Week 5 Knowledge Check Study Guide Essay - 1133 Words

Week 5 Knowledge Check Study Guide Concepts Mastery Questions Family systems theory 67% 1 2 3 Social systems theory 100% 4 5 6 100% 7 8 9 100% 10 Structural components of social systems The community system life cycle Score: 11 / 12 11 12 Concept: Family systems theory Mastery 1. 67% Questions 1 2 3 Annie lives with her mother, Pamela, who is a conservative woman. At 16, Annie is moving toward parental independence and strongly resents the rules set forth by her mother. Annie and Pamela often get into arguments regarding curfews. Often, Annie calls her grandmother in a fit of rage who then handles the situation and consoles Annie. In the context of Bowens family systems theory, which concept does this†¦show more content†¦A. Proposed output B. Boundary C. Interface D. Desired input Correct: The Correct Answer is: A. Proposed output is the structural component that includes the development of United Way of America Services Identification System (UWASIS). UWASIS operated on the principle that all planned human efforts can be traced to one overriding purpose or goal. 8. Identify an accurate statement about feedback in the context of structural components of social systems. A. It helps maintain steady states. B. It occurs formally rather than informally. C. It occurs externally rather than internally. D. It is acquired by comparing input and output. Correct: The Correct Answer is: A. An accurate statement about feedback is that it helps maintain steady states. Information gathered by comparing proposed and actual output is fed back as a maintenance input. 9. Plans for establishing a new community is in progress. If the planning committee is currently in the process of determining a means to separate this community from its suprasystem, what is likely to be its current task? A. Designating a suprasystem to the community B. Identifying resources needed to sustain the community C. 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American Youth in the 1960s - 1593 Words

America has in a short time been established as a nation that symbolizes acceptance and change. It has progressed into a country of equality that finds its foundation in its personal freedoms and the progressive movement of technology, politics, economics, social views, ethics and so forth since the American Revolution. It has been changing rapidly since the influx of immigrants that came here before the Revolution. The 1950s were a happy time. I Love Lucy and Leave It To Beaver were on television. The Everly Brothers, Jerry Lee Lewis, Chuck Berry and Elvis Presley were popular acts in music. The youth movement of the 1960s was necessary in order for America to progress in social, political, economic, and technological ways that could further America from the 1950s into a new era of personal identity and freedom of expression. It was a time of fathers going to work, mothers staying home and tending to the housework, and kids hanging out in the suburban neighborhoods. 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Public Bank Berhad Free Essays

Public Bank Berhad The Public Bank Malaysia was founded in the year 1966. The logo, in modern geometric design, is conceived from two interlocking octagons denoting the domestic and international connections of the Group. The interlocking of the two octagons also suggests security, strength and stability. We will write a custom essay sample on Public Bank Berhad or any similar topic only for you Order Now As per the latest reports Public Bank Malaysia is the largest domestic bank in Malaysia after Malayan Banking Berhad. The Public Bank Malaysia, in terms of its market capitalization, is the largest corporation in Malaysia that is not linked with the Government. The expansion and progress of the Group are symbolised by the edges of the octagons pointing outwards at various directions. Additionally, the graphic formation of the two interlocking octagons also creates an â€Å"eye† of foresight of the organisation. Industry Of Public Bank Berhad Public Bank Berhad is an