial performance over time. I will therefore use financial ratios were used to evaluate the performance of Saint Charles Bank. .The most common measure of bank performance is profitability. Profitability is Measured using the following criteria: Return on Assets (ROA) = net profit/total assets shows the ability of management to acquire deposits at a reasonable cost and invest them in profitable investments (Erick, 2002) . This ratio indicates how much net income is generated per ? of assets. The higher the ROA, the more the profitable the bank. Return on Equity (ROE) = net profit/ total equity. ROE is the most important indicator of a bank’s profitability and growth potential. It is the rate of return to shareholders or the percentage return on each ? of equity invested in the bank. Cost to Income Ratio (C/I) = total cost /total income measures the income generated per ? cost. That is how expensive it is for the bank to produce a unit of output. The lower the C/I ratio, the better the performance of the bank. In banking the risk-reward trade off is constantly present. Risk taking generates higher expected earnings through various mechanisms. For example granting high margin loans to risky customers may increase earnings in the short term but it also increases the credit risk profile and the probability of future losses (Hull, 2012). The analysis of the bank ratio’s show a constant profitability trend from 2009 to 20011 with a slight increase in 2010. Return on assets reduced to 1.23% in 2009 to 1.05% in 2010 to 1 17% in 2011. The Return on Equity increased from 18.81% IN 2009 to 20.13% in 2010 and dropped to 18.45% in 2011Loans and advances were the main contributors to the increase in assets mainly due to increase in mortgage loans . The higher ratios indicate a better prospective as the high net interest margin was feeding through greater net income thus boosting ROA and ROE . The decline in the C/I ratio is as a result of cost efficiency levels. These results are compared to Barclays performance for the same period shows that Barclays has an increasing trend as it experienced a and increase form 7.5% in 2009 to 9.9% in 2010 to 14.9% in 2011%
Risk Management Report A case study of Saint Charles Bank Institution: Name: Question 1 Comment on the financial situation of the bank as presented on the Exhibits 1 and 2. (LO2, LO5) With the deteriorating health of the banking institutions and the recent surge of bank failures as a result of the current global financial crisis, it is justified that bank performance receives increased investigation from both scholars and industry specialists …
Risk management mitigates against the adverse consequences of risks associated with the strategies adopted by organisations and aims to convert the risks into opportunities for the benefit of the organisation. It ensures that organisations benefit maximally from their operations and resources while minimising on uncertainties (Hillson, 2000).
Risk Risk analysis Rationale for choice of analysis Employee turnover Event tree analysis This is a risk that projects the possibility that some top employees may be lost from the human resource base of the project. The event tree analysis would come in as a quantitative analysis that will be used to identify the series of effects that the project would suffer at the point of the employee turnover to the point of completion of the project (Gabby, 2009).
The Inquiry then heard spates of public hearings throughout 2011 and 2012, before publishing the Leveson Report in November 2012. The relation between the recommendation by the Leveson Inquiry and the operations of the Department for Culture Media and Sport (DCMS) is that the Inquiry reviewed the general ethics, ethical standards and culture of the British media, before making recommendations for a new autonomous entity to face out the existing Press Complaints Commission.
Project management is applied to see the problems and dangers in the planning, organizing and putting to action the formulated plans. Organizing, planning and controlling the activities are necessary steps. In manufacturing, project management refers to the process of creating products.
Some of the major environment legislations that seek to encourage the conservation of environment and control the disposal of radioactive wastes include Environmental Permitting Regulations 2011 SI 2043, Plant Protection Products Regulations SI 2011/2031 and Energy information Regulations 2011 SI 1524.
The document suggests shifting attention from finding out who is responsible for these errors, to new ways of arresting these errors before they reach patients and cause harm. This was a positive move that led to a drastically shift from perfecting the doctor’s prescriptions and handwritings, to involving computerized systems, which can to stop errors before they reach the patient.
FOD incorporates a broad range of materials such as pavement fragments, loose hardware, building materials, sand, and rocks, pieces of luggage, and catering supplies, and sometimes wildlife. FOD can be encountered in places such as terminal gates, taxiways, cargo aprons, run-up pads, and runways.
Patient management should always be holistic, all the cadres i.e. doctors, and nurses, pharmacists and radiologists should always work together and discuss the patient problem. These practices will bring good and
banks, the financial crisis in Cyprus and the EU wide policy implications on the country’s financial sector are some of the aspects that will be discussed within this study. Thereafter the researcher will be setting forth certain recommendations that are aimed towards the
9 pages (2250 words)Coursework
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