Pakistan in the Year 2009

Financial analysis: Haefren Baum is funding itself from bank loans, mortgages, and their supplier’s flexible credit. The major change in consumer demand, from the economic bust, in 1993, lead to lower sales and extended account payable days. The cash flow statements are unhealthy as they negative operating cash flows generated from a negative net income and high account payables. The company is far from liquid with 1.26 quick ratio in 1995 and high account payable days. The company has profitability issues, which is seen in their decrease in operating profit and negative return on equity. As stated earlier this is due to their decline in sales, tough economic conditions, and increased competition. They are highly leveraged company, which is risky. Their debt to equity ratio jumped from 5.84 in 1993 to 8.22 in 1995, which means it is hard for them to sustain that debt with their low equity. For

The results of Haefren Baum’s common-size balance sheet from 1993-1995 states that the company has a short-term outlook on its assets because it ranges from 65% to 85%; compared to its 67% total long-term liability holdings. Haefren Baum’s account receivable payments from its customers have also slowed down due to the slower economy. The slow down also forced Haefren Baum to extend more favorable credit terms to its customers because they wanted to keep their sale volume up as well. This decision added to the slowing down of their income and to the extension of their account receivable days. Haefren Baum’s cash flow from operating activities became negative in 1994 due to the Germany’s economic downturn that occurred the year prior. However, it then made a 100% recover from its previous showing in 1995, while remaining negative. Time interest earned took a noticeable drop of 4.3 in 1993 to 0.96 in 1994. This indicated that the company was unable to meet the requirement of its fixed interest from its operating earnings. The DuPont analysis stated that net profit margin was the primary contributor of the firm’s return. From 1993-1995, the net profit margin fell from 101.35% to -5.73%, indicating that the company’s financial problems were

The 2010 annual report pointed that, for the year ended 30 June 2010, BKL posted a net profit after tax of $24.3 million, an increase of 17% comparing to last year. In addition, Group revenue increased by 7% to $214.9 million; earnings before interest, tax, depreciation and

1. Key success factors & company performance…………………………………………………..3 2. Bank perspective regarding the performance…………………………………………………..7 3. Bank financing perspective at the end of 1998……………………………………………….10 4. Management perspective regarding the bank financing………………………………….13 5. Exhibit 1 – Annual Income Statements (1994-1997)………………………………………17 6. Exhibit 2 – Annual Balance Sheets (1994-1997)……………………………………………..18 7. Exhibit 3 – Quarterly Income Statements 1997……………………………………………….19 8. Exhibit 4 – Quarterly Balance Sheets 1997………………………………………………………20 9. Exhibit 5 – Forecasting………………………………………………………………………………………21 10. Exhibit 6 – Annual Ratios………………………………………………………………………………….22 11. Exhibit 7 –

This report compares financial performance of two major banks of UK i.e. HSBC Bank Plc and Barclays Bank Plc on the basis of their Balance sheets and profit and loss accounts for the year 2009. This report also provides SWOT analysis of both banks i.e. HSBC and Barclays Bank Plc and provides an insight into their Banking Strategies.

6.Other Income to Total Income: With the agency functions bank earned fee income .Fee based income accounts for a major portion of the bank’s other income these days . With the emergence of innovative products and updated technology, bank generates higher fee income through new services. Higher the ratio ,higher is the proportion of fee-based income. This ratio is also being influenced by gains on Government securities, Interest rate upon which keeps on fluctuating depending on the movements in the

In 2010 with the net income of $459 million, excluding special items it achieved 285% profit increase from the last year, $600 million bank line of credit and 40% debt to total capital.[2]

Pakistan matters because this country is the corridor between the Eastern Asia and the Middle East. It is one of the seven declared nuclear weapon states with one of the largest armies in the world. Pakistan is important because it has been part of five declared wars in the past sixty years with its neighboring country, India. The country is also at war with few of the most dangerous terrorist groups in the world like Al-Qaeda, Taliban, etc. It is one of the main allies of the United States and United Kingdom. Pakistan is one of the most complex democracies of the world. Its different ethnicities, languages and regions make it one of the most diverse nations in the world. The country was founded on the Westminster model, but the government has been overthrown by military leaders three times since Pakistan’s creation. That makes it function differently from Britain. Many dismissed the Pakistani economy for years because of its poor frugality and government functionality. It has constantly faced a rapid economic fall in the past few years, forcing the world to pay attention.

