What Are Interesting Social Topics?

What Are Interesting Social Topics?Interesting social topics are those that you would love to read about, or people you admire would be happy to talk about. These topics are often also controversial and do not necessarily have to center on celebrity gossip or a simple case of miscommunication. Nevertheless, these topics often center on a great deal of knowledge.By reading about the stories behind the stories and the colorful personalities that make up the people and events of the world around you, you are in a wonderful way, taking the time to learn about someone's background, their values, and how they choose to live their life. Although it is important to remember that all the news stories are simply in order to entertain us, what we take away from them stays with us long after the news has gone off the air. So by learning about the people that make up a great society, we make ourselves better citizens in our own communities.The way you choose to read about the interesting social t opics you are interested in will make all the difference. You can visit many web sites online that offer different topics that you can choose from. In order to get the information you want, you must look for the website that offers the information you are looking for but have the greatest variety of topics available. Most websites that offer a wide variety of topics offer blog pages, and can even put links to articles that you find interesting.Of course, when visiting a web site with a large amount of articles on interesting social topics, it is important to remember to choose one that has a focus on a particular topic that you are interested in. By clicking on the topics that are available to you, you can see the websites that focus on the topic of interest. Once you have chosen your desired topic, you can go back and look at all the articles that are available on this topic.Before selecting the topics that you are interested in, check to see if there are any others that you are in terested in, but may not be familiar with. In some cases, you may have heard of something else that is related to the topic you are looking into, but haven't read the article yet. By reading through each article that you like, you will become more familiar with the subject, which in turn will help you when you begin to research the articles on interesting social topics that are available.Often, you will find that you can find topics that you are interested in by participating in online discussion forums. This is a great way to meet other people who share your interests. You can also ask other members of the forum if they know anything about interesting social topics. If there is nothing you can find about interesting social topics on the forum, you can sign up for an email list that will help you in your research.There are also online social sites that you can join, such as MySpace, Facebook, Twitter, etc. Depending on how much time you have available, you can even log on to these w ebsites for a couple of hours each day. While this may seem like a great idea to you, it is probably not a good idea to do because if you do this, you will likely end up using your computer all day long.The best way to read interesting social topics is to do some research, and then participate in online discussion forums. The thing is, by engaging in these sites, you are more likely to get the information you want, and thus, learning more about interesting social topics is easier.

Consumerism Essay Topics - The 5 Components of a Good Consumerism Essay

<h1>Consumerism Essay Topics - The 5 Components of a Good Consumerism Essay</h1><p>The right industrialism article themes might be the way to getting passing marks on that paper. It's a fabulous instrument when utilized appropriately and can likewise be inconceivably hard to really utilize effectively. It is anything but a smart thought to utilize an industrialism paper point with no guarantees; yet all in all it ought to have five essential parts that ought to be available in each commercialization article. Here is a depiction of these five components.</p><p></p><p>The first part of an industrialism exposition subject that you ought to have the option to accomplish is a suitable title. Utilizing the title as a guide will guarantee that you are in fact utilizing a commercialization paper point and not a reality or scholarly exposition. The title will come in to play as you are deciding the content that you will compose, and you need to ensure that the title is consistently one of a kind and original.</p><p></p><p>A second part that you need to consider when creating industrialism article themes is simply the point. There are a wide range of paper themes that exist, and it is important that you don't utilize another subject to make it remarkable. You have to make a fresh out of the plastic new theme that is remarkable to you. This is regularly a completely unique methodology that a few people like, and you can discover this when you look for commercialization paper points on Wikipedia. In the event that you use Wikipedia, at that point you can take a gander at a few distinct sites that represent considerable authority recorded as a hard copy industrialism essays.</p><p></p><p>The third part that you need to remember for a commercialization exposition theme is the purposes behind the item or administration that you are expounding on. I realize that there are a few people out there who will attempt to expound on anything they can to attempt to make it intriguing. In the event that you find that your client has given some data about their work, it is significant that you utilize that data to make it fascinating. Yet, the primary concern is that you need to ensure that you are introducing the subtleties of the item or administration in a manner that is intriguing and entertaining.</p><p></p><p>The fourth segment that you need to remember for commercialization exposition subjects is the advantage of the item or administration that you are expounding on. This is something that you need to ensure that you are giving a great deal of care. It is significant that you get into the advantages of the item or administration and disclose to the peruser why they ought to purchase it.</p><p></p><p>The fifth segment that you need to remember for industrialism article points is the procedure. There are various things that you can concentrate on with regards to a commercialization exposition theme. You may find that you need to tell about an issue or circumstance or even how something affected you. There are a wide range of ways that you can introduce your issues and the arrangements, and it is dependent upon you to figure out how to do so.</p><p></p><p>It is significant that you comprehend that there are a variety of ways that you can move toward a commercialization article. One of the manners in which that I regularly prefer to create industrialism exposition themes is to make a class for the point. For instance, in the event that you are going to discuss biting gum, you can place that into the classification of gum items. What's more, that way you can be progressively explicit about what you need to examine in the essay.</p><p></p><p>When you are searching for commercialization article points, it is critical that you think of various approaches to mov e toward the subject, and it is additionally vital that you build up the correct topic. On the off chance that you do those two things, at that point you will have the option to effectively make commercialization exposition subjects that are fascinating and entertaining.</p>

Argumentative Essay Topics For College Womens Issues

Argumentative Essay Topics For College Women's IssuesThere are a number of topic areas that are useful for writing an argumentative essay, including controversies and ideas surrounding abortion rights. As well, there are a number of sexual or gender-related subjects that can be used as topic options for an argumentative essay. Topic choices that are filled with controversy are an excellent way to create controversy in the reader. This type of content tends to stir the emotions of the reader, thus making them more likely to be moved to share their opinion.One of the primary argumentative essay topics for college women's issues includes arguments that stem from the right to choose one's reproductive health. These types of topics are perfect for those that have personal experience with either government involvement or a local clinic. The topics that stem from these types of subjects are also a great way to teach younger students how to properly weigh their feelings about issues that the y are trying to discuss. This is a good tool for people who are already in the workforce to use in their resumes.Another topic that is ideal for the argumentative essay is debate issues. This is perfect for the educator that has the ability to inform and inspire the reader. It is also a useful tool for those that are unsure of their skills. Students who are lacking in certain skills, especially in logic, may find this type of topic as a great way to improve their abilities.The topics surrounding sexual assault have become more prominent recently in college women's issues. Many argue that these topics are often overlooked and that they should be included as an argumentative essay topic. As well, the topic of pregnancy has become a hot topic due to the possible implications of the legal status of abortion in many parts of the country. It is therefore essential that the writer has the ability to convincingly make their arguments and connect them to the thoughts of the reader.The third argumentative essay topics for college women's issues is the relationship between abortion and birth control. This is an issue that seems to draw controversy among many people. Some argue that life begins at conception while others argue that abortion is a safe alternative to birth control. Arguments from both sides of the debate are usually what makes this subject controversial.The fourth argumentative essay topics for college women's issues includes arguments around equality and rights. As many people are brought up with the belief that the law follows an equal distribution of power between men and women, issues around how women are treated by other men in a societal context make a strong argument that men should have equal rights with women. The lack of equality is reflected in many organizations and society in general.On a basic level, these topics allow the writer to use controversial ideas to create controversy. Arguments that are complex and difficult to comprehend can be use d to stir up controversy in the reader. There are multiple points to each topic. This allows the writer to change the topic around and explore different angles to the same argument, thus making the essay more interesting and colorful.Argumentative essay topics for college women's issues are a great way to get the conversation started. This is a great way to convince people to support the issues that you are arguing for. It can also be used to increase confidence in one's skills and further an education.

Corey Booker College Papers - How to Win Essay Writing Competitions

Corey Booker College Papers - How to Win Essay Writing CompetitionsCorey Booker College Papers is the manual for winning article composing rivalries. It is an accumulation of techniques and tips for presenting your papers to a school article composing rivalry. Corey Booker College Papers has been intended to assist understudies with accomplishing higher evaluations and increment their odds of getting into their preferred school. This guide was planned with assistance from numerous well known composing experts.The whole arrangement was made by Corey Booker himself. He spent incalculable hours investigating the entirety of the best systems and best tips that he could discover, just as gathering huge numbers of his own. This guide is an incredible asset for understudies that are as of now in secondary school or school and might want to improve their grades.Corey Booker College Papers depends on what he realized as a secondary school understudy in the United States of America. A large nu mber of the methodologies that he examines are counsel that can be utilized by understudies everything being equal and backgrounds.It is imperative to recall that you will possibly improve as an author in the event that you continue rehearsing and improving your abilities with each paper you compose. Corey Booker College Papers gives a point by point breakdown of huge numbers of the top tips and techniques that he utilized while he was in secondary school. This will assist you with increasing a more noteworthy comprehension of why he decided to utilize those strategies.A extraordinary approach to expand your odds of getting into a school of your decision is to be composed. At the point when you begin on your exposition, you need to ensure that you are altogether arranged. Corey Booker College Papers gives you a broad manual for ensuring that you set up a solid resume and introductory letter, to making a successful and applicable article theme, and is making a coherent and powerful i ntroduction.Many of the systems and tips that he offers should be drilled and created by you, the ordinary perusers of this guide. On the off chance that you are a flat out tenderfoot to composing papers, this book will walk you through the basics.Corey Booker College Papers can assist you with figuring out how to make progressively enticing contentions and increasingly complex stories. The ideas that he instructs in this guide are useful for both undergrads and new essayists. You will have the option to improve your composing abilities and information on the best way to sort out your paper subjects.

