Affirmative Action Then vs. Now - 4130 Words

Affirmative Action: Then vs. Now In the 1960s when minorities and whites were equal according to the constitution but unequal in reality, a program was needed to level the playing field. Thus the Civil Rights Act of 1964 was created and prohibited discrimination. It marked the beginning of a debate that has been going on for nearly a half of a century. Affirmative action needs to be reevaluated in educational settings in light of current needs. The words affirmative action were first recorded in law in the year 1961 under the presidency of John F. Kennedy. Congress passed Executive Order 10925 instructing federal contractors to take affirmative action to ensure that applicants are treated equally without regard to race, color,†¦show more content†¦The two-track system was ruled illegal, so the University of Michigan adopted the point system, which was also rejected in 2003 when the Supreme Court ruled that unconstitutional as well. Ms. Gratz applied with a GPA of 3.8 and an ACT score in the 94th perc entile. Patrick Hamacher applied with a GPA of 3.0 and an ACT of 28. They were both turned down and went elsewhere to college. The two-track system is used on applications to decide where the emphasis is placed when considered for admissions. There are two boxes on in the application. If applicants check the first box, then the school will give most consideration to their GPAs and test scores. If they check the second box, the school will give more weight to the applicants experiences and accomplishments. The second box was designed to help blacks and Hispanics, but whites can choose it too. Rutgers came up with this system in order to try and maintain minority enrollment of one-third without engendering resentment of white applicants. The two-track system is used to deemphasize grades and test scores and favor other attributes. Instead of outright favoritism towards minorities, the application shows whether or not a student has overcome economic or cultural disadvantages, and the admissions office looks specifically for thoseShow MoreRelatedRacial Inequality And Affirmative Action900 Words   |  4 PagesCollege is a privilege that is now accessible to many people. It has not always been this way though. Lack of money, being deprived of representation, or racism hindered one’s chances in to getting into higher education, especially a minority’s chance. In order to raise against the barriers, President John F. Kennedy created the affirmative action program to provide equal opportunities for everyone, whether in education or in the workforce. Even if this was a program created in the 1960’s, problemsRead MoreAffirmative Action : The United States956 Words   |  4 PagesAffirmative Action Affirmative Action has been around for many decades from around the 1940s. Although it has not always been called affirmative action, the official title was not introduced until the 1960s. Back then affirmative action was more known as segregation or discrimination in the workplace or there lack of. The women and people of color were the targets of discrimination, which several presidents tried to correct for equality. The Past During the Great Depression affirmative actionRead MoreDebate, Suspicion and Controversy Created by College Admission Policies1275 Words   |  6 Pagesadmission policy is affirmative action. Since whites and other non-minorities feel that this admission policy doesn’t benefit them, so they attack it and say it is unjust. But in all actuality this admission policy is miniature compared to other preference such as legacy preferences. But whites do not attack this policy and overlook its significance because it benefits them. To show the significance, merit, and validity of each, I am going to explore the impacts and need for Affirmative action and legacyRead MoreAffirmative Action- Negative Team1486 Words   |  6 PagesModule 03: Group Position Paper: Affirmative Action Affirmative Action: Negative Team 1 Diversity in the Workplace Professor Linda Noeth Center for Distance Learning SUNY Empire State College Slavery in America can be traced all the way back to colonial times, or as historians have dated; 1619. Although slavery had technically been abolished by the late 1800’s, issues over race still remained prominent. Regulations such as â€Å"Jim Crow Laws†, that claimedRead MoreAffirmative Action vs Reverse Discrimination Essay1614 Words   |  7 PagesAffirmative Action or Reverse Discrimination Colleen Koehn Business Law 1038 Instructor Jackie Sexson March 1, 2010 South University Online There has been a large debate in recent years if affirmative action has gone against the American way, has affirmative action caused reverse discrimination? The establishment of affirmative action was put into place to create equal rights for racial minorities, ethnic minorities, women, the physically disabled and those who served in the militaryRead More Affirmative Action Essay787 Words   |  4 PagesAffirmative action- a plan to offset past discrimination in employing or educating women, blacks etc. (Websters New World Dictionary.) nbsp;nbsp;nbsp;nbsp;nbsp;The history of affirmative action has its roots in the Civil Rights Act of 1964, and stems from the United States Supreme case of Brown vs. Board of Education of Topeka Kansas. In 1965, President Linden B. Johnson issued Executive Order #11246 at Howard University that required federal contractors to undertake affirmative action toRead MoreAffirmative Action And The Civil Rights Act973 Words   |  4 Pagesunfortunate minorities. Among these government actions are the 14th Amendment, Equal Pay Act, and the Civil Rights Acts. John F. Kennedy perhaps created one of the most heavily debated policies today, his Affirmative Action Policy. Affirmative action is defined as, â€Å"the practice of improving the educational and job opportunities of members of groups that have not been treated fairly in the past because of their race, sex, etc.