by Print Services‚ Rhodes University‚ P .O .Box 94‚ Grahamstown‚ South Africa A financial Ratio Analysis of Commercial Bank Performance in South Africa Mabwe Kumbirai2# and Robert Webb* Abstract This paper investigates the performance of South Africa’s commercial banking sector for the period 2005- 2009. Financial ratios are employed to measure the profitability‚ liquidity and credit quality performance of five large South African based commercial banks. The study found that overall bank
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Sub-Saharan Africa: The Causes of Postcolonial State Failure On the vast continent of Africa‚ there are fifty-three countries; of these only six are not located below the Sahara Desert. This
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university education be free for everyone? In the modern world‚ education plays a great role in developing people’s knowledge. Higher education imparts special knowledge to students and helps them to hone their skill in their field of interest. Therefore‚ further education should be provided to university students free of cost. However‚ in developed countries with a large population and underdeveloped countries which are poor this idea will not be feasible. This essay will argue that higher
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* Equal opportunity. Equal opportunity is a stipulation that all people should be treated similarly‚ unhampered by artificial barriers or prejudices or preferences‚ except when particular “distinctions can be explicitly justified.” The aim according to this often "complex and contested concept" is that important jobs should go to those “most qualified” – persons most likely to perform ably in a given task – and not go to persons for arbitrary or irrelevant reasons‚ such as circumstances of birth
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Proposal Pro forma 1. Aims of the Dissertation: Since the new political dispensation in South Africa black economic empowerment (BEE) has continually come under scrutiny (Leonard & Grobler‚ 2006). It has been seen as an ethically just initiative to compensate previously disadvantage individuals‚ and as a pragmatic strategy‚ which undercuts the nation of merit with a very strong undertone of racism. Increasingly‚ physicians‚ in both primary care and specialities form partnership of single
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The United States has become a melting pot of many ethnic cultures. The diversity of these differing cultures abounds in families‚ communities‚ private and public organizations; and benefits our society with an increased cultural awareness and engagement‚ which has decreased stereotyping and decreased discriminatory practices on the basis of being different (Wilson‚ 2014). According to Manning & Curtis (2012)‚ diversity is about all person’s being accepted and respected and being able to believe
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disadvantages” to what extent is this an accurate description of the free market economic system? In this essay I am going to explore some of the advantages and disadvantages of the free market economic system and create a conclusion to support or to not support the statement. The first advantage of the free market is that consumers are faced with a wide range of choice‚ price and quality. Therefore there is no need for black markets as citizens are free to spend their money how they wish. This also means the
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of the implementation of single exit pricing for pharmaceuticals in South Africa Daleen Pretorius A research report submitted to the Faculty of Commerce‚ Law and Management‚ University of the Witwatersrand‚ in partial fulfilment of the requirements for the degree of Master of Business Administration Johannesburg‚ 2011 ABSTRACT Pricing regulations have been implemented within the pharmaceutical industry in South Africa to ensure improved access to healthcare. The implementation of the
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They got this by conquering and colonizing new lands. Africa was not colonized‚ making the continent a prime area for colonization. Prior to the 19th century European nations only used Africa for its slave trade‚ therefore‚ only settling on the coasts. The driving forces behind these European conquests in Africa were caused by political‚ cultural‚ and economic reasons. The primary reason European countries were imperialistic in Africa were for economic reasons. Countries such as Germany‚
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white group that inforced its racist policies on the people of South Africa mostly affecting the black people there. Some of the policies that the party introduced were Black People had to live in different areas and use different public facilities than the whites of South Africa. Also the two groups were not allowed to marry one another or have sexual relations. The National Party Population Registration Act of 1950 that classified all South Africans by race. The three races were Bantu (Black Africans)
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