Top Choices of Teaching Methods Essay Samples

<h1> Top Choices of Teaching Methods Essay Samples </h1> <p>The final product is the way that it thinks about the master improvement of graduating understudies contrarily. Additionally, it is trying for educators to tailor guidance to understudies at particular levels. </p> <p>Each part in a gathering beside adapting additionally has the obligation of helping colleagues to learn. An exercise plan created on a solitary strand for a solitary gathering of understudies won't really be as viable conveyed to an alternate gathering of understudies. The training method should allow the understudy and the educator to interface and have correspondence between the two gatherings along with have some input between understudies about what they're realizing. Despite the fact that it isn't the educator's business to engage understudies, it is vital to connect with them in the learning strategy. </p> <p>In end, apparently task expositions keep on getting a conspicuous part in tertiary instruction as an evaluation apparatus. This strategy is prudent, can be utilized for an incredible number of understudies, material can be tended to in an organized manner and the instructor has a decent charge of time and material. Subsequently, however settling on the most fitting strategy that works for your task is essential. Understudies should be completely aware of the test purposes and they have to realize they'll be elevated to the following class on the grounds of the test outcome Once again it should be referenced that test should be reasonable and the test outcome might be utilized for elevating understudies to next evaluation whenever they've been given a genuine opportunity to gain proficiency with all the materials remembered for test. </p> <p>The basic actuality that independent venture is as yet a critical area of the monetary development in the USA is considered by numerous financial experts, teachers and organization. Generally, the understudies are foreseen to hold fast to an arrangement of algorithmic methods for getting the hang of permitting them to get acclimated with the rationale behind checking and ascertaining numbers since the beginning. To have the option to carry out their responsibility well and with pro gress, educators must be solid and steady to instruct in an assortment of conditions with different types of circumstances. A few instructors are right now watching out for another technique that is continuously picking up fame called the flipped study hall (Goodwin and Miller 78). </p> <h2> The 30-Second Trick for Teaching Methods Essay Samples</h2> <p>Preparation by the educator is basic. Educators have their own instructing style however may likewise embrace a wide choice of training strategies dependent on the individual needs and capacities of the understudies. In the event that an educator needs to simply introduce the data, the individual in question utilizes a talk framework. </p> <h2> The Honest to Goodness Truth on Teaching Methods Essay Samples</h2> <p>If you're searching for a magnificent example of short article about instruction, you're at the best possible spot. Whenever you have a dire request, you should simply contact us, and we'll give quick article help. In the event that you might want to secure high great research and postulation papers in time and at a reasonable cost, you ought to most likely evaluate utilizing EssaySupply.com. A speedy Google search with the terms composing change'' will give you heaps of decisions to pick from so you may print out a rundown which is best for your child's age level. </p> <p>This article analyzes the clarifications for why task expositions are helpful for understudy learning and thinks about some of the issues with this strategy of appraisal. In all actuality, successful showing requires an appropriate meaning of phrasings, which may seem specialized to understudies. When it is regularly prescribed to have understudies truly comprehend the showing systems and not just retain realities, there are a few occurrences when realities must be remembered. Exposition approach models might be effectively available on the web. </p> <h2>What's Actually Happening with Teaching Methods Essay Samples </h2> <p>You may utilize the examples as an establishment for turning out to be the manner by which to write in the correct style. On the off chance that despite everything experiencing difficulty in choosing a point, watching is another way to view potential subjects. At definitely a similar time understudies should realize as far as possible to arrive at a resolution. On the off chance that they are missing for a specific explanation, at that point they can take a gander at the data that they missed at that point and can accomplish any work which the instructor requested that they do during the class. </p> <p>There are numerous words and expressions your author can use to get from section to passage. In the event that you're searching for help with your paper, at that point we give an extensive composing administration given by completely qualified scholastics in your general vicinity of study. It's jus t ordinary to be restless about recruiting an on-line paper author as you can not ever be certain whether you are utilizing the reasonable help or not. Any essayist who doesn't fulfill our necessities won't be employed. </p> <h2>The Appeal of Teaching Methods Essay Samples </h2> <p>It's an essential and fun learning approach. To make a profitable learning strategies initially Remember your understudies ought to be the recipients of your correspondence. An extra normal instructing path is to encourage data handling methodologies. The kind of research strategy that you follow is reliant on the sort of study. </p> <p>One of the chief objectives of your training exposition is the presentation of the peruser to some other thought or point. In the wake of having a subject to take a shot at, it is imperative to check if it's as per the utilization of the paper. The underlying and the most significant advance in article composing is certainly choosing a p oint that works. Posting planned subjects is an insightful activity for it's pivotal in assessing the themes. </p> <h2> Teaching Methods Essay Samples Secrets That No One Else Knows About </h2> <p>Effective educating of science advances proficiency in a manner that empowers students to get the capacity to address issues naturally. Again educators endeavor to agree with their students' inclination for figuring out how to their own one of a kind favored assortment of instructing systems. Despite the fact that a decent method to keep on keeping understudies drew in and, now and again, basically wakeful, relatively few homerooms utilize sensation learning exercises only. Given that each understudy has an alternate strategy of learning, it wouldn't have the option not out of the ordinary that one procedure of encouraging will likewise carry out the responsibility for the others at precisely the same pace. </p>

Mehrarry Medical College School of Dentistry Essay Template

<h1>Mehrarry Medical College School of Dentistry Essay Template</h1><p>This might be the second time that you have needed to compose a meharry clinical school of dentistry paper. The multiple times were extreme, yet not close to as troublesome as this one might have been. The first occasion when, you didn't have the foggiest idea what to compose or how to structure it effectively and you wound up composing up an insane thing that you were unable to try and read. Yet, this time, you knew precisely what to compose and you realized that this time, the article would be perfect.</p><p></p><p>The first thing that you have to know is that the meharry school of dentistry paper composing process is fundamentally the same as some other exposition. Indeed, some of them will nearly be indistinguishable. You need to plunk down and assemble an intelligent structure that will assist you with interfacing the pieces of your exposition so they are totally asso ciated. At that point you need to consider the central matter that you need to make, why you need to make it, and what sort of proof you need to help that point. It may take some time, yet you will in the end make an extraordinary draft that you can begin altering and polishing.</p><p></p><p>What occurs with meharry clinical school of dentistry expositions is that individuals get impeded in a ton of subtleties that they probably won't make certain of. At the point when you are sincerely busy something like this current, it's ideal to simply separate the segment into littler parts and permit yourself to be allowed to focus on only each part of the subject in turn. When you have a superior thought of the genuine article that you are composing, you will know precisely what segments to concentrate on and which ones to ignore.</p><p></p><p>One thing that you should do in meharry clinical school of dentistry expositions is to keep the conten t stream steady. You should attempt to keep a book stream outline that shows you the request for the different segments so you can tell when you have made an excessive number of jumps and not been certain about where to take the story. In the event that you are making jumps and don't have the foggiest idea where to take the content, you probably won't have the option to complete the article.</p><p></p><p>When you compose, ensure that you follow the configuration of two sections, a start and a consummation. The start is typically a synopsis of the material that you have to cover, the significant focuses that you need to make. In the subsequent passage, you may likewise need to make reference to that you have an end. You would prefer not to end the passage on an inappropriate note, however you would prefer not to give them the feeling that you are surrendering either.</p><p></p><p>If you utilize the meharry clinical school of dentistry a rticle format, you can make a quite decent framework of the significant areas of the paper. You can begin with the end, sum up the significant focuses, at that point close it off with a concise note to urge individuals to look at your site. You will at that point utilize the framework to compose the body of the article. What's more, in the event that you need to, you can incorporate a couple more sections that detail the online asset that you utilized, what the site offers, and why you think it is valuable.</p><p></p><p>You should know a smidgen about language when you compose the article, yet don't worry over it. Simply ensure that you make your passages composed and that you have a structure in place.</p><p></p><p>The main concern is that when you are composing meharry clinical school of dentistry papers, you have to put the nature of your work first. You would prefer not to sit around time composing an article that you can't be glad for. With the correct structure and some training, you will before long discover that the meharry clinical school of dentistry exposition composing process is actually very simple.</p>

Rc Cars Are A Fun, Interactive Hobby For People Of All Ages

RC cars are a fun, interactive hobby for people of all ages. RC cars come in a variety of shapes and sizes, and there s certain to be a car that works for you. It s important to identify what your RC wants and needs are at the very beginning of this process. Always make sure to do your research and compare your options to make sure that you fully enjoy this new hobby. Choosing a Car Build or buy? Firstly, do you want to build or buy? RC cars come in either fully assembled states that can just be pulled out and played with, or as a build-it-yourself option. Ready-to-run cars tend to be more expensive than Build your own kits, which is a reason many hobbyists gravitate towards kits instead. Regardless of which you buy, the basics should remain the same. There are always four parts to an RC car, the transmitter in the remote, and receiver in the car are the two that make up the radio-controlled portion of the vehicle. Then the motor and power source complete the equation. While each car is unique and the pieces may differ, all RC cars have these same basic components. Nitro or Electric? Another question you need to ask yourself is what kind of fuel you want your RC to run on. There are electric options, which run on batteries, or Nitro options, which require fuel. Nitro cars are faster and have more power behind them than electric cars do. However, Nitro options tend to need more maintenance and motor care, so beginners often gravitate towards the simpler electric option.Show MoreRelatedHk Disney16299 Words   |  66 Pages $11.2 billion 2006 335 million $11.5 billion 2007 341 million $12.0 billion (All figures are estimates) Sources: Amusement Business; Harrison Price Company; Economics Research Associates; TEA/ERA Global Theme Park Attendance Report; U.S. Census Bureau; PricewaterhouseCoopers; International Association of Amusement Parks and AttractionsRead MoreCase Studies67624 Words   |  271 Pagessymptoms Recognise the degree of certainty/uncertainty of acquired information. a. List all indicators (including stated ‘problems’) that something is not as expected or as desired. b. Ensure that symptoms are not assumed to be the problem (symptoms should lead to identification of the problem). Step 3: Identifying goals a. Identify critical statements by major parties (e.g. people, groups, the work unit, etc.). b. List all goals of the major parties that exist or can be reasonably inferred. Step 4: ConductingRead MoreExploring Corporate Strategy - Case164366 Words   |  658 Pagesand my nice City suits, I was completely naà ¯ve. Just a joke. I found that every Friday and Saturday night my door was taking  £30,000 and the security team was making  £40,000 on Ecstasy. It happens everywhere in the UK leisure business. There are all these fat bastards running chains of discos and bowling alleys, and none of them admits it. We went through a really traumatic time at the club.1 Palumbo changed his security team, bringing in security professionals from the North of England 1 Read MoreFundamentals of Hrm263904 Words   |  1056 Pagesbetter study smarter save money From multiple study paths, to self-assessment, to a wealth of interactive visual and audio resources, WileyPLUS gives you everything you need to personalize the teaching and learning experience.  » F i n d o u t h ow t o M A K E I T YO U R S  » www.wileyplus.com ALL THE HELP, RESOURCES, AND PERSONAL SUPPORT YOU AND YOUR STUDENTS NEED! 2-Minute Tutorials and all of the resources you your students need to get started www.wileyplus.com/firstday Student

