# THE IMPACT OF INTEREST RATE RISK ON THE PROFITABILITY OF ISLAMIC AND CONVENTIONAL BANKS IN UNITED KINGDOM

INTRODUCTION

The economic development of a country is inclined towards the stability of the finance that plays an important role. The financial intermediation model is based on the conventional banking whereby the banks generate profits from the deposit of the savers from their margin that they are depositing in the bank and the demand deposits, funds that are being lent to the individuals or enterprises. Some of the services that are being provided by the bank are risk management, foreign exchange, letters of credit, interest rates, commodities, trade guarantees, derivatives and custodial services are being provided to the depositors.

# The role of Commercial Banking in the Financial World

 [Type the company name] The role of Commercial Banking in the Financial World [Type the document subtitle] [Type the author name] [Pick the date]
 [Type the abstract of the document here. The abstract is typically a short summary of the contents of the document. Type the abstract of the document here. The abstract is typically a short summary of the contents of the document.]

Topic: 1

Introduction: 1

Background: 1

Aim of the Research: 1

Research Objectives: 2

Research Questions: 2

Research Hypotheses: 2

Literature review: 2

The role of commercial banks: 3

# National Grid Plc Evaluation

Yield Curve: A yield curve is a simple representation of the relationship between the interest rate that a bond pays and when that bond matures. This yield curve is used as a benchmark for other debt in the market, such as mortgage rates or bank lending rates. The curve is also used to predict changes in economic output and growth. Shape of the yield curve is closely watched as it is considered to be an indicator of future interest rate change and economic activity. There are three types of yield curves namely normal, inverted and flat.

# Statistics assignment solution -42025

Statistics assignment solution

Solution for question 1

i)                    Steps for the drawing the histogram is given as follows:

First we have to make 7 classes for producing this histogram. Therefore first we find the minimum and range for the given data for the year 2005. Then we divide the range by the number 7 and then we add this value in a minimum value. This is the first value for our bin range. Now for the next value do the same.

# 39998

Solution 1:

The Iterator types define for traversing the items in a sequence. Iterators have same advantages and power as the pointers. But same time, there are also risks and inconveniences. We can accidentally modify data that we are not supposed to. This can be done with the help of pointer. But we can partially solve that problem by using const modifier.

# TOPIC- ANNOTATED BIBLIOGRAPHY- 41542

TOPICANNOTATED BIBLIOGRAPHY

1. Adeosun, O. (2013). Effective Reward System and Workersâ€™ Productivity under Dynamic Socio-Cultural and Legal Environment in the Selected Nigerian Insurance Industry. ALLEVIATION, INCOME REDISTRIBUTION & RURAL DEVELOPMENT IN DEVELOPING COUNTRIES, 402.

This journal is a reflective study of management sciences and humanities. The journal (pg-402) summarizes the study of the effect of the reward system on the worker’s productivity in a selected range of insurance companies of Nigeria.  Altogether around 150 questionnaires were distributed for research, out of which only 105 were considered relevant for analysis. This was done by using SPSS system, version 19.0. The results indicated on the presence of a positive form of relationship that exists between an effective reward system and a worker’s productivity. However certain recommendations were to be made in terms of improving the existing form of reward system as it did not guarantee, the productivity in the long run. It was recommended by the research respondents, to the management, the stakeholders and the Government to improvise regulators in order to give proper reform suggestions to the entire system to improve the effectiveness, so that it meets the expectation, and aspirations of the workers, in this sector, to attain remarkable growth, in the economy of the country and the organization respectively.

# 39730

-10x1  + 10x3 + 2x4 – 9x5                     = 79.79

-4x1 + 8x2 + 3x3 – 5x4 + 3x5                 = 117.87

10x1 – 9x2 + 4x3 + 9x4 – x5                   = -76.99

# European Economies Sustainable GDP Growth Compromises Quality Of Life

Student Name

Course Name

University Name

01-August-14

European economies are going through a deep recession period as growth as died down and coupled with this inflation is not picking up. There is an urgent need to revive the growth in this developed economies otherwise the whole world which is coupled with this economies will be hurt. The objective for any economy should be to have sustainable GDP growth with low inflation which is not the case with European region. Countries like Spain and Greece are already facing trouble related their high level of debt and decline in growth.

