Defining Key Ratios: http://www.equitymaster.com/detail.asp?date=01/05/2010&story=3&title=Investing-Back-to-basics-XXI * Net interest margin (NIM) * Operating profit margin (OPM) * Cost to income ratio * Other income to total income ratio Net interest margin (NIM): Just as we calculate and measure performances of non-financial companies on the basis of their operating performance (EBITDA margins)‚ the performance of banks is largely dependent on the NIM for the year. The difference
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The internment of Japanese-Canadians was not only cruel but also immoral in a multitude of ways. In the Second World War‚ Japanese-Canadians were seen as enemies despite being mostly naturalized or born in Canada (Suigman 52). The internment served to protect Canadian citizens in the West Coast‚ however‚ it achieved nothing. The internment of Japanese-Canadians was unjust and teaches modern people the horrors of racial prejudice through the cruel conditions in the camps‚ the dispossession of property
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MOHD ARIFF ZAKWAN BIN ABDULLAH ZAWAWI M11C MY ToK MOMENT My TOK moment was tonight 02/02/12 when the year one students had a batch meeting at the mosque having some games to create a stronger bond between us. As usual this kind of thing made my instinct to escape getting bigger and stronger. So‚ I decide to sneak out from the program pretending that I had to make some important call. So I ask the permission of our class rep to go out for a while with my best friend. Then we straight forward
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Hyphens Separating Canadians African Canadians have seen themselves as lower class citizens by mainstream society and their own racial communities. Neil Bissoondath’s a Canadian teacher that came to Canada from Trinidad at the age of eighteen and went to York University to earn his Bachelor of Arts in French. Bissoondath writes stories and essays focusing on economics‚ the cultural mix of Canada and social problems that are linked to multiculturalism. Bissoondath’s essay “Marginalization”
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Michael Eubanks of Canadian Tire Corporation (CTC) is in charge of the implementation of a business intelligence (BI) system for the company. This implementation began in 2003 and was to be completed in 2005. In 2006‚ the project is only in the 2nd of 3 phases. He is now faced with a problem. The implementation is going much slower than he anticipated. His goal is to implement BI as soon as possible‚ so what does he need to do so that he can reach this goal? In order to reach his goal‚ there are
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Have you ever had a moment in your life where just one second can change it forever? My Baseball Showcase was one of those moments. A baseball showcase is an event that allows students-athletes just like myself‚ to show off baseball skills in front of college and professional recruiting scouts. It was one the most stressful and life learning days of my life. Never will I forget that moment. The emotional and physical drive that day gave me is a constant reminder to never give up and to always keep
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Objective The objective of this experiment is to compare the theoretical internal moment with the measured bending moment for a beam under various loads. Introduction and Background Theory Definition of a Beam Members that are slender and support loadings that are applied perpendicular to their longitudinal axis are called beams. Beams are important structural and mechanical elements in engineering. Beams are in general‚ long straight bars having a constant cross-sectional area‚ often classified
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Troy Youman Prof R. R. Small English 1301 41007 March 23‚ 2014 The Terrifying Moment We all saw it scrolled across the black board the second we stepped into Ms. River’s class. Its wingspan reached from one end of the room to the other‚ hovering above our heads as if it were about to pounce. Its chalk scrawled claws looking ready to grab up an unsuspecting student and fly away. “What is that ungodly thing?” my best friend John asked with a curious tone‚ “I don’t know” I replied. Ms. Rivers
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Canadian Human Rights Act Ganesh kumar Musle 1602948 Fairleigh Dickinson University Personnel Administration MADS 6602-Section V1 Dawn Hines November 11‚ 2013 Every individual has the right to get the things or rights for which he/she is entitled to‚ as a human being. Every individual is privileged to get respect‚ quality of life and equality. Most of all‚ everyone expects a life free from discrimination. Part 1 of Canadian Human Rights Act focusses mainly on discrimination
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The Canadian Charter of Rights and Freedoms guarantees political rights to all Canadian citizens and civil liberties for all people in Canada. Section 2 of the Canadian Charter lays out the fundamental freedoms for all people in Canada which includes the freedom of religion. In this paper‚ it will be shown that every person in Canada has the right to practice their freedom and religion and if they feel as if their riht is infringed they can challenge the issue in the courts. It will be shown that
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