† (â€Å"Definition of AFFIRMATIVE† 1). The definition itself is vague and openRead MoreEssay on Affirmative Acti on855 Words   |  4 PagesAffirmative Action Is It Really A-Firm-Action? What is affirmative action? This has been a very interesting question throughout the past thirty years. Many people would like to answer it with simply the name given to programs that try to correct past and ongoing discriminations against women, racial minorities, and others in the work force and in education. Affirmative action was created out of Title VII of the Civil Rights Act of 1964. It actually went into effect because of an executiveRead MoreIs Affirmative Action in Higher Education Outdated?783 Words   |  3 Pagesï » ¿Is Affirmative Action in Higher Education Outdated? Affirmative action policies have been in place since 1957 (Rubio 144). Presidents Kennedy and Johnson signed executive orders in 1961 and 1964, respectively, requiring government agencies and their contractors to take affirmative steps to ensure minority participation. Johnsons order was modified two years later to include women. The Civil Rights Act of 1964 outlawed discriminatory hiring, promotion, and retention practices in both the privateRead More We Need Affirmative Action Essay1035 Words   |  5 Pages PRO-AFFIRMATIVE ACTION nbsp;nbsp;nbsp;nbsp;nbsp;What is it? Well affirmative action is, in plain text, the consideration of your class, race, gender, color, ethnicity, national origin, and disability when deciding who gets a certain job or admission into a school. If you are amenity applying for a job and there are other people that are applying as well then you will be considered for the job over one of the other people, even if they have more experience. It is not only for jobs, it is also

The Tell-Tale Heart - Critical Analysis - 1277 Words

Imagine the sight of an old mans eye, vulturous, pale blue, with a film covering it. Could this drive ones self so insane that one would murder a man because of it? This is the event that occurs in Edgar Allen Poes vivid tale The Tell-Tale Heart, from the book Designs For Reading: Short Stories. br brEvery night at precisely midnight, the narrator, who remains nameless and sexless, but for the sake of this essay I will refer to as he, ventured into the old mans room without making a sound, to observe the very eye at which the sight of made his blood run cold. The old man did not suspect a thing. During the day the narrator continued to go about his daily routine, and even went so far as to ask the old man every morning if he†¦show more content†¦151). Yet it is obvious by his actionsÂâ€" the fact that he murdered an innocent old man because of his evil eye-- that he is neurotic and mentally imbalanced. The narrators motivation for killing the man is notably obscure. It is impossible to say how the first idea entered my brain... Object there was none. Passion there was none. I loved the man. He had never wronged me. He had never given me insult. For his gold I had no desire.(p. 151). The only motivation for killing the man was his deformed eye. br brPoes tale is complete with strong foreshadowing, subtle irony, and vivid symbolism. The symbolism and irony lead to an enormously improved story as compared to a story with the same plot but with these two elements missing, while the foreshadowing adds to the suspense. The very first paragraph is full of foreshadowing. Above all was the sense of hearing acute. I heard all things in the heaven and in the earth. I heard many things in hell.(p. 151). I believe this foreshadows the fate of the narrator. Although we do not actually find out what happens to him, we know it will be profane. It is also foreshadowing his insane mannerism. Another example of foreshadowing is in the second paragraph, when he says He had the eye of a vultureÂâ€" a pale blue eye, with a film over it. Whenever it fell upon me, my blood ran cold; and so by degreesÂâ€" very gradually Ââ€" I made up my mind to take the life of the old man, and thus rid myself of theShow MoreRelated Critical Analysis of Poes The Tell Tale Heart Essay examples1635 Words   |  7 PagesCritical Analysis of Poes The Tell Tale Heart The Tell Tale Heart is a story, on the most basic level, of conflict. There is a mental conflict within the narrator himself (assuming the narrator is male). Through obvious clues and statements, Poe alerts the reader to the mental state of the narrator, which is insanity. The insanity is described as an obsession (with the old mans eye), which in turn leads to loss of control and eventually results in violence. Ultimately, the narrator tellsRead