Why Yale Essay Samples Is A Good Resource

<h1>Why Yale Essay Samples Is A Good Resource</h1><p>Yale exposition tests are maybe the most complete school composing test books that you can discover. This implies on the off chance that you need a basic article or a more extended exposition for your evaluation, this is most likely the best asset that you can utilize. On account of the broadness of data in this book, it is additionally the best asset to utilize in the event that you are searching for a particular kind of writing.</p><p></p><p>As you may have speculated, there are numerous utilizations for this book with regards to picking article tests. For instance, in the event that you are composing a theory paper and don't know where to begin, you can utilize this book as a guide. For the individuals who are composing an exploration paper, a short portrayal of your experience and how you came to be a piece of your theme are recommended.</p><p></p><p>Of course, i t is not necessarily the case that you can't compose an increasingly point by point depiction about your experience and work understanding on the off chance that you don't know what explicit subject you are expounding on. Obviously, this is one of the advantages of utilizing this book as a guide - you don't need to stress over explicit data in light of the fact that there is as of now a ton of data accessible. On the off chance that you are uncertain about your examination points, you can in any case inquire about them in detail through the models gave in the book.</p><p></p><p>Additionally, on the off chance that you don't know which kind of exposition you will be composing, you can utilize these articles as models. This is especially useful for the individuals who have not yet settled on which kind of composing they need to do. You can even get a couple of pointers about various kinds of paper themes by perusing the examples in this book.</p><p> </p><p>Another place where you can utilize these article tests is on the off chance that you are simply beginning as an author. It's essential to compose consistently on the off chance that you need to prevail as an essayist. Utilizing a book as a guide, you can begin with something generally little and develop into something that is somewhat more ambitious.</p><p></p><p>For model, on the off chance that you have not yet started to compose a novel, you can generally pick a theme and utilize the example papers as a manual for see what it resembles to compose a novel. Then again, in the event that you are taking a shot at an exploration paper or an individual article, you can utilize the example expositions as an approach to perceive how the point is worded and the style of composing that is utilized in that sort of paper. A little experimentation can go far in helping you to settle on the correct choices recorded as a hard copy your essay.</p> ;<p></p><p>Another place where you can utilize these papers is on the off chance that you are an alumni understudy or somebody who isn't seeking after a degree at Yale. A large number of the individuals that are seeking after degrees at this college are essayists, and in this way they should utilize these examples as advisers for perceive how to continue with their composition. Furthermore, in the event that you are an English educator, you may likewise need to utilize the books as advisers for help ensure that you have a smart thought of how your understudies ought to compose and how their composing should look when it is completed.</p><p></p><p>Finally, you can likewise utilize these exposition tests for either a postulation or research paper. Regardless of whether you are not exactly prepared to compose a theory paper, you can utilize these papers as a guide and verify focuses that you have to look into for your papers. Remember that thes e kinds of books can assist you with getting a few thoughts for your paper, however you ought to have the option to perceive how to start and what to expound on your own.</p>

How to Write an Expository Essay Topic For Third Grade

<h1>How to Write an Expository Essay Topic For Third Grade</h1><p>There are numerous approaches to compose a powerful paper and to organize it for an Expository article theme for third grade. This isn't just for the three evaluations above, yet additionally for more established kids too. The composing can be simple, inasmuch as you remember the rules below.</p><p></p><p>One of the most significant viewpoints with regards to composing an effective paper is the primary draft. At the point when you have made a duplicate of your draft, you should alter this by choosing what you need to incorporate. What is essential to incorporate and which parts should be wiped out? After this, you can proceed onward to the following point that will be an interpretive article subject for third grade.</p><p></p><p>An amazing thought is make a list of chapters for your paper. Ensure that every subject starts with a heading and afterward eac h section has the heading followed by the subheadings. This makes the article progressively sorted out and makes it simpler to read.</p><p></p><p>If you have pondered how to compose a descriptive paper point for third grade, it is presently time to get the opportunity to work. It is astute to begin composing as right on time as could be expected under the circumstances, as the data and realities should be gathered while you keep on perusing the material. Make certain to remember the key focuses for the start, yet don't stress over having everything stated.</p><p></p><p>The third approach to form an influential article about themes is to inquire as to whether you know anything about the current topic. On the off chance that you don't, don't stress, simply allude to the assets discovered on the web and you should discover the data you need. There are additionally a few online books that you can peruse and these will give you the data you need. An incredible asset for individuals who don't have the opportunity to go online is the library and they generally have a great deal of valuable books.</p><p></p><p>Another approach to sort out your understanding material and to make it speaking to the peruser is to make a title square. When you have chosen what themes you will cover, you have to utilize the titles so as to abstain from rehashing points. The title is the primary passage of the article and this is where you talk about what the article's point is. You can likewise utilize an alternate title for each article contingent upon the subjects you spread in each one.</p><p></p><p>There are numerous approaches to compose an explanatory exposition point for third grade, yet with these couple of tips you can incredibly improve your composing abilities. So whenever you are composing your next article, ask yourself how to compose an informative exposition subject for third grad e.</p>

Topics of Research Papers

<h1>Topics of Research Papers</h1><p>Topics of research papers can be unique, hypothetically, and for all intents and purposes on how the various parts of the Indian clan for an exploration paper. The primary contrasts are to the examination paper are commonly philosophical, just as sociological, and some of the time mental. Dynamic implies that it doesn't contain much in the method of subtleties on how the examination was led, hypothetical is just to talk about the various things that prompted the results.</p><p></p><p>The conceptual is the most significant piece of an exploration paper. It makes it all the more intriguing for the peruser. On the off chance that the theoretical is something that the peruser finds intriguing, at that point they will go ahead with the exploration paper. Nonetheless, if the theoretical is excessively unpredictable and appears as though it contains such a large number of things, the peruser will be exhausted wit h the whole research paper.</p><p></p><p>The next piece of an examination paper that is significant is the hypothesis. The hypothesis is likewise something that the peruser may end up confounded on. It is ideal to have a hypothesis that is clear with the goal that the peruser can follow the examination all through the whole research paper.</p><p></p><p>The brain science is critical in the humanism and sociological research paper. It is critical to discuss social issues, for example, bigotry, and how society changes because of them. The hypothesis ought to be obvious to the peruser as well.</p><p></p><p>Sometimes the hypothetical piece of the exploration paper is additionally considered as the hypothesis. It is in every case best to introduce thoughts that can be appeared in the examination. This is the reason it is ideal to have exceptionally solid models in the hypothesis to the peruser. This can give the perus er an away from of what the genuine consequences of the examination were.</p><p></p><p>Lastly, the last piece of an exploration paper is the pragmatic. The viable is something that ought to be accurate just as of the creator's information. For instance, if the creator expounded on a move that is one of a kind to the clan for an exploration paper, they ought to really have the option to give instances of individuals moving to it, and in any event, moving to it.</p><p></p><p>It is ideal to have a subject for each piece of an examination paper. It very well may be hard to discover the best theme to utilize, in any case, when you get to it. You can basically inquire about every theme independently, and afterward after you have it, begin exploring and writing.</p><p></p><p>In general, every subject has its own exceptional qualities that ought to be utilized in your examination paper. In any case, it should all be app licable to the subject of the exploration paper itself. The best activity is to record each piece of an examination paper independently, and afterward work everything together into a solitary research paper.</p>

Scientific Research Essay Topics

<h1>Scientific Research Essay Topics</h1><p>Writing a logical article subject is something other than introducing data. The thoughts ought to be founded on genuine information. In this manner, the point should consider data that can be verified.</p><p></p><p>There are various research subjects that can be inquired about by utilizing realities. Another technique is utilize testable hypotheses. Knowing which strategies work best can assist the essayist with becoming acquainted with the information. This will make it simpler for the author to introduce the realities in a reasonable way. The points may likewise require explicit devices, for example, programming and a solid source.</p><p></p><p>A third method of composing a logical theme is to utilize speculations or triggers to trigger impacts. For instance, on the off chance that you were looking into an inquiry concerning how corals change shading, you would have two spe culations about what the trigger would be. One hypothesis would state that the corals do change shading, and the other hypothesis says that they continue as before shading. Which one is correct? Knowing which hypothesis is right is important.</p><p></p><p>Some different themes for science papers incorporate environmental change, cloning, and logical strategies. Individuals have been taking a shot at these themes for quite a while. A portion of the occasions that have occurred are simply being found at this point. A few hypotheses that are as yet being considered are speculations that have not been tried yet.</p><p></p><p>Other thoughts for logical research papers are those on horticulture and nourishment. For instance, in agrarian research papers, specialists would frequently concentrate how various varieties influence a plant's development and nourishment. This incorporates plants as well as creatures too. There are additionally a few research papers on how harvests assimilate and use water, including corn, wheat, rice, potatoes, oranges, and even specific sorts of vegetables.</p><p></p><p>Organic Farm Product is a point that manages horticulture and sustenance. It is a major theme, however it tends to be part into two distinct classes: one for items that were made by people, and one for items that were made by the Earth itself. Various sorts of nourishments are examined here. Individuals may even discover how creatures become ill. Realizing how plants grow additionally helps in knowing how they can be handled for food.</p><p></p><p>An significant piece of research papers is getting some answers concerning better approaches for getting things done. For instance, finding out about DNA sequencing can assist the researcher with creating tests to check whether certain conditions are given from age to age. The tests are additionally utilized in hereditary qualities. Thi s makes this data an extraordinary hotspot for family history examine papers. Despite the fact that ancestry investigate papers may appear to be basic, there are a wide range of viewpoints that are engaged with finding an answer for a mystery.</p><p></p><p>All sorts of points for science expositions can be inquired about. It will all rely upon the examination paper's subject. In any case, to compose an exposition that is both elegantly composed and reality based will require the utilization of good research ideas.</p>

