Financial Analysis Essays (Examples)
Study Document
Banking Industry Crimes
financial Crimes, Fraud, and Investigation
The banking sector is a critical part of a country’s economy. This is more so the case given that … country’s economy. This is more so the case given that it is actively involved in the holding as well as management of diverse financial assets and the coordination of financial activities for the various other economic sectors. Although at the core of banking is holding of financial assets, other key activities include, but they are not limited to, commercial and personal banking services, insurance, etc. In that regard, therefore, banks … the perspective of a bank institution are inclusive of the government and the various regulatory agencies, customers, investors, employees, other institutions in the financial services sector, etc. In seeking to promote transparency – both within and without – the institutional boundaries, banks must adhere to various strict … crime. This text concerns itself with……
References
References
Albrecht, W.S., Albrecht, C.C., Albrecht, C.O. & Zimbelman, M.F. (2008). Fraud Examination (3rd ed.). Mason, OH: Cengage Learning.
Dionne, B. (2020). Regions Bank Teller Accused of Stealing Customer Identities Faces Felony Charges. Retrieved https://www.wbrc.com/2020/01/30/regions-bank-teller-accused-stealing-customer-identities-facing-felony-charges/
Golden, T.W., Skalak, S.L. & Clayton, M.M. (2006). A Guide to Forensic Accounting Investigation. Hoboken, NJ: John Wiley & Sons.
Krancher, M., Riley, R. & Wells, T.J. (2010). Forensic Accounting and Fraud Examination. Hoboken, NJ: John Wiley & Sons.
Singleton, T.W., Singleton, A.J. & Bologna, R.J. (2006). Fraud Auditing and Forensic Accounting (3rd ed.). Hoboken, NJ: John Wiley & Sons.
Zagaris, B. (2010). International White Collar Crime: Cases and Materials. New York, NY: Cambridge University Press.
Study Document
McCain Foods Strategies
… competencies which differentiates the company from the competitors. The target audience is kept in mind to understand and direct the strategies towards them.
analysis of External Environment
Social, Legal, Economic, Political and Technological analysis of the company’s external environment shows that the environment is fast changing and with these strong external forces. Firstly, social forces are the … trends. There has been recent trends in consumer’s changing eating habits as the rise of junk food consumption and obesity is increasing (SLEPT analysis of McCain Foods, 2015). People are moving towards healthy eating and prefer healthy food for their loved ones.
Another factor that affects the … close check of, like Food Safety Law, Trade Descriptions Act etc. to ensure that the business can successfully operate in the country (SLEPT analysis of McCain Foods, 2015).
To respond to the economic factors, McCain has kept consumer profiles to understand their income……
References
References
(2019, September 17). Business Case Studies. Retrieved from https://businesscasestudies.co.uk/how-mccain-responds-to-changes-in-the-external-environment/#axzz2m8hClVBn
SLEPT Analysis of McCain Foods. (2015, April 03). PDF Slide. Retrieved from https://pdfslide.net/documents/slept-analysis-of-mccain-foods.html
Williamson, D. (2018, December 05). McCain Foods SWOT Analysis. Eassy 48. Retrieved from https://www.essay48.com/term-paper/13961-McCain-Foods-Swot-Analysis
Study Document
Public Health Inconvenient Truth
… businesses are considered as profit-oriented. This presents a ground for skepticism on the part of the public health sector, especially to protect the financial interest of its clients/beneficiaries. However, considering the current hike in the cost of care and health research, the public health sector may no … cost of care and health research, the public health sector may no longer resist such a partnership due to the observed need for financial support available through businesses (Majestic, 2009). This expected partnership between the two bodies is also seen as slightly mutually beneficial. The public health ……
References
References
Johnson, T. D. (2009). Public health benefiting from private-sector partnerships: Health departments reaping results. The Nation\\\\\\\\\\\\'s Health.
Majestic, E. (2009). Public health\\\\\\\\\\\\'s inconvenient truth: the need to create partnerships with the business sector. Preventing chronic disease, 6(2), A39.
Study Document
Boys Dont Cry 1999 Transgenderism
...Financial analysis Q1. Explain the impact of the social and cultural influences on sexual attitudes and behaviors as it relate to Brandon.