# Financial Reporting and Analysis – 39105

Financial Reporting and Analysis

Introduction

Financial reporting is essential to be carried out by businesses with respect to their performances throughout the year. It is essential for an organization that it should perform the reporting of its financial performance in its financial statements. However, it is not sufficient to only consider for presenting the financial performance of the company, rather it is also highly important that the material facts and findings as indicated should represent the true and fair view of the financial performance of the company. There should not be any biasness that should be involved in performing the reporting of financial performance of a company, and this is mainly because there are various important stakeholders of the organization that are directly associated with the performance level of the company and they uses such financial statements in making important decisions based on company’s performance level. But the analysis of the historical performance with respect to corporate reporting indicates that there are various such cases whereby the management involved in fraudulent practices which affected the overall performance level of all the stakeholders of the organization. One such example of fraudulent practices being carried out is in respect to American International Group.

# CAPITAL BUDGETING DECISION MAKING

CAPITAL BUDGETING DECISION MAKING

2.     Introduction: 3

3.    Capital budgeting technique: 4

4.    Analysis: 5

5.     Assumptions: 8

6.    Conclusion: 9

=&3=&=&4=&=&2=&

Change is something that is required in each and everything that exists today. If the business does not change with the changing demands of the customer, then it will decay and terminate.

# Diabetics Genetics

Abstract: Diabetes is a metabolic disorder which is manifested when insulin secretion by pancreas is not sufficient or when the peripheral tissues show resistance towards secreted insulin. The onset of diabetes is usually in childhood in type 1 diabetes whereas onset of diabetes is seen in elderly age in type 2 diabetes. In diabetes mellitus elevated blood glucose levels are seen which needs to be kept in control. In longer run hyperglycemia leads to many serious multiple organ damage such as damage to kidneys (diabetic nephropathy), eyes (diabetic retinopathy), nerves, arteries and heart. The common symptoms of diabetes mellitus include poly urea (frequent urination), frequent thirst (poly dipsia), skin infections, weight loss etc. There are other types of diabetes such as gestational diabetes (onset is seen in early pregnancy stages), neonatal diabetes and maturity onset of the diabetes (MODY). Neonatal and MODY are due to mutations in one gene which are classified under mongenic type of diabetes. The underlying reasons for type 1 and type 2 diabetes are our genes. Type 1 diabetes is a autoimmune disease and genes responsible are HLA genes, IDDM2 and CTLA4. Whereas ABCC8, KCNJ11 genes are involved in susceptibility of type 2 diabetes. Diagnosis includes fasting blood glucose test, random blood glucose test, oral glucose tolerance test and A1C test. Regular therapy includes use of insulin injections in type 1 diabetes and use of oral hypoglycemic agents or insulin injections in type 2 diabetes. Recent therapy includes gene therapy such as improving differentiation and regeneration of beta cells in type 2 diabetes whereas preventing autoimmunity of beta cells is specific in treatment of type 1 diabetes.

# Corporate finance

 Answer to question no 2 (b) (ii) IRR YEAR \$ MILLION 0 -700 (INVENTORY+MACHINERY) 1 230 2 300 3 300 4 300 5 400 IRR 30% Answer to question no 2 (b) (iii) Payback Year Beginning Balance Net Cash Flows Ending Balance Immediate cost of investment 0 -700 -700 1 -700 -370 -1070 2 -1070 300 -770 3 -770 300 -470 4 -470 300 -170 5 -170 400 230 payback Period 4.425 years

WA.1.

(a)                          Time period given               = 15 years.

Rate of interest compounded annually = 6%.

Amount Required       = 5,000,000 \$.

# Logic Simulator

 Logic Simulator

Contents

PART 1. 3

References. 9

# PART 1

Rock Paper Scissors is an indoor game or a sweet hand game, which is played by the help of the two different people or different players. Rock Paper Scissors all players are played by the help of making or throw while structure one of three shapes with an outstretched hand. The “rock” beats scissors, the “scissors” beat paper and the “paper” beats rock; if both players make or throw the same shape, the game is tied. Different names for the amusement in the English-talking world incorporate Roshambo, Paper Scissors Stone, Paper Scissor Rock, Scissors Paper Rock, Yuck Ack Ock and different orderings of the three things or items. Rock Paper Scissors rules are shown in below by the help of diagram.