Choosing AP CCCOT Essay Topics That Are Best For You

Choosing AP CCCOT Essay Topics That Are Best For YouAP CCCOT Essay Topics is the foundation upon which your composition is built upon. Though you may have a diverse selection of topics, it will still be wise to choose one or two that you feel most comfortable with. Following are three tips that you should consider in choosing topics for your AP CCCOT essay.Your decision to select a topic should start with your class schedule. Determine when you will be able to write the essay, and be sure to prioritize the different essay writing sessions based on the number of syllabuses remaining for the semester. If you need extra time, be sure to designate another time to write your assignment.You will also want to consider which topics you are the most comfortable with. Think about the topics that have been best for you at your previous colleges or universities, or at other educational institutions. The topics that interest you the most will likely be the topics that you will want to tackle. It is important to keep this in mind as you begin to compile a list of AP CCCOT essay topics.After deciding on a topic, your next step will be to create an outline for your essays. Writing outlines allow you to determine the structure and overall layout of your essay. It is a good idea to use a template when creating your outline. You may be surprised to learn that you will find that the structure of your essay is closely tied to the structure of your outline.It is a good idea to get some help from family members or friends when creating your outline. These individuals will have a better understanding of what your assignments will consist of and will be able to offer suggestions for changes. You will also have someone to consult when you get stuck and need to find the answer.The last thing that you should consider doing before you begin writing the actual essay is to select a cover letter. You should be able to identify the important information that you want to include on your cover l etter. By including this information in your cover letter, you will be able to make a more effective first impression when it comes to potential employers.Cover letters are powerful tools. They can go a long way towards helping you land your dream job. In addition to including vital information on your resume, they can make the difference between a job offer and rejection. Without being able to gain the trust of a potential employer, you may find yourself unemployed for months.When your list of topics has been compiled, the next step will be to read through each one carefully and prepare a quality review. This is also a good time to eliminate your top three options from your own list. You will then be able to focus your attention on the topics that are truly in line with your interests.

Danger Signs on Research Paper about Education Sample You Must Know About

<h1> Danger Signs on Research Paper about Education Sample You Must Know About </h1> <p>A paper could have a few informative supplements. To form an exceptional paper, you ought to completely choose your point. Accordingly, in the event that you'd prefer to utilize some increasingly supportive materials, don't be terrified to buy tweaked expositions at EssayBasics.</p> <p>An training article is basically a paper, which discusses different aspects of instruction. It serves to make space for mechanical progressions in the field of medication and horticulture. Simply, it's just sensible to state that training is basic. Accepting a web training is turning out to be progressively increasingly famous on account of huge number of preferences it has over customary guidance. </p> <p>Back to the understudies, among the great advantages of on-line instruction is that students can learn at their own speed. Concentrating on a specific piece of instruction will deliver the work less lumbering and you'll have a particular course for youreducation article. It is one of the most assorted controls that any school brings to the table, and there are various approaches to making training paper. Having training offers you the shrewdness and aptitudes basic to exceed expectations in a gifted and work air. </p> <h2> The Research Paper about Education Sample Chronicles</h2> <p>You may constrain the range of your paper by various variables, for example, time, work force, sexual orientation, age, geographic spot, nationality, and so on. On the off chance that an individual is flanking the destitution line, they couldn't stand to stay in urban zones exclusively with their profit. In the event that there's a gathering between two people who have a p lace with totally various societies, yet have precisely the same measure of instruction, they'll have the option to understand each othernot with regards to language, yet concerning standpoint. The opportunity to choose your instructive way is a suffering nature of on-line training. </p> <p>Research Paper isn't an undertaking for a solitary day. An individual ought to understand that each Research Paper is an advanced composing since it must contain unmistakable research and particular thought. The more you grasp the more straightforward it's for you to make a flourishing exploration paper. </p> <p>During your first year or when you begin to accept that you may decide to go to graduate school, you should move toward workforce to enter their research facility during the scholastic schedule year. Regularly, tutoring is very crucial to human life since school is seen as an establishment which works with youth to build society or assist understudies with understa nding their singularity. Training has a basic impact in molding effective people. Our instruction is really worth venture. </p> <p>On-line learning is perceived and restricted in numerous bits of the planet. Training is a somewhat mainstream theme in the advanced society since it is a wellspring of disappointment for citizens. Having training is incredible for everyone! </p> <p>Even on the off chance that you have important information, it very well may be truly precarious to introduce it in a suitable deliberate way in accordance with the guidelines of formalization. Sources introducing wrong and old data with respect to the current subject weren't utilized for the points of the examination. Make rules of what you might want to accomplish in your examination. When leading a web look into the importance of the information utilized need to get affirmed. </p> <p>The transient riches making impact brought by cryptographic forms of money has a marvelo us effect, however later on, it may be just a sprinkle. It's basic that you slender down the span of your work with the goal that you could have a specific bearing for moving toward the subject. For instance, for a grown-up individual seven days is a staggeringly short timespan, while for a newborn child seven days is an extremely critical period. There are a considerable amount of clarifications for why sex instruction is applicable since early on. </p> <p>After you settle on your theory, you should try to place it in the correct recognize the past sentence of the absolute first passage. You may likewise observe continue layout. Beside a report plot and an introduction layout, an examination paper diagram is among the most continuous sorts of blueprints you're well on the way to experience in a specific field. By examining different diagram tests, you're ensured to concoct the perfect research paper layout in for all intents and purposes no time.</p>

Research Topics About Social Issues

<h1>Research Topics About Social Issues</h1><p>Social issues can be hard to expound on, and for a few of us, it's a smart thought to examine them as meager as could be expected under the circumstances. It is once in a while a test to adjust the requirements of an issue and the capacities of those expounding on it. In any case, on the off chance that you need to improve your composition on these issues, here are some tips.</p><p></p><p>Always start your examination points about social issues by exploring the primary theme. On the off chance that you start by seeing something like gay rights, you'll see that the thoughts are progressively evolved when you start by taking a gander at the issue of gay marriage. To do this, start with a significant piece of the story or issue.</p><p></p><p>In terms of gay rights, for instance, the top issues with the discussion have been work separation, youngster care and reception, etc. B y finding these and their neighborhood edge, you can improve handle of how they fit into the bigger story. You'll have increasingly pertinent thoughts and data when you start by exploring what the huge issues truly are.</p><p></p><p>Once you've chosen the primary issue, it's an ideal opportunity to take a gander at different issues on a similar theme. To do this, do a little research on the point you're chipping away at. Consider its nearby circumstance and see what is being considered by the different gatherings in your neighborhood. It might be significant for you to talk with individuals in your own locale who might be associated with the issues you're researching.</p><p></p><p>Ask around and you'll get some alternate points of view on the issues you're looking into. Utilize this data when you start composing. Individuals will frequently offer you guidance on the most proficient method to compose the best report you can.</p>&l t;p></p><p>The subsequent stage is to compose the exploration subjects utilizing the data you've found. Attempt to keep the themes current, yet make certain to abstain from wandering excessively far from the focuses that have been considered and talked about. In the event that you choose to utilize articles for your examination points, you can arrange them together in an increasingly durable manner in the event that you keep the entirety of the articles together.</p><p></p><p>Using articles as research subjects doesn't really imply that you have to invest a ton of energy into inquiring about these things. You can discover a lot of sources on the web and in print for the data you need. Sometimes, you might have the option to discover look into legitimately from specialists in the field.</p><p></p><p>Research themes about social issues are difficult to expound on, however on the off chance that you take care to not wander excessively far from the realities of the circumstance, you can be fruitful. In the event that you investigate the issues cautiously, you can transform an article into a significant wellspring of data. For more data, visit the connections below.</p>

Wind Power Essay Writing - Key Takeaways

Wind Power Essay Writing - Key TakeawaysSo you are thinking about using your wind power as a business opportunity. You've done your research, you've narrowed down your options, and now you're ready to take action. You're going to create your wind power essay and start the next stage of your journey toward becoming a wind power entrepreneur.Now, it's important that you take the time to understand what this opportunity is all about before you write the wind power essay. Take some time to look at the definition of the industry and get a basic understanding of what it is and how it works. You also need to be familiar with some of the key players that you will encounter during the essay writing process.This first part of your wind power essay writing process will give you a good foundation to build on. In addition, this will help make the goal and purpose of your wind power business a little more concrete. If you don't take the time to learn about wind power and what it is, then you'll be shooting in the dark when it comes to building your wind power business.There are two basic fundamental parts to this kind of business. The first part is the manufacturing of wind turbines. The second part is supplying the wind turbine blades and other parts for those turbines. In addition, you'll need to produce, or procure, wind power to run your turbines and the power to provide electricity for your home.The internet is a great tool for learning about how wind power works. Check out places like whattoinvesting.com, learnfromhome.com, and even venturefortrade.com.So, when you're preparing your wind power essay, take some time to do some research. Find out as much as you can about the industry. Learn about the manufacturers, the vendors, and the companies that are providing the parts for your turbines. This is all very important.It's also important to get some training from a reputable company that will teach you how to construct your own home-based wind power system at your own h ome. You can pay as much as $2500 or more for this kind of training. Take some time to get started by starting with a free class offered online.Your essay should include your goals, your dedication to the business, and your personal history. Your employer will want to know what kind of person you are. Make sure that you focus on what you hope to accomplish by using your wind power as a business opportunity.

