1‚ Dec 2010 ©The Author(s) Journal compilation ©2010 African Centre for Economics and Finance . Published 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
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What fossils tell us This chapter looks at fossils and their formation. Fossils are traces of ancient plants or animals preserved in rocks. The number of fossils and their placement in rocks is called the fossil record. The study of fossils is called palaeontology. Because fossils are buried in rock‚ most of the time they are found only when the rock is dug up‚ worn out or cut away. Fossils may include parts of animals‚ their footprints‚ eggs or nests. Plants and their spores‚ or seeds‚ also make
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It can be fascinating how when you look at someone’s receipts‚ you can what kind of person they are. My own receipts over the past few months‚ for example‚ can show a lot about who I am and what I like to do. Listed with different titles of many movies and how much I paid for them‚ once can clearly realize through these paper strips that I have been a very serious movie watcher of action movies‚ movies in which the good guy is the hero. When I was in Saudi Arabia‚ during my teen years‚ I use to
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You Are What You Wear Research Paper Sarah Griffin B6 Our assignment was to dress up a day and to dress down a day. I participated in the activity. I dressed up on Friday the 14th‚ and dressed down the following day (Saturday the 15th). We’ll start with the day I dressed up. I liked it because I felt good and was‚ for the most part‚ sure about my appearance. People told me I looked nice and that made me confident. I also disliked it because I hardly ever do that‚ so I felt superficial
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Ratio analysis Debt ratio Debt ratio (2006-2007) = Total liabilities / Total assets = 10‚170/12‚064 = 0.84 Debt ratio (2007-2008) = 9‚210/11‚769 = Debt ratio (2008-2009) = 10‚003/11‚229 = Debt ratio (2009-2010) = 11‚043/12‚537 = Current ratio Current ratio (2006-2007) = Current assets / Current liabilities = 3‚424/4‚790 = 0.71 Current ratio (2007-2008) = 2‚164/4‚498 = Current ratio (2008-2009) = 1‚326/5‚389 = Current ratio (2009-2010) = 2‚697/6‚085 = Return on sales (ROS) Return on Sales
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In the play You Can’t take It With You‚ written by Moss Hart and George S. Kaufman‚ the author uses point of view of different characters to show the theme of Materialism-materialistic values vs Spiritual Values- enjoyment of life. As narrator shows the perspective of each character‚ we see theme of Materialism. While Mr. Kirby has a viewpoint of living for things of materialistic value even though it might not be joyful‚ whereas‚ Grandpa has a perspective of living a life for Spiritual Values.
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Can you keep a secret? By. Kasey Driggers Where am I? What am I? Who am I? How did I get here? I am asking myself all these questions as I am lost in my own thoughts. I don’t know how I got in the place I am now. What has gone on in my mind to make me disobey my mother like I have. Running into different arms of different boys each time she turns around. Am I just seeking attention or is it love that I want to find? This is all so questionable when someone grows up in
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FINANCIAL RATIOS Gross Profit to Sales (Gross Profit Ratio): profitability ratio that shows the relationship between gross profit and total net sales revenue. Gross margin/Net sales The gross margin is not an exact estimate of the company’s pricing strategy but it does give a good indication of financial health. Without an adequate gross margin‚ a company will be unable to pay its operating and other expenses and build for the future. In general‚ a company’s gross profit margin should be stable
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„You are what you eat” „You are what you eat” – what does it mean? Basically it means that in order to be be fit and healthy you need to eat good food. People eat whatever they like. Some eat healthy‚ some eat „junkfood”‚ some only look at the price tags. However‚ the belief that “you are what you eat” originated in the 1800s with epicurean Anthelme Brillat-Savarin and philosopher Ludwig Feuerbach. They maintained that food affects one’s health and state of mind. And we can not disagree
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Monkey Do” and “You Are What You Eat” came from? Although they may sound funny‚ there is truth in both of these statements. When children watch TV‚ do they pay attention to how each gender is being illustrated? Growing up‚ children watched Batman and Scooby-Doo. Children imitated what they saw on TV. Little boys tied bath towels around their necks trying to save helpless girls‚ and little girls played with dresses and makeup like Daphne. These shows start the grooming process to what is acceptable
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