Periodic and families relationship of typical element Lab Report

Periodic and families relationship of typical element - Lab Report Example The report focus on demonstrating that most element within the same family or group exhibit similarity in their chemical reactions. Across the period, however, they show very different chemical behavior. These similarities and differences helps in grouping, and classifying the elements on the periodic table . (GreenWood) Materials involved in the experiment are standard laboratory equipment, samples of Sodium (Na), Magnesium (Mg), Aluminum (Al), Carbon(C), Sulfur(S), and water (H2O). Each element is then burnt in oxygen, and later further adding water and acid test their resulting oxides. The data and observations are as follows If a little quantity sodium is burnt in air, it often burns with an orange glow. A larger quantity of sodium burns with a strong orange flame in oxygen. The result is usually a white solid mixture of sodium oxide and in some instances, sodium peroxide is produced. (van Spronsen) Sodium and Cesium are metals from group 1 elements on the periodic table. Cesium is more reactive than Sodium. These elements burn in oxygen to produce metal dioxides. Potassium is also an element in this group. Magnesium belongs to group 2 in the periodic table; it is reacted with Oxygen to form Magnesium Oxide. The chemical properties of elements in this group are marked by the high reducing power of these metals. It is worth to note that these elements are more electropositive down the Group. Metals of this group react vigorously with oxygen. (Mazurs) Group 1 and group 2 elements are metallic by nature; they burn in Oxygen to produce Metal Oxide. When these metals are put in water, they form basic substances. Aluminum is also classified as a metal, although and it belongs to group 3 called transitional metals in the periodic table. Aluminum Oxide though form amphoteric substance since it reacts as both the basic and acid. In the reactivity series, Aluminum metal is less reactive with Oxygen compared to both Sodium and Magnesium. As with all

The Inundation of North American Coasts Essay Example | Topics and Well Written Essays - 1750 words - 1

The Inundation of North American Coasts - Essay Example During coastal inundation, areas nearing the meeting points of creeks and rivers tend to be more susceptible since high seas can lead to the backing up of rivers. Coastal inundation is also accompanied by rising sea levels, which may lead to high intensity storms in the future (Spaulding 588). Several factors can be attributed to be the causes of coastal inundation; one of the main causes of coastal inundation is storm surge. Storm surge details the rise of water abnormally as a result of a storm that may be above the wave conditions that have been predicted. A combination of astronomical tide and storm surge leads to storm tide in the North American Coasts. Storm surge contributes to coastal inundation since it leads to the rise in water level. The rise in the level of water leads to flooding in the coastal areas. A storm surge may emanate from low atmospheric pressure that may emanate from hurricanes (Spaulding 588). Another notable cause of coastal inundation includes large waves that may be experienced in the coastal region. These waves may be caused by local winds or they may emanate from storms that occur from a distance. The waves lead to a rise in the water level, thus causing devastating effects of floods on the land adjacent to the North American Coast. The inundation of the North American Coasts is also caused by wave set-up. This takes place when the average sea level rises, especially in the zone referred as the surf zone. The other cause of coastal inundation includes the flooding of rivers as a result of rain. The flooding of rivers as a result of rain increases the severity of the flood. Seasonal cooling and heating of the oceans can also be referred as another cause of coastal flooding; this is because such variations contribute to high levels of water in the sea (Spaulding 590). Inland floods can also cause coastal inundation; these floods take occur during a fall in the moderate

The French Headscarf Affair Essay Example for Free

The French Headscarf Affair Essay The Headscarf affair which took place in France during the 1990s is a clear representation of the French refusal to revise their national identity. As the rate of post-colonial migration rose, so did the population of Muslims living in France. This rise of Muslim population spurred the start of the Headscarf affair which was used as a tool, against Muslims, to prevent the revision of the French national identity. The affair was justified by three main reasons, 1) to protect the idea of Secularism, 2) to achieve a â€Å"visible integration† and 3) to prevent the inevitable Islamic invasion of France. These three justifications, when considered in conjunction with each other, are able to show how the Headscarf affair in France is representative of a French refusal to revise their national identity and incorporate their new post-colonial migrants into their society. The French held high the ideology of Republic Universalism, a notion that aimed to decrease traces of difference between people, resulting in a national ‘sameness’. From this, the idea of Secularism was formed which aimed to provide a clear barrier between the State and religion. If the French could succeed in executing the idea of Secularism, they could separate the state from religious practices which would in turn remove any â€Å"religious divides that exist in society† which would lead to a religious sameness which in turn would add to the national identity of France and would prevent a revision of this identity. The Headscarf affair became the French government’s tool to the protection of Secularism in France. In 1989 the affair began when headmaster Ernest Cheniere refused to let three girls, each wearing an Islamic Headscarf into school ‘on the grounds that it