Boys Don’t Cry depicts the challenges faced by a young man in the 1990s attempting to transition from female to male. Transgenderism is the technical term used to describe someone who was born a particular anatomical sex, but identifies as the opposite gender. The film shows the difficulty of transitioning when the concept of gender is tied to anatomical sex. Even today, in more liberal cultural contexts and environments, there is often a great deal of tension when someone comes out as transgender. This tension is exacerbated in an area of the country where hyper-masculinity is embraced and the division of roles between the two genders are heavily policed.
Ironically, one of the reasons that Brandon Teena is so attractive to his love interest in the film, a woman named……
Study Document
Panera Bread
… or fast casual businesses, it does offer a relatively unique value proposition in terms of the food and the in-store experience.
A SWOT analysis reveals that Panera does a lot of things well, and these competencies have allowed them to grow to be a very large player ……
References
References
MindTools (2019) Porter’s generic strategies. MindTools. Retrieved March 26, 2019 from https://www.mindtools.com/pages/article/newSTR_82.htm
Panera Bread 2015 Form 10K. Retrieved March 26, 2019 from https://www.sec.gov/Archives/edgar/data/724606/000072460616000042/a2015122910k.htm
Study Document
Female Hip Hop Artists Impact
...Financial analysis Women have always been part of hip hop, even though their accomplishments and impact have been understated and unsung. Yet any cursory examination of the history of hip hop reveals countless female musicians and performers. Some, like Queen Latifah, Missy Elliot, Salt-N-Pepa, Lauryn Hill, and Nicki Minaj, become household words. Hundreds of others remain behind the scenes, known mainly to audiophiles or serious music historians. Tracing hip hop back to its roots shows how the musical genre and its ethos evolved as the counterpart to a broader movement for social and political change. Women have remained at the forefront of the cultural revolution that is hip hop, ensuring that feminist values and ideals become mainstream while also making sure that feminism does not become whitewashed. Patriarchal social norms have prevented the women of hip hop from receiving the accolades they deserve, but the artists who have made it their business……
References
Works Cited
Bruce, La Mar Jurelle. “’The People Inside My Head, Too’: Madness, Black Womanhood, and the Radical Performance of Lauryn Hill.” African American Review, Vol. 45, No. 3 (2012): 371-389.
Jamerson, J’na. ““Best-of” lists and conversations often exclude women. Why?” BBC. 8 Oct, 2019. Retrieved from http://www.bbc.com/culture/story/20191007-why-are-there-so-few-women-in-best-of-hip-hop-polls
Morris, Tyana. “The Evolution of Women in Hip Hop.” The Pine Needle. 31 Jan, 2018. Retreived from https://www.pineneedlenews.com/single-post/2018/01/31/The-Evolution-of-Women-in-Hip-Hop
Orcutt, KC. “Each One, Teach One | What generations of women in hip hop teach us about perseverance.” Revolt. Oct 16, 2019. Retrieved from https://www.revolt.tv/2019/10/16/20917629/women-in-hip-hop-lessons
Oware, Matthew. “A ‘Man’s Woman’?” Journal of Black Studies, Vol. 39, No. 5 (2007): 786-802.
Tillet, S. (2014). Strange Sampling: Nina Simone and Her Hip-Hop Children. American Quarterly, 66(1), 119–137. doi:10.1353/aq.2014.0006
UDiscover (2019). Let’s talk about the female MCs who shaped hip-hop. Dec 9, 2019. Retrieved from https://www.udiscovermusic.com/stories/the-female-rappers-who-shaped-hip-hop/
White, Theresa R. “Missy “Misdemeanor” Elliott and Nicki Minaj.” Journal of Black Studies, Vol. 44, No. 6, (2013): 607–626. doi:10.1177/0021934713497365
Study Document
CFOs Big Data Opportunities In Firms
… processes. The growth of Big Data has necessitated the development of computer algorithms and tools that can analyze the data at scale. Good analysis and interpretation of the data allow organizations to ‘co-create’ solutions alongside their target users and create new value that is highly tailored to … their target users and create new value that is highly tailored to the needs of the market (Turner, Schroeck & Shockley, 2013).
The financial services sector is one of the industries that have adopted Big Data at scale to inform decision making. In stock trading, algorithmic trading … and big data help investors utilize historical data to maximize the returns on their portfolios. As the adoption of Big Data in the financial services sector continues, the landscape of the industry is likely to see significant changes in the coming years. Nonetheless, it is notable that … likely to see significant changes……
References
References
Chen, H., Chiang, R. H., & Storey, V. C. (2012). Business intelligence and analytics: From big data to big impact. MIS quarterly, 36(4).