Benefits of Risk Taking Essay Samples

Benefits of Risk Taking Essay SamplesMany students would probably think that the term 'researcher' does not really apply to their school projects and essays and that they cannot use these pieces to make a career in academia. However, you should never be discouraged by this thinking. Research does apply to all of the areas in life where you are concerned and will help you on your way to becoming a successful researcher.In academia, research is sometimes very important for your career development. A job in academia, such as a tenure-track position, will usually require a good performance record and will sometimes be considered after your dissertation, which is also known as your dissertation defense. You may have to write many papers and defend them to a committee. These duties can be quite stressful, but if you learn how to conduct research correctly, they can be fun.You may think that the essay samples that you receive from the course are not good enough and that you should be able t o come up with better ones on your own. The truth is that you can come up with a high quality research paper on your own. You will just need to do some brainstorming and let your creative juices flow.If you are worried about coming up with ideas, consider hiring a private tutor or ask your friends or family members for suggestions. Remember that most college courses do not go over the main idea that you will be writing your paper for. Instead, the professor will outline your major ideas and ask you to work on each one.If you do not know how to conduct research yourself, do not worry. The academic advisor will provide you with everything you need to know about writing research papers and essays. Remember that your advisor is there to guide you and help you along the way to success. You will not have to come up with original ideas.One of the benefits of using an academic advisor to help you out with your research is that he or she will always have the answers to your questions. Your a dvisor is there to guide you and to give you direction. So if you feel lost or uncertain about what to do, talk to your advisor.You do not have to do all of the work yourself. A good academic advisor will help you out, but it is also true that he or she may be better off letting you do the bulk of the work. This will save you both time and energy and may be worth the effort. Always remember that your advisor is there to help you and to guide you along the way to success.

Asian American And Pacific Islanders - 2310 Words

Introduction Asian American and Pacific Islanders (AAPI) are one of the fastest growing minorities in the United States. Despite their mainstream success academically and financially, hence the model minority myth that has been associated with AAPIs, they continue to face many challenges in seeking mental health services in their communities. Although the exact number of AAPI youth with mental illness is not known, research suggests that Asian American youth are at high risk. †¢ Asian American adolescent boys are twice as likely as Non-Hispanic whites to be physically abused. †¢ AAPI females have the highest rates of suicidal ideation of any ethnic group between the ages of 15-24 †¢ 30 percent of Asian American females in 5th through 12th†¦show more content†¦Since parents are not likely to identify mental health symptoms in their children, teachers and staff members at schools may be more likely to identify symptoms and refer children to mental health treatment. Therefore, the research question that is being examined is whether school-based mental health (SBMH) services are effective for treating depression and anxiety in Asian American adolescents between the ages of 12 and 18. Evaluation of Evidence Most of the articles were found under the social services abstract from ProQuest Databases. Some keywords that were used in the search bar included a variation of Asian American mental health, mental health treatment, Asian American adolescents, school based mental health intervention, SBMH, and depression. Articles worth reading needed to be relevant to the research question, peer-reviewed, and published within the last 10 years. Articles that were meta-analytic reviews were excluded. Author(s) Sample Size Intervention Outcome Findings Anyon, Ong, Whitaker 8,466 SBMH a)Asian students report significantly lower risk factors for poor mental health compared to other racial minority adolescents, with the exception of depressive symptoms. Self-reports of depressive symptoms did not associate with higher service use for Asian students. Asian students underutilize SBMH