industry leader in hire purchase financing, home mortgage financing and commercial lending to SMEs in Malaysia. The bank has a strong distribution network comprising 248 full service branches in Malaysia and 109 overseas in Hong Kong, China, Vietnam, Cambodia, Laos and Sri Lanka. Public Bank Product Range Of Public Bank Berhad Public Bank Berhad in one of the leading providers of integrated financial services in Malaysia. It primarily focuses on providing banking and financial services. The bank is engaged in offering various financial products and services, which includes investment banking, commercial banking, wealth management products, and Islamic banking services. Target Market Of Public Bank Berhad The whole Malaysian, Hong Kong, China, Vietnam, Cambodia, Laos and Sri Lanka. Aimed at providing customized banking services and products to individual customers in addition to small business concerns. Consumer Groups The core business areas of the Public Bank Group are consumer and retail commercial loans. Individuals and families can find a range of lending solutions to buy residential unit, vehicle or a consumer good. The bank offers home loan, car loan, passenger vehicle hire purchase financing and personal loan at easy terms and conditions. The small and medium sized enterprises, too, can find simplified procedure here to apply for a commercial loan. Position of The Company In Relation To Other Competitors Public Bank Berhad operates in the Commercial banks sector. This analysis compares Public Bank Berhad with three other companies: Malayan Banking Berhad (2011 sales of 18. 28 billion Malaysian Ringgits [US$5. 85 billion] of which 25% was Consumer Banking), Cimb Group Holdings Berhad (2010 sales: 16. 06 billion Malaysian Ringgits [US$5. 14 billion] of which 19% was Foreign Banking Ope), and AMMB Holdings Berhad (2011 sales of 5. 83 billion Malaysian Ringgits [US$1. 87 billion] of which 46% was Retail Banking). Company| Sales(blns)| P/E| P/B| Mkt Cap(RMm)| Revenue(RM’000,000)| Public Bank Berhad| 10. 345| 13. 1| 3. 10| 45,067. 8| 10,523| Malayan Banking Berhad| 18. 278| 13. 0| 1. 90| 62,592. 67| 18,397| Cimb Group Holdings Berhad| 16. 059| 13. 5| 2. 07| 55,597. 16| 16,635| AMMB Holdings Berhad| 5. 831| 12. 2| 1. 69| 17,904. 26| 6,343| Market Capital Revenue Ratio For Public Bank | 2008| 2009| 2010| Current ratio| 120,700,000,000/34,789,000,000=3. 47| 137,600,000,000/41,835,000,000=3. 29| 156,500,000,000/45,911,000,000=3. 41| Quick ratio| 60,656,000,000/34,789,000,000=1. 97| 67,986,000,000/41,835,000,000=1. 63| 59,269,000,000/45,911,000,000=1. 29| Average age of inventory | Impossible since PBB is not involved in trading. No inventories| Impossible since PBB is not involved in trading. No inventories| Impossible since PBB is not involved in trading. No inventories| Average Collection Period| Impossible since PBB is not involved in trading. No sales hence no receivables| Impossible since PBB is not involved in trading. No sales hence no receivables| Impossible since PBB is not involved in trading. No sales hence no receivables| Average payment period| Impossible since PBB is not involved in trading. No purchases| Impossible since PBB is not involved in trading. No purchases| Impossible since PBB is not involved in trading. No purchases| Total asset turnover| 10,500,307,000/196,163,106,000=0. 054| 9,715,568,000/271,136,154,000=0. 045| 11,035,597,000/226,328,976,000=0. 049| Debt ratio| (185,934,374,000/196,163,106,000)x100=94. 79%| (205,420,830,000/217,136,154,000)x100=94. 60%| (212,643,888,000/226,328,976,000)x100=93. 96%| Time interest earned| 18,790,015,000/4,562,396,000=4. 12x| 17,068,609,000/3,316,609,000=5. 15x| 19,149,128,000/3,516,111,000=5. 45x| Gross profit margin| (3,948,155,000/10,500,307,000)x100=37. 60%| (4,015,055,000/9,715,568,000)x100=41. 33%| (4,738,265,000/11,035,597,000)x100=42. 4%| Net profit margin| (2,622,660,000/10,500,307,000)x100=24. 98%| (2,551,540,000/9,715,568,000)x100=26. 26%| (3,099,077,000/11,035,597,000)x100=28. 08%| ROA| (2,622,660,000/196,163,106,000)x100=1. 34%| (2,551,540,000/217,136,154,000)x100=1. 