MoreThe Tell Tale Heart And The Premature Burial915 Words   |  4 PagesThe Tell-Tale Heart and The Premature Burial are two short stories by Edgar Allan Poe. The Tell-Tale Heart is about the narrator killing an old man. The Premature Burial is about a mans fear of being buried alive. The theme of the two works are closely related to fear and guilt. Poe’s stories have terrifying plots, solid themes and literary criticism. The Tell-Tale heart starts as An unknown narrator says he is nervous but not mad. Then he informs the reader that he will be telling a story aboutRead MoreEssay about â€Å"The Tell-Tale Heart† 1448 Words   |  6 Pagesâ€Å"The Tell-Tale Heart† by Edgar Allan Poe is a first-person narrative short story that features a disguised-cum-mysterious narrator. The narrator does not reveal any interest while proving his innocence regarding the murder of the old man. Moreover, he makes us believe that he is in full control of his mind but yet suffering from a disease that causes him over acuteness of the senses. As we go through the story, we can find his obsession in proving his sanity. The narrator lives with an old man, whoRead MoreEssay on Insanity: The Tell-Tale Heart by Edgar Allan Poe1165 Words   |  5 Pages â€Å"The Tell-Tale Heart† by Edgar Allan Poe is a first-person narrative short story that showcases an enigmatic and veiled narrator. The storyteller makes us believe that he is in full control of his mind yet he is experiencing a disease that causes him over sensitivity of the senses. As we go through the story, we can find his fascination in proving his sanity. The narrator lives with an old man, who has a clouded, pale blue, vulture-like eye that makes him so helpless that he kills the old man. HeRead MoreSummary And Critical Analysis Of Chaucer s The Miller s Tale923 Words   |  4 PagesSummary and Critical Analysis of Chaucer’s â€Å"The Miller’s Tale† Geoffrey Chaucer starts â€Å"The Miller’s Tale† out with an intriguing prologue. In this prologue, the Miller is found to be drunk due to his behavior towards the Reeve, and his judgment towards â€Å"The Knight’s Tale.† The Reeve and Miller have never seen eye to eye; they never have and never will. With this being said, the Miller tells a tale of a gullible carpenter whose wife cheats on him with an intelligent lodger. Since the Reeve is a carpenterRead MoreThe Tell Tale Heart Analysis1295 Words   |  6 PagesKlinger, Sabrina - Midterm Exam Explain the term ‘unreliable narrator’. How does this point of view complicate the plot in Poe’s, The Tell-Tale heart? An unreliable narrator is a narrator whose credibility has been seriously compromised whether it be in literature, film or theatre. Such as providing faulty, misleading or distorted details. The narrator in this short story is the killer. We really do not get the opportunity to really know the killer such as his name and what his motive is in killingRead MoreAnalysis Of Edgar Allan Poe s The Raven 1514 Words   |  7 PagesEdgar Allan Poe is a very well known writer who specifically liked to write poetry and short stories whose genres included mystery and horror. He’s well known for some of his most popular works such as The Raven, The Tell-Tale Heart, and Annabel Lee. Edgar Allan Poe has written many different pieces of literary work that make him unique from the rest. His literary works evoke deep thoughts and imagery. Poe was born in Boston, Massachusetts but mostly lived in Richmond, Virginia. Poe wrote his firstRead MorePhilippine vs. Anglo-Saxons Short Stories1239 Words   |  5 PagesMa. Gretchiela G. Gabral R71 Ma. Gretchiela G. Gabral R71 Comparative Analysis of Philippine and Anglo-Saxon Short Stories It could not be denied that the early Philippine short stories in English were influenced by the Anglo-Saxon. The Philippine short stories had evolved from the earlier literature of fables and folk tales and adapted the elements of the short stories of the Anglo-Saxon. The Philippine and Anglo-Saxon short stories were alike in many ways. I found â€Å"Dead Stars†, the firstRead MoreBruno Bettelheims Fairy Tale Insight Essay1646 Words   |  7 PagesThe birth of fairy tales is many times unknown, but their reputations have always remained the same. These tales not only attract children with their wondrous lands and magical charm, but they captivate the child by involving relatable characters with recognizable problems. While these stories provide mind-churning imagination, the lesson they provide does not cease to exist when the book is closed. Bruno Bettelheim, the author of Uses of Enchantment, has constructed an evaluation that fairy tale’sRead MoreEdgar Allan Poe Is An Incredibly Established American Author.964 Words   |  4 Pagesenables the audience to look deeper into the story. The way Poe can place himself in a criminal s mind is frightening. Poe’s stories always present themselves as eerie or sinister to the audience; therefore the audience is always engaged throughout the tale. An example of such a story would be Poe’s â€Å"The Black Cat.† The narrator of this terrifying short story is on death row. He is writing, confessing his crimes and trying to persuade the reader to feel sympathetic and understanding towards his offences

Business Analysis and Ratio Project †Get Complete Solution