would contravene with the principle of Secularism. The affair continued to gain momentum until in 1994 Francois Bayrou, the Minister for Education, put a ban on the wearing of any â€Å"Overt† religious symbols to school, with the aim of removing any religious divides and promoting equality and sameness. This rapid growth of the affair from the point of a refused entry to a ban on the Headscarf not only shows the French dislike towards the Muslim community but also indicates how the Headscarf affair, through the implementation of Secularism, represents the French refusal to revise their national identity. To the French it seems that appearance is more than reality when it comes to the idea of national identity. It can be argued that the French, with consideration to the post-colonial influx of Muslims, were only after a â€Å"visual integration†. It did not matter if the nation was actually unified and could be identified on a deeper more patriotic level; the focus was on the appearance of the nation. If the citizens of France appeared to have one identity, an identity that promoted the idea of sameness, as discussed earlier, then the national identity of the country was upheld. In order, however, for the French to retain this identity of visual integration and sameness, something had to be done about the Muslim women who were â€Å"emphasising religious differences† by wearing the headscarf. Action was taken against visual setbacks to national identity in 1994 when, as previously stated, Francois Bayrou placed ban on the wearing of all â€Å"overt and ostentatious† religious symbols. His justification was that the wearing of such symbols ‘separated students’ by causing visible â€Å"barriers to assimilation†, integration and unification. Clearly, the aim of Bayrou was to demolish any visible differences between the citizens of France and retain this visible unification that was deemed to be the French national identity. Ironically however, excluded from this ban were the Christian Crucifix and the Jewish Kippa, both being deemed â€Å"discreet. † Had Bayrou been consistent in his ban of visible and ‘overt’ religious symbols, his justification of the separation of children may have been plausible. With this ironic exclusion in mind we are now in a position to examine the real underlying factor as to why the Headscarf affair began in the first place and why the French used it to protect a potential revision of their National Identity. The primary and underlying factor contributing to the French Headscarf Affair during the 1990s is the French paranoia of the â€Å"phenomenon of Islamicization. † The French were convinced that with the mass influx of post-colonial Muslims, an Islamic invasion of France would come and with this invasion would come the rapid demise of the already established French national identity. As the wearing of the headscarf became more apparent on Islamic women in France, the French paranoia grew stronger with the Front National party going as far as proclaiming that the Muslims were â€Å"implanting themselves symbolically by the wearing of the headscarf. † In an attempt to protect their country from Islamic invasion and a potential revision of their national identity, the French implemented the ban on Islamic Headscarves and recruited support for this ban from the French community. The government used the media as their main source of recruitment; often portraying Muslim girls as tools used by the Islam’s to infiltrate France. Newspapers began to sprout exaggerated and bias headlines such as â€Å"Headscarves, the plot: how are Islamists infiltrating us† and articles declaring that â€Å"the fact that Muslim girls wished to wear a headscarf was a clear sign of Invasion. † With the support of the majority of the citizens in France, the French began executing the headscarf ban around the country in a desperate attempt to defend their nation from â€Å"the invasion by a troubling stranger and the fear of losing supremacy† and in turn prevent themselves from having to completely reconstruct their national identity. As we can see by examining the French Headscarf Affair and its three primary reasons of justification, the protection of Secularism, the achievement of â€Å"Visible Integration† and the prevention of an Islamic invasion, the Headscarf affair of the 1990s does in fact represent a French refusal to revise their national identity and incorporate their new post-colonial migrants into their society.

Recommendation For Cimb Group Finance Essay

Recommendation For Cimb Group Finance Essay Maybank Bhd is the largest financial services provider in Malaysia since its incorporation. It has been leading in the banking industry for several years. Maybank was founded by Khoo Teck Puat on 31 May 1960 and commenced operations on 12 September 1960. On 17 February 1962, Maybank was listed on the Bursa Malaysia. The Maybank Group today has over 46,000 employees serving more than 22 million customers globally. Maybank offers a full range of commercials, corporate and private services including commercial banking, Islamic banking, investment banking, insurance, stock broking, offshore banking, leasing and hire purchase, factoring, nominee services, trustee services, asset management, venture capital and Internet banking. Maybank has an international network that covering in 20 countries namely Cambodia, Vietnam, Uzbekistan, Indonesia, Bahrain, China, Papua New Guinea, Philippines and Pakistan of over 2200 braches. Maybank also enlarged its network to New York and London. Furthermore, Maybank was the first bank from Malaysia that success granted the right to establish a branch office in China. The groups key operating subsidiaries including Maybank Investment Bank Berhad, Kim Eng Holdings Ltd, Maybank Islamic Berhad, Etiqa, Bank Internasional Indonesia Tbk. In addition, the key overseas unit subsidiaries of Maybank include PT Bank international Tbk (BII), Maybank Philippines Inc., Maybank (PNG) Ltd in Papua New Guinea and Maybank International (L) in