This financial report is in view of examination and comprehension of the Heartland bank. The organization is spread over the New Zealand; they are giving great services to their customer or shareholders. The ratios and both of the years are looked at and all the figures is measured. By calculating the figures of both year 2013 and 2014 have a made good profits in the business. Because of this profitability and good services they urges and credits to submit more cash. Alongside it administration likewise can make any adjustment or bring new ideas which help of it organization can get more change in the business or make more profits.

Afganistan is a terrotity which was a battleground between the great powers for centuries. Afganistan history is a war history since the 3rd Century when it was a part of Ashoka’s Maurayan Empire and becomes a buffer state between British and Russian empire by the end of the 19th Century. War culture produced a great warriors of history like Sultan Mahmud of Ghazni and Babur. Multiple civilisations influenced the diverse culture of Afganistan which is a potential cause of conflict in modern day Afganistan [1]. The focus of this article is the Afganistan under Jihadi rule.

In 1943, he got married with Shareen Amin Begum, who was left by Bhutto to remarry again. Bhutto married again an Iranian – Kurdish woman named Begum Nusrat Ispahani in Karachi on 8th Sept., 1951. His political career mainly started in the year 1957, when the Bhutto became the youngest member of Pakistan’s delegation to UN. In the year 1958, he became the youngest Pakistan Cabinet Minister under President Ayub Khan. He was famous for his demagogic styles of speech, which brought him to national prominence and popularity.

Pakistan is a developing country which is deficient in capital. Since its inception it has relied on foreign assistance to fill the financing gap which exists in different sectors. An efficient allocation of funds in each sector would have helped us overcome these difficulties and helped us raise the standard of living across the board. Due to mismanagement on the part of the government, there were wasteful expenditures. Now the country faces fiscal deficits due to corrupt government officials and poorly constructed policies. As a result of all this the country has amassed huge amount of foreign debt from donor countries (Hassan, 1998).

Pakistan is the sixth most populous country in the world with essentially an agricultural based economy. Water is an absolutely essential element for agriculture. However, Pakistan’s inability to plan for its future, and currently having poor infrastructure, outdated irrigation system and its internal politics has placed it on a disastrous path towards water scarcity. The apathy in the role played by the various stakeholders and the water institution that deals with the water allocation and its distribution has really been substandard to say the least. In essence it’s been the management aspect that has been the core reason why Pakistan finds itself in current disastrous situation today as far as water scarcity is concerned.

Pakistan, like many international countries, contains a plethora of healthcare delivery complications when providing services to its citizens. This is immensely concerning for the international community because Pakistan is the 5th most populous country in the world, and the largest land mass in the Eastern Mediterranean. Littered with an array of different terrains, climates, and features, Pakistan’s land mass is approximate 800,000 square km. Geographically, Pakistan divides its providences into five large and one small, with an additional three territories. The providences are listed below in sizes from smallest to largest: Gilgit-Baltistan, Pakhtunkhwa, Khyber, Balochistan, Sindh, and Punjab. (see fig. 1)

India is located in Southeast Asia by the Arabian and Bengal Sea and is bordered by Pakistan, Bangladesh, Nepal, Bhutan, and Burma. The country was previously colonized by the British and obtained independence in 1947, leading to the formation of a sovereign India. The country was later further divided into three distinct nations: Pakistan, India, and Bangladesh (Hoshiar, 2013). Present day India, as of July 2016, is home to a population of 1,266,883,598 individuals with roughly a 1:1 ratio of males to females (CIA). This ratio can be seen in the Population Pyramid for the country due to it being greater at the bottom then at the top and the left side (males) is being roughly equal to the right side (females). According to the CIA website, there is a 1.19% increase in population every year in India, which equates to roughly 2,500,000 people. India continues to grow rapidly, but there is still a divide present between males and females even though the ratio is the same. Males are held in higher esteem due to their image as the breadwinners of the family, whereas females are generally regarded as homemakers first and foremost. This stigma can be seen in the current literacy rate in India. The current rate is 81.6% literacy among men and 60.6% among women (CIA). The difference in the literacy rate between the two is roughly 20%. Despite the number of males and females receiving primary school education being the same, the education gap increases, as the children get older.