Question: Diacuss about the Business Analysis and Ratio Project. Answer: Introduction Purpose In this given assignment, analysis of the financial standing of a organization will be done and comparison will be made on the basis and comparison will be done taking two other organization as a benchmark. Financial ratios analysis as well as strategic analysis like balance scorecard and porters theory and limitation of financial models and conventional analysis will be discussed. Case context of analysis Three Malaysian based bank had be taken for the financial comparison taking one as focus company and other two companies are taken as a bench mark. In addition, strategic analysis is made based on balance scorecard and modified porters forces (Jansen, Ramnath and Yohn 2012). After that, limitation of various financial models and conventional analysis is also discussed. Company background In this assignment, three banks have been selected for financial analysis, which are Hong Leong Bank Berhad(Focus bank), Public Bank Berhad(Benchmark Company 1) and Malayan Banking Berhad(Benchmark Company 2). Hong Leong Bank is Malaysia based listed bank performing its banking activities since 100 years. In 2011, it has merged with EON Bank Group, which to which has effectively turned it into a banking group of more than RM140 billion asset and expanded to almost 330 branches. Public bank is a Hong Kong based commercial bank established in 1934 under the authority of Hong Kong Monetary. Its share is listed in Malaysian stock exchange. Malayan bank mainly operates in Singapore, Indonesia and Philippines providing financial services. It mainly focuses on Islamic banking through its subsidiary. Key issues The main issues which has been given importance is that whether Hong Leon stands a better position in the industry as compared to other two banks and what are the measures is should take to improve its position. The affect on profitable due to various factors identified in Porters and customers satisfaction level, innovation and internal perspective of these bank on the balance scorecard is identified and evaluated. Rationale In todays world the importance of banking sectors is increasing drastically as it has became the basic need of individuals and companies. It provides funding to the companies as well as manages the savings of individuals. All the three banks are captures are performing its financial activities in Malaysian so comparison can be made easily. Financial analysis In this section various ratio will and revenue and earning capacity of Hong Leon Bank will be analyzed over five year and compared with other two banks taken as benchmark. Revenue analysis and forecast Under this section, revenue of the three banks will be analyzed, compared and discussed in depth based on which future forecast will be done. Revenue forecast (Million) Year 2011 2012 2013 2014 2015 Hong Leon Bank 2542 3894 3924 3935 4171 Malayan Bank 7102 15318 16929 21661 17542 Public Bank 7409 7747 7456 8155 9253 Percentage Change Year 2012 2013 2014 2015 Hong Leon Bank 53% 1% 0% 6% Malayan Bank 116% 11% 28% -19% Public Bank 5% -4% 9% 13% The findings from the revenue forecast clearly shows the Malayan bank is having the highest rise in compare to the Hong Leon Bank and public bank. The graphical presentation of the revenue date of further shows the Hong Leon Bank is in a declining stage than the other two banks. As per the revenue forecast the lowest trend in the revenue was observed to be in the year 2012 and expected to grow after 2015 (Maybank | Annual Report 2014. 2016). After that during the year 2013-2015, the revenue growth of Hong Leon has been much lower as compared to the other two banks whereas they have maintained a steady growth rate during the 5 years period. Although, the highest revenue has been observed to be of the Malayan bank with a revenue generation of RM 17542 million still the graph clearly shows the declining trend of the revenues. (Financials.morningstar.com. 2016). Hence, from the revenue forecast analysis it can be said that the revenue of Public bank is expected to grow at highest rate. Market Share growth In this section, the growth rate of market share of Hong Leon over five years will be discussed and compared with the other two banks. Market share growth (%) Year 2011 2012 2013 2014 2015 Hong Leon Bank 8.52 9.67 10.11 9.87 10.23 Malayan Bank 7.93 8.65 9.56 9.23 9.85 Public Bank 9.65 10.25 10.11 11.02 11.69 From the above analysis, it can be said that all the three banks have shown a moderate growth in the market share over the past five years however the growth rate of Public Bank is more than Hong Leon bank (Hlb.com.my. 2016). Therefore, it needs to improve it to become one of the leading banks in the Malaysian market. Profit margins Under this section, analysis of profit margin of three banks will be done: Profit margin 2011 2012 2013 2014 2015 Hong Leon Bank Net Profit (Million) 1135 1648 1856 2102 2233 Net Profit margin 45% 42% 47% 53% 54% Malayan Bank Net Profit (Million) 2676 5745 6552 6716 6836 Net Profit margin 38% 38% 39% 31% 39% Public Bank Net Profit (Million) 3524 3869 4065 4519 5062 Net Profit margin 48% 50% 55% 55% 55% Percentage Change Year 2012 2013 2014 2015 Hong Leon Bank -2% 5% 6% 0% Malayan Bank 0% 1% -8% 8% Public Bank 2% 5% 1% -1% Profit margin is derived