Labuan. (Maybank Overview) 1 Background of CIMB Group The creations of CIMB Group take more than 75 years since year 1924. It has merged few banks in Malaysia and finally forms CIMB Group until now. CIMB Bhd was listed on Bursa Malaysia in January 2003. And in year 2006, CIMB Group was launched as a Regional Universal Bank by the merger of Commerce International Merchant Bankers, Bumiputra-Commerce Bank and Southern Bank. Nowadays, CIMB Group is the second largest financial services provider in Malaysia. (History of CIMB Group) Headquartered in Kuala Lumpur, CIMB Group retail network of over 1100 branches are covering 18 countries in ASEAN with over 43000 employees. CIMB Groups main markets are Malaysia, Singapore, Thailand and Indonesia by across the following areas which are Wholesale Banking, Consumer Banking, Treasury Markets, Group Strategy Strategic Investments, and comprising Investment Banking and Corporate Banking. (Profile of CIMB Group) CIMB Group offers a full range of financial products and services, covering corporate and investment banking, consumer banking, treasury, insurance and assets management. CIMB Group have operates under several corporate entities including CIMB Bank, CIMB Investment Bank, CIMB Niaga, CIMB Islamic, CIMB Securities International and CIMB Thai. (Profile of CIMB Group) 2 Ratio of Maybank and CIMB Group May Bank CIMB Group Return on Equity Capital (ROE) 61.78% 15.17% Return on Assets (ROA) 1.12% 1.36% Net Interest Margin 1.74% 2.22% Net Non interest Margin 1.00% 1.32% Net Operating Margin 1.49% 3.55% EPS 61.4sen 54.2sen Earning Spread 2.17% 3.12% Return on equity capital (ROE) is the amount of net income  returned  as a percentage  of shareholders equity.  Return on equity capital  measures a corporations profitability  by revealing how much  profit a company generates  with the money shareholders have invested.  The ROE of CIMB group is 15.17% in 2011 and the ROE of May Bank is 61.78% in 2011. In this number shown that the CIMB Group have a greater ROE compare to May Bank. This shows that CIMB Group has more shareholders invested and it generate more profit than May Bank. As a result, shareholder able to receive more return from their money invested in CIMB Group. As the net profit increases, dividend pay to the shareholder will also increases since corporation had make a great profit for the year. CIMB Group had shown a good financial position of company based on the high return on common stock equity (ROE). They had spent wisely on their investment during the year. It is worth to invest as the higher stoc k price hold by the company. It had success to maximize shareholder wealth. 3Return on asset (ROA) is an indicator of how profitable a company is relative to its total assets.  ROA gives an idea  as to how efficient  management is  at using its assets to generate earnings. In year 2011, ROA of CIMB Group and May Bank is 1.36% and 1.12% respectively. That indicating CIMB Group earning about RM 0.014 for each ringgit in assets and May Bang earning about RM 0.011 for each ringgit in assets. Comparing the numbers, CIMB Group have a bit higher of ROA compare to May Bank. This mean the CIMB Group gets higher return generated in relative to the total capital provided than May Bank. Thus, CIMB Group is doing better in investment to generate profits than May Bank. Net interest margin is a performance metric that examines how  successful a corporations investment  decisions are compared to its debt situations. The net interest margin of CIMB Group is 2.22% and interest margin for May bank is 1.7%. Both of them have generated positive value of net interest margin. It denotes that the firms make an optimal decision, because the amount of returns  generated were greater than interest expenses by investments. The figure also show CIMB Group have a higher net interest margin compare to May Bank. This mean CIMB Group is more optimal in making decision. Net non-interest margin is the measurement of the amount of non-interest revenues of the financial firm has been able to collect relative to the amount of noninterest cost incurred. In 2011, the net non-interest margin of CIMB Group and May Bank is 1.32% and 1% relatively. The result shown that, CIMB Group has higher net non-interest margin. This mean CIMB Group shows better performance in the non-interest revenue compare to May Bank. Net operating margin is a measurement of what proportion of a companys revenue is left over after paying for variable costs of production. The net operating margin for CIMB Group is 3.55% and net operating margin for May Bank is 1.49% in 2011. This  means that  CIMB Group makes RM 0.036 for every ringgit of sales and May Bank makes RM 0.015 for every ringgit sales. In the calculation show CIMB Group have better operating performance compare to May Bank. 4Earnings per share are a portion of a corporations profit allocated to each outstanding share of common stock. EPS for CIMB Group is 54.2sen and EPS for May Bank is 61.4sen.Both companies have the positive value of EPS which indicates that they are earning profit. According to the EPS between these two banks, we found that May Bank has higher EPS compare to CIMB Group. This indicated that May Bank has higher profitability and performance compare to CIMB Group. Earning spread is measurement of the effectiveness of a financial firms intermediation function in borrowing and lending money and also the intensity of competition in the firms market area. In 2011, CIMB Group has 3.12% of earning spread and May Bank has 2.17% of earning spread. According to the calculation, CIMB Group has higher earning spread compare to May Bank. This mean CIMB Group is more effective in borrowing and lending money and also the intensity of competition in the firms market area compare to May Bank. 5 Risk Analysis for Maybank Malayan Banking Berhad (Maybank) is the largest bank in Malaysia. Maybank provides a wide range of service and product to their customers. Over the decades, just like other financial