18%| (3,099,077,000/226,328,976,000)x100=1. 37%| ROE| (2,622,660,000/10,228,732,000)x100=25. 64%| (2,551,540,000/11,715,324,000)x100=21. 78%| (3,099,077,000/13,685,088,000 )x100=22. 65%| Analysis Of Public Bank Performance Liquidity Ratio Current Ratio = Current assets/current liabilities 2008| 2009| 2010| 120,700,000,000/ 34,789,000,000 =3. 7| 137,600,000,000/ 41,835,000,000 =3. 29| 156,500,000,000/ 45,911,000,000 =3. 41| The ratio is mainly used to measure the company’s ability to pay back  its short-term liabilities with its short-term assets. As we seen the company current ratio for these 3 years, there are decreases from year 2008 to year 2009 but they increase back when come to year 2010. These 3 years current ratio is significant higher than the acceptable ratio. The acceptable ratio is 2:1 but for the public bank, the current ratio are (2008 1 : 3. 47, 2009 1 : 3. 29, 2010 1 : 3. 41). These shows that the Public Bank is not using its resources as efficiently as it could be. Public Bank should reduce its current assets so there are no excessive current assets. Quick Ratio = (current assets-inventories)/current liabilities 2008| 2009| 2010| 60,656,000,000/ 34,789,000,000 =1. 97| 67,986,000,000/ 41,835,000,000 =1. 63| 59,269,000,000/ 45,911,000,000 =1. 29| Quick ratio  measures  a company’s ability to meet  its short-term obligations with  its most liquid assets. The higher the quick ratio,  the  better the position of the  company. From the company 3 years quick ratio, the quick ratio are (2008 1 : 1. 7, 2009 1 : 1. 63, 2010 1 : 1. 29) These shows that the company quick ratio is slightly higher than the acceptable ratio that are 1:1. But the quick ratio for the company are getting better year to year. The company should reduce its current account to reach the desirable ratio that are 1:1. Activity Ratio Average age of inventory =(Average invento ries/Cost of sales)x365 2008| 2009| 2010| N/A| N/A| N/A| Impossible to compute since Public Bank Berhad is not involved in trading. No physical inventories are involved. Average collection period = (receivables/sales) x365 2008| 2009| 2010| N/A| N/A| N/A| Impossible to compute since Public Bank Berhad is not involved in trading. No physical inventories are involved. Average payment period =(Payable/Cost of sales)x365 2008| 2009| 2010| N/A| N/A| N/A| Impossible to compute since Public Bank Berhad is not involved in trading. No physical purchases are involved. Total assets turn over= Operating revenue/total assets 2008| 2009| 2010| 10,500,307,000/196,163,106,000 =0. 054| 9,715,568,000/271,136,154,000 =0. 045| 11,035,597,000/226,328,976,000 =0. 049| Asset turnover  measures  a firm’s efficiency at using its assets in generating sales. The total assets turnover over for the 3 years, there are decrease in year 2009 but increases in year 2010. For each RM1 of assets for the year 2008, Public Bank only manage to generate RM0. 054 of sales. For the year 2009 and 2010, for each RM1 of the assets, Public Bank only generates RM0. 045 and RM0. 049 of sales. The amount are worsen but there are increases for year 2010. This is because the company have higher profit margin, so they would have lower assets turnover. Financial Ratio Debt ratio=(Total liabilities/Total asset)x100% 2008| 2009| 2010| (185,934,374,000/196,163,106,000)x100=94. 9%| (205,420,830,000/217,136,154,000)x100=94. 60%| (212,643,888,000/226,328,976,000)x100=93. 96%| A ratio that indicates what proportion of debt a company has relative to its assets. The measure gives an idea to the leverage of the company along with the potential risks the company faces in terms of its debt-load. Time Interest Earned Ratio=EBIT/Interest 2008| 2009| 2010| 18,790,015,000/4,562, 396,000=4. 12x| 17,068,609,000/3,316,609,000=5. 15x| 19,149,128,000/3,516,111,000=5. 