# Individual Research Assignment Report

 Individual Research Assignment Report

Contents

Introduction. 3

Analysis. 4

Discussion. 8

Advantages of DHL Warehouse Management System (WMS): 8

Importance of MIS. 10

Conclusion. 10

References. 12

# Introduction

Over a phase of instance encompassing is numerous dissimilar aspects of the managerial tasks developed by the conception of Management Information System. Processing data from the organization as well as put it for the information at standard intermission is the preliminary idea of this system as well as the DHL Warehouse Management System (WMS) is one of the useful technologies in this field. The Managing information or the DHL Warehouse Management System (WMS) from assortment to doling out is widely depending upon this system. This system is further uncongenial, obliges each entity to choose as well as chose the coursed information along with utilize it for his necessities. Information Management system or Warehouse Management System (WMS) is largely indicates to a computer-related system that offered executives through the apparatus to systematize estimate as well as capably administrate divisions inside an organization like DHL. DHL (Dalsey Hillblom Lynn) is the most famous logistic warehouse and also distribution company or business model, which is based onfonded at 1969 in Bonn, Germany. So as to offer earlier period, today’s history along with prophecy data, this system can comprise software, which assists in assembling of assessments, data possessions such as databases, the hardware possessions of a system, decision supporting system, populace organization as well as development administration applications, along with several mechanized procedures which is allowing the division to sprint proficiently. DHL Warehouse Management System (WMS) offers data which organization needs to manage them properly as well as proficiently. This system is separate commencing additional data systems in that these are applied to examine as well as make possible planned along with prepared behaviors. Rationally, this idiom is usually worned to submit the lessons of how folks, clusters, along with appraise of association, plan, execute, maintain, as well as exploit systems to produce data for the reason of  progress competence along with usefulness of decision making, counting systems period decision supporting system, expert systems, as well as executive information systems (Montano, 2004). The notions of DHL Warehouse Management System (WMS) provide elevated stare to the entity as well as his skill to utilize information. The Warehouse Management System (WMS) offer information’s for the period of the process of data scrutiny. Although examining the information, it relies on various educational regulations. These comprise the hypothesis, moralities as well as ideas from the Management Science, Psychology as well as Human Behavior more successful along with helpful. These educational regulations are worned in scheming Warehouse Management System (WMS), developing the supporting decision apparatus in favor of mocking-up along with decision – making. The DHL Warehouse Management System (WMS) is an artifact of a multi-penalizing move toward to the business execution. It is an artifact that requires to be reserved beneath a steady evaluation as well as alteration to rally the commercial desires of the data. It is approved artifact devise intended for the organization. The Warehouse Management System (WMS) varies while the public in two organizations involved in the DHL logistic business model. The DHL Warehouse Management System (WMS) is intended for the people in the organization. The Warehouse Management System (WMS) replica may be the similar except it very deeply in the stuffing.

# Management Foundation

Executive Summary. 3

Assessment 3

Question A.. 3

Question B.. 3

Question C.. 4

Question D.. 4

Question E.. 5

Discussion and analysis. 6

Recommendation. 7

References. 8

# Executive Summary

This particular project generally focuses on the main and the major processes of the Boral BLD which generally produces their own products and supplies it as well. The Building Products portion is occupied with Australian blocks, top tiles, stone work, timber items and windows. The Boral USA is occupied with Bricks, refined stone, top tiles, fly powder, solid and quarries. This particular generally highlights the main causes and the consequences of the improvement of the Boral BLD. Further in the research you will be able to recognize that how the CEO of the company helps the Boral BLD by making the annual report of the company.