institutions, Maybank had undergone technologic revolution. Nowadays, customer can made transaction or payment through bank electronic support system (maybank2u). However, this system may not operate or function well. For example, some users have experience of unable to receive Maybank TAC number through their phone. It causes inconvenience to Maybanks customer because they cannot made payment via Maybank2u. There was an announcement on Maybank website. It stated, We are experiencing a general issue with TACs from Maybank2u at the moment. Some users may experience delays in receiving it. The bank is exposed to operation risk. Besides that, public receive fraudulent telephone calls, emails or SMS claiming to be from Maybank. Those fraudulent telephone calls, emails or SMS will request personal and confidential account details such as personal identification number, passwords, conformation of credit card transaction, and so on from Maybank user. Consequently, their money or credit card will be embezzled. There are a few cases happened and it caused public unconfident to bank. Public will start panic and withdraw money from bank. The banks liquidity condition will decrease and be exposed to liquidity risk. According to Perbadanan Insurance Deposit Malaysia (PIDM), on May 2010, the Prime Minister Dato Sri MohdNajib bin Tun Haji Abdul Razak, who is also our Finance Minister, had announced the increase in deposit insurance limit to RM 250,000 from previous RM 60,000 with effective from 31st December 2010. This will create credit risk, management risk and liquidity risk. Increase of deposit insurance limit cause moral hazard problem to rise. Maybank may invest in through those risky investments or holding risky asset. Maybank will be less incentive to protect banks benefit and does not mind to hold high risky asset because PIDM will pay off insurance limit up to RM 250,000. 6Next, Bank Negara Malaysia (BNM) announces to raise Statutory Reserve Requirement (SRR) Ratio from 3.00% to 4.00%, effective from 16 July 2011. Increased in Reserve Requirement Ratio causes Maybank ability to lending out decreased. Thus, Maybank become more prudent in approving loan with appropriate review and documentation. It can be seen by nonperforming loan ratio of 1.30% in 2011 compare with 1.63% in 2010. When nonperforming loan ratios of Maybank decrease, it will cause credit risk to reduce too. Risk weighted capital ratio of Maybank in 2011 is 15.36% (assuming full investment of Dividend Reinvestment Plan). Thus, it will expose to liquidity risk and credit risk. Risk weight also known as the capital adequacy framework. The minimum regulatory of capital adequacy requirement for the risk weighted capital ratio is 8% according to BNM rules. Since risk weighted capital ratio of Maybank exceed minimum requirement of capital adequacy, we can know that Maybank is well-capitalized. Maybank has good liquidity condition and Maybank can loan this amount of money to generate more outcome. However, it will increase the credit risk. Maybank may lend loan to those customer who has high risk. Furthermore, The star in 2011 stated that Maybank had issue RM 1 billion of subordinated notes under its notes programmer of up to RM 3 billion. Maybank said the subordinated notes including two tranche. Tranche 1 is RM 750million with tenure of 10 years on a 10 non-called 5 basis and Tranche 2 is RM 250 million with tenure of 12 years on 12 non-called 7 basis. The subordinated notes received a strong support from investors. Capital of Maybank will increase by issuing RM 1 billion of notes. Hence, Maybank will not be facing capital risk.Maybank may face market risk due to change of market risk. Maybank may be able to determine the interest rate. Consequently, Maybank will face significant losses. 7From 11 May 2011, Maybank announced to increase its deposit and base lending rates (BLR). Deposits rate will be risen up to 30 basis points. However BLR will increase by 30 basis to 6.60% p.a from previous 6.30% p.a. It will give impact to capital risk, liquidity risk and market risk. BLR is the cost of borrowing money. Increasing BLR causes addition payment added on shoulder on borrower. Deposit rate increase will attract depositors keep their money in Maybank. From Maybank annual report 2011, the Groups customer deposit grew 19.0% to RM 282.0billion while it increased 14.9% to RM 201.5billion at the Bank level. Last but not least, Maybank also exposed to market risk. In June 2011, Board of director of Maybank had declared that they had stopped the plan that take over RHB Capital Bhd and would not to pursue the possible merger at this movement. When this merger negotiations breakdown, Maybank share price had decline 2 sen to close at RM 8.82. It is due to great disappointment from investors. Risk Analysis for CIMB Group As we know, every business will contain risk while for CIMB Group will also wont be in the exception. To prevent those losses, CIMB Group had employed Enterprise-Wide Risk Management Framework to manage the risk that might face by CIMB Group since year 2008. At first, the most common risk that will face by a bank is credit risk. Credit risk is the risk which means the declining of assets value for a firm while the loan is one of the important assets that will face this type of risk for a bank. For CIMB Group, they had done some analysis to analyst the credit risk and try to figure out the way to reduce the increasing of the credit risk such as geographic distribution. Geographic distribution is the way of managing the portfolio differently according each country and the value of the loan that provide for each country also will be different. For example the CIMBBG in Malaysia and Singapore, due to headquartered for CIMB Group is in Kuala Lumpur, Malaysia therefore the main credit exposure is much higher for Malaysia which is RM191435925000 compare to Singapore which only have RM16373165000. Besides that, the group risk management will monitor the establish credit limits by daily in tend to reduce the credit risk that will take by CIMB too . 