as a percentage of revenue. Profit margin of Hong Leon has decreased during the year 2012 by 2 % which is much higher as compared to Public bank which has increased by 2%, whereas for Malayan bank it has not decreased at all (Vpr.hkma.gov.hk. 2016). After that during the year 2013 and 2014 profit margin of Hong Leon has increased by 6% every year, which is a good sign as compared to other two banks whose profit margin has fluctuated during these two years. Again, in 2015, the profit margin of Hong Leon has not changed and Public bank has not increased at all whereas for Malayan bank it has increased by 8%. Therefore, from the overall analysis of the past 5 years it can be said that Malayan bank is in a better position as compared to the other two companies (Financials.morningstar.com. 2016). Price Earnings Ratio Price earnings ratio Year 2011 2012 2013 2014 2015 Hong Leon Bank 10.26 11.85 11.23 11.93 12.29 Malayan Bank 9.62 10.56 11.01 11.53 11.94 Public Bank 12.38 13.07 12.96 13.58 14.6 From the analysis of the above data is can be understood that price earnings ratio of Hong Leon Bank is higher than Malayan Bank for the last five years whereas it is lower than Public Bank. Therefore, it implies that Hong Leon Bank should try to improve its price earning capacity in order to improve its market share (Maybank.com. 2016). However, Hong Leon Bank has been able to improve its price earnings ratio over the past five years, which is a very good sign. Debt level (gearing ratio) In this section, the capital structure of the three banks will be discussed and who stand a better position in debt equity mix will be analyzed. Debt Equity ratio Year 2011 2012 2013 2014 2015 Debt Hong Leon Bank 18690 18704 21566 19985 19635 Malayan Bank 65204 65855 81676 103744 12104 Public Bank 27230 23358 27072 34156 23647 Equity Hong Leon Bank 7465 11419 13037 14530 16790 Malayan Bank 34676 43815 47473 54741 63513 Public Bank 16420 18718 21197 28875 32308 Debt Equity ratio Hong Leon Bank 2.50 1.64 1.65 1.38 1.17 Malayan Bank 1.88 1.50 1.72 1.90 0.19 Public Bank 1.66 1.25 1.28 1.18 0.73 Change in debt equity ratio Year 2012 2013 2014 2015 Hong Leon Bank -0.87 0.02 -0.28 -0.21 Malayan Bank -0.38 0.22 0.17 -1.70 Public Bank -0.41 0.03 -0.09 -0.45 Debt equity ratio of all three banks has decreased during the span of 5 years, which is a very good sign as it implies that equity funding has increased as compared to debt funding during this 5 years (Hlfg.com.my. 2016). However, the debt equity ratio of Hong Leon is higher than the other two banks. Standard debt equity ratio for banking sector is less than 1 so Hong Leon should take measures to decrease it below 1 in future since other two banks debt equity ratio is already below (Palley 2013). Other ratio that are specific to industry In this section, some important ratio, which is relevant to banking sector, is to be discussed: Asset turnover ratio Year 2011 2012 2013 2014 2015 Total asset Hong Leon Bank 145498 157787 163586 170351 184020 Malayan Bank 451289 494911 560319 640300 708345 Public Bank 364870 369970 37608 38970 40234 Total Asset Turnover ratio Hong Leon Bank 0.0175 0.0247 0.0240 0.0231 0.0227 Malayan Bank 0.0157 0.0310 0.0302 0.0338 0.0248 Public Bank 0.0203 0.0209 0.1983 0.2093 0.2300 Asset turnover ratio implies that how an organization is efficiently using its asset for generating sales. It has been much below one for all the three banks however Hong Leon has been able to increase it from 0.017 to 0.024 in 2012 and remained at that level during the year 2013 to 2015 (Heikal, Khaddafi and Ummah 2014). All the three banks had maintained asset turnover ratio with the range of 0.01 0.03 which is very low and needs to be improved in the near future to survive in this competitive market (Hlb.com.my. 2016). Return on equity Year 2011 2012 2013 2014 2015 Hong Leon Bank 15.20% 14.43% 14.24% 14.47% 13.30% Malayan Bank 14.90% 13.11% 13.80% 12.27% 10.76% Public Bank 22.44% 20.45% 19.18% 15.65% 15.67% Percentage Change Year 2012 2013 2014 2015 Hong Leon Bank -0.77% -0.20% 0.23% -1.17% Malayan Bank -1.78% 0.69% -1.53% -1.51% Public Bank -1.99% -1.27% -3.53% 0.02% Return on equity implies the earning capacity of the company on the shareholders funds so that they can understand how company is utilizing their invested funds. For all the three banks it has decreased during the span of five years (Bell 2015). So they need to buck up to keep alive the faith of shareholders on them. From the above table it can be said that ROE of Hong Leon is better than Malayan Bank however, it is lower than Public bank during 2011 to 2015. Strategic Analysis Under this head evaluation of performance is based on the Porters forces and Balance scorecard as strategic analysis. Modified Porters five forces It is model to analyze the assessment of a given industry and understand the drivers that measure the competition and profitability of the organization. It the extension of porters five forces which was introduced by Michael Porter in the year 1979. The six forces were introduced in the mid 90s (E. Dobbs 2014). This model describes the six forces, which are considered while determining the corporate strategy to evaluate the overall efficiency of an industry. The six forces in terms of the three mentioned banks are discussed as follows: Competition: The banks have been observed to have several rivals in the industry. The existing rivals present in the industry faces it. All the three banks may exercise this by giving discount to the customers, new innovative product at cheaper cost (Dey 2016). If competition level between the rivals in the industry is higher than it can stifle the profitability of the whole industry. New entrants: Both the Hong Leon Bank and Public should be open to new entry of an organization which can give threat to the existing banks in order to gain market share. This puts pressure on all the three banks in relation to price, rate of investment and cost (Guggenheim 2016). The threat becomes intense when they diversify from another market as it can leverage existing cash flow, expertise and brand identity, which can put strain on the profitability of existing organization. Buyers / End User: Powerful customers tend to play a very important role in cutting down the prices and demand best quality products. Bargaining power of the loyal customer in terms of the credit finances rates becomes higher when small number of buyers avails for smaller loan products. Suppliers: The supplier effect is not present in case of the financial products hence this parameter is not applicable. Substitutes: Substitute banking products in terms the various types of the investment options available with banking institutions is major threat to the present banking services offered by the three banks. For example, the investment in the stock option can be exercised in form of both mutual fund and SIPs. Both are substitute investment option with their pros and cons. (Nguyen 2015). If the threat of substitute is very high then the profitability of the organization suffers. Complementary: This is the sixth force. It means the various types of the banking services that are offered should be compatible in nature, (Barua and Parveen 2014). If they are not compatible with each other then the impact will be negative. (Source: Yunna and Yisheng 2014) Balanced scorecard It provides the users with set of information to analyze the performance of relevant areas of an organization so that it can attain its objectives. It differs from organization to organization and includes four perspective which are financial, internal, learning and innovation and customer perspective (Humphreys, Gary and Trotman 2015). It helps the management to evaluate the performance of the managers on certain areas and decide whether they need to improve in that section or not. Balance scored Industry specific KPI Hong Leon Malayan bank Public bank Learning and internal growth Number of new products Employee Satisfaction Employee Turnover Number of trained employees or training programs New divisions Promotions The employees satisfaction can be improved in this bank an d bank needs to improve the internal factors for reducing the employee turnover This bank has showed immense potential in setting up of trained employees offering several type of the promotions among the existing employees (Ratnasingam 2014) Public bank is the best in this parameter and is successful on the formation of the several type of the divisional offers for the employees. Process or operations Innovations Technology Hong Leon have a team who are responsible to bringing new products in the market as compared to the other two banks which is a very good sign Need to identify and employ higher scope of expansion in the business activities The process needs to improved with the important Customer perspective Debit card service Credit card service Home loan and car loan service Customers of Hong Leon are satisfied with the facilities provided by the bank (Nrreklit and Mitchell 2014) Malayan bank needs to be improve in this aspect Public bank also needs to improve in this aspect Financial perspective Better Leverage Ratio Asset turnover ratio Debt/Equity Ratio Price Earnings Ratio Better Revenue Generation Hong Leon has low financial ratio. Hong Leon should take steps to improve its financial standing in near future Malayan Bank is observed to be having then best financial ratio Public Bank has moderate scope for improvement Limitations In this section various limitation of financial and conventional analysis will be discussed Limitation of financial models in analyzing performance Financial model is used to analyze performance of an organization from the data available from the financial statement i.e. income statement and balance sheet which shows various expenses, income and asset and liabilities. However, these statements never reflect how the organization is performing in the market or the exact net worth of the organization. The various difficulties and limitation of financial models are as follows: Financial Standings: Financial models never reflect the real worth of an organization i.e. the users of financial models will never understand whether the organization is worth investing in or not (Healy and Palepu 2012). Cash flow statement and income statement only shows how much the organization is earning and spending in various sections. Market trend: All the financial models are inefficient in showing the actual performance of an organization when it comes to analysis. Although the turnover of a organization increases in the year it