Final Project of Fin619 Free Essays

string(62) " open auction to a consortium of Abu Dhabi Group and Bestway\." [pic] Pass Dear Student you are declared PASS in your written work. Start preparing for presentation viva voce and improve your work according to the given instructions and guidelines available at VULMS of your course under the icon DOWNLOADS after clicking COURSE WEBSITE at VULMS. Also read lesson # 7 of this course in this for effective preparation of your presentation slides. We will write a custom essay sample on Final Project of Fin619 or any similar topic only for you Order Now For any course related query and information, you can contact us via MDB, Email (fin619@vu. edu. pk) and telephone (92 (42) 111 880 880 (Extension: 8851 or 3941). RATIO ANALYSIS OF ASKARI BANK, UNITED BANK AND BANK ALFALAH FOR THE YEARS 2009, 2010, 2011 A PROPOSAL FOR REPORT TO BE SUBMITTED TO THE DEPARTMENT OF MANAGEMENT SCIENCES, VIRTUAL UNIVERSITY OF PAKISTAN IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER IN BUSINESS ADMINISTRATION (MBA-Exec) Submitted By: AAMIR SHAHZAD MC100403644 MBA-Exec (Finance) SUBMISSION DATE: 02-02-2013 Virtual University of Pakistan Letter of Undertaking Job confirmation letter [pic] Dedication I would like to dedicate this project to My parents My Wife My Kids Ashar Ali Mubashar Ali Acknowledgement All my efforts for my MBA and this Project would have been nothing with out the help and grace of Almighty Allah and I am always Gratified to Blessings of Allah. More than anybody else, I would like to acknowledge my uncle Mr. Ashfaq Ali Tabassam for his never ending support. He always guided me whenever I felt stuck off and his encouragement always worked as moral booster for me. I would like to extend my special thanks to my friend Mr. Aamir who advised me time to time and provided me technical assistance. I am highly indebted to my boss in my organization Mr. Muzaffar Ali who spared me and gave me ample time, out of my professional commitments, to go all out for my MBA from Virtual University of Pakistan. Executive Summary The purpose of this report titled â€Å"RATIO ANALYSIS OF ASKARI BANK, UNITED BANK AND BANK ALFALAH FOR THE YEARS 2009, 2010, 2011†is to investigate the financial performance of these banks during the mentioned period. The first chapter of this report deals with introduction of project and banks under study, financial period under consideration, objectives and significance of the project. The second part is about data processing and analysis. The fourth chapter is about calculation of different ratios its comparison and interpretation. In last chapter conclusions and recommendations have been given. The data for the study is collected from financial repots of the banks which are available on theirs respective websites. The financial reports included the balance sheet, income statement and cash flow statements. As regards to finding of study, the Net Profit Margin ratio of Askari and bank Alfalah is low as compare to UBL. UBL is also on top in gross spread ratio, return on equity, debt ratio and Advance/Deposit ratio. While Askari Bank has better cash flow ratio and Price/Earning ratio. It is recommended for Bank Alfalah and Askari bank to cut down their non markup expenses to improve their Net Profit Margin Ratio while, on the other hand their turnover is satisfactory. UBL and Alfalah should decrease their current liabilities and ensure the availability of more liquidity to meet short term debts. Askari bank and bank Alfalah both banks need to adopt measures to cut down their interest expenses in order to increase their gross spread ratio. In order to increase non interest income Askari and Alfalah needs to increase their earnings through fees, commissions and other advisory charges etc. In Advance/Deposit ratio Askari bank and Alfalah should have to utilize their deposits in more projects either through corporate financing or general public financing. Table of Contents Section I Chapter 1†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦8 †¢ 1. 1 Introduction of the project †¢ 1. 2 Banks Introduction †¢ 1. 4 Period Under Consideration †¢ 1. 5 Objectives †¢ 1. 6 Significance Chapter 2†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦11 †¢ 2. 1 Data Collection 2. 2 Data Processing and Analysis Chapter 3†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 12 †¢ 3. 1 Net Profit Margin †¢ 3. 2 Operating cash flow ratio †¢ 3. 3 Gross Spread ratio †¢ 3. 4 Non-interest income to total income ratio †¢ 3. 5 Spread ratio †¢ 3. 6 Advances/deposit ratio †¢ 3. 7 Return on total equity (ROE) †¢ 3. 8 Debt ratio †¢ 3. 9 Debt/Equity ratio †¢ 3. 10 Price/Earning ratio Chapter 4†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 26 †¢ 4. 1 Conclusions †¢ 4. 2 Recommendations Section I †¢ a) Student Introduction †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦29 †¢ b) Bibliography †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦30 Section I Chapter 1 1. Project Introduction The financial ratio analysis techniques referred to in this aid could be useful to analyze any company financial performance. This study is also going to investigate the financial performance of three mentioned banks e. g. Askari bank, united bank and Bank Alfalah. These banks are surveying in the Pakistani Market and are competitors each other. Hence this study is going to find out which bank has strong financial position over other two banks. With the help of financial ratio analysis we can analyze the financial position of any company. Many stakeholders, investors, creditors may analyze any company, firms financial position with the help of ratio analysis before taking any important decision regarding to investments or any other. Therefore financial ratio is a mathematical correlation among several numbers often stated in the form of percentage, times, or days. 1. 2 Banks Introduction Askari Bank was incorporated in Pakistan on October 9, 1991, as a public limited company. It commenced operation on April 1, 1992, and is principally engaged in the business of banking, as defined in the Banking Companies Ordinance, 1962. The Bank is listed on Karachi, Lahore and Islamabad Stock Exchanges. Since inception, the bank has concentrated on growth through improving service quality, investment in technology and people, utilizing its extensive branch network which includes Islamic and Agricultural banking. United Bank Limited (UBL) was incorporated in Pakistan on November 7th 1959. In 1963 the bank opened its first overseas branch in London, United Kingdom. In 1971 the UBL was nationalized by the Government. In 2002, the Government of Pakistan sold it in an open auction to a consortium of Abu Dhabi Group and Bestway. You read "Final Project of Fin619" in category "Essay examples" Currently UBL is one of the largest commercial banks in Pakistan having more than 1,220 online branches inside the country. Its 15 branches outside the country are in the United States of America, Qatar, UAE, Bahrain, and Republic of Yemen. It also has representative offices in Tehran (Iran), and Almaty (Kazakhstan). It owns subsidiaries in the UK (United National Bank Limited), and in Zurich (Switzerland). Bank Alfalah Limited was incorporated on June 21st, 1992 as a public limited company under the Companies Ordinance 1984. Its banking operations commenced from 1st Nov, 1997. The Bank is currently operating through various branches in Pakistan, Bahrain, Bangladesh Afghanistan, with the registered office at B. A. Building, I. I. Chundrigar, Karachi. Strengthened with the banking of the Abu Dhabi Group and driven by the strategic goals set out by its board of management, the Bank has invested in revolutionary technology to have an extensive range of products and services. During the past five years, Bank Alfalah has emerged as one of the foremost financial institution in the region endeavoring to meet the needs of tomorrow today. 3. Financial Period Under-Consideration for Analysis: Financial period under consideration for analysis (2009, 2010, 2011) 4. Objectives 1. To analyze the selected banks efficiency in managing their resource for generating profit 2. To composition of capital structure of the selected banks, how much of the bank’s assets are financed through external and internal debt. 3. To find out that how effectively selected banks are maximizing their profit by controlling their interest expenses. 4. To compare the selected banks interest income with their interest expenses. 5. Are banks able to pay the current liabilities from their cash equivalents? . Significance The significance of these projects may include the following 1. The finding of this research will be more beneficial for investors, creditors, to take good decision after seeing the result of ratio. They can easily analyze the bank position through this study result. Bank Management may also study the finding of this study to determine the success or failure of particular sales, m arketing as well as financing strategies. 2. At the end of this research, we will be able to get which bank is more able to pay its current liabilities from their cash equivalents. 3. The major outcomes of this research, this study will clear the concept regarding to financial ratio analysis in banking sector by applying different ratios. 4. This research may help the stakeholders to analyze financial ratios result before taking any serious decisions. 5. Financial mangers of selected banks also take advantages from this study to identify their bank strengths and weakness and will improve their poor areas. Chapter 2) Data Processing Analysis 1. Data Collection Sources Study has used three banks annual reports/balance sheet, income statements, cash flow statements for data analysis and data processing. In research only secondary would be used to access the objectives which are mentioned as above. The study has used secondary sources to access the objectives of this research. The sources of this research were three banks websites. Annual reports were collected from the websites 2. Data Processing and Analysis Tools: Data was processed, analyzed and all the entry has done on excel sheet. Hence Study has used Excel sheet for data analysis and for calculation purpose. Result has been displayed on MS world in tabulation form with interpretation. Chapter 3) Data Analysis Ratio Analysis 1 Net Profit Margin Significance Net profit margin ratio explicit the profitability of the institution against the revenue. It will also define the performance of the company in its operations in the market. So, shareholders assess it carefully in order to take their economic decisions. FORMULA: Net profit margin= (Net profit/ Revenue) *100 |Banks |2009 |2010 |2011 | |UBL |9,192,687/61,107,025*100 |11,159,930/59,331,761*100 |15,499,663/70,450,475*100 | | |15. 4% |18. 81% |22. 00% | |Askari Bank |1,097,507/22,586,736*100 |943,177/27,952,162*100 |1,627,698/32,766,351*100 | | |4. 86% |3. 37% |4. 97% | |Bank Alfalah |897035/35561312 *100= |968452/37530256*100= |3503130/44298178*100= | | |2. 2% |2. 58% |7. 91% | |Banks |2009 |2010 |2011 | |UBL |15. 04 |18. 81 |22. 00 | |Askari Bank |4. 86 |3. 37 |4. 97 | |Bank Alfalah |2. 2 |2. 58 |7. 91 | [pic] Interpretation and comparison The analysis of above table and graph depicts that the Net Profit Margin of all the Three banks is increasing. UBL is on the top with 15. 04% earnin g in the period of 2009 and increasing in the respective years with 18. 81% in the year 2010 and 22% in 2011 which shows a positive trend which is due to the stringent control on operating expenses . While on the side, Askari bank Profit margin shows minor fluctuation with 4. 