# XML File and XSD of the file Solution – 39298

XML File and XSD of the file

 BookingRef CustomerName FlightID DepartureDate SeatBooked Fare BM308Z John Citizen QF237 231014 24D \$127.95 DM709A Lucy QD334 240914 22A \$111.85 FR432B Andy Bar ER432 241014 21E \$231.88 TR443E Ashton VC332 251014 22R \$111.95 QW221R Mike RF554Q 231014 13D \$123.33 BG213E Nancy TG522J 291014 12J \$156.88

# XSD of the file

<xs:schema attributeFormDefault=”unqualified” elementFormDefault=”qualified” xmlns:xs=”http://www.w3.org/2001/XMLSchema”>

<xs:element name=”Booked”>

# MANAGEMENT RESEARCH PROJECT ON WATPAC – 39657

Watpac limited is engaged in the construction industry and in the work of property development in the country of Australia. Its processes of construction includes building, project management, and construction project management. The company is further engaged in the construction of roads, bridges, dams, airfields, railway works, heavy duty pavements, major earthworks, marine works, and concrete foundation works, as well as undertakes hard landscape works, including retaining walls and architectural pavements.

# Calculating of Non-controlling Interest in Tower LTD- MAH011014_19674_39488

 Sydney LTD and Its controlled entity consolidation worksheet for the year ending30 June 2014 Sydney Ltd Tower Ltd Elimination & adjustments Consolidated Statement DR CR Detailed Reconciliation of opening and closing retained earnings Sales Revenue 1365300 992200 LESS: COGS 692000 618500 Gross Profit 673300 373700 Other Revenue Management fee revenue 12900 Dividend Reveneu 87960 Expenses Depreciation 133300 59000 Mangement fee expense 0 12900 Loss on Sale of Assets 70000 Other expense 426200 163400 Profit before tax 144660 138400 Tax expense 17010 41520 Profit for the year 127650 96880 Non-controlling interest in profit after tax Sydney’s interest in profits after tax Retained earning at the beginning year 159220 134320 Dividends paid or declared 75000 96400 Retained earnings  at the end of the year 211870 134800 Statement of financial position Shareholder’s equity Revaluation Surplus Retained earnings 211870 134800 Share capital 450000 200000 Non-controlling Interest Current liabilities Accounts payable 210280 148180 Income Tax payables 10910 42420 Dividend payable 37500 48200 Non-current liabilities Bank Loans 710000 650000 Provision for employee benefits 29100 14300 Deferred Tax Liability 6100 1665760 1237900 Current assets Accounts receivable 176800 98700 Inventory 98300 121200 Allowance for doubtful debt -22100 -9500 Dividend receivable 43980 Non-current Assets Deferred Tax asset 900 Goodwill Land and building 790000 910800 Plant at cost 449700 301200 Accumulated depreciation -169400 -185400 Shares in The Rocks Pty Ltd 8500 Investment in Tower Ltd 289980 Total 1665760 1237900 0 0 0

# Prioritisation of Complex health issues

Prioritisation of Complex health issues

Medicinal experts however have a tendency to centre all the more barely on a restorative model of health awareness -a history and examination- took after by examination and treatment, lastly clinical measures of effective result. This methodology has been reprimanded for delivering a paternalistic specialist quiet relationship. The relative achievement of a given health awareness mediation may vary essentially from a patient viewpoint versus the medicinal services supplier’s point of view. At the point when this happens we may ask ourselves; Has a wellbeing need been met? Was the forethought process palatable? Has the load of sickness on the understanding’s personal satisfaction been minimized? In the provided case study of Jim cooper who is 68 years old.He possess a week history of extreme cough and SOB.He is been sitting on chair all night and need care.He is living alone from last 18 months as he is widower.His general observations found that he is dyspnoeic and have difficulty in respiration.

# THE FAULT IN OUR STARS MAH300914_19291_39103

THE FAULT IN OUR STARS

SUMMARY ON A 10 MINUTE CLIP SCENE

Since a grownup acquainted with Hazel’s disease wants to go with her & Augustus to Amsterdam, it’s obvious that Hazel’s mother will go. As Hazel considers of the trip, she queries why she tensed up when Augustus touched her cheek at the sculpture park. She underst&s that, though she discovers Augustus good-looking, she has not ever earlier well thought-out of kissing him. Subsequent additional partial talk with Kaitlyn, mainly about Augustus, Hazel resolves to look up Augustus’s last girlfriend Caroline Mather’s profile on the net. She considers she & the fit & well Caroline viewed nothing alike, but cancer made them very alike.