8 Next is about the liquidity risk. Liquidity risk is about the probability of firm cant transform the assets into fund in order to make profit or other purpose. From the risk weighted capital ratio that stated by CIMB Group in year 2011 is around 16.8% which shows the increase of value compare to year 2010 which only have 15%. The announcement of the amount will cause reduce of chance for CIMB Group expose to the liquidity risk and also credit risk as well. According the rule set by Bank Negara Malaysia which is the minimum regulatory of capital adequacy requirement for the risk weighted capital ratio is 8%. By comparing, we will know that the liquidity of CIMB Group is in good condition which will reduce the liquidity risk and credit risk too. This will increase the confident of customers and investment towards CIMB Group in the same time. On April year 2011, one of the articles from The Star state out that CIMB Group had earlier secured several US dollar term loan facilities but will all-in pricing of 0.9%-0.98% per annum which is above the London Interbank Offered Rate (LIBOR). This situation tends let CIMB Group get reduce for liquidity risk but will increase the debt of CIMB Group. On 30 September 2011, CIMB Group announced that they had a market capitalisation of approximately RM51.8 billion. With this high amount of market capitalisation, the liquidity risk that will face by CIMB Group will be greatly reduced at the same time CIMB Group also been proved that dint face the capital risk as well. Besides that, markets risk also one of the risks that might face by CIMB Group. Market risk is about the probability that the firm loss the position in the market which is the value of firms investment portfolio declining due to economic changes or some of the events that will impact the market. In year 2011, the Dato Sri NazirRazak, Group Chief Executive of CIMB Group stated Our primary disappointment was our share price which significantly underperformed benchmarks. This situation will cause CIMB Group expose to the market risk. Public or investor might lose confidence toward CIMB Group. 9At 2nd February year 2011, one of the article stated that CIMB said industrial production in emerging markets is growing faster than these developed countries, and this will support liquidity flows into the emerging markets. Furthermore, on April year 2011, CIMB Group had involve in sukuk issue and in the same time CIMB Group deputy CEO and  treasurer, Datuk Lee K Kwan come out with a statement The current market environment remains very conducive for corporate issuers including banks to tap the fixed income markets. This kind of statements will tend to reduce the market risk that face by CIMB Group Reputation risk is about the negative publicity impact that might cause the customers of the firm not to use the services of the firm. For CIMB Group, in order to reduce this kind of risk, some of the activities were carry out in tend to maintain good relation with public. In year 2011, Breakthrough brought a van for benefit of 10 farming families in a remote village near Lundu in Sarawak by getting the fund that provide by CIMB Foundation. This activity had reduced the chance that CIMB Group expose in reputation risk. Operational risk is about the losses that cause by the failures happen in organisations internal activities. Basel II Pillar 3 disclosures for year 2011 stated that in July 2011,CIMB Group had strengthened their infrastructure and the operational risk management department had been created to taking care the measure of operational risk for CIMB Group. Therefore CIMB Group has greater chance to reduce the operational risk. 10 Recommendation for Maybank Market risk Market risk composes by 4 elements which are interest rate risk, foreign exchange rate risk, commodity price risk and equity price risk. In order to reduce the risk, Maybank need to determine whether Maybank has interest-sensitive assets or interest-sensitive liabilities in the period. Market rate of interest is determined by the market and bank only can become price taker and accept the interest rate given. If Maybank has interest-sensitive asset, Maybank will suffer losses if the interest rates decrease. While if Maybank has interest-sensitive liabilities, Maybank will suffer losses if the interest risk increase. From the annual report of Maybank, we can know that Maybank has a negative gap of cumulative interest rate. In order to reduce the risk, Maybank should try to increase interest-sensitive assets and reduce interest-sensitive liabilities. Besides that, Maybank can use various hedging tools to reduce the effect of the currency exposure in the appropriate circumstance. In addi tion, Maybank can reduce the exposure to market risk through swaps and features or offset it from the on and off balance sheet activities. Operating risk Fraud management is the main cause of increase operating risk. In year 2011, there are many cases about fraudulent telephone calls, SMS or emails requiring bank users personal financial information. Many people had been cheated and lost a huge amount of money. This cases increase the fear of public. To minimize the fraud, announcement made on the website of Maybank is insufficient. Maybank should undertake a series of initiatives to ensure that the risk arising from the fraud can be reduced as lower as possible. Maybank can implement Anti-Fraud Road show, Awareness Programme and Introduction of Fraud rules to reduce the fraud. It can increase the awareness from public about fraud and criminal activities. Besides that, it also can prevent Maybank employees cooperate with those criminal group by disclose Maybank users information. 