may said to be performing well when compared to the other companies in the industry as it never reflects the market trend. Accurate liability and asset value: Financial models analyze the performance of a organization on the basis of values obtained in balance sheet (Damodaran 2016). However, balance sheet never reflects the actual value of items as they are valued at the carrying amount or book value which may differ from the market value. Past data: All the financial models is based on the past data available from financial statement. Therefore, it is impossible for it to determine the future prospects of an organization on the basis of these financial models. Limitations of Conventional Analysis Conventional analysis is the most traditional approach of measuring the financial performance of an organization. However there is various limitation of conventional analysis which is as follows: Conventional Analysis is not actionable: It describes only what has happened during the year but fails to describe why it has happened. Also it is done at the end of regular intervals like monthly, quarterly or yearly and business cant wait for so long. Conventional analysis gives emphasis to only one viewpoint of performance: Management of an organization requires determining the future performance of an organization where strategy plays an important role (Yu, Duan and Cao 2013). They need to implement the strategy to achieve the long-term goals of an organization. Managers also require a performance measure to evaluate their own performance on a daily basis. Limited guidance to future actions: conventional analysis doesnt allow the managers to evaluate the areas which is required to be developed in future for successful running of the business achievement of long term goals. Encourage actions, which may decrease both customer and shareholders value: Conventional analysis force managers to achieve short-term objectives in place of long-term objectives where the basis of remuneration is dependent on short term success of the organization, which have a negative impact on the customers as well as shareholders value (Vogel 2014). Conclusion From the above analysis it can be concluded that revenue had shown a steady growth for all the three banks whereas net profit margin of Hong Leon showed a steady growth as compared to the other two banks, which is a good sign. While Malayan bank has highest scope for growth. Debt equity ratio has decreased for the five years span which is a good sign for all the three companies whereas return on equity have decreased during this time period which not a good sign for all the three banks. Asset turnover ratio for all the three banks is very low which shows they are not properly using their asset to generate revenue. Recommendation Hong Leon should try to maintain its growth rate in future in relation to revenue and net profit and try to improve it future. It should also try to decrease its debt equity ratio further below one as it is standard for banking sectors. Debt funding should be less than equity funding in order to have a good capital structure. Hong Leon should also try to increase its asset turnover ratio as it is very so low to efficiently utilize its asset for earning revenue. It should also try to increase its Return on earning as it shows a decreasing trend in the past five years. It Hong Leon is able to improve then it then its shareholders will lose faith on the management. References Barua, A. and Parveen, S., 2014. Assessment Of Competitiveness And Country Conditions For Lpg Market Of Bangladesh: By Porters (1998) Five Forces And National Diamond Model .Proceedings of the 15th Annual Paper Meet,7, p.08. Bell, C., 2015.Generic organizational strategy integration impacts on profit margin ratio and inventory turnover in publically traded Oklahoma manufacturing organizations(Doctoral dissertation, INDIANA STATE UNIVERSITY). Damodaran, A., 2016.Damodaran on valuation: security analysis for investment and corporate finance(Vol. 324). John Wiley Sons. Dey, K., 2016. The fast food industry in the UK. 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The Collision of Indeterminate Environments and Porters Forces: Uncertainty Fields and Their Impact on Entrepreneurial Alertness.Strategic Change,25(3), pp.239-257. Healy, P.M. and Palepu, K.G., 2012.Business Analysis Valuation: Using Financial Statements. Cengage Learning. Heikal, M., Khaddafi, M. and Ummah, A., 2014. Influence Analysis of Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), Debt To Equity Ratio (DER), and current ratio (CR), Against Corporate Profit Growth In Automotive In Indonesia Stock Exchange.International Journal of Academic Research in Business and Social Sciences,4(12), p.101. Hlb.com.my. (2016). [online] Available at: https://www.hlb.com.my/main/assets/files/about-us/annual-reports/ar2015.pdf [Accessed 9 Aug. 2016]. Hlb.com.my. (2016). [online] Available at: https://www.hlb.com.my/main/assets/files/about-us/annual-reports/ar2014.pdf [Accessed 9 Aug. 2016]. Hlb.com.my. (2016). [online] Available at: [Accessed 9 Aug. 2016]. Hlfg.com.my. 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Mens Men and Womens Women free essay sample