6% in the period 2009 then decreases in 2010 to 3. 37% owing to increase in non markup expenses and increases to 4. 49% in the year 2011. Profit margin of Bank Alfalah is also showing positive ness which is 2. 52% in 2009 and 2. 58% in the year 2010 and sore up to 7. 91% in 2011. 2 Operating Cash Flow Ratio Significance The ratio explains the cash flows of the bank or company which it earns by its operations and analyze it against it current liabilities to determine how well a company is in paying its debts which fall due in the financial year. FORMULA: Operation Cash Flow Ratio= Net cash generated from operating activities/ Current Liabilities |Banks |2009 |2010 |2011 | |UBL |23,099,432/262214540= |100,070,348/369628811= |108,571,682/407621100= | | |0. 09 times |0. 27 times |0. 7 times | |Askari Bank |36,245,071/49327164= |35,810,016/114583064= |36,491,839/14943963= | | |0. 73 Times |0. 31 times |2. 44 times | |Bank Alfalah |19945927/350833577= |18112043/184831395= |54274913/194917015= | | |0. 06 times |0. 0 time |0. 28 time | |Banks |2009 |2010 |2011 | |UBL |0. 09 |0. 27 |0. 27 | |Askari Bank |0. 73 |0. 31 |2. 44 | |Bank Alfalah |0. 06 |0. 0 |0. 28 | [pic] Working Current Liabilities of UBL 2009 2010 2011 †¢ Bills payable (Short term) 5,147,259 5,045,815 5,879,043 †¢ Borrowings (Short term) 35,018,765 44,187,313 45,534,286 †¢ Deposits and other accounts (Short term) 209,685,205 319,797,360 340,999,875 †¢ Liabilities against assets subject to finance Lease (Short term). – – – †¢ Other liabilities (Short term) 12,363,311 369,628,811 407,621,100 †¢ Total 262,214,540 369628811 407,621,100 Working Current Liabilities of Askari Bank 009 2010 2011 †¢ Bills payable (Short term) 2,945,6703,089,9842,756,032 †¢ Borrowings (Short term) 19,300,16325,554,7772,758,043 †¢ Deposits and other accounts (Short term) 22,247,84228,646,7715,516,086 †¢ Liabilities against assets subject to finance ease (Short term). – – – †¢ Other liabilities (Short term) 4,833,48957,291,5323,913,802 †¢ Total 49,327,16411458306414,943,963 Working Current Liabilities of Bank Alfalah 2009 2010 2011 Bills payable (Short term) 3,766,144 4,521,533 5,403,453 †¢ Borrowings (Short term) 20,107,541 13,050,006 17,060,524 †¢ Deposits and other accounts (Short term) 320,249,261 161,368,880 165,257,870 †¢ Liabilities against assets subject to finance lease (Short term). 4,429 3,031 – †¢ Other liabilities (Short term) 6,706, 202 5,887,945 7,195,168 †¢ Total 350,833,577184,831,395194,917,015 Interpretation and comparison The analysis of the above table and graph show that Operating Cash Flow of UBL is 0. 09 times in the period 2009 and 0. 27 times in the periods 2010 and 2011 shows consistency in respective years. While the cash flow of Askari bank is 0. 73 times in 2009 and decreases to 0. 31 times due to decline in cash generated from operating activities and increases to 2. 44 times in the year 2011 due to the decline in short term liabilities and increase in cash generation. Cash flow of Bank Alfalah is 0. 6times in the year 2009 and 0. 10 times in 2010 and 0. 28 times in the period 2011 shows increasing trend. 3 Gross Spread Ratio Significance It is being calculated by dividing the difference of interest earned and expensed by interest expensed on the deposits of the public. It will help to measure the markup income of the bank in the reporting period. FORMULA: Gross Spread Ratio = (Mark-up / return / interest earned – Mark-up / return / interest expensed) / Mark-up / return / interest earned*100 Banks |2009 |2010 |2011 | |UBL |61,107,025- 28,163,787= |59,331,761- 24,997,188= |70,450,475 -31,025,869= | | |32,943,238/61,107,025= |34,334,573/59,331,761= |39,424,606/70,450,475= | | |53. 1% |57. 87% |55. 96% | |Askari Bank |22,586,736 – 13,554,078 = |27,952,162 – 17,936,616= |32,766,351- 22,699,583= | | |9,032,658/22,586,736 = |10,015,546/27,952,162= |10,066,768/32,766,351 = 30. 72 % | | |39. 99% |35. 3 % | | |Bank Alfalah |35561312 – 24654180 =10907132/35561312 =|37530256 – 23855448= |44298178 –25687485= | | |30. 67% |13674808/37530256 = |18610693/44298178 = | | | |36. 44% |42. 01% |Banks |2009 |2010 |2011 | |UBL |53. 91 |57. 87 |55. 96 | |Askari Bank |39. 99 |35. 83 |30. 72 | |Bank Alfalah |30. 67 |36. 44 |42. 1 | [pic] Interpretation and comparison The analysis of the above table and graphical representation shows the Gross Spread Ratio of UBL 53. 91% in the period 2009 and increases to 57. 87% in the p eriod 2010 and then decreases to 55. 96% in 2011 respectively, UBL is on the top in interest earning in the market. Askari bank ratio is 39. 99% in the period 2009, 35. 83% and 30. 72% in the periods 2010 and 2011. While Bank Alfalah ratio is increasing from 2009 to 2011 with 30. 67%, 36. 44% and 42. 01% which is better marginally then other banks. But UBL is earning more as compare to other two banks due to better policy making and service. 4 Non-Interest Income to Total Income Ratio Significance It is other income which a bank earn from its services related to non markup sources such as advisory services and consultation provided in risk management etc. It describes the percentage of non interest income to total income of the bank or company. FORMULA: Non Mark-up / interest income to total income ratio= non mark-up / interest income / (non mark-up / interest income +Mark-up / return / interest earned)*100 Banks |2009 |2010 |2011 | |UBL |11,419,571/72526596= |10,090,162/69421923= |12,718,253/83168728= | | |15. 75% |14. 53% |15. 29% | |Askari Bank |2,544,415/25131151= |2,800,297/30752459= |2,902,921/35669272= | | |10. 2% |9. 11% |8. 14% | |Bank Alfalah |5182253/40743565 = |4708161/42238417= |5367713/49665891 = | | |12. 72 % |11. 15% |10. 81% | |Banks |2009 |2010 |2011 | |UBL |15. 5 |14. 53 |15. 29 | |Askari Bank |10. 12 |9. 11 |8. 14 | |Bank Alfalah |12. 72 |11. 15 |10. 81 | [pic] Interpretation and comparison The analysis of the above table and graph shows the Non Interest income of all the three banks with the highest ratio of UBL which is 15. 75% in the period 2009 and 14. 3% in the period 2010 and in 2011 is 15. 29% in comparison with Askari bank and Bank Alfalah. Askari Bank earn 10. 12% in the period 2009 and 9. 11% and 8. 14% in 2010 and 2011 which is declining. While Bank Alfalah ratios are 12. 72%, 11. 15% and 10. 81% in the years 2009, 2010 and 2011 is declining respectively. So, UBL shows better ratio as compare to the other banks in all the three years. The Results shows that UBL shows fluctuation while the other banks ratios show declining trend. Working of Total income of UBL Total Income= (Non mark-up / interest income +Mark-up / return / interest earned)    |Total Income |   |   | |Non Mark-up/interest income |11,419,571 |10,090,162 |12,718,253 | |Mark-up/return/interest earned |61, 107,025 |59,331,761 |70,450,475 | |Total Income = |72526596 |69421923 |83168728 | Working of Total income of Askari Bank    |Total Income |   |   | |Non Mark-up/interest income |2,544,415 |2,800,297 |2,902,921 | |Mark-up/return/interest earned |22,586,736 |27,952,162 |32,766,351 | |Total Income |25131151 |30752459 |35669272 | Working of Total Income of Bank Alfalah Total Income= (Non mark-up / interest income +Mark-up / return / interest earned) |   |Total Income |   |   | |Non Mark-up/interest income |5182253 |4708161 |5367713 |Mark-up/return/interest earned |35561312 |37530256 |44298178 | |Total Income |40743565 |42238417 |49665891 | Interpretation and comparison Interpretation is missing. 5 Spread Ratio Significance It is the ratio that describes the markup spread between income and expense. It helps to measure how much income bank earns by incurring markup cost. Higher ratio shows more profitability through loans and investments. Formula:- Spread Ratio = Interest Earned / Interest Expensed |Banks |2009 |2010 |2011 | |UBL |61,107,025/28,163,787= |59,331,761/24,997,188= |70,450,475/31,025,869= | | |2. 17 times |2. 37 times |2. 7 times | |Askari Bank |22,586,736/13,554,078= |27,952,162/17,936,616= |32,766,351/22,699,583= | | |1. 68 times |1. 56 times |1. 44 times | |Bank Alfalah |35561312/24654180 = |37530256/23855448= |44298178/25687485= | | |1. 44 times |1. 7 times |1. 72 times | |Banks |2009 |2010 |2011 | |UBL |2. 17 |2. 37 |2. 27 | |Askari Bank |1. 67 |1. 56 |1. 44 | |Bank Alfalah |1. 44 |1. 7 |1. 72 | [pic] Interpretation and comparison The analysis of the above table and graph shows the Spread Ratio of the UBL which is highest as compare to the other two banks, is at 2. 17 times in the year 2009 and increases to 2. 37 times in the year 2010 and 2. 27 times in the year 2011, decreases the zig zag trend is due to the fluctuation in both asp ects interest earn and expensed. While the ratio of Askari bank 1. 67% in the year 2009, 1. 56% in the year 2010 and 1. 4% in the year 2011 respectively. Bank Alfalah ratio shows increasing trend throughout the three years 2009 to 2011 which are as 1. 44%, 1. 57%, 1. 72% which shows better recovery of interest income from its investments 6 Advances / Deposits Ratio Significance It defines the advances banks make from the available deposits. It measures the ability of the bank in fruitful usage of money of the depositors which will increase the markup income. FORMULA: Advances / Deposits Ratio= Total Advances/ Total Deposits Banks |2009 |2010 |2011 | |UBL |354,091,713/492,036,103= |333,732,172/550,645,767= |325,347,208/612,980,139= | | |0. 72 times |0. 61 times |0. 53 times | |Askari Bank |135,034,499/205,970,227= |152,784,137/255,936,503= |150,710,709/291,502,993= | | |0. 6 times |0. 60 times |0. 52 times | |Bank Alfalah |188042438/324759752= |207152546/354015311= |198468512/4012478 86= | | |0. 58 times |0. 59 times |0. 49 times | |Banks |2009 |2010 |2011 | |UBL |0. 2 |0. 61 |0. 53 | |Askari Bank |0. 66 |0. 60 |0. 52 | |Bank Alfalah |0. 58 |0. 59 |0. 49 | [pic] Interpretation and comparison The analysis of the above table and graph shows Advance/Deposit ratio of UBL which is very high as compare to other banks 0. 2 times in the year 2009 and 0. 61 times in the year 2010 and 0. 53 in the year 2011. Askari bank ratio is 0. 66 times, 0. 60 times and 0. 52 times in the consecutive years 2009, 2010 and 2011. While the ratio of bank Alfalah is 0. 58 times in 2009 and increases to 0. 59 times 2010 and decline drastically to 0. 49 times in 2011with 0. 10 times which shows that Bank Alfalah is not utilizing its deposits effectively as compare to other banks. 7 Return on Total Equity (ROE) Significance It measures income bank earns from the equity. It determines the ability of the institution how productively it uses the money of shareholders in its business. High ratio will allure more investors. FORMULA: Return on total Equity=Net Income/ Total equity*100 |Banks |2009 |2010 |2011 | |UBL |9,192,687/52276246*100= |11,159,930/60180924*100= |15,499,663/70,622,933*100= | | |17. 58 % |18. 4 % |21. 94% | |Askari Bank |1097507/ 13142688 |943177/ 14820578*100= |1627698/ 16508782*100= | | |*100= 8. 35 % |6. 36 % |9. 86 % | |Bank Alfalah |897035/ 19770260 *100= |968452/ 19726556*100= |3503130/ 22839886*100= | | |4. 4 % |4. 91 % |15. 34 % | |Banks |2009 |2010 |2011 | |UBL |17. 58 |18. 54 |25. 76 | |Askari Bank |8. 35 |6. 36 |9. 86 | |Bank Alfalah |4. 4 |4. 91 |15. 