11 Credit Risk Maybank need to have strong emphasis in creating and enhancing credit risk awareness to reduce the exposure of credit risk. Besides that, Maybank also need to maintain weighted capital ratio at 8%. In order to minimize the credit risk, Maybank should be more prudent on screening borrowers application, repayment ability of borrower, credit standing, valuable of collateral and guarantor of borrower. If the borrower unable to offset the loan, the collateral may reduce the credit risk as much as possible. Furthermore, Maybank can use debt restructuring to reduce non-performance loan. Banks balance sheet may be burden and facing credit risk due to increase bad loan. Those borrowers who are unable to repay the loan can negotiate with Maybank. Debt restructuring can reduce the bad loan and provide a win-win situation for Maybank and borrower who unable to offset the loan or mortgage. Liquidity Risk Basically liquidity risk can be defined as funding liquidity risk and market liquidity risk. If bank has a high level of liquidity risk, the bank will face short-of cash and bank run. According to annual report of Maybank 2011, exposure to liquidity risk can be reduced through contracting derivatives where the underlying items are widely traded. Maybank should not hold too much high risky assets because heavier use of purchased funds will cause a shortage of liquidity. Maybank also can diversify funding source to raise the fund. In the point of view, Maybank will have sufficient amount to meet those daily transaction. Furthermore, Maybank can implement a plan or strategy to handle different liquidity crisis scenarios especially during economic crisis. 12 In conclusion, those various risks that exposed in Maybank are influencing to each other. If the management is inefficiency, it will increase the management risk. The management risk will create market risk. Maybank unable to determine the market interest rate, Maybank will face significant losses and affect bank capital. Credit risk may increase and the liquidity conditions of Maybank reduce. Reduce in liquidity condition causes Maybank in ability to fully approve loan demand. Asset quality may decrease and affect the earning performance of Maybank. Recommendation for CIMB Group Credit Risk In order for CIMB Group get expose into the credit risk, CIMB Group can try to strengthen up the condition for their customer to get the loan. The detail of financial statement of customers should be checked clearly before lending out the loan. Training for the staff should carry out, so the staff can know the way how to keep follow up with the customer if the loan haven pays back on time. With this way the chance getting the charge-offs will be reduce and the losses of firm will tend to reduce too. Those analyses that done before should be carry on so that CIMB Group can easily figure out those problem customers and avoid getting into the risk. CIMB Group can even try to have the credit insurance so that they can claim from the insurance for to cover the losses. Liquidity Risk As we know, a firm with high liquidity risk will bring the firm get into bad situation. Therefore CIMB Group should try their best in managing their assets in tend to reduce the liquidity risk. By maintain or keep increasing the risk weighted capital ratio will be helpful to CIMB Group. High risk weighted capital ratio would means the firm will had large amount of cash to carry out the activities. CIMB Group can try to come out with a small group that only deal with liquidity of the firm. This might help CIMB Group to know more the liquidity status for their firm. Besides that, by not holding too much of the high risk assets can reduce the liquidity risk too. This is due to high risk assets will cause firm get losses and the fund will be stuck with those high risk assets. Maintain a good relationship with other competitors also a way to prevent increase the risk. For example, CIMB Group and May Bank maintain a good relationship. When something went wrong for CIMB Group, May Bank migh t willing to help CIMB Group in order to solve the problem. Market Risk 13Market risk had involved two types of risk which is price risk and interest rate risk. For price risk, market survey can be always carrying out for get to know the need of the market. Market survey might let CIMB Group get to know the trend of the market and the reason or fraud might affect the market price. So CIMB Group can react faster to capture the market before others. While for interest risk, CIMB Group has no choice but to be aware with the economic changes or the event that might affect the market. This can help CIMB Group to avoid suffer from the losses due to the changes of interest rate. Operational Risk For CIMB Group to avoid the operational risk, one of the solutions is training for the staff. After training, those staffs will be knows well for the whole operating system of CIMB Group. Therefore the human mistake can be lower down. For those data and networking system should be always been taking care by those qualify skilled worker. This will be lower down the system error that might occur. Even got error occur, those qualify skilled worker can try to fix it in time to prevent the huge amount of losses. For those ATM machine should always been taking care for time to time to prevent error occur and can repair in time if any problem with the machine. Reputation Risk CIMB Group should always be aware when dealing with public. This is because if misunderstanding or problem occur will tend bring negative impact to the image of CIMB Group. When this situation happen, the confident of customer towards CIMB Group will be pulling down and CIMB Group will expose in the reputation risk as well. Therefore those activities such as raising fund for people who needed be carry out in order to build up a good image for the public. As conclusion, to prevent CIMB Group get into different type of risks, the risk management department in CIMB Group had played the important role. Risk measurement should be done time by time so that when problem occur, the series of actions can be taken just in time. While for the insurance is to cover the losses when something unexpected occur so that the firm can be more focus on their main business. 14