Men’s Men and Women’s Women -Steve Craig Medha Aravind Essay 2 355:101:02 Professor Zeuguin Large advertising agencies have evolved pseudo-scientific methods through experience, research and intuition that yield a demographic profile of the target audience, who are the most important predictors of purchasing behavior. Advertisers carefully craft their ads to appeal to male and female consumers, respectively. For example, advertisers use the daytime to reach women who work at home while prime time is used to reach women who commute to work daily and weekend sports periods are optimum time for advertising products and services aimed at men. Steve Craig in â€Å"Men’s Men and Women’s Women†, claims that just as programming manipulates gender portrayals, commercials should manipulate too, to pleasure the target audience by associating the product with a pleasurable experience and that this depends on how the commercials portray men and women to themselves and the other sex. We will write a custom essay sample on Mens Men and Womens Women or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Steve Craig uses the example of an automobile commercial to show how men are portrayed to other men in advertisements. 29% of the commercials aired during weekend sports periods are for automobiles as men as seen as the primary decision makers for purchases from the automobile industry. Commercials for automobiles usually involve camaraderie in all male or nearly all male groupings. This escapism and male camaraderie is an extension of the same that men enjoy when they watch weekend sports on television as it offers them a chance to escape from the growing ambiguity of masculinity in everyday life. Thus, the commercial reinforces male fantasies of clear masculinity and male domination. The presence of the single women in the ad serves to stop the confusion of any signs of homosexuality because the woman appears as an anonymous object of desire. The men’s men therefore, have the unchallenged freedom of a fantasized masculinity, i. e to travel, to be free from commitment and to seek adventure. According to Craig, a beer commercial is a perfect example of how a woman is portrayed to a man. Men’s women are physically attractive, slim and usually young, white, blond and dressed in revealing clothes, who seldom challenge the primary masculine fantasy as they are always portrayed outside home and are only infrequently portrayed as wives. They are generally portrayed as admirers who approve of some aspect of product use while, the men are portrayed as far too cool for conversation or commitment. The man’s face is never shown which allows the man to become a participant in the mystic fantasy. The physical pleasure of consuming alcohol is tied to that of the pleasurable fantasy of anonymous women lusting after the men, eager for sex without commitment. While avoiding portraying women as sex objects in a daytime or prime time commercial helps business, it is seldom found in commercials aired during weekend sports periods. Unlike automobile and beer commercials that are targeted at the male audience, commercials like ‘The Weight Watchers’, show how women are portrayed to other women. A woman is portrayed with a desire to attain and maintain her physical attractiveness in order to maintain her family’s unity and security as she is always portrayed with a husband, small children and a house. Dieting is a difficult form of self-deprivation but the woman hates her overweight body. Therefore, the ad promises to alleviate the pain of dieting while relieving the anxiety of being overweight. The use of the female voice in first person allows all women to identify with the woman on screen and these commercials are usually aired during daytime or prime time soap operas and are targeted at the female audience working from home or away from home. To explain how a man is portrayed to a woman, Steve Craig uses a deodorant commercial. The woman’s man is portrayed as good looking, sensitive, romantic and even appreciative of a woman. The commercial comes of as a 30-second romantic novel where the woman wants the man to initiate the love making even though she may be in control. The man is strong, active and wealthy but also vulnerable which allows the woman to mother him at first. The woman’s body is the source of the man’s attraction and the only way a woman can negotiate the relationship is by maintaining her physical attractiveness. The product is the source that promises the fulfillment of the fantasy, i. e, the sexual fulfillment and the security of a caring relationship. The women are portrayed as intimates who have relationships that exist long after the commercial is over, raising the hopes of women and attracting the women to the said product. Steve Craig thus concludes the essay by stating that, the images in an ad are designed to associate the product with feelings of pleasure stemming from fantasies and anxieties. The commercials undo the threat to the patriarchy as they are based on assumptions that the men and women continue behaving according to the rules of patriarchy. Commercials for women reinforce patriarchy while commercials for men reinforce masculinity under patriarchy. The only means to escape from the manipulation of the advertising companies is to understand the genders better and also to understand the role of mass culture in defining the genders.