34 | [pic] Working of Total Equity UBL (UBL) |   |Working Total equity |   |   | |   |Total Equity |   |   | |   |2009 |2010 |2011 |Share capital |11,128,907 |12,241,798 |12,241,798 | |Reserves |18,959,537 |21,688,637 | | |Un appropriated profit |22,187,802 |26 ,250,489 | | |Total Equity |52276246 |60180924 | | |   |   |   |   | Working of Total Equity (Askari bank)    |2009 |2010 |2011 | |Share capital |5,073,467 |6,427,440 |7,070,184 | |Reserves |7,235,710 |7,691,319 |8,136,440 | |Un appropriated profit |833,511 |701,819 |1,302,158 | |Total Equity |13,142,688 |14,820,578 |16,508,782 | Working of Total Equity (Bank Alfalah)    |2009 |2010 |2011 | |Share capital |13491563 |13491563 |13491563 | |Reserves |3587969 |3819133 |4100264 | |Un appropriated profit |2690728 |2415860 |5248059 | |Total Equity |19770260 |19726556 |22839886 | Interpretation and comparison The analysis of the above table and graph show the Return On equity of all the three banks. UBL ratio is 17. 58% in the year 2009, 18. 54% in the year 2010 and 25. 76% in the year 2011. While Askari bank ratio is 8. 35% in 2009, 6. 36% in the period 2010 and 9. 86% in 2011 respectively. Bank Alfalah ratios are 4. 54%, 4. 91% and 15. 34% in the periods 2009, 2010 and 201 1. So on marginal basis Alfalah improves utilization of equity then other two banks. But on the whole, UBL is on the top in optimum utilization of stakeholders equity. 8 Debt Ratio Significance It measures the liabilities of the bank or company against the total assets. It should be low as investors like low ratio because the need their residual interest to be secured. FORMULA: Debt ratio= (Total debt/ Total assets)*100 |Banks |2009 |2010 |2011 | |UBL |558,779,710/619,718,433*100= |631,402,822/699,817,887*100= |698,906,833/778,059,741*100= | | |90. 7% |90. 22 % |89. 83 % | |Askari Bank |239,378,374/254,327,446*100= |298,740,410/314,744,552*100= |325,980,040/343,756,306*100= | | |94. 12 % |94. 92% |94. 83% | |Bank Alfalah |366936635/389070055*100= |389178295/411483839*100= |442396764/468173802*100= | | |94. 31% |94. 58 % |94. 49 % | Banks |2009 |2010 |2011 | |UBL |90. 17 |90. 22 |89. 83 | |Askari Bank |94. 12 |94. 92 |94. 83 | |Bank Alfalah |94. 31 |94. 58 |94. 49 | [pic] Interpretatio n and comparison The analysis of the above table and graph show the Debt Ratio, UBL ratio is 90. 17 in the year 2009, 81. 15% in the year 2010 and 99. 7% in the year 2011. Askari bank ratio is 94. 12% in 2009, 94. 12% in 2010 and 94. 83% in 2011 which show consistency in the three years. Bank Alfalah shows also consistent trend in 2009, 2010 and 2011 are 94. 31%, 94. 58% and 94. 49%. So results show that UBL ratio is increasing which is not good indication as compare to other banks, while other banks are controlling effectively their Debt ratio. 9 Debt / Equity Ratio Significance It is the percentage of liabilities to shareholders’ money. It will define either the bank is equity or liability based. It also helps to assess the how risky the company is. FORMULA: Debt / Equity Ratio = (total debt/ total equity) Banks |2009 |2010 |2011 | |UBL |558,779,710/52276246= |631,402,822/60180924= |698,906,833/70,622,933= | | |10. 69 times |10. 49 times |9. 90 times | |Askari Bank |239,3 78,374/13142688= |298,740,410/14820578= |325,980,040/16508782= | | |18. 21 times |20. 16 times |19. 75 times | |Bank Alfalah |366936635/19770260 = 18. 56 times |389178295/19726556= 19. 73 times |442396764/22839886= 19. 37 times | Banks |2009 |2010 |2011 | |UBL |10. 69 |10. 49 |11. 61 | |Askari Bank |18. 21 |20. 16 |19. 75 | |Bank Alfalah |18. 56 |19. 73 |19. 37 | [pic] Interpretation and comparison The analysis of the above table and graph shows the Debt/Equity ratio where UBL ratio is 10. 69% in 2009,10. 49% in the year 2010 and 11. 1% in the year 2011 respectively which remains consistent in first two years then increases in 2011. Askari bank ratio is 18. 21% in 2009 which too high as compare to UBL, 20. 16% in 2010 and 19. 75% in the year 2011. While Bank Alfalah is on the same level 18. 56% in 2009, 19. 73% and 19. 37% in the years 2010 and 2011. As as consequence of analysis, UBL ratio is much better then other banks as its ratio is approximately 8% below the other banks ratio. 10 Price/Earnings Ratio Significance It will define the price of share against the per share earning. It should be high as it shows business prosperity and growth chances are bright in future. FORMULA: P/E = Current Market Share Price/ EPS Working of EPS EPS WORKING UBL 2009 |2010 |2011 | |Net Income= 9,192,687 |Net Income= 11,159,930 |Net Income= 15,499,663 | |Number of shares= 1,112,890 |Number of shares= 1,224,179 |Number of shares= 1,224,179 | |= Net income/ outstanding number of shares |= Net income/ outstanding number of shares | | |=9,192,687 / 1,112,890 |= 11,159,930/1,224,179 |= Net income/ outstanding number of shares | |= 8. 26 per share |= 9. 12 per share |= 15,499,663/1,224,179 | | | |= 12. 66 per share | No of outstanding share figure has been taken from the notes i. e Share capital EPS WORKING ASKARI BANK |2009 |2010 |2011 | |Net Income= 1,097,507 |Net Income=943,177 |Net Income= 1,627,698 | | |Number of shares= 642,743 |Number of shares= 707,018 | |Number of shares= 507,346 |= Net income/ outstanding number of shares | | |= 943,177/642,743 |= Net income/ outstanding number of shares | |= Net income/ outstanding number of shares |= 1. 47 per share |= 1,627,698/707,018 | |= 1,097,507/507,346 | | | | | |= 2. 30 per share | |= 2. 16 per share | | | BANK Alfalah 2009 |2010 |2011 | |Net Income= 897,035 |Net Income= 968,452 |Net Income= 3,503,130 | |Number of shares= 134,9156 |Number of shares= 134,9156 |Number of shares= 134,9156 | |= Net income/ outstanding number of shares |= Net income/ outstanding number of shares |= Net income/ outstanding number of shares | |= 897,035/ 134,9156 |= 968,452/ 134,9156 |= 3,503,130/ 134,9156 | |= 0. 66 per share |= 0. 71 per share |= 2. 59 per share | |0. 66 |0. 71 |2. 59 | Banks |2009 |2010 |2011 | |UBL |64. 25/8. 26= 7. 77 times |84. 23/9. 12= 9. 23 times | 84. 17/12. 66= 6. 64 times | |Askari Bank |45. 25/2. 16 = 20. 92 times |64. 75/1. 47 = 44. 12 times |73. 49/2. 30 = 31. 92 times | |Bank Alfalah |77. 45/0. 66 = 116. 48 times |114. 23/0. 72= 159. 13 times |16. 87/2. 60= 6. 69 times | |Banks |2009 |2010 |2011 | |UBL |7. 77 |9. 3 |6. 64 | |Askari Bank |20. 92 |44. 12 |31. 92 | |Bank Alfalah |116. 48 |159. 13 |6. 69 | [pic] Interpretation and comparison The analysis of the above table and graph shows the Price Earning ratios, UBL ratio is 7. 77 times in the year 2009, 9. 23 times in 2010 and 6. 64 times in the year 2011is respectively declining. While Askari bank ratio 20. 92 times in 2009, 44. 12 times in 2010 and increases to 31. 2, on the other hand you can see the P/E of bank Alfalah in year 2009,2010, 2011 is 116. 48 in year 2009, 159. 13 year 2010 and 6. 69 in year 2011. After the result it has proved that Bank A lfalah P/E is higher and better in year 2009 and year 2010 than other two banks. Askari bank and UBL shows declining trend which is unfavorable for the investors. Chapter 4) Conclusion and Recommendations 4. 1) Conclusion Following findings has been inferred on the basis of above ratio analyses which are as 1. Net profit margin ratio of UBL is high as compare to Askari and Alfalah. In addition to that, Bank Alfalah captures the second level in the comparison. So, UBL has taken over the major share of profit margin 2. Analysis of Operating Cash Flow ratio shows Askari bank ratio is high as compare to UBL and Alfalah. 3. On the basis of ratio analysis UBL gross spread ratio is good and high as compare to Askari and bank Alfalah in the current year. While Bank Alfalah is ranked second in the comparison. 4. In accordance with the analysis of non-interest income to total income ratio UBL ratio is high as compare to the other two banks. While analysis show Askari bank ratio is lowest than UBL and bank Alfalah. 5. The analysis has shown UBL spread ratio is high and much better than other banks in comparison. 6. On the basis of advance/Deposit ratio analysis UBL ratio is high as compare to Askari and Alfalah in the current year. 7. The analysis of Return on equity ratio shows that UBL return is high and better than the other two banks. 8. Debt ratio Analysis shows that UBL ratio is high than other two banks. While Askari and Alfalah are at the same level. 9. According to the analysis of Debt/Equity ratio Askari bank ratio is high and bank Alfalah is on the second position. 10. The Price/Earning ratio of Askari bank is high in the analysis of the three banks. While UBL is on the second and bank Alfalah is on the third rank. 4. 2) Recommendations 1. The Net profit Margin ratio of Askari and bank Alfalah is low. In order to improve their net profit both the banks should have to cut down their non markup expenses while, on the other hand their turnover is satisfactory. 2. The Operating cash flow of UBL and Alfalah should have to be improved. These banks should decrease their current liabilities and ensure the availability of more liquidity to meet short term debts. 3. Askari bank and bank Alfalah both banks need to adopt measures to cut down their interest expenses in order to increase their gross spread ratio. 4. In order to increase non interest income Askari and Alfalah needs to increase their earnings through fees, commissions and other advisory charges etc. 5. In Advance/Deposit ratio Askari bank and Alfalah should have to utilize their deposits in more projects either through corporate financing or general public financing. 6. 6. Return on total equity of Askari bank is low, it should increase its net income by cut down its expenses with significant margin. 7. Debt ratio of UBL is high so it should have to avoid more borrowings and use available funds in more proper ways. 8. Spread ratio of Askari bank is low as compare to other banks it should have to increase its lending and use deposits in effective ways. SECTION II a) Introduction of the student Last Degree Obtained: – Bachelor of Commerce Current Organization Dubai City Flowers LLC, Dubai, UAE Current Designation: – Administration Manger Experience 10+ years b) BIBLOGRAPHY Askari bank limited Pakistan. (2009). annual-reports. Retrieved December 6, 2012, from Askari bank Limited Official website:http://www. askaribank. com. pk/Reports/Askari%20Financials%202009. pdf Askari bank limited Pakistan. (2010). annual-reports. Retrieved December 6, 2012, from Askari bank Limited Official website:http://www. askaribank. com. pk/Reports/Askari%20AR2010%20(Final%20Version). pdf Askari bank limited Pakistan. (2011). annual-reports. Retrieved December 6, 2012, from Askari bank Limited Official website: http://www. askaribank. com. k/Reports/Askari%20AR%202011%20ALL. pdf United bank limited . (2009). Financial-reports. Retrieved December 6, 2012, from United bank Limited Official website: https://www. ubldirect. com/corporate/resources/ubl/aboutus/financial_report/report_2009/annual_dec09/UBLAnnualReport2009. pdf. United bank limited . (2010). Financial-reports. Retrieved December 6, 2012, from United bank Limited Official website: https://www. ubldirect. com/corporate/resources/ubl/aboutus/financial_report/report_2010/annual_dec10/UBLAnnualReport2010. pdf United bank limited . (2011). Financial-reports. Retrieved December 6, 2012, from United bank Limited Official website: https://www. ubldirect. om/corporate/resources/ubl/aboutus/financial_report/report_2011/Annual_Reports/UBL%20Annual%20Report%202011. pdf Bank Alfalah Limited. (2009). Financial-reports. Retrieved December 6, 2012, from Bank Alfalah Limited Official website: http://www. bankalfalah. com/about/download/AnnualReport2009. pdf Bank Alfalah Limited. (2010). Financial-reports. Retrieved December 6, 2012, from Bank Alfalah Limited Official website: http://www. bankalfalah. com/about/download/BALAnnualReport2010. pdf Bank Alfalah Limited. (2011). Financial-reports. Retrieved December 6, 2012, from Bank Alfalah Limited Official website: http://www. bankalfalah. com/about/download/BALAnnualReport201 1. pdf How to cite Final Project of Fin619, Essay examples