The Evil King in Shakespeares Richard III Essay -- Richard II Richard

The Evil King in Shakespeare's Richard III Richard is an actor, a fully evil actor, who through his mastery of the stage has come to appreciate his skill. Richard Moulton, in his Shakespeare as a Dramatic Thinker, proclaims Richard's wonder at his own command of the stage: "Richard has become an artist in evil: the natural emotions attending crime-whether of passionate longing, or horror and remorse-have given place to artistic appreciation of masterpieces" (40). And Robert Weimann, comparing Richard Gloucester to a character in Shakespeare's King John states: "Both characters exemplify a strenuous need to perform, 'toiling desperately' to play a role, 'to find out,' and, for better or worse, to take up arms against a thorny world" (130). Richard Gloucester begins taking up arms against his world in the opening scene as he finds himself shunned in the manners of friendship and love, being "cheated of feature by dissembling nature" (1.1.19), and he decides to take on the role of scoundrel: "And therefore since I cannot prov e a lover / To entertain these fair well-spoken days, / I am determined to prove a villain / And hate the idle pleasures of these days" (1.1.28-31). The physical deformity that pushes Richard to his evil conniving may be nothing more than a creation by Shakespeare to further point out Richard's wickedness. Peter Kilby, author of "The Princes in the Tower," claims that in reality Richard had no deformity, and that Shakespeare created it because "physical deformities were considered to be outward signs of an evil nature" (11). Not so much, according to Zamir, who states: "Various sources tell us that he was short, that one of his arms was smaller than the other, that his legs, too, were of unequal si... ...66. Moulton, Richard G. Shakespeare as a Dramatic Thinker. New York: MacMillan, 1907. Oestreich-Hart, Donna J. "Therefore, Since I Cannot Prove a Lover." Studies in English Literature 40 (2000): 241-60. Righter, Anne. Shakespeare and the Idea of the Play. Westport, CT: Greenwood Press, 1962. Spotswood, Jerald W. "Maintaining Hierarchy in The Tragedie of King Lear." Studies in English Literature 38 (1998): 265-80. Squire, Sir John. Shakespeare as a Dramatist. London: Cassell and Company, 1935. Stevenson, William B. "A Muse of Fire of a Winter of Discontent?" Journal of Management Education 20 (1996): 39-48. Weimann, Robert. "Mingling Vice and 'Worthiness' in King John." Shakespeare Studies 27 (1999): 109-33. Zamir, Tzachi. "A Case of Unfair Proportions: Philosophy in Literature." New Literary History 29 (1998): 501-20.

Lion in Winter Play review :: essays research papers

â€Å"The Lion in Winter† was performed on Saturday November 22nd was not as good as I thought it was going to be. The set was a great design and looked as it should for the time period. However, I didn’t like how scenes were changed. The set should have been designed to encompass more aspects of the scene structure. There was a lot of unnecessary movement on stage when there shouldn’t have been. Stage hands should not be seen or heard. Maybe the curtains could have been drawn for some of their work. The audience shouldn’t be made to watch the stage hands reset the stage right after an intermission. I thought it was handled very unprofessionally.   Ã‚  Ã‚  Ã‚  Ã‚  Many times throughout the course of the play I heard pretty much all of the characters stumble over lines. This was not very professional either. All of the characters except for the queen were not into the play they were putting on. It showed thru really badly. Many times during dialogue there were pauses between sentences as if no one was aware of what the next line was going to be. Had this been a Broadway play it wouldn’t have made it to the second night of production. The only people that were actually prepared for production were the two characters that weren’t students. The cueing is what make or breaks a play and it broke this one all the pieces right in front of everyone’s eyes. The people who went to the show I was at were not laughing when they should be, weren’t moping with the characters like they should have been. I felt no life in this performance. It really was a sad dissertation of what I had been told and led to believ e was going to be great. Lion in Winter Play review :: essays research papers â€Å"The Lion in Winter† was performed on Saturday November 22nd was not as good as I thought it was going to be. The set was a great design and looked as it should for the time period. However, I didn’t like how scenes were changed. The set should have been designed to encompass more aspects of the scene structure. There was a lot of unnecessary movement on stage when there shouldn’t have been. Stage hands should not be seen or heard. Maybe the curtains could have been drawn for some of their work. The audience shouldn’t be made to watch the stage hands reset the stage right after an intermission. I thought it was handled very unprofessionally.   Ã‚  Ã‚  Ã‚  Ã‚  Many times throughout the course of the play I heard pretty much all of the characters stumble over lines. This was not very professional either. All of the characters except for the queen were not into the play they were putting on. It showed thru really badly. Many times during dialogue there were pauses between sentences as if no one was aware of what the next line was going to be. Had this been a Broadway play it wouldn’t have made it to the second night of production. The only people that were actually prepared for production were the two characters that weren’t students. The cueing is what make or breaks a play and it broke this one all the pieces right in front of everyone’s eyes. The people who went to the show I was at were not laughing when they should be, weren’t moping with the characters like they should have been. I felt no life in this performance. It really was a sad dissertation of what I had been told and led to believ e was going to be great.

