207023 essay

So it all started at the end of our summer break. The last week had started and the new school-year was almost upon us once more. I had tonnes of essays and book reports due the first week. Now while I had to sit down inside, and work nonstop for this whole week to have a chance of finishing it all, but nature, humanity and generally the whole universe were against that.

207023 essay

Solvency Ratios Valuation Ratios However, for the banking industry, which is our main concern, we will use only the first four categories, making an exception of the Valuation category. The financial stability department of the State Bank of Pakistan, which is the central bank of this major economy in the Muslim world, and actively involved in the promotion of Islamic Banking, suggests that the financial ratios fairly reflect the stability, health and the performance of the banks.

Hence, these ratios can be used for our purpose. Z-score Instead of just doing the Financial Ratios Analysis, we should also do the analysis of the banks' insolvency risk, which is measured by 207023 essay z-score.

This will be done for both the categories of banking systems: Islamic Banks; as well as the Commercial Banks. The statistic based on z-score is calculated with the help of the data on the bank's expected profits, the riskiness or the variation in such profits and the capital base of the bank.

In other words, the following variables help to calculate the z-score and test it, we need the profit margin, its likelihood of occurrence and the shareholders equity available to compensate in case of the negative margins losses.

A z-score represents the number of standard deviations by which the return on asset have to decrease in order to incur a loss a negative return. Z-scores can be measured by the following formula: According to the formula, the higher z-score means that the equity base and the return added on it is much higher than the potential risk to the earnings as measured by the standard deviations.

Hence, such usage of the z-score testing as the test for measuring risk is recommended by many researches in the field. By the definition of the z-score here, it can be said that it directly relates to the probability of a bank's insolvency.

It is necessary to evaluate and understand the extent to which Islamic banks are risky as compared to conventional banks.

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Z-scores will play an integral role in helping us identify the risk profile of Islamic banks. Regression One of the most extensively used statistical measure of conformity is the use of regression and correlation.

The extent to which two different datasets match in terms of moving together is evaluated by a regression analysis. This context will look closely at how the dataset we obtained for Islamic and conventional banks will be moving in tandem with the GDP and inflation CPI of their respective countries.

A pooled regression test will be used to perform the respective tests and statistics generated from the regression such as the R-squared value will be used to make judgments on the relationship between the profitability and growth of Islamic and conventional banks with respect to their national growth and inflation.

This test is extremely as it is crucial to understand the synchronization of growth of these banks with their national economies. It would be difficult to make pre-assumptions about either Islamic or conventional banks however, it has generally been seen that while conventional banks were wiped of several billions of dollars, Islamic banks stood their ground and even grew in some countries.

Thus, bearing this in mind, a pooled regression test will enable us to identify the polarity of growth of Islamic and conventional banks with their respective economies.

Financial statement analysis involves comparing the firm's performance with that of other firms in the same industry. In this research, we are comparing banks with banks but having two categories within the banking industry: Islamic banks and the conventional banks.

Ratio analysis also involves evaluating trends of the financial position of the firm over a time period.

The ratio analysis of the firm's financial statements helps the management of the firm to identify problems and deficiencies and then to take actions to try to improve performance. It also helps the decision makers to make operational as well as strategic decisions that would help the firm over a long period of time.

Financial statements mainly comprises of the balance sheet, the income statement and the cash flow statement. The balance sheet and the cash flow statement both report the firm's position at a given point of time.

It gives the situation in which the company is standing at that point of time.

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And the income statement tells about the performance of the company's operations over a certain time period, usually a year. In other words, the financial statement analysis is useful to help anticipate the future conditions and as a starting point for planning actions that will improve the firm's future performance.

But with these lengthy and complicated financial statements, it is really time consuming for the decision makers and other stake holders to confer something.

Hence, the financial ratios are used to help evaluate the financial statements. These ratios are taken from the break down elements of the financial statements.Aug 15,  · Hello, I am in Indian, and I am looking at two programs to go to France. One is 2 months, and thus within the Schengen.

The other is for a semester, and so is considered Long Stay in France. I've done lots of research, and know what needs to be submitted in the programs are strictly internships or strictly studying. However, the programs combine the two.

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207023 essay

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Get the knowledge you need in order to pass your classes and more. College essay writing service Question description Part One: Read “Topic 2: Vargas Case Study.” Complete a Cultural Formulation Interview based on the “Cultural Formulation” section in the DSM-5 and given the new information learned in session two of the Vargas case study.

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