45x| Ensuring interest payments to debt holders and preventing bankruptcy depends mainly on a company’s ability to sustain earnings. However, a high ratio can indicate that a company has an undesirable lack of debt or is paying down too much debt with earnings that could be used for other projects. The rationale is that a company would yield greater returns by investing its earnings into other projects and borrowing at a lower cost of capital than what it is currently paying to meet its debt obligations. Analysis : The company have a high time interest earned ratio in this few year and the ratio keep increase. This suggests that this company is less burdened by debt expense and the company has no problem in settling its interest expenses in the future. Profitability Ratio Gross Profit Margin=Gross profit margin/Net sales 2008| 2009| 2010| (3,948,155,000/10,500,307,000)x100=37. 60%| (4,015,055,000/9,715,568,000)x100=41. 33%| (4,738,265,000/11,035,597,000)x100=42. 94%| 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. Net Profit Margin=(Earning to common stockholders/sales)x100% 2008| 2009| 2010| (2,622,660,000/10,500,307,000)x100=24. 98%| (2,551,540,000/9,715,568,000)x100=26. 6%| (3,099,077,000/11,035,597,000)x100=28. 08%| Net profit margin is the ratio of net profit to revenues a company’s pricing strategy and operating efficiency. Return On Assets=(Earning to common stockholders/total assets)x100% 2008| 2009| 2010| (2,622,660,000/196,163,106,000)x100=1. 34%| (2,551,540,000/217,136,154,000)x100=1. 18%| (3,099,077,0 00/226,328,976,000)x100=1. 37%| Return on assets is an indicator of how profitable a company is relative to its total asset, the ratio measures how efficient management is at using its assets to generate earning. Return On Equity=(Earning to common stockholders/total equity)x100% 2008| 2009| 2010| 2,622,660,000/10,228,732,000)x100=25. 64%| (2,551,540,000/11,715,324,000)x100=21. 78%| (3,099,077,000/13,685,088,000)x100=22. 65%| Return on equity  measures a corporation’s profitability  by revealing how much  profit a company generates  with the  money  shareholders have invested. Analysis : Public Bank Berhad have a very high net profit margin and the profit increase from 24. 98% in year 2008 to 26. 26% in year 2009. When in year 2010, it rise to 28. 08% again. It’s mean this company generate 24. 98% in year 2008, 26. 26% in year 2009 and 28. 08% in year 2010 for every RM100 sales. Furthermore, the return on assets are in the high rate. In the year 2008, the ROA is 1. 34% and it decreased to 1. 18% in the year 2009. However, in year 2010 the ROA increases to 1. 37%. It’s because of Public Bank has expanded its self –service channels such as Automated Teller Machines, Cheque Deposit Machines and Cash Deposit Terminals to 1,400 machines to serve its large customer base. The ROE for this company in year 2008 is 25. 64%. However it drops to 21. 78% in the year 2009. The ROE increases again in the year 2010 to 22. 65%. It’s mean this company is more capable of generating cash internally. For the example, Public Bank Berhad is able to pay its shareholders the return he interest of 25. 64% in the year 2008. Conclusion The Overall of our research about Public Bank Berhad have a very good performance. The Public Bank group should seek to tap all growth opportunities arising from the improving economic and business environment, with the aim of delivering superior shareholder value over the long-term. Reta il consumer and commercial banking should remain the core focus of the Group. In consumer financing, the group should continue to promote home mortgages, passenger vehicle hire purchase financing and personal financing. Recommendation Overall all our research about Public Bank Berhad and its competitors, Public Bank Berhad was performance very well in this 3 years. Especially when come to the year 2010, the profit before tax increases by 23. 0%. The Group’s gross loans, advances and financing recorded strong growth of 13. 8% in 2010, with the Group’s domestic lending business growing 15. 6% during the year. However, Gross impaired loans ratio drop by 0. 03%. The financial pandemic in late 2008 and 2009 that threatened to push the global economy into a deep recession was largely contained through the concerted efforts of the world’s major government and central banks. How to cite Public Bank Berhad, Essay examples