End of Year Speech Essay

Good evening everyone. I hope everyone is having a good time, and has eaten their fill. Please eat all the food, we’ve spent a lot of money on that to be put to waste, and you’ll make the caterers job a lot easier (if the food is catered) Ladies please, help yourselves. Come on, it’s the end of the year, you’ll have a whole year ahead of you to start your diet†¦anyway Vegas buffet rules apply ladies and gentlemen, NO TAKEOUTS! So please keep your Ziplocs where they are. (of course parts like these are jokes and should be said well, as a joke). But seriously, good evening everyone and welcome to our year end dinner. It has been another successful year for us. Thanks mainly to the summer blockbuster heroes, in a sense, they did save our lives, well, at least made our company earn more money, thanks also to the mom and dads that keep bringing their kids in our store, may they be blessed with more kids, and of course, kudos to all of you for helping make another year a successful one. It has been another heroic year for us, both for the toys that we have sold and our efforts to make our company better. First we were introduced to a wealthy scientist turned super hero, who would have thought that the cousin of the tin-man would be a successful toy. Yes, Iron Man is one of our most successful toys this year, if not all of all time. The fact that Iron Man is a robot,( well, technically a bionic suit, but that’s how Iron Man is perceived) makes him subject for a lot of modifications, and thus a lot of action figure variants. Seven year old kids were just half of the market of Iron Man, toy collectors of all ages had a field day hoarding Iron Man toys from our store. Action figures sales have never been higher since the come back of comic book adaptations into the silver screen. Thank you Stan Lee! You made a lot of toy companies such ourselves very happy, we hope for more new movies and sequels to your comic books. I hope I can say the same to your reality show. Batman’s appeal has not dropped, Batman Toy’s have virtually not stopped production since the franchise came to being way back. I think only X-men and Spider Man toys have achieved a similar feat, which makes Batman the most successful comic book hero without having any super powers. Spider Man was bitten by a radio active bug, and the X-Men are mutants. Batman is just a plain dude with a fancy belt, well, a dude that can kick all our butts in one passing. If I was a kid, I would definitely be a good boy (at least for a while) to get the latest Batman action figure. I bet if we just sold action figures of Batman or an equally popular comic book superhero, we wouldn’t go out of business and still keep the store. That’s how big these toys have become, and how big they’ve been to our company’s progress. What would be a hero without an arch enemy? Not only do the heroes need a bad guy to beat up, toy companies also need villains as a source of income. Chances are, when kids buy their action figures, they want something to tests its weapons on something, might as well be the actual enemy of the hero. The Joker has been the most popular action hero as of late, thanks to the films success and all these talks about the death on Heath Ledger, the actor that played Joker in the Dark Knight. This toy has suddenly become a limited edition because it is one of the last characters the actor has played before he died, for some reason, I don’t think Mattel would buy the idea of making an action figure out of Brokeback Mountain, but that’s just me, I’ve seen stranger toys made it into production. Spider – Man toys have been around almost as long as Batman toys, especially after the new Spider Man films came out. They did not leave our shelves even if the franchise has been on a hiatus from the silver screen for a while. Actually there have not been a major Spider – Man film until the recent films and yet Spider Man toys are one of our popular toys of all time After I thank the toys, sorry guys, they do come first you know, these toys pay our bills. I would like to thank the staff of our company for doing a job well done throughout the year. Our company would be nothing if not for your efforts. Thank you for maintaining a harmonious working environment and for keeping our customers happy, your service is much appreciated. Thank you also for an outstanding team performance in all departments. It is always good for any company to work together as a team. More than working as a team, we’ve worked together, and treated each other as family. I’m not saying exactly who the mom and dads are, let’s just say we are all the children of the company okay? Special thanks to the marketing people for actively promoting our products to the buying public. They managed to sell our toys to kids who, for some reason did not go to the toy store with a particular toy in mind. Their persuasive skills have managed to squeeze some extra cash out of mommy and daddy to spend on their kids toys. Now, if they can only sell our (name unpopular toy) we would give them a big fat raise! On a serious note, thank you guys for a job well done and keep up the good work, we’ll talk about that raise deal later okay? (of course with still a sense of candidness) This party would not have been possible if had not worked hard last year. So if you guys still want the free food, we have to do just as well next year or even better. Either way, we would still have a party for sure, but our party would definitely much better if we raise our bar even just a little. So I encourage everyone to work just as hard or even harder this coming year and I promise you, our hard work would be rewarded if we have good sales next year. Incentives and other privileges would be available for us if we exceed what is expected of us, so let’s keep it up guys! The boss expects nothing less than what has already been established this year. I know we have done a good job this year but why aim for good when we can do better? The boss expects for exciting and new ideas from our staff, especially from the marketing department. Don’t be afraid to pitch in ideas even if you are not from the marketing department or if you think your ideas are too crazy. We all love new ideas. Again, thank you everyone for being part of this end of the year party and for a job well done this year. More fruitful years to come for our company! Cheers, and enjoy the rest of the evening. Let’s give a hand to ourselves! Thank you.