Jin, X., Wah, B. W., Cheng, X., & Wang, Y. (2015). Significance and challenges of big data research. Big Data Research, 2(2), 59-64.
Joshi, N. (2018). How Big Data Can Transform the Finance Industry. Retrieved October 7, 2019, from https://www.bbntimes.com/en/technology/big-data-is-transforming-the-finance-industry .
Nath, T. I. (2019). How Big Data Has Changed Finance. Retrieved October 7, 2019, from https://www.investopedia.com/articles/active-trading/040915/how-big-data-has-changed-finance.asp .
Turner, D., Schroeck, M., & Shockley, R. (2013). Analytics: The real-world use of big data in financial services. IBM Global Business Services, 27.
Yin, S., & Kaynak, O. (2015). Big data for modern industry: challenges and trends [point of view]. Proceedings of the IEEE, 103(2), 143-146.
Zhou, K., Fu, C., & Yang, S. (2016). Big data driven smart energy management: From big data to big insights. Renewable and Sustainable Energy Reviews, 56, 215-225.
Study Document
Understanding The Factors Affecting The Success Of Credit Risk In
… companies and entrepreneurs. In the past decade, there have been dramatic changes concerning the management of risk in the banking industry. Progressively more financial institutions and managers have augmented the focus on the significance of risk management. In delineation, risk management encompasses the practice of identifying, assessing … and influence of disastrous events or to capitalize in the realization of prospects (Gizaw, Kebede, and Selvaraj, 2015).
The power and supremacy of financial establishments, particularly commercial banks, to generate money is of great significance in business operations. These banks operate as financial intermediaries within any economic setting and they are key providers of financial credit to both the corporate and household sectors. Credit risk is basically the likelihood that a borrower in a financial institution or a counterparty will end up failing to meet its obligations in line with the consented terms and conditions. In general, credit … it basically……
References
References
Bhattarai, Y. R. (2016). Effect of credit risk on the performance of Nepalese commercial banks. NRB Economic Review, 28(1), 41-64.
Das, A. and Ghosh, S. (2007). Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation. Economic Issues, 12(2): 48-66.
Derelio?lu, G., & Gürgen, F. (2011). Knowledge discovery using neural approach for SME’s credit risk analysis problem in Turkey. Expert Systems with Applications, 38(8), 9313-9318
Garr, D. K. (2013). Determinants of credit risk in the banking industry of Ghana. Developing Country Studies, 3(11), 64-77.
Gizaw, M., Kebede, M., & Selvaraj, S. (2015). The impact of credit risk on profitability performance of commercial banks in Ethiopia. African Journal of Business Management, 9(2), 59-66.
Johnson, B., & Christensen, L. (2008). Educational research: Quantitative, qualitative, and mixed approaches. New York: Sage.
Kithinji, A. M. (2010). Credit risk management and profitability of commercial banks in Kenya. (Doctoral dissertation, University of Nairobi).
Limam, I. (2001). Measuring technical efficiency of Kuwaiti banks. Kuwait: Arab Planning Institute.
Study Document
Enterprise Risk Management In Wells Fargo During The Pandemic
… ERM perspective the problem has to be approached comprehensively with risk understood at the macro level. This paper will provide 1) a critical analysis, including a comparison and contrast of Enterprise Risk Management (ERM) vs. traditional risk management; 2) a discussion of hazard, financial, operational and strategic risks; 3) a SWOT analysis of Wells Fargo; 4) an examination of the relationship between organizational culture and ERM; 5) a discussion of risk in terms of current … profit opportunities; 6) two specific ways in which auditors can incorporate ERM into the company’s audits; 7) a discussion of the role of financial derivatives as both risk management and a speculative tool; and 8) a discussion of the ways three leading companies (one domestic and two … a speculative tool; and 8) a discussion of the ways three leading companies (one domestic and two international) implement Enterprise Risk Management.
Critical analysis and……
References
References
Beasley, M. (2020). How to Leverage ERM Principles to Better Respond to COVID-19-Related Risks. ERM Professional Insights.
Derysh, I. (2020). Watchdog questions why Wells Fargo reported giving only one large PPP loan to a Black-owned business. Retrieved from https://www.salon.com/2020/07/22/watchdog-questions-why-wells-fargo-reported-giving-only-one-large-ppp-loan-to-a-black-owned-business/
English, C. (2020). Wells Fargo Forced to Cut Its Dividend After Fed Stress Test. Here’s What Other Banks Did. Retrieved from https://www.barrons.com/articles/wells-fargo-forced-to-cut-its-dividend-after-fed-stress-test-51593467664
Hall, J. (2007). Internal Auditing and ERM: Fitting in and Adding Value. Retrieved from https://global.theiia.org/about/about-the-iia/Public Documents/Sawyer_Award_2007.pdf
Kaplan, R. & Mikes, A. (2012). Managing risks: A new framework. Harvard Business Review, 3.
Lewis, M. (2010). The Big Short. NY: W. W. Norton.
Lundqvist, S. (2014). Abandoning Silos for Integration: Implementing Enterprise Risk Management and Risk Governance. Lund University.
Morgenson, G. (2020). More Wells Fargo customers say the bank decided to pause their mortgage payments without asking. Retrieved from https://www.nbcnews.com/business/personal-finance/more-wells-fargo-customers-say-bank-decided-pause-their-mortgage-n1234610
Study Document
The Rising Cost Of Public Education In United States
… costs (Hess “The Cost of College Increased”).
The three causes for the rise in the cost of public education in the US are financial aids from the government and educational institutes, sticker price and price discrimination, and cost increment due to management issues. The consequences of this … institutions and the students for better educational provisions. For that, funding increased more than 60 percent, especially in the past decade.
Source: CBPP analysis using College Board Trends pricing report (https://www.cnbc.com/2019/12/13/cost-of-college-increased-by-more-than-25percent-in-the-last-10-years.html)
The tuition costs make up half of the revenues of the public institution of education, and … from the institutions.
Opposing Viewpoints
Despite an increase in costs of public educational institutions in the US for which the reasons mainly entail financial aids from the government and educational institutes, price discrimination, and cost increment due to management issues, there are numerous benefits for obtaining high … for applying for loans for……
References
Works Cited
Amour, Madeline. “Report: living expenses, not tuition, are the problem.” Inside Higher Ed, 13 May 2020, https://www.insidehighered.com/news/2020/05/13/living-expenses-are-larger- barrier-students-tuition-report-finds. Accessed 30 Jul. 2020.
Cude, Katherine. The Rising Cost Of Tuition At Four Year Public Universities: A Comparison Of The Explanations Offered By The Academic Literature And University Decision Makers. 2016. University of Vermont, Undergraduate theses. Scholar Works, https://scholarworks.uvm.edu/cgi/viewcontent.cgi?article=1027&context=castheses
Davidson, Adam. “Is College Tuition Really Too High?” The New York Times Magazine, 8 Sep. 2015, https://www.nytimes.com/2015/09/13/magazine/is-college-tuition-too-high.html . Accessed 30 Jul. 2020.
Desrochers, Donna, and Kirshstein, Rita. Labor Intensive or Labor Expensive? 2014. American Institutes for Research, Delta Cost Project. Lumina Foundation, https://www.luminafoundation.org/files/resources/deltacostair-labor-expensive-higher- education-staffing-brief-feb2014.pdf
Dickler, Jessica. “Why College Tuition Keeps Rising.” CNBC, 24 Oct. 2019, https://www.cnbc.com/2019/10/24/why-college-tuition-keeps-rising.html, Accessed 30 Jul. 2020.
Hemelt, Steven, and Marcotte, Dave. Rising Tuition And Enrollment In Public Higher Education. 2008. IZA, Discussion Paper. IZA, http://ftp.iza.org/dp3827.pdf
Hemelt, Steven, and Marcotte, Dave. “The Impact of Tuition Increases on Enrollment at Public Colleges and Universities.” Educational Evaluation and Policy Analysis, vol. 33, no. 4, Dec. 2011, pp. 435-457.
Hess, Abigail. “The Cost of College Increased by More Than 25% In the Last 10 Years- Here’s Why.” CNBC, 13 Dec. 2019, https://www.cnbc.com/2019/12/13/cost-of-college- increased-by-more-than-25percent-in-the-last-10-